where to by dogs ??

where to by dogs

Are you looking for a place where you can by a dog? if that so, you will find it here. Have a look around, there are many online stores that sell dogs in my page !! see it ??

In fact, there is many online stores that sell a wide variety of dogs, some have specialized in selling the Puppies only, most people are confused where to by a dog just because amazon does not sell animals. It is dissapointed.

There are some guidelines before you by or aim of adopting a dog, here some tips on Choosing a Dog for You

before deciding to by a dog, consider the following things:

1) Provision of time: How much time that you have to take care the dog. This is important, because many people by dog, do not have time to care dog or animals, and then leaving him in a backyard without any socialization is really cruel. think about it ..

2) Your health or your family, if any, is your family members are troubled by the presence of animals in your home? , for example alergic of fur. If that so, consult a doctor before by a dog.

3) The cost, sometimes we forget and unprepared about money that we spent, before by a dog, calculate how many cost will be go out for the dog. poor dog, he's just one meal / day. :)

4) Your home, Is your house can accommodate a dog? Do not chained dogs in your backyard, the dog is part of the family as well.

5) The frequency travel, are you travel frequently, and it is your lifestyle? if so, maybe a dog is not your lifestyle. let the other families by and take care the dog.

6. Purpose: what's your goal to by a dog? for protection? for a family friend?

7. Knowledge? caring for a dog is not a difficult job, but requires knowledge, lest you face the situation where your dog is no longer healthy and attractive just because you do not know how to care for a dog, learn about this also before by a dog. where to by dogs ??

10 Tips to Make Sure Your Financial Budget Will Succeed

By Greg Quincy

You’ve analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from happening to you?

Here’s how. Make sure you follow some of these tips below so this doesn’t happen to you.

1. Create a budget with realistic targets – Let’s say one of your budget goals is to not eat out for lunch or dinner on a regular basis. If you are honest with yourself you may find this to be an unrealistic goal. Sometimes it’s a nice break to eat out and have a relaxing rewarding evening. In other words, don’t set the bar too high. Drastic and unrealistic goals are one of the surefire ways your budget will not succeed.

2. Budget for expenses that don’t occur on a routine basis – Make sure you give consideration to expenses that occur once a year, such as holiday presents, birthdays, vacations, weddings, car maintenance costs, etc. These expenses don’t occur every month and they will bust your budget plans wide open. Make a list of these events on a calendar and put a dollar figure to them. Place them in the month they are expected to occur so you can plan in advance how you will pay for them. The regular routine expenses are not the reason your budget will fail. It is these “gotchas” that will wreck havoc on your budget if you don’t plan for them.

3. Put your budget in writing – Take the time to write down your budget plans. Making a mental note of your budget goals is a recipe for failure. Don’t assume that your financial future will take care of itself by making a simple mental note to yourself. If you have your budget goals detailed in writing you can review and remind yourself weekly and monthly of your financial goals.

4. If you have a bad month or week, don’t give up! – Let’s say you have been reaching your budget goals for three months. In the fourth month, for whatever reason, you didn’t reach your budget goals. Maybe you even stopped trying to stick to your budget! If this happens, don’t just throw your hands up in the air and admit to failure. Everyone falls off the wagon sometimes. Your budget is a journey. There will be bumps in the road, so the key is to realize that everyone makes mistakes. This relates to a story I like about a great old time golfer named Walter Hagen. Before each round of golf, he told himself that he would have 4 or 5 bad shots. During the golf round, if he hit his ball into a bunker, he would tell himself, “There is one of my bad shots that I was expecting”, hit the ball out of the bunker and move on. It didn’t phase him one bit because he had knew there would be some bad shots in his round.

5. Adjust your budget over time – This one is a biggie! It can take months or even years to fine tune a personal budget. When you initially made your budget plans, you probably had to guess at some of your figures. They might not have been in touch with the realities of every day life. For example, you may have underestimated your monthly grocery or utility bills. If this happens, analyze all of the underlying money that was spend in this category to see if your initial estimate was unrealistic. If it was, try to come up with a more accurate number and then to stick to that new figure. It is this type of adjustment that is one of the keys to making sure you can stick to your budget.

6. Review your budget every month – This is where you will make any adjustments that are needed. Set aside the first day of each new month to review your income and expenditures and match them to your budget goals. By actively reviewing your finances and comparing it to your budget, you can adjust your spending habits. This gives you a chance to analyze areas that exceeded your budget expectations and make the adjustments in your spending habits or your budget. The goal here is to not forget about your budget. One tip that has worked for me is to put a printout of my basic budget goals on the refrigerator. That way every day, several times a day, I would notice my budget goals sheet. I may not read it every time, but I notice it and it reminds me that I need to stick to my budget. That is why tip number 3 is so important.

7. Set specific short-term goals – Let’s say one of your budget goals is to have all of your credit card bills paid off in two years. If your credit card balances total $20,000 that would be $10,000 a year. Divide that number further into quarterly reductions in your credit card bills, in this case $2,500 every 3 months. Now, this is a more tangible budget goal to shoot for isn’t it? I find that when I divide intermediate and long term goals into short-term tangible stepping stones, I am able to feel a greater sense of accomplishment and am more likely to succeed. This brings us to number eight…

8. Reward yourself – That’s right! Treat yourself when you reach your some of your short-term goals. Since your financial budget is really a journey, take some time to smell the roses on your way. Sticking to your budget should not be a restrictive, unpleasant experience. Not only should you take the time to enjoy your financial accomplishments along the way, but use part of your budget for fun things that you enjoy. Just make sure your rewards don’t end up breaking your budget!

9. Pay yourself first – I’m sure that one of your budget goals is to save and invest a portion of your income. One of the keys to make sure you succeed at this is to do what the IRS does with your paycheck, take it out of your discretionary income immediately. This way, the money is saved away right off the bat. Move the money immediately into a savings or mutual fund account. Many mutual fund companies can setup automatic deductions from your paycheck. Despite your best intentions to save, the hectic, daily demands of life can reduce the amount you are able to save.

10. Attitude is everything – When most people think of a budget, they picture restrictions and pain. Almost like a diet. You know what happens with most diets? They don’t seem work for long! First, if your budget is too strict, too restrictive on your spending, it won’t work either. However, you will need to limit your spending in some areas and this will take some adjustment in your attitude. I found that when I am feeling limited and sorry for myself when I can’t purchase something that I want, I remember my financial goals I set with my budget. I think about the satisfaction I feel when I reach those goals. Over time, you find that you don’t want to disappoint yourself by breaking your spending goals on a spur of the moment purchase. Now, I actually get more pleasure knowing that I am reaching my budget goals when the thought of an impulse purchase crosses my mind.

If you follow these tips, your budget plans are more likely to be a great success. By taking some simple steps you will find that living within a budget is not as tough as you imagined. It can actually be fun and rewarding!


About the author:
Greg Quincy is the publisher of the website www.financialtipsforyou.comoffering his insights and tips that he has gained from working in the financial industry and the economic challenges of raising a family.

4 Bulletproof Strategies that Let Real Estate Professionals Cut Their Federal Taxes

By Chris Bird

Never Invest a Cent Without Considering the Likely Tax Impact on Yourself

Realtors® and others in the real estate field see first-hand the steady increase in property values. Everyday, you assist both buyers and sellers to profit from it. You can spot the "good buys" and insider opportunities. But when you're the buyer, don't get so caught up in "the deal" that you forget to factor in the tax savings or costs that come with it.

Just as a property with critical easement problems deserves extra scrutiny, the same is true for any investment with tax complications. An investment (a real estate trade, for example) may look very different once the related federal tax consequences are calculated. Title defects shown by the title insurance report must be resolved before the closing. Be as careful to take into account tax scenarios that could diminish your true financial return going in.

I constantly travel the country, conducting 150 seminars a year for Realtors® and financial professionals. As a former IRS employee and tax expert (CFP and Enrolled Agent) I remind audiences that it's not how much you money make, but how much you keep that determines your true earnings. Being savvy about IRS rules helps you size up potential investments wisely, so you'll keep more of what you earn in the long run.

1. Depreciation Saves Money Several Ways

Depreciation is different than all other business expenses, since you don't have to actually spend those depreciation dollars to claim the expense. Yet depreciation gets to be added to the operating expenses, property taxes, and interest on the loan to offset the rental income. Since there's usually a tax "loss" during the first five to seven years a property is owned, that shelters your other income from taxes from the first year you own it.

Full-time real estate professionals may be able to deduct 100% of their rental property tax losses from their income. That's not true for people who spend less than full time as real estate professionals or rental property owners. Details are spelled out in the Internal Revenue Code 469(c)(7). The key factors for this deduction to apply according to IRS MSSP Guidelines (Feb. 1996) are this:

Beginning with the 1994 year, a taxpayer who meets ALL of the following can deduct current rental real estate losses in full regardless of how high his/her Adjusted Gross Income might be:

A. More than half of the taxpayer's personal services in all businesses must be in real property businesses. A real property business is real property development, construction, acquisition, conversion, rental, management, leasing, or brokerage .

B. The taxpayer must spend more than 750 hours a year in real property trades or businesses.

NOTE: For time to be counted in either of the above two tests, the taxpayer must materially participate in the activity.

C. The taxpayer must materially participate in each rental real estate activity unless he or she has filed an election to group all rental real estate activities as one (for purposes of materially participating). See your accountant for more detailed information on this issue.

2. Re-think Your Interest Costs

Do not justify running up your debts to generate tax deductions. For an individual in the highest bracket, for every dollar of interest paid, the tax savings is only 35 cents. This means you paid 65 cents for nothing. (For an individual in the 28% bracket you paid 72 cents for nothing.) Don't spend the money if the main reason you're buying it is to "buy" a tax write-off.

When in doubt, remember the saying: Borrow to purchase appreciating assets, pay cash for depreciating assets.

3. Pay off Existing Debts

The rate of return on the funds used to pay of a debt is equal to the rate of interest being charged on it. For example, when you pay off a credit card where you owe $5,000, which bears an 18% interest rate, you have just guaranteed yourself an 18% rate of return on that money.

Some of the best investments are the easiest. And here's a strategy that puts more funds into your pocket right away-that won't even cost you any taxes.

4. Deduct All your Equipment Purchases the First Year

The IRS permits you to write off up to $100,000 of equipment the first year you buy it
(IRC 179 deduction). With the deduction limit so high, Realtors® can deduct all their purchases of equipment - and that's not limited to computers, desks, PDAs, etc. By significantly reducing your taxable income, the social security taxes that would be paid on it are also reduced.

Two concerns need to me kept in mind when you use this expensing election. Taxes saved must be repaid upon sale of the asset(s), but that amount will not be subject to social security taxation. The only exception regarding recapture (in the prior sentence) occurs when the business use of the asset falls to 50% or less.

Being Tax Savvy is the Mark of a Professional

Your long-term tax consequences are as important as PITI (principal, interest, taxes and insurance) when you're assessing a real estate deal. For any investment or purchase to make sense, it needs to make good tax sense as well. That's what determines how much money really ends up staying in your pocket in the long run.
©Chris Bird, 1005


About the author:
Chris Bird Conducts 150 seminars a year for Real Estate and Financial professionals Wealth building, financial planning, residential rentals, tax strategies, accounting Certified Financial Planner (CFP) IRS Enrolled Agent Chris@ChrisBirdSeminars.com

3 Tips to Help You Sell Your Timeshare - For More

By John McIver

The values of timeshares are constantly changing. There are numerous timeshare-selling companies arriving every day. Timeshares are big business, and when one wants to sell a timeshare, the object is to gain more money than what he or she paid for. Here are several tips that can help anyone seeking to sell his or her timeshare make a profit.

1. Choose the right company. There are many timeshare sellers out there, and unfortunately, some are scams. It is important to do research on any company before advertising your timeshare with them. Watch out for companies offering to sell a timeshare within a certain timeframe, or for a certain amount of gain. Some say that reputable companies will not charge more than $50 for an ad. This is not true. Some of the best companies have ads that are more than $200. It is important to understand what the company will do for you. If you believe that the company will help you make a profit on your timeshare, or at least help you break even, then it is worth a large investment.

2. Set aggressive prices. Once you find a company to advise you, they will likely suggest a selling price that is significantly lower than what you paid. This is good advice. Some sellers attempt to sell their timeshares for more than they are worth, and end up being forced to lower the price, and possibly losing large amounts of money. The longer a timeshare stays on the market, the less likely it is to have a high yield. Depending on the company and the market, timeshares may be sold at least 20-30% what the resort is currently selling. The best prices will naturally attract buyers.

3. Get exposure. Choose a company that will expose your timeshare to the most potential buyers. Quite simply, a timeshare that is for sale will not sale if no one knows about it. Some companies claim that they have high exposure, but always check the facts. A company may claim to be number one in a search engine, but you should never be afraid to investigate further. A good way to test a company's claims is to search for timeshare-related keywords in Google. Observe the companies’ rankings on specific keywords, and you can attain a good idea of their exposure to a potential buying audience. Many customers selling timeshares fail to check the facts and lose money as a result. In order to make money, you must get exposure.

It is important to understand the market in which you are selling your timeshare. Most timeshares decrease in value and it is important to understand and accept this fact. With the proper advice and the proper approach to selling, a timeshare can make a seller large profits. Always have an aggressive price for your timeshare and choose the company that is best for you. Finally, gain the most exposure for your timeshare sale as possible. Following these rules will help make your timeshare sale experience a success.

About the author:
John McIver enjoys writing about timeshares. Learn more at http://www.sellmytimesharenow.com.

21st century insurance co. in florida

FULL DESCRIPTION

21st Century Holding Company is an insurance holding company, which, through its subsidiaries and its contractual relationships with its independent agents and general agents, controls all aspects of the insurance underwriting, distribution and claims processes. The Company is authorized to underwrite homeowners’ multi-peril, commercial general liability, personal and commercial automobile, fire, allied lines, surety, commercial multi-peril and inland marine in various states on behalf of its wholly owned subsidiaries, Federated National Insurance Company (Federated National) and American Vehicle Insurance Company (American Vehicle) and other insurance carriers. It markets and distributes its own and third-party insurers’ products and its other services through contractual relationships with a network of approximately 4,200 independent agents, of which approximately 300 actively sell and service its products. The Company also utilizes a select number of general agents for the same purpose.
The Company is authorized to underwrite homeowners’ multi-peril, commercial general liability, personal and commercial automobile, fire, allied lines, surety, commercial multi-peril and inland marine in various states on behalf of its wholly owned subsidiaries, Federated National and American Vehicle. Through contractual relationships with a network of approximately 4,200 independent agents, of which approximately 300 actively sell and service its products, Federated National is authorized to underwrite homeowners’ multi-peril, fire, allied lines and personal automobile insurance in Florida. American Vehicle is licensed as an admitted carrier in Florida, and underwrites commercial general liability, and personal and commercial automobile insurance. American Vehicle is also licensed as an admitted carrier in Alabama, Louisiana and Texas, and underwrites commercial general liability insurance in those states. American Vehicle operates as a non-admitted carrier in Arkansas, California, Georgia, Kentucky, Maryland, Missouri, Nevada, Oklahoma, South Carolina, Tennessee, and Virginia, and can underwrite commercial general liability insurance in all of these states.
Federated National underwrites homeowners’ insurance primarily in the South, West and Central Florida regions. Homeowners’ insurance generally protects an owner of real and personal property against covered causes of loss to that property. Its homeowner insurance products typically provide maximum dwelling coverage in the amount of approximately $0.8 million, with the aggregate maximum policy limit being approximately $1.5 million. During the year ended December 31, 2009, the Florida OIR granted Federated National the authority to write commercial residential property insurance under the fire line of business. This class of business affords property coverage primarily to associations with property commonly owned by the tenants of the association.
The Company underwrites commercial general liability insurance for approximately 250 classes of artisan (excluding home-builders and developers) and mercantile trades (such as owners, landlords and tenants). The limits of liability range from $100,000 per occurrence with a $200,000 policy aggregate to $1.0 million per occurrence with a $2.0 million policy aggregate. Personal automobile insurance markets can be divided into two categories, standard automobile and nonstandard automobile. Standard personal automobile insurance is principally provided to insureds who present an average risk profile in terms of driving record, vehicle type and other factors. Nonstandard personal automobile insurance is principally provided to insureds that are unable to obtain standard insurance coverage because of their driving record, age, vehicle type or other factors, including market conditions. Federated National writes flood insurance through the National Flood Insurance Program (NFIP).
Assurance MGA, a wholly owned subsidiary of the Company, acts as Federated National’s and American Vehicle’s managing general agent in Florida and is also licensed as a managing general agent in the states of Alabama, Arkansas, Georgia, Illinois, Louisiana, Mississippi, Missouri, New York, Nevada, South Carolina, Texas and Virginia. Superior processes claims made by insureds from Federated National and American Vehicle. Federated Premium provides premium financing to Federated National's, American Vehicle’s and third-party’s insureds.
The Company competes with Allstate Insurance Company, First Floridian Insurance Company, Universal Insurance Company of North America, Universal Property and Casualty Insurance Company, United Property and Casualty, Royal Palm Insurance Company, Edison Insurance Company, Olympus Insurance Company, St. Johns Insurance Company, Cypress Property and Casualty Insurance Company, Tower Hill Insurance Company, Florida Family Insurance Company, Homeowners Choice Property and Casualty Insurance Company, American Strategic Insurance Company, Century Surety Insurance Company, Atlantic Casualty Insurance Company, Colony Insurance Company, U.S. Security Insurance Company, United Automobile Insurance Company, Direct General Insurance Company, Ocean Harbor Insurance Company, Security National Insurance Company, Progressive Casualty Insurance Company and GEICO.

Source:reuters

devry university financial aid number

DeVry University Financial Aid department at 877-496-9050 are the most incompetent individuals I have ever conducted business with.

I warn anyone that decides to attend DeVry University to be aware of the ignorant financial aid representative, escalation desk, and managers.

I’ve had to call DeVry 2-3 times per week for the last 4 months and prior to that I’ve encounter major financial aid issues.

What’s most disturbing about my issues is that they are very simple errors that result in major problems.

For instance, I enrolled into my classes as an undergraduate, but because I went and talk to someone about Keller graduate school, DeVry processed my financial aid as it I was a graduate, and I had not received my undergrad yet.

So FAFSA, was providing me with a larger amount of financial aid, and when I called for several weeks to DeVry they quoted me this amount never realizing that I am taking undergrad classes but I am packaged as a grad student.

Now still at this point I believe what the “professionally trained financial aid advisor” are telling me, but I began to wonder why had I not received any award letters yet?

So I begin calling DeVry for clarification, and they kept telling me that my loans are fine; I’m just waiting for disbursement.

They finally put a ticket in and realize that OPPS you’re an undergrad. Again I wait weeks to be repackaged, and during that time I have graduated.

Now I still have a balance on the account, and my loans are in limbo. I keep calling 2-3 times per week, and finally someone in escalation tells me you have to sign a master promissory note.

I then ask why and their answer was that due to the banks merging and the current economic times my grantor is no longer yielding my loans.

I ask why did I not receive any letters from DeVry or my grantor and they try to blame me for not knowing, after I’ve been calling them 2-3 times per week since I began school.

I then called my grantor and they advised me that they had sold some loans but the still had mine, and all DeVry had to do was send my information to them like normal.

So, I call DeVry again and tell them that I want my same grantor because they have money waiting and only needs the school to request it.

Well DeVry says that since I have graduated already the only option I have is to sign with another grantor, or pay for the classes out of pocket!!!! ( also, someone finally tells me that DeVry and my old grantor “have business relationship problems”) hint, hint. So DeVry picks my new grantor.

I sign the new master promissory note with DeVry’s chosen grantor because I am at my wits end. Next I had to contact my lender to see why it was taking so long for DeVry to receive the funds, and they tell me that they have released the funds to DeVry and

I need to contact DeVry, but of course DeVry is telling me that the lender has my loans on hold.

Eventually DeVry says “yes we have your loans and they are waiting to be disbursed”. Now weeks go by and DeVry feeds me that line that they have X amount of time to disburse the loans.

Finally the loans are disbursed and I have a credit on my account, and again they say we have up to 14 business days to send you the credit.

Throughout those 14 days I call as I said before 2-3 times per week because every time I call I get a totally different answer.

Then on the 10th business day I call and ask what happens if I don’t receive the funds on the 14th business day and the guy tells me we will put in a ticket.

I ask if he could go on and put one in now and he says no we have to wait. Then low-and-behold, the 14th business day I call and they say we will put in a ticket.

I call the next day to ensure that the ticket is in, and the girl tells me “I don’t know why ALL those people told you 14 business days you have graduated and it could take up to 30 days.”

So I keep calling day after day, and low and behold some guy now tells me that they have to mail a letter to me so that I can call a number on the letter to to approve the funds, for which they have already paid my balance with and allow them to send me my refund.

I ask him can you now give me the number and he says that no one in the office knows the number, I asked where and who generates the letter, and he can’t tell me.

Oh and did I mention that each time they put in a ticket to this mystery department or I call and they tell me I am waiting for X to happen it all leads back to this mysterious department that DeVry says doesn’t have phones and the only thing the financial aid reps and managers can do is EMAIL them. (I am beginning to think DeVry has some people in another country locked up in a room somewhere paying them $1.00 an hour to manage their financial aid)

Some other signs of terrible Management and decision making is that DeVry has several different databases, which cost millions of dollars, that obviously don’t communicate with one another because one system still shows I have a balance, when the other shows I have a credit.

I’ll update you on what happens next!

And if someone from DeVry reads this please do not reply, for that only shows everyone that instead of working on your institutions real problems and spending our tuition money on providing better training to your staff and service to your students, you’d rather employ bloggers, or have your staff waste time blogging trying to keep your schools reputation instead of having them dedicate time to improving your processes!

So help me God this all is true nothing added, and really who can make this up?

I also most forgot because of all the issues I decided not to go to DeVry and am now completing my MBA at a real college university!!!!!

But here something else DeVry is doing.

Like I said this whole thing started when I went to talk to someone about Keller, well they also added Keller to my FAFSA as a school code.

I went in and made the correction to my new Graduate School, then a few weeks later I checked my FAFSA to make sure my new school information had processed and guess what, Keller had taken my new college off and put Keller back on. I called FAFSA and they said not to worry that they had processed my FAFSA for the new college, I called the new college and they have my information.

But, what the heck is Keller doing? Why and how can they keep changing my school code when I delete them!!!!!

Source:Devry

financial aid news for 2011

Until Steve Caruso receives his financial aid award from Syracuse University in late March, he doesn't know what to expect.
He's always wanted to get into the S.I. Newhouse School of Public Communications, but he has already been accepted to the University of Connecticut, where the public university tuition is reasonable.
"I really wanted to get into Newhouse, but I'm not sure if that's going to happen," said Caruso, a senior at Lewis S. Mills High School in Burlington, Conn. "I think that if there's a lot of money for financial aid at SU, it would probably help my decision."
Caruso is new to the financial aid process and is unsure how much aid the university will give him based off his family's upper-middle-class standing. Caruso filed the Free Application for Federal Student Aid forms and the College Scholarship Service Profile required at SU to apply for financial aid by Feb. 1, the deadline for first-year and transfer students to file the forms.
More than 10,000 prospective students will play the waiting game until the end of March, when they will be notified of their financial aid awards.
But it could be worth the wait — the university will provide more undergraduate financial aid for the 2011-12 school year than it did for the current school year, said Gwenn Judge, director of the Office of Budget and Planning, in an e-mail.
The increase in financial aid is mainly because more students will be entering in fall 2011 than leaving this spring, Judge said. The university will have more revenue from undergraduate tuition with this increase in students, she said.
Judge said there is no estimate of the amount of 2011-12 undergraduate financial aid available yet. SU reported $172.9 million in undergraduate financial aid for the 2010-11 school year, according to the Fiscal Year 2011 Budget. The budget is based on a university fiscal year, from July 1 to June 30.
SU plans to admit 12,500 students and eventually enroll 3,350 freshmen for fall 2011, said Don Saleh, vice president for enrollment management.
Although the dollar amount of financial aid will increase, the percent of the university's budget dedicated to financial aid is expected to stay about the same, Saleh said.
The university reported $461.9 million in revenue from undergraduate tuition for the current school year, according to the 2011 budget. The approximately $173 million provided by the university in financial aid is more than 37 percent of the tuition amount it took in.
Over the past five fiscal years, including this year, the university has increased the amount of financial aid given to undergraduate students. SU reported more revenue from undergraduate tuition every year since the 2006-07 budget was released.
The trend will continue this year.
"As in the past few years, the university's financial aid budget will increase to the amount necessary to meet the financial needs of our students," said Youlonda Copeland-Morgan, associate vice president for enrollment management and director of scholarships and student aid, in an e-mail.
SU has received about 12,000 FAFSA forms and approximately 10,000 CSS Profile forms as of Tuesday, said Kaye DeVesty, director of the Office of Financial Aid and Scholarship Programs. SU requires both forms, so the roughly 10,000 prospective students who filed the CSS Profile also filed the FAFSA, she said.
For the 2011-12 school year, SU is participating solely in the William D. Ford Federal Direct Loan program, offered to universities by the U.S. Department of Education, DeVesty said.
The program offers low interest rates, generous repayment benefits and reasonable borrowing limits, she said. Private education loans have higher interest rates than the direct program, DeVesty said.
And more good news may be on the way for students, she said.
On Monday, President Barack Obama proposed a 2012 Department of Education budget that would retain the maximum Pell grant — which provides federal aid to low-income undergraduates — at $5,550 per student, according to an article published in The New York Times on Tuesday.
Other aspects are taken into consideration during the financial aid process, including how many siblings students have in college, DeVesty said. If students decide not to fill out the FAFSA, SU can't determine what to offer them in financial aid, she said.
Returning students for fall 2011 can expect similar financial aid amounts to what they received this year, provided the information on their FAFSA and CSS Profile stays nearly the same, DeVesty said. Returning students are required to file the two forms by April 15 and will receive their financial aid notifications in June.
DeVesty said her office tells students that filing the forms is a requirement, and she sends her staff into the Syracuse community to help students fill out the forms. It's a struggle to get students to complete the forms because the first time filling them out can be a daunting experience, she said.
Jared Kissler, a senior at Pascack Valley High School in Hillsdale, N.J., said he didn't apply for financial aid because his father is funding his college education.
Kissler, who applied to SU early decision and was accepted into the College of Visual and Performing Arts, said he doesn't know if his family income would've gotten him any financial aid even if he had applied. But that doesn't mean he wouldn't have liked to receive any.
"I guess it would help," he said. "Obviously, any money helps."

source:dailyorange

financial aid for hiv patients

Being HIV positive often prevents people from working, which can lead to stress related to their inability to support themselves and pay their bills on time. Luckily, there are several programs available to people living with HIV that can help provide financial assistance. Your local AIDS organization may be able to refer you to appropriate programs, but it's important to understand the available options.

Instructions

1Talk to a social worker or case manager at your local AIDS organization about available financial assistance programs for people who are HIV positive. You will be required to apply to these programs, and you should expect to wait for several weeks before seeing results. When submitting your applications for these programs, you will be required to provide information about your financial status, work experience and medical history.

2Seek out benefits programs to help cover the expenses of your HIV medications. The United States government runs the AIDS Drug Assistance Program, referred to as ADAP, which provides free HIV medications to people living with HIV. You must apply and qualify for this and other drug-assistance programs located throughout the country, but generally the income restrictions are less strict than other financial assistance programs.

3Apply for the federal-welfare program, also known as Supplement Security Income. Through this program, people who either have extremely low incomes or suffer from long-term disabilities are given monthly stipends. Being HIV positive fits the criteria of a disability or disease that will last at least 1 year or cause death.

4Expect that the size of your welfare check will be determined by the state you live in and your work history. United States citizens who work contribute to Social Security with each paycheck, so this amount is used to determine the amount of money you will receive each month.

5Visit your local public-assistance office to apply for programs like food stamps, which provides a certain amount of money each month to purchase groceries at participating stores. Medicare coverage is also available through this office, and it is designed for people over the age of 65 and those with disabilities, including HIV. Medicare can be extremely helpful when paying for large portions of your medical and prescription costs.

Source:eHow

cps school data financial aid

CHICAGO - A unique partnership between the Illinois Student Assistance Commission (ISAC) and Chicago Public Schools (CPS) is allowing the nation’s third-largest school district to effectively identify potentially college-bound students and provide timely financial aid guidance through the often confusing application process.

Through the partnership, ISAC provides a data analysis of those completing the Free Application for Federal Student Aid (FAFSA) to CPS, allowing the district to effectively track its students and intervene to ensure those eligible for financial aid have the best chance at receiving it.

“Here is a tremendous example of intergovernmental cooperation at all levels,” said ISAC Executive Director Andrew Davis. “A local school district utilizing the service of a state agency to crunch federal data to benefit students - This is how government for the people should work.”

By completing and submitting a FAFSA, a typical CPS student can qualify up to approximately $10,000 in need-based grant money. ISAC was the first agency to eliminate its own grant application in favor of utilizing the FAFSA, simplifying the financial aid process for Illinois residents. Thus, the FAFSA is the key to acquiring both federal and state aid.

“The partnership between Chicago Public Schools and ISAC is probably the most unique approach for improving the number of students completing the FAFSA application in the country,” added Greg Darnieder, Director of CPS’ Department of College and Career Preparation. “This unique arrangement gives school counselors and Department of College & Career Preparation personnel the ability to monitor and give support to each of our 18,000 seniors in a timely manner with updates distributed each week for 6 months.”

February is College Awareness and Preparation (CAP) Month, and CPS high schools will host more than 75 different FAFSA completion and financial aid-related workshops and activities across the district. Students and parents are asked to attend these workshops where staff and, at some locations, ISAC and college financial aid experts will be on hand to assist families with FAFSA completion. In some locations, tax experts from non-profit organizations will also be present.

The Illinois Student Assistance Commission (ISAC) provides students of all ages and backgrounds with the resources and support to obtain financial aid for higher education. This spring, ISAC has committed to participate in 282 such workshops and presentations throughout the state.

A state agency, ISAC has paved the path to post-secondary education with innovative programs for more than 50 years. Last year alone, ISAC continued its mission to make college affordable for Illinois students by issuing 185,000 grants and scholarships totaling more than $448 million.

source:college zone

student financial aid if qualified

Qualifying for financial aid

Two-thirds of all full-time undergraduate students receive some kind of financial aid. Even if you think your child will not qualify for student financial aid, take the time to apply.
You may be pleasantly surprised.

Kinds of financial aid:
Scholarships and grants
Student loans
Federal Work-Study aid

You can only receive financial aid if you (or your child) apply for it. How much you get is determined by the federal government's financial aid analysis and the college's financial aid office.
Qualifying for financial aid
To qualify for financial aid, your child must meet the following requirements:
Have financial need.
Have a high school diploma or General Education Development (GED) certificate, or pass a test approved by the U.S. Department of Education.
Have a valid Social Security number (unless from the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau).
Be enrolled in an eligible associate, bachelor, or graduate degree program.
Be a U.S. citizen or an eligible non-citizen.
Maintain satisfactory academic progress while in school.
Certify that he or she will only use federal student aid for education purposes.
Certify he or she is not in default on a federal student loan and does not owe money on a federal student grant.
Comply with Selective Service registration, if required.
The U.S. Department of Education may compare information with these federal agencies:
Social Security Administration to verify Social Security numbers and citizenship status.
Selective Service System to verify Selective Service registration status, if applicable.
Citizenship and Immigration Services (USCIS) (formerly the Immigration and Naturalization Service, INS) to verify eligible non-citizen status, if applicable.
U.S. Department of Justice to verify that an applicant has not been denied federal student aid by the courts as the result of a drug-related conviction.
U.S. Department of Veterans Affairs to verify veteran status, if applicable.
Applying for financial aid
The Free Application for Federal Student Aid (FAFSA) is the starting point for most student financial assistance. Many states and schools use the FAFSA as part of their aid application process.
Learn more about completing and submitting your FAFSA.

financial aid student appeal letters

Is Diversity In Education Essential?

Is Diversity in Education Essential?

During the course of this essay I will present a response to the letter "Education as a commodity" and explain why I disagree with Guerber's weakly substantiated argument. I shall address the three prevalent premises offered by the author, while further critically evaluating and revealing their flaws, truths or irrelevances.

It is clear from the letter, the author has concluded that universities who take diversity into account when selecting future students, are doing so wrongly. He believes it is unfair and irrelevant to education. "It does not, and should not, educate one group of people over another because of their race." (Guerber 1999). This topic of affirmative action, quotas and diversity in university selection, is a much talked about subject, especially in the United States of America. With regards to this essay I shall concentrate on the issue in America, as it is most relevant to the article.

letter, he argues that students purchase ONLY an education of universities and nothing else should be included in this equation and that diversity therefore is irrelevant.

Looking at this sweeping statement's reasoning logically, it can be plainly seen that the correlation from the one statement to the other, is not completely justified. In order for him to make that particular statement true, he would have to answer the questions: Does or should education include diversity, or is diversity essential to a good education? If he himself had answered those questions, then perhaps there would be no need for me to write this essay.

He solely views education as a commodity. A traded item, that is an item that is bought and sold. Unfortunately education is a unique product. It is paid for but it is not sold. Education is earned through hard work, learning, critical thought and studying. Education is the transfer of skills that accompanies growth and maturity, which transforms a...

source:oppears

certified financial planner job openings

Certified Financial Planner jobs may require the candidates to develop and manage ongoing and regular client contacts and communications, watch over client services, including plan creation, updates, portfolio changes and reviews, returns and new opportunity identification.
Some Certified Financial Planner jobs could require preparation of follow-up letters to clients/prospects after a meeting, follow-up with clients to implement plan recommendations, maintain contact with client to revise plan based on changing needs of the client.
Certified Financial Planner jobs may require a Bachelors Degree in Finance, Economics or Mathematics, CFP ® License and 3 to 5 years Financial Planning Experience.
Please note that very few Stephen James Associates’ executive positions are advertised or posted on our web site, for reasons of confidentiality and careful selection. For further information regarding available opportunities or services we offer, please contact the office nearest to you by visiting our locations pages
    We are interested, in speaking with you about your qualifications, and would like to keep you apprised, of future opportunities. Please contact us today by filling out our form below.

    source:webcast

    Islamic Financial Planner vs Financial Planner

    Although Islamic financial planning has been introduced a long time, but still many people are confused about the concept. What is the difference between the Islamic Financial Planner vs Financial Planner. (conventional)?

    Financial planning is the steps taken to manage, regulate financial affairs in order to achieve financial goals, life goals and lifestyle. In a simple concept, the conventional financial planning was formed to improve the quality of life, but in Islamic financial planning, financial planning becomes greater meaning, in addition to managing the finances for the sake of worldly, the concept of Islamic financial planning is also aiming for the life hereafter. It's like "once a paddle, 2-3 islands exceeded.



    From the table above, we can see the difference between the Islamic Financial Planner Financial Planner vs. Islamic financial planning should adhere to the Shari'a, there is a need for Muslims to understand their two major roles, as a human being and as a servant of God. All that have been set in the Book and Sunnah holy apostles.

    So, of all these differences, the biggest difference between the Islamic Financial Planner Financial Planner vs. lies in is to get falaah or prosperity That leads a good life in this world and the Hereafter. Thus, Muslims have to plan and achieve good in the world and the hereafter. Is not this what we want?

    Next time I will discuss the Management Information Systems and Financial Institutions with Islamic based.

    IRRESPONSIBLE LENDING FROM THE CREDIT INDUSTRY

    By Matthew Parkinson

    WHY WON’T THE GOVERNMENT STOP IRRESPONSIBLE LENDING FROM THE CREDIT INDUSTRY?

    It is not uncommon for credit card companies to offer credit limits of £10,000, £15,000 or even as much as £25,000 – allowing you to effectively walk into a car dealership and buy a brand new car by signing on the dotted line and then driving away!

    To whom do they offer these limits?
    ü Anyone earning more then £100,000 per year?
    ü Company Directors?
    ü Solicitors?
    ü Members of Parliament?

    No.

    They are offering these limits to retired widows, low-income families and single parents working 16 hours per week. People who have no ability whatsoever to repay such huge sums of money.

    Hard to believe isn’t it? But Payplan, a free debt management company who deals with thousands of individuals with debt problems each week, have come across many unbelievable cases of “irresponsible lending” over the last few years and the problem appears to be getting worse. There are now more than 300 different credit cards on offer in the UK – all competing for your business.

    They will use attractive offers to get you to sign up, such as cash back, 0% interest on balance transfers and purchases, loyalty points etc – All designed to make you spend more on your cards so that you then pay them interest out of your hard-earned cash.
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    These offers are often deliberately confusing and complex in the hope that customers will fall foul and not qualify, resulting in interest being charged.

    “Britain's personal debt is increasing by £1 million every four minutes.”


    Gone are the days where borrowing money involved making an appointment with your bank manager and turning up in your best Sunday suit to make a good impression then politely explaining why you needed the money.

    But it isn’t just the new credit card companies that are doing this – the high street banks are guilty of overloading their customers with credit facilities too.

    The former “Big 5 Banks” are probably most guilty of this; once a customer runs up a large overdraft they are quick to offer a consolidation loan, which may also incorporate any credit card debts. While this seems like a good financial move, many customers find that the interest rates charged by the banks are extremely high and the temptation of overdrafts and credit cards still remain.

    Should the credit cards, store cards, catalogues and overdrafts start to creep up once again, the banks may intervene a second time and allow a large unsecured personal loan of up to £25,000 to clear some or all of the debts.

    This only causes further problems and does not allow the customers a realistic opportunity to resolve the problems – they really need budgeting advice, and LESS credit facilities.

    Once these large loans have been taken then it means that all the customers “eggs are in one basket” – this stops the customer from seeking professional help as there is only one creditor to negotiate with and they will require all the monthly surplus.

    SO WHY DO THE BANKS LEND SUCH HUGE SUMS WITHOUT ENSURING THAT CUSTOMERS CAN REPAY?

    We can only speculate but there could be several reasons:

    1. Banks and credit card companies could take insurance against the risk that their customers become insolvent. Credit insurance premiums generally cost between 0.3 - 0.7% of annual turnover – a small price to pay for a guarantee against irresponsible lending!
    2. It may be that companies have calculated just how much extra interest can be earned from customers if they provide them with such high credit limits. By overcommiting customers they know that extra interest and charges will be added.
    3. In light of recent comments from HSBC and Barclays who have been blaming “bad debtors” for their drop in share price – it could simply be a diversionary tactic!



    WHY WON’T THE GOVERNMENT INTERVENE?

    The wheels are in motion to make creditors more accountable for irresponsible lending, (Lloyds TSB have been in trouble recently for unsecured lending of up to £100,000!) but there is little rush from Gordon Brown’s Office as the UK’s economy continues to hit growth projections aided by massive consumer spending.

    “Household final consumption expenditure is the largest single component of the expenditure measure of GDP, accounting for about 50% of spending.”

    In other words, the more money spent by the UK population, the higher the GDP (Gross Domestic Product) and this means more money is pumped into the economy.


    If you feel that you have lost control of your credit card and loan repayments or that you have borrowed more than you can pay back, then give Payplan a quick call on 0800 716 239 or visit the website for further details www.payplan.com

    Payplan are a free debt advice agency, who are able to provide a personal solution to anyone experiencing debt problems.


    About the author:
    I have been working as a Debt Advisor in the UK for the last 5 years, assisting families who have been overwhelmed with debt.