Friday, February 27, 2015

New tips to Secure More Scholarship Money for your study

More Scholarship Money for your study in 2016

I understand this is not the time for getting admission in college. This article will help you prepare you for next years. Try these techniques you will sure to get your Scholarship Money for your study.



New tips to Secure More Scholarship Money for your study in 2015

It’s not uncommon to start planning for financial aid in your junior year of high school. Don’t be intimidated or scared-off by a private school -- with need and merit based aid you can actually pay less for a private school than a public one. Do not be afraid to ask questions of your parents, teachers, counselors, or principals. You can also call the college you want to attend. The only stupid question is the one you don’t ask.

The average annual cost to attend a four-year public college is $9,244, says College Board. For out-of-state students, that number more than doubles ($25,770) – and for private schools, it triples ($32,500). And that’s just tuition. Those numbers don’t include housing, living expenses, or textbooks.

Here are some tips and tricks you can use to help fund your college experience.

 New tips to Secure More Scholarship Money for your study in 2015

1. Use free Scholarship websites


These are free scholarship search sites where a student can find financial aid opportunities. There are scholarship search services that do the work for you, but you have to pay for those. Check out the free sites like www.freescholarship.com and www.fastweb.com.

Check out the free sites

Scholarships.com


CollegeBoard.org

College-Scholarships.com

College Answer

QuestBridge

Scholarship America

FastWeb.com

www.freescholarship.com




2. Use FAFSA - Free Application for Federal Student Aid


This is the student aid form that most colleges and universities use to determine a student’s need-based aid, which can take the form of grants or loans. It takes about 30 minutes to fill this out on-line.

FAFSA - Free Application for Federal Student Aid



3. Check locally and offline


Online searches are a great tool, but your odds of winning nationally competitive scholarships might be lower than less-advertised local ones. Check with local businesses and community-oriented organizations in your area: Rotary clubs, YMCA, Kiwanis, and even churches. High-school and library bulletin boards and well-connected guidance counselors might also be able to clue you in.

Be persistent


While there’s a mind-boggling amount of free money out there, don’t expect it to fall into your lap. Do the legwork and keep checking every semester. Some scholarships aren’t available to freshmen or undecided majors, and new opportunities pop up all the time.

Tap your network.


Chances are your friends are in the same boat as you. Talk to them about sharing scholarship resources. In a few minutes you could easily double, triple, or quadruple your list of scholarships. Also, sharing is caring and some good karma is never a bad thing when you’re trying to win some cash. The trick: Trade with friends that have some similar interests and abilities. This way the scholarships you swap will be a little more qualified.

Athletics and Activities Grants


Are you a gifted hockey player or trumpet player? While you may not earn the coveted full-ride to a Division I school, there may be money at your chosen school that fits your given talent: athletics, music, art or theatre.

Religious Scholarships


Many colleges and universities are affiliated with different churches. Check your church and your prospective colleges for opportunities for faith-based aid.

University Scholarships


Contact the universities you want to attend because each school will have unique scholarship opportunities, deadlines and applications. There are many opportunities, but the cliché holds true -- the early bird gets the worm. These scholarships aren’t strictly based on academics. Some are for students who exhibit leadership or involvement in the community or other high school activities.

Specialty Scholarships


Many big box retailers like Wal-Mart and Lowe’s offer undergraduate scholarships, and your parent’s employer may offer scholarship money to employee’s children.

And there are scholarships based on race, gender, academic interest and even geographic location, so there may be a scholarship that fits your special circumstances. Millions of dollars go unclaimed because students do not realize they are uniquely eligible for certain scholarships.

Target scholarships with simple applications.


There are countless scholarships that require nothing more than an easy sign-up. While these typically have slightly smaller payouts, the benefits can quickly rack up with little time investment. The trick: These are usually very popular and attract many applicants. Use the law of averages and apply to as many as you can. Counting on just one could really limit your chances.

Dedicate at least 30 minutes a day to researching and applying.


It’s key to make time for discovering new opportunities and to actually apply to them. The trick: Don’t not burn yourself out. Just devote a small chunk of time each day and before you know it, money will be coming your way!

Reuse your work


Apply for a few scholarships, and you’ll start to see a pattern. Many want the same information, and essay scholarships may touch on the same themes (especially “tell us who you are and why you want our money”).

While plagiarism is a no-no in college, you can’t plagiarize yourself. Save time by keeping documents you can copy and paste from, and use your Web browser’s autocomplete feature so you don’t have to type in your contact info a billion times. Just make sure to double-check everything.

Check non-academic scholarships


As we already mentioned, there are literally billions of dollars in scholarships out there every year. As we covered in 25 Bizarre Scholarships, many don’t require great grades, test scores, or any kind of performance at all – there are scholarships based on everything from your height to a passion for the science behind wine.

Some of them have such weirdly specific criteria that you might win just by being the only person crazy enough to apply. For instance, there’s a scholarship for Catholics named Zolp. (Name changes won’t work.) So don’t sell yourself short when searching.



At last if you can’t get enough aid

Consider starting at a community college, which charges significantly less than a four-year university and lets you finish core courses before transferring to the school you really want. Just make sure your credits will carry over – ask the transfer schools for an articulation agreement.

You could also try applying to some of the cheapest schools in the country, or the tuition-free schools named in this BusinessWeek article. The Consumer Financial Protection Bureau’s new comparison shopping tool might also help.



Some of these scholarships are worth only $500 – not enough to pay for even one class. But every bit counts, especially if the alternative is a high-interest student loan that will take years to pay off. Apply for everything you might qualify for, and there’s no telling how much you might end up with…



•Surname scholarships. What’s in a name? Money. Like the Zolp scholarship, the Scarpinato Scholarship gives you a full ride – but this one doesn’t require a conversion to Catholicism. The name can come from birth or marriage, and it’s valid at Texas A&M University. The name Gatling will grant you $9,000 to $18,000 at North Carolina State. Van Valkenburg and variants can net you $1,000 good anywhere, and several names can put you in the good graces of Harvard, including Baxendale, Hudson, and Bright.

•Little people, tall people, and Klingon scholarships. You don’t need to be tall or a sci-fi geek for these: You need to be really short, really tall, or love language. Little People of America gives out annual scholarships of up to $1,000 to those under 4-foot-10 or members of their families. If none apply, the award may also go to anyone with a disability or someone with financial need; the Billy Barty Foundation has a similar scholarship. Tall Clubs International has a similar scholarship for women over 5-foot-10 and men over 6-2. Meanwhile, the Klingon Language Institute not only exists, but it gives out $500 a year to language students who don’t even need “familiarity with Klingon or other constructed languages.” More Trekkie scholarships are out there too. You can even win a $5,000 scholarship for writing about elves - or drawing them.

•Tasty scholarships. Getting the $5,000 American Association of Candy Technologists scholarship is like taking candy from a baby – or maybe a robot. You need a “demonstrated interest in confectionery technology” along with a decent GPA and at least sophomore status. And beef is not just for dinner, it’s also for class: The National Beef Ambassador Program awards up to $2,500 if you can give great speeches about the merits of cows – a debate with the winners of the $5,000 Vegetarian Resource Group scholarship is not required. Budding wine connoisseur? Junior-level science majors with no gripes about grapes can go after the American Society for Enology and Viticulture scholarship. Heck, you can even win $25,000 for making a peanut butter sandwich – jelly optional.

•Religious scholarships. Take a vow of poverty and, ironically enough, you could win the Monastic Scholarship at Naropa University. Studying American Buddhism at that school could also get you a $2,500 Frederick P. Lenz scholarship. Pagans aren’t left out either: The Carolina Spirit Quest scholarship is worth $500 for such students who live in North Carolina, South Carolina, Virginia, or Washington, D.C. Hindu students studying business can win up to $10,000 with the Rattan L. Khosa scholarship at the University of Chicago.

•Doing-weird-things scholarships. That’s an awfully broad category, but where else are we going to mention $25,000 scholarships for people who dance for a living or $5,000 scholarships for people who wear Duck tape to prom? What about scholarships for people who compete in national marbles contests? There’s $7,500 scholarships for students who drink milk while playing sports, and the Gertrude J. Steppen scholarship for students who don’t drink and don’t play sports. There’s a scholarship for chaste North Carolina girls who live on campus without a car and have no other financial aid. And one that Stacy mentioned in the above video, a $2,000 scholarship for those with a talent for duck-calling.

Friday, February 20, 2015

How I pay off my Home Mortgage Faster (saves thousands on interests)

This is a biggest burden in in any person home spending. So if you can use some tricks this will help you lot in paying off less interest in long run. Of course wanting to be mortgage-free sooner is easier said than done, but there are some tips that can help you reach your goal quicker.

How I pay off my Home Mortgage Faster (saves thousands on interests)


I choose a shorter length of time to repay my mortgage


Look at all your amortization options to see how choosing a 15-year period versus a 20-year period versus a 25-year period will affect your payments and interest costs. Your mortgage payments will be higher, but you'll pay far less interest over the course of the loan. Do this exercise at the end of each mortgage term as what may have worked for you 5 years ago, might not be the best option for you now.

 

 

Another way you can save money in this bad economic times in 2015

 

How I pay off my Home Mortgage Faster (saves thousands on interests)

I always explore refinancing


Historically speaking, today's interest rates are low and if you are concerned about the possibility that rates will increase, refinancing your current mortgage now may help you save money in the long run. Basically, it's a good time for homeowners to consider refinancing when:

•Rates are low and the penalty for breaking your mortgage does not exceed the savings available by switching.

•There are additional savings available above and beyond just a lower interest rate. For example, does your current mortgage offer you the flexibility to make lump sum payments, increase your payments or change your amortization period without penalty? If these are features you want but don't currently have without incurring a penalty then you will want to factor this into your refinancing decision as well.

•You have other, high interest debts (like credit cards), that by consolidating into your mortgage will save you money.

 

I made largest down payment (as I have some extra money)


Fact is, the more you save for your down payment the less you'll have to pay back; not just in the principal but in interest too.



I make more mortgage payments

There are two ways to go about doing this; both will save you some money along the way but one more so than the other. I use second option…

Your first option is to pay twice a month (or whatever frequency works best for you) the total you would normally pay on a monthly payment plan. For example, if your monthly mortgage payment is $1,000 you can opt to make two payments a month of $500 each. You're not paying any more than you have to each month, although you will save a bit on interest by making part of your monthly total payment early.

Your second (and more money-saving option) is to pay weekly or bi-weekly accelerated payments in lieu of one monthly payment. Why does this save you money? Well, not only will you save money on interest like you would with the first option, but it's also a way you might not notice that you actually are making a couple of extra payments each year. Let's say for example, your monthly mortgage payment is $1,000 for a total of $12,000 per year. If instead you decide to pay $500 every two weeks, you'll actually end up putting $13,000 a year against your mortgage.



I always Round up my mortgage payments


Every little bit counts and the more you can pay, the quicker you will pay off your home mortgage. If your payments come out to an odd number round up your payments to a number you are comfortable paying. For example, if your payment is $987 consider rounding it up to $1,000. It's a small enough amount that you likely won't notice but over the long run will help you chip away at your mortgage.


How I pay off my Home Mortgage Faster (saves thousands on interests)

I also pay extra when I got a raise, tax return or a bonus


When possible, view unexpected sources of money as 'found' money and apply it to your mortgage (provided there are no penalties). Since it is money you weren't expecting it likely won't affect your lifestyle in the short-term but will in the long-term when you pay off your mortgage that much faster.



I make extra anniversary payments everyyear


Even if you have a closed mortgage, most home mortgages allow you to make "extra" payments, typically once a year, for up to 20% of the mortgage owed. This money is applied to the principal, saving you money in annual interest costs.



I Avoided Prepayment Pain




Check your mortgage agreement for prepayment (e.g. extra payment) conditions. Depending on the type of mortgage you have, you may be subject to penalties. Before making an extra payment find out if there is a fee or penalty, a required minimum amount, a maximum allowed or conditions on when the payment can be made.



I renewing at a lower rate but Keep my payments the same.


If you're able to get a lower interest rate when you renew, avoid the temptation (unless it's necessary) to reduce the amount of your regular payments. Even though you can pay less, by keeping your payments at the level that you've become accustomed to paying, you'll save more in the long run.



Friday, February 13, 2015

How your Love life will do in 2015 (Free Love and Romance Forecast)

Free and Detail Love and Romance forecast for 2015 (Your Valentine horoscope)?



Wish you all a happy valentine day in advance. This is my new article on Valentine day. In this article you will find how your love life will do in 2015. Love horoscope 2015 is giving you a unique chance of understanding your love life beforehand. With the help of love horoscope 2015, know how your love life is going to be in the coming year. It also offers you advices according to your planetary positions through which you may prevent misunderstandings and arguments. Love horoscope 2015 has been accurately predicted by our expert astrologers. Then, without giving a second thought take a step forward in enhancing your love life. Good luck!




1. Aries Free Love Horoscope 2015 (Mar 21 - Apr 20)


How your Love life will do in 2015 (Free Love and Romance Forecast)

You may be taking a hiatus from putting too much emphasis on your love life until spring, and there's nothing wrong with that. Of course, you're one of the most romantic signs of the zodiac, so this probably means you will put 60 instead of 90 percent of your attention on romance at the start of the year (at least until March). If you're still in the midst of a karmic love tangle, you may be reworking the terms of your union until April. The theme of negotiation in the whole give-and-take cycle continues for another year. Reciprocity is a major theme again. The full force of the love drug returns when Jupiter goes direct in your romance and pleasure zone this April. Enjoy this strong love influence until Jupiter moves into your work zone in August. You'll also have the North Node of fate in your relationship zone until December, so this year is highly significant for learning many important lessons in love. Think of this as the next level of all the relationship wisdom you've tucked under your belt in 2014.

March is one of the sexiest months on record, as you have both Venus and Mars in your stars at the same time. Don't miss out on this super-powered influence of desire and physicality. You'll feel like a total magnet during this time and will have a hard time not jumping headfirst into a new love affair. You will definitely have to fend off your adoring fans during this time, Aries. Spring fever will take on a whole new level of meaning.





If you are incomplete with a soul mate from your past (or your present), use Saturn's brief retrograde phase into your house of sex and intimacy between June and August to get some final closure. Unfinished lessons from late 2014 may also resurface during this time. Consider this summer you opportunity for a sexy little do-over. There are always second chances, darling. You're learning so much about yourself through the lens of love, and you've certainly seen the good, the beautiful, the bad and the ugly -- and lived to tell.



2. Taurus Free Love Horoscope 2015 (Apr 21 - May 20)




This could easily be one of the most romantic years on record, Taurus. It only comes but once every 12 years that Jupiter brings his lotto-worthy luck to your love life. Starting this August, Jupiter graces your romance zone until well into 2016. In late September and through October, Mars will join Jupiter to really get the party started. You will have more energy than you probably know what do with. You're a loyalist by nature, so you will need a partner that can keep up with your libido this year. Your sexual prowess hits an all-time high in late summer-early fall and you're the true embodiment of sex-magic, darling. You've earned this deliciousness after all that you've endured in 2014. You've seen enough trials and tribulations and loss with relationships to last you for the rest of your life. You wear the crown of having learned the hard way to love from a place of strength rather than need in 2014 and this has truly empowered you in the way you mate, date or relate. No longer co-dependent, needy or clingy, you're a true lover in the highest sense.



The Nodes of Fate will continue to teach you about reciprocity and balance in relationships until the end of this year. You are legendary for your stubborn qualities and potential greedy, needy fixed-Earth energy when it comes to taking more and never feeling quite satiated. That said, you are always one to come through on your word and promises and that counts for a lot in this day and age of fickle commitments. However, this year you may feel torn between being true to your independent streak and the ongoing duty and responsibility you feel towards your loved ones. You are looking to break free while simultaneously going deeper in love. This is no mean feat, but if anyone can conquer the impossible with patience and perseverance, it's you!



3. Gemini Free Love Horoscope – (May 21 - Jun 21)




Neither you nor your twin takes kindly to being backed into a corner, Gemini. When it comes love, you like to keep it light and the commitment as open and flexible as possible, for as long as possible. The only problem with that is when you find a total catch and the clock is ticking in the 'maybe' zone. This year the stakes are sky-high. If you haven't already landed your dream twin, you will. And if you're still hemming and hawing with the one that arrived in 2014, expect to go committed or go home (alone). The pressure is totally on because Saturn is taking residence in your partner zone for the next few years, Gemini. The cosmic taskmaster doesn't mess around with the superficial and requires the long-haul dedication. You're being tested on your commitment level and ability to define the boundaries and structures around relationships. If you absolutely don't want or feel ready to settle down, you'll have to define some seriously integrated single-hood for yourself in a way that feels steady and grounded. The point is not to waver or sit on the fence. Try that, and Saturn will most definitely bring you to your knees before the year is finished.


How your Love life will do in 2015 (Free Love and Romance Forecast)
To double-up on this love theme (and you're all about the doubles, Twin star), the North Node of Fate will continue to bless your house of romance again this year. The magic and (possibly obsession) that began last year could easily go to the next level. If you're not in love with a human, this could be your love of a creative project or child. If you're in the market for making babies, you have the support of destiny to help you bring a new child into this world, even if only a creative baby or adoption of a new pet. The choice is always yours, Gemini. The only caveat in the love department is not to lose touch with your friends by putting all of your eggs in the love basket. Your social circle is starting to miss you and your buddies could totally use some quality time before another year goes by. Finding the balance is never easy or fun, but friends are everything.



4. Cancer Free Love Horoscope (Born 22 June to 22 July)


Your love life continues to be crazy passionate and transformational, but thankfully this year some of the darker drama should be lighting up a bit. You've definitely had your fair share of facing your demons and fears in the love department. The only exception to this new 'moving on' phase of 2015 is when Saturn comes back for one last hurrah between June and September. If there is any unfinished karmic romance business, expect to settle the score. Hopefully this last and final pass of Saturn through your love and pleasure zone will be a beautiful and intimate resolution and closure with a past relationship or creative project. If you've said your long goodbye in peace and with love, you will feel like the final cord can safely be released without all of the pain and anguish that usually accompanies endings. Your new focus is on expanding your horizons on a daily basis, rather than getting sucked into all of the heaviness of co-dependent relationship patterns. If an issue with a child and your beloved has been a source of stress or pain, this too will be softening over the year. The point is to find more freedom and balance in your relationships in 2015. The North Node of Fate will continue to unleash powerful teachings around reciprocity and equal partnering. With your caring and compassionate nature, it's all too easy for you to fall into the role of caretaker. This can get old and exhausting if you're not allowing your own needs to be met in the process. The one-sidedness is totally shifting as you remember to find your own voice and needs in your relationships this year.

You'll have a chance to really revamp your entire approach to relationships when Venus goes retrograde this summer. Pay close attention to how your communication style reflects your M.O. in getting your needs met. Do you ask directly for what you need, Cancer? If you catch any passive-aggressive or manipulative tendencies in your love romantic dynamic, this is the year to clean all that up. Get clear with yourself so you can be clear with those you love most. You’ll feel like your relationships are moving forward with fewer obstacles and challenges after September 25, when Pluto goes direct in your partnership zone through the end of the year. It's all about integrity in partnering, Cancer. You've learned loads since 2008 -- and yet there is still so much to learn!



5. Leo Free Love Horoscope 2015 (Born 23 July to August 22)




The royal treatment continues, Leo! You still have the glorious power of Jupiter in your sign for the first half of the 2015, so go ahead and rock that joie de vivre that you rock so well. As sad as it may seem to part ways with the generous abundance of the big jovial planet in your sign this summer, you can take comfort knowing that the second half of the year will bring you luck and abundance in the financial department. It's a win-win all the way around for you this year, Leo. The other positive shift is Saturn finally moving out of the basement of your horoscope after a few years of family sludge. You've had your fill of the heavy feeling in your gut that showed up at the end of 2012 and has found a way to both anchor if not depress you for the past few years. Family, domestic issues or loss that have weighed heavy are starting to lift now.

The new phase of Saturn is bringing attention to your house of pleasure, love and creativity. Now that's not a bad thing to take seriously. It's also your house of children, so if you've been considering having a child or giving birth to a new creative project, this could be the year that you truly commit your time and energy to making it a reality. Communication continues to be a major area of work and focus. All of the lessons you learned last year around the importance of humility and diplomacy in your interactions will come in handy. You're becoming a master mediator and may find yourself in the middle of some interesting disputes this year. Your gift for graceful gab serves you well in 2015. Don't be surprised if you end up in public speaking positions or get asked to put your voice and your message out there in a major way. If you've ever considered taking classes on public speaking and media, this is definitely the year to take your natural talent to the next level. The Nodes of Fate are supporting you, especially around the total lunar eclipse in Libra this April. The first quarter of 2015 involves a lot of reworking of expansion and dreams that you started in 2014. By April, Jupiter will go direct in Leo and you'll be ready to seriously pounce on the competition. July is an especially glamorous month as Venus joins with Jupiter in your sign. Love, beauty and money are in crazy abundance at that time, so be sure to spoil yourself and your beloveds rotten. You'll still be in the process of reworking your daily schedule and health regime, but that's been in a work in progress since 2008.If you have felt impatient with getting the big shot results you want, trust that everything is falling into place throughout the year. You'll start to see this reflected in your finances when lucky Jupiter moves into your money zone in August, starting a year where your income potential should totally skyrocket. The only caveat to this fabulousness is that you're also more likely to blow the bank with your overly generous ways.

 

 

6. Virgo Free Love Horoscope (Born August 23 to Sept 23)




Romance is yours for the taking in 2015, Virgo! You're kind of the 'it' human for the second half of the year, when the god of fame and fortune sets up camp in your stars from August onward. There are many twists and turns, and perhaps even deja-vu to this year's love map. Venus will go retrograde in your sign in late July, causing you to recreate and revisit everything you thought you knew about love and partnering. In fact, you may literally find yourself reuniting with an old flame (or at least an old theme involving an old flame) to get the lessons right this time around. There can never be enough second chances in love after all, wouldn't you agree? Venus retrograde could bring up a tremendous longing for the love that was the lost or never found this summer, so be sure to fill your world with as much art, adventure and soulful immersions as possible so that you don't get lost in the world of 'if only’ s' and dire wanting for something just out of reach.



How your Love life will do in 2015 (Free Love and Romance Forecast)

On a more active note, Mars and Venus will be making a sexy conjunction romp in your stars this September. The first half of the year still promises secretive or foreign yet incredibly glamorous opportunities for love and adventure. Most notably, September and October prove to be incredibly busy in the love department, complements of Mars and Jupiter both firing up your sign at the same time. There is a partial solar eclipse occurring in your stars during your birthday month as well, so expect a lot of sudden revelations around relationships and self-knowledge that blind-sides you in the best of all possible ways. All is changing in love and beyond, but it's all to catapult you to the next tier of fabulousness. The plateau was getting lonely, boring and all-too predictable. You'll continue to pursue the seemingly impossible balance between solitude and connection, but with unexpected success this time around. You were able to work out a lot of the kinks that kept you stuck on one extreme end of the selfish versus selfless spectrum versus the other. Finding the middle ground of being related and not losing yourself and your precious hermit time is the key to your romantic bliss. Don't give up until you've gotten this formula as perfect as possible. The Nodes of Fate will aid you on the quest all year long. Just keep reminding yourself that it's a process and you're never truly alone, Virgo.


 

7. Libra Free Love Horoscope (Born Sept 24 to Oct 23)


Your romantic life continues to take major priority in 2015. You may have already felt like your mind hit the overkill switch on it last year with all of the hard-earned lessons. Keep the faith though, darling, because all of those experiences, rumination and obsessions are showing what you want and don't want. You've hopefully nipped a lot of co-dependent patterns in the bud last year, but if not, don't worry. 2015 is your chance to get it right. This is your last year to really and truly reclaim your power and essence in your relationship dynamics. The part of your personality that avoids confrontation at any cost is in a total reformation. You're learning the art of assertiveness and even a little bit of rebellion in your love relationships. Of course, you'll always finesse even the most discordant situations with beauty and grace. The difference is that you're no longer worried about speaking your truth for fear that someone will leave you. You've come to realize that a relationship that isn't battle-tested isn't worth compromising for. You've got to have a strong voice in the partnership for your Scales to be balanced this year. Saturn will not permit anything less as he works on your communication zone for the next two-plus years. Truth serum is your medicine going forward, Libra. Your ruling planet and lover of beauty (Venus) will be meeting up with sexy Mars at three different intervals throughout the year. In late February, the two will have a romantic merger in your relationship zone, so expect fireworks to fly. The entire year is charged with this powerful dance between your masculine and feminine energies. Knowing when to be a lover and when to be a fighter is the key to your romantic success this year. You tend to cling to peace at any price, but that's all changing now that you see how sexy self-esteem and just the right amount of tension and resistance can be. A total lunar eclipse in your stars in April could take your romantic world to the next level. Relationships will either speed up, blow up or get rebalanced in a rather dramatic and destined way between April and your birthday. Jupiter will continue to grace your social zone until August, so you could meet your next important relationship via a friend, or even a friend of a friend. If you're on the market for a new love, try not to turn down any party invites this year. It's very possible that the next romance could show up at a gathering, and always when you least expect it and aren't looking.



8. Scorpio Free Love Horoscope (Born Oct 24 to Nov 23)


You may be more concerned with your career than relationships this year, but that won't stop the love and desire from happening. It's just that you're so immersed in building your success that any potential lovers or suitors will have to take a backseat to your other more pressing priorities. That's not a bad thing, actually. This will create the balance you so need. Desire, sex and passion will always play a major part in the life of every good Scorpio. Nothing can take that away from you. It's just that this year, you'll finally realize that your power source comes from much deeper roots within. Projecting your creative power onto another is so 2012. You're ready to step into your God/Goddess self. By doing so, you'll only improve your romantic life because you'll no longer be giving your power away. You learned this the hard way over the past few years. 2015 is about standing in your strength and magnetism. You're truly a seductive presence to be reckoned with and you're finally starting to own this.



Your ruling planet, Mars will be meeting up with the love planet Venus on several occasions this year. You're learning the art of integrating your masculine and feminine energies. You like to play rough and battle-test your relationships, Scorpio. Sometimes you expect too much of people and push them too hard. This year, you'll be learning how love is stronger than pride. You can be critical, if not demanding in love, but 2015 is about opening your heart to look beyond the imperfections. We're all flawed, Scorpio, and it's precisely in those less than perfect places that healing happens. Actually when you really love someone, and you know this kind of love, you love despite the idiosyncrasies. The North Node of Fate continues to teach you about the need for conscious reciprocity in partnering. Getting the give-and-take ratio is not something that comes easily or naturally to such an all-or-nothing personality, but when you get the balance, relating is beautiful. You'll be surprised by how much harmony and balance you're able to achieve with your beloved in 2015.The total lunar eclipse in April could speed up some lessons in the partnership domain. You've been mastering the delicate art of giving others the benefit of the doubt. The more Mars-driven and aggressive side of your nature has a tendency to be confrontational and often unforgiving of your partners. All that is softening under the current influence. Ask yourself if your words or actions will bring more beauty to your relationships? If not, is it worth the discord? Yes, it's important to get to the truth, but at what cost to the sweetness of the connection? When you let the little things go (read: don't sweat the small stuff) you're able to preserve the relationship and remember the reason you got involved in the first place.



9. Sagittarius Free Love Horoscope (Born Nov 24 to Dec 23)




You're ready for the real thing, Sag. No more playing the field or hemming-and-hawing over potential suitors. You can see through games and lies, and will spot a waste of time in an instant. You're soaring this year and you cannot have a relationship that holds you back. You've been there and done that. If you're already in a long-term commitment, expect to go deeper or go separate ways by summer. Saturn is pulling the plug on those connections that no longer support your greater vision and more importantly, your authentic self.



If you're still on the quest for your long-term mate, the presence of Saturn in your stars will keep the lightweights at bay. Anyone flaky, manipulative or any variety of loser material shan't come anywhere near your radar in 2015. You're too deep in the game to attract anything less than the real deal. You require someone who promises both adventure and staying power. This might seem like a tall order to some, but if anyone can manifest the miraculous, it's you. You need a partner you not only respect, but who can teach you something. You also need someone who understands your nomadic tendencies and won't try to tether you to mundane reality, or you'll definitely flee faster than you can say 'passport'! The total lunar eclipse in April is in the sign of relationships and will have you really thinking about what you most want and don't want in a partnership. You've been working and reworking your understanding and value system around relationships for several years now, but this is the time you may actually and finally get the clarity you have so desperately been wanting. Mars and Venus will align in your love zone this March, so expect some serious fireworks to fly just in time for a spring awakening.

The planet of love and beauty will go retrograde in the sign of romance in August in your house of long-distance travel. This could easily bring the return of old lovers from abroad or the visitation of a country where you once had a great love affair. In any case, this year will bring plenty of opportunities to know who you are and what you will and will not tolerate in the romance department. Now that you have such a powerful sense of self, (due to all of your hard work and self-reflection over the past few years) you need a partner to match this strength. In fact, you'll settle for nothing less!



10. Capricorn Free Love Horoscope (Born Dec 24 to Jan 20)


The full Moon arrives in your relationship zone right at the start of the year on January 4. This first week will highlight love themes from 2014 that are culminating and perhaps ending now. Relationships are still a huge theme this year, Capricorn. It's all about balance and the never-ending give and take. You tend to be the caretaker and forget the importance in giving back to yourself. This year, you're learning how important it is to take equal if not more time to replenish your own heart. You're also more aware than ever how necessary it is to make quality time for your relationships. Ambition has to take a backseat to your love life to regain the lost balance from 2014. Making your romantic realm the priority will actually sustain every other area of your life, because it will fill you up.



The total lunar eclipse in April puts the focus on partnerships. Peace, harmony and compromise are the continued lessons in love. You're a born diplomat at heart, so you may be teaching there in your life how to get along with more peace and sweetness and less conflict. You've been a bit obsessed around relationship themes, patterns, for several years now, but this is the time you may actually and finally get the clarity you have so desperately been wanting. Mars and Venus will have a sexy collision at the base of your horoscope this April, so you can look forward to a sassy little springtime renewal. Venus, the planet of love and beauty goes retrograde in the sign of romance this August. Expect old lovers to come crawling out of the woodwork when you least expect it, Capricorn. This transit will take place in your house of sexuality and intimacy, so should bring a heightened sense of drama to your love life. If you're tempted to go back to an old flame, make sure this isn't just a nostalgic fancy that will shift again when Venus comes out of retrograde at the end of summer. It's probably just a little summertime reminiscence of romantic days gone by. Enjoy, but best not to remain attached. You're totally ready for the higher love in 2015.

 

 

11. Aquarius Free Love Horoscope (Born Jan 21 to Feb 18)


Your love life is pretty glorious until August, with Jupiter bringing the goodness to your relationship house for the first eight months of the year. That said, Saturn is retrograde between March and August, so trust that you will be tested. Keep it all above board. No games, no manipulation. Imagine every thought, word and action up for cosmic audit, and you'll stay on track.



Even beyond summer, you'll have the sexy influence of Jupiter in your house of intimacy and devilish mergers until well into 2016. Get your romance on before June because Saturn will steal your time away and push back into hard-hitting career mode until September. Mark July 1 on the calendar as a lucky-ducky key date for love. You are blessed with the most fortunate of all planetary conjunctions of the year hitting your relationship zone this summer.

From July 25 to September 6, Venus will be retrograding in your house of sexuality and intimate connections. This could bring back old lovers and ghosts from the past. This could also trigger old fears, insecurities and psychic skeletons that need healing and final release. Don't allow the dark shadows to take over your present brilliance. You're just releasing the past. That's all there is to it. When it comes down to it, you're the true free bird of the zodiac, and God help the partner who believes they can change you. Rock on with your eccentric and brilliant authenticity. If your partner cannot embrace all that is wildly genius about you, this Venus retrograde will show you the way to a more suitable companion. Should any toxic ex's show up during this phase, know you are being tested to let bygones truly be bygones. There is no turning back time, nor would you really want to. Consider the middle zone of 2015 as your commitment test. If you feel any flaky or erratic energy threatening to ruin your flow, consider this your challenge to eradicate them once and for all. By the time this year is finished, you are about as rock-solid as they come. On August 6 Mercury, Venus and Jupiter join up for quite a sexy alliance. There is no shortage of opportunities for passion, intimacy and deep merging. The only question is: are you ready to let go of your fierce independence?



12. Pisces Free Love Horoscope (Born Feb 19 to Mar 20)




There is an incredibly romantic influence bursting on your scene in 2015, Pisces. First off, you've got the glamorous and alluring presence of Neptune in your stars for the long haul. Let your siren call magnetize the kind of loving presence you most desire. If you have been feeling trapped in a negative or all-consuming love affair that has zapped your life force due its toxic properties, Jupiter will likely set you free this summer by shining the light on how much you have been sacrificing in the name of love and relationships. Your discrimination kicks in once again, and you can bid farewell to any co-dependent tendencies that were holding you back from true companionship and connection. Jupiter brings great wisdom to your house of partnering starting in August until the end of the year.



There is a powerful solar eclipse in your stars on March 20 to speed up change. Again, this could be a liberating influence if you're ready to dodge the relationship bullet or it could bring you the magical bullet in the form of a new partner. It all depends on where you stand on the love and partnership spectrum when it hits.



April is especially sensual and sexy with the Grand Earth Trine hitting all of the right places in your horoscope. However, the real love potion arrives in July when the love planet (Venus) meets up with lucky Jupiter preparing your marriage zone for the rose petals and magical love dust to sprinkle your path from August until 2016.



One caveat here is that Venus is going to go retrograde in your partnership zone between July 25th and September 6. This could bring an old partner back from the romantic archives for a reunion or second try. It could also just bring the opportunity to really rework a recurring issue you have in relationships so that you can finally heal and finesse any flawed approaches to harmonizing with another once and for all.



There is so much to be learned in the relationship department in 2015, but the lessons come with lovely gifts. The part of your mushy personality that adores merging could take precedence with the gooey Neptune influence all year long. One of the highlights arrives on September 15 and then again on October 17 when Venus and Neptune come into exact polarity in the sky, hitting the relationship line of your horoscope. How much fantasy do you want in your relationship? Are you projecting godly qualities on to your romantic encounters? Saturn could give you one last dose of a reality check this summer when he retrogrades back into Scorpio between June and September, so try to remain grounded while indulging these romantic dreams and visions. Many may come true as long as you're willing to work with the inevitable disillusionment that comes when the light reveals the inevitable nicks and flaws of the personality. The final quarter of 2015 is the time to really buckle down in the commitment zone. You'll have a powerful Solar Eclipse taking place in your partnership zone in September at the same time that Venus goes direct. This could very well initiate a new or improved serious relationship that manifests between September and March of 2016.Between October 29 and November 1, you'll have a powerful line-up of planets in your relationship zone (Venus, Mars and Jupiter) to bring even more juice to this life arena. The only competition for love is when Saturn takes up permanent residence in your career zone starting in late September. It might be all too easy to let love take a backseat to your professional ambition once October rolls around, so be mindful of keeping a healthy balance. You live for love, Pisces!





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