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RE: How do i get justice for refusing a sexual advance by University admin. then losing my degree. NOT BS!?

I assure you this is not bs. Nobody pays for my tuition expcept the partial grant i received.
I did go to the school. the man that harrased me was the omnsbudsman. Yeah! This became a scandal for the school because my girlfriend committed suicide du to being raped and tortured on a school field trip.
Im unsure how to feel about your reaction and the reaction of the other person. it does sound so outrageous but is true. If fact it is very much a watered down version.
I have all of these comments on tape and email. I have proof of my attendence. Also, they do retroactivly put student loans in default!!!! when JP (the person that abuses power) failed to give me incomplete, the next semester i was dropped from univ. and fin aid. and the next semester because i did complete the previous, etc, etc though i did. Due to being disenrolled, i was not eligable for defferment. Hence, I was in default.
Thanks for your reply.

Take the tapes and copied e mails to an attorney. Be prepared to show that your classwork was up to standard as well. He will need that to show that there could be no other reason that you lost everything.

Field Trips $15.46 This illustrated wildlife survey presents a different field guide in each chapter. Detailed tips and facts are presented on the insect world, animal tracking, the art of watching birds, and the flora and fauna living along shorelines. Text accompanied by illustrations.

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Where in Grants.gov to find an oppurtunity?

Obama’s new stimulus package makes Grants available for Low Income individuals experiencing hardship to apply for a Grant. Where can I find such a thing in Grants.gov? What should I look under? Can anyone help me. I am employed and my wife is on Social Security Disability. But due to the economy we are behind with our bills. Please can anyone help me.

I think you are mistaken about Obama’s new stimulus package. Even if true, it will take the government many months to implement it.

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library grants for technology

School Grants And Technical Schools

There are many reasons why a technical school is good for you. If you are one person who has an active interest in things electronic, mechanical or the likes, you should be considering pitching your tents with a technical school rather than with a regular college. This might not seem like a likely means of launching your professional career. However, I will now seek to outline the various reasons why this is better than any other when you are considering a degree in your chosen field of specialization.

First, your tuition money is well saved. The obvious reason for this is that the technical schools are less cost-demanding than other institutions. It is quite possible for a student to commence and complete a degree in the technical school without having ever had to take out a student aid loan. On the other hand, there are available grants and loans to help the students out any time. Most technical institutions also have provision to provide aid to the students when they feel the need for it.

Secondly, there is the issue of proximity. There are quite a lot of technical schools around the country, and it is quite possible for a student to attend one which is close to the area. This has the advantage of being cost effective. Since the students will be coming room their houses, they will not have to pay the extra for boarding, and they will not have extra travel expenses as well. The nearness is one factor in favor of the technical schools.

Then, there is the demand of the career of the intending student. The kind of career being provided by the technical schools are ones that are high in demand. There are many careers like auto mechanics, welding and computer technology. Recent and future trends have shown that these are in high demand in industries and the students will do well to equip themselves with a choice assortment of these skills.

The duration of the programs is very short. If you consider the duration again, this is another advantage in the favor of the technical schools.n You can run through a technical school program in under six months to a year. However, there are some degree or certificate programs they have that could last longer than that. Due to the fact that the students can complete their programs quite quickly here, they are able to finish up and going the working mainstream.

If you are on the brink of starting a program  in a local school, then you will need to ask yourself what the right choice should be. First have an idea what your flairs are. Are you of a mechanical turn of mind? Are you someone who naturally loves computers? Do you always feel like caring for the comfort needs of people? Then you should consider something along these lines. If you are having problems making up your mind, you can go online or visit your library and get a call-up of the possible programs available. This should be able to help you in making up your mind.

About the Author

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Technology for the School Library (Paperback) $59.68 This text for students and in-service school librarians introduces theoretical and practical aspects of technology in the school library. The book begins with an introduction to the broad scope of technology in the school library and a detailed examination of the technology skills that school librarians need. It then presents chapters on topics such as networks, hardware, and software, copyright and plagiarism, Internet filtering and security, and library information systems. Digital libraries, creation of online materials, and social networking are some other areas discussed. Each chapter includes questions for research and discussion. Scheeren lectures in education at St. Vincent College. Libraries Unlimited is an imprint of ABC-CLIO, LCC. Annotation ¿2010 Book News, Inc., Portland, OR (booknews.com)

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You Can Find A Government Grant – Pay Off My Bills With Free Grant Money

If you are in search of a Government Grant so that you can pay of your credit card bills then you need to know the facts before you start your search. Many people are struggling now to make ends meet and this makes it hard to stay out of debt. In many cases we use our credit card to purchase things we need such as gas and food but if we can not afford to pay it off every month then we are faced with a mounting pile of credit card bills that we can not afford to pay.

Get a Free Money : Government Grant Now

Do not worry because there is a solution for you to get out of debt now. A Government Grant can give you the money that you need to eliminate those bills and get on the road to a better financial life. Many people are unaware that there is money that goes unused every single year that the government offers in the form of a grant.

Find the Best : Government Grant Information

Government Grants can be a great way for you to finally get the help you need to get out of debt but before you apply you need to know that they will approve people on a needs basis. So when you are searching for free grant money you need to make sure you find the best grant for your needs.

One of the best benefits to getting a government grant over a consolidation loan is that the money is yours and you do not have to pay it back and this can be a really big help when you are trying to get a fresh start.

The time is now to get the money you deserve so don’t wait any longer and get your Free Grant Money today.

About the Author

Bryan Burbank is an expert in the field of Finance and Debt Relief.

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grant technologies

Technology and Community Development

TECHNOLOGY AND COMMUNITY DEVELOPMENT

KUMAH ERIC JUNIOR

MARCH 2009

ABSTRACT:

In today’s world, technology has invaded many aspects of human life. From its gigantic influence on our education and professional development, to the more subtle presence of little gadgets littering our homes, technology is almost everywhere.

The reasons for such pervasiveness would boil down to some characteristics that technology by itself possesses. One such characteristic, which is of major interest to many scholars, is the seeming lack of barriers to the spread of technology. It easily penetrates societies and even to remote communities, and once it reaches its destination and catches on, it becomes seemingly difficult to stop its spread. As a result of this, consumer technology like cellular phones, computers, PDAs, radios and televisions have become commonplace in places like Africa, even with all the barriers one would have envisaged.

Sadly, it does not need much analysis to realize that even though technology usage is growing rapidly in Africa, we still have numerous developmental problems in our continent. This is a situation where advanced technology is coexisting with underdevelopment in Africa. With all the power that technology wields, it will be a useful exercise to study the ways in which it can be used to solve some of those very problems it has come to meet. In essence, using our little gadgets to solve our big problems.

This is the background against which this study is undertaken. Asking whether our problems can be solved at all, then enumerating instances where development projects that utilize technology have been put to work, and concluding by examining the cases and drawing lessons from them.

CHAPTER. 1.

INTRODUCTION

The limits to what the human mind can conceive and achieve are increasing. More discoveries have been made, more things have been created, more theories have been proved and disproved, more machines have been made and more problems have been created. Scientific technology has been the driving force behind all these. Science has indeed proved to be a powerful tool which has touched many people and has shaped many communities.

According to the Concise Oxford dictionary 10th edition, technology is the application of scientific knowledge for practical purposes. Clearly from this definition we can see that scientific knowledge may exist theoretically but it only becomes technology when it is used in practical settings. For example we may say the knowledge of the rules of up-thrust and buoyancy is theoretical, however practical utilization of these rules to manufacture airplanes could be termed aircraft technology.

Again according to the Concise Oxford dictionary 10th edition, a community is the people of an area considered collectively, while development is explained to mean to grow or cause to grow and become larger or more advanced. By deduction, community development could be explained to be the growth or advancement of a group of people.

Today, the world has become highly technological, and things which in the seventies would have passed for science fiction are now so commonplace that they have almost become necessities. From every corner of the world, technology has global acceptance, it is ubiquitous and has the ability to dramatically change situations.

Any attempt to ascribe reasons for this pervasiveness of technology will have many suggestions, some of which are that machines have been proven more efficient than humans at some tasks, machines are less error prone, impartial and never get tired like humans. Another could be the increased sophistication of humans and the attendant need for equally complicated messengers to help us perform many tasks, which is linked to the interesting nature of technology that once a more advanced way of doing something is found, it becomes almost unthinkable to try to do it by “old fashioned” means.

With such large scale interplay of these and many more factors, there is little reason to be surprised by the sudden emergence of automatic machines to handle the little tasks of old; cleaning floors, washing clothes, cutting bread, mixing cake etc. the list goes on and on.

And that is far from all and the list of innovative possibilities is endless. In truth, some of these innovations have shaped the world and there are many examples to cite. The discovery of electricity and the radio wave both changed the world. Today, computers are changing the world even faster. Now with cellular phones, new opportunities have come and our imagination has become the only limiting factor. We can only wait for the next big thing to be created and who knows what it will be?

The picture of technological advancement is not a completely rosy one. Indeed, there are some minuses to science as well, such as the introduction of new forms of danger which come as a consequence of innovative forms of technology, for example the nuclear bomb came from nuclear technology, unforeseen genetic mutations are as the result of genetic engineering, and the numerous and little talked about chemicals which can destroy the ozone or warm the planet.

The seriousness of the disadvantages of technology have prompted some people to argue that technological advancement, which is an example of scientific development, is making us more of advanced entities but less of humans. In other words, we have become better scientists, bankers and professionals and worse human beings. Martin Luther King puts this argument succinctly when he said “Our scientific power has outrun our spiritual power, we have guided missiles and misguided men.”

The disadvantages that technology brings are issues which require serious examination to ascertain what can be done to eliminate them or at least minimize their effects since technology has definitely come to stay, and it would be to our advantage to learn how to work with it in ways that will be the most beneficial to us.

But despite the disadvantages listed here and the many more unnamed, we have seen that we can still derive many benefits from science and given that we live in, or at least come from, a part of the world where development is still a big headache, we should be the first to start a serious study of this phenomenon and see how best we can use it to our advantage. We may be surprised to see that there is a great viability in using our little gadgets to solve our big problems.

Let us make it clear that the aim of this paper is not to present technology as the magic cure that will clear our multitude of problems in a whiff, technology alone will not solve Africa’s problems because our problems are too complex, too deep and too overwhelming for any simplistic scheme to be successful. We can only achieve success when if have a more comprehensive approach to the problem, to include solid commitment to serious research, establishment of the appropriate structures, and the taking of required initiatives. It will be incorrect to assume that technology in itself is inherently good, and just implementing it alone will be enough to achieve any good result3. Though technology may be able to do anything, people must have the vision to drive it in the right direction.

Only with this knowledge can we make any meaningful gains in the development agenda.

In our particular context, Africa has proved that advanced technology could coexist with underdevelopment. People have satellite televisions whilst there are no teachers in the classrooms, we have mobile devices and pocket PCs and devices but our streets are still not named properly, there is still a large number of illiterates among the people who own and use cell phones, spreading of healthcare information is still a challenge even though a lot of people have access to radio and TV. This sorry list is endless.

CHAPTER 2:

CAN TECHNOLOGY REALLY ADDRESS OUR PROBLEMS?

From healthcare, access to water and life expectancy, to governance, industrialization and even the quality of human life, there are numerous problems confronting African communities.

Today we are said to be living in the information age, an era where access to information is the new driving force of the world. The proliferation of the Internet and World Wide Web has reduced the whole world to a massive audience with unprecedented access to vast quantities of information. This communication is unencumbered and the formation of alliances is unhindered by physical distance, national or political borders4. With all the dynamics that this modernity brings, technology stands tall as a favourite to achieve any meaningful sustainable development for many reasons.

Principal among such reasons is the fact that there is improved awareness of underdevelopment among Africans themselves, which could be due to the information age, and an improved belief that our situations can be turned around. This is markedly different from decades ago when there was a lot of resignation and despair among black professionals. Evidence to support this would be the observation that much more thought is being directed at the Africa integration agenda and greater attention being paid to the Economic partnership agreements (EU- ECOWAS).

Another positive indicator is the growing number of trained and competent technological professionals on the face of the continent. Granted, the improved numbers by themselves will not be a good indicator, but with the holistic approach talked about earlier, one can see a sign of hope which shows that there is very high potential for success in a well though out scheme to utilize technology to solve our developmental problems.

Another good point is the individual work that is being carried out by different groups using different approaches (studies of the indigenous chieftaincy system for e.g.) at trying to solve the same problems. This is clear evidence to state that beyond the level of commitment, there have been actual attempts at problem solving. Even if some of such attempts have not been successful due to the numerous challenges in the way, the experiences have been gained and lessons have been drawn from them which would be utilized for future use.

Finally there are areas where major strides have already been made in Africa. Statistics show for example that there have been remarkable improvements in girl student enrollments in places like Nigeria, Kenya and Zambia5. This is definitely a feather in our cap and such areas may serve as boosters to face the remaining dark spots.

All these imply that we might be closer than ever to solving our problems, and all that may be left will be a few giant pushes forward.

This is where technology comes into the picture. It is the one thing that seems to know no barriers, catches on easily and has the power to transform even the most remotely inaccessible locations on earth to budding business towns. It is ubiquitous. Its innovations accelerate by the month. As a result, it is the most probable tool to achieve anything meaningful.

In the early 90’s, scholars described Africa as being left in a technological apartheid 6. Today however, with increased globalization perhaps a slightly better picture can be painted. Even though Africa is not in the league of the innovators of the most novel initiatives and we may not be making as good use of technologies as we ought to, or as some others are, we would still have something positive to report. For example, in some cases, Africa actually has comparable human and hardware resources. Therefore, “apartheid” would no longer be a precise definition of the situation as it stands.

As stated earlier in this paper, technology alone will not solve our problems. But with very serious considerations using active participation, a comprehensive and well though out scheme that incorporates technology will be a very viable solution.

However taking a look at all the attempts made so far and their attendant challenges and effects if any, one may say confidently that will all the proper accompanying compliments, technology will made very significant gains in spurring the development agenda on.

CHAPTER 3:

HOW IS TECHNOLOGY BEING USED TO SOLVE PROBLEMS?

Across many countries around the world, people have made serious strides at utilizing technological knowledge to solve all manner of problems. Many issues have arisen out of such attempts, and below are very brief summaries of some of those places where practical scientific knowledge has been utilized for the growth of the community.

3.1 ELECTIONS

In Africa’s recent governance history, elections have always been a challenge. It is hard to find a totally free and fair voting exercise, whilst contested elections, unfair processes, non transparent irregularities and simple ineffectiveness are commonplace. With a background of poverty, it is not too difficult to understand why the stakes are so high in African politics and why power is very lucrative in this part of the world.  This not withstanding however, there is a good number of unrests that could have been avoided if any election is proven to be fair, free and transparent to an appreciable degree.

Attaining this ideal degree has proved difficult for reasons of the complex interplay of some factors including, a government founded electoral commission, a winner takes all setting, and no motivation to commit to the right virtues. Knowing that power is so lucrative when you come from this winner takes all setting, it is really hard to let go of control of the electoral process. This is one motivation for the dishonourable acts that unfortunately we see quite often.

Because elections are highly involving and they require elaborate programs that span a series of locations (from a voter’s home to the polling station, the collation center, the electoral commission headquarters, the public domain and back to the voter’s home), It follows that unless you are trying to make public exhibition of your nefarious activity, you would need to be tactical to be successful at such dishonorable acts. The tactics employed may vary but they invariably entail series of acts that are designed to prevent information from getting into the public domain. So that for example, figures could be changed anytime so long as the original and authentic ones do not get into the hands of the public.

If democratic leadership were genuinely understood, there will be no attempt at election rigging. But since we are currently not in that ideal stage, election monitoring is one tool we can exploit to at least cut the ability for cheating.

Mobile phone technology is being used in election monitoring in some African countries under a new system of election monitoring called “parallel reporting”. Parallel reporting is simply an approach to election monitoring whereby independent observers spread news of the votes counted at the basic level, which is the polling station. The figures are then relayed to an independent center where they are collated and cross checked with official figures announced by the electoral commission.

One advantage of this scheme is seen that it will make it increasingly difficult for an electoral commission to attempt to fraudulently sway the results in the favour of any of the contesting parties. The spreading or relaying of the results figures are done largely with mobile phones. Senegal is an example of a country where this project has been successful.

3.2       HEALTHCARE

The statistics obtained from healthcare research are interesting. Figures show that a large number of the world’s HIVAIDS afflicted people live in Africa. At the same time, one of the growing markets for consumer electronics such as mobile devices, handheld PC etc may be found here in Africa. This represents a population overlap, and it is only prudent that some amount of research has been directed towards attempting to find ways to incorporating technology in the treatment of the numerous diseases on the face of the continent7.

Tuberculosis (TB) has long been known to be one of the deadliest diseases known to man. Apart from the threat that this highly infectious bacterial disease presents to human life, it also enjoys some additional notoriety for lowering the sufferer’s immune system to make it easy for other diseases, which may have various degrees of harmfulness, to attack the sufferer.

As if that were not enough, TB has a deadly habit of mutating at the least case of drug non adherence. Therefore any TB caregiver knows that a patient who demonstrates non compliance with drug rules is clearly not interested in getting healed. As a result of this, over the years, ways to enforce religious adherence of medication have been tried but success has largely eluded caregivers.

In South Africa, there is a very laudable project, the SimPill’s award-winning Adherence System project, which uses a real-time management system to increase adherence to medications prescribed to treat chronic illnesses – particularly tuberculosis, which is a significant cause of death of people living with HIV.

3.3       SOCIAL ISSUES

Serious projects that utilize technology to address social issues have been implemented in South Africa. One such idea named Fahamu’s Umn Yango (meaning ‘doorway’ in isiZulu) has been implemented to curb domestic violence by equipping people with cell phones as tools to monitor and report abuse. Under this scheme, victims use cell phones to call a predefined and popular number and give details of the abuse.

The fear of being victimized has always made it difficult for victims, witnesses or relatives to step up and lodge complaints to the relevant authorities. There are examples of places where people had reported abuses and had been picked upon by the abuser. We have had friends of a victim reporting an abuse of their friend only to go home to be abused themselves by their spouses as punishment for “poking their noses in other people’s business”. These good citizens were made to pay the price for exposing a wrong thing.  

This fear has been totally eliminated under this project because of the provision of anonymity, the telephone call could be made in secret, and even the details of the reporter are not always required. This is a sharp contrast to the situation in the past where victims, neighbours, or witnesses were required to walk into a police station to make a formal report.

Apart from successes chalked in the number of reports that are received, there has also been a reduction in the numbers of abuse cases. This may be partly due to the deterring feeling among would-be abusers that, any passerby holding a mobile phone might just make sure they get a visit from a police detective for spouse battering.

3.4       ANIMAL FARMING

Technology has also been put to good use in farming.

Farmers who rear cattle in small herds, over time, develop a personal relationship with the animals, the farmer knows all of them and can notice a missing animal or a sick one with just a glance. However, because it takes months of careful observation of the behaviour of every cow to know every animal well enough to take note when there is an infection or when an animal does not ruminate properly, this task would be ineffective if it were performed by a human shepherd with a large herd.

To remedy this situation, the technology of vocal tags has been developed in Europe. This project employs a tag, which is a belt fitted with sensors and worn around each animal’s neck. These sensors monitor several indicators such as the animal’s rate of rumination, voice clarity, digestion and breathing and send the data collected to a central computer.

Over time the computer knows what is normal for every cow and will notify the shepherd when something goes wrong with a cow.

The advantage of this project is that a farmer can take quick and specific action like giving treatment to the particular animal involved. This removes the need to give general treatments to the whole herd, which is both time and money wasting.

These are some of the ways that technology is being used towards increased development.

CHAPTER  4

WHAT LESSONS HAVE BEEN LEARNT?

No matter how promising an idea or project sounds, there are bound to be problems encountered in the deployment of the project. In achieving the above projects, following are some of the problems one is likely to be faced with:

In the election monitoring program, misinformation has been identified to be one of the problems starring the program in the face. It is true that when all the information is not localized in the hands of government, then a lot more transparency will be achieved, but it is also true that mass misinformation remains an unpleasant possibility.

Another problem could arise when there is a situation where people do not necessarily trust the degree of independence of the so called independent observers. It may lead to a problem where parties could cast a slur on the reputation of the observers so as to use the resulting mistrust to set the stage for a possible rejection of the results.

Overall this is a laudable idea and if a means of verification were added, the figures would mean much more to a lot of people.

Whilst celebrating the successes chalked, it is important to note that a number of other factors needed to progress before a state could move towards a more democratic model of governance. According to African political expert, Sheldon Gellar, these changes include: strengthening independent media, growing and ensuring freedom of civil society, decentralizing power, ceding more control to local governments, empowering women and improving judicial systems to ensure independence and power to punish.

Governance is one area that is set to reap some benefits of this phenomenon when used judiciously, unilateral rule and arbitrary action may be reduced towards a more participatory approach to leadership in Ghana

Technology could help achieve those goals to some extent, as communication was the key to overcoming oppression.

In some of the cases, such as the election monitoring or domestic violence reporting, the internet could be used to provide communities with means to communicate, to organize and obtain good information which is not controlled by the government. However, this is not practical in Africa since only a tiny percentage of Africans have affordable access to internet.

In the healthcare project, basic mismanagement has been identified as one of the reasons why many projects seem to skid to halt after being piloted. Needed funds are not always available to those who need them.

Another problem observed was that the people who will be using the project are not always consulted in the designing and planning of the ideas, so there is a lack of communication between beneficiaries, health professionals, technologists, and managers.

Another problem was the theft of cell phones. Although cell phones are a relatively low-cost technology, they still hold considerable value in poverty-stricken areas, and are commonly stolen. And, such theft is likely to rise as these devices become more and more complex. However this is quite debatable since some analysts argue that losing a cell phone to a thief is less of a financial loss than losing a more costly machine.

In the domestic violence project one stumbling block was the communication gap between the various parties involved in the system. Feedback was largely missing and people could not tell whether their input was useful – or received, and in some cases, police officers who receive messages reporting violence against women may not be prepared to respond.

Another problem was the unfortunate situation where some unscrupulous people made the work more difficult for the authorities by raising false alarms. This could be addressed by education and the incorporation of punitive measures.

However to use effective punitive measures, even more advanced technology will be required, for example to pinpoint a particular cell phone subscriber, and take action against them like blocking their Subscriber Identity Module (SIM) Cards etc.

And the usual problem of financing in many projects is ever present as well, and it is the more predominant one in the animal rearing project.

CHAPTER  5

CONCLUSION

Granted, there are challenges that exist in using technology to achieve development goals, but such efforts still hold great potential and the costs of any obstacle will not stand in comparison to the threat of underdevelopment and poverty. So we can only strive to work harder at such solutions.

Our development attempts and efforts should think more seriously about sustainability and scalability. One important consideration in this direction is the affordability of the programmes we plan and develop. The more affordable options have a higher chance of success, so the fact that most of the development projects do not require any extraordinarily complex or new gadgets is indeed pleasant to note.

Also throughout the creation and deploying of any project, enough consultation should be carried out to ensure that there is a general buy-in into the idea from the creators to the beneficiaries. This will make an idea command a common sense of ownership.

The quality of the management should also be improved and measures should be put in place to ensure the right things are done.

Identifying the problem is half the solution. We already now have greater awareness and we have made some attempts at solving them. Putting our acts together to draw the lessons and re-strategizing with a new approach -technology, is definitely the way to go. I am confident of the viability of this new approach.

CITED REFERENCES

1         Steere M. Cell phones promise fairer elections in Africa. Cable News Network [Online]2009. Available from http://edition.cnn.com/europe. Accessed 2009 Feb 6.

2         Wikipedia. Technology.Wikipedia.org[online]2009.
Available from http://en.wikipedia.org/wiki/Technology. Assesed 2009 March 27

3         Macha N. Will Technology solve Africa’s problems?. Global Voices Online[Online]2009. Available from http://globalvoicesonline.com/ Accessed 2009 Feb 6.

4         Finnis A.J. Learning in the Information Age.Twinisles[Online]2009.
Available from http://dev.twinisles.com/research/learninfoage.htm. Accessed 2009 March 27

5 Kitetu, C. Gender in Education: An overview of developing trends in Africa.
Available from www.ling.lancs.ac.uk/groups/crile/docs/crile54kitetu.pdf. Accessed 2009 March 27

6 Castells M. Information Technology Globalization and Social Development.[Abstract]. In UNRISD Discussion Paper No. 114.September 1999.p11.

7 Walvaren K. Did you say cell phones for development? Association for Progressive Communications.[Online]2007.Available from http://www.acp.org/en/home. Accessed 2009 Feb 6.

About the Author

 

Grant $26.62 An analysis of the military strategies and ongoing legacy of the iconic Civil War general describes the leadership tactics and new technologies that he incorporated into his winning campaigns, demonstrating how his battlefield decisions directly influenced the war`s outcome.

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Is there anyone that actually earns a billion dollars a year?

I know Forbes releases info about people with high salaries in different fields but not everybody. Does anyone actually earn taxable income of 1 bill. Most billionaires have high net worths due to stocks owned, annuities owned, and stock options granted by their companies. Their actual annual taxable income is WAY different than their actual net worths, Warren Buffet said he makes btwn 45 – 50 mill taxable income but owns loads of stock options and other financial tools.

In a word, Yes.
There won’t be many since the recession earning that much a year though. What I have to say though is to make lots of money you need to have your finger in lots of pies so to speak. Own a business, invest in business, invest in stocks etc. Billionaires have a passion for work, not earning money, if they did they would stop after 1 billion wouldn’t they.
You always have to be looking to the future to earn many millions p.a and always give back, you don’t need extra money that you will never need if you can help save a friend from losing their home. Generosity will succeed in any capacity.

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Student Federal Loans, Grants, FAFSA?

I’m applying for a private student loan with sallie mae for this up coming semester, I know that I should try to avoid any type of “private” student loans but I’m living off campus and I need to pay rent, thats the only reason why I’m applying for a private loan. I thought about going for the Federal loans but i’ve been looking around and reading some feedback from others and I got the impression that the school will send back the extra money they don’t use. Is this true? Oh and i also filled out the FAFSA and I know for a fact that I will get approved and i’m planning on paying my tuition based on my FAFSA but if I get leftover money after the school takes what they need so they send me the extra cash? does that applying for grants also? i’d really want to know so I don’t borrower too much with the private loan i’m applying for.

First, the school will NOT send back the financial aid money they do not use. They will give it to you….at least once a semester. If the money is grants, you do not have to pay it back. If they are loans, you eventually will have to pay it back.

Second, just because you are living off campus doesn’t mean you can’t use federal student loans. I lived off campus for grad school and used my Stafford money to help with a portion of my rent and utilities. It takes a bit of planning… and remember you may not have the money before school starts… but I had a job and had saved up my own money as well.

Also, When you apply using the FAFSA you have the option of taking out a federal student loan. You should indicate “Yes” because the federal student loans will have an interest rate that is less than HALF what you will get with a private student loan. Not to mention you won’t have to have a cosigner. Also, don’t forget… the money from your loan (if you have any left over after paying tuition and fees) WILL BE GIVEN TO YOU…. to do with to pay for rent, utilities, transportation costs… etc.

Don’t take out a private student loan, do the Federal ones you are offered through fafsa and your schools financial aid office. You will need a credit worthy cosigner and if you cant afford payments, were to die or become disabled, your cosigner will have to repay your loan.

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Should our more unproductive schools have a teacher, and a 220 lb man powerhouse encouraging studies?

Permission is granted to fracture the non obedient.

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T. Soprano High.

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medical grants for children

Grants for schools are essential today

School grants have extraordinary plea because, like scholarships, they do not have to be repaid. This gives them that further advantage over student loans. Grants can be accessed through central and state government agencies via a detailed claim procedure.

The matter of applying for a school grant to help with the financial demands of higher education is certainly something you should consider. Applying for a school grant can be time overwhelming and a little complicated the first time around. In the end it will be worth it, when you’ve secured the school grant and have one less thing to worry about when it comes time to hit the books.

Private School Grants are the fund for the students looking grants exceptionally for their studies where they can approach their school’s financial aid department.

 

The federal government has many grants that any one organization can apply for. One might argue it is a waste of tax dollars. Keep in mind all that has been accomplished using grant money.

 

Because of this, most people would rather stay at home when they don’t feel good and hesitate to visit a doctor. This should not be the case as the person might suffer from more complicated health conditions.

The government is giving a lot of importance to the health of the people and so medical grants are now being offered. There are now assistance services that can subsidize the medical costs as well as the health insurance costs. Medicare and Medicaid are especially designed for families and their children. Which brings us to why I wrote this article and why you are still reading it? Because I know how difficult and most importantly how time consuming applying for grants can be.

School Grants are the fund given for the school and college students based on their race, grades, social activity and etc. Not many women are aware about these exclusive medical grants, as there hasn’t been enough advertisement for the same being done. Under the category of medical grants for women, your educational fellowships in medical colleges will also be considered.

Having new skills to combat unemployment or get promoted on the job can rely heavily on whether or not a person has more education than the next person.  For these reasons there are many new school grants for women websites and programs available to assist women with finding free money to enhance their job skills. If you were to look through a grant kit trying to identify where you can apply for school grants for women then you will invariably notice so many other categories that you are eligible to apply for as well.

Ideally, a student would invent looking for school grants money during the junior year of high school. This may seem early, but some awards require an application be submitted the year before you begin your first semester in school.

About the Author

Visit Here Now Grants for Schoolthis can greatly improve your chances of receiving grant money the quickest. Article by Website Development Company

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Government Grants To Start a Business

Government grants to start a business are funded from your tax dollars and are distributed to individuals, organizations and local governments to stimulate the economy, create jobs, support other government programs, and increase the tax base. These grants are the government’s way of investing in America. Government grants are available to help you start-up, expand or improve your business, if you are eligible. Whether you need $10,000 or $100,000 don’t miss the opportunity to take advantage of the available government grants and small business loans. Knowing where and how to apply gives you a distinct advantage.

Government grants are funded by the United States government yearly and countless millions daily by private and corporate foundations. All the funding for these programs come from your tax dollars and company profits. The federal government and these private foundations expect you to find out about these government grants and business funding programs all by yourself. But that’s almost an impossible task, because there are so many different types of grant programs and foundation give-a-ways that it would be a full time job just to keep track. The government is not trying to hide this information from you, it’s just that our elected officials spend all of their time developing these government programs and services and spend very little time promoting them. Government grants and foundation funds are available for entrepreneurs, students, businesses, inventors, minorities, veterans, the unemployed, youth services, and communities.

Government grants to start a business are almost always awarded for a specific purpose or project that has met the terms and guidelines of the specific grant. There are also strict terms and conditions that apply to all government business grants. If these terms and conditions are not followed, immediate repayment of the grant can be required. However, generally you do not have to repay grants or interest on them unless you break the conditions of the grant.

Government grants to start a business are readily available for individuals and companies to help them be successful. It is important to know, however, that to receive these grants there are certain requirements you need to meet. Furthermore, it is important to understand that unlike a loan, a government grant doesn’t require re-payment. Instead, you are obligated to abide by the terms of the grant; otherwise you will receive a penalty. For example, small businesses can apply for a government business grant if the company is having problems getting started, or has fallen behind in meeting its obligations. Once someone fills out an application for a government grant, it is then sent to a special committee, which ultimately decides whether or not the applicant will receive the grant.

The biggest hurdle for the average person is in knowing what business grants are available, how to contact the proper agency and how to properly write the grant application. Most people who file for a government grant fail to receive the grant because of improper filing of the grant application. This is why it is so important to purchase a quality grant writing kit. All the information that you need to apply for and receive a government grant should be in this kit.

For more information on government grants to start a business and grant writing kits visit:

http://www.USGrants4You.com

About the Author

Wendell and Charmayne Vannatter
Website: http://www.USGrants4You.com
WCV Marketing is dedicated to helping people create their own home based online marketing business. The ideas presented here will help the average person to create a profitable online in-home business. Using the ideas and tips in these articles anyone can create a successful home based business even in these times of recession.

Directory of Research Grants 2006 (Paperback) $185.09 A treasure chest of information on more than 5,100 current programs from 1,880 sponsors, including U.S. and foreign foundations, corporations, government agencies, and other organizations. Find grants for basic research, equipment acquisition, building construction/renovation, fellowships, and 23 other program types.

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