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Keeping Your Joints Healthy With Proper Exercise

It’s thanks to our healthy joints that we can move, run, jump, twist and turn. They’re connected by ligaments and muscles for stability and have a layer of articular cartilage (smooth white tissue) on the ends of the bones to help distribute the compression forces and allow for smooth gliding when we move.

Keeping joints healthy to reduce the wear and tear on the cartilage is a key component to having an active lifestyle and continuing to play the sports you love. Exercises that reduce the load on the joints while using one’s core muscles are crucial to long-lasting function and reduce the potential for early arthritis. So continuing to move and picking the right exercises for joint health are a must.

Additionally, healthy joints are key for prevention of early onset joint replacement surgeries — especially hip and knee arthroplasties.

The key to a successful exercise program is variety. Completing a balance of aerobic, muscle strengthening and flexibility exercises, along with good weight management, will provide the base for good joint health for a lifetime. Cross-training has become a popular way to add variety to your exercise routine by not performing the same activities each time you work out.

Flexibility exercises allow us to maintain the full range of motion that joints desire. Active stretching exercises such as yoga, tai chi and Pilates all help our joints stay ready for more intense exercise. It is recommended that stretching exercises be performed before and after aerobic or strength training for maximum performance.

Aerobic (cardiovascular) exercises should begin with relatively low intensity. As you age, you should avoid high-impact training such as jumping rope, step aerobics or running on hard surfaces such as city streets. Low impact exercises and sports such as bicycling, walking and swimming are ideal and can be performed with minimal equipment. Gym equipment with low impact loads on the legs would include using an elliptical, stair climber or stationary cycle.

Weight training keeps your muscles strong and allows for good joint stability. Performing weight training with proper form is critical, as is starting with low loads and higher repetitions for joint safety. Before starting a weight training program, you should seek the advice of a trained professional such as a physical therapist or exercise physiologist to develop the optimal program.

Above all, you should pick exercises and activities that you enjoy and that meet the low joint load described above.

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Keeping Your Joints Healthy With Proper Exercise originally appeared on usnews.com

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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