(Graduation) Obama Offers Scholarships for Single Mothers
No commentsBy Fred Jackson
Having to take care of their families on their own, working single mothers have probably the toughest job of all. A goal or a wish for many moms that has to be put on hold because of family responsibilities, is higher education. However, President Obama, together with his new administration, is encouraging moms to make their education a priority. Obama scholarships are offering working mothers a great chance to improve their futures.
Obama, whilst encouraging people of all ages to seek higher education, is urging working moms in particular to participate in his Scholarships for Moms program. The Scholarships for Moms program builds on the federal government’s long-standing offer of Pell grants. Applied for through the Free Application for Federal Student Aid, or FAFSA, Pell grants are the most commonly applied for forms of aid for students going to college. To encourage more mothers to return to school, the Obama administration is making some changes now.
The biggest incentive is the amount of money that is being offered for the Scholarships for Moms program. The maximum amount awarded through Pell grants is about $4,000 per student, but that amount is increased to $5,000 for mothers who apply to the program. The purpose of these grants is to allow working moms to return to school and earn a degree. That in turn allows them to better provide for their families now and in the future. The administration also hopes that equipping mothers to earn more money as working professionals will also be a stimulus to the economy. Moms can receive an education without the worry of the costs of school or having to pay back money for a loan.
In addition, a great incentive for moms considering this program is that it applies to enrollment in nearly any type of higher education institution. As well as smaller community colleges, four-year universities are covered as well. You can choose either a public school or a private one. For busy moms where staying on campus isn’t an option, online course study is offered. The government’s Scholarships for Moms program really is a comprehensive attempt to get eager mothers back into the classroom.
The Obama scholarship basically takes a lot of the worry out of returning to school. Working moms can earn a degree in almost any area of interest. This means that they can be fully equipped to provide for their families. Higher education doesn’t have to be an unobtainable goal or an unfulfilled wish any longer. The Scholarships for Moms program was designed to help create a brighter future for mothers and their children.
So what’s holding you back? Take advantage of a $10,000 scholarship drawing. Registration is free if you visit http://www.scholarshipsformomsfinder.info/
The ideal Amount of Life Insurance Policy
By Amit K
Scouting for a life insurance policy? You must be sure of your need for taking life insurance before you can decide about how much and where to take a policy from. Life insurance is a must for anyone with dependents and fixed obligations. Financial investment planning can protect you from future financial difficulties and also secure your family in the event of any untoward incident. But the task of arriving at an optimum amount of insurance policy is quite difficult and confuses the best of minds.
Practically, your life insurance requirements change every few years as you take on more responsibilities and your family grows. For an unmarried young man with his father still working, there is not much need for life insurance. But as one gets married, has kids and with dependent parents, the need for an insurance policy increases. Every insured person needs to review his insurance coverage periodically to match it with his increasing/decreasing needs. Factors like age, marital status, earning power of all employed in the family etc. have to be considered for arriving at your life insurance needs. Your financial investment planning should neither be in excess of your requirements nor less than what you must have. By under-insuring, your family may have to bear everyday financial hardships in the event of an untoward incident like death or disability of the insured. Similarly with excess insurance you could end up wasting a lot of hard earned money that could have been utilized for other household needs.
There are various methods available to help calculate your insurance requirements. Depending on your earnings potential and your ability to folk out regular premiums from your salary, the insurance plan should be able to:
Provide minimum income protection to your family to uphold their present level of living standards. The basic requirements for food, clothing, shelter and education should be easily met with at current standard of living.
Once you ensure that basic life needs are secure, you should plan your long term savings to meet goals and inevitable needs arising in future like child education, marriage, buying a house and vehicle etc.
To remain independent throughout your life, you need some pension plan post retirement to maintain a respectable living standard and be able to meet the increased medical expenses. A good pension scheme taken early in life when you are young and healthy means lower premiums and regular income for old age.
Finally, having planned and secured all immediate and future needs, you would also want your wealth to grow. Judicious financial investment planning should help you determine the long term wealth creation goals and how much you need to invest at regular intervals to achieve the same. Your life insurance India policy should be able to negate the effect of inflation and increase your wealth corpus.
The easiest and basic income based life insurance thumb rule agreed to by most financial experts says that you must insure 8 to 10 times your gross annual income for your familys security. It will be even better if you can incorporate fixed costs like rent and fixed obligations like home loan, child education loan etc. along with minimum income ensuring insurance plan. Supposing your annual income is Rs 200,000 and your other long term fixed costs amount to another Rs 300,000. Then your optimum insurance policy should be for Rs 1,900,000 (Rs 200,000 * 8 + Rs 300,000).
Affordability of premium payment is another important factor to be kept in mind while planning insurance coverage. Going overboard with huge premium payouts for a large insurance policy can muddle up your daily finances. Plan to set aside a reasonable 6% to 8% of your disposable income for regular insurance premium payments to ensure that you do not face cash flow problems now. By planning the premium as a certain percentage of your income, you can scout for the maximum and best insurance cover available in the market at that rate.
Besides these general methods of life insurance calculation, you can also opt for well planned and comprehensive insurance calculation techniques like:
1) Total dependents needs calculation will incorporate all the current cash needs the your family after the insureds death as well as the ongoing financial needs to main a certain lifestyle.
2) Sufficient insurance to replace the loss of regular income in case of premature/ sudden death or disability of the insured is also a good way of securing your family. This approach calculates the future expected earnings of the insured during his entire life time including promotions and the cost of inflation.
3) For people with big loans and mortgages, the asset preservation approach of calculating insurance cover is best. This ensures that the taxes and debt arising due to death of insured are easily taken care of while preserving the estate and assets at the current value.
ING Life India is a joint venture between ING Group (ING Insurance International B.V.) & Exide Industries. We, ING Life are the worlds largest financial investment planning services corporation who provides various services to customers. For more information visit http://www.inglife.co.in
Graduation Listings And Quotes For The New Graduate
About Atoz School Supplies
By Atoz
At ATOZ, we are totally committed to a policy of delivering a consistently high service to our customers.
THE ATOZ PROMISE If we let you down by not doing something that we have promised to do and fail to correct the mistake to your total satisfaction, we will give you 100 off your next order.
Free Standard Delivery*
Lead times over 5 working days are shown against the product detail.
Ordering Furniture
Please check to ensure that you are ordering the correct product for your needs. Furniture is often made to order so cancellation may incur a handling charge. Lead times for orders placed between mid June and the end of September are indicative only and cannot be guaranteed. Standard delivery is to ground floor only. If you have any other requirement this must be arranged in advance and may include a charge.
Most prices shown are valid from 1st April 2006 - 31st March 2007. A minority of products may be subject to price change and, where applicable, indicated next to the product detail. Whilst every effort is made to ensure details and prices are correct as from 1st April 2006, in extreme circumstances we may be forced to adjust prices during the year. Please note errors and omissions excepted.
Control of Substances Hazardous to Health (COSHH) regulations have been in force for a number of years. Products which have a hazard warning on the label e.g. FLAMMABLE are indicated in the descriptions. Safety Data Sheets for these and other lower risk products, where appropriate, are available from our Customer Service Department.
ATOZ Own Brand Products
Please note that the labeling of ATOZ own-brand products may change to a different brand during the year.
Environmental Policy
We adhere to a policy of supplying products that minimise impact upon the environment wherever practicable and have given formal support to London Remade a partnership of organisations aiming to improve the way the capital manages its waste and to explore practical opportunities for specifying and purchasing products made from recycled material. Environmentally responsible products in the catalogue containing recycled material include: printer compatible cartridges, paper towels and toilet tissue, refuse sacks, recycling bins, exercise books, copier paper, envelopes, files, marker pens, pencils, pencil cases and rulers.
Environment
CARING FOR THE ENVIRONMENT…REDUCING…RE-USING…RECYCLING
Findel Education is committed to conserving the quality of the environment for its customers, employees and the general community - and to the continual improvement of its environmental performance.
Our initiatives include:
# the careful planning of deliveries to reduce delivery fleet fuel consumption and exhaust emissions
# the specific use of low sulphur fuel for the delivery fleet
# recycling of waste paper, card and printer cartridges
# promotion of products that minimise environmental effects during production, use and disposal
# the selection of suppliers who have committed themselves to sound environmental strategies
The Challenge
On average, each household in the UK produces about 1 tonne of rubbish each year totalling some 27 million tonnes nationwide. (Packaging alone comprises a quarter of all the rubbish placed in the bins). Over 80% of household waste can be recycled, reused or composted, but currently only around 27% is, with the rest either being incinerated or landfilled! (This puts us a long way behind many of our European neighbours who recycle well over 50% of their domestic waste). Europe has set UK industry the target of recovering 60% of all its packaging waste (approx. 5.5 million tonnes) by 2008. Clearly we all have an important role to play in reducing waste.
What You Can Do
Wherever possible, try to reduce the amount of rubbish created. The most efficient form of recycling is simply to re-use packaging material such as cartons, boxes, bubble-wrap and other protective packaging. Where that isnt feasible, then plan to recycle your waste materials. This will call for the separation of waste into basic materials e.g. paper, card, glass, cans. Many local authorities now arrange kerbside collections for card and paper and provide community recycling banks for glass and steel/aluminium cans. There are now over 20,000 bottle bank sites in the UK resulting in some 425,000 tonnes of glass being recycled annually. (Contact your local authoritys recycling officer for details of local recycling services).
For over 40 years, Findel has been a leader in School Supplies to the majority of the UK’s schools as well as a renowned provider of consumer Home Shopping through mail order catalogues. Findel Services also provides online and offline logistics and e-fulfilment services to third parties.
Wednesday, July 28th, 2010 at 7:00 pm and is filed under education. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
