Parents Should Plan for College Financial Aid Early (Now Would Be Perfect)

first_img Your email address will not be published. Required fields are marked * Education Parents Should Plan for College Financial Aid Early (Now Would Be Perfect) In fact, college aid planning simply cannot be done too early in a high school student’s career, says Trevor Ramos of College Funding Remedies From STAFF REPORTS Published on Tuesday, January 29, 2013 | 1:33 pm Business News 0 commentsShareShareTweetSharePin it Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Name (required)  Mail (required) (not be published)  Website  Subscribe College financial aid consultant Trevor Ramos advises parents and students who want to receive a college education, to plan for financial aid early to determine if they are eligible for assistance and how much aid money they are going to receive.“Even if you’re not sending your students to college this year or next year, it is very important for parents to understand the idea of financial aid forms and how the system works,” Ramos explains. “Basically, these financial aid forms are calculators that determine what your out-of-pocket expenses are going to be in going to college, which also means how much money the college is going to give you.”Ramos says it is crucial for parents to know the bottom-line cost of sending their kids to college as early in the process as possible because it’s very difficult to save for college if we do not yet understand how much college will cost our family. In turn, Ramos can calculate how much money the parents can expect from the specific colleges where they want to enroll their children.Another important point: Financial aid is allocated virtually on a first-come first-served basis so turning in these financial aid forms as early as possible makes a huge impact on how much money the schools can offer them and their child.“It also lets them know just how committed you are to their school,” Ramos says.The deadlines for most financial aid forms this year start cropping up February 1, with the bulk due no later than March 1.The “game in financial aid,” as Ramos calls it, is all in the planning and the better you plan, the better the results will be.In fact, Ramos says parents simply cannot plan too early. He advises parents of all high school students to get serious now about college aid planning — even if their child is only a freshman.We need to understand what our game plan is going to be. And determine the best school for both the parent and child. We all need to agree that this is the right school financially, academically and culturally? The day to commit to a school is May 1st. So everything is really coming to that date when we have all the offers that we’re looking at, from all the colleges. On May 1, that is the big day!” Ramos says.To better understand how the system works, Ramos advises parents to request his “How-To Guide” that he offers for free on his College Funding Remedies web site at guide book explains what parents can expect throughout this process, whether they have children in the 8th grade or high school seniors, or even children already in college and who need to turn in new financial aid forms for the next academic year.Besides the guide book, Ramos offers parents one-one-one audits. He conducts sit-in personal consultations to college aspirants or their parents to make sure that the financial aid forms are turned in properly.Called Financial Aid Form Audit Sessions, the results are customized to the specific needs of a family, Ramos says. These sessions allow each family to have a better understanding of the dates, timelines and strategies they need to know in order to send their children to college and get the money they need to attend.Even if your child has been accepted to college but did not get the money needed, Ramos says there are still alternatives.“This is called an appeal process,” he says, and he knows its intricacies well.Ramos says there have been many, many instances he has encountered where a college awarded financial aid to a student but the money was not enough to cover the entire education. The appeal process has enabled Ramos to convert a $5,000 financial aid award into a $37,000 financial aid awards on more than one occasion, he says.Ramos’ “bottom line”? Educate yourself about how to pay for a great college education!For more information, visit College Funding Remedies website at or call (866) 568-8647. More Cool Stuff HerbeautyTiger Woods Is ‘Different Man’ 10 Years After ScandalHerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeauty Community Newscenter_img Community News Make a comment First Heatwave Expected Next Week Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Top of the News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,PCC – EducationVirtual Schools PasadenaDarrell Done EducationHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

TRID bill clears House

first_imgThe Homebuyers Assistance Act, a bill that would provide a safe harbor from both agency enforcement and private lawsuits for lenders acting in good faith to comply with new TILA-RESPA disclosure requirements, passed the House of Representatives Wednesday by a vote of 303 to 121. That count included 239 Republicans and 64 Democrats in favor of the bill; 121 Democrats and no Republicans voted against it.The bill was introduced by Rep. Brad Sherman (D-Calif.) and Rep. French Hill (R-Ark.).Sherman was the only Democrat to speak on the floor in favor of the bill. Minority Leader Nancy Pelosi and Financial Services Ranking Member Maxine Waters both spoke on the House floor against the bill.  The Obama Administration also denounced the bill and threatened a veto should it also pass the Senate. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

CRICKET: Kohli turns off social media ahead of Pakistan clash

first_img“The more relaxed you stay in these situations it’s a good thing, because it helps you take better decisions when you are composed and calm mentally.” Share on: WhatsApp London, United Kingdom | AFP |  India skipper Virat Kohli admitted Saturday that he is steering clear of social media ahead of Sunday’s high-profile Champions Trophy final against bitter rivals Pakistan.Kohli, one of the superstars of world cricket, commands almost 16 million followers on Twitter and 14 million on Instagram.However, he is aware of the potential pitfalls of social media when India tackle Pakistan in cricket.“The biggest thing is to stay off social media,” Kohli said at the Oval on the eve of the big game.“If you’re too distracted listening to too many suggestions or players or criticism, then you can’t focus on what you need to think as a sportsman first to be able to lead the team and then help the others in the team as well.last_img read more

Youth Chorus Covers Broadway Musicals

first_imgSince its founding in 1995, OYC has been under the direction of Cynthia Dinsmore, a well-known music educator. Annually about 130 girls and boys (with unchanged voices) participate. Singers are from public and private schools, as well as home-schooled. In addition to local performances, OYC choirs have performed in England, Hawaii, San Francisco and New York City. Over 900 singers have participated in the program over the last 17 years. Tickets are $12 for adults and $10 for students/seniors. Tickets may be purchased in advance by emailing [email protected] or by calling 360.790.6226. Tickets are also available at the door one hour prior to the concert. Another Op’nin, Another Show is made possible through generous community gifts, including those of the Chehalis Tribe/Lucky Eagle Casino, the concert’s presenting sponsor. Other sponsors include: Sunset Air, Inc., Andrew Kapust, DDS, Olympia Federal Savings, GHB Insurance, American Pump, Puget Sound Energy, Kim & Cynthia Dinsmore, Chuck & Mary Papiez, Greene Realty Group, Coldwell Banker Evergreen Olympic Realty, Inc., Berschauer Phillips, Small to Tall Pediatric Dentistry, Merrill Lynch, Clarus Eye Centre, Town and Country Roofing. Four youth choirs will delight attendees at the Another Op’nin, Another Show concert on Sunday, May 20. Singers will showcase familiar Broadway musicals from Kiss Me Kate to Spiderman, Westside Story to Spring Awakening. Facebook3Tweet0Pin0center_img Presented by Olympia Youth Chorus (OYC), this show of familiar hits will feature singers from 5-18 years old. It will be held at Olympia High School’s Performing Arts Center starting at 4 p.m. OYC is a well-established, nonprofit choral education program serving young singers in the greater South Sound community, including Olympia, Lacey, Tumwater, Yelm, Rochester, Shelton and Hoquiam. For further information about the concert, or the Olympia Youth Chorus program and auditions, visit read more

Antoine Griezmann jokingly blames his wife for France penalty miss!

first_imgAdvertisement ccaNBA Finals | Brooklyn Vs5w22Wingsuit rodeo📽Sindre Ezv0( IG: @_aubreyfisher @imraino ) 4yyWould you ever consider trying this?😱58n3whCan your students do this? 🌚ahenRoller skating! Powered by Firework Antoine Griezmann missed a penalty in France’s 4-1 win over Albania and the Barcelona star had a brilliant cover-up.Advertisement Asked about his penalty miss, the Barcelona attacker said: “I don’t know [what happened]. I don’t know.Advertisement “As I said earlier, maybe it’s because my wife didn’t watch the game!“I was on a good dynamic but we can’t score every time. Too bad, I’ll have to work on it.”Advertisement While the attacker was not impressed by his spot-kick attempt, he was delighted with the way his side put on a convincing display to remain joint-top of Group H.“We were missing important players, whether on the field or in the locker room,” he said. “The players who played in their place did it very well.“We are on the right track and it shows that we are a group. We had a good game game. We can only regret the goal we conceded at the end.”Quite cheeky for the Frenchman to put all the blame on his wife! Advertisementlast_img read more

Man to face trial in fatal stabbing

first_imgLANCASTER – A 20-year-old homeless man accused of fatally stabbing another man after a 5-year-old boy’s birthday party has been ordered to stand trial on a charge of second-degree murder. Eric Hernandez is charged in the April 16 slaying of 25-year-old Salvador Santos, who was killed after he asked a group of suspected gang members to stop smoking marijuana at the Palmdale party. Hernandez was bound over for trial following a preliminary hearing Tuesday on one count of murder and an allegation that a knife was used, prosecutors said. He remained in custody in lieu of $980,000 bail. Investigators said Hernandez was one of several men believed to be gang members and associates who were invited to the party by someone in the birthday boy’s family. AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBlues bury Kings early with four first-period goals Officials said several suspected gang members were smoking marijuana in the front yard of the Fifth Street East home when Santos asked them not to use drugs at the house – particularly during the boy’s birthday party. It is unknown if Hernandez was one of the men smoking marijuana at the time. Several hours after the initial confrontation, Santos confronted the group again, and the argument escalated into a fight. Others at the party tried to restrain the men when they began exchanging blows. While Santos was being held back, a man investigators believe to be Hernandez approached him and stabbed him nearly a dozen times, detectives said. The assailant got in a car and drove away. Santos was rushed to Antelope Valley Hospital, where he was pronounced dead soon after arrival. Hernandez was arrested several weeks later after he was seen driving away from his mother’s house on Third Street East in Lancaster, deputies said. Karen Maeshiro, (661) 267-5744 [email protected] 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

Raiders camp return just another scene in Antonio Brown’s contrived melodrama

first_imgNAPA — Antonio Brown’s representatives wanted everyone to know that their client, amid not one, but two bizarre sagas that are keeping him off the field, would be back at Raiders training camp Tuesday.And sure enough, as practice wound down Brown walked out onto the sidelines of the practice field.Flanked by cameras, of course.The wide receiver also had his agent, Drew Rosenhaus, in tow, because he too has never seen a camera he doesn’t like. And while Brown didn’t seem all that chatty …last_img read more

Dental Marathon to take on Mount Kilimanjaro for free oral healthcare

first_imgThe Dental Marathon team will set off in June to climb Mount Kilimanjaro, the highest mountain in Africa. The goal is to help get free oral healthcare and education to African children.Play Your Part ambassador Thobile Mushwana wants to change the narrative that there are more smart phones than toothbrushes in Africa. He is the founder of the Dental Marathon. (Images: Dental Marathon, Facebook)Melissa JavanPlay Your Part ambassador Thobile Mushwana says he has always had the desire to make a long-term impact on society that will leave a lasting legacy. The founder of the Dental Marathon makes sure that all schoolchildren in the Free State learn about oral health.The Dental Marathon team gives lessons in oral health to schoolchildren; each child in the more than 800 schools also gets a free dental pack that includes a toothbrush and toothpaste.Play Your Part ambassadors promote active citizenship to help overcome South Africa’s challenges.“There are painful stories. It baffles me when I hear that an eight- or nine-year-old has never brushed their teeth,” says Mushwana, who comes from Limpopo. He’s been living in Bloemfontein for eight years. “There is a lot to be done, not just in South Africa but throughout Africa.”To make sure more children get free oral healthcare and education, the Dental Marathon plans to summit Mount Kilimanjaro in June 2017.More than 180,000 schoolchildren benefit from the Dental Marathon initiative in Bloemfontein.Mushwana is the founder and chief executive officer of the Dental Marathon. He says he wants to change the narrative that there are more smart phones than toothbrushes in Africa.This is why the Dental Marathon is establishing a global footprint. To build awareness, Mushwana recorded videos of people all over the world saying they supported the Dental Marathon. He started this #50Different campaign during a visit in Europe.In the videos, people first introduce themselves in their native language; each ends their video saying they support the Dental Marathon. In his video, Mushwana spoke in his native language, Xitsonga. He said: “Avuxeni, vito ra mina hi mina Thobile Mushwana. Ni huma Africa-dzonga ni seketela Dental Marathon.” (In English this means “hi, I’m Thobile Mushwana from South Africa and I support the Dental Marathon.”)The videos are uploaded onto the group’s Facebook page.Watch #50Different campaign videos:How the Dental Marathon worksOnce a week the Dental Marathon team visits a school in Bloemfontein, explains Mushwana. “During the week we do an analysis of the needs of the school we are going to on that particular Friday.”The programme runs throughout the year. On the school visits, the team teaches the children what healthy foods you should eat, how to keep your teeth clean and how to floss.Thereafter, the children leave their toothbrushes at school. In the morning before class starts, the teachers make sure they brush their teeth.Climbing Mount KilimanjaroMushwana says the team will leave Johannesburg for Tanzania on 3 June 2017. He and others will climb Mount Kilimanjaro, Africa’s highest mountain, to raise funds.Kili, as it is affectionately known, rises about 4,900 metres from its base to 5,895 metres above sea level.The group aims to raise R10-million to build a Dental Marathon House in Bloemfontein.“Before we leave for Tanzania, we will have a press conference to show what the Dental Marathon House will look like,” says Mushwana.The Dental Marathon HouseAt the Dental Marathon House, children will get free oral healthcare and education, such as free check-ups, explains Mushwana.“We are going to open a head office in Johannesburg. The Dental Marathon House will be established in Bloemfontein.”In addition, the group plans to set up two mobile clinics that will travel throughout South Africa. “We will set up the first mobile clinic with a truck, which will have two dental chairs at the back.”One such mobile clinic will cost R2.2-million.Setting up a global footprintFollowing the Dental Marathon House in Bloemfontein, the organisation wants to establish a Dental Marathon House in Limpopo and the Eastern Cape. Once these are complete, the Dental Marathon team has their eye on building houses across the continent.Anyone can partner with the organisation. “We’re not looking for hand outs. We’re looking for a hand to partner with,” says Mushwana. “This brand will continue to grow.”Mushwana says Africa needs more problem solvers. “Most challenges are going to be solved by young people… Within each of us we have the solutions.”The Dental Marathon team consists of an executive board and volunteers. “The young people who serve as volunteers learn things such as how to serve and also to build relationships.”Would you like to use this article in your publication or on your website? See Using Brand South Africa materiallast_img read more

Farm Bureau sending 10 young farmers to 2019 Fusion Conference

first_imgShare Facebook Twitter Google + LinkedIn Pinterest  Leave a CommentApply by Nov. 5, 2018Ohio Farm Bureau would like to select 10 Young Agricultural Professionals members to attend the American Farm Bureau’s Fusion Conference to enhance their knowledge of and experience with Farm Bureau.The conference brings together more than 1,200 Farm Bureau volunteer leaders from across the country from Promotions & Education, Women’s Leadership and Young Farmers & Ranchers programs. These members represent the next generation of Farm Bureau leaders. Members will come to Milwaukee to hear from motivational speakers, network with members and industry leaders, gain new information and skills through breakout sessions, and tour local ag and tourism locations.Farm Bureau members interested in one of the 10 spots should apply by Nov. 5, 2018. Couples and individuals are welcome to apply (couples should complete separate applications.) Ohio Farm Bureau staff will review applications and select the 10 participants. However, even if you are not selected, any OFBF YAP member is welcome to attend the AFBF YF&R Conference at his or her own expense.Conference details:Date: March 15-18, 2019Location: Milwaukee, Wisc.Application deadline to Ohio Farm Bureau: Nov 5. All applicants will be notified if they were selected by Dec 7. Selected applicants must confirm by Dec. 14 if they are attending the YF&R Conference. Note: YAP members selected to attend previous years YF&R Conferences are not eligible to apply this year.Selected YAP attendees receive:Registration Fee – $250Flight expenseOvernight accommodations for up to four nights (Arriving on Friday, March 15 and departing Tuesday, March 19)One group meal outside of conference mealsAttendee would cover:Meals not covered at the conferenceBaggage feesCab faresContact Melinda Witten, Director of Young Ag Professionals at 614-519-8761 for more information.Online extraRead about Clint Lease’s experience at the 2018 conference. Photo caption: Ohio’s Young Ag Professionals who attended the 2018 conference in Reno.  Leave a Commentlast_img read more

The Pretty Good House: A Better Building Standard?

first_imgHalfway to Passivhaus?So is PGH just the average of minimum code requirements and today’s most stringent metrics — a new standard that is halfway between the extremes?Richard Renner said no: “This is the 75th or 80th percentile, not the 50th percentile.” He explained that even though they can afford it, many people are just not going to build to the Passivhaus standard. (As an example, he noted that he designed one Passivhaus that was “so passive, it never got built” — a comment that garnered laughs, applause and more than a few sympathetic nods.)Margo Billings, an energy rater on the panel, elaborates: “Passivhaus is very intimidating to someone who doesn’t know what it is. … The best thing about PGH is that it’s a powerful educational tool.”Paul Eldrenkamp, an audience member and builder (and chair of Building Energy 13, NESEA’s annual conference in Boston), agreed. When he first heard the term PGH, he said, “I thought it was brilliant. Even not knowing what it was. … It’s about changing what the people in the field do — an effort to show people in the field what they should think of as good construction techniques. … Most people in the field want to do good work, they want to be good at their job; if you show them, ‘This is a good wall detail, anything less than this is a bad wall detail,’ their natural pride and craftsmanship will take over.”Chris Corson, a Passivhaus designer/builder and meeting attendee, said, “It’s important to bridge the gap, but ultimately we have to ask ourselves, why are we trying to save energy? Is it to save money? To build healthy structures? Is it because we want to indulge in architectural conceit? Or is it because we’re trying to combat anthropomorphic climate change? If that’s one of the drivers, then we have to reduce the energy consumption of the built environment by a substantial amount and we have to do it now. … Passivhaus is a non-prescriptive, metrics-based vehicle to do that.”Jesse countered, “As someone who does that [Passivhaus’ PHPP energy modeling], it’s an analytical tool — you have to analyze every building. That’s why [Building Science Corporation’s] 10-20-40-60 house was pretty damn brilliant: they defined a standard, so there was a place holder.”Someone (my voice recorder and memory failed to recall who) said, “There’s moving the top, and raising the bottom. But how does [a PGH] perform? Most people want to live in a good building, but how do they know what constitutes a good house? [PGH] is a means of communication, communicating to builders and clients what they really want, deep down, which is a house that performs well for them.” (Quick back-story: several months ago, Dan Kolbert proposed a topic for the monthly discussion group at Maine Green Building Supply: “The Pretty Good House.” He insists that he doesn’t really know what it is, other than a title that seems to appeal to a lot of people (and that it annoys “humorless idiots.”) A vague concept?In his introduction at the NESEA meeting, Dan started out by stating that maybe the sole virtue of the PGH is that it’s a vague concept. The truth is that there seems to be a fair amount of agreement that it’s a house that is built better than code but that does not necessarily meet the requirements of Passivhaus, net zero, LEED, or other particularly stringent building standard.Of course, any house that does meet those standards could easily be considered “pretty (darn) good.”Richard Renner, one of three architects on the panel, said that “the highest level [of design and building] is only attainable to the few. … PGH should be a body of knowledge of what is darn good (if not perfect) — useful in developing new designs, and also good for getting clients to understand what we’re trying to do.”Chris Briley, Panel Architect #2, called the PGH “the standard that’s not a standard. … How do you affect the status quo? The ‘pretty’ in PGH is pretty high. … Maybe [PGH] is really about tricking people into building a better house.”Jesse Thompson, Panel Architect #3, noted, “PGH is aggressively nebulous. … It’s about the fifty percenters, the people only comfortable halfway between the extremes. … Right now, one extreme is Passivhaus, but before Passivhaus got fame, we called it the Building Science Corporation’s 10-20-40-60 house — that was the too-hard thing to build.” Thompson was referring to a guideline published by the Building Science Corporation that calls for cold-climate homes to have R-10 sub-slab foam, R-20 basement walls, R-40 above-grade walls, and R-60 ceilings.Thompson continued, “Then way over here is [the building] code. The brilliance of the term PGH is that the name appeals to this enormous group of people.”However, the problem with PGH, in Jesse’s opinion, is that by telling people PGH is good enough, it makes it harder for him and other people on the forefront to pull building standards forward. In his words, “Now we need ‘Extra-Passivhaus.’” The Northeast Sustainable Energy Association (NESEA) held its annual meeting in Portland, Maine, on September 15th, 2012. After a day of tours of local sustainably designed projects and some pre-meeting smorgasbord grazing, the meeting started with a round of speeches by board and association directors. (Exciting changes are coming; stay tuned!). Then the meeting continued with the entertainment portion of the evening: a panel-style discussion about the Pretty Good House.The discussion was moderated by Dan Kolbert, a Portland-area builder, and it didn’t take long for the audience to get involved — making the whole thing seem like a better-dressed version of our building science discussion groups.Like all of our discussions about the Pretty Good House (PGH), the topics and questions ranged all over the place. I had planned to write a single blog post summarizing what we talked about, but there were so many interesting aspects discussed that I think it will make more sense to write a series of posts. One recurring question seems to be, “What the heck is a ‘pretty good house’?” so let’s start with that. RELATED ARTICLES The Pretty Good HouseThe Pretty Good House, Part 2Martin’s Pretty Good House ManifestoRegional Variations on the ‘Pretty Good House’Is the Pretty Good House the Next Big Thing?Is the Pretty Good House the Next Big Thing? Part 2Visiting Energy-Smart Designers and Builders in MaineSteve’s Garage Annual NESEA Meeting and the Pretty Good HouseGreen Building for Beginners A better building standard?Here’s my take: Right now, Passivhaus, “net-zero-ready,” LEED, and other programs define the upper edge of building standards. In other industries, the Upper End appeals to those who want the best — who want to be the best. In other words, the Rolex and Mercedes people, to repurpose an analogy proposed by Jesse Thompson.The Upper End is a stretch, but not impossibly out of reach, for most people. But to get there takes more sacrifice than people are willing to put in. Paul Eldrenkamp noted, “We used to discuss ‘diminishing returns’ a lot more.” To mix in another metaphor, not everyone has the compulsion or the wherewithal to get straight A’s.However, it seems to me that nearly everybody wants, at least, to be better than average. The PGH should seek to define “better than average,” and with that definition, move the average forward. We need the adventurers on the forefront, moving the bar ever upward, and we need Code Minimum to define the worst allowable building standard. Right now the vast majority of houses fall far closer to Code Minimum than they do to any other standard.By defining a practical, achievable level of quality and energy use standards, adjusted for different climates and existing buildings, we can reach a huge number of people who currently only have two extremes to use in judging quality. By educating tradespeople, homeowners, and designers on what a “pretty good house” looks like and how it should perform, we can affect the built environment in a meaningful way, while making ever higher building standards more accessible.What do you think? Is a PGH simply defined as the midpoint between code-minimum (or worse) homes on one end, and Passivhaus (or better) buildings on the other end? Or should the PGH be a more proactive standard, aiming for, say, 75% of the way to the top, in an effort to reach more people and improve more buildings?last_img read more