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Stop these bad work habits now

by CNN and CareerBuilder.com

...Try going on a diet and I guarantee that a freshly baked pizza will break your willpower whether you're on the second or the forty-fifth day...
Here are bad work habits you need to break now:
Confusing casual with disrespectful, Always doing the bare minimum, Not budging from your job title, Forgetting what your job is, Ignoring the chain of command, Operating on your own clock, Badmouthing your colleagues, Flaunting your connections.

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Six Job Hunting Myths Debunked

by Robert Half International

Everyone wants to give job seekers advice, and while much of it is useful, some guidance may miss the mark. Because the employment market is constantly changing, ideas that once worked well may no longer be effective. This doesn't mean you have to second-guess everything you hear, but do be aware of common job-hunting myths, like the following:

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Madlynn is Kid of the Month

83 Percent of Recruiters Look for Digital Dirt

4 Ways to Clean Up Digital Dirt

by Selena Dehne, JIST Publishing

Job seekers, beware! That MySpace photo of you doing a keg stand may get a few chuckles from friends, but it's no laughing matter in the job market.
Employers are increasingly scouring the Internet for "digital dirt" to help them weed through job candidates. In fact, 83.2 percent of recruiters acknowledged to using online search engines in 2007 to uncover information about candidates, according to ExecuNet, an online referral network for executives and recruiters. Of these recruiters, 43 percent acknowledged eliminating candidates based on the negative information they found.

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Industries That Will GAIN The Most Jobs In Next Decade
Huffington Post

We've seen the deterioration of certain industries and massive disruption in employment. But, in the next decade there will certainly be a corresponding expansion in some unexpected areas. Earlier this month, the Bureau of Labor Statistics forecast the industries in which it expects the most job growth over the next decade.

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Four Ways to Get Hired Faster

by Mark Krajnik, CEO, Next Level Solutions

The difference between being proactive and reactive is time. Reactive people wait for things to happen to them, while proactive people go out and make things happen. Timing is key in any career move, so it is up to you to make things happen.

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How to Identify Your Transferable Skills

by Rachel Zupek, CareerBuilder.com writer

This "finding a career" thing is tricky business.

You go to college and major in one thing -- but find yourself in a job opposite from what you spent four years studying. Or, you land a job that's exactly in line with your college major -- but discover it's not what you had in mind.

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Job markets news
 

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Single Moms - find here resources on financial aid, scholarships, help with basic needs, food, prescription drugs, health care, housing, legal info, and much more...


Financial Aid and Scholarships for Single Moms


Find information on government grants: Teacher Education Assistance, Pell Grant, Supplemental Educational Opportunity Grant, Academic Competitiveness Grant, National SMART Grant, Institutional Grants, Campus Based Aid (FSEOG, FWS, Perkins Loans); Stafford Loans (FEFL, Direct Loan), Plus Loans.
Find information on private foundation funded scholarships, as well as information on income based repayment plan, cancellation/deferment for teachers, and more...


Federal Student Aid Programs


Grants

Grants, unlike loans, do not have to be repaid. Click the links below to learn more about grant programs available for eligible students pursuing a postsecondary education.

Teacher Education Assistance for College and Higher Education Grant (TEACH Grant)

Through the College Cost Reduction and Access Act of 2007, Congress created the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program that provides grants of up to $4,000 per year to students who intend to teach in a public or private elementary or secondary school that serves students from low-income families. If, after reading all of the information on this fact sheet, you are interested in learning more about the TEACH Grant Program, you should contact the financial aid office at the college where you will be enrolled.

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Federal Pell Grant

A Federal Pell Grant, unlike a loan, does not have to be repaid. Pell Grants are awarded usually only to undergraduate students who have not earned a bachelor's or a professional degree. (In some cases, however, a student enrolled in a post-baccalaureate teacher certification program might receive a Pell Grant.)

Pell Grants are considered a foundation of federal financial aid, to which aid from other federal and nonfederal sources might be added. How much can I get? The maximum Pell Grant award for the 2008-09 award year (July 1, 2008 to June 30, 2009) is $4,731. The maximum can change each award year and depends on program funding. The amount you get, though, will depend not only on your financial need, but also on your costs to attend school, your status as a full-time or part-time student, and your plans to attend school for a full academic year or less.

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Federal Supplemental Educational Opportunity Grant (FSEOG)

The Federal Supplemental Educational Opportunity Grant (FSEOG) program is for undergraduates with exceptional financial need. Pell Grant recipients with the lowest expected family contributions (EFCs) will be considered first for a FSEOG. Just like Pell Grants, the FSEOG does not have to be repaid.

How much can I get? You can receive between $100 and $4,000 a year, depending on when you apply, your financial need, the funding at the school you're attending, and the policies of the financial aid office at your school.

If I am eligible, how will I get the FSEOG money? If you're eligible, your school will credit your account, pay you directly (usually by check), or combine these methods. Your school must pay you at least once per term (semester, trimester, or quarter). Schools that do not use semesters, trimesters, or quarters must disburse funds at least twice per academic year.

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Academic Competitiveness Grant

The Academic Competitiveness Grant was made available for the first time for the 2006-2007 school year for first year college students who graduated from high school after January 1, 2006, and for second year college students who graduated from high school after January 1, 2005. The Academic Competitiveness Grant award is in addition to the student's Pell Grant award.

How Much Can A Student Receive? An Academic Competitiveness Grant will provide up to $750 for the first year of undergraduate study and up to $1,300 for the second year of undergraduate study to full-time students who are eligible for a Federal Pell Grant and who had successfully completed a rigorous high school program, as determined by the state or local education agency and recognized by the Secretary of Education. Second year students must maintain a cumulative grade point average (GPA) of at least 3.0.

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The National Science & Mathematics Access to Retain Talent Grant (National SMART Grant)

The National Science and Mathematics Access to Retain Talent Grant, also known as the National Smart Grant is available during the third and fourth years of undergraduate study to full-time students who are eligible for the Federal Pell Grant and who are majoring in physical, life, or computer sciences, mathematics, technology, or engineering or in a foreign language determined critical to national security. The student must also be enrolled in the courses necessary to complete the degree program and to fulfill the requirements of the intended eligible major in addition to maintaining a cumulative grade point average (GPA) of at least 3.0 in coursework required for the major. The National SMART Grant award is in addition to the student's Pell Grant award.

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Institutional Grants

There are other grants in addition to ours. Colleges provide institutional grants to help make up the difference between college costs and what a family can be expected to contribute through income, savings, loans, and student earnings.

Other institutional grants, known as merit awards or merit scholarships, are awarded on the basis of academic achievement. Some merit awards are offered only to students whose families demonstrate financial need; others are awarded without regard to a family's finances. Some grants come with special privileges or obligations. You'll want to find out about the types of grants awarded by each college you are considering.

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Federal Aid First

Thinking about attending college? Will you need a loan? If so, think Federal Aid First! Federal loans usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. ...explains the differences between federal and private education loans, the various kinds of federal loans offered and the dollar amounts available. Included are details on the Free Application for Federal Student Aid (FAFSA)—your starting point for obtaining financial assistance for college.

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Preparing for Your Education

Education beyond high school can give you choices that may not otherwise be possible, open doors to better paying positions, and give you the opportunity to do the things you enjoy most. By advancing your education, you can expand your possibilities and increase your career choices.

Find out what you need to do to prepare for education beyond high school.

The FAFSA4caster www.fafsa4caster.ed.gov/index.htm provides students with an early estimate of their eligibility for federal student financial assistance.

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Campus-Based Aid

The Federal Supplemental Educational Opportunity Grant (FSEOG), Federal Work-Study (FWS), and Federal Perkins Loan programs are called campus-based programs because they're administered directly by the financial aid office at each participating school. Not all schools participate in all three programs. Check with your school's financial aid office to find out which programs they participate in.

How much aid you receive from each of these programs depends on your financial need, on the amount of other aid you receive, and on the availability of funds at your college or career school. Unlike the Federal Pell Grant Program, which provides funds to every eligible student, the campus-based programs provide a certain amount of funds for each participating school to administer each year.

Each school sets its own deadlines for campus-based funds, and those deadlines are usually earlier than the Department of Education's deadline for filing a FAFSA.

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Stafford Loans (FFELs and Direct Loans)

U.S. Department of Education administers the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan (Direct Loan) Program. Both the FFEL and Direct Loan programs consist of what are generally known as Stafford Loans (for students) and PLUS Loans (for parents).

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PLUS Loans (Parent Loans)

Parents can borrow a PLUS Loan to help pay your education expenses if you are a dependent undergraduate student enrolled at least half time in an eligible program at an eligible school. PLUS Loans are available through the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan (Direct Loan) Program. Your parents can get either loan, but not both, for you during the same enrollment period. They also must have an acceptable credit history.

How do my parents get a loan?
For a Direct PLUS Loan, your parents must complete a Direct PLUS Loan application and promissory note, contained in a single form that you get from your school’s financial aid office.

read more...

FAFSA - Free Application for Federal Student Aid

1. Before Beginning an FAFSA: gather required documents and other information ahead of time.
2. Fill out the application: steps that ask about you, your financial information, your school plans, and more.
3. View your results online: check the status of your application, make corrections to a processed FAFSA.

  FAFSA Filing

You may choose any of these three methods to file a Free Application for Federal Student Aid (FAFSA):
Apply online at www.fafsa.ed.gov (recommended) or
Complete a PDF FAFSA (Note: PDF FAFSAs must be mailed for processing) or
Request a paper FAFSA by calling the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243)) or 1-319-337-5665.

read more...

Income Based Repayment Plan

Income Based Repayment (IBR) is a new repayment plan for the major types of federal loans made to students. Under IBR, your required monthly payment is capped at an amount that is intended to be affordable based on your income and family size.

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The Directory of Financial Aid for Women

by Gail A. Schlachter

ISBN 1588411672, 560 pages

If you are looking for financial aid for women, or know women who are, then this is the directory for you. Here, in one place, are detailed descriptions of more than 1,500 funding programs--representing billions of dollars in financial aid set aside specifically for women.

read more...

Cancellation/Deferment Options for Teachers

If you're a teacher serving in a low-income or subject-matter shortage area, it might be possible for you to cancel or defer your student loans.

Canceling a Perkins Loan
If you have a loan from the Federal Perkins Loan Program, you might be eligible for loan cancellation for full-time teaching at a low-income school or teaching in certain subject areas. Find out more here. You can also qualify for deferment for these qualifying teaching services. Check with the school that made your Perkins Loan for more information.

Cancellation for Stafford Loans
If you received a Stafford Loan on or after October 1, 1998, and you teach full time for five consecutive years in a low-income school, you might be eligible to have a portion of the loan cancelled. This applies to FFEL Stafford Loans, Direct Subsidized and Unsubsidized Loans, and in some cases, Consolidation Loans.

•; Stafford Loan Deferment/Forbearance Provisions
If you have a FFEL or Direct Stafford Loan and you're teaching full time in a teacher shortage area, you might be eligible for deferment (postponement of repayment) if you borrowed before July 1, 1993.

If you borrowed on or after July 1, 1993, you might be eligible for forbearance (a temporary postponement or reduction).

Douglas Scholarship Reduced Service
If you have a Paul Douglas Teacher Scholarship, you might be eligible for reduced service obligations. (Note: These scholarships were last awarded in 1995-96.) Recipients of the Paul Douglas Teacher Scholarship may reduce the years of service they must perform by teaching in a shortage area.

read more...

Financial Aid for the California Community Colleges Network

Everything you want to know about financial aid is available in the financial aid office at your local California Community College campus.

read more...

Loan Forgiveness

Under certain circumstances, the federal government will cancel all or part of an educational loan.

To qualify, you must:
perform volunteer work: AmeriCorps, Peace Corps, Volunteers in Service to America (VISTA)
perform military service: National Guard
teach: Perkins Loan, Mississippi sprecial program
practice medicine in certain types of communities: Equal Justice Works, National Health Service Corps, etc.
Check eligibility

read more...


Additional Information


 

Note

The listing of or omission of an institution, organization or corporation on this Web site does not refer to programmatic capability nor does it confer any official status, approval, or endorsement of the institution, organization or corporation itself. This listing does not purport to be a listing of all organizations & corporations that are providing relief in the affected area. Additionally, there may be organizations providing relief in the affected area that are not accepting donations at this time. It is not the purpose of this Web site to make, or enable to be made, any representation to the public concerning the organizations listed. This listing is for informational purposes only. Any contributions or submissions you choose to make from links on this Web site are at your sole discretion.

 

Join the SingleMom.com forums. Share your tips, resources and experience with other single moms

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Utility Prices are Significant Expenses

by Randi Lynn Millward

I don't know about you, but my electric bill is sky-high. I've been running around the house unplugging everything in sight so as not to incur charges from my appliances using "phantom energy".

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Because you are somebody special!

by Annette Bridges

Since my trip to Italy, my husband and I have enjoyed a delicious breakfast routine that often includes French toast, fresh fruit and a yummy cup of cappuccino.

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Our Friendships

by Laurie Cesario-Overton

We all have those days when we get overwhelmed and it seems like every time we turn around there is another problem.

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3 Money Rules for Stay-at-Home Moms

As we all know, life is unpredictable. We lose jobs, get divorced and even become widowed...
Here are three steps stay-at-home parents should take to better manage their own and the family’s finances.

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You May Have Too Much Debt But You Also Have Options

How Life Works

If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.

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Could fat babies mean fat toddlers?

A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of obesity by age 3 than smaller babies.

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Offer to barter

Dr. Marie - Advice for Pet Owners

A vetʼs office is a business that requires a lot of services. In many cases your vet may be willing to barter in exchange for veterinary services.

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How to Find the Best Car Loans for Single Moms

Financial Advice for Single Moms

The best car loans for single mothers might be just around the corner at your local car lot.

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Crystal Bowersox - A Single Mom And A Real American Idol

Read how the amazing Crystal Bowersox. the runner-up of American Idol Season 9, handles fame and life as a single mom, raising her 17 month old son.

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5 Ways for Single Moms to Save Money

Single moms are always looking for ways to save money, and for good reason... It’s important to find ways to cut corners on the little things that perhaps you don’t think about too often, because those are usually where your biggest money drains are.

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Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis

OPRAH.com

Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...

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Your Just-in-Case Emergency Plan

by RealSimple

Who do you call if you can't make it home in time to meet the kids' bus? Who do you trust to take in your mail when you're on vacation? Who do you trust with the extra set of keys to your house?

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How to save $10,000

By Liz Pulliam Weston

If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that $10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as: Housing, Transportation, Food.

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The Super, Sexy, Single Mom on a Budget

by Renee Rayles

A quick reference guide designed for the busy, single mom who has

little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and then.

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Single Mothers &
Male Role-Models / Mentors

Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another equally-invested adult.

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Mom's Obesity Raises Newborn's Heart Risk

from the National Institute of Health

The more obese a woman is when she becomes pregnant, the greater the likelihood that her newborn baby will have a congenital heart defect, a new study suggests. The finding raises concerns because 1 in 5 women are obese at the start of pregnancy in the United States.

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The 10-Ingredient Shopping Trip

By Tara Parker-Pope and Mark Bittman

... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.

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Your 5-minute guide to protecting your identity

20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.

read more...

Single Moms in the News

6 Best Celebrity Single Moms
Read about Halle Berry, Sandra Bullock, Michelle Williams, Reese Witherspoon, Kimora Lee Simmons, Mary-Louise Parker... read more

Diary of a Wimpy Kid: The Last Straw

by Jeff Kinney

For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...

read more...

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34 Ways to Reduce College Costs


Cooperative education programs allow students to alternate between working full time and studying full time. This type of employment program is not based upon financial need, and students can earn as much as $7,000 per year.
Some colleges give credit for life experiences, thereby reducing the number of credits needed for graduation. Students should check with the college for further information.

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Answer Key Interview Questions Like a Pro

by Robin Ryan, Author of "60 Seconds and You're Hired"

"We would like you to come in for an interview" are the wonderful words every job hunter longs to hear. All that stands in the way of your new job is acing the interview and handling the questions like a pro. Long, babbling answers or monosyllabic replies aren't effective.

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8 Ways to Survive - and Thrive - in a New Job

by Robert Half International

... The initial months on a job can be exciting, but they also are critical to shaping your manager's and co-workers' opinions about your potential in the new role, as well as laying the groundwork for success within the organization...

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Factors to Consider Before Accepting a Job Offer

by Robert Half International

Searching for a job is hard work. Scanning help-wanted listings, researching companies, sending out customized cover letters and résumés and attending interviews can be tiring and time-consuming. If you're like most job seekers, you're excited -- or at least relieved -- when your efforts result in an employment offer.

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Happy Hour: Friend or Foe?

by Patrick Erwin

The term "happy hour" may have been created by the U.S. Navy to describe a designated period of time for entertainment and refreshment. Of course, happy hour has long since become a universal catchphrase. People around the world know it as a time to unwind and imbibe after a long day of work.

But for some workers, their concept of "unwinding" can land them in hot water. Cynthia,* the CEO for a gourmet gift business, recalls one employee who was full of surprises.

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