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Santa Rosa Junior College is seeking the support of the community for the Bridging the Doyle scholarship program.
With the temporary loss of the Doyle Scholarship, many students who deserve awards will not receive scholarship funds to attend SRJC. The college is seeking donations to fund scholarships for high school seniors to attend SRJC next fall.

For six decades, more than $76 million from the Frank P. Doyle Trust provided scholarships to over 120,000 SRJC students. Since 2008 when the Doyle fund was suspended, the Bridging the Doyle program has given 1,181 local high school students $545,650 in financial aid.

All contributions to the SRJC Foundation’s Bridging the Doyle fund go directly to high school students, and donations are tax deductible.

To make a donation online, go to: www.santarosa.edu/bridgingthedoyle or send a check payable to the SRJC Foundation with the notation "Bridging the Doyle" to: SRJC Foundation, 1501 Mendocino Avenue, Santa Rosa, CA. 95401-4395. 本文出自 Mr.J ....

There are times though that you may owe the IRS an amount of money that you can no longer pay. Your tax returns might have been incorrect for several years which means that you have paid less tax than what was due. If that is the case, the amount can be substantial, especially when penalties and interests are added into these obligations. However, there are several IRS debt relief options that may be able to help you:

1) IRS Tax Relief Settlement: This scheme allows you to settle your debts for a percentage of the amount owed, depending upon your age, assets and personal budget. Simply put, it's based on your capacity to pay.

2) Offer In Compromise: This scheme allows you a onetime chance to clear your debt to the IRS for a fraction of the actual amount due. The IRS will look at your case and may agree to settle your debt for a certain amount depending on certain guidelines. But, there are certain obstacles that must be overcome before your tax debt is reduced. The IRS then makes an offer to you. A reduced amount that they think you can pay based on your financial situation.

3) Payment Plan: There are cases when the IRS gives you time to pay your tax debt when the IRS is convinced that you cannot pay your obligation in one payment. Your account can be flagged "not currently collectible" if you are unable to pay your tax liability. Until you are in a position to accept a payment plan or an Offer in Compromise is made, the IRS will continue to bother you.

4) Penalty Abatement: If you cannot pay your outstanding tax debt due to certain circumstances that are out of your control, it is possible to challenge the interest and penalties that have been added to your account. However, it is advisable for you to appoint an experienced tax advisor due to the intricacy of this scheme. Applications for penalty abatement have to be very specific and comply with all the IRS rules and regulations.

Gold and silver continued their upward trend and moderately inclined yesterday despite the drop in commodities.

Gold and silver continued their upward trend and moderately inclined yesterday despite the drop in commodities. The Euro sharply depreciated against the USD. Today, the American non-farm employment report will be out and some expect it will show a sharp gain in employment; the Canadian employment report will also be released today.

Gold inclined on Thursday by 0.46% to $1,620.1 ; silver also rose by 0.68% to reach $29.30. In the chart below are the normalized gold and silver during recent weeks (normalized gold and silver to December 23 rd 2011). During January gold increased by 3.4% and silver price by 4.9%.

U.S. Non- Manufacturing Index Slightly Rose to 52.6%

The U.S. non-manufacturing PMI, an index that estimates the economic activity in the U.S. non-manufacturing sector, grew to 52.6% in December i.e. a 0.6 percent points gain. This may have been among the factors to help pull down the risk currencies against the U.S. dollar.

The number of people seeking help from free debt advice agencies has risen in the last year, a new survey shows.

Some 1.54 million people sought help in 2011, compared with 1.4 million the previous year, the study by the Money Advice Trust has shown.

Figures also show around 10 million individuals in the UK find themselves in a constant struggle to manage their debts, the charity found.

The survey, carried out by the University of Nottingham for the Money Advice Trust, is an update on previous work forecasting demand for debt advice in the UK.

The research predicts a sharp rise in the demand for debt advice in the first half of this year, mostly due to growing unemployment and modest wage growth.

If you have a high school senior child and they want to go to college it is wonderful. In the world today it is almost impossible for parents to be able to afford college, especially if the child wants to go to an Ivy League college. Thankfully there is help as all one has to do is complete a few things before graduating from school and they could qualify for a Scholarship.

Many seniors in high school think that to get a scholarship you must get perfect grades and have done a lot of work within the community. This used to be true but now is not as important as more and more want to enter college there are places online where you can ask for scholarships.

One of the most important things to remember for school seniors about scholarships is to start early. Many seniors know what they want to do once they graduate and getting into the college they want to should start with finding out just what kind of scholarships there are available to them. They do not need to have a four point average but it helps if their grades are up there.

There are so many different high school scholarships it can take quite a lot of time to literally go through them all. Some will tell you to start online. Find a web site that lists the scholarships they might be interested in but more important, the scholarships that they qualify for. The first step might be the foundation that is offering the scholarship may require you to write a lengthy essay. This information can be found in many different places, newspapers, magazines, and even books.

High school seniors must know that a scholarship is offered by a certain government institution with conditions attached. They can also be offered by certain companies, usually the large corporations have scholarships running every year but you can even find some smaller companies offering tailored scholarship programs.

The grants, which will fund student projects involving water quality, aquatic ecosystems, water conservation and other water-related topics, are designed to fit into science, technology, engineering and math curriculum that is being emphasized in public education in Florida.

"The district recognizes the critical role STEM education - science, technology, engineering and mathematics - plays in preparing students for the future," said Mary Margaret Hull, Swiftmud's lead communications coordinator, "With the help of the grant program, students will learn the importance of protecting and conserving Florida's water resources through STEM-based education projects."

The Polk County grants are:

Linda Hughes, Bartow Elementary Academy, will receive $1,435 for students to collect meteorological measurements to analyze the precipitation, evaporation and water needs of plants on the campus.

Jessica Fredricks, Bethune Academy, Haines City, will receive $3,000 for students who will work with civil engineers and biologists to create a map of Lake Boomerang and other habitats on or near the campus.

When you think about ecommerce payments, you might think about entities like shopping carts and services like Google Checkout or PayPal. These kinds of features work when you operate an online store. But for lots of people, they just aren't appropriate. If you need to send an invoice to get paid and you don't have an online store, you can turn to a free payment service aggregator based in Boulder, Colorado called InspirePay that was launched December 20.

According to founder and CEO Mark Fischer, InspirePay's first and free payment product enables an individual or business to create a "Pay Me" page that aggregates all of the payment services they already use. These can include a merchant account, the Stripe payment system , and the familiar online payment services PayPal, Google Checkout and Dwolla. It can be described as an "About Me" page of payments, he says.

"Ideal uses include any situation where pricing varies, such as wholesale sales or services linked to an invoice," explains Fischer, who has been an online strategy consultant for the past twelve years, and has run the merchant services provider Inspire Commerce for more than four years. "People are already using it for more person to person situations as well, such as beer money, splitting a meal among friends, and even raising money for simple things like Christmas gifts for teachers where all of the parents are chipping in."

Users who create an InspirePay page can quickly request payment by sending a link, such as When the recipient clicks on the link, he or she pays, and the sender of the link receives their $50. If a seller or service provider leaves the dollar amount off the link, the payment page asks the person paying to specify a dollar amount.

Fischer says InspirePay's primary target market consists of individuals who want to be paid online but who don't want to depend on a shopping cart system. Many of the service's customers include graphic designers who do all of their business online. You can read Fischer's vision in a June blog post entitled Electronic Payments Manifesto .

Credit Karma, a free credit education website, has just added credit monitoring to the list of services it offers to its registered users.

CreditKarma.com has offered free credit scores for a few years, and has now added free credit monitoring.

The service tracks credit reports provided by credit reporting agency TransUnion. That means if TransUnion gets a request for information regarding a new credit application or adds a negative item such as a late payment to a credit report, Credit Karma will send an email notification letting the individual know, said founder Kenneth Lin.

The service is available to the site's 4 million existing users, in addition to new users as they sign up. Users must opt-in by providing details such as a Social Security number and birth date to enable the service to track credit history.

Lin said the site does not share personal information with third parties. It uses several well-known security measures to protect users' data.

As the bills from holiday shopping start rolling in, officials are urging consumers to take the time to check annual credit reports to ensure the splurging was for their loved ones and not for the loved one of an identity thief.

A U.S. Department of Justice report recently released revealed that identity thieves are increasingly using personal information to rack up charging on existing credit cards of unsuspecting victims. According to the report, 8.6 million households had at least one member who experienced identity theft, compared to 6.4 million households in 2005. The report also revealed that victims lost an average of $5,650, compared to $2,800 in 2005.

"Part of the increase is because some feel that desperate times call for desperate measures in that some people turn to this crime just to keep their lights on," said Mike Prusinski, senior vice president of LifeLock, a national identity theft protection company. "I have heard from numerous law enforcement agents around the country talking about family members, taking advantage of family members and parents using the personal information of their children because they have fallen on hard times financially."

He said consumers should take a proactive approach to guarding their personal information against loved ones and criminals alike. Getting a paper shredder is an easy and affordable step that Prusinski said anyone can take.

"Shred everything," he said. "It used to be we just told people to shred financial documents, but now we need to shred everything because criminals have gotten so good at social engineering. They see an envelope from your bank, so they know what bank you use, then they go to public websites to find out even more information from tax returns, divorce agreements and mortgages, something of which could have your Social Security number, so then they go and apply for a loan or go into your bank and withdraw your money. It can happen that quickly, so people need to take steps now before it happens to them."

The main feature of this handset is its exceptional camera. There are many handsets available but it is known for its uniqueness. It is the best for those who are camera freak and are always looking to capture some photo or click something they find interesting. The quality of the camera is too good and the handset is flawless when it comes to service of this camera i.e. imaging service.

The camera of is 3.2 mega pixel and can capture and shoot good quality as well as attractive images. By doing so the photos clicked can be after wards shared with the family members, friends or relatives. The quality of this handset can be compared to the other world class handset in terms of picture quality. It's just amazing and outstanding.

The other main features are that this handset use GPRS, EDGE, HSDPA(3G), GSM technologies. Due to the presence of the above facilities this handset can be operated or used in almost any part of the world. It does not face any problem connectivity wise and communication wise. It also has video streaming facility that means that the user can choose tune on his or her own choice when enjoying a particular clip. The memory of this device is 160 MB and can also be expanded with the use of Smart Memory Stick because which large amount of data can be stored. Moreover the resolution of the handset is good enough it has 240*320 pixels. The services it provides in terms or entertainment are video recording, Audio Player AAC, eAAC, MP3 and has Video player 3GP, MPEG4.

This handset also has facilities of currency converter, calculator calendars and other useful features. The user can use any of them depending upon the needs and requirements. This mobile are considered to be the fast growing trend among youth. This handset comes in two colors one is with cool casing which is cyan colored and casing of black color. It is also not get affected by way and is dust resistant.本文出自 Mr.J ....