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

Nurses Continuing Education Are Constantly Learning

Nurses Continuing Education Are Constantly Learning

Nurses continuing education classes are constantly learning more and more about the medical field. The reason why most nurses continuing education are taking these classes are to keep them up-to-date on the ever-changing information about medications and procedures. Keeping all nurses current helps to make sure that they are given the right information and know how to properly perform a procedure.


Nurses continuing education are required to complete a set number of hours a day when classes are being held and must be able to pass their exams. In most cases, a test will take place that requires the nurse prove that they are aware of the procedure and how to perform the it quickly and correctly.

If the nurse is unable to do it correctly, he or she will be asked to take the class over again until they learn how to do it as instructed.

Course Offerings

When looking to participate in nurses continuing education classes, the classes being offered will vary from one session to another. In most cases, the available classes will keep the nurse knowledgeable about medications and the most up-to-date information on illnesses and viruses.

If the nurse sees a patient and does not know anything about the illness or virus, not only is the patient at risk, but also the staff. This is one reason why it is important that nurses continue their education even after they have graduated from school.

Refresher Classes

Refresher classes are available to all nurses continuing education in their specified areas of expertise. The refresher class will help to make sure that all information the nurse needs is fresh in their minds; this ensures that patients are receiving the best care possible.

Once the refresher course is over, a test will be given and the nurse will be expected to pass the test with a certain score percentage or they will have to retake the test as well as the refresher course. When attending the refresher course, be sure to bring paper and pen to write down any information that you think that you might forget later on down the road.

Hands-On Training

The nurses continuing education are not only learning from the textbooks and video’s that they are watching in classes, but also learning from the hands-on experience that they can only get from working. The hands-on part is essential to learning the proper way as you are actually working on someone who can tell you when something hurts or when they feel uncomfortable.

But when working in a classroom, the mannequin is usually getting the percentage of the hands-on time. While this may be a good idea at first, the hands-on time with patients is what the nurse will learn the most from.

This is why it is essential for nurses continuing education to frequently to learn new skills. Once they learn new techniques, nurses will be given the opportunity to try it out. Once they have mastered their new skills, they will move onto another area of expertise.…

No Picture
General Article

Online Insurance Continuing Education Classes

Online Insurance Continuing Education Classes

The internet has impacted our lives in more ways than we can count. We are not just talking about the convenience of shopping online or the money saved each time we transact online banking. The biggest thing the internet has given us is flexibility, and one classic example is online insurance continuing education classes.

Insurance is a field that involves a lot of knowledge, and till a few years ago, it was required that agents head down to their local insurance training centre and spend a few hours each year as was mandated by the law of their state and get re-certified so their license could be extended. But it was quite inconvenient for a lot of people, and there are thousands of agents who lost out on their licenses because they could not make time out of their schedule and attend the classes.

After the internet took over the field of online insurance continuing education, however, the dropout percentage has come down drastically, thanks to the flexibility offered. Now, advisors can log on at any time from any place, and finish the subjects they are required to train on. Not only can they do the course online, but they can also take the test online, and get certified instantly! We know of the best online insurance continuing education classes portal which does not charge any money for agents to read the material and attempt the test. Only when the agents finish the test and pass do they need to pay the fees; and that too is only a small fraction of what one would need to shell out at an insurance academy. Example, to take the mandatory ‘Advanced Annuities’ module under California insurance law, it would cost an agent just $ 4 to read through the material (which is provided by the portal), take the test, and get certified! Compare that with what an insurance school would charge, and you know the amount of savings each module passes on to the agent.

It is very important to look into online insurance continuing education to fulfill all of your state requirements for insurance CE. You do not want to incur any state fines or penalties against your license. The last thing you want is the state to revoke your license and possibly your career and way of living! You also want to stay continuing your education for your clients. If you can’t advise them on different products and services, then who can?

Another reason why insurance CE (continuing education) online is so popular is because of the wide range of modules that can be chosen. Since training in insurance is an ongoing thing, a wide range of modules would let an agent choose new stuff each time they come into training. Not only will they avoid boredom, but will also keep upgrading their knowledge, and that’ll come in handy when they go out into the field. Check out a portal of the genre, and you will agree with us.…

No Picture
General Article

Continuing Education – Online Interactive Courses

Continuing Education – Online Interactive Courses

In this day and age online education is one of the best ways for students and adults to complete their continuing education. Continuing education can mean a lot of different things. Some adults are looking to go back to school for a bachelor’s degree or a master’s degree. Others are looking to complete professional education to better equip themselves in the workforce or to satisfy certain state requirements. In this article we are going to discuss the use of interactive courses offered online in both formal education and professional training.

First let’s talk about adults and students going back to school for a specific degree. Online courses give the students flexibility to log on and off to complete their coursework at their convenience. Interactive courses allow them to communicate with their classmates and professors via discussion board postings, live chat, or email. They give the students a way to network and form relationships with others in their class.

Interactive courses are usually powered through Moodle, Blackboard, or WebCT and are facilitated by a professor or graduate assistant. Students can post, submit papers, take quizzes, and also email other students or the professors. This kind of technology really brings the students closer to their peers even if they are thousands of miles away.

Professional continuing education is typically set up a little bit different. For instance, if you are taking an online interactive course as an insurance agent you are not communicating with other students or a professor. You are usually reading a textbook and completing short online quizzes at the end of each chapter. Once the quizzes are complete you are prompted to take an online final exam which concludes the course. So in this scenario, you are doing a lot more reading and test taking than interacting with others. Some prefer this method, but many like networking with others in the classroom.

Another big difference with professional training is there is usually no due date for the quizzes or assignments. The company you purchased the course from does not set a deadline. You deadline is actually your compliance date with the state you reside in. This gives the student a lot of flexibility and time to complete the course if planned correctly.

As you can see these are just two ways interactive courses are used for continuing education purposes. Who knows what the future holds, but online education will be around for a very long time.…

No Picture
General Article

The Importance of the Initial Sales Call

The Importance of the Initial Sales Call

A first impression is everything in this day and age. Whether you are looking for a job, calling a client, or you are on a first date the first impression is the one thing you cannot take back or do over. It is very important for a sales professional to gain the interest of the potential client within the first minute of their conversation. Their goal is to find out what the client’s needs are and show them the benefits of your product or service. Potential buyers will be shopping multiple companies so it is very important to gain their interest fast and cover everything they need to know about your offerings. The first time you speak with a potential customer is crucial to developing a long-term relationship with them. A long-term relationship can lead to future business and referrals that could lead to additional sales. In this article we are going to walk you through an initial sales call and talk about what’s important to achieve in the call.

The first step in the sales call is to find out about the buyer’s interests and needs. What product do they want and why? This is very important and can lead to closing the sale at a later time. It is important to ask the buyer open-ended questions and see what’s motivating them to seek additional information about your product or service.

Once you talk about their wants and needs you want to sell them on your company and your offerings. Talk about your benefits, the history of your company, and tell them a little about yourself. Let them know you are professional and want to do what’s right for them. If you come off as a creepy salesperson they will not do business with you. You should treat the sales call from a consultative stand point as opposed to shoving your product or service down their throat.

Finally, the closing statements a salesperson makes to the potential buyer are critical to a successful sales call. You want to be straight forward and to the point. You want to ask for the sale or make sure you schedule a follow-up call if the sales process takes a little longer than one call. After you hang-up with the client, make sure to send him/her an email with your product offerings thanking him for his/her time and providing all of your contact information for them.…

No Picture
General Article

Start Earning Your Online Continuing Education Credits Today

Start Earning Your Online Continuing Education Credits Today

Online continuing education credits offer an easy solution for the CE needs of today’s skilled professionals. Depending on your occupation and location, a state board may require you to earn a certain number of CEUs or contact hours each year to maintain your license/certification. These regulations help ensure that you are up to speed regarding best practices in your industry. This benefits your clients and your business.

Benefits of CE

Distance learning courses often cover such topics as safety, ethics, and the latest research in your field. You can use online education take a refresher course in some of the basics or to learn more about a specialty. You may choose to take more than the standard, required courses each year to enhance your career prospects. This type of continual self improvement is valued by employers and customers alike. It also keeps your job interesting. Knowing you are providing the highest level of service boosts your self confidence as well.

You don’t have to commute or travel to obtain your online continuing education credits. You simply take these courses at home in a relaxed environment. With many programs you don’t have to go through all the material at one sitting either. Instead, you can break the course up into smaller segments to fit into your schedule.

Picking the Best Courses for You

For many professions, there are hundreds of topics readily available. How do you choose the best course for you? Prioritize programs that directly advance your career. Remember that credits may only “count” if the course you take is accredited or recognized by your state licensing board. Give special consideration to classes for which you can get tuition reimbursement.

If your current career is not as fulfilling as you would like, explore CE in related fields. This may help you find a job that is a better fit. Once in a while, pick a course that just sounds like fun. There isn’t any reason your education has to be all about business all the time.

Ways to Take Courses

Some online courses offer interactive teaching through conferences and seminars. These may be held via phone or webcast. This virtual classroom setting works well for complex topics that you may need to ask additional questions about. Other programs are solitary so you can work through the material at your own pace.

One advantage of earning online continuing education credits is the speed with which you get your test results. With many courses, you can immediately print out confirmation of the credits you have earned.

Online courses range in price from less than $20 for a short program that earns 1-2 contact hours to thousands of dollars for earning an advanced degree. Your employer may be willing to pay your tuition for programs that directly relate to your current job. GI benefits, and student loans are other possible options for covering the cost of CE.…

No Picture
General Article

Advice to S Corporation Owners Adds Value to Enrolled Agent Relationship

Advice to S Corporation Owners Adds Value to Enrolled Agent Relationship

One of the benefits derived from obtaining the enrolled agent designation is that it permits you to promote yourself for having the highest tax specialist status. Therefore, in addition to preparing tax returns, your advice about taxes carries significant value.

Few cases are more important uses of an enrolled agent course than advising taxpayers who operate S corporations. These individuals are confronted by increasing IRS scrutiny due to their special tax situation. The benefit of creating an S corporation is that the profit is not considered self-employment income. Therefore, unlike an unincorporated proprietor, S corporation shareholders don’t pay self-employment tax. That’s the tax covering Social Security and Medicare contributions.

In exchange for this tax benefit, the IRS requires an S corporation to pay reasonable wages for the work a shareholder performs as corporate officer. These wages do incur employment taxes for Social Security and Medicare. But the profit remaining after paying officer salary still escapes these taxes.

Such cases call for you to utilize your enrolled agent continuing education in payroll matters plus provide recommendations to help determine the officer wages. The IRS is concerned about S corporations that pay unreasonably low wages, which causes low assessment of Social Security and Medicare taxes.

In order to increase collections of employment taxes, the IRS requires “reasonable” wages for corporate officers – regardless of their positions as shareholders. The facts provided in an enrolled agent ethics course apply greatly to S corporations. Distribution of profits without reasonable salary is an undesirable tax avoidance scheme.

As the IRS steps up its legal actions in court against S corporation shareholder officers with low wages, establishing a reasonable salary for corporate officers is increasingly critical. The tax code doesn’t have a formal definition for “reasonable” wages. An S corporation shareholder who is also a corporate officer should receive compensation that’s similar to the amount expected in arms length negation.

In most cases, wages – which incur employment taxes – should exceed profit distributions to shareholders – which escape employment taxes. This of course limits the tax savings for an S corporation compared to a proprietorship. In fact, calculating the benefits of creating an S corporation becomes a mathematical exercise based upon business profit. For existing businesses with predictable profits, enrolled agents can measure the expected tax savings from creating S corporations as successors to proprietorship operators.

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

Comparing Different Types of Continuing Education for Teachers

Comparing Different Types of Continuing Education for Teachers

A while back, I posted about continuing education requirements and opportunities for teachers. Now, I’m going to talk about what I feel are the pros and cons of different types of Continuing Ed. What’s best for you really comes down to your learning style. Most people are auditory, visual, or kinesthetic learners (or a combination of the above). Your personal learning style will weigh heavily on what form of continuing education is best for you.


Pros: Self study is a broad area. Most of what I have come across, is in the form of a book. You read the book, take a quiz, send in your answers, they send you a certificate. If you want to be able to go at your own pace, and have the book available to go back through when you are working on the quiz, this is a good choice. Books are also the way to go if you like to keep the books on your shelf for future reference.

There are a few books that I have read that are fabulous, such as “Raising Your Spirited Child”, by Mary Sheedy Kurcinka. This book is not one that has a quiz that can be sent in for a certificate. It is, however, worth reading! You will learn a lot about yourself, as well as the children in your care (or your own kids if you are a parent). I read it every couple years. Being able to keep a copy on your bookshelf of high quality books is a good thing!

If you are working in a child care setting, and are only looking for hours to meet state requirements, reading a book and writing a report on it may be an option. Unfortunately, to my knowledge, book reports are not accepted towards Clock Hour requirements for relicensing.

Another form of self-study is in the form of on-line courses. Online courses are available through some colleges or through companies such as the Professional Learning Board. Most of the courses have some interaction, drag and drop “Check Your Understanding” activities, quizzes, videos to watch, etc. Some courses have audio available. These fit with my learning style better than strictly text.

Cons: I am not a fast reader, and I often fall asleep reading. Self-study books are a good choice when I want to take my time, but not when I’m trying to keep trekking though information. For me, the content of the book also plays a role in how effective this type of study is. If I am reading new information that is well written, I am more engaged. If what I am reading re-hashes information I’ve already read about, I may struggle to get through it.

Workshops/Staff In-service Meetings

Pros: Workshops (at least the ones I have been to through the Appelbaum Training Institute) are fun, interactive, and definitely engaging! There’s something to be said for sitting with a group of other professionals who deal with the same day-to-day issues. Some of the people in the room have amazing ideas you can learn from, while others may learn something from you! Many of the speakers I have seen, mix personal experiences with humor. The personal/emotional connections are what make workshops among my favorite means of acquiring continuing education hours.

Most workshops I have been to, give out packets to take notes. PowerPoint slides, fill in the blanks, etc. may be included in those packets. This allows for several learning styles at once to be tapped into. Your brain is engaged through taking notes, you are listening, you are reading, your emotions are being tapped into…

Some staff in-service meetings may include training that will earn you continuing education hours. The advantage is that you are there with your peers. You are all learning the same thing, and can discuss how it directly applies to the children in your care or your classrooms.

Cons: Most workshops take up the better part of a day (or in some cases, multiple days), often on weekends. This can take up time that you would normally spend with your family. If you are a single parent, that is a pretty significant burden. There is also the unwritten cost of traveling to the workshop you are attending.


Mentoring student teachers is probably my favorite way of earning continuing education hours! It is not necessarily something you can ask for. Your supervisor must feel you are ready to take on the responsibility. Being asked to mentor a student is, in itself a huge honor! It is also a huge challenge. You must be on your top game at all times. There are small intricacies in what we do every day that we may not even realize. Student teachers are watching and pick …