Mom of 5 Finishing School Free Using Financial Aid Grant

By Kathryn Stovall

A few years ago I started to finish getting my education by getting financial aid. I applied for and got a pell grant. At the time it was me and my 2 oldest kids. The youngest started kinder garden so i thought it was time to make an example of myself and finish up my school.

I looked on the internet and found a government site that allowed me to apply online, and there was no fees involved. The school I choose to go to received the information straight from the site. I was able to sign up for 4 classes at a local 2 year school. I was able to start right away. I was able to get all my books and classes covered. I was able to have some left over to help with child care.

I was only able to finish 1 semester at that time because life happens. I had 3 more children and got remarried, not in that order! But that is a good helping of life! Now, 8 years later I think its time I go again! My smallest young one is only 2 right now so I have a full 3 years before he goes to school. I dont want to be in a classroom while he is still so young. I did some research and found out that I can take video classes at home from the same school that I was going to before!

Now isn't that good news? I wont have to worry about finding an accredited school that operates on line. You read me right, I can go to the same local school and take on line video courses from home. This is great! I can be with my kids, whenever I want and I can do my classes after bed time or during nap time! Everything is online. There are discussion boards to communicate with your teacher and classmates and a website to get your tasks on. I may have to go to the campus once or twice, but thats it. Everything else is at home. What is even better is that the pell grant will cover the video classes too, just the same as regular online classes.

If I could give advise to anyone that is waiting until their children are in school to start is, why wait? Go ahead and call local schools around you and see what the options are for video courses. To my understanding the classes are exactly the same as the on campus classes. The credits are the same, and I can do them classes when its convenient for me.

When my little man starts his journey in kindergarten, I won't be saying now that he's in school I can finish mine. Instead when he starts school I'll be starting to look for a job because I will have have earned my degree, and I will be able to use a pell grant to help me achieve this! - 29969

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The Many Valuable Services Offered By Your Phoenix Handyman

By Michelle Jones

Phoenix is of course a desert city, so it gets hot. And with the heat comes the need for all sorts of gadgets and apparatus that people in cooler climates seldom use: air conditioners and shade ports, stick-on window tinting and garden wells are just a few of these. If you are not a very handy person, sooner or later you are going to need the services of your local Phoenix handyman.

A handy man is a blessing created by nature to make things just that little less hard for the rest of us. You will never fully understand the truth of this until you try to hang a door one day and after three days the door is full of holes, the hinges are all broken and the door frame will never be quite the same again. When you eventually phone the handyman, watch how he works. How completely effortless he makes this extremely complicated task look.

These people are not created at Harvard. They are not made in a plush boardroom with leather seats. They are born. They have a natural knack to fix things that break. When you wake up one morning and the cold rain from last night is still dripping on your bed through a crack in the ceiling, they will fix it as if it's the most natural thing in the world to know how to do.

Many of these Phoenix handymen are also qualified electricians, plumbers and painting contractors. There is almost nothing in and around the home that they can not install or fix.

Next time you buy a built-it-yourself patio set and after two days it still looks nothing like a patio set at all ' spare yourself further trouble and call one of them. Then grab a beer from the refrigerator and watch him do the impossible.

The services provided by the average Phoenix handyman are so varied that it's difficult to understand how one person can have so much knowledge of so many subjects. The fact that his fees will normally be quite reasonable will make it even more difficult to understand, but very easy to appreciate. - 29969

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Forex Traders Will Want The Ivybot Fully Automated System

By Todd Manter

IvyBot is here. So you have heard of these Automated Forex Systems referred to as Robots or EA's right? Well we have been fascinated with this "Automated" idea where Forex Traders can earn income while relaxing by the pool. Don't get me wrong creating an automated trading system in the Forex trading markets that can consistently make you money is not easy. This is where IvyBot comes onto the scene in a big way.

It is estimated that only 5% of retail forex traders have consistently profitable currency trading system. It is usually based on deep understanding of economy (fundamental analysis), awareness of the patterns of market reaction on specific economic events (technical analysis), and proprietary set of "tools and instruments". Clearly, you want to jump in to get your feet wet in forex trading, but what if your toolbox is almost empty. One way to start is to follow professional trader guidance. It does not break your wallet to subscribe to quality forex trading signals (for instance, I offer them free), then test their consistency on your training account and finally apply these alerts for live trades. Read further on as we introduce you to IvyBot.

Economy news that people watch on TV just to have something to chat with their friends later apparently aren't of great value. The very same news disturb currency market, providing possibilities to make money on the market movements and therefore become remarkably tangible. Training and experience is required to interpret news into the trading terms and the final product of such interpretation is called Forex Trading Alert or Signal. Now read below for what makes IvyBot the #1 FX Trading System.

4 Robot for the price of 1. Each Robot attacks different currency pairs. The creators constantly update the software as the markets change. The members areas is filled with Instructional Videos making it easy for anyone to setup. They have "Real" bonuses that are better than most products by themselves. "Real" support via Email tickets, answered in 24 business hours.

Forget all the hyped up systems that promise results, but don't have any "Real" Forex Pro's behind them. This is the only system that is created by Forex Pros and will consistently be updated by them to ensure ongoing profitability! Take a look for yourself: IvyBot Automated Solution - 29969

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Green Energy Power!

By Robert Holdsworth

Buyer Beware - Using Power Factor Correction and Transient Voltage Surge Suppression to Reduce Energy Costs.

Today's energy conscious climate has motivated many to do what they can to become more efficient and conserve energy and money. Unfortunately this same climate has prompted others to take advantage of unsuspecting consumers' wishes to save energy and reduce expenses.

Companies that tout power factor improvement (kVAR correction) and transient voltage suppression are a good example of this bad trend. Lately we are seeing more and more of these companies cropping up and feel it is time to set the record straight.

First, transient voltage surge suppression (TVSS) plays a valuable role in improving power quality to protect sensitive equipment inside a facility. However, TVSS does not save energy. TVSS's are only active a tiny fraction of a second to protect against voltage surges which only last for less than a millisecond. To actually reduce energy consumption the TVSS would need to actually cut power consumption for an extended period of time which is not what they are designed to do. Again, TVSS is important to protect sensitive electrical equipment but buyers should avoid vendors promising, or even guaranteeing, that they will reduce energy consumption.

Now what about vendors who claim that improving power factor will save 15% or 20% or 30% of energy consumption and corresponding cost? This one is a little trickier.

For residential applications, power factor does nothing to save energy because the typical home already has an average power factor of about 0.97 which is almost the perfect power factor of 1 or unity. In addition, the device (called a capacitor) is placed at the main circuit breaker. According to IEEE capacitors must be situated at or near the respective inductive loads to reduce power system losses by reducing heat and distribution losses known as I2R losses.

So what about commercial and industrial facilities using power factor correction to reduce energy costs? It is perfectly appropriate for a company that is incurring penalties or a kVA billing structure from the utility company to improve the facility's overall power factor by employing a capacitor bank at the main service entrance or individual capacitors at or near the respective motor loads. Doing so will eliminate the power factor penalties and/or reduce the kVA demand charges on the utility bill which can save significant money and provide a significant ROI on the investment.

But what about power factor correction reducing kWh consumption? IEEE also tells us that I2R losses only account for 2 to 5% of the total load in a facility. Simple math tells us that it would be against the laws of physics to get the 15% to 30% energy reduction claimed by some vendors. Think about it. Even if your facility had 5% distribution losses and you could correct 100% of the problem via power factor correction at every load (which can't be done) you would still only save 5% at the most. No where near the claims of some capacitor vendors and manufacturers.

All that said, power factor correction when done properly will eliminate utility penalties and kVA demand charges, improve facility power quality, increase electrical system capacity, and save a little energy when applied to the appropriate motor loads.

So make an investment in transient voltage surge suppression and power factor correction when appropriate and necessary. But caveat emptor! - 29969

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Life Insurance is a Plan For The Future

By Graham McKenzie

Examples of why people get life insurance are plentiful. This is an insurance policy an individual can get to cover themselves or another when the case of death arises. These types of insurance are used to ensure financial stability to the ones still living.

Married couples often choose this type of insurance allowing the significant other to become the beneficiary. This means all funeral costs, and any other expenses incurred to cause a death will be paid at once.

While calculations are prepared based on several factors. A young person will not pay the amount for a premium, that and elderly person will be quoted.

To be considered the lowest risk for death by an insurance company is to abide the following guidelines. Be of a young age, have a non hazardous job, and obtain a non life threatening lifestyle with healthy habits. Your premium will be the cheapest possible.

While inquiring the prices of insurance, the representative will request a recent physical be scheduled. If you have just had a physical these records will need to be provided in order to calculate a ball park quote. Also, if you have neglected to get a physical, you will benefit to know how healthy you are. The cost quotes can be adjusted either way, depending on the findings related to your health conditions.

If you lead a life of excitement, most likely an insurance provider will consider you high risk. If you drive race cars on the weekends as a hobby, this is considered a dangerous lifestyle, increasing the price of your policy.

The questions that will be asked on an application, pertaining to habits, are cigarettes and alcohol consumption. These are the most popular, but there are other bad habits that are used to determine the level of death risk.

Maintaining healthy habits, makes it more affordable when selecting a life insurance policy.

How you live, where you work, how old you have become, and the extent of your extracurricular activities will be mathematically calculated. Depending on the degree of risks you take regarding your life, will determine how much you will pay monthly for life insurance. - 29969

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Private Placement Memorandum and OTCBB: Get More Investors Than You Can Handle, Easily

By James Scott

If you are trying to raise capital with a PPM or public entity like OTCBB you need to understand the mind of the investor. After the business plan sells the investor on the business concept you need to sell them on you and your executive staff. You need to stack your executive positions with professionals with a proven track record of success and possess a solid reputation in the industry. You must paint the picture for investors that your business is run by the who's who in your industry and this pedigree is demonstrated by your education, degree, grades in college, professional organizations of which you have been and are currently a member, advisory board positions with other corporate organizations, a track record of setting up and maintaining strategic alliances, networking contacts and more.

When an investor looks at your human resource list on your PPM, business plan or public offering docs it needs to scream power, authority and confidence. Each individual that you place on your advisory board must have a massive contribution other than 'advice'. Advisors should be able to prove their ability to assist in crucial decisions, connect your company with strategic partners and help you get to the next level.

Your legal counsel and CPA should be well known organizations with a long list of successful, well known organizations on their client roster and they should have a lot more to offer your company than just their fee based services. Again, these organizations should be able to set you up with partnerships that will help grow your business. As far as corporate awareness you must include a publicist. The publicist that you choose must be well versed in their comprehension of your industry genre.

They must be able to take your company and get you in front of the proper audience that is conducive to enhancing your growth potential. They must be able to demonstrate their knowledge of viral online marketing as well as traditional means of radio, TV and article promotion. They should be able to reach into their contact list and set you up with one interview after another targeting your specific audience.

These are just a few things to take into consideration when you jump on the fund raising trail. Every individual you have listed on your docs must be able to pass due diligence and have the appeal that reaches into the 'comfort' zone portion of the investor's mind. - 29969

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Angel Investor Mind Control: Is This Process Real?

By James Scott

Discovering the 'thumbscrews' of investors is crucial to getting them to take action. In over a decade of dealing with global investors there are several elements that I've discovered to be universal truths about the mind of the private investor (angel investor, accredited investor).

When talking to an investor for the first time, it's more important to listen than to speak. It's more important to ask questions than answer them. It's more important to discover their needs and wants than to exclaim your own. Your first conversation with an investor should be all about piercing the armor and finding the trigger points that prompt a reaction that gets to the center of their 'childlike' state.

What I mean by this is, investors, just like anyone else, has insecurities that are rooted in their childhood and what they are outwardly today, is typically a polar opposite of what they are on the inside. For example, an arrogant, chest beater seems proud and obnoxious on the outside but the reality is that they are over compensating for an insecurity that is rooted in an individual or collection of childhood incidents.

Maybe they were made fun of as a child, maybe they're father was verbally abusive, maybe their teachers would single them out in class opening them up to playground mockery. When talking to these individuals it's important to listen to their voice and intonation when the conversation topic changes. Take notes on their psychological adjustments to the conversation. After you feel you have discovered the triggers that induce the 'pleasurable' responses, end the call, and set your second phone appointment with them.

On that second call, you want to have your conversation ready to go using the triggers you found in the first conversation. Play off of those insecurities that you found, become their best friend without being chummy but it is your mission on this call to be the "guy that understand me" to the investor. You want the overall tone of this conversation to have the response from your target along the theme of, "wow, this guy gets me" , "I can see investing in this company".

By using this method and not coming across as 'fake', you have become an investment opportunity and a shrink all rolled into one. You want to be the one person that this investor can lower his guard to because everything he says, you seem to be the one person who understands him at his deepest level. You seem to naturally be tuned into his insecurities, emotions, needs and wants. Sound strange? Try this out on the next investor you talk to, I guaranty you will be shocked with the results. - 29969

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