Whats up guys, hope youre having an awesome day wherever and whenever youre watching this! Im your host Ayman Hasan and welcome back to another video here at most amazing top 10. This is my favourite series that i have filmed by far. Illegal games, very bad but sometimes very fun. As a gamer myself i know there are some pretty messed up games out there but everytime i make one of these videos im always enlightened and surprised at how screwed up some of them can be.
And then im like who even comes up with these? But anyway enough of me lets get into it, this is the Top 10 Games That Are Illegal to Play - Part 3. Starting us off with number 10 is Valkyrie Drive: Bhikkhuni. So this game was developed by Meteorise for the playstation Vita and was first released in Japan in 2015, and then worldwide the following year https://apsisgame.com/binions-casino-slot-strategy/. The game focuses on the island of Bhikkhuni in which all the girls are infected with the VR virus. The only way to cure the virus is to fight over and over again so they can control their abilities. And theres two types of girls, Extars who can transform themselves into weapons when theyre sexually aroused and liberators who can wield these extars when theyre in their weapon form. The gameplay has 2 phases the adventure parts and the action parts and during the fighting sequences the girls work in pairs to defeat enemies and sometimes doing strong special moves can tear off the clothes of your partner or your enemy. The Drive part of the game is when both girls combine forces during weaponization so a sexy cut in will appear and they touch other explicitly for a bit and then boom weaponization. Theres even a boob ranking system in the game. You can also grope and undress other girls in the dressing room if you want to. The game ended up getting banned in many countries like Iran, Pakistan, China, Russia, Germany, Kenya, Saudi Arabia, the UAE, and New Zealand for glorifying sexuality, homosexuality, just all around sexual content, sexual content involving minors and promoting immoral values. They also werent happy with the fact the two main characters, sisters Ranka and Rinka have an incestuous relationship of sorts. I mean so yknow get where theyre coming from there. Source: https://gematsu.com/2015/03/valkyrie-drive-bhikkhuni-gameplay-and-characters-detailed . Coming in at number 9 is Wolfenstein 3D. So Wolfenstein itself is a World War II themed series and its actually sort of legendary because it really helped popularise first person shooting games even though now thats basically the norm. People have gone as far as to say COD wouldnt have existed had this game not come out. Now Wolfenstein 3D was the third game in the series and it was released in 1992. And honestly the game is pretty simple you play as an allied spy and you have to escape Castle Wolfenstein. Many of the games are banned in Germany for obvious reasons mainly the Nazi references and high impact gory violence and the 8th game in the series was also banned in the UAE for interactive sex scenes. I love how this is a series focusing on World War II like there is so much content you could put in these games yet they found the time and somehow managed to include an interactive sex scene. It was a necessity clearly. Source: https://www.makeuseof.com/tag/top-10-video-games-banned-somewhere-in-the-world/ https://en.wikipedia.org/wiki/Wolfenstein At number 8 we have The Dead Island series. Dead Island is a survival horror role playing game developed by Techland and it was released back in 2011. You can play it multiplayer or alone and the game centers around a zombie filled open world and there are 4 playable characters to choose from and the aim of the game is the escape the island of Banoi that you are on. Definitely would not like to be on a zombie infested ISLAND thank you. Most of the game is about combat and finishing your quests, you can earn XP when doing so and then level up. The first half of the game only has melee weapons for you to use but the second half has some firearms but either way the weapons are displaced all over the world and are randomly generated. Some zombies are stronger than others, some have special abilities, so you have to look out for everything and make sure your stamina bar doesnt deplete otherwise. The game was banned in Germany, Japan and the UAE for extreme depictions of high impact gory violence and scantily clad characters. There was also controversy around the Purna character who has an unlockable skill dubbed Gender Wars which lets her do more damage to male opponents. During development she was called the Feminist Whore and although it was edited out for the final release you can still find it in debug code on the computer version of the game.
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Awe-inspiring scenery, vibrant cities and a welcoming atmosphere all make Canada a popular tourist destination. As the largest country in North America, Canada is a vast land encompassing majestic mountains, virgin forests, spacious prairies and Arctic tundra. While much of the nation is of British and French descent, Canada is home to a mosaic of multicultural communities. Here's a look at the best places to visit in Canada.
Number 10. Calgary. The largest city in Alberta, Calgary is situated between the Canadian Prairies and the foothills of the Canadian Rockies. After oil was discovered nearby in the early 1900s, Calgary boomed into what is now one of Canada’s largest metropolitan areas, attracting thousands every year to its world-famous rodeo event, the Calgary Stampede. This Old West celebration is held over ten days in July with rodeos, chuckwagon races, parades, competitions, crafts and food top online casinos usa. Number 9. Ottawa. Located at the confluence of the Ottawa, Gatineau and Rideau rivers in southeastern Ontario, Ottawa is the capital of Canada. As the nation’s capital, Ottawa is home to many financial, commercial and federal establishments including Parliament Hill, the government seat where the ceremonial Changing of the Guard takes place daily during the summer. Running right through the heart of the city, the Rideau Canal is Ottawa’s star attraction. In winter the canal becomes the world’s largest ice skating ring. Number 8. Whistler. Thanks to a couple of spectacular mountains called Whistler and Blackcomb, the Whistler resort is the largest and most famous alpine ski destination in North America. Located in the Coast Mountains of British Columbia, Whistler is a two-hour trip from Vancouver along Canada’s most scenic drive, the Sea-to-Sky Highway. At the base of the two mountains are three quaint villages, Whistler Village, Creekside and Upper Village. The Peak 2 Peak gondola transports visitors from the villages to the mountains. Number 7. Vancouver Island. Vancouver Island, named after the British explorer George Vancouver, is the largest island off the West Coast of the North American continent. Located across from Washington State, it is accessible by ferry through the San Juan Islands from Anacortes, from Port Angeles on the state’s Olympic Peninsula, or from Vancouver on mainland British Columbia. Vancouver Island is famous for the quaint city of Victoria, the gorgeous Butchart Gardens, the surf town of Tofino and the wilderness in the north, where one can catch a ferry to Prince Rupert, and another to Alaska from there. Number 6. Quebec City Quebec City may be the capital of the Quebec province in eastern Canada, but its French heritage, architecture and language make it appear more like a charming European village. Perched on a hill overlooking the St. Lawrence River is Vieux Quebec, the city’s historic district. A walk along the cobblestone streets of the Old City offers encounters with attractions like the Citadel and the Place-Royale, the area where explorer, Samuel de Camplain, established the first North American-French settlement. For us people from the tropics, snow is just magical. I saw snow for the first time when I was a kid, I used to live in Germany when my dad played for the Bundesliga, but after that I didn't see snow for years, for over 20 years. The next time I saw snow was a couple years ago, when I traveled to the Swiss Alps on a business trip. I had to keep my cool about it... and I completely failed. This year we decided to travel to Vancouver so that my daughter could see snow for the first time.
Welcome to Canada! So we arrived into Vancouver about an hour ago. Freezing. We haven't rented a car yet. And it is my duty as a parent to go out and hunt for food. Go ahead, ask me I have any Canadian dollars. We're in downtown Vancouver now. That thing back there is a mall. We are going to the mall, today. Robin Sparkles: Let's go to the mall everybody. I'm sorry I had to make that joke. Pao is feeling sick today so Eva and I are visiting the aquarium. Supposedly this is one of the best ramen in Vancouver. Let's try it out. That was pretty good. Actually, great! Today we are visiting the Greenville Island... Grenville? Granville? Granville Island public market, which is the largest public market in Vancouver. We always like to visit markets when we travel, because it gives you this chance to see what (usually) the locals buy and shop and enjoy. It also lets you sample tastes of different local foods, and bakery and stuff like that... Barely made last call of Café Medina, which is a famous brunch spot in downtown Vancouver. We had belgian waffles with real canadian maple syrup. I don't want to see or hear about Aunt Jemima ever again. Pao has insisted in us trying Poutine. Let's see if the hype is real. Unpopular opinion time. I don't think Poutine is calorie worth it. What does that mean? It's like donuts. I don't think that donuts are calorie worth it. What I mean by that is, there are so many calories in donuts and in Poutine, it's disgusting. It's not worth it compared on how tasty they are. Compare that to Pizza for example, Pizza is delicious and it's totally calorie worth it; like a hamburger. But not Poutine. We're driving to Luis' place tonight. You might remember Luis from a previous video. Luis and I went to college together. He's been living here in Vancouver for about 7 years now. He moved from Costa Rica to work on an animation studio, he worked on the Angry Birds movie! They invite us for dinner tonight, and tomorrow we are all going together to Whistler and Pemberton. I love skiing, I've done it like twice, but I love it. But it's kind of expensive, and I don't think that a kid would enjoy it as much. A tube park is just $20, two hours of kid friendly fun, and that's what we are here for. I also have to talk about this awesome Airbnb where we're staying. It's this little potato farm outside the town of Pemberton, near Whistler which is a larger ski town. It's not only surrounded by these amazing mountains, and the house has a chimney and it's super spacious, but the best thing, is that there's a brewery just next door. You just can't help stopping by. We got talking with Bruce last night. Bruce and his family own the brewery that's next to the house. Such a great story. They started the brewery about 6 months ago, they've been potato farmers all along, then they started growing barley... it's become a destination in Pemberton where people come from Vancouver just to have beer at the brewery. They were super nice, their house was great, and it's one of the best Airbnb experiences I've ever had. I'm sure Luis and Adelina are gonna come back soon. So by a fantastic coincidence as were coming back from Pemberton, we came across one of the rare snows in Vancouver. It doesn't snow in the city over the winter, maybe 4 or 5 times per year. We say goodbye to Canada, which was an amazing experience. Thank you for watching. Leave me a comment with your thoughts. Hit that subscribe if you liked it. I'll see you in a couple of weeks. What's up guys! I spent the last 4 days at the Rocky Mountains in Canada and these are my 10 ultimate tips in Alberta. Now before you head out to the Rockies drop by a couple of places in Calgary. First thing you should get when you get right off the plane is a Tubby dog. Tubby dog is the most famous hot dog restaurant in Canada and includes this neat little arcade.
I ordered the most ridiculous thing on the menu Sherm's Ultimate Gripper. I've seen some crazy things but this is the biggest heart-attack meal I've ever seen. How am I gonna eat this? Oh Shit! No not the egg! Right so this is the Tubby Dog. Oh my god That is a mess, but it's awesome The Calgary trophy right here. So this sucker consists of a piece of ham, egg, onions, jalapenos, chili sauce, and a bunch of sauce. After this giant mess I move on to Calgary's most famous landmark: the Calgary Tower which has a great view of the city with the Rocky Mountains in the far distance and includes this glass floor. Let's see how strong his glass is. I drove to Tunnel mountain in Banff to meet up with my friends from Holland They were exploring the Rockies in their RV so I decided to tag along. An RV is a home on wheels. Our motorhome come and take a look. I'll be sleeping over there tonight. Yep! What's that? Yeah! Emergency escape. Go get your pillow in. Nice and soft! Oh! Look at this. When you take a crap. No Canadian wilderness adventure is complete without some wood chopping Barbecue ten in Canada with a few local brewskis. Right so we're here in Banff and this is a local brew. Approved. It's a nice crisp beer, the powder hounds Whoo! All right all jokes aside time to prep for a long day at Canada's number one coffee spot Tim Hortons! Yummy. I've got a farmers breakfas wrap. Spicy! Next up the Banff Gondola which will take you to the top of Sulphur Mountain. Gondola tickets will set you back 40 bucks per person. Now this is the lineup for the washrooms. So we're walking now on top of Sulphur Mountain What do you think so far? Yeah it's beautiful. Breathtaking? Breathtaking! We have arrived at the highest peak on Sulphur Mountain. Samson peak is absolutely a must see in Banff. Step it up a notch with a helicopter tour of the Rocky Mountains. Get on the chopper! At 200 bucks a pop it's a bit pricey but well worth it for this insane view of the Rocky Mountains. We even get to see the river which was the film location of the movie The Revenant! Go explore Banff, a cute little tourist village with many local shops and very friendly people and make sure to try the famous Canadian beaver tails. Obviously you cannot visit Alberta without dropping by Lake Louise. As you can see it's an absolute gorgeous day, we're very blessed. The most beautiful place in Canada where I completed a 11 hour 20k hike and almost fainted! Plus we witnessed a massive avalanche. Oh we just caught an avalanche! Wow! The full length video of this place will be released on my channel next week. Definitely drop by the Banff Upper Hot Springs. Holy smokes! The water is heated at 40 degrees, thus a great spot to ease your sore muscles after a long day of hiking. Admission to this place is seven dollars and thirty cents and has a stunning view of the Rockies. As a bonus you can check out this hidden secret near Canmore called Whiteman's Pond, another stunning place in Alberta. And that's it for my recommendations in Alberta. Please help out my channel by giving this video a like and make sure to subscribe for next week's episode from Lake Louise! Also I took some magical photographs go check them out on my blog, Reformatt.com Thanks again for watching guys and see you next week! And don't forget to add me to Twitter and Instagram for behind the scenes content No don't leave me! Don't leave me buddy! What are you doing there buddy? Oh is that your house? I found your house buddy! Belying, its exotic moniker, the site that became Hawaiian Gardens, was originally a marsh that local farmers called “ the Delta ”. According to the city's official history, The Delta drew a steady stream of locals and passing travelers looking to water, their horses at its murky pools and in 1927, an entrepreneur — whose name is lost to history — erected. A roadside food stand to serve them Advertisement. It was, by all accounts, a modest structure at the corner of present-day Norwalk Boulevard and Carson Street, consisting entirely of a bamboo shed and two outhouses, The proprietor draped them in palm fronds and dubbed the place Hawaiian Gardens As a dining experience.
It may have been wanting, but its alluring name and appearance proved effective at drawing thirsty, farmhands and cowpokes. It may have also helped in those days of Prohibition that the Hawaiian Gardens was said to have a ready supply of bathtub gin for those who wanted to take the edge off the dusty ride home from the Delta Advertisement. The restaurant eventually closed, but the name stuck bequeathing. What was then a literal backwater with an appellation that described exactly nothing about it. Granted the people of the little burg, which had only one paved road through much of the 1900s, had little else to hang their hats https://oncasinogames.com/blackjack/. On A regional oil boom briefly drew the interest of speculators who hoped that the Gardens harbored petroleum deposits, ( Los Angeles Times ). They snapped up acreage at exorbitant prices only to see land values crash when it became apparent that Hawaiian Gardens was one of the very few places in the Los Angeles Basin. Without oil Advertisement, The prospects for the town seemed dire, but the stock market crash of 1929 unexpectedly gave the area new life Desperate settlers from across the West scraped. Together, the 10 bucks needed to buy a lot in Hawaiian Gardens and the population began to grow After staving off annexation. Attempts by Artesia Long Beach and Lakewood Hawaiian Gardens incorporated in 1964 and set about paving roads, building a water and sewer system and generally bringing itself into the 20th century. The new city — at one square mile, the smallest in Los Angeles County — found that its independence came at a cost, as its lack of commerce and a meager tax base made keeping the roads paved an increasingly dicey proposition In 1997. The city struck a deal that allowed for the construction of a casino in exchange for jobs and tax revenue. The Gardens Casino is now by far the city. ’ s largest employer and revenue driver Neighborhood highlights Poker night in America. There are no one-armed bandits in the Gardens Casino, but for poker fans looking to live close to a card room, Hawaiian Gardens fits the bill, A full (, affordable, ) house, As is the case with many of the Gateway Cities. Hawaiian Gardens offers some of the lowest home prices in the basin Parks and rec. Hawaiian Gardens has only one park, but the city is next to the massive El Dorado Regional Park, which offers a variety of recreational activities. Advertisement, Neighborhood challenges All in Cities that rely on a single employer are one corporate bankruptcy away from disaster, and when that employer is a casino with a checkered past, things become even more problematic. In 2016, the Treasury Department assessed the casino $ 2.8 million for various infractions and in 2000, a state legislative committee accused the owner and then-city officials of misusing redevelopment money, Expert insight, Peter Shaw of Power. Realty & Investments has been selling real estate in Hawaiian Gardens since 2011. He said the city sees little new development because of its density, save for one massive exception: the dramatic 2016 overhaul of the Gardens Casino “. It was definitely an economic booster for the community. ” Shaw said: “: It brought in a lot of work, ” The casino underwent, a $ 90-million expansion, growing from a 60,000-square-foot tent to a 200,000-square-foot compound with a restaurant bar and 225 gaming tables The casino funds, roughly 70 % of the city. ’ s general revenue, which Shaw said the local government has used to renovate dilapidated buildings and help local businesses In terms of housing. He ’ s noticed that properties are languishing on the market longer than they used to For prospective buyers. That means a wider variety of options: Market snapshot In the 90716 ZIP Code based on two sales. The median sales price for single-family homes in September was $ 433,000 up 14 4 % year over year. According to CoreLogic Report card, All four public schools in the Hawaiian Gardens area scored above 700 on the 2013 Academic Performance Index. Ella P Melbourne Elementary scored the highest at 812, followed by Venn W Furgeson Elementary at 798 Hawaiian Elementary and Pharis F, Fedde Middle scored, 751 and 729 respectively Times. Staff writer Jack Flemming contributed to this report. CHARACTER PORTRAIT OF CANTERBURY TALES written by
juliana2016CHARACTER PORTRAIT OF CANTERBURY TALES The Canterbury Tales is a collection of stories written by Geoffrey Chaucer in 14th Century. Some of these stories are original and some are fictional, with serious tone as well humorous ones. These tales narrows down the traits and faults of human nature. The Canterbury Tales is a compilation of stories told by a group of twenty-nine persons during their journey from Pilgrimage to Canterbury. The diversity of these stories shows the diverse characters participating in the pilgrimage.Geoffrey Chaucer made it quite clear that he is also the character in his book. He is the narrator, who writes down his impressions of the pilgrims from memory. The character analysis in each story demonstrates the complexity and diversity of human nature. The Pardoner: In this story pardoners are those who have been granted papal indulgences. They are reprieved from atonements in exchange for charitable donations to Church. Chaucer narrates that his pardoner is well read and significantly astute. He stated that his pardoner exceled infraud. He uses the holy objects from the church as tools to profit personally He claimed to have the veil of the Virgin Mary. In his books Chaucer tells us that, among his relics, he's carrying a jar full of pig’s bones, and that he's able to cheat a poor person out of two months' salary. The Wife Of Bath: In this story Bath is not a name of a husband. Bath is an English Town on the Avon River. The wife in this story is a seamstress by occupation, but she acted like a wife. She loved marriage and sex, and had been married five times with many other affairs. The narrator describes the Wife of Bath as headstrong bold woman of her time, she showed off her Sunday clothes. Her clothing symbolized that she is neither timid nor shy in her nature. The gap between her front teeth made her attractive at Chaucer’s time. The Narrator: Chaucer himself made it clear that he is the narrator in his book. The narrator in this book is a naïve character, although being accused of sullen by his Host. The book shows that the narrator writes down the impressions of character according to his likes and judgments. The Knight: The first tale in this book represents the knight. The knight presented himself as the most prestigious person on the pilgrimage. He fought many battles (religious of sort) and was considered as the ideal of man-at-arms. The narrator described him as brave and prudent. The Miller: The description of the Miller is shown as a kind of disgusting. He is huge with wide black nostrils, a red beard and a big mouth. He has been described as huge and strong, who always won at wrestling matches. The story shows that he seems to enjoy the threatening and ruining. He is lustful in nature and tells the tales of blasphemous in nature. He is described as “all brawn, no brains.” Like the Wife of Bath, the Miller’s character is also shown as scandalous and stereotype. For millions of Americans each year, the need to go to college is evident. Whether they are fresh out of high school or graduated from high school when their potential classmates were just born, more and more people are making the decision to go to school now more than ever before. For a lot of people, especially younger students, the want of attending a university far away from home is there simply so they can party, while for a lot of people, especially non-traditional students, staying close to home or taking classes online is needed.
This is one of those debates that will live on for ages, but what is the best environment for you, learning on campus or in front of your computer? What are Benefits of Each? It doesn't matter which method you think you would prefer or what has worked for friends, there are various reasons why each might work best for others and not you. Among the benefits of taking classes online is the ability to work at your own pace and on your own schedule. Yes, you will still have deadlines and required papers like you would with an on campus class, but you don't have to block out those several hours each week and be forced to attend class. The only way you can pass is by logging on to the class website and completing the required work, but if you work multiple jobs and can only work on classwork during your lunch break, this helps you. Another benefit of taking classes online, especially for non-traditional students, is the ability to further your education without having to worry about taking classes with kids half your age. While that isn't the worst thing in the world, there are some kids who are disrespectful to older students and this would be your way to go back to school and get an education without being harassed. Some of the benefits of taking classes on campus are getting the real college feel of attending classes, parties, and other activities, ability to discuss the topic with the class, and the ability to get immediate feedback from classmates and professors. For students who care about their progress as they attempt to learn and retain information, there is immediate gratification from hearing others agree or even disagree with you. That is something you can't get by taking classes online. What are Disadvantages of Each? For those looking to venture off to school on campus, there are many disadvantages that come about. First and foremost, unless you live on campus, you will need to drive there each day. That extra gas expense can lead to having to work full time on top of a full time academic schedule, which could be too much for some to handle. On the flip side, at least when the weather is bad, you won't need to drive to school if officials decide to cancel classes. For those students taking online classes, there is no campus for anyone to drive to, so if the weather is bad, you still need to complete your work. Another difficulty for those taking classes on campus is the need to keep up with the class. For those who don't learn as quickly as others, you will need to pick up the pace to keep up with the progress and that could set you back further. The biggest disadvantage of going to school online is you won't be able to make those same connections with your peers that you can in person. College friendships are meant to last a lifetime, but it is difficult to make those connections through email. How to Judge What is Best For You? When the time comes to decide what class is better for you, you need to look at yourself and your own personality. If you are an outgoing person that doesn't have a full time job, you might as well go to school on campus and create lasting friendships. If you work 60 hours a week and aren't as worried about making those connections, online classes are your best bet. Either decision you make, be sure you enjoy what you are doing. I hope this article will help at least someone to decide what is best for him or her. Tell me know in the comments section what works for you or if you are currently studying, what did you choose, online classes or on campus, and why. Thank you. More details about campus life use service as a mean to improve your college writing skills alongside with Peer Proofreading and On-campus Writing advisory, find more on student essay checker blog. Students often struggle with the basics of constructing a written argument. “Students would come to writing instructors with the critical thinking skills,” Oli Raw says, “but they didn’t understand how to put their thoughts into a structure, or vice versa.” How Much Does Grad School Cost?
Graduate school can be extremely expensive, which is one of the main reasons that some people choose not to go. Although completing a grad program can help you improve career prospects, develop new marketable skills and provide substantial boosts to your income, the up-front cost of graduate school is still a major barrier to entry for some students. During the process of selecting a graduate program, make sure that you complete enough research to accurately estimate the cost of grad school. Factor expenses like tuition rates and financing options into a formula that you can use to help determine which schools you will actually apply to, based on the affordability of their programs. Look to decrease your graduate school costs by leveraging assistantships, scholarships, grants or other forms of financial assistance, but remember that most of these streams of financial assistance are not guaranteed. When figuring out how much graduate school costs, don’t forget to factor in living expenses like gas, food, rent and other expenses when putting together your total estimate. To help you find out how much graduate school costs we’ve put together this helpful guide. Following these simple steps will allow you to determine an accurate price of graduate school programs you’re interested in applying to, as long as you make sure to include each of the following elements as line items in your calculations: Tuition Costs Take a close look at each graduate programs tuition rate information. Typically, you can find tuition rates by credit, by the hour, or by program on a school's website. First off, you’ll need to find out how long it will take to complete the graduate program you intend to apply to, so that you can determine total tuition costs to earn your degree. Secondly, look for protection from inflation by finding out if the school offers a tuition guarantee which will protect you from having to pay higher tuition rates each year as the costs increase. Don’t assume that tuition will remain flat, as tuition rates for professional programs have jumped by 60% in the last decade alone! Compare and contrast the tuition rates of graduate programs you’re considering to see which one best fits into your expected budget. Tuition is likely to be the biggest factor in determining whether or not you can afford graduate school, as it will be the bulk of your educational expense, so be sure that you know exactly what the total tuition price will be before you move on to the next step. School Fees Some schools levy fees on top of tuition expenses, with costs associated for things like parking spaces, library access, graduation ceremonies, receiving a copy of your degree and other administrative line items that can add up to hundreds or even thousands of dollars per year. Make sure that the school you’re planning on attending isn’t pulling a bait and switch tactic to reduce the appearance of their costs by offering a low tuition rate, but piling a ton of fees and other hidden expenses on top of it. Virtually every grad school will levy fees for administrative costs like printing transcripts, mailing things, and allowing you to apply for their programs, but some try to nickel and dime their way into profitability. Don’t bleed your bank account dry by attending a school that has too many associated fees. Textbooks Although some scholarships and grants do exist specifically to cover book costs, many graduate students are forced to completely fund their textbook costs on their own, and these are not trivial expenses. Books may not sound like they would cost that much, especially if you haven’t been to college in a while, but if you’ve recently come from an undergraduate program then you’re likely well aware that the price of books for each class can easily (and most likely will) top $100. Graduate school textbooks are virtually guaranteed to be substantially more expensive than books you’d read for pleasure, so don’t neglect to factor their expense into your estimate of graduate school costs, or you could be caught blindsided when it comes time to actually paying for them! Equipment Costs Depending on the subject matter of your studies, don’t forget that you could be required to purchase other necessary course materials like a laptop, computer software, advanced calculator or even chemistry supplies which will significantly add to the cost of your graduate program. These expenses can add up pretty quickly, especially if you require technical equipment or sophisticated computer software, so make sure to include the projected costs for any related equipment while planning out your budget. If this particular line item ends up being the one that drives your program costs out of reach, look for need-based scholarships and grants to cover their expense. Living Costs Living costs can be one of the most expensive elements of attending graduate school, especially if you choose a graduate program that is in a city or area where the cost of living is high. Try to estimate your living costs by combining rent for accommodations, expected cost of food, transport, clothing and entertainment. It might be helpful to separate these into sub-categories and trying to break things down further, like including a section for Transportation Costs with subsections for Car Insurance, Car Maintenance, Gasoline Expenses, or Bus Tickets, Subway Tickets, etc. Don’t forget to take living costs into account, because even little things like a daily commute by bus or train can quickly accumulate into staggering annual expenses, driving grad school costs into the stratosphere. Lost Income Unless you’re considering attending grad school online (which will allow you to maintain or get a full-time job) you’ll likely have to give up your regular income while studying, which is essentially an added cost of attending grad school. Many students work part-time jobs, complete work-study programs or serve on assistantships, but some are forced to focus entirely on their graduate studies and rely on other means of income (like credit cards and student loans) to fund day to day living expenses. You’ll want to avoid relying on outside financing for daily living expenses at all costs, as doing so is a recipe for financial disaster. Be sure to account for the loss of income you’ll be faced with (if any) while calculating the expected cost of your program, and if it looks like you won’t have enough to scrape by, think about delaying going to grad school for a later date when you’ve saved up enough money to cover your expected daily expenses. Student Loans Before you can finish the budgeting process, you’ll have to factor the costs of acquiring any student loans into your educational expenses. Remember, some student loans require a down payment to get access to money, while others are offered with no up-front costs, but all of them have financing charges in the form of interest attached. Determine what your monthly and annual payments will be once you’ve graduated from your degree program and estimate whether or not your income will allow you to even make those monthly payments. The worst thing you could possibly do would be to take on a huge amount of student loan debt, graduate from a program that doesn’t provide reliable job prospects and end up defaulting on your student loan debt because of it. Can You Afford Graduate School? By planning ahead, attending a less expensive program, locking in some scholarships and grants, taking out student loans, then doing everything possible to reduce daily living expenses, just about everyone can afford to go to graduate school. However, make sure that you don’t just automatically assume that you can afford to pay for the cost of graduate school without calculating it out in advance, as that’s a sure-fire way to put yourself into a financially impossible situation. To really think long-term, perhaps a more important question than whether or not you can afford grad school right now, is whether or not you can afford it in the long-run. To determine whether or not attending a graduate program is really worth it, you’ll have to calculate your expected return on investment. |