No Picture

Student Loan Advice For The Modern College Student


The price of tuition these days is truly shocking. Not many folks are able to afford to go to college without any sort of financial aid. Student loans can help you finance an education.

Be sure you know all details of all loans. You must pay close attention to how much you owe, what the terms are and the name of your lending institution. These details affect your repayment options. This is necessary so you can budget.

Stay in touch with the lender. Let them know if your number, email or address changes, all of which occur frequently during college years. Read all of the paperwork that comes with your loan. Do whatever you need to as soon as you can. If you forget about a piece of mail or put something aside, you could be out a bunch of money.

Do not panic when you are faced with paying back student loans. Unemployment or health emergencies will inevitably happen. There are options like forbearance and deferments for most loans. The interest will grow if you do this though.

Work hard to make certain that you get your loans taken care of quickly. First, always make minimum payments each month. Then, those with the greatest interest should have any excess funds funneled towards them. This will make it to where you spend less money over a period of time.

Make sure that you specify a payment option that applies to your situation. Many loans offer a decade-long payment term. There are other options if you can’t do this. For example, you might have to take a while to pay a loan back, but that will make your interest rates go up. You may also have the option of paying a certain percentage of your future earnings. A lot of student loans will be forgiven after you’ve let twenty five years go by.

For those on a budget already stretched to the max, the idea of a student loan can be scary. That can be reduced with loan rewards programs. Look into something called SmarterBucks or LoanLink and see what you think. Similar to popular cash-back programs, each dollar spent accrues rewards that are applied against your loan balance.

To get a lot out of getting a student loan, get a bunch of credit hours. You will graduate more quickly if you get to 15 or 18 hours each semester rather than 9 or 12. This will reduce the amount of loans you must take.

Never sign anything without knowing what exactly it says and means. You must, however, ask questions so that you know what is going on. You do not want to spend more money on interest and other fees than you need to.

While they can assist you during college, loans must be repaid one you have graduated or quit going to school. Some people take out a loan but don’t consider how they are going to pay it back. Using this advice you can get your advanced education without going bankrupt.…

No Picture
Public Education

Tips To Guide You Through The College Years


College isn’t easy for beginners. You suddenly find yourself in strange surroundings full of new people. It can be hard to adjust to. If you are apprehensive and need some direction, this article can help. Here are a number of tips to help make the transition to college easier.

Many students find that it is handy to include a water bottle in their school supplies. Proper hydration is important, even in school. This will help you to quench your thirst when you are hungry in between classes. This will help you concentrate and be at your best. This is important in college. You can even refill your bottle at a water fountain.

You’ll need grants and scholarships to get through college. Be sure to apply early. These important resources will help you to limit your future student loans. Find a good system for taking care of your deadlines and applications and apply in enough time.

Be realistic when making your work and course schedules. If mornings are not your best time of day, starting a day with an early challenging class is just begging for trouble. Choose classes that will allow you to follow a schedule you can enjoy.

If you’re learning about how expensive college is and you don’t have enough to cover costs, try getting a loan. College is something that can pay great dividends in the long run, so it should be okay to acquire a little bit of debt for the future rewards.

Be sure to eat well while in college. There is truth to the freshman 15. The better you eat, the better your brain will work, too. Avoid a lot of fast foods and pizza on the go. It might seem fast and cheap but adds up over time and doesn’t provide you with the energy a nutritious meal would.

Spend the maximum amount of time studying every day. The greater your dedication to studying, the more benefits you are sure to reap. Have your fun, but make sure education is at the forefront of your priorities. The more effort you can put into your schoolwork, the better chance you have at having a better career after graduation.

Familiarize yourself with the route you will have to take to get to your classes prior to your first day. Check how long it requires to get to each class, and arrange the route accordingly. You can also find libraries or cafes on your route to study or eat lunch at if you have time.

Locate the gym on campus and make regular visits there or just take a daily walk and explore the campus. It is a way to stage of those extra calories, and a great place to socialize. You can find other people to work out with.

Purchase your textbooks used to save a lot of money. If you buy your books new you will be spending a small fortune. You will save a lot of money by buying them used.

College can be a tricky transition. Beginning a new part of life is hard, but by using the tips, you will find that college can be fun and you can be successful.…

No Picture
General Article

IRS To Remind Taxpayers About Registered Tax Return Preparer Program For Paid Helpers

IRS To Remind Taxpayers About Registered Tax Return Preparer Program For Paid Helpers

The IRS wants to inform taxpayers about a phenomenon that should interest anyone in the tax preparation industry. The subject is ghost preparers, which is a term used for people who help with preparation of tax forms without signing the return.

Most ghost preparers are friends or family members that claim to know all about taxes. They provide help for a small fee. No matter how many or few returns are prepared by these individuals, they must register with the IRS. By doing so, they are subjected to tax preparer continuing education requirements starting in 2012.

A total of 15 hours of tax CPE is mandated per year for all tax return preparers. This includes 3 hours of updates to tax laws. In some years, that is barely sufficient to address the large number changes in tax rules. Congress has tinkered extensively in recent years with tax credits and above the line income adjustments. These legal modifications have scheduled expirations or expansions.

The purpose of the registered tax return preparer program is assurance that calculations for various deductions and credits consider eligible expenses, qualified persons, and correct income limitations. Ghost preparers don’t maintain knowledge of updated tax rules. They also lack IRS tax preparer study and haven’t passed a competency exam.

The most egregious cases of ghost preparers are the ones promising larger refunds with bogus deductions and illegal filing for refundable tax credits. These blatant violators of registered tax return preparer ethics have obvious reason for failure to register with the IRS. In most instances, taxpayers are innocent dupes who have assigned their tax refunds to the ghost preparers’ bank accounts after obtaining amounts in advance from the preparation helpers.

An honest tax preparation business should warn consumers about these crooked ghost preparers. The IRS will pursue the taxpayer for any inaccurate tax calculations. Taxpayers owe the excessive refund claims even when the ghost preparers are apprehended and prosecuted. The first clue about an illegal ghost preparer is that they don’t sign the tax returns.

Every professional with an IRS RTRP license must also guard against helping ghost preparers electronically file fraudulent tax returns. These are requests to e-file returns that the ghost preparer claims are relatives, usually living in the same household. The ghost preparer will record tax information on IRS forms and introduce the alleged relatives, who will swear that they did not provide compensation for preparation of the tax papers. In these cases, a tax preparer professional should inquire of the named taxpayers about accuracy of their tax forms. Often, their responses indicate that circumstances don’t exist for claims of suspicious deductions and preferential Head of Household filing status.

IRS Circular 230 Disclosure

Pursuant to the requirements of the Internal Revenue Service Circular 230, we inform you that, to the extent any advice relating to a Federal tax issue is contained in this communication, including in any attachments, it was not written or intended to be used, and cannot be used, for the purpose of (a) avoiding any tax related penalties that may be imposed on you or any other person under the Internal Revenue Code, or (b) promoting, marketing or recommending to another person any transaction or matter addressed in this communication.…

No Picture
General Article

Online Psychology: Continuing Education for The Mental Health Professional

Online Psychology: Continuing Education for The Mental Health Professional

Mental health professionals are always looking for ways to expand their sources of knowledge. Today, this often means finding online psychology continuing education courses they can use to not only broaden their own study, but earn credits that could aid them in their careers in a number of ways. Professional development past the point of a base education is a concept growing in popularity not only in the world of mental health, but in fields as diverse as teaching and stock trading. Further learning can lead to higher pay, better strategies, and advancements in your chosen field. There is a wealth of information to be had on the Internet; while not all sources are legitimate, of course, a reputable website can be an even better resource than a textbook, as it is continually updated with new information and debates. Here are some of the methods you can use to further your own betterment.

Online psychology continuing education courses are some of the easiest and most popular ways for a mental health professional to further their studies. These courses offer the busy professional a chance to earn credits and learn at their own leisure, rather than being at the behest of a difficult class schedule. This can make all the difference when it comes to being successful in such a program. These web based classes aren’t limited to any particular area, either. Many community and full universities offer online classes and many will allow enrollment from out of state (though it will probably cost quite a lot more). There are also websites entirely devoted to offering e-courses, which provide another level of home-based learning. Many people find that the schedule-free aspect of this method of learning helps them to pursue knowledge based on personal interest instead of fear of academic penalty, helping them attain a much wider and more solid knowledge base in the field.

One of the most exciting opportunities these days for mental health professionals is the proliferation of online lectures and webinars. These videos and courses allow you to learn at the feet of the giants in the field, without spending hundreds and hundreds of dollars to fly to a big city and see them live. Often, these seminars are at least partially interactive and they provide a good opportunity to network with other interested parties, perhaps offering an additional way to further your career goals and aspirations.

Finally, don’t overlook the importance of furthering your technical knowledge. Online psychology, continuing education courses included, is not immune to advancements in the way people use technology. Keeping up with the latest software and hardware innovations – particularly those which are specifically developed with the mental health field in mind – is essential to developing a thriving practice. There are many forms of software that can help anyone in any form of business streamline their tasks and free up their time. Any automated processes you can put into practice will give you that much more time to develop your professional career.…

No Picture
General Article

Why Internet Courses Are So Popular

Why Internet Courses Are So Popular

Online education as grown tremendously over the past few years. Whether we are talking about students going back to school or professionals completing their continuing education requirements; internet course offerings are at an all time high. Students and professionals value online courses for many reasons. They are convenient, easy to complete, and save the individual time. These are three factors that all professionals take into consideration when making a decision.

Online classes are convenient because they can be completed from anywhere with internet access. You do not have to be online at a specific time to attend a class. You also do not have to travel anywhere and sit in a lecture hall. Whether they are self study, correspondence courses, or online interactive courses you have the flexibility to complete the classes on your own time. Many of the online courses also allow you to log in and out at your digression. So it is ok to start a course, take a break, and then finish at a later time.

Most online platforms are easy to navigate through. Whether you are using Moodle, WebCT, or Blackboard; as long as you know how to surf the web you should be able to complete at online course. This is very important. Some students and professionals are not aware of the simplicity of taking an online class. As long as you receive a username and password to log in you are ready to start. There are usually many links on the homepage which allow the student to choose what they are looking for. All assignments are submitted online via email or through a discussion board posting to make it easy for the student.

Finally, we will discuss one of the most important factors of an online course; saving time. Time is very important to students, professionals, and pretty much everyone. If you choose to continue your education through the internet you can avoid traveling to a class, parking, and sitting through a lecture. These tasks seem fairly simple, but can actually be very tedious. If the class or University is 25 minutes away for example, an hour of your day will be spent commuting to class, parking, and walking. For most adults returning to school an hour is a long time!

As you can see, there are many benefits to online courses. The internet has evolved over the years to make life easier for individuals all over the world. Take advantage of technology and don’t be left in the dust!…

No Picture
General Article

Georgia Massage Therapy – Continuing Education Requirements

Georgia Massage Therapy – Continuing Education Requirements

The perks of continuing education are multifold; not only do they encourage licensed professionals to be more mindful of changes and happenings within their industry, they also ensure that these professionals remain up-to-date on key knowledge and facts. Moreover, most professional organizations require such ongoing learning to occur throughout the year. The field of massage therapy is no different. Continuing education is more than just encouraging licensed massage therapists to sharpen their massage therapy knowledge; it also ensures that they adhere to high standards of professional performance.

In the state of Georgia, every two years (every even numbered year), licensed massage therapists must acquire twenty-four hours of massage therapy continuing education units in order to remain compliant with the Georgia State Board of Massage Therapy regulations. This is to ensure that licensed massage therapists are always current and continue to offer their clients the best massage therapy possible.

By October 31, 2010, all licensed massage therapists in the state of Georgia will be required to renew their license with the state massage board. One of the requirements is to submit proof of participation in twenty-four hours of continuing education courses. To learn more about what is needed to stay up-to-date and remain fully compliant as a licensed massage therapist in Georgia, always make sure that you visit

Remaining Compliant with the State

Course hours & requirements: Twelve of the twenty-four hours of massage therapy continuing education must be hands-on or technique based, while the remaining twelve hours can be on-line or lecture only. Many licensed massage therapists use this time to choose courses that focus on massage techniques and/or modalities in which they wish to specialize or simply learn more about. Topics include sports massage, cranial sacral therapy, geriatric massage, spa techniques or pregnancy massage. The list of possible massage therapy continuing education courses is approved list of courses and/or providers can be found on the National Certification Board for Therapeutic Massage and Bodywork (NCBTMB) website at .

Credentials: Before beginning any massage therapy continuing education courses, ensure that the program in which you are enrolling is fully recognized by the Georgia Board of Massage Therapy and that the instructors are credentialed. The program should have a provider code number assigned by the NCBTMB in order to issue credits.

Program documentation: Should you be audited, you will need to have proper documentation of completed massage therapy continuing education courses.

This documentation should include proof of attendance and participation at a hands-on workshop, seminar, conference, or other educational program. Upon completion of the program, you should be given a certificate that includes a massage therapist license number and the approved provider’s number (signed or verified by a program official), and a program or course description detailing the sponsor, course title, date, course, content description, and schedule.

For massage therapy continuing education courses that do not involve hands-on techniques, such as lectures, multimedia courses, correspondence courses, or formal self-study, you will also need a certificate of completion with the information outlined above. In the case of self-study, you will need to have verification by a course sponsor as well as detailed information about the nature of the course.

New licensees: If you are a massage therapist who was licensed within the first year of the biennial renewal period, you will be responsible for acquiring only twelve massage therapy continuing education hours, six of which must be hands-on supervised instruction. Massage therapists who have been licensed within the past twelve months are not held accountable for acquiring any continuing education credits until the next renewal period.

Record keeping: Your renewal application is subject to a state audit. All licensed massage therapists will need to keep a record of attendance and any supporting documentation for at least three years from the date of attendance. During the license renewal application process, you will need to certify to the Georgia State Board of Massage Therapy that you have completed the hours required for license renewal.

The Perks of Continuing Education for Licensed Massage Therapists

Schools across Georgia offer stimulating, interactive new ways of learning different massage modalities. Massage therapy continuing education is a great way to learn something new and perhaps even introduce a modality you had not yet considered. Your employers and massage therapy clients also benefit from your additional education.

With so many choices, picking and settling on your twenty-four required CEs should be fun! Just don’t forget to file away your documentation in case of an audit!…

No Picture
General Article

Social Work Continuing Education Courses Can Make Your Job Easier

Social Work Continuing Education Courses Can Make Your Job Easier

Social workers who work in the medical field are a very important component of an effective healthcare team. It does not matter what kind of healthcare team or setting this person is employed in. Their role is to provide a source of comfort and support to patients, their families and other persons of interest that may need some sort of psychosocial support. This will enable the affected people to be able to deal with any issues that have stemmed from addiction, grief and illness. It is also their role to provide counseling to the caregivers of patients and help make plans for any patients that will need some form of continuing care after they are discharged from the hospital.

The median annual salary for this position that is in the medical field is approximately $54,000 and depending on who the employer is, size of the employer, credentials of the social worker and years of experience,; the median salary can vary quite a bit.

When making the decision to become a social worker, you will need a minimum of a bachelor’s degree. Although having a masters and PhD degree are quickly becoming the norm in order to be considered for many social worker positions. Social workers learn how to work with their patients. As their patients situations change and the nature of their problems evolve, taking social work continuing education classes are very helpful in providing the social worker with different ways to adapt.

One way the social worker uses the information that is gained from continuing education courses is by assessing a patient’s situation and their lifestyle, and then using this information to determine how well equipped the patient is able to adjust to living outside of a medical facility. If the patient is not competent enough or needs extra help, they will arrange for outside resources to help out. Before any of their patients are discharged from a healthcare facility, they will have put together a very through and detailed discharge plan that is coordinated with the patient’s healthcare providers. In addition to working with the patient’s healthcare providers, they can help put together and implement a plan where all of the providers are able to continue providing care for their patients and continue to provide communication between the doctors and patient so that the patient is receiving the therapy they need from the relationship.

Since the healthcare industry undergoes change and growth almost every minute, one way the social worker can keep up with all of the changes in technology, equipment, procedures and protocols is by attending social work continuing education classes. Through these courses they can make sure that they are implementing and using the proper criteria for assessing a patient’s needs and assigning and making the proper follow up care properly. Staying on top of the patient’s case will prevent any delays in the patient receiving effective treatment.…

No Picture
General Article

Continuing Education For Nurse Practitioners, RNs, LPNs, and More

Continuing Education For Nurse Practitioners, RNs, LPNs, and More

There are a number of factors to take into consideration when planning your continuing education for nurse registration/license renewal. Each state has its own specifications. Some allow nurses to substitute practice hours for contact hours. However, it can take hundreds of practice hours to achieve the number of required hours for CE.

In contrast, 24-30 contact hours every two years will fulfill licensing or registration requirements in many states. You can easily meet this minimum by taking a few hours at a time as the opportunity arises. Just be careful to select accredited courses that are recognized as valid in your state.

Your employer may host seminars/lectures or provide training as a standard feature of your job. This is a common benefit of working in large medical facilities. However, if you work for a small clinic or private practice you may not have this advantage. Fortunately, there are many affordable options for continuing education for nurse practitioners, RNs, LPNs and LVNs.

Paying for your own courses also gives you the freedom to select the subjects of your choice. Use these classes to fill gaps in your knowledge, open up new career opportunities, and ensure that your patients are receiving the best care you can offer. Employment related CE is usually tax deductible, so keep receipts for any courses you take.

What You Can Learn

There are thousands of possible options to choose from when it comes to continuing education. For nurse training that requires hands on demonstrations, you will need to attend in person. However, most of your contact hours can be earned through distance learning. Here are just a few of the subjects you can choose to study:

Pain management

Bio-terrorism preparedness

End of life care

Reducing medical errors


HIV infection control

Wound care

You can also select courses related to specialties such as cardiology, endocrinology, oncology, and many more.

Ways to Take Courses

If you enjoy the give and take of a seminar, attending in person or via an audio-conference is ideal. That way, you can exchange ideas with other nurses and educators. However, a busy schedule may well keep you from attending classes. This isn’t unusual in the high-demand field of nursing where chronic understaffing abounds. In that case, you may prefer an online course that allows you to start and stop at your own convenience.

Online training is quickly becoming a favored method for continuing education. For nurse educators, it offers the ability to update course materials quickly. This ensures that you learn about the most current medical information and best practices – not what is contained in an outdated textbook. Some CEU providers allow you to take courses before you pay for them. This gives you the opportunity to evaluate the quality of the material free of charge. Of course, to get your certificate showing your credit hours you do have to complete the payment process.…

No Picture
General Article

Getting Your Online Insurance Continuing Education

Getting Your Online Insurance Continuing Education

There comes a point when an insurance agent needs to participate in the expansion of their insurance continuing education in order to stay legally qualified to sell and promote their particular insurance. To most agents, this is tedious, though it’s necessary for the sake of legalities. The fact of the matter is that each state determines the amount of education needed to either become or remain a certified insurance agent, and the state also dictates which education provider meets their standards. While it may seem like a chore to take the time out of your day to attend a class in order for you to stay current with the changes within your given industry, that isn’t to say there isn’t an alternative. This is where you can skip the headache and participate in an online insurance continuing education instead.

Laws and policies are constantly changing. What an agent practices this year might become below standard next year. So it’s not that insurance continuing education doesn’t have its place; it most certainly does. Knowing and understand the various ethical practices and legalities is critical for both your company, and your employment. You may even it as an annoyance, like having to go through all the work of filing your taxes each year. That’s a fair outlook, but that doesn’t change the fact that any serious insurance agent is going to have to become periodically re-educated, and so there’s no better way to minimize the sting of the situation than to maximize the convenience of it, hence attending an online insurance continuing education.

The benefits of educating yourself online should be quite clear to you already. After all, who wants to have to set aside an entire day to attend a class, or to leave home early or stay after work late in order to fulfill the state imposed educational requirements? Not many people would enjoy that, so finding an online insurance continuing education program that meets the prerequisites and standards is – without a doubt – your best option.

An abundance of insurance types and providers exist, and there’s a bit more to consider in an online insurance continuing education provider. There are companies who provide adequate information and training for a plethora of insurance types, but not all are equal. You don’t want to overspend on a service just to get the bare minimum education to meet legal requirements. It’s best for you to seek out a reliable company with a proven record of keeping training very simple, while over-delivering while maintaining a low cost.

All costs are completely up-front and affordable, while the education being provided is very clear and top-notch. Regardless of the insurance you sell or company you work with, you’ll find the mentioned online insurance continuing education provider to offer whatever training you need, all from the convenience of your computer.…