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Financial costs of college can often times be a burden to families. But
with changes coming soon, families will thank the House of Representatives
for passing the College Affordability and Opportunity Act on February 7th,
which now goes to a compromise committee.
The College Affordability and Opportunity Act is the 2008 version of the
Higher Education Act of 1965, which will be revised and extended. The
new act will be based on more conventional reforms, such as increasing
federal loan monies and lowering financial costs for a variety of economic
groups.
The "College Consumer's Bill of Rights", which is included in the act, is
directed at providing loan applicants and recipients with a better knowledge
of their entitlements throughout the process. The requirements directed at the
accountability of loan providers are also increased in this bill, such as "the right
to know that your student financial aid office does not accept or share
revenues from lending companies."
According to a national college counselor associate from New York, "Students
who are not receiving financial aid perhaps will benefit from lower costs, if
colleges and universities become more systematically accountable for what
they charge students. But unless colleges and universities drastically reduce,
rather than merely reform future increases, many students are still going to
graduate with an enormous amount of debt."
The act also is designed to reduce textbook costs by requiring publishing
companies to provide teachers with full textbook price lists, and suggests
teachers give prior notice of book selection for courses. These changes
will aid all students regardless of their financial situation by allowing staff to
compare book prices and allowing students to purchase cheaper books.
Some experts think the cost of books should be included in tuition fees
because of the large financial cost. Many students are frequent library visitors
because they can't afford the books they need
The Tuition Rx Program provides solutions to the high cost of education. Their online community of experts researches and compiles the most up-to-date tax, financial and admissions strategies, in order to provide families with the most cost-effective methods to save and pay for college. Free membership is available at http://www.tuitionrx.com/
Contact:
College Funding Resources
Jeffrey Taylor, Your Money Coach
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
Written by Frank Burtnett, Ed. D. and reposted by Jeffrey Taylor
Dr. Frank Burtnett, veteran counselor and educational consultant, has
written extensively on the mistakes made by college-bound students in
the exploration, decision-making and application process. Following are
the errors that savvy admission professionals tell Frank are commonly
made, ones that should be avoided at all cost:
Mistake # 1 - You miss the boat academically
The single most importance factor in gaining admission to the college of
one's choice is how well one performs in the most challenging college
preparatory curriculum. Simple translation: Take tough subjects---do
well in them!
Mistake # 2 - You ignore great resources
In this age of the Internet and the information explosion, too many
students still fail to "zero in" on the resources and information that can
help them the most. Counselors, librarians and teachers can guide a
student toward these resources. Seek their guidance.
Mistake # 3 - You follow the pack
A student should explore colleges, make application and eventually
enroll at the college that is best for him or her---not the one that their
friends are considering. It's all about comfort and fit and the college
you select should be the one that meets the student's personal criteria.
Mistake # 4 - You don't take the college for a test drive
It is amazing how many college-bound students pursue their interest in
a college or university without even looking at it "up close and personal."
In order to take the pulse of an institution, one needs to go there, sit in
on a class or two, eat in the cafeteria, attend a concert or athletic event
---even stay overnight in a dorm room if possible.
Mistake # 5 - You decide there is only one "right" college.
The last time I checked there were more than 3,500 two and four year
colleges in the United States. So don't be upset if I don't buy into your
idea that there is only "one" right one for you. Create an exploration list,
followed by an application list of those schools that match up with your
personal criteria. Take the broad view of your options before you begin
to narrow your selection. It's amazing what you will learn.
Mistake # 6 - You make price your priority
It's hard to look at colleges and not look at the price tag associated with
each, but recognize a couple of things as you do. First, at some institutions
upwards of two thirds of enrolled students are using financial aid in order
to attend. Also, you don't really now the final cost until you exhaust all
of the forms of financial assistance---many of which will bring down the
final price.
Mistake # 7 - Your essay or interview "bomb"
If a college asks you to write an essay or sit for an admission interview,
they are going to factor what you give them into their admission decision.
The key here is to be your self. Write about a subject that is close to you
or you know something about. Be poised and curious in your interview
and don't try to give answers you think the interviewer wants to hear.
Mistake # 8 - You let the dog eat your application
Your application and supporting materials are all the admission staff or
committee have to examine once the evaluation process begins. The
application is your voice. Make certain it is complete, accurate and
neatly prepared.
Mistake # 9 - You fail to manage time
The college exploration, decision-making and application process are
time consuming and come at a time when you have a lot of work to do
in high school and many non-school things (i.e., concerts, athletic events,
ski weekends, etc.) that can siphon away your time. Create a list of
things that need to be done and a timetable for their accomplishment.
Then practice good time management.
Mistake # 10 - You ignore the very allies that can help you
Counselors and college admission and financial aid officers can be your
greatest allies during this period. Use them, but remember you are not
the only student they are helping. They are very good at what they do
and you can benefit from having their expertise and understanding on
your side.
If you have conducted a smart search and avoided the mistakes
mentioned here, there is a strong likelihood that a letter of acceptance
will find its way to your mailbox.
--
Live With Purpose! For more valuable information and tips on college funding and education planning, go to http://www.tuitionrx.com/
Contact:
College Funding Resources
Jeffrey Taylor, Your Money Coach
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
How to pay for college and retirement at the same time, solving one of your biggest headaches...
Detroit, MI-How old will you be when your child graduates from college? Today's cost of college education is daunting, especially for parents with several children to educate. Many families have discontinued contributions to their retirement plan as their child enters their Junior and Senior years of high school, and they struggle to have enough funds available for their higher education. Some are actually withdrawing money from their retirement plan to pay for college. Will they be able to catch up after paying for college or will they be forced to work way beyond retirement age?
Today's cost of higher education is increasing at a rate of 7% - 15%, and more. Parents must decide between providing their children with the best possible education and the cost of the educational institution. To help families with this ‘cost vs. value' decision parents have taken a proactive approach and enlisted in the services of Tuition Rx, an online college planning resource center and bi-monthly e-mail newsletter.
Jeffrey Taylor is flooded with emails from parents thanking him for his tips and advice for planning the financing of their children's future education. Tuition RX was established to help families with the affordability issues of higher education. The first component of the site is an all inclusive resource center for college planning that gives member families the tools they need to find the best ways to save and pay for college. Parents enjoy the benefits of the discussion board where they get their questions answered by nationally known experts in the college planning industry and a library of e-books that provide families with hundreds of college cost reduction strategies.
The second component is the College Funding News E-newsletter, providing the latest college cost reduction tips and strategies for parents and gift ideas for grandparents.
This unique college planning website and email newsletter service is free; go to http://www.tuitionrx.com/ to register a membership and enjoy immediate access to a wealth of college planning information.
Contact:
College Funding Resources
Jeffrey Taylor
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
This press released was distributed by Right Now Marketing Group, LLC
A free college planning website and e-newsletter that helps families discover little-known strategies and opportunities to reduce the high cost of a college education
Southfield, MI-Jeffrey Taylor is known to southeast Michigan parents as Your Money Coach. He offers a program to teach parents cutting edge techniques for planning and funding their children's college educations. The Tuition Rx Program is an online source of valuable tips, strategies, a newsletter, and tools for parents and their students to find ways of paying for college without depending on financial aid.
Mark Maupin of Right Now Marketing Group said, "I wish I had this resource when I was paying for my daughter to attend college. I am most impressed by the discussion board where experts answer questions about college funding. What a great resource for parents!" Mark exclaims. Families can access the discussion board to get answers to their questions 24 hours a day, seven days a week. Each registered family also receives the college funding News Newsletter which is published 24 times per year, providing the latest college cost reduction tips and strategies for families.
The Tuition Rx Program provides solutions to the high cost of education. Their online community of experts researches and compiles the most up-to-date tax, financial and admissions strategies, in order to provide families with the most cost-effective methods to save and pay for college. Enrollment is simple and free at http://www.tuitionrx.com/
Contact:
College Funding Resources
Jeffrey Taylor
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
This press released was distributed by Right Now Marketing Group, LLC
Jeff revealed the truth about beating the high cost of college financing; his unheard of strategies are saving families thousands of dollars
Southfield, MI-Jeffrey Taylor is known to many parents as "Your Money Coach." He offers free online seminars, offering tips to parents financing their children's college education. "I attended his seminar and I wish this was available to me when I was paying for my daughter's education," said Mark Maupin of Right Now Marketing Group. "I'm amazed at Jeff's knowledge and advice on getting the most from financial aid."
According to education financing expert, Jeffrey Taylor, many parents make costly mistakes when planning their child's future. They just don't realize how much it will take for their future education and they do not account for the cost which is increasing much quicker than the rate of inflation. Jeff showed parents how to double or even triple their eligibility for financial aid and how to position their assets to maximize the aid they'll get. "Not one in a thousand financial advisors can do this!" Jeff says. Parents learned how some middle-class and upper-class parents pay close to nothing for their children's college education and how their children attend expensive private universities for less than the cost of state schools.
Jeff explained how important picking the right school is, considering financial planning as well as the quality of education they have to offer. Some colleges offer better financial aid programs than others, lowering out-of-pocket costs and maximizing the amount of money received in financial aid. He explained how to fill out the complicated financial aid forms accurately and timely. "Over 90% of parents fail to fill out these forms properly; they get much less money than what they would be entitled to," Taylor explains.
This seminar provided insightful, straightforward facts parents need to know to receive the most money possible to combat the astronomical college expenses. For details on the next event visit http://www.tuitionrx.com/ and sign up for a free membership to receive newsletters and a free electronic book (ebook) loaded with valuable tips.
The mission of the Tuition Rx Financial Education Association and its member advisors is to educate the general public on the opportunities and the pitfalls that face families planning to finance college. The subject of student financial aid is covered profusely in the media, but little is discussed about how to pay off college debt assumed by the parents. The association's non-profit status allows member advisors to provide free workshops to their local communities on the subject of using cash flow and cost containment strategies as an alternative to college debt.
Contact:
College Funding Resources
Jeffrey Taylor
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
This press released was distributed by Right Now Marketing Group, LLC
Today's cost of higher education is rising at twice the rate of inflation, or more; will you be able to afford the cost of your child's college education?
Detroit, MI-"My neighbor has three children who are currently attending college. I just find it unbelievable how quickly time flies; it seems like just yesterday, I was baby sitting for these children!" says Sue Downey of Right Now Marketing Group. College Education costs are increasing exponentially and parents are finding it difficult to fund their children's education. Some have been saving since their child was born, just to find they can barely cover the cost of their first year or two.
Jeffrey Taylor, Your Money Coach, is an expert at college planning solutions for parents. According to the College Board, the price of a four-year public university rose 5.6% in 2005-2006, and four-year private college costs rose 4.8%! As a result, families have been forced to take a hard look at their options. Many are making college choices on cost alone, rather than considering the quality of education; some are forced to use their retirement funds.
Though many high schools across the nation have made the effort to provide families with information about financial aid, the problem remains that a lot of financial aid is in the form of student loans. Furthermore, financial aid does not cover enough of the cost, leaving parents a large balance, especially if they have several children to educate.
The Tuition Rx Program provides solutions to the high cost of education. Their online community of experts researches and compiles the most up-to-date tax, financial and admissions strategies, in order to provide families with the most cost-effective methods to save and pay for college. Free membership is available at http://www.tuitionrx.com/
Contact:
College Funding Resources
Jeffrey Taylor
29777 Telegraph Rd; Ste 2500
Southfield, MI 48034
248-230-9668
This press released was distributed by Right Now Marketing Group, LLC
It is important that your chimney be in proper working order. It main function is to carry hot toxins, gasses and carbon monoxide from your home to the outdoors. If there is a problem with the chimney venting system, it can be a major fire hazard or a health issue if gasses and toxins are not exhausted to the outdoors.
A missing chimney cap:
- Allows rain and snow to enter, leading to moisture build-up, causing damages, health issues and the need for extensive repairs
- Allows birds and small animals to take refuge and build a nest in a nice warm area, causing a fire hazard by providing fuel for sparks to ignite
- Creates a fire hazard as hot embers and sparks escape into trees or fall to the roof or your yard
A crumbling chimney or leaking chimney:
- Can fall over and hurt someone
- Allow poor exhaust flow and cause a fire
- Allow gases to escape into the house
- Moisture buildup and mold damages; health hazards
- Damages increase over time due to being exposed to all weather elements
The solution is to have your chimney inspected by a specialist, who understands how important it is to have a good quality chimney liner that is strong and durable. Have the chimney waterproofed with a breathable chimney waterproofing substance sprayed on the exterior of the chimney to prevent moisture damage. This will add to the safety value of your home and saves money in energy costs.
This was written by Mark Maupin of Brick Repair, LLC, who provides exemplary masonry restoration to damaged buildings, maintaining cosmetic and structural integrity while beautifying the community through expert handiwork. He provides a satisfying customer experience from demolition and rebuilding to debris removal and clean up. Mark will provide special care for historical buildings in need of restoration to help communities remain structurally sound and pleasing to the eye.
Contact for Free Estimate:
Mark Maupin
Brick Repair, LLC.
(248) 895-7752
http://michiganchimneyrepair.com/
Chimney repair, chimney restoration, chimney re-facing, tuck pointing, head joints, bed joints, chimney cap, chimney crown, chimney leaks, chimney roof flashing, chimney liners, chimney sweep performed in and around the following cities:
Detroit, Ferndale, Farmington, Royal Oak, Lincoln Park, Highland Park, Hamtramck, Farmington Hills, Bloomfield, West Bloomfield, Waterford, Oak park, Southfield, Huntington Woods, Berkley, Orchard Lake, Walled lake, Milford, Highland, White Lake, Commerce, South Lyon, New Hudson, Warren, Rochester Hills, Rochester, Auburn Hills, Oakland County, Wayne County
Oh, how annoying! Chimney problems and faulty fireplaces are a frustrating problem for a homeowner to face. Chimney problems can be difficult and time consuming to diagnose. There are many areas that can cause a chimney to leak, including the chimney cap or the crown, or the roof flashing around the chimney, or even porous bricks. It's much more complicated than you would think. That's why it is a good idea to have a chimney repair specialist evaluate the problem.
You might have your favorite, all-around handy-man that you regularly consult with for small home repairs, but chimney repairs should be handled by an expert. Remember, your chimney is where hot air and fumes are carried from the home; if it isn't functioning properly, it could be a fire hazard. If it is not venting properly, it is a potential health hazard.
When using a fire place, heat rises through the chimney, drawing cooler air from the room into the fire place, which fans the fire, increasing he heat, to continue on in a cycle. Like chimney leaks, fire place problems should also be evaluated by an expert. Understanding fireplaces requires scientific knowledge of air flow patterns and pressure differentials. It is also important be experienced with different fire place construction types when choosing materials and supplies and determining avenues of repair.
Do not trust the repair and maintenance of your chimney and fire place to just anyone; call an expert for a professional annual inspection and cleaning.
This was written by Mark Maupin of Brick Repair, LLC with over 12 years experience in brick, block and masonry repair. He currently specializes in chimney repair and restoration. Mark has access to most all types of bricks and blocks to match up to the textures and colors needed for your restoration needs. Mark takes pride in his work as he restores original beauty while maintaining structural integrity. Mark does not cut corners...he builds them.
Contact for Free Estimate:
Mark Maupin
Brick Repair, LLC.
(248) 895-7752
http://michiganchimneyrepair.com/
Chimney repair, chimney restoration, chimney re-facing, tuck pointing, head joints, bed joints, chimney cap, chimney crown, chimney leaks, chimney roof flashing, chimney liners, chimney sweep performed in and around the following cities:
Detroit, Ferndale, Farmington, Royal Oak, Lincoln Park, Highland Park, Hamtramck, Farmington Hills, Bloomfield, West Bloomfield, Waterford, Oak park, Southfield, Huntington Woods, Berkley, Orchard Lake, Walled lake, Milford, Highland, White Lake, Commerce, South Lyon, New Hudson, Warren, Rochester Hills, Rochester, Auburn Hills, Oakland County, Wayne County
It is important to have your chimney inspected every year to be sure it is safe and functioning properly. Remember, your chimney exhausts hot, toxic gases and carbon monoxide from your home. Mark Maupin of Brick Repair, LLC, offers the following tips on chimney safety:
Have an annual inspection done by a chimney repair specialist. Cracked, leaky, deteriorating chimneys cause water damage and exhaust flow problems; waterproofing with a breathable substance which is sprayed onto the exterior of the chimney prevents water damage.
Have the fire place and firebox inspected annually for damage and wear; cracked bricks and deteriorating mortar joints; repairs must be made with heat resistant refractory mortar to restore structural integrity. Tuck pointing and repointing is the process for repairing mortar joints.
Put a chimney cover or chimney cap at the top of the flue to avoid moisture damage to masonry and steel chimneys and to keep birds and other small animals out.
If you have a wood stove, you may have a catalytic combustor, which requires cleaning about every 5 to 6 years; check the owner's manual and stick to the maintenance schedule
A smelly fireplace, known as chimney breath is often caused by moisture, rain and humidity. Early spring is a good time for chimney cleaning to reduce summertime odors from moisture.
Chimney Sweeps are best done in the spring time, in case repairs are needed. Things get hectic in the fall, when most people have their chimneys cleaned, and if extensive repairs are needed, it might be difficult to get them done in time for winter.
Mild winters mean more chance of chimney fires as people choke back wood stoves on milder days, leading to more creosote accumulation. Many don't realize this, so they put off having a chimney cleaned after a mild winter.
Dry wood is the best wood to burn. Of course, Oak and other hardwoods are the most selected, but softer wood is ok too, as long is it is properly dried. It's much more important to burn dry wood than to worry about what kind it is.
Stove and vent pipes should be inspected at least once a year and replaced if they show signs of rusting or wear. It is also important that they be properly installed and fastened securely at joints.
Gas logs produce a lot of water vapor when they are burning, which can cause mold and mildew, leading to respiratory problems. If you burn gas logs, it's a good idea to have a CO detector, which can be picked up at any home-improvement chain store.
Spring time is the best time to have you chimney inspected and cleaned if necessary. It is a great time for any repair or maintenance work to be done to eliminate mold and moisture problems, fire hazards and venting problems. Water proofing, chimney sweeps, chimney liners tuckpointing and chimney reconstruction are best done during spring, to assure safety and proper function in the winter.
Mark Maupin of Brick Repair, LLC has over 10 years experience in brick, block and masonry repair. He currently specializes in chimney repair and restoration. Mark has access to most all types of bricks and blocks to match up to the textures and colors needed for your restoration needs. Mark takes pride in his work as he restores the original beauty while maintaining structural integrity. Mark does not cut corners...he builds them.
Contact for Free Estimate:
Mark Maupin
Brick Repair, LLC.
(248) 895-7752
http://michiganchimneyrepair.com/
Chimney repair, chimney restoration, chimney re-facing, tuck pointing, head joints, bed joints, chimney cap, chimney crown, chimney leaks, chimney roof flashing, chimney liners, chimney sweep performed in and around the following cities:
Detroit, Ferndale, Farmington, Royal Oak, Lincoln Park, Highland Park, Hamtramck, Farmington Hills, Bloomfield, West Bloomfield, Waterford, Oak park, Southfield, Huntington Woods, Berkley, Orchard Lake, Walled lake, Milford, Highland, White Lake, Commerce, South Lyon, New Hudson, Warren, Rochester Hills, Rochester, Auburn Hills, Oakland County, Wayne County
Dumpster rentals are essential for homeowners who are doing large home renovation, landscaping or garage clean-out projects. The rubbish will have to go somewhere. Piling it up in the back yard or hiring a hauling service at premium prices isn't the best solution.
A good trash company will accommodate the homeowner as well. They will explain the options to the average homeowner who may not be familiar with their terminology. Roll-off containers are rented in standard cubic yard sizes. The bigger the job, the larger dumpster you will want to rent.
Be sure to choose the right size container for the job; you will typically want a container that is one size larger than you think you will need. Carpet, scrap wood, drywall, yard waste and rubbish that has accumulated over the years will take up a lot of space. Concrete, rock and dirt will be heavy and should only fill the container about quarter or half full. Your rental company will be able to advise you on this issue.
Different volume sizes come in different dimensions. Height is an important thing to consider when lifting heavy materials over the side; you might ask if you can get a lower container if you're disposing of heavy items. Following is a description of typical dumpsters and roll-off containers:
10 Cubic Yard Container: 12 feet long, 8 feet wide and 4 feet high is a 10 yarder. It would be good for a small job, like tearing out a small bathroom.
20 Cubic Yard Container: 12 feet long, 8 feet wide, 41/2 feet high. This is usually the minimum size container for a large job; it will accommodate the rubbish from a small bathroom without overfilling or packing the dumpster.
30 Cubic Yard Container: This is an ideal size; it fits in front of most houses and accommodates carpet rolls, drywall debris and scrap wood without too much trouble. It's also good for disposing of concrete or rock.
40 Cubic Yard Container: This is the size for very large demolition and renovation jobs. It's 12 feet long, 8 feet wide and eight feet high and will serve most needs.
Decide on the size container that is right for your job, then plan where it will be placed for filling. Remember, you cannot move it once you've started filling it. Plan where you will be parking, whether or not you need vehicle access to and from the garage and consider how far you want to walk the rubbish before throwing it into the dumpster. Be sure the way is clear for the container to be delivered. If you will be placing the dumpster on the street, be sure to check with the city or township for codes and light requirements. The dumpster service company should be able to supply adequate lighting; a local company will most likely be familiar with the rules and regulations.
Don't forget to be sure the way is clear when it come time for the dumpster or roll-off container to be picked up. If the driver cannot get to it, he may charge extra for his time and trouble making another trip to pick it up. You may be delayed in having it hauled away and end up paying for an additional day.
This article was written by Sherman Rogers of All-waste, LLC, a dumpster rental company who provides dumpster delivery service and same-day dumpster pick-up service to residential, commercial, retail and industrial customers. Sherman has the size, shape and competitive priced dumpster for any size job. Other services include trash pick-up, hauling rubble, waste removal, delivery of landscaping supplies including mulch, sod, top-soil, crush aggregate and more.
Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936
Web site: http://thegarbageman.com/
Email: sherman@all-waste.com
All Waste services Southeast Michigan, including the following counties and cities:
Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak,
Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn
Heights, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne,
Westland, Wyandotte.
Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline,
Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti
Livingston County: Brighton City, Cohoctah Township, Deerfield Township, Green Oak Township, Handy Township, Howell City, Iosco Township, Village of Fowlerville, Brighton Township, Conway Township, Genoa Township, Hamburg Township, Hartland Township, Howell Township, Marion Township, Putnam Township, Unadilla Township, Village of Pinckney
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