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Your Beermonger: Conflicting Trends

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

Without a doubt the event of the week in our area was the yearly release of Bell’s HopSlam. We received our 25 cases at Arrowine on Monday and they sold out in under an hour, way faster than I had anticipated. Considering the madness surrounding its release, I thought of making this week’s column more an open forum where folks could discuss it, as it seems to be all anyone wants to talk about right now — but I thought that would be lazy even by my standards.

So instead I’m going to take a moment to talk about perception, trends, and realities. Because while trophy hunters have been calling incessantly about HopSlam, I’ve had to restock classic, more balanced brews from Bell’s itself, along with some from Devils Backbone, Great Lakes, and more. In my retail experience it seems as if there is always at least one Great Contradiction at play no matter what the business might be: currently the greatest of these in craft beer is between the amount of hype and media attention the big rare beers garner, and the maturing palates of craft beer drinkers, many of whom are looking for less volume and more subtlety.

Great Lakes in particular has been on the upswing lately: coming up on the first anniversary of its entering the Virginia market, the Cleveland brewery has built a following in our area by offering flavorful, well-made beers that stay true to their styles without bowing to the pressures so many breweries face in terms of making high-ABV, in-your-face, stupid rare offerings. Yes, their Christmas Ale was in very short supply this past holiday season, but I think that had more to do with demand in Ohio and other, more tenured markets than anything. The point is that even the biggest of the Great Lakes beer that I’ve had — the ‘Imperial’ beers that from most brewers tend to cut your evening short after a bottle — are enjoyable in feel while providing the depth of flavor that is expected from bigger beers.

It is easy to think being a beer geek is all about finding the rarest of the rare, the biggest of the big, and flaunting one’s finds in the faces of those mere mortals who missed out. When craft beer gets big media coverage, it tends to be related to something like a HopSlam or Founder’s KBS — so I understand the perception. What is more interesting to me is the shift toward great everyday beer, and the broader audience that can be gained through such beers. Neither can exist without the other, nor should one overshadow the other; the everyday and the extraordinary reaching out to a world still only beginning to wake up from the bland stupor that the big conglomerate breweries had kept them under for decades.

Don’t worry if you miss out on the crazy-rare beer that’s just been released; the next one’s right around the corner, and in the meantime there are more truly great beers available than ever before. Until next time.

Cheers!

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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