Thursday, September 20, 2018

From Frugality to Riches


By being frugal, you separate your wants from your needs. You want to work for all you need not for all you want. We are programmed to sentence ourselves to a lifetime of hard labor for a certain status in life which include expensive cars, clothes, housings and even prestigious colleges and the list goes on.

Living on less can eventually yield much more. The simpler you make your life, the easier it will be to maintain. Life should be lived in moderation and save and/or invest your residual income.  You can make a comfortable life for yourself by finding contentment in the things you already have and holding reasonable beliefs.

To build an investment bankroll, you can work more or you can spend less—take your pick. But you can do it easier by being frugal.

Thursday, April 19, 2018

Monday, October 31, 2016

The Three Most Important Skills Employers want you to Learn from your College Education

According to a National Survey of Business and Nonprofit Leaders, 92% said these are the most important skills they look for in new hires:
1. Superb skills communicating verbally and in writing—This entails advanced Microsoft Office skills, influencing people and gathering information
2. Time Management—Ability to use online calendar tools and Project Manager applications
3. Ability to work with teams—be a people person and have the ability to work with different cultural groups

Wednesday, December 30, 2015

6 Reasons You Need a Budget

1.) It will make you aware of how you spend your money

2.) It will help with financing your Education--Once you understand how your money is received and spent, you can see how you can reach your educational goals by working more, borrowing etc.

3.) Able to set priorities as to what you should spend and how much you can save.

4.) Teach you self-discipline--by having a budget you tend to stick with the budget plans.

5.) Able to spend more time studying and less time worrying because you have your finances spelled out for you which will lead to a peace of mind.

6.) It will teach you to plan for the future and can lead to sound investments because you are aware of your finances and have learn to manage your budget!






Tuesday, December 24, 2013

A $50,000 Artist Challenge

The Los Angeles County Museum of Art

ART & TECHNOLOGY LAB

Request for Proposals

Deadline: January 27, 2014

The Los Angeles County Museum of Art (LACMA) has published guidelines and
the application for the initial round of funding for our Art + Technology Lab at
LACMA program. If you wish to apply for an Art + Technology Lab at LACMA
grant, please follow the application process guidelines below. All requests
must be submitted electronically to lab@lacma.org by 11:59 pm on January
27, 2014. All applicants will be notified by email regarding the status of their
application in April, 2014.

The Art + Technology Lab is designed to invest in projects that explore artistic
applications of emerging technologies with the help of partners from private
industry and academia. In the inaugural year of the Art + Technology Lab at
LACMA, the museum expects the program to fund a small number of projects
that engage emerging technology. We seek project proposals that have the
potential to allow the museum and its public to learn alongside artists and
technologists doing thought-provoking work. Projects, including prototypes,
documentation, and work-in-progress, will be presented to the public at LACMA.
The Art + Technology Lab at LACMA grant program is open to individual artists
and artist collectives. Grants given through the program may provide financial
support of up to $50,000 per project to cover artist fees and direct costs,
including materials. In addition, recipients may be supported in-kind by members
of the Art + Technology Lab at LACMA Advisory Board, which includes
representatives from NVIDIA, DAQRI, Accenture, SpaceX, and Google, as well
as independent artists and academics working in art and technology. In-kind
support may include mentorship, coaching, advice and exposure to technologies
in development at partner organizations.
Particular areas of interest include the following:
• Explorations in advanced visualization and computational graphics
• Human/machine interface, EEG technology, sensors, robotics
• Sensory and extrasensory modes of perception
• Mobility: capturing/presenting/utilizing data generated by mobile devices
• Mechanics and machine design
• Data structures and data infrastructure
• Space exploration and the design of machines for environments in space
• Connection and explorations of portable identities and pseudo-identities
• Distributed experience and storytelling through multi-dimensional user
experience design
• Crowd-sourced information production and human-based computation
knowledge

Evaluation criteria:
LACMA curators and staff will review all applications and may recommend one or
more projects to the Art + Technology advisory board comprised of sponsor
companies and independent artists and academics. The museum director and
curatorial staff will make the final selection. LACMA has sole discretion as to the
number of proposals, if any, that it will pursue and accept.
Of particular interest are exploratory ideas and proposals that leave room for
refinement in collaboration with technologists and the museum. In addition,
preference will be given to projects that are publicly accessible, consistent with
LACMA’s mission, and produce models, prototypes and user data that can be
shared broadly.
Projects will be evaluated according to the following criteria:
• Is the project artist-led and does it have artistic merit?
• Does the project explore emerging technology?
• Does it produce an interactive experience that can be presented in the
public space of the museum (which may include virtual/online space)?
• Does the project suggest models, methods, and/or data that may be of
interest to other artists and technologists?
• Does the process proposed by the artist include opportunities to present
demos, prototypes or collaborative opportunities for the public during the
development period?
Artists need not be based in Southern California, though we prefer project
proposals that include some aspect of public demonstration and engagement
with LACMA’s public. Project budgets may include travel for this purpose.
The awarding of the grant may require meetings with applicants to discuss their
proposals and establish detailed agreements. The grants will be awarded only
after definitive agreements are reached, and the amount and timing of the
disbursement of funds will be determined by the nature of each project. All artists
will be required to execute a definitive agreement with LACMA (and, where
applicable, third party participants) which will set forth appropriate agreements
with respect to, among other things, the scope and duration of the project,
required milestones, amount and timing of funding, the involvement of third
parties, intellectual property, licensing and ownership.
A grant period of up to 12 months is allowed. The timing of the award will be
determined by the nature of each project and the time required to reach
necessary mutual agreements. Any planning costs included as part of the project
budget must be incurred during the period of support. No pre-award or postaward
costs may be included in the project budget.
Application deadline: January 27, 2014

Award information: Applicants may request a grant amount up to $50,000. All
costs included in the project budget must be expended during the period of
support. Applicants may include fees for their own time and/or creative effort,
above and beyond direct costs, as part of the proposed request.

How to prepare and submit an application:
LACMA is not looking for traditional grant proposals. Some degree of uncertainty
and ambiguity is encouraged, in the interest of identifying projects that truly
explore new frontiers in art and technology. Of greater concern are the questions
and methods you wish to explore, and the process you propose for exposing the
results of your experimentation to the public.
The application should address the following questions. Please send it as a
single document, preferably PDF, as an email attachment, with supporting
materials as hyperlinks, jpegs and/or PDFs. Number the pages of the application,
and include your name and the project name in the footer on each page of the
document.
Name of project:
One sentence description of the work for which you are seeking support:
Full description of the proposed project (250 word maximum):
Please submit a bio of the principal artist or collective who will be
responsible for this project (this may be in the form of a separate CV):
Please describe the artistic or creative merit of the proposed project(250
word maximum):
Why do you consider this project to be a meaningful exploration of
emerging technology? (100 word maximum):
In what ways does your project inspire dialogue about the issues at hand,
including the relationship between technology and culture? (100 word
maximum):
Please describe your proposed plan for public engagement. What
opportunities do you foresee to share prototypes, demonstrations and
process with the public? (100 word maximum):
What data will your project produce that may be of interest to other artists,
technologists, or arts organizations? (50 word maximum):
Please list any other sources of funding for this project, including in-kind
support, and, if applicable, any conditions related to that funding or
support:
Total amount requested:
Detailed project budget (please include direct costs, including materials,
software licenses, etc. and any artist fees as well as fees any other
contributors to the project):
If appropriate, please submit up to five images, schematics, renderings,
etc. that represent the idea for your project (jpeg, PDF). Video files (.mov,
mp4) of less than 5 minutes in length will also be accepted. Supporting
media files are not required.

Please provide an implementation plan delineated in a chart similar to the
one below:
IMPLEMENTATION PLAN
KEY MILESTONES START DATE FUNDS NEEDED
(Major steps in the project
development)
(Estimated date for each
project step)
(Amount of funds that will be
needed)

Tuesday, September 24, 2013

How Else can Students Pay for College?

Many students believe that if they qualify for financial aid they don’t need to apply for scholarships. What they need to know is that scholarships compliment their financial aid offer. At the bottom of each award letter, there should be a notation encouraging students to apply for scholarships as well.  It can be very costly to rely only on financial aid because even if grants are awarded the offer will most likely include student loans which need to be paid back. While financial aid is important, scholarships are far more superior. In most cases, scholarships represent free cash that does not have to be paid back regardless of family’s income. There are need-based and merit-based scholarships—Need-Based Scholarships: Gift aid based on demonstrated need as defined by colleges and the federal government that is the difference between the coast of attending a college and the EFC from the FAFSA. Merit-Based Scholarships: Scholarships based on criteria other than financial need such as academic major, career goal, grades, test scores, athletic ability, hobbies, talents, place of residence or birth, ethnic identity, religious affiliation, military or public service, disability, union membership, employment history, community service or club affiliations.
First, point your financial aid recipients to the internet to search online scholarship databases—as long as they are free. There are many free databases that online searchers can use and do not have to pay. Here are a few recommendations:


Thursday, September 19, 2013

Student Finance Budget

Students are well into the Fall 2013/14 year by now and if have not already are about to receive their first student aid disbursements. This is a good time to reemphasize the importance of sound money management by encouraging students to create and follow a budget. To begin keeping a budget, a tally of monthly expenses recorded to eventually get a sense of the average cost for varying expenses. Using and strictly following the attached budget formatted in an Excel spreadsheet, after a year students will see a surplus considering the amount the year started out with and adding monthly income and subtracting paid expenses. Student should personalize the budget according to their taste and refer to it often to record transaction and analyze whether they are living within their budget.