A Parent s Guide to College and Career Readiness:

Size: px
Start display at page:

Download "A Parent s Guide to College and Career Readiness:"

Transcription

1 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

2 INTRODUCTION I today s world, a college degree is becomig a requiremet for career-track jobs that pay a livig wage ad provide opportuity for promotio. College is t limited to four-year colleges, however. At commuity ad techical colleges, a studet ca ear a two-year associate degree or obtai a certificate i a specialized field to prepare for a career. Parets, gradparets, ad other carig adults play a critical role i a child s educatio. This guide will help you support your child s preparatio for college from preschool through high school. It is based o research used i the developmet of Ramp-Up to Readiess, a school-wide guidace program of the Uiversity of Miesota College Readiess Cosortium. The program is desiged to icrease the umber ad diversity of studets who graduate from high school with the kowledge, skills, ad habits ecessary for success i college. Ramp-Up to Readiess helps schools prepare studets for college i five areas: Academic Readiess: The ability to succeed i first-year classes that ear credits at a techical college, commuity college, or four-year college or uiversity Admissios Readiess: The ability to meet admissios requiremets at a rage of postsecodary istitutios Career Readiess: The ability to idetify careers that match persoal, fiacial, ad other goals, alog with a uderstadig of the skills, credetials, ad experieces required to succeed i those careers Fiacial Readiess: The ability to cover the cost of the first semester of study at a postsecodary istitutio through savigs, loas, ad/or fiacial aid Persoal ad Social Readiess: The ability to set educatioal goals, make ad moitor progress toward goals, ad create relatioships with peers ad adults that support academic success For more iformatio o why college is importat, visit:

3 College Prep From Ifacy Through High School Support readig: Readig helps develop vocabulary. 4 Talk to your child, from the time he or she is a ifat. 4 Poit out words o sigs to preschoolers. 4 Sped 20 miutes a day readig to your child, or havig your child read to you. Older studets should read o their ow daily, but ofte still ejoy listeig to adults read. For variety, visit a public library for books ad magazies or buy a ewspaper. Remember itelligece is ot fixed: Effort ad persistece whe facig challeges are importat characteristics of a successful studet. 4 Tell your child, smart is ot what you are; smart is what you work to become. 4 Praise your child s efforts, ot just success; say thigs such as: I like how you kept at that math assigmet, eve though it was hard. Help your child set goals: Settig goals is good practice, ad achievig goals creates motivatio. 4 Help your studet set ad achieve SMART goals about behavior, time maagemet, or school: Specific Measurable Attaiable Relevat Timely Establish a set time for homework every ight: 4 Tur off TVs ad cell phoes ad elimiate other distractios. 4 Help your child check his/her homework to be sure it is doe correctly. 1

4 Stay coected with school: 4 Atted paret-teacher cofereces ad use your school s iformatio system to stay iformed about your child s progress ad grades. 4 If you have questios, cotact your studet s teacher. 4 Ecourage your child to use a plaer or bider ad review it each ight to kow the upcomig assigmets. 4 Ask teachers or school couselors if your child is takig classes that will prepare him or her for college, ad if your child s test scores idicate that he or she will be ready for college. Ecourage your child to seek help: Learig whe ad how to get assistace is a importat skill for college ad life. It is better to get help early before a problem gets worse. 4 If you thik your child eeds extra help, ask a teacher or couselor about tutorig or other assistace available at the school. Start savig for college: There are may ways to make college affordable. Eve the smallest savigs add up if set aside regularly over a log period of time. 4 Explore settig up a Miesota College Savigs Pla ad other savigs ideas at 4 Complete a sample FAFSA (fiacial aid) form to get a estimate of the fiacial aid your child might receive. You ca fid oe at studetaid.ed.gov/fafsa/estimate or Estimator/firstQuestios.cfm. 4 Social security umbers are ot required to atted college, although they are required for all govermet fiacial aid. If o oe i your family has atteded college before: might be useful. 2

5 College Prep For The Middle School Years (Grades 6 through 8) Ecourage your child to take school seriously ad choose challegig classes: Middle school subjects are importat preparatio for high school classes. Explore a variety of career iterests: 4 Ask your child about activities that he or she ejoys, ad explore related careers. 4 Fid a way to coect your child s career dreams to attedig college. For example, if a child wats to be a professioal athlete or fashio desiger, metio that the road to those careers icludes college. 4 Visit kids.usa.gov/tees-home/idex.html or for fu websites to explore careers. 4 This iteractive tool, will help your child coect the cost of a desired lifestyle with college ad career optios. Develop academic habits of success: Developig orgaizatioal skills, learig how to get help from school staff, ad buildig positive relatioships are all key college skills to start developig i middle school. 4 Check your child s bider or plaer each ight. 4 Help your child build positive relatioships with peers who make good choices ad are developig good study habits. 4 Have your child take a learig-style self-assessmet (such as educatioplaer.org/studets/self-assessmets/ learig-styles.shtml) to idetify his or her best approaches to studyig ad learig. 3

6 Get ivolved i extracurricular activities: Colleges look for well-rouded studets who voluteer or are ivolved i school ad commuity activities. Activities are also a great way to get to kow other studets or adjust to a ew school. Explore fiacig college: Become familiar with iformatio o college costs, grats, loas ad scholarships. 4 Check out the Payig sectio at 4 Get a early estimate of the fiacial aid your child might receive by usig the plaig tools at studetaid.ed.gov/fafsa/estimate or Take the Explore test: The Explore test is good practice for the ACT college admissios exam that studets will take i 11 th grade. It provides feedback o whether studets are academically college ready i additio to givig iformatio about careers that may be good matches for your child. 4 Review test results with your child ad your child s teacher or couselor. Register for 9th grade: Ofte studets register for high school classes while still i 8 th grade. 4 Make sure your child registers for high-school classes that will keep him or her o track for college. Typical requiremets for a four-year college are: 3 years of math (four years recommeded) 4 years of Eglish 3 years of sciece (icludig biology ad chemistry) 2 years of foreig laguage 4 years of social studies 1 year of art (art icludes music) Although these classes may ot be required for a two-year commuity or techical college, they are good preparatio for all college studets. 4 Ecourage your child to take math, sciece, ad techology classes, because may of the jobs of the future are i these fields. 4

7 College Prep Durig High School Grade 9 Establish a set time for homework every ight: Tur off TVs ad cell phoes ad elimiate other distractios. Remember grades cout: Ofte studets thik grades i 9 th -grade classes do t cout for college admissios. Not oly do they cout, success i those classes is the foudatio for more challegig coursework later i high school. 4 If your school provides olie access to grades, track your studet s progress regularly. 4 If your studet is strugglig, cotact the teacher or couselor to fid additioal help. Do t wait util the ed of the semester. Get ivolved i extracurricular activities: Colleges look for wellrouded studets who voluteer, are employed, ad/or are ivolved i school activities. 4 Help your child get ivolved i a activity at school or i the commuity. 4 Keep homework a priority by helpig your child develop time maagemet skills. Register for 10th-grade classes: Registratio ca happe as early as Jauary. 4 Stay ivolved i the registratio process to make sure your studet is takig the recommeded classes to be prepared for college. Complete a College Fiacial Aid Calculator: This will give you a realistic estimate of how much your family is expected to cotribute to college costs. 4 Check out the FAFSA4caster at studetaid.ed.gov/fafsa/ to get a estimate of college expeses. 4 Ecourage your child to explore grat ad scholarship optios olie ad with their school couselor. 5

8 Grade 10 Take the PLAN ad/or PSAT tests: Use them as practice for the ACT ad SAT tests, ad to see how your child is progressig i academic readiess for college. Explore career iterests: Cotiue discussio with your child about activities he or she ejoys ad braistorm careers related to those iterests. Havig a career goal ca help studets be more motivated ad see the coectio with school. 4 Your child ca fid careers that fit his or her iterests by takig a iterest ivetory. Oe website that ca help is 4 School couselors ca discuss the type of college degree eeded for those careers. Cosider differet types of postsecodary optios: There s a wide rage of postsecodary optios, icludig two-year commuity colleges, fouryear colleges, ad techical college programs that ofte take fewer tha two years to complete. Commuity ad techical colleges are geerally less expesive tha four-year colleges; with good plaig, the credits ca trasfer to a four-year college. For some majors, it may be best to start at a four-year college because of a required sequece of classes. For example, a studet who trasfers from a commuity college ofte will eed three more years of study to complete a egieerig degree. 4 Discuss with your child which type of schoolig might be the right fit for the careers or areas of study that iterest them. 4 Some other factors iclude: diversity ad size of studet body; city size/locatio, ad average high school GPA for icomig freshma. Register for 11th-grade classes: Cosider tryig a class that offers college credit, such as Advaced Placemet, Iteratioal Baccalaureate, College i the Schools, Project Lead the Way, or PSEO optios. 4 Lear more at readysetgo.state.m.us/rsg/paret/idex.html. Two websites with good iformatio to help you explore ad choose colleges are bigfuture.collegeboard.org/college-search ad 6

9 Grade 11 Take the ACT or SAT: Most four-year colleges expect applicats to take the ACT or SAT exam i sprig. Test dates i April ad Jue are good because studets have completed most or all of their juior year classes. 4 Fid out which test your child s preferred college requires. 4 Register your child at least oe moth i advace. For dates ad registratio, see or sat.collegeboard.org/home. 4 Have your studet participate i ACT or SAT preparatio classes offered through schools ad commuity educatio programs. Atted college fairs ad visit campuses: Visitig colleges ad talkig to admissios staff are good ways to see if a campus is the right fit for your studet. 4 For iformatio o factors to cosider, review the Selectig sectio of 4 Cosider whether the college has majors (areas of study) that fit your child s iterests, as well as college size, locatio, ad cost. 4 Make appoitmets with a college s office of admissios for iformatio sessios ad tours. Cotiue plaig for fiacig college: Completig a sample FAFSA (fiacial aid) form will help you get a estimate of the expected family cotributio ad the fiacial aid your child might receive. 4 Explore the fiacial plaig tools ad sample FAFSA at studetaid.ed.gov/fafsa/estimate or Estimator/firstQuestios.cfm. 4 Talk to a school couselor with your child ad research scholarships olie. If your child plas to play a sport i college: Cotact your high school coach to ask about programs ad scholarships. 7

10 Register for 12th grade: Eglish, social studies, math ad/or sciece are importat subjects to cotiue i 12 th grade. For example, two-year commuity ad techical colleges have ope admissios, but studets take placemet tests. If studets are ot ready i math or laguage arts, they may have to take developmetal courses that do ot ear college credit but still charge tuitio. If he or she is eligible, eroll your studet i at least oe class that offers college credits such as Advaced Placemet, Iteratioal Baccalaureate, College i the Schools, Project Lead the Way, or PSEO. For more iformatio o these types of classes, see readysetgo.state.m.us/rsg/ Paret/idex.html. Most four-year colleges prefer studets who have take at least oe college-level course. College visits College visits are very importat to do before selectig a college. The summer after the juior year is a great time to visit. Liste for aswers to or ask the followig questios: Are there learig commuities where studets with similar iterest live i the same hall ad take classes together? What types of hoors courses are offered? What kids of academic support systems are available o campus? How much time do studets sped o homework each week? How much writig is expected? How much readig is expected? Do studets receive prompt feedback o academic performace? Do class discussios ad assigmets iclude diverse perspectives? Do studets ofte work together o projects? What kids of activities are studets ivolved i outside of the classroom? Whe ad how do studets iteract with other studets who have differig social, political, or religious views, or are from differig racial ad ethic backgrouds? How may studets study i other coutries? What percetage of studets do commuity service? How may studets live o campus? Are faculty members accessible ad supportive? Ca studets work o research projects with faculty? Do studets ad faculty members work together o committees or projects outside of course work? How does the college provide iformatio to parets? Is there a paret commuicatio program? 8

11 Grade 12 Avoid the seior slump : Colleges cosider the seior-year course load whe makig admissios decisios. I additio, seiors who skip math courses ca lose skills ad icrease the risk of eedig to take o-credit developmetal classes i college. Last chace for ACT ad SAT: 4 If your studet did ot take the ACT or SAT as a juior, register for the October tests at least oe moth i advace. 4 If your studet took the test i 11 th grade but did ot score as high as he/she expected, cosider re-takig the test. Determie applicatio deadlies: May four-year colleges have December deadlies. Others allow applicatios util Jauary, February, or eve Jue. Commuity colleges will accept studets util the start of school, but sometimes fill up earlier. Submit applicatios: Most applicatios are submitted olie. Some colleges use the Commo Applicatio, which ca be submitted to multiple colleges at oce. Some will require additioal applicatio materials. 4 Apply to at least three colleges: Match school: oe where the average GPA ad ACT/SAT scores for icomig first-year studets are about the same as your child s Stretch school: oe where the GPA ad test scores are a bit higher Safety school: oe where the scores are a little lower 4 If the applicatio requires recommedatio letters, make sure your child asks people to write letters at least three weeks before the due date, ad preferably early i fall. They ca ask couselors, teachers, employers, coaches or leaders from voluteer activities. 4 If a college your child applies to requires a essay, make sure your child has a teacher who ca review it. If ot, you should review it ad provide commets. Make sure your child revises the essay before submittig it. 4 Moitor applicatios to make sure all of the required documets are submitted. Check it out the summer before ad fall of seior year are great times to visit a college campus. 9

12 Complete a official fiacial aid form (FAFSA): 4 I Jauary, complete a official fiacial aid form at You ll wat to have your most recet icome tax forms ad your child s savigs iformatio hady. 4 Atted ay fiacial aid workshops offered by your school. At evets such as College Goal Suday, miesotacollegegoal.org, you ca get assistace i completig the FAFSA. Decide where to go: By April, most colleges will have made admissio decisios ad provided iformatio o fiacial aid. 4 Compare schools based o the actual cost your studet will have to pay after ay grats or scholarships offered by the college are subtracted from the full tuitio price. Cofirm erollmet: Follow the directios i the acceptace letter for the school your studet chooses. Ofte, a tuitio deposit must be set to the school i sprig. 4 Your studet should tell the school couselor the college he/she plas to atted, ad request that fial trascripts ad all college-credit exam scores be set there. 4 Fid out whe tuitio ad room ad board paymets are due. Colleges usually allow istallmet paymets, but you may have to ask for that optio. 4 Make sure your studet is readig ad respodig to all iformatio set by the college. If your child plas to play a sport i college: 4 Cotact your high school coach to ask about programs ad scholarships. 4 Register at the NCAA Eligibility Ceter, 10

13 Pla for college expeses: 4 Help your child prepare a budget for college. 4 Determie how much to sped o food, books ad supplies, ad etertaimet. 4 Most studets will eed debit cards. Make sure the bak you choose has a ATM machie close by campus. 4 A checkig accout is coveiet for the purchase of books ad other expeses. Most colleges will charge books to a studet s college accout, which is the paid by check, charge card, or olie paymets from bak accouts. Gettig to college ad movig i: You will be provided a specific move-i date, ad possibly time of day. 4 Air travel: Schedule flights i advace for the best prices. 4 Trai or bus: Fid out how much you ca take with you. You may be able to take a few boxes with you, which could save shippig costs. 4 Car: Residece halls will have specific directios for uloadig ad movig i. 11

14 Glossary ACT: A stadardized test used by may colleges as oe factor cosidered i admissios. All Miesota colleges will accept the ACT. A studet usually takes this test i witer or sprig of the juior year. Advaced Placemet (AP): AP classes are taught i high schools by high school teachers who are traied to use a specific college-level curriculum. Studets take a exam at the ed of the course ad may colleges will give academic credits to studets based o their exam scores. Commuity Colleges: Public colleges that provide two-year associate degrees. Studets who pla to cotiue their educatio at a four-year college should ask about the trasfer curriculum. College i the Schools (CIS): A program i which specially-traied high school teachers teach college courses i their ow school. Studets who successfully complete a CIS course receive academic credit from the college, ad grades are recorded o college trascripts. Explore: A stadardized test offered i 8 th or 9 th grade that is aliged with the ACT. The results provide iformatio about a studet s kowledge, skills, ad iterests, ad ca help assess whether a studet is o track for college readiess. Free Applicatio for Federal Studet Aid (FAFSA): This is the applicatio required by all colleges for studet loas ad grats. The applicatio requires iformatio about both paret ad studet icome ad assets, ad must be completed each year the studet is i college. It calculates the expected family cotributio. Fiacial Aid: Colleges will calculate fiacial aid based o the differece betwee the expected family cotributio ad the cost of attedig a particular college. Fiacial aid comes i may forms, icludig: 12 Pell Grats: Federal moey that does ot eed to be repaid, available to studets with the highest eed. State or college grats: Moey that does ot eed to be repaid. Tuitio waivers: A college may waive part or all of the tuitio based o a studet s talets or eed. Work study: O-campus jobs provided through the school. Loas: Moey that must be paid back, usually with iterest. Colleges ad private orgaizatios offer scholarships based o a wide rage of criteria that do ot eed to be repaid.

15 Iteratioal Baccalaureate (IB): IB classes are taught i high schools, by high school teachers who are traied to use a specific college-level curriculum. Studets take a exam at the ed of the course ad may colleges will give academic credit to studets based o their scores o the exam. It is similar to AP. PLAN: A stadardized test offered i fall of the 11 th grade that is aliged with the ACT ad ca help a studet prepare for the ACT. The results provide iformatio about a studet s kowledge, skills, ad iterests, ad ca help assess whether a studet is o track for college readiess. Postsecodary Erollmet Optios (PSEO): I Miesota, high-school juiors ad seiors (ad, i some cases, sophomores) ca take oe or more courses at a public college without payig tuitio ad ca ear college credit. Colleges have eligibility requiremets based o class rak or test scores, so studets should check with their school couselors to explore optios. Project Lead the Way (PLTW): Project Lead the Way classes provide hads-o, project-based, challegig egieerig courses i high school, taught by high school teachers. PSAT: A stadardized test offered i 11 th grade that is aliged with the SAT ad ca help a studet prepare for the SAT. The results provide iformatio about a studet s kowledge, skills, ad iterests, ad ca help assess whether a studet is o track for college readiess. ReadiStep: A stadardized test offered i 8 th or 9 th grade that is aliged with the SAT. The results provide iformatio about a studet s kowledge, skills, ad iterests, ad ca help assess whether a studet is o track for college readiess. SAT: A stadardized test used by may colleges, particularly colleges with highly competitive admissios, as oe factor cosidered i admissios. A studet usually takes this test i the witer or sprig of their juior year. Techical College: Public colleges that provide specific traiig that usually requires fewer tha two years to achieve a diploma or certificate. 13

16 Produced by the Uiversity of Miesota College Readiess Cosortium i partership with the Uiversity YMCA Multicultural Achievers. The College Readiess Cosortium works i partership with PreK-12 educators ad others to icrease the umber ad diversity of Miesota studets who graduate from high school with the kowledge, skills ad habits for success i higher educatio. The YMCA Multicultural Achievers is a high school ad juior high school program that helps Africa America, Hispaic ad Latio studets set ad obtai high educatioal ad career goals. The Uiversity of Miesota is a equal opportuity educator ad employer. This publicatio is available i alterative formats upo request. Direct requests to College Readiess Cosortium, Prited o recycled ad recyclable paper with at least 10% postcosumer material. Produced

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.

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. 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. 1. Thik Thik about yourself ad your college eeds Do you start thigs

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 for Adult Students

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

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

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

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

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 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

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

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

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

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

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

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

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

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

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

Initial Teacher Training Programmes

Initial Teacher Training Programmes POSTGRADUATE STUDY AND RESEARCH Iitial Teacher Traiig Programmes Whatever your ambitios withi the teachig professio, completig your Iitial Teacher Traiig (ITT) at Liverpool Joh Moores Uiversity (LJMU)

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

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

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

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 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

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

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

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

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

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

How To Get A Kukandruk Studetfiace

How To Get A Kukandruk Studetfiace 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

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

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

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

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

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

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

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

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

How To Get A Degree From Regis College

How To Get A Degree From Regis College 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

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

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

Chapter 7: Confidence Interval and Sample Size

Chapter 7: Confidence Interval and Sample Size Chapter 7: Cofidece Iterval ad Sample Size Learig Objectives Upo successful completio of Chapter 7, you will be able to: Fid the cofidece iterval for the mea, proportio, ad variace. Determie the miimum

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

How To Get A Degree From Community College Of Denver

How To Get A Degree From Community College Of Denver 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

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

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

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

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

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

leasing Solutions We make your Business our Business

leasing Solutions We make your Business our Business if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca

More information

School of Sport, Exercise and Health Sciences

School of Sport, Exercise and Health Sciences School of Sport, Exercise ad Health Scieces 3 lie title bad height 49.5mm Employers Guide to Placemets Departmet title xxxxx Secodary title xxxxx 2 lie title bad height 37mm www.lboro.ac.uk School of Sport,

More information

Domain 1: Designing a SQL Server Instance and a Database Solution

Domain 1: Designing a SQL Server Instance and a Database Solution Maual SQL Server 2008 Desig, Optimize ad Maitai (70-450) 1-800-418-6789 Domai 1: Desigig a SQL Server Istace ad a Database Solutio Desigig for CPU, Memory ad Storage Capacity Requiremets Whe desigig a

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

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

The personal and the political in social psychology. www.bps.org.uk/social2014

The personal and the political in social psychology. www.bps.org.uk/social2014 Social Psychology Sectio 2014 Aual Coferece 9 11 September, Caterbury Christ Church Uiversity The persoal ad the political i social psychology Sposorship & Exhibitio Brochure www.bps.org.uk/social2014

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

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

How To Get A Degree In Olie

How To Get A Degree In Olie ONLINE DEGREES & COURSES Your path to GRADUATION & CAREER SUCCESS www.rodp.org A Teessee Board of Regets Olie Educatio Iitiative Table of Cotets 3 Collaborative at a Glace 4 Accreditatio 5 Commuity College

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

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

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

GRADUATE PROGRAMS Student Focused Globally Connected

GRADUATE PROGRAMS Student Focused Globally Connected GRADUATE PROGRAMS Studet Focused Globally Coected Brig Your Purpose. Fid Your Path. Havig served at Regis for over twety-five years, I have see our graduate programs grow by leaps ad bouds i size, i scope,

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

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

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

How To Live At Home

How To Live At Home 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

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

Right from the Start Video Series

Right from the Start Video Series Right from the Start Video Series Usig Video as a Tool for Egagemet ad Commuity Actio Plaig ad Screeig Guide www.ctrightfromthestart.org Right From the Start Video Series Plaig ad Screeig Guide 1 Right

More information

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance? Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい 8-4-2 (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

How to set up your GMC Online account

How to set up your GMC Online account How to set up your GMC Olie accout Mai title Itroductio GMC Olie is a secure part of our website that allows you to maage your registratio with us. Over 100,000 doctors already use GMC Olie. We wat every

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

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

I. Why is there a time value to money (TVM)?

I. Why is there a time value to money (TVM)? Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios

More information

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT INSPIRE TRANSFORM CONNECT FOCUS 2015 STRATEGIC PLAN PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE FOCUS 2015 is our refreshed strategic pla that builds o ad stregthes

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

The Canadian Council of Professional Engineers

The Canadian Council of Professional Engineers The Caadia Coucil of Professioal Egieers Providig leadership which advaces the quality of life through the creative, resposible ad progressive applicatio of egieerig priciples i a global cotext Egieerig

More information

Assessment of the Board

Assessment of the Board Audit Committee Istitute Sposored by KPMG Assessmet of the Board Whe usig a facilitator, care eeds to be take if the idividual is i some way coflicted due to the closeess of their relatioship with the

More information

Undergraduate Degree Programs

Undergraduate Degree Programs Udergraduate Degree Programs This sectio of the 2014-2015 Catalog provides details o Walsh College udergraduate degree programs ad the requiremets of all bachelor s degree studets, icludig professioal

More information

CCH Accountants Starter Pack

CCH Accountants Starter Pack CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice

More information

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know _ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Kow ^=mi^`b=ql=`^ii=eljbk=^=mi^`b=lc=vlro=ltkk You ve made Caada your ew home ad ow you re lookig for a place of your ow. Buyig a house is a excitig

More information

School Direct with LJMU Initial Teacher Training Partnerships

School Direct with LJMU Initial Teacher Training Partnerships POSTGRADUATE STUDY AND RESEARCH School Direct with LJMU Iitial Teacher Traiig Parterships Whatever your ambitios i the teachig professio, completig your Iitial Teacher Traiig at Liverpool Joh Moores Uiversity

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 Graduate Studies at FDU Graduate Admissio Applicatio Metropolita Campus Teaeck, NJ Madiso, NJ TO APPLY ONLINE OR TO DOWNLOAD A PAPER APPLICATION, GO TO fdu.edu/apply AND CLICK APPLY NOW. thak you for your

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

Counselor Guide Bring Your Purpose. Find Your Path.

Counselor Guide Bring Your Purpose. Find Your Path. Couselor Guide Brig Your Purpose. Fid Your Path. Brig Your Purpose. Fid Your Path. Regis College is a co-ed, Catholic istitutio that was fouded i 1927. For over eight decades the College has prided itself

More information

INTERNATIONAL BUSINESS PLAN EVENT 2015

INTERNATIONAL BUSINESS PLAN EVENT 2015 INTERNATIONAL BUSINESS PLAN EVENT 2015 The Iteratioal Busiess Pla Evet ivolves the developmet of a proposal to start a ew busiess veture i a iteratioal settig, a aalysis of the iteratioal busiess situatio,

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

Commercial Real Estate Women Network

Commercial Real Estate Women Network Commercial Real Estate Wome Network About CREW Network Fouded i 1989, CREW Network is the idustry s premier busiess etworkig orgaizatio dedicated to ifluecig the success of the commercial real estate idustry

More information

COACHING EDUCATION PROGRAM REQUIREMENTS

COACHING EDUCATION PROGRAM REQUIREMENTS COACHING EDUCATION PROGRAM REQUIREMENTS A. COACH REGISTRATION All ice hockey coaches as well as istructors of USA Hockey programs shall be registered for the curret seaso (before the start of the seaso)

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

INDEPENDENT BUSINESS PLAN EVENT 2016

INDEPENDENT BUSINESS PLAN EVENT 2016 INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet

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

Agency Relationship Optimizer

Agency Relationship Optimizer Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey

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

Grade 11 Promotions (30S) A Course for Independent Study

Grade 11 Promotions (30S) A Course for Independent Study Grade 11 Promotios (30S) A Course for Idepedet Study G r a d E 1 1 P r o M o t i o s ( 3 0 s ) a Course for idepedet study 2012 Maitoba Educatio Maitoba Educatio Cataloguig i Publicatio Data Grade 11

More information

COMPARISON SHOPPING. 7 Store brands or generic brands usually cost. less than name or national brands. 7 Generic brand foods are safe and good for

COMPARISON SHOPPING. 7 Store brands or generic brands usually cost. less than name or national brands. 7 Generic brand foods are safe and good for COMPARISON SHOPPING Makig smart buys at the grocery store is as easy as learig a few shoppig skills ad makig smart decisios. Before buyig a item, thik about price, coveiece, utritioal value, how you will

More information

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value Cocept 9: Preset Value Is the value of a dollar received today the same as received a year from today? A dollar today is worth more tha a dollar tomorrow because of iflatio, opportuity cost, ad risk Brigig

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

Lesson Plans for Teachers

Lesson Plans for Teachers Lesso Plas for Teachers Kidergarte - Grade 3 Copyright 2012 by Little Pickle Press LLC Table of Cotets Quite uique! Streeeetch ad grooow... Overview 3 Activity Set 1 What Is a Brai ad What Does It Do?

More information