Sentences with phrase «education costs without»

Both I bonds and a 529 account will allow you to save tax - free and potentially pay for higher education costs without being taxed on the profits.

Take early distributions from any type of individual retirement arrangement (IRA) for education costs without paying the 10 % additional tax on early distributions;

Not exact matches

Staff suggestions helped Mentor Training, a $ 1.5 - million provider of software education in San Jose, Calif., reduce its payroll costs by 30 % without laying off any full - time employees.

Offering lunches without receiving federal funds already has cost the board of education $ 4,000.

Rather than passing herself off as some sort of miracle worker, or trying to sell me on a simple five - step plan she'd come up with, she made it clear to me that improving school food can not happen without lots of hard work and, most importantly, without funding; in her case, San Francisco's board of education is willing to kick in significant money each year to cover the costs of the improved school food.

«Cutting Pell Grants and Medicaid funding without addressing the underlying causes of rising higher education and healthcare costs, simply represents a shift of costs to state and local governments who would be overburdened and unable to provide for vulnerable populations.»

The Council also continues to emphasize that, with multi-year, multi-billion budget deficits, New York needs to more fully examine its spending practices, especially in major programs such as Medicaid and education, and determine why are our costs are so much higher than other states without the results to match.»

Wage stagnation, underemployment, the exploding cost of a college education and the erosion of pensions have left many without hope,» he said in a statement to the press.

«This budget was to close a $ 10 billion deficit and we can't balance that without looking for reductions in a lot of different areas, and the biggest cost drivers are education and Medicaid.

«The Council also continues to emphasize that, with multi-year, multi-billion (dollar) budget deficits, New York needs to more fully examine its spending practices, especially in major programs such as Medicaid and education, and determine why are our costs are so much higher than other states without the results to match,» said Business Council President Heather Briccetti.

Even without increase in workers» pay, the cost of food, housing, education and other essential services are increasing.

With proper attribution and credit, the CDC DPP curriculum may be used as follows without further permission or license from the University of Pittsburgh: a. Non-profit research and non-commercial education purposes; b. Charging a fee solely for cost recovery of materials and operations related to delivery of the curriculum; c. Use of the curriculum for the purpose of third - party reimbursement so long as no profit is made on this specific effort by the party delivering the lifestyle change intervention or administering these curricula as it is described above, for third - party reimbursement.

The most confident conclusion that can be drawn from this literature is that unions increase the costs of education, apparently by an average of 8 to 15 percent - and without (as far as can be determined) a corresponding increase, or any increase at all, in school quality.

In a people business like education, it's next to impossible to cut costs without letting some people go.

While nearly every American family struggles to keep up with the incredible cost of college education, those without access to financial aid face a dark future.

As I've pointed out before, the trick to writing an article blaming special education is to mention a high cost for educating certain special education students (or even a high - sounding aggregate figure) without putting in perspective how much money that is relative to the entire school budget.

Instead, it focuses on three specific challenges that are often encountered when districts, especially small districts, grapple with the costs of their highest - need special - education students, and it makes three recommendations that districts and states could put into practice today, without waiting for reforms or help from Washington, as they seek ways to mitigate those problems:

Health - care costs are highest for those with the least education, so the brief calculated savings by looking at lifetime Medicaid costs and health expenditures for those without insurance and the number of students who drop out of high school.

But even without a clear cause, the new analysis emphasizes the payoff to public funding of ECE, suggesting its potential to mitigate the high costs of special education and of dropouts and other poor educational outcomes.

But how odd and dreamy it seems to single out preschool alone, as Ridley does (and as the Copenhagen group gives him a basis for doing) as having this fantastic benefit - to - cost ratio without considering the education continuum into which it must fit if it's to make any lasting difference in the lives of kids — or, for that matter, the world.

Without the cost of commuting or the cost educational institutions need to pay to preserve their utilities, achieving an education is now easier for those who can not afford to go to university or college.

Topics included; getting a grip on rising costs; gauging value for programs and courses; paying good teachers well amidst cost constraints; personalizing education without breaking the bank and making costs part of everyone's agenda.

MMSD should not enter into a contract with DMGroup because their approach is focused on reducing costs without necessarily meeting the needs of all special education students.

Assertions that «Choice costs too much» (Commentary, Jan. 11, by Chariho Superintendent Barry Ricci) question the value of charter schools without honoring their many contributions to Rhode Island public education.

The cost of education without the donation subsidy would now become the tuition.

Without the OIR, the schools struggling to catch up to the digital transition may face higher digital content costs, preferential service fees, and less education technology innovation.

Special education students are entitled to «free and appropriate educational services in the least restrictive environment» and a complex web of federal and state laws largely mandate the services that districts must provide to these students, often without consideration of the costs involved.

It is another formula patched together for political and budgetary reasons without sufficient research about the diversity of student needs and the actual costs of an adequate education.

But his education remarks give the impression of a candidate who wants to be for big change without actually incurring the political costs inherent in that enterprise.

«The governor's proposed changes to ECS and special education funding, coupled with his proposal to require towns to pick up one - third of the cost of teacher pension costs, will make it impossible for small towns to fund education without staggering increases in local property taxes,» said Betsy Gara, Executive Director of the Connecticut Council of Small Towns.

But without effective and meaningful reform, the cost of innovation that never takes place in education is incalculable.

Vouchers and voucher - like «education savings accounts» similarly reduce per - student funding for public school systems without providing relief on fixed costs.

We hoped the governor would learn from states like Maryland and Pennsylvania, which achieved comprehensive school funding reform, without a court order, by carefully identifying the components of an adequate education, then assessing the cost of those components.

Your compliance with this SBAC test will maintain the lie that our schools are failing while ignoring the reality that the government's Education Cost Sharing formula has been underfunded since its inception, thereby leaving more impoverished communities without equitable financial resources.

Through agreements with top publishers like Macmillan Higher Education, Oxford University Press, and more, Coursera is working on creating free digital textbooks for its course participants for the duration of the course; participants who want to own the digital title for referencing without a timeline will be able to purchase low - cost ebook editions.

Certain exemptions — education expenses, first - home purchases and petitioned hardships — allow you to draw money early from an IRA without penalty, but early withdrawals from a 401 (k) will likely cost you even if you meet the exemption standards.

They own more of their home faster with this kind of mortgage and can then begin to consider the cost of higher education for their children without having a mortgage payment to make as well.

The USDA estimates that it will cost $ 233,610 to raise a child born in 2015 — without the cost of a college education.

Low - cost: Because they are a nonprofit organization, consumers can seek counseling and education without paying exorbitant fees.

That would certainly reduce the cost of education, because virtually no - one would be able to afford to pay the high fees without a student loan, but that would probably also mean that a lot of deserving students could not go to school.

Four categories of student debt - a federal loan, a loan that's part or fully from a nonprofit institution like a school, a private loan used for qualified education purposes (namely, the cost of attendance to an eligible institution), or a loan for an «educational benefit» — can not be discharged without proof of «undue hardship.»

Certain qualified expenses — such as higher education costs, purchasing a first home, and health care expenses — can be withdrawn from contributions or earnings without penalty at any time.

Because of the high cost of attending college today, for many individuals the most important part of the process is getting money for college without bankrupting their family to pay for their education.

Student loans are often very low interest loans which allow you to spread your costs of education over a long time without incurring too much interest.

With the cost of a post-secondary education rising each year, most people can't afford to attend university without the help of student loans.

Every bit truly does help, and the generosity of donors such as Pfizer and AVMF helps get me closer to my goal of becoming a companion animal veterinarian without having to worry as much about the increasing cost of my education.

«With your support, I am able to advance my education in this profession and continue learning what I love most without having to be concerned regarding the cost of paying for school.»

It seems to me that whenever we talk about litigants without counsel, the conversation inevitably veers toward the delays, costs and other inconveniences such litigants impose on court and counsel, and the sort of public legal education that might be provided to smooth the stormy seas.

The millions of dollars we spend on public legal education produces correspondingly valuable resources, without a doubt, but those resources can not equip litigants to comfortably and competently manage the system — especially those unable to devote themselves to the full - time study of legal processes, those whose first language is not English or French, or those with cognitive or functional impairments — and, as a result, whenever we talk about litigants without counsel, the conversation inevitably veers toward the delays, costs and other inconveniences such litigants impose on court and counsel.

Judge Kaye's career path exhibits an under - appreciated aspect of evening or part - time legal education — it gives those with other opportunities and abilities a chance to explore the law without the opportunity costs.