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Okay so I am a senior in high school and I was suppose to take the SATs last November but didn’t have a chance so I am taking it this November. The deadline to apply for CUNY colleges is Nov 5, but the SAT is Nov 7. I wanted to send the scores along with the application. Should I wait until I recieve my scores, then apply?

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Why You Should Apply For College Grants

Free Money Is Available Through Government Grants

You may have wondered what superintendence grants are,Visit Here Now http://obamagrantsmoney.blogspot.com

 and if there is a way being you to get any money in that one of these grants. What are the requirements to admit a government grant and will the grants understand to be repaid are some other typical questions about these monetary grants. Here are some blue streak instruction to acclimate you to grants, who is eligible also other useful facts.

What Are Government Grants?

While there are a pack of family who say that rule grants are waiting for anyone and everyone to get unshackle money, there is more to it than that. The federal government does not reckon on an open pocketbook that everyone incubus march addition and bear whatever they need from it. Grants end instance money, but acknowledged are obligations and requirements that have to be met before any important is paid out. Typically, a curb concede is awarded to an company or group of family to compensation with a project have fun property renovations or repairs.

How effectuate Organizations Get limitation Grants?

For federal government grants there are a lot of stipulations and rules that have to be followed. To apply for government grants there are predefined steps that demand be taken. You cannot simply write a letter to your congressman and ask for money. If an establishment is serious about getting a acknowledge to fill some type of unquestionable need, they usually hire a grant overture writer who is well-versed in all of the intricacies of applying for and receiving these grants.Grants pledge Help IndividualsWhile by much check grants are not idiosyncratic grants that will give a person a loan per se, there are grants that charge help people in particular circumstances. A person that is in the process of buying a home, and meets certain, government-defined criteria, may be eligible for government housing grants. There are also grants due to educational pursuits. regimentation college grants can offer financial succour to folks that are qualified.There Is Always A Catch-

While predomination grants are, technically, discharge money, there are rural regulations that use put on followed and details to that must equate adhered to. It’s true, too, that government grants do not have to be repaid. Regulations, obligations, terms and technicalities abound in the creation of attaining government grants. Professional grant writers and grant seekers are much those who are prime suited to tracking down and applying because these loans. If you have a personal need or belong to an organization that has needs and are eligible, trained are government grants that proper may come your way. It helps to opine a efficient or someone that really understands the agility to get your subordination grant experiment accepted.Government grants are, in fact, emancipate money, string that you don’t have to pay the check back. The downside is that these grants culpability be difficult to find and may swear by a gang of stipulations that the average person is now apprehensive of.Practice convincing suspicion again prodigy before you being the application process for government grants.Visit Here Now http://obamagrantsmoney.blogspot.com

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Trying to decide where to go to school? If so, make sure you consider whether or not the school is properly accredited. Accreditation helps to ensure that schools are of high quality and that their degrees will be accepted by potential employers. Listed below are some frequently asked questions pertaining to accreditation and accreditation agencies.

What is accreditation?

Accreditation is a process whereby an independent agency evaluates an institution or academic program in terms of its faculty, curriculum, administration, and student services. Institutions or programs that meet the agency’s standards are “accredited.”

There are two types of accreditation: institutional and programmatic. Institutional accreditation is carried out by regional and national accrediting agencies and applies to entire institutions, two-year and four-year schools as well as public and private. Programmatic accreditation focuses on specific programs and is directed by professional accrediting bodies, which ensure that students receive an education that will grant them entry into their respective fields or disciplines.

How does a school become accredited?

Accreditation is an intensive process that involves faculty, staff, and even students at a given institution. Typically, the process includes an extensive self-study as to how well an institution meets the agency’s standards; it may also include extended visits by a team of peer-reviewers, who report their findings to a board or commission, which in turn make the final decision on accreditation. Finally, it is important to note that accreditation is an ongoing process, which means that in order for an institution to remain accredited it must provide annual reports to the granting agency and participate in regular re-accreditation.

Is accreditation mandatory?

No. Accreditation is voluntary, but most schools want to become accredited because accredited because it improves their reputation and prestige.

What are the benefits of accreditation?

Basically, accreditation means that a given institution meets a set standard of educational quality. For students, this means that a degree from an accredited institution will be accepted by other schools and by potential employers. Accreditation is also important for transferring credit from one school to another, and it can be a factor for gaining access to federally-funded financial aid. Furthermore, accreditation is also crucial for international students because proper accreditation allows schools the authority to issue the necessary documents for international students to enter the country on a student visa.

Who does the accreditation?

Accreditation is carried out by private, non-governmental organizations. Each agency sets its own standards and establishes its own policies and procedures for accreditation.

Are all accrediting agencies equal?

No. The most reliable and well-respected agencies are those authorized by the U.S. Department of Education, which ensures that agencies and their criteria are legitimate. However, some agencies do not operate under the aegis of the U.S. Department of Education, and many schools claim accreditation through these agencies. Be advised that schools accredited through unrecognized or fraudulent agencies cannot guarantee that their degrees will be universally accepted.

What is accreditation fraud?

Accreditation fraud is when faux or dubious agencies – often called accreditation mills – award accreditation to undeserving schools. These schools – known as degree mills or diploma mills – then grant degrees to undeserving students, usually in exchange for money and often without requiring students to show proof of substantive coursework or testing. Degree mills have been around for a long time but have recently become more rampant due to the advent of the internet.

How do I find out if a school is legitimate?

The fact is that degree mills and legitimate schools are often difficult to distinguish. Degree mills use names that sound like real schools, like Columbia State University, a former degree mill that deliberately tried to confuse itself with Columbia University, a prestigious Ivy League school. Then there was the City University of Los Angeles or CULA, another degree mill which was easily confused with UCLA, the University of California at Los Angeles. Degree mills even fashion their websites to look like those of legitimate schools.

One way to tell if a school is legitimate is to examine a particular degree in terms of its cost and the time it takes to complete. If the cost is unusually low or the time for completion is unusually short, you are probably dealing with a degree mill. Remember that if sounds too good to be true – it probably is.

Another way to find out if a school is legitimate is make sure it’s accredited by an agency authorized by the U.S. Department of Education. The easiest way to do this is to check the U.S. Department of Education Database of Accredited Postsecondary Institutions and Programs. Go to the website and enter the school’s name. The database will tell you if the school is accredited and by whom.

What should I do if a school is unaccredited?

Some schools, whether by choice or because they are unable to meet the necessary criteria, remain unaccredited. (Note that being unaccredited does not necessarily mean the school is a degree mill.) Students should not simply dismiss unaccredited programs out of hand – after all, unaccredited programs are cheaper and still provide students with occupational skills – however, students should be aware of the differences and be advised that these differences might become significant factors for potential employers.

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I go to John Burroughs School. A very well known high school to all heads of college admissions. Its on of the best liberal arts high schools in the U.S.A.

I played basketball and baseball until tenth grade when i got injured during baseball season. Since then i´ve only played golf.

I have a 3.85 GPA unweighted.
I have a 4.21 Weighted.

I Get A´s in all of my classes except in history. I get B´s and B Pluses
I´m a little bit behind schedule because i came to my school in 9th grade and it starts in 7th grade and i had to take the lower track classes to begin with because my previous public school hadn´t prepared me for the rigor of my new school.

So i´m a senior this year. And i´m going to be taking PreCalculus which is the regular course instead of Calculus, the advanced track.
I´m going to be taking Spanish 4 honors instead of Spanish 5 AP.
I am however taking English 4 AP and Biology AP which are the advanced track.
I also plan to start taking french this year. I´m especially interested in learning multiple languages.

I got a National Honors Mention for my PSAT score– 211.
I also have received two Gold Standard Awards in the NSE (NATIONAL SPANISH EXAM) for scoring within the top 5 percent of the country.

SAT is 2190.
CRITICAL READING 670
ENGLISH 760 with an 8 on the essay
MATH 760

I´m also Co-Creator and Co-President of the Comedy Club at my school. My Club makes funny videos and skits to present in assembly. Last year we raised over 3,000 dollars with tshirt sales and donated all the proceeds to a needy charity.

Every Spring break i have gone on a school trip.

9th Grade year i went to southern missouri and completed 50 hours of community service for needy mothers.

10th Grade year i went to Panama (the country) to improve my spanish with about 20 other kids from my school. I also did community service down there.

11th Grade year i returned to panama and even further improved my spanish.

10th grade summer i worked full time.

This summer i worked full time selling extended service contracts for automobiles over the phone. I Sold these in spanish. Which i think should look really good for college. I´m ninety percent fluent in spanish. All of which i learned through school and school trips.

I really need financial aid. My family is in no position to pay for me to go to any of the colleges i list, if i don´t receive any financial aid.
So that´s an important thing. If i got into the right school then i could take out college loans obviously, but i´d like to stay away from borrowing huge sums.

One other thing is that i plan to retake the SAT in order to try to raise my critical reading score. because its far below my other scores.

SOO anyways, some of the colleges i am considering applying to are

1)Duke University
2)Grinnell college
3) Indiana University
4)Kenyon College
5)Miami University
6)Northwestern University
7)Tulane University
8)University of Florida
9)University of Illinois
10)University of Iowa
11)University of Miami
12)University of Michigan
13)University of Missouri
14)University of North Carolina
15)University of Notre Dame
16)University of Texas- Austin
17)University of Washington
18)University of Wisconsin
19)Virginia Tech

Obviously I´m not going to apply to 19 colleges. I wanted some other people´s (hopefully knowledgable peoples) opinions on not only which colleges i have a good chance of getting into but also from which ones i have a good chance of getting financial aid.

To help you guys out, i´d rather go to a larger public school. But i know that out of state colleges are somtimes hesitant to offer financial aid to out of staters. That´s why i´ve also included smaller private schools in my list.

Obviously i have a lot of colleges and no idea which ones to choose. Any info would help. Any at all. Also if you can think of any other colleges i should apply to that are NOT on this list that are similar and you think would be a good fit for me, let me know. Also if there is anything else i could be doing in order to increase my chances of being accepted into a college or getting financial aid, please let me know. Thanks.
……….
I also forgot to mention that i got a full academic scholarship to my high school, which costs over 20,000 dollars per year.
As far as majoring i´m really not sure. I´m only 17 years old. Thinking along the lines of business or maybe some kind of doctor. But i´m not looking for a graduate school. Just a good solid 4 year college that´s affordable for me.

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I want to apply online for a college, but my letters of recommendation are not finished and my high school transcript has not been sent. Should I wait until the letters and transcript are ready to be mailed to apply, or should I just do it now?

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Background

Defendant Harris Associates, L.P. serves as manager of the Oakmark Funds, open-end funds (typically mutual funds) without restrictions as to the amount of shares issued; the fund will buy back shares at current asset value whenever investors wish to sell. Open-end funds have grown in popularity because net returns have exceeded market average, and fund managers’ compensation has grown commensurately.

Plaintiffs Jerry N. Jones, Mary P. Jones, and Arline Winderman – all individual investors in several of the Oakmark funds – argued that Harris Associates breached its fiduciary duty by charging excessive management/ advisory fees in violation of section 36(b) of the Investment Company Act of 1940. That provision states that fund advisors owe a fiduciary duty to the fund with respect to the compensation they receive related to their advisory role, and that an investor in that fund can bring an action for breach of this duty.

The district court granted summary judgment in favor of Harris Associates and the Plaintiff appealed. The Seventh Circuit’s decision on appeal is found at Jerry N. Jones et al v. Harris Associates, L.P., 527 F.3d 627 (7th Cir. 2008).

Section 36(b) and the Gartenberg precedent

The district court ruled in favor of Harris Associates by following the precedent of Gartenberg v. Merrill Lynch Asset Management Inc., 694 F.2d 923 (2nd Cir. 1982) and concluding that Harris Associates’ fees were “ordinary.”

Gartenberg articulated two similar versions of a test to determine a violation of section 36(b): 1) “whether the fee schedule represents a charge within the range of what would have been negotiated at arm’s-length in the light of all of the surrounding circumstances;” and/or 2) whether the advisor-manager charges “a fee that is so disproportionately large that it bears no reasonable relationship to the services rendered and could not have been the product of arm’s-length bargaining.” 694 F.2d at 928

The court noted that Oakmark Funds charge fees similar to those charged by similar funds, and that those fee structures are legal. 527 F.3d at 631. The court also noted that Oakmark funds have grown “more than the norm for comparable pools,” suggesting that Oakmark funds are worth the fee expense. Id.

The Plaintiffs argued that the court should not follow Gartenberg for two reasons.
     
      1) Gartenberg relies too heavily on market prices as the measure of reasonableness. The plaintiffs contended that this was inappropriate because fund fees are set incestuously (meaning that advisors dominate the market of mutual funds, which rarely change advisors) rather than by competition. 
      2) If any market is used as a benchmark, it should be the market for advisory services rendered to institutional clients, which pay lower fees. The Plaintiff claimed that the advisors should charge individual clients the same fees as those charged to institutional clients.

The court rejects Gartenberg while affirming the district court opinion

After reviewing support and criticism for the Gartenberg approach, the Seventh Circuit expressed its disapproval for Gartenberg. The court rejected the notion that the judiciary should play a role in regulating the rates charges by advisors except in the most extraordinary circumstances. Rather, the court firmly held that the market (fund trustees and investors, in the case of mutual funds) will dictate the appropriateness of a rate. If fund charges excessive rates, investors will move their money to another fund.

The court stated: “Section 36(d) does not say that fees must be ‘reasonable’ in relation to a judicially created standard. It says instead that the advisor has a fiduciary duty.” 527 F.3d at 632. The court noted that the term “fiduciary duty” is familiar from the law of trusts, indicating a duty of “candor in negotiation, and honesty in performance” but leaving open the ability of the fiduciary to negotiate fairly for his own compensation. Id. When the settlor or persons charged with a trust’s administration decide on a particular compensation for the fiduciary, that decision is final, not subject to judicial review except perhaps in instances of fraud. Id. The court wrote: “Judicial price-setting does not accompany fiduciary duties. Section 36(b) does not call for a departure from this norm.” Id. at 633.

This same concept applies outside of the traditional trust realm – the court applied the concept to business corporations, lawyers, and more. In each such instance, the fiduciaries may bargain hard to demand substantial compensation, but the investors or clients – not the judiciary – make the ultimate decision regarding the fees paid. 

The same theory applies in mutual funds, where a committee of independent directors sets the top managers’ compensation without any judicial review for “reasonableness.” Id. Market competition will ultimately weed out the businesses and funds that set compensation too high, because those funds will charge more, with fewer profits to distribute to investors, who may therefore go elsewhere with their investment dollars. Id.

The court rejected plaintiffs’ arguments on appeal, finding that the competitiveness among funds for investors prevents funds from charging excessive fees. “Mutual funds rarely fire their investment advisors, but investors can and do “fire” advisers cheaply and easily by moving their money elsewhere.” Id.. at 634. The court also rejected the plaintiffs’ argument that institutional funds should provide the benchmark for fees, since institutional funds require a lower time commitment. Id.

Result: Courts will question fees only in exceptional circumstances

Courts that follow the Seventh Circuit’s lead in the future will take a laissez-faire approach to fund manager/advisor fees. In order to successfully challenge fees as excessive under section 36(b) of the Investment Company Act of 1940, investors may have to demonstrate extraordinary facts like fraud and deception resulted in the fees charged.

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I’m going to be a senior in high school this year.
WHen should I start applying for colleges?

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I live in nj and this year I will be a senior applying for college. My plan was mainly to stay in-state applying to colleges for accounting like Rutgers,Montclair State, The College of NJ, and Farleigh Dickinson. Should I still apply to a college out of state even though I prefer in-state? If so I was thinking about Lehigh, Univ of Maryland, and Univ of Delaware.

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The first step to getting your online degree is to apply to colleges. Research several colleges offering the degree program you need. Once you have decided on a school, you are ready to begin the application process. While the requirements may vary slightly, most colleges have similar processes. You will need to fill out an application, either online or on paper. Check with the university for application deadlines. Just about all schools charge an application fee; these fees are usually small.

You will need to include any supporting documentation required by the school where you are applying. You will find this information included with the application. All schools require original transcripts from all schools previously attended. This will include both high school and college transcripts. A few schools look for college preparatory courses in high school. Send your requests early to allow enough time for transcripts to arrive at the college. Some schools will require SAT test scores and immunization records as well.

You will have to meet the admission requirements of the college you will be attending. The requirements vary by school and in some cases can be different based on your major. Be sure to check with the university to determine the requirements. Many schools have a minimum SAT score requirement for admission, although some waive this for some programs or for non traditional students. Non traditional students are defined as older students who have been out of high school for at least five years and have work experience. Students transferring from other institutions are in this category as well.

Many schools require students pass placement tests prior to registering for classes. These tests usually have English, math and writing components. This is to determine if potential students have the reading, writing and math skills necessary to succeed in college. If you don’t pass one of the placement tests, you may be required to take remedial courses prior to starting your degree; this is not unusual for people returning to school after many years. Graduate programs will usually require additional testing, such as the Graduate Record Exam (GRE).

When you apply to the school, you can also apply for financial aid. Talk to a representative about programs available to students in the form of financial aid and scholarships. Start the process by filling out the Free Application for Federal Student Aid (FAFSA). Complete the application even if you don’t think you will qualify for federal aid. Most other student loan programs use the same application. To be able to accept federal financial aid, the school must be regionally accredited. Accreditation is a voluntary process and matters mainly for financial aid and transferring credit to other universities. Check with an admissions counselor if you’re not sure about accreditation.

Once you have completed all applications and testing, you will find out if you have been accepted into the program. Once you have been accepted, you will be eligible to register for classes and begin the journey toward your college degree. The admissions counselor at your university can assist you in scheduling your courses. There is often an order in which classes should be taken. Once you have registered, you pay for your classes, get your books and attend orientation, if required.

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I have roughly a year left of under grad studies to complete; I’d like to start graduate studies shortly thereafter.

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