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Who Qualifies for the Post 9/11 GI Bill?

Who Qualifies for the Post 9/11 GI Bill?

The Post-9/11 GI Bill is available to anyone who served honorably in the military for 90 consecutive days on or after September 11, 2001. It’s also available to those who served 30 days and were discharged with a service-connected disability. Under some conditions the military members benefits can be transferred to a dependent. It is the responsibility of the service member to initiate their request for benefits or to request transfer benefits to a family member.

Tuition payments are based on the highest in-state tuition rate at an Institute of Higher Learning within the state where the school is located. In addition, qualification support is dependent on where the recipient lives and the type of degree or training they are looking to attain.

Benefits of the Post-9/11 GI Bill include:

Provides up to 36 months of education benefits

Payable for education/training received on or after Aug 1 2009

Includes undergraduate degrees, graduate degrees, and technical and vocational schools

Also included is tutoring assistance, reimbursement for certification and licensing testing

Cost of tuition/fees, not more than max in-state tuition of most expensive public state school

Monthly housing stipend, up to E-5 (w/dependents) Basic Allowance for Housing at school location

Annual stipend for books/supplies, not to exceed $1,000 and based on enrollment

A one-time rural benefit payment for eligible individuals

Benefits available up to 15 years after leaving active duty

New 2011 Post-9/11 GI Bill benefits (in addition to those above) – Effective 1 Aug/1 Oct 2011

Some National Guard who mobilized after Sept 11, 2001 are now eligible

All public school in-state tuition and fees now payable

Private school reimbursement capped at $17,500 annually

Housing allowance available for students enrolled 100% in online/distance education

Covers non-degree programs, on-the-job training, and flight training programs

Active duty qualify for the $1,000 book stipend

Benefits cover undergraduate through doctorate degree programs

Licensing, certification tests, and national exams are reimburseable

Note: The Yellow Ribbon Program is available to cover some out-of-pocket expenses not covered by the Post-9/11 GI Bill Program. However, this is a separate benefit with its own set of guidelines and rules so make sure your school is participating in this program before applying.

For the specific rules, formulas, and guidelines that encompass the Post-9/11 GI Bill and the Yellow Ribbon Program, go to . To apply, either go to or register through the VA Certifying official at the school or training facility you want to attend.…

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The Most Significant Tax Changes for 2010

The Most Significant Tax Changes for 2010

There are several important new tax breaks for taxpayers on the 2010 Form 1040, and several more have been eliminated all together. Some of these tax breaks are pretty straightforward, while others are complex and involve choices.A� In most cases, though, they will save taxpayers money.

For this reason these developments stand to benefit tax professionals, like certified public accountants and IRS enrolled agents, who many taxpayers turn to for guidance during come tax time.A� Jeffrey Weeks, an enrolled agent who recently passed his prometric EA exam, sees these changes as opportunities to reach out and show taxpayers “how professionals like us can increase the amount they get back at the end of the year.”A� Because enrolled agents and other tax professionals are required to enroll in continuing education tax courses-a requirement for maintaining EA certification and a high standard of knowledge in taxation-they are poised to help taxpayers successfully navigate changes in the tax code.

Below is a summary of the biggest tax changes for 2010 that tax professionals should pass on to their clients:

Top 8 Items for Individuals

1. Roth IRA Rollovers Restrict-free. Taxpayers are now free to make a qualified rollover contribution to a Roth IRA, regardless of modified AGI amount.

2. Option to Spread Out Rollover Income. Half of any income from a rollover or conversion to a Roth IRA from another retirement plan is included in income in 2011, and the other half in 2012 (unless taxpayers opt to include the total amount in 2010).

3. No Limits on Personal Exemptions and Itemized Deductions. Starting in 2010, taxpayers will not longer lose deductions for personal exemptions and itemized deductions, regardless of the amount of adjusted gross income.

4. Reduction in Limit on Personal Casualty and Theft Loss. The $500 limit that applied for 2009 has been replaced by a new rule: each and every personal casualty or theft loss is limited to the excess of the loss over $100, which translates into larger deductions and thus greater tax savings.

5. Corrosive Drywall Damage Recognized. taxpayers who experienced the misfortune of corrosive drywall in their personal residence or household appliances between 2001 and 2008, and had to pay to have the problem fixed, may be able to deduct those amounts as casualty losses thanks to a special safe harbor from the IRS (that treats this damage as a casualty loss and includes a formula for calculating the loss).

6. Homebuyer Credit. First-time homebuyers who took the plunge and purchased a home in 2010 may be able to claim a first time homebuyer credit for a home that was purchased in 2010, provided it cost $800,000 or less and was bought after April 30, 2010.

7. Adoption Credit Increased. The maximum adoption credit has been increased to $13,170 for adoptions across the board and is now refundable, meaning qualifying taxpayers get the credit even if it exceeds their taxes.

8. Charity Gifts Continue to Pay. The IRS has extended the provision that excludes up to $100,000 of qualified charitable distributions (distributions to a charity from an Individual Retirement Account).

Top Items for Businesses

There are a number of tax breaks that will impact businesses as well, including the following:

1. Luxury Auto Limits. First-year luxury auto limits for vehicles put in service in 2010 are $11,060 for autos and $11,160 for trucks or vans.

2. Self-employed Health Insurance Deduction. Beginning March 30, 2010, self-employed individuals who paid for health insurance may be able to include deduct premiums paid to cover child under age 27, even if the child was not a dependent. Additionally, health insurance costs for taxpayers and their families are deductible when figuring the 2010 self-employment tax.

3. Small Business Health Insurance Credit. Effective December 31, 2009, there is a new tax credit for small business employers who have made contributions to help their employees purchase health insurance. Though this credit tends to be exceedingly complex, it can result in substantial tax savings to those that qualify. In general, the credit is 35 % of premiums paid and can be applied against regular and alternative minimum tax.

4. Section 179 Expensing Expanded. As a way of helping small businesses recover the cost of capital outlays in a timely manner, The IRS is now allowing small business taxpayers to write off these expenditures in the year they are made instead of recovering them through depreciation. Previously, such taxpayers could only expense up to $250,000 of qualifying property-machinery, equipment and software-used in service during the tax year. In legislation enacted in the fall of 2010, this limit was increased to $500,000 and the investment limit to $2,000,000.

5. Special Depreciation Allowance. Businesses that buy and use property (after September 8, 2010) can now claim a depreciation allowance equal to …

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Insurance Continuing Education – Options and Requirements

Insurance Continuing Education – Options and Requirements

Insurance education available online provides you with courses in Life, Health, Property, Casualty and lot more. There are more than 350 courses available in the continuing insurance education program including specific programs for different states. You have the option of long term and short-term continuing insurance education programs too. Therefore, choose the programs depending on the time that you can dedicate and the State in which you are applying for the examination, you can choose courses of your specialization.

Insurance industry is regarded as the most competitive market wherein although the job opportunities are available in plenty the competition the competition is too high. To survive the stiff competition, you need to be not just highly talented and skilled but well qualified too. The continuing insurance education program gives this qualification. You can specialize on the subjects depending on your area of interest. Many reputed schools offer the continuing education course however opting for the online program is the best possible option. You don’t have to dedicate any extra time going to a college or take a break from your existing personal or professional commitments. Therefore, this affordable, flexible, convenient method of education forms an important part in availing some of the best job opportunities. Take a break from the conventional classroom studies and opt for the online continuing insurance education program. The number of credit hours varies from each state.

You can avail the pre-licensing training program online sitting comfortably at your home. The module is mailed to you once you select the course that you want to undergo. All kinds of debit and credit cards are accepted and you receive an acknowledgment mail along with a password once your payment transaction is done successfully. Availing the certification makes you a licensed insurance agent. These online continuing insurance education programs are highly preferred by many insurance companies while hiring.

Education programs in Life and Fire Casualty or Property and casualty are important courses as they are related to the daily lives of people. You can find people looking for these kinds of insurance policies and as the demand is high in this genre, you have the chances of capturing this potential area and earn a decent amount of money.

Opt for the continuing insurance education certification and bring a difference in your life with better employment opportunities. Pursue this program online and get certified immediately. You do not have wait long for results. You will receive the certification if you are qualified (i.e. if you achieve more than 70%) through e-mail and this certification comes with a license number which acts as an identification too. Go online to find out more details about the education program and be enrolled for a bright career in the insurance industry. There is no dearth of employment opportunities in the highly competitive insurance sector. However, with skill, talent and qualification you can definitely earn loads of money.…

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Steps to CNA Continuing Education

Steps to CNA Continuing Education

It is no secret that in this slow economy, jobs can be hard to come by. As the baby boomer population continues to age, however, health care professionals are increasingly in demand. In fact, Certified Nursing Assistants (CNA) are more needed than ever before. If you need a job, and are considering going back to school, CNA continuing education is one route that you can go. Becoming a CNA requires relatively little schooling, compared to many jobs in the medical field, and the current nursing shortage means that there is no lack of employment for CNA’s. If you want to become a Certified Nursing Assistant, however, there are a few steps you will have to take in order to become qualified.

Most CNA continuing education programs require their students to have a high school diploma. If you did not complete high school, however, there are a number of ways to obtain your high school equivalency. The GED test, or General Educational Development test, can verify to potential colleges that you have the knowledge level required to graduate high school. The High School Equivalency test, or HEP, offers additional support services. In order to take the HEP, however, you must have worked at least seventy-five days on a farm over the last two years.

Once you have obtained your high school diploma, GED or HEP, you can enroll in CNA classes. The basic classes cover the policies, laws and procedures relevant to the CNA profession. These classes involve roughly 120 hours of class time and are offered by a number of organizations. Traditionally, students have taken their CNA classes through a local community college or vocational school. The internet, however, has provided a means for many students to take these classes at home. Online classes may offer greater flexibility than college classes, but do not offer the same level of teacher-student interaction. Regardless of where you take your classes, it is important to make sure that you are taking them from a state-accredited institution.

Although classes may be taken from the comfort of your home, CNA’s must also complete a certain number of internship hours. These hours must be performed under the supervision of a CNA teacher, and they will give you the hands-on experience needed to excel in the field. Internship requirements differ somewhat from state to state, so it is important to research the number of hours you must do before you begin.

Once your training and internship are complete, it is time to take the CNA exam. While it may be possible in some states to take the test online, you will probably have to find a nearby testing center. Once you have passed, you are considered a qualified CNA and you can begin the process of contacting potential employers and handing out resumes.

Being a Certified Nursing Assistant can be a demanding, thankless job. If you are a dedicated, nurturing person, however, it can also result in a very rewarding career. In the end, many people have found CNA continuing education to be a worthwhile decision.…

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Required Courses for Continuing Education

Required Courses for Continuing Education

Ongoing education is mandatory in almost every profession these days. Every license type has specific rules and regulations in the United States for the agents to abide by. These laws are in place for the good of the agent and the consumer. If agents were not required to complete their continuing education courses they probably would not do it and they would fall behind on new products available to their clients. More importantly, professionals could fall behind on new laws and regulations being passed over the years. For instance, if someone has been licensed to practice law for the last thirty years and they have never done continuing education they may be breaking the law and not even know it!

Each state and profession has different requirements for continuing education. For instance, in Florida insurance agents need to complete at least three hours of Senior Suitability continuing education every two years. This is a required course do to the senior malpractice suits that have been on the rise in recent years. Ethics is also a very popular course that most states require an agent to take every compliance period. Ethics deals with doing the right thing and helping your clients achieve their financial goals, not yours. Making ethical decisions is very important in every profession. In the state of California every agent selling long-term care insurance to the elderly are also required to take at least three hours of continuing education credits in long-term care insurance every two years. As you can see, each state and license type require different courses specific to what line of business they are in.

Many of your credits can be completed either online or in a classroom. Every state and license type has their own rules the licensee must follow. For instance, in the state of Illinois an insurance agent must do their three hour ethics requirement in a classroom while the state of California allows you to do all of your continuing education online. If you have any questions on how many hours you owe, it is recommended to contact your state department for a detailed list of courses you need to take and how they need to be completed. You can also call an approved continuing education provider and they should be able to look up your record and assist you with purchasing your courses. Always make sure to fulfill your requirements by the deadline to avoid any state fines.…

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Christian Promotion and Jobs – 4 Steps To Preparing to Be a Leader

Christian Promotion and Jobs – 4 Steps To Preparing to Be a Leader

Do these words go together? You better believe it. If you want a promotion on your job, you need to become a better leader. Everyone is called to be a leader at some point in their life. You never know when you are going to be called to be a leader. In this article, you are going to learn 4 steps to becoming prepared to be a leader at any given time. This will give you the edge when it comes time to be promoted to a better position at your job.

4 Steps To Be Prepared To Be a Leader.

1. Continuing Education

2. Monthly Seminars

3. Leadership Conventions

4. Read 15 minutes a day minimum.

Continuing Education

It is important to get continuing education for any profession. TEAM has a continuing education program which consists of 2-6 cds weekly and 1-2 books every month. This is a personal development and leadership training system that you receive bi-weekly. You will receive cds that will touch all areas of your personal and professional life.

For the price of a guru course or one-time seminar, you can be getting ongoing education that you can learn and apply daily.

Monthly Seminars

You can attend a live TEAM leadership seminar once a month to be associated, get motivated or just learn more about leadership. If there is not a location near you, it is possible to watch a live webinar.

It is very important to become associated with positive like-minded people. If you can hang around with leaders on a monthly basis, you will get motivated to be more successful.

You become like people you hang around. If you want to catch the flu, get around people with the flu. If you want fleas, get around dogs that have fleas. If you want to expand your dreams, get around dreamers.

Leadership Conventions

You can attend a quarterly TEAM Leadership conference. Your life will be changed as you listen to leader after leader and keynote speakers. Top economist, Paul Zane Pilsner was a keynote speaker at several of the TEAM leadership conventions.

Reading 15 Minutes a Day.

One of the best habits you can start today to become a better leader is read 15 minutes a day. I have written before that you should get in the habit of starting your day off by reading one Bible verse a day. I would definitely recommend reading a book, preferably on leadership every day. TEAM sends out 1-2 books a month on a regular basis. This is a book chosen by the TEAM policy council to help develop leaders developing leaders.

Now that you know 4 steps to preparing to become a leader, the next step is to check out the TEAM leadership and personal development system.…

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Steps in Getting Physical Therapy Continuing Education

Steps in Getting Physical Therapy Continuing Education

Physical therapists work every day with people suffering from everything from a bruised hip to combat trauma. As a result, physical therapy continuing education is critical in keeping up to date on the latest therapies.

Selecting a Speciality

As with many things today, the term PT encompasses a broad range of disciplines. So, in looking at physical therapy continuing education, you really have to focus or one or two areas. You can take classes in athletic training, massage therapy, occupational therapy, special education, and then speech and language therapy. Under occupational, you can further specialize in helping people recover from severe trauma. This can include vehicular accidents and military injuries. There are also geriatric and paediatric specialities; the former helps the aged, and the latter deals with children.

Checking Your State’s Requirements

Every state has varying degrees of requirements as to physical therapy continuing education. As a physical therapist, you’ll be licensed by the state, and can check with their department of professional regulation to see what those rules are. In some cases, classes are required to be taken yearly, others every two years; some classes can be taken online, and with others you have to appear in person. Also, the state’s website can give you a list of approved continuing education providers.

The Four Forms of Physical Therapy Continuing Education

As of 2000, a bachelor’s degree was declared to not be enough to practice in this field; a master’s or doctorate is required, and there are four ways to earn either. With the master’s degree, you can either get a direct entry or a transitional. The former is if you have a bachelor’s degree in another subject and you want to switch to PT, and it generally lasts two years. The latter is if your bachelor’s is in PT, and is often completed in a year. The doctorate is the same way – direct and transitional – and it applies in the same manner.

Online Classes

With physical therapy continuing education, it’s hard to believe that some classes could be offered online – as it is a hands-on profession. However, there are classes related to the non-physical therapy aspects of the profession that you can take this way. You can learn about reimbursement policies, dealing with managed care (HMO’s), professional ethics, and fraud and abuse. Then there are some physical courses that also don’t require you to practice on a live patient. You can study the anatomy of various areas of the body, and learn about skin lesions and their treatment. Depending on the requirements of your state, these forms of physical therapy continuing education may be enough.

Check with the Association

The American Physical Therapy Association can be helpful in dealing with physical therapy continuing education. Their website – – has a plethora of information about the various educational programs available – both online and at colleges near you. They can also advise you as to dealing with state regulators to insure they accept the classes you take.…