Personal Finance and Investing

Dedicated and Shared Servers are 2 of the most widely used servers for web hosting purposes. With dedicated server hosting, the web-users would locate every file and data that he owns on the server, utilizing all the resources on the server. Dedicated server is suitable for the case of companies with huge websites, which are loaded with hundreds of pages and links, pictures and images, require for a faster load time for each of their web page because of the huge number of visitors anticipated to be accessing their website with thousands of them trying to load a particular web page all at the same time. Dedicated server hosting provide the exclusive right to the one and only website residing and utilizing its dedicated server.

For any companies with a smaller websites and limited number of visitors, choosing for a shared server would be a better choice because the cost of a shared hosting server is at least 20% to 40% lower than a dedicated hosting server, which would help to save up some significant amount of money for some other stuffs whilst at the same time, they are good and comfortable with the shared hosting server which is shared between many other websites on the same server utilizing the same bucket of resources.

The key differences between these 2 types of hosting servers are:

1. The number of websites each of them are supporting today – with dedicated server being designed and allotted for one single website, whereas for the case of shared server hosting, the same server can be shared across multiple users, not limited to one or two web-users only.

2. The web-users will be given a dedicated IP address if they are on a dedicated hosting server; however in the case of shared hosting server, it is not by default that every web-user will be given a dedicated IP address to begin with. It is common to have web-users on a shared hosting server to share the same IP address with some other websites sharing the same server. There is a risk of sharing the same IP address among multiple computers and websites especially if there are any decent websites which are black-listed by the search engines. Therefore, if the Search Engine bans any specific website which is sharing the same IP address as you are, then your website will be banned as well

3. The cost of the hosting services with shared server is definitely cheaper than being on a dedicated server. The reason why it is cheaper for shared server hosting is because the cost of the server will be shared among all of the web-users on the shared server itself; while for the case of dedicated, the cost is way higher and a lot more expensive because the exclusive user will have to bear the entire server cost for the case of dedicated server hosting.

4. In a shared server hosting environment, the server management with restoring of data backup, security controls and all the necessary hardware such as routers, firewalls, computers, etc will be managed by the shared hosting service provider. One can surely leave all these administrative management stuffs behind as these will be taken care of by the web hosting provider. Unlike the shared server environment, anyone on the dedicated server environment, will be responsible for the machines ( hardware ) as well as all the software applications and tools required to run the necessary tasks for the dedicated server itself. The service provider will only be taking care of the data backup and the performance of the server in this case.

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Most people who are toying over the idea of web hosting are sure to think over a dedicated server. Although it is true that the dedicated server is quite expensive, you need to think over all the benefits that it can give you before taking a decision.

It is true that most people use a shared web hosting server. It is a great option and a shared server is really very reliable and relatively free from enormous problems. However, most people go for the shared servers because they are a cheaper bet. If you have the financial backing that will enable you to get hold of a dedicated server, then why not cherish all the advantages that it has?

When you see that your website is utilizing a lot of your host’s resources, and your site is taking a lot of time to load, thanks to the enormous amount of traffic, it is time to get a dedicated server. Generally, the increased amount of traffic to your website is an indicator that you should let go of the shared server and go for a dedicated one.

Once you have decided that the amount of resources that your site requires and the amount of traffic that it gets calls for a dedicated server, the next thing to ponder upon is the cost. The cheapest dedicated servers are the unmanaged servers, coming for about $99 per month. However, this is the basic server and you might need much more that the unmanaged server offers.

When thinking about the amount for the server, you need to consider the amount of money you earn from your website. If it is a great site that gets you a lot of profits, then it might be worth spending a considerable amount for a dedicated server. Consider the following things:
Does the profit from your site promise to make up the cost of the server?

Is the new server a means by which your site will be able to make more money?
In case of a crisis, will you be able to keep the site going?

In any case, if you have a very busy site, then the money that you pay to your host increases considerably. In such cases, going for a dedicated server can even help you save some money!

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If you have read this book by Robert Kiyosaki, “Rich dad, Poor Dad”, you will realize that getting a college education, securing a 9-5 job and then climbing the corporate ladder is not the most effective way to get rich.

However, this doesn’t mean college education is getting cheaper, just because the rat race is no longer in vogue among the younger generation. In fact, it cost a decent amount of money which requires financial planning right from the child’s birth.

Between the costs of tuition, books, room and board and school service fees, the total bill can add up fast. However there are ways to get reduced or even free tuition for your college education.

Aim For Scholarships

This is obvious but you will be surprised that many students don’t apply for scholarships. There are many scholarships available and while good grades are a must, you don’t need to be the valedictorian of your class. Check with your high school counselor or college academic adviser for application criteria.

Get Free Tuition

Some states offer free tuition for bright students from lower income families so that they can attend college. In New Jersey, you may be eligible for free tuition at your community college if you are in the top twenty percent of your high school class. Just do some research online and see what is available.

As of 2008, Stanford University will no longer charge tuition fees to students whose parents earn less than $100,000 a year. In addition, all room and board fees will be waived for students whose families earn less than $60,000 a year. The program also eliminates the need for student loans.

In 2008, MIT also announced plans to offer free tuition for those whose families are earning less than $75,000 a year.

Other ways to get free tuition include:

1. Employee Benefits

Human resource is one of the most important assets in a company, hence, a lot of employers are focused on retraining and upgrading the skills of their workers to become more productive and gain a competitive edge.

If you want to advance your education, there are usually partial to full reimbursement, especially for tuition classes related to your job description.

To qualify, you will usually need to get a passing grade of no less than a “C”. Check with your employer for the terms regarding any tuition reimbursement policy.

For school employees (in colleges and universities), there are usually perks like reduced or free tuition. In some cases this extends to immediate family members. This could be one more incentive for working as a college volunteer helper for the sake of your children.

2. GI Veterans

If you are a veteran of the United States military, you may be eligible for free tuition which includes college courses, job training, certification tests, and much more.

3. Test Out of A Class

This means you take a test out of the class which is usually cheaper (about one-third) than paying for the full class. However, you have to possess in-depth knowledge of the subject and it is up to the college discretion. You have to convince them with your resume and reasons.

Obtaining free tuition is not an impossible task. There are options available, but it is a matter of getting creative, pro-active and persevering. For saving the exorbitant cost of between $25,000 to $80,000, I think it is well the effort though.

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What is the difference between good and bad debt? Can they even exist this way? I thought debts were just debts, and nothing more. Debt is borrowed money. Everyone knows that. However, debts are essential in our lives. We all use them to our advantages. On the other side of the coin, use it too much, and it becomes a curse instead.

When we go to college, we might not have the large sum of money to dispose of. Therefore, the need for a loan is apparent. Loan, too, is a type of debt. In this case, debt is a good thing and it helps serve as the stepping stone in life. But what take a car for another example. Is it a good thing to get involved with a debt to obtain a car? As opposed to investing in yourself; an education, borrowing huge amount of money for buying a car can be a good or bad thing. It is a good thing if you are a salesman, needing mobility all the time. But it is a bad thing indeed, when you are buying that car just for satisfying your ego.

In a vacation, you would spend also, large sum of money. In financial terms, this is a huge waste. Yes, you will get nice and great memories, as well as unforgettable life experiences. But it is no asset in terms of business and money matters. This example can be an extreme case. Some will argue that having a holiday releases much stress and heals the mind.

In the end, the point is to do it when you can afford it. There is no use trying to splurge more than what you already spend or can afford. How is this relevant to debts? It is when you try to take a loan, or large portion of cash to go for a vacation or splurging moments. Enjoying on credit is definitely a bad debt, rather than a good debt. A good debt is like a college education. It serves you in the future.

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Personal loans are money you borrow from a bank or private lending company for your own private use. The terms and interest rates of these loans will depend on the lender and the amount of money you borrow. Your lender will determine the amount you are eligible for based on their policy, your income, and your credit rating. If you want to finance education, medical bills, or debt consolidation you can apply for such a loan in your locality or on the internet.

There are secured and unsecured loans. If you apply for a secured loan you will need to offer the lender some type of collateral — such as a vehicle or land — that they can claim. Unsecured loans require no collateral but the interest rates for these loans are higher because lenders bear a greater risk of non-payment.

If you have experienced getting behind on a bill or two as a result of changing jobs, layoffs, and unexpected expenses, personal loans can help you start living within a budget again. You can use these loans for most any purpose including, but not limited to, education, medical bills, and debt consolidation.

One of the uses of this credit is to consolidate accumulated debt, such as credit card debt or payday loan debt. If you find yourselves making minimum payments on all of your outstanding bills each month, these loans can help. Instead of making only minimum monthly payments you can use a loan to reduce your repayments time as well as save from accumulated interest charges.

This is especially true if the interest rate on the loan is less than your credit cards and other debt. By determining the amount of money needed to make your monthly payment you will be able to calculate how long it will take you to pay off your debt.

Unexpected medical bills can take a toll on any household. A personal private loan can also offer you financial relieve related to these medical bills, especially if you don’t have any type of health insurance. If you earn too much money to be eligible for public medical assistance these loans will benefit you.

No matter what your career objective education is often necessary. Personal student loans are becoming more common for financing education because student loans aren’t available for all types of educational expenses. This could be a good investment on your part provided that taking such educational classes can advance your career or help you change career.

The repayment terms of a personal loan are usually between one to five years. The terms of your loan will depend on the lender and the amount of money you borrow. A longer loan term will result in lower monthly payments. However, you will end up paying more for the loan due to the interest costs.

You will likely get a personal loan, even if you have bad credit or no established credit. To apply for the loan you will need to verify employment, income, and residence. Since you will pay a higher interest rate make sure your monthly payment is something within your reach and only borrow the amount you really need.

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