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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...
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...
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:
read more...
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Information regarding financial aid for Single Mothers that are attending
college. This includes grants and scholarships from the government as well as
from private organizations.
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.
read more...
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 starting with the 2008-2009 school year.
Effective Dates: The first TEACH Grants will be awarded to eligible students for
the 2008-2009 school year.
read more...
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.
If I am eligible, how will I get the Pell Grant money? Your school can apply
Pell Grant funds to your school costs, pay you directly (usually by check), or
combine these methods. The school must tell you in writing how much your award
will be and how and when you'll be paid. Schools must disburse funds 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.
read more...
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.
read more...
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.
read more...
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.
How Much Can A Student Receive? A National SMART Grant will provide up to $4,000
for each of the third and fourth years of undergraduate study to full-time
students who are eligible for a 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.
read more...
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.
read more...
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.
read more...
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.
When the money for a program is gone, no more awards can be made from that
program for that year. So, make sure you apply for federal student aid as early
as you can. Each school sets its own deadlines for campus-based funds, and those
deadlines are usually earlier than the Department of Education's deadline
studentaid.ed.gov/PORTALSWebApp/students/english/forms.jsp for filing a
FAFSA.
read more...
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).
read more...
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...
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...
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.
•
See
eligibility
read
more...
SUNSHINE LADY Foundation Scholarship Program
The SUNSHINE LADY Foundation, Inc. is a private family foundation established in the fall of 1996 through the vision and determination of founder and President, Doris Buffett. Ms. Buffett has worked for many years on behalf of battered women and their children, as an advocate, fund-raiser, board member and community organizer. A primary focus of the Foundation is to continue, develop and enhance efforts to end domestic violence. Additional funding priorities of the Foundation include primary education, scholarships and families in crisis.
About the Scholarship:
The Women's Independence Scholarship Program (WISP) was created in 1999 to help formerly battered women overcome barriers to the education necessary for their becoming employable and financially stable. The primary intent is to help single mothers with young children who have the greatest financial challenges (childcare costs, etc.) to gain work skills so they can support their families. Our funds target women who are in desperate financial situations and absolutely must have both an education and our funds to assist them.
About Eligibility:
To be eligible to apply for this scholarship, the applicant must be a direct survivor of domestic violence (partner abuse). While we abhor abuse from any source, our effort is in assisting those women who are survivors of partner abuse.
They are now accepting applications for scholarships. More information on www.sunshineladyfdn.org or their FAQ at: www.sunshineladyfdn.org/faq.html
4900 Randall Parkway
Suite H
Wilmington , NC 28403
Phone: 910-397-7742
Fax: 910-397-0023
Toll-Free: 866-255-7742
read more...
The Directory of Financial Aid for Women
by Gail A. Schlachter
ISBN 1588411672
560 pages
Directory of Financial Aids for Women, Hardbound, $45.00.
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. Some examples: $5,000 for high school women
athletes to go to college, thousands of dollars for women in study engineering
or chemistry, up to $5,000 for older women to start or go back to college,
$14,000 per year to women for graduate study in the biological sciences, $18,000
for Hispanic-American women to work on a Ph.D. dissertation. And the list goes
on and on.
read more...
Never Too Late: Entering College as a Non-Traditional Student
by Kelly Kennedy from www.singlemotherresources.com
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If you are single mom and found that you had to give up going back to school to care for your children, you aren’t the only one. Single women do it all the time in order to raise their children. However as children grow up and go to school themselves, single mothers want the chance as well to go back to school. Whether it is to finish where they left off or get continuing education. Sometimes its not as easy to make the transition back to school if you are older but they are plenty others doing the same thing.
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read more...
U.S. Department of
Education
In 1980, the U.S. Department of Education was created by bringing together
offices from several other departments. Its original directive remains its
mission today — to ensure equal access to education and to promote educational
excellence throughout the nation.
Phone: 1-800-USA-LEARN (1-800-872-5327)
TTY: 1-800-437-0833
Fax: 1-202-401-0689
400 Maryland Avenue, SW
Washington, DC 20202
•
The student guide - financial aid from the U.S. Department of Education.
•
Financial Aid site for more information
read more...
Free
Grants for Junior College in California
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.
read more...
Our Families Our Future
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Our Families Our Future is a Wyoming non-profit organization that helps low-income single mothers on their path to economic self-sufficiency. Our CLIMB Wyoming programs train and place women in demand occupations and careers that earn livable wages. Almost 40% of single mothers in Wyoming are living at or below the Federal poverty level, but the staff and partners of Our Families Our Future are working to reverse this statistic by empowering single mothers to improve their lives and the lives of their children.
Our intervention model is based on the Fleming Associates Young Parent Program which was established in Laramie County in 1986 to meet the educational, work and life skills needs of low-income single parents. This is a nationally acclaimed paradigm for moving disadvantaged single mothers out of poverty.
Our Families Our Future
1001 W. 31st Street
Cheyenne, Wyoming 82001
Email: info@ourfamiliesourfuture.org
Phone: (307) 778-0094
Fax: (307) 778-0095
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read more...
Soroptimist.org - Women's Opportunity Awards
Many Women’s Opportunity Award recipients have overcome enormous obstacles in their quest for a better life, including poverty, domestic violence, and drug and alcohol abuse. The Women's Opportunity Awards begin at the local level. Applications will then be forwarded to the closest local participating Soroptimist club. Forward the application to the region contact by December 1st. This will enable it to be forwarded to a local club before the December 15th club deadline.
read more...
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.
• Share your tips, resources and information with other moms
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How to deal with economic stress
Stressed about the economy? You certainly aren’t alone. According to a recent survey from the American Psychological Association, 74% of Americans say work or money cause them stress and anxiety.
The thing is, stress has a huge impact on your body. It can cause headaches, impair your immune system, disrupt your digestive system and can even affect heart function.
Here are some stress-busters you can start today to help curb your symptoms.
read 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.
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...
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...
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.
read more...
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.
read more...
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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.
read more
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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...
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.
read more...
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