Zero Debt Education

Monday, July 6, 2015

Will Government Grants Encourage Moms To Earn A Degree

If someone had to ask you to explain a government grant, could you? Many are uncertain as to what it means exactly. Nevertheless the government under the much admired current administration is working hard to help working mothers in returning to college. It’s interesting to note that such federal programs as ones assisting mothers in attending college are not a new phenomenon’s instead they are existing government benefits that have been improved upon and made more aware of to the public. As a mom the idea of going back to college maybe a dream you never thought could be fulfilled now it can through the Pell grants a huge asset to any potential student.

The Federal Pell grants has existed over many years making it one of the many familiar types of government financial aid for the furtherance of college. The Pell grant plays a huge advantage to any student awarded such aid as it does not require repayment at the end typical of a normal loan. You may wonder who can be awarded the Pell grant? In general such aid is normally given to students who do not already have a professional degree or bachelors but seek an undergraduate degree. The Scholarship for mom’s program with its two distinct advantages has caused a huge stir amongst single, working moms. The current president as well as his administration is encouraging mothers to attend college through the funds which have been made available through the Pell grants although there is no specific program given.

The Pell grant has a further advantage besides it being a monetary gift in that it does not place restrictions when it comes to sourcing other financial aids. If you require further assistance in covering educational costs application can be made through both the federal programs and non-federal private organizations. The Pell grant provides the highest amount of $ 5,350.00 during the award year which begins on the 1st of July 2009 to the 30th June 2010. It’s unlikely that this amount will cover your full college expenses it does not restrict you from applying to other sources. Further the awarded money does not prevent you from using it other then for tuition. Educational costs may also include housing, books, laptops and housing as acceptable expenses.

The Pell grant program and its benefits have been showcased since attention to education has been highlighted through the current administration making the scholarships for moms’ a must. The specifics of this federal program are very conducive for single, wo rking mothers to become students who are earning a degree. College no longer has to be just a dream because of family or financial needs.

More students are now thinking of college as an option with a government grant funded through the federal Pell grant program. This is exactly true for all those working mothers. Single mothers working full-time are specifically being encouraged by the current administration to take advantage and earn a degree. The current administration is heartily cheering for single, full-time working mothers to apply for college and earn a degree. Your future could be much brighter than you realize.

So much could change your future for the better.

Sunday, July 5, 2015

Insurance Continuing Education - Elevation Certificates

An Elevation Certificate (EC) is mandatory on Post-FIRM construction, but is optional on Pre-FIRM construction. It is required by the NFIP so that it can be certified by the NFIP as to the lowest floor of a building so that the policy can be properly rated:

POST-FIRM STRUCTURES

The EC is to be completed by a land surveyor, engineer or architect who is authorized to certify elevation information when it is required for Zones A1-A30, AE, AH, A(with base flood elevations), V1-V30, VE and V (with BFEs). Community officials who are authorized to complete this form may do so also. For Zones AO and A (without BFEs) a building official, a property owner, or an owner’s representative may also provide the information on this certification. If the community is a CRS participating community, building elevation information may be available through the community official.

The lowest adjacent grade and diagram number are required for all new business applications effective on or after October 1, 1997 if the elevation certification date is on or after that date.

PRE-FIRM STRUCTURES RATED UNDER POST-FIRM RATES

Pre-FIRM construction can be elevation rated using the Post-FIRM EC rates, which are more favorable if the lowest floor of the building is at or above the BFE for the community. Generally, the lowest floor level of a Pre-FIRM building is below the BFE, and it would not benefit the insured to pay the cost of the EC in an attempt to secure a later rate, but this is an insured’s option.

AR AND AR DUAL ZONES

The EC is optional on all Post-FIRM and Pre-FIRM construction located in AR and AR dual Zones. The decision to obtain an EC and to request Post-FIRM rating is at the discretion of the insured. The EC includes the AR and AR dual Zone elevation requirements.

The producer is to attach the original of the completed EC to the Application. A photocopy is to be forwarded to the policyholder and a copy is retained by the producer.

PHOTO REQUIREMENTS

All new business application, including transfer of business, for elevation rated risks with a policy effective date of 1/1/07, or later, must be submitted with at least two recent photographs that show the front and back of the building and are taken and dated within 90 days of the submission date. If the building is a split-level or has multi-level areas at ground level, at least two additional photographs showing views of both sides of the building must be submitted.

This requirement applies to all renewal and endorsement transactions adding elevation rating effective on or after 1/1/07.

The photographs must be submitted on the Building Photographs form that is part of the Elevation Certificate, and must include the date the photographs were taken. All photographs must measure at least 3″ x 3″ and provide a good, clear image of the building’s distinguishing features. Analog or digital photographs are acceptable. Color photographs are preferred.

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continuing education insurance

insurance continuing education

insurance continuing education online

continuing education insurance

Saturday, July 4, 2015

Pursue a Degree with Easy scholarships

Education is for all. Students who do not have impressive scholastic records also have a chance to get free scholarship grants. Scholarships are not only for smart people. There are easy free scholarships applications that you can avail without asking for many requirements. Some of them do not need you to apply and undergo a long process of screening and tests. It is considered easy because the competition is not stiff and the program is something that fits your passion. If you are a senior, a member of a minority or an ordinary citizen with a job but who wants to pursue another degree, then this program perfectly fits you. Is this for real? Certainly.

Some Scholarships Worth Considering A lot of scholarship programs are waiting for the fortunate qualified applicants. There are scholarships that only need you to fill up their electronic forms such as the Cappex “A GPA Isn’t Everything” Scholarship. Don’t worry, there are no grade requirements but if you qualify, you can instantly receive $ 1,000 award. The Wells Fargo Scholarship Program needs applicants to sign up in their site. They will, then, draw the lucky winners of $ 1,000 financial assistance for the said scholarship. Dads who want to continue their education can also apply for the Scholarships 4 Dads, a scholarship program sponsored by the government and had been proven and tested by lots of scholars for years now. All you need to do is to log in to the FAFSA website, fill up the forms and present the papers to your school and apply. You have to seek advice from the Financial Aid Officer of your school and ask whether you qualify for the scholarship.

How Can We Avail of Easy Scholarships?As mentioned, we need to fill up forms posted on special sites and wait for our luck. Other programs may also require you to write a very short essay like 350 words for your opinion on a given issue. You can also directly ask help from a federal office and ask for possible scholarships. Some scholarships also need applicants to sign up in their site, participate in forums and promote their site.

How Can We Know If It Is for Real? When a site asks for a certain amount out rightly, that is one indication that everything is a scam. You need not pay for these scholarships, except for mailing and processing fees. The program can also be a scam if it is too good to be true and it is not recognized in other organizations or sites. If in any case, you might be a victim of an online scam, feel free to contact the Department of Education’s office for assistance. They will track down online sites and freelance individuals involved on any kind of online scam.

Students who do not have impressive scholastic records also have a chance to get free scholarship grants. Scholarships are not only for smart people. There are easy free scholarships applications that you can avail without asking for many requirements.

Searching Scholarship To Enter College

To some students, entering college is difficult because of all financial matters that they and their families have been dealing with. On the average, a student has to pay $ 20,000 a year for fee, not including other personal expenses for the whole school year. That’s the reason why finishing or even applying college is far harder than you can know, unless your families can afford more than the money you spend. However, college is still a dream which can come true for students like you.

Not anymore, with several thousands scholarships out there, you can easily go to college for less, even for free!

But you have to remember first that not all college scholarship grants are created equal. There are those that answers partial expenses. There are those that answer full. There are other scholarships that provide the need of minorities, particular degree the student would like to take, particular race, etc.

The question right now is: How can you locate and pinpoint a particular scholarship that is perfectly right for you?

The answer: By using college scholarship search.

This search is the best tool you can use if you want to search for a particular grant that fits you and your need. The search is far better than using the conventional search engines like Google and Yahoo if you want to locate a scholarship grant.

With this search, you have the access on the online database that can contain as much as 50,000 college funding sources. You can also have an access to millions of individual awards that is equivalent to at least 3 billion dollars worth of scholarships.

To have an access on these sites, all you have to do is to enter your personal information including your name, age, birthday, address, e-mail address, citizenship, and race among others. Other search tools would require you to give your academic information about yourself. This would include your past scholarship grants and awards received.

This search will give you the ultimate ease that would lead you to the best and most suited scholarship you can get. And the best thing about using this is that, you don’t have to search far and spend too much time on the web. The college scholarship search is all you need.

Low Jeremy has been writing articles for a number of years now. He contributes informative articles on various topics like health, interior design and product reviews for websites. His latest contribution can be found over at http://www.largepictureframes.net where he share tips on choosing large picture frames and other interior design ideas.

Friday, July 3, 2015

Best educational websites

As parents, you always want to find the best things for your children, especially to invest money and time for what serve children’s best study. Besides good learning and teaching methods and environment, you will certainly seek for good educational facilities, and online education methods are proved to be the best choice for you.

According to experts, online learning has certain advantages to learners through its face-to-face instruction. You can find the vast resources on the Internet to look for great educational sites which keep your kids focused on learning. Let’s take a closer look at the best and useful educational websites for children and students as follows:

ted.com

TED is the abbreviation of three worlds: Technology, Entertainment, Design. It is a body which invites inspirational people to the conference to share their ideas on the world, technology, design and more and videos the results and archives them.

ted.com

2- historytoday.com

Registering for free, you can browse via hundreds of articles from the popular magazine. They are also classified into groups and are easily readable.

historytoday.com

nationalgeographic.com

The American magazine covers a large series of subjects from space and the environment to animals and even world music, and this website includes the best living things inside the world.

nationalgeographic.com

www.nasa.gov

This site includes videos, podcasts, a vast photo archive, 3-D image files, and pages for missions where you can look at raw data for the whole earth.

www.nasa.gov

howstuffworks.com

This website is comprised of expertly written articles explaining everything under the sun from how a Taser is put together to the history of the earth. Moreover, hundreds of videos are supplemented to clarify each article.

howstuffworks.com

discovery.com

Discovery, as its name suggests, is the online dictionary supplying every science knowledge via lively images or best quality videos for those who are interested in discovering the world.

bbc.co.uk/nature

This website consists of a simple collection of video clips and is chosen from 370 animals to see related footage.

pbs.org

PBS is a publicly funded American TV channel with a focus on science, the arts, and history. You may also watch the whole shows or browse their excellent, richly detailed sites.

Related links:

Top 3 Social Networking Websites

Interactive Educational Tools For Children

Using Educational Software Helps

I am the economic expert and analyze the economic situations in the world. Currently, I often address lectures on economic solutions to students and supply advice for companies and firms.

Zadroga Claim is Aids Financial Back-up

Claims are meant to provide financial aid to those people, who might have suffered an illness or injury during their work hours in a particular company. Well, these claims enable them to get proper medical treatment, medicines and health care to come out of troublesome situation. So, now, Zadroga claim is also meant to provide the same benefits to the employees of various companies that had office in World Trade Center, which collapsed due to terror attacks of 9/11. Every one of you might be thinking that what does this claim is meant and where it got the name? To answer, let us first consider the feature of this Zadroga claim. It is because this particular claim has been strategized by the government of United States to provide pecuniary assistance to the victims of that terror attack.

As per the Zadroga claim, the employees of various companies or the people involved in “Ground Zero Debris Clearance” are entitled to particular amount as remuneration from United States government. In fact, the said amount varies according to the level of problem or ailment occurred with the sufferers. If the sufferer has got permanent disability, his amount would differ from the one given to the family of the dead employee. Apart from this, Zadroga claim also empowers the victims to get excellent health services that otherwise might not have been possible because of lack of capital. Indeed, this claim is like an extended help by the government to their people for improvising their lifestyle.

Now, let us check out the question of Zadroga claim getting its name. So, this claim got its name from a brave police officer of United States called as James Zadroga. He was among the main people, who were involved in Ground Clearance and had spent more than 450 hours in saving the lives of many victims. While spending such a longtime in the debris clearance, he developed a high amount of respiratory disorder that, generally, occurs because of a toxic material involved in the building material that in known as Asbestos. In carrying out the rescue operation, he inhaled a huge amount of Asbestos and died due to this respiratory problem. In order to honor his task and valor, United States government gave the helping Act his name.

if you or anyone known to you is among the claimants of Zadroga claim; then, it is better to contact an expert lawyer, who must have the detailed knowledge of the Act. This will definitely enable him to chalk out strategies that will benefit his clients in getting rightful compensation. To prove your point in the court of law and get the remuneration, it is essential for you to produce all the related medical documents, hospital bills and reports that must confirm your medical problem and its level of severity. On doing this, the court will sanction a particular amount decided as per your ailment that will empower you to get brilliant medical facilities to get perfectly fine.

Zadroga claim is the extended financial aid provided by United States government to the victims of 9/11 terror attacks for better medical facilities. It requires production of validated medical bills for claiming remuneration.

Asbestos is a substance that can result in cancerous infection. To protect the rights of asbestos victims, US government has come up with Zadroga Act. Carl Schmidt is an expert lawyer, who deals in saving such victims and getting deserved compensation from their employers.

Obama Grants For Mothers: A College Education Within Reach

If you want to be successful, getting a good education is a good start. The President has on many occasions emphasized the need for a strong education system. Many important people are focused on increasing scholarship opportunities and improving education.

Expenses like college tuition and housing grow even as the economy suffers. Besides tuition and housing, fees for books, travel and eating are often not covered. Many potential students suffer and are unable to afford to go to college. One group that is particularly hit hard is single mothers. More education helps single mothers achieve on their jobs and take care of their families. It’s important to the President and that’s why he’s implemented a program for scholarships for mothers. Federal Pell Grants have now been fondly called Obama grants. To help with university costs, a student can earn more than $ 5,000. The primary goal is to encourage single moms to return to school, and by 2012 they could receive as much as $ 5,400. Working mothers can pay for tuition and books or even daycare if that allows them to attend school.

There’s also another great program: the American Opportunity Tax Credit. Under this incentive program, education costs up to $ 4,000 are cleared. Especially for less expensive schools, $ 4,000 could be a significant help for a student. Since many single working mothers have low incomes, these programs are a major help. Students have numerous school options: full-time or part-time, 2-year or 4-year college, multiple majors. Now the expenses are just a little lighter, and eager mothers can enroll in school.

Obama’s efforts to improve education show that he takes this issue seriously. The new stimulus package has some benefits for potential college students. In addition, the government is focusing on helping schools improve teaching and students improve performance. There is also emphasis on encouraging more students to consider community college. A 2-year degree or the time spent learning a technical school from a community college can be a tremendous asset.

In his Reclaiming the American Dream speech in 2007, Obama said, “We need to put a college education within reach of every American. That’s the best investment we can make in our future.” President Obama has shown he is serious about action. If the goal is to educate as many as possible, making grants available for mothers is a good step. Traditional and non-traditional students alike have numerous opportunities to put their education first.

So what’s holding you back? Take advantage of a ,000 scholarship drawing. Registration is free if you visit http://www.scholarshipsformomsfinder.info/