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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.…

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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.…

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General Article

Nursing Continuing Education – An Introduction

Nursing Continuing Education – An Introduction

Nursing has always been an inextricably integral element of healthcare management system. However, the ongoing developments in the field of medicine, along with the changing social dynamics of the patient-doctor relationship, place several challenges for practicing nurses. This means it is no longer enough to simply have practical and theoretical knowledge of the technical aspects of nursing. They are also required to showcase leadership skills and take initiative to enhance their career growth. They must attain appropriate standards of care and adopt ‘cost-effective healthcare strategies.’ The right online nursing continuing education can help achieve all this.

Nursing Continuing Education -State Requirements

Healthcare being a top priority of most state administrations, nurses and doctors are required to comply with the best standards to be able to get their licenses re-registered. This is yet another area where online courses have an edge. Anyone can pursue these courses while still working and save themselves the need of attending classes. While choosing an online course, make sure that its curriculum covers all state prescribed requirements (different for different states).

Nursing Continuing Education -Cost Effectiveness

If you want a nursing continuing education course that complements your limited budget, then online education is the best option for you. Classroom-based courses tend to have a negative impact on two fronts. First, you will have to attend them after your working hours or take leave to attend them. Besides, the whole process can be very tiring, eventually impacting your work.

Online training has no such disadvantages. You can study whenever you want, as they have no fixed schedules; although you can attach a deadline to them for your own benefit. Now even the state regulatory authorities are accepting these online courses.

Nursing Continuing Education -Where to Look For?

If you are looking for an online continuing education program for nurses that also conform to your state regulations, Certification Plus is the answer for you. They offer several competitive nursing courses including a course for advancing your career options. The institute also specializes in offering other online training, which include insurance, real estate and occupational safety. For more information on their latest offerings and trainings, please visit .…

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General Article

Continuing Education Counseling Classes

Continuing Education Counseling Classes

As a counselor you likely encounter a variety of issues. Whether you specialize in marriage counseling or youth counseling, you probably feel sometimes like you have seen everything imaginable. Even though it may seem like this, it is probably not the case. Most likely there is much more for you to encounter and most of all learn how to encounter. This being the situation, continuing education counseling classes are essential whether or not they are required for you to be a certified counselor.

Perhaps in your main training you had a variety of broad classes for the counselor. Now that you have had a practice for a time, perhaps you are seeing what really interests you the most and are interested in specializing in a certain area. You will have the opportunity to specialize more by taking continuing education counseling courses. You can always be taking one if you would like and if it fits into your schedule.

There are many different continuing education counseling institutions available today where you can take a wide range of courses. Some institutions have both in the classroom classes as well as online situations. Others focus more on just the online courses, webinars, webcasts, and reading courses. The latter are a good option for those with a very busy schedule where it would be virtually impossible to schedule a class into the day.

Another option to consider if you do not have an actual requirement for classes is to discipline yourself and schedule a time every day for study and learning in a particular area of need or interest that you have. Perhaps you have been dealing with a large number of marital cases in recent months. This might drive you to try and learn more techniques and options that are out there when it comes to helping couples. It will really depend on where you have a need or desire.

An important consideration when looking for the actual institution for courses is to consider what associations as well as licensing boards approve of the institution. It is wise to work with one that meets the standards of associations such as the American Psychology association. This will give your course more value, and it is especially important to check into this if they are required courses to get in a certain number of hours for licensing.

Once you do find an institution that meets what you are looking for, you are on your way to being a more knowledgeable counselor. This is beneficial not only for your clients but also for your future as a counselor. Being able to specialize in a specific area may help you to have a more profitable business because you will be able to focus on that one area and strive to be the best in your field.…

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General Article

IRA Withdrawals Can Be Costly

IRA Withdrawals Can Be Costly

It is received wisdom that the objective behind an IRS is to build that nest egg for the future. Nonetheless, it is not uncommon, especially in the wake of recession, for many taxpayers to tap into this money to help sustain themselves. Unfortunately, early IRA withdrawals carry severe tax penalties. While tax professionals like CPAs and enrolled agents understand the tax implications of IRA withdrawals, taxpayers are often oblivious to these implications, a reality that underscores the value of seeking advise from a registered tax agent before considering such a move.

Below are some of the more pertinent facts around IRA withdrawals that tax professionals will encounter in most standard tax CPE courses. These facts and tips should be part of any obligatory conversation between tax professional and client who is investing in IRAs.

What is Considered an Early IRA Withdrawal?

Any withdrawal from an IRA before the age of 59 and A� is considered an early withdrawal, and will result in tax penalties. However, once a taxpayer turns 59 and 1/2, they are entitled to an unlimited number of withdrawals penalty-free until the age of 70 and A�. At this age, penalties kick-in once again.

Taxes and Penalties

Unless taxpayers qualify for a special exemption, each early withdrawal is subject to a 10% tax penalty. In addition to that flat penalty, they are required to pay income taxes on the money withdrawn from the IRA.

Qualified Distributions

There is a silver lining. This comes in the form of tax laws that entitle taxpayers with IRAs to penalty-free withdrawals in certain situations. These instances are known as qualified distributions, and were envisioned as a way of assisting taxpayers confronting special financial situations. If a taxpayer’s Roth IRA has been open at least five years, distributions can be taken both penalty and tax-free.

Below are the various options for taking a qualified distribution available to IRA holders.

Medical Expenses

Most withdrawals made for medical expenses are subject to all penalties and fines with one exception: If the amount of medical expenses paid by a taxpayer exceeds 7.5% of the adjusted gross income, IRA withdrawals may be penalty free.

College Expenses

Early withdrawals used to cover higher education expenses are not taxed.

Unemployment Health Care

Taxpayers receiving unemployment payments for 12 weeks or more, and who may need money to offset health insurance premiums, are eligible a special exemption.

Active Military Exemption

A military reservist who has been active for 180 days can make early IRA withdrawals without incurring any IRS penalties.

Disability Assistance

Account holders who are mentally or physically disabled, and, as a result, are unable to sustain a job or conduct business, can take qualified distributions, but the disability must be long-term.

Estate Beneficiary

Withdrawals by an account holder’s beneficiary after their death are exempt from the penalty tax.

First-time Homebuyer

First-time homebuyers are permitted to withdraw up to $10,000 from an IRA penalty-free. The IRS defines first-time homebuyer as a taxpayer who has not owned a home in the past 3 years.

IRS Exemption

If the event that IRS withdraws money from a taxpayer’s IRA to pay a tax levy, the 10% penalty is not applied.

Given the sheer number of applicable scenarios, it is always wise for taxpayers to consult an IRS enrolled agent or CPA before taking an early IRA withdrawal. This could end up saving them a bundle.

Substantially Equal Periodic Payments

One alternative to searching for qualified distributions (a topic often covered in most tax continuing education courses) is taking Substantially Equal Periodic Payments (SEPPs). This option allows taxpayers to take periodic payments from an IRA without having to pay any penalty.

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.…

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General Article

Psychology Continuing Education: Beyond Graduation

Psychology Continuing Education: Beyond Graduation

For a psychologist, the learning doesn’t stop when you walk away with the degree in hand. In fact, in any field of science, learning is a lifetime experience. Not only because there is such a wealth of knowledge already out there, but also because new research changes the game on an every-day basis. When it comes to psychology, continuing education is more than a requirement for continued licensing; it is a necessity to be the best possible practitioner and therapist you can be.

In psychology, continuing education is often best applied by doing in on a regular basis. Never stop learning, a wise man once said. And that is usually the best approach. Not everything has to be from an accredited institution. By studying on a regular basis and setting time aside to further your knowledge of a given subject, you will be constantly adding to your own understanding of a concept. This is invaluable as you attempt to utilize and implement that information into your own unique brand of therapy. They say that no two therapists will give the exact same advice to a patient. This is true because we each bring our own set of sensibilities and experiences to every situation. But knowing what other therapists are doing will only strengthen your own practice.

Psychology continuing education is a requirement in many states, of course. And where it isn’t a requirement for continued licensure, it may be required by your particular employer. When it comes to obtaining CEUs, you need to make sure the institution providing the coursework is approved by the state and that the credits you earn will count towards your renewal. The bar for these CEUs is typically not very high. In many states, the requirement is only twenty coursework hours every two years. The bar associations understand that a psychologist is often a very busy individual and does not want to burden them with unrealistic levels of work. The state may also require a certain number of hours be towards a specific subject, such as ethics or drug abuse.

Today, you have a number of options when it comes to psychology continuing education. Online courses are available in nearly every subject and sub-subject you can imagine. DVD courses are available from the APA and other learning institutions. Seminars and weekend workshops are given around the country for those who prefer to learn while surrounded by other intellectuals. Find your preferred method of learning and amassing those credits will be that much easier.

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General Article

Tax Preparer Certification Assures That Unusual Charitable Deductions Are Not Missed

Tax Preparer Certification Assures That Unusual Charitable Deductions Are Not Missed

One of the advantages individuals experience from using the services of someone with tax preparer certification is the capturing of uncommon income tax deductions. Taxpayers who itemize deductions benefit from uncovering all of their available tax-deductible amounts. Without professional assistance, taxpayers commonly forget to consider every possible deduction they incurred.

The benefit provided by professionals who completed tax preparer study is their knowledge about all types of tax deductions. For example, most taxpayers think that their charitable deductions are only checks they wrote to charities and donations of clothing or furniture to Goodwill. These people are cheating themselves by failing to obtain advice from a paid tax preparer.

There are several ways for a taxpayer to record additional charitable deductions. One common situation is mileage driven for volunteer work. There is no need to account for actual vehicle costs. Instead, there is a standard mileage rate for charity miles driven. This rate is adjusted every year for the cost-of-living. But tax return preparers are always aware of the latest changes from completion of their annual online continuing education credits.

All that is required for deducting charitable mileage is the date and purpose of each trip along with the number of miles. Any parking fees or tolls paid are added to the figure determined using the standard mileage rate. Even one trip for a church project is worth counting. Multiple recurring trips are easily calculated when the locations remain the same – thus making the number of miles constant for each trip.

When volunteer activities occur there are often associated out-of-pocket expenses that become tax deductions. These include any clothing uniforms, such as hospital volunteers may purchase. In addition, a volunteer may purchase snacks or drinks for charitable youth group events or buy stamps for mailings of a charitable organization.

Tax professionals with registered preparer training are also proficient in the treatment of charitable gifts of appreciated property. A growing number of charities have established programs for accepting such donations.

Charitable giving of appreciated property enables the taxpayer to avoid paying capital gain tax from selling the assets in order to donate cash. When appreciated property is given directly to the charity, the taxpayer receives a tax deduction for the asset value. The charity can sell the asset and incur no capital gain tax because it is a tax-exempt organization. But the assets must have been held for the long-term period of more than one year. Giving property held for one year or less reduces the tax deduction to the taxpayer’s cost.

Anyone who wants to obtain an extra charitable deduction and is feeling patriotic can send money to the Bureau of Public Debt. This payment reduces the amount borrowed by the US Treasury. Uncle Sam helps cover some of the cost by permitting a charitable deduction for the amount sent.

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.…

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Potential Extra Tax Preparer Work Embodied in New Payroll Tax Cut

Potential Extra Tax Preparer Work Embodied in New Payroll Tax Cut

After much debate, Congress finally agreed to an extension of the reduced payroll tax rate that was effective during all of 2011. The new law only temporarily extends the rate cut of two percent on Social Security withholding from employee paychecks. It also causes extra tax preparer work for the future returns of some individuals.

The withholding rate for Social Security tax continues at 4.2 percent through February 29, 2012. After that date, the rate returns to the normal 6.2 percent unless further congressional action is taken. The same reduced rate applies to the self-employment tax. Therefore, tax preparation services dealing with business proprietors are affected.

The most demanding impact is tax preparer 2013 duties for high wage earners. Congress mandated a “recapture” provision for employees receiving wages of more than $18,350 during the first two months of 2012. This recapture tax is added to the income tax liability of affected workers on a 2012 tax return filed in 2013.

A tax preparer continuing education course on updated tax law will provide the details pertaining to the recapture. It adds to an employee’s normal income tax calculation. No reduction by tax credits is permitted. This additional tax is imposed upon individuals with income in excess of the Social Security wage base. Because that ceiling is $110,100 for the entire year of 2012, a total of $18,350 is two months of the annual amount.

The recapture tax is two percent of wages that exceed $18,350 during January and February. No IRS guidance exists about employer reporting required for this provision. Revision is expected to employer quarterly payroll tax forms for the period ending March 31.

Self-employed individuals must carefully evaluate the impact on 2012 estimated tax payments. The recapture provision applies to self-employment tax when income for January and February exceeds $18,350. Therefore, this demands consideration when estimating the tax consequences for all of 2012.

In addition, W-2 forms for this year need revision to convey details for people subject to the recapture tax. Action on this matter is delayed by the possibility of extending the payroll tax cut past February 29. Further legislation is expected. Discussions have occurred for extending the payroll tax cut for the entire year. However, retaining a recapture provision certainly creates the potential for new tax preparer steps next tax season.

The current year tax season is also affected because workers might want assistance in reviewing the accuracy of their paycheck withholding in early 2012. Employers have until January 31 to implement the new rate. When this causes any over-withheld tax during January, businesses should make an offsetting adjustment to the pay of affected workers by March 31. A tax practitioner offering to examine 2012 pay stubs is providing additional service that could add to tax preparer fees this year. Alternatively, free review to assure 2012 payroll tax withholding complies with the law could represent an extra benefit to attract new clients.

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.…

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General Article

Continuing Education in Public Speaking – The Benefit of Taking a Public Speaking Class

Continuing Education in Public Speaking – The Benefit of Taking a Public Speaking Class

If a fear of speaking in public is holding you back then you owe it to yourself to take a Public Speaking Class as soon as possible.

Since I was a young teen I wanted to be a teacher, but the idea of standing in front of a room full of students, and sometimes parents, terrified me. See, I was very shy as a kid and well into my adulthood, so speaking in public was just not an option for me.

Once my children left home I found myself reconsidering becoming a teacher but I thought I could bypass the public speaking side of it by becoming an online teacher. That way I didn’t need to worry about who was watching me, I could just teach. But I was in for a surprise. There were no specific course selections geared to teaching through technology.

All the education classes were designed to teach me HOW to teach in front of a classroom full of people. I’ll be honest, I almost quit. But, I am not a quitter and I figured either I would conquer my fear or drop dead trying. So, as you can see I am still here, so let me tell you some of what my public speaking courses taught me.

First, I learned that everyone, yes everyone without exception, has some level of fear when it comes to public speaking. We are, after all, creatures who want acceptance and approval and public speaking opens us up to criticism, right.

Next I learned some tricks to help get me through the ordeal. Most importantly, I think, is the need for preparation. You need to prepare by researching the topic you will speak about. If you really know your subject matter, and are confident in that knowledge, speaking about it becomes much easier. It is sort of like talking to a small group of friends about something you love.

I also learned a few tips to help relieve the nervous jitters. One is to imagine your audience sitting there in their underwear. People tend to be much less intimidating when in their underclothes. Be careful though. If your imagination is too vivid you could erupt into fits of giggles and that would spoil the whole idea.

Today I am proud to say that I conquered my fears and can confidently walk into any setting and give a well prepared speech with confidence. I have also learned that I have become pretty good and speaking to small groups about things I love or know quite a bit about, without a second thought.

I truly believe that if I had not taken public speaking courses in college I would never have managed to reach a level of comfort when speaking to groups. And I will also admit that i probably would never have participated in many of the events, associations, and organizational meetings I now find myself involved with.

If you have a profound fear of public speaking the best thing you can do is sign up for a public speaking class. After all, the biggest fear really is the fear itself. You may suddenly discover a hidden part of yourself, like I did, that actually enjoys sharing your ideas and knowledge with others. Good Luck.…