VA Loans – Eligibility, Benefits – How to Apply #veterans #affairs #business


VA Loans – Benefits, Eligibility Applying

VA Loans – Benefits, Eligibility Applying

In this article:

What Is a VA Loan?

A VA loan is a mortgage loan that s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. While the VA does not lend money for VA loans, it backs loans made by private lenders (banks, savings and loans, or mortgage companies) to veterans, active military personnel, and military spouses who qualify.

There are three types of VA loans: purchase loans, interest rate reduction refinance loans (or IRRRL, also referred to as a VA streamline refinance loan), and cash-out refinance loans. There are many benefits to a VA loan, but one of biggest benefits is that no down payment is needed to purchase a home. This can make home ownership a reality for active military or veterans who might otherwise not be able to afford it.

Who Is Eligible for VA Loans?

VA loans are designed for military personnel, veterans, and military families. The list of those who are eligible for this home-buying military benefit include:

  • Veterans
  • Active-duty personnel
  • Reserve members
  • National Guard members
  • Some surviving spouses

You must also have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE). And you must use the home for your own personal occupancy. Still unsure if you re eligible? Check the Department of Veterans Affairs website for a detailed list of eligibility requirements for military service members, veterans, and military spouses.

Need help with your VA loan? Find a VA lender on Zillow

What Are the Benefits?

The VA loan program is offers some of the most attractive and flexible loans available, and they are exclusively for military personnel, veterans and their families. Perhaps the two biggest benefits that make these loan more affordable than a typical loan are that the borrower typically does not need to make a down payment, and there is no private mortgage insurance (PMI) requirement.

Here s a look at the complete list of benefits, as taken directly from the Veterans Affairs site:

  • No down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property).
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.

How Can Veterans Military Personnel Get VA Loans?

Veterans, active military personnel, and military families can follow these steps to get a VA loan:

  1. Make sure you are eligible for a VA loan. Check the VA website for a detailed list of eligibility requirements for military service members, veterans, and military spouses.
  2. Find a lender that participates in the VA home loan program. You can find a VA lender in your area here .
  3. Get a Certificate of Eligibility from the VA to prove you are eligible for a VA loan. Learn how to get a Certificate of Eligibility here. Or, your lender can request one on your behalf.
  4. Apply for your VA loan. Your VA lender will work with you to complete the steps needed to finance your home.

How Big of a VA Loan Can Veterans Military Personnel Get?

According to the VA there is no maximum that an eligible veteran may borrow using a VA-guaranteed loan. However, there are county limits that must be used to calculate the VA s maximum guaranty amount for a particular county. In other words, there s no limit to how much you can spend on your new home with a VA loan, but the VA has limits on how much liability it will assume, which can affect the amount of money your lender will let you borrow.

Generally, eligible veterans or military personnel can get loans up to $417,000 with no money down. But that number can be much higher in certain counties that have a higher cost of living. Review the list of county limits for VA loans here .

How to Find a VA Lender

There are many ways for veterans and military personnel to find a VA lender, such as getting recommendations from friends, or searching on the VA website. And just like conventional loans, it can pay to shop around and talk to several different lenders.

Zillow helps make it easy to find a VA lender in your area. Use this link to answer a few questions about the home you want to buy, and you ll find a VA lender in minutes. You can also shop for live, custom VA loan mortgage quotes anonymously on Zillow, and then contact the lenders whose quotes you are interested in. Be sure to check the Military/Veteran? box so that VA loans will come up in your search results.

Jobs and Salary Info for a Masters in International Relations Degree #mba


Jobs and Salary Info for a Masters in International Relations Degree

Essential Information

A master’s degree program in international relations provides specialized knowledge regarding a certain part of the world or an area related to international business. Most programs require proficiency in a foreign language, developed either in high school or college or in classes taken concurrently during the master’s degree program.

Generally, international relations degree programs permit students to specialize in either a region of the world or an area of international relations, such as global theory, strategic issues, conflicts, international development, or international business. Most schools also require undergraduate study or specific proficiency in economics. To meet graduation requirements, students may need to complete an internship or other fieldwork, oral or written examinations, or a master’s thesis.

Students who graduate with a master’s in international relations degree may opt to work in the public or private sector and either in the U.S. or in a foreign country. The federal government employs many people who classify their jobs as in the international relations field.

Let’s take a look at the different career options and the possible earnings for graduates.

Governmental Job Options

Popular governmental employment opportunities for master’s in international relations degree graduates include U.S. foreign service employment, U.S. embassies abroad, the U.S. Department of State, and the U.S. Information Agency in Washington, D.C. Foreign service positions are highly sought after and, as such, hiring managers are extremely selective. Other governmental positions might include working in intelligence for the Central Intelligence Agency, the National Security Agency, the Department of Defense, or the Department of Homeland Security. Domestic cabinet departments with international activities and offices abroad include the Department of the Treasury, the Department of Commerce, the Department of Justice, the Department of Agriculture and the Federal Reserve.

Non-Governmental Job Options

Non-governmental organizations that may hire international relations graduates include the United Nations, international consulting firms, private volunteer organizations and multinational corporations. In addition, those with graduate degrees in international relations may work as teachers at community colleges or secondary schools.

Salary Information

In January 2016, reported that the median annual salary for nonprofit program managers with a Master of Arts in International Relations was approximately $40,000. During the same time, the site indicated a median yearly salary of around $55,000 for research analysts holding the degree. Other job titles and estimated salary ranges for those with master’s degrees in international relations are as follows:

  • Intelligence analyst: $39,788 – $103,643
  • Foundation program officer: $40,598 – $102,428
  • Research associate: $32,229 – $71,766

The U.S. Bureau of Labor Statistics (BLS) reported in May 2015 that political scientists earned a median annual salary of $99,730 and had a projected decline in jobs of 2% from 2014-2024. The BLS also reported a median annual salary of $44,190 for translators and interpreters in May 2015 with projected job growth of 29% from 2014-2024.

Key Executive Leadership Programs #key #executive #leadership,executive #education,master #of #public #administration,mpa,certificate,school #of


Key Executive Leadership Programs


In October 2016, Key hosted twenty-two executives from the Brazilian organizations in the state of Paraná, SEBRAE and SESCOOP.

Staff at the Key Executive Leadership Programs exchanged the leafy setting of their Tenleytown office for the concrete jungle of downtown D.C. to participate in a tour of the United States Secret Service Headquarters

Key in the Media

Michael Breslin. 2015 alumnus of the Key Executive Leadership Program, wrote an article for 9-1-1 Magazine on March 7 suggesting the adoption of a holistic global strategy to combat cyber threats.

Patrick Malone. director of the Key Executive Leadership Program, wrote an article for ICMA Publications on the importance of humor in the workplace.

Michael Breslin. 2015 alumnus of the Key Executive Leadership Program, co-wrote an article for The Homeland Security Today on June 27 on the need to use a holistic approach in the current cybersecurity threat environment.

Events Calendar

Thursday, June 22, 2017
10:30 a.m. – 12:30 p.m.
Constitution Hall (East Campus)

Take Key out to the Ballgame! | AU Night at the Nats

Friday, August 11, 2017
National vs. San Francisco Giants
Nationals Park

Key FED Talks | True Digital Transformation for 21st Century Bureaucracieswith Thomas Cochran, Acquia Chief Digital Strategist VP, Public Sector

Wednesday, September 13, 2017
4:30 – 6:30 p.m.
Carnegie Endowment for International Peace
1779 Massachusetts Avenue, NW
Washington, DC 20039

Copyright © 2017 American University.

Readers Viewers

Microsoft Word Viewer

  • Microsoft Excel Viewer
  • Microsoft PowerPoint Viewer

  • Institutions of Higher Learning Undergraduate and Graduate Degrees – Education and Training


    Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

    Education and Training

    Institutions of Higher Learning Undergraduate and Graduate Degrees

    Most VA education and training benefits may be used at institutions of higher learning, including four-year universities, community colleges, and entities offering advanced degrees.

    Payments are based on the number of classes you attend. For example, a college considers:

    • 12 hours or more full time
    • 9 11 hours three-quarter time
    • 6 8 hours half time
    • Less than six hours as reimbursable at a rate not to exceed the tuition and fees charged for the course or courses

    For graduate-level training, the training time is determined by the college. For example, if a two- hour class is considered full time in a graduate program at your school, VA will pay you the full-time rate.

    Degree-granting institutions of higher learning participating in the Post-9/11 GI Bill Yellow Ribbon Program agree to make additional funds available for your education program without an additional charge to your GI Bill entitlement. Get more information in the Yellow Ribbon Program pamphlet or go online to the Yellow Ribbon Program page.

    The GI Bill will allow you to attend more than one college at a time, as long as the classes at both institutions count toward your degree, and the school granting your degree accepts the classes at the second school as part of your requirements. However, the GI Bill will not pay you to take the same classes twice, unless you receive a failing grade in a class that is a graduation requirement.

    The GI Bill can pay you for more than one degree. For example, it will pay you for a degree in Business and then for a second degree in Computer Science, or for an associates, bachelors, or masters degree in the same field. Once you have a degree, you could pursue another one, provided you have remaining entitlement on your GI Bill.

    Payments are issued monthly in arrears. For example, you receive the November payment in December. For the Post-9/11 GI Bill, the tuition and fees are paid directly to the school, the book stipend is paid to you at the beginning of the term, and the housing allowance is paid to you at the end of each month.

    Pharmaceutical Conferences #conference #series #llc, #pharma #conferences, #pharma #summits, #pharma #events, #pharma


    Welcome to The Pharmaceutical Conferences

    Meet Inspiring Speakers and Experts at our 3000+ Global Conferenceseries Events with over 1000+ Conferences, 1000+ Symposiums and 1000+ Workshops on Medical, Pharma, Engineering, Science, Technology and Business.

    Explore and learn more about Conference Series Ltd. World’s leading Event Organizer

    Conference Series LLC through its open access initiative hosts over highly valued 700 leading-edge peer reviewed Open Access Journals and organizes over 1000+ Global Events annually all over the world. Conference Series LLC Journals have around 100000 Editorial and reviewers ensures the quality and fast editorial, review processing with time of publishing in just 21 days from the day of submission of manuscript. We have high accessibility across the scientific community with readership of more than 10 million readers. Conference Series LLC signed an agreement with more than 1000 International Societies to make healthcare information Open Access. Conference Series LLC brings in concert the work of leading minds in scientific organization all across the world to serve the civilization by making it possible for global allocation of knowledge through its Open Access Journals and Scientific Events. Omics International conferences are the best venues for organizing our Pharmaceutical Conferences. Medical Conferences. Engineering Conferences. Healthcare Conferences. Diabetes Conferences and many more.

    Conference Series LLC Conferences are consecrated towards technological uprisal and scientific spring up. From the ancient man’s hit and trial methods of finding curative products to the modern man’s advanced techniques of using medicinal herbs, biological, chemotherapy and antibiotics, Pharmaceutical Sciences have grown with mankind.Conference Series LLC meetings hold within itself the gravity of unifying the scientific diversities.

    Today pharmaceutical sciences have become an interdisciplinary field which brings together all branches of science together for the never ending search of new life-saving and life-giving products. With the advancement in technology, Pharmaceutical Sciences have seen a revolution. Proteomics, genomics, molecular modeling, computer based drug design, and combinatorial synthesis have taken drug discovery to a myriad of success.

    Conference Series LLC Pharmaceutical Conferences are organized with the ambition to give a capitalistic belvedere to researchers, scientists, academicians, pharmaceutical industries, health care professionals, students, to come learn, evolve, discuss, share and get the knack of recent advances and succor the mankind to combat the gruesome maladies.Conference Series LLC also organizes Symposia at Conference Series LLC Conferences to reflect the cutting edge research of today and nascent technologies & developments of tomorrow, by hosting the adepts of the fields to furnish their experiences and experiments through plenary speeches and presentations

    Conference Series LLC Pharmaceutical Conferences is a hub which covers the innards of pharmaceutical sciences including Analytical and Bioanalytical techniques; Biowaivers and Biosimilars; Bioavailability and Bioequivalence; Clinical pharmacy and Dispensing; Medicinal Chemistry and CADD; Pharmacognosy, Phytochemistry and Natural Products; Pharmaceutical Regulatory Affairs; Pharmaceutics and Novel Drug Delivery Systems; GMP, GCP and QC; and clinical pharmacology. With these international events Conference Series LLC wish to expedite drug discovery and cater the profession.

    Conference Series LLC brings together the work of leading minds in scientific fraternity all across the world to serve the humanity by making it possible for global sharing of knowledge through its Open Access Journals and Scientific Events.Open Access Journals uses the power of internet and multimedia to make knowledge available globally with one click away. Conference Series LLC have joined forces to create the largest gathering of the scientific researchers community in the world, with hands-on expertise in conducting events and business sessions such as International conferences, World Congress, Symposia and Workshops which helps you to change your business by bringing you face-to-face with the investors and practitioners. Conference Series LLC conducts most prominent Science conferences with their respective theme.

    Conference Series LLC is actively involved in conducting International Conferences 2015-2016, across USA (Baltimore, Philadelphia, Las Vegas, San Antonio) and almost all other parts of the world. With the rapid increase in the number of conferences, Conference Series LLC exaggerates with highly designed scientific tracks which were planned to deliver keynote presentations by high affiliated scientists all around the world across a wide range of community between industry and academia. Through our keynote presentations we offer great motivational speech as well as up to date research in the particular field of science, indeed by the effort with our sponsors to make sure that planned event and worldwide events turn into a far more than just a day of encouragement.

    Conference Series LLC provides special forum to the researchers wherein they can communicate with Scientists form diversified fields at our congress. We offer this platform to the researchers to establish or to extend their scientific network. Our academic conferences always honored the high affiliated and renowned speakers as Organizing Committee Member position and will be facilitated with the special momentous during the event. Professors and Associate professors will have priority to chair a session of his/her interest. Renowned speakers get waivers during the International conference .

    Contact Us

    Charlotte CBOC – W #charlotte, #veterans #affairs, #vamc, #medical #center, #north #carolina,


    W. G. (Bill) Hefner VA Medical Center – Salisbury, NC

    Charlotte Community Based Outpatient Clinic

    The address of the Clinic is:

    8601 University East Drive, Charlotte, NC 28213

    Primary care services for veterans in the Charlotte metro area.
    Behavioral Health services including individual, group and family counseling.
    Handicapped Accessible: full and easy access for all veterans.
    Personal Care: Highly qualified primary care providers.
    Laboratory: Blood drawing services available.
    My Healthe Vet kiosks are conveniently located in the clinic.

    Primary Care, Lab, Imaging and Pharmacy:

    Monday, Wednesday Friday: 8 a.m. 4 p.m.
    Tuesday: 7 a.m. 5:30 p.m.

    Monday through Friday: 7 a.m. to 5:30 p.m.

    Take Exit 45A, Harris Blvd East. (Rt 24/27).
    Merge onto WT Harris Blvd East for approximately 2.6 miles.
    Immediately after you drive past Old Concord Road exit, move into the RIGHT lane.
    The next Right is the entrance lane to University East Drive.
    Turn Right onto University East Drive.
    Proceed 0.2 miles on this road. Do NOT make any turns. Drive PAST the Hartford Insurance Group traveling toward the end of the road.
    The Charlotte Outpatient Clinic is on the right.

    From I-77 North or South :

    Take Exit 18 onto WT Harris Blvd.
    If coming from North, make a left onto East Harris Blvd.
    If coming from South, make a right onto East Harris Blvd.
    Proceed on East Harris Blvd for approximately 8.8 miles.
    You will proceed past the intersection of I-85 and Hwy 29.
    Immediately after you drive East Old Concord Road Exit, move into the RIGHT lane.
    The next RIGHT is the entrance to University East Drive.
    Turn RIGHT onto University East Drive.
    Proceed 0.2 miles on this road. Do NOT make any turns.
    Drive past the Hartford Insurance Group, traveling toward the end of the road.
    The Charlotte Outpatient is on the right.

    Continue down East WT Harris Blvd to the second entrance into this complex.
    Turn right at Back Creek Drive.
    If you have driven to the traffic light at Rock River Road, you have gone too far.
    Turn back and proceed approximately 0.25 miles where Back Creek Drive ends at University East Drive.
    Turn Left, proceeding on University East Drive until you see the Charlotte Outpatient Clinic on the right.

    From Matthews, Mint Hill, Pineville and points South:

    There are several routes that can be taken.

    I-485 will loop around to I-77 and I-85. Follow the directions noted above.
    If you are traveling on Independence Blvd (Rt 74):
    From Independence Blvd get onto East WT Harris Blvd.
    Proceed on East WT Harris Blvd.
    At the traffic light at the intersection of Rocky River Road and East WT Harris Blvd, continue on East WT Harris Blvd.
    Move into the LEFT lane to position yourself to cross over East WT Harris Blvd onto Back Creek Drive.
    Proceed approximately 0.25 miles where Back Creek Drive ends at University East Drive.
    Turn LEFT, and proceed on University East Drive until you see the Charlotte Outpatient Clinic on the right.

    If you miss the above turn into Back Creek Drive:

    continue on East WT Harris Blvd to the second entrance into this complex
    From the left lane, cross over East WT Harris Blvd and turn left onto University East Drive.
    Proceed 0.2 miles on this road. Do NOT make any turns.
    Drive PAST the Hartford Insurance Group, until you see the Charlotte Outpatient clinic on the right.

    Free on premises.

    Travel insurance: pick your way to the best policy #travel #insurance,insurance,consumer #affairs,family


    Travel insurance: pick your way to the best policy

    Travel insurance: pick your way to the best policy

    Monday 9 June 2014 07.00 BST

    Y ou’ve booked the holiday, updated your summer wardrobe and checked the neighbours will water the plants. But have you bought travel insurance? If you are one of the millions turning to price-comparison sites to search for a policy the choice can seem baffling.

    Cash logged into to search for a Europe-only annual policy to cover two adults and two children under 16. It offered 94 policies from just £22.80. The same search on returned 95, from £24.64. The startlingly low prices are thanks to intense competition among an expanding list of providers.

    However, table-topping names were mostly unrecognisable. We scrolled past a dozen or so before coming across a well-known brand. So how do you know you are buying from a reputable company?

    Large insurers tend to trade under a range of different names, and an unknown brand could actually be backed by a company you have heard of. For example, is a trading name of InsureandGo, which is part of massive Spanish insurer Mapfre. You can check the “about us” section of a provider’s website to see who they are. “Picking one that is part of a big insurer should give you peace of mind,” says Malcolm Tarling of the Association of British Insurers.

    There is a handful of standalone players, including Explorer Travel Insurance. Traveltime,, Planet Earth and goPanda. “In this case check who underwrites the policy – this is the company paying in the event of a claim,” says Tarling.

    If you are buying through a comparison site, the brands are authorised and regulated by the Financial Conduct Authority and you are covered by the Financial Services Compensation Scheme (FSCS).

    In the unfortunate event you pick a small brand and it goes bust, the scheme will step in. “We may first try to transfer the policy to another insurer,” says a spokesman. “If there is a claim already in process, we may be able to offer compensation, but this would be on a case-by-case basis.”

    Whether a provider pays out is what consumers really want to know. The Financial Ombudsman Service received, on average, 43 complaints a week in the year to April 2014, ruling in favour of the consumer in more than half the cases.

    One of the most common reasons for a claim being rejected is when an insurer relies on a particularly restrictive or onerous term in the contract.

    A spokesman for the ombudsman says: “Should the worst happen, keep a note of any correspondence. Keep electronic copies of your policy saved to your email account so the documents can be accessed wherever you are in the world. Taking pictures of an incident is another great way to record what’s happened.”

    Complaint disputes make it important to consider how companies deal with customers. Look for 24-hour helplines, and check online forums to see if there are any comments about a brand. offers star ratings beside policies from independent financial researcher Defaqto. Some of the cheapest are only awarded one star out of a possible five. Consumer ratings are also a useful way of understanding which companies look after their customers. Of 20 travel insurers listed by consumer group Which? it only recommends Saga and Marks Spencer Bank based on customer feedback.

    Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are. The best score highly across all of these areas.

    Among travel insurers LV=, First Direct, Tesco, Amex, M S and Saga are gold-rated, while Aviva, HSBC, Staysure and the AA are silver-rated.

    “It’s worth going to a comparison site first to see what the cheapest available policies are – but if you don’t see any of these brands it could be worth going to them directly,” says James Daley, founder of Fairer Finance.

    Before any search make a list of what cover you need in a policy, says Tarling. If you are unsure if the policy will pay out for your needs, you could also call a broker. A list of these is available at They can advise you of the right policy for your requirements.

    Graeme Trudgill, executive director of the British Insurance Brokers’ Association, says: “Numerous brands listed on comparison sites are actually brokers. You could give them a call to check the policy definitely covers your needs – they will have different types and strip down the cover to get a competitive quote.”

    Here are some relatively unknown insurers that may crop up: ■ Staysure: This is a specialist insurance broker for the over-50s known for being prepared to cover holidaymakers with cancer or other serious pre-existing medical conditions. Staysure has above average happiness and trust scores from customers on Fairer Finance – in spite of having the longest policy document of all travel insurers (at almost 38,000 words).

    BigBlue Cover: Listed by Which? as offering attractive rates with a good level of cover for singles, family and couples. It is part of the larger Rock Insurance Group.

    TopDog Insurance: Surprisingly, it isn’t a pet insurer. Cover is underwritten by Mapfre, which has a below average record on complaints handling, says Fairer Finance. In the last six months of 2013, the Financial Ombudsman received 310 complaints about Mapfre compared to 115 for Saga. Its policy documents are among the longest – at a little over 25,000 words.

    Explorer Travel Insurance: It specialises in insurance cover for over 65s. It is listed by Which? as providing among the best value European single trip policies for those over 80 with a good level of cover.

    Project Syndicate – the Smartest Op-Ed Articles from the World s Thought


    Jacek Rostowski lauds UK voters for seeing through the prime minister’s effort to avoid accountability for Brexit.

    The UK’s snap election has dealt a devastating blow to Prime Minister Theresa May’s Conservative Party, decimating its majority and resulting in a hung parliament. May’s political strategy of avoiding any meaningful discussions about Brexit has clearly backfired. READ MORE

    The Economic Consequences of a Hung Parliament

    Diane Coyle argues that the UK’s new political uncertainty heightens the need for industrial policy.

    Britain’s just-completed election will produce a weak government and considerable uncertainty – and not only about the UK’s withdrawal from the EU. The greater the political instability, the more acute is the need for a framework that will finally start to address the deep divisions and challenges facing the British economy. READ MORE

    Theresa May’s Other Citizens of Nowhere

    Jan-Werner Mueller takes the UK prime minister to task for embracing denationalization as a counterterrorism measure.

    British Prime Minister Theresa May has embraced the revocation of individuals’ citizenship as a counterterrorism measure. In fact, no country has gone further than May’s UK in normalizing this immoral and ineffective policy. READ MORE

    A Brexit Strategy for a Weak UK Government

    Ngaire Woods warns that the UK is at risk of making three classic negotiating mistakes.

    As Prime Minister Theresa May seeks to form a new government, she also needs to get down to the nitty-gritty of negotiating Britain’s exit from the EU. Preparations for the Brexit negotiations have been underway for some time, but they have so far been impeded by three elementary negotiating mistakes. READ MORE

    The Snap Election Trap

    Raj Persaud, ET AL

    Raj Persaud & Adrian Furnham invoke a psychological theory that could have predicted Theresa May’s resounding defeat.

    British Prime Minister Theresa May’s humiliating electoral defeat could have been predicted by a well-established psychological theory. While competent leaders have no fear that their future policies will turn off voters, insecure leaders will try to capitalize on popularity whenever they have it. READ MORE


    Riding in Cabs with Joseph Nye

    Joseph S. Nye discusses great power politics with PS’s Mark Leonard, the director of the European Council on Foreign Relations

    LBJ School, Texas Energy Poverty Research Institute launch low-income profile research project


    You are here: Home / News / LBJ School, Texas Energy Poverty Research Institute launch low-income profile research project

    LBJ School, Texas Energy Poverty Research Institute launch low-income profile research project

    LBJ School of Public Affairs Professor Dr. Heath Prince will lead a team of graduate students in a new Public Research Project sponsored by the Texas Energy Poverty Research Institute (TEPRI ), an Austin-based non-profit organization dedicated to addressing a growing energy-poverty nexus in Texas. Researchers will help identify Texas’ low-income energy customers and help develop sustainable solutions designed to mitigate their home energy costs and associated hardships. Read more about the project here.

    UT Energy Bulletin

    A monthly e-newsletter of all things energy on The University of Texas at Austin campus.

    Energy Inventory

    Long known for its pioneering research into conventional sources of energy, UT Austin also conducts cutting edge research on new technologies covering the entire spectrum of energy. Access this remarkable depth of expertise and knowledge.

    Energy Funding

    The University of Texas at Austin attracts more than $70 million in funding to conduct cutting-edge energy research in more than two dozen academic units and research centers. Learn more.

    Find an energy expert

    As a premier energy campus, The University of Texas at Austin fosters a climate that consistently produces exemplary academic research in the diverse and rapidly evolving world of energy. Find the expert you’re looking for.

    Latest news

    SAA – Meetings #sex #addiction, #sex #addicts #anonymous, #saa, #sex, #sexual, #sexaholic,


    Meetings in Ohio

    Meetings are listed first in alphabetical order by city, then by day of the week, then by time of day. If you do not find a face-to-face meeting in your area, we offer telephone and internet-based meetings .

    SAA member groups agree to abide by the Twelve Steps and Twelve Traditions of SAA and their application of these principles is governed by their own group conscience. Members are urged to attend different groups and find those that fit best with their personal needs in recovery. Above all, keep coming back!

    Electronic meetings by telephone or Internet are available if no face-to-face meetings can be found. Meeting times and passcodes are available on our Electronic Meeting page.

    Recovery Zone Akron
    Info line: 330-318-8155

    Contact local members for meeting location.

    Open to all seeking help
    but closed to visitors
    (What is this?)

    Closed meetings are reserved for any person who desires to stop addictive sexual behavior or who thinks he/she may be a sex addict. Email or call the local contact for more information.

    Men of Valor 4 Life
    Life Church Amelia
    1690 State Route 125
    at Rose Ln

    Open to everyone
    including visitors
    (What is this?)

    Open meetings welcome anyone who wants to learn more about SAA. Email or call the local contact for more information.

    Contact Us – Life Insurance #va, #veterans #affairs, #ebenefits, #vba, #veterans #benefits


    Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

    Life Insurance

    Please select the appropriate link to contact VA life insurance:

    Office of Servicemembers’ Group Life Insurance

    Contact the Office of Servicemembers’ Group Life Insurance (OSGLI) if you have questions about Servicemembers’ or Veterans’ Group Life Insurance.

    Toll-free telephone: 1-800-419-1473

    Toll-free fax numbers:
    Death and accelerated benefits claims only:
    All other fax inquiries:

    General Correspondence:
    Office of Servicemembers’ Group Life Insurance
    PO Box 41618
    Philadelphia, PA 19176-9913

    New VGLI Applications and VGLI Reinstatements:
    PO Box 41618
    Philadelphia, PA 19176-9913

    TSGLI Points of Contact List by Branch of Service

    Contact the appropriate military service POC if you have questions about Servicemembers’ Group Life Insurance Traumatic Injury (TSGLI) insurance.

    Branch of Service

    S-DVI and Other VA Life Insurance

    Contact the VA Life Insurance Center if you have questions about Service Disabled Veterans Insurance or a policy number that begins with a V, RH, J, RS, K or W:

    Toll-free telephone: 1-800-669-8477 (8:00 AM to 6:00 PM ET)

    Toll-free fax numbers:
    Death claims only:
    All other fax inquiries:

    General Correspondence:
    Department of Veterans Affairs Insurance Center
    PO Box 42954
    Philadelphia, PA 19101

    Death Claims, Waiver of Premium Applications, VMLI Claims:
    Department of Veterans Affairs Insurance Center
    PO Box 7208
    Philadelphia, PA 19101

    Loans and Cash Surrenders:
    Department of Veterans Affairs Insurance Center
    PO Box 7327
    Philadelphia, PA 19101

    Premium and Loan/Lien Payments:
    US Department of Veterans Affairs
    VA Life Insurance Center
    P.O. Box 105535
    Atlanta, GA 30348-5535

    File a new Beneficiary Designation:
    Department of Veterans Affairs Insurance Center
    PO Box 8638
    Philadelphia, PA 19101







    U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420

    Last updated January 22, 2016

    Holiday car hire: 10 ways to avoid being ripped off #motoring,car #insurance,insurance,consumer


    Holiday car hire: 10 ways to avoid being ripped off

    Holiday car hire: 10 ways to avoid being ripped off

    Friday 15 June 2012 23.02 BST

    1. Buy the basic package only

    The secret to saving money on car hire is to buy the basic package only. Car hire firms make all their profits by selling you the add-ons, which are usually absurdly expensive. In particular, ignore pressure to buy their collision damage waiver (CDW) or “super” CDW insurance, which will cover the “excess”, usually £500-£1,000, not covered by the basic insurance. Instead, arrange your own cover independently – see step three.

    Use online agents such as,, to check hire prices first, but also look on the sites of the major players, such as Hertz, Avis, Budget, Europcar and Sixt. They often have special offers making them just as cheap as the brokers, and booking direct has its benefits if there are problems later.

    Keep to on-airport operators – not only are they more convenient, but “cheap” off-airport deals can be a false economy when the car turns out to be a dud. Hire deals organised by airlines such as Ryanair’s link with Hertz are rarely better value than using a broker or going to the hire firm direct.

    2. Bring your own satnav and child car seats

    We tested the cost of hiring a satnav for a week in Italy with Hertz and were asked for €97 (£78.50) for one week. In Spain, Europcar wanted £77.

    This is a waste of money. You can buy a new satnav that covers both the UK and Europe for around £50-£60.

    Child seats are more tricky. Hertz wanted £78.50 while Europcar asked for £74, and £60 for a booster seat. But if you are flying with a charter airline such as Monarch, it is free to take a child seat with you. Booster seats cost as little as £8 to buy in the UK, indicating just how overpriced the car hire deals are.

    If you are flying on a low-cost airline such as Ryanair, check the additional baggage cost when booking. Ryanair charges £10 each way for a child car seat, so even with this extra cost it can still make sense to bring it along.

    3. Save £100 by buying excess insurance

    When you rent a car, the price generally includes insurance cover for a major crash, write-off, etc, but leaves you with the bill for the first £500 to £1,000. If there are any small scratches or scrapes, adding up to, say, £500 worth of damage, it means you have to pay it in full. So the car hire firms try to persuade you into buying super CDW insurance to cover this first £500-£1,000. But they charge as much as £150 for a week, compared to the £33 cost of buying it independently. is an independent insurance company that will sell you an annual excess policy for Europe for £49, or £4.75 per day for shorter rentals.

    Unlike the car hire firm’s own policies, its policies cover damage to windows, tyres, undercarriage and the roof, and the rest of the car up to £2,000 per single claim. If you damage the car, you pay the car hire firm the agreed excess and then reclaim.

    Readers who have claimed say customer service and claims handling is quick and excellent. is another firm in this area. Its annual European policy is £40 a year, but is not quite as comprehensive.

    4. Ignore the sales patter at the collection desk

    This is where you need to be strong. Don’t be persuaded to buy insurance you have already paid for (above). When you fill out the rental agreement, the local agent will try to sell you their super CDW that reduces the excess to zero. They will tell you that your insurance isn’t valid (it is) and they will try to sell you windscreen wheel, tyre, and undercarriage insurance (if you bought from the likes of Insurance4carhire, you will also have this).

    Assuming you have a policy, don’t fall for it. We get lots of complaints about this, and the car hire firm is under no obligation to refund you because you bought two policies – nor is the agent you hired the car from. If you paid twice, it’s your mistake.

    When you refuse the extra cover, the rental firm will “pre-authorise” a sum to cover the excess on your credit card – typically £600 or so in the local currency. This is normal and allows the firm to charge your card the excess if you do have a crash. They will also charge you for the fuel if appropriate.

    You will need enough available credit on your card to handle both.

    5. Check the fuel policy, the mileage and other extras

    Before you hand over your credit card details, look up the company’s fuel policy. If you are driving a long way, does your rental limit the mileage in any way? If you are under 25, is there a surcharge?

    A growing number of firms (for Spanish rentals in particular) now insist on a full-to-empty fuel policy on rentals of more than three or four days. You pay for a full tank of fuel and then bring it back empty, which is fine in theory, but if you aren’t using the car much you’ll end up paying for three-quarters of a tank of fuel you didn’t use.

    Renters on the small Spanish islands report it being impossible to use a full tank of fuel. Even the big firms now adopt this policy. The only way round it in Spain for those on a week’s holiday is to go for a series of short rentals. Elsewhere, such as Italy, it is less prevalent, but starting to appear.

    6. Note all damage, and video or photograph the car

    This is the key moment. Before you leave, go round the car and look for any damage and mark even minor scratches on the rental agreement. Don’t leave anything off. Same for the interior. Check the spare wheel is there, inflated and undamaged. Check the car is full of fuel if it supposed to be, and record the mileage, if it’s restricted.

    Once you have marked all the damage on the sheet, get someone at the rental desk to sign it – even if it is a long walk or drive back to the desk. If you don’t there is nothing to stop the firm arguing that you caused the damage at the end the rental.

    Once signed for, there can be no dispute. Take a video or digital pictures of the car (especially any pre-existing damage) as extra proof.

    7. Photo the car on return and keep the paperwork

    Assuming you have done no damage, and have filled it up (if required), park it up and then take digital photos of each panel of the car, the wheels, the mileometer, and other shots.

    Hand the keys back to the person at the desk. If late at night post them through the letter box. Be wary if approached by someone in the car park claiming to work for the car firm. One reader faced a lengthy battle after his car was stolen in this way.

    Lastly, keep hold of the paperwork. Don’t throw it away, thinking the rental is over – it’s not.

    8. Keep an eye on your credit card statement

    Check your credit card statement a few days later to make sure promised fuel payments and excess charges are returned and keep an eye out in later statements that no extra payments have mysteriously materialised.

    9. Fight any additional charges

    If you have wisely bought excess protection, simply claim from the firm in question. If the claim is spurious, pass this on to them and let them sort it out. If you bought the car hire firm’s policy (why?) and the claimed damage is not covered – it rarely is – then it is time to go into battle.

    Send a copy of the photos you took, and talk to the company. Some, particularly those in Spain, will ignore you. Take it up with the agent you made the booking through. They may help. If the hire firm has a UK presence, contact the offices here.

    Ask for evidence of repairs that were supposedly carried out.

    If you don’t get anywhere and know you are innocent, raise the dispute with your credit card provider. The card firm may again try to ignore it, but they are in the UK, and will be easier to tackle. It will then be up to the car hire firm to prove its claim is valid.

    10. So which car hire company do you go with?

    Shop around, of course, but one firm that we get relatively few complaints about is Holiday Autos. It has the advantage of offering a one-stop shop in that you can buy its basic rental – it also offers Insurance4carhire’s excess insurance in the same booking – albeit branded as its own total damage excess waiver.

    Just remember you’ve already paid and don’t pay again at the rental desk. The downside to using Holiday Autos is that to ring it you must pay 10p a minute. It charges to add an additional driver – €23 for a week’s rental in Spain – compared to Europcar’s £60. Holiday Autos’ baby seat charges aren’t excessive either. It is part of, so you have a big parent company to complain to if things go wrong.

    • Share on Facebook