Low down on getting Free College Scholarship

Tips to get Free College Scholarship in 2016-17

The potential of winning a free college scholarship should be attainable for anyone who has the motivation to attend college, but needs financial aid. For many people, a scholarship provides the only opportunity they have for furthering their education, so preparation is essential when considering going to college on a scholarship High school students should begin to build their academic resumes as early as possible: the more they have to show, the better their chances will be of receiving financial assistance for college.

How to get Free College Scholarship?

 

Get Good grade

The first place for students to start when the goal is a free college scholarship is with their grades. Although not all scholarships are based on academic merit, students need to show some consistency to prove that they can fulfill a degree plan. The objective, however, should be to have the highest GPA possible.

Get High score in SAT and ACT test

In addition to grades and grade point averages, scores from tests such as the SAT and the ACT are evaluated and even calculated with other grades to qualify students for some scholarships. If there are pre-tests or practice tests that can be taken, students should take that opportunity to find out where they stand and where they need improvement.

Do More volunteering

High school is also a great time to start volunteering and serving the community. The amount of time that is volunteered is important in receiving free college scholarships, but not as important as the personal characteristics that it develops, such as leadership and dependability. Also, volunteering can open students to new interests that may affect their career choices.

Specific Career Plan

Having clear goals for the future is a quality that is highly regarded by scholarship selection committees and the sponsors of awards. It is in the student's best interest to have specific education and career plans if they have expectations of winning a free college scholarship.

With adequate preparation, free college scholarships should be attainable for most students.

 

Not All Scholarships Are Free

The majority of students who receive scholarships are under the impression that they have been awarded a free scholarship. While in most cases this is true, and a scholarship, by definition, is a gift given to pay for college that does not need to be paid back, there are instances where a scholar will end up owing something. Many people do not consider tax penalties that may be associated with scholarships. There can also be stipulations in some scholarships stating that the students are required to pay back the amount of the award by way of service in their field.

While a scholarship is, in fact, free for most students, scholarship recipients should be aware that scholarship awards are not taxable only when the award is used to pay for tuition, enrollment fees, and books and materials that are necessary for the courses they are enrolled in. On the other hand, if the student uses the scholarship to pay for room and board or for travel expenses, even if associated with school, the amount that is spent for these purposes will be taxed. Even scholarship money that is spent on research may be taxed. Since equipment for research is taxable, is would be wise to inquire with the sponsor of the scholarship or the IRS to distinguish between equipment that is taxed and other materials that are not.

Students, who are awarded scholarships which require repayment in the form of work or service, are in the monetary sense, receiving a free scholarship, but they still owe their time. Those who fail to work as specified may owe the remaining balance, with interest. These are facts that all scholarship recipients should be prepared to face, not things that should discourage anyone from applying for or using scholarships as part of a complete financial aid package.

Get extra refund for vacation after filing this year Income Tax Return?

Income Tax Return (Extra Refund)

This is my third article on personal income tax information. In the last article you see the best free personal tax software to use.

For the last 7 years I am filing my tax return using free software. There are 4 benefits of doing this.

1. Saving of $150 when I could do it myself

2. I didn’t have my own business so I couldn’t deduct my accountant expenses

3. You care about your own money the most (using an accountant is kind of akin to hiring a financial adviser, right?)

4. This is good challenge

In this article you will find how to get more money on your tax return in 2014.

Tip 1-If you contribute to Charity (wait until you amount $200)

Did you know that the rate at which you're able to claim your charitable donations nearly doubles for amounts over $200? For that reason, you should not claim less than $200 in charitable donations in any year. Instead, if you want to optimize your tax situation, carry forward charitable donations (for a maximum of 5 years) and claim them all in a year where your income is higher. You can even combine your donations together with your spouse/common-law partner and claim them all on the return of the higher-income spouse, maximizing the credit.

 

Tip 2-If you have Transit Passes

Keep your Transit Passes: You can get a tax credit of 15%.  If you’re a student, keep your monthly pass because you can deduct the cost you pay for it on your taxes.  If you have a monthly transit pass you can claim those as well (don’t lose them or throw them away! They’re worth something even after the transit pass expires).  The transit passes have to provide detailed information (e.g duration of use, transit authority, amount paid) and are good for a Federal Tax Credit.

 

 

Tip 3-If you have extra money contribute to RRSP

On your Notice of Assessment, you'll find your maximum contribution limit for your RRSP. To maximize your tax advantages, it's usually best to contribute the full amount (for yourself and/or your spouse/partner). But beware! Contributing over your allowed amount may result in actually owing taxes. If you over-contribute, you'll likely need to complete a T1-OVP to calculate the excess contributions and to determine whether you'll pay a 1% tax on those excess contributions.

Do you know when to carry forward RRSP contributions and when to claim them?

Just because you contribute to an RRSP in 2008 does not mean that you need to deduct those contributions on your 2008 taxes. If your income in a tax year is low, consider carrying forward your contributions to a future year when your income may be higher.

During low-income years, it's a good practice to contribute to your RRSPs - even if you're not going to deduct them - because any investment income you earn is sheltered from taxation.

Contribute to your RRSP before March 1: The RRSP deadline is March 1– so hurry up fill yours! You can find how much you’re allowed to contribute on your Notice of Assessment (you know, that form that sent with that cheque?

Tip 4-If you have medical expenses

 

Most people know they can claim payments to a doctor, dentist, nurse, hospital and prescription medications and medical devices. But did you know you can claim:

•Laser eye surgery

•Batteries for a hearing aid

•Incremental costs of special foods for those with Celiac disease

•Certain amounts for attendant care/care in an establishment for a spouse or dependant

•Certain expenses for modifications to your home to accommodate a person with a disability

Did you know...?

•To claim medical expenses, they must exceed 3% of your net income

•To maximize your family's claim, you should claim all medical expenses for yourself, your spouse or common-law partner and your dependants (under 18) on one tax return

•It's usually better for the spouse with the lower income to claim medical expenses - but, if the lower-income spouse already has enough tax credits/deductions, claim them on the higher-income spouse's return or carry them forward

•If you have to travel more than 40km to get medical treatment not available locally, you can claim your travel costs as medical expenses - and more than 80km of travel lets you claim accommodation costs, too

 

Tip 5-If you have family (getting tax credit)

If you are supporting one or more individuals, you may be eligible to claim tax credits for them. You can often claim credits for your spouse/partner, children, infirm adults (if you are the caregiver) or certain other relatives living with you. Plus, you may also be eligible to receive a transfer of any unused credits they have on their personal income tax returns.

Tip 6-If you have RESP

Contributions to a Registered Education Savings Plan (RESP) are not tax deductible. However, any earnings on that investment are sheltered from taxation and not subject to tax until withdrawn when the recipient begins post-secondary education.

Limits for contributing to RESP’s

•There is no annual limit for RESP contributions (prior to 2007, the annual limit was $4000)

•The lifetime RESP contribution limit is $50,000

 

Tip 7-.If You Plan your borrowing (business & investments)

Because interest paid on a business or investment asset loan is tax deductible, use borrowed money to purchase business & investment assets, and use your personal cash to purchase personal use assets, such as a house or vehicle. In order to deduct the interest cost, the direct use of the borrowed funds must be to purchase business or investment assets. If you are self-employed, borrow to invest in your business, not to purchase investment assets such as stocks or bonds.

 

Tip 8-If you Move to another province

The provincial tax rates you are subject to are based on those of the province where you live as of December 31 of that calendar year. If you are moving to a lower provincial tax rate province, move before the calendar year is up in order to be eligible for the lower rates in the year of filing. Likewise, if you are moving to a province with higher tax rates, wait - if you can - until after December 31 to qualify for one more year of lower tax rates.

Remember that it is the province in which you reside on December 31, not necessarily the province where you are employed, that determines your provincial tax rates.

 

Tip 9-If you have Student Loan

If you are repaying your student loans, you are likely paying interest. But there's good news: You can claim your interest paid on those loans. (Wouldn't getting a bigger refund be a great way to pay down your loans?) Also, you can carry forward student loan interest for up to 5 years. So, if you paid student loan interest in 2004 or in subsequent years and did not claim it on a previous tax return, you can claim it on your 2010 taxes.

Tip 10-.If you paid tuition

If you paid tuition to a specified educational or training institution during the tax year, you are eligible to claim a credit for your tuition fees paid. This not only applies to post-secondary education taken towards earning a degree but also to employment training courses not provided by your employer. Taxpayers are also eligible to claim an education credit for each month spent as a full-or part-time student.

If you’re a recent you can wait to claim your tuition credits for later on, when you’re earning the big bucks.

You can claim:

•Tuition fees for post-secondary education

•Lab expenses

•Library fees

•Examination fees

•Mandatory computer service fees

•Transit passes

•Some textbooks & books included in fees for correspondence courses

•Any GST, HST or PST included with the above

You cannot claim:

•Private tutoring

•Summer school programs

•Supply & equipment costs

•Student association fees

•Social or athletic fees

•Parking fees

•Board & lodging expenses

•Driver's education

•Music, art, drama or dance lessons not associated with a post-secondary educational program

•Camp fees

•Pre-school or play school fees

Carry Forward or Transfer Tuition & Education Credits

If you're a student, you may carry forward unused tuition & education credits to a year when your income may be higher - or you can transfer them to a supporting person (e.g., spouse, common-law partner, parent, and grandparent). NOTE: You can only transfer current-year education & tuition amounts, not balances that you carried forward from a previous year.

Tip 11-If you are working from home

If you work from home more than 50% of the time, there are a large number of deductions that you can account for.  You can deduct your internet expenses and stationary bought provided that you use these to obtain income.  If you rent, you can deduct the portion of rent and any other maintenance costs you would pay for your office space.  Per the CRA “Work space in the home expenses” site, you can also deduct:

You can deduct the part of your costs that relates to your work space, such as the cost of electricity, heating, maintenance, property taxes, and home insurance. However, you cannot deduct mortgage interest or capital cost allowance.

 

 

Tip 12-If you have capital losses

Did you know that capital losses can be carried back 3 years to recover tax paid on capital gains? If you had no capital gains in 2010 but you did have losses, you could use your capital loss to offset a capital gain in any of the 3 previous years (i.e., 2007, 2008 or 2009 taxes).

 Tip 13-If you have a pension income

As of 2007, Canadian pensioners became able to split their pension income - whether from a corporate/other pension plan or certain annuities from an RRIF or RRSP - with their resident spouses or common law partners. If you have eligible pension income, you can use this tax opportunity to split up to one half of your pension with your partner, which may mean significant tax savings for you both.

 

Tip 14-If you want to earn without paying tax

The Government of Canada has called it the single most important personal savings vehicle since the introduction of the RRSP. Have you heard about the tax free savings account (TFSA)?

The TFSA became available on January 1, 2009. It allows Canadians aged 18+ to save up to $5,000CDN every year in a TFSA and to withdraw funds and/or investment income - including capital gains - without being taxed. You can also put back the money you've withdrawn without reducing your allowable contributions.

Although there is no tax credit for contributions to a TFSA, Canadians can realize significant savings in using a TFSA to earn interest without paying taxes on that interest.

Tip 15-If you not file a return

Even if you are certain that you have no balance owing or refund due in a given year, file a tax return for that year. Why? Because filing:

•Reduces the ability of the CRA to subsequently make arbitrary adjustments to your income and taxes owing for that tax year

•Determines your eligibility for government programs, like the Canada Child Tax Benefit (CCTB), GST/HST credit or any new tax rebates that may be announced

•Reports earned income, which increases your future RRSP contribution room - and we all know the value of RRSP as tax reduction tools

 

2014 Yearly Free Horoscope for all Zodiac signs (Detail Forecasts from Aeries to Pisces)

Free 2014 Yearly Horoscope Detail Forecasts from Aeries to Pisces

This is 4rth part of article on 2014 Free Horoscope. In this part you saw the details forecast -Libra, Scorpion and Sagittarius. . In this article you will see three more signs Capricorn, Aquarius and Pisces

Free Capricorn horoscope (December 22 to January 19)

 

Capricorns haven’t had an easy time of it lately as a certain way of life is ending and old reliable structures have been breaking down. However, it does give you the platform to start building new ones up that better support the path you’re meant to take into the future. This year you’re meant to focus on your public and professional life. You can make a name for yourself in some way, and those who work before the public net positive reviews and a soaring reputation. This year you’re challenged to move to a higher level, show up and take full credit.

You may feel like the number of true friends you can count has dropped to those on one hand. This is thanks to Saturn, your ruler, which entered your solar eleventh house of friends and group activities on 6 October 2012, where he will socialise until 24 December 2014. This creates a period of clearing out the social deadwood from your life. Saturn in Scorpio will eliminate a number of pals from your life now and reduce your circle to a particularly tight-knit bunch. Only the stayers, the most loyal and the longest-term friends will remain.

Saturn has a particularly strong restrictive and reductive quality: he lets you have nothing in your life which is not good and/or useful for you, whether this is a job, lover or friends! For Capricorns, your Christmas card list has been slowly dwindling as you discover who are your fair-weather friends, some of whom you’d be better referring to as acquaintances, fellow clubbers or strangers on Facebook or even frenemies! Others have left your vicinity or sense of common purpose ie they’ve left the company, they’ve moved interstate or overseas, found a partner or become parents.

Capricorn - Jobs and Career in 2014

Intelligence, hard work, cool efficiency and organization will take them a certain distance, but will not carry them to the very top. Capricorns need to cultivate their social graces, to develop a social style, along with charm and an ability to get along with people. They need to bring beauty into their lives and to cultivate the right social contacts. They must learn to wield power gracefully, so that people love them for it – a very delicate art. They also need to learn how to bring people together in order to fulfil certain objectives. In short, Capricorns require some of the gifts – the social graces – of Libra to get to the top.

Once they have learned this, Capricorns will be successful in their careers. They are ambitious hard workers who are not afraid of putting in the required time and effort. Capricorns take their time in getting the job done – in order to do it well – and they like moving up the corporate ladder slowly but surely. Being so driven by success, Capricorns are generally liked by their bosses, who respect and trust them. Saturn in your 11th house suggests people you know and mix with socially may also be linked with your career. Some of these people will take a negative attitude to your goals or towards your current success. Don’t allow yourself to be influenced by this.You have the vitality and energy as well as the enthusiasm to follow your most cherished ambitions in 2014. Just be careful about who you discuss your future career plans with as if the wrong people get to hear what you are thinking about this could give rivals an opportunity to get in first on a project you have set your sights on.

Capricorn -Love and Relationships in 2014

Capricorns have a deep romantic nature, but they do not show it straightaway. They are cool, matter of fact and not especially emotional. They will often show their love in practical ways.It takes time for a Capricorn – male or female – to fall in love. They are not the love-at-first-sight kind. If a Capricorn is involved with a Leo or Aries, these Fire types will be totally mystified – to them the Capricorn will seem cold, unfeeling, unaffectionate and not very spontaneous. Of course none of this is true; it is just that Capricorn likes to take things slowly. They like to be sure of their ground before making any demonstrations of love or commitment.

Even in love affairs Capricorns are deliberate. They need more time to make decisions than is true of the other signs of the zodiac, but given this time they become just as passionate. Capricorns like a relationship to be structured, committed, well regulated, well defined, predictable and even routine. They prefer partners who are nurturers, and they in turn like to nurture their partners. This is their basic psychology. Whether such a relationship is good for them is another issue altogether. Capricorns have enough routine in their lives as it is. They might be better off in relationships that are a bit more stimulating, changeable and fluctuating.

Saturn in your friendship zone suggests that there is something serious about your group involvements in 2014. You might be asked to join a committee and this will involve regular meetings and helping others make some difficult decisions. Pluto in your sign could bring a degree of partnerships in your closest relationships as established emotional ties will either break up or receive a shake-up.

Capricorn-Money 2014

Capricorns generally attain wealth and they usually earn it. They are willing to work long and hard for what they want. They are quite amenable to foregoing a short-term gain in favour of long-term benefits. Financially, they come into their own later in life. However, if Capricorns are to attain their financial goals they must shed some of their strong conservatism. Perhaps this is the least desirable trait of the Capricorn. They can resist anything new merely because it is new and untried. They are afraid of experimentation. Capricorns need to be willing to take a few risks. They should be more eager to market new products or explore different managerial techniques. Otherwise, progress will leave them behind. If necessary, Capricorns must be ready to change with the times, to discard old methods that no longer work.

Very often this experimentation will mean that Capricorns have to break with existing authority. They might even consider changing their present position or starting their own ventures. If so, they should be willing to accept all the risks and just get on with it. Only then will a Capricorn be on the road to highest financial gains.

Free Aquarius Horoscope (January 20 to February 18)

This year you’re looking at your life in a larger sense. Your ideals and attitudes are changing and growing as you incorporate new belief systems, or question your old ones. Whether it’s by plane, train or armchair, you’re traveling, learning and expanding your mind. What’s it all about? This year you’re on a quest to find out.

Aquarius-Jobs and Career in 2014

In 2014 your boss and most important clients will demand one challenge after another from you. Overtime could seem standard practice now. If you apply for promotions now you’d better have all your successes ready to reel off. If you’re the boss it’s time for you to solidly grow your business, creating a stable platform for future growth. Your competitors will be watching as will the public. So much will be expected of you now that while some of you may fear failing, many more of you will be equally afraid of success: career counselling and mentoring will definitely help. But help is on the way! You may be given a raise, promotion, an increase in commission or more glamorous clients as soon as 13 November 2014. If you have your own business you may receive priceless publicity on TV or the radio.

Saturn goes retrograde from 2 March to 20 July 2014 during which time your move to a new role, company or industry could be delayed while fate could step in and remove you from a job that’s not right for you. Other Aquarius may hear from old bosses wanting to hire them again while others could research the viability of setting up their own business. You may rethink if you even want to have a career during this time!

If you’re reading this at the start of 2014, you might look back and see how your daily routine (ruled by the sixth house) has improved. Has your health improved too? Are you teaming up with others to exercise? Making a game of it to lose weight or quit smoking? Circle 18 April when Venus interact happily with Jupiter to help you land a fantastic new job, expand your business, gain influential new clients, and receive more money! If you’re interested, this would be a terrific day to book yourself into a health retreat to eat and exercise properly and learn the value of work-life balance. You could well meet an important client there but most importantly you will have the motivation to become the most gorgeous you ever! You’ll benefit from more fantastic work and health opportunities on 6 May and 8 June, too.

Then it’s time for you to get married (again)! Only joking – or am I? Jupiter enters your solar seventh house of relationships on  16 July 2014 where he’ll make it fun for you to be part of a couple. Single Aquarians who have met no-one they fancy could have friends, loved ones and strangers trying to match-make them while dating Aquarius will think keenly about settling down. Married Aquarians will enjoy a year-long opportunity to fall for their partner all over again. And you may get a business partner too. Creating closeness will be fun. You may also deal with the public now more during this period but also, become aware of those who don’t have your best interests at heart. Because Jupiter creates so much goodwill, even ex-partners will remember you fondly while business competitors may be willing to pass some work your way if it is not an area they specialise in. Products and services to do with attracting and retaining a happy partner will draw you like a magnet now and if you ever thought you’d never marry (again), well, you may change your thinking on this! You may propose, commit yourself exclusively or marry on the beautifully starred 24 July while love is irresistibly calling for a whirlwind engagement on 18 August or 14 December. Married Aquarius will thoroughly enjoy each other then. Jupiter will be retrograde from 8 December until 31 December 2014 during which time you may get some counselling to resolve outstanding differences in your relationship, hear from exes who realise they made a mistake or call off or postpone an engagement or wedding date which has happened too quickly. All will move ahead from February 2015!

Aquarius -Love and Relationships in 2014

Jupiter in your 7th house between July 16 and the end of year suggests there will be many romantic opportunities coming your way. If you are single, there will be ample chance to meet new and exciting admirers. Partners and close associations are a big feature in your life in the second half of the year and because you have an adaptable nature and you’re always willing to listen to new ideas, people will feel encouraged by your feedback. Joint activities will be both fun and worthwhile. Aquarians are good at friendships, but a bit weak when it comes to love. Of course they fall in love, but their lovers always get the impression that they are more best friends than paramours.

Like Capricorns, they are cool customers. They are not prone to displays of passion or to outward demonstrations of their affections. In fact, they feel uncomfortable when their other half hugs and touches them too much. This does not mean that they do not love their partners. They do, only they show it in other ways. Curiously enough, in relationships they tend to attract the very things that they feel uncomfortable with. They seem to attract hot, passionate, romantic, demonstrative people. Perhaps they know instinctively that these people have qualities they lack and so seek them out. In any event, these relationships do seem to work, Aquarian coolness calming the more passionate partner while the fires of passion warm the cold-blooded Aquarius. The qualities Aquarians need to develop in their love life are warmth, generosity, passion and fun. Aquarians love relationships of the mind. Here they excel. If the intellectual factor is missing in a relationship an Aquarian will soon become bored or feel unfulfilled.

Aquarius-Money in 2014

In financial matters Aquarians tend to be idealistic and humanitarian – to the point of self-sacrifice. They are usually generous contributors to social and political causes. When they contribute it differs from when a Capricorn or Taurus contributes. A Capricorn or Taurus may expect some favour or return for a gift; an Aquarian contributes selflessly.

Aquarians tend to be as cool and rational about money as they are about most things in life. Money is something they need and they set about acquiring it scientifically. No need for fuss; they get on with it in the most rational and scientific ways available. Money to the Aquarian is especially nice for what it can do, not for the status it may bring (as is the case for other signs). Aquarians are neither big spenders nor penny-pinchers and use their finances in practical ways, for example to facilitate progress for themselves, their families, or even for strangers.

However, if Aquarians want to reach their fullest financial potential they will have to explore their intuitive nature. If they follow only their financial theories – or what they believe to be theoretically correct – they may suffer some losses and disappointments. Instead, Aquarians should call on their intuition, which knows without thinking. For Aquarians, intuition is the short-cut to financial success.

Free Pisces horoscope (February 19 to March 20)

You’ve always been a visionary and you often feel inspired by different ideas and creative options. Sometimes though, the practical application of those ideas can be challenging. This year you’re more focused on getting things grounded. You’re applying single-pointed energy in one area and reaping practical results.

Pisces- Jobs and Career in 2014

With Saturn in Scorpio, in your solar ninth house of travel since 6 October 2012 (where he will be passing through until 24 December 2014), it’s quite likely that long-distance trips have been marked with obligations, delays, or cutbacks of some kind for the last two years.  If you travel at all under Saturn’s influence here – Saturn IS known after all for obligations, delays, or cutbacks – it will be to undertake a duty of some kind. You may have had to use your holidays to babysit or take care of an elderly relative who lives interstate or overseas, to work long hours far away from your friends and family, missing out on fun events, or been unable to get away. Work trips and conferences may feature such long hours that all you see is your hotel walls or they’re scheduled at such times that you’re forced to miss out on important milestones. Since the ninth house also rules legal matters, higher education and publishing, other Pisces may have been struggling to complete a diploma, degree or doctorate, been unhappy about a long-running legal issue or had a publishing project (offline or online) which has been  plagued with delays.

Jupiter has been in your solar fifth house of love and creativity since 26 June 2013 and he’s been basically forcing you to put the laptop, Blackberry and Filofax down to really enjoy life. To make sure little workaholic Pisces really get the message about taking time out, he’s going to stay on until 16 July 2014 to make you relax, enjoy life, Feel the Love and experience the joy of being loved and happy. Single Pisces is destined to meet The One in the first half of this year and many dating Pisces could be surprised – and then delighted – to discover they’re pregnant. Married Pisces will look fondly back on this time as a period which really bonded you together. Your life will seem blessed with love, fun and romance on 18 April when Venus interact happily with Jupiter to transform your life in the most amazing way. This is one of the BEST day of the whole year to revamp your looks and outfits (call in the stylists, hairdressers and beauty technicians) to regain your youthful spirit and in doing so, you may prove romantically irresistible! Look out for gorgeous and fun dating opportunities as well as great day out with the kids on 6 May and 8 June, too.

Then, since Pisces tend to feel guilty if they’ve been goofing off too much or for too long, it’s back to the grindstone. However, with Jupiter in Leo, in your solar sixth house of work and health, even THIS will be fun! You’ll enjoy hanging out with colleagues, meeting suppliers, competing with others and yourself to do the best work ever. You will be keen to gain new skills and to promote your achievements more in your company. You may receive enticing offers from head-hunters to recruit you for a better role, undertake freelance commissions, contract jobs or decide to work for yourself. You can also have fun getting fit and healthy, too. Grab a pal or a dog for regular walks, join a gym, try Zumba classes or if you’re really keen, boot camp. Other Pisces may enjoy hiking on the weekends or bike-riding while those of you in the southern hemisphere may perfect your technique on the black runs during winter. A health spa where you learn what (not) to eat could be fun, too. Some of you might have a competition with a loved one to lose weight by your birthday. You could feel bad about your working routine and/or health on 2 August but use the beautiful 24 July or 18 August to create a happy new start for yourself in either or both areas. An eccentric family member could pass some amazing work opportunities your way on 23 July. While Jupiter is retrograde from 8 December until 31 December 2014 you will need to be patient regarding a new project, role or company growth. The job you seek may not become available until February 2015 and those of you on diets may reach a plateau until then, too. Don’t give up!

Pisces -Love and Relationships in 2014

A general sense of wellbeing will be complemented by an unusually busy social calendar and this should keep you happily occupied at the start of the year and looking forward to changes for the better. With Neptune in your sign you have an aura of sex appeal about you which will attract admirers and invitations to parties and other social events throughout the year. If you are single, you could find the perfect partner for you while attending a rather strange occasion such as a ghost-hunt, fancy dress party or stage medium.

Partnerships, alliances and close relationships of all kinds are highlighted in the summer and this should be a generally happy period with a pronounced romantic chord for both the single and committed Piscean. It is not surprising that someone as ‘otherworldly’ as the Pisces would like a partner who is practical and down to earth. Pisces prefer a partner who is on top of all the details of life, because they dislike details. Pisces seek this quality in both their romantic and professional partners. More than anything else this gives Pisces a feeling of being grounded, of being in touch with reality. As expected, these kinds of relationships – though necessary – are sure to have many ups and downs. Misunderstandings will take place because the two attitudes are poles apart. If you are in love with a Pisces you will experience these fluctuations and will need a lot of patience to see things stabilize. Pisces are moody, intuitive, affectionate and difficult to get to know. Only time and the right attitude will yield Pisces’ deepest secrets. However, when in love with a Pisces you will find that riding the waves is worth it because they are good, sensitive people who need and like to give love and affection.

When in love, Pisces like to fantasize. For them fantasy is 90 per cent of the fun of a relationship. They tend to idealize their partner, which can be good and bad at the same time. It is bad in that it is difficult for anyone to live up to the high ideals their Pisces lover sets.

Pisces-Money in 2014

Income tends to be up and down this spring, thanks to unpredictable Uranus. You may have a sudden influx of funds, but they could leak out just as fast as it came in. Conflict when dealing with shared finances, inheritances or insurance requires you to compromise or co-operate in order to get what you want.

With Saturn in your 9th house your work could take you out and about. In fact you could be travelling a lot in connection with your profession. With Uranus in your income zone, you could see some up and down trends concerning money throughout the year. Sometimes it will feel as if it gushes in and won’t ever stop but then when it does stop you may wonder where your next penny is going to come from! Money is generally not that important to Pisces. Of course they need it as much as anyone else, and many of them attain great wealth. But money is not generally a primary objective. Doing good, feeling good about oneself, peace of mind, the relief of pain and suffering – these are the things that matter most to a Pisces.

Pisces earn money intuitively and instinctively. They follow their hunches rather than their logic. They tend to be generous and perhaps overly charitable. Almost any kind of misfortune is enough to move a Pisces to give. Although this is one of their greatest virtues, Pisces should be more careful with their finances. They should try to be more choosy about the people to whom they lend money, so that they are not being taken advantage of. If they give money to charities they should follow it up to see that their contributions are put to good use. Even when Pisces are not rich, they still like to spend money on helping others. In this case they should really be careful, however: they must learn to say no sometimes and help themselves first.

Good Luck to all in 2014 and 2015 and more…………………….

Free and Printable Nursing Entrance exam Practice Sample Questions with answers

Print Practice and Pass Nursing Entrance exam 2013

This is my 13th part article on getting nursing and other health related jobs. In this article you will see some more free nursing questions with answers. This test can be also used for passing other health related exam.

Nursing entrance practice Test Questions 176-186

Q 176

 Breathing properly requires the presence of what compound that affects surface tension of alveoli in the lungs?

A. Potassium

B. Plasma

C. Surfactant

D. Sodium Chloride

Q 177

 Which of the following is not considered a function of the kidneys?

A. Secretion

B. Reabsorption

C. Transport

D. Filtration

Q 178

 The functional unit of the kidney is known as?

A. Medulla

B. Glomerulus

C. Pyramid

D. Nephron

Q 179

 Which of the following formulas indicate the ideal gas law?

A. PV= knT or PV=RnT

B. V=kT

C. PV = k

D. KTV =PR

Q 180

 Which of the following is not considered a characteristic or property of a gas?

A. Volume

B. Mass

C. Pressure

D. Particles

Q 181

 The movement of food through the intestines is known as:

A. Peristalsis

B. Ileum translation

C. Microvilli propulsion

D. Flexure propulsion

Q 182

 The enzyme maltase does the following:

A. Breaks down lactose to glucose

B. Turns glucose into maltose

C. Breaks down maltose to glucose

D. Turns glucose into lactose

Q 183

 High levels of bilirubin in the blood stream can result in:

A. Uric acid overexposure

B. Jaundice

C. Bile salt production

D. Hepatic mutation

Q 184

 The symbol B on the periodic table stands for:

A. Beryllium

B. Boron

C. Barium

D. Berkelium

Q 185

 The symbol Mn on the periodic table stands for:

A. Magnesium

B. Molybdenum

C. Manganese

D. Margon

Q 186

 The symbol Ca on the periodic table stands for:

A. Calcium

B. Carbon

C. Cobalt

Answer key Nursing entrance practice Test Questions 176-186

176. C

177. C

178. D

179. A

180. D

181. A

182. C

183. B

184. B

185. C

1866. A

Free, new and Printable FSOT (Foreign Service officer test) Sample Questions Part VII (1-100)

Free and New FSOT Practice Test Sample Questions 2013-14

This is 7th part of blog on Free FSOT test Sample Questions for 2013-14. In this part you will see questions related to Management Practice Questions. These questions can be practice for other Management Exams too.

Print Practice and Pass FSOT

Good Luck to all..............

Free FSOT test Sample Questions- FSOT Management Practice Questions 84-90

Q 84

 An employer could be liable to litigation under Title VII of the Civil Rights Act of 1964 if:

A. an employee is made to feel uncomfortable by a co-worker who tells jokes of a sexual nature

B. a manager makes demonstrative physical contact with a subordinate of the same sex

C. an employee is subjected to unwelcome advances, but no economic injury occurs

D. any of the above occur

Q 85

 When a manager is using personal involvement as a motivational strategy, the biggest risk is with those employees who:

A. have low self-esteem and cannot form high performance expectations

B. make only verbal commitments to their goals

C. make a public commitment as a group instead of as individuals

D. are overconfident in their performance abilities

Q 86

Performance management is one method that can be substituted for:

A. merit pay

B. traditional appraisal systems

C. annual or quarterly bonus schedules

D. quota systems

Q 87

 Under FSLA, an exempt employee earning an hourly rate of $28.50 who works 45 hours would earn a paycheck of:

A. $1285.50

B. $1353.75

C. $1710.00

D. $1923.75

Q 88

 Employers are required to complete an I-9 form on all employees to verify:

A. eligibility to work in the United States

B. criminal records

C. proper payment of income taxes

D. employees meet age requirements

Q 89

 Managers should ensure that all employees are provided with clear, accurate job descriptions, the lack of which could expose the employer to:

A. sexual harassment claims by employees

B. lawsuits for violations of the ADA

C. increased payroll costs

D. all of the above

Q 90

Managers can best address the vagueness associated with rating and ranking scales in employee appraisal systems by supplementing standard company forms with:

A. forms and rating scales designed specifically by the manager

B. verbal appraisal of employee performance

C. written comments explaining scale ratings

D. preferable forms used by other companies

Answers-Free FSOT test Sample Questions- FSOT Management Practice Questions 84-90

84. D. All situations could subject an employer to legal liability under federal law. Economic injury or loss of job is not required to make a sexual harassment case.

85. A. Personal involvement can build deep commitment to success and high performance standards by allowing employees a role in developing their own goals. Employees with low self-esteem need managerial support in improving their self-image to create correspondingly high goals. Verbal commitments and public group commitments have typical high success rates.

86. B. Performance management can replace traditional employee appraisal systems and focuses on the whole employee picture from new hire to exit interviews.

87. A. An employee defined as exempt under FSLA is not entitled to overtime and would earn the hourly rate at straight time.

88. A. This form has been required by the Federal government for citizens and non-citizens since 1986 to verify eligibility to work in the United States . It requires the submission of proof of eligibility in several possible forms including driver's license, social security card, or visa.

89. B. Job descriptions that are unclear can result in legal issues surrounding job performance and management actions such as termination. Employers could be open to charges of discrimination under such federal laws as the Americans with Disabilities Act.

90. C. Managers should avoid using documents not approved by company legal advisors and should always use the paperwork specified by the legal or human resource departments. Managers should also avoid relying on verbal exchanges to suffice and can supplement with written, explanatory comments.