A Review of Grants for College Students

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Did you manage to not only survive, but finally graduate from high school? There is no doubt that once you graduate you feel happy and satisfied with your fine accomplishment. However, you have to take a big step forward and consider college. Maybe you have applied to some universities, but have you checked for available scholarships and grants? This is what you should evaluate and take into consideration when you are applying to a university. Of course, all you want at the moment is to get that absolute freedom and time on your own, but don’t forget that someone has to pay for that. Going to college is quite expensive and most people cannot afford to pay for it all. There is hope though, in the form of grants for college students. Even if your financial situation is not very good, there are more than a few solutions… just get your laptop.

Have you though about ways to find money for your or your child’s tuition? Robbing a bank or knocking over the local mall is not a good idea. Probably you haven’t thought about that before. Then you should start thinking and find a way to pay for college. You can get financial help without the burden of payback. Just try to find the best scholarships and grants for college students. You should not give up searching for free money even if you haven’t succeeded to get a scholarship after high school. Full time student employment is always an option but you should better check all the other possibilities first.

What I did before I headed off to a university was to carefully examine all the students‘ loans and grants for college students. I got online and checked the FAFSFA.com. This site offers free applications which you can fill out in order to ask for financial aid. I found many different loans and grants available. I suppose you are aware of the fact that grants are money you should not pay back. This is such a fantastic solution to your financial difficulties.

Usually each state has some money for grants for potential college students, apart from that federal grants are also available. All you have to do is to fill out some applications and acquire financial aid. You shouldn’t neglect free money. This is the easiest way to make the university payments. Getting online is the first step to finding financial aid such as grants for college students. Search for all the free money you can get from the state or the university you are admitted to. This is the best you can do unless you want to spend all your free time having a full time job while you are in college.

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Source by Morgan Hamilton

STAGES OF GLOBALISATION

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STAGES OF GLOBALISATION

            Normally, a firm passes through different stages of development before it becomes a truly global corporation. Typically, a domestic firm starts its international business by exporting. Later it may establish joint ventures or subsidiaries abroad. From an international firm it may then develop into a multinational firm and finally into a global one.

            Ohmae identifies five different stages in the development of a firm into a global corporation. The first stage is the arm’s length service activity of essentially domestic company which moves into new markets overseas by linking up with local dealers and distributors. In stage two, the company takes over these activities on its own. In the next stage, the domestic based company begins to carry out its own manufacturing, marketing and sales in the key foreign markets. In stage four, the company moves to a full insider position in these markets, supported by a complete business system including R & D and engineering. This stage calls on the managers to replicate in a new environment the hardware, systems and operational approaches that have worked so well at home. It forces them to extend the reach of domestic headquarters, which now has to provide support functions such as personnel and finance, to all overseas activities. Although stage four, the headquarters mentality continues to dominate. Different local operations are linked, their relation to each other established by their relation to the centre.

            In the fifth stage, the company moves toward a genuinely global mode of operation. In this context Ohmae points out that a company’s ability to serve local customers in markets around the globe in ways that are truly responsive to their needs as well as to the global character of its industry depends on its ability to strike a new organisational balance. What is called for is what Akio Morita of Sony has termed global localisation, a new orientation .that simultaneously looks in both directions.

            Getting to stage five, however, means venturing onto new ground altogether. Ohmae argues that to make this organisational transition, a company must denationalise their operations and create a system of values shared by corporate managers around the globe to replace the glue a nation based orientation once provided.

            Ohmae further observes that today’s global corporations are nationalityless because consumers have become less nationalistic. True global corporations serve the interests of customers, not Governments. They do not exploit local situations and then repatriate all the profits back home, leaving each local area poorer for their having been there. They invest, they train, they pay taxes, they build up infrastructure and they provide good value to customers in all the countries where they do business. IBM Japan, for instance, has provided employment to about 20,000 Japanese and over the past decade has provided three times more tax revenue to the Japanese Government than has the Japanese company Fujitsu.“

            Many firms across the world has ambitious plans to become global.

C.Pavithira

M.Phil Scholar

Department of Commerce

Periyar University, Salem-11

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Create a Modern Home with IoT (Internet Of Things)

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Internet of things (IOT) is the next big thing of 21st century and day by day due to millions of innovations, it is becoming the most talked topic of this era. World Wide Web have developed so much that, it enables the sensors to build the network and aids them in sending and receiving data.

Each and every smart gadget is presented in a different way through its embedded computer system within existing internet infrastructure. By the end of this decade, IOT is expected to expand more and more connecting with more than 30 billion objects. For the modern home, IOT can deliver significant advantages like improved security, convenience, efficiency and financial savings. Whole IOT is based on sensors and has controls on most of the devices. When these devices are interconnected with each other, they can give you the most dreamed benefits. However, it has also opened the doors for dangers and threats. Generally, people dream for the luxurious living and lifestyle which was not possible in the ancient times, but today, the wind has taken the U-turn, for the high tech gadgets of the luxurious home. Now every homeowner can control they are in belongings just in a single touch.

For instance, Nest Thermostat is a sensor-driven thermostat which enables to analyses your home temperature from wherever you are. Additionally, it is also specialized in the smoke detectors. Additionally, beacon which is also the most heard name for many people. They have created new ways to personalize your home experience after the successful impact on various industries. Beacons have such mechanism that puts the control in the living space, home appliances, and cameras just by connecting it to the smartphones. It is the outlandish example of IOT showing, how IOT is growing very fast just by interfacing physical objects with the digital world.

“The truth is, homes changes over time – and technology has to adapt, not try to do everything at once”.

 Things you must look for the smart home controller

  • Wireless connectivity: Integrating Wi-Fi in your house, gives you more choices to place it anywhere in your house instead of unrooting it with the routers at the specified location.
  • Protocol Compatibility: This is highly necessary because it should interact with the devices that you already have in your house as home automation tools.
  • App compatibility: It is not at all surprising that apps are ruling our lives. Home automation tools must be connected to our iOS or play store application so that you can control your home with your palm.
  • Scheduling system: This is one of the important aspects, to save much of the electricity. It should be able to schedule your devices as and when necessary. If you are moving out of your house, it should automatic switch off the electricity. Such sensors are necessary.
  • Alert system: Software should give the alert messages from time to time, such as alerts for, a door is opened with the unique code.

With the home automation sensors at your place, makes your house the luxurious home as it can sense your presence through the apps and acts like whatever you wish.

Let’s discuss why IOT is perfect for the home automation

To establish the modern home

The implementations of IOT in your home is like notifying you that switch off your microwave is still ON when you are not using, TV is working though you are not sitting in front of it and much more. Such things make your home a “modern home” so called as a “Digital home”. Once this hardware is placed in your house, it interacts with the smart home applications based on the distance between you and hardware installed.

For ease

With intent of the IOT you are able to customize the features of any home-based gadgets depending on your location. You can customize the alert, notification in the way you wish to have it right from you entertainment to security purpose. For instance, you can make the use of this hardware to send you the notification, when you are out of the kitchen and milk is about to boil.

To save energy

Generally, Beacons are used as hardware which are BLE transmitters available at a cheap rates to transfer your home to digital home. It allows you to save the electricity which in turn leads to cost cutting – refraining us from using more power. It has some settings integrated which allow you to turn off the lights whenever you leave the room or sends you the reminder in case you forget. Is such things happens you can simply turn off by using the appropriate apps?

For security

With this hardware and technology, it is easy to monitor your home which enables your home to become the theft-proof. Hence it automatically locks the door when you leave the house and automatically turns on, as soon as you reach the entrance of the door. It also helps you to keep an eye on the temperature rise in your house such as smoke or any fire by sending you the alert messages.

Having such kind of innumerable benefits, small and large scale industries are looking for how to make the most of it.

Still, the industry is growing with this technology by bringing a number of appliances, elements, devices that will be accessible online in just a single clicks. All these appliances and device contains sensors that are connected to a network and acts in the way we direct to them. This is how the internet of things came into existence which plays a vital role in the home automation. Internet of things and home automation will definitely be the new groundswell of the industry in the coming years. These connected device has revolutionized our world and will begin to more simplify our life in future.

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Source by Hiren Y

What is Retirement Annuity

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Life insurance, social security and even the more classic individual retirement account (IRA) will help you through your retirement age. Counselors from these departments are better equipped with procedures on assisting clients with questions regarding the odds related to your life’s most challenging part.

In addition, the individual retirement annuity may work well with you if you intend to use your savings for yourself while living with a partner. In either case, the amount you will get from the accrued earnings and contributions you get from this type of social retirement contribution provides you, your partner and your relatives in turn for a more secure future through continued financial stability through receiving fixed payments, yet economically sufficient.

The following section discusses retirement annuity and its benefits. This tool provides a valuable alternative for retirees who are planning on a more financially stable, secured and happy future and eliminate all the possibilities that tend to arise when caught empty-handed during old age.

What is Retirement Annuity?

Retirement Annuity works more like other insurance policies and individual retirement account (IRA). As you know, an individual retirement account (IRA) works like a life insurance where your beneficiaries will be provided a considerable amount of money in the event of contributor’s death.

However, in retirement annuity, your annual contributions (annuity) are meant to give you more financial protection throughout your retirement period. It secures you more of financial loss in cases of bankruptcy and financial loss through lifestyle or business venture.

How Does it Work?

In this scenario, you can pay a sum of money as your annual contribution (distribution phase) and reap them later during the accumulation phase. Your contribution is based on your ability to subsidize payment for a specific plan you have subscribed to upon enrollment and how long you have contributed for the said plan.

Types of Retirement Annuity

There are many types of retirement annuity plans to choose from and each tailor to each client’s ability to pay and their preference of payment during distribution upon reaching retirement age. They are immediate annuity, deferred annuity, variable annuity, and fixed annuity.

The above retirement annuity types suit individuals depending on their preference, ability to pay and their need for such benefits. Whatever retirement annuity plans you have enrolled to, it a good way to hold tax charges while keeping your savings for retirement intact.

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Source by Alan Lim

The Importance of Stellar Marketing Skills

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Whether you’re a freelancer or the head of your own company, you probably already at least somewhat understand the value of having excellent marketing skills when it comes to making the most of your ventures.

The fact of the matter is you can be the very best web designer in the world, own a restaurant that makes the absolute best pizza in town, or run a law firm with a spotless service record but none of these things will help your business to grow further if you’re not equipped with adequate marketing skills. Good business and marketing skills go hand in hand, so if you find yours aren’t up to snuff, it might be time to make use of one of your many options in regards to remedying the situation.

A good place to start would be with formal education, especially if you’re someone who is looking into a career to which marketing skills would be a great asset when it comes to finding work. Official credentials or degrees in marketing show potential employers that you take what you’re doing seriously and give them every reason to think that you’ll be just as dedicated when it comes to the work you do for them. Marketing skills also put you ahead of the competition, and in this day and age where job security isn’t what it used to be, that’s essential in order to succeed.

If you’re a freelancer, or are hoping to become one in the future, marketing skills are even more important in order to achieve success. You not only need to be able to offer a level of service that is a few cuts above the rest, but you’re dead in the water before you’ve even begun if you’re not properly well-versed as to how to market yourself.

As with those who are seeking employment under others, freelancers can utilize a marketing degree to set themselves ahead of the competition both in practice and by making reference to the credentials themselves if you happen to offer services such as web design, copywriting, advertising, or anything similar. Clients feel more secure when it comes to hiring freelancers who take this practical, smart approach to the services they offer as education always inspires confidence in others.

Businesses and corporations can also benefit by investing in specialized training for their staff in regards to marketing skills. This practice can save business owners quite a bit of money in outsourcing fees and failed campaigns that deliver less than stellar results while elevating the performance, value, and confidence of the employees who receive the training as well.

When it comes to marketing skills training, there are so many options these days that it’s easy and affordable to fit further education into even tight budgets. As marketing is a highly critical skill when it comes to doing good business, many business colleges, vocational schools, and educational facilities of all types offer courses in marketing with flexible scheduling options. Remote learning options are also available for those who would prefer to learn at their own pace or who find it necessary to juggle schooling with an already hectic schedule.

Whatever your reasons for wanting to improve upon your marketing skills, and whatever your situation, you’ll soon be glad that you made this investment in your education, your career, and your future. Good business simply can’t exist without good marketing, and by taking the time to acquire marketing skills that meet current industry standards you ensure yourself a place in the fast-paced business world of the future.

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Source by James Copper

Your Ike Silver Dollar – How Much Is It Worth?

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So, you’ve stumbled across an Ike Dollar, and now you want to find out how much it’s worth. Well, you’ve come to the right place. Identifying the value of any coin is very important. By doing so, you can be assured that the coin you are selling is worth the amount paid. It can also help you when you’re buying coins, as knowing the value will assure you that you are getting your money’s worth, and are not paying for overpriced coins.

But before going into that, here are some facts about the Ike Silver Dollar.

During the years 1971-1978, the US government issued out the Eisenhower Dollar. It was the first US dollar that did not make use of a precious metal. In fact, it was composed of 100% copper, with its outer layer composed of 75% copper and 25% nickel.

But, there were also silver-copper issues released by the US government. These silver-copper issues, or what we call the Ike Silver Dollar coins, were especially minted for the purpose of selling to collectors. They were minted at San Francisco, at years 1971, 1972, 1973, 1974, and 1976. These coins were either proof (Brown Ikes) or uncirculated (Blue Ikes).

What are Ike Silver Dollar specifications?

The coin’s diameter is 38.1 mm, and weighs 24.59 grams. It’s composed of .800 silver, .200 copper bonded to .209 silver. Aggregate 60% copper and 40% silver. Its Net Weight is .3161 ounce pure silver, or 9.841 grams. It has a reeded edge.

Why it’s worth collecting

The Ike Silver Dollar will always hold a special place in the heart of any American coin collector. The Ike Dollar of 1971-1976 holds the largest portrait of a president, or any real person for that matter, to ever appear on a regular-issue American coin. It is also considered very unique, since it is the last of the great traditional size 38 mm silver dollar series.

How to tell its worth

Identifying the value of your Ike Silver Dollar is not as easy as you think it is. You have to consider factors like year of minting, exactly what variety it is, and also the condition.

Most of the Ike silver dollars are in banged up or worn condition. In this case, it could be worth just the face value or maybe a bit more basing on the silver content. But even with that, it is not much since the coin is really not made up of 90% silver.

Those Ike silver dollars that are in mint state condition will have a higher value, probably around $ 50 +, again depending on its date, exact grade, and grading company.

Those with lower grades but are uncirculated can still cost you about $ 10 or more. Those that are circulated are probably worth $ 1, unless you have the rare ones that command a premium. These rare coins include 1972 type 2, type 3, and 1976 type 1. These coins sell for a little over its face value.

So, although the Ike dollar is really not worth much, it can still be a fun coin to collect. Remember, they are the last of the big and heavy dollar coins produced in the US, so you can keep it as a treasured memento.

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Source by Mark Vidrow

Find Out the Best Litecoin Brokers

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Searching the best litecoin brokers that can help you through your trading can be a daunting task; however, with the help of the litecoin brokers reviews you know which the brokerage firms that you can trust are. Litecoin, a decentralized online currency, can be used to purchase internet services, such as website development or goods, etc. with ease.

Litecoin also provides merchants with a safe and easy way to accept money, as there are no fees when sending or receiving funds. It is like Bitcoin, another digital currency that is making a lot of news. Here users will also find that all payments are recorded via an online system, otherwise known as the blockchain.

Needless to say litecoin very much like Bitcoin enables the payment receiver to immediately verify the payment and the user, without having to research it all by hand. The best litecoin brokers can be extremely helpful for you if you are trading the digital currency and wish to make profits buying and selling in whatever amount.

As it appears crystal clear that whatever the traders or ordinary users need, litecoins can be a great way to make online purchases. For instance, the digital currency can help them protect their own finances by protecting them from inflation and other external influences that might affect the value. Thus, litecoin has emerged as a real valuable option for money.

Best Litecoin Brokers with Attractive Offers

As litecoins can be used worldwide, by anyone, these are also being used as trading assets by a lot of traders. However, as there are only a few brokerage firms that offer litecoin trading, it is important for traders that they find only the best litecoin brokers. Like using Bitcoin is easy, the traders also expect that the best litecoin brokerage firm also offers cheap brokerage charges.

The fees experienced by Litecoin users are significantly lower when compared to that of credit card companies and bank transfers; however, trading becomes expensive if done with the brokerage firm that has higher brokerage charges. Litecoin trading can become a costly affair if the brokerage charges are unaffordable.

Similarly, it is worth noting that there will only ever be 84 million litecoins, so you don’t need to worry about inflation that may affect the overall value of the currency the traders have. Needless to say many people make exchanges using litecoins, with millions of trades happening every day.

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Source by Andrew Jones

The Basics of Money

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What is Money?

The answer to the question is simple. Money is anything widely used for paying debts owed by a person to someone else and also for receiving the payments of debts owing to a person from someone else. A country produces coins and banknotes, (accepted by everyone) for the payment of bills and for the receipt of money owing.

Money is what is known as a „medium of exchange“.

In the „old days“ people traded the goods and services they owned (and probably produced) for goods and services owned by others (probably produced by them). The scenario went something like this – „you give me two sacks of your potatoes and I will trade you ten of my fish“.

This method of trading was fine for a while. As society developed, business became more cumbersome and inefficient with this method of trade. Business dealings became stilted and slow and lagged behind the new pace of commerce. There had to be a better way. Some bright spark then came up with the idea of a common „medium of exchange“ easier to carry around and better to use.

Money was born.

It wasn’t that simple, because while all sorts of things were used as a medium of exchange, these were all basically called „money“ and it wasn’t until coins and paper notes were developed that money as we know it today became the standard accepted as a medium of exchange.

Forms of Money

There are various forms of money – cheques, IOU’s, credit cards, bank drafts or gold. Gold was the standard used in the past because of its scarcity and its qualities. Gold is resistant to corrosion or damage. These unique properties, as well as the scarcity of gold means that even today, wealthy people around the world would rather keep their wealth in gold holdings than in the currencies of countries which are subject to inflation.

In fact, all sorts of things have been used as money throughout the ages. Some include: beads, eggs, salt, pigs, leather, yarn, axes, ivory and jade. Today we have another form of money, which cannot be touched, and yet it as real as the tangible coins we are able to touch. This form of money is electronic money.

The Name „Money“

The word money comes from the Roman goddess – Moneta. Apparently coins were minted in her temples and issued to the world, as the Romans knew it at the time. The Latin word „Moneta“, (meaning mint or coins) came from the old English word „mynet“ (meaning coins or money) and from this came the English word „mint“.

Origins of Money

To understand the origins of money we have to go back to a time well before money came on the scene. Money did not suddenly appear – it was introduced gradually in response to the requirements of human needs. As civilization grew and expanded beyond local societies, the need to exchange the products provided by various groups became evident. The hunter needed to exchange with the farmer, the shepherd needed to exchange with the medicine man etc.

The medium of exchange that was necessary to enable the various groups to barter and swap their products was money. It was originally a physical substance like gold or silver. Sometimes it was a substance that was alive such as cattle, which was one of the oldest forms of money.

Today, although much of the money used by individuals in their everyday life is still in the form of notes and coins, its quantity is relatively small compared to the intangible types of money existing as entries in bank records.

Today money exists in the form of digital cash and such things as coins and bank notes will soon become obsolete. When this happens, the change in the nature of money will have a significant effect on our society.

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Source by Peter Viliamu

The Ripple Effects of After-Death-Communication with Your Loved Ones

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We all have lost someone near and dear to our heart at some point in our life, whether to natural causes, illnesses, or tragedy.  No matter the cause of death, it hurts each of us so deeply and affects us in different ways.  I have spent the last twenty-three years working through and dealing with my sister’s death, and have been ever so blessed to receive her help from the other side.

As you face and move through the grieving process, have faith and trust that your loved one on the other side is okay.  Understand that our loved ones want to be remembered and to remain close to us forever.  They want to sprinkle a bit of heaven upon us, as they know and understand the challenges of everyday life here on earth.  I have had a relationship with my deceased sister for the last twenty-three years.  I can honestly say, as odd as this may sound, that I could not live (here) without her (over there).  The powerful ways in which she comforts me, inspires me, supports me, and guides me is remarkable.  Be open to the possibility of receiving miraculous blessings from those you love on the other side.  When you do, you will experience the ripple effects of your connection with your deceased loved one for the rest of your life!

Consider these ripple effects:

· From my sister’s and my heavenly connection, I have more faith.

· With more faith, I believe in myself at a deeper level.

· With profound belief, my self-confidence expands.

· With increased confidence, it’s easier to take risks and leaps of faith.

· Through taking risks and leaps of faith, I experience more, achieve more, and receive more glorious gifts and blessings.

· Achieving and receiving lifts my spirit and makes me more positive.

· Being more positive makes me desire more good, period.

· Desiring more good is a driving force to keep the faith and continue my two-way communication.

· Continuing this communication makes me feel alive, connected, and supported — the place where all peace resides.

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Source by Deborah Heneghan

How To Earn A Tax-Free Income From Forex Trading AND Claim All Your Expenses From The UK Tax Authorities

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WARNING: This article might be boring!

This article is aimed at UK Foreign Exchange traders who want to 1) know how to minimize their tax liabilities from forex trading, and/or 2) to know how to claim back from the UK tax authorities all the expenses incurred in their trading activities – legally.

Before I go on, I must stress that this is general UK tax information and must not be construed as professional tax advice. You should consult your personal accountant or tax consultant who can advise you personally having taking into account all your own particular circumstances. This information is given in good faith and is relevant under existing UK tax legislation.

As many UK traders know, UK income tax is normally payable on trading profits made from the foreign exchange market after relevant deduction of trading losses and expenses and any applicable personal allowances. Expenses allowable must be wholly and exclusively incurred as part of your trading activities and will include things like allowances for your trading screens and computers, IT maintenance, legal costs, telephone and broadband connection costs, FT, The Economist and other relevant subscriptions and periodicals, etc.

However, currently under UK tax law any trading gains made from the foreign exchange markets through UK spread-betting activities are tax-free. What is more, this income does not even have to be declared to the tax authorities, just like your winnings from betting on the horses at your local Bookmaker. The unfortunate thing about spread-betting is that forex trading losses (and it’s a fact that the vast majority of spread-betters are losers!) are not deductible from tax. The double-whammy of spread-betting is that expenses incurred as a result of spread-bet trading activities are not usually deductible either.

So how does one take advantage of these current rules?

The simple answer is to trade using both direct forex trading and spread-bet trading! The cheeky but legal solution is to ensure that all personal tax allowances and associated expenses of forex trading are covered by net profits made using direct forex market trading activities so that the net tax liability is very low, or even zero. Your accountant will probably advise that not 100% of expenses would be allowable since not all expenses have been incurred as part of direct forex trading activities, so bear this in mind. Hopefully most of your mega forex gains made with the Lindencourt FX System will be made through your spread-betting account and will therefore be completely tax-free.

So you can have your cake and eat it!

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Source by Andrew Lindencourt