Online loan applications – Preme Kvihan http://premekvihan.net/ Tue, 22 Nov 2022 00:54:36 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://premekvihan.net/wp-content/uploads/2021/10/profile.png Online loan applications – Preme Kvihan http://premekvihan.net/ 32 32 McKissock Learning to Launch Real Estate Appraisal Practical Applications Experience (PAREA) Program https://premekvihan.net/mckissock-learning-to-launch-real-estate-appraisal-practical-applications-experience-parea-program/ Mon, 21 Nov 2022 19:12:00 +0000 https://premekvihan.net/mckissock-learning-to-launch-real-estate-appraisal-practical-applications-experience-parea-program/ ST. LOUIS–(BUSINESS WIRE)–McKissock Learning, the nation’s leading provider of online education for real estate appraisers, today announced its commitment to launch a Real Estate Appraisal Practical Applications Experience (PAREA) program to support the diversification and growth of the appraisal profession. “As a leading provider of assessment training, we know firsthand how difficult it can be […]]]>

ST. LOUIS–(BUSINESS WIRE)–McKissock Learning, the nation’s leading provider of online education for real estate appraisers, today announced its commitment to launch a Real Estate Appraisal Practical Applications Experience (PAREA) program to support the diversification and growth of the appraisal profession.

“As a leading provider of assessment training, we know firsthand how difficult it can be for aspiring assessors to find a supervisor and achieve their dream,” said Kevin Hecht, Training and Development Manager in evaluation at McKissock Learning. “We believe this is a great opportunity to demonstrate our dedication to the profession with an essential initiative to ultimately contribute to a more diverse and expanded community of assessors.”

Scheduled to launch in fall 2023, the McKissock PAREA experience program combines technology-based training with real-world experience and will allow participants to qualify for up to 100% of the experience hours required for pass a qualifying examination in participating states. .*

“McKissock’s PAREA experience program is intentionally designed for individuals who complete the required training only to find that they cannot advance in their goal of becoming Certified Evaluators because they cannot find a supervisor,” said Alan Hummel, director of the Hummel Group and certified appraiser for 35 years. “It is a powerful instrument to diversify and expand the profession.”

In accordance with Appraiser Qualifications Board (AQB) policies, McKissock’s PAREA program will enable participants to apply assessment concepts and general principles to real-life situations, problems, and activities. Participants can access training modules, simulations and assignments through McKissock’s dynamic learning platform, enabling mentor-led and self-study activities.

In addition to the simulated learning experiences, McKissock will also have students complete real-life personal experience activities in their local markets, such as inspecting properties in their area and verifying information with local stakeholders such as real estate agents, contractors and lenders. Participants will be required to write and produce appraisal reports on a variety of property types, each of which must pass a mentor’s review and be fully compliant with USPAP standards.

“Our mission at McKissock Learning is to support the advancement, diversification and growth of the real estate appraisal profession. We are committed to providing PAREA participants with quality training and hands-on experiences to enable them to become certified and successful appraisers,” said Renee Altier, President of Appraisal and Property Services, Colibri Group, the parent company of McKissockLearning.

The program is currently under development and is expected to be available for participants in 2023. Individuals interested in enrolling in PAREA or serving as a McKissock Mentor are encouraged to contact McKissock Learning through its website at https://www .mckissock.com/parea/.

* Individual states may choose to accept all, partial, or no PAREA experience credit.

About McKissock Learning

McKissock Learning is a leading national provider of training for licensed real estate appraisers, agents, brokers, home inspectors, land surveyors and professional engineers. For more than 30 years, McKissock has provided valuation qualification and continuing education, as well as professional development courses to support valuators at all stages of their careers. McKissock Learning is part of the Colibri Group, which provides learning solutions to licensed professionals who strive to be among the best in their field. For more information, visit https://www.mckissock.com.

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State to Suspend Accepting New Applications for Oregon Homeowners Relief Fund Program | New https://premekvihan.net/state-to-suspend-accepting-new-applications-for-oregon-homeowners-relief-fund-program-new/ Fri, 18 Nov 2022 03:20:00 +0000 https://premekvihan.net/state-to-suspend-accepting-new-applications-for-oregon-homeowners-relief-fund-program-new/ Country the United States of AmericaUS Virgin IslandsU.S. Minor Outlying IslandsCanadaMexico, United Mexican StatesBahamas, Commonwealth ofCuba, Republic ofDominican RepublicHaiti, Republic ofJamaicaAfghanistanAlbania, People’s Socialist Republic ofAlgeria, People’s Democratic Republic ofAmerican SamoaAndorra, Principality ofAngola, Republic ofAnguillaAntarctica (the territory south of 60 degrees S)Antigua and BarbudaArgentina, Argentine RepublicArmeniaArubaAustralia, Commonwealth ofAustria, Republic ofAzerbaijan, Republic ofBahrain, Kingdom ofBangladesh, People’s Republic […]]]>

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Hawaiʻi State Federal Credit Union is accepting applications for the scholarship program: Maui Now https://premekvihan.net/hawai%ca%bbi-state-federal-credit-union-is-accepting-applications-for-the-scholarship-program-maui-now/ Tue, 15 Nov 2022 21:10:00 +0000 https://premekvihan.net/hawai%ca%bbi-state-federal-credit-union-is-accepting-applications-for-the-scholarship-program-maui-now/ November 15, 2022, 11:10 a.m. HST The Hawaiʻi State Federal Credit Union is now accepting applications for its 2023 Scholarship Program, which will award $5,000 scholarships to 20 Hawaiian students planning to attend a fully accredited university, college, or vocational/vocational school. The scholarship program is open to all Hawaii State FCU members and their dependents. […]]]>

November 15, 2022, 11:10 a.m. HST

The Hawaiʻi State Federal Credit Union is now accepting applications for its 2023 Scholarship Program, which will award $5,000 scholarships to 20 Hawaiian students planning to attend a fully accredited university, college, or vocational/vocational school.

The scholarship program is open to all Hawaii State FCU members and their dependents. The deadline to apply is February 15, 2023.

“As a financial institution, we believe investing in education can help put our keiki on the path to future academic and professional success,” said Andrew Rosen, president and CEO of Hawaii State FCU. . “This has been one of our top priorities since we started our scholarship program over 25 years ago.”

Interested students must meet the following eligibility requirements:

  • Attending a fully accredited university, college, or trade/vocational school in the 2023-2024 school year
  • Demonstrate financial need
  • Participate as a full-time student
  • Apply as an undergraduate or graduate student seeking a degree
  • Have a minimum of 2.5 cumulative GPA
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The scholarship program is administered by the Hawaii Community Foundation.

Interested applicants can review frequently asked questions and apply directly through the foundation’s website at www.HawaiiCommunityFoundation.org/Students. Online application requires personal and award impact statements, latest school transcript, 2023-2024 Student Aid Report of the Free Application for Federal Student Aid Form (FAFSA) , along with a list of accomplishments and community service activities.

The FCU Hawaii State Scholarship Program was established in 1996 and has since awarded nearly $1 million in scholarships to some of Hawaii’s best and brightest students. to support their higher education goals.

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For more information on eligibility requirements, required materials, and application process, please visit www.HawaiiStateFCU.com/scholarship.

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Education Department Suspends New Requests for Student Loan Debt Relief https://premekvihan.net/education-department-suspends-new-requests-for-student-loan-debt-relief/ Fri, 11 Nov 2022 15:54:47 +0000 https://premekvihan.net/education-department-suspends-new-requests-for-student-loan-debt-relief/ The Ministry of Education has closed new applications for student debt relief. His plan to cancel up to $20,000 in student debt for federal borrowers has hit the legal grunts. Visitors to the site today find this message from the Ministry of Education: “The courts have issued orders blocking our student debt relief program. Therefore, […]]]>

The Ministry of Education has closed new applications for student debt relief. His plan to cancel up to $20,000 in student debt for federal borrowers has hit the legal grunts.

Visitors to the site today find this message from the Ministry of Education:

“The courts have issued orders blocking our student debt relief program. Therefore, at this time, we are not accepting applications. We are seeking to overturn these orders. If you have already applied, we will retain your request.”

In addition to the two legal constraints that debt cancellation now faces, a number of other lawsuits remain on the court calendar. Any of them could further delay the reopening of the application or the delivery of debt relief.

Should I make my payments in January or not?

There is no certainty about a previously scheduled date for debt relief – except for one that resumes federal student loan payments in January 2023. There is speculation that the Biden administration could extend forbearance on federal student loan payments even further.

In the meantime, you should plan to make payments in January, even if your balance would have been wiped out by debt forgiveness.

If you requested reimbursement of payments made during the pandemic – when you were not required to make payments – this amount will be added to your current loan balance, and you will make payments against this total.

The timeline below was provided before the Department of Education halted new applications.

  • Mid-November: When you must submit a request if you want to ensure you receive relief before payments restart in January.

  • January 1, 2023: Federal student loan payments resume.

  • December 31, 2023: Deadline to apply for student debt relief.

  • March 31, 2024: Deadline for submitting proof of income.

What do I need to apply for student loan forgiveness?

Not everyone needs to apply for a student loan forgiveness. Nearly 8 million federal borrowers will automatically receive relief because they are enrolled in an income-tested repayment plan; their income information is on file with the Ministry of Education. All other eligible borrowers will need to submit a request to have their balance reduced to $20,000.

The application requires:

• Social Security number.

You must also verify that you will provide proof of income to the Department of Education by March 31, 2024. And you must agree to certify that all information you submit is true under penalty of perjury.

When submitting proof of income, you must include one of the following:

• IRS Form 1040 (tax return) from 2020 or 2021.

• If you have not filed a tax return: 2020 or 2021 IRS non-filing verification letter.

Here’s what else we know about the application process:

Who is eligible for student loan forgiveness?

There has been confusion over who is and is not eligible for the relief. Here is a reminder:

Those eligible for relief of up to $10,000:

  • For 2020 or 2021, your income must be less than $125,000 if filing individually or $250,000 if filing jointly.

  • Did not receive a Pell Fellowship while in college.

  • Have direct undergraduate loans; direct loans to graduates; PLUS parent loans; PLUS graduate loans; government-owned Perkins loans or government-owned loans under the Federal Family Education Loan Program, or FFELP.

  • Your loans must have been disbursed before June 30, 2022.

Those who qualify for relief of up to $20,000:

  • The above requirements except for not receiving a Pell Grant.

  • Only undergraduate debt is eligible for the additional $10,000 forgiveness.

Those ineligible for relief:

  • Have private student loans.

  • Have commercially held FFELP loans. However, those who applied to consolidate their debt before September 29, 2022 would qualify.

Who benefits from automatic student debt relief?

Only borrowers already enrolled in income-tested repayment plans are eligible for automatic relief. These borrowers will be notified of their eligibility by the Department of Education. Those who want their aid processed sooner can apply now.

How to Opt Out of Student Debt Relief

Those who are eligible to automatically receive relief can choose to opt out. If you wish to opt out, you must contact your service agent directly to let them know that you do not wish to receive assistance, according to the Department of Education. According to the Washington Post, borrowers eligible for relief must automatically opt out by November 14, 2022. If you choose to opt out now, you can still request relief later as long as you do so before December 31, 2023.

Why would anyone withdraw from aid? Well, some borrowers object to the decision to cancel the debt. Others may be concerned about their personal tax implications. Although there is no federal tax on the relief, the reversed amount may be taxed as income by certain states, including Arkansas, California, Indiana, Minnesota, Mississippi, North Carolina and Wisconsin.

How will I know when the cancellation has taken place?

Expect to receive relief within six weeks, according to the Department of Education. You will be notified through your repairer. Monitor your loan account through your service agent or on studentaid.gov.

Why can’t I contact my repairer?

The Education Department handles and processes cancellation requests, not the company that services your loans.

You may have questions about the status of your canceled debt. If you call your repairer, you’ll be in a long line: millions of borrowers have changed repairers, expect upcoming refund, or adjust eligible payments for civil service loan forgiveness. Your only option? Wait on hold or wait for them to let you know.

What if I get a call about student debt relief?

Any unsolicited call you receive regarding the cancellation is likely a scam. Scams are rampant since President Joe Biden announced the loan cancellation, according to the Federal Trade Commission. The Department of Education or your service agent will not call you to apply for debt relief. If you have any doubts about a call you receive, hang up and contact your repairer. If you have concerns about an unsolicited text message about canceling a student loan, do not respond. And never give your student financial aid ID, account number, or password to anyone.

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The Teacher Preparation Program is still accepting applications https://premekvihan.net/the-teacher-preparation-program-is-still-accepting-applications/ Thu, 10 Nov 2022 19:00:04 +0000 https://premekvihan.net/the-teacher-preparation-program-is-still-accepting-applications/ The Ector County ISD now has its second batch of teachers undergoing certification since Odessa Pathway to Teaching became a program in the district. This is the sixth cohort since the start of the OPT. ECIDD has previously collaborated with TNTP, which stands for The New Teacher Project, to offer the OPT. Director of Talent […]]]>

The Ector County ISD now has its second batch of teachers undergoing certification since Odessa Pathway to Teaching became a program in the district.

This is the sixth cohort since the start of the OPT. ECIDD has previously collaborated with TNTP, which stands for The New Teacher Project, to offer the OPT.

Director of Talent Development Debra Bynum said prospective teachers apply to the program and if accepted, they begin their certification test preparation and content work.

“They do it in the spring and strive to pass their certification exams. In June, they do what is called pre-training. For this year, it will be from May 30 to June 30. During the initial training, they gain experience in the classroom and they also receive instruction and work to develop their skills to make them effective in the classroom,” Bynum said. .

To help teachers prepare for the test, they offer tutoring in specific content areas and there are online programs they can access that they can also do independent study in, Bynum said.

If they don’t pass their test the first time, they review the test results and help them develop a specific study plan and find the right resources, Bynum said.

She added that they are also working on testing skills.

Osborne said they believe the ECIDD program is the most supportive educator preparation program available.

“It’s really beneficial for us to be onboarded at ISD Ector County because our candidates learn the culture of ECIDD from day one. From day one, they are taught what it means to be a teacher in the ECIDD; how to be a teacher in ECIDD…” Osborne said.

They also gain classroom experience and are paired with a mentor teacher and field supervisor who is part of the talent development team, which provides ongoing feedback, said executive director of talent development Ashley Osborne. .

“They can try things out in class and get ongoing feedback and really improve their skills with the students instead of just learning through online methods or textbooks what it means to be a teacher. They actually get the hands-on experience before they’re in their own class,” Osborne added.

Osborne noted that this is not the case with many alternative certification programs.

“…We really feel that Odessa’s Pathway to Teaching model best prepares candidates for what they will really experience in the classroom before they are given the responsibility of a class of their own,” Osborne said.

She noted that there are several application deadlines for Odessa Pathway to Teaching.

“We have a priority deadline, a fall deadline, a winter deadline, and then the final deadline. It really helps us convert people through the pipeline in a more supportive way because we’re in constant communication with them. Debbie is already working, and her team is already working, interviewing those who have already submitted their applications…” Osborne said.

She added that some of the teachers in the classrooms today have a bachelor’s degree, which is a requirement for Odessa Pathway to Teaching.

Since ECIDD is an innovation district, it may hire teachers who have a bachelor’s degree but are not yet certified.

Working with Human Resources, Bynum said they are trying to get the names and emails of these teachers so they can communicate with them about their participation in the OPT.

In the first batch of teachers ECASD received when the program became part of ECASD, Bynum said they had about 100 applicants last year and had accepted about 40 in the program. Through attrition, they ended up with about 22 who are currently active in the program.

“We have to allow that. Attrition happens for a variety of reasons – family emergencies, spouses are transferred and so they move; things like that,” Bynum said.

Osborne said they have annual recruiting goals based on the number of applicants they hope to see.

“Because we know that of all the applicants we get, not everyone is going to come into one of our classrooms because our kids deserve the best, and so there are some …criteria applicants must meet along the way that if they are also unable to meet these criteria, they will not be able to proceed with the program,” Osborne said.

“A good example of this is that among these applicants, some people did not even have a license yet and that is a requirement for us. Another eligibility requirement is to have at least a 2.5 GPA. If an applicant applying, he may have a bachelor’s degree, but if he does not have a 2.5 GPA, we will not be able to enroll him in our program This is the TEA requirement; 2.5 GPA overall, or 2.5 GPA in their last 60 credit hours We are bound by certain TEA requirements, as well as certain programmatic requirements,” Osborne said.

Bynum said many educator preparation programs charge application fees and test preparation fees, but they don’t. Candidates will have to pay for the tests, but it’s a state-mandated fee. They also have to pay to request their certificate and fingerprints.

The district charges $3,900 and may be collected as a payroll deduction once they begin teaching over two years.

Osborne said that when they are on the trainee certificate, they are the assigned teacher in an ECASD class and they earn a first-year teacher salary, which is $58,750 for ECASD. She added that that’s when they start payroll deductions.

Osborne added that getting a teacher certification isn’t easy.

“…It is intentional because we have a huge responsibility to the students to have a teacher who is well prepared, who is capable of the task at hand which is to teach young minds. So it’s not necessarily easy and that’s okay,” Osborne said.

Bynum said people who want to be certified to teach early childhood through sixth grade, or fourth through eighth grade, must now take and pass an additional test, the Science of Teaching Reading test.

“We have a huge initiative across the state to make sure our students have these foundational skills to succeed in reading because research has proven time and time again that if they are not reading at the grade level…at some point, then it becomes more difficult for them to succeed academically. They must therefore succeed in the science of teaching reading. Then, when they enter the classroom, they also complete a Reading Academy during their first year of teaching. There are more requirements now that they are moving towards this certification. But it’s just about building their toolset and giving them the skills they need to help their students be successful in learning,” Bynum said.

Osborne said they felt the OPT program was one of the most supportive.

“…We will help prepare our candidates to the best of our abilities so that there is no impediment to their certification that we can prevent,” Osborne said. “Debbie mentioned content prep and test prep. This is something we offer our applicants that other programs may not offer.

ECIDD also offers a program for paraprofessionals who wish to become teachers.

“…They may not have a baccalaureate yet, but we help them get that baccalaureate. We have an academy they can attend called Aspiring Teacher Academy which will build their toolbox. So ultimately, before they even have their own classroom, they have that skill set. …Once they have obtained their bachelor’s degree, they can join our Odessa Pathway to Teaching program to obtain this certification, if they wish. …,” Osborne said.

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Matrix Applications Successfully Completes SOC 2 Type II for TradeBlazer Collateral Management System https://premekvihan.net/matrix-applications-successfully-completes-soc-2-type-ii-for-tradeblazer-collateral-management-system/ Tue, 08 Nov 2022 19:03:00 +0000 https://premekvihan.net/matrix-applications-successfully-completes-soc-2-type-ii-for-tradeblazer-collateral-management-system/ NEW YORK, November 8, 2022 /PRNewswire/ — Matrix Applications, LLC (“Matrix”) has successfully completed a Type II System and Organizational Control (SOC) 2 audit. The audit was conducted by Schellman & Company for its system TradeBlazer warranty management and managed services. This certification demonstrates the company’s ongoing commitment to the highest standards of data protection […]]]>

NEW YORK, November 8, 2022 /PRNewswire/ — Matrix Applications, LLC (“Matrix”) has successfully completed a Type II System and Organizational Control (SOC) 2 audit. The audit was conducted by Schellman & Company for its system TradeBlazer warranty management and managed services. This certification demonstrates the company’s ongoing commitment to the highest standards of data protection and security.

Speaking about the achievement, Dipu MathewSystem & Data Analyst at Matrix Applications, said, “This milestone demonstrates that data security is a top priority at Matrix. We pride ourselves on our state-of-the-art financial technology that maintains rigorous security measures to ensure our customers’ and partners’ data is protected. .”

Developed by the American Institute of Certified Public Accountants (AICPA), the SOC 2 Information Security Standard is an audit report on the review of controls relevant to the categories of trust services criteria covering security, availability, processing integrity, confidentiality and privacy. A SOC 2 Type II report describes a service company’s systems and whether the controls it has in place to meet SOC criteria are operating effectively over an agreed observation period.

“We are committed to protecting Matrix customer data, particularly given the increasingly critical role of information security in all aspects of our service delivery. Our diligence and forward-thinking approach will not will not stop there. Matrix will continue to proactively investigate and pursue new ways to maintain our high security standards,” added Charles Corbinsenior system engineer at Matrix Applications.

The audit and SOC 2 compliance review was conducted by a leading independent third-party auditing firm in accordance with standards established by the AICPA. TradeBlazer’s SOC 2 Type II report was released with no exceptions noted. This report attests to the design and operating effectiveness of the controls.

Jacki Naidrichoperations associate at Matrix Applications, said, “Our commitment to protecting customer data and privacy is at the forefront of our core values. This achievement challenges us to continue our efforts in support of strategic information security initiatives.

About TradeBlazer

TradeBlazer is a front, middle and back-office solution providing end-to-end processing of fixed income and equity securities lending transactions. Direct processing from brokers to clearing banks and FICC for novation and clearing with accounting entries in a sub-ledger, TradeBlazer provides seamless processing from point of entry to settlement. The system helps track counterparty credit exposure, risk and defaults, while acting as a “books and records” system for regulatory requirements.

TradeBlazer integrates fixed income trading, collateral management and settlement functionality for banks, brokers, funds and asset managers and provides extensive, industry-leading support for income securities trading fixed, reverse repos and MBS. TradeBlazer’s integrated functions cover accounting, credit, operations, risk management and trading modules, coupled with real-time clearance functions. Numerous online and batch reports simplify the responsibilities of the operations team.

About Matrix Applications

Matrix Applications is a New YorkNew York-based fintech services bureau that offers a suite of collateral, margin and clearing management systems for institutional fixed income trading and equity securities lending. We are a team of capital markets and systems professionals providing financial technology solutions to institutional businesses since 2000. We work closely with our clients to identify an optimal mix of services that best suits their needs, from systems to assistance with back-office operations. Comprised of industry veterans and finance professionals, we leverage our extensive technical experience, deep financial industry network and team of Ops, regulatory and legal gurus to deliver Tailor-made managed services to businesses large and small.

Contact
Colleen Judge
[email protected]

SOURCE Matrix Applications, LLC

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UpStart Thrift Store in Farmington Seeks Business Grant Applications https://premekvihan.net/upstart-thrift-store-in-farmington-seeks-business-grant-applications/ Sat, 05 Nov 2022 06:40:27 +0000 https://premekvihan.net/upstart-thrift-store-in-farmington-seeks-business-grant-applications/ FARMINGTON — UpStart Thrift Store in Farmington has opened the process for small businesses in Washington County to apply for an UpStart grant of up to $5,000. The deadline to submit a nomination is Nov. 23, and the recipient will be announced the week of Dec. 5, according to Phyl Amerine, one of the nonprofit’s […]]]>

FARMINGTON — UpStart Thrift Store in Farmington has opened the process for small businesses in Washington County to apply for an UpStart grant of up to $5,000.

The deadline to submit a nomination is Nov. 23, and the recipient will be announced the week of Dec. 5, according to Phyl Amerine, one of the nonprofit’s co-founders.

Here is the link to the UpStart app: https://www.surveymonkey.com/r/ZMP6WGR.

The criteria for awarding a grant is that the applicant must be physically located in Washington County and must have been in operation for less than five years.

Applicants are asked to describe how they would use a grant and, if not awarded, how else might they achieve their business goals.

UpStart Thrift Store, located at 235 E. Main St., is an organization that reports to Startup Junkie, an area nonprofit. The thrift store has an advisory board made up of business people. Everyone who helps in the store volunteers their time.

Amerine said the co-founders, four women, along with Startup Junkie, came up with a new concept to raise money through a thrift store to help small business owners and help the community.

It has a triple mission:

• Provide good quality items at low prices to help everyone in the community.

• Provide grants to local businesses or start-up businesses in Washington County.

• Provide money for interest-free loans through the Kiva NWA Hub loan program administered by Startup Junkie. This is a program that has helped small business owners with much-needed financial support during the covid-19 pandemic and helps entrepreneurs start a new business.

The co-founders see the store as an organization that will lend a hand to a small business.

Amerine said UpStart was “excited to help grow a local family business.”

The thrift store is open from 9 a.m. to 1 p.m. on Monday, Wednesday, Friday and Saturday. The store offers clothing for all ages, home decor and housewares, shoes, jewelry and other items.

Donations are accepted during business hours or can be dropped off at a 24-hour donation box located outside the thrift store.

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2023 Leo Seal Innovative Teacher Grants Applications Available Online – Picayune Item https://premekvihan.net/2023-leo-seal-innovative-teacher-grants-applications-available-online-picayune-item/ Wed, 02 Nov 2022 18:26:30 +0000 https://premekvihan.net/2023-leo-seal-innovative-teacher-grants-applications-available-online-picayune-item/ 2023 Leo Seal Innovative Teacher Grants Applications Available Online Posted at 1:22 p.m. on Wednesday, November 2, 2022 GULFPORT, Mississippi (November 2, 2022)—Requests for Leo W. Seal Innovative Teacher Grants 2023 are now available online at https://www.mgccf.org/grants. The application deadline is January 13, 2023. Funded by Hancock Whitney and administered by the Gulf Coast Community […]]]>

2023 Leo Seal Innovative Teacher Grants Applications Available Online

Posted at 1:22 p.m. on Wednesday, November 2, 2022

GULFPORT, Mississippi (November 2, 2022)—Requests for Leo W. Seal Innovative Teacher Grants 2023 are now available online at https://www.mgccf.org/grants. The application deadline is January 13, 2023.

Funded by Hancock Whitney and administered by the Gulf Coast Community Foundation (GCCF), the Seal Grants reward up to 10 outstanding teachers with one-time individual grants of up to $2,000 to enable creative teaching proposals that enhance learning experiences students and meeting Mississippi educational requirements. .

Certified K-12 teachers at public and private schools in Mississippi’s eight counties with Hancock Whitney locations – Forrest, Hancock, Harrison, Jackson, Jefferson Davis, Lamar, Madison, and Pearl River – are eligible to apply. .

How to register

To apply for the 2023 Seal Scholarships, teachers submit complete project proposals by the January 13, 2022 deadline, detailing how their projects can enhance students’ educational experiences while supporting the state’s curriculum. This year’s application process offers a more streamlined timeline to help expedite the selection of grant recipients and funding to activate winning projects.

“In the past, teachers submitted letters of intent before knowing if they were selected to provide full project proposals,” said GCCF President and CEO Christen H. Duhé. “This year, applicants simply submit their complete and detailed project proposal for review, reducing the time needed to evaluate proposals and select grant recipients.”

The GCCF coordinates the selection of grant recipients by an independent committee made up of business, community and education representatives not affiliated with Hancock Whitney.

Learn more about Seal Grants

Hancock Whitney established the Seal Scholarship Program in 1994 as a permanent endowment of the GCCF Pat Santucci Friends of Public Education program. First presented in 1996, the awards honor the community involvement and leadership of Leo W. Seal, Sr., president of the bank from 1932 until his death in 1963, and his son, the late Leo W. Seal, Jr., the bank’s chief executive for 45 years. Throughout their lives, both men championed countless economic and educational opportunities on the Gulf Coast.

About Hancock Whitney

Since the late 1800s, Hancock Whitney has embodied the core values ​​of honor and integrity, strength and stability, and commitment to service, teamwork and personal responsibility. Hancock Whitney’s offices and financial centers in Mississippi, Alabama, Florida, Louisiana and Texas offer comprehensive financial products and services, including traditional and online banking; corporate and small business banking; private bank; trust and asset management services; health banking services; and mortgage services. The company also operates a loan origination office in Nashville, Tennessee. More information is available at www.hancockwhitney.com.

About the Gulf Coast Community Foundation

The Gulf Coast Community Foundation is a nonprofit, public charitable organization serving the people of southern Mississippi since 1989. The Foundation’s primary mission is to increase philanthropy by helping donors establish endowments and community plans. legacy gifts, making grants to worthy causes and providing leadership in responding to changing community needs.

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Kansas is accepting mortgage, property tax and utility assistance applications https://premekvihan.net/kansas-is-accepting-mortgage-property-tax-and-utility-assistance-applications/ Thu, 27 Oct 2022 15:26:09 +0000 https://premekvihan.net/kansas-is-accepting-mortgage-property-tax-and-utility-assistance-applications/ Governor Laura Kelly announces nearly $25 million has supported more than 2,300 Kansas homeowners The program is still accepting applications for mortgages, property taxes and utility assistance TOPEKA – Governor Laura Kelly announced that six months after its launch, the Kansas Homeowners Assistance Fund (KHAF) has distributed $24.8 million in mortgages, property taxes and utility […]]]>

Governor Laura Kelly announces nearly $25 million has supported more than 2,300 Kansas homeowners

The program is still accepting applications for mortgages, property taxes and utility assistance

TOPEKA – Governor Laura Kelly announced that six months after its launch, the Kansas Homeowners Assistance Fund (KHAF) has distributed $24.8 million in mortgages, property taxes and utility assistance to 2,321 Kansas homeowners.

“Housing is vital for a strong workforce and a resilient economy,” Governor Laura Kelly said. “This program provides much-needed relief to Kansans, and my administration will continue to support homeowners by reducing property taxes and expanding affordable housing.”

The Kelly administration provided Temporary Relief Initiative funding distributed by the Kansas Housing Resources Corporation (KHRC) to help Kansas homeowners experiencing pandemic-related financial hardship avoid foreclosure and catch up on their mortgages and property taxes. The program helps with mortgage payments, property taxes and fees, utility and internet costs, and more.

“Housing stability is essential for strong families, healthy communities and a thriving economy,” said Ryan Vincent, executive director of the Kansas Housing Resources Corporation (KHRC). .”

Currently, 2,321 KHAF applications have received assistance and additional funds remain to help homeowners. Kansans who have fallen behind on their mortgage and/or property tax payments are encouraged to apply now.

Eligible applicants must meet the following criteria:

jjjjjjjj• You own your home in Kansas and are at least 30 days behind on your mortgage or jjjjjjjjjjjproperty taxes.

jjjjjjjj• The property (single-family home, one to four-unit dwelling, condominium, row house or jjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjjj manufactured home) is your principal residence.

jjjjjjjj• Your recent income has not exceeded 150% of the median income in your area.

jjjjjjjj• Your household has experienced financial hardship during the COVID pandemic.

Kansans requesting KHAF assistance are encouraged to apply online. If approved, funds are paid directly to the service provider(s), who apply them to the owner’s account(s).

More than 200 mortgage managers join the KHAF program as participating lenders. The program will remain open until the program funds are fully expended. Owners are encouraged to apply as early as possible to ensure their application is processed in a timely manner.

Applicants needing assistance can call 1-855-307-KHAF (5423) from 8 a.m. to 5 p.m., Monday through Friday.

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The KHAF program is administered by the Kansas Housing Resources Corporation (KHRC), an independent, public, nonprofit corporation committed to helping Kansans access the safe, affordable housing they need and the dignity they deserve. KHRC serves as the state’s housing finance agency, administering essential housing and community programs to serve the Kansans.

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Electrochemical applications of carbons derived from lignin https://premekvihan.net/electrochemical-applications-of-carbons-derived-from-lignin/ Wed, 26 Oct 2022 13:49:00 +0000 https://premekvihan.net/electrochemical-applications-of-carbons-derived-from-lignin/ Lignin is an abundant natural material that has been studied for several commercial applications. However, this precious organic matter is still underutilized. Now a new review article published in the journal Carbon Neutralizationwritten by Chinese scientists, investigated the electrochemical applications of lignin-derived carbons. Study: Carbon materials derived from lignin for catalysis and electrochemical energy storage. […]]]>

Lignin is an abundant natural material that has been studied for several commercial applications. However, this precious organic matter is still underutilized. Now a new review article published in the journal Carbon Neutralizationwritten by Chinese scientists, investigated the electrochemical applications of lignin-derived carbons.

Study: Carbon materials derived from lignin for catalysis and electrochemical energy storage. Image Credit: Rattiya Thongdumhyu/Shutterstock.com

The need for a more sustainable future

Over the past few decades, it has become clear that humanity’s overreliance on fossil fuels is causing environmental damage on a historically unprecedented scale. Carbon emissions have been linked to climate change, rising global temperatures, ocean acidification, altered ecosystems and loss of biodiversity. Moreover, fossil fuels are finite resources, which will lead to a serious energy deficit in the future if they are not phased out in favor of sustainable resources.

Schematic of lignin-derived carbonaceous materials for catalysis and electrochemical energy storage.

Schematic of lignin-derived carbonaceous materials for catalysis and electrochemical energy storage. Image Credit: Wang, H et al., Carbon Neutralization

Several renewable energy technologies have been developed, including solar energy harvesting, wind energy, hydroelectric energy, geothermal energy and energy solutions derived from biomass. Research into sustainable biofuels and alternative green materials has accelerated in recent years.

Lignin and carbons derived from lignin

Manufacturing materials from biomass versus conventional fossil fuel derivatives offers significant advantages for multiple industries. Among the abundant biomass sources that have been explored by researchers, lignin has emerged as a suitable candidate material for building sustainable alternatives.

Lignin is universally abundant and is found in plant cell walls. It is a major component of lignocellulose and provides rigidity to cell wall structures while playing a role in water transport and inhibition of antimicrobial and enzymatic degradation. A key attractant of lignin is the presence of multiple functional groups in its aromatic ring structure, which allows the manufacture of many functional materials.

In addition to natural lignin, the papermaking and biorefining industries annually produce fifty million tons of industrial lignin worldwide. Lignin possesses advantages such as low cost, vast resource reserves, and enhanced aromatization, making it a promising carbon precursor for multiple industrial applications.

Lignin-derived carbons, which offer a possible route to lignin upgrading, have stable physiochemical properties, tunable morphologies, high porosity and good electrical conductivity, and these materials have high specific surface area. The three main types of lignin-derived carbons are porous carbons, which exhibit a range of morphologies, lignin carbon composites, and heteroatom-doped carbons.

The study

The new paper provided a comprehensive review of the current state of lignin-derived carbon research. Recent advances in the use of these innovative materials in electrochemical energy and catalytic storage systems have been explored in depth by the authors, and this is the primary focus of the review.

Lignin-derived carbons applied in several applications have been extensively explored. Heterostructure construction, pore structure adaptation, and heteroatom doping are also discussed in the article. A comprehensive summary of bottlenecks and future research trends is included to guide future studies in this area.

Carbon Lignin Applications

Lignin-derived carbons have been explored in recent research for a variety of catalytic and electrochemical energy storage applications. Lithium-ion batteries, sodium-ion batteries, supercapacitors and thermocatalytic, photocatalytic and electrochemical catalytic applications have all been studied extensively by several teams.

The suitability of these carbonaceous materials for efficient catalysis is due to their stable physico-chemical properties. Their stability and resistance to corrosion in alkaline and acidic media make them attractive substrate materials for this purpose. The tunable microstructures of these materials are an added advantage for catalysis research.

Lignin-derived carbon materials can be prepared as carbon dots, sheet-like porous materials, and 3D porous carbons. Several studies have provided promising results for these highly tunable carbon structures as catalytic materials.

Lignin porous carbons can be used as high-performance electrode materials in supercapacitors due to their abundant and durable resources, low cost, and high carbon content. Several green synthesis methods, such as bacterial activation, have been explored to prepare these materials.

Several researchers have proven the feasibility of using lignin as a raw material for lithium-ion batteries, with cathode and anode materials prepared from lignin-derived carbons. The unique structure of the lignin-derived carbon functional group and its diverse microscopic structure greatly enhance the electrochemical activity. Some studies focus on selecting suitable activators to improve the ordered carbon structure of lignin carbon to further enhance it.

Heteroatomic doping and lignin carbon composites have been widely explored in lithium-ion battery research in recent years. Fully exploiting the modification of lignin’s abundant redox sites to enhance the loading of nanoparticles with lithium storage capabilities is one of the goals of the current study. Research into the use of lignin carbons as cathodes for sodium-ion batteries is currently a key area of ​​electrochemical energy storage research.

Outlook

Lignin is a very promising carbon precursor for use in electrochemical energy storage and catalytic applications. However, some key challenges remain that create bottlenecks and need to be addressed in future work. The development of sustainable, green and highly efficient activation technologies is needed. In addition, the carbonization mechanism of lignin needs to be further investigated.

Another promising area for future work will be the in-depth study of the structure-performance relationship between the carbon microstructure of lignin and practical applications. More advanced characterization methods, such as in situ Raman spectroscopy and X-ray diffraction, will be needed to detect how the carbon structure of lignin changes during energy storage. This will help improve their performance in battery technologies.

Finally, since the composition of lignin varies from source to source, efficient purification methods produce lignin feedstocks from various sources with very similar structures. Overall, the paper provided an in-depth review of current progress in this area of ​​study and will help improve future research on functionalized lignin carbon materials and their applications.

Reference

Wang, H et al. (2022) Carbon materials derived from lignin for catalysis and electrochemical energy storage Carbon Neutralization [online] onlinelibrary.wiley.com. Available at: https://doi.org/10.1002/cnl2.29

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