You’d Be Surprised at How Many Families Make This Mistake When it Comes to Financial Aid!

“We were told we make too much money to qualify for financial aid. Should we bother applying?”

Here’s the answer, once and for all:

YES!!

Got it?

Many families assume they make too much money to qualify for financial aid, but there are many factors that determine eligibility – not just income. In fact, according to a recent study, 53% of all eligible families never apply for aid!

The main reason preventing them from applying is this misconceived notion that they make too much money. I’ve had single moms two steps above the poverty line approach me at the end of a workshop, concerned that their income was too high! Here’s the big idea in this article: even families making healthy, six figure incomes will qualify for aid at most schools.

EVERY family with a high school senior bound for college should complete the Free Application for Federal Student Aid (FAFSA). The data you enter into FAFSA dictates how much money you are expected to contribute to school. This number is calculated pursuant to the Department of Education regulations.

Filling out a FAFSA is painful. You must be extremely careful – the opportunity for mistakes and pitfalls abound! According to an industry study, approximately 78% plus of all FAFSA’s contain mistakes. One of the more common gaffes that severely limits or eliminates deserved aid: listing assets that do not need to be included.

In February, the Miami Herald printed a letter from a Miami Beach woman whose son was admitted to an elite, private school. The family’s income was approximately $50,000. However, after she completed her forms, she learned that she was expected to contribute more than $30,000 per year.

By way of contrast, we recently devised a plan for a client with striking similarities. Had he done the forms the same way as the Miami Beach woman, his expected contribution for college would have been more than $147,000. After we “fixed” his problem, his magic number was $3,400 per year.

Did we hide assets in a strange offshore account? Nope. Are we magicians or weird psychics? C’mon. Did we manipulate things in an illegal, unethical or immoral manner? Of course not!

All we did was follow the guidelines promulgated by the Department of Education. These guidelines read like a phone book. There are between 67-78 different factors that bear on how much aid your family will receive.

Unless you are a specialist in this area, you couldn’t possibly understand these rules of the game. An easy analogy is tax preparation – sure, you can do your own taxes, but how likely are you to take advantage of every benefit due to you compared to if you retained an experienced CPA? Of course, if you’re the do-it-yourself type: you like to fix your own car, sprinklers, etc. you might not like this idea, but you have to admit that you cannot possibly be as competent as an expert.

OK, I’m off my high horse. I just broke some bad news; now, here’s some WORSE news! Unfortunately, the FAFSA is not the only financial aid form required.

Many private colleges require you to submit an additional form, the CSS/PROFILE. Also, many private schools require their own institutional aid forms. These forms are even more hateful, more onerous than the FAFSA. My partner, “College Pete,” likens filling out the Profile to a root canal without Novacaine. How’s that for a graphic image?

He’s got good reasons for saying this. Here’s what he’s talking about:

You must be even more careful completing the profile, particularly the sections earmarked for the student to complete. Some common questions for the student to answer: “How much money do your parents have to pay for your college education?”

Whoa, Nelly! How many high-schoolers can answer this question? Do your children know your bank balance?

If the student gives one answer on his form, and you give another figure on your form, there’s trouble in River City.

If the private forms and FAFSA are even slightly inconsistent, your financial aid application could be delayed or flat out rejected! And you can’t say something like, “my kid was on drugs when he filled out the form – please let me change the answer!” Admissions departments are kind of funny about stuff like that.

Here’s the bottom line. You must approach the college financial aid forms very carefully. Be careful whom you speak with – high school guidance counselors are typically too busy to develop any expertise in this area (the average guidance counselor handles something like 471 students in Florida). You CPA, money manager or other trusted advisor may give you advice that might make sense for their purposes, but may actually reduce the amount of aid that you’ll qualify for!

Do not wait until the last minute to plan how you will pay for college. Sophomore Year (yes, Sophomore Year!) is the ideal time to get serious about the planning process. Speak to a knowledgeable college financial aid expert sooner, rather than later.

ored hearing aids are hearing aids that carry sound through the bone of the skull. Conventional hearing aids amplify sound so the user can hear better. With this type of hearing aid, sound is vibrated through the skull, skipping the outer and middle ear. Just imagine hearing your voice loudly even when wearing earplugs – this is how bone conduction works. These types of hearing aids are prescribed to people with unilateral hearing loss, conductive hearing loss and other hearing losses that cannot be fixed with conventional hearing aids.

Getting Bone Anchored Hearing Aids

Getting this type of hearing aid starts with a surgical procedure that imbeds a titanium implant with an external abutment onto the skull. A sound processor is located in the abutment. This processor works as the transmitter of sound, from external sources, to the abutment and then into the titanium implant. The implant then causes the inner ear and the skull to vibrate. This vibration activates the nerves of the inner ear, and causes it to hear.

The process of imbedding the titanium implant is called osseointegration. Bone anchored hearing aids can only be used two to six months after the osseointegration procedure. This is typically an easy one-stage procedure, using only a small amount of anesthesia. Patients can leave after a few hours of rest. The intake of pain relievers may be required for a couple of days.

Osseointegration is a generally safe procedure, with a success rate of above 95%. Failure can be caused by infection – but then, doctors can try the procedure again after curing infections and other side effects. In many of these procedures, the surgeon will put in a second idle receptacle. This idle receptacle will not be used until first one is damaged or fails.

Unlike adults, babies and toddlers go through two stages for the osseointegration procedure. In the first surgical stage, doctors peel back a one centimeter by one centimeter section behind the child’s ears, and then drill holes for the receptors. After six to eight months, the second surgery is done to attach the titanium implant.

For both children and adults, the wounds are allowed to heal for a couple of months before bone anchored hearing aids can be attached and used.

Who Can Get Bone Anchored Hearing Aids

In general, bone anchored hearing aids are for patients who cannot use the conventional hearing aids. They may have inflammation or infection in their ear canal. They may also suffer from malformed ear canals or outer ears. This type of hearing aid is also prescribed for people with deafness only in one ear. Likewise, this type of hearing aid is for people who suffer from bilateral conductive hearing loss because of ossicular diseases.

Risks in Getting Bone Anchored Hearing Aids

Since surgery is involved in getting this type of hearing aid, the patient risks contracting infection while the wound is still unhealed. The wound needs to be cleaned daily. A topical antibiotic should be applied in the affected area as the wound heals. Likewise, care should be taken with the titanium imbed. This should be cleaned daily with a soft brush. Its surrounding areas should also me disinfected regularly.

Care should be taken in handling the hearing aids. Even when these are designed to come off their posts, a slight impact may damage them. Cochlear Limited is the only manufacturer of this type of hearing aid for now. They offer warranty and repair within a period of time.

How Much Will It Cost

In terms of the hearing aid unit alone, cost can reach up to US$5,000. however, with the additional cost of hospitalization and surgery, expenses can add up to $35,000, on the average.

Hearing Aid Models

Since Cochlear Limited is the only current provider of this type of hearing aid, there are limited models to choose from:

1. BAHA Classic and BAHA Compact – These models have been discontinued because of developments in BAHA technology. They remain in use but with limited repair options.

2. BAHA Cordelle – This model is for those with severe hearing loss. Sound is amplified more. The Cordelle model is made up of a transducer and an additional attached unit that is worn around the body.

3. BAHA Divino – This model is digital BAHA model with built-in directional microphone.

4. BAHA Intenso – This model is supposedly the more powerful and clearer model. Feedback issues have also been reduced.

Bone anchored hearing aids are clearly the choice hearing aid for those suffering from severe hearing loss, and outer ear and ear canal defects and diseases. Advancements have made the surgical procedures that go with this type of hearing aid relatively safe.

Travel first aid kits of course, are first aid kits that are small enough to bring along with you wherever you go. Any size first aid kit is useful when an emergency occurs. No matter how small the emergency, you want to be prepared, especially if you have children. It’s best to try and have a first aid kit for each one of your vehicles. I would recommend a first aid kit that is small enough to fit in your glove-comparment, under your seat, on your boat, in a backpack, or even one that fits around your waist like a fanny pack first aid kit. If you are traveling with your family, just keep the kits small enough so each person can carry their own first aid supplies. If you can keep the kits small like this, it won’t cost much to keep everyone prepared in case of an emergency. You can always buy empty cases or pouches, or use an old lunch box to fill up with your first aid supplies. Even though the lunchbox is a little big, it’s great for a vehicle first aid kit, boat first aid kit, rv first aid kit, or even as a sports first aid kit. If you’re camping or hiking, personal first aid kits or fanny pack first aid kits are the best fit for those activities. Find the first aid kit that best suits your activities and keep you and your family prepared in case of an emergency.

The following items are recommended for a travel first aid kit supply:

Tweezers and needle (for removing splinters)

Fingernail scissors

Cotton balls and/or swabs

Antiseptic soap

Moleskin in case of blisters

First aid book

Lotion for diaper rash

Teething medicine

Nasal aspirator for baby

Adult aspirin, acetaminophen or ibuprofen

Baby aspirin, acetaminophen or substitute

Antihistamine or allergy medication

Anti-diarrheal

Antacid

Cough medicine and/or throat lozenges

Petroleum jelly

Oral and rectal (for baby) thermometers

Dramamine

Anti-bacterial gel for handwashing without water

Antiseptic ointment

Insect repellent

Ipecac

Sunscreen

Ointment for insect bites and sunburn

Adhesive bandages in various sizes, adhesive tape and gauze pads

Premoistened towelettes (make your own by putting paper towels in a weak solution of mild dish soap and water)

Tissues

Hiking can be one of the most wonderful activities you can pursue; physical activity in beautiful surroundings; exploring new places; breathing in fresh air. Unfortunately it can also be one of best places to experience a myriad of injuries. Because of the nature of the activity – traveling, sometimes solo, in a secluded setting – it is absolutely imperative to carry a first aid kit for hiking.

A first aid kit for hiking includes a number of important things and should be carried with you at all times. Make sure the container is lightweight and easily transportable as you will more than likely carry it with your other supplies in your backpack.

Some inclusions in your first aid kit for hiking should be bandages of all sizes including gauze and tape, alcohol or other antiseptic for cleaning wounds, antibiotic cream, pain relievers, a small pair of scissors, bug repellant, and sanitary wipes.

If you take any medications on a daily basis, be sure to bring them with you just in case. Keep extra medications in your first aid kit for hiking so that you’re always prepared.

First and foremost, in addition to your comprehensive first aid kit for hiking, anyone hiking should always carry a cell phone on them at all times; especially when traveling alone. Alert friends and family about where you’ll be and what time you’ll be back; that way someone will know where to find you if you’ve been gone an excessive amount of time.

A first aid kit for hiking is one of the most important things you can bring with you to ensure an enjoyable, successful hike. Preparedness will save you time, inconvenience, and possibly even your life.

Take the steps necessary to assemble a first aid kit for hiking by visiting some outdoor sporting stores. Many will sell a pre-assembled first aid kit for hiking in a lightweight container easily stored in a backpack. Shopping online will also yield you a number of first aid kits of appropriate size.

Or if you wish to assemble one yourself then just look for the appropriate container and begin purchasing the necessary items specific to you.

Either way, a first aid kit for hiking should be considered part of your hiking equipment. Never leave home without it and you’ll never be caught off guard.

The Federal Communications Commission ( FCC ) has mandated that cell phones should be rated depending on how much interference they are likely to cause to hearing aids. The need for hearing aid compatible cell phones has increased due to the demand of people experiencing interferences. Several digital devices like cell phones and computers give off different kinds of radio frequency and electromagnetic radiation. This often results in hearing annoying interference when holding a cell phone or any other wireless device near to your hearing aid or cochlear implant.

“Presidential hearing aid history includes President Ronald Reagan and President Bill Clinton, two presidents of very different ages who both wore hearing aids.”

The interference is typically in the form of buzzing or humming, which can make it hard for you to comprehend speech. There are also known cases where the severity of the interference can render your cell phone completely useless when you are wearing hearing aids.

The hearing aid compatible cell phones are rated through radio frequency emissions ( RF ). Additionally, the RF rating can be measured through the microphone ( M ) rating and the telecoil coupling ( T or t – coil ) rating. The scale for hearing aid compatibility ranges from one to four providing four possibilities: shaky ( M1 or T1 ), fair ( M2 or T2 ), good ( M3 or T3 ), and excellent ( M4 or T4 ).

“Considering advances in technology, and the ability of science to shrink useful items, the hearing aid of the future is likely to be an implantable device or even a surgical procedure”

The hearing aid compatible cell phones should only have three or four rating and those having one or two ratings are deemed unacceptable.

The Federal Communications Commission also ordered cell phone manufacturers to provide an icon on their products indicating that the products are hearing aid compatible cell phones. There is also an indication showing the level of compatibility for both the microphone and t – coil rating.

“There are at least two hearing aid manufacturers claiming to make the smallest hearing aid in the world”

The hearing aids must also be designed to be resistant from radio frequency interference. The scale rating of RF interference resistance for hearing aids is similar to cell phone ratings. There are currently a number of hearing aids that have a rating of M2 and T2.

Manufacturers of Hearing Aid Compatible Cell Phones

There are several manufacturers of hearing aid compatible cell phones for hearing – impaired customers. AT&T carries Motorola cell phones models that are hearing aid compatible including: the Motorola RAZR V3xx, Motorola RAZR V3, Motorola KRZR K11, and the Motorola RAZR2 V9.

“However amazing the world’s smallest hearing aids are, they still might be the wrong hearing aids for you. Since you will be working with these devices every day, you need to be comfortable handling them, putting them on and taking them off”

In any event, AT&T also carries hearing aid compatible cell phones from other manufacturers such as LG and Samsung. The LG Shine, LG CU515, LG Trax CU575, LG CE110, Samsung A727 and Moto Q9h Global are some of the few hearing aid compatible cell phones available in the market.

There are other cell phone carriers that provide communication lines for several hearing aid compatible cell phones. Such carries are Nextel, Sprint, T – Mobile and Verizon.

Starkey Laboratories is one of the world’s leading hearing aid manufacturers. Focused on customer service, they were the first company to provide a warranty and free trial period for hearing aid buyers. Starkey has locations in more than 24 countries and works with hearing specialists to determine the needs of each customer. Starkey makes a variety of different types of hearing aids to cater to all hearing aid wearer’s needs. All current Starkey hearing aid models are digital.

Starkey offers the Destiny line of hearing aids. These come in a wide range of models and styles to fit any budget and hearing need. The Destiny 400 is an entry-level model, which works best in quiet environments. It eliminates feedback and offers a good digital option at an affordable price. It adjusts automatically for telephone communication and provides indicator tones when attention is needed such as battery replacement. The Destiny 400 adapts easily for each environment. It can be highly customized using a hearing specialist.

The Destiny 800 has all the features of the 400 plus more easily adapts to different environments. It is able to detect and identify different sounds as well as quiet and adjusts automatically.

The Destiny 1200 is well-suited to active wearers who often switch between different types of acoustic environments. It works well at sporting events as well as at home. It is designed to virtually eliminate feedback and enables the user to hear even subtle sounds.

The Destiny 1600 is the top of the line Starkey hearing aid. It uses Starkey-specific technology called nFusion, which is loaded with every state of the art feature possible. It has voice indicators to help understand tones. A built-in self-check provides diagnostic reports. It has immediate environmental adaptation, which allows the user to transition seamlessly between different types of environments.

New wireless solution products are also available to provide wireless connectivity with your hearing aid and your wireless or Bluetooth enabled electronic device such as cell phone or computer.

Starkey hearing aids come in styles to suit any hearing need. The type of device you need is determined by the type and level of your hearing loss. BTE – Behind the ear style sits just behind the ear. ITE – In the ear style sits just inside the ear. ITC – In the ear canal style is made to sit lower into the ear. CIC – Completely in the ear canal style slides deeper into the ear canal.

Before buying a hearing aid, consult with a hearing specialist who can determine the best type of hearing aid for your hearing loss. Of all the hearing aid styles, BTE is the most versatile and usually offer better hearing results. This style is making a big comeback, particularly in light of all the new technology that uses similar looking earpieces.

Besides Starkey, the other major manufacturers of hearing aids include Siemens, Beltone, Phonak, Widex and Oticon. It is good to shop around in order to find the hearing aid that suits your hearing needs, comfort, lifestyle and budget.

The funny thing about emergencies is that you never know when they’re going to strike. But, medical emergencies, at least minor ones, can be planned for. A good first aid kit that’s well stocked can really help take the panic out of an emergency situation and help you and your loved ones get back to the business of living quick. Every home should have at least one well stocked kit to enable family members to handle minor situations that arise.

A first aid kit in a home should be put in a location that’s agreed upon by everyone. If it contains items that might be dangerous for little people, keep the kit out of their reach. But, do make sure family members who can use and benefit from it know its whereabouts.

When stocking a first aid kit for a home, it’s important to include basic items. The list includes:

Band-Aids. You should have several sizes of bandages included in a good first aid kit. It’s hard to tell when these will be needed and how large they need to be, so multiple choices help you cover your bets. Burn cream. Burns happen at home. There’s no way around it. Whether it’s from cooking or lighting a fire, they just happen. A good, medical grade burn cream included in a first aid kit can help take the sting out of the situation. Speaking of stings, bee stings, mosquito bites and other such insect run-ins can be real problems around the home. Inasmuch, a good kit should include anti-itch cream to help combat the effects of these critters. Peroxide. If a wound is present, it should be properly cleaned out. Peroxide is therefore a smart thing to include. Aspirin or baby fever reducer. If you don’t think these things belong in a kit, trying being up at 3 in the morning with a little one who has a high fever. If the medicine is kept in the first aid kit, you always know where to find it. Cold compresses. Sprains, strains and so on can require fast treatment to help avoid swelling. These portable first aid kit created compresses are wonderful for getting the job done and they are easier to bring with you if an emergency room visit is in order. Butterfly bandages. These are vital to include. These close small wounds effectively until medical treatment can be sought out.

Depending on any special needs in your home, you might need to have other items in your first aid kit. A home with a diabetic, for example, might want a glucose shot for crash emergencies and one with a small child might require lotion for diaper rash and so on.

Store bought first aid kits are great, but the ones that really pay off are those that have enough room for you to add items you think are important. Medical needs in each home can differ, so first aid kits should not be one size fits all.

If you find yourself hard of hearing, do not fear. Millions of people suffer from some type of hearing loss. Hearing aids are now better than ever but choosing one can be a little overwhelming.

Here are 5 tips on choosing digital hearing aids.

1. Style

Hearing aids come in various styles. The type and degree of hearing loss determine the style that works best for you. Consult with an audiologist who can advise on a suitable style for your hearing loss.

There are 5 main styles of hearing aid.

CIC  Completely in the ear canal hearing aid fits deep into the ear canal and is not visible. These are super-small devices. One drawback is that the tiny size prohibits many features.

ITC  In the canal hearing aid fits partially into the ear canal although not as deep as the CIC style.

ITE  In the ear hearing aid fits into the outer edge of the ear. While this style may be more visible it is also easier to handle and insert.

BTE  Behind the ear hearing aid attaches to the outer ear and rests on the back of the ear. It is making a revival partially because of its similar shape to cell phone headsets and the style lends itself to improved hearing.

Open fit hearing aid is similar to BTE hearing aid but smaller. It uses a small tube to send sound into the ear canal.

2. Basic features

All hearing aids have the same basic features. A microphone is used to pick up the sounds for amplification. The amplifier increases the volume of the sounds. A speaker is used to provide sounds into the ear canal to be heard. All hearing aids run on battery power. The frequency with which the battery needs to be changed will depend on the number of features, the size and amount of use.

3. Digital or analog

Analog used to be the standard hearing aid and the first type that was available. As technology advanced digital hearing aids were born. These started out being quite expensive. Today, however, the prices have become quite affordable making the analog styles all but obsolete.

4. Accessories

A remote control is handy to easily control volume and make other adjustments. Directional microphones help to pick up sounds that come from various directions. Adapters enable your hearing aid to be used with your telephone and cell phone.

5. Hearing aid brands

When choosing a hearing aid, always purchase a reputable brand. Consider how long the hearing aid manufacturer has been in business as well as their guarantee and warranties. Siemens, Phonak, Starkey, Widex and Rexton offer some of the highest quality hearing aids in the market. Shop around, compare various brands and prices to find a digital hearing aid that fits your lifestyle and budget.

If you are thinking about getting a hearing aid, you probably want one that is small, that no one can see, and one that can help you hear better and is comfortable. Well, there is good news for you! New Open Ear hearing aid technology has dramatically improved hearing capabilities as well as good looks.

The Open Ear style hearing aid is a discreet device that sends the sounds into your ear in one of two ways. Some Open Ear style hearing aids use a small tube with an earbud (a soft tip) on the end that connects to your ear. A more recent innovation in Open Ear hearing aid design is the receiver in the ear delivery system. The names for this type of product vary. You may see them advertised as RIC, RITE, or CRT. They all mean the same thing, the receiver (speaker) is actually in your ear and connected to the hearing aid by a thin wire.

Using a RITE connection provides several benefits. This is so the wire cannot kink from repetitive use and it will maintain its shape. Because the speaker is actually in the ear, the sound quality is better and the hearing aid can provide more high frequency amplification. Feedback (that annoying whistling sound) happens less often because the microphone and the speaker are further apart. Hearing aid manufacturers have also developed disposable wax guards for the speaker which are easily replaced. This style results in less breakdowns from earwax.

Of the current Open Ear products using RITE technology, the Oticon Delta hearing aid is one of the most popular. Oticon Delta has a small, triangular design. Because it is so small, this hearing aid looks like it could be a bluetooth communication device or a fasion accessory. The Delta hearing aid is available in a variety of colors, some trendy and some designed to camouflage. I find most patients want discreet colors which hide the hearing aid in your hair and make it virtually invisible. However, sometimes a patient will want to make a bold statement and pick a color like Deep Purple or Sunset Orange.

The Oticon Delta hearing aid was selected as an International CES Best of Innovations 2007 Design and Engineering Award winner. Innovations 2007 recognizes the best-designed and best-engineered products in consumer technology, and is one of the most widely renowned consumer technology awards programs worldwide. The Oticon Delta hearing aid was awarded one of the highest scores in the Personal Electronics category based on its value to a user, aesthetics, contributions to quality of life, and innovative qualities.

Another popular new Open Ear hearing aid is the Phonak Audeo. Very tiny, light and discreet, the Audeo hearing aid has several features that make it an excellent choice. CrystalSound is the core of the hearing aid processor. It digitally amplifies the subtle, high-pitched sounds critical to understanding speech and makes sure nothing gets lost. Digital SurroundZoom is one the industry’s best directional microphone systems. All packaged into a cool, Red Dot Design Award winning form that combines style with ergonomics and practicality. The Audeo shape is designed to allow optimum placement of the dual microphones on the hearing aid for the best performance in noise.

Many Open Ear hearing aids can also be used for more than just high frequency hearing loss. By making a custom tip, they can be used for moderate to severe hearing loss at all frequencies. This allows even more hearing aid users to enjoy the technological and cosmetic advantages. Open Ear technology is the new breakthrough for hearing aid users.

When we think of the items that should be kept in vehicle first aid kits, a few common wound care supplies come to mind:

Antiseptic cleansing wipes Plastic adhesive bandages Butterfly closure strips Antibiotic ointment Burn relief cream

Since the purpose of an automobile first aid kit is to be prepared for unexpected situations, you may want to ensure that your vehicle is stocked with these less obvious safety supplies to ensure preparedness in different types of emergencies:

First aid tape, cotton tipped applicators and gauze in a range of sizes: While the basic wound care supplies mentioned above are important to keep in any vehicle first aid kit, having gauze in a variety of sizes as well as other wound care supplies provides the ability to treat wounds of varying severity. Instant cold compresses: An instant cold compress is a small pack that becomes extremely cold and acts as an ice pack when activated. An instant ice pack can be used to alleviate swelling when ice is not available, as is usually the case in roadside emergencies. Emergency blanket: Emergency blankets use reflective foil to trap body heat and maintain optimal body temperature in cold environments. Emergency blankets can be life savers in the event that you get stranded with no heat in frigid winter temperatures. Disposable gloves: Disposable gloves such as latex gloves, vinyl exam gloves or disposable nitrile gloves protect against the spread of germs when administering or receiving first aid. Gloves help prevent the spread of germs from the hands to a wound and vice versa in an emergency situation.

A vehicle first aid kit may not be something you think about often, but having the right medical supplies on hand to deal with unpredictable circumstances is an important part of vehicle safety. While we recommend keeping a complete first aid kit in your vehicle to prepare for emergencies, we also hope you never have to use it!