What are your financial aid options as a member of the Army Reserve?

You can get a voluntary education as a member of the Army Reserve. They support your getting ahead in this way, and additional education can help you with promotions as your career progresses. You need to do the school on your personal time, but the Army Reserve’s tuition assistance makes it much easier for you to spend time studying instead of worrying about how to pay for courses. This arrangement is different from what the active duty Army offers, including MOS training for enlisted personnel and AOC for commissioned officers in their ranks.

Let’s look at the way you can get tuition assistance:

Specifically, you could qualify for 100% scholarship for tuition up to $166/quarter hour or up to $250/semester hour (depending on whether your school is on the quarter or semester system). The annual total limit is $4500.

If you are an officer and are pursuing a bachelor’s degree, the USAR offers 75% assistance up to $250 per semester hour, or $166 per quarter hour, up to $4500 annually in total.

Requirements for Applying

The eligibility requirements are specific for you to qualify for tuition assistance as an Army Reservist. These include:

Go for a degree higher than the one you already hold.

Be a drilling reservist and be in good standing.

Confirm that you have enough time in your current term of service to complete your course of study using the financial assistance you can access, for warrant officers or enlisted personnel.

There is essentially a service payback for commissioned officers. In that status, you would have to have four years or more of Selected Reserve service ahead of you after you finish the coursework for which you get scholarship financial aid.

In signing up for your independent study education, you have to comply with required Army Reserve procedures.

Spouses of Enlisted Personnel Can Use Additional Programs

The United States Army also offers what is called the Spouse Education Assistance Program, or EAP, to spouses of qualifying members who are currently serving in Korea, Europe, Okinawa, and Japan. This is a grant for serving members’ spouses to help with educational expenses, and has a maximum value of about $350 per term.

For more information, to get help with applying for Army reserve tuition assistance or other educational assistance for Army members and their spouses, contact your local Army Reserve Education Office.

Discover more tips about Army Reserve Tuition Assistance. Stop by Alex Peterson’s site where you can find out all about GI Bill use for your education and what it can do for you.

Let’s say the theory of the apocalypse is true, you should learn to anticipate and prepare for the calamities like asteroid showers, destructive storms, gigantic tidal waves, eruptions of volcanoes and continental reversal. Considering these things, the areas by which you will select how you can best remain are very important to survive. Read on to familiarize yourself with the primary considerations on how to choose the best place to live.

First of all, steer clear from areas that are dormant as well as those places near the water shorelines. To live near volcanoes is very dangerous since any aggressive movements on Earth’s mantle will definitely cause them to erupt. You should also have second thoughts on living in an area where there is a volcano that has been dormant for years or centuries nearby.

With this, countries in South America and Asia have to be stayed away from as they house the most number of volcanoes in the world. The instant a volcano explodes, it will have movements that will trigger the ocean to make gigantic tidal waves. That is why, living near water lines would just put your life at risk. It is needless to say that the height of tidal waves with this kind of blast is so much that it can wipe out cities such as New York or Manhattan.

Also, since we are looking for the likelihood of a solar storm, you may also expect nuclear explosions made by the super power countries. Nuclear reactors will explode and just before Planet X collides with Earth, the casualties are already high because of the nuclear toxins. Thus, nations like Unites States, China, Russia, Australia, and Europe have to be avoided because such underground bunkers will not be safe enoughtr o be your refuge.

As of the moment, there is one spot on Earth that is said to be the safest according to the scientists. Being the largest flat terrain on the world, scientists are eyeing North Africa to be the cradle for underground communities once the apocalypse has occurred. Although there is one nuclear reactor in South Africa, the possibility of a great explosion is far lesser than those which is going to happen in countries mentioned above.

Take note that there are actually a great deal of organizations worldwide that invest resources for to build underground refuge tosurvive. Although there may be some requiring you to pay individual entrance fees, there are those who will ask for your help in putting it up. Such survival communities manage the act of preserving resources like the plants, animals, and minerals, at the same time the preservation of knowledge.

Knowing your 2012 survival map is one step closer to avoid possible human extinction. This is in fact the most tangible way of survival in times like these. To think is indeed necessary so that you can be sure you can prepare the ways of combatting this immense calamity.

Are you becoming weary as to where you will stay when the apocalypse comes? Know your 2012 survival map and start building your own underground shelters or join communities towards survival; simply, visit our website to learn more about these safe places.

One type of astral projection is lucid dreaming. This occurs when you are dreaming and know it. When your conscious mind knows you are dreaming you can astral project very easily. Get into the habit of telling yourself ‘I am dreaming’ when you are having a lucid dream.

When you do this you will wake up within your dream and you will be free to do what you want in the dream. For beginners this can be too random a practice to successfully astral project.

You need to know that astral projection is real. You should also know that you have astral projected already, you simply were not aware that is what had happened. Have you ever woken up from a dream either in the middle of the night or in the morning and remembered a dream that you had the night before really well. As if you had lived it. That was an astral projection.

The key to success in astral projection is to believe you can do it. Any doubts or fears you have will only hold you back and make it harder for you to astral project.

Learning to relax and meditation is another helpful tool when learning to astral project. Your mind and body needs to be prepared to achieve astral projection. Meditation is a great preparation for the experience. Find a meditation you like and practice it.

A fairly simple meditative practice could be sitting in your favorite comfy chair, in a quiet place with no distractions. Once you are comfortable it is time to clear your head of anything and everything that is floating around in there. Do not focus on any stresses or troubles that are burdening you. The best way to do this is to focus on your breathing, your breathing should be deep and slow. With each breath you should see all the troubles in your head leaving you through your mouth. This will help you reach that deeply relaxed state that is needed to astral project.

The next step is to go into an altered conscious state. Keep focusing on your breathing, your problems are gone, your mind is blank. Breathe slow and deep, in through the nose and out the mouth, becoming more relaxed with each breath. It is time now to get your body relaxed as you breathe slower and deeper.

Focus on each part of the body, starting at the farthest points, your toes. You can do one of two things here. You can either tense and relax each part of your body as you move up the body or you can say as you exhale, My toes are relaxing, I am relaxing.

The best way to describe what you are going to feel is heavy it is going to feel as though all of the energy and tension is slipping away from each part of your body. You will know it when it happens. Once you have relaxed each part of your body it is time for you to move to the next step that is going to help you astral project.

You may feel like sleeping at this time, you need to avoid this. Many recommend repeating a command such as ‘I can fly, I can fly.’ You can say anything you want, just try to come up with something that will keep you from slipping into sleep.

The mind tends to get bored when it is not doing anything, which can mean that it will drift and find something else to focus on. You dont want that to happen. If the mind wanders then you need to quit the session. To help bring the mind back repeat your phrase.

Now, there are a couple of methods that can be employed to reach altered consciousness. You can use your repetitive statement to reach the altered state of consciousness. You can also use the body of light method, which is where you envision a body of light that you are going to see yourself transform into.

When you begin to astral project three things will happen to let you know. You will have a feeling of movement. You will notice different colors and lights in front of you. Your eyes will be closed as you are still in your chair or bed. When you see the lights this is when you are passing into the astral zone. Voices will tell you to go on and encourage you or tell you to stop now as a warning. When you hear these voices, it means you have succeeded in astral projecting.

The author John Pereira writes for the http://www.astralprojectiontravel.com website. You can learn how to astral project and you can try it yourself when you get 29 Free astral projection Binaural and hypnosis mp3 audios when you visit here.

Energy production has taken the path of attempting to produce more energy from the same components, as evidenced by nuclear power plants. This concept is the opposite of efficiency. Efficiency in energy usage studies how to get more benefit from existing energy sources.

Any entity that uses energy, whether it is an automobile, light bulb or huge manufacturing complex can be a target for reducing the amount of energy that is required to operate the entity. Installing skylights instead of additional light fixtures is efficiency at work. Making automobiles that get more miles per gallon is another way to make better use of energy. Trapping the heat from manufacturing processes and using it for building heat is another example of being energy efficient.

Efficient use of available energy helps to address the problem of dwindling resources and sky rocketing costs. New oil fields may be found beneath the earth’s crust, but they are still a finite energy source. By creating a more efficient use for oil, the reserves will last longer.

Since the 1970s, more effort has been expended in making building codes more energy conscious. Individual efforts are helpful but are less certain to create efficiency in the uses of energy. Studies have found that up to 75 percent of the energy used in the United States today could be eliminated through simple measures that are not costly or burdensome.

A three-fold process for increasing energy efficiency places efficiency first, use of renewable resources second and new fossil power sources in third place. The benefits are not only in non renewable resource protection, but in the cost per unit of electrical power produced and delivered. Ultimately, efficiency in both cost and service should be the goal of a technologically advanced and energy conscious society.

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Many new buildings are being constructed to be energy efficient and older buildings can be inspected to determine what can be done to make your home or business more efficient. Being energy efficient is the number one solution for stopping and reversing global warming. Of course using renewable energy sources instead of burning fossil fuels is the other solution.

The other important benefit of being truly energy efficient is that efficiency will significantly reduce your energy costs and allow you to retain monies that otherwise would be given to the utility companies. Keep in mind though that making your home or business truly efficient will require an investment on your part. The good news is that the investment usually comes with a strong ROI and the investment will likely be paid back after only a few short years. In addition to insulation and day lighting opportunities, look to higher efficiency equipment and appliances to help improve energy efficiency.

Most of today’s energy efficient appliances and equipment uses much less energy than the comparable older models. By using less power this reduces the amount of carbon dioxide emission released into the atmosphere during the electricity generation process. These appliances and equipment are given efficiency ratings and the Energy Star label. When the appliances or equipment are not in use they will either turn off or go into a low energy mode. So if your appliances or equipment are at the end of their useful life, consider replacing them with new, high efficiency models.

There are several things you can change in your home or business to make it more energy efficient. Another is to make sure your window seals are tight and not letting air in or out. Many times this may mean getting replacement windows or caulking the edges. You also may need to add double glazed windows or different insulation.

Again, there are many ways you can make your home and business energy efficient so go out a get it done!

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Vendors that advertise power factor improvement (kVAR correction) and transient voltage suppression to save energy are a good case in point of this bad trend. Recently we are seeing more and more of these businesses cropping up and we believe it is time to set the record straight.

First off, transient voltage surge suppression (TVSS) plays an important part in improving power quality to guard sensitive equipment inside a facility. However, TVSS does not save energy. TVSS’s are barely active an infinitesimal portion of a second to defend against voltage surges which only last for less than a millisecond. To actually decrease energy use the TVSS would need to essentially cut power consumption for an extended amount of time which is not what they are designed to do. Again, TVSS is essential to protect susceptible electrical equipment but consumers should steer clear of vendors promising, or even guaranteeing, a reduction in energy consumption.

And what about salespeople who maintain that increasing power factor will save 15% or 20% or 30% of energy consumption and resultant costs? This is false but also a bit trickier.

For homes, power factor correction does zero to save energy because the average home already has an average power factor of approximately 0.97 which is nearly the perfect power factor of 1 or unity. Additionally, the unit (called a capacitor) is installed at the homes main circuit breaker. According to IEEE 5.5.3.3 capacitors must be located at or near the individual inductive motor loads to decrease power system losses by reducing heat and distribution losses known as I2R losses.

So what about commercial and industrial facilities looking to use power factor correction to shrink energy expenditures? It is completely appropriate for a business that is incurring penalties or a kVA billing structure from the utility company to improve the facility’s overall power factor by installing a capacitor bank at the main electrical service entrance or individual capacitors at or near the particular motor loads. Doing so will do away with the power factor penalties and/or reduce the kVA demand charges on the electric bill which can save considerable money and provide a significant ROI on the investment.

But what about power factor correction reducing kWh consumption? IEEE also tells us that at most I2R losses only account for 2 to 5% of the total load in a facility. Simple arithmetic tells us that it would be in opposition to the laws of physics to obtain the 15% to 30% energy reduction claimed by some vendors. Consider it. Even if your facility had 5% distribution losses and you could correct 100% of the predicament via power factor correction at every load (which can’t be done) you would still save no more than 5% at most. No where close to the claims of some capacitor reps and manufacturers.

All that said, power factor correction when done appropriately will eliminate utility penalties and kVA demand charges, improve facility power quality, increase electrical system capacity, and save a modicum of energy when applied at the proper motor loads in an industrial facility.

So make an investment in transient voltage surge suppression and power factor correction when appropriate and necessary. But caveat emptor!

LEED Certified and Green Technology, Energy Edge Technologies can help save your Industrial, Hospital, Grocery Store or any other high energy commercial buildings massive amounts of money! We Take A Full Facility Approach or call 888-729-5722 Ext. 100.

Companies that tout power factor improvement (kVAR correction) and transient voltage suppression are a good example of this bad trend. Lately we are seeing more and more of these companies cropping up and feel it is time to set the record straight.

First, transient voltage surge suppression (TVSS) plays a valuable role in improving power quality to protect sensitive equipment inside a facility. However, TVSS does not save energy. TVSS’s are only active a tiny fraction of a second to protect against voltage surges which only last for less than a millisecond. To actually reduce energy consumption the TVSS would need to actually cut power consumption for an extended period of time which is not what they are designed to do. Again, TVSS is important to protect sensitive electrical equipment but buyers should avoid vendors promising, or even guaranteeing, that they will reduce energy consumption.

Now what about vendors who claim that improving power factor will save 15% or 20% or 30% of energy consumption and corresponding cost? This one is a little trickier.

For residential applications, power factor does nothing to save energy because the typical home already has an average power factor of about 0.97 which is almost the perfect power factor of 1 or unity. In addition, the device (called a capacitor) is placed at the main circuit breaker. According to IEEE 5.5.3.3 capacitors must be situated at or near the respective inductive loads to reduce power system losses by reducing heat and distribution losses known as I2R losses.

So what about commercial and industrial facilities using power factor correction to reduce energy costs? It is perfectly appropriate for a company that is incurring penalties or a kVA billing structure from the utility company to improve the facility’s overall power factor by employing a capacitor bank at the main service entrance or individual capacitors at or near the respective motor loads. Doing so will eliminate the power factor penalties and/or reduce the kVA demand charges on the utility bill which can save significant money and provide a significant ROI on the investment.

But what about power factor correction reducing kWh consumption? IEEE also tells us that I2R losses only account for 2 to 5% of the total load in a facility. Simple math tells us that it would be against the laws of physics to get the 15% to 30% energy reduction claimed by some vendors. Think about it. Even if your facility had 5% distribution losses and you could correct 100% of the problem via power factor correction at every load (which can’t be done) you would still only save 5% at the most. No where near the claims of some capacitor vendors and manufacturers.

All that said, power factor correction when done properly will eliminate utility penalties and kVA demand charges, improve facility power quality, increase electrical system capacity, and save a little energy when applied to the appropriate motor loads.

So make an investment in transient voltage surge suppression and power factor correction when appropriate and necessary. But caveat emptor!

LEED Certified and Green Technology, Energy Edge Technologies can help save your Industrial, Hospital, Grocery Store or any other high energy commercial buildings massive amounts of money! We Take A Full Facility Approach or call 888-729-5722 Ext. 100.

[John Newton] (Mezzotint by Leney after Russell, n.d.). Prints and Photographs Reading Room, Library of Congress.

Arguably the best-known Christian hymn is “Amazing Grace.” Its text, a poem penned in 1772 by John Newton, describes the joy and peace of a soul uplifted from despair to salvation through the gift of grace. Newton’s words are also a vivid autobiographical commentary on how he was spared from both physical and spiritual ruin. It relates the happy ending of the tale of a defiant man who manages again and again to escape danger, disease, abuse, and death, only to revert to “struggles between sin and conscience.”

Newton was born in 1725 in Wapping, a London suburb that thrived on shipping and sea trade. His father, a merchant ship captain, was often away on sea voyages that typically lasted two to three years. During one of these absences, Newton’s mother succumbed to tuberculosis, leaving him in the temporary care of her friends, the Catlett family in Kent. His father remarried and Newton was placed in boarding school. He stayed in close contact with the Catletts, however, primarily because of their daughter, Mary, whom he eventually wed. Mary was the cornerstone of Newton’s existence. No matter what befell him, his goal always was to return to her.

In spite of the powerful message of “Amazing Grace,” Newton’s religious beliefs initially lacked conviction. Raised far afield of the prevailing Anglican traditions, Newton’s youth was marked by religious confusion and, as he later confirmed, a lack of moral self-control and discipline. His father was educated as a Catholic by Jesuits in Spain and his mother was a so-called Nonconformist Christian who rejected the liturgy-based worship of the Church of England.

Nevertheless, Newton’s life, rife with the “dangers, toils and snares” at which his text hints, repeatedly brought him face-to-face with the notion that he had been miraculously spared. On one occasion, he was thrown from a horse, narrowly missing impalement on a row of sharp stakes. Another time, he arrived too late to board a tender that was carrying his companions to tour a warship; as he watched from the shore, the vessel overturned, drowning all its passengers. Years later, on a hunting expedition in Africa on a moonless night, he and his companions got lost in a swamp. Just when they had resigned themselves to death, the moon appeared and they were able to return to safety. Such near-death were commonplace in Newton’s life.

Yet no matter how many times he was rescued, Newton relapsed into his old habits, continuing to defy his religious destiny and attempting to dissuade others from their beliefs. Of all of the sins to which he later confessed, his habit of chipping away at the faith of others remained heaviest on his heart.

In 1744 Newton was press-ganged–taken by force into service in the Royal Navy. He was disgraced, relieved of his post, and traded for another man from a passing merchant ship, a slave vessel.

Beginning his career in slave trading, Newton soon became tempted by its profits. Merchants believed that trafficking in human trade was justified since slavery was permitted in the Bible as long as slaves were treated with dignity and kindness. [ 2 ] That Newton engaged in the slave trade in such a manner was demonstrated by the willingness of slaves to secretly carry his letters to port to send to Mary.

Despite a promising start with a slaver off the coast of Sierra Leone, Newton once again found himself in tough straits. Felled by malaria, he was at the mercy of the slaver’s native mistress, whose abuse reduced him to the condition of the “wretch” he later described in “Amazing Grace.” He recovered, however, but was soon to face another trial during which he was strengthened and inspired by Thomas Kempis’ Imitation of Christ.

Newton was aboard ship one night when a violent storm broke out. Moments after he left the deck, the crewman who had taken his place was swept overboard. Although he manned the vessel for the remainder of the tempest, he later commented that, throughout the tumult, he realized his helplessness and concluded that only the grace of God could save him. Prodded by what he had read in Kempis, Newton took the first–albeit small–step toward accepting religion. In the words of his hymn, this incident marked “the hour I first believed.”

Upon his safe return home in the late 1740s, Newton immediately wrote to the Catlett family to plead his case for Mary’s hand, although he could offer her no financial security. When Mary herself replied that she would consider his suit, he returned to slaving to better his fortunes, this time on a ship full of slaves bound across the Atlantic to Charleston, South Carolina.

Newton wed Mary Cartlett in 1750. A changed man, he accepted the helm of a ship bound for Africa. This time, he encouraged the sailors under his charge to prayer rather than taunt them for their beliefs. He also began to ensure that every member of his crew treated their human cargo with gentleness and concern. However, it would be another 40 years until Newton openly challenged the trafficking of slaves.

Some three years after his marriage, Newton suffered a stroke that prevented him from returning to sea; in time, he interpreted this as another step in his spiritual voyage. He assumed a post in the Customs Office in the port of Liverpool and began to explore Christianity more fully. As Newton attempted to experience all the various expressions of Christianity, it became clear that he was being called to the ministry.

Since Newton lacked a university degree, he could not be ordained through normal channels. However, the landlord of the parish at Olney was so impressed with the letters Newton had written about his conversion that he offered the church to Newton; he was ordained in June 1764.

In Olney, the new curate met the poet William Cowper, also a newly-born Christian. Their friendship led to a spiritual collaboration that completed the inspiration for “Amazing Grace,” the poem Newton most likely penned around Christmas of 1772. Some 60 years later in America, the text was set to the hymn tune, “New Britain,” to which it has been sung ever since.

Even though many of England’s great shipping cities prospered from the slave trade, social critics began to speak out against the practice by the mid-18th century. By the 1780s, the powerful voice of William Wilberforce (pictured to the right) was added to this chorus.

Wilberforce, a Member of Parliament, was the nephew of one of Newton’s London friends. Inspired by the former slave trader, and paralleling Newton’s own conversion, Wilberforce began to question his role in life. Although Newton, then a lowly Olney curate, was convinced that Wilberforce was just another wealthy politician, he persuaded him to crusade for change and use his station in life and his powerful friends (including Prime Minister Pitt) to seek reform. One of the chief topics for such advocacy was abolition. In fact, Wilberforce wrote in his journal on October 28, 1787, that one of the two goals that had been set before him was “the suppression of the Slave Trade.”

Newton joined in the fight for the abolition of slavery by publishing the essay “Thoughts upon the African Slave Trade.” Because Christians still felt that slavery was justified in the Bible, Newton and Wilberforce wisely avoided building their protests on a religious platform. Instead, they condemned the practice as an inhumane treatment of their fellow men and women. Newton, speaking strongly from his own experiences, also proposed that the captors were in turn brutalized by their callous treatment of others and cited offences including torture, rape, and murder. Newton’s friend, the poet William Cowper, joined their fight by writing pro-abolition poems and ballads.

In 1789 Wilberforce introduced a “Bill for the Abolition of Slavery” in Parliament. The bill faced opposition in both Houses, but the forces against enactment became weaker each time it came up for a vote. The bill finally was passed by the House of Commons in 1804 and by the House of Lords in 1807 after which King George III declared it law.

There is no direct link between “Amazing Grace” and the abolition of slavery in Britain. Nonetheless, the hymn was written by a man who was moved to speak out against something from which he had once profited. In an essay Newton said: “I hope it will always be a subject of humiliating reflection to me . . . that I was once an active instrument in a business at which my heart now shudders.” Thus, it seems fitting that his hymn has become for so many–including those fighting for Civil Rights–an anthem against all forms of social injustice.com

Want to find out more about Mark A Cella, then visit Mark A Cella’s site and read more performing arts material Mark Cella.

Most of the companies pursuing capital from angel investors, private investors, private equity firms or small groups of professionals looking for a quick in and out situation with rapid capitalization did three things that made all the difference in streamlining their raise.

First the executives structured their entity to attract investors which by default strengthened their corporate infrastructure. Now they are proposing investment opportunities from more of a position of strength.

Second they chose a team (in these cases they chose our consulting firm) with a proven track record of success with organizing companies for acquisition, merger and taking companies public.

The third element that is common in most successful enterprises which are seeking a first round of seed capital to fund their ‘going public’ ambitions is demonstrating confidence to the investor with a “selling shareholder offering”. Obviously this last element tests the skill of the consultants going back and forth with the SEC during the comments stage but this demonstrates confidence and organization by the company wishing to raise capital.

A ’selling shareholder offering’ tells the investor (if not purely in the initial documents then in the phone conferences leading up the a check being cut) that the company has an organized pre public and post public investor relations strategy, general corporate publicity strategy and a market maker that’s built to last (mostly the former than the later). By offering seed investors the ability for massive profitability by buying your seed shares for fifty cents with a public offering price anticipated at $2.00. What real investor would turn this down?

Offer your seed investors an ‘easy in, quick out’ funding option and watch them swarm to your offering in droves. Let these investors create your float and let your company’s performance and hardcore investor relations take care of the rest!

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Debt collectors refer to these legal guidelines as a “mini Miranda.” If a debt collector does not give this information to you, he or she is violating the Fair Debt Collection Practices Act. If questioned, the debt collector is obligated to tell you her name, the name, address and fax number of her agency, and what creditor she is calling on behalf of.

If it is necessary the collections agent will go over the terms of sale with you, or credit contracts. Keep in mind that your conversation will most likely be recorded, and a good collection agent is a sneaky one. They will probably utilize their listening skills to attempt to determine the cause of the delinquency.

Despite what you may have heard from anecdotal stories, or the sensational stories you have heard on the news, most debt collectors are empathetic people, working to make a buck like you. Even if your debt collector is calling aggressively, it is never a good idea to ignore their calls. A debt collector will have the authority to offer a repayment plan, or some other type of help to make it easier for you to pay off of your debt.

At times, they have the capacity to find answers to your financial problems. After all, they work with people like you all the time. They can even offer you some useful advice or they might be able to refer you to some helpful debt counselors. Unfortunately, it has been said that all stereotypes have some truth in them, and there will be an occasional debt collector who may use strong arm or even illegal tactics to collect a debt. If something doesn’t sit right with you, consult the FDCPA, and call your local attorney general’s office to report the incident.

Mallory Megan works for Rapid Recovery Solution and writes articles on medical collection agencies.