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Illinois offers a unique collegiate experience in a wholesome, Midwestern environment. Illinois colleges and universities combine technology, facilities, and qualified instructors to immerse you in a culture of learning.
The state of Illinois boasts a diverse system of 9 public universities at 12 campuses, 48 community colleges, 97 independent not-for-profit colleges and universities, and 35 independent for-profit institutions. The Illinois Board reports that Illinois has the third largest community college system in the nation.
Another quality feature of Illinois colleges is the regard the state’s employers have for its graduates. According to the Illinois Community College Board, more than 80 percent of Illinois employers have hired a community college student in the last decade. Also, nearly 30 percent of Illinois employees have completed a credit course at a community college in that same time period.
Illinois Universities: Home to a Diverse Student Population
One benefit you’ll find at colleges in Illinois is diversity. Study Illinois reports that Illinois colleges accept more than 25,000 international students every year. Here are some other notable enrollment statistics cited by the Illinois Board of Higher Education:
Enrollments at public universities increased by 1.2 percent in fall 2009 to 204,469
Community college enrollments increased 6.4 percent to 380,025
The number of students at private institutions increased 3.1 percent in the nonprofit sector, to 231,379 Enrollment at proprietary institutions grew by 1.4 percent, to 77,032
There were 8,936 Illinois students enrolled in out-of-state institutions with operations in Illinois
Cost of Attending Illinois Universities
You’ll discover that colleges in Illinois are in-line with the national averages with respect to tuition, room, board, and fees. The College Zone, a partner of the Illinois Student Assistance Commission, reports the following average tuition and fees for Illinois colleges and universities:
Public community college: $14,637
Public four-year college: $20,339
Private four-year college: $40,476
The average full-time college student pays only $2,521 per year in tuition and fees for training in over 300 different careers. Financial aid opportunities are available for you to use at colleges in Illinois based on need and academic merit.
Prospects for Graduates of Illinois Colleges
The U.S. Census Bureau reveals the state’s 2009 population estimate at 6,593,587–fifteenth in the nation–and the state’s major city, Chicago, is a cultural and business hub in the Midwest. Illinois’ main industries include biotechnology, health care, finance and tourism. Median income in the state was $65,401 in 2008. Outside of class, students can enjoy a rich cultural scene that features a range of professional sporting events and a thriving nightlife.
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Finding cheap Illinois homeowners insurance is key whether you are a new home owner or you have lived in your home for years and years. A cheap IL home insurance rate is after all just one more way of being able to save your money for fun things like vacations, new cars, and going out to eat. After, why pay more than you need to for something as boring as insurance?
The state of Illinois might not be one of the biggest in area in the United States, but it sure has a lot of people. With an estimated 12 million residents, the demand for Illinois homeowners insurance is quite great. However, people don’t just want any kind of policy, they want a cheap one! There are many things you can do in order to save money when it comes to saving money on your IL home insurance policy. Below you will find the many tips given to customers and how they act in saving you money on that policy you need.
Safety Features And Cheap Illinois Homeowners Insurance
Whether it is a life insurance policy, homeowners insurance policy, or auto insurance policy; the entire insurance industry values safety. This means that if you show the company at the time of getting a quote that you are an individual that tries to prevent anything harmful that may come about unexpectedly, they will typically give you a better price for the policy.
One way of lowering your coverage is to put smoke detectors and sprinklers in the inside of your home in case of fire. It is true that every house comes with smoke detectors and some of them come with sprinklers nowadays, but the more you add, the more your cost will be lowered by these features.
You can also prevent theft of your personal property (something that is covered under every homeowner’s insurance policy) by placing alarm systems in your home. There are many companies that offer different ways to protect your home from thieves and purchasing one of them might not be a bad idea if what you want is cheap Illinois home insurance.
Yet another way perhaps a little bit more out of the ordinary to cope with anyone trying to enter and come out of your house is to put locks on the windows. Although this might lower your cost, you might want to reconsider because in case of a fire it will be harder for your family and yourself to escape the dwelling; but nevertheless, this also works in lowering your price.
Shop Around For Cheap Illinois Homeowners Insurance
This might be perhaps the most important tip for lowering your Illinois homeowners insurance cost, simply because the more you do your homework, the more chances of finding what you want. You can either go and visit local agencies in person and ask them about the many things that they have available (such as the types of coverage and the many exclusions that they may have in their policy) or if you are a technology person you can do it online.
If you visit them in person you will be able to ask the agent for specific discounts that they may have and ask him or her about the IL homeowner insurance industry. If you do it online you will have to do this things yourself, but you will be able to do it much quicker and retrieve quotes from each website in a matter of minutes. After all, isn’t a few moments spent doing research worth it to find a low cost Illinois homeowners insurance policy and save yourself $100’s or even $1,000’s over the course of a year?
Your Claims History And Cheap Illinois Homeowners Insurance
You may be familiar with what an Illinois homeowner insurance policy covers and the things your must do in order to get reimbursed. One of the things covered by many home insurance policies that people use repetitively is the possession coverage. This covers your possessions all over the world and the insurance company will just give you money for them. Many other insurance companies have a thing called the “accidental disappearance” coverage. What this does is simply give you money for an item that you may have lost during traveling or just out of the blue.
If your company offers you any of the things mentioned above it is better to not claim things that you can just pay out of your pocket. A reason for this is that the more you claim, the more the insurance company will be paying out of their pockets. Claims lead to higher prices in any insurance business out there and if you start setting up claims for every lost item of yours, you might be headed toward a bad road on your cheap Illinois home insurance quest.
Having health insurance with a carrier that pulls out of the market can be a scary thing. But knowing what your options are is the first step in solving this problem. Families get concerned when they think about their children not having Illinois health insurance coverage. They want to know details as soon as possible.
On October 28th, 2009 Unicare announced that they were no longer going to be selling new business in the state of Illinois and be completely pulled out by year’s end. This is going to affect about 180,000 people in this state that had a Unicare Illinois health insurance policy. The first thing a lot of people do when they hear or receive news of this nature is panic. A lot of different questions run through their minds.
• What are my options?
• What do I do now?
• I have a health condition and I’m uninsurable, what now?
Sound familiar? Needless to say these are all legitimate concerns. This is probably one of the most important decisions a family can make.
Illinois insurance companies are regulated by the Illinois department of insurance. They keep in contact with insurance companies making sure that the insurance companies are not only doing everything by the book but also making sure that the Illinois health insurance carriers have enough reserves built up to cover possible claims in the future. This is not necessarily why Unicare decided to pull out of Illinois. It could be any number of different reasons. Suffice it to say though, that this decision has been made.
Typically when an Illinois health insurance carrier makes this decision that Illinois department of insurance jumps in and helps negotiate a solution for the customers affected by this. Usually another carrier decides to take over the block of business from the carrier that is leaving and customers do not have to qualify for it or go through underwriting to be approved. This is done automatically without the client having to do anything. This is what will be happening in this case. These customers will be able to go over to BCBS of Illinois. Sometimes the plan design doesn’t match up 100%, but BCBS will offer similar benefits and rates in most cases.
If you are not happy with the carrier that would be taking over the business, you could of course shop for a new policy with another carrier of your choice, but you would have to go through the underwriting process.
Although this seldom happens, it is good to know that it is well taken care of and the risk to the clients is minimal at best. But is does in force the idea of finding a company and a plan design that is a good fit for your family’s needs. Also a good reason why it is so important to work with an agent that specializes in Illinois health insurance. They will be able to give you the choices that are available to you and help you through this situation.
Central Illinois is an area rich in cultural activities and
business opportunities. The quality of life experienced by
the residents of the numerous close-knit communities is
second to none. Citizens in the central Illinois area are
encouraged to participate in the many public events that
take place throughout the year. Business development and
opportunities are among the best in the country and there
is no shortage of top quality public services and
Buying a central Illinois house will be an investment in
your future. The real estate market in the area is booming
and property values are continually on the rise. If you are
searching for a house in central Illinois, there are
experienced Realtors available to assist you with every
aspect of buying a new home. Central Illinois is a
wonderful area in which to raise a family or start a
business. The local economy is quite competitive and
supports a wide range of industry. Local governments are
active in recruiting and expanding local business and the
educational opportunities are outstanding.
There are many choices in real estate if you are planning
to purchase a house in the central Illinois area. No matter
the price range you have in mind, a central Illinois
Realtor can assist you in locating the perfect house that
will suit your lifestyle and your budget. Diverse
neighborhoods and quiet rural properties give you numerous
choices and you are almost guaranteed to find just the type
of property you have in mind.
Owning a house in central Illinois will be a great
investment due to the increasing property values. A house
you purchase today will surely be worth more with each
passing year. Contact a central Illinois Realtor and you
will be well on your way to finding the perfect house in
the perfect neighborhood. Whether you are looking for rural
property or a home in one of the many charming communities,
there is a central Illinois Realtor that can assist you
with all your needs.
This is an amazing Illinois grant for any Illinois veteran, currently enlisted or getting out of the military, who wants to go to school! 120 Semester Hours are paid for with this Illinois grant, and it has a decent GPA requirement in order to maintain your grant eligibility. Veterans must be a resident of Illinois within six months both before and after 1 year or more of active service or who served on federal active duty service in a foreign country during a time of hostilities in that country, and received an honorable discharge. When it comes to tuition assistance, this Illinois grant is by far the best in the country!
This Illinois grant program pays eligible tuition and allowable fees. While benefits are limited to use only at Illinois public colleges or community colleges, qualified applicants may use this tuition assistance grant at the undergraduate or graduate level for the equivalent of four academic years of full-time enrollment! Illinois Veteran Grant units are based on the enrolled hours for a particular term, not the dollar amount of the benefits paid, so there is a cost savings opportunity if you want to save the state some money.
If the recipient fails to enroll within this Illinois grant program for another term of a regular school year (not including summer), unless for reasons of being called to federal active duty service, only tuition and any mandatory fees will be paid during future periods of enrollment. Basically, they want you to stay focused on completing your course work, so that you can complete your degree program.
To be eligible for the grant, you must have served in the armed forces, which is inclusive of the reserves and Illinois National Guard, for at least one year. If you are no longer serving within the armed forces, you must have received an honorable discharge. (ROTC members are not eligible for the grant.) If you do receive benefits from the Illinois Veteran Grant while serving in the armed forces, you must verify upon discharge that you did receive an honorable discharge. Anything other than honorable will require that you refund awarded grant funding back to the state.
You must also have been an Illinois resident before entering active duty, or be a student at an Illinois state funded college or university prior to entering service. If you were not an Illinois resident or a student at an Illinois college or university prior to entering service, you must establish or plan to establish Illinois residency within six months of your discharge from the service. Spouses of military services members can also apply, but the husband or wife serving within the military must have met the residency criteria mentioned in this paragraph as well. They must either have been an Illinois resident or student prior to entering the service, or plan to become an Illinois resident within six month of their discharge from the service.
Student performance, as well as financial responsibility, requirements are also essential to receiving the Illinois Veteran Grant. You must first not have defaulted on any student loans, nor owe a refund for any federal or state provided grants. Secondly, your grade point average must be maintained above the minimum GPA requirements for the school that you are attending as well. If you received benefits
How to Apply
You can obtain an IVG Program application from your college’s tuition assistance or financial aid office, or the Illinois Department of Veterans’ Affairs field offices. Submit your complete application and required documentation as specified in the instructions. In order to ensure that your application is processed in a timely manner, be sure to carefully read the instructions, submit all required documentation, and contact a tuition assistance Counselor if you are uncertain about what documentation is needed.
Illinois Student Assistance Commission(ISAC) will send qualified applicants a Notice of Eligibility. It is important to keep a copy of the notice in order to present a copy to the college as needed. You must notify your college’s financial aid or tuition assistance office of your eligibility status as soon as possible, but not later than the last scheduled day of classes in the term for which a grant is requested.
Every kind of event taking place in the United States is governed by a set of laws to make sure all is fair and legal in the world of human civilization.
Just as drivers on the road have their own set of standards that must be followed for a safe and legal driving experience, so too are car dealerships subjected to various laws dictating how car sales are to operate.
First, there is the Illinois Lemon Law whose main provision is protecting the car consumer from buying and thus having to deal with a brand new but defective vehicle. Though other states have lemon laws covering used cars, the lemon laws in the state of Illinois only apply to new cars that were bought within the state’s boundaries. New RV’s, new vans and light trucks under the 8,000 pound limit are also included in the Illinois lemon vehicle laws.
Under the stipulations of this law, a leased car is treated the same as a new car. Therefore, all Illinois car dealers recommend to their buyers that even if the vehicle they are interested in is leased instead of purchased outright, it is still just as important to keep careful documentation of repairs or problems had with the vehicle in question. This way, the consumer is then able to enjoy the full coverage that the Illinois lemon vehicle law provides to the state’s new car consumers.
Illinois also has strict requirements for those seeking a license to be able to sell motor vehicles.
To start, the applicant must prove that none of the individuals who hold more than ten percent of the company has violated any of the major vehicle laws more than one time in last three years. Such laws include the Illinois Vehicle Code Anti-Theft Law and the Illinois Vehicle Code for Dealers, Transporters, Wreckers, and Rebuilders.
Similarly, the Illinois car dealer also must not have more than two violations per year for the legal provisions that include: The Consumer Finance Act, The Illinois Wage Assignment Act, The Consumer Fraud Act, and the Motor Vehicle Retail Installment Sales Act.
In addition, any person that is intending on becoming a motor vehicle dealer in Illinois must first undergo a complete background check for his criminal history, including a fingerprint session where the fingerprinting receipt must be attached to the dealer application before the Secretary of State will issue him his business licensure.
Dealers of used cars have one other provision with which they must comply in order to legally conduct their business in Illinois. The owners of this type of motor vehicle business must fill out the extra documentation that discloses the rebuilt status of any previously owned vehicle on their lot so as to ensure that no laws are broken and no type of crucial information about the vehicle is left out of the transaction between the dealer, the buyer, and the Secretary of State who’s in charge of maintaining the business.
There are also Illinois car dealer laws centered around the way the car selling business itself is conducted. For example, there are special dealer-assigned plates that each new or used car on said dealer’s lot must contain before the vehicle can be put out for a test drive or a sale. And for those dealers who are selling both new and used cars, the rules state that the used cars must be parked in a separate area than the new cars or else the dealer is once again breaking the law.
Exploring the Heel of Illinois or I Don’t Even Know Where I Am We had a destination when we started. It was the blue grass festival in Bean Blossom Indiana. This year was special because it celebrated the 100th birthday of the father of blue grass, Bill Monroe. We had attended once before but never camped so we picked a large open field hoping for some peace and quiet. This property used to be Bill Monroe’s home and farm where he lived and enjoyed making music with friends and fox hunting. We followed the bright sound of strumming banjos and guitars to the stage. Soon we were taping our toes and reminiscing about the songs our grand daddies sang even though we grew up in Indianapolis far from the hills of southern Indiana. Dr. Ralph Stanley topped off the evening with his rendition of “Oh Death, Won’t You Spare Me Over for Another Year,” made famous in the movie, Oh Brother Where Art Thou? We made our way to our tent at about ten o’clock and lay down for a peaceful sleep. Unfortunately the kids on golf carts had other ideas. They were still racing around the field, revving their engines and shining their headlights into our tent when I finally looked at my watch. It read a shocking 2:30 a.m., and we pulled up our tent stakes and headed for Nashville, Indiana and a Comfort Inn were they were doing an audit and couldn’t access the computer. We finally got to sleep around three in the morning.
The next day we were on our way to New Harmony a place where the Rappites and Owens had tried to establish Utopian societies in the 19th century, to visit my friend, an artist who paints subjects from the nineteen fifties and architecture along old highways like US 40 and Route 66. Serendipitously she found an old drive-in restaurant on state road 66 and converted it into a studio. We enjoyed seeing pictures of James Dean, Hank Williams, women in full skirts and high heels ironing with their new Steam-o-matic’s or admiring their snow white electric washing machines or ranges. One couple danced around the kitchen in front of their new refrigerator looking like they had just returned from the prom. Giant ice cream cones atop tiny restaurants promised relief from the summer heat with no worries about fat or calories. No worries about Chesterfields or Lucky Strikes either. No worries period. Just the promise of suburban bliss or Utopia 50’s style.
It is then that we strayed from the beaten path by crossing the toll bridge just a block from my friend’s studio across the Wabash into southern Illinois. Here was a different world which we had unsuspectingly entered into the previous evening when we went to hear a folksinger in Grayville. Everything seemed fine if a bit surreal. He sang of a minor league baseball player who spent time in Lynchburg and ended up with a pinched nerve. A few songs later he launched into “South of Solitude” about entering into the labyrinthine roads of southern Illinois and getting lost resulting in the lyrics, “I don’t even know where I am,” and ending with the lyrics, “I don’t even know who I am.” We didn’t know it then, but we would soon live the song. There were a grand total of nine or ten people in attendance, four of whom were some young German guys not paying too much attention to the singer. We weren’t too surprised to see them as southern Indiana abounds in descendents of German settlers and German restaurants. Travelers are never too far from a good sausage and sauerkraut dinner. But here in Grayville the waitresses seemed quite surprised and happy to see them as they actually spoke German and were young and not too hard on the eyes. We found out that they were in town to work in the coal mine for eight days and were enjoying some Grayville nightlife. The singer ended with some Dylan songs and his friend accompanied him on the harmonica. “That’s what you get for Loving Me” seemed appropriate to end the set, and the German guys smiled and said goodbye in English.
The next day, at the suggestion of my friend, we ventured across the bridge again following a vintage Airstream travel trailer, which again lent an air of the fifty’s, into surreal southern Illinois again to see the Garden of the Gods. We had seen the one of the same name in Colorado Springs and were not expecting much by comparison. But we were pleasantly surprised by the beautiful and strange looking rock formations in the Shawnee National Forest. The wilderness area is over three hundred and twenty million years old and includes over 3,300 acres of beautiful old growth forest. The sediment rock in this area is over four miles deep and the fractured bedrock has created some interesting rock formations that represent various objects like anvils, camels, and mushrooms. Next we traveled south to the Ohio River and saw Pirates’ Cave at Cave in the Rock. Two riverboats had been built and had burned here, but now there was only the ferry taking cars and trucks across the river at no charge. As we reached the Kentucky side of the Ohio River, a truck with an oversize load in the form of an earth mover was waiting to board the ferry. We were glad we had crossed in the company of small cars.
A few months ago, we highlighted how Illinois was broke and that it would soon be the first state to have a junk bond rating. After all, the state has gone over two years operating without a budget.
The state is in shambles, running up $15 billion in unpaid bills, and according to CNN Money Watch, Illinois’ unfunded pension liabilities increased 25% in one year to over $250 billion.
In an attempt to raise revenues, the state officials did what all politicians and bureaucrats do, they raised every form of tax and fee possible. In fact, their proposed solution to overcome their $6 billion budget deficit is to raise taxes by $5 billion, or $1,125 per household per year.
The problem there is that people are leaving Illinois in droves. In 2016, almost 90% of all Illinois counties saw their population shrink. For the third year in a row, Illinois leads the US with the number of residents leaving the state. The population of Illinois is now the lowest it has been in a decade.
It is not just residents that are leaving, as businesses say they are being hit with a perfect storm of regulations and tax hikes this summer, putting a damper on hopes for business expansion and jobs growth.
“Earning a profit is getting to be a dirty word,” Mark Grant, Illinois state director of the National Federation of Independent Business, told Illinois News Network.
In her frustration with lawmakers, the state’s comptroller Suzana Mendoza stated…
“I don’t know what part of ‘We are in massive crisis mode’ the General Assembly and the governor don’t understand. This is not a false alarm.”
States are not like Federal governments who can print money out of thin air. States are more like real businesses in that they must balance their budgets as there is only so much money and credit available.
Illinois is the canary in the coal mine. It is an early warning that governments have made outlandish promises to workers in the form of unsustainable pensions funds, and these obligations can never be met.
Puerto Rico had a similar scenario a few months ago, basically they were bankrupt. Illinois is the second alarm in the US, and there will be many more to follow.
Politicians and government officials all over the globe have made promises that can never be met. The winners are those who get to collect on those promises right away, while the losers are those who are stuck with the bills long after the politicians have retired on their pensions.
For Illinois, the problems just magnify. By mismanaging their budgets for so long, investors are now fleeing Illinois bonds. This has caused a sharp spike in bond spreads on Illinois general obligation bonds, making it costlier for the already cash-strapped state to borrow.
The state’s pension crisis threatens to burden taxpayers with massive, ever-escalating taxes to bail out a system that is simply not sustainable. And every day Illinois goes without a solution to its pension crisis, the state’s pension debt grows by over $20 million.
The old saying is true – it only takes one buyer to make a sale successful. However, it’s not just any buyer who can make your sale successful. It is a buyer who has the money and who is qualified to complete the sale. Thus, while you only need one buyer, it is important to find the right buyer.
What Makes a Good Buyer?
There are two key factors that make a good buyer. First, the buyer should have the money, or the ability to get the financing required. Second, the buyer should be acceptable to you in terms of what the buyer wants to do with the business. In many cases you will not, and should not, care what the buyer wants to do with the business as long as you are getting a fair price for the sale. However, if there are extenuating circumstances, such as a business that will continue to use your family name, you may be more interested in the buyer’s future plans.
How Your Business Broker Can Find a Good Buyer for Your Business:
Business brokers have distinct advantages over business sellers when it comes to finding the right buyer. Specifically, your broker:
Has a Network of Interested Buyers:
There are more buyers than sellers of businesses and that works to your advantage. Your business broker, is likely to have a network of buyers who are waiting for a particular kind of business to come on the market. If your business fits their criteria then as your broker, they may be able to negotiate a deal with a buyer whom you would not have otherwise known.
Knows How to Confidentially and Effectively Market Your Business:
Business brokers knows that it is important that the potential sale remain confidential. Yet, the business needs to be marketed to reach the greatest number of potential buyers. An experienced business broker knows how to effectively complete both of these objectives.
Knows How to Screen Buyers:
Not every potential buyer who expresses interest in your business is going to be qualified. Most business brokers know what questions to ask to determine if the buyer is seriously interested in going through with the sale and to determine if the buyer has the funds or the ability to get financing that will be necessary to complete the sale. Thus, you will not be wasting time with buyers who will not end up purchasing your business and you can devote your time and energy to qualified buyers.
For these reasons, many business sellers find it advantageous to partner with an experienced business broker to concentrate on finding the right buyer while the seller continues to concentrate on operating the business.
Office space leasing in the Chicago suburbs is a popular choice nowadays for Illinois business owners. Waukegan is a highly sought after locale for business owners who have companies in a wide array of industries. This city is the county seat of Lake County and was estimated to have a population of 88,826 in 2013. Waukegan is located 40 miles north of Chicago and offers big city living in a suburban destination.
What Waukegan Offers Business Owners
Leases are readily available throughout the large city of Waukegan. If you’re wondering why to select Waukegan for your commercial office space, there are plenty of answers to this question. First, Waukegan is outside of the Chicago area but still has a big city atmosphere. This is a benefit to business owners who don’t wish to work in the downtown Chicago area but do want to have access to all of the wonderful aspects of a larger city.
Also, when you choose an office space lease in Waukegan, you will have a commercial lease in a spot that has plenty of convenient features associated with it. You will have ease of access due to various interstates and local roadways going in and out of Waukegan. There are also many public transportation options for those without cars or those who simply prefer public transportation to get around town. In addition, parking is much easier in a city like Waukegan as opposed to parking in the downtown Chicago area.
Business owners who lease an office in Waukegan will be in an area that has plenty of amenities right at one’s doorstep. Dining, shopping, recreation and entertainment options are in full effect in Waukegan. Downtown Waukegan is filled with shops and restaurants. For those craving entertainment, there are many things to do in Waukegan. The Waukegan BMX Track, Bowen Park Theatre and Opera Company, Genesee Theatre, Jack Benny Center for the Arts and more offer an eclectic array of activities for all of Waukegan to enjoy.
Another aspect which business owners are sure to appreciate about Waukegan is that businesses of all types are welcome in this city. There are zoning regulations regarding what type of business can operate where but all are welcomed with open arms. Commercial leases of all types are offered as well. Whether you need a single office for a professional company or a large corporate building to accommodate your corporation, you will find a lease to suit your individual commercial needs in Waukegan.
Find a Waukegan Office Space Lease with Ease
Before you settle on a particular office space lease, speak with a tenant representative. This real estate professional will help you to find the right office building and will continue helping you even after the lease is signed. When searching for office space to lease, make sure to consider all commercial needs first prior to settling on a particular spot. Consider size of the space, cost, parking availability, commercial opportunities, lease terms and more.