When you have made the decision to apply for a Pell Grant then you need to act on it as soon as possible. Why is this, you may ask. It’s because the Pell Grant is distributed to students on a first-come basis, providing of course that they meet the required criteria. With the enormous amount of students that apply for this grant each year, it means that if you don’t want to miss out, then your application needs to be received as early as possible. In other words, don’t be lulled into a false sense of security by the spring deadline. When the money runs out, so too do the Pell Grants.

Applying for any type of grant assistance is usually quite tedious, and the Pell Grant is no exception. There is a procedure that must be followed and the reward makes the effort worthwhile. To make it easier for you, we have outlined below a suggested list of steps.

1. Get your application in early. Don’t wait until everyone is talking about it and there is a rush to make it before the deadline. There is plenty of documentation that has to be provided, and trying to do this at the last minute is going to cause you grief. Think of the people having to process all the applications for the Pell Grant. Isn’t it much better that they receive yours when they are not so rushed?

2. Do you meet the required criteria? Before you apply for a Pell Grant check that you are eligible.

3. You will be required to provide financial documents, such as tax returns and W2s, as well as forms of identity such as driver’s license and current bank statements. If you are still at home there will be forms for your parents to complete if y you are still their dependent.

4. Complete your FAFSA application and forward it. These are usually available from the school counselor’s office or the financial aid office. Don’t forget to make a copy of all of your application materials before you send them away. It is far better to have this little peace of mind, just in case your application goes missing and you have to quickly submit another one. Not that it happens very often, but it is also good to keep for your own records.

5. If you are accepted, you will receive a SAR or Student Aid Report, which will outline how much money you will receive. It will also provide instructions on how you are able to access your Pell Grant money.

Any student who is considering spending the time to apply for a Pell Grant should visit their official website. Often completing all the required documentation can present somewhat of a challenge the first time around. There should also be plenty of help available from the school counselor or the financial aid adviser. It is their job to help students with the application process.

Part-time students are also able to apply for a Pell Grant. Even students who are enrolled for less than part-time should still apply, as they will still be eligible to receive some money. The amount will be determined by their own individual circumstances. It is important to realize though, that you are not able to receive Pell Grant money from more than one college at a time.

OhmyNews forum discusses experiences in citizen journalism

Thursday, June 30, 2005

Seoul —

The OhmyNews International Citizen Reporters’ Forum (see previous report) concluded on Saturday with several speeches and a visit to sponsoring companies in South Korea’s technology sector. Some invited “citizen reporters” from around the world extended their stay by several days to tour the country. Since the conclusion of the conference, presentations and transcripts have been published on the OhmyNews web site. [1]

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Feeding Puppies, Puppy Deworming and Health Care for your Dog


Julia Bennet

As the holidays approach children make numerous requests to their parents for a puppy for Christmas and many of them oblige though not really having any idea of the care and responsibility involved. One of the perhaps easiest and common mistakes made in the care for puppies involves puppy de-worming and feeding puppies.

Feeding the newest edition in the family might seem easier than you think, as they appear to be great eating machines but feeding puppies people (via table) food is the worst thing you can do for your little companion. Puppies are like human babies, they have specific nutritional needs that can t be met with our food. Also considering that a lot of our food is highly processed making even more unsuitable for dogs. Also consider that certain foods, like chocolate, can make them very sick if not kill your puppy. There are numerous pet food products on the market that provides the proper nutritional feeding puppies. And just like us humans, portioning and frequency can create havoc on the newest member of the family. Puppies can grow into adult dogs that have become overweight; develop premature arthritis and joint problems; and even heart disease. Most puppies can get away with eating three times a day, just like us. Adult dogs, depending upon activity level, can get away with two meals a day. But this isn t the only thing that can affect your newest family member. Various worms can affect the absorption of nutrients for their health and well being.

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There are several worm varieties as well as parasites that can be transmitted from mother to offspring or acquired at any point thru infected grasses the dog comes in contact with. Some of these parasites develop into worms that not only feed on what the animal has ingested but also will feed on their organs, getting healthy at the expense of their host. Worms like the Whipworm, Hookworms, as well as the more commonly known Tapeworm and Roundworms (which can be a few feet long) work their way out past the intestines, into the bloodstreams and headed to other critical organs in the body eventually leading to death. Because portions of these worms maybe seen outside of the dog s body, it does not mean that they are completely gone. They are able to regenerate provided the head is still intact. Protozoan parasites like the Giardia and Coccidia which are single celled organisms can cause as much damage as the worms.

Although most breeders and pet stores make every attempt to provide the best of medical care for all the puppies in their care including de-worming, there is always a chance of them still having these parasites. Of course, there is no guarantee of this from puppy mills or private parties. Animal shelters, such as the Humane Society checks for and treats puppies and older dogs for worms. A simple procedure is used to check and treat for these parasites. As part of the annual vet visit, a check for any worms or parasites should be performed on your puppy or adult dog. This will pay off in the long run for the health of your companion.

The puppy place is your source for your health care questions. Remember your new puppy relies on you for its feeding and de-worming health care needs.

Do you care for your puppies? To know more information about

puppy deworming


feeding puppies

visit Puppys-place.

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Wikinews interviews candidate for New York City mayor Vitaly Filipchenko

Wednesday, June 16, 2021

In early May, Wikinews extended an invitation to Vitaly Filipchenko, an independent candidate in the 2021 New York City mayoral election, set to take place November 2nd, alongside other candidates. Filipchenko answered some questions about his policies and campaign during a phone interview.

Filipchenko, registered on the New York City Campaign Finance Board as Vitaly A. Filipchenko, is the first Russian candidate for New York City mayor, being born in Tomsk, Siberia in 1973, according to news agency Sputnik. He has since naturalised as a United States citizen. According to the web site, Filipchenko has been educated in road construction and maintenance and owns a moving services company; he describes himself on his web site as a “small business owner”. On his web site’s platform page, he says that “[m]y English may not be perfect – but my platform is.”

Incumbent Democrat mayor Bill de Blasio, who won re-election in the 2017 New York City mayoral election by 66.5%, cannot run for a third term under term limits. As of April 28, 22 candidates are currently running, the majority of whom are also Democrats. Ahead of the June Democratic primary for New York City mayor, a poll conducted May 23 and 24 by WPIX and Emerson College of 12 Democratic candidates with a margin of error of 3.2 per cent has former commissioner for the New York City Department of Sanitation Kathryn Garcia and Borough President of Brooklyn Eric Adams leading with 21.1% and 20.1%, respectively.

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By Ed Sneineh

When it comes to insurance needs restaurants are similar to all other businesses in the way that the owners are exposed to liability that can potentially put those owners under the risk of losing their properties and wealth. The following is a brief discussion summarizing the areas that restaurant owners need to worry about when it comes to protecting their wealth and property.

A. Property Insurance issues. Restaurant owners may own buildings or business property that need proper coverage:

(1) Building Coverage: If the restaurant owner owns the building, building coverage may be needed to protect the property from perils such as fire, collapse, smoke, etc. Depending on the location, age, and other factors, building may be covered at Replacement Cost (better) or Actual Cash Value -ACV- (Replacement Cost minus Depreciations.) The proper amount of coverage varies based on square footage. In Chicago, it costs between $100 to $170 per square foot to replace a commercial building.

(2) Restaurant Equipment: Will cover the value of the equipment that is owned by the business. Equipment can also be insured based on either Replacement Cost or ACV.

(3) Business Personal Property (content and inventory) such as food inventory.

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(4) Physical Damage on business auto. If business owns a vehicle that requires physical damage (comp and collision) coverage can be obtained on both ACV or Stated Value (in stated value approach the business owner sets the value of the vehicle to be insured.)

(5) Business Income / Extra Expense. Provide coverage for the extra expense/ income of the business in the event of destruction of business by a covered loss. There is either a time limit, or an amount limit, or both for this coverage.

(6) Crime. It provides the businesses the protection from loss of money, securities, or inventory resulting from crimes (robbery, theft, etc.)

B. Liability Coverage. Restaurant owners may be subject of lawsuit due to negligent acts of the business or its employees. The following should be areas of concerns to the business owners of restaurants:

(1) Commercial General Liability (CGL) provides fundamental coverage for business owner against lawsuits resulting from incidents such as consumers’ slip and fall [premises liability], use of harmful food [product liability], or lawsuits brought against the offenses of the restaurant (or its employees) against the reputation of other people or businesses in the course of advertising [personal & advertising injury]. CGL also provides additional property damage to rented premises [fire legal liability] and coverage for bodily injury suffered by others on the premises of the insured, even though the insured was not negligent.

It is very important that restaurant owners disclose all aspects related to their business, such as yearly revenues, if the business provides catering or not, and if the business restaurant provides delivery or not. Additional important concerns to insurance companies include consumption of liquor, use of live entertainment, availability of dance floor, and other factors related to unusual services. These factors can affect the qualification for certain coverages and the premium that is charged to the policy.

(2) Liquor Liability. Dram shop laws provides for someone who has been injured by an intoxicated individual to sue the liquor establishment that sold/ served the alcoholic beverages to the intoxicated individual. If the restaurant serves liquor on the premises, then dram shop or liquor liability is necessary. Each state has certain minimum limits for liquor liability. In Illinois it is set at $300,000 each occurrence.

(3) Commercial Auto Insurance: If the restaurant owns a vehicle (for delivery, catering, or any other reason) the business owner may need to make sure that enough and appropriate coverage is purchased to protect the business.

(4) Hired and Non Owned Auto. Provides auto liability coverage for any vehicle rented by the restaurant business, or vehicles that are being used for running the business but are not owned by the restaurant owner (ie vehicle owned by someone other than the restaurant or its owner, while making a delivery.)

(5) Workers Compensation Provides coverage for injured workers, regardless of fault, if their injuries are work related. This is a mandatory coverage by the state in Illinois.

About the Author: Ed Sneineh is the founder of Insurance Navy, a commercial and personal insurance with several locations in Illinois. The agency provides online business insurance quotes as well as auto insurance quotes from several top rated carriers such as the Travelers, the Hartford and many more.

Source: isnare.com

Permanent Link: isnare.com/?aid=698573&ca=Finances

Internet pirates want their own nation

Monday, January 15, 2007

This article features in a News Brief from Audio Wikinews:

The Pirate Bay, a file-sharing website based in Sweden, seeks to purchase its own island nation in an attempt to escape copyright laws. A group of people has launched a campaign to collect money via the Internet to acquire a former British sea platform situated in the North Sea, six miles (9.6 kilometers) off the British coast.

The Pirate Bay states that the platform, named Sealand, will give users an easy way of sharing files protected by copyright in other nations. According to the statement made on the website, those who invest in purchasing Sealand will receive citizenship in it.

The platform was occupied in 1967 by the associates and family members of Paddy Roy Bates, a former radio broadcaster and former British Army Major, who now form its royal family. Prince Roy and Princess Joan Bates and their son Prince Regent Michael are willing to sell the platform for £65m. The royal family claims that it is independent and outside of any country’s jurisdiction.

The sovereign status of the platform is disputed. The Government of the United Kingdom extended the territorial waters from 3 to 12 nautical miles after 1987, placing Sealand in its jurisdiction. However, Prince Roy simultaneously expanded the territory of Sealand and claimed continued independence. (See Sealand on Wikipedia.)

Hired estate agents from Spain estimate the price of the floating island to be about 504 million pounds. The Swedish website mentioned that it was looking for alternatives to acquire Sealand. It also mentioned that if the “Internet-pirate” community is not able to buy Sealand, it will look for another small place to claim as its own.

The Pirate Bay website was closed for some time in May 2006 due to Swedish police raids. The site was later re-opened from the Netherlands before moving back to Sweden.

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Japan to use renewable energy

Tuesday, August 16, 2011

A new law which seeks to utilise reusable energy and minimise cost impact on consumers is under development in Japan. The new law, which would be effective from July 1 next year, would seek to reduce Japan’s dependency on nuclear power.

The new legislation would urge power utilities to cut costs by purchasing renewable energy from outside companies and private businesses. Japan’s decision has been referred to as opening the door on renewable energy, which currently only contributes to six percent of Japan’s energy sources.

Politicians have amended the bill, allowing the revised bill to pass through parliament later this month. Prime Minister Naoto Kan who is pushing for the bill to be passed in return for his resignation, has stated that the ‘feed-in-tariff on renewable energy will be set at a fixed price so that utilities are limited to purchasing electricity from renewable power generators. Kan hopes that this will encourage more business and private corporate partners to enter into the renewable energy market.

“As a medium-term revolutionary energy and environmental strategy, we have decided to start a thorough review of nuclear power policy and draw a roadmap for a reduction of the dependence on nuclear power” Mr Kan said.

Large companies are concerned about the new legislation as it will continue to affect profit margins which are low due to power shortages and high priced exports. The bill was changed to reduce the surcharge for large power companies after complaints from the Japanese steel industry. If the scheme is launched then consumers will face an increase on electricity bills as utilities can pass their costs onto end-users. Despite the governments promise to cap the surcharge for the next ten years, there is no reference to it in the revised bill.

Lawmakers hope that by adding a provision requiring utilities to streamline their operations, the impact on consumers will be minimized.

A third party group will be set up within the under the Agency for National Resources and Energy to ensure that the setting of fixed prices are fair and just.

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Electronic voting disputed in France

Wednesday, April 18, 2007

In France, voting has traditionally been a low-tech experience: voters isolate themselves in a booth, put a pre-printed sheet of paper indicating their candidate of choice into an envelope. After officials verify the voter’s identity, the voter drops the envelope into the ballot box and signs the voting roll. French electoral law rather strictly codifies the proceedings. Since 1988, ballot boxes must be transparent so that voters and observers can witness that no envelopes are present at the start of the vote and that no envelopes are added except those of the duly counted and authorized voters. Candidates can send representatives to witness every part of the process. In the evening, votes are counted by volunteers under heavy supervision, following specific procedures.

In the past, voting machines, though authorized by law, were scarce. But this year, during presidential elections (the first round was April 22, the second is on May 6), the country is shaken by controversy about the machines intended to count about 1.5 million votes.

As in the United States, there is a group of academic computer scientists that oppose voting machines. They argue that voting machines replace a public, easily understandable counting process, where large-scale fraud would entail large-scale corruption, by an opaque process where votes are counted by machines that voters have to blindly trust. Voting machines have to be approved by the Ministry of the Interior, but this approval is based on confidential reports by private companies. Opponents to the machines point out that the Ministry was long held by Nicolas Sarkozy, who happens to be the leading candidate. Opponents also list a number of weaknesses and discrepancies that have occurred in other countries using voting machines.

All main political parties except UMP, Mr Sarkozy’s ruling party, oppose the voting machines. Some citizens have filed for court injunctions against the voting machines. Opponents have given detailed instructions that voting witnesses should check whether the machines correspond exactly to an approved type, including software versions, and fulfill all legal conditions. In a sign of the frenzy over the issue, on April 12 the Ministry of the Interior issued a last-minute authorization for a specific model (hardware, firmware). The stakes are high: votes on unapproved machines should be canceled by the Constitutional Council for the official count.

The opposition has crystallized on the Paris suburb of Issy-les-Moulineaux. Issy’s mayor, André Santini is a well-known technophile; his city organizes a “World E-Gov Forum”. Here too, last minute fixes are at work. The machines delivered to the city are of a yet-to-be-approved type. The manufacturer, the American company ES&S voting systems, is now delivering older 2005 machines. Le Monde reports that other municipalities have already replaced their recent machines by an older, approved, model.

Proponents of the machines, such as the French company France Élection, claim they are being defamed and dispute the competence of their critics. Elected officials supporting the machines claim the machines save on paper, time, and the need to find volunteers to count votes.

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The Recycling Of Waste Involves A Lot Of Different Types Of Key Fields

Skip hire and waste recycling is readily available to every business and individual within the UK and gets rid of all types of reasons regarding not getting rid of waste in the best responsible solution. Help are at hand so we are able advice businesses and individuals pick the appropriate dimensions of a skip hire for the rubbish even if the contents could be for waste recycling and/or dump, presuming its appropriate.Typically, skip and recycling hire businesses supply varying sizes of skips which range from all the classically-sized skips which sit out the front of properties which in most cases are being renovated, to roll on and roll off skips that provide for great mountains of commercial waste. Domestic-sized skips typically keep about 50 trash bags of materials and should it be situated on a main road, a permit has to be granted from the local council.Waste recycling is big money now a days that could be how so many roadside manhole covers are being stolen, cut up and sold on to iron mongers for reuse. It is ironic that the drive to recycle metals has now created a targeted market for Stealing metal manhole covers.Builders, whenever contemplating skip hire, often purchase a larger size than the average household-sized skip and recycling hire, however only if the skip may be situated on private property. To accommodate the wider skips, in tighter gaps, it’s usually not likely to obtain the council approval. In general, all these larger skips fit about eighty-five typical rubbish bags of waste though your next one up are huge enough to contain a enormous two hundred and thirty typicalsized bags of wsate. For very big waste management work, building companies when thinking about skip hire are way more likely to prefer to manage their waste management by utilising the vast roll on roll off skips.Waste recycling involves a number of fundamental fields and top of the list is typical dry waste recycling which includes paper, newspaper, cardboard, plastic bottles and aluminium drink cans. In general, these waste products can be collected altogether and then split for easy waste recycling.Offices that have big amounts of paper recycling, normally A4 are advised not to mix the waste business paper with other types of paper and card as waste business paper could be recycled into recycled paper.Properly taken care of, glass could be one of the waste recycling products that could be practically 100% recyclable. Attention in dividing the various varieties of glass bottles to ensure clear glass remains with clear glass and brown glass stays with brown glass and green glass stays with green glass.Waste recycling of metals remains big business now a days, as mentioned above, because the costs of most metals has now increased to such a level that it’s worth robbers taking copper from rooftops or even coils of copper wiring, steel from the highways such as manhold covers and lead from churches. Sadly, you’ll see those that work in waste recycling that don’t check carefully at the origin of the metals sold for recycling waste.Gold recycling has got a excellent deal of interest in recent months because gold has now elevated in value considerably. Nowadays, there’s quite a few tv commercials offering that individuals send their gold valuables to specialist gold waste recycling companies for cash in return. One thing is certain about this type of waste recycling is that the owner of the gold jewellery will receive a very small % of the gold’s real value and even then it is not likely to come close to the original retail buying cost. Any individual thinking about gold waste recycling to make a bit of money should think of other forms of selling first.It might be a clich? but the saying: “where there’s muck there’s brass” has never been a more relevant assessment. Since property slowing down, skip hire for the disposal of rubble,old kitchens and bathrooms might have decreased yet waste recycling of glass, paper and metal has now for sure been a growing trade.

Filled Under: Cash Management



High winds in Texas cause property damage and utilities loss for many

High winds in Texas cause property damage and utilities loss for many
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Sunday, December 23, 2012

Wind storms swept across a large part of Texas on Wednesday, leaving property damaged and many homes without power.

Downed lamposts and trees were reported in multiple locales. One media source reported overturned playground equipment in the city of Rockwall. Winds up to 40 miles-per-hour (mph) were reported over much of the Dallas-Fort Worth Metroplex. Approximately 9,500 people within Tarrant and Dallas counties were without electrical power as late as Thursday afternoon.

Late Wednesday evening, the National Weather Service reported winds at Dallas Love Field up to 66 mph. The city of Edgewood recorded wind speeds up to 70 mph during the storm; three homes, two barns and two business buildings sustained damage. A home in Chandler was damaged when a tree was toppled during the storm (see photo at left).

Dust from as far away as west Texas covered vehicles and other property early Thursday morning in the eastern part of the state. A car wash manager in Tyler told media his business cleaned about three hundred cars on Thursday, busier than usual even for holiday season.

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