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Your Beermonger: Rainy Day Brews

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Editor’s Note: This sponsored column is written by Nick Anderson, beermonger at Arrowine (4508 Lee Highway).

The weather this week in our area was… well, apparently it was par for the course in 2014; we just traded one form of precipitation for another. Regardless of whether you enjoy a rainy day or not, they often present a good opportunity to catch up with your interests, like books, movies, television, music — or beer. If you’re looking for something new to try the next time some showers cancel your plans, think about one of these:

Port City Ways & Means: I just got to try this new beer from Alexandria’s Port City this week, and it’s a winner. At 4.5 percent ABV and plenty of earthy, fruity hop character, what sets Ways & Means apart from other Session IPAs is the generous use of rye malt in it. I’m a sucker for rye malt beers, and this one comes through with the right amount of bready, spicy notes giving the hops something different to play off of. Currently available as a draft beer only, try to find yourself with a growler of Ways & Means next time the clouds open up.

Mother Earth Dark Cloud Dunkel: Not only is the name perfect for a rainy day beer, but the style is dead-on as well. Few American craft brewers are making a Dunkel Lager in the German tradition, and this one from Mother Earth in North Carolina is outstanding. Dark Cloud is smooth and even in feel on the palate, with just the right amounts of nutty and caramel flavors from its malts. At just over 5 percent ABV, Dark Cloud may not be a Session beer, but a couple won’t put the beating on you that some others will.

Hardywood Capital Trail Pale Ale: This new six-pack from Hardywood in Richmond is an early contender for my Beers of the Year list. At 5.6 percent ABV and 50 IBU, Capital Trail hits my Pale Ale happy place mostly by not feeling like a beer that might as well have been made into an IPA. Malt flavors are present without pushing the boundaries of sweetness; the hops are upfront but the focus isn’t on the super-bitter or fruity big hop notes. This is a Pale Ale with lots of “foresty” earthy aromas and flavors, and is just about perfect with the smell of wet grass and recent rainfall in the air. It comes in cans too, so there’s a plus.

Blue Mountain Kolsch 151: If you’re out on a boat fishing this summer, and the skies happen to open up a bit, this is the first thing I’d want to be able to pull out of my cooler. The Kolsch style, combining the bright, fruit-driven notes of Ales with the ease-of-drinking and smooth body of Lagers, is a natural fit when a storm charges through a hot day, bringing a momentary cold snap that can make many beers feel suddenly heavy. Also available in cans, Kolsch 151 is a great all-purpose spring/summer beer.

Victory Storm King: You didn’t think I’d miss a pun opportunity like that, did you? Perhaps a better fit for colder seasons, Storm King is one of the finest Imperial Stouts made in the U.S., and as a cold rainy day beverage not only provides the right level of warmth, but some of the most balanced chocolate and roasty malt flavors you can buy.

Until next time!

Nick Anderson maintains a blog at www.beermonger.net, and can be found on Twitter at @The_Beermonger. Sign up for Arrowine’s money saving email offers and free wine and beer tastings at www.arrowine.com/mailing-list-signup.aspx. The views and opinions expressed in the column are those of the author and do not necessarily reflect the views of ARLnow.com.

Community discussion guidelines: Our sponsored columns are written by members of the local business community. While we encourage a robust and open discussion, we ask that all reviews of the businesses — good or bad — be directed to another venue, like Yelp. The comments section is intended for a conversation about the topic of the article.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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