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Is what you are saving for worth sacrificing for?

This is the most important question to ask when you are thinking about changing your lifestyle to save for something you want. If you don’t want what you’re saving for more than you want your current routine, you will most likely not succeed in your efforts to save.

What Can You Do Without?

This is the second question you need to ask yourself when thinking about cutting back in order to begin saving. What can you let go of for the greater good? If you choose the things you eliminate from your spending wisely, you will not regret them or rebel against your own plan. This will help you to save your money successfully. Before you slash your cable bill, think about cutting back on going to the movies. Before you cut your grocery bill, consider not going out to eat for a month or two.

When you begin to review your spending in this way, you are enabling yourself to still be comfortable at home while curbing your spending outside the home on small luxuries. For example, before you change the stores where you shop, change the frequency with which you shop. There are many ways to begin cutting back and making small changes to save money. You just have to be creative while tailoring your cutbacks to line up with the culture of your particular family.

What Are Some Creative Ways You Like To Save?????

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(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 students who want to attend an Historically Black College / University. (HBCU).

S.E.A will post a scholarship for minority students each day. If you are a high school senior, junior, or an 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 2010/2011

WOMEN

SCHOLARSHIP OF THE DAY

9-08-2010

AWG Minority Scholarship

Announcement is also available in Adobe Acrobat (.pdf) file.

This new program encourages young minority women to pursue an education and later a career in the geosciences. It provides financial aid and matches the student with a mentor in the same field who will offer guidance and support. This exchange will enhance the student’s experience and provide a view of the world ahead.

Award Amount: One or more awards totaling $6,000 will be given each summer for use during the next academic year (awards include AWG membership)

Application Deadline: June 30th

The applicant must be:

Application procedures:

Download an application: MS Word (.doc)

The application calls for a statement of academic and career goals, two letters of recommendation, high school and college transcripts, and SAT or ACT scores

Winners may reapply for continuing support.

CONTACT: Christina Tapia

(awgscholarship@yahoo.com)

Association for Women Geoscientists
Attn. Minority Scholarship
1400 West 122nd Avenue, Suite 250
Westminster, Colorado 80234

Scholarships are funded by the AWG Foundation with generous support from ExxonMobil and individual donors

RESOURCE: http://awg.org/EAS/minority.html

p.s. If you need help in your scholarship search, please contact S.E.A. c/o NORRIS COLEMAN @ mr.nncoleman@yahoo.com

*As part of S.E.A. Mentoring Program, we want to build our Mentees vocabulary. S.E.A. has chosen to italicize words and statements in blue for our Mentee to understand and use in their vocabulary

EGO EXTENSIONS

Come and experience California's Hot Spot!

Ego Extensions L.A. offers a Luxury Line of Remy Hair Extensions and Lace Wigs. Imagine beautiful, soft, luxurious hair that you can color, wash, straighten and style to your hearts desire. Our Lace Wigs and Extensions are made of 100% Premium Remy Hair.Ego Extensions L.A. caters to an elite group of clientele.Hollywood's A -Listing Actors, Singers, Dancers and Models.Our hair comes imported from India, Brazil and Russia with only the most beautiful strands being hand chosen. Take this opportunity to shop on-line for what people are calling the most "ELITE HAIR ON THE MARKET ". Have questions? Contact us at info@egoextensions.com. We are always here to service our valued customers. We pride ourselves in selling high-end, premium hair that everyone can afford. So go ahead and indulge yourself....in Ego Extensions.

EGO EXTENSIONS LACE WIGS

Ego Extensions Lace Wigs have become the most highly sought after Lace wigs in the entertainment industry and abroad.Our professional staff and superior wig quality has catapulted us to the top.We pride ourselves in having the combination of product and customer service that clients have been searching for.Many customers visit us from other states and countries to experience the relaxing atmosphere which we provide for their Lace wig fitting.Our boutique carries enough wigs to not overwhelm clients with choices,but give them the ability to find that special unit.Choose from Full Lace Wigs,Frontals,Closures,Lace Front Wigs and more.We carry Indian,Brazilian,Mongolian,Chinese,and European Hair Wigs as well as a variety of high quality affordable synthetic units.

Ego Extensions was founded in Los Angeles California,and now services Atlanta,Memphis,Chicago,Miami,Virginia,New York,North Carolina,South Carolina,Colorado,Houston,New Jersey,Nashville,Detroit, Boston,Canada,London,France,Sweden,Africa and many other areas nationwide

It takes time and diligence to carry out a successful business strategy. So unless your revenues are growing consistently and cash is flowing well then now may not be the time to take those golf lessons you dream about. Read further to decide if you should pack up your nine iron and head for the office instead of the green.

• Stragey and Fun. Sales, profits and cash flow are the factors that contribute to the livelihood of business. Without cash it is only a matter of time before you are forced to take down the "open for business" sign and close shop. Now I hope that you are doing well in your company and have the financial freedom that you desire. But if you are just starting out you may find that it takes more time than you originally planned to reach your projections. Remember the saying, "Time is money?" Although playing golf is a great way for you to unwind don't forget that each second you use on non-income generating activities is a second lost. So if you decide to add golf to your marketing mix be sure to do so strategically by building business relationships while you are having fun.

• Finding More Leads. One of your top priorities as the CEO is ensuring that your market knows about the products and services you offer. Marketing and sales are time intensive activities so be as strategic as possible. Some ways to find leads while golfing with colleagues are to inquire about business alliances, referrals, and networking in places that your target market hangs out.
• Lead Conversion. Once your game is over and you have a few leads the next step is to get good at closing the sale. There must be enough revenues in your company to support continued operations and business expansion. This applies for-profit and non-profit entities. It makes no difference whether you are running a sales campaign or a fund-raiser. Your primary objective is to get a commitment from potential buyers.
• Increasing Profits and Cash Flow. In business, maximizing profits and maintain healthy cash flows takes precedence over free time any day. You will be able to enjoy the benefits of being your own boss once your company has adequate cash reserves and can cover monthly operating expenses, contingencies, and investments that create new opportunties for growth.

In order to see how close you are to reaching these metrics conduct a financial review each month. All work and no play makes for a dull entrepreneur but too much folding of the hands makes for missed opportunities to grow. Your time is valuable and until you reach your sales capacity make a commitment to stick to scheduled income producing activities until you reach your financial goals.

Position to Profit Related Posts

Are You Going Too Fast in Business?

Let’s Go Sailing: Practical Observations for Getting Back on Course in Business

Are You Following the Signs?

Monday, September 6, 2010
African American Writing Journals

My family and I set up display booths at different events throughout the year. To keep things interesting I look forward to counting how many times a customer approaches my booth, looks at the display of writing journals and says, "Oh, what's this book about?" Usually, before I can say a word they have already picked up and opened the journal only to discover one small sentence at the top of each page followed by a full page of lines. Because of their eye-catching covers, our line of African American writing journals usually turns the avid reader's smile into a look of confusion. Or I get the "oh, it's one of those things you write in." phrase. And that's ok, these writing journals are so beautiful.

Each journal's soft-padded (yes padded) cover features alluring artwork by artist Aaron and Alan Hicks, and Dorothy Allen. Some journal covers are sprinkled with inspirational messages and scriptures. Although the journals are not full of words, they do contain a small Bible verse and that's more than enough reading for those who love to write. Not only do they look fabulous, but the spiral spine allows the journal to open flat so the writer can comfortably write without having to break in the spine or eventually loose pages.

The "Sunday Morning" and "Virtuous Woman" journals are a favorite for Sunday worship or Wednesday night Bible study notes. I remember going to Wednesday night Bible study with a plain ol' yellow notepad. Later I would be disappointed when my husband or daughters would grab a sheet to use as scratch paper. But with my "upgrade", I dare them to take a sheet.

What I like most-- once I've completely filled one journal I can place it on the bookshelf and get another one... same size, different design. And I might add, they look quite lovely lined neatly on my bookshelf.

Which African American journal cover is your favorite? When do you write in your journal? Are you a collector?

Inspirational Expressions Blog

(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 students who want to attend an Historically Black College / University. (HBCU).

S.E.A will post a scholarship for minority students each day. If you are a high school senior, junior, or an 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 2010/2011

ACT

American College Testing Assessment

The Act (American College Testing Assessment) assess a student's knowledge in English, Math, Social Sciences and Natural Sciences. The test is administered by the American College Testing Program and it consists of four tests 35-40 minutes long.

Specifically, the American College Test was created to test college bound students cumulative knowledge in four different subjects: English, Mathematics, Reading and Science Reasoning. This multiple choice based test, which is usually administered in the south, is known for testing a student’s ability to recall formulas and fundamentals from the aforementioned subjects as well as a student’s ability to solve graphs. Students are graded on a scale of one (lowest) to thirty-six (highest) in each of these four categories. The four sub-scores recorded from these four respective topics are then averaged together for a composite score that is looked at upon universities for various purposes such as acceptance, scholarship qualification and then eventually class placement. This assessment does not penalize students for having incorrect answers as only correct answers affect the scoring. According to Mary Beth Marklein of USA Today, the national composite test score average in 2004 was 20.9, as a record number of test takers (1.2 million) were recorded. She also reported that in 2004, students tested higher in the reading section of the assessment (21.3), despite rants that the allotted time for this portion of the test is too short. The lower composite test scores throughout the years have created many jobs in preparing for the ACT. Test centers have been developed nationwide, and companies such as Kaplan offer strategies to taking the ACT along with practice tests (which are actual ACT tests administered throughout the years). According to the ACT official website, the test is given on six dates a year, at hundreds of locations, and students can take the test as many times as they desire, as the highest score is the only looked at determining acceptance. The traditional format of the ACT will now feature a writing assessment starting in October 2005 that tests students abilities to write a short essay.

www.act.org

Missouri Students

SCHOLARSHIP OF THE DAY

9-07-2010

Missouri Minority Teaching Scholarship

Program Summary: Missouri Minority Teaching Scholarship is a $3,000 award which is renewable for up to four years. The State of Missouri pays for $2,000 of each scholarship, and the other $1,000 is paid by participating colleges and universities across the state. There are 100 scholarships available.

Eligibility And Application: Applicant must be a resident of Missouri; be an African American, Asian American, Hispanic American, or Native American. Applicant may be a high school senior, college student or returning adult (without a degree) who ranked in the top 25 percent of their high school class or scored at or above the 75th percentile on the ACT or SAT examination. Applicant may be an individual who has completed 30 college hours and has a cumulative GPA of 3.0. Applicant may have a baccalaureate degree who is returning to an approved Math or Science Teacher Education Program.

Amount: $3,000

Deadline: February 15

CONTACT: Missouri Department of Elementary and Secondary Education

Address: P.O. Box 480 Jefferson City,

MO 65102-0480

Phone: 573 751-1668

Fax: 573 526-3580

Email: webreplyqual@dese.mo.gov

Website: http://www.dese.mo.us

RESOURCE: http://edu.excelle.com/scholarships/step4?id=2709

p.s. If you need help in your scholarship search, please contact S.E.A. c/o NORRIS COLEMAN @ mr.nncoleman@yahoo.com

*As part of S.E.A. Mentoring Program, we want to build our Mentees vocabulary. S.E.A. has chosen to italicize words and statements in blue for our Mentee to understand and use in their vocabulary

Over the last few years, I have eliminated a lot of the social networks I have been active with; some of themwere giving me help, but most were where I was helping others. There wasn't agood balance. The lesson was soon to be learned.

One day in 2008, after volunteering all day at a fundraiser, I sat thinkingabout why my businesses weren't flourishing. I could have blamed it all on theenemy and his army. I could have blamed it on having too many good ideas at onetime. I didn't blame anything or any spirit. I looked at where I was so manyyears ago, 20 to be exact, and how I one major gift God gave me, no one, closeto me, heard; my singing voice. I remember being in one of the most elitechoirs in High School. You couldn't just sing, you had to sang!!! For 3 years,twice a year, our group had major concerts. We were magnificent! Yet, no oneclose to attended ONE concert.

Romans 11:29 For the gifts and calling of God are irrevocable.

I understood then as I understand now; everyone has their own life and it doesnot include anyone they don't want. What I mean is, when people decide thatothers are not as important as self, those people become nonexistent even ifthey are right in your face. So what do you do, push the issue? No. Do you getupset about it? No. You move on with the life God gave you. There is nothing Ican change about what a person desires to have in their life or who they wantto help or support. I have started to see that it isn’t about me. It’s aboutGod IN me.

Philipians 2:3 Let nothing be done through selfish ambition or conceit, but in lowliness of mind let each esteem others better thanhimself.

I have pushed my 'servant hood' to the limits by giving all of me to the peopleI know online. I love helping people. That part of me will never change. Yet,while I am helping them, what am I doing for myself. Nothing, but realized thetruth behind the failure and the success. It was time to help others see theirpotential and not let the PEOPLE get in the way of their blessings.

Twenty odd years ago, no one saw how delighted I was to be in this choir andhow I wanted someone to come and support me as a teen. Here I am now, presentday, and it is the same thing. Yet, I’m glad I had to go through this tounderstand how God could use me now. I realize that the people who didn't seeme then they don't want to see me now, but God has kept me for this time to bea benefit to His kingdom.

Now that I know God can use me, I am ready to share COMPLETELY the things that have been placed in my lap. I amno longer bitter. I will not hold back the gifts and talents God has given me,but I will keep this new found knowledge in front of my minds eye. Those that Iwanted to see me will never see me with the eyes they had then, which are thesame ones they have now. They will only see me with new eyes enlightened by theLord.

So with my new found eyes, I am sharing all those things that God has given me right with you. I am workingtowards leaving behind a legacy that is beneficial for my family and YOURS too.

Let’s start with http://www.blackbusinessbuilders.com?1548

http://www.socialurl.com/mrsceo is where you can SEE me.

"I am curious as to how people determine what their rates are on their blog or website for advertisers. I would also like to know how any of you might go about offering space for another person (like an author, entertainer, artist etc.) to sell their products or goods through your site. " -Evonna

(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 students who want to attend an Historically Black College / University. (HBCU).

S.E.A will post a scholarship for minority students each day. If you are a high school senior, junior, or an 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 2010/2011

12 Ways Adult Students Can Pay for College:

1. Maximize your federal aid eligibility by reducing assets and paying down consumer debt.

2. Submit the *FAFSA as soon as possible after January 1st. You don't have to wait until you are admitted to a program to apply! This application also serves as the application for the *Workforce Improvement Grant, a scholarship awarded to adult students based on financial need.

3. Research and apply for scholarships early. Scholarship deadlines can occur as early as six months prior to the semester for which they are intended!

4. Utilize community programs that offer assistance with childcare, rent, utilities, food, clothing, fuel, prescription medicines, and medical or dental care. This allows you to use money for college that would normally pay for these other items.

5. Ask about fee waivers. Many colleges will reduce or waive admission application, testing, or other fees for low income students.

6. Ask about tuition payment plans. Many colleges offer tuition or deferred payment plans.

7. Accelerate your degree program by taking college level proficiency exams, such as *CLEP or *DANTES, or departmental exams. Ask about the possibility of receiving credit for paid work experience, professional licensure, certification, military service or other training.

8. If you are working toward a bachelor's degree, consider taking general education courses at a *community college where tuition is generally much lower.

9. Take advantage of distance learning opportunities in lieu of traditional campus-based classes where possible. Tuition for these classes is often much less.

10. Reduce the cost of textbooks by borrowing them from someone who has already taken your class or borrowing them from the library. If you must buy books, shop online for the best price or buy used books. At the end of each semester, sell them to other students or online instead of taking them to the bookstore.

11. Explore Tuition Assistance Programs (TAP) offered to employees of larger corporations.

12. Take advantage of federal tax benefits, such as the Hope Credit and Lifetime Learning Credit.

SCHOLARSHIP OF THE DAY

9-06-2010

STOP Hunger Scholarships

Scholarship ID: 159362

Scholarship Description: The Sodexo Foundation seeks applicants for the STOP Hunger Scholarships to recognize students in the fight against hunger in America. More than 49 million Americans are at risk of hunger and Sodexo, Inc. is committed to working toward a hunger-free nation. The STOP Hunger Scholarships recognize and reward students who have made a significant impact in the fight against hunger and its root causes in the United States.

Each national STOP Hunger Scholarship recipient receives a $5,000 scholarship and a matching $5,000 donation to their affiliated hunger relief organization. Added consideration is given to those students working to combat childhood hunger.

Applications are available to students from kindergarten through graduate school. For more information and to apply, visit http://www.SodexoFoundation.org

CONTACT:

Shondra Jenkins

Address: 9801 Washingtonian Boulevard
Gaithersburg, MD 20878
Phone: 301-987-4848 Fax: 301-987-4438

Email Address: STOPHunger@SodexoFoundation.org

Application Deadline: February 26, 2011

Number Of Awards: See Description

Maximum Amount: $5,000

Website Address: http://www.SodexoFoundation.org

Resource: http://www.scholarships.com/Award.aspx?AWARD_ID=17

p.s. If you need help in your scholarship search, please contact S.E.A. c/o NORRIS COLEMAN @ mr.nncoleman@yahoo.com

My Thirsty Soul

What is My Thirsty Soul all about?

My Thirsty Soul is about deliverance, strength, and courage. There are many things in my life that I was delivered from, such as anger, guilt, and a whole lot of hurt. Through my deliverance from these life hiccups, I gained strength. And now, God has given me the courage to continue to live a Christ-filled and centered life despite what the world has thrown at me.

My Thirsty Soul embraces the journey of the real life Christian through testimonies and dialogues. This blog was designed to allow Christians to freely share what they have gone through and what they are going through to help teach other Christians about deliverance, strength, and courage.

PHASE II

The next step for MTS is to offer resources for Christians who want to continue to grow spiritually, guard their hearts, and heal from their past in order to live out God’s purpose. My Thirsty Soul is looking to expand by offering merchant and advertising space to people who are in the fields of entertainment, music, curriculum guides, and books.

If you are in the business of glorifying God through your industry and would like to partner with My Thirsty Soul, advertise on My Thirsty Soul, or provide resources for My Thirsty Soul readers, please feel
free to contact me at mythirstysoul@gmail.com.

Evonna Bruner

Founder- My Thirsty Soul

Real Life. Real Hope. Real Love.

www.mythirstysoul.com

Hi ladies!

I'm celebrating two years of blogging on my blog, for colored gurls! Because of this, we are giving away several items including makeup from Truo'fles Cosmetics, food mixes, two virtual book tours to two authors, and a relationship book.

You can get more details and enter on the blog, forcoloredgurls.com.

Be blessed, ladies! : )

(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 students who want to attend an Historically Black College / University. (HBCU).

S.E.A will post a scholarship list for minority students each day. If you are a high school senior, junior, or an 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 2010 / 2011.

SCHOLARSHIP OF THE DAY

9-05-2010

Dickey Scholarship Association (BDSA)

BDSA scholarship

Award to high school seniors already in the database as well as undergraduate students that previously received a scholarship as a freshman are eligible to apply. Awards range from one-time grants of $1000 to four-year worth as much as $6000 annually. Awards are based on academic achievement, entrance exam scores, financial need, references, evidence of community service, and golfing ability.

Award Scholarship for use in freshman, sophomore, junior, or senior years; renewable

Amount: $1000-$6000.

Eligibility Requirements: Applicant must be enrolled or expecting to enroll full-time at a four-year institution or university and must have an interest in golf. Available to U.S. citizens.

Application Requirements: Application, essay, financial need analysis, photo, references, test scores, transcript.

Deadline: April 16.

CONTACT:

Andrea Pourdeaus, Executive Director
National Minority Junior Golf Scholarship Association
1140 East Washington Street, Suite 103
Phoenix, AZ 85034
Phone: 602-258-7851
Fax: 602-258-3412
E-mail: andrea@bdscholar.org
Web: http://www.nmjgsa.org

http://www.studentedge.com/scholarshipsearch/programvc.aspx?level=u&region=s&sponsor=16519&inunid=161490&saved=true

p.s. If you need help in your scholarship search, please contact

S.E.A. c/o NORRIS COLEMAN @ mr.nncoleman@yahoo.com

JUNIQUES MULTICULTURAL CONNECTIONS RECOMMENDS YOU USE THIS FRUIT DAILY

But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law. (Galatians 5:22-23, )

ENJOY EVERY DAY!!!

Visit www.jusmcc.org