Lakota, Mason schools would lose most under Kasich plan

House Republicans touted that no district will see a decrease in the main category of money it receives from the state. In that category, 494 of Ohios 610 districts will see an increase, they said.

School officials, however, say its the bottom line that counts.

A particular source of contention is the cut in TPP money. State officials say it was always meant to be a temporary reimbursement when they phased out the tax, which businesses paid on inventory.

Not so, school officials say.

It was never supposed to go away, said Tracey Carson, Mason City Schools spokeswoman. That was a promise that the Legislature made, and folks who were around at that time remember that. We certainly remember that promise, and we want to hold legislators to it.

State Rep. Ryan Smith, R-Bidwell, pointed to the extra money schools are getting overall.

What we decided to do was … try to cushion the blow on TPP districts that way, said Smith, who oversaw the budget revision. We got it down to 15 percent of districts losing money.

The Houses proposal is far from the final word. After the budget passes the House – expected next week – the Senate will put its mark on the spending plan. Then, the two chambers will meet to create a final version, which must receive Kasichs signature by June 30.

Local school districts, however, are banding together now to fight for TPP funding.

Mason City is asking its residents to send postcards and letters to legislators; Sycamore School Board vice president John Mercurio wrote a column denouncing the TPP cuts; and Princeton City is sending a group to Columbus on Thursday to lobby against the change.

The consequences of losing this are very significant, Carson said. And thats one of the reasons why TPP is one of those swords that were willing to die on. This is a big deal for us.

College basketball’s crossroads

Yet lately, Vaccaro finds himself more interested in college football — once known for three yards and a cloud of dust — than college basketball. Vaccaro says this past regular season of college basketballs was as boring as it has ever been since he entered the business in the 1970s.

Undocumented students face college without TN Promise

About the project

This is the fourth installment in The Tennesseans year-long series on Tennessee Promise, the states ambitious plan to provide community college tuition-free to eligible high school graduates. On the fourth Sunday of every month, The Tennessean will provide an in-depth look at the programs progress and its impact.

Catching up with The Tennesseans five students

In February The Tennessean introduced five students who will be featured throughout the year as they make their way through the Tennessee Promise program. Heres what theyve been up to lately.

oSabrina Cornejo (Gallatin) has been holding down a full-time job at Lowes, but her top priority is graduating high school. As ready as she is to start studying to become a respiratory therapist, she teared up a little when she took her first picture in a cap and gown. Last week, she picked her first round of classes at Volunteer State Community College

oJonathan Dyer (Bartlett, a suburb of Memphis) wrapped up his Eagle Scout project this weekend by working with a group of friends to plant trees and flowers around his high school campus. Hes also continuing to photograph events and emergency scenes for local fire departments. He has already been accepted to Southwest Tennessee Community College.

oGeraldine Hernandez (Nashville) is busy preparing decorations for her senior prom next month. Next week, she will be trying to get certification to become a clinical medical assistant. She plans to get a job before starting class at Nashville State Community College.

oJustin Short (Kingsport) has been working to complete the community service hours required of all Tennessee Promise students by cleaning up his hometown through the Keep Kingsport Beautiful campaign. Hes also stepped up his work schedule to 45 hours a week. He hopes to save the extra money for books this fall at Northeast State Community College.

oTahj Turnley (Brentwood) starts class at the Tennessee College of Applied Technology in Hohenwald in July. He still plans to use his experience there to get a four-year degree in mechanical engineering. In high school, hes been taking classes on personal finance to prepare himself for financial independence in college.

How Going Green Can Save You Money & Get You Out of Debt

With Earth Day right around the corner, it’s a perfect time to ask ourselves if we’re doing enough to help the planet. While it might be difficult at times to discover new ways to be environmentally friendly while on a budget, doing so could actually save you a decent amount of money. So to help incentivize some of you to be a little greener, here are some great ways to keep the planet healthy and your wallet full.

1. Save Those Bottles amp; Cans

This may not be something you do on the regular, but recycling your aluminum cans, plastic bottles and glass at a bottle return center could net you some extra cash. Although the return isn’t huge, taking a trip every month or so to the recycling machine is an easy way to make a little extra cash. Just think of it as, you’re going to the store to buy food anyway so returning the bottles isn’t an extra trip but one that actually gives you money back. Keep in mind you paid for the bottle deposit so you’re wasting money by not returning the bottles. Not only that, but you’ll also be cutting down on pollution caused by waste.

A great way to spend that little extra windfall each month is to put the money towards your grocery budget (but don’t make this an excuse to go over budget).

What Is Your Lifetime Cost of Debt?How much will you pay in interest over your lifetime? You may be surprised. Find Out Now

2. Consider Solar Panels

Maybe they look a little funky on your roof like you’re looking for aliens, but your wallet will love how much they help you save. Many companies will now install the panels free of charge, though make sure you read through the contract and make sure you understand what youre giving up to get the panels. You can then sit back and let Mother Nature help you rack in the savings as you use less and less paid electricity and more of the sun’s natural, and free, energy.

The savings don’t have to stop there though. Take the money you’ve saved and look into investing in some other energy-conscious products for your home. Energy Star appliances, LED lightbulbs, and low-flow sink fixtures are just a couple of examples of things that can keep both your wallet and the environment a little bit cleaner. The savings you see on your utility bills can be placed toward savings for future home improvement projects and sometimes, if you have a lot of extra energy you can sell that back to the energy company.

3. Make Your Own Cleaning Products

Green cleaning products are all the rage, but they can come with a bigger price tag than normal cleaning products. The good thing is, they are so simple to make yourself at home and you most likely already have all the ingredients in your kitchen. Better yet, making these products at home can help cut down on the environmental pollution caused by their manufacture and disposal. Eartheasy.com has some great examples of non-toxic home-cleaning formulas. Just take a moment to add up cleaning supplies each month and see your savings from making it yourself.

4. Carpool or Take Public Transportation

Wouldn’t it be nice to not have to deal with traffic or gas prices? Public transportation and carpooling is a great way to save some money and reduce your carbon footprint. The savings don’t just end with gas though. Fewer miles on your car will save you money on maintenance and repairs, and ditching a vehicle altogether (if you can manage it) will keep you from having to pay money on car insurance and registration fees.

With all that extra money, you can start saving up for an emergency fund or bolster the savings you already have. Of course, if you think you might need a car again someday in the future, you can put a little portion of that money towards the down payment on a new car or lease. Also, consider an alternative earth-friendly car to cut costs on gas and even service for that car. You should always take the future and the unexpected into consideration when planning your savings.

Also, if you have debt, the extra savings can be added to your monthly payments to pay down your debts faster. Your debt load can have an impact on your credit scores, which in turn have an impact on your access to credit in the future. The better your credit, the better chances you have of getting lower interest rates, which saves you money over the lifetime of the loans. You can see how your debts are affecting your credit by getting your free credit report summary on Credit.com.

So take some time this Earth Day and see if there is anything you can do to help the environment. Chances are, doing so could actually save you, or make you, a decent amount of money in the long run. In addition to saving money, your actions can help make this planet a healthier, safer place to live for all of us.

More Money-Saving Reads:

  • What’s a Good Credit Score?
  • What’s a Bad Credit Score?
  • How Credit Impacts Your Day-to-Day Life

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The 25 best college football teams since 1980 that didn’t win national titles

We often remember the great teams who do not win titles more than the ones who do. The NFL has a series devoted to great teams that come close, but dont quite get themissing ring. Our memory of the great Cinderella basketball champions of the 1980s is dictated by thegreat teams NC State and Villanova defeated.

College football has famous near-miss teams that would have gone down in history as all-time teams if not for one or two plays: 83 Nebraska, 86 Miami, 87 Florida State, 93 Notre Dame, 98 Ohio State, 02 Miami, 05 USC, and 10 Oregon come to mind. Each missed out on a national title because of one narrow loss.

Clients Can Lower Auto Insurance Costs By Comparing Quotes!

PR Web

(PRWEB) April 20, 2015

Lower-auto-insurance.com has released a new blog post explaining how to lower the costs of an auto insurance policy.

Clients who renew their auto insurance plans or those who buy a plan for the first time, can take several steps to reduce the costs of their premiums. There are many factors that determine auto insurance prices. Most of these factors are covered in the newly released blog post.

An insurance brokerage website like http://lower-auto-insurance.com/ gathers quotes from top rated agencies. The website offers online support for drivers who need coverage. It also hosts important articles on auto insurance topics.

Carrying liability auto insurance is very important. Drivers should always have a policy that offers them financial protection.

Lower-auto-insurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Lower-auto-insurance.com is owned by Internet Marketing Company.

For more information, please visit http://lower-auto-insurance.com.

Read the full story at http://www.prweb.com/releases/autoinsurancequotesonline/carinsurancequotesonline/prweb12665063.htm

Comprehensive Auto Insurance Is An Important But Complex Policy

PR Web

(PRWEB) April 21, 2015

Carinsuranceshoppingsource.com has released a new blog post explaining the importance of analyzing comprehensive auto insurance plans.

Comprehensive auto insurance is a complex policy because it provides coverage for numerous situations. The coverage limit can also be high and the premiums are usually expensive. Comprehensive auto insurance will protect a car against fire damage, vandalism, theft and from many other situations.

Comparing quotes is no longer difficult and it can help drivers find the right type of auto insurance for their vehicles. Clients can compare the best car insurance plans online, on a single website: http://carinsuranceshoppingsource.com/. The website features offers from top agencies in the country.

Comparing quotes proves to be a simple and efficient way for reducing auto insurance costs. By comparing different offers from various agencies, drivers increase their chances of finding affordable policies.

Carinsuranceshoppingsource.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Carinsuranceshoppingsource.com is owned by Internet Marketing Company.

For more information, please visit http://carinsuranceshoppingsource.com/.

Read the full story at http://www.prweb.com/releases/carinsurancequotesonline/vehicleinsuranceonline/prweb12665920.htm

CareerBuilder survey paints brighter picture for recent college graduates

Soon-to-be college alumni will have more to celebrate than just the end of term papers and final exams after a CareerBuilder survey found ample job prospects and higher-than-usual starting salaries.

According to a survey, 65 percent of employers say they plan to hire recent college graduates this year, up from 57 percent last year and the highest outlook since 2007. One third will offer higher pay than last year, and one in four will pay $50,000 or more.

New college graduates have better prospects this year than in years past – both in terms of opportunities and salary offers, said Rosemary Haefner, Chief Human Resources Officer of CareerBuilder. They still face challenges, however. One in five employers feel colleges do not adequately prepare students with crucial workplace competencies, including soft skills and real-world experience that might be gained through things like internships. Job seekers with a good mix of both technical and soft skills will have the best prospects right out of college.

The national survey was conducted online by Harris Poll on behalf of CareerBuilder from February 11 to March 6, 2015, and included a representative sample of 2,175 hiring managers and human resource professionals across industries and company sizes

Where do new graduates fall short?

While prospects are better, some employers are concerned that new college grads may not be ready for the real world. Twenty-one percent do not feel academic institutions are adequately preparing students for roles needed within their organizations. When asked where academic institutions fall short, these employers cited the following concerns:

–Too much emphasis on book learning instead of real world learning: 46 percent I need workers with a blend of technical skills and soft skills gained from liberal arts: 38 percent
–Entry-level roles within my organization are more complex today: 22 percent
–Not enough focus on internships: 15 percent
–Technology is changing too quickly for academics to keep up: 14 percent
–Not enough students are graduating with the degrees my company needs: 10 percent

When asked to name which skills they think recent college graduates lack for the workplace, most of these employers cited interpersonal or problem-solving skills:
–Interpersonal or people skills: 52 percent
–Problem-solving skills: 46 percent
–Oral communication: 41 percent

House committee begins hearings on auto insurance bills

LANSING, Mich. (WOOD/AP) — The Michigan House is wasting no time to consider Senate-approved changes to the state’s auto insurance law.

The Republican-led House Insurance Committee held a hearing Tuesday morning on the fast-moving legislation. The panel is likely to make changes to the bills.

Michigan is the only state that requires unlimited medical benefits for those severely injured in crashes. Car insurers complain that they have to pay more than health insurers do for medical care, resulting in higher premiums for motorists.

One concern that came out in the hearing was that the changes could lead to compromised care without guaranteed rate reductions.

Officials from two brain and spinal cord injury rehabilitation centers in Michigan spoke out against the changes. John Gwynne Prosser II, the vice president of Health Partners, hopes to testify against the bill this week, as well. His organization has offices in Grand Rapids and Kalamazoo.

Supporters of the GOP-backed measures say the unlimited benefits would continue, just at a more efficient cost. The Insurance Institute of Michigan says the reform will lead to fairness for all.

The chair of the Insurance Committee told 24 Hour News 8 after the hearing that he would want the bill to clarify that it would cap only basic attendant care at $15 per hour for those who can’t get a reasonable rate and that specialty attendant care would not be capped.

Nobody would lose any of the benefits that they’re currently receiving and nobody would lose benefits going forward. All we are trying to do is reel in costs, Rep. Tom Leonard, R-DeWitt Township, said.

Another hearing is scheduled for Wednesday afternoon, with more to follow throughout the week before the bill would go for a vote. No vote is expected until later in the week at the earliest.

Auto insurance legislation has stalled previously over objections from health providers.

The Costly Danger of Putting Extra Money in Your IRA

Saving in an IRA is a good thing. But stashing away too much in a single year can get you in trouble. Put more money into an IRA than the annual contribution limit, and Uncle Sam will sock you with a 6% penalty each year until the extra money is taken out.

See Also: IRAs Special Report

Those most likely to run into the penalty are workers who earn too little to contribute the legal maximum — and, for Roth IRAs, those who have too much income. Also, new IRS limits on IRA rollovers raise the odds of getting hit with a penalty. With these new rules, excess contributions will become more of an issue, says Jeffrey Levine, IRA technical consultant for Ed Slott and Co., which provides IRA advice.