Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6."

Transcription

1 Impact your future Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. DECIDE Make plas with good advice from ACT.

2 1. Thik Thik about yourself ad your college eeds Do you start thigs o your ow or do you eed others to motivate you? Do you like large groups or do you prefer to be o your ow or i small groups? Is it importat to be close to home? Do you wat to participate i extracurricular iterests ad activities? Kowig what s importat will help you select a college that s right for you. Why college? Do you wat to icrease your earig power? Do you wat ew learig opportuities? Do you wat to meet iterestig people? Statistics show that people with four-year college degrees more tha double their earig power over someoe who holds a high school diploma. High school graduates have a lifetime earig power of about $1.3 millio compared to college graduates, who ca expect to ear $2.2 millio or more durig their careers. Thik about what you wat for the future. Preparig for college is preparig for the ACT The ACT tests what you ve leared i high school core courses. So use what you kow to get ito college. May colleges use ACT results to make decisios about college admissio, course placemet, career couselig, ad scholarship awards. Take the ACT i your juior year so you ca meet deadlies for admissio ad scholarships. Your test results may ifluece which courses to take i your seior year to improve your readiess for college. You ll also have time to retest if you feel your scores do t accurately reflect your ability. High school courses ACT recommeds Courses Eglish Mathematics Sciece Social Studies Other ACT Recommeds Four years Three years (icludig Algebra I, Geometry, ad Algebra II) Three years (icludig Biology, Chemistry, ad Physics) Three years Foreig laguage, visual ad performig arts, computer sciece, etc. Check with the colleges you are iterested i to see if they require additioal courses. Colleges will look at your performace i high school core courses whe you apply for admissio. If you are the first perso i your family to atted college, the Family Firsts booklets ( will give you ad your family additioal iformatio to avigate the college plaig process. The ACT measures kowledge ad skills i Eglish, math, readig, ad sciece. ACT also offers a optioal Writig Test. Check the ACT studet website at to see if your preferred college requires the Writig Test. Sig up for your ACT studet web accout early to prepare for college, explore career optios, ad more at

3 2. Cosider Cosider college characteristics Goig to college ivolves a lot of time ad moey. Thik carefully about the type of academic program ad majors that iterest you. The rak other factors based o your persoal prefereces ad eeds. Decide what matters the most to you so you idetify colleges with the best fit locatio, size, academic programs, activities, cost, etc. Types of schools A college offers curriculum leadig to a fouryear bachelor of arts or bachelor of sciece degree. A uiversity usually has four-year degree programs ad ofte has graduate programs i liberal arts, busiess, egieerig, educatio, medicie ad other fields. Commuity ad techical colleges offer two-year career/techical educatio programs. They also provide trasfer programs that are similar to the freshma ad sophomore offerigs at four-year colleges ad uiversities. Area career ceters (vocatioal-techical schools) offer career-orieted postsecodary programs that may last from a few moths to a couple of years. Admissio requiremets Uderstadig admissio requiremets will give you some idea of how likely you are to be accepted. Admissio policies rage from Ope (all high school graduates are accepted util the school s erollmet is at capacity; average ACT score is 16 21) to Highly Selective (the majority of freshme who are accepted are i the top 10 percet of their high school graduatig class; average ACT score is 25 30). Look for the admissio stadards o the college websites or talk to the admissios office staff. Cost If cost is a cocer for you, do t automatically pass over a istitutio that appears too expesive. Check ito available fiacial aid ad scholarships. Keep your optios ope. If you are udecided about your major or career directio, look for colleges that provide flexibility ad optios to chage your mid. Get advice from your parets, school couselors, or other advisors. Compare otes o schools with your frieds. Large colleges may offer more areas of specialized study more courses i each area more aoymity greater rage of extracurricular activities larger libraries more laboratory facilities graduate programs Small colleges may offer more persoal atmosphere small classes, more discussio, ad fewer lectures greater chace for participatio i athletics, clubs, leadership positios less distace betwee studets ad faculty more flexible programs

4 3. Compare Compare colleges Idetify colleges where you wat to apply for admissio. Gather iformatio from as may sources as possible. The more iformatio you have, the more likely you are to make a good decisio. These resources ca help. College websites ad college reps High school couselors Family Professioals i your field of iterest College fairs Pla a college visit Fill out a form o the college website or cotact the school s admissios office to schedule a visit. Try to make arragemets i advace so you ca talk to as may people as possible. See if you ca meet with faculty, coaches, or studets ivolved i your areas of iterest both academic ad extracurricular. Timig for your visit is crucial to get a accurate impressio of the school. For example, if you pla your trip durig a college break or a big evet like homecomig, you probably wo t experiece the typical campus atmosphere. Checklist for a campus visit Meet with a admissios couselor. Ask about admissios requiremets. Does the school require or recommed the ACT ad the ACT Writig Test? Discuss your chaces for success i certai programs. Fid out how to apply. Ask about costs, fiacial aid, ad scholarship opportuities. Meet with faculty i the departmet of your iteded major. Ask questios about academic requiremets/ offerigs. Ask about housig ad trasportatio optios. Atted a class to get a idea of typical size, teachig style, ad academic atmosphere. Ask about the career placemet record for graduates i the field you pla to study. Idetify career plaig services for udergraduates. Tour the campus ad check out the residece halls, diig optios, ad library resources. Talk to studets about the eviromet ad the amout of studyig ecessary for success. Fid out about studet activities, campus life, ad social activities. Meet with coaches, music directors, ad other faculty ad staff about your areas of iterest. Note About College Majors It s ok to be udecided about a major most colleges provide services to help studets select a major durig the first or secod year.

5 4. Apply Apply for admissio ad meet all deadlies Narrow your college choices. Cosider each school s educatioal programs, your likelihood of gettig admitted, ad the possibilities for fiacial aid. If your first-choice college fits your fiacial resources ad there is o doubt about your admissio there, you may eed to apply oly to that school. If this is ot the case, you will wat to apply to oe or more secod-choice colleges. If possible, iclude at least oe that s a sure thig for you i terms of admissio stadards ad costs because you probably wo t receive a defiite decisio o a fiacial aid package util the sprig of your seior year. Kow the applicatio process, deadlie, ad fee schedule for each school you re cosiderig. Complete the applicatios ad retur them to the admissios offices as early as possible. Keep copies for your records. Ask your couselor to have all ecessary trascripts, records, test scores, ad applicatios set to the schools. If a college asks you to idetify refereces (teachers, couselors, pricipal, employers), select people who kow you well ad always get their permissio to use them as refereces. Top College applicatio mistakes Misspelligs ad grammatical errors Applyig olie, but ot submittig the applicatio Forgotte sigatures Not readig carefully Listig extracurricular activities that are't activities Not tellig your school couselor where you've applied Not givig refereces much time to submit letters of recommedatio Usig a address that frieds might laugh about, but colleges wo't Not checkig your regularly Lettig Mom or Dad fill out the applicatio for you

6 5. Pla Pla to pay for your educatio For most studets, college costs are a big factor i the plaig process. Check out college websites or cotact their admissios or fiacial aid office to get estimated costs for attedace. Calculate direct costs (tuitio ad fees, room ad board) Determie idirect costs (books ad supplies, trasportatio, clothig, laudry, ad etertaimet) Add up your estimates, but do t paic whe you see the totals. Remember that may colleges offer fiacial aid ad scholarship fuds. Ways to fiace your educatio You may have already started savig for your college educatio with moey from part-time or summer jobs, family gifts, ad other resources. But it s likely you are goig to eed more help. Talk with your family about their willigess ad ability to pay some college costs. Ad remember that may studets receive fiacial aid ad merit-based scholarships. Do t assume that you re ieligible for fuds. Explore all your optios. Fudig sources Scholarships Awards based o merit or merit plus eed that you do t repay. Grats Awards based o eed that you do t repay. Loas Fuds available through private ledig istitutios, colleges, ad the federal govermet that must be repaid. Work-Study Programs Jobs fuded by the school ad ofte related to a studet s program of study. Free Fiacial Aid Resources o the Web Steps to apply for fiacial aid Federal Studet Aid Homepage US Departmet of Educatio s comprehesive resource o studet fiacial aid FAFSA Free Applicatio for Federal Studet Aid 1. Apply for admissio as well as fiacial aid. May colleges require both a applicatio for admissio ad for fiacial aid before your fiacial aid eligibility ca be determied. Deadlies vary, so develop a caledar of importat dates ad meet all deadlies for admissios ad fiacial aid. 2. Submit required fiacial aid forms. File all forms for the colleges you are cosiderig, icludig the FAFSA (Free Applicatio for Federal Studet Aid). Go to to fill out the form or request a paper versio. Note: You oly eed to complete oe FAFSA, which icludes a sectio for you to list colleges that should receive your iformatio. I your seior year, complete the FAFSA as soo after Jauary 1 as possible. The FAFSA calculates your Expected Family Cotributio (EFC) ad determies your eligibility for federal Pell Grats, other federal fiacial aid programs, ad may state programs. 3. Apply for scholarships ad grats. Ask about state scholarship, grat, ad loa programs. Also look for istitutioal, commuity, foudatio, ad corporatio program fuds. 4. Keep track of progress. Moitor the iformatio you receive from colleges regardig fees, paymet schedules, etc. Iclude this iformatio i your college plaig.

7 6. Decide Decide what your future holds As you move through your seior year, you will have to make a fial college choice. Talk more with the people you trust for advice ad weigh your optios. Oce you make a decisio, ad your college cofirms your erollmet, otify all the other colleges you applied to that you will ot be attedig so they are ot holdig a place for you. Start thikig about the may opportuities college will offer you. Look to the future with ethusiasm! Curiosity, hard work, ad perseverace will make the differece as you eter a excitig ew phase of your life. Additioal College Plaig Websites US Departmet of Educatio s website with iformatio for studets ad parets. Departmet of Labor s Occupatioal Outlook Hadbook icludes employmet traiig, earigs, projectios, publicatios, etc. The ACT guide to plaig for college ad career. Resources from GEAR UP (Gaiig Early Awareess ad Readiess for Udergraduate Programs) to help low-icome studets prepare ad succeed i postsecodary educatio. Sources for your fiacial assistace: the federal govermet professioal ad service orgaizatios state agecies private foudatios colleges ad uiversities by ACT, Ic. All rights reserved

A Parent s Guide to College and Career Readiness:

A Parent s Guide to College and Career Readiness: A Paret s Guide to College ad Career Readiess: A guide to help you support your child s dreams Produced by the Uiversity of Miesota College Readiess Cosortium i partership with the Uiversity YMCA 1 INTRODUCTION

More information

A powerful promise. The 21st Century Scholarship Covenant

A powerful promise. The 21st Century Scholarship Covenant A powerful promise The 21st Cetury Scholarship Coveat Keep your eye o the prize. We ll help you reach your goal. The greatest good you ca do for aother is ot just to share your riches, but to reveal to

More information

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

College of Nursing and Health care Professions

College of Nursing and Health care Professions College of Nursig ad Health care Professios a history of excellece Grad Cayo Uiversity s College of Nursig ad Health Care Professios has bee providig a outstadig health care educatio for over 25 years.

More information

Ken blanchard college of business

Ken blanchard college of business Ke blachard College of BUSINESS a history of excellece Established i 1949, Grad Cayo Uiversity has more tha a 60-year track record of helpig studets achieve their academic goals. The Ke Blachard College

More information

undergraduate Invest in your greatest asset you. www.northeastern.edu/cps

undergraduate Invest in your greatest asset you. www.northeastern.edu/cps udergraduate UNDERgraduaTE DEGREE PROGRAMS Ivest i your greatest asset you. www.ortheaster.edu/cps The College of Professioal Studies Experiece Northeaster Uiversity i a whole ew way. Put yourself o track

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Information for Adult Students

Information for Adult Students Admissios Office................ Couselig Office............... Admissios Office................ Admissios Office................ Coordiator of Disabilities........ Olie Educatio Office.......... Eglish

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 14 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

Predictive Modeling Data. in the ACT Electronic Student Record

Predictive Modeling Data. in the ACT Electronic Student Record Predictive Modelig Data i the ACT Electroic Studet Record overview Predictive Modelig Data Added to the ACT Electroic Studet Record With the release of studet records i September 2012, predictive modelig

More information

www.nacacnet.org Guiding the Way to Higher Education: Step-by-Step To College Workshops for Students Late High School Curriculum Grades 11 and 12

www.nacacnet.org Guiding the Way to Higher Education: Step-by-Step To College Workshops for Students Late High School Curriculum Grades 11 and 12 www.acacet.org Guidig the Way to Higher Educatio: Step-by-Step To College Workshops for Studets Late High School Curriculum Grades 11 ad 12 www.acacet.org Copyright 2008 These materials are copyrighted

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 15 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

Dream, Believe, Succeed! A College Planning Handbook for English Language Learners and Their Families

Dream, Believe, Succeed! A College Planning Handbook for English Language Learners and Their Families Dream, Believe, Succeed! A College Plaig Hadbook for Eglish Laguage Learers ad Their Families Notes Itroductio Itroductio 4 Navigatig New York City s Schools as a ELL 5 High School Educatio at a Glace

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Bank Secrecy Act. Job-specific BSA tracks Related case studies Suggested courses

Bank Secrecy Act. Job-specific BSA tracks Related case studies Suggested courses Bak Secrecy Act Whether your bak is big or small, Bak Secrecy Act (BSA) compliace ofte feels overwhelmig due to the complexities ad related processes ad procedures surroudig this ever-chagig legislatio.

More information

International Student Application Forms For Undergraduate Admissions

International Student Application Forms For Undergraduate Admissions Iteratioal Studet Applicatio Forms For Udergraduate Admissios Below is a checklist of all the iformatio that must be tured i before your applicatio ca be processed. Oce all of these items are received,

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

National Institute on Aging. What Is A Nursing Home?

National Institute on Aging. What Is A Nursing Home? Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke

More information

Your 1st Step to Finding Resources for Older Adults

Your 1st Step to Finding Resources for Older Adults Your 1st Step to Fidig Resources for Older Adults Are you iterested i home delivered meals? Do you eed a ride to a doctor s appoitmet? Are you takig care of yourself while takig care of a agig fried or

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

ESL Healthcare Bridge Program Outreach Materials

ESL Healthcare Bridge Program Outreach Materials ESL Healthcare Bridge Program Outreach Materials This package cosists of a brochure ad two flyers Developed by NORTH SEATTLE COMMUNITY COLLEGE Fuded by the Seattle Commuity-Based Health Care Traiig Partership

More information

Information for Programs Seeking Initial Accreditation

Information for Programs Seeking Initial Accreditation Iformatio for Programs Seekig Iitial Accreditatio Aswers to Frequetly- Asked-Questios (from www.abet.org/ew-to-accreditatio/) Assurig Quality l Stimulatig Iovatio This documet iteds to aswer may of the

More information

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY 84 www.ewcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY Applicatio procedure Prospective iteratioal studets iterested i applyig for admissio to a Uiversity of Newcastle degree

More information

One Goal. 18-Months. Unlimited Opportunities.

One Goal. 18-Months. Unlimited Opportunities. 18 fast-track 18-Moth BACHELOR S DEGREE completio PROGRAMS Oe Goal. 18-Moths. Ulimited Opportuities. www.ortheaster.edu/cps Fast-Track Your Bachelor s Degree ad Career Goals Complete your bachelor s degree

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

CGH 306: Supervised Field Training in Public Health. What is a field training experience? What is the purpose of field training requirement?

CGH 306: Supervised Field Training in Public Health. What is a field training experience? What is the purpose of field training requirement? CGH 306: Supervised Field Traiig i Public Health Orietatio ad Aswers to Frequetly Asked Questios What is a field traiig experiece? A itegrative, practical experiece i the CGU MPH program Worth 4 uits of

More information

DEGREE, CERTIFICATE, AND TRANSFER INFORMATION

DEGREE, CERTIFICATE, AND TRANSFER INFORMATION 46 Degree, Certificate, ad Trasfer Iformatio 6 C H A P T E R DEGREE, CERTIFICATE, AND TRANSFER INFORMATION Successful completio of approved programs at Ohloe College may lead to: A Associate i Arts (AA)

More information

A guide to School Employees' Well-Being

A guide to School Employees' Well-Being A guide to School Employees' Well-Beig Backgroud The public school systems i the Uited States employ more tha 6.7 millio people. This large workforce is charged with oe of the atio s critical tasks to

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Study in the United States. Post Graduate Programs

Study in the United States. Post Graduate Programs Study i the Uited States Post Graduate Programs P l a c e m e t S p e c i a l i s t s f o r N o r t h A m e r i c a ISES Opes Doors Iteratioal Studet Educatio Services, Ic. specializes i placig studets

More information

APPENDIX V TWO-YEAR COLLEGE SURVEY

APPENDIX V TWO-YEAR COLLEGE SURVEY APPENDIX V TWO-YEAR COLLEGE SURVEY GENERAL INSTRUCTIONS Coferece Board of the Mathematical Scieces SURVEY OF PROGRAMS i MATHEMATICS AND COMPUTER SCIENCE i TWO-YEAR COLLEGES 1990 This questioaire should

More information

The Forgotten Middle. research readiness results. Executive Summary

The Forgotten Middle. research readiness results. Executive Summary The Forgotte Middle Esurig that All Studets Are o Target for College ad Career Readiess before High School Executive Summary Today, college readiess also meas career readiess. While ot every high school

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

insight reporting solutions

insight reporting solutions reportig solutios Create ad cotrol olie customized score reports to measure studet progress ad to determie ways to improve istructio. isight Customized Reportig empowers you to make data-drive decisios.

More information

How deductible plans work

How deductible plans work Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Dollar$ and $ense. A Guide to Help You Manage Your Personal Finances Through College and Beyond.

Dollar$ and $ense. A Guide to Help You Manage Your Personal Finances Through College and Beyond. Dollar$ ad $ese A Guide to Help You Maage Your Persoal Fiaces Through College ad Beyod www.sccsc.edu About This Brochure Kowig how to maage your moey will help you prepare to meet your goals ad have eough

More information

Anti-Money Laundering

Anti-Money Laundering Ati-Moey Lauderig Over the last year, moey-lauderig crimes siphoed a estimated $1.3 trillio out of the global ecoomy.* I light of this staggerig statistic, the resultig striget legislatio is uderstadable.

More information

DEGREE, CERTIFICATE, AND TRANSFER INFORMATION

DEGREE, CERTIFICATE, AND TRANSFER INFORMATION 39 Degree, Certificate, ad Trasfer Iformatio 6 C H A P T E R DEGREE, CERTIFICATE, AND TRANSFER INFORMATION Successful completio of approved programs at Ohloe College may lead a Associate i Arts for Trasfer

More information

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 17 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT H E A L T H C A R E D E L I V E R Y S Y S T E M C A S E M A N A G E M E N T E D U C A T I O N Advacemet FORUM CULTIVATING LEADERS IN CASE MANAGEMENT DATES AND LOCATIONS LOS ANGELES, CA DECEMBER 11 DALLAS,

More information

What You Need To Know About Your HECM Counseling Session

What You Need To Know About Your HECM Counseling Session What You Need To Kow About Your HECM Couselig Sessio 1. Why do I eed couselig? The US Departmet of Housig ad Urba Developmet (HUD) requires a certified couselig sessio for a federally-isured reverse mortgage,

More information

Deceased organ donation

Deceased organ donation Deceased orga doatio Let's talk about it Table of Cotets Itroductio Why orga doatio is so importat Facig the facts Kidey trasplats are highly successful What exactly is deceased doatio? What orgas ca be

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

Tenants handbook Booklet 4. Paying your rent. June 2015

Tenants handbook Booklet 4. Paying your rent. June 2015 Teats hadbook Booklet 4 Payig your ret Jue 2015 Your Ret ad other charges Payig your ret ad other charges is a coditio of your teacy. If you do ot pay, you will have broke your teacy agreemet with us.

More information

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos maximize all

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

DENVER International Student Information Guide

DENVER International Student Information Guide COMMUNITY COLLEGE OF DENVER Iteratioal Studet Iformatio Guide www.ccd.edu WHY CCD IS THE RIGHT CHOICE PURSUE YOUR DREAMS We kow that pursuig your educatioal goals is a importat decisio. CCD is the perfect

More information

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos to maximize

More information

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development

Use Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos to maximize

More information

Conservative treatment:

Conservative treatment: Coservative treatmet: Choosig ot to start dialysis T H E K I D N E Y F O U N D A T I O N O F C A N A D A 1 Coservative treatmet: Choosig ot to start dialysis You have the right to make your ow choices

More information

Graduate Programs Student Focused Globally Connected

Graduate Programs Student Focused Globally Connected Graduate Programs Studet Focused Globally Coected www.regiscollege.edu Havig served at Regis for over twety-five years, I have see our graduate programs grow by leaps ad bouds i size, i scope, ad i value.

More information

WHERE CHANGE IS POSSIBLE

WHERE CHANGE IS POSSIBLE WHERE CHANGE IS POSSIBLE gree workspaces AT TIDES, WE HAVE BEEN WORKING WITH PEOPLE LIKE YOU FOR MORE THAN 30 YEARS TO MAKE THE WORLD A BETTER PLACE. Our missio is to parter with philathropists, foudatios,

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN THIS FACTSHEET RELATES TO QUESTION 2.3 OF THE MSPI (MUSEUM STANDARDS PROGRAMME FOR IRELAND) 1. Itroductio Writig a Strategic Maagemet Pla ca provide

More information

Under University of Dhaka

Under University of Dhaka BANGLADESH INSTITUTE OF HEALTH SCIENCES Uder Uiversity of Dhaka I collaboratio with Uiversity of Oslo i Norway supported by NOMA Program AN INSTITUTION OF DIABETIC ASSOCIATION OF BANGLADESH I t r o d u

More information

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e,

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e, Busiess Itelligece Software for Retail To c o m p e t e i t o d a y s r e t a i l e v i r o m e t, y o u e e d a s i g l e, comprehesive view of your busiess. You have to tur the decisio-makig of your

More information

MESSAGE TO TEACHERS: NOTE TO EDUCATORS:

MESSAGE TO TEACHERS: NOTE TO EDUCATORS: MESSAGE TO TEACHERS: NOTE TO EDUCATORS: Attached herewith, please fid suggested lesso plas for term 1 of MATHEMATICS Grade 12. Please ote that these lesso plas are to be used oly as a guide ad teachers

More information

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7 Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig

More information

Time Value of Money. First some technical stuff. HP10B II users

Time Value of Money. First some technical stuff. HP10B II users Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle

More information

Solutions Library. AMGA/AVATAR CAHPS for PQRS Survey Program. Leslie Babecki, CAHPS Manager, Avatar Solutions

Solutions Library. AMGA/AVATAR CAHPS for PQRS Survey Program. Leslie Babecki, CAHPS Manager, Avatar Solutions Solutios Library AMGA/AVATAR CAHPS for PQRS Survey Program Leslie Babecki, CAHPS Maager, Avatar Solutios Webiar, August 28, 2015 Sice the Agecy for Healthcare Research ad Quality lauched the CAHPS iitiative

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS I the sprig of 2008, Stadig Together agaist Domestic Violece carried out a piece of collaborative work o domestic violece

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited

More information

TRINITY FEASIBILITY STUDY IN ADMISSIONS APPLICATION GUIDE 2016

TRINITY FEASIBILITY STUDY IN ADMISSIONS APPLICATION GUIDE 2016 TRINITY FEASIBILITY STUDY IN ADMISSIONS APPLICATION GUIDE 2016 Table of Cotets 1. Foreword 1 2. The New Admissios Route 2-3 3. Triity Feasibility Study Applicatio Guide 3-6 4. Triity Applicatio Form (sample

More information

Application. Graduate Admission. Graduate Studies at FDU. Metropolitan Campus Teaneck, NJ College at Florham Madison, NJ

Application. Graduate Admission. Graduate Studies at FDU. Metropolitan Campus Teaneck, NJ College at Florham Madison, NJ 15852 FDU Grad App v3_10331 applicatio v9 8/10/11 8:49 AM Page 2 Graduate Studies at FDU Graduate Admissio Applicatio Metropolita Campus Teaeck, NJ Madiso, NJ TO APPLY ONLINE OR TO DOWNLOAD A PAPER APPLICATION,

More information

AGC s SUPERVISORY TRAINING PROGRAM

AGC s SUPERVISORY TRAINING PROGRAM AGC s SUPERVISORY TRAINING PROGRAM Learig Today...Leadig Tomorrow The Kowledge ad Skills Every Costructio Supervisor Must Have to be Effective The Associated Geeral Cotractors of America s Supervisory

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

STUDENTS PARTICIPATION IN ONLINE LEARNING IN BUSINESS COURSES AT UNIVERSITAS TERBUKA, INDONESIA. Maya Maria, Universitas Terbuka, Indonesia

STUDENTS PARTICIPATION IN ONLINE LEARNING IN BUSINESS COURSES AT UNIVERSITAS TERBUKA, INDONESIA. Maya Maria, Universitas Terbuka, Indonesia STUDENTS PARTICIPATION IN ONLINE LEARNING IN BUSINESS COURSES AT UNIVERSITAS TERBUKA, INDONESIA Maya Maria, Uiversitas Terbuka, Idoesia Co-author: Amiuddi Zuhairi, Uiversitas Terbuka, Idoesia Kuria Edah

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master Data Maagemet Applicatio/Package :

More information

AP Calculus AB 2006 Scoring Guidelines Form B

AP Calculus AB 2006 Scoring Guidelines Form B AP Calculus AB 6 Scorig Guidelies Form B The College Board: Coectig Studets to College Success The College Board is a ot-for-profit membership associatio whose missio is to coect studets to college success

More information

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY

THE FAMILY BUSINESS. The Jones Family Business CASESTUDY THE FAMILY BUSINESS The Joes Family Busiess CASESTUDY Workig with cliets to trasitio a family busiess i the cotext of overall estate plaig ca be very emotioal ad dautig for a variety of reasos. It is ofte

More information

Consider these sobering statistics

Consider these sobering statistics Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

Diploma in Secretarial Administration

Diploma in Secretarial Administration Istitute of Fiace Diploma i Secretarial Admiistratio Awarded by the Lodo Chamber of Commerce ad Idustry (LCCI) Startig October 2007 ope for erollmet from July 2007 Be smart start right eroll ow! Eglish

More information

FLEXIBLE GUARANTEE BOND SERIES 2

FLEXIBLE GUARANTEE BOND SERIES 2 FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Ideate, Inc. Training Solutions to Give you the Leading Edge

Ideate, Inc. Training Solutions to Give you the Leading Edge Ideate, Ic. Traiig News 2014v1 Ideate, Ic. Traiig Solutios to Give you the Leadig Edge New Packages For All Your Traiig Needs! Bill Johso Seior MEP - Applicatio Specialist Revit MEP Fudametals Ad More!

More information

T H E N O N P R O F I T S E C T O R I N B R I E F :

T H E N O N P R O F I T S E C T O R I N B R I E F : URBAN INSTITUTE T H E N O N P R O F I T S E C T O R I N B R I E F : Public Charities, Givig, ad Voluteerig, 2012 Amy S. Blackwood, Katie L. Roeger, ad Sarah L. Pettijoh This brief summarizes ad expads

More information

MEETING OF THE GRADUATE ASSEMBLY THE UNIVERSITY OF TEXAS AT ARLINGTON. February 15, 2001

MEETING OF THE GRADUATE ASSEMBLY THE UNIVERSITY OF TEXAS AT ARLINGTON. February 15, 2001 DRAFT GA 02-3-1 MEETING OF THE GRADUATE ASSEMBLY THE UNIVERSITY OF TEXAS AT ARLINGTON February 15, 2001 The Graduate Assembly meetig of February 15, 2001 was called to order by Chair K. Behbehai at 2:30

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

Houston Independent School District

Houston Independent School District Housto Housto Idepedet School District Program Name: Implemeted: Program Type: Legal Authorizatio: Weighted Studet Formula 2000-2001 School Year District-Wide School Board Policy School Empowermet Bechmarks

More information

The Importance of Media in the Classroom

The Importance of Media in the Classroom 01-TilestoVol09.qxd 8/25/03 3:47 PM Page 1 1 The Importace of Media i the Classroom As teachers, we have a wealth of iformatio from which to choose for our classrooms. We ca ow brig history ito the classroom

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

Evaluating Non-Manitoba Course Completions for Senior Years Credits. A Guide for School Administrators

Evaluating Non-Manitoba Course Completions for Senior Years Credits. A Guide for School Administrators Evaluatig No-Maitoba Course Completios for Seior Years Credits A Guide for School Admiistrators E v a l u a t i g N o - M a i t o b a C o u r s e C o m p l e t i o s f o r S e i o r Y e a r s C r e d

More information