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

All About APA Continuing Education Courses

All About APA Continuing Education Courses

The American Psychological Association is the biggest established society for psychology in America. This organization strives to utilize the expertise of psychology to enhance lives all over the world. Education, research, and usage of psychology is the quest of this organization and its members. The goal is to increase health and prosperity in human beings. There are many students in the world today studying the field of psychology in hopes of working in this field. Those who practice in this field must keep their licenses up to date. APA continuing education classes are available for all who need to do this.

Those who choose APA continuing education courses need to make sure that the network offering the courses is legitimate. It is important that the courses meet the requirements of the American Psychological Association. With all the research done on the human mind and sensibility, there is always more to learn in the world of psychology. Ongoing classes provides professionals the opportunity to stay abreast of necessary knowledge. All of this should be done so that each professional can provide the best possible care to all clients and know about of all the latest developments in treatment of the mind.

It is imperative that those practicing psychology upkeep their licenses. And this is why APA continuing education courses are so accessible today. It is easy to browse through a selection of the courses offered. This list can be found online as well as information on how the course providers are accredited by the boards and other organizations. The classes can be completed online so that they are finished in a well timed manner. By utilizing the resources online, professionals have access to many things including creating connections with other members of the American Psychological Association. Learning is definitely the key to success.

Courses offered as part of the APA continuing education are always available for enrollment. With the American Psychological Association being so strong on learning and knowledge, these courses will always be easy to find and to take. Psychology is one of those fields that is necessary in today’s society. The study of the human mind is steadily becoming a more pursued career path in many different ways. And those who currently practice in this field have very rewarding experiences. Taking the proper courses will ensure that professionals continue to have these experiences as well as become more efficient in the way they can serve others.

When it comes to psychology, The American Psychological Association is the very best organization to be a part of. It is the leading establishment with over 150,000 members today. No other establishment has the credentials that this one does. So of course APA continuing education courses are only going to enhance the capabilities of the professionals involved. This entire process ensures that professionals in this particular field of healthcare are contributing to the betterment of society by healing others. Like most other sciences, psychology is an area where the learning process never stops. The more knowledge earned is the better.…

No Picture
General Article

The Top Things to Consider in an Online Degree Program

The Top Things to Consider in an Online Degree Program

Online education is growing every year. There are more online degree programs out there than ever before. More schools are offering online degrees to stay competitive. Many students, especially adult learners love taking classes online. There are more options for an online student than a traditional student taking classes on campus. An online student can choose any school in the United States as opposed to just a local University. Today, we are going to talk about some of the most important features a student should consider when deciding on an online degree program.

One of, if not the most important thing to look at is the school’s accreditation. You want to make sure the University is regionally accredited. This is the highest level of accreditation according to the U.S. Department of Education. There are six regions of accreditation depending on where the school is located. Accreditation will allow you to transfer classes from one school to another, pursue higher education, and most importantly an employer will recognize your degree. National accreditation is actually a lesser accreditation.

Another factor to consider is price and how you plan on financing your education. Are you going to put it on a credit card or use financial aid? Does your company offer any type of tuition reimbursement? These are all things to consider when choosing a program. Remember if you are considering financial aid, at the graduate level only student loans are available. So you will have to pay that money back plus interest. Also, if your company offers tuition assistance make sure to check their policy once you complete your degree. Many times they will require you to stay with the company for a certain amount of time (usually 1-2 years) or you will be required to pay your company back.

Finally, the structure of the online classes is very important to most students. Are you taking one class at a time or three? What is the duration of the courses? Are they five weeks long or 10? If you are a working professional you need a program that fits your schedule. You may only have a certain amount of time to dedicate to online learning. Are there live chats that require you to be online at a specific time or is everything asynchronous? Is there group work? These things are important to ask your advisor before enrolling in your first online class.…

No Picture
General Article

Army Continuing Education

Army Continuing Education

Army Continuing Education is an effort that is highly encouraged. From a private to a Sergeant Major, all are encouraged to enhance their educations and obtain their degrees. Officers are also encouraged to further their education, in their chosen field and with other opportunities. Army Continuing Education is a theme that is often heard throughout both the active duty Army and its reserve and National Guard components.

Each Army base has some form of Education Office. A soldier can visit this office for information on continuing education. They can sign up for correspondence courses. They can take the CLEP test. They can see an education counselor to plan for their college education. Some education offices offer college classes on the premise where others work with colleges and universities in the area to provide classes for military members to attend. However, online military-friendly universities offer great flexibility for active-duty soldiers who need their study schedules to fit around their military responsibilities.

Each enlisted soldier attends an Advanced Individual Training Course also known as an AIT. This is their job specialty and the area they will work on during their Army career. Once they graduate from this course and are shipped out to their first duty assignment, they are encouraged to start taking correspondence courses in their MOS, Military Occupational Specialty. They can also take correspondence courses in basic soldier skills, such as first aid, NBC and a land navigation course. The Army rewards soldiers with promotion points for every five credit hours of correspondence course they finish.

CLEP test are available to soldiers. These tests are where college classes can be challenged. A soldier who takes these tests and passes will be awarded college credits. They are available in many different topics, such as math, English, science and specialties such as nursing and computers. The education office will have a list of available test. These tests are available at no cost to soldiers who qualify for the specific test and pass them.

The Army also encourages continuing education through its Tuition Assistance program. Through this program, the Army will pay for up to 100% of the tuition cost for qualifying classes. This program provides financial assistance to active duty soldiers to obtain college credits toward their degree. This form of Army continuing education is available all over the military community. The program covers $250 per credit hour for any qualifying class. The solider will be responsible for any cost for books or incidentals. A soldier must also apply themselves to pass the class. If they fail the class they will have to pay back the money that was paid for them to attend.

The Army has a wide variety of programs that it offers to encourage soldiers to continue their education, even after serving on active duty. The Veteran’s Administration administers the many GI Bill benefits that are available. A soldier who has served their time and qualifies may be able to qualify for further financial assistance to obtain their degree.

Also available are scholarships geared specifically for those who served on active duty. Some may even qualify while still on active duty. The education office or the Veteran’s Administration may have this information as well. Schools counselors may also be a source of information for this continuing education resource.

The Army continuing education effort is for the soldiers that serve our country proudly. It gives them the opportunity to receive job training and an education while doing that service. A soldier who applies themselves can leave the military with job skills, job experience and educational benefits.

This article is based on publicly-accessible information and has not been reviewed or approved by any military branch.…

No Picture
General Article

Engineering Business – 5 More Keys to Keeping Your Expenses Low

Engineering Business – 5 More Keys to Keeping Your Expenses Low

Welcome back! So far we have discussed five possible ways to reduce expenses. I guess by now we have got you thinking about some different ways to reduce your company’s expenses. There is many more cost saving strategies that you can implement. Do you have the best insurance for the lowest price? Are you taking all of the possible deductions on your taxes? Are you having questions as whether to buy new or used, or just rent equipment? There is multiple cost saving strategies that can be implemented without having to cut staff.

In Part 1, we discussed the following strategies:

Key 1: Recording Your Expenses

Key 2: Using the Internet over the Postal Service

Key 3: Making use of Telecommuting

Key 4: Negotiate better Lease Terms and Rates

In Part 2 we discussed another key financial strategy:

Key 5: Office Location

Now, we will discuss 5 more strategies to decrease expenses and increase profits without cutting staff.

Key 6: Buying other Businesses Assets – Why buy new equipment and furniture when there are plenty of businesses closing their doors no matter the economic conditions. There are always good deals at other businesses liquidation sales. They are usually in a hurry to unload their assets, and are willing to accept any reasonable offer. Other sources to check are auctions, resellers, and liquidators. You may find some office equipment and furniture in second-hand stores or refurbished Office Furniture stores. If you know of small business owners who closed their business, they probably have a garage or public storage unit full of boxes, equipment, and furniture from their offices. Let them know that when they are ready you maybe interested in some of the items.

Key 7: Control Office Expenses – Try to keep the office supplies expenses as low as possible. Since office supplies are loose items staff may unknowingly abuse the supply. Take the case of pens. Pens are often left behind in the field, and then replaced once back at the office. If your average employees losses two pens per week that may be $2 a week or $104 a year. If you have 10 people employed by the business, your firm is losing $1,040 per year of loss profits. Some of the key areas to observe are listed below:

Cell Phone Usage – Only the staff members who spend time away from the office should have a company cell phone. Each staff member cell phone usage log should be reviewed. If the phone is being used for other than company matters, the additional minutes should be questioned. Were there is excess personal time on the cell phone; the company should bill the staff member. Another item to look at with cell phone usage is to reduce long distance charges by purchasing phone cards.

Photocopiers and Plotters – If you are not careful, it is pretty easy to print a lot of paper on these machines. Especially, when you are printing draft copies. Drafts should be held to a minimum. In most cases drafts can be reviewed on the computer screen even large sheets like 24″x36″, unless you have a really small screen, and in that case the office should invest in buying new monitors. Eating up a roll of plotter paper can be expensive when you include the cost of the roll and the plotter ink.

Keeping Track of Equipment and Supplies – As we mentioned above, even the smallest thing like losing pens can cost the company a lot of money. Keeping track of where the supplies are going, you may find out who unknowingly or willfully is being wasteful.

Key 8: Marketing Budget – In most cases the Marketing Budget should never be reduced. In fact, during a slowing economy the marketing efforts should be significantly increased. But with that said every effort should be made to question every marketing campaign. Is the money being spent, actually getting results? The good news is that most engineering marketing does not cost very much. If you find that your firm is spending thousands of dollars on advertisements in the yellow pages, and none of your clients even noticed the advertisement, then it might be wise to reallocate your marketing budget to venues that actually gets results.

Key 9: Review Your Insurance Policies – How much is your company spending on insurance? There are several types of insurances; business, errors and omission, health, property, and so on. If you haven’t compared insurance rates in several years, it’s probably time to shop around. While you are doing this, re-evaluate your coverage. You quickly lower your insurance rates by increasing the deductible. If your deductibles $500, increase to at least $1,000 (then put this amount in an interest-bearing bank account …

No Picture
General Article

Top Trends in Education

Top Trends in Education

There have been a lot of changes in the education world over the past few years. The government has been cracking down on for-profit schools and their enrollment practices. Large Universities have started to launch more online degree programs and competition is fiercer than ever before. There have also been budget cuts in state schools leading to layoffs in multiple departments. Most schools are doing more with less. In many schools enrollments have increased so it is weird to see the budget cuts taking place. For schools that have not developed online courses they are hurting the most. The education industry is counter-cyclical; meaning when the economy is doing well and people have jobs enrollments in schools actually decrease. On the other hand, when the economy is in a slump or recession more students go back to school. They feel they have to get a degree to be more competitive when searching for a job or impress their boss to keep their job.

Even though online education has increased over the years, there were a couple of schools doing business unethically, according to the United States Government. The government felt Kaplan University and University of Phoenix were enrolling students that were not necessarily qualified for their online degree programs. They would admit the students and help them with all of their financial aid paperwork. Unfortunately, the students were not passing the courses which led to them defaulting on their student loans. So the students were incurring debt, late fees, and not receiving their degrees. This was a big issue according to the government and their investigations. They went in and cleaned house so to say. Both schools had to lay off employees due to the government’s findings.

Online degree programs have had their share of criticism over the years, but that hasn’t slowed them down. Now that state Universities are launching online programs the public view an online degree as equivalent to a campus program the majority of the time. Because schools like Boston University, Penn State, and University of Cincinnati offer online classes and degree programs employers are starting to accept more and more degrees completed online.

In summary, even though enrollments in online degree programs are up some schools are feeling the heat. They have since altered their enrollment practices to stay compliant with the United States Government. State schools are offering more and more online programs to stay competitive in the market and increase their revenue. And finally, remember the education industry is counter-cyclical so if enrollments are down it could be because the unemployment rate is also down.…

No Picture
General Article

The Benefits Of Social Work Continuing Education

The Benefits Of Social Work Continuing Education

Social work is a difficult job. Everyone in this field experiences challenges and frustrations from time to time. This is why so many of us find ourselves going back to school for social work continuing education. Not only does this improve your job opportunities, but it also allows you to give more to the people you work with.

Learn New Skills To Meet New Challenges

One of the reasons lots of people pursue social work continuing education is that things are always changing. There are always new problems facing teens and adults, and we have to stay ahead of these changes if we’re going to treat them. These courses always offer classes on the latest things happening in counseling and other fields. Learning these things gives you the skills you need to deal with these new challenges.

Stay Current On The Latest Findings

Not only are we better prepared to deal with new problems, these courses also teach us the latest things that are happening in every field. For most of us who go back to school for social work continuing education, it’s been many years since we were last in a classroom. With new studies coming out in sociology journals every month, it’s tough to stay current with everything. These courses get you up-to-date.

Study Things You Didn’t Focus On Before

We all know that the more various one’s approach to counseling is, the more successful it can be. There are lots of gaps in the knowledge of every worker in this field. Social work continuing education courses can help you fill in the gaps and study coursework that is slightly outside of your field. By focusing on things you didn’t study so much before, you greatly expand your skills set and knowledge.

Network With Other Social Workers

Social work continuing education courses allow us to make more contacts in our respective fields, and this has lots of benefits. Of course it helps with job searching and other practical concerns, but even more importantly, it offers support when we need it. The chance to meet and talk with your peers helps you to build a support network. You can share ideas and help each other out when things are difficult.

Get Better Jobs

Finally, there’s one huge practical benefit to pursuing these courses – It makes it easier to get a good job, and opens up more opportunities for you after you graduate. Giving your career a boost is one of the major reasons why people go back to school. It’s a fact that most jobs in this field require special certifications and higher-level degrees.

If you’re interested in social work continuing education, it’s important to find a course that works well for you. There are lots of options available, so it’s something you should spend some time researching. You can either choose a traditional classroom setting if you’d prefer the face-to-face contact, or an online course if your busy schedule doesn’t permit. Check it out, do your homework and choose the course that’s right for you.…

No Picture
General Article

Why Insurance Continuing Education Classes Are So Important

Why Insurance Continuing Education Classes Are So Important

All insurance and financial professionals are required to take some type of continuing education. Every license and state differ, but agents must keep up to date with current rules, regulations, and new products available to their clients. Online insurance education is one way for an insurance professional to complete their continuing education hours. Many states allow continuing education to be done completely online as opposed to in a classroom. Agents prefer online classes because they are flexible, easy to use, and affordable. They can complete all of the continuing education requirements from anywhere in the world as long as they have an internet connection. If an agent chooses to sit in a classroom they will have to find a local seminar and listen to an instructor for however how many hours the course is worth. Sometimes this could last an entire weekend or more.

Continuing education is important for three main reasons. An agent must complete their insurance continuing education every 1-2 years to keep their license active. This is important because selling life/health insurance is typically an agent’s way to earn a living. If an agent falls behind on their education requirements their state could fine them or even suspend their license. Another important reason to complete your continuing education is to keep up to date with the latest rules and regulations your state has implemented. Without ongoing education an agent might be breaking the law and not even know it. And finally, the third reason is based on offering the best possible products to their clients. If an agent doesn’t complete their continuing education they might not know about the latest annuity available for example. These courses will keep the agent up to date on industry trends which will ensure their clients are receiving the correct advice when purchasing policies.

Because each state and license type have different educational requirements it is beneficial to contact a provider or your state department of insurance to find out what classes you need to take and how many hours you need to stay in compliance with your state laws. The courses you choose are important because some states will require an ethics course while others will not. Also, most states will not let you repeat the same course within a two year period. Finally, many states allow carry over credits. These are credits you took above and beyond your requirements the previous compliance period. Typically, you are able to use the remaining credits towards your credit requirement the following term.…