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Thursday, August 6, 2015

Know more about- college scholarships, grants, fellowships, loans and financial


Different financial aids for college education

This is my new article on scholarships. In the last article we saw how to get Free College Scholarship? The potential of winning a free college scholarship should be attainable for anyone who has the motivation to attend college, but needs financial aid.

Read this blog to know more about different money getting stream for college education.

What is a scholarship?

Scholarships are funds used to pay for higher education that do not have to be repaid to the provider. Scholarships may be awarded based on any number of criteria including academics, achievements, hobbies, and talents, affiliations with various groups or career aspirations. They are available from federal and state governments, large corporations, local businesses, professional organizations, universities and individuals and each has its own requirements applicants must adhere to to be eligible for the award. Our scholarship search can match you with the scholarships for which you best qualify and have the best chance of winning.

How is a scholarship different from a grant?

Though the terms "scholarship" and "grant" are often used interchangeably, there are a few difference between them. They are both free money in that you never have to repay but in the majority of cases, scholarships are awarded to students who are planning to attend or are already enrolled in some form of postsecondary education. Awardees are often required to maintain specific grade point averages, participate in certain activities or take a certain amount of credits per semester to remain eligible for the scholarships they earned initially; failure to adhere to these guidelines could result in suspension or cancellation of the funding. Grant recipients, however, do not necessarily have to be attending or planning on attending college: They often need the funds to finance research projects (recipients are expected to create proposals and update the donors regularly to maintain funding) or, if they are entrepreneurs or victims of natural disasters, require capital to help start or rebuild their lives.

How is a scholarship different from a fellowship?

Like scholarships, fellowships are considered gift aid and do not have to be repaid but they are typically only available for graduate students to help support their educations. Some fellowships include tuition waivers or payments to universities in lieu of tuition but most include a stipend to cover reasonable living expenses.

How do scholarships differ from loans?

The main difference between scholarships and loans is that while scholarships do not require repayment, loans do...with interest. Loans are awarded federally (Stafford, Perkins and PLUS) as well as privately (through banks and other lenders like Sallie Mae) and can be either subsidized (no payments must be made while in school) or unsubsidized (payments must be made while in school).

Will winning a scholarship impact my financial aid package?

It may. The government takes student awards into consideration when offering aid. However, students should not be deterred by this. The effects are not likely to be great. Many schools use student money to offset loan eligibility, not grant awards. Students who receive little aid can benefit greatly from scholarships. Contrary to beliefs of certain celebrities, more money equals fewer problems.

If I’m not eligible for financial aid, can I still receive a scholarship?

Yes, there are plenty of scholarships that aren’t based on financial need. Play to your strengths: If you have a high GPA, apply for academic scholarships, if you’re a great writer, apply for essay and poetry scholarships, if you’re creative, apply for art and design scholarships...the list goes on and on. You could have your entire tuition covered by scholarships if you do your due diligence, which means you’ll graduate with zero student loan debt.


Why should I apply for scholarships?

The real question here is why shouldn’t you apply for scholarships? A scholarship is free money for college, money you don’t have to worry about paying back so you can spend more time on your classes. You’re being awarded money for college for something you’re already good at – whether it’s your grades, athleticism, creative ability or tech savvy – so why not take advantage of it? So many students don’t want to apply for scholarships because they don’t think they stand a chance of winning but in reality, applying for scholarships that match your specific criteria (like the ones our scholarship search will match you with) increases the odds of receiving a scholarship award exponentially. Scholarships can paired with all kinds of financial aid to cover the cost of books, supplies, room and board, even entire tuitions but you will never know if that’s possible unless you apply.

College Scholarships, Tracy, CA

What are the odds of winning a scholarship?

It depends on the scholarship you’re applying for. National scholarships will obviously have larger applicant pools than state- or major-specific scholarships but they are all judged on specific sets of requirements. If you follow the criteria, you will have a better chance of winning than someone who doesn’t; the same goes for students who observe deadlines versus students who submit their applications late. You won’t win a scholarship because of who you know; you’ll earn it based on how well you follow directions and the caliber of your responses.

Can I win multiple scholarships?

Yes, but typically not from the same scholarship provider during the same award year. If you’re applying to more than one scholarship, though, be sure to keep your applications and their unique requirements organized: Sending the wrong materials to the wrong scholarship committee can guarantee you won’t be receiving those funds for college.

Am I still eligible for scholarships if I am not a full-time student?

This varies from scholarship to scholarship. Some awards require students to be in school full-time, others are valid for students attending part-time and others are offered specifically to individuals who aren’t currently enrolled but plan to return to school in some capacity during the next semester.


Can I win scholarships if I attend an online school?

This depends on the school and scholarship provider. A great place to start your search is, where our scholarship search presents awards meeting your exact criteria, or contact your school directly and inquire about scholarship opportunities available only to students (this smaller applicant pool will increase your odds of receiving the award).


Where can I find scholarships?

You’ve already found your way to, where you can fill out a profile and have access to the 2.7 million scholarship awards in our database, so that’s a great start! For additional awards, speak to your guidance counselor, financial aid officer, volunteer coordinator, coach, employer or parents’ employers. Scholarships are distributed by large corporations like Google and local businesses alike – the latter of which you may have a better chance of winning since the recipient will be drawn from a smaller applicant pool.

I’m not a strong writer. Will I have to write an essay for every scholarship I’m applying to?

While the majority of scholarship application processes entail some kind of essay to assess applicants’ writing skills, not all providers require one. Keep in mind that scholarships that do not require essays can be more competitive or have additional guidelines to ensure the right students apply. If you’re having difficulty finding an essay-free scholarship, peruse our "Scholarships by Type" section for easy scholarships or increasingly popular video scholarships, where applicants produce short multimedia pieces instead of writing traditional essays.

Who should I ask to write me a letter of recommendation to accompany my scholarship application and when should I ask them?

This is exactly what my wife saying when she is doing makeup. I told ...

Teachers, coaches, employers or volunteer supervisors are all excellent choices to pen recommendation letters because they can detail your strengths and achievements in ways that appeal to scholarship committees. Do not ask parents, relatives or friends close to your own age because even though they may know you better personally, these references will carry less weight than a professional source. As for when you should request their assistance, do so well before the application deadline. Chances are your letter isn’t the only one they’ll be writing so asking in a timely manner is not only appreciated but will likely yield a more thoughtful finished product.

When should I start applying for scholarships?

The sooner the better, of course! Eligibility requirements vary between awards – you must be a high school senior, you must be a college sophomore majoring in computer science, you must be under the age of 30, etc. – but one thing is for sure: You won’t receive a scholarship if you miss the deadline. Make sure your application packet is complete at least two weeks before the deadline; this way, if it gets lost in the mail or the website crashes, you will have enough time to resubmit your materials.

My schedule is packed. Can my parents apply for scholarships for me?

Your parents can certainly help you throughout the process but since you are the one the scholarship will be awarded to, you must be the one to fill out the application, write the essay, complete necessary supplements and sign the appropriate forms. Your parents can assist you in securing your transcripts and even stamping your envelope but if it’s determined that they did the bulk of the work for you, you will be ineligible to receive the award.

I have a question about the application process/award/requirements. Is it ok to contact the scholarship provider directly?

This should be detailed in the scholarship’s rules, regulations and guidelines. The scholarship provider may have the answer to your question but if they have a strict "no call" or "no e-mail" policy, don’t call or e-mail. Instead, speak to your guidance counselor or financial aid officer; they’ve probably encountered the same questions in past years and will be able to give you an answer...or point you in the right direction toward one.


Will I have to pay an application fee? does not list any scholarships that require any sort of application fee but there are some scholarships out there that might. It’s ultimately your decision whether or not you want to apply for a scholarship that charges you to do but use your best judgment: If the scholarship is for $500 and you must pay a $100 fee to submit your application, is the now-$400 award (which you aren’t even guaranteed to win) worth it to you?


How do I know if I’ve won a scholarship?

Someone from the scholarship committee should contact you directly via phone, e-mail or snail mail by a specific date so it’s essential to make yourself available as that time draws closer. The funds will then be sent to you or the school you will be attending during the next semester. If someone from a third-party organization claims they need personal information (Social Security number, bank account numbers, etc.) to complete the award process, it could be a scam; get as much information about the solicitor as possible without divulging your details and contact the scholarship provider directly to determine your next step.


Will I have to reapply for this award each year I’m in school, like the FAFSA?

Scholarships usually come in three varieties: one-time, renewable and renewable with stipulations. One-time awards are granted – you guessed it – only once while renewable scholarships are granted each year. Some are dispensed automatically each year after the initial award but most renewable awards call for the recipient to reapply or provide transcripts and progress reports to ensure they are still meeting the guidelines set by the scholarship committee. If you were awarded for your stellar grades or athletic achievement, a low GPA or nonparticipation on a university team could call for your award to be discontinued so check with your scholarship provider to determine what kind of award yours is and what you need to do to keep the funding coming.

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Monday, June 29, 2015

New and Printable TOEFL test Sample Questions (Other Eng. Exams)


Free and New TOEFL test Sample Questions for 2015-16

This is 10th part of Free TOEFL test Sample Practice Questions for 2013. In this part you will see questions related completing the sentences. These questions can be practice for other English related Practice Exams too.


Free TOEFL test Sample Practice Questions: Q 101-112

 Categorized in general idiomatic expressions

Choose the appropriate options to complete the sentences


Q 101


There have been reported incidents where a drunk driver fled the scene of a collision ---- avoid a breathalyser test.


A) in case

B) in view of

C) so as to

D) although

E) however




Q 102

We shall wear warm clothes when we go camping in October ---- we don't get cold.


A) in case

B) in order to

C) so that

D) despite

E) because of



Q 103

Although I cannot remember it ----, my parents say that I used to sing in the car on long journeys when I was about four years old.


A) me

B) each other

C) myself

D) one another's

E) us




Q 104

 If you do not want ---- people in the office to read a file of ----, you have to put a password on your computer.


A) other / yours

B) the other / you

C) some others / yours

D) others / yours

E) the others / you


 Tulisan kali ini ditulis dengan kondisi letih pikiran, sehingga ...



Q 105

 By the time we ---- a solution to the problem, we ---- on it for at least five straight hours.


A) have found / had been working

B) find / will be working

C) find / have been working

D) found / had been working

E) found / were working





Q 106

 John ---- the will to overcome the addiction when he tried to stop smoking; otherwise he would have quit it.


A) ought to lack

B) should lack

C) needn't have lacked

D) can't have lacked

E) must have lacked

 30 Short Motivational Quotes For Work

Q 107

he exact nature of the internal mechanism, which --- by daily, monthly, or annual cyclical changes in the environment, ---- yet.


A) affected / hasn't been understood

B) is affected / hasn't been understood

C) was affected / hadn't understood

D) is affected / hadn't been understood

E) had affected / hasn't been understood





Q 108

--- the fact that the results were far from being satisfactory, the researchers decided to collect new data.


A) Due to

B) Since

C) In spite of

D) However

E) Hence


Q 109

 This sculpture is believed ---- in the 151h century in memory of a priest.


A) having made

B) to be made

C) being made

D) to have been made

E) having been made


Q 110

 The students denied ---- any instructions by the invigilator as to how to do the listening part in the exam.


A) to be given

B) being given

C) giving

D) having given

E) to have been given





Q 111

When people talk about the cities of Japan, the first ---- comes into mind is Tokyo.


A) where

B) who

C) when

D) whom

E) that





Q 112

 US authorities have seized a long-lost painting by Spanish artist Pablo Picasso ---- by Nazis during World War 2.


A) robbing

B) to rob

C) robbed

D) to have robbed

E) having robbed



Answers -Free TOEFL test Sample Practice Questions: Q 101-112


101. C

102. C

103. C

104. A

105. D

106. E

107. B

108. A

109. D

110. B

111. E

112. C
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Friday, June 12, 2015

New and Free GMAT Practice Test Sample Questions and answers


Free and New GMAT Practice Test Sample Questions

GMAT Practice Test Sample Questions

This is my NEW blog on GMAT free practice questions. In the first blog we saw how to prepare for GMAT. In this blog you will some more practice questions. You can find all answer in the middle of blog.


Q 1

Which of the following is not a whole number followed by its square?

A.1, 1

B.6, 36

C.8, 64

D.10, 100

E.11, 144


Q 2

Describe the following sequence in mathematical terms. 144, 72, 36, 18, 9

A.Descending arithmetic sequence

B.Ascending arithmetic sequence

C.Descending geometric sequence

D.Ascending geometric sequence

E.Miscellaneous sequence


Q 3

A nurse has to record her temperatures in Celsius but her thermometer reads Fahrenheit. A patient's temperature is 100.7° F. What is the temperature in °C?


A.32° C

B.36.5° C

C.38.2° C

D.213.3° C

E.223.7° C

Q 4

 Art realized that he had 2 more quarters than he had originally thought in his pocket. If all of the change in his pocket is quarters and it totals to $8.75, how many quarters did he originally think were in his pocket?






Q 5

There are 12 more apples than oranges in a basket of 36 apples and oranges. How many apples are in the basket?







Q 6

 Which of the following correctly identifies 4 consecutive odd integers where the sum of the middle two integers is equal to 24?


A.5, 7, 9, 11

B.7, 9, 11, 13

C.9, 11, 13, 15

D.11, 13, 15, 17

E.13, 15, 17, 19

Q 7

 What is the next number in the sequence? 6, 12, 24, 48, ___







Q 8

Which of the following numbers could be described in the following way: an integer that is a natural, rational and whole number?






E. None of the above


Q 9

 What is the next number in the following pattern? 1, 1/2, 1/4, 1/8, ___








Q 10

Of the following units, which would be most likely to measure the amount of sugar needed in a recipe for 2 dozen cookies

A.degrees Celsius






Answers & Explanations GMAT Practice Test Sample Questions 1-10

6=1. E: 112=121, not 144.


22. C: The descending sequence is geometric, with a common ratio of 0.5.


3. C: The conversion formula is: C=(F-32).5/9, where C represents degrees Celsius and F represents degrees Fahrenheit. Substituting 100.7 for F gives: C=(100.7-32).5/9, which simplifies to C=68.7.5/9. Thus, the temperature, in Celsius, is approximately 38.2°.


4. D: The problem may be modeled by the equation, 0.25x = 8.75. Solving for x gives x = 35. Since he thought he had 2 fewer quarters, he originally thought he had 33 quarters in his pocket.


5. C: The problem may be modeled by the following system of equations:(a=o+12@a+o=36). Substituting the expression for a, into the second equation, gives: o + 12 + o = 36. Solving for o gives o = 12. Thus, there are 12 oranges. Since there are 36 apples and oranges in all, there must be 24 apples.


6. C: The sequence, 9, 11, 13, 15, shows all odd integers, which are consecutive. The sum of 11 and 13 is indeed 24.


7. B: The sequence is a geometric sequence, with a common ratio of 2. Two times 48 is 96, thus the next number in the sequence is 96.


8. B: The number, 1, is rational, whole, and natural. A rational number is a number that terminates or repeats. A whole number is represented by the sequence, 0, 1, 2, 3, 4, …, while a natural number is a subset of the whole numbers, and is represented by the sequence, 1, 2, 3, 4,...


9. E: The sequence is a geometric sequence, with a common ratio of 1/2. Multiplication of 1/8 by 1/2 gives 1/16, which is the next number in the sequence.


10. E: The amount of sugar, needed in a cookie recipe, is best measured by the unit of cups, which is an appropriate measure of capacity.

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Friday, May 29, 2015

Free and easy to use tips to boost Metabolism and lose weight quickly


Boost Metabolism and lose weight quickly


Your total metabolic rate is not fixed. In fact, there is a certain part of it that is flexible and when given the proper foods, hydration, exercise and supplements can rev up and help you slim down naturally
Image result for funny weight loss

If you think back to your own personal health history, I am confident you can pinpoint a time in your life when the weight just started to “creep” up on you.  Whether it was an emotional or stressful trigger that started the number on the scale to climb or the hectic pace of life which caused health to take a back burner position – one day you wake up and realize just do not feel like the vibrant, fit person you were meant to be. The good news is, the body has an amazing forgiving and restorative nature – given the proper foods, nutrients and conditions, it responds positively in a very short time. The question that researchers and doctors have been investigating for years is whether metabolism can be altered through various lifestyle and dietary changes. If you have difficulty losing weight, it is thought that you are one of the unlucky ones that have a “slow” metabolism dooming you to a future of continued weight gain and weight loss struggles. If you have a “fast” metabolism, you may be among one of those lucky few who can eat anything and everything they wish never gaining a pound.

With great strength, science demonstrates that metabolism can indeed be increased with a variety of natural steps. The key is to strike a fine balance between caloric intake, proper food choices and exercise.

Image result for funny weight loss

1 Protein , protein and Protein

The hormone glucagon is released in response to dietary protein, such as egg whites, low-fat cheese, lean meats, chicken, fish and protein powder. Glucagon signals fat cells to release fat into the blood, thereby promoting its use. In other words, more fat is burned and more weight is lost when you eat more protein

2. Breakfast is best to break fast

 Picture your metabolic rate shaped as an ice cream cone. In other words, starting at the top – it is at its highest in the morning and starts to decline on a gradual level as the day progresses. Unfortunately, most of us have a backwards approach to eating when it comes to weight loss and meals. We skip breakfast for a variety of reasons such as lack of hunger, a busy schedule or to save on calories.  While this may seem to make sense from a pure “calories in, calories out” theory, research has demonstrated time and time again that this approach will result in weight gain. Whether it is a protein shake, a yogurt and granola parfait or slow-cooking oatmeal – you need something to start your day off right.

3. Big NO to refined grains

 Products made from refined grains, such as many breads, pastas, cookies and cakes, cause most people to over secrete the hormone insulin. Insulin has the opposite effect of glucagon. Of its many functions, insulin is secreted from the pancreas to facilitate the uptake of glucose from the bloodstream into the cells.

Glucose (a.k.a. blood sugar) is derived from carbohydrates and is the main source of fuel for the body. When too many of the wrong types of carbohydrates are consumed, such as refined white sugar and/or white flour, excess insulin is secreted to deal with the sugar. In short, excess insulin = excess fat.


4. Eat LOW glycemic index carbohydrates

 Examples are like - fruits, vegetables, whole grains (breads and pastas) and beans. Do not be scared of eating bread! Research demonstrates very clearly that whole grains are beneficial for weight loss and the prevention of type II diabetes, colon cancer and constipation.


5. Go for green! Instead of coffee, opt for some green tea


 Green tea has many health benefits, from helping to fight diseases such as cancer and heart disease, to aiding in weight loss. Studies show that catechins, the antioxidants in green tea, help increase fat burning. Research also shows that green tea may lower blood sugars by inhibiting enzymes that allow the absorption of starches, and it may reduce the absorption of fat from the intestine. Typical dosage is three or four cups per day or a 300 to 400 mg capsule of green tea extract daily.

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