Tag: What

Admissions, University of Wisconsin-Eau Claire, what is a communication degree.#What #is #a #communication #degree

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Admissions

As one of the top ten public universities in the Midwest, UW-Eau Claire gives students a distinct advantage in academics, career and life. Our graduates earn their degree AND inspiration for a lifetime.

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What is a communication degree

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Can I afford it?

What is a communication degree

You can do it! UW-Eau Claire was voted as a best return on investment school.

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What is a communication degree

Join the Blugold family! See the steps you need to get started.

Find out how to apply

What will your AND be?

Ong Xiong is a biology researcher, a Hmong studies advocate, a McNair scholar and an International Fellow. Her many involvements and recognitions barely capture her personal and professional journey at UW-Eau Claire.

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What is a communication degree

Immerse yourself in the surroundings

We do things a little differently at UW-Eau Claire. Our liberal arts curriculum encourages Blugolds to live what they are studying now, not after they graduate. Be exposed to new perspectives that will reveal the complexity of the world around you.

  • ADMISSIONS
  • Schofield Hall 111
  • 105 Garfield Avenue
  • Eau Claire , WI 54701
  • 715-836-5415
  • [email protected]
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The Hybrid Cloud, Cloud Services, & Your Cloud Strategy, what does cloud computing mean.#What

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Cloud Strategy

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What does cloud computing mean

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Read how CIOs with solid cloud strategies are able to spring into action when conditions are right. Use cloud to seize opportunities to achieve digital business success. Learn More

What Is Cloud?

What does cloud computing mean

Find out the opportunities and benefits for CIOs who use cloud as a flexible style of computing and the importance of creating a solid cloud strategy. Watch Now

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Move everything to cloud services or keep some capabilities on-site? See how wise CIOs like you decide where and when to use cloud to achieve critical business outcomes. Learn More

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How to Become a Social Worker #what #degrees #do #you #need #to #become #a

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How to Become a Social Worker: Education and Career Roadmap

Should I Become a Social Worker?

People interested in helping others work through difficult life situations may want to consider a career in social work. Social workers provide direct services or clinical counseling to help clients assess and change harmful or unhealthy situations. They work in a variety of settings including nursing homes, hospitals, private practices, schools, and community mental health clinics. Caseloads may be heavy, causing stress and long work hours for many social workers. However, social workers can rest assured knowing their services are having tangible benefits for their clients.

In addition, a Masters in Social Work (MSW) is a very versatile degree which can be used as a stepping stool for other career tracks including public health and policy. Most entry-level positions require a Bachelor of Social Work (BSW). An MSW is necessary for other positions, including that of clinical social worker. All states have associated licensure or certification requirements. The following table describes some of the typical qualifications necessary for this career.

Find schools that offer these popular programs

  • Adult Development and Aging
  • Child Care Management
  • Child Care Services
  • Child Development
  • Community Organization and Advocacy
  • Family and Community Services
  • Family Systems
  • Human Development and Family Studies
  • Social Work
  • Youth Services

$59,100 (Median annual salary for social workers)

Sources: U.S. Bureau of Labor Statistics, Job postings by employers (August 2012)

Step 1: Earn a Bachelor’s Degree in Social Work

BSW programs prepare graduates for direct-service positions, such as mental health assistant or caseworker. Coursework includes social welfare policy, social work methods, applied research, child welfare, and social work for the aged. All BSW programs contain an internship or supervised fieldwork component, providing students the opportunity to develop practical skills in areas important to the profession, such as understanding group dynamics, interviewing, decision-making, and problem-solving.

Success Tip

  • Develop strong communication skills. Social workers must develop productive and healthy relationships with their clients and co-workers in order to work effectively. While in school, students can take advantage of internships and supervised fieldwork to learn how to interact with a variety of clients.

Step 2: Consider a Master’s Degree

An MSW can be undertaken with any undergraduate degree, though some programs may require certain prerequisite coursework in related areas, such as psychology and sociology, for applicants not holding a BSW. The MSW is required to become a clinical social worker or to work in schools or the healthcare system. These degree programs typically take two years to complete (though some programs offer more flexible 3 and 4-year degree plans) and prepare students for advanced practice in their specialties.

Students in these programs have a variety of concentrations and specialties to choose from, including mental health, families and children, global practice, older adults and families, and behavioral and physical health. Students may expand on professional components of social work, such as clinical assessment, caseload management, and leadership skills. Completion of an internship or supervised practice is required of all MSW students.

Success Tip

  • Gain experience in a high-demand specialty. According to the BLS, social workers in healthcare, mental health, substance abuse, children, families, and schools are expected to have the most favorable opportunities for employment. Working in these areas, even with a BSW, can provide the necessary experience through which to develop a specialty.

Step 3: Become Licensed

According to the BLS, all states have licensure or certification requirements for becoming a social worker. Licenses for non-clinical social workers are usually optional; rules vary for each state and can be found through the Association of Social Work Boards. State licensing requirements for clinical social workers typically involve 3,000 hours or two years of clinical experience along with completion of the MSW.

Step 4: Consider Credentialing

The National Association of Social Workers (NASW) offers voluntary credentialing at three levels for MSW-educated social workers. Each credential has varying eligibility requirements that may include specific hours of continuing professional education, clinical social work experience, and professional evaluations from colleagues.

There are also voluntary specialty certifications for both bachelor’s- and master’s- educated social workers in clinical social work, healthcare social work, gerontology, and several other areas, which may improve employment prospects.

Step 5: Maintain Licensure and Credentials

Social work licensure and certification, including specialty certification, must be maintained by completing continuing education courses. Requirements for the number of hours and the types of courses that can be taken vary for each state. By maintaining these credentials, social workers will continue to create career possibilities for employment and ensure that they remain employable.

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How to get the best mortgage rate #what #are #points #on #a #mortgage #rate

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How to Get the Best Mortgage Rate

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Buying a home is a huge financial commitment. Finding the right mortgage (and how to get the best mortgage rate) can be a confusing process — especially for first-time homebuyers. Comparison shopping is the key to getting the best deal, and you’ll want to ask yourself, “How much house can I afford ? before getting too far into the process.

Here are six important questions to consider when deciding which mortgage is right for you:

1. Should I get a fixed- or adjustable-rate mortgage?

Mortgages generally come in two forms: fixed or adjustable rate. Fixed-rate mortgages lock you into a consistent interest rate that you’ll pay over the life of the loan. The part of your mortgage payment that goes toward principal plus interest remains constant throughout the loan term, though insurance, property taxes and other costs may fluctuate.

The interest rate on an adjustable-rate mortgage fluctuates over the life of the loan. An ARM usually begins with an introductory period of 10, seven, five or even one year, during which your interest rate holds steady. After that, your rate changes based on an interest rate index chosen by the bank.

ARMs look good to a lot of homebuyers because they usually offer lower introductory rates. But remember, your rate could go up after your introductory period, so be sure you’re comfortable with the chance your monthly mortgage payment could rise substantially in the future. As you try to figure out how to get the best mortgage rate. Use the terms of the loan to calculate what your payment might look like in different rate scenarios.

2. Should I pay for points?

A point is an upfront fee — 1% of the total mortgage amount — paid to lower the ongoing interest rate by a fixed amount, usually 0.125%. For example, if you take out a $200,000 loan at 4.25% interest, you might be able to pay a $2,000 fee to reduce the rate to 4.125%.

Paying for points makes sense if you plan to keep the loan for a long time, but since the average homeowner stays in his or her house for about nine years, the upfront costs often outweigh interest rate savings over time.

Alternatively, there are negative points. It’s the opposite of paying points: A lender reduces its fees in exchange for a higher ongoing interest rate. It’s tempting to reduce your upfront fees, but the additional interest you pay over the life of the loan can be significant. Carefully consider your short-term savings and your long-term costs before taking negative points.

3. How much should I expect to pay in closing costs?

Closing costs usually amount to about 3% of the purchase price of your home and are paid at the time you close, or finalize, the purchase of a house. Closing costs are made up of a variety of fees charged by lenders, including underwriting and processing charges, title insurance fees and appraisal costs, among others.

You’re allowed to shop around for lower fees in some cases, and the Loan Estimate form will tell you which ones those are. Shopping for the right lender is a good way to find the best mortgage rate, and save money on a mortgage and associated fees.

4. Do I qualify for any special programs?

Before you settle on a mortgage, find out if you’re eligible for any special programs that make home-buying less costly. For example:

    • VA loans. If you or your spouse are active military or veterans, you might qualify for a VA loan. Such loans allow low (or no) down payments and offer protections if you fall behind on your mortgage.
    • FHA loans: Like VA loans, an FHA loan allows low down payments, but they’re open to most U.S. residents. They’re popular with first-time homebuyers, because they require as little as 3.5% down and are more forgiving of low credit scores than traditional lenders.
    • USDA loans. If you live in a rural area, the USDA might give you a low- or no-down-payment mortgage and help cover closing costs. Like VA loans, USDA loans can also offer help if you fall behind on your payments.
    • First-time homebuyer programs: If this is your first go-round in the homeownership process, check out the HUD website for helpful information and a list of homebuyer assistance programs in your state.

5. How much can and should I put down?

Generally speaking, a lower down payment leads to a higher interest rate and paying more money overall. If you can, pay 20% of your home’s purchase price in your down payment. However, if you don’t have that kind of cash, don’t worry. Many lenders will accept down payments as low as 5% of your home’s purchase price.

Be aware: Low-down-payment loans often require private mortgage insurance. which adds to your overall cost, and you’ll probably pay a higher interest rate. Put down as much as you can while maintaining enough of a financial cushion to weather potential emergencies. As you ask potential lenders how to get the best mortgage rate. many will tell you that the more money you put down, the lower your rate will be.

NerdWallet s mortgage rate tool can help you see rates available to you with varying downpayments and purchase prices.

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How to Start a BPO (Business Process Outsourcing) in India #how #to #start #a

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How to Start a BPO or Call Center in India

To start a BPO in India the entrepreneurs need to register with NASSCOM who will consequently verify the applicants’ integrity and then certify the organization. The owners should also set up a business development team that is capable of doing good research on the web and also analyzing the available information.

Steps involved in starting a new BPO

Create a new business plan

The owners always need to have a proper business plan in order to set up a successful BPO. Ideally, they should go for a BPO market segment where they have the requisite skill. They should also have a clear idea about the number of clients they will want to deal with at various stages of their operation.

To start with, the entrepreneurs should provide these companies their resumes as it is crucial to have a proper profile at the initial stages. They should also be ready to make minor adjustments to their desired pay structure at these stages. Following are the major components of a business plan:

  • Business goals
  • Logistics
  • Financial requirements
  • Staffing plans

Application process

The application form for a Business Process Outsourcing entity differs with respect to various entities. With some organizations, the application procedure is easy as they have online application forms that can be filled out.

In case of other companies, the owners need to get in touch with them directly and then arrange for a meeting where they will be able to highlight their abilities and experience. The owners should remember that with higher complexities their chances of success and staving off competition will be better.

It has often been seen that companies take a lot of time to reply. The entrepreneurs need to keep track of any progress in this regard. At times, they need to take the initiative and call up the companies where they have applied and get the latest information regarding their application.

The following table provides a comparative representation of the application procedures necessary for domestic and international call centers for Department of Telecommunications of India:

Domestic call centers

International call centers

Demand draft of specified amount drawn in favor of Pay and Accounts Officer (HQ) DoT. This is used as processing fee.

Demand draft of specified amount drawn in favor of Pay and Accounts Officer (HQ) DoT. This is used as processing fee.

Address of every location connected with leased lines or PSTN lines with incoming facilities only

Address of the location of every Indian and international terminal with IPLC connections

Bandwidth of lines that have been taken on lease

Bandwidth of lines that have been taken on lease and the reasons to justify the same

Amount of call center seats

Amount of call center seats

The organizational Memorandum of Article of Association

The organizational Memorandum of Article of Association

Schematic representation of the call center plan and total details of equipments being used

Schematic representation of the call center plan and total details of equipments being used

Name of clients. If clients are yet to be procured then the information can be provided prior to starting the service

Name of clients. If clients are yet to be procured then the information can be provided prior to starting the service

Nature of business operations

Proof of business type and contracts signed with end customers

Collecting important details

When an entrepreneur is trying to make repeated applications to a client that is yet to come back with an answer, they can highlight the following aspects:

  • Weekly market statistics
  • Mailing memorable items on a regular basis – this can include holiday postcards and sports schedules
  • Promotional items that have the applicants’ contact information and company logo

It is crucial that the lenders and banks have a positive image of a BPO. The entrepreneurs can start operations by researching for an updated list of companies that need to hire BPOs. The best way to achieve this is to procure a list from a well known provider of such information.

Important business decisions

The basic factor in starting a successful call center is deciding its nature of operations. Following are the major options available in this regard:

  • Inbound
  • Outsource
  • Outbound

Guidelines for starting a new BPO

The call centers are registered, as per the company established rules, under the Other Service Provider category. They can serve Indian companies on a non-exclusive basis. To start with, they are allowed to operate for a maximum period of 20 years following registration.

The call centers can avail 100 percent foreign direct investment. But they need to make sure that they inform the relevant authorities before they change the equity structure or their Indian or international partners. The applicable regulations also have to be followed in this regard.

The resources can be procured from authorized sources only. The local leased lines need to be taken from certified service providers and the IPLC has to be collected from certified operators of International Long Distance services.

The service providers normally assess the network diagram and provide resources to the OSP. This is done according to terms and conditions of the approval and prevalent policy guidelines pertaining to the concerned service provider. The service provider and the OSP, both, will be held accountable in case there is a violation of rules.

Normally domestic call centers are allowed to be set up on separate infrastructures. But requests for establishing a call center on an existing private network are judged on a case by case basis.

Two domestic call centers of the same organization can be interconnected but only after obtaining the necessary permission from the DoT. The permission is provided in case of the following situations:

  • Redundancy
  • Load balancing
  • Back up

However, domestic call centers are not allowed to interconnect with their international counterparts. PSTN connectivity is also not allowed in the following cases. They are allowed to handle both inbound and outbound calls.

The Indian end of an international call center is allowed to avail IPLC and internet connectivity in the same LAN. However, this permission is provided on the grounds that there shall be no transfer of data and voice traffic from the ISP through the call center’s IPLC.

If the company wants to increase an approved IPLC’s bandwidth then it can approach a certified ILD directly and inform the DoT within 15 days of the same. In case, it wants to add or change the POP, then the application needs to be sent directly to the DoT itself.

International call centers are allowed to interconnect with “Hot Sites” for getting back up and operating during any disaster. However, this permission is only given if international call center owners have provided the following facilities:

  • An exclusive router or server at the hot site
  • A locally leased line that connects the IPLC provider to the hot site
  • Local lease lines to the dedicated server at the hot site

The hot sites can only be used during the disaster. The process involves a request to the IPLC provider to change the IPLC towards the hot sites. In such circumstances, the DoT has to be informed as well.

The international call centers belonging to the same company can also cross map their seats for using them during any disaster. Under normal circumstances the actual call center will use all the seats but in abnormal situations they will have to leave the cross mapped seats for the other international call center. The DoT has to be informed in these cases as well.

Last Updated on May 25, 2015

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Psychology (EN) – Bachelor – s degree programmes – Bachelor – s Degree Programmes,

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Psychology

Behaviour and wellbeing

In the VU bachelor Psychology, you will learn how to use various scientific methods to study human behaviour and wellbeing. You will learn to understand behaviour—how we think, feel and act—and how those processes can go wrong. As a bachelor student you will acquire the methods and knowledge to address questions such as “What makes us who we are?” “What makes a person happy or depressed?”, “How do we learn? and “Why do some people have healthy lifestyles and others do not?”. You will learn that such questions are embedded in a broader context of how people develop over the lifespan, how people perceive and make decisions, what drives people, how genetic and environmental influences interact to make us who we are, and how and which interventions or therapies may help people with psychological problems.

Basic foundation

The VU bachelor Psychology offers you courses in clinical psychology, neuro- and developmental psychology, cognitive psychology, biological psychology, and social and organizational psychology. In the first two years of the study, you will acquire a broad understanding of the field of psychology and its methodology, and of the various research questions that currently define the field. Following this broad introduction, you will – towards the end of the second year – specialise by choosing a subject of your interest. In the subsequent bachelor year, you will pursue your subject both by acquiring knowledge and methods specific to your interests, and by learning general research skills, such reporting and communicating research results.

Looking beyond the bachelor

New scientific developments are continually shaping the field. For instance, such developments enable the study of the influence of physical activity on brain function and genetic influences on diseases such as autism, and they also give rise to new subjects such as e-health (healthcare by electronic processes). Psychology is a broad, multi-faceted discipline within the VU-wide research theme Human Health and Life Sciences. As students of psychology you will acquire a broad perspective, while focusing on the various application areas such as clinical (neuro) psychology, work and organizational psychology, social psychology, and developmental psychology.

Intensive and active study

Studying psychology at VU Amsterdam calls for active interest and participation. We foster this in working groups, in which we supervise students in actively pursuing knowledge and learning. Students are expected to adopt an active learning attitude in general, to participate actively in group meetings and to prepare well for working groups and lectures.

Your future

By completing the bachelor psychology successfully you will acquire the title Bachelor of Science (BSc), and with this title, a solid understanding of the scientific foundations of psychology. Following the bachelor many students choose to pursue a Master of psychology. which is also offered by VU Amsterdam.

Your subsequent career depends on your exact Master program, on your subsequent training and experience. Given a clinical Master, you may become a clinical psychologist, a clinical neuropsychologist or a development psychologist in a hospital or in mental health care organisations. There you would be involved in the treatment or diagnosis of clients with mental disorders and psychosocial problems. You can also choose to specialize as a work and organizational psychologist. You may pursue a career as a human resource manager or consultant at the personnel or managerial department of a large company or institute. As a social psychologist, you may work in communication or advisory positions in commercial organisations and government.

VU Amsterdam also offers two-year Research Master programs which prepare student for an academic career in psychology. Having followed such programs, you may work as a junior researcher at a university or research institute, or you may continue your academic career by pursuing a PhD.

Admission criteria and application

Note that the initial application procedure is fully online and that scans of your relevant documents are required.

You start the application procedure through the Studielink.nl national application system. You will then receive an e-mail inviting you to complete your application in the VU student portal, where you will also be asked to submit all documentation needed for the admission procedure. You do not have to complete your application in one session; you can save it and come back to it as often as you want before completing and submitting it.

Required application documents:

  • CV
  • Copy of valid passport or ID (ID for EEA students only)
  • Copy of your diploma (if obtained, can also be provided after conditional admission)
  • Copy of your latest transcript of records (if you have not graduated yet, please send us an official transcript listing the marks you have received to date). For A-level and IB applicants: include predicted Grade transcript if available.
  • Proof of sufficient English language test results (can also be provided after conditional admission)

A (to be obtained) secondary school diploma equivalent to the Dutch pre-university VWO is a primary admission criteria.

Deadline
International students who require housing facilities, as well as all non-EEA students, must apply before 1 April 2017. EEA students who do not require housing facilities must apply before 1 May 2017. You will be informed about your admission within four weeks after the completion of your application (including all required documents).

Application fee
The (non-refundable) application fee for all applicants is €100. Please read the application fee procedure carefully.

English language requirements
VU Amsterdam requires all applicants to take an English test and to submit their score as a part of the application before 1 August 2017.

  • Exceptions are made for students who have completed their score as a part of the application before the given deadline.
  • Exceptions are made for students who have completed their education in Canada, USA, UK, Ireland, New Zealand or Australia or who have obtained an International Baccalaureate or European Baccalaureate diploma (English taught).

The following tests and scores are accepted:

  • IELTS 6.5
  • TOEFL paper based test: 580
  • TOEFL computer based test: 237
  • TOEFL internet based test: 92
  • Cambridge Advanced English score A, B or C, or equivalent

If you are already in the Netherlands, you can also register for a TOEFL test at VU Taalcentrum. Please note however that this test is only valid at VU Amsterdam. VU Amsterdam only accepts language tests that have been completed max. 2 years ago. The certificate of the test may not be older than 2 years, counted from the date you start the Psychology program at VU Amsterdam.

Applications to Vrije Universiteit Amsterdam are done completely online. You start the application procedure through the Studielink.nl national application system. You will then receive an e-mail inviting you to complete your application in the VU student portal, where you will also be asked to submit all documentation needed for the admission procedure. You do not have to complete your application in one session; you can save it and come back to it as often as you want before completing and submitting it.

Prepare documents and apply online. Please note that it is always possible to apply online, even if your English test results or your diploma are not yet available.

Contact

This is what you will be doing

This VU bachelor Psychology is a three-year program. The teaching includes lectures and tutorials. By means of the lectures, you will gain knowledge and insights from the literature. In the supervised workgroups you will extend your knowledge by assignments and discussions with fellow students. The study will require about 40 hours a week, and will include about 12 teaching hours a week at VU Amsterdam.

The aim of the first year is to impart basic knowledge of psychology, and its various subdisciplines. The first years includes a general introduction to psychology, and introductions to basic skills in methods, statistics, and diagnostics.

In the second year, the emphasis is on deepening the knowledge acquired in the first year. For instance this will include an introduction to neuropsychology. In neuropsychology you study the effect of brain damage on people’s behaviour (e.g. agnosia, aphasia, dementia). You also follow courses on Work and Organizational Psychology, Philosophy and Psychology, and the Interaction of Genes and Environment. Towards the end of the second year you may choose from three courses, reflecting the three third year specialisation tracks. This will help you decide on your minor track, which will determine the content of your third year.

During this so-called profiling year, you will immerse yourself into the minor track that you have chosen at the end of your second year. The Bachelor’s program is concluded with the Bachelor-thesis. Following the Bachelors program, students can pursue their education by enrolling in the master program, which in turn builds on the minor track followed in the third year.
More detailed information about the third year can be found in our study guide.





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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do

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We professionally prepare probate legal documents and help you understand the mandated court process.
OUR MISSION IS TO SAVE YOU TIME, MONEY AND STRESS!
Don’t want, or can’t afford an attorney. you may not need one!
Call us today with your questions — you will be glad you did!
(602) 523-0100

A commonly asked question is: Do I need an attorney for Arizona probate?

The simple answer is no – anyone can file their own documents with the probate court. The right answer is one that only you can answer. Many probate cases are standard and only require an understanding of the court document requirements and the timing of the process. Some probate cases are more complex and you should be represented by legal counsel.

At Arizona Probate Services, we will discuss your situation with you. If we are uncomfortable about preparing the documents for your particular situation, we will recommend you seek legal counsel. We will always be honest and upfront with you. Integrity and a commitment to quality is the foundation of our business.

Then documents are filed with the court when it is appropriate, you administer the estate, and close probate when it is time! With our help, it’s that simple!

Thank you for supporting Arizona Business!

All fees on this website are subject to change without notice.

NOTICE TO CONSUMER
Arizona Probate Services is an Arizona certified legal document preparer, certified by the Arizona Supreme Court. The purpose of a Certified Legal Document Preparer is to provide professionally prepared legal documents and procedural assistance at an affordablecost. A Legal Document Preparer cannot represent you in court. A legal document preparer is not a lawyer, is not employed by a lawyer, and cannot give legal advice, and communications with a legal document preparer are not privileged (meaning we are subject to subpoena).

This website is intended to provide general information about Arizona legal issues and process. However, legal information is not the same as legal advice, which is the application of the law to a specific situation. The information provided on this website is not intended or meant to provide a comprehensive picture of any particular situation.


Content copyright 2010-2011. Arizona Legal EASE, Inc. All rights reserved.





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Department of Human Services #what #is #a #ebt #card

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Families First Card Electronic Benefits Transfer (EBT)

EBT stands for Electronic Benefits Transfer. Through the “Families First” EBT card, Work First New Jersey (WFNJ) and New Jersey Supplemental Nutrition Assistance Program (NJ SNAP) recipients are able to purchase food. In addition, WFNJ recipient also are able to access cash benefits using the card. EBT offers recipients the experience of doing business like other consumers and is time- and cost-effective for merchants because it eliminates the use of food coupons. Moreover, the system has proven helpful in preventing fraud associated with NJ SNAP trafficking.

Most WFNJ clients are issued the Families First card to access cash assistance and SNAP benefits.

The EBT card is similar to a bank card, with a secret Personal Identification Number (PIN) to use the benefits that are deposited into an account. Once benefits are deposited into your account, the client can begin using their card.

  • The card can be used at the grocery store to spend NJ SNAP benefits.
  • The card can be used at the grocery store to spend cash benefits for items that cannot be paid for with NJ SNAP.
  • At some stores, the card can be used to withdraw cash benefits.
  • Before shopping, make sure the store accepts the card; look for the Quest logo in the windows or on the doors at the store. If you don’t see the Quest logo, go to the courtesy counter and ask if the store accepts the Families First card.

Already Receiving NJ SNAP

Click here to create an online account, check your balance, change your pin and/or report a lost or stolen card.





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Life Insurance: Find a Life Insurance Policy #what #is #a #variable #life #insurance #policy

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Life Insurance

What is life insurance?

Life insurance can provide financial protection for your loved ones when you pass away and be an important part of your overall financial strategy. The Voya Life Companies offer all types of customizable policies with tax benefits to help you protect your financial future, provide for your loved ones and possibly even add to your retirement income.

How to choose

The kind of life insurance you may want depends on where you are in life, how long you want the coverage, and whether you want to use life insurance to help build money (called cash value) inside of your policy tax-free. That’s money you could possibly borrow 1 during your lifetime. Whether term or cash value life insurance, the right choice for you depends on your overall financial strategy.

Why Voya?

The Voya Life Companies are highly rated by commercial rating agencies for financial strength and their ability to meet claims and guarantees.

Life insurance products are issued by ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variable universal life insurance products are distributed by Voya America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and it’s products issued. All are members of the Voya® family of companies.

All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

Policy loans and partial withdrawals may vary by state, may generate an income tax liability, reduce available surrender value and reduce the death benefit, or cause the policy to lapse.

1 Income tax free distributions are usually achieved by withdrawing to the cost basis (usually premiums paid), then using policy loans. This assumes the policy qualifies as life insurance, is not a modified endowment contract, is not lapsed or surrendered with an outstanding loan. Individual tax results may vary. You should consult your attorney or other tax advisor.





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