What is the best loan option for prospective grad students? and Taiwanese photinia, Photinia serratifolia ....Sến Mộc Đài Loan....#10

What is the best loan option for prospective grad students?

Should I get a loan from a bank or from a student loan company? Which is more affordable? If bank, any specific bank with lowest interest rates? If other, which one is best option? Thank you!


loan best answer:

Answer by payingcollege
Your best bet for grad school is the federal GradPLUs loan. Federal loans typically have the best interest rates and most generous repayment options. You must start by filling out your FAFSA.

If you've missed the FAFSA deadline for this year, private student loans are also available. These loans are credit-based, which means the interest rate will probably be variable, and based on your credit history. Having a cosigner with good credit can help. Private student loans are usually more expensive than federal loans, but still have benefits over "bank" loans, such as potential interest deduction on your taxes.

Explore your options, and borrow only what you need, b/c you will have to pay it all back eventually.

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Taiwanese photinia, Photinia serratifolia ....Sến Mộc Đài Loan....#10


Image by Vietnam Plants & The USA. plants
Taken in Waco city, Texas state, southern of The United States of America.

Vietnamese Named : Sến Mộc Đài Loan
Common names : Taiwanese Photina, 石楠 shi nan, Chinese Hawthorn.
Scientist name : Photinia serratifolia ( Desf.)Kalkm.
Synonyms : Photinia serrulata Lindl.
Family : Rosaceae – Rose family
Group : Dicot
Duration : Perennial
Growth Habit : Tree
Kingdom : Plantae – Plants
Subkingdom : Tracheobionta – Vascular plants
Superdivision : Spermatophyta – Seed plants
Division : Magnoliophyta – Flowering plants
Class : Magnoliopsida – Dicotyledons
Subclass : Rosidae
Order : Rosales
Genus : Photinia Lindl. – chokeberry
Species : Photinia serratifolia (Desf.) Kalkm. – Taiwanese photinia

**** plants.usda.gov/java/profile?symbol=Phse17
**** en.wikipedia.org/wiki/Photinia_serratifolia
**** www.alabamaplants.com/Whitealt/Photinia_serratifolia_page...
**** www.texasinvasives.org/resources/publications/Photinia_Ph...

**** www.pfaf.org/user/Plant.aspx?LatinName=Photinia+serratifolia
Physical Characteristics
Photinia serratifolia is an evergreen Shrub growing to 8 m (26ft 3in).
It is hardy to zone 7. It is in leaf 12-Jan It is in flower in April, and the seeds ripen from Sep to October. The flowers are hermaphrodite (have both male and female organs) and are pollinated by Insects.

Suitable for: light (sandy), medium (loamy) and heavy (clay) soils and prefers well-drained soil. Suitable pH: acid, neutral and basic (alkaline) soils and can grow in very alkaline soils.
It can grow in semi-shade (light woodland) or no shade. It prefers moist soil.

Habitats
Woodland Garden Sunny Edge; Dappled Shade;
Edible Uses : None known

Medicinal Uses
Plants For A Future can not take any responsibility for any adverse effects from the use of plants. Always seek advice from a professional before using a plant medicinally.

Anodyne; Aphrodisiac; Diuretic; Febrifuge; Stimulant; Tonic.

The leaves are diuretic, febrifuge, stimulant and tonic[218]. A tincture of the wood is ingested as a tonic and anodyne[218]. The plant is said to have excessive aphrodisiac properties[218].
Other Uses
Wood.

The wood is hard and heavy, suitable for making furniture and other small articles[266].
Cultivation details
Requires a well-drained fertile soil in a sheltered position in sun or light shade[1, 200]. Prefers a warm soil that is not too heavy or close[11]. Tolerates calcareous soils[11, 200]. Dislikes windy sites[11]. Plants are hardy to between -7 and -12°c[200]. Hardy at Kew Gardens in all but exceptionally cold winters, this species is at its best in the milder areas of the country where specimens up to 15 metres tall exist[11]. There are some named forms, selected for their ornamental value[200]. The flowers have a delicate scent[245]. Plants are susceptible to fireblight[200]. Plants in this genus are notably resistant to honey fungus[200].

Propagation
Seed - best sown in a cold frame as soon as it is ripe in the autumn. Stored seed will probably require stratification and should be sown as early in the year as possible[78]. Germination is usually good[78]. When they are large enough to handle, prick the seedlings out into individual pots and grow them on in the greenhouse for their first winter. Plant them out into their permanent positions in late spring or early summer, after the last expected frosts. Basal cuttings in a frame[200]. Harvest the shoots with plenty of underground stem when they are about 8 - 10cm above the ground. Pot them up into individual pots and keep them in light shade in a cold frame or greenhouse until they are rooting well. Plant them out in the summer. Cuttings of half-ripe wood, 7 - 10cm with a heel, July/August in a frame[11, 78]. They take about 2 months to root and should be overwintered in a greenhouse, planting out in late spring[78]. Fair to good percentage[78]. Cuttings of almost ripe side shoots, 7 - 12cm with a heel, October/November in a cold frame[78]. Lift the following autumn and plant in their permanent positions[78]. Layering in autumn. Partially sever the layer about 12 months later and lift in the following spring. High percentage[200].

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