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.



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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




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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.




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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.



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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.




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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.


Read more: http://877wtchero.com



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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/



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Wednesday, July 1, 2015

Federal Court Records Available

One can collect lot of information from Federal court records for various purposes. A person who wants to let his house for rent to an unknown person has to be careful with the new tenant. A person cannot be judged on his decent looks alone. Even some educated person indulges in criminal activities and it poses as a big problem if we fail to the trace his background before letting the house.


A federal court record gives you information about an individual’s history. The information includes the name, date and the place of birth, height, weight and the offence committed. It also gives information of the date and place of arrest, by whom the arrest was made, under which sections arrests were made, whether convicted or fine paid and so on. With these details you can judge a person and know the background of a particular person. People of United States use federal court records to know the background of the person whom they hire as a paid servant for their house.


Federal court records can be accessed from the court house. But since it was time consuming people found it difficult and online access to federal court records have been used by most of the individuals and organizations. There are many free and paid websites that has federal court records in the form of data base. Some time you may not get the required information from the free criminal records search websites. In such cases you can avail the service of the paid websites to get clear and correct information. Also the search can be done secretly from your seat through online. Just by feeding the first name, last name and the place of birth, you will get the result through internet in a few minutes.


Some time any of your new neighbors may look suspicious and you would be put under embarrassing situation to find out the background of the particular person. With online federal court records you can easily access the required information to know the history of the person. Many employers use federal court records before appointing the applicant for responsible jobs where they deal with millions of dollars.


The trend of appointing a private investigator by paying huge sum to find out the background of a person has gone. Now for the safety of our house and organization we have easy way of finding the background of an individual with the electronic internet data base information system. In a single mouse click you will be able to get the details of an individual with his past and present criminal activities. Federal court records are open to the public, like the divorce records and birth records. Federal court records make nation wide search of an individual’s background. Hence most of the people prefer the online search for getting the information.



It is quite easy to obtain Federal Court Records online. I obtained the information I needed to help save my business Here!




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Tuesday, June 30, 2015

How To Choose A Good Education Consultant To Study Abroad?

Most of students who are keen to go abroad are often worried about choosing the right Overseas Education Consultants for themselves. Overseas education consultant plays a significant role starting from:


Deciding about the Country, University or College


They assist students in making Educational decisions i.e. by discussing the entire pro and corns of available options. This includes helping find the University or college placement that is good fit for students.


All know that every student cannot go to Howard or Cambridge university, So it become very important for a consultant to guide the student about which country to choose based upon the students long term vision for e.g. if student wants to study Medicine he/she could go and

study in China, Russia, Ukraine,Bulgaria or Guyana etc.; if student purpose is just to obtain PR and want to study any sought of diploma i.e. Diploma in Hospitality Management, Diploma in Business Management etc. relevant with their earlier experience and study, he/she could go for their Study in New Zealand, Study in UK etc. Similarly if the student wants to attain academic excellence, the best option would be to Study in USA.


Arranging the admission


Once the Education Consultants zero in the Country, University/College and Course for the applicant, the foremost responsibility of the consultant is to help applicant in completing the admission formalities, highlight the areas essential for a well-presentation. Follow up with the chosen university/college to ensure a positive and quick response. Send recommendations, highlighting the student’s strengths and reasons as to why he/she should be granted admission.


Financial requirements for the studies


Education Consultants even enlightens and guides the student for the finances required and also facilitate the student to arrange all the financial documents in time and in the required format depending upon their period of stay to study abroad.


Here it becomes essential to choose an effective Education Consultants and adopt a backward time management methodology. A well-planned methodology must be executed by student to save time and money. An experienced Education Consultants can save both and can send you for your desired course on time.


Guiding the student in obtaining student visa


Thereafter Education Consultants assist the applicant to prepare the Visa application, guide students for financial statements and help to prepare the file to meet the requirements of Embassies and to ensure visa success


Fee transfer


When the Visa of applicant is approved, Education Consultants supports the applicant to transfer his/her fees through an appropriate means from trusted financial institution.


Arranging relevant accommodation as per the students budget


In case if the applicant is in a need for accommodation, Education Consultants arranges an accommodation matching as per the suitability of the applicant needs and budget.


Airport Pick up of the student


Nevertheless Education Consultants ensures that applicant is safely picked up from the airport and is relocated to his/her accommodation premises of the country.


Travel Arrangements


In addition, Education Consultants provides assistance with travel arrangements such as foreign currency, insurance, bank account in foreign country, mobile phone service in foreign country etc.


FOR FINDING OUT AN EFFECTIVE AND EFFICIENT OVERSEAS EDUCATION CONSULTANTS, STUDENT NEEDS THE SEE THE FOLLOWING:


Here the applicant must look in to the below aspects carefully while they search for a good Education Consultants. The below aspects marks the end-to end services given by the Education Consultants and suggestions to find out an effective and efficient Education Consultants to ensure better future and better life ahead.


Option of countries given by a consultant


To determine if the country option given by your Education Consultants is right for you, check if the qualification offered is internationally recognized, job prospects in that country are bright after completing the course and does the living expense and living style matches your suitability. The clarity could be obtained by comparing two to three suitable country options.


Previous experience and history of success with an education consultant


Check as to since how many years that Education Consultants is been into practice for recruiting students overseas and what is the success ratio of the visa it has attained. You can ask your Education Consultants to show you the some copy of previous visas, offer letters, sample visa file etc. A good Education Consultants always maintains and keeps the records of their earlier applicants.


Has a breadth of contacts in the education industry


Establish as to how many prominent contacts your Education Consultants have, relevant to overseas education i.e. contacts with the International Officers, counselors, Visa Officers etc.


Been recommended by old students


It becomes easy to believe and obvious to select an Education Consultants if it has been recommended by any of the old student, who may or may not be your friend. This source is often reliable and the advice given is truly genuine. Try to get in touch with some of old students enrolled in the same college of the same country, to verify the suitability of the option chosen. Ask your Education Consultants if they can provide you with some of the previous references of the students.


Previous history of a university or the college being recommended by the consultant


To know about the previous history of a university or the college being recommended by your Education Consultants, study the website of that University or college thoroughly. Studying previous history of the college and the University helps in knowing the years of its existence and background. The more the years of its existence and the clear its background, the relevant is your choice of university.


Additional incentives like scholarship, part time job placement, sports options or hostel facilities offered by the universities recommended by the consultant.


A good Education Consultants not just seeks good University, College or course for the student but in addition offers eminent incentives such as availing scholarships if academics of the applicant are good, seeking assistance from college to provide part time job placement to the student and encourage student to participate in the sports activities of his/her excellence by availing Sport scholarship, if available in that particular college or university. Some Education Consultants even provides free Laptops, SIM cards etc. to the students, seeking it as advantage from college/University.




Author is an export on overseas education. Here he explain about Study in new zealand. If you know more about study overseas then,visit:www.wclincorporation.com/




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Teen Courts And Law-Related Education

Teen courts, a term used here to include youth courts, peer juries, peer courts, student courts, and other courts using juveniles in determining the sentences of juvenile offenders, have rapidly gained popularity in the 1990s. In 1991 there were over 50 teen courts in 14 states; by 1999, the number of teen courts had grown to more than 500 in 45 states and Washington, DC. The growing popularity of teen courts is compelling evidence that they are fulfilling a recognized need.

TYPES AND FUNCTIONS OF TEEN COURTS.

Teen courts involve juveniles in the sentencing of other juveniles, in either a school or a community setting. Young people usually serve as jurors and may also fill the roles of prosecuting attorney, defense attorney, judge, bailiff, or other officers of the court. Young offenders usually are referred to a teen court for sentencing, not for a judgment of guilt or innocence. And many teen courts accept only first-time offenders who have committed relatively minor offenses, such as theft, alcohol/drug offenses, vandalism, and disorderly conduct (Godwin 1996). There are, however, many different models of teen courts (see below), including some that determine guilt or innocence.

Young offenders voluntarily choose teen court, with parental approval, as an alternative to an existent sentencing agency or disciplinary office. Offenders who prefer legal representation and/or the regular court or disciplinary system can decline referral to teen courts.

Teen court sentences commonly include community service (1-200 hours), jury duty (up to 12 times), restitution, and apologies. Additional sentencing options include counseling, educational workshops on substance abuse or safe driving, essay writing, victim-awareness classes, curfews, drug testing, school attendance, and peer discussion groups.

Most teen courts are based in the juvenile justice system or in a community setting. The agencies most commonly operating or administering teen court programs are juvenile courts and private nonprofit organizations. Next are law enforcement agencies and juvenile probation departments. Schools operate about ten percent of teen courts, while a variety of other agencies (e.g., city government, the administrative office of the court) operate the remainder of teen courts (Godwin 1996).

The 1994 survey of teen courts by the American Probation and Parole Association (Godwin 1996) identified four distinct models: a peer jury model and three trial models. The Peer Jury Model employs a panel of teen jurors who question the offender directly. No defense or prosecuting attorney is employed. The judge is usually an adult volunteer.

The most common of the teen court models is the Adult Judge Model, which employs an adult judge to rule on courtroom procedure and clarify legal terminology, and youth volunteers as defense and prosecuting attorneys and jurors. Young people may also serve as bailiff and clerk. The Youth Judge Model is similar to the Adult Judge Model, except that a juvenile serves as judge, usually after service as a teen court attorney. Finally, the Tribunal Model has no peer jury. Instead, the prosecuting and defense attorneys present cases to a juvenile judge(s), who determines the sentence.

RELATIONSHIP TO LAW-RELATED EDUCATION (LRE) AND COMMUNITY SERVICE.

Teen courts and law-related education share many goals. The Law-Related Education Act of 1978 defined LRE as “Education to equip nonlawyers with knowledge and skills pertaining to the law, the legal process, and the legal system, and the fundamental principles and values on which these are based.” Teen courts do the same. Each teen court case teaches both the student volunteers from local secondary schools and the offenders about the rules or laws that were broken, the consequences of the offenses, and how due process is observed by court procedure. In addition, the volunteers and offenders learn about key LRE concepts of justice, power, equality, property, and liberty.

Teen courts also help to foster important values, attitudes, and beliefs similar to those of LRE generally. Participants voluntarily commit their time to teen courts in the pursuit of justice. Student volunteers demonstrate a belief in active and responsible participation in civic life, a respect for the rights of the offender and victim, and an appreciation for a legitimate response to societal conflicts through assigning appropriate responses to the offenses in question.

Teen courts also offer a uniquely experiential approach to LRE. Participants are real offenders in real situations, and volunteers must therefore learn the discipline of confidentiality. Teen court participants must weigh conflicting points of view and decide a just and appropriate sentence. They see first-hand the consequences of delinquent behavior. Teen court offenders learn through their own sentences the importance of community service.

STUDENT COURTS IN SCHOOLS.

Teen courts that handle only school referrals are receiving increasing attention from educators who are looking for ways to improve students’ citizenship skills and decrease problematic behavior. Some teen courts meet in schools, but accept referrals from organizations in the community such as the county probation department, juvenile court, police department or sheriff’s office. More often, student courts accept referrals only from within the school. Of course, student courts pose special challenges because of the complexity of creating new programs in schools.

Student courts are sometimes established to handle very limited types of offenses. One student court handles only traffic offenses on the school grounds, such as parking lot violations. Other student courts handle only truancy and smoking violations. Still others address a wide variety of offenses including insubordination, minor theft of student property, minor vandalism, fighting, cheating, and loitering.

Student courts’ memberships vary greatly from school to school. For instance, members of the jury in a trial model may be drawn from applicants throughout the student population by random selection among students in study hall, or from among trained student court members. Likewise, student courts employing students as judges or peer jurors may draw from applicants as diverse as the student body, or may use only the students specially trained as court officers, either as an extracurricular activity or as members of a law class meeting throughout the semester.


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Monday, June 29, 2015

Financial Incentives Can Hurt Performance

Now do I have your attention? I’ve written on the subject of motivation and incentives in the past, but recently have come across some additional information and research that continues to challenge conventional business wisdom as it relates to use of monetary incentives to encourage higher performance. In my almost 40 years of business experience, I have noticed that those who challenge conventional wisdom and go against the herd mentality often create competitive advantage.


Much of what I am going to cover in this article comes from two sources. One source is Dan Pink, who is author of Drive. I have heard several talks that he has made. The other source is a Harvard Business Review article written by Alfie Kohn, who wrote Punished by Rewards: The Trouble With Gold Stars, Incentive Plans, A’s, Praise and Other Bribes. Both sources come to the same basic conclusion—there is a disconnect between what science knows and what business does regarding the motivation of people. There is 40 years worth of research into human motivation that tends to get ignored in the design of most financial reward systems in place in the business world today.


In 2005, a paper was published documenting several experiments conducted by professors at MIT, Carnegie Mellon, and the University of Chicago Business School. The study was sponsored by the Federal Reserve Bank. The purpose of the experiments was to see whether high monetary rewards had a negative impact on performance. The experiments involved participants performing several tasks ranging from strictly physical to those requiring creativity, judgment, and conceptual thinking. The participants were told ahead of time what the reward would be for a given level of performance. The awards ranged from low to very high.


The results were the same in all three instances. The only situation where there was a correlation between the size of the reward and performance was for physical tasks where the amount of effort directly correlated with performance. However, when the task involved just the slightest amount of cognitive ability, performance was worse with the higher rewards. The large reward caused people to narrow their focus to the reward rather than the task. The bottom line of this and numerous other similar studies is that you cannot buy creativity and innovation with financial incentives.


Extrinsic motivation, or the “carrot and stick” approach only works for a short time and only on tasks that are repetitive and physical. Once the incentive or punishment is removed, motivation goes with it. Incentives and punishment do not alter the attitudes that underlie behaviors. Commitment comes from intrinsic motivation which is the internal desire to perform. Rewards do not impact intrinsic motivation.


In another study done in the mid-1980’s, Richard Guzzo, professor at the University of Maryland, correlated financial incentive programs to workforce productivity. The study involved data from 98 different studies on the subject. His findings were that there no correlation between financial incentives and productivity, absenteeism, or worker turnover. What he did find was that training and goal-setting programs had a greater impact on productivity that pay-for-performance plans.


This does not mean that money is not a motivator. People need to feel that they are paid fairly in order to be motivated. If you cut people’s pay in half, there certainly would be a negative impact on performance. However, if you doubled people’s pay, you won’t necessarily see better work. I have always found pay is a relative. No one ever has all the money that he or she wants. People need to feel that they are fairly compensated in relation to others doing the same work. One of the biggest issues affecting morale and motivation today is the perception that pay received by top level people in companies is out of line with the rank and file workers.


I think it is also important to distinguish between reward and recognition. Reward is an “if-then” proposition. If you do this, then you will receive that. It is established ahead of time. On the other hand, recognition is given after the fact. In 1977, my boss gave me a check for $ 20,000 authorized by the company president for a major cost savings project that I developed. At the time, this was close to a year’s salary. It was a total surprise. My motivation for this project was strictly intrinsic because I had no expectation of any type of financial reward.


As the research confirms, the “if-then” rewards only have an impact if you want people to produce more or work faster, and they have total control over the output. A farm worker picking vegetables would be an example where incentives would increase performance. However, most jobs in today’s work place are not this simple. They require people to think, reason, and be creative. In many cases, the worker does not have control over all of the factors which impact performance. It can be demotivating to have a reward which is influenced by factors outside the control of the person.


Ultimately, high performance comes from creating an environment where people are intrinsically motivated. According to research by Dan Pink, three factors contribute to intrinsic motivation. They are autonomy, mastery, and purpose. Autonomy is having the freedom to control and direct one’s own work. Mastery is the is the urge to get better. Purpose is being able to make a contribution. The more that jobs can be designed to incorporate these three factors, the less the need to use extrinsic motivation.


The point of all of this discussion is not to have everyone go out tomorrow and scrap all of their pay-for-performance systems. That would be impractical and probably create more problems that it solves. However, understanding the science behind motivation and rewards can help executives make better decisions in the future.



Ryan Scholz works with leaders whose success is dependent on getting commitment and high performance from others. He is author of Turning Potential into Action: Eight Principles for Creating a Highly Engaged Work Place. For more information, visit his web site at http://www.lead-strat-assoc.com.



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Spanish Educational Software

There are several Spanish educational softwares available on the internet today. Some of the software are designed for audio learners and some are designed to focus on other methods of learning. Depending on the level of interactivity you want will play a big role in the price you pay. So it’s best that you take the time to look really closely at each software to determine if the software is exactly what you need in order to learn effectively.


A Spanish Educational Software for Audio Learners: The best audio learning software available to you is Rocket Spanish. This program was developed by Rocket Languages and is one of the best Spanish educational software available to you that can be obtained at an incredible price compared to it’s competitors. The audio course contains three audio sessions of 31, 20, and 30 minutes which are lead into by an English speaker and followed up by a native Spanish speaker. Each session encourages you to speak a loud and work on your pronunciation. Eventually allowing you to build your Spanish vocabulary. Rocket Spanish also has a series of games to aid you in your learning. These games are mega verbs, mega vocab and mega audio.


Each of these games have been designed to focus on a specific area. When you master these areas you will have a sound understanding of reading, writing, speaking, and listening in Spanish. But no matter what software program you choose to learn with you will be very unlikely to become fluent in Spanish until you take the time to communicate with other Spanish speakers on a daily basis. Spanish educational programs are designed to teach you the fundamentals of how to communicate in Spanish. It’s up to you to build on those fundamentals and become fluent.


Another great Spanish Educational Software: Tell Me More Spanish is best overall Spanish educational software program available and the easiest way to learn Spanish. The program provides much more than audio lessons. Tell Me More Spanish has audio, video, grammar, and culture lessons. In addition, you will have access to some really great features to aid you in your learning: progress tracking, personalized learning paths, games, and iPod/MP3 player compatibility. The complete program is composed of 10 levels as well as a separate online program. The 10 levels can be purchased in smaller packages at a time: 2 level or in 5 level increments. But you should know that the price in much higher for the combined smaller packages than for the complete package. Tell Me More Spanish has been designed to teach both beginners and intermediate/advanced Spanish learners and it’s only available on windows operating systems greater than Windows 7. For more information regarding this program or the Rocket Spanish program mentioned above then read over the in-depth reviews at one of the following links below.



Learning Spanish can be time consuming and very tricky to master, but did you know you can actually spend far less time learning Spanish by using a Spanish teaching Software? Ryan Thomas, a respected Spanish Software review expert is unveiling the nuts and bolts that will differentiate one Spanish Educational Software from another. Discover the Crucial learning strengths of various Spanish software that will help you advance your career to the next level. If you’re looking to learn a new language and get that next big promotion, take the next step and read over the Spanish Software reviews at TopOnlineReviews4u.com




Suze talks with young couple Britney and Rajeev who are working hard to pay off Britney’s student loans. See what Suze says when the couple reveals that they’ve made some major money mistakes, like taking out private student loans and borrowing from their 401K.


For more on America’s Money Class with Suze Orman, visit http://www.oprah.com/MoneyClass


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Oprah Winfrey Network is the first and only network named for, and inspired by, a single iconic leader. Oprah Winfrey’s heart and creative instincts inform the brand — and the magnetism of the channel.


Winfrey provides leadership in programming and attracts superstar talent to join her in primetime, building a global community of like-minded viewers and leading that community to connect on social media and beyond. OWN is a singular destination on cable. Depth with edge. Heart. Star power. Connection. And endless possibilities.


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About OWN:

Oprah Winfrey Network is the first and only network named for, and inspired by, a single iconic leader. Oprah Winfrey’s heart and creative instincts inform the brand — and the magnetism of the channel.


Winfrey provides leadership in programming and attracts superstar talent to join her in primetime, building a global community of like-minded viewers and leading that community to connect on social media and beyond. OWN is a singular destination on cable. Depth with edge. Heart. Star power. Connection. And endless possibilities.


Discover OWN TV:

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Sunday, June 28, 2015

What is Leeway?

Since most of the time as you are sailing, you’re not aiming directly down wind it results in your course not being the same as your heading. It’s particularly more prevalent when you are sailing on a close haul or close reach and can be as much as 20 degrees depending on the wind conditions, water conditions, your sailboat design, your apparent angle with the wind and how your sails are set.


 


When you are out on the water, the only thing out of that list that you have control over is the set of the sail.


 


As you begin to learn to sail, leeway is not of great concern because you’re spending more time grasping the concepts of sailing. But as you start to venture out and actually go somewhere, you need to be cognizant of leeway.


 


Regarding leeway your biggest friend is the keel. Remove the keel on your sailboat and it will probably tip over with the first 2 knot breath. So the biggest reason for the keel is to place weight far below the surface to create a counter weight for the wind pressure aloft. However the keel also has a second function and that is to minimize the sailboat slipping sideways through the water. It’s just like trying to push a piece of plywood side ways through water. It’s hard to do. Thus the keel is acting like that piece of plywood. It reduces the effect of the wind wanting to push the boat sideways through the water.


 


It’s incredibly noticeable to me when I go out windsurfing. The fin on the board acts as a keel. Because of the speed of the board, it’s quite easy to get the board going so fast with so much sideways pressure on the fin that the water actually detaches from the fin and it cavitates. Under this condition the fin provides no back pressure against side slip and it’s as though it wasn’t even there and the board starts sliding uncontrollably downwind. In fact the first time it happened to me I though that I’d snapped off the fin.  As the board slowed down the water reattached and I was able to sail a course. A very weird feeling.


 


Similarly, the keel on a sailboat provides the sideslip back pressure to allow the boat to sail better towards its desired heading. Yet there is still some sideways movement that we just can’t do anything about except for understand it and account for it. I.E. the heading and course will be different.


 


Airplanes have the same issue. When flying in a cross wind, the plane moves downwind. The course becomes different from the heading. Before the electronic age, the course correction needed to be calculated. It was relatively simple. You just added the wind vector and your airplane vector to get your required heading vector. And you could even do it on a rotating slide rule which made it even simpler.


 


The electronic age has deprived us of the need for that old skill. Now a days autopilots are cross connected to the gps and the destination is input. The autopilot takes care of the side slip and puts you automatically at your destination.  Regardless of automation, I believe it’s still important to understand the concept.


 


In day to day cruising type sailing, much of our navigation is done by line of sight with out plotting a course. However, we should still be aware of and account for leeway. Especially during the Friday night beer can race, a little bit of leeway knowledge will help you gain an edge for the rum prize at the finish line.


 


Here’s a couple of general rules to follow. Leeway is caused by sideway pressure on your sails right? So reduce the sideways pressure by making sure that your sails are never over sheeted (in to far). Make sure your telltales are always flying backwards. As a new sailor begins to learn to sail they almost always tend to have their sails in too tight which adds to leeway.


 



Learn how to sail with the basics sailing courses series written by Mike Jones, sailing expert author.



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Volta Scholarship ? For an Oral Deaf Student

Hard of hearing students face a lot of problem in pursuing their education in this hearing-focused world. However, there are many sponsoring agencies that have felt that lack of financial support should not be one of these problems. With this intention in mind many schools and organizations have created free financial aids for deaf students. Volta scholarship is one of them and has been designed keeping in mind the hard of hearing students. Well, there are some tips that would help students find and win scholarships for them.


 


It is very important the student, who is seeking scholarship, reads the requirements and the definition of hearing loss according to the sponsoring source. Some of the organizations prefer sponsoring students who have been deaf since birth while some are concerned about the present level of hearing loss. So, the student will have to compare the requirements with his disability because he can apply for only that scholarship program for which he is eligible. There are certain organizations who give importance to students who can speak through sign language or through speech.


 


The Volta scholarship is one of the many scholarship programs that are sponsored by The Alexander Graham Bell Association for deaf and students with hearing impairments. This scholarship offers $ 2,000 to an oral hearing-impaired student. There are many other scholarship programs also that the student can seek out and apply if he is eligible to do that. There are many schools for deaf that can easily provide financial aid and help the dedicated and deserving student complete his education or pursue the degree of his choice.


 


The students, who are deaf or hard of hearing and seeking financial aids for their education, can also apply for scholarships that are available for students with other disabilities. It is possible that to seek out the right combination and applying for scholarships can be time taking and confusing. But when you will be able to fund your college expenses without any financial burden, you will feel that everything was worth. So, if you are eligible, apply for Volta scholarship program and if not, look for others and apply for the suitable one.


 



Carol Evanson has writen on thousands of scholarships and step-by-step guides to obtaining a scholarship. Whether you’re looking for Unclaimed Scholarships, Full Ride Scholarships, Corporate Scholarships, Weird Scholarships and Applications. Maybe you want to see if there is a scholarship that fits your needs in her A to Z Scholarship Library.


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Learning Centered Education - Encouraging Student Responsibility For Learning

Accepting responsibility for their own learning can be a significant challenge to students. This is especially a problem if they have grown up in a school system that had an emphasis on objective testing against nation-wide standards. in that kind of learning environment it is commonplace to have teachers teach the test and focus on baseline level practice that translate well into multiple choice tests. Overcoming the economic incentives for this style of teaching is nontrivial.


It is a fair question to ask why bother? Why should a teacher who’s looking to make a living buck the system to encourage students to take more responsibility for their own learning? if the school system in question has a history of lecturer based instruction this approach will be unpopular with both faculty and students as well as an administration which will equate standardized test performance with uninterrupted funding.


The short answer, of course, is that the modern world doesn’t really care about our objective tests and are sources of funding but actively rewards those who take the initiative and personal responsibility to develop an inquisitive habit of mind. 30 years ago it was all very well for the education system to beat all signs of individuality out of our students, and support the industrial ages need for a compliant and obedient worker drone population. Even if that was ever a good and decent goal, which I doubt, the future demands freethinking creative and critical thinking individuals who can help us all navigate through an ocean of complexity.


The problems facing our world do not lend themselves to simple solutions by the simpleminded. Brute force and ignorance have gotten us this far, which seems to be on the edge of a cliff looking into oblivion. It will take creativity and critical thinking in the combined power of millions of freethinkers to pull us back from the edge.


It begins in the educational system in every classroom with problem-based instruction and a respect for diversity and multiple points of view. Encouraging teamwork and collaboration will help us build the kind of interconnected society of citizens who genuinely care for and rely upon each other.



Ken Long, Chief of Research, Tortoise Capital Management

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Saturday, June 27, 2015

2010 Federal Crash Test Program

Beginning in 2010, along with that year’s model vehicles, updated window stickers will show an overall, updated safety rating. The new rating system will combine the results of rollover, side, and frontal impact tests. The newest changes to the testing process will include female crash dummies, which will enable testers to determine the difference between male and female bodily harm during an accident.


The National Highway Traffic Safety Administration, which is also known as the NHTSA, conducted additional testing for road-worthiness through its latest New Car Assessment Program. The new testing standards will be implemented as a permanent part of the new 2010 guidelines. In addition, new technologies such as warning systems for forward collisions, warning systems for lane departure, and new electronic stability controls will become standard equipment on all new vehicles. Unfortunately, despite the latest developments, the administration does not plan to rate or study the effectiveness of these devices.


Changes to the safety regulations are necessary in order to accurately describe the differences between various makes and models of vehicles, as well as to best indicate which cars are safest for car shoppers. The last time any significant revisions have been made, was way back in 1978, when the NHTSA began to crash cars into a flat, wall-type barrier at around 35 mph, where thereafter rating them accordingly for frontal impact damage and safety. At that time, only 30 percent of the tested vehicles received a four, or even a five, star rating.


In 2007, approximately 98 percent of all tested vehicles earned this coveted, high star rating. In today’s market, it is exceptionally difficult for car shoppers to determine the safety and performance rating for different vehicles based on the NHTSA ratings alone. Once the new 2010 guidelines are in place, this will all change and consumers can once again shop with confidence.



Bond Mejeh produces automotive related articles for Quick Cash Auto, a cash for cars service. Quick Cash Auto not only buys pre-owned vehicles of any year, make or model, but they also provide numerous articles about vehicle repair and automotive news.



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Obama Grants for Moms: A College Education Within Reach

If you want to be successful, getting a good education is a good start. President Obama is a good example, and he has shown his commitment to helping others. One major part of the effort is to make available to students more free money for college. One familiar part of the economic meltdown is the rise in college tuition and other costs. Schools don’t offer scholarships to ever student to cover necessary expenses. Many potential students suffer and are unable to afford to go to college. Single, working moms are a big section of this group. Educating women and single moms is important to increase the workforce and help provide for children and families. Creating college grants for moms is one way the President is dealing with this issue. Although they are the same, many people refer to Federal Pell grants as Obama grants. These grants award a student over $ 5,000 to go to college. This is over $ 1,000 above the previous maximum, and it’s a big help to moms who want to return to school. Working mothers can pay for tuition and books or even daycare if that allows them to attend school. Another worthwhile program is the American Opportunity Tax Credit. With this tax credit, the first $ 4,000 of college expenses are free. The $ 4,000 grant is especially great for low-income students. A grant for a working mother as well as a tax credit can help fund much-appreciated educational advancement. Study options are wide open. Taking away a little of the financial burden of college is a helpful way to get more students enrolled. Increasing educational opportunity and performance is undoubtedly one of the President’s goals. The stimulus plan that passed has some provisions to make the college loan process easier. There is also emphasis on ways to improve school and student achievement in all areas. The President believes community colleges need to become viable options. To attend a 2-year college has a number of benefits, including saving money and learning a trade or skill. “We need to put a college education within reach of every American. That’s the best investment we can make in our future.” Those are the words of President Obama in his 2007 speech Reclaiming the American Dream. The President’s actions are reflecting his words. Scholarships for moms are only a small part of the mission to help educate more people. If you’re a potential student who wants to make education a priority, there are many chances for you to do so.



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




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Friday, June 26, 2015

What Is Aluminum


This chapter does not deal with the origins of aluminum or how it is renedfrom bauxite, although the ruins at Les Baux de Provence in southern Franceare certainly worth a visit. There is an ingot of aluminum in the museum atLa Citadelle des Baux as a tribute to the metal that is produced from thenearby red rock, which the geologist Berthier dubbed ‘‘bauxite” in honor ofthis ancient fortress in 1821 (135). The ruins of the medieval stronghold,though, are the real attraction. We’ll defer to Fodor’s and Frommer’s on thetravel tips, and to Sharp on a discussion of the history, mining, and productionof aluminum (133). Our purpose in this chapter is to discuss aluminum’s placein the families of structural metals.


We include aluminum with steel and reinforced concrete as a metal-basedmaterial of construction. While our basis for this grouping may not be immediatelyobvious, it becomes more apparent when considered in an historicalcontext (103).


Prior to the development of commercially viable methods of producingiron, almost all construction consisted of gravity structures. From the pyramidsof the pharoahs to the neoclassical architecture of Napoleonic Europe,builders stacked stones in such a way that the dead load of the stone pilemaintained a compressive state of force on each component of the structure(see Figure 2.1).


The development of methods to mass-produce iron, in additionto spawning the Industrial Revolution in the nineteenth century, resultedin iron becoming commercially available as a material of construction. Architecturewas then freed from the limitations of the stone pile by structuralcomponents that could be utilized in tension as well as compression. Americanarchitect Frank Lloyd Wright observed that with the availability of ironas a construction material, ‘‘the architect is no longer hampered by the stonebeam of the Greeks or the stone arch of the Romans.”


Early applications ofbeam of the Greeks or the stone arch of the Romans.” Early applications ofthis new design freedom were the great iron and glass railway stations of theVictorian era. Builders have been pursuing improvements to the iron beamever since.An inherent drawback to building with iron as compared to the old stonepile is the propensity of iron to deteriorate by oxidation. Much of the effortto improve the iron beam has focused on this problem. One response.



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Writing a College Scholarship Essay

The goal of writing a college scholarship essay is to persuade the judging committee that you are the right candidate for the award. This sounds easier said than done. With today’s economy there is more competition than ever for every scholarship available. The competition can be fierce, but if an essay is well written, formatted correctly and answers the essay question plus catches the ears of the judges, the competition simply melts into the background.


When a selection committee is reading a college scholarship essay they are looking for some key elements. To begin with, the essay must answer the question in the scholarship packet. Even if the essay is the best piece of literature in the world, it will be ignored if the essay has not relation to the topic.


College scholarship essays need to be original and written in a way that shows the reader who the writer is. Creativity and innovative topic sentences will grab the attention of the reader. Being original is one key element to the essay writing process. The student needs to show the judges the ability to think outside of the box and think for oneself.


The most important piece for the essay is the introductory paragraph. This is where the writer must grab the attention of the audience. The essay needs to make the reader want to read more. Sometimes the selection committees will spend more time reading an initial paragraph then the other sections. If the introduction doesn’t grab them, then the essay could be skipped.


Once the introduction is complete and solid, the writer will want to create a supporting body section to the college scholarship essay. The body needs to reinforce what is stated in the introduction. The last piece of the essay is the conclusion. The conclusion needs to be strong and leave the reader more curious about the topic.


When the essay is finished, the student will want to revise it and have several people review the document. Feedback is important. After every review, some revisions will need to be done. There will come a point when the student needs to be satisfied with the end product. Writing a college scholarship essay can be a daunting task, but by following some simple guidelines it can be a wonderful experience.


It will improve your writing and cognitive skills. It is best to apply for multiple grants and scholarships. Loans are another option as well, but the beauty of a scholarship is that the money does not need to be paid back.



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Will Government Grants Encourage More Moms To Earn A Degree

While the government under the current administration is putting emphasis on helping working mothers return to college, many people may not know exactly what government grants are. Many would like to think that such federal programs which aid mothers in being able to attend college is a fresh and innovative idea, in reality it is simply a reworking of existing government benefits. The Pell grants a huge asset is making many potential student moms pay attention like never before.


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. The Pell grant has been formed to be awarded to those who wish to attain an undergraduate degree. It must be noted that students with a professional degree or a bachelor’s will not be awarded such a grant. The Scholarship for mom’s program with its two distinct advantages has caused a huge stir amongst single, working moms. Interestingly no program comes under that specific name. However, the current president and the current administration are motivating mothers to take advantage of the Pell grants and its funds in attending College.


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. Both federal programs and private non-federal organizations can be applied to in order to cover further educational costs. The highest amount provided through the Pell grant totals $ 5,350.00 being awarded from the 1st of July 2009 to the 30th June 2010. Other sources will be needed to supplement college cost which may not be covered by the federal Pell grant aid. Further the awarded money does not prevent you from using it other then for tuition. Books or a laptop as well as housing or travel are acceptable expenses if they are necessary to pay for your education.


Scholarships for Moms has become popular because the current administration’s focus on education has highlighted the benefits of the Pell grant program. Such a federal program makes for a favorable choice when it comes to single mothers who are working and wish to earn a degree. College no longer has to be just a dream because of family or financial needs.


A government grant given through the Pell grant program has assisted in encouraging many to enroll into college. This is especially true for working mothers. Returning to college and obtaining a degree is certainly the encouragement being given by the current administration to all single mothers working a permanent job.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.



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Thursday, June 25, 2015

How To Avoid Plagiarism For Students?

Internet changes our way of getting information but as a bad result, it is very easy to find and plagiarize information without even realizing it. Therefore, it is important to find ways to write effectively while avoiding copying from others. Here are some tips.


 


The Case Against Plagiarism


Some people do not worry at all about plagiarizing and believe that all content is fair game. However, plagiarism is problem for all of us. First, if every piece of original work is simply up for grabs, why would anyone create anything original? Second, we all want credit for our own work. If that is the case, then we should allow others that same courtesy as well.


 


Consider a piece of music. Many people these days share pirated music for free and have no scruples about it. While it may not seem like a big deal, what if you were the one who had put in the time to create the piece of music and hoped to make a living with it? This what many recording artists deal with today.


 


It is no different with writing. If you put in the hard work, you want the credit. The same is true for the people who wrote the content that you want to include in your paper. Let them have the credit they deserve by citing your sources properly and avoiding copying others’ work word-for-word.


 


New Technologies


Avoiding plagiarism can also keep you from receiving a failing grade or from other adverse academic consequences. While it is easier than ever to plagiarize, new technologies also make it easier than ever to catch those who plagiarize. Many schools now submit every paper to new types of software that determine if any portion of the material is copied directly from another source.


 


Avoiding Accidental Plagiarism


Sometimes we truly can plagiarize on accident. Maybe you read only one source about a subject and tried to put it in your own words, but inadvertently copied pieces of their original material. This can be avoided easily.


 


First, make sure you use several sources for anything you write. This helps you form your own ideas about the subject. Second, write a short summary or a few bullet points from anything you read about the subject, and write your paper from those. This helps you to put it in your own words.


 


While avoiding plagiarism can be difficult and takes more effort than copying, it is certainly more ethical and less risky to do your own work! For help editing your paper and making sure it is not plagiarized, try using an online proofreading service. They usually have access to software that can check the uniqueness of your paper so you can be sure there was no plagiarized content.


 



Casey Case is a freelance writer and the owner of an online proofreading service.



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What is Arthritis?

Arthritis is a disorder of the joints. It is the inflammation of one or more of the joints. The two most common type of arthritis include osteoarthritis and rheumatoid arthritis. The disease gets worse with age and is mostly common in people above the age of 50 years.

 

Osteoarthritis is usually caused by normal wear and tear of the joint, infection of the joint, or age whereas rheumatoid arthritis is an autoimmune disorder. Other types of arthritis can be caused by uric acid crystals, infections or even an underlying disease such as psoriasis or lupus. Septic arthritis is caused by joint infection. Treatment of the disorder may vary according to the type of arthritis. The main objective of the treatment is to manage the symptoms and help in improving the quality of life of people suffering from arthritis


Symptoms of arthritis-

No matter what is the diagnosis, dealing with the arthritis symptoms can be frustrating and terribly uncomfortable. Discover ways to cope with arthritis pain, fatigue and inflammation, while keeping up-to-date on the latest breakthroughs in arthritis diagnosis and treatments.

Arthritis causes joint pain, swelling, stiffness, and limited movement. Symptoms can include:

o Joint pain

o Joint swelling

o Reduced ability to move the joint

o Redness of the skin around a joint

o Stiffness, especially in the morning

o Warmth around a joint

o Range of motion reduces


Causes of arthritis-

The major cause of the pain associated with arthritis is by damage of the joints. Joints are made up of the following parts:

o Cartilage: It is a hard, but slick, coating on the ends of bones. Cartilage allows bones of the joint to slide smoothly over each other.

o Joint capsule: Joint capsule is a tough membrane encloses all the joint parts.

o Synovium: Synovium is a thin membrane lines the joint capsule and secretes synovial fluid. It lubricates the joint and nourishes the cartilage.


Damage to the joints

The two main type of arthritis damage the joints in the following ways.

o Osteoarthritis- In osteoarthritis, wear-and-tear damage to cartilage can result in bone grinding directly on bone. This can cause pain and restricts the movement. This wear and tear can occur over many years, or it can be hastened by a joint injury or infection.

o Rheumatoid arthritis- In rheumatoid arthritis, the body’s immune system attacks joints and inflames the synovium. This causes swelling, redness and pain. The disease can eventually destroy cartilage and bone within the joint over the time.



The writer of this article is having a long term experience in the health, beauty and personal relationships, the writer is also providing various Causes of Arthritis and writes so many articles on What is Arthritis, the writer is also answering the questions like Symptoms of Arthritis .




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What is Menopause?

Menopause occurs to women when their ovaries stop producing eggs. It also means that the menstrual cycles of women stop. During this stage, a woman becomes less and less fertile and unable to produce babies. It normally occurs with women between ages 45-53.


There are many symptoms that women go through that may show signs of menopause. Although normal, most women find discomfort in the fact that they know their body process is steadily changing. It doesn’t simply affect the body but their psychological balance as well. The most popular symptoms of menopause are hot flashes, migraines, back pain and a decrease in sexual appetite.


There are different ways that women try to cope with these changes. One of the most popular, and the cheapest, ways is through ingestion of antidepressants. It helps women deal with hot flashes and give them a more relaxed feeling. It is said that they are able to sleep better, because the body’s function slows down significantly as it tries to calm down the person. It gives temporary relief, though, as in some cases taking in antidepressants cause side effects like insomnia and constipation.


Conjugated equine estrogens are also used by women to help them cope with menopause. It is done for women to adjust certain bioidentical hormones for menopause. It leaves a calm state where they experience less of the symptoms of menopause. The result of estrogen shots give them the feeling of that of a fertile woman; as estrogens are the necessary components of for child giving.


Hormone replacement therapy is another method for women to try and ease the process of undergoing menopause. It can be taken in a form of a tablet or patches applied on the skin. It helps in altering bioidentical hormones menopause to make women feel relief from hot flashes, migraines and some joint pains. It is one of the most popular choices for treatment.


Women understand what menopause is and what the process makes them undergo. Thanks to advancements in medicine, women can control their bioidentical hormones menopause and make the transition a little bit more bearable.



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Wednesday, June 24, 2015

An Overview Of Financial Markets

A financial system is composed of financial markets and institutions some of the players in the financial system or household names like the New York Stock Exchange, Wells Fargo, or GE Capital or any other entity that helps to create the best forex trading conditions.


Others are lesser-known but with widely varying characteristics such as large, small, reputable, less reputable, and internationally based markets. The role of the financial system is to gather money from people and businesses that have more than they need right now and not those funds to those who can use them for either consumption or investment the larger the flow of funds and the more efficient allocation, the greater the economic output and welfare and economy. It is not possible to have the complex, modern economy like that in the United States without inefficient in sound financial system.


If the financial system is working properly the interest you receive will be the highest possible interest rate for a three month period at the lowest possible cost and only those projects with the highest interest rate of return will have been financed the more efficient the financial system or more likely this is to happen.


Financial markets are just like any kind of market you have seen before when people buy and sell, haggle and argue, when did lose, and yes, they may become rich or they may lose it all. Markets can be informal like a flea market in your community or highly organized and structured like the gold markets in London. The only difference is that in financial markets, people buy and sell financial instruments like stocks, bonds, futures contracts, or mortgage-backed securities and engage in deals based on forex trading tips.


That is why financial institutions are known as financial intermediaries. These firms dominate the financial scene worldwide and other firms that most consumers transact with when they seek financial services. A better understanding of the financial market the better your chances of securing good credit and providing what a loan officer will be looking for when considering your loan.




Rhab Hendrik is an author who shares his best forex trading articles with others. He can always be counted on to bring you the latest forex trading tips and detailed forex trading strategies.




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Tuesday, June 23, 2015

Disability Discharge for Federal Student Loans


http://bit.ly/1l2UZBA Yes, it is possible to get your federal student loan balance forgiven if you become totally and permanently disabled. If you are on Social Security Disability with a 5- or 7-year review, then the Department of Education will accept that as evidence of disability. Find out more!
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Need Financial Aid? Use This Checklist Or Fail - Part 1

The rich people of the world are not concerned with trivial matters such as financial aid for school. Students that are just graduating out of high school are trying their hardest to find funding that will allow them to earn a two year or a four year degree.


The students that have very high grade point averages will be on the top of the list in order to qualify for thousands of dollars from grants from various businesses in their area to regional ones available only to a choice few.


In the last year, the federal government has released a stimulus package that is granting around 12 billion dollars in funding for students new or returning so that they can finally complete or attain their two year degree at a community college. Though there is quite enough money to go around, a high percentage of people and kids that want to go to school seldom take the time to fill out his paperwork that could lead them to a free ride through their college career. However, for some, this is not enough for some to get a full degree at college.


Unfortunately, unless you are riding on a full scholarship based upon some genius idea that you came up with or you are an amazing athlete that has caught the attention of scouts across America looking for the next Michael Jordan or Joe Montana to cross their sites and moved them toward the trophy of their field of sports.


There are many options available to the regular person, but unless you have a checklist with specific things that you need when you begin searching for federal funding, grants, or any type of financial aid, without being prepared, you may not finish quickly or at all.


Following these suggestions should help you land a few local and regional grants or scholarships with just a few attempts. It is not guaranteed money, but puts the odds in your far. Here are a few very crucial tips must be followed to ensure that the grant and financial aid process gets off to a great start.


Tip #1 – You must have your financial information ready to go. This includes your driver’s license, social security number, and assorted tax information ready to input into the forms. Otherwise you will be scrambling to get this information and on many of the sites, your site will “time out” because your pause is too long.


Tip #2 – Be ready for the unexpected. Sometimes, you will be asked about your prior school experience. Others will ask you to give addresses of those that are emergency contacts. Others will ask for income history. You need all of this information as well to make sure you are ready to make the grant submission process as easy as possible.


Follow these tips and you will be prepared to start. Going through the process of filling out forms and getting the right kind of aid is a difficult, but if you are prepared, you should have no problems at all finding grants, scholarships, and other forms of financial aid.



If you would like more information on getting a free college education or the getting financial aid for college, please go to website http://www.financial-aid-directory.com/.



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Monday, June 22, 2015

Federal Education Funding State

Every single person needs help at least once in their life. It is important to realize that without help, it would be difficult to accomplish or to finish something. Whenever there is need for help, than it is important that every single person work together so that things could be done quickly and effectively. One of the things that we should realize is that the country desires to prosper as one. In order for the country to prosper, every component needs to do their part in order for it to flourish.


There are many benefits that the US government tries to give to its people today. If you just take time to really look and see, you will realize that there are just many different actions that the people try to take. So what are some of the benefits that take place which are given by the US government? Well, when it comes to education the government tries to do everything they possibly can so that they can help those who may not be able to afford to go to school.


One of the ways that the government tries to make this possible is through the Federal Education Funding State. This is where the government gives an allotment of money in a particular State, and that State can use it for the educational purposes of the people from that area. As we all know, college education can be very expensive and very pricy. That is why, it is important to know that we need the help of the government in this area.


Money for education can be given in form of a grant or even of scholarships. When a person is able to receive a grant or scholarship, this is indeed a good thing because that person doesnt need to worry about paying the money back. Many people find themselves stressed or worried about the fact that they have to pay back so much money in their education. However, when you receive these grants and help from the state, you dont need to think about paying it back.


The Federal education funding state will give that allotment and portion of money for the education of people in that state, this will help fit in all that needs to be taken into account of and it will be easier to see where people can get the money to help aid them in the educational dream.




has been in the field of Government Grants for a long time and maintains a website about Government Federal Grants where you can get answers to the rest of your questions.



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