Archive for Fellowships and Scholarships

Tuesday, March 6th, 2012

The Bernard L. Schwartz Fellows Program – Fellowship Applications due March 15

The Bernard L. Schwartz Program awards fellowships to original thinkers eager to advance a better understanding of policy challenges facing our society. Most fellowships are awarded for a year, commencing in September.

The application process is highly competitive. To be considered for the 2013 Schwartz Fellows class, you must apply by March 15, 2012.

Inquiries should be sent to esser@newamerica.net.

Monday, March 5th, 2012

Mercy Corps Scott Simon Fellowship for the Middle East

The Mercy Corps Simon Scott Fellowship is a 9 month opportunity, offering a professional early on in his/her career the chance to contribute to the achievement of one of Mercy Corps’ FY 2012 strategic initiatives of market driven programs, food security, youth, disaster risk reduction, and gender integration. The Mercy Corps Fellowship is a tribute to the Honourable Simon Scott, a former board member of Mercy Corps Scotland. Simon was dedicated to international relief and development and had a lifelong love of North Africa and the Middle East.

This is an opportunity for a professional from North Africa or the Middle East early on in his/her career to help build communities around the world, alleviating suffering, poverty and oppression. S/he will play an active role in one of the targeted sector identified as a priority in Mercy Corp’s strategic framework and have the opportunity to interact with experienced relief and development practitioners and field leaders. The Fellow may be placed in any of Mercy Corps locations globally but preferably in the Middle East region.

Fellows aspire to become future leaders and innovators in community development and relief work to create a better world. The Fellow will also be able to participate in Mercy Corps’ extensive knowledge management tools and learn from, and contribute to, best practices across the Mercy Corps global platform. The specific assignment will be detailed after identifying the country that best matches the selected fellows skills and interest.

For more details or to apply please go to: http://bit.ly/z507al

 

Wednesday, February 22nd, 2012

Full and Partial Scholarships Available, SIT Contact Program and Certificate in Conflict Transformation

Conflict Transformation Across Cultures

NOW ACCEPTING APPLICATIONS FOR FULL & PARTIAL SCHOLARSHIPS

10 Full and Multiple Partial Scholarships Awarded Annually

Summer Peacebuilding Program

May 28-June 15, 2012

 SIT Graduate Institute

Brattleboro, VT, USA

Graduate Certificate in Conflict Transformation

May 28-June 20, 2012 at SIT and Sept. 2012-May 2013 on-line

TOPICS OF STUDY: Conflict analysis and interventions, inter-communal dialogue, negotiation and mediation, peacebuilding and development, healing and reconciliation, peace education, training skills, issues of global relations, and more. 

PARTICIPANTS: Human rights workers, non-profit and NGO middle- and senior-level managers, government employees, mental health professionals, educators, and graduate students from around the globe. View profiles of previous participants and their testimonials.

Application Deadline:  April 15, 2012.

For more information visit: www.sit.edu/contact

or write to contactprogram@sit.edu

 

Wednesday, February 22nd, 2012

Shuttleworth Foundation Fellowships: Innovative Ideas for Social Change

Who can apply

  • Anyone who has an innovative idea for social change through fresh thinking that adds value in the areas of knowledge, learning and technology.
  • Anyone who has a clear vision of how the world can be a better place and the contribution they can make to bringing about the change.
  • The fellowship is not limited to any specific geographic location. However, applicants must be fluent in English.
  • Fellowship applicants must have attained the age of majority by the date of application.

Which topics/disciplines

The Foundation offers fellowships to individuals to implement their innovative idea for social change. We are most interested in exceptional ideas at the intersection between openness, technology, knowledge and learning. Ideas that would really move the dial on access to global knowledge, social and economic development.

The fellowship is not an academic fellowship aimed at research or academic study. Applicants should be social change agents who push boundaries and challenge accepted norms. They need not have all the answers, but should ask the right questions in a practical context.

Take a look at our current and past Fellows to see which applications have been successful.

Why apply

This fellowship offers you the freedom and financial ability to bring about the change you envisage for the world as well as an enabling support structure and an existing network of social change agents.

We will provide technological, financial, and legal support, enabling all administrative processes such as contracting with 3rd parties, done in an efficient and risk free manner. We will also work to support you by connecting you with our network of projects, funders and institutions where we think you can offer value.

The Foundation will support the Fellow to take their good ideas and turn them into successful initiatives. You will also be part of a continually growing alumni network to share learnings and experiences.

For more information and full description, please visit: http://www.shuttleworthfoundation.org/funding/fellowship-programme/

Wednesday, February 15th, 2012

Institute for Human Studies at George Mason University: Graduate Student Summer Seminar June 23- 29

For 50 years, The Institute for Humane Studies has helped graduate students interested in individual liberty pursue their intellectual and career goals.

The offered Scholarship and a Free Society Summer seminar is an interdisciplinary research workshop for graduate students interested in the classical liberal perspective and how leading academics apply it to their work.

Early stage graduate students will gain inspiration and dissertation ideas; late stage graduate students have the opportunity to present current research for peer review and expert feedback.

The seminar faculty includes professors of history, philosophy, political science, and economics- offering students an opportunity to explore cutting edge research across all disciplines.

There is no cost to attend. More details are available at TheIHS.org/GradSeminar.

 

Friday, February 3rd, 2012

Peace and Development Collaborative Network: Conflict Resolution in the South Caucasus

This exciting program brings you to the heart of conflict in the South Caucasus. Participants will meet a variety of local specialists, including academics and practitioners who will provide an inside view of each side of the conflict.  Students will spend time in Tbilisi and, if possible, Sukhum/Sukhumi. Formal class sessions are complemented by various site visits to encourage a more comprehensive understanding of the multifaceted issues affecting societies in conflict.

The program aims to provide context for understanding the changes that the South Caucasus region has experienced during the last 25 years, opportunities for understanding conflict tensions surrounding inter-community relations, and the aftermath of wars involving South Ossetians, Abkhaz, Russians, and Georgians, as well as the conflict over Karabakh. Related dynamics in the North Caucasus and globally will also be considered.

 

For more information please follow this link.

 

Friday, February 3rd, 2012

Call for Applications, Minorities Fellowship Programme (MFP) Office of the High Commissioner for Human Rights

The Minorities Fellowship Programme (MFP) was launched by the Office of the High Commissioner for Human Rights (OHCHR) in 2005.

The MFP is held annually and currently has two linguistic versions: The English language programme has been running since 2005 and the Arabic language programme started in 2007. The Arabic language component began as a two-week pilot and gradually expanded to five weeks in 2011. The duration of the programmes varied until 2011, when both programmes were decided to last 5 weeks and coincide with the session of the Forum on Minority Issues.

Through the MFP, the OHCHR aims to give persons belonging to national or ethnic, religious and linguistic minorities an opportunity to gain knowledge on the UN system and mechanisms dealing with international human rights in general and minority rights in particular. The MFP is intended to assist organizations and communities in protecting and promoting the rights of minorities the fellows belong to.

For more information or to apply please follow this link.

Friday, February 3rd, 2012

Rotary Peace Fellowship Call for Applications

The Rotary Foundation is now accepting applications for the world-competitive Rotary Peace Fellowship. The fellowship provides academic and practical training for individuals working on solving conflicts and building peace around the world.

The application deadline is 1 July 2012.  Application forms and more information are available the ROTARY PEACE CENTER PAGE.

 

Friday, February 3rd, 2012

Become a Kiva Fellow and Increase Opportunity Worldwide!

Since 2007, the Kiva Fellows Program has offered over 400 individuals a rare opportunity to contribute their skills in support of global microfinance. Applicants chosen for the program serve as Kiva’s eyes and ears on the ground, working directly with microfinance institution (MFI) field partners in over 60 countries around the globe.

18th class of Kiva Fellows will train June 4-8 at Kiva HQ in San Francisco, and there’s still time to apply! Applications must be submitted by February 12th. Get started today!

Wednesday, February 1st, 2012

Joint Japan/World Bank Scholarship Program

Japanese Nationals’ Program
The JJ/WBGSP provides support to a limited number of Japanese young professionals aiming to work in development. Most scholarships are awarded to applicants planning to work in international development organizations. A fewer number of scholarships are awarded to applicants already working in Non-Governmental Organizations (NGOs) and planning to return to NGO work after completing their studies. For all Japanese candidates, the JJ/WBGSP supports study related to development at the doctoral or master’s level, in fields such as economics, finance, planning, health, population, agriculture, environment and natural resource management, education, and other development-related subjects. However, the scholarship is awarded for a two-year maximum duration. Candidates may be already enrolled in their study program at the time of application.

To get information on the Japanese Nationals Program in Japanese, please follow this link.

 

Tuesday, January 17th, 2012

Deadline to Apply for a Fulbright Public Policy Fellowship is February 1, 2012

The Bureau of Educational and Cultural Affairs (ECA) of the U.S. Department of State will inaugurate a new Fulbright award in academic year 2012-13.  The Fulbright Public Policy Fellowship will provide opportunities for U.S. citizens to build mutual understanding and contribute to the strengthening of the public sector abroad.

The Fulbright Public Policy Fellowship will allow fellows to serve in professional placements in foreign government ministries or institutions and gain hands-on public sector experience in participating foreign countries while simultaneously carrying out an academic research/study project.

Embassies, Fulbright Commissions (where applicable), and host country governments will coordinate appropriate professional placements for candidates in public policy areas including, but not limited to, public health, education, agriculture, justice, energy, environment, public finance, economic development, information technology, and communications.

For more information, click here.

Monday, December 12th, 2011

Nuclear Security Fellows Program

With the support of the Stanton Foundation, the Security Studies Program has launched a Nuclear Security Fellows Program for junior faculty as well as pre-doctoral and post-doctoral scholars.

The Nuclear Security Fellows Program seeks to stimulate the development of the next generation of thought leaders in nuclear security by supporting research that will advance policy-relevant understanding of the subject. Learn more here.

Monday, December 5th, 2011

Fulbright Public Policy Fellowships — Deadline: February 1, 2012

For more information or to apply: http://fulbright.state.gov/grants/fulbright-public-policy-fellowship

The Fulbright Public Policy Fellowship, a component of the Fulbright U.S. Student Program, will be inaugurated in academic year 2012-13.  The Fulbright Public Policy Fellowship will allow fellows to serve in professional placements in foreign government ministries or institutions and gain hands-on public sector experience in participating foreign countries while simultaneously carrying out an academic research/study project.

Fulbright Public Policy Fellowships will be offered in the following countries:

U.S. Embassies, Fulbright Commissions (where applicable), and host country governments will coordinate appropriate professional placements for candidates in public policy areas including, but not limited to, public health, education, agriculture, justice, energy, environment, public finance, economic development, information technology, and communications.

Candidates must be in receipt of a master’s or J.D. degree by the beginning of the Fellowship (Summer – Fall 2012) or be currently enrolled in a Ph.D. program.  Applicants must also have at least two years of work experience in public policy-related fields.

The Application for the Fulbright Public Policy Fellowship opens on November 4, 2011.  Applicants must complete and submit the Fulbright U.S. Student Application including the supplemental Fulbright Public Policy Fellowship section by February 1, 2012. Departure for assignments will begin in Summer – Fall 2012.

To access the application click here.

For more information or to apply: http://fulbright.state.gov/grants/fulbright-public-policy-fellowship

Monday, December 5th, 2011

The Rosenthal Fellowship

The Rosenthal Fellowship, in conjunction with the Association of Professional Schools of International Affairs (APSIA), provides the opportunity to spend a summer in Washington, DC working on foreign affairs issues at a U.S. government agency or department, including:

 

· United States Congress

· State Department

· Department of Defense

· other federal agencies

 

The Fellowship program is open to graduate students enrolled in APSIA member schools and returning to school following the internship. The Fellowship provides both an internship placement and stipend of $2,000. However, students may also apply for funding only if an internship has already been obtained or for internship placement only if funding from another source has already been obtained. Students must be nominated by their school and applications are submitted by the school. Please consult your school’s Career Services Office about the internal application and nomination process.

 

Click here to read more

Tuesday, November 29th, 2011

Duke Program on Global Policy and Governance & Global Health Fellows Program in Geneva, Switzerland

The Program on Global Policy and Governance in Geneva prepares tomorrow’s policy leaders to work through the policy and institutional issues at the heart of global governance. Through meaningful summer internships and intensive, one-week courses, participants will have unparalleled access to Geneva-based institutions, opportunities for career advancement, and the ability to focus on the present international system and its potential for future growth and change.

The application for Summer 2012 is now open. APPLY HERE!

The program is intended for graduate and professional students from around the world interested in an international career. The summer experience includes:

 

Check out our program blog and testimonials from past participants!

Monday, November 21st, 2011

Fellowship: Princeton in Africa is recruiting for yearlong post-grad fellowships

Who is eligible?

Young alumni and graduating seniors from any non-profit college or university in the United States are eligible to apply. Prior experience in Africa is not a prerequisite.

 

Where will fellowships be available? May I apply to work for a specific organization or in a specific country?

Princeton in Africa expects to offer approximately 30 fellowships in about 15 countries next year. Although the complete list of fellowships will not be finalized until after the application deadline, you may study the lists of current and recent fellowships to get an idea of the types of positions that may be offered.

 

You may indicate preferences for region, country, and/or position type on your application form. But please note that a certain degree of flexibility may enhance the likelihood of your placement—and Princeton in Africa can not guarantee that a candidate’s top choices will be met. Overall, the PiAf pairing process is a very personalized one and we work hard to find the best match for both Fellows and partner organizations.

 

When do fellowships take place?

Fellowships are 12 months long. Depending on the organizations where they are placed, Fellows will begin work between June and September 2012 and will complete their fellowships between June and September 2013.

 

What does a fellowship package include?

The Princeton in Africa experience is an investment on the part of each Fellow, each partner organization, and PiAf. The following funding arrangements are in place.

 

Fellows should expect to cover:

  • Round-trip air travel to/from their post.
  • Some pre-departure medical expenses. (While a Fellow should be able to cover many of the medical costs associated with immunization and malaria prevention directly from the stipend received from PiAf/partner organization, as everyone’s health needs are different, there may be some instances where a Fellow will need to pay some expenses out of pocket.)
  • Sundries and recreational travel.

 

Note: PiAf is committed to ensuring that all applicants are able to participate in the fellowship program without regard to need. Students with demonstrated financial need should speak directly with PiAf. We will work with applicants to ensure that financial considerations do not prevent any applicant selected for a fellowship from participating.

 

PiAf/partner organization cover:

  • On-the-ground expenses including housing and living stipend.
  • Group medical and evacuation insurance.
  • Pre-departure orientation for all Fellows.
  • PiAf operating costs.

 

Does PiAf fund or arrange summer internships?

No, Princeton in Africa does not provide funding or make arrangements for summer internships.

 

Where can I find more information about PiAf fellowships?

  • Attend an info session (see dates and times above).
  • Read our Fellows’ Flyers newsletters, which include photos and reflections Fellows have submitted about their experiences.
  • Contact Stephanie Hooper, PiAf Program Manager, at shooper(at)princeton.edu with questions or to schedule an appointment.
  • Visit PiAf’s office during office hours (see days and times above) to find out more information about PiAf fellowships.
  • View our online database of reports from former Fellows located here (Princeton in Africa Fellows’ reports are password protected.  To receive the login information, please email piafapp(at)princeton.edu.  The reports link will direct you to a secure server outside the Princeton in Africa domain).

 

How do I apply?

The applications deadline for 2012-13 is Monday, November 21, 2011.  The online application is located here.

 

What else is required?

Should you be invited for an interview, you must be available for one of the sessions in January 2012.

 

Those candidates who receive a fellowship must attend PiAf’s pre-departure orientation program which will be held in May 2012 on Princeton’s campus.

Tuesday, November 15th, 2011

DACOR Bacon House Foundation Fellowship

Dear Students,

The Monterey Institute has been selected to participate in the DACOR Bacon House Foundation’s fellowship program for the academic year 2012-2013. This prestigious fellowship program is offered to students from ten schools per year on a rotating basis. One student per school will be selected. Fellowships are exclusively for tuition costs for the academic year 2012-2013 and will carry a stipend up to $10,000 for the year ($5,000 per semester).

 

Fellowships are awarded to encourage and assist American students in advanced study of international affairs at recognized institutions of higher learning in the United States. Students must be US citizens. The awards are made primarily on the basis of academic excellence. Three students will be nominated by the school through an on-campus review process. In addition, interviews will be held by the coordinators of the fellowship program to determine the final choice from among the three candidates the school nominates to compete for the fellowship.

 

To apply, please submit the following documents electronically to Jen Holguin (jhamblet@miis.edu) by no later than December 5th, 2011 at 5PM (no exceptions will be made to this deadline):

 

1) A curriculum vitae* which includes your date of birth and citizenship;

2) A transcript of your academic record at the Monterey Institute and at any other institution of higher learning that you may have attended (undergraduate or graduate level);

3) An essay of approximately 600 words prepared by each nominee, expanding on the information provided in the resume, as appropriate, and covering such matters as special academic or other accomplishments, work experience, experience related to international affairs (e.g. foreign travel, foreign study, competence in foreign languages), career objectives and any other matters pertinent to the nominee’s qualifications.

 

*A note on curricula vitae:

When should job seekers use a curriculum vitae, commonly referred to as CV, rather than a resume? In the United States, a curriculum vitae is used primarily when applying for academic, education, scientific or research positions. It is also applicable when applying for fellowships or grants.

 

The Differences between a Resume and a CV

 

There are several differences between a curriculum vitae and a resume. A curriculum vitae is a longer (up to two or more pages), more detailed synopsis of your background and skills. A CV includes a summary of your educational and academic backgrounds as well as teaching and research experience, publications, presentations, awards, honors, affiliations and other details. As with a resume, you may need different versions of a CV for different types of positions.

 

Like a resume, a curriculum vitae should include your name, contact information, education, skills and experience. In addition to the basics, a CV includes research and teaching experience, publications, grants and fellowships, professional associations and licenses, awards and other information relevant to the position you are applying for. Start by making a list of all your background information, then organize it into categories. Make sure you include dates on all the publications you include.

http://jobsearch.about.com/cs/curriculumvitae/a/curriculumvitae.htm

Tuesday, November 15th, 2011

New Fulbright Public Policy Fellowships are now available on Peace and Collaborative Development Network

The Bureau of Educational and Cultural Affairs (ECA) of the U.S. Department of State will inaugurate a new Fulbright award in academic year 2012-13.  The Fulbright Public Policy Fellowship will provide opportunities for U.S. citizens to build mutual understanding and contribute to the strengthening of the public sector abroad.

The Fulbright Public Policy Fellowship will allow fellows to serve in professional placements in foreign government ministries or institutions and gain hands-on public sector experience in participating foreign countries while simultaneously carrying out an academic research/study project.

For more information Click Here

Friday, November 11th, 2011

Cordes Fellowships

For more information, please follow this link: http://www.opportunitycollaboration.net/pre/fellowships/

 

Cordes Fellowships provide exceptional social entrepreneurs and nonprofit leaders engaged in poverty alleviation and economic justice enterprises the opportunity to participate as Delegates in the Opportunity Collaboration.  The purpose of the Cordes Fellowship program is to (a) open doors, minds and networks for emerging social entrepreneurs and nonprofit executives, (b) enrich the Opportunity Collaboration with new, emerging leaders and (c) infuse the collaborative discussions with a diversity of perspectives.

“The Opportunity Collaboration was absolutely stunning!  I was awestruck by the great insights on leading a superior management team and how to have good relations with donors which the instructors tackled in a brief, but concise way. For the first time in my life, I flew in a plane, visited a foreign nation and attended a high-profile conference.  It was a life changing experience. Long live opportunity Collaboration!” — Wiclif Otieno, Director, Kito International, Kenya.
Cordes Fellowship Program

In total, 50 Fellows take part in all aspects of the Opportunity Collaboration. In addition, Fellows earn a certificate of completion awarded by the University of the Pacific Global Center for Social Entrepreneurship.  “At the Opportunity Collaboration, I honestly learned more in the past few days than in a semester in business school.” — Cynthia Koenig, Founder & Chief Executive Officer, Wello, USA.  “From my learnings at Opportunity Collaboration I felt confident that it was time to start sharing my story, so I’m now sharing it across a variety of mediums. Thank you so much once again for the OC opportunity, it really was a personal and professional game changer.” — Adam Braun, Founder & Executive Director, Pencils of Promise, Cambodia.

Fellows attend three ninety minute courses on areas critical to the success of organizations and individuals creating social impact and combating poverty. Topics are:

• Converting Your Idea Into An Investable & Bankable Enterprise
• When & How To Scale Your Enterprise
• Social Investor & Impact Donor Fundraising
Finally, along with other Delegates, customized capacity-building clinics are offered. For times and locations, see the Agenda.

Fellows are expected to attend the full Opportunity Collaboration in Ixtapa, Mexico, and participate in the on-site University of the Pacific Global Center for Social Entrepreneurship program. Fellows should read the following articles in advance of arrival:

“Market-Minded Development” – Hima Batavia, Justin Chakma, Hassan Masum, & Peter Singer
“Scaling for Social Impact” - Gregory Dees, Beth Battle Anderson, and Jane Wei-skillern
“Ten Nonprofit Funding Models” - William Landes Foster, Peter Kim, & Barbara Christiansen

Eligibility Criteria

Successful Cordes Fellowship applicants are high-impact, innovative, entrepreneurial for-profit and nonprofit organization executives with a demonstrated commitment to economic justice and poverty alleviation. Like all Delegates, Fellows are catalytic leaders who by their actions and accomplishments evidence pragmatic vision, passionate tenacity, multi-sectoral thinking, adaptive leadership skills, non-ideological activism and a strong ethical grounding.

Financial need is a primary consideration. Applicants from both nonprofit and for-profit organizations with adequate resources are less likely to be selected for a Cordes Fellowship.

Applications from Delegates whose organizations, companies or ventures have already attended a prior Opportunity Collaboration will not be considered. Multiple applicants from one organization will not be considered; submit one application for the most senior leader from your institution.

Cordes Fellowship Terms & Conditions

Fellows selected from non-OECD countries (developing economies) receive a $4,750.00 full scholarship, and pay no registration fee. Fellows from OECD countries (developed economies) receive a $4,000.00 scholarship, and pay a $750.00 registration fee.  See point 3 under Application Process & Deadlines, below.

The all-inclusive Cordes Fellowship includes all on-site costs for housing and meals (5 nights lodging, 3 meals per day), gratuities, airport shuttle, etc. All Fellows are responsible for their own roundtrip airfare; if applicants cannot fund the airfare, they should not apply.

Fellows agree to roomshare with one other Delegate roommate.  If Fellows are traveling with a spouse or other traveling companion, larger rooms with private bedrooms will be arranged.

Fellows are responsible for obtaining all necessary travel documents, including a travel visa from the Mexican government, if required. The Opportunity Collaboration provides Fellows with a formal invitation letter for use with immigration authorities.

To assure every Fellow has a productive Opportunity Collaboration experience, the Director of International Relations is available to explain program elements, facilitate logistics (including help with government visas), handle specific problems and answer questions. If you are selected as a Fellow and have special requirements, contact Leticia Jauregui, Director, International Relations (email: ljauregui@creandojuntos.org).

Application Process & Deadlines

The application period is now open and closes on January 31, 2012.  Applications are reviewed on a first-come, first-served basis. Late applications will not be considered. All applicants will be notified by e-mail regarding the outcome of their application within 30 days of receipt.

Applicants must submit the following five items to the Opportunity Collaboration selection panel by emailing Fellowship@OpportunityCollaboration.net:

1) Personal resume.
2) An organizational website URL and/or a brief description (not to exceed one page) about the organizational mission, activities, current challenges to growth, etc.
3) Applicant should specify whether he or she is applying from an OECD or Non-OECD country.  Cordes Fellowship Terms & Conditions, above.
4) Full contact information for two references from individuals personally familiar with the applicant’s accomplishments and abilities. Current and former Opportunity Collaboration Delegates are preferred references.
5) An organizational financial statement or balance sheet.

Once notified that an application is approved, a Fellow has thirty (30) days to accept the Cordes Fellowship by registering at the Opportunity Collaboration website. Fellows from OECD countries pay a non-refundable $750.00 registration fee. Fellows from non-OECD countries pay a refundable $250.00 application fee which is returned after the non-OECD Fellow attends the Opportunity Collaboration.

 

For more information, please follow this link: http://www.opportunitycollaboration.net/pre/fellowships/

Wednesday, November 9th, 2011

William A. Carlson Fellowship Program 2012 Award Opportuninty

        California Redevelopment Association – William A. Carlson Fellowship Program 2012

The California Redevelopment Association (CRA) is proud to announce the ninth year of the William A. Carlson Fellowship Program which awards up to three stipends annually to California graduate school students to attend at no cost our Annual Conference (April 11-13, 2012) or the Redevelopment Institute held in July (includes registration, hotel, travel, and meal expenses).

Click here to read more