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Column: What is an Alberta Clipper?

WASHINGTON — Have you heard of a Manitoba Mauler? How about a Saskatchewan Screamer? And no, these aren’t Vince McMahon’s best attempts to incorporate Canada into the WWE.

And what about an “Alberta Clipper?” You might have heard the phrase several times over the last week. That is because our region has been clipped by these fast moving systems already this winter and will be clipped a couple more times in the next few days.

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Above: Canadian province map

An Alberta Clipper is a very quick moving low pressure system that plunges southeast out of the Canadian province of Alberta Canada. Manitoba Mauler and Saskatchewan Screamer are the same types of systems — they just originate in different provinces.

A meteorologist in Milwaukee, Reinhart W. Harms, coined the phrase in a paper he wrote in 1970. “Clipper” comes from a term used in the 19th Century to describe fast sailing, narrow ships with three or more masts designed to transport passengers along the trade routes at record speed. The ships were originally built to meet the export demands of tea coming out of China.

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Above: 1851 the "Flying Cloud" Clipper that traveled 15,000 miles from New York to San Fran in 89 days.

Clippers form when winds floating off the Pacific Ocean move over the Canadian Rockies and then meet up with the frigid winter air. Generally these low pressure systems travel into the United States via the jetstream into the Northern Great Plains, trek across the Midwest and Great Lakes region and then often times navigate towards the Mid-Atlantic and off the coast where they tap into some moisture from the Atlantic Ocean.

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Above: Path of Alberta Clipper across U.S. (Courtesy NOAA)

They bring with them the chance of snow showers, colder air and also some breezy winds.

Since they really have no fuel, they lack the moisture needed for a big snow storm. Therefore, by the time they reach the D.C. region, they usually can only squeeze out a minimal amount of precipitation to accumulate before they quickly move on. Once off the East Coast, these clippers can transition into a Nor’easter.

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Above: Another look at the trek of an Alberta Clipper

“A jetstream conveyor belt will set up over the area from South Central Canada toward the Mid Atlantic starting on Friday,” the National Weather Service says. “This will allow a train of clippers to line up and make a fast track down across the northeast.”

This weekend’s forecast calls for light snow showers and flurries early Friday morning and night into Saturday morning and again on Saturday night into Sunday morning. We’re not expecting much in accumulation with any of these little precipitation bumps in the road.

Unfortunately, cooler air and winds will accompany these as well each time. Temperatures move into the mid-40s on Friday, but barely get out of the 30s on Saturday with breezy conditions. Winds stick around on Sunday, as well, with temperatures only in the low 40s.

Just a reminder: The first day of Spring is March 20 — just 63 days away.

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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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