Blogs

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,
students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
11-1-2011
United Water

Scholarship Detail:

The program is two-fold working with the United Water Foundation and United Water forprofit companies. The United Water Foundation, is a non-profit private foundation formed in January 2009. United Water is one of the largest environmental services companiesin the United States. Headquartered in Harrington Park, New Jersey, we serve 27million people in more than 40 states. Our parent company, Suez Environment, is a global water and waste treatment company whose activities focus on provider water to those without access, the distribution of water from alternative resources, the management of industrial impacts and coastline protection.

The United Water employee culture is built on the strategic business drivers of business efficiency, customer
service, employee development and managed growth, with a strong commitment to,ethics, safety, diversity and environmental stewardship. We strive to provide an environment in which the best talent can grow, develop and be challenged tocontribute every day. At United Water, we truly believe making the planet sustainable is the best job on earth!

The UNCF Scholars program will provide selected candidates a 10-week paid internship at a United Water for profit facility and UNCF will provide a $5,000.00 scholarship for the 2012-2013 academic year paid for by the United Water Foundation. The internships will be offered at the following locations: Harrington Park, New Jersey. Harrisburg, Pennsylvania. Wilmington, Delaware, Pine Bluff, Arkansas, Pontiac, Michigan, and Indianapolis, Indiana. . Each candidate will need to go through the United Water for-profit hiring process and will be expected to present to key Project/Department staff a final report and/or PowerPoint presentation of theirinternship experience. This program is made possible by a grant from the United Water Foundation to provide the dollars to the UNCF and by United Water for-profit companies whichwill provide work opportunities.

Scholarship Name: United Water Corporate Scholars Program 2011

Scholarship Value: up to $ 5000

Classifications:College Sophomore

Minimum GPA: 3.0

Eligible Majors: Accounting,Finance, Environmental Science(s), Civil Engineering,
Electrical Engineering, Environmental Engineering, Human Resources, Mechanical Engineering

Eligible Schools:Open for 4 Year Colleges Only

Eligible Locations:Open

Application Deadline : Friday, January 27, 2012

How to Apply : Apply Online

Donor/Sponsor URL: http://www.unitedwater.com

Donor/Sponsor URL: http://www.uncf.org/forstudents/scholarDetailSGA.asp?id=688

Visit S.E.A. website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!
The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
12-14-2011

William E. Simon Fellowship for Noble Purpose

The William E. Simon Fellowship for Noble Purpose is available to graduating college seniors. To be considered, you must demonstrate passion, dedication, a high capacity for self-direction, and originality in pursuit of a goal that will strengthen civil society. A letter of recommendation and a five - to ten-page personal narrative are required with your application.

You will be directed to the scholarship provider's website. There, you can begin your application for this scholarship.

Provided by : Intercollegiate Studies Institute

Award: $40000

Deadline: January 17, 2012

Type of Award: Fellowship

Awards Available: Three (3)

Applicable Majors: All Fields of Study

Website:

http://www.isi.org/programs/fellowships/simon.html

Additional Information:

Please visit the sponsor's Web site for additional information.

Visit S.E.A.
Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

Follow on Twitter @sseeaa2011

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,
students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!
The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
10-29-2011

Ronald Reagan College Leaders Scholarship

This program seeks torecognize outstanding young people who are promoting American values on college campuses.

The scholarships are designedto alleviate the financial burdens associated with higher education, permitting the winners to devote more time both to pursuing their academic goals andadvancing their leadership initiatives.

Applicants must be U.S.citizens enrolled full-time in good standing at any accredited, four-yeardegree-granting institution in the United States or its territories.

Deadline: January 2012

Award Amount: $1,000 - $7,500

Website/Contact Info:

www.thephillipsfoundation.org

Visit S.E.A.
Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

Visit S.E.A.
Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012


SCHOLARSHIP OF THE DAY
12-8-2011

Imagine America High School Scholarship

Are you a high school student trying to find money to pay for your career college education? Are you planning to attend any of over 500 participating career colleges across the country? The Imagine America high school scholarship program can help. The Imagine America Foundation created its Imagine America High School Scholarship Program in 1998 to help provide scholarships for high school students. This annual scholarship program has helped thousands of high school seniors afford a career education at hundreds of career schools across the United States. Each year, every high school in the United States and Puerto Rico may nominate up to five graduating seniors to receive a $1,000 Imagine America scholarship! The Foundation works with nearly 15,000 high school guidance counselors across the country. Graduating high school seniors who meet the recommended guidelines are eligible to receive a $1,000 tuition discount that can be used at career colleges participating in the Imagine America Scholarship Program throughout the nation. The program runs annually and has a December 31 deadline.

Scholarship Qualifications
The Imagine America scholarship program can make it easier to achieve your dreams! If you have the commitment it takes to pursue a career education and meet the qualifications below, apply today! Only recent high school graduates who meet the following recommended guidelines should apply: • Likelihood of successful completion of postsecondary education • High school grade point average of 2.5 or greater• Financial need • Demonstrated voluntary community service during senior year.

AWARDS: $1,000.00

DEADLINE: DECEMBER 31, 2011

WEBSITE: http://www.imagine-america.org/highschoolscholarships

Visit S.E.A.
Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

Follow on Twitter @sseeaa2011

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
12-3-2011

Academic Competitiveness Grant

The Academic Competitiveness Grant (ACG) is for first-year and second-year college students who graduated from high school.

The amount of the ACG, when combined with a Pell Grant,may not exceed the student's cost of attendance. In addition, if the number of eligible students is large enough that payment of the full grant amounts would exceed the program appropriation in any fiscal year, then the amount of the grant to each eligible student may be ratably reduced.

To be eligible for each academic year, a student must be a U.S. citizen or eligible non-citizen; be a Federal Pell Grantrecipient; and be a first or second-year undergraduate student or a student in a certificate program of at least one year in a degree program at a two-year or four-year degree-granting institution.

Deadline: Varies

Award Amount: $750 - $1,300

Website/Contact Info:

www2.ed.gov/about/offices/list/ope/ac-smart.html students/english/AcademicGrants.jsp

Vist S.E.A. Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

Follow on Twitter @sseeaa2011

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
an Houston, Texas based mentoring program for high school students,
students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.
Your cost is - time!

The time it takes to fill out the scholarship application.

Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012


SCHOLARSHIP OF THE DAY
10-19-2011

Get Green Video Contest
The Get Green Video Contest is open to U.S. high school students between the ages of 14 and 19. To enter, you must submit a 30 - 120 second video that shows how one or more of the elements of science, technology, engineering, or math can help green your city or town. The first place winner will receive $500 and a Samsung Galaxy Tab; second place, $250 and a Samsung Netbook; and third place, $150 and a Samsung HD Camcorder.

You must become a member of Planet Connect in order to apply. Please visit the sponsor's Web site for additional information.

Scholarship/Grant Amount: $500

Scholarship/Grant Deadline: December 08, 2011

Scholarship/Grant Sponsor: Planet Connect

Award Type: Prize or Gift


Scholarship/Grant Site: http://planet-connect.org/2011getgreen

VISIT S.E.A. WEBSITE: WWW.SSEEAA.COM

(For more information scan Q-reader with you Smartphone)

Let's face it, your personal and business credit is essential to your financial health as a small business owner. It's important to understand this and learn as much as you can about building and maintaining a good credit score for your business.

Having a business credit score of 75 or higher through Dun & Bradstreet is essential and can help you especially when trying to get lines of credit with vendors.  While cash loans, such as an SBA loan, micro loan or personal signature loan will require a review of your personal credit - your business credit score will help also in making a final decision.

Much has changed in the business credit industry today.  It used to be that you didn't need to always use your personal credit history when applying for small business loans or lines of credit, but that's not the case anymore.  You'll need a personal credit score of at least 680 and again, a D&B score of at least 75.  If your personal score is less than 680, it's time to start working on it right away.

Building your business credit is not something that can be done over night, but it is a gradual process that occurs over a period of time.  As your business grows your business credit worthiness should get stronger and stronger.

A good business credit score will assist in getting business loans, lines of credit and minority or woman-owned certified.  Your business credit worthiness is an essential part of growing your business and it also shows your leadership ability as the owner or CEO.

Below are 10 ways you can get started in building your business credit:

   1. Consider changing the structure of your business to a corporation, such as a Limited Liability Corporation better known as the LLC.  This is the most common structure that many small and micro businesses are using.   If you are not certain of the structure for your business make sure you discuss it with your accountant or attorney.

   2. Apply for a business checking account.  This is an essential part of the process in legitimizing your business.  It will be important for you to keep all of your expenses separate.  This is very important to do if you're incorporated especially.  It is also a plus to keep a minimum balance of $2500 in your account at all times.  This helps in establishing your credit worthiness.

   3. Develop your business plan.  Many times when applying for a loan or line of credit you'll be asked for your business plan.  This normally causes a lot of small business owners to procrastinate, because it can cause one to feel overwhelmed just thinking about writing one.  But, it is necessary and remember to get help doing it.  You don't have to write it alone and neither do you have to create a long 100 page document.

   4. Gather your business financials. Most of the time a lender or loan specialist will also ask you for financials.  This will include the Business Checking Statements, Balance Sheet, Cash Flow Projection and Tax Statements.  Depending on the number of years you have been in business be prepared to provide up to 3 years of statements.

   5. Apply for your DUNs (a.k.a. D&B) Number.  The DUNS number is a 9-digit number that is used worldwide in tracking more than 100 million businesses.  It helps to build your company's credibility and helps vendors, lending agencies and others to verify that you are running a legitimate business.

   6. Apply for a business phone line that can provide you with a 411 directory listing.  This is normally with your local phone company.  Validating a business phone number is normally the first thing that vendors do to verify that you are indeed a real business.

   7. If you're a home-based business, consider also using a virtual office service that has a commercial address (not a PO Box or UPS Store).  This means that you should be able to receive packages there and anyone should be able to visit the office and ask for you or your company by name.  There are many such services popping up all of the US, so you shouldn't have a problem finding one.

   8. Make sure that any services you use are in the name of your corporation.  This should include: cell phone, office lease, any machine leases, business services etc.

   9. Start applying for business credit with vendors (Staples, Office Depot etc.) that report to business credit agencies, such as Dun & Bradstreet and Experian.  Make a list of items that you need in your business that can be purchased through a line of credit or lease, instead of using cash.  Don't just trust a vendor's word that they report to business credit agencies; ask if they have it in writing in their literature or credit applications.

  10. Only use 35-50% of your business credit cards spending limit. Business creditors get very nervous when you use anything larger from your spending limit and especially when you don't pay it off within 30 days.  This shows that you might be having a cash flow problem and they run from that.

Once you have received your D&B number, consider using the D&B File Creator Service.  This allows you to quickly place business accounts on your file and helps to establish your credit worthiness quicker.  In addition, it will be important to check your business credit profile at least quarterly to ensure that everything is being reported properly and that your score is getting higher.

As you build your business credit, it is also important to understand the importance of paying your accounts payables at least 7-15 days ahead of time.  This goes over well with business creditors and is reported on your Dun & Bradstreet credit report, which helps your score to go higher.

The information points provided above are suggestions based on the success that others have had in building their business credit.  It is not a conclusive list and there are many other things to consider when working on building your company's financial reputation.  However, it's a start in the right direction.

About the Blogger

Trina Newby is a business success coach and founder of Women About Biz.  For more than 20 years, she has been helping women to turn their ideas in to profitable business ventures.  Trina is also the host of the Successful Woman Radio Show.