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Once the Department of Education completes the evaluation of the applicant’s FAFSA, and determines the Financial Need amount available to an applicant, a Student Aid Report, or SAR, is issued to the applicant. The SAR contains the EFC. There are options for requesting a review of the Financial Need determination.Once the applicant has qualified for a student loan, the student and his/her family must decide on what type of loan is best for their situation. Loans are differentiated by amounts, whether interest payments are subsidized or not, and the funding source of the loan. Loan amounts must also be evaluated in terms of what other financial assistance is available to the applicant.Direct Loans are student loans made directly by The Department of Education (“DOE”) to students and the parents of students. No banks or financial institutions are involved. There are four types of direct loans offered by DOE:Subsidized Stafford loans eliminate interest payments while the student is enrolled in school and during the six-month grace period following graduation before re-payment of the loan begins. These are available only to Independent Students.Unsubsidized Stafford loans charge interest on the loan principle from the day the loan is issued. Repayment of the loan doesn’t start until six months after the student has either graduated or left college. But like a credit card balance left unpaid, the interest adds up each and every day the student attends school.PLUS loans are available to students in graduate or professional school or to the parents of undergraduates.The amount of money available through Stafford loans varies with each year of college.College Year Amount of loan availableFreshman $ 3,500.00Sophomore 4,500.00Junior 5,500.00Senior 5,500.00All of the above amounts are for Dependent Students. The amounts for Independent Students are greater, but since very few applicants qualify for Independent Student status they are not included.Interest rates and loan fees charged on Direct Student Loans are set by Congress. Interest rates are adjusted once a year, on July 31st. Current Stafford loan rates are 6.8% and loan fees are 4%.The PLUS Program, or Parent Loans for Undergraduate Students, is a distinct and separate type of educational loan, which can be used to finance an undergraduate education. Because Stafford loans have limits that fall below the needs of many students, Stafford loans may need to be supplemented by PLUS loans obtained by their parents. Parents may apply for Direct PLUS loans from the DOE or from a second source of loans guaranteed by the DOE but funded by private banks and financial institutions. These loans are labeled FFEL or Federal Family Educational Loan Program.PLUS loans carry a higher interest rate, currently 7.9% if the loan is a Direct loan from the DOE, and 8.5% for FFEL PLUS loans made by private banks or financial institutions. PLUS loans require separate applications available from the financial aid office of the student’s school. PLUS loans require good credit ratings and are subject to a more rigorous financial scrutiny than Stafford loans. PLUS loans carry origination fees like every other type of consumer loan. PLUS loans allow parents to borrow up to the complete cost of their child’s four years of college, less any other Direct loans or financial aid received.Direct Plus loans are fairly straightforward. FFEL PLUS loans are made with private lenders. FFEL loans are guaranteed by the government, which means that the government agrees to, in effect, co-sign the loan. For this reason just about every type of financial institution offers PLUS loans. Most of these institutions are legitimate, but there are some predatory lenders. Caution must be exercised when choosing a lender. The Financial Aid Office of your child’s school should, in theory, be able to guide you to an honest lender. But there have been some scandals involving conflict of interest on the part of school financial aid departments, so independent investigation of lenders is a good idea.Investigating PLUS loan lenders is much like investigating credit card offers. Some cards offer a low introductory rate, but the fine print shows that even one late or missed payment results in a skyrocketing interest rate. Other fine print reveals that a late or missed payment, even for a different credit card, can cause massive interest increases and penalties. For the period 2005 – 2006 student loans of all types amounted to over four hundred billion dollars. After home mortgages and credit cards, student loans are the larger source of business for the personal finance industry.Terms for loans vary from ten to twenty-five years. But since interest is accruing from the moment the loan is made, interest charges are accumulating from fourteen to twenty-nine years. The amounts add up quickly. Applicants receiving federal student loans are now required by the government to take a financial counseling class before the money is released to the student. It makes sense to investigate financial aid that doesn’t require repayment.

Based on my experience in executing SEO projects for over half a decade, I am posting a blog entry which deals with the suggestions for a client working with any SEO professional or SEO firm for optimizing his website.o Have complete faith in SEO professional:Once you finalize SEO professional or SEO Company, trust their skills. Also you need to trust their knowledge and experience. Do give them freehand to work on their methodology and indulge yourself in learning basics about their methodology and approach. You can discuss the blueprints they prepare for your website, in detail with them. This will help your SEO professional in gaining your confidence and also will help you in reaching a comfort level with your SEO professional.o Have reasonable / realistic expectations about your SEO project:
SEO can’t work miracles irrespective of their experience and past track record. Especially if the site is new, it may take months to really see traffic building up because of SEO work. So its quite unfair on your part to expect your website appearing in top 10 search results within a month of SEO work done. This is the reason why a good SEO professional DO NOT guarantees any results for the SEO job.o Be patient with the results and be realistic:
SEO is not a fuse wire which can trigger a chain reaction and your site will be bombarded with huge traffic in a matter of time. You need to be patient with SEO. It takes time to implement SEO as it’s a scientific approach and can be implemented after taking a series of steps, each requiring thorough analysis. The approach implemented by a SEO professional may take time to get indexed properly and it may take a little while to get appreciation by search engines in terms of rankings.o Work in detail with SEO and treat him as a partner:
You need to detail SEO about every minute thing related to functionality of your business so that he can come up with a decent research on keywords. Talk to him about the nature of business, customer behavior, product range, your competitors, target group / area. Based on the information provided by you, SEO can pick right sets of keywords and can boost your website rankings and get the right traffic.o Be ready to pay for quality work:
Choose a SEO professional / SEO company based on the track record. Once zero in on any professional based on the capabilities, then be ready to pay for the quality work which you expect from him. “If you pay peanuts, you get monkeys”. There are plenty of people who are ready to do SEO in a couple of hundred dollars. Their job is just to stuff keywords and create metas and they are done. So my advise is be cautious while picking SEO and be ready to pay for quality work as it is something which is going to bring in more MOOLAH to your business and your growth depends on this.o Do not hesitate taking an elementary class from SEO professional about SEO approaches and methodologies: Learn the basics of SEO from SEO professional working on your project. It takes little efforts but the reward is quite satisfying. You will not be in dark about the SEO progress and you will attain a comfort level with your SEO professional.o SEO is not a one time effort:
SEO is not doing a one time job and then sit and wait for the results. You can equate it with the regular marketing and sales efforts. You need to keep refining the approach based on the results which you get crawl after crawl. You need to measure finite parameters and make changes in your website / content / visuals accordingly so that you get better and better visibility. After the work is done, its about putting in time & efforts to sustain rankings and continue taking actions for improve rankings.o The success of your business does not depend entirely on SEO:
This is one of the most important points. Do not rely on SEO for generating more revenues and increasing your business reach among the potential buyers. A SEO can drive targeted traffic to your website, however he can not force visitors to buy from you whether its service or any product. The actual SALE entirely depends on your product line, service levels you offer, after sales service, product / service pricing and many other factors. So its unfair to hold SEO professional responsible if you are not getting desired jump in sales even after increase in traffic to your website.

The priority of securing business money when you have selected and are starting a franchise becomes even more important as you focus on getting the business started and up and running.Let’s discuss some of the sources of capital in the Canadian franchise environment, and we’ll share some tips and strategies that have helped many other clients looking for Canadian business financing in the franchise environment.There are actually 5 sources of capital that will successfully allow you to complete the financing of your new business. They include your own equity injection into the business, i.e. your down payment, bank and institutional financing (its not what you might think, so stay tuned on that one ), asset financing via an independent finance company, and finally a potential vendor take back from either the franchisor of the existing franchisee from whom you are buying the business.Let’s therefore backtrack a bit and hopefully give you some solid tips and new information around how this financing is, in our words ‘ cobbled together ‘ to give you a total financing solution for your new business.It’s always the same question when we talk to clients… ‘How much do we have to put in ‘… they are of course referring to their owner equity investment into the business. The truth is that the amount varies when it comes to the financing portion of your business. That amount is flexible and can vary anywhere from 10 – 50 per cent depending on the size of the financing and the amount of working capital you want to have on hand d on day once that will allow you to finance the business properly.Another tip we’ll share in the above mentioned ‘ owner equity ‘ area is simply that in many cases some franchisors will actually mandate how much you ‘ have ‘ to put in. We therefore recommend to all clients that they get a clear understanding up front so there are no surprises. In defense of the franchisor they are probably relying on their own experience that allows them to have determined over time what it takes to successfully run and grow one of their units in their franchise system.So how exactly do the banks in Canada participate in the starting of your franchise? Is it as simple as approaching your bank and determining what business money they will lend to finance a franchise? Not really we tall clients. We have rarely if ever seen a direct term loan to cover the financing of a franchise. But yet the banks do participate in most of the franchise financing in Canada. How? They piggy back on a special government program called the BIL/CSBF programme. This loan is underwritten by Ottawa, and has very generous terms and conditions around rate and structure. Unbelievably you are actually only guaranteeing personally 25% of the loan, which is another benefit.So our cobbling together of a financing package is getting there – another great strategy is to finance separate individual assets with an independent lease firm. This type of asset financing is easier to get approved, and can cover a significant portion of any assets that need to be financed.We spoke of a potential vendor take back from the franchisor or existing franchise as part of the purchase package. We will share with you several tips and comments on this one – namely that you should not fully rely on getting this type of financing in place. Occasionally you might be successful, may times you wont. Why? Simply because the franchisor or existing franchisee is motivated to sell you a franchise, not finance it!Speak to a trusted, credible, and experienced Canadian business financing advisor in the area of starting a franchise and getting the right business money in place to allow you to complete your new role as a Canadian entrepreneur.

Watch out for the branding gurus. Beware of the branding police who focus only on images of brand. Fire the branding consultants who feel qualified to tell you what your brand should be. Ignore the branding zealots who proclaim “brand or die”.Good, now that we have frightened off the undesirables let’s address some fundamental questions about branding and offer you some probing questions to consider. That first paragraph demonstrates the three rules of creative positioning as explained below.Should you have a brand? Maybe. It depends on the goals of your business. You need to ask yourself some questions. Will the brand give you the return on your investment? Will you invest the resources to claim and sustain the brand?What is a brand?A brand is the emotional bond that your clients have with you. Ask your best clients how they would describe you to others. Look for the common message in what they say – especially the emotion. That might be your brand.Brand is the feeling others experience when they think about you and your product. Brand can help them think of you first – or better yet – only you. Brand can justify higher prices – or even better – make price a non-issue.Not BrandingBranding is not about creative logos, pretty fonts and pantone colors. Fire anyone who attempts to sell you that pabulum. Those things are only images. Have you noticed that the successful brands change these images every few years?Branding is a marketing strategy. It is only one of many marketing strategies from which you might choose.Is branding an accident or on purpose? Because branding is about creating emotional messages you are always branding. However, are you aware of your messages, are you consistent and are you effectively branding yourself?You could create or claim your brand. Dominos Pizza created their brand – “Pizza in 30 minutes or its free”. They own that brand. It’s simple, memorable and unique. Some companies look for an opening and build their business to create that brand. Some companies discover their brand by accident. Feedback from clients, remarks from the media or a competitor’s comment reveals the brand that was hidden in plain sight. In that case it is up to you to claim the brand and run with it.Avis claimed their brand by turning a disadvantage into their brand when they launched their marketing campaign with “Avis is only Number 2 in rent-a-cars, so why go with us? We try harder.” And with cheekiness they leverage further on their “disadvantage” by adding, “The lines at our counters are shorter.” That brand has been successful for over 40 years.How do you create your brand? There are two ways. Like Coke, Nike and MacDonald you could throw gazillions of dollars at it. Or you could use creative positioning. Look for the holes in the marketplace. Go to where your competition is not and claim that position. Take a stand like Harley Davidson, Buckley’s Cough Mixture and Nova Scotian Crystal.Each of these companies claimed positions in the market the competition was unwilling to take. Folks either love or hate Harley Davidson. Buckley’s proudly claimed that “it tastes awful but it works” along with a money back guarantee. Nova Scotian Crystal is proudly the only Canadian crystal manufacturer and they offer an incredible one year breakage warranty. Drop your whisky glass and they will replace it; no questions asked.Each of these companies was willing to take a position that would drive some folks away while attracting a loyal crowd of fans.The three principles of creative positioning are best explained by UK entrepreneur BJ Cunningham, who as CEO of The Enlightened Tobacco Company sold a cigarette called “Death Cigarettes”. It was presented in a black package emblazoned with a white skull-and-crossbones logo. Just imagine how this might appeal to the rebels. Everyone except the tobacco companies knew that cigarette smoking was bad for your health. BJ did what none of the other tobacco companies were willing to do. He took a stand.Cunningham’s three principles of creative positioning: 1. Take a polarized position. 2. Make enemies. 3. Create tension.Branding starts with market review and self-examination. Standing alone can be scary, exhilarating and hugely profitable. It you are going to claim a powerful brand take a position away from the crowd. Stand where no one else is standing.

When it comes to health care ethical issues, there are almost as many ethical issues as there are health issues to be treated. There are laws in place to direct the behavior of almost every person in the health care personnel chain, from the nurse to the nurses aide who assists them and the doctor who ultimately gets to try and make the decisions to treat within the confines of the insurance system ruling over the life of the patient in question.There are ethical issues that are clearly defined, such as the requirements for treatment decisions when a patient has a Medical Power of Attorney or a Living Will. Then there are thealth care ethical issues that don’t have such clearly defined areas, such as whether it is allowable to withhold a possible lifesaving treatment from a patient only because their insurance will not pay for it.Health care providers must make their treatment decisions based on a great many determining factors, perhaps the most constraining of which is the insurance reimbursement regime. If doctors and other health care providers could just treat their patients and have only that to worry about, what a wonderful world it would be. But doctors have to constantly worry about whether or not they and possibly the facility where they practice will be paid by the insurance companies. The next most important factor which affects health care providers ability to provide the care patients truly need is whether or not the patient has been truthful with the information they have given to the health care provider, and whether or not they have had access to health care to establish and maintain their health care needs.Ethical concerns also come into play with patients whose family constellations are unclear. A patient who has a spouse has a straightforward next of kin when decisions have to be made. When a patient is separated from their spouse, and even perhaps has a new significant other, the next of kin can be much more difficult to determine, and protecting all health care providers-doctors, hospitals, etc from the liability risk of allowing the person who does not have a legal right to make decisions for a patient is a necessity. The health care ethical issues presented by these kinds of situations are very delicate.One important ethical concern in health care is the need to protect oneself from the very real danger of the transmission of communicable diseases in bodily fluids. Especially in cases where a patients history is not available, health care providers have the right and the responsibility to protect themselves from viruses and bacteria that may be present in the body fluids of patients to which they are exposed taking care of these patients. However, this must be balanced with the possibility of making patients feel accused or uncomfortable by these same protective measures.One last important health care ethical issues, especially in this day in age, is the protection of private, personally identifying information. Patients records used to be kept in public places where almost anyone could read them-filing pockets outside their doors, for instance. This kind of situation is not longer allowed, and records are more closely guarded nowadays, and many hospitals now rely on records kept entirely on computers.Ethical issues are a part of almost every field, but health care has a special place in the system, where people are trusted with making those who are sick feel better, those who are injured able to return to their prior lives, and those who have chronic conditions and those who love them more able to cope with the demands of living with those conditions.

The health care industry is very broad and consists of numerous professions outside of becoming a doctor or nurse. Students interested in working in health care have many educational options to choose from. Degree programs are available online from many colleges and universities.Because the field is so broad, students choose a concentrated area to gain their education in. Becoming an epidemiologist, vascular technologist, physical trainer, wellness instructor, and much more are some professions that can be entered when students work through a health care degree program. Specific areas of instruction can include:Health EducationHealth SciencesPublic HealthOnline schooling offers students certificate programs and degrees at various levels making it possible for students to complete the correct training for their chosen field. Students should research what educational requirements exist so they understand how long schooling will take. This is essential so students finish the correct amount of schooling for their desired occupation. Some careers may only require students to complete an associate’s degree program and others may require graduate degree training. Education online allows new students and already working professionals to gain the necessary knowledge to advance within a specific health care industry.Students that want to work in the administrative side of health care have the option of entering health information technician training. Coursework centers on teaching students about the maintenance of health records. This facet of the industry is extremely important for proper health care delivery and billing. Education focuses on giving students the skills to understand medical terminology, pathophysiology, data management, and pharmacology. Online education is widely available at the associate’s and bachelor’s degree levels, which give students the knowledge to become health information technicians.Individuals that want to work more in the medical treatment side of the industry can consider enrolling in a physician assistant program. Students learn how to work alongside a physician by performing patient exams and ordering lab tests. Schooling provides students with the ability to practice medicine when supervised. Students explore numerous health care services that may include treating minor injuries, diagnosing illnesses, and prescribing medications. Most online schooling opportunities are at the master’s degree level because it’s the standard educational level required for work. However, certificate and bachelors degree programs are offered to prepare students for graduate training.Other possible degree programs prepare students to teach others about good health practices and enter a variety of occupations as radiographers, nuclear medicine technologists, health scientists, and nutritionists. Degree programs in public health, health education, and health science can be completed at multiple levels through online education.Health care careers are available to students that have an education. Accredited online colleges and universities offer training and students can enter a career in the industry upon completion. Full accreditation is provided to programs that offer students a quality education that will prepare them for a successful career. Agencies like the Distance Education and Training Council (http://www.detc.org) are approved to accredited online learning programs. Students should explore the many schooling options available and begin the process of entering the field.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

Ducks are one of the symbols that reflects love. Wooden ducks are finely carved, created, and designed for a striking look and sense nicest for home and garden decors. These ducks are handmade with precise and skilled craftsmanship on wood with hand-painting with special colors. Just a little care needs to be taken for tidying up. Clean the wooden articles with a sponge or cloth using a mild non-detergent soap and water and clean them dry. Abrasive cleaners or scrubbers should not be used, and they can pale the look of the wooden item.

Painted duck statues for garden lawn or yard decoration handmade wooden craft.

The materials, paints, and pigments used for making it are eco-friendly, non-toxic, and safe. It is a cute duck-shaped wooden article perfect for home, lawn, garden, and party decor. This makes the home and garden look thoroughly beautiful and fascinating. It may come in different sizes according to the customer’s requirements.

Wooden ducks crafts ornaments desktop decoration for home party

It is made of wood crafted beautifully, giving a cute and unique look. It has a realistic shape, and the handcrafters had given the wooden duck’s excellent details with fine skills. It is purposefully suitable for garden, office, home, office, and desktop decoration. It makes the mood refreshed and brings happiness to daily life. It is also a great gift for children, friends, or lovers.

Zoltamulata handcrafted wooden duck pair showpiece for home interior decor ducks

These ducks are made up of good-quality wood material. It is certainly suitable for home and car too. This makes the home look better and greatly enchanted.

Wooden Hand-Painted Ducks

The Rajasthan artists are greatly skilled in the handcrafting of wooden articles. This is one of their articles beautifully hand-painted and carved. This is suitable and beautifully embraces a comfortable corner of the office or home.

Wooden Duck Home Decor

This is a fascinating and beautifully detailed design made up of wood. The details in the duck are very well shown. Though it is not painted, it gives a rich and royal look to the home decor.

Klowage Duck Decorative showpiece

This is enormously best for home decorative purposes. It is completely made up of wood and comes in multicolor according to customers choice. It gives a little vintage theme to the home. Looks great and has a great impact on people.

LAVANSHI 4″ Kadamba Wood Duck Decorative Showpiece

This wood duck showpiece is extremely ethnic and authentic. The artisans have precisely given the minute details, making this woodcraft a masterwork. It is suitable for the home decor purpose giving a delightful look to the home.

3×Rustic Style Duck lovely nautical wooden duck set photo prop table shelf display home decor

These highly detailed handmade duck models are very fascinating and elegant. They are well-crafted and carved with details. It is colored and feels cute to be a part of home and garden decor.

Handmade Ducks by DCUK

This handmade duck is so much more than just a decor ornament. It is made up of wood with specific details unique from most other handcrafted wooden duck decors. It is perfectly sculpted, and the hat and boots make it more attractive.

Wooden Birds Gift Set

This can be used for home decor or garden decor purposes. It could also be gifted to loved ones. Just protect it from water and dust with a small cotton hand broom to remove the accumulated dirt.