Direct Loan Consolidation and Your Options

With the cost of education having risen over the years, former students are constantly looking for ways to pay back their educational loans. Now paying debt can be difficult already but it is more difficult when one has multiple loans to think about as paying different loans at different times can be.

To address this problem, a lot of people now opt for direct loan consolidation. This is a fantastic option that allows the borrow to combine (consolidate) one or more of their Federal education loans into one single new loan. A federal direct consolidated loan will pay off all your existing loans like your Perkins Loans, FFELP Loans and Direct Loans and a new loan is created with a single interest rate and repayment period. This means you won't need to remember multiple due dates which make payment easier.

There are also multiple plans available to borrowers so they can choose how to repay their direct consolidation loan. The good thing about these plans is they are tailored to be flexible so the borrow can easily adjust when times are changing. To opt for a direct consolidation of your debts is also free plus you don't need to have a minimum borrowed amount to qualify for this.

Now if you only have one loan you more info might be thinking this is of no use to you. You may want to convert your loan into a direct loan consolidation to get refinancing benefits and have a much more favorable interest rate. Most federal loans and plus loans can be consolidated.

You have the option of choosing which kind of direct consolidation loan you wish to apply for. A direct unsubsidized consolidation loan combines federal student loans that are no longer eligible for interest subsidies. If any one of the loans to be consolidated is unsubsidized, then you will receive an Unsubsidized Direct Consolidation Loan.

While a direct subsidized consolidation loan combines federal student loans eligible for interest subsidies, the common examples of these are loans such as subsidized FFELP and Direct Loans, and Federal Perkins Loans.

And the third kind is the direct PLUS consolidation loan which combines FFELP PLUS and Direct PLUS loans.

In order for you to qualify for this you just need to have at least one Direct Loan or Federal Family Education Loan that is under these status; repayment, deferment, default, or in grace.

So if you are currently experiencing difficulty making payments to your creditors, you have multiple due dates, and you just wish to have the option of better repayment schemes you may want to consider availing of this service now.


A federal direct consolidated loan will pay off all your existing loans like your Perkins Loans, FFELP Loans and Direct Loans and a new loan is created with a single interest rate and repayment period. You may want to convert your loan into a direct loan consolidation to get refinancing benefits and have a much more favorable interest rate. A direct unsubsidized consolidation loan combines federal student loans that are no longer eligible for interest subsidies. If any one of the loans to be consolidated is unsubsidized, then you will receive an Unsubsidized Direct Consolidation Loan.

Normal Hair Growth and Common Hair Loss



Normal Hair Growth Cycles

Undisturbed, each terminal scalp hair usually grows continuously for about approximately three to five years. Then, the hair transitions into a resting state where the visible portion above the skin is shed. No hair grows from the follicle for 90 days. Once this time has passed, a new hair begins growing through the skin and continues for another three to five years at a rate of approximately 1/2 inch per month.

It is thought that as many as 100 genes are involved in regulating the creation, construction and cycling of scalp hair. To date, very few of these genes have been identified.

Common Pattern Hair Loss

Hamilton-Norwood Hair Loss Scale

For those concerned about hair loss, many myths and half-truths abound, but useful information can be difficult to obtain. Therefore, an objective overview of pattern hair loss is presented herein.

In healthy well-nourished individuals of both genders, the most common form of hair loss is androgenetic alopecia (AGA), also known as pattern hair loss. The disorder affects approximately 40 million American men. Perhaps surprisingly, the same disorder affects about 20 million American women. The difference between women and men is that a woman suffering hair loss usually retains her feminine hairline and experiences thinning behind this leading edge. In men, a distinct "pattern" of loss manifests where the frontal edge recedes at the same time that a thinning zone expands from the posterior crown. In more pronounced cases, these zones meet and the person is said to be clinically bald.

Three Triggers

Importantly, three things need to occur in order for one to be affected by AGA. Nine year old children do not experience pattern hair loss. And third, one needs to have the circulating hormones that precipitate onset and progression of the disorder.

Typically, the earliest onset of AGA occurs in late puberty or one's early 20's. As a general rule, the earlier hair loss begins, the more pronounced it is likely to become.

Hormones, Enzymes & Other Factors

Crystallography of DHT molecule
From a susceptibility standpoint, the principle hormonal trigger linked to pattern hair loss is 5-alpha dihydrotestosterone, commonly referred to as DHT. Intriguingly, it has been shown that in persons genetically insensitive to DHT, pattern hair loss does not occur. DHT is synthesized from the androgen hormone testosterone and is useful early in life and during puberty.

In adults, DHT is thought to cause significant harm, but very little good. Disorders as disparate as benign prostatic hyperplasia and pattern hair loss are both triggered by DHT. The synthesis of DHT occurs via two closely related forms of the enzyme 5-alpha reductase. Hair loss treatment options that efficiently interfere with the interaction between 5-alpha reductase and androgen hormones like testosterone have been shown to offer clinical benefit in treating pattern hair loss.

Because hair growth is regulated by multiple genes and attendant biochemical pathways, the underlying factors are extremely complex. Another challenge to understanding hair loss has been the fact that humans, alone among mammals, suffer from androgenetic alopecia. Thus, no efficient animal model exists that would otherwise tend to shed light upon the key factors at work.

Hair Loss Variations Other Than AGA

In either gender, the differential diagnosis is typically made based on the patient's history and clinical presentation. The common differentials for AGA include alopecia areata (AA), Trichotillomania, and telogen effluvium. Less often, the cause of hair loss may be associated with disorders such as lupus erythematosis, scabies or other skin manifesting disease processes. Scalp biopsy and lab assay may be useful in ascertaining a definitive diagnosis, but, in such cases, should generally only follow an initial clinical evaluation by a qualified treating physician.

Pattern Hair Loss Treatment Options

It has wryly been observed that the choices for dealing with hair loss are "drugs, rugs, or plugs". This quip articulates three treatment options that are more kindly referred to as non-surgical hair systems, surgical hair restoration, and pharmacotherapy.

Non-surgical Restoration

Typical Hair Piece

Hair replacement systems have been in regular use at least since the time of ancient Egypt. These products also go by the term hair integration systems, wigs, weaves, hair pieces, toupees and many other names. All have one thing in common-- they are not growing out of one's scalp. Thus, they must somehow be attached either with the bald skin or the fringe of hair remaining above the ears and in the back of the scalp.

The first is the hair itself which may be synthetic, natural, or a combination thereof. Typically, the hair is woven in to a fabric-like base which is then attached in some fashion to the scalp. Methods include sewing the base to the fringe hair, gluing the base to the fringe hair, or gluing the base to the bald scalp.

Potential advantages to hair systems include the immediacy of achieving a full hair "look" that can appear, to the casual observer, to approximate a full head of hair. The potential disadvantages of hair systems are many and varied.

In persons who are actively losing hair, vs. those who are essentially bald, the hair system itself may rapidly accelerate the process of going bald. Another disadvantage is the hard leading edge that can give away the fact that a person is wearing a hair system. In the past, this problem has been addressed by using delicate lace front artificial hairlines that look quite natural but tend to be extremely fragile.

Hair systems must be serviced and eventually replaced themselves because they are nonliving. The costs of servicing and maintaining a hair replacement system are not insubstantial-- and such costs can dramatically exceed the initial price of acquisition.

Surgical Hair Restoration

Surgical hair restoration, commonly known as hair transplantation, exploits a phenomenon first described in the 1950's. This phenomenon, donor dependence refers to the observation that hair bearing tissue, when relocated to a previously balding area of the same person's scalp, continues to produce viable, vigorously hair that persists in its new location as it otherwise would, had it not been "relocated". In appropriately selected patients, surgical hair restoration can constitute a positive solution to pattern hair loss

There are important caveats to hair transplantation. The first concerns supply and demand. At the present time, one may not transplant hair from one person to another without causing a destructive and florid foreign body response in the recipient. Thus, both operator and patient are relegated to whatever permanent hair bearing tissue is in place. Accordingly, it is highly important to conserve and strategically place this precious resource appropriately.

A hair line that is too abrupt or spotty may look worse than it did before it was restored. By the same token, hair behind the leading edge that is not restored in a fashion that yields meaningful density (e.g. 1 hair per mm/sq) often fails to approximate a full head of hair.

The third caveat to hair transplantation refers to a problem known as chasing a receding hair line. Because hair loss is progressive and relentless, it is possible that donor hair restored integrated into an apparently intact area of scalp hair may end up as an island of hair because the hair behind it continues to erode.

Ideally, for persons undergoing transplant surgery, it would be helpful to incorporate a treatment option that safely and effectively arrested the progression of hair loss, allowing the treating surgeon to fill in the thin areas without the concern of chasing a receding hair line.

Drug-based Hair Loss Treatment Options

From a treatment perspective, the two most widely used therapeutic interventions against pattern hair loss have been topical minoxidil and oral finasteride.

Minoxidil

Minoxidil, first sold under the trade-name Rogaine( TM) was initially developed as the oral antihypertensive drug, Loniten( TM). In some patients who used minoxidil to treat blood pressure problems, it was observed that unusual hair growth occurred on the face and scalp. Rogaine( TM) (2% minoxidil) was the first hair loss treatment drug approved by the FDA for use in men.

The advantages of Rogaine( TM) include the ability to arrest, and possibly reverse, pattern hair loss. Based on Pfizer's own marketing materials, Rogaine( TM) has primarily been shown to be effective in treating hair loss in the vertex and posterior scalp, but not the anterior hairline. Minoxidil is a potent drug with potential side effects that include hypotension and skin irritation.

Finasteride

Finasteride, a selective type II 5-alpha reductase inhibitor was originally developed, in 5 mg oral dosage, under the trade name Proscar( TM) to treat benign prostatic hyperplasia (BPH). Because BPH is linked biochemically to the same metabolic pathways that trigger pattern hair loss, it was hypothesized that finasteride could be clinically useful in both pathologies. In placebo-controlled studies on men with mild to moderate hair loss, Propecia( TM) was shown to produce clinically relevant benefit in arresting, and in some cases, reversing the progression of the disorder.

Dutasteride

Like finasteride, dutasteride was originally developed to treat BPH. Unlike finasteride however, dutasteride inhibits both isoforms of 5-alpha reductase, while finasteride inhibits only type II 5-alpha reductase. Interestingly, a clinical study undertaken by GlaxoSmithKline, the EPICS trial, did not find dutasteride to be more effective than finasteride in treating BPH.

At the present time, dutasteride is approved to treat BPH. Clinical trials for dutasteride as a hair loss drug were undertaken, but halted in late 2002. Potential side effects noted with the use of dutasteride include gynecomastia, changes to PSA levels, teratogenic effects and others that closely parallel the negative side effect profile described by the makers of finasteride.

In December 2006, GlaxoSmithKline embarked on a new Phase III, six month study in Korea to test the safety, tolerability and effectiveness of a once-daily dose of dutasteride (0.5 mg) for the treatment of AGA in the vertex region of the scalp (types IIIv, IV and V on the Hamilton-Norwood scale). The future impact that this study will have on the FDA's approval or disapproval of Avodart for the treatment of male pattern baldness in the United States is yet to be determined.

Other Drugs

On occasion, but specifically in female patients drugs including spironalactone & flutamide have, on occasion been used off-label to treat various forms of hair loss. Each drug comes with a host of potential side effects, and none has been approved by the FDA for the treatment of pattern hair loss.

Non-drug based Hair Loss Treatment Options

After the creation of HairGenesis(TM) a number of other products came on the market. Aside from HairGenesis(TM), none has been supported with a third party, IRB monitored, placebo-controlled, double blind study-- published in the peer-reviewed medical literature. For those wishing to see how HairGenesis(TM) is thought to compare to other hair loss treatment options, a review of the HairGenesis(TM) Comparison Page is encouraged.

Inasmuch as the bulk of this website focuses on the benefits associated with HairGenesis(TM), the numerous points in favor of HairGenesis(TM) treatment will not be reiterated herein. Two points are relevant to the present discussion, however, and will be concisely articulated.

First, the complex of naturally derived active substances used in HairGenesis(TM) have been shown to operate through pathways and mechanisms that are unique from one another, as well here as separate and apart from those within which drug-based treatments work. Suffice to say that this observation has presented a unique opportunity to develop HairGenesis into a "cocktail" treatment wherein formulation synergy would most likely occur.

In plain English, this means that HairGenesis(TM) has been designed to be greater than the sum of its parts.


In healthy well-nourished individuals of both genders, the most common form of hair loss is androgenetic alopecia (AGA), also known as pattern hair loss. These products also go by the term hair integration systems, wigs, weaves, hair pieces, toupees and many other names. Surgical hair restoration, commonly known as hair transplantation, exploits a phenomenon first described in the 1950's. By the same token, hair behind the leading edge that is not restored in a fashion that yields meaningful density (e.g. 1 hair per mm/sq) often fails to approximate a full head of hair. Because hair loss is progressive and relentless, it is possible that donor hair restored integrated into an apparently intact area of scalp hair may end up as an island of hair because the hair behind it continues to erode.

Outdoor Fun With Inflatable Bounce Houses



With summer around the corner it's time for parents to start thinking about ways to get their kids away from the TV and computer and outside for fresh air, exercise and fun. Unless your kids have a reason to venture outside they probably won't, preferring to idle the hours away with television re-runs, video games and social networking. If there is a giant, colorful bounce house in the front or back yard you may want to stay clear of the door as they rush to the carnival like amusement toy.

Bounce houses, also known as jumpers or combo jumpers are safe inflatable structures that provide hours of fun for kids of all ages. Available in a wide variety of themes and with options for obstacle courses, race courses and even water slides inflatable jumpers are one of the best outdoor toys you can find for occupying a young child's imagination.

Bounce houses and jumper combos are designed to withstand heavy use and the materials used are commercial grade and puncture proof so even big kids and adults can get in on the fun. Most bounce houses inflate in just a few minutes with a strong UL blower that can be placed at a safe distance from the structure with a long fill tube so it doesn't interfere with the action.

Large pillars are conveniently placed in strategic areas of the inflatable house structure to provide a sturdy and durable frame that won't collapse under pressure or weight. Many inflatable jumpers and combo jumpers come with instructions for assembly and even repair kits to do minor patch repairs on your own.

Inflatable jumpers are great for large families and any kid party celebration. Unlike swing sets, trampolines and other outdoor activity sets that need constant adult supervision to prevent injury bounce houses are much safer and when you keep the number of kids in the structure to a safe maximum there is very little you have to worry about in terms of injuries and accidents. Many bounce house sets feature high quality safety netting in open areas to prevent falls and the amount of air blown into to the structure is sufficient to prevent anyone from hitting the ground.

Bounce houses can be rented for day parties or purchased so you have a full-time indoor and outdoor play set for your kids. No matter what your kids are in to you'll have no trouble finding an inflatable jumper theme to match their interests including pirate ships, castles, jungle safaris, monster trucks, sports inflatables Cincinnati arenas and much more.

For great deals on bounce houses, inflatable jumpers and other fun kid party games go to Inflatable 2000 and get ready to let the good times roll.


If there is a giant, colorful bounce house in the front or back yard you may want to stay clear of the door as they rush to the carnival like amusement toy.

Unlike swing sets, trampolines and other outdoor activity sets that need constant adult supervision to prevent injury bounce houses are much safer and when you keep the number of kids in the structure to a safe maximum there is very little you have to worry about in terms of accidents and injuries. Many bounce house sets feature high quality safety netting in open areas to prevent falls and the amount of air blown into to the structure is sufficient to prevent anyone from hitting the ground.

Hire a Professional Painting Company to Save Your Home From a Bad Painting Job



If you think that painting a home is a simple affair, you can not be more wrong. If you want to save your home from a bad painting job, you must hire a professional painting company.

· No Unpleasant Financial Shocks

A professional painting company provides you with a detailed budget of the painting job. A comprehensive budget will help you to plan your expenses properly. It will aid you in avoiding any unpleasant shocks in the future.

· Meticulous Preparation

A beautiful painting job requires meticulous preparation. Sadly, inexperienced and amateur painters have no idea about preparation. If you hire a professional painting company, it will undertake the following tasks before painting your property:

- Understanding your requirements,

- Creating a detailed work-plan,

- Covering the fixtures,

- Protecting the furniture,

- Cleaning the painting area, etc.

· Wide Experience

A professional painting company will be experienced in working with different types of surfaces such as concrete, drywall, wood, vinyl, etc. A professional will fulfill your expectations accurately.

· Safety and Security

Are you worried about providing entry to a stranger in your home? A professional painting company conducts a thorough background check on each of its painters.

· Complete Home Restoration

If you hire a part-time painter or choose to paint the home on your own, you won't be able to take advantage of multiple services that a professional painting company offers to its customers. It is better to choose someone that provides painting services as well as renovation services. Employing an expert will enable you to obtain services such as:

- Drywall replacement,

- Ceiling restructure,

- Installation of wooden cabinets,

- Swimming pool restoration,

- Installation of electrical fixtures,

- Deck repair, etc.

· Accurate and Timely Results

A professional painting company has to maintain its reputation in the market. It ensures that its painters meet the deadline. You can be assured of beautiful results because it employs expert and trained painters who use quality products only.

· Benefit of Warranty

Even though hiring a professional painting company is costlier than choosing an untrained painter, it is beneficial in the long run. It is because it provides long-lasting results and offers one year warranty of the painting job.

Painting is often considered a simple job. But remember that proficiency, precision and patience are required to read more avoid a bad painting job. So, it is better to employ a professional painting company who can make your home beautiful.


If you want to save your home from a bad painting job, you must hire a professional painting company. A professional painting company provides you with a detailed budget of the painting job. If you hire a professional painting company, it will undertake the following tasks before painting your property:

If you hire a part-time painter or choose to paint the home on your own, you won't be able to take advantage of multiple services that a professional painting company offers to its customers. It is better to employ a professional painting company who can make your home beautiful.

Enjoy All the Perks of Condo Living



People usually think that condo living is expensive. Back then, condo living means your social status is high up the ranks. Today, the affordability of condo units is no longer an issue. The most attractive option would be to buy a condo unit if you want your own place but buying a house is just too much to handle. When hunting for that new nest, read on and discover the perks of condo living so you know what to consider.

One of the perks of condo living is that it requires much lower maintenance and upkeeping compared to a house and lot. You don't even need to repaint a condo because the management is also the one in charge of that. If you're busy with your career and you don't have the time to do normal chores done at home, a condo might be the right option for you.

Some people equate buying a condo to renting an apartment because you don't need to take care of the major maintenance issues. Being able to enjoy the same services provided by an apartment while having it as an investment is still one of the perks of condo living.

When you buy a house and lot, you get entitled to amenities like the children's park or playground, access to transport, access and use of buildings like the community hall and the church, security benefits, among others. When you buy a condo unit, you pretty much enjoy the same amenities with a lot more. One of the perks of condo living is that you get to technically "afford" amenities that you can not afford alone.

When you buy a condo, you may be able to afford a large space, say a 5000 square foot of space instead of a 5000 square feet home. When house hunting you might want to consider this part of the perks that go along with condo living.

Many condominium buildings today are very family friendly and are ideal for raising kids. Other than the facilities children can use, condo homeowners are assured of maximum protection as new condominium complexes today are quipped with the latest 24/7 security system.

6. SOCIAL LIFE TO THE Nth POWER. You usually have house warming celebrations to socialize with the neighborhood when you buy a new house. While condo living provides you with a more private life, one of the perks of condo living is that it allows you to socialize and fit into your condo community. Since most of condo buyers are usually young, independent people, you might want to enjoy socializing and gaining more friends in your Stirling Residences new condo!

There are many advantages of buying a condo - these are just a few. When house hunting, just make sure that you weigh the bad and good points properly. But of course, the perks of condo living are a standing offer and it won't hurt to consider!


If you want your own place but buying a house is just too much to handle, the most attractive option would be to buy a condo unit. One of the perks of condo living is that it requires much lower maintenance and upkeeping compared to a house and lot. When house hunting you might want to consider this part of the perks that go along with condo living.

While condo living provides you with a more private life, one of the perks of condo living is that it allows you to socialize and fit into your condo community. Since most of condo buyers are usually young, independent people, you might want to enjoy socializing and gaining more friends in your new condo!

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