The first ever scholarship in the history of American collegiate education was established by Lady Anne Moulson (born Anne Radcliffe,1576-1661) at the then newly formed Harvard University. In those days, the sum she offered was significant indeed a 100 pounds! Till today, her name lives on, for the much acclaimed Radcliffe College, founded as the women's annex to Harvard, is named after her. Going down the years, the very first student loan program was also instituted at Harvard University, in 1840. In 1862, the passing of the Morrill Act under which federally owned land was offered for the establishment of institutes of learning was another milestone in the history of American academia and was further supported by the Hatch Act of 1887. The Hatch Act diverted governmental funding to educational institutions for the purpose of establishing agricultural research stations. Another turning point in the history of scholarships offered in America was the passing of the GI Bill of Rights by President Roosevelt in 1944. Among other things, this Bill created an awareness of the widespread benefits to individuals and the society as a whole when a large number of people received exposure to higher education. In 1954, a collective of 95 colleges who were actively involved in evolving a system of assessment of students' needs for the dispersal of scholarship funds, refined prior need assessment models and developed the College Scholarship Services Need Analysis (CSS) which contributed significantly to the idea that a uniform system for assessment of a student's need for scholarships was essential in keeping alive the altruistic notions of offering scholarships in the first place. Post World-War II, there appeared a slight decline in the demand for government funding of education. However, the Soviet launch of the Sputnik completely altered the situation, for as is to be expected, there was an outcry about the inadequacies of the American education system. This is turn led to the passing of the National Defense Education Act in 1958, which gave a remarkable boost to the provision of subsidized education in all areas of higher education. The sixties saw the passing of the Economic Opportunities Act and the Higher Education Act, both of which further led to the widespread establishment of scholarship programs. Gradually the next few decades saw the emergence of several amendments to the Higher Education Act with the result that by the dawn of the millennium, students of diverse social, economic and demographic backgrounds, were able to benefit from quality college education. Many went on to become very highly recognized in their chosen fields.

Cough is rather a symptom than a disease. It is therefore important that coughs are not neglected. An occasional cough is good as it helps clear the air passages of foreign matter, insignificant infections, and other irritants. However, a persistent cough is not to be neglected as it is a symptom of some underlying medical condition which may be serious or insignificant. To help one decide, a cough is classified as a chronic cough if it persists for eight weeks or longer in adults and four weeks in children. If a person is showing any serious symptoms which demand attention, it is better to call a doctor as a matter of caution. A chronic cough can be caused by a cold with running nose, a feeling of liquid running down the back of one’s throat—nasal drip, hoarse throat, sour rising and sour taste in mouth—acid reflux, wheezing, breathlessness, and in rare cases coughing up blood. That last one is serious enough to demand medical consultation especially if copious quantities of blood are brought out. Home remedies like a warm saline gargle, steam inhalation, and the like should set right cold and running nose. Sometimes some antihistamines may be called for. Nasal drip, acid reflux, and wheezing and breathlessness are serious enough to warrant a consultation with a physician. As a general rule, coughs that linger for weeks, disturb sleep, cause tiredness, or interfere with work or school and bring up blood or colored sputum warrant a visit to a qualified health provider. Long duration smoking leads to a condition called COPD or Chronic Oppressive Pulmonary Disorder which generally consists of chronic bronchitis and in advanced conditions Emphysema. Chronic Bronchitis often causes colored sputum to be brought out during spells of coughing. In adults, a condition called Pertussis or a whooping cough is often missed to be diagnosed. Diagnosis is done by examining the history, a physical examination, and if required, by an imaging, lung function test, or an endoscopic examination and biopsy as per requirements. These will help the doctor to arrive at a definitive diagnosis and institute systematic treatment as required to cure a cough.

The launch of the Apple iPhone XS and XS Max saw a series of redefined features. With larger displays, immaculate camera specs, and advanced technologies, the iPhone XS and XS Max have undoubtedly gained a lot of popularity. Let us take a closer look at four of the striking features of the Apple iPhone XS. Display features like never before The iPhone XS is all about a larger screen and a bigger canvas. The 5.8-inch screen comes with Super Retina custom OLED display. Both the iPhone XS and XS Max are perfect for those who love a larger screen for watching movies or playing games. Moreover, the customized OLED comes with an HDR display that offers the industry’s best color accuracy, along with amazing brightness and contrast. Camera with added specs With the dual-camera system, you will be able to get your hands on the next-gen photography and experience high-quality photos and videos. The dual-camera system assimilates the Neural Engine, the ISP, and cutting-edge algorithms and helps you discover new possibilities when it comes to clicking stunning pictures and shooting videos. One of the key technologies of both iPhone XS and XS Max is the Smart HDR. The Smart HDR brings together multiple technologies such as an enhanced ISP, advanced algorithms, and faster sensors, and it offers heightened shadow detail and highlights to the photos. Moreover, the adjustable depth of field lets you take amazing selfie portraits, and you can also personalize the depth control. Face ID – security got simpler and safer The Face ID uses the next-gen machine learning adaptive recognition that recognizes changes in appearances as well. This simply means that whether you have your glasses on or not, the Face ID would recognize you and unlock the phone or any app. Moreover, new algorithms, coupled with the cutting-edge Secure Enclave, make the Face ID faster and more secure. Now you can unlock various applications without typing the username and password and simply by using the Face ID. The TrueDepth technology in the camera system works in real time to instantly recognize your face and unlock various applications and the phone. The A12 Bionic chip – the most powerful in a smartphone Talking about incredible performance, the A12 Bionic chip with the advanced Neural Engine lets your smartphone operate faster and smarter. One of the most powerful chips in a smartphone, the A12 Bionic chip uses real-time machine learning and helps transform your experience. Whether it is gaming, photos, or augmented reality, the A12 Bionic lets you get a redefined user experience.

If you are looking at buying Easy Spirit shoes that are a household name in women’s footwear, then know that the brand has its products distributed through various retail outlets and online stores. Although multiple stores are offering the products of this particular brand, some of them may offer the shoes at a lesser price compared to others. So, you may find the same shoes at a rather affordable price. Here are some of the online and physical stores that are known for selling Easy Spirit shoes at attractive prices: Macy’s This is one of the most popular stores that always finds a way to give the customers the most value for their money. Out here you shall find a great variety of products offered by Easy Spirit Shoes. Even if you do not have a Macy's store in your area, it is not a problem as you can purchase the Easy Spirit shoes from Macy's online store and have the product delivered to your place. The store is well known for its seasonal discounts and clearance sales, so if you want your shoes at an affordable cost, stay on the lookout since Macy's offers shoes from this brand at jaw-dropping discounts. Moreover, you may receive free shipping and delivery upon a minimum purchase order if you reside in the US. Walmart Who hasn't heard the name of Walmart? This is one of the pioneering retail outlets in all of America. The store comes up with innovative offers every year and offers exclusive sale offers and combo offers on various products. Easy Spirit shoes are no exception when it comes to lower than actual price deals, especially during the festive season. The store constantly updates its collection of shoe designs with fresh arrivals and always maintains a good stock of shoes from this brand. If you want your items delivered to your doorstep, you can simply go online and visit the official website of Walmart and purchase your favorite pair of Easy Spirit shoes. Your item will be delivered to your doorstep within no time. The end of season sale is live at times, and various sneakers and boots are up for grabs such as the Easy Spirit Tour Run Round Toe Synthetic Running Shoe which is available for a price ranging from$19.99-$23.99. eBay This is another popular and highly preferred online store that sells Easy Spirit shoes at an affordable cost. The store is one of the first and largest online retail stores in the world. eBay ships all across the US with lightning fast delivery with the free delivery option on eligible orders. The online store also ships overseas with a nominal postage and courier charge. The online store has a wide selection of Easy Spirit shoe designs available in all sizes, and the advantage of purchasing from outlets like eBay is that you get budget-friendly options available at customer's disposal. If you are into purchasing shoes on a meager budget but do not want to compromise on quality, then this is the store for you. Since it is eBay, you will also be able to make bids on the pair of shoes that you want, and if your bid is the highest, then the product will be yours. The store offers a well-rounded shopping experience since it offers the customer, every kind of product such as shoes, clothes, CDs, DVDs, perfumes, watches and many other at lower than the actual price. If you are on a really low budget, then you also have the choice of purchasing pre-owed Easy Spirit shoes. Having known about budget stores, now you can choose the store you like best and get your hands on your favorite pair of Easy Spirit shoes at an enviable price tag.

Luxury cars are rich in in-car experiences. There are many car manufacturers such as Land Rover, Jaguar, and Volvo offering high-end luxury cars like Mercedes-Benz, BMW, and Audi. There are other very popular luxury car brands such as Porsche, Bentley, and Maserati. There are brands that make relatively affordable cars. They are Toyota, Volkswagen, Hyundai, and Skoda. Acura TLX The predecessor of Acura 2016 TLX sedan came in TL and TSL models. The sedan much like old TSX and is available with Acura’s Super Handling All-Wheel Drive system like found in previous model TL. The 2016 Acura TLX comes in two variants: 4-cylinder and V-6 engine. It comes with both front-wheel and all-wheel drive. Last year, 22,037 TLX were sold in the America. BMW 4 Series BMW last year sold almost 21,462 BMW 4 Series. It has a turbocharged 4-cylinder engine that is standard and an optional upgrade of turbocharged 6-cylinder is also available. There is All-Wheel drive available. BMW’s M performance tuning can only be found in the M4 Convertible and M4 Coupe. Mercedes-Benz E-Class It is E-Class range of mid-level luxury automobiles. It comes in coupe, sedan, convertible, station wagon and an array of Turbocharged 4-cylinder, V-6, and V-8 engines. It is All-wheel drive type. Both the sedan and wagon are available with AMG performer tuning. It is also available in a diesel engine. In 2016, an estimate of 20, 995 Mercedes-Benz E-Class were sold in the U.S. Lexus IS The well-styled Lexus IS is manufactured as an entry level luxury sports sedan. It comes with turbocharged 4-cylinder or a V-6 engine that comes linked with rear-wheel drive. It also comes with a V-6 engine and all-wheel drive. The F sport option help IS appearing sporty. In 2016, 20,560 Lexus IS were sold in America. Audi A3 Audi 3 is entry level sedan available in convertible, sedan and hatchback. Engine types is three turbocharged combined with all-wheel drive and front-wheel drive. It is mated to dual-clutch automated manual transmission. The hatchback version is linked with Audi’s plug-in hybrid powertrain technology. It supplied up to 16 miles of pure-electric driving and 204 of combines horsepower.

Property prices are eternally on the rise. Therefore, the demand for home loans is almost always high. To get a home loan, seekers must maintain a good credit score and overall loan repayment behavior. These criteria may seem simple, but fulfilling them becomes challenging for several loan receivers. Due to that reason, many people find it challenging to get conventional loans approved. Pre-approved FHA home loans are the solution for such situations. What is an FHA home loan? The Federal Housing Administration (FHA) approves and backs these loans under the jurisdiction of the Department of Housing and Urban Development. Although the FHA pre-approves these home loans, private lenders provide the money directly to loan seekers. These lenders can be credit unions, banks, or even some nonbanks, such as online lenders, who are FHA-backed and licensed to be part of the partnership. FHA home loans are known for their low down payment and interest rates. Usually, first-time home buyers and people with credit payment challenges opt for these loans due to their accommodating and lenient nature. While the federal government does not directly issue FHA loans, it pre-approves and insures them to safeguard the private lenders who offer them to home loan seekers. The insurance bit comes in handy for the lenders when people who take these loans default on the repayments. FHA home loans help buy or refinance several types of homes, such as two-to-four-unit multifamily homes, condominium units, single-family houses, and precisely manufactured homes attached to permanent foundations. While people who receive this loan can use it to build new constructions or renovate existing homes, all properties built using them must undergo FHA appraisal. Requirements to get an FHA home loan Individuals looking to receive an FHA home loan need to tick certain boxes, such as: The loan will only be provided if the home being built or bought is a primary residence and not a second home or an investment property. As specified earlier, the home built or bought with FHA home loans must be appraised by an FHA-approved appraiser beforehand. Loan seekers will have to let FHA officials inspect the property. After the evaluation, a report can be created regarding the same. This report will contain detailed information about whether the home meets minimum property standards. Apart from these, aspects of the loan, such as the down payment amount, credit score, mortgage insurance, loan limits, and income requirements, will also be carefully considered before the loan is handed out to seekers. The FHA holds the authority over the approval or rejection of these loans. Also, this body can add or remove criteria for specific scenarios. Process of getting an FHA home loan The loan criteria is only the tip of the iceberg when it comes to FHA home loans. Here's the complete process of how these loans work: Show valid documents to confirm that loan seekers meet the minimum requirements, which include a credit score of at least 580 (which is comfortably lower than the 620 that most banks demand in return for conventional home loans), proof of income, records showing no recent bankruptcies, residential address, social security details, and other personal information for verification purposes. The second step involves choosing an FHA-approved lender to receive the money. Lenders need to have experience in loan origination, possess licensing in each state the lender serves, have a positive net worth, have a bond, a completed application and incorporation papers, and maintain detailed credit reports for loan officers as well as the lender themselves. While looking for lenders, loan seekers can compare terms, rates, and fees each lender offers before zeroing in on one. Individuals looking for FHA home loans can also consider factors such as the lender's customer service, physical location, and typical customer. The next step involves applying for and getting pre-approval from the FHA for a loan. A Pre-approval is the process of a lender reviewing loan-seekers financial documents and credit history before letting them know about their eligibility for an FHA loan. While pre-approval does not guarantee the reception of a loan (there needs to be a further evaluation before that), it speeds up the process. The subsequent step is to provide documents and officially apply for a loan. That includes submitting the following information: income sources, income amounts, housing expenses, details about previous and current employment, and recurring debts. The next step involves property inspection and appraisal by a certified FHA appraiser. After this, the FHA will perform the underwriting and approval of the loan. The final step involves signing the loan documents and paying the closing fees and costs of the lender and FHA's services. Benefits of FHA home loans Low creditworthiness requirement As alluded to earlier, the credit score requirements to receive these loans are much lower than that of conventional loans. This alone makes it easier for people with less-than-perfect credit history (a large majority) to get the loans to build or buy the house of their dreams. Low down payment While receiving FHA loans, one can access financing for their home with only 3.5% needed as a down payment. This figure is considerably more affordable than the 20% figure that most other loan providers demand from seekers. Low DTI requirements A person's debt-to-income (DTI) ratio compares their monthly debt to their income. There are many people who earn low incomes and have inherited huge debts from their families. For such individuals, the low DTI requirements of FHA home loans are a welcome relief while looking for financing or refinancing avenues for their houses.