Sunday, December 30, 2012

Student Aid Report: Read it and Weep - How Will I Pay for College?

How quickly you receive the SAR depends on how you filed your FAFSA. If you file a paper FAFSA, it may take 2-3 weeks, or more. If you file electronically through the Department of Education website, your SAR can be available in 3 to 10 days. However, if you do not receive your SAR within 4 weeks, ?you should call the Federal Student Aid Information Center at 1-800-4-FED-AID or 1-319-337-5665. ?They will ask for some identification information (Social Security number, date of birth, etc), and then they will let you know if your FAFSA has been processed. You can also write to the?Federal Student Aid Information Center?for the status of your FAFSA at:

Federal Student Aid Programs

Washington, DC 52243-4038

The SAR will summarize the information on the FAFSA, and tell ?you how much Pell Grant money you qualify for, your calculated Expected Family Contribution (EFC), as well as a summary of any outstanding loans. Note also that the SAR will contain a Data Release Number (DRN), a four-digit reference number that you will need if you want to send the SAR to additional schools that you did not include when you filed your FAFSA. Students should keep a copy of their SAR in their college folder (you did start a folder, didn't you?).

If you review your SAR and find a mistake, you will need to correct or update your FAFSA. ?You can ?make changes to the FAFSA in one of three different ways:
  • Online FAFSA Corrections?You can go to the FAFSA website and make online corrections by selecting "Make FAFSA Corrections" after logging in. This is the fastest way to update your application, and highly recommended. You will need the student PIN you received when initially registering at the FAFSA website.?If the student is a dependent, a parent PIN is required as well.?You can correct anything on the application except for the student's Social Security Number (SSN). If you made a mistake in reporting your SSN, ask the financial aid office at the school you plan to attend whether you should start over again and submit a new FAFSA.?The financial aid office might be able to make other changes for you electronically, as well.?
  • Paper FAFSA Corrections?Write the corrections or changes directly on your paper SAR, sign it, and mail it to the address provided on the SAR (keep a copy in your folder, remember?)
  • Phone FAFSA Corrections You can add a school to your FAFSA by calling the Federal Student Aid Information Center at 1-800-433-3243. You will need to provide your DRN, which is found both on your SAR and online on the FAFSA website.
After your target schools receive your SAR and prepare your financial aid package, they will send an award letter to you (which you will keep in your folder). This Financial Aid Award Notice can be confusing (perhaps even misleading), though the Department of Education is attempting to clarify and standardize this (see the second paragraph of this post).?

After you receive all of your financial aid notices, you can follow these steps to figure out your ?net cost for each school on a comparable basis, to see which school is most affordable for you.
  • First, find the total cost of attendance for your program on the aid letter (you may need to?ask the financial aid office of that school if it is not clearly listed in the letter). Be ?sure it includes what you pay directly to the school (tuition, room & board, and fees) as well as other costs (living expenses, books & supplies, and transportation).
  • Next, subtract the grant and scholarship amounts (Pell Grants, FSEOG, school grants/scholarships, etc) on your aid offer from the cost of attendance. This is free money that does not have to be repaid, and reduces your tuition directly. Also subtract any savings you have available to put toward your school costs for the upcoming school year (either a 529 plan or other savings). The remaining amount is your net out-of-pocket cost.
  • Finally, compare the net costs for all of the schools you are considering. The net cost is the amount you will have to pay out of your pocket, using earnings from work or from student loans that you will need to apply for (or perhaps from your crowdfunding efforts!)


While all of this government paperwork might remind of filing your income taxes, I highly recommend that you do not hire one of the organizations that offer to fill out your FAFSA (or help you to fill it out). The questions are really quite simple (though some terms and acronyms can slow you down), and many won't apply to you. Just take your time, get educated, and read the paperwork carefully, and you can get through this in no time.

Source: http://www.howwillipayforcollege.com/2012/12/student-aid-report-read-it-and-weep.html

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Resolution on sharing family history ? more 'kindling,' less 'swamping'

Any genealogist will tell you that one of the most rewarding things that can happen is for one of your family members to show an interest in your shared ancestry.

Before my niece, Stephanie Taylor, married Andrew Zimmerman, she told me that she would like to have as a wedding gift a one-page pedigree chart for each of them that could be framed and hung on their wall.

I was so touched to have her make this request, and arranged to have the framed charts compiled, wrapped and placed under the Christmas tree this year at my sister?s house to surprise the young couple.

Did I mention that Stephanie and Andy were married in October? That?s October ? last year.

Now that I?ve done the project, framed it and actually given it to the young couple, you can guess what my message for the new year is about sharing family history:

Don?t wait.

Whether your genealogy is in a computer or handwritten on sheets of paper, it?s not a big deal to make copies and put them in a simple three-ring binder for the intended relative. This makes updating easy because you can just give out updated pages as they are ready.

But don?t overlook the value ? and fun ? in sharing just a page of your pedigree.

In my early days of genealogical research, I often overwhelmed my dad and other relatives by trying to communicate everything I?d found about the family all at once.

What works better, of course, is sharing information on your heritage in manageable bites. My uncle Roddy Moore once asked for information on our Bennetts, as he and my dad and their siblings were very close to their Bennett grandparents, who were in fact, both Bennetts. I focused on what he wanted to know.

What I realized while doing the recent project for my niece is that a one-page pedigree chart, even if it reaches back only three generations, can represent a good amount of heritage. Moreover, confining the information to one page communicates in a simple way that can be understood.

The pedigree chart for my niece encompasses all eight of her great-grandparents ? Taylor, Willis, Marble, Osberg, Moore, Bennett, Steeves and Roberts. The Osbergs were from Sweden, and the early Steeves ancestors from Wurtemburg, Germany.

Her husband?s great-grandparents have surnames Zimmerman, Andrews, Atkinson, Soper, Higgins, Farmer, Hanson and Strout. Zimmerman is a German name. (Broadway and film star Ethel Merman was born Ethel Agnes Zimmerman.)

I printed off the pedigree charts on my Family Treemaker program and framed them. I also printed off an extra copy of each one for Stephanie and Andy?s parents: Scott and Maureen (Moore) Taylor and Ralph and Joyce (Higgins) Zimmerman.

When I find new information to add to the charts, or if Stephanie and Andy learn new things from their families, I can easily print off updated charts for them to use to replace the ones hanging on their wall.

Now that I?ve completed these first one-page projects, I can think of other relatives who would appreciate having the same thing for their home, even one family that already has a notebook I did with several charts in it.

After 35 years of research, all it took was one special niece to help me think in terms of kindling the family?s interest in genealogy, rather than swamping them with information.

Thanks, Stephanie Taylor Zimmerman.

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The national anthem is a difficult song to sing, requiring a range of voice I would never expect in youngsters.

So it is a pleasure to offer an ?A-plus? to three young ladies, approximately the age of fifth-graders, who gave their best during the Veterans Day dedication of the Bangor World War II Memorial at Cole Land Transportation Museum.

Emily Mock, Rachael Kiah and Ceci Doering stood up on the bench where they had been sitting and treated some 200 in attendance to one wonderful performance of ?The Star-Spangled Banner.?

It was more than a treat ? it was a blessing. It also was a worthy tribute to the memory of 112 Bangor veterans killed during World War II.

For information on researching family history in Maine, see Genealogy Resources under Family Ties at bangordailynews.com/browse/family-ties. Send genealogy queries to Family Ties, Bangor Daily News, P.O. Box 1329, Bangor 04402, or email familyti@bangordailynews.com.

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Source: http://bangordailynews.com/2012/12/29/living/resolution-on-sharing-family-history-more-kindling-less-swamping/

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Saturday, December 29, 2012

Video: Options Action: Time to Buy Protection?

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Source: http://video.msnbc.msn.com/cnbc/50314414/

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Spicy Food Has Many Benefits - www.be-fit.me

Warm food such as beef, lamb, eel, octopus, it is best to put less chili while cooking, pepper and other spicy ingredients. If you have already added, you can then add some cool ingredients to make up for, such as white radish, seaweed, mung bean, lily.

For example, eat spicy in the fall is easy yin deficiency and heat, be sure to drink plenty of water and light soup when you eating spicy food. If you want to drink soup, add some vinegar, choose to drink hot and sour soup, so animate the effect of body fluid to reduce the side effects of eating spicy.

chili

Spicy food with some moist creatinine fruits and vegetables, such as hawthorn, pomegranate, grapefruit, citrus, apples, pears, etc, which contains tannic acid, organic acids, cellulose and other substances, can increase the secretion of digestive juice to help eat chili people to nourish yin, wherein the most suitable is hawthorn. If you are eating outside, you can order some bean soup, chrysanthemum tea and seaweed soup adorned, or choose cool fruit juice into fresh juice. In addition, the milk is also the best food to alleviate the piquancy, and its nature is peace, will not be formed the conflict with pepper.

spices1

Spicy food, including chili, pepper, green onions, garlic, mustard, ginger and so on, they can stimulate people?s appetite, promote gastrointestinal peristalsis, enhance the secretion of digestive juice to improve the activity of amylase. Also can accelerate blood circulation and metabolism, so have the function of curing cold, dredge meridians. People who easy to catch cold, moderate eating ginger, scallion stalk, basil and other foods; due to the cold gathered in the stomach, often cause stomach pain, abdominal pain, or dysmenorrhea, moderate eating chili, fennel, Piper dial, Amomum, cinnamon etc, have the effect of get rid of cold, relieve pain.

Chili has dry peppers, fresh peppers, pickled peppers and other species, nutritionists recommend that it is better to eat fresh chili, because the nutrients are more abundant. In addition, the chili is best to cook. Health pepper contains capsaicin, may cause irritation of the mouth and gastrointestinal tract. After heating, the gastrointestinal irritation will be reduced.

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A magical effect of pepper is that you can burn fat, because peppers contain capsaicin, which can through the dilation of blood vessels to stimulate the body heat system, speed up metabolism, so the body?s calorie consumption is faster, excess fat can be burned. Therefore, appropriately eating spicy food has the slimming effect.

Spicy food can not be addicted. The right amount of spicy food has many benefits, but too much spicy food with large stimulation, excessive consumption will have a negative impact in the entire digestive system, and even cause cancer. In addition, spicy food is only suitable for physical deficiency, heat body is not suitable to eat. In addition, people with stomach ulcers, hemorrhoids, gastrointestinal disorders, as well as suffering from tuberculosis, erysipelas, herpes zoster patients must be taboo eating spicy foods.

Source: http://www.be-fit.me/spicy-food-has-many-benefits-1505/

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