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Fight against credit card rate hikes
by Gerri Willis, CNN finance editor
As expected, credit card issuers are raising fees and rates just before legislative restrictions take place next February. But you don't have to be vulnerable. Here are some alternatives to bank credit cards.
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FIND A CHEAP HOME
Cutting Grocery Costs without Cutting Nutrition
Simple, healthy, and affordable ways to weather the rising price of food
by Karen Collins, R.D., American Institute of Cancer Research
Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.
read more...
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.
read more...
CDI College of Business, Technology and Health Care
Top 10 Online Job Search Tips
by CareerBuilder.com
While the popularity of online job boards puts millions of jobs at one's fingertips, it has also made the job applicant pool that much bigger. For this reason, national job search sites and the Internet as a whole have gotten a bad rap from some industry professionals as an ineffective job seeker tool; on the contrary, the Internet actually can be a great resource for job seekers -- they just need to know how to use it.
read more...
Check out this 1.5 Inch Black Mini Digital Photo Frame with Keychain.
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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State Financial Aid for Single Parents
Arkansas
Single Parent Scholarship Fund
Single Parent Scholarships Fund of Northwest Arkansas
The purpose of our Single Parent Scholarships is to provide supplemental financial assistance to those single parents living in Arkansas who are pursuing a course of instruction that will improve their income-earning potential. In most cases, scholarships may be used for tuition, books, utility bills, car maintenance, childcare, or any other financial need that contributes to the recipients' success in school. However, the guidelines for the manner in which the scholarship may be used are at the discretion of each scholarship provider.
read more...
California
Free Grants for Junior College
The Legislature and Governor set aside money from within the community college budget to increase awareness about financial aid opportunities and to hire additional staff to provide students with free one-on-one help identifying those opportunities and applying for them. This effort is aimed at low-income high school students, currently enrolled community college students, and other low-income Californians.
Community college financial aid offices historically have been under-funded, and have not had the resources to make sure that all eligible students were aware of the opportunities available to them. The offices also have not had the staff to fully support the application process. However, the funding from this new initiative is helping the campuses reach and assist greater numbers of students.
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Florida
George Snow Scholarship Fund Scholarship for Single Parents
Educational grants to the deserving young people of Palm Beach and Northern Broward Counties, Florida, USA. The Fund offers a variety of scholarships. It is important to note that these scholarships are 4-year commitments and are designed to bridge the gap between financial aid granted by colleges, state and federal aid sources and what the recipient’s need in order to attend college.
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Maryland
Maryland Artists Equity Foundation
Scholarships for study in the visual arts for Maryland high school seniors range from $500 to $3,000 and will be credited to the student’s tuition accounts at accredited institutions.
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North Carolina
College Foundation of North Carolina (CFNC)
North Carolina and the federal government give away millions each year to help students pay for college
State Grants:
- EARN Scholarship
- NC Education Lottery Scholarship (NC ELS)
- NC Community College Grant (NC CCG)
- UNC Need-Based Grant (UNC NBG)
- NC Legislative Tuition Grant (NC LTG)
- Career Specific Scholarship/Loans (for teaching, nursing, health/science/mathematics vocational interests)
- State Contractual Scholarship Fund (to assist needy NC residents who choose to attend a private postsecondary institution in NC)
- Student Incentive Grant
State Need-Based Scholarships: You demonstrate financial need, usually by completing the FAFSA.
State Merit-Based Scholarships: You demonstrate merit based on a strong academic record, talent in a particular area such as music, art, athletics or other criteria.
Other State Scholarships: You qualify for a program that is based on criteria other than need or merit.
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Pennsylvania
Financial Aid for Veterans & National Guard Members
The Commonwealth of Pennsylvania and the Pennsylvania Higher Education Assistance Agency (PHEAA) have always considered service to any of America’s Armed Forces as service directly to the Commonwealth. Service to the country may qualify you for financial assistance in pursuing higher education through any of the programs that apply to your situation.
New Economy Technology Scholarship (NETS)
The Technology Scholarship and the SciTech Scholarship are both awarded through the New Economy Technology Scholarship (NETS) Program. These scholarships make financial aid available to undergraduates studying in approved technology or science fields.
Recipients of these scholarships must agree to work full-time in Pennsylvania following graduation, one year for each academic year that a scholarship award is received.
These scholarships are not based on your financial need.
- Technology Scholarship
- SciTech Scholarship
Partnership For Access To Higher Education (PATH)
PHEAA PATH program offer qualifying students additional financial aid via educational grants. In order to be eligible to receive a PHEAA PATH grant you must first be awarded a scholarship or grant by a participating PHEAA PATH partner.
Loan Forgiveness
Loan forgiveness encourages students to pursue degrees and employment in specific fields. These programs forgive part or all of your educational loan debt if you fulfill certain work-related requirements. You may qualify for this program if you earned an agriculture, veterinary or educational degree, and return to Pennsylvania to work in a qualifying field.
Agriculture, Veterinary and Education Loan Forgiveness Program.
For Individuals with Disabilities
Vocational and Educational Services for Individuals With Disabilities (VESID)
The Mission of the Office of Vocational and Educational Services for Individuals with Disabilities (VESID) is to promote educational equity and excellence for students with disabilities while ensuring that they receive the rights and protection to which they are entitled; assure appropriate continuity between the child and adult services systems; and provide the highest quality vocational rehabilitation and independent living services to all eligible persons as quickly as those services are required to enable them to work and live independent, self-directed lives.
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• Join the SingleMom.com forums. Share your tips, resources and experience with other single moms
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9 Cash-Saving Tips That Pay Big Bucks
complaintsboard.com
The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...
read
more...
Try out these Thanksgiving recipes from tasteofhome
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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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...
read more...
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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more...
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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more...
Finding last-minute tuition money
There's still time to find funds for this semester's college tuition. But you'll have to move quickly.
By Gerri Willis
It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college
tuition bill, here with your guide to last minute money.
read more...
Short-term Payday Loans
econ4u.org
...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when
the loan is repaid promptly. However, these loans are not suited for longer repayment periods...
Being realistic about budgeting can help avoid the need for short-term borrowing.
read more...
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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more...
How to save $10,000 in 2009
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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more...
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.
32 and Counting? Finding Your Happily Ever After Today
by Gi Gi
The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just
as you are, being single, taking care of your kids...
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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.
read more...
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.
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TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.
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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