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Know more about- college scholarships, grants, fellowships, loans and financial

Different financial aids for college education

This is my new article on scholarships. In the last article we saw how to get Free College Scholarship? The potential of winning a free college scholarship should be attainable for anyone who has the motivation to attend college, but needs financial aid.

Read this blog to know more about different money getting stream for college education.

What is a scholarship?

Scholarships are funds used to pay for higher education that do not have to be repaid to the provider. Scholarships may be awarded based on any number of criteria including academics, achievements, hobbies, and talents, affiliations with various groups or career aspirations. They are available from federal and state governments, large corporations, local businesses, professional organizations, universities and individuals and each has its own requirements applicants must adhere to to be eligible for the award. Our scholarship search can match you with the scholarships for which you best qualify and have the best chance of winning.

How is a scholarship different from a grant?

Though the terms "scholarship" and "grant" are often used interchangeably, there are a few difference between them. They are both free money in that you never have to repay but in the majority of cases, scholarships are awarded to students who are planning to attend or are already enrolled in some form of postsecondary education. Awardees are often required to maintain specific grade point averages, participate in certain activities or take a certain amount of credits per semester to remain eligible for the scholarships they earned initially; failure to adhere to these guidelines could result in suspension or cancellation of the funding. Grant recipients, however, do not necessarily have to be attending or planning on attending college: They often need the funds to finance research projects (recipients are expected to create proposals and update the donors regularly to maintain funding) or, if they are entrepreneurs or victims of natural disasters, require capital to help start or rebuild their lives.

How is a scholarship different from a fellowship?

Like scholarships, fellowships are considered gift aid and do not have to be repaid but they are typically only available for graduate students to help support their educations. Some fellowships include tuition waivers or payments to universities in lieu of tuition but most include a stipend to cover reasonable living expenses.

How do scholarships differ from loans?

The main difference between scholarships and loans is that while scholarships do not require repayment, loans do...with interest. Loans are awarded federally (Stafford, Perkins and PLUS) as well as privately (through banks and other lenders like Sallie Mae) and can be either subsidized (no payments must be made while in school) or unsubsidized (payments must be made while in school).

Will winning a scholarship impact my financial aid package?

It may. The government takes student awards into consideration when offering aid. However, students should not be deterred by this. The effects are not likely to be great. Many schools use student money to offset loan eligibility, not grant awards. Students who receive little aid can benefit greatly from scholarships. Contrary to beliefs of certain celebrities, more money equals fewer problems.

If I’m not eligible for financial aid, can I still receive a scholarship?

Yes, there are plenty of scholarships that aren’t based on financial need. Play to your strengths: If you have a high GPA, apply for academic scholarships, if you’re a great writer, apply for essay and poetry scholarships, if you’re creative, apply for art and design scholarships...the list goes on and on. You could have your entire tuition covered by scholarships if you do your due diligence, which means you’ll graduate with zero student loan debt.

 

Why should I apply for scholarships?

The real question here is why shouldn’t you apply for scholarships? A scholarship is free money for college, money you don’t have to worry about paying back so you can spend more time on your classes. You’re being awarded money for college for something you’re already good at – whether it’s your grades, athleticism, creative ability or tech savvy – so why not take advantage of it? So many students don’t want to apply for scholarships because they don’t think they stand a chance of winning but in reality, applying for scholarships that match your specific criteria (like the ones our scholarship search will match you with) increases the odds of receiving a scholarship award exponentially. Scholarships can paired with all kinds of financial aid to cover the cost of books, supplies, room and board, even entire tuitions but you will never know if that’s possible unless you apply.

What are the odds of winning a scholarship?

It depends on the scholarship you’re applying for. National scholarships will obviously have larger applicant pools than state- or major-specific scholarships but they are all judged on specific sets of requirements. If you follow the criteria, you will have a better chance of winning than someone who doesn’t; the same goes for students who observe deadlines versus students who submit their applications late. You won’t win a scholarship because of who you know; you’ll earn it based on how well you follow directions and the caliber of your responses.

Can I win multiple scholarships?

Yes, but typically not from the same scholarship provider during the same award year. If you’re applying to more than one scholarship, though, be sure to keep your applications and their unique requirements organized: Sending the wrong materials to the wrong scholarship committee can guarantee you won’t be receiving those funds for college.

Am I still eligible for scholarships if I am not a full-time student?

This varies from scholarship to scholarship. Some awards require students to be in school full-time, others are valid for students attending part-time and others are offered specifically to individuals who aren’t currently enrolled but plan to return to school in some capacity during the next semester.

 

Can I win scholarships if I attend an online school?

This depends on the school and scholarship provider. A great place to start your search is Scholarships.com, where our scholarship search presents awards meeting your exact criteria, or contact your school directly and inquire about scholarship opportunities available only to students (this smaller applicant pool will increase your odds of receiving the award).

 

Where can I find scholarships?

You’ve already found your way to Scholarships.com, where you can fill out a profile and have access to the 2.7 million scholarship awards in our database, so that’s a great start! For additional awards, speak to your guidance counselor, financial aid officer, volunteer coordinator, coach, employer or parents’ employers. Scholarships are distributed by large corporations like Google and local businesses alike – the latter of which you may have a better chance of winning since the recipient will be drawn from a smaller applicant pool.

I’m not a strong writer. Will I have to write an essay for every scholarship I’m applying to?

While the majority of scholarship application processes entail some kind of essay to assess applicants’ writing skills, not all providers require one. Keep in mind that scholarships that do not require essays can be more competitive or have additional guidelines to ensure the right students apply. If you’re having difficulty finding an essay-free scholarship, peruse our "Scholarships by Type" section for easy scholarships or increasingly popular video scholarships, where applicants produce short multimedia pieces instead of writing traditional essays.

Who should I ask to write me a letter of recommendation to accompany my scholarship application and when should I ask them?

Teachers, coaches, employers or volunteer supervisors are all excellent choices to pen recommendation letters because they can detail your strengths and achievements in ways that appeal to scholarship committees. Do not ask parents, relatives or friends close to your own age because even though they may know you better personally, these references will carry less weight than a professional source. As for when you should request their assistance, do so well before the application deadline. Chances are your letter isn’t the only one they’ll be writing so asking in a timely manner is not only appreciated but will likely yield a more thoughtful finished product.

When should I start applying for scholarships?

The sooner the better, of course! Eligibility requirements vary between awards – you must be a high school senior, you must be a college sophomore majoring in computer science, you must be under the age of 30, etc. – but one thing is for sure: You won’t receive a scholarship if you miss the deadline. Make sure your application packet is complete at least two weeks before the deadline; this way, if it gets lost in the mail or the website crashes, you will have enough time to resubmit your materials.

My schedule is packed. Can my parents apply for scholarships for me?

Your parents can certainly help you throughout the process but since you are the one the scholarship will be awarded to, you must be the one to fill out the application, write the essay, complete necessary supplements and sign the appropriate forms. Your parents can assist you in securing your transcripts and even stamping your envelope but if it’s determined that they did the bulk of the work for you, you will be ineligible to receive the award.

I have a question about the application process/award/requirements. Is it ok to contact the scholarship provider directly?

This should be detailed in the scholarship’s rules, regulations and guidelines. The scholarship provider may have the answer to your question but if they have a strict "no call" or "no e-mail" policy, don’t call or e-mail. Instead, speak to your guidance counselor or financial aid officer; they’ve probably encountered the same questions in past years and will be able to give you an answer...or point you in the right direction toward one.

 

Will I have to pay an application fee?

Scholarships.com does not list any scholarships that require any sort of application fee but there are some scholarships out there that might. It’s ultimately your decision whether or not you want to apply for a scholarship that charges you to do but use your best judgment: If the scholarship is for $500 and you must pay a $100 fee to submit your application, is the now-$400 award (which you aren’t even guaranteed to win) worth it to you?

 

How do I know if I’ve won a scholarship?

Someone from the scholarship committee should contact you directly via phone, e-mail or snail mail by a specific date so it’s essential to make yourself available as that time draws closer. The funds will then be sent to you or the school you will be attending during the next semester. If someone from a third-party organization claims they need personal information (Social Security number, bank account numbers, etc.) to complete the award process, it could be a scam; get as much information about the solicitor as possible without divulging your details and contact the scholarship provider directly to determine your next step.

 

Will I have to reapply for this award each year I’m in school, like the FAFSA?

Scholarships usually come in three varieties: one-time, renewable and renewable with stipulations. One-time awards are granted – you guessed it – only once while renewable scholarships are granted each year. Some are dispensed automatically each year after the initial award but most renewable awards call for the recipient to reapply or provide transcripts and progress reports to ensure they are still meeting the guidelines set by the scholarship committee. If you were awarded for your stellar grades or athletic achievement, a low GPA or nonparticipation on a university team could call for your award to be discontinued so check with your scholarship provider to determine what kind of award yours is and what you need to do to keep the funding coming.

No Job or no money -Still you can give good gift to your beloved Mother

Mother Day free and nice gift ideas

As Mother Day is approaching very fast and we all are thinking about what should we give to her on May 14, 2017. In this article you will find some cool ideas to give your mother a free gift.


I want to dedicate this blog to my mother. Without her advice and help my life could have been ruined as I lost my father when I was very young. My mother helped in all areas of life When I was small I have hard time waking up in morning for my studies. She usually wakes me up at same time she does home chores in the morning times.



M is for the many things she gives me.

O means only that she's soft to talk.

T for the things she tries to teach me.

H Helps fix mistakes I made

E Every time I am sad she tries to make me cheer up

R means reason what I am.



Here are some free gifts that you can give your Mom that are from the heart. These are the kind of Mother's Day gifts that she will treasure for many years. Here is some free gift ideas for our beloved mother:

1.Just a Phone Call

I think it is good to call her on mother days to wish her good health and long life. I usually call her every week so on mother days I have same routine.

2. Few Flowers

Dig a hole for bulb and flower in mother’s Garden. Plant them in places in the yard where she can access easily for watering. Last year I bought her tulip bulb, now she enjoys them every spring time. Also in 2008 I also made her homemade bouquet of roses.

 

3. Free Email card on mother days

Send her free email cards with personalized messages:



-God send us angels in our mothers to watch us because he can't be everywhere at the same time.

-Hi to all mother's in the world. We are grateful to have you. You are the best of all moms.

-I just want to say how much wonderful you are. You have shown me your love right from my birth.

-I thank god for having such a mom like you. You are just not like the other moms. I love you mom.

-My mom is so sweet, she is gentle and kind and work by using her mind my mother is charming.

-Your loving nature and your kind words will always flow through me like a gentle flower.

-Hey mom love you loads and appreciate all you do. Please keep on being the best in my life.

-Mom you are beautiful. Mom you are everything to me. Mom mom mom mom MOM!

-Mom you are my life, you are my heart. You are the best mom in the world.

-Thank you for the Love, Care, Guidance and Affection.

-You have enriched my life. I don't think I can Thank You enough. I Am So Grateful To You.

-I thank God who blessed me with such a wonderful Mother. I always pray GOD to keep her Happy.

-Roses are red and blue, Oh my momma I love you too.

-You listen to our dreams, you listen to our hopes, you feel our fears, you are best.

-You gave me the gift of life. All I can do is to show how much love I can return you all my life.

-My ever loving mom you are the greatest woman I've ever met. So please be my mom forever!

-There isn't a day that you aren't special to me mom. Happy Mother's Day. I love you.

4. Cooking  and  some Cleaning

My mother likes to eat fresh vegetable rice. So on mother day I always cook this dish for her. After eating make sure you clean the dishes too. Every year I feel happy that at least one day in year I get chance to cook for her. So I suggest to all my friends do this for your mom or wife.

5. Spring cleaning the house

Give her a day in a weekend that you spend many hours doing a great spring cleaning of her house for her. This is a free Mother's Day gift that she will surely appreciate.

6. Watch some old family videos/DVD

Set aside a night to watch with your mother old family videos/DVD. This way we will all remember our past time.

7. Some Shopping Help

Take your Mom for grocery or other shopping. After shopping make sure you put away things in proper places.

8. Change all batteries

Any electronics stuff needs batteries. Please replace them every year. (E.g. Clocks, alarms, CO monitors, fire alarms etc.)

9. Family Event

Make a mother day as family event. Take your kids to spend time with grandma. She will always appreciate as our family spends time with her.

10. Publish a Mother's photo blog

Publish a new website about your mother

11. Homemade bouquet

Create a homemade bouquet of roses/flowers. Present this before dinner.

12. Mom’s TV Time

Let the mother watch his favorite programs. Enjoy the TV programs with her.



If you know some more ideas please add to this blog…

Free and New GMAT Practice Test Sample Questions and answers

GMAT Practice Test Sample Questions and answers

 

GMAT Practice Test

After getting good response on Wonderlic Practice Test Sample Questions blog from my blog readers I want to write this blog for GMAT preparation. In the first blog we saw how to prepare for GMAT. I will publish GMAT questions in this article. You can find all answer in the end..

Part 1-GMAT Quantitative

A Problem-solving

Solve these problems and indicate the best of the answer choices given. All

Numbers used are real numbers.

Question 1

If a = 3 and b = -2, what is the value of a2 + 3ab – b2?

A. 5

B. -13

C. -4

D. -20

E. 13

Question 2

34 is what percent of 80?

A. 34%

B. 40%

C. 42.5%

D. 44.5%

E. 52%

Question 3

Jack and Kevin play in a basketball game. If the ratio of points scored by

Jack to points scored by Kevin is 4 to 3, which of the following could NOT be the total number of points scored by the two boys?

A. 7

B. 14

C. 16

D. 28

E. 35

Question 4

Factor the following expression: x2 + x – 12

A. (x – 4) (x + 4)

B. (x – 2) (x + 6)

C. (x + 6) (x – 2)

D. (x – 4) (x + 3)

E. (x + 4) (x – 3)

Question 5

The average of six numbers is 4. If the average of two of those numbers is 2, what is the average of the other four numbers?

A. 5

B. 6

C. 7

D. 8


E. 9

Question 6

What is the next-highest prime number after 67?

A. 68

B. 69

C. 71

D. 73

E. 76

Question 7

Solve: 0.25 x 0.03 =

A. 75

B. 0.075

C. 0.75

D. 0.0075

E. 7.5

Question 8

Dean’s Department Store reduces the price of a $30 shirt by 20%, but later raises it again by 20% of the sale price. What is the final price of the shirt?

A. $24.40

B. $32

C. $30

D. $28.80

E. $26.60

Question 9

How many 3-inch segments can a 4.5-yard line be divided into?

A. 15

B. 45

C. 54

D. 64

E. 84



Question 10

Sheila, Janice, and Karen, working together at the same rate, can complete a job in 3 1/3 days. Working at the same rate, how much of the job could Janice and Karen do in one day?

A. 1/5

B. 1/4

C. 1/3

D. 1/9

E. 1/8

Question 11

Dave can deliver four newspapers every minute. At this rate, how many newspapers can he deliver in 2 hours?

A. 80

B. 160

C. 320

D. 400

E. 480

Question 12

46 ÷ 28 =

A. 2

B. 8

C. 16

D. 32

E. 64

Question 13

What is 20% of 12/5, expressed as a percentage?

A. 48%

B. 65%

C. 72%

D. 76%

E. 84%

Question 14

Archie’s gas tank is 1/3 full. If Archie adds 3 gallons of gas to the tank, it will be ½ full. What is the capacity in gallons of Archie’s tank?

A. 28

B. 12

C. 20

D. 16

E. 18

Data sufficiency

This Data Sufficiency problem consists of a question and two statements, labeled (1) and (2), in which certain data are given. You have to decide whether the data given in the statements are sufficient for answering the question, using only the data given in the statements and your knowledge of mathematics and everyday facts (such as the number of days in July or the meaning of counter clockwise).

Question 15

Does Jonathan get paid more than Deborah?

(1) Alice gets paid more than Deborah.

(2) Jonathan makes less money than Alice.

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 16

Is the integer a less than the integer b?

(1) a3 < b3

(2) a2 < b2

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 17

Is the perimeter of a given rectangle greater than 8 inches?

(1) The two shorter sides of the rectangle are 2 inches long.

(2) The length of the rectangle is 2 inches greater than the width of the

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 18

Is a an integer?

(1) a > 0

(2) 4 2+ 32 = a2

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 19

What is the value of the integer P?

(1) P is an integer multiple of 2, 4, and 5.

(2) 40 < P < 70

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 20

Brian is dividing 50 marbles into 3 groups. How many marbles are in the largest of the three groups?

(1) The sum of the two smaller groups of marbles is equal to the largest group of marbles.

(2) The smallest group contains 6 marbles.

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 21

Is b a positive number?

(1) 1,452(b) > 0

(2) –b < 0

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 22

Is x greater than y?

(1) x > 2y

(2) x – y > 0

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 23

What is the average test score of Angela, Barry, Carl, Dennis, and Edward?

(1) The average of the test scores of Barry, Carl, and Edward is 87.

(2) The average of the test scores of Angela and Dennis is 84.

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.

Question 24

If y is an integer, is it an odd number?

(1) y3 ≥ 0

(2) y is either an odd number or a negative number

A. Statement (1) ALONE is sufficient, but statement (2) is not sufficient.

B. Statement (2) ALONE is sufficient, but statement (1) is not sufficient.

C. BOTH statements TOGETHER are sufficient, but NEITHER statement

ALONE is sufficient.

D. EACH statement ALONE is sufficient.

E. Statements (1) and (2) TOGETHER are NOT sufficient.


Answer Key


Quantitative

Problem-solving

1. B. Simply substitute the given values for a and b and perform the required

operations.

2. C. This problem is solved by finding x in this equation: 34/80 = x/100.

3. C. Every possible combination of scores is a multiple of 7, since the two terms of

the ratio have a sum of seven.

4. E. To solve this problem, work backwards. That is, perform FOIL on each answer

choice until you derive the original expression.

5. A. A set of six numbers with an average of 4 must have a collective sum of 24. The

two numbers that average 2 will add up to 4, so the remaining numbers must add up

to 20. The average of these four numbers can be calculated: 20/4 = 5.

6. C. Prime numbers are those that are only evenly divisible by one and themselves.

7. D. Simple Multiplication.

8. D. Multiply 30 by 0.2 and subtract this from the original price of the shirt to find

the sale price: $24. Then multiply 24 by 0.2 and add the product to the sale price to

find the final price.

9. C. There are 12 inches in a foot and 3 feet in a yard. Four and a half yards is equal

to 162 inches. To determine the number of 3-inche segments, divide 162 by 3.

10. A. If it takes 3 people 3 1/3 days to do the job, then it would take one person 10

days: 10

3

1

3× 3 = . Thus, it would take 2 people 5 days, and one day of work for two

people would complete 1/5 of the job.

11. E. There are 60 minutes in an hour, so Dave can deliver 240 newspapers every

hour. In 2 hours, then, he can deliver 480 papers.

12. C. Since 4 is the same as 22, 46 = 212. When dividing exponents with the same

base, simply subtract the exponent in the denominator from the exponent in the

numerator.

13. B. Substitute the given values and solve. Resolve the parenthetical operations

first.

14. A. Convert 20% to the fraction 1/5, then multiply by 12/5. The resulting

fraction, 12/25, must have both numerator and denominator multiplied by 4 to

become a percentage.

15. E. This problem can be solved with the following equation, in which x = the total

capacity of the tank: 3

3

1

2

1 x = x + .

Data sufficiency

16. E. The two statements establish only that Alice is paid more than both Jonathan

and Deborah; they do not indicate which of these latter two is paid more.

*GMATTM is a registered trademark of The Graduate Management Admission

CouncilTM, who does not endorse, nor is affiliated in any way with the owner or

the content in this file.

16

17. A. Since the cubes of a and b will retain the original sign (whether positive or

negative), it will be possible to assess the relative sizes of a and b.

18. A. If the two shorter sides add up to 4 inches in length, the two longer sides

must be greater than 4 inches, meaning that the perimeter will be greater than 8

inches.

19. B. The first statement only establishes that a is a positive number; it does not

require that a is an integer.

20. C. 60 is the only integer between 40 and 70 that is a multiple of 2, 4, and 5.

21. A. The first statement establishes that the larger group constitutes half of the

total amount of marbles, which means it must be equal to 25 marbles.

22. D. For (1), the fact that a positive number multiplied by b has a positive product

establishes that b is a positive number. For (2), any positive number with a negative

sign placed in front of it will become negative, indicating that b is a positive number.

23. B. It would be possible for x and y to be negative numbers and still satisfy the

conditions of (1), but it then would be impossible to satisfy (2).

24. C. As long as the sum of all five test scores can be calculated, it will be possible to

calculate the average score.

How to secure a Good Job in your first Job interview

Follow Free Tips to do well in your 1st Job Interview and Get a Job

Follow Free Tips to do well in your 1st Job Interview and Get a Job

Here are some free tips for school leavers and graduates keen to find work, including everything from how to succeed at job interviews to making the most of your resume;

First tip-Professional looking resume/CV

You may be asked to meet with several people or in front of a group. If this is the case, present each person at the table with a copy of your resume.

Professional-looking resume outline your skills, experience and qualifications whilst showing off a little of your personality.

A top tip is to individually tailor your resume to every job vacancy you apply for. Is the company in question searching for someone with great communication skills? Make sure your resume demonstrates that you're capable.

Do they want someone with a full, clean driving licence? Add it onto your 'extra skills'.

Got any gaps in your education timeline? Try to fill them with anything you were doing that will showcase your skills, even if you were travelling the world or working behind a bar. Remember, you can pretty much turn anything into something positive on your CV. If in doubt, ask a parent or guardian for a second opinion.

Second Free Tip- Work experience is key

Work experience is essential in today's competitive job market. Employers love qualifications but they're often not that impressive if you've got no relevant experience to accompany them. If you've not yet had any work experience, start to call around some local firms to see if they can take you on for a week. Be prepared to be knocked back many times. Just don't give up because someone will have the time to help. And once you're on placement, make sure you make the most of the experience by reading these.

Third Free tip- Listen Please

Often, when we get nervous, we don’t pay attention to what others are saying. Always focus on the person speaking, listen carefully and let them complete their question or statement. Only then should you respond.

Fourth Free tip- Don’t give up (Try again ans Again)

Everyone has to go through the process of facing rejection. And it's possible you'll miss out on several different jobs along the way. But don't be disheartened. Each and every job interview you go to isn't a waste of your time. It's a valuable learning experience. And you'll find that you get better and better at job interviews, eventually securing something that will get your career off to a flying start.

Fifth Free tip- When answering questions make sure to give examples

Never answer a question like “Tell me about your keyboarding skills?” by simply saying, “They’re great.”

Instead, demonstrate your skill level with good examples — “I can type 100 words a minute — with no errors. In fact, I used to prepare the management team’s weekly reports. They included confidential subject matter that was for management’s eyes only.”

Sixth Tip- Dress appropriately (Smart) 

To do so, know the culture of the company you are interviewing for. If you are going to an interview at a conservative mutual fund company, dress in a suit and tie. If you are interviewing for a hip and cool guerrilla-marketing firm, dress in a professional manner that is consistent with the culture of the firm.



Remember, if you dress correctly you will feel comfortable and feeling comfortable will help you to interview successfully!

New tips to Secure More Scholarship Money for your study

More Scholarship Money for your study in 2016

I understand this is not the time for getting admission in college. This article will help you prepare you for next years. Try these techniques you will sure to get your Scholarship Money for your study.





It’s not uncommon to start planning for financial aid in your junior year of high school. Don’t be intimidated or scared-off by a private school -- with need and merit based aid you can actually pay less for a private school than a public one. Do not be afraid to ask questions of your parents, teachers, counselors, or principals. You can also call the college you want to attend. The only stupid question is the one you don’t ask.

The average annual cost to attend a four-year public college is $9,244, says College Board. For out-of-state students, that number more than doubles ($25,770) – and for private schools, it triples ($32,500). And that’s just tuition. Those numbers don’t include housing, living expenses, or textbooks.

Here are some tips and tricks you can use to help fund your college experience.

1. Use free Scholarship websites

These are free scholarship search sites where a student can find financial aid opportunities. There are scholarship search services that do the work for you, but you have to pay for those. Check out the free sites like www.freescholarship.com and www.fastweb.com.

Check out the free sites

Scholarships.com


CollegeBoard.org

College-Scholarships.com

College Answer

QuestBridge

Scholarship America

FastWeb.com

www.freescholarship.com

2. Use FAFSA - Free Application for Federal Student Aid

This is the student aid form that most colleges and universities use to determine a student’s need-based aid, which can take the form of grants or loans. It takes about 30 minutes to fill this out on-line.

FAFSA - Free Application for Federal Student Aid

3. Check locally and offline

Online searches are a great tool, but your odds of winning nationally competitive scholarships might be lower than less-advertised local ones. Check with local businesses and community-oriented organizations in your area: Rotary clubs, YMCA, Kiwanis, and even churches. High-school and library bulletin boards and well-connected guidance counselors might also be able to clue you in.

Be persistent

While there’s a mind-boggling amount of free money out there, don’t expect it to fall into your lap. Do the legwork and keep checking every semester. Some scholarships aren’t available to freshmen or undecided majors, and new opportunities pop up all the time.

Tap your network.

Chances are your friends are in the same boat as you. Talk to them about sharing scholarship resources. In a few minutes you could easily double, triple, or quadruple your list of scholarships. Also, sharing is caring and some good karma is never a bad thing when you’re trying to win some cash. The trick: Trade with friends that have some similar interests and abilities. This way the scholarships you swap will be a little more qualified.

Athletics and Activities Grants

Are you a gifted hockey player or trumpet player? While you may not earn the coveted full-ride to a Division I school, there may be money at your chosen school that fits your given talent: athletics, music, art or theatre.

Religious Scholarships

Many colleges and universities are affiliated with different churches. Check your church and your prospective colleges for opportunities for faith-based aid.

University Scholarships

Contact the universities you want to attend because each school will have unique scholarship opportunities, deadlines and applications. There are many opportunities, but the cliché holds true -- the early bird gets the worm. These scholarships aren’t strictly based on academics. Some are for students who exhibit leadership or involvement in the community or other high school activities.

Specialty Scholarships

Many big box retailers like Wal-Mart and Lowe’s offer undergraduate scholarships, and your parent’s employer may offer scholarship money to employee’s children.

And there are scholarships based on race, gender, academic interest and even geographic location, so there may be a scholarship that fits your special circumstances. Millions of dollars go unclaimed because students do not realize they are uniquely eligible for certain scholarships.

Target scholarships with simple applications.

There are countless scholarships that require nothing more than an easy sign-up. While these typically have slightly smaller payouts, the benefits can quickly rack up with little time investment. The trick: These are usually very popular and attract many applicants. Use the law of averages and apply to as many as you can. Counting on just one could really limit your chances.

Dedicate at least 30 minutes a day to researching and applying.

It’s key to make time for discovering new opportunities and to actually apply to them. The trick: Don’t not burn yourself out. Just devote a small chunk of time each day and before you know it, money will be coming your way!

Reuse your work

Apply for a few scholarships, and you’ll start to see a pattern. Many want the same information, and essay scholarships may touch on the same themes (especially “tell us who you are and why you want our money”).

While plagiarism is a no-no in college, you can’t plagiarize yourself. Save time by keeping documents you can copy and paste from, and use your Web browser’s autocomplete feature so you don’t have to type in your contact info a billion times. Just make sure to double-check everything.

Check non-academic scholarships

As we already mentioned, there are literally billions of dollars in scholarships out there every year. As we covered in 25 Bizarre Scholarships, many don’t require great grades, test scores, or any kind of performance at all – there are scholarships based on everything from your height to a passion for the science behind wine.

Some of them have such weirdly specific criteria that you might win just by being the only person crazy enough to apply. For instance, there’s a scholarship for Catholics named Zolp. (Name changes won’t work.) So don’t sell yourself short when searching.



At last if you can’t get enough aid

Consider starting at a community college, which charges significantly less than a four-year university and lets you finish core courses before transferring to the school you really want. Just make sure your credits will carry over – ask the transfer schools for an articulation agreement.

You could also try applying to some of the cheapest schools in the country, or the tuition-free schools named in this BusinessWeek article. The Consumer Financial Protection Bureau’s new comparison shopping tool might also help.



Some of these scholarships are worth only $500 – not enough to pay for even one class. But every bit counts, especially if the alternative is a high-interest student loan that will take years to pay off. Apply for everything you might qualify for, and there’s no telling how much you might end up with…



•Surname scholarships. What’s in a name? Money. Like the Zolp scholarship, the Scarpinato Scholarship gives you a full ride – but this one doesn’t require a conversion to Catholicism. The name can come from birth or marriage, and it’s valid at Texas A&M University. The name Gatling will grant you $9,000 to $18,000 at North Carolina State. Van Valkenburg and variants can net you $1,000 good anywhere, and several names can put you in the good graces of Harvard, including Baxendale, Hudson, and Bright.

•Little people, tall people, and Klingon scholarships. You don’t need to be tall or a sci-fi geek for these: You need to be really short, really tall, or love language. Little People of America gives out annual scholarships of up to $1,000 to those under 4-foot-10 or members of their families. If none apply, the award may also go to anyone with a disability or someone with financial need; the Billy Barty Foundation has a similar scholarship. Tall Clubs International has a similar scholarship for women over 5-foot-10 and men over 6-2. Meanwhile, the Klingon Language Institute not only exists, but it gives out $500 a year to language students who don’t even need “familiarity with Klingon or other constructed languages.” More Trekkie scholarships are out there too. You can even win a $5,000 scholarship for writing about elves - or drawing them.

•Tasty scholarships. Getting the $5,000 American Association of Candy Technologists scholarship is like taking candy from a baby – or maybe a robot. You need a “demonstrated interest in confectionery technology” along with a decent GPA and at least sophomore status. And beef is not just for dinner, it’s also for class: The National Beef Ambassador Program awards up to $2,500 if you can give great speeches about the merits of cows – a debate with the winners of the $5,000 Vegetarian Resource Group scholarship is not required. Budding wine connoisseur? Junior-level science majors with no gripes about grapes can go after the American Society for Enology and Viticulture scholarship. Heck, you can even win $25,000 for making a peanut butter sandwich – jelly optional.

•Religious scholarships. Take a vow of poverty and, ironically enough, you could win the Monastic Scholarship at Naropa University. Studying American Buddhism at that school could also get you a $2,500 Frederick P. Lenz scholarship. Pagans aren’t left out either: The Carolina Spirit Quest scholarship is worth $500 for such students who live in North Carolina, South Carolina, Virginia, or Washington, D.C. Hindu students studying business can win up to $10,000 with the Rattan L. Khosa scholarship at the University of Chicago.

•Doing-weird-things scholarships. That’s an awfully broad category, but where else are we going to mention $25,000 scholarships for people who dance for a living or $5,000 scholarships for people who wear Duck tape to prom? What about scholarships for people who compete in national marbles contests? There’s $7,500 scholarships for students who drink milk while playing sports, and the Gertrude J. Steppen scholarship for students who don’t drink and don’t play sports. There’s a scholarship for chaste North Carolina girls who live on campus without a car and have no other financial aid. And one that Stacy mentioned in the above video, a $2,000 scholarship for those with a talent for duck-calling.

How I pay off my Home Mortgage Faster (saves thousands on interests)

This is a biggest burden in in any person home spending. So if you can use some tricks this will help you lot in paying off less interest in long run. Of course wanting to be mortgage-free sooner is easier said than done, but there are some tips that can help you reach your goal quicker.

I choose a shorter length of time to repay my mortgage

Look at all your amortization options to see how choosing a 15-year period versus a 20-year period versus a 25-year period will affect your payments and interest costs. Your mortgage payments will be higher, but you'll pay far less interest over the course of the loan. Do this exercise at the end of each mortgage term as what may have worked for you 5 years ago, might not be the best option for you now.

 

 

Another way you can save money in this bad economic times in 2015

 

I always explore refinancing

Historically speaking, today's interest rates are low and if you are concerned about the possibility that rates will increase, refinancing your current mortgage now may help you save money in the long run. Basically, it's a good time for homeowners to consider refinancing when:

•Rates are low and the penalty for breaking your mortgage does not exceed the savings available by switching.

•There are additional savings available above and beyond just a lower interest rate. For example, does your current mortgage offer you the flexibility to make lump sum payments, increase your payments or change your amortization period without penalty? If these are features you want but don't currently have without incurring a penalty then you will want to factor this into your refinancing decision as well.

•You have other, high interest debts (like credit cards), that by consolidating into your mortgage will save you money.

 

I made largest down payment (as I have some extra money)

Fact is, the more you save for your down payment the less you'll have to pay back; not just in the principal but in interest too.



I make more mortgage payments

There are two ways to go about doing this; both will save you some money along the way but one more so than the other. I use second option…

Your first option is to pay twice a month (or whatever frequency works best for you) the total you would normally pay on a monthly payment plan. For example, if your monthly mortgage payment is $1,000 you can opt to make two payments a month of $500 each. You're not paying any more than you have to each month, although you will save a bit on interest by making part of your monthly total payment early.

Your second (and more money-saving option) is to pay weekly or bi-weekly accelerated payments in lieu of one monthly payment. Why does this save you money? Well, not only will you save money on interest like you would with the first option, but it's also a way you might not notice that you actually are making a couple of extra payments each year. Let's say for example, your monthly mortgage payment is $1,000 for a total of $12,000 per year. If instead you decide to pay $500 every two weeks, you'll actually end up putting $13,000 a year against your mortgage.

I always Round up my mortgage payments

Every little bit counts and the more you can pay, the quicker you will pay off your home mortgage. If your payments come out to an odd number round up your payments to a number you are comfortable paying. For example, if your payment is $987 consider rounding it up to $1,000. It's a small enough amount that you likely won't notice but over the long run will help you chip away at your mortgage.

I also pay extra when I got a raise, tax return or a bonus

When possible, view unexpected sources of money as 'found' money and apply it to your mortgage (provided there are no penalties). Since it is money you weren't expecting it likely won't affect your lifestyle in the short-term but will in the long-term when you pay off your mortgage that much faster.

I make extra anniversary payments everyyear

Even if you have a closed mortgage, most home mortgages allow you to make "extra" payments, typically once a year, for up to 20% of the mortgage owed. This money is applied to the principal, saving you money in annual interest costs.

I Avoided Prepayment Pain

Check your mortgage agreement for prepayment (e.g. extra payment) conditions. Depending on the type of mortgage you have, you may be subject to penalties. Before making an extra payment find out if there is a fee or penalty, a required minimum amount, a maximum allowed or conditions on when the payment can be made.

I renewing at a lower rate but Keep my payments the same.

If you're able to get a lower interest rate when you renew, avoid the temptation (unless it's necessary) to reduce the amount of your regular payments. Even though you can pay less, by keeping your payments at the level that you've become accustomed to paying, you'll save more in the long run.