Seacoast Utility Authority #plumber #palm #beach #gardens, #website #main #keywords #for #search #engines #goes #here #(can #be #changed #here #or #set #on #individual #pages).



New online payment center

Signing up is easy! Create your profile to make online payments, set up automatic payments, receive Ebills, view your bill and sign up for email or text reminders.
Any links to our former online payment site that you may have saved or bookmarked as a favorite will no longer be valid and should be deleted .
Please visit Payment-Home to explore our various payment options. More

Meter Upgrade Program

Seacoast has recently implemented a plan by which all 35,000 customer water meters will be upgraded to Automated Meter Reading ( AMR ) technology by the year 2021. This technology, already available to approximately one-third of Seacoast customers, transmits meter readings to a central processing server 4 times daily. The reporting frequency of the new infrastructure will provide greater billing accuracy, including leak detection alerting when unusual water use patterns are detected. More

Are you planning changes?

Don t get caught in more red tape than necessary! Contact us first to discuss water/sewer impacts so you can plan accordingly. Property Questionnaire.

All customers are obligated to follow our Service Code, which governs changes to your water and sewer service. Here are just some of the things to consider when planning changes: More

Seacoast Utility Authority is a non-profit governmental regional water and wastewater utility that furnishes potable water and sewer service to approximately 50,380 households and commercial establishments.
The Authority s service area, which covers approximately 65 square miles, consists of certain unincorporated areas of Palm Beach County, and the incorporated areas of the City of Palm Beach Gardens, the Village of North Palm Beach, the Town of Lake Park and portions of the Town of Juno Beach, all in northern Palm Beach County, Florida.
The Authority has no taxing powers and does not receive any tax revenues from the state, county or city governments.

AquaHawk is a new tool for customers with a smart meter. To find out if your meter has been upgraded, look for Remote under Read Type on your billing statement; this indicates you have a smart meter.


Seacoast has received reports that firms marketing home water treatment devices have unscrupulously misrepresented Seacoast s water quality to our customers. If a marketing representative states or implies that there are problems with the drinking water supplied by Seacoast, ask them:

1) May I have a copy of the analysis made by a certified lab that shows where Seacoast s water quality fails to meet drinking water standards? Ask the vendor/caller for information about the laboratory used, Florida lab certification number and a phone number where the lab can be reached.

2) Ask if the vendor has reported these alleged violations to Seacoast or the Palm Beach County Health Department. If so, what are the names of the individuals to whom the vendor reported these alleged violations and what was their response?

It is suggested that you refuse to interact further with the vendor/caller until all of this information is provided. Then if you decide you want to allow the individual into your home, we will be pleased to meet with you either in your home or at Seacoast for a more in-depth review of the allegations.

Home water treatment devices can be very useful in polishing water to suit personal preferences (taste, hardness, etc.). However, the water that Seacoast delivers to your home meets or exceeds federal, state and local drinking water standards.


For more information, please contact us at 561-627-2900.

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Interested In Selling

Your Life Insurance Policy?

If you are selling your life insurance policy, then you want to get the best offer available. At Welcome Funds, that’s our only job. We know all the buyers and we conduct a formal auction to secure the best price for your policy. It’s fast, easy & free to determine eligibility.


How do you know if you will receive the best offer when you sell your life insurance policy? The only way to know for sure is to apply to every licensed buyer in your state, which could be 10-35 different companies. And those direct buyers do not have your best interest in mind, they represent their investors. At Welcome Funds, we’ve leveled the playing field for policy owners. We negotiate the best offer for you by conducting an auction with these buyers. One application, one company, it’s what we call. Life Settlements. Simplified.


Founded in 2000, Welcome Funds is a nationally licensed broker that represents policy owners who want to sell their life insurance policy in the secondary market. Our institutional buyers compete in an auction bidding process to ensure that we secure the highest offer from the market. We’ve negotiated over 10,000 offers and provided more than $450 Million in sales proceeds to our clients. Please review our website to learn more about how we can provide professional representation and expert advice on selling your life insurance policy.

  • It’s Absolutely FREE to Find Out if You or Your Loved One Is Eligible
  • There’s No Obligation at Any Time
  • Our Qualification Process is Completely Confidential
  • We Provide a FREE Personal Consultation & Appraisal Complete our Quick Online Qualifier or call us toll-free at 1.877.227.4484 to speak with a Client Care Advocate.


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How to Repair Your Credit Online for Free

In our society your credit report is critical. Not only does your credit report help determine if you are eligible for a line of credit, but it helps determine if and on what terms you can get car and home loans. People with a problematic credit report are often penalized with higher interest rates and less favorable terms. As a result, we should always make sure we know what is going on with our credit report. Fortunately, if after checking your report, you’ve found that there is inaccurate or misleading information, or there is accurate information that hurts your credit, there are some steps you can take to repair your credit.

Steps Edit

Part One of Three:
Understanding How Credit Report Repairing Works Edit

Learn about your rights and limitations. The first thing you need to do to repair your credit is understand exactly what you will be able to do and what you won’t be able to do. Credit reporting is governed by laws and by the regulations of companies that participate in the credit system. Because of this, there are a number of things you’ll be able to do, but there are also things you can’t legally do.

  • You or someone working for you can’t remove accurate but negative information.
  • Under the Fair Credit Reporting Act you have the right to have inaccurate information removed from your credit history.
  • Also know that you have the same rights and abilities to repair your credit as “credit repair” companies. [1]

Know what should not be in your credit report. There are a number of things that are legally not allowed to be included in your credit history. These banned items are a mix of factors that do not directly impact your credit worthiness and items that do reflect your history but are excluded because of law or common practice. If any of these items are on your credit report, you have the right to have them removed. Banned items include:

  • Medical information and medical history.
  • Chapter 11 bankruptcies older than 10 years.
  • Any debt that is more than seven years old.
  • Information about your marital status, sexual preference, race and ethnicity, or age. [2]

Check your credit report for free. The first step in repairing or even understanding your credit report is to check it. Checking your credit report will help you keep tabs on new or suspicious items. You’ll also gain an understanding of how credit reporting works and you might also be able to track your credit score.

  • There are three major credit reporting bureaus: Experian, Equifax and TransUnion.
  • All three can all be checked once per year for free through is the only source of free credit reports and is authorized by federal law.
  • Make sure to spend time checking over all three reports from all three agencies.
  • Each of the three above-mentioned reporting sites can have varying data on you. You need to know what each one says about your debts. [3]

Determine if you need to repair your credit. After you’ve educated yourself and checked your credit report, you need to determine if you have the right to repair or fix your credit report. Most of the time, you have the right to repair your credit report (for free) if there is inaccurate or erroneous information on it. Consider:

  • If there are items due to identity theft or similar issues marring your report.
  • If a company has reported a debt that is inaccurate or untrue.
  • Any negative items that you incurred and are responsible for will be very difficult to remove. [4]

Back in 2013 I received a 1099c, however that balance still shows on my credit report. How do I clear it off?

Answered by wikiHow Contributor

  • Unfortunately, there is no clear line about whether a 1099c should or should not be reported on the credit report. Some creditors and agencies report them. You can contact the credit reporting agency and the creditor and try to have them remove it. You might have to wait a few more years until it vanishes from your report on its own.

I am currently disputing one of my credit reports. The other 2 are coming in the mail. There are many accounts on my credit that are negative. What should I do?

Answered by wikiHow Contributor

  • Well, if these accounts were created by someone else (illegally) in your name, you need to dispute them and resolve any identity theft and credit fraud problems that are plaguing you. Make sure to be proactive about this.

Wells Fargo started foreclosure 2 years ago, we went to court and they lost. They then modified the loan and I made a payments on time. I sold the home 5 months later but according to a recent mortgage inquiry it is still showing as a foreclosure. How do I fix this?

Answered by wikiHow Contributor

  • You need to contact Wells Fargo and inform them of this error. At the same time, contact the reporting agencies and let them know that this is an error. Unfortunately, sometimes banks will report foreclosures even if the foreclosure did not go through.

How Much House Can I Afford? #how #much #home #can #i #afford #with #a #va #loan


How We Calculate Your Home Affordability Estimate

We estimate your home affordability based on your annual income, down payment, monthly spending, loan type, and current average APR.

Annual Household Income

In order to determine how much you can afford to pay each month, we start by looking at how much you earn (salary, wages, tips, commission, etc.) each year before taxes. This should be the combined income for people searching for a home together.

Monthly Spending

Once we have your monthly expenses, we can more accurately determine how much money you have left to spend on a monthly mortgage. Take into account debt (car loans, student loans, credit cards, etc.), recurring payments (insurance, utilities, subscriptions, etc.), groceries, and even savings that would not go toward your mortgage, when calculating your monthly spending.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Loan Term and Interest Rate Options

The monthly amount of your mortgage payment depends on loan term (duration) and interest rate. Generally, a longer-term loan will have lower monthly payments, but at a higher interest rate, so you’ll end up paying more money overall. You can build up your credit or save for a larger down payment to qualify for a lower interest rate. A lender can also help determine a financial plan, and present the best loan payment loan term and interest rate for your needs.

APR (%)

The Annual Percentage Rate (APR) is a number designed to help you evaluate the total cost of a loan. In addition to the interest rate, it takes into account the fees, rebates, and other costs you may encounter over the life of the loan. The APR is calculated according to federal requirements, and is required by law to be stated in all mortgage loan estimates. This allows you to better compare different types of mortgages from different lenders, to see which is the right one for you.

Annual Property Tax (%)

As a homeowner, you’ll pay property tax either twice a year or as part of your monthly loan payment. This tax is a percentage of a home’s assessed value and varies by area. For example, a $500,000 home in San Francisco, taxed at a rate of 1.159%, translates to a payment of $5,795 annually. When you buy a home, you will typically have to pay some property tax back to the seller, as part of closing costs. Because property tax is calculated on the home’s assessed value, the amount typically can change drastically once a home is sold, depending on how much the home raised or decreased in value.

Monthly Mortgage Payment

When calculating how much home you can afford, we estimate how much you will pay each month toward your mortgage. Your monthly mortgage payment will include principal and interest. It can also include property taxes, homeowners’ insurance, homeowners’ association (HOA) fees, and private mortgage insurance (PMI) if your down payment is less than 20 percent. Additionally, it’s a good idea to budget one percent of your home price for home upkeep, repairs, and maintenance.

Down Payment

The typical rule of thumb is to pay 20 percent of the home’s price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the more expensive a house you can buy. At the same time, you can put more money down to decrease your mortgage payment each month. Use the affordability calculator to see how your down payment affects your home affordability estimate and your monthly mortgage payment.

Homes in Your Price Range

We use your home affordability estimate to determine which for-sale homes you can afford to buy in the location you specify.

Credit Scores

Though we don’t factor credit scores in our home affordability estimate, it is an important factor in qualifying for a loan and determining interest rates. Generally, the higher the credit score, the lower the interest rate will be for most loans. This means your the overall payment will be lower. Even lowering your interest rate by half a percent can save you thousands of dollars.

Financial Documents

Here are a few documents to help you understand your financial situation and how much house you can afford:

  • Recent statements from all bank and investment accounts
  • Pay stubs and W-2 income tax forms
  • Total monthly expenses, including all bills, groceries, clothing budgets, etc.
  • All of your assets, including stocks, 401(k), IRAs, bonds, cash, rental properties, etc.
  • All debt including credit cards, student loans, car loans, mortgages, etc.
  • Credit score
  • Profit and loss statements if you are self-employed
  • Gift letters if you are using a gift to help with your down payment

The affordability calculator is intended for planning and educational purposes only. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. Talk to a lender to find out exactly how much home you can afford.

More Resources for Home Affordability

How Much of an FHA Loan Can I Qualify for and Afford, how much can i qualify for a home loan.#How #much #can #i #qualify #for #a #home #loan


How Much of an FHA Loan Can I Qualify for and Afford?

By Brandon Cornett | 2017, all rights reserved | Duplication prohibited

Reader question: I will be purchasing my first home in 2015 and plan to use an FHA loan. How much money could I borrow to buy a house based on my income? I make about $80,000 per year. Are there calculators that can tell me how much of an FHA payment I can qualify for with my salary?

There are all sorts of mortgage calculators available online these days, but they can t give you the number you want. That s because you are asking two separate questions:

  1. How much of an FHA loan can I qualify for?
  2. How much of a mortgage payment can I afford?

These are two different questions. The first has to do with loan-approval criteria. The second has to do with your own budgeting and affordability. So let s tackle them one at a time.

Short answer: Here s the gist of this article in 100 words or less. The general rule for FHA loans is 43% debt-to-income ratio. This means your combined debts should use no more than 43% of your gross monthly income after taking on the loan. But there are exceptions. If you have a lot of cash in the bank, excellent credit, and/or other sources of income, you could get approved with a ratio above 43%. Still, it gives you some idea where lenders draw the line these days.

How Much of an FHA Loan Can I Qualify for?

Income is one of the factors that will determine who how much of an FHA loan you can qualify for and for obvious reasons. But it s not the only factor. The total amount of debt you carry will also play a big role. In fact, mortgage lenders consider these two things together, using a formula known as the debt-to-income ratio, or DTI.

The DTI is a comparison between the amount of money you earn each month (your effective income in FHA lingo), and the amount you spend on your recurring debts. You have two of these ratios.

  • Your front-end ratio includes housing costs alone.
  • Your back-end ratio looks at all of your recurring debts including credit cards, car payments, etc.

The general rule for FHA loan approval is 31/43. This means your total debt load should use no more than 43% of your gross monthly income.

How much can i qualify for a home loanHere s an example using a gross monthly income of $6,000. In this scenario, the borrower s total monthly debts (including the mortgage payment and other recurring expenses) should add up to no more than $2,866 per month. The math looks like this: 6,000 x .43 = 2,866.

The housing payment in this scenario should not exceed $1,860 per month (because 6,000 x .31 = 1,860).

But there are exceptions to the 31/43 rule of thumb. Lots of them. If the lender can find and document compensating factors that show the borrower is a strong candidate for an FHA loan, they can allow for a higher back-end DTI ratio. Up to 50% in some cases. But again, it varies from one lender to the next.

Compensating factors might include:

  • verified and documented cash reserves,
  • minimal increase in housing payment,
  • significant additional income not reflected in effective income, and/or
  • residual income.

Your credit score comes into the picture as well, but it doesn t have as much influence as your income versus debt. In short, if you have excellent credit you might be able to qualify for FHA financing with a debt ratio above the soft limits mentioned above.

This might be a bit confusing, because we are dealing with hypothetical scenarios. When you apply for a loan, the lender will look at a wide variety of factors. So the best way to find out where you stand is to talk to a HUD-approved mortgage lender. Ask them: How much of an FHA loan can I qualify for? They ll look at your income level, your debt situation, and your credit and borrowing history to answer this question.

How Much of an FHA Loan Can I Qualify for?

When you ask how much money you could borrow, you re only looking at half the picture. You also need to ask yourself, How much can I actually afford to pay each month?

Believe it or not, it s possible to be approved for a home loan that s too big for you or one that might become unaffordable down the road, due to changes in your financial situation. This is one of the reasons why people end up in foreclosure.

Setting Up a Housing Budget

So before asking a lender how much of an FHA loan you can borrow, you should establish a monthly budget for yourself.

First, you should compare your net monthly income (your take-home pay ) to your overall monthly expenses. When I say expenses, I m talking about everything you spend money on each month that is not housing-related. This includes gas, food, credit card bills, car payment, entertainment, savings account contributions. Everything.

The money left over is what you have available to put toward a mortgage payment. You don t want to use this entire amount, because that would eliminate your emergency funds. But it does give you a starting point for your monthly home-buying budget.

You must also consider your future job security, as well as that of your spouse (if applicable). None of us can predict the future, but there s always a possibility that one of you could be laid off in the future. Because of this possibility, it s rarely a good idea to stretch both incomes to cover the house payment. You want to have a cushion, just in case your income shrinks for some reason.

Of course, there are other unforeseen circumstances as well. In your budgeting, you may not account for a major injury or illness that racks up big hospital bills. You just cannot predict that sort of thing. But it can happen. If you don t allow for such surprises within your budget, you won t be able to afford them when they come along. So give yourself some financial breathing room.

After you have determined what you can spend each month, you can move on to the next step of the process and get pre-approved by a lender. This is when you find out how much of an FHA loan you can qualify for, based on the factors we discussed earlier.

Do Not Ask a Lender What You Can Afford

Many first-time buyers rely on their mortgage lenders to tell them how much of a house they can afford. This is a mistake. It s possible to get approved for a home loan that s too big for you. Just ask one of the millions of Americans who went through foreclosure over the last few years.

Lenders can tell you how much you are qualified to borrow. But they cannot tell you how much you can comfortably afford to pay each month. These are two different things.

Just because a lender approves you for a certain amount doesn t mean you have to spend that much. The approval amount could very well exceed your comfort zone. This is a fairly common scenario. So before you start applying for loans or contacting lenders, you need to set your own monthly spending limit.

Disclaimer: This article answers two important questions. (1) How much of an FHA loan can I qualify for? (2) How much of a mortgage can I afford? It s important to think of these questions separately, because they are two different concepts. This article provides a general overview of mortgage qualification factors and budgeting concepts. Every lending scenario is different. As a result, some of the concepts and guidelines above may not apply to your situation. This article does not constitute financial advice.

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Bachelor of Science in Environmental Science

This program is not available based on your location. Please edit your location above or search for an alternative program that is available in your current location.

Campus Locations

If you prefer face to face interaction, there’s a good chance we have a campus location near you.

The Bachelor of Science in Environmental Science offers the interdisciplinary education you need to become a well-rounded professional and start making a difference in the world. With a science background, you can prepare for unique roles in government or the private sector, helping combat today’s environmental challenges.

This curriculum — through courses that cover current environmental events, concerns and controversies — will help you develop a deep understanding of how scientific principles and the environment impact each other. You’ll study topics like biology and chemistry and take courses that reveal the nuances of environmental issues like environmental law and risk assessment. Additionally, you’ll expand your critical thinking, information utilization and analytical skills.

If you’re looking to help governments or businesses tackle environmental issues or prepare to pursue a graduate degree, explore the program offerings and information below to see how this program can help.

Requirements and prerequisites

You’ll need XXX credits to complete this program, which may be earned from a combination of required and elected courses. However, required courses may vary based on previous experience, training or transferable credits. View general requirements.

There are no prerequisites for this course.

Get started here

Introduction to Environmental Sciences

00:17 Are you looking for a career that reflects that passion?

00:20 How much do you know about environmental science and its related careers?

00:24 Let’s explore the field and talk a little about what you can expect from a bachelor’s degree in environmental science from University of Phoenix.

00:31 Environmental science is an exciting area that brings together the natural sciences, environmental law, policy, and ethics to improve the way we interact with our world.

00:39 Throughout your degree program, you’ll learn about environmental protection, restoration, sustainable energy, and pollution control.

00:46 Increasing interest in environmental issues, combined with a growing need for sustainability, have expanded opportunities in this already thriving field.

00:54 Let’s take a look at some of the areas you’ll be learning about.

00:57 Ecology is the study of the interaction between living things and the environment.

01:02 Through research, ecologists provide vital information for the preservation and restoration of species and landscapes.

01:10 This basic information is essential for land managers and policymakers as they make decisions regarding species and ecological communities.

01:18 There is currently a huge need for this research.

01:20 Only 15 percent of species in the United States have been studied accurately enough to judge whether they’re endangered.

01:25 At a time when extinction rates are on the rise, understanding the ecology of species and landscapes is essential to their preservation and restoration. 01:34 A career in ecology might take you to a private consulting firm or government agency.

01:38 You may help monitor plant and animal communities, restore degraded landscapes, or provide data for construction and other projects to ensure they’re environmentally safe.

01:47 Keeping our environment safe isn’t always easy.

01:50 Pollution affects our ecosystem and human health.

01:54 Fortunately, efforts over the last 50 years, including the Clean Air and Clean Water Acts, have reduced the release of pollutants in the atmosphere and waterways.

02:02 Prior to the Clean Water Act, only one-third of waterways in the United States were clean enough to swim in. 02:07 Forty years after the act’s passage, 65 percent of waterways are safe for swimming.

02:12 This is thanks in part to the work of environmental scientists employed both by industry and agencies to ensure compliance with the law.

02:18 Jobs in pollution monitoring and mitigation include stormwater and wastewater management.

02:23 In these careers, you may guarantee compliance by collecting samples in the field for lab analysis.

02:28 Some positions focus on administrative roles, ensure that projects follow procedures and meet expectations.

02:35 You may even be asked to create a remediation plan for polluted sites. 02:39 Our society is dependent on energy.

02:41 Without energy, there can be no electricity, refrigeration, or transport. 02:46 Produce, meats and dairy, could not be shipped.

02:49 Businesses and hospitals could not operate effectively, and computers cannot function.

02:55 Energy is essential for our way of life.

02:58 Over half of our energy comes from nonrenewable fossil fuels, which contribute significantly to air pollution.

03:04 Coal fired power plants provide an incredible 40 percent of our electricity, making it the single biggest source of air pollution in the United States.

03:12 Our overdependence on nonrenewable sources has become more apparent in recent years.

03:17 When combined with the effects of global climate change, renewable clean energies such as hydropower, wind, and solar have become very attractive, but even these energy sources have their drawbacks.

03:27 Environmental scientists play a role in promoting such clean energies from their positions in industry, nonprofit organizations, and agencies.

03:36 Potential careers in energy include consulting about energy management and efficiency, as well as ensuring compliance with environmental regulations.

03:43 An environmental scientist is a critical thinker who analyzes problems, collects and interprets data, and works in teams.

03:51 You’ll learn how to improve these skills through collaborative and analytical projects.

03:55 As you pursue your degree, faculty will encourage you to think critically and holistically about environmental issues.

04:01 You’ll also receive a lab kit for chemistry to provide you with hands on experience in data collection and interpretation.

04:07 A degree in environmental science will allow you to use your passion for the environment in the best ways possible.

04:12 There are many opportunities in this field, and they can all make an impact in the protection of the environment.

Where Can I Find Free Online Political Science Courses? #political #science #online #courses, #where #can #i #find #free #online #political #science #courses?


Where Can I Find Free Online Political Science Courses?

You can study political science online for free through several accredited colleges and universities, including the Massachusetts Institute of Technology and University of California -Irvine. Classes include a number of assignment and exam materials you can review to test your knowledge. Keep reading to find out what you can learn and what materials you might need to complete these courses. Schools offering Political Science degrees can also be found in these popular choices.

What You Need to Know

You don’t have to be an aspiring political scientist, politician or political employee to take political science courses. Knowledge of the field is useful in many professions, including business, public relations, journalism, law and marketing. Online, you can find free, noncredit political science courses that allow you to study at your own pace. These courses generally feature lecture notes and some course readings, but you might need to purchase textbooks to get the most out of these offerings. You have the opportunity to complete research papers for your own pleasure, but these aren’t mandatory. Since these classes are the adapted, free versions of actual on-campus courses, you won’t have access to the instructors who originally taught the classes.

Massachusetts Institute of Technology (MIT)

You can use MIT’s OpenCourseWare site to access a number of free political science course, including Foundations of Political Science and Political Science Scope and Methods. Classes at both the undergraduate and graduate levels are offered.

Foundations of Political Science

This MIT course was originally taught to graduate students on campus. You can access exams, assignments and course materials for free and set your own study schedule.

What Will I Learn?

You will learn basic political science theories and focus on concepts, such as political ideologies, institutions, social divisions and participation. This course covers American and comparative politics, as well as the politics of international relations.

What Assignments Will I Complete?

You will write six papers analyzing topics and answering questions presented in the course’s weekly readings. Completing the assignments isn’t required because you won’t communicate with instructors.

What Materials Are Provided?

This course provides lecture notes on topics, such as democracy and social choice, collective action and global society. You may access six examples of student papers and purchase course textbooks through a link on the course’s webpage.

Political Science Scope and Methods

Another OCW course, MIT’s Political Science Scope and Methods course originated as a for-credit course offered to undergraduate students on campus. You can study course content, such as lecture notes, readings, and assignments.

What Will I Learn?

This course covers political science research methods and trains you to conduct research projects independently. You will also learn to think critically about the design and conclusions of political research projects.

What Assignments Will I Complete?

You have the option to write a 2-page paper describing a research project, a 15-page literature review and a final 20-25 page project proposal. As part of another assignment, you will answer three questions on political science topics and describe your sources.

What Materials Are Provided?

This course includes lecture notes on research methods, data gathering and political science models. You may also download guidelines for the research project and access course readings.

University of California (UC) – Irvine

UC Irvine’s Political Science 61A: Minority Politics is an OCW course based on a class that Professor Luis DeSipio taught to students on campus. You can study all course content for free and download materials for later study.

What Will I Learn?

You will examine the political roles of minority groups in America, such as African Americans, Asian Americans, Native Americans and Latinos. The course also covers the role of race and ethnicity in America’s political system.

What Assignments Will I Complete?

You could write two essays – one on the impact of two pieces of landmark legislation on current minority politics and another on minority voting in presidential politics. The course also includes two essay questions on the topics of pluralism and minority political exclusion.

What Materials Are Included?

This course provides lecture notes on several topics, including pan-ethnicity, the Voting Rights Act of 1965, and the 14th and 15th amendments. Other materials include links to political advertisements and census questions on race and ethnicity.

To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

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At Resellers Panel you will find powerful Linux Dedicated Servers – the ATOM 1 ($60.00/month), the AMD 1 ($100.00/month) and the AMD 2 ($120.00/month) dedicated server configurations offer a wide choice of operating system and Control Panel installation options for server management purposes. Our servers come with an easy-to-use Dedicated Plan Manager, via which you can register new domain names, choosing from our vast collection of available TLDs.

You can sell all of the dedicated servers without having to buy them first via our Free Reseller Program.

Why a Linux Dedicated Server?

As of 2008, 443 out of every 500 supercomputers in the world are running a Linux Distribution. The advantages of running a Linux Dedicated Server are various. The Linux kernel, being open-source based, is customizable and editable by everyone – this way server administrators can modify it according to their own needs. Linux dedicated servers have also proven to be more reliable, secure and stable than their main competitor, the Windows Server.

Due to the fact that Linux Distributions are not so widely used on desktop computers, there are less viruses and malware software applications that can affect a Linux-based machine. The extensive user community has also created a great number of support forums, which offer solutions and guides for solving most of the problems that could arise.

Linux-distributions, being open-source based, do not require any license fees and are free to use. This helps hosting companies reduce the cost for hiring a Linux Dedicated server even further. Software designed for Linux is also mostly open source, which also helps reduce IT related expenses.

Benchmarks have shown that Linux dedicated servers perform noticeably faster when compared to other dedicated servers sporting similar hardware. While they can’t be unanimously declared “fastest dedicated servers”, since this depends on much more than the OS alone, a Linux dedicated server is without a doubt faster than a Windows dedicated server.

We, at Resellers Panel, can’t say that we have the fastest dedicated servers. What we can say, however, is that our dedicated servers can work fast enough to run all your web applications with a breeze, and that using our AMD 1 dedicated server, you can even start your hosting reseller business and never notice a service slow-down.

Linux Web Hosting Servers

Due to the fact that they are more stable, and the fact that almost every major Linux Distribution has a special server edition, Linux Dedicated servers are very popular among web hosting companies. Linux Web Hosting servers are known for their capability of handling multiple user accounts at the same time without a problem, which is why they are used to power cloud web hosting accounts.

Aside from Web Hosting servers, Linux is often used as the operating system of choice when it comes to Dedicated Servers. By offering Linux Dedicated Hosting servers, a hosting provider can offer lower prices due to the lack of license fees and can also offer customized kernels, making the servers more secure, since the provider already knows what hardware components will be used.

Linux is also the OS of choice when it comes to Virtual Private Servers, especially when using an OS virtualization method, where parts of the main OS are used by each Virtual Machine to communicate with the server’s hardware.

At Resellers Panel, you will find that aside from purchasing a Linux Dedicated Server or a cheap Linux VPS server, you will have an option also to resell these services via our Free Reseller Hosting Program. It allows you to offer Dedicated Servers, Virtual Private Servers and even Semi-Dedicated servers alongside our regular cloud web hosting offers.

NALC: All 4 postal unions approve of postal bill which includes forcing postal retirees into Medicare #who #can #bill #medicare


NALC: All 4 postal unions approve of postal bill which includes forcing postal retirees into Medicare

2/7/17 NALC President Fredric Rolando was among those called to testify at a House Oversight and Government Reform Committee hearing on the recently introduced postal bill, The Postal Service Reform Act of 2017 (H.R. 756 ).

Rolando along with USPS Postmaster General Megan Brennan, Postal Regulatory Commission (PRC) Chairman Robert Taub, Government Accountability Office (GAO) Director of Physical Infrastructure Issues Lori Rectanus and Coalition for a 21st Century Postal Service’s Arthur Sackler.

The leadership of this committee reached bipartisan consensus on a concept for addressing the prefunding burden during the last Congress, which was included in a bill (H.R. 5714) adopted by the Committee but never presented to the full House of Representatives for a vote. It included reforms to the Federal Employees Health Benefit Program (FEHBP) as it relates to
postal employees and Medicare coverage. These reforms, which are modeled on best practice in the private sector, would all but eliminate the Postal Service’s unfunded liability for future retiree health benefits. We are very pleased your new bill retains these reforms.

Under H.R. 756, FEHBP plans would segregate postal employees and postal annuitants into a separate risk pool and all postal annuitants would enroll in Medicare Parts A B when they reach 65 years old. (At present, 80-90 percent of postal annuitants already voluntarily enroll in the two main parts of Medicare.) The proposal would also give FEHBP plans access to low-cost
prescription drugs and other benefits made possible by the Medicare Modernization Act. The savings would help reduce FEHBP premium costs and prefunding costs. Indeed, about half the reduction in the Postal Service’s unfunded liability would come from prescription drug savings; the rest from maximizing the participation in Medicare Parts A and B.

This approach ensures that the Postal Service and its employees fully benefit from the $30 billion they have contributed in Medicare taxes since 1983 and adopts the standard practice of large private companies that provide retiree health insurance. This reform would effectively resolve the prefunding burden that undermines the health of the Postal Service while raising
Medicare spending by just one-tenth of one percent over the next 10 years

As the Committee prepares to mark up H.R. 756, we will suggest minor improvements to the language in two sections of the bill. With respect to integration with Medicare Part B, I am sure that is nobody’s intent to require any current Medicare-eligible annuitant to enroll in the program if neither the annuitant nor the Postal Service can benefit from doing so. A modest tweak in the language would address this rare circumstance. With regard to the proposed policy of providing all new addresses with curb-line or centralized delivery, we’d suggest giving the Postal Service the flexibility to make sensible exceptions to the policy if it is more efficient or financially beneficial to do so. Again a modest tweak in the language in Section 202 could accomplish this.

We urge the Committee to quickly schedule a mark up of H.R. 756, and then to vote for its approval.

All four postal unions urge the Committee to adopt this legislation as quickly as possible. We pledge to work with all of you and our broad coalition of mailing industry partners to make this legislation a reality. Together, we can not only strengthen a great national institution to better serve the American people and its businesses, we can also show how it is possible to make our democracy work for the common good at a time of great partisan polarization

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UNION Announcement We are happy to announce we have successfully sold out all of our members.

Chris in KCMO says:

I recently attended EnlightnU Medicare seminar in late 2016 at 61 years old. I am close to retirement belong to APWU Health Plan. I came away from that seminar thinking the the smartest option for wife I was to just retain APWU Health Plan in retirement and activate Medicare Part A at 65, which would be free because we already paid for it over the years. I might like to retire abroad to stretch pension SS check, but Medicare is mostly useless outside USA. The APWU HP might be a workable plan for living abroad. I ve also read that Medicare is going broke soon. I don t understand the National union officers wanting to push annuitants into an integrated plan. I think the National union officers care about all of us, but they must not be attending sufficiently educational seminars on Medicare, because this is not good for postal annuitants due to Medicare eventually going broke Medicare currently is only good in the USA. Most people who retire don t choose to remain in the union as full dues paying members, this robs them of a full effective voice within their national union now that H.R.756 is upon us. H.R.756 presents itself as being good for the union membership of today, but eventually every one gets old retires. So an argument can be technically legally made that the union took care of their active members, but all will eventually know that the retiree comes out with the short end of the stick in more ways than one, making the union look bad eventually. I oppose the proposed forced integration.

Dan the Man says:

Not even sure until we read the small print if we will just be in Medicare A B or be allowed to keep FEHB and Medicare A B. Out of the country you are right it s useless. In the USA my parents retired and bought Medicare B while retaining FEHB Anthem Blue Cross. If you don t sign up for Medicare B immediately on retirement the premium is dramatically higher to add later. My parents (Mother especially) have incurred 2 complete knee replacements, Back fusion, and numerous pharmaceutical charges. By having FEHB and Med A B the hundreds of thousands of dollars of surgeries have cost them zero. Medicare B picks up all copays, and fees not covered by FEHB. Monthly it s costly but in the long run it s been a life saver. But you have to take it right away. If they force us in and allow us to keep FEHB, they should roll back the increase of our percentage into FEHB, and if they do we will be fine. If they make us buy in and eliminate our ability to keep FEHB as well, then we will be totally screwed.


This is a disgrace from the postal unions to its members that served with dignity throughout their career.
Former employees to be shafted by their own unions of a earned option for staying in a federal plan for 5 consecutive years to gain access to these benefits.
The Postal Service should be demanded of by the unions to fund the healthcare.
Funding the FEHB is a law. Not a union vote.

Did you address the penalty for retirees did not sign up for Medicare at retirement?

Five Ways You – re Asking for an IRS Audit This Tax Season – The Simple Dollar #how #far #back #can #the #irs #audit #you


Five Ways You re Asking for an IRS Audit This Tax Season

What’s the scariest phrase in the English language? At this time of year, many would argue it’s IRS audit.”

Before you get too frightened, take heart: The short-staffed IRS is poised to continue the trend of auditing even fewer individuals in 2016. In 2015, the audit rate was just 0.84%, the lowest rate since 2004.

Still, statistics are cold comfort if you become one. There are certainly several simple ways to reduce your risk of attracting a second look from Uncle Sam. Here are five things to avoid if you don’t want to see a tax audit letter hit your mailbox.

Recommended Online Tax Services

IRS Audit Risk No. 1: Filing an Error-Filled Eeturn

Hey, you’re human, and maybe you made a mistake in your math. Perhaps you forgot to fill in some personal information or flubbed a digit in your Social Security number. Unfortunately, whether it’s a simple error or a whopper, it raises your risk of an audit.

Avoid this fate by skipping the paper returns. Going through a tax professional can drastically reduce your chances of errors, but so can using an online tax preparation program that takes care of the math for you and prevents you from moving forward until you’ve filled out all necessary fields. Remember, filing online might even be free. so there’s little reason not to take advantage.

Another related red flag? Deduction amounts that are just a little too neat and even $200 here, $500 there, $1,000 there. Uncle Sam knows you’re probably rounding, meaning you don’t have documentation to support those deductions.

IRS Audit Risk No. 2: Making a Lot of Money or Only a Little

Taxpayers at the extremes are more likely to attract the attention of the IRS. In 2011, those who made more than $10 million sorry, Donald Trump had nearly a 30% chance of being audited. Average Joes and Janes with incomes between $25,000 and $100,000 had a less than 1% chance.

Interestingly, those who reported no gross income had a 3.42% audit rate, making them the group most likely to be audited among those making less than $500,000. Many of these filers may be reporting net operating losses for their small businesses, and the IRS wants to make sure that’s truly the case.

Another related risk? If you claim the Earned Income Tax Credit, which maxes out at just over $6,000 this tax year. Many filers try to claim this lucrative credit even if they’re ineligible. You can check whether you can safely claim the EITC at the IRS website.

IRS Audit Risk No. 3: Being Self-Employed

Self-employment itself may not raise your risk of an audit, but it brings a host of opportunities for missteps.

One of the biggest is forgetting or “forgetting” to report all of your income. For instance, if you’re a freelancer who juggles multiple clients, make sure your taxes reflect each and every 1099 form. Missing just one can mean a world of hurt.

Another tricky area is deductions. It’s easy to get deduction-happy when you’re self-employed, since “ordinary and necessary business expenses” are fair game. But realize that the IRS is far stricter about that definition than you may be.

That shiny MacBook you bought for personal reasons and only occasionally use for work? You’re on thin ice. Claiming a home office deduction when you use your dining room table as your desk? Be very careful. Taking a friend out for lunch and trying to pass it off as a business expense? Don’t do it.

Bottom line: To qualify as a legitimate deduction, the expense should be essential for you to do your work.

IRS Audit Risk No. 4: Passing Off a Hobby as a Business

Relatedly, the lines between pursuing a hobby that may generate occasional cash and running a legitimate business can be quite blurry. But problems arise when you try to deduct losses arising from your hobby as if it’s a business.

Those knitted beer cozies you make in your basement and sell to friends for a few bucks each may not seem consequential enough to spur an audit, but the IRS may think differently. You need to have a legitimate profit motive for your activity to be considered a business rather than a hobby; otherwise, related losses are not fair game for deductions.

One way to prove this is by turning a profit in three of the past five years (called the “3-of-5 test”), but you can also submit evidence of your attempts at making money (marketing efforts, proper licenses and permits, etc.) to help your cause.

IRS Audit Risk No. 5: Being Too Generous

Giving to charity is a noble and wonderful thing. However, if you overdo it, you’re likely to arouse the suspicions of Uncle Sam.

The IRS has detailed statistics showing how much people with similar incomes typically give. Vastly overshoot that number, and an audit becomes more likely.

For instance, if you report $100,000 in income, somewhere around $3,300 in charitable deductions would be typical. Report $10,000 and you’re likely to raise eyebrows, since that’s more in line with the amount given by people making four times as much.

Cash donations are easy (and essential) to document. But regular folks may be more likely to get in hot water by overstating the value of donated items such as clothing, housewares, and furniture. That old winter coat, even if it’s in good shape, may only be worth $20 even if you originally paid $200 for it.

Be sure to consult a pricing guide such as this one from Goodwill or this one from the Salvation Army before itemizing your donations.

Remember, Honesty Is the Best Policy

No one wants to be audited, but if you lie on your tax returns, you’re practically begging for it. So assuming you can avoid the temptation to “forget” reporting income, claim a whopping charitable deduction that never happened, or ignore the existence of your fat Swiss bank account, you’re already ahead of the game.

If you haven’t started your taxes yet, check out our guide to the Best Free Tax Software for how to do it on the cheap. If you’re willing to invest a little in the process or you have to upgrade because you have a more complicated return or aren’t eligible to file using free software we also offer a more general guide to the Best Tax Software .

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