October 18th, 7:00pm. Parents & students! Learn how to navigate the college financial aid process.
Jennifer Philips?has been helping out parents and students navigate through the financial aid process for the past six years.? A year ago, she took on the position of Education Director for the Association of Builders and Contractors.? In this position, she is responsible for developing all program policies and procedures for their Education Center. She also assists in writing course curriculum and ensuring that the content meets State and Department of Higher Ed requirements. She obtained her Master Trainer certification in May and, since then, has been implementing training programs for companies throughout CT.? This experience in combination with being Fairfield University?s Assistant Director of Financial Aid for six years has given her a greater perspective on financing the various types of education that are out there. Although she has limited her outreach to area high schools with respect to advising parents on the financial aid process, she actively counsels parents and students in her private practice as a financial aid consultant.
Jennifer graduated from?St. Michael?s College with a Bachelors degree in Psychology and?obtained her?Masters in Industrial/Organizational Psychology at Fairfield University in May of 2009.
Author: Greg James | Total views: 144 Comments: 0 Word Count: 893 Date:
There is no homeowner who doesn't think about improving their home, whether it be major or minor. This article is full of advice to help you do that. Imagine the sense of accomplishment you'll feel when see the results of your home improvement efforts. Keep reading to get going now.
Consider radiant heat floor tiles if you replace the tiles you currently have. These are a special form-factor, which allows electricity to create power through a heating element and warm the ground beneath your toes. There are luckily some easy ways to do it yourself. You can add onto this project by doing it yourself or hiring a contractor. Once you step onto that warm floor on a cold morning, you will be forever grateful that you installed heated floors.
A popular choice for homeowners considering home improvement is vinyl decks. Vinyl is popular because it is easy to maintain: it only needs to be cleaned twice a year in order to keep it in good shape. The best season to clean your decks are fall and spring.
Keep your new flooring looking great by not letting people walk on it unless they remove their shoes. Lay down some slippers you can or have areas where shoes can easily be slipped off to provide encouragement to get everyone to take their shoes off. This will keep dirt and other various debris from getting smashed into carpet and scratching up floors.
Put nail holes in the rim of paint can. A common problem that occurs with paint cans is that paint spills from the can as the lid is replaced, thanks to a channel in the can. Use a nail to make several holes all the way around the can's perimeter into the channel's bottom in order to fix this.
Use wallpaper and varnish to create an inexpensive back-splash in your kitchen. Use a wallpaper you like. Measure your wall space and cut your paper a little large. Apply the paste and allow it to sit for a while, until it becomes tacky. Then, hang the wallpaper over the area you applied the paste, using a squeegee on the paper to eliminate bubbles and smooth things out. Finally, cut the edges to make it fit perfectly. Varnish should then be brushed on. Enjoy!
When you are doing major renovations on your home, think wisely and decide to make bathrooms accessible for the handicapped. Although you may not need your bathroom to be handicap-friendly now, if you stay in the home when you get older, you may need it to be. Even if you eventually sell the property, the improvements you make will enhance the value of the home.
You don't have to spend lots of money to brighten up your kitchen and bath. Just invest a few dollars in good light fixtures. Track lighting can appear dated and should be changed out in favor of more modern fixtures. This fix is best installed by a professional electrician and should cost under one thousand dollars. Pendant lights are a great option to use in the kitchen for an elegant appeal.
Look for and watch "how to" videos regarding the job you want to do. Try to be as specific as possible when it comes to the model numbers. Many people have the same questions as you and there are online answers available for you all. These videos make it unnecessary for you to reinvent the wheel when it comes to completing any project.
If you'd like to improve your home's energy efficiency levels, place weather stripping by your doors and windows. It is a cheap fix that will seal the air leaks around the windows and doors and reduce the cost of heating and cooling your home. You won't experience drafts on cool, breezy nights, either.
Remember to consider landscaping when thinking about home improvement projects. Your front lawn is the first thing people see when they look at your home, and a beautiful front lawn can impress your neighbors and any visitors. Keep the grass neatly mowed, and install plants and shrubs to make your property look attractive.
Listening to music while you work can help you pass the time. This isn't a bad idea, but you might want to skip the headphones. They can block important noises and reduce your alertness, hampering your safety.
When thinking about home improvement, make certain you monitor surroundings and even then just make improvements that are logical. Forgetting things like insulation in the North, or sun-shielding in the South, will seriously lower the value of any renovations you make. Add value to your home, not negative features.
Painting is one of the simplest and most affordable home improvements you can do, yet it is also one of the most effective. Fresh paint has the ability to make a home feel new again and is easy and cheap to apply. Fresh paint makes your home more attractive to buyers.
As mentioned in the introduction, feng shui is a great idea about arranging things in the home. Feng shui is a unique type of home improvement. It can provide your home with a whole new feel and look.
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The commercial real estate market in the Colorado Springs area continued to soften during the third quarter as vacancies edged higher and rents fell slightly, according to the latest report from Turner Commercial Research.
Conditions aren?t likely to improve until after the November election ? and then only if the local economy starts generating jobs, said Paul Turner, owner of the local independent real estate research firm.
?Without people working in commercial buildings, there won?t be much additional leasing. Without a meaningful improvement in the jobless rate, you won?t see much change in vacancy rates,? Turner said.
The combined vacancy rate for offices, shopping centers and industrial buildings climbed to 12.2 percent as of Sept. 30, up from 12.1 percent during the second quarter and 11.9 percent a year earlier. The average asking rental rate for all types of space declined to $9.57 a square foot from $9.60 three months earlier and $9.89 a year ago.
Most tenants are ?sitting on the sidelines until after the election and waiting to see what happens,? particularly with a series of tax cuts scheduled to expire at year?s end and automatic cuts to the federal budget totaling $110 billion ? evenly split between defense and domestic spending ? beginning in January, said Dale Stamp, president of Quantum Commercial Group, a local commercial real estate brokerage firm. ?I have been in this business almost 25 years and I have never seen a situation where politics has played such a big role in business decisions.?
The vacancy rate for office space rose to 15 percent at the end of the third quarter from 14.9 percent in the previous quarter and 14.4 percent a year ago. Average office rents inched up to $10.28 a square foot from $10.27 in the second quarter, but down from $10.44 during the third quarter of 2011. Vacancy rates for Class A, or the best, office space jumped to 22.2 percent? from 21 percent during the second quarter and 19.9 percent a year ago.
Shopping center vacancies increased to 12.5 percent during the July-to-September quarter from 12 percent in the second quarter and 11.4 percent during the third quarter of 2011. Average rents fell to $12.38 a square foot from $12.46 in the previous quarter and $13.10 a year ago.
Vacancies in industrial buildings dipped to 9.6 percent in the third quarter from 9.8 percent in the April-to-June quarter and 10.1 percent in the third quarter of 2011. Average rents slipped to $6.04 a square foot in the third quarter from $6.09 three months ago and $6.12 a year earlier. ? Contact Wayne Heilman: 636-0234 Twitter @wayneheilman Facebook Wayne Heilman
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If you're in the market for a mini fridge, you've probably already realized that none of them can approach the quality and performance of a standard-sized refrigerator. That being said, mini fridges can have a wide range of applications-whether it's to chill beer in your man-cave, stash bagged lunches in the office, or store White Castle burgers in your dorm room. More »
Reinforcing its commitment to bring high-quality, affordably priced videoconferencing systems to all parts of the country, Stampede Presentation Products, Inc., North America?s leading distributor of ProAV products, and Vaddio today announced plans to introduce a special new videoconferencing bundle at next week?s Kansas City, Missouri stop of Stampede?s Big Book of AV Tour, taking place October 17, 2012 at the Kansas City Marriott Hotel.
The new product bundle includes a Vaddio ClearVIEW HD-USB PTZ Camera; EasyTalk USB Audio Bundle composed of one EasyUSB Mixer/Amp, one EasyMic MicPOD with integrated Echo Cancelling, and one EasyTalk Sound Bar; and a WEBBi Web controller, including one WEBBi Base Unit, one 12 VDC Power Supply & Power Cable, and One 6? USB A to B Male cable. What?s more, all dealers who purchase this new bundle between October 17, 2012 and December 31, 2012 will receive a $500 American Express Gift Card.
To further underscore the benefits and profitability of their USB conferencing products, Vaddio will be on hand in Kansas City to conduct a special training session entitled ?Why Vaddio Represents the Next Great Sales Opportunity for IT, Telephony, VOIP and AV Dealers,? that will serve to introduce attendees to Vaddio?s USB conferencing offerings and reinforce just how easy and profitable it is to sell Vaddio USB solutions.
According to Stampede President and COO Kevin Kelly, ?Vaddio?s EasyUSB line has been a huge benefit to our dealers who want to offer high quality conferencing systems to their clients at a compelling, cost-effective price point. This new bundle package and rebate program will serve to make video conferencing systems even more profitable for our dealers. ?
The 2012 Big Book of AV Tour features more than 40 exhibitors including Atlona, Benq, BrightSign, Canon, Chief, Christie, Draper, Epson, Gefen, Hall Research, Hitachi, Hitachi StarBoard, Ken-a-vision, Kramer, LG Panels, MediaPOINTE, Mitsubishi, Mustang, NEC, Optoma, Peerless, Perfect Path, Samsung, Sharp and Sony.? Remaining stops on the Fall 2012 Tour include:
October 24, 2012????????? New York, NY
November 8, 2012????? San Diego, CA
December 5, 2012??????? Atlanta, GA
About Vaddio
Vaddio is the leading manufacturer of specialty PTZ cameras and camera control systems used in the audiovisual, videoconference and broadcast industries. Your customers demand cutting-edge technology that?s simple to use. You want equipment that?s easy to install and reliable to operate. Vaddio serves integrators and operators alike ? with broadcast-quality PTZ cameras and control systems that deliver the performance you need with the convenience you demand. For more information on Vaddio and its product lines, visit www.vaddio.com.
About Stampede
Known for its value-added distribution, Amherst, New York-based Stampede is the leading distributor of presentation equipment including LCD/DLP projectors and flat panel displays. Stampede provides a complete range of brand name presentation equipment to a variety of audio/video, computer, and home theater resellers and integrators in the United States, Canada and Latin America. These resellers rely on Stampede for value-added services in distribution, marketing and solution- based sales. Stampede annually produces the ?Big Book of AV,? an 816-page catalog and companion website (www.BigBookofAV.com) providing hundreds of sales, installation and spec tips for Stampede?s dealers in addition to product details on more than 5,000 SKUs. For more information on Stampede, log onto www.stampedeglobal.com.
Eurozone financial transaction tax receives backing from 11 states
Eleven euro zone countries agreed on Tuesday to press ahead with a disputed tax on financial transactions designed to help pay for the cost of fixing a crisis that has rocked the single currency area.
The initiative, pushed hard by Germany and France but strongly opposed by Britain, Sweden and other free-marketeers,
gained critical mass at a European Union finance ministers' meeting in Luxembourg, when more than the required nine states agreed to use a treaty provision to launch the tax.
The so-called ?Tobin tax?, first proposed by Nobel-prize winning U.S. economist James Tobin in the 1972 as a way of
reducing financial market volatility, has become a political symbol of a widespread desire to make banks, hedge funds and high-frequency traders pay a price for the crisis.
"This is a small step for 11 countries but a giant leap for Europe,? Austria Deputy Finance Minister Andreas Schieder said.
"The way is now clear for a just contribution from the banking and financial sector for financing the burdens of the crisis."
The agreement raised the prospect of a pioneer group of European states for the first time launching a joint tax without
the unanimous backing of the 27-nation bloc, a move that may fragment the single market for financial services.
EU Tax Commissioner Algirdas Semeta told the meeting the number of states backing the initiative had passed the quorum for so-called ?enhanced cooperation?, provided some countries turn their oral backing into written commitment.
"I proposed this tax as a source of new revenue from an under-taxed sector, and a means of encouraging more responsible trading,? Semeta said. ?It would also prevent a patchwork of national bank taxes from creating difficulties for businesses in the Single Market."
However, critics say it could distort that market by giving banks and other traders incentives to shift their trading
activities to European financial centres where the tax is not levied, or away from Europe altogether.
"People will arbitrage it. People will find a way around it,? said David Stewart, CEO of London-based hedge fund firm Odey Asset Management, which runs around $6.5 billion.
"If someone really wants to buy a company that's good, I'm sure they'll keep on buying it. But if it's a synthetic
derivative then they may go somewhere else ... More volume will go through London."
Britain, home to the region's biggest trading centre, will not join the scheme.
Austrian Finance Minister Maria Fekter said the 11 countries would present a model for how the tax would work by the end of the year, and it was realistic to expect the tax to be implemented by 2014.
Semeta said the countries aiming to launch the tax did not yet agree on where the proceeds should go or on what they should be spent.
"Some of them would like to spend it individually. Some of them prefer to use part of the proceeds to finance the EU
budget. It is premature to say what will be the final outcome,? he said.
The breakthrough was a surprise to many EU diplomats who had thought Germany might fail to convince sufficient countries to join the plan, which has been in the works for two years.
After heavy diplomatic pressure from Berlin overnight, Spain and Italy agreed to support the measure. Slovakia and Estonia said they would throw their weight behind it too.
The European Commission has said a tax on stocks, bonds and derivatives trades from 2014 could raise up to 57 billion euros a year if applied across all countries.
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BIRMINGHAM, England (Reuters) - The Conservatives would slash government spending on welfare by 10 billion pounds a year if re-elected, Chancellor George Osborne said on Monday, though he offered few ideas on how to bring the economy out of recession.
The 2015 election is likely to be decided on the health of the economy, the pace of deficit reduction and the areas of spending and taxation on which each party would focus to balance stretched public finances.
The Conservatives, who had bet that growth would reduce the deficit and help them win the next election, are struggling with a recession and a series of blunders which have put them about 10 points behind the opposition Labour Party in opinion polls.
Chancellor of the Exchequer Osborne and Prime Minister David Cameron are trying to use their party's annual conference in Birmingham to project an image of economic prudence and have promised more spending cuts across the board.
They hope voters will welcome a further 10 billion pounds of cuts in welfare spending - an area often portrayed in the media as rife with scroungers and waste.
"How can we justify giving flats to young people who have never worked?" Osborne told party supporters before a large Union Jack-design backdrop at a party conference whose slogan is "Britain can deliver".
"We will have to find greater savings in the welfare bill," he said.
But his plans may cause tension with the government's Liberal Democrat junior coalition partners. Osborne dismissed their calls for a "mansion tax" on expensive homes or a further tax on the wealthy.
"This party of home ownership will have no truck with it," he told the conference. "The great bulk of savings must come from cutting government spending - not increasing taxes."
Osborne, a close Cameron ally who was booed by crowds at a Paralympics medal ceremony last month, said Western democracies faced impoverishment relative to wealthy emerging economies unless they reformed welfare, education and tax.
In the 35-minute speech, Osborne said the Conservatives must appeal to those who aspired to improve their situation, adding it was a delusion to believe public finances could be put back on track by raiding the "wallets of the rich".
Britain's welfare budget is estimated at 207 billion pounds ($335.2 billion) in 2012/13 - almost a third of total spending.
Labour, which wants to see more taxes on banks and the rich, says Osborne has cut spending too quickly and choked demand. The government says softening its austerity plan would endanger Britain's recovery by putting its low borrowing costs at risk.
But many Conservative lawmakers are worried that Osborne cannot revive growth. In one of the biggest set-piece speeches of the political calendar, the 41-year-old offered few new ideas on how to nurture Britain's stagnating economy back to health.
OSBORNE'S GAMBLE
Osborne's March budget forecast he would have to cut borrowing by 49 billion pounds in the two years following the 2015 election, after weak growth put paid to his plan to eliminate the record deficit before the election.
Osborne has staked his reputation on preserving Britain's AAA sovereign credit rating. A 375 billion pound central bank-funded bond-buying drive has reduced the cost of government borrowing to record lows.
But the underlying budget deficit has risen by a fifth so far this year compared to the same period last year and public sector debt rose to more than 1 trillion pounds at the end of August - 66 per cent of gross domestic product.
Investors say Osborne, who announces revised economic and borrowing forecasts on December 5, will be forced to either cut spending more deeply or extend austerity well after the next election to honour his pledge to tame the deficit.
Osborne has refused to say how far behind schedule his deficit reduction plan is but he rebuffed critics who say he should pump up demand with government spending.
"Our critics would gamble everything: our credibility, our financial stability, our low interest rates, the cost of our debt they would risk everything on the dubious idea that a few billion more of spending would dramatically improve the fortunes of the trillion-and-a-half pound British economy," he said.
Osborne said he would allow companies to offer shares in the business to new employees in return for giving up certain dismissal and redundancy rights. He also said shale gas could get generous tax breaks.
Shaving more off the welfare budget would allow cuts in other government departments to be held at a similar pace as is being enforced in current spending plans which run until the end of the 2014/15 fiscal year, according to Treasury calculations.
The government's next spending review, expected before 2015, will cover much of the 2015-2020 parliament and set the tone for the election battle.
(Editing by Mark Heinrich, Giles Elgood and Paul Taylor)
TOKYO (Kyodo)--Seven Chinese navy warships sailed through waters between Okinawa Island and Miyako Island in Okinawa Prefecture on Thursday in the first passage of Chinese warships in the waters since Japan nationalized the Senkaku Islands in the East China Sea last month, the Defense Ministry said. read full article...
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