There are a lot of people out there who just don't have the time to go to a college campus for an education. This can be for many reasons, such as work, finding a babysitter, costs of college courses, or even coordinating it to fit into your busy schedule. There is a solution for this. You can obtain an online college degree.
An online college degree is just as valid as a degree you receive at a regular college campus. In fact a lot of people prefer it. This is because you can get an online college degree from the comfort of your own home. You don't have to go anywhere to get the online college degree and you can register for the courses for your online college degree at home as well. You also don't have to commute to go to school, which in turn will save you gas, time, and money. An online college degree program will fit into any busy schedule and is convenient for anyone.
Online college degree programs offer financial aid and assistance just like regular college campuses do. Online college degree programs also offer job placement programming to anyone who completes the courses and obtains the online college degree. Online college degree programs often boast that you can get your degree in half the time it would take from a normal on campus course program. This is true because an online college degree program allows you to take the courses as quickly or as slowly as you want. It is all done at your own pace!
Now that you see the advantages of obtaining an online college degree, let us look at some of the online college degree courses offered. Some are: accounting, teaching, business, computers, criminal justice, legal and paralegal, dental assistance, travel and tourism, and many more. There is even master degree programs offered online so you can even further you education.
The prices of online college degree programs can vary from school to school. It is best to do your research and see what school offers you the best deal and the best education. If you need financial aide, be sure the school offers it before you enroll. Remember, this is an online college degree program so it doesn't matter where the course is coming from!
You can now see the huge advantageous of obtaining an online college degree. There really aren't any disadvantages. Only positive things have been said about online college degree programs. You have nothing to lose and everything to gain! Why not give an online college degree program a try? You will find it is truly worth it, for you and for your future.
Saturday, November 8, 2008
A School Loan Consolidation Primer
"Hey Dad!", my son screamed from our front door, "I did it, I was accepted to Boston University.". My momentary exhilaration was overshadowed by the financial realities of college, especially private college. A quick calculation of my costs for 4 years of tuition, and expenses came to roughly $250,000, a very intimidating figure. Overwhelmed I thought, how could I possibly afford to send him to college? Fortunately, there are various options available to finance this academic endeavor.
Federal programs are the single, largest source of school loan consolidation. The first step in applying for this type of aid is going on the Free Application for Federal Student Aid (FAFSA) website, at http://www.fafsa.ed.gov/, and fill out a comprehensive questionnaire. It generally takes around 7 days to process, at which point you will receive a Data Release Number, and Estimated Financial Contribution. It is important to find out if the school you will be attending participates in the federal student aid programs, most do.
There are several federal programs available for student aid, assuming school participation. The Federal Stafford Loans, are available to both undergraduate and graduate students. First-year undergraduates are eligible for loans up to $2,625. Amounts increase for subsequent years of study, with higher amounts for graduate students. The interest rate is variable, but never exceeds 8.25 percent. The Federal PLUS Loans are unsubsidized loans made to parents; the interest rate is variable, but never exceeds 9 percent. Federal Work Study provides jobs to undergraduate and graduate students, allowing them to earn money to pay education expenses. These are the major federal sources of loan money for college.
Private education loans are also available from a variety of sources to provide supplemental funding when other financial aid does not cover costs. These loans are not sponsored by government agencies, and are offered by banks or other financial institutions. Sallie Mae is a unique loan that consists of a comprehensive package of both private and federal loans.
After accumulating 4 years of undergraduate education loans, it is best to consider a School Loan Consolidation Program. Very simply, you can elect to combine all your outstanding loans into one student consolidated loan, which may create more favorable terms and simplify repayment, benefiting both the borrower, and the lending agency. Major benefits include the convenience of lower monthly payments, a single fixed rate, and one payment per month. There is a minor downside, however, students who do not consolidate their Stafford loans will have a 6-month grace period after graduation to begin making payments. Students who consolidate must begin making payments within 60 days of their consolidation. Both parents and students are eligible to consolidate student loans. The school loan consolidation program streamlines repayment by eliminating different terms, repayment schedules, and lenders.
Will I be able to afford my son’s college education? Careful financial planning, and research should make this endeavor a reality. While it is true that college tuitions continue to rise, there is more financial aid available to compensate for the increases. Ultimately, a good education is your best investment.
Federal programs are the single, largest source of school loan consolidation. The first step in applying for this type of aid is going on the Free Application for Federal Student Aid (FAFSA) website, at http://www.fafsa.ed.gov/, and fill out a comprehensive questionnaire. It generally takes around 7 days to process, at which point you will receive a Data Release Number, and Estimated Financial Contribution. It is important to find out if the school you will be attending participates in the federal student aid programs, most do.
There are several federal programs available for student aid, assuming school participation. The Federal Stafford Loans, are available to both undergraduate and graduate students. First-year undergraduates are eligible for loans up to $2,625. Amounts increase for subsequent years of study, with higher amounts for graduate students. The interest rate is variable, but never exceeds 8.25 percent. The Federal PLUS Loans are unsubsidized loans made to parents; the interest rate is variable, but never exceeds 9 percent. Federal Work Study provides jobs to undergraduate and graduate students, allowing them to earn money to pay education expenses. These are the major federal sources of loan money for college.
Private education loans are also available from a variety of sources to provide supplemental funding when other financial aid does not cover costs. These loans are not sponsored by government agencies, and are offered by banks or other financial institutions. Sallie Mae is a unique loan that consists of a comprehensive package of both private and federal loans.
After accumulating 4 years of undergraduate education loans, it is best to consider a School Loan Consolidation Program. Very simply, you can elect to combine all your outstanding loans into one student consolidated loan, which may create more favorable terms and simplify repayment, benefiting both the borrower, and the lending agency. Major benefits include the convenience of lower monthly payments, a single fixed rate, and one payment per month. There is a minor downside, however, students who do not consolidate their Stafford loans will have a 6-month grace period after graduation to begin making payments. Students who consolidate must begin making payments within 60 days of their consolidation. Both parents and students are eligible to consolidate student loans. The school loan consolidation program streamlines repayment by eliminating different terms, repayment schedules, and lenders.
Will I be able to afford my son’s college education? Careful financial planning, and research should make this endeavor a reality. While it is true that college tuitions continue to rise, there is more financial aid available to compensate for the increases. Ultimately, a good education is your best investment.
Art Schools, the Artist’s Choice
Is Art School necessary to be a good artist?
Being creative or artistic is truly a gift, a talent. But as with any talent, it needs to be tempered, honed, and optimized. Without proper training, one might never achieve the potential he or she was born with. And to help you hone your talents, you will need a good Art school!
Any educational institution that offers training in the arts may be called an art school.
They may offer vocational, undergraduate, or graduate and even post-graduate courses.
These schools focus their trainings on the visual arts such as illustration, painting, advertising design, graphical arts, photography, sculpture, and other artistic expressions. In the last few years, even game design has become institutionalized. This means that the art of designing game graphics has become serious business.
If the college is accredited it will grant you a Bachelor’ degree in Fine Arts or a B. A. in Fine Arts or some other certification and degree.
A successful future in the Arts industry depends on choosing the right school to hone your talents. When choosing an Art school, consider the following factors.
What Can You Benefit from an Art School?
You may be tempted to think you will be able to wing it through a career without any formal training. That is possible. However, since industries are constantly looking for professionals who can abide by industry standards, those with Art degrees get a competitive edge. Also, in Arts school you learn from other professionals what these industries expect of their artists. This helps you be more prepared for work with professional companies.
Art school will also benefit your art technique. Your innate talent will benefit from the proven concepts and techniques you can learn here.
Art school also develops in its students a love and appreciation for the different forms of art. It opens to the student new vistas of learning and expressing. Even if only for that reason, Art school would be worth every penny paid to it.
What You Won’t Learn at Arts School
Art school, however, will not teach you passion and drive. You must have both and mix them with your innate talent and hard work. You have to develop an intimate relationship with your profession to be able to maximize your potential.
Choose a School
Different schools have different strengths, find a school that plays to your strengths and has specialization in the field of your choice. Some will have a style of teaching that maximizes your skills. Some will expose you to techniques that will make you twice a better artist than you already are. They key here is for you to know yourself. Know how you learn, what interests you, what your tendencies are. This will help you visualize how you will react when faced with the rigors of school.
Meet New Friends!
Do you know that at art school, many of your colleagues will go on to be successful artists? Everyone at your school will have varied skills and different strengths. Use your time as school wisely so that you get to meet these people and learn from them. They could learn a thing or two from you too!
School is an excellent place to build professional relationships. When you all go out into the industry, your connections and friendships will be instrumental to your success.
It would do no harm to start looking at the educational background of your admired artists. Checking out the schools they came from will give an idea of the sort of training these artists went through. From here, you may make decisions as to whether you would like to choose the same school as they did.
The Verdict? Sign Up for an Art School Today
Your choice of school is an investment that will last you a lifetime. Proper care and investigation in choosing such is truly important. When you are comfortable with your choice of design school, you can now chart your path towards a successful career.
Art school might be the most important decision you will make. Without proper training, your chances at success are greatly diminished. With Art schools you can be assured of a brighter, more artistic future!
Being creative or artistic is truly a gift, a talent. But as with any talent, it needs to be tempered, honed, and optimized. Without proper training, one might never achieve the potential he or she was born with. And to help you hone your talents, you will need a good Art school!
Any educational institution that offers training in the arts may be called an art school.
They may offer vocational, undergraduate, or graduate and even post-graduate courses.
These schools focus their trainings on the visual arts such as illustration, painting, advertising design, graphical arts, photography, sculpture, and other artistic expressions. In the last few years, even game design has become institutionalized. This means that the art of designing game graphics has become serious business.
If the college is accredited it will grant you a Bachelor’ degree in Fine Arts or a B. A. in Fine Arts or some other certification and degree.
A successful future in the Arts industry depends on choosing the right school to hone your talents. When choosing an Art school, consider the following factors.
What Can You Benefit from an Art School?
You may be tempted to think you will be able to wing it through a career without any formal training. That is possible. However, since industries are constantly looking for professionals who can abide by industry standards, those with Art degrees get a competitive edge. Also, in Arts school you learn from other professionals what these industries expect of their artists. This helps you be more prepared for work with professional companies.
Art school will also benefit your art technique. Your innate talent will benefit from the proven concepts and techniques you can learn here.
Art school also develops in its students a love and appreciation for the different forms of art. It opens to the student new vistas of learning and expressing. Even if only for that reason, Art school would be worth every penny paid to it.
What You Won’t Learn at Arts School
Art school, however, will not teach you passion and drive. You must have both and mix them with your innate talent and hard work. You have to develop an intimate relationship with your profession to be able to maximize your potential.
Choose a School
Different schools have different strengths, find a school that plays to your strengths and has specialization in the field of your choice. Some will have a style of teaching that maximizes your skills. Some will expose you to techniques that will make you twice a better artist than you already are. They key here is for you to know yourself. Know how you learn, what interests you, what your tendencies are. This will help you visualize how you will react when faced with the rigors of school.
Meet New Friends!
Do you know that at art school, many of your colleagues will go on to be successful artists? Everyone at your school will have varied skills and different strengths. Use your time as school wisely so that you get to meet these people and learn from them. They could learn a thing or two from you too!
School is an excellent place to build professional relationships. When you all go out into the industry, your connections and friendships will be instrumental to your success.
It would do no harm to start looking at the educational background of your admired artists. Checking out the schools they came from will give an idea of the sort of training these artists went through. From here, you may make decisions as to whether you would like to choose the same school as they did.
The Verdict? Sign Up for an Art School Today
Your choice of school is an investment that will last you a lifetime. Proper care and investigation in choosing such is truly important. When you are comfortable with your choice of design school, you can now chart your path towards a successful career.
Art school might be the most important decision you will make. Without proper training, your chances at success are greatly diminished. With Art schools you can be assured of a brighter, more artistic future!
Art Schools
An Art school has a primary focus on the visual arts, such as graphic design, illustration, painting, photography, and sculpture. They are specific to the type of education that you wish to obtain. Art schools differ from larger institutions by degrees including such classes as science and math.
When the school is considered an accredited college, you can still obtain a bachelor of Fine Arts degree. There are certain criteria that you need to meet in order to be accepted into an art school. What the admissions committees look for in an applicant is:
Grades: the committee wants to make sure that the future student will be successful and thrive under academic pressure.
Students who have strong academic backgrounds are preferred. Do not worry if you are not the strongest academic applicant.
The Admissions counselors also take personal background and extracurricular activities into consideration.
Improve your chances of being accepted at the art school of your choice, by improving your GPA, participating in after school activities, (if you are still in school), involvement in the community or neighborhood, and/or participation in civic or religious groups. These will all give you an advantage when applying to the art school you wish to attend, as they will
enhance your application making it more likely to be accepted.
It is always a challenge to be accepted into art school, but it is never impossible. No matter what you reason is for applying to art school, whether it is to better your qualifications and improve your chances of getting a promotion or if you are just out of high school wanting to attend school.
There will always be ways to improve your chances of getting into art school. Therefore, take a look around talk to people that may be going to the school of your choice. Never be afraid to ask questions. You will find that people are willing to give you the information you need in order to optimize your application. Do not be afraid to take all the advantages and advise you can get.
When the school is considered an accredited college, you can still obtain a bachelor of Fine Arts degree. There are certain criteria that you need to meet in order to be accepted into an art school. What the admissions committees look for in an applicant is:
Grades: the committee wants to make sure that the future student will be successful and thrive under academic pressure.
Students who have strong academic backgrounds are preferred. Do not worry if you are not the strongest academic applicant.
The Admissions counselors also take personal background and extracurricular activities into consideration.
Improve your chances of being accepted at the art school of your choice, by improving your GPA, participating in after school activities, (if you are still in school), involvement in the community or neighborhood, and/or participation in civic or religious groups. These will all give you an advantage when applying to the art school you wish to attend, as they will
enhance your application making it more likely to be accepted.
It is always a challenge to be accepted into art school, but it is never impossible. No matter what you reason is for applying to art school, whether it is to better your qualifications and improve your chances of getting a promotion or if you are just out of high school wanting to attend school.
There will always be ways to improve your chances of getting into art school. Therefore, take a look around talk to people that may be going to the school of your choice. Never be afraid to ask questions. You will find that people are willing to give you the information you need in order to optimize your application. Do not be afraid to take all the advantages and advise you can get.
Are You A Good Candidate For Distance Learning?
If you have the self-determination and drive to listen well and study harder then you can learn in a live university or an online school. But some people seem better suited than others for distance learning programs. Researchers have found that one of the factors that contributes to an effective distance learner in addition to the ability to work hard is their personality type.
Their studies have discovered that people who have the ability to get their energy from inside sources are generally better candidates for online learning. It’s effective in distance learning because most of your learning time is spent working and studying alone. So if you have trouble with that you may have problems in getting an online degree.
If your personality type will allow you to learn and grow on your own then you are ready to consider distance learning to get a technical certificate or online degree. Your next steps are to consider your purpose for undertaking an online learning program.
Is it to benefit your career growth, are you thinking about changing careers, or do you simply want the fulfillment of your lifelong goal to get a college education. These are the most common goals of successful distance learning participants and if you share these goals then online learning may be right for you.
Okay, you know you have the personality type to learn online and you have goals that will help you to be motivated to succeed. Now what? You get all your paperwork ready so that you can determine whether you have to start from scratch or whether those two years of community college can be applied to your online degree program. Many programs will also give you up to 25f the total credits required for your online degree foe your work and life experience in a related field so update and refine your resume to reflect this experience.
Next you need to find a university or college that offers your program of study. There are hundreds of accredited online degree granting schools in the country, over 750 at last count, to choose from. Contact the school and find out their admissions policy and any regulations that you have to meet. Their response and their website should tell you a lot about how organized their programs are and whether you think it will match your online aspirations.
Then gather up all of the responses and compare them using your own criteria as a guide. Talk to friends and relations that you trust and then make a decision. You will soon find out if the online campus life is for you and hopefully it will be the right step to getting an online degree and creating a better life for yourself and your family.
Their studies have discovered that people who have the ability to get their energy from inside sources are generally better candidates for online learning. It’s effective in distance learning because most of your learning time is spent working and studying alone. So if you have trouble with that you may have problems in getting an online degree.
If your personality type will allow you to learn and grow on your own then you are ready to consider distance learning to get a technical certificate or online degree. Your next steps are to consider your purpose for undertaking an online learning program.
Is it to benefit your career growth, are you thinking about changing careers, or do you simply want the fulfillment of your lifelong goal to get a college education. These are the most common goals of successful distance learning participants and if you share these goals then online learning may be right for you.
Okay, you know you have the personality type to learn online and you have goals that will help you to be motivated to succeed. Now what? You get all your paperwork ready so that you can determine whether you have to start from scratch or whether those two years of community college can be applied to your online degree program. Many programs will also give you up to 25f the total credits required for your online degree foe your work and life experience in a related field so update and refine your resume to reflect this experience.
Next you need to find a university or college that offers your program of study. There are hundreds of accredited online degree granting schools in the country, over 750 at last count, to choose from. Contact the school and find out their admissions policy and any regulations that you have to meet. Their response and their website should tell you a lot about how organized their programs are and whether you think it will match your online aspirations.
Then gather up all of the responses and compare them using your own criteria as a guide. Talk to friends and relations that you trust and then make a decision. You will soon find out if the online campus life is for you and hopefully it will be the right step to getting an online degree and creating a better life for yourself and your family.
Are online degrees valid to prospective employers?
Online distance learning has gained rapid popularity with the advent of the internet, which has proven to offer great supporting facilities and convenience for online education. However, just like everything else with pros and cons, the internet has also opened doors for the widespread sale of bogus online degrees. According a report by USA Today, there were already 400 diploma mills in the year 2003 and the numbers are rising. In fact, many of these unscrupulous operations are run by organizations in an industry that is worth $500 million a year.
However, amidst the negative hype about online education, there are actually many distance learning colleges offering valid degrees and diplomas. These institutions do not sell bogus certificates, but actually aim to provide quality education as alternatives for on-campus higher education. Valid online courses with online video lectures as well as online library facilities and test examinations conducted are often deployed to ensure that students truly qualify in their areas of study and graduate legitimately. Sadly though, many employers only see the negative side of things, and easily brush off online education degrees as equivalent to bogus degrees.
In view of the confusion, the National Education Board of the U.S. government has authorized 6 accreditation agencies to provide institutional accreditation to education institutions, as a measure to differentiate legitimate universities from the crooks. This means that students choosing their universities will be assured that these universities would have met minimum criteria set forth by these agencies for learning institutions.
Additionally, there is also The Distance Education and Training Council (DETC) which provides accreditation specifically for distance learning institutions. The DETC is an accreditation agency that is recognized by the US Department of Education and the Council for Higher Education Accreditation (CHEA).
Furthermore, there is also specialized accreditation for specific programs of different areas of specialization. These programs which are found to have attained excellence will be awarded accreditation by various professional accrediting agencies depending on the area of specialization. For instance, the International Association for Management Education (AACSB) gives accreditation to accounting related programs while health programs are accredited by the American Health Information Management Association. It is also important to know that only accreditation agencies recognized by the Department of Education or CHEA are considered accreditation agencies which are acknowledged.
What does accreditation mean to a student? An institutional accreditation agency evaluates the various aspects of universities or colleges against minimum standard criteria to determine if the particular institution meets their list of basic requirements. College accreditation is necessary to ensure that the education, facilities and support provided by a college or university adheres to basic levels. On the other hand, specialized accreditation evaluates excellence in individual program regardless of which institution the program is being delivered within. In this type of accreditation, course content and program curricula is evaluated against pre-set standards of the institution.
All accreditation does is to assure employers, students and parents that the graduates who are awarded degrees from accredited colleges have undergone adequate training in their respective areas of specialization. This also means that colleges that are not accredited by the proper accreditation body would not have met the standards imposed by the agencies. However, courses taken by prospective employees that are accredited by the respective agencies would have met standards imposed on the respective specialized areas.
It is totally up to the judgment and decision of the employers on evaluating the validity of an online or on-campus degree. With the recent hike in bogus degrees, employers can’t help but be stringent in their applicant screenings and consider those with degrees that have been accredited. This may prove tedious and sometimes employers may get confused. Therefore, if your accreditation is provided by an agency recognized by the US Department of Education, then you will need to explain to prospective employers on the background of the accrediting bodies. This way, you can avoid employers from sidelining your application based on something that they may be unclear about and increase your chances of being short listed for a job interview.
However, amidst the negative hype about online education, there are actually many distance learning colleges offering valid degrees and diplomas. These institutions do not sell bogus certificates, but actually aim to provide quality education as alternatives for on-campus higher education. Valid online courses with online video lectures as well as online library facilities and test examinations conducted are often deployed to ensure that students truly qualify in their areas of study and graduate legitimately. Sadly though, many employers only see the negative side of things, and easily brush off online education degrees as equivalent to bogus degrees.
In view of the confusion, the National Education Board of the U.S. government has authorized 6 accreditation agencies to provide institutional accreditation to education institutions, as a measure to differentiate legitimate universities from the crooks. This means that students choosing their universities will be assured that these universities would have met minimum criteria set forth by these agencies for learning institutions.
Additionally, there is also The Distance Education and Training Council (DETC) which provides accreditation specifically for distance learning institutions. The DETC is an accreditation agency that is recognized by the US Department of Education and the Council for Higher Education Accreditation (CHEA).
Furthermore, there is also specialized accreditation for specific programs of different areas of specialization. These programs which are found to have attained excellence will be awarded accreditation by various professional accrediting agencies depending on the area of specialization. For instance, the International Association for Management Education (AACSB) gives accreditation to accounting related programs while health programs are accredited by the American Health Information Management Association. It is also important to know that only accreditation agencies recognized by the Department of Education or CHEA are considered accreditation agencies which are acknowledged.
What does accreditation mean to a student? An institutional accreditation agency evaluates the various aspects of universities or colleges against minimum standard criteria to determine if the particular institution meets their list of basic requirements. College accreditation is necessary to ensure that the education, facilities and support provided by a college or university adheres to basic levels. On the other hand, specialized accreditation evaluates excellence in individual program regardless of which institution the program is being delivered within. In this type of accreditation, course content and program curricula is evaluated against pre-set standards of the institution.
All accreditation does is to assure employers, students and parents that the graduates who are awarded degrees from accredited colleges have undergone adequate training in their respective areas of specialization. This also means that colleges that are not accredited by the proper accreditation body would not have met the standards imposed by the agencies. However, courses taken by prospective employees that are accredited by the respective agencies would have met standards imposed on the respective specialized areas.
It is totally up to the judgment and decision of the employers on evaluating the validity of an online or on-campus degree. With the recent hike in bogus degrees, employers can’t help but be stringent in their applicant screenings and consider those with degrees that have been accredited. This may prove tedious and sometimes employers may get confused. Therefore, if your accreditation is provided by an agency recognized by the US Department of Education, then you will need to explain to prospective employers on the background of the accrediting bodies. This way, you can avoid employers from sidelining your application based on something that they may be unclear about and increase your chances of being short listed for a job interview.
A Peek at Nursing as a Career
We need more people to choose nursing as a career. There is a national shortage, so the career choice would guarantee future employment fresh out of school.
Just last week, as I was taking care of a patient of mine, a doctor asked, "Kim, how did you decide to become a nurse?" That question caused me to reflect over nearly 25 years, and it still causes me to wonder sometimes. You see, I was not one of those little girls that wished to be a nurse, although I really liked the head nurse on Emergency. I told her, "You know, I think nursing chose me."
I went on to explain that I had changed my career path my freshman year of college. I was taking courses that I found to be interesting, along with the 'basics'. After a year of not committing to a degree plan, my dad put his foot down and he strongly encouraged me to find some direction.
I remember thumbing through the college catalog and finding the degree plan for nursing. I was surprised to see that I had taken nearly every prerequisite course except for anatomy and physiology. I applied to the program, was accepted and the rest is history.
Being a nurse has real advantages. Continuing education is an integral part of most professions. Nursing is no exception. This knowledge actually saved the life of one of my children!
Patrick was almost 4 years old. He was enjoying a piece of Halloween candy. My husband was watching him, and he called me in when he saw that Patrick was choking. I gave those 5 abdominal thrusts as if I did it every day of my life, when in fact I had only performed it on a few mannequins over the years. That piece of candy shot out, just like in the videos that they would make us watch. Never again do I groan when the lights go down and we have to watch that same training video.
Scrubs
Another advantage to this profession is the uniform. What other profession allows you to wear clothes that are as comfortable as pajamas! And they are so much more colorful than that starched white from years ago. I had to wear a nursing cap with the white uniform and the white hose and shoes when I was in nursing school. Now you can tell what Holiday is around the corner based on the attire of the nursing staff.
Another change for the better is that more men are entering the profession. I think that it has bettered the salaries. For fear of making sexist or offensive remarks, I will leave it at that.
Continuing in my footsteps.
Today, my oldest child is attending a nursing program. She will be a nurse in less than a year. I have no doubt that she will be an excellent asset to the profession. She did not decide to do this as a career until she was in college for a year.
Choosing nursing as a career
If you like working with people and helping them during some of the most important times of their lives, then I have no doubt you would thrive in your career as a nurse.
Just last week, as I was taking care of a patient of mine, a doctor asked, "Kim, how did you decide to become a nurse?" That question caused me to reflect over nearly 25 years, and it still causes me to wonder sometimes. You see, I was not one of those little girls that wished to be a nurse, although I really liked the head nurse on Emergency. I told her, "You know, I think nursing chose me."
I went on to explain that I had changed my career path my freshman year of college. I was taking courses that I found to be interesting, along with the 'basics'. After a year of not committing to a degree plan, my dad put his foot down and he strongly encouraged me to find some direction.
I remember thumbing through the college catalog and finding the degree plan for nursing. I was surprised to see that I had taken nearly every prerequisite course except for anatomy and physiology. I applied to the program, was accepted and the rest is history.
Being a nurse has real advantages. Continuing education is an integral part of most professions. Nursing is no exception. This knowledge actually saved the life of one of my children!
Patrick was almost 4 years old. He was enjoying a piece of Halloween candy. My husband was watching him, and he called me in when he saw that Patrick was choking. I gave those 5 abdominal thrusts as if I did it every day of my life, when in fact I had only performed it on a few mannequins over the years. That piece of candy shot out, just like in the videos that they would make us watch. Never again do I groan when the lights go down and we have to watch that same training video.
Scrubs
Another advantage to this profession is the uniform. What other profession allows you to wear clothes that are as comfortable as pajamas! And they are so much more colorful than that starched white from years ago. I had to wear a nursing cap with the white uniform and the white hose and shoes when I was in nursing school. Now you can tell what Holiday is around the corner based on the attire of the nursing staff.
Another change for the better is that more men are entering the profession. I think that it has bettered the salaries. For fear of making sexist or offensive remarks, I will leave it at that.
Continuing in my footsteps.
Today, my oldest child is attending a nursing program. She will be a nurse in less than a year. I have no doubt that she will be an excellent asset to the profession. She did not decide to do this as a career until she was in college for a year.
Choosing nursing as a career
If you like working with people and helping them during some of the most important times of their lives, then I have no doubt you would thrive in your career as a nurse.
An Online Degree Can Work For You
Many large universities now offer the opportunity to learn and obtain a degree online. Some will offer additional support such as advice online, student associations and newspapers.
Studying for an online degree is an excellent choice for many reasons and for people in a range of circumstances. You can work to your own flexible schedule and today there is a very wide range of subjects on offer. An online degree can give you respect from your work colleagues and bosses.
You can obtain an online degree in the fields of business, healthcare, education, law and others. Depending on the subject area, there are numerous levels of achievement, from a certificate of completion, an associate's degree or even
a bachelors or masters degree. Certificates, associates and bachelors degrees require no previous college education. A masters degree, however, requires at least a bachelors degree prior to enrollment.
Depending on the type of online degree you want, the course work can take as little as six months to complete. For higher degrees or fields of intense study, the course work can take up to four years to complete. Most online law degrees take at least four years to finish.
Getting an online degree is more flexible for you than getting a degree from a traditional, on-site college. You can complete it over a period of time to a schedule that
fits your particular needs. You can study at night, on the weekends or even over your lunch hour. Plus, you can devote as many or as few hours a week to your studies as you choose to, finishing as quickly as you need. Most people devote at least twenty hours a week to their course work.
Secondly, an online degree is a self-paced program meaning that you can work as long on a particular session or lesson as you need. This means that you can take extra time on the more difficult classes without getting behind in your studies.
With today's competitive work environment and extra long working hours, an online degree is the perfect solution if you wish to further your career. So whether you need to take classes on your schedule, obtain your degree in record time, or you just want the high level of education provided by an online degree, the Internet is a great place to go get yourself an online degree.
Studying for an online degree is an excellent choice for many reasons and for people in a range of circumstances. You can work to your own flexible schedule and today there is a very wide range of subjects on offer. An online degree can give you respect from your work colleagues and bosses.
You can obtain an online degree in the fields of business, healthcare, education, law and others. Depending on the subject area, there are numerous levels of achievement, from a certificate of completion, an associate's degree or even
a bachelors or masters degree. Certificates, associates and bachelors degrees require no previous college education. A masters degree, however, requires at least a bachelors degree prior to enrollment.
Depending on the type of online degree you want, the course work can take as little as six months to complete. For higher degrees or fields of intense study, the course work can take up to four years to complete. Most online law degrees take at least four years to finish.
Getting an online degree is more flexible for you than getting a degree from a traditional, on-site college. You can complete it over a period of time to a schedule that
fits your particular needs. You can study at night, on the weekends or even over your lunch hour. Plus, you can devote as many or as few hours a week to your studies as you choose to, finishing as quickly as you need. Most people devote at least twenty hours a week to their course work.
Secondly, an online degree is a self-paced program meaning that you can work as long on a particular session or lesson as you need. This means that you can take extra time on the more difficult classes without getting behind in your studies.
With today's competitive work environment and extra long working hours, an online degree is the perfect solution if you wish to further your career. So whether you need to take classes on your schedule, obtain your degree in record time, or you just want the high level of education provided by an online degree, the Internet is a great place to go get yourself an online degree.
An Online College Education Overview
There has always been a lot of debate as to whether an online college education is as good as a traditional college education. The answer to this is quite simple; there are good institutions that offer an online college education and there are bad establishments that offer an online college education. So, you need to do your research in the same way when you are looking for the best place to pursue your online college education with as you would an offline course.
Of course you are not going to particularly bother finding out about the location of the colleges that offer an online college education because it really doesn’t matter. However, a lot of the other points that you would consider before attending a college should also be taken into consideration before you enrol with an organisation offering an online college education.
The growth in the numbers of people pursuing an online college education has led to increased competition amongst institutions to attract students. The best way to assess the credibility of a site advertising the best online college education is to ask about the accreditation of its courses. Accreditation means that a governing body for a particular field has endorsed the course and this is extremely important in helping you to decide who to trust with your online college education. If a course is not accredited then you need to find out why.
There may be a number of courses that have not yet received accreditation from an appropriate association or governing body but still offer a good online college education. For example, the establishment may have applied for accreditation but not yet been assessed, in which case you can actually check with the particular body that they are in the process of assessing the application for accreditation. Another reason may be that there is no appropriate body that the course can be accredited to. This is less likely but is, nevertheless, a valid reason and does not indicate that the course offered is not going to be worth taking to advance your online college education.
If, however, you find that the online college education institution has been refused accreditation they are likely to try to tell you that accreditation is not important. This is quite simply untrue. An online college education from a non-accredited institution is not going to be viewed as highly as one from an establishment that is accredited. Choose where you gain your online college education from with care to ensure that you are not wasting your time and money by having an almost worthless qualification.
Of course you are not going to particularly bother finding out about the location of the colleges that offer an online college education because it really doesn’t matter. However, a lot of the other points that you would consider before attending a college should also be taken into consideration before you enrol with an organisation offering an online college education.
The growth in the numbers of people pursuing an online college education has led to increased competition amongst institutions to attract students. The best way to assess the credibility of a site advertising the best online college education is to ask about the accreditation of its courses. Accreditation means that a governing body for a particular field has endorsed the course and this is extremely important in helping you to decide who to trust with your online college education. If a course is not accredited then you need to find out why.
There may be a number of courses that have not yet received accreditation from an appropriate association or governing body but still offer a good online college education. For example, the establishment may have applied for accreditation but not yet been assessed, in which case you can actually check with the particular body that they are in the process of assessing the application for accreditation. Another reason may be that there is no appropriate body that the course can be accredited to. This is less likely but is, nevertheless, a valid reason and does not indicate that the course offered is not going to be worth taking to advance your online college education.
If, however, you find that the online college education institution has been refused accreditation they are likely to try to tell you that accreditation is not important. This is quite simply untrue. An online college education from a non-accredited institution is not going to be viewed as highly as one from an establishment that is accredited. Choose where you gain your online college education from with care to ensure that you are not wasting your time and money by having an almost worthless qualification.
An Introduction To Online Colleges
Online colleges make obtaining a degree a possibility for anyone with access to the internet. If you have always dreamt of obtaining a degree or other certificate then online colleges are a great way to make that dream come true. One of the main benefits of studying with online colleges rather than conventional campus-based colleges is that you can work on your chosen subject at your own pace and at a time that suits you. Instead of having to attend classes and lectures you can fit your study in around work and family commitments. In particular, many stay-at-home moms are finding that online colleges offer course that they can take while the kids are at school in preparation for returning to work when the kids are older.
Many employees are overlooked for promotion at work because they lack formal qualifications but this is where online colleges come in. Instead of having to take time off work to be able to attend a regular college you can continue working your normal hours and access your course in your free time. If you have been with a company for a while and see no opportunity for advancement you can also study with any of the online colleges to enable you to find a new job whilst you are still earning.
Online colleges offer a wide range of course and have no time restriction in which you have to complete the modules. This gives you the freedom to study where and when you want to and a number of online colleges will allow you to take lengthy study breaks. Some courses do not require a formal exam at the end to obtain a diploma but consist of a number of assignments that are to be completed throughout the course. Most online colleges have specialist tutors who can communicate with the students by email or other means to give support and guidance to them throughout the course. Quite often the online colleges will also have facilities to link students with each other so that they can discuss assignments.
There are online colleges based all around the globe and there are usually no residency restrictions applied. If you want to learn about French art then why not choose one of the online colleges based in France or one of the many Japanese online colleges to obtain a certificate in business management techniques then you can. Finding the right course is the easy part but deciding which of the online colleges you want to study it with is probably going to be the hardest choice to make. This is because there are literally millions of courses available through online colleges around the globe.
Many employees are overlooked for promotion at work because they lack formal qualifications but this is where online colleges come in. Instead of having to take time off work to be able to attend a regular college you can continue working your normal hours and access your course in your free time. If you have been with a company for a while and see no opportunity for advancement you can also study with any of the online colleges to enable you to find a new job whilst you are still earning.
Online colleges offer a wide range of course and have no time restriction in which you have to complete the modules. This gives you the freedom to study where and when you want to and a number of online colleges will allow you to take lengthy study breaks. Some courses do not require a formal exam at the end to obtain a diploma but consist of a number of assignments that are to be completed throughout the course. Most online colleges have specialist tutors who can communicate with the students by email or other means to give support and guidance to them throughout the course. Quite often the online colleges will also have facilities to link students with each other so that they can discuss assignments.
There are online colleges based all around the globe and there are usually no residency restrictions applied. If you want to learn about French art then why not choose one of the online colleges based in France or one of the many Japanese online colleges to obtain a certificate in business management techniques then you can. Finding the right course is the easy part but deciding which of the online colleges you want to study it with is probably going to be the hardest choice to make. This is because there are literally millions of courses available through online colleges around the globe.
A New Way To Learn: Online
Many of the most universities in the country are realizing that no everyone can attend regular classes to obtain a college education. As a result almost all of them offer distance learning programs that allow students from anywhere in the country to get a university education and even get an online degree.
There are many barriers to overcome in order to get a college education. They range from cost to motivation to accessibility. Many young people and their families simply cannot afford to pay the tens of thousands of dollars that is necessary in a regular degree program. Others live in remote areas of the country that make it impossible to attend college without major support and subsidies.
Distance learning allows them to overcome many of these challenges by connecting to the school of their choice through the Internet and enrolling in online degree granting programs in their field of choice. They can get a college education and still help out on the farm at home or they can work to support themselves during the day and take online classes at night.
These types of programs have transformed the higher education landscape almost overnight. Many millions of American kids will follow their college dreams right after high school, but they are now being joined in the academic world by military veterans, housewives, and thousands of other people who want a second chance at living out their dream.
Distance learning has democratized the higher education system in this country and it doesn’t matter now how much money your family has or what stage of life you choose to continue your education. An online degree from a reputable and accredited program is worth just as much as if you went to that school for four years right after high school.
If you could picture an online classroom you would see a wide range of ages and life experiences sitting at their home computer, engaged in the pursuit of an online degree. Their enthusiasm to learn is just as great as those who sit in a regular classroom or lecture hall at the university. But what may strike you the most is that these people who are studying for an online degree have a zeal for learning and a motivation to get ahead that any university professor would love to see in his much younger class. These people desperately want to get their college education and distance learning will help them get there.
There are many barriers to overcome in order to get a college education. They range from cost to motivation to accessibility. Many young people and their families simply cannot afford to pay the tens of thousands of dollars that is necessary in a regular degree program. Others live in remote areas of the country that make it impossible to attend college without major support and subsidies.
Distance learning allows them to overcome many of these challenges by connecting to the school of their choice through the Internet and enrolling in online degree granting programs in their field of choice. They can get a college education and still help out on the farm at home or they can work to support themselves during the day and take online classes at night.
These types of programs have transformed the higher education landscape almost overnight. Many millions of American kids will follow their college dreams right after high school, but they are now being joined in the academic world by military veterans, housewives, and thousands of other people who want a second chance at living out their dream.
Distance learning has democratized the higher education system in this country and it doesn’t matter now how much money your family has or what stage of life you choose to continue your education. An online degree from a reputable and accredited program is worth just as much as if you went to that school for four years right after high school.
If you could picture an online classroom you would see a wide range of ages and life experiences sitting at their home computer, engaged in the pursuit of an online degree. Their enthusiasm to learn is just as great as those who sit in a regular classroom or lecture hall at the university. But what may strike you the most is that these people who are studying for an online degree have a zeal for learning and a motivation to get ahead that any university professor would love to see in his much younger class. These people desperately want to get their college education and distance learning will help them get there.
A Look at Paralegal Training
A paralegal assists lawyers, corporations, or government agencies that must work with the law. Most of the time, paralegals help lawyers to keep afloat of the mounds of paperwork needed in law. They organize, index, photocopy, and run errands. They may also interview witnesses, draft legal documents, or conduct hearings. The tasks of the paralegal depends a large part on what type a paralegal he is, and the amount of training he has received.
The National Federation of Paralegal Associations (NFPA) recommends that all entry-level paralegals have a four-year bachelor’s degree. Though only about 50 percent of the working paralegals in 2001 had a bachelor’s degree, it is quickly becoming standard for hiring paralegals. The U.S. Department of Labor’s Bureau of Labor Statistics estimates that the paralegal field is growing faster than most. Extra training can help guarantee a job in this rapidly growing field.
NFPA recommends a formal paralegal training program after a potential paralegal earns a bachelor’s degree. The organization provides a directory of accredited programs, for a small fee, through its Web site, and recommends at least 24 semester hours dedicated to legal studies. Online programs also offer additional paralegal training, including emphasizing critical thinking skills, improving communication skills, understanding law procedures and rules, honing legal writing abilities, and practicing interpersonal skills for working with clients, witnesses, other professionals, or the public. The NFPA urges paralegals to critically evaluate all correspondence or online courses, making sure the program provides an adequate, professionally recognized education. Check, for example, that the program is approved by the American Bar Association.
Most colleges and universities offer paralegal certification program, and Kaplan Education Paralegal Programs has training courses in 11 states. Also, the American Institute for Paralegal Studies is one of the oldest paralegal training programs in the country.
The National Federation of Paralegal Associations (NFPA) recommends that all entry-level paralegals have a four-year bachelor’s degree. Though only about 50 percent of the working paralegals in 2001 had a bachelor’s degree, it is quickly becoming standard for hiring paralegals. The U.S. Department of Labor’s Bureau of Labor Statistics estimates that the paralegal field is growing faster than most. Extra training can help guarantee a job in this rapidly growing field.
NFPA recommends a formal paralegal training program after a potential paralegal earns a bachelor’s degree. The organization provides a directory of accredited programs, for a small fee, through its Web site, and recommends at least 24 semester hours dedicated to legal studies. Online programs also offer additional paralegal training, including emphasizing critical thinking skills, improving communication skills, understanding law procedures and rules, honing legal writing abilities, and practicing interpersonal skills for working with clients, witnesses, other professionals, or the public. The NFPA urges paralegals to critically evaluate all correspondence or online courses, making sure the program provides an adequate, professionally recognized education. Check, for example, that the program is approved by the American Bar Association.
Most colleges and universities offer paralegal certification program, and Kaplan Education Paralegal Programs has training courses in 11 states. Also, the American Institute for Paralegal Studies is one of the oldest paralegal training programs in the country.
A Look at Paralegal Jobs
Paralegals support lawyers by organizing the massive amounts of paperwork law offices generate, running the office smoothly, helping to draft documents and interviewing witnesses. Paralegals may work for lawyers, corporations, or government agencies. In general, a college degree is sufficient education to become a paralegal, although courses do exist to train and certify paralegals. The National Federation of Paralegal Associations estimates that 84 percent of paralegals have some form of form paralegal education.
Several specific types of paralegal jobs are available. Litigation paralegals help prepare documents for trials. Corporate paralegals prepare paperwork for business dealings. Probate paralegals interview clients and prepare tax and financial documents. Real estate paralegals prepare closings and research land laws. Government paralegals work for the White House, the Justice Department, or the Federal Trade Commission and may organize evidence, answer questions for the public, or conduct hearings. Employment paralegals do work similar to a litigation paralegal, but work specifically with unions or discrimination cases.
The average starting salary of a paralegal is about $21,500 while working normal hours. Most law firms, however, require that paralegals work more hours than the typical nine to five, Monday through Friday work week. The extra overtime could bump a beginning paralegal’s salary up to almost $60,000 a year. An experienced paralegal can expect to make around $40,000 a year, about the national average, with life and health insurance benefits.
The National Federation of Paralegal Associations estimates that 84 percent of paralegals have had some formal paralegal education. A paralegal’s specialization determines what fields he could work in, for example medical law or labor movement organizations. According to a 2001 survey, about 25 percent of paralegals have an associate’s degree, about 50 percent of all paralegals have a bachelor’s degree, and eight percent have either a master’s degree or a J.D. degree. Certificate or degree programs are available for paralegals who wish to have more training. At a minimum, the National Federation of Paralegal Associations recommends that aspiring paralegals have a two-year degree with an emphasis on paralegal studies. A bachelor’s degree, however, is recommended.
A paralegal’s resume should list education, experience, awards and highlight writing abilities, professional and personal skills. Sample paralegals resumes are readily available on the Internet. Be sure to attach a cover letter, as you would when applying for any other job, stating your interest and describing the skills that make you a perfect candidate for the job. Sample cover letters are also posted on the Internet.
A simple way to find a law firm is to go to the local library and skim through Martindale Hubbell, an index of every lawyer in the country organized by city and law firm. Online sites also allow registered users to browse hiring law firms.
Several specific types of paralegal jobs are available. Litigation paralegals help prepare documents for trials. Corporate paralegals prepare paperwork for business dealings. Probate paralegals interview clients and prepare tax and financial documents. Real estate paralegals prepare closings and research land laws. Government paralegals work for the White House, the Justice Department, or the Federal Trade Commission and may organize evidence, answer questions for the public, or conduct hearings. Employment paralegals do work similar to a litigation paralegal, but work specifically with unions or discrimination cases.
The average starting salary of a paralegal is about $21,500 while working normal hours. Most law firms, however, require that paralegals work more hours than the typical nine to five, Monday through Friday work week. The extra overtime could bump a beginning paralegal’s salary up to almost $60,000 a year. An experienced paralegal can expect to make around $40,000 a year, about the national average, with life and health insurance benefits.
The National Federation of Paralegal Associations estimates that 84 percent of paralegals have had some formal paralegal education. A paralegal’s specialization determines what fields he could work in, for example medical law or labor movement organizations. According to a 2001 survey, about 25 percent of paralegals have an associate’s degree, about 50 percent of all paralegals have a bachelor’s degree, and eight percent have either a master’s degree or a J.D. degree. Certificate or degree programs are available for paralegals who wish to have more training. At a minimum, the National Federation of Paralegal Associations recommends that aspiring paralegals have a two-year degree with an emphasis on paralegal studies. A bachelor’s degree, however, is recommended.
A paralegal’s resume should list education, experience, awards and highlight writing abilities, professional and personal skills. Sample paralegals resumes are readily available on the Internet. Be sure to attach a cover letter, as you would when applying for any other job, stating your interest and describing the skills that make you a perfect candidate for the job. Sample cover letters are also posted on the Internet.
A simple way to find a law firm is to go to the local library and skim through Martindale Hubbell, an index of every lawyer in the country organized by city and law firm. Online sites also allow registered users to browse hiring law firms.
Algebra Software
Put an end to confusion in algebra with the revolutionary software AlgebraSolver that helps you solve all problems while making sure you understand each step while doing so. With the use of this software, algebra will never again be a frustrating exercise that leaves you totally baffled and at a loss for answers.
A product of the Softmath company, the algebra software AlgebraSolver is a godsend for math students like you. It will solve any algebra problem you give it. It's like having a resident algebra teacher in your PC, only better because it is always there when you need it and it can patiently explain each step in the process of problem solving.
This amazing software can be yours for just $67, assuring more than great value for money by significantly increasing your comprehension of algebra. With AlgebraSolver you will never again be left puzzled about how an algebra solution was reached. Not only can AlgebraSolver solve all the problems in your textbook, it gives you access to unlimited practice with its template-based exam generation capability.
When you buy the algebra software AlgebraSolver, you can:
Enter your own algebra problems
Learn more easily with step-by-step problem solution
Understand better with context sensitive tutoring explanations
Practice endlessly with exams the software generates
Benefit from the interactive student solution checker
AlgebraSolver can tackle arithmetics and complex numbers; simplify algebraic expressions like polynomials, fractions and radicals; solve linear, quadratic and other equations and inequalities; tackle graphing; and solve a system of equations. It is the perfect aid for algebra students from high school through pre-college. All you need to use it is a PC running any version of Windows.
AlgebraSolver comes with a detailed manual on what keys to use as commands for specific algebraic functions. So confident is Softmath about this software that you can return it for a full refund in case you feel AlgebraSolver does not help solve problems or does not lead you to better understanding of algebra. AlgebraSolver also brings with it unbeatable customer support. You are free to contact Softmath's dedicated and friendly staff any time you need help.
Visit www.algebrasolver.com for more information on this amazing algebra software and to see what others who are already using AlgebraSolver have to say about it
A product of the Softmath company, the algebra software AlgebraSolver is a godsend for math students like you. It will solve any algebra problem you give it. It's like having a resident algebra teacher in your PC, only better because it is always there when you need it and it can patiently explain each step in the process of problem solving.
This amazing software can be yours for just $67, assuring more than great value for money by significantly increasing your comprehension of algebra. With AlgebraSolver you will never again be left puzzled about how an algebra solution was reached. Not only can AlgebraSolver solve all the problems in your textbook, it gives you access to unlimited practice with its template-based exam generation capability.
When you buy the algebra software AlgebraSolver, you can:
Enter your own algebra problems
Learn more easily with step-by-step problem solution
Understand better with context sensitive tutoring explanations
Practice endlessly with exams the software generates
Benefit from the interactive student solution checker
AlgebraSolver can tackle arithmetics and complex numbers; simplify algebraic expressions like polynomials, fractions and radicals; solve linear, quadratic and other equations and inequalities; tackle graphing; and solve a system of equations. It is the perfect aid for algebra students from high school through pre-college. All you need to use it is a PC running any version of Windows.
AlgebraSolver comes with a detailed manual on what keys to use as commands for specific algebraic functions. So confident is Softmath about this software that you can return it for a full refund in case you feel AlgebraSolver does not help solve problems or does not lead you to better understanding of algebra. AlgebraSolver also brings with it unbeatable customer support. You are free to contact Softmath's dedicated and friendly staff any time you need help.
Visit www.algebrasolver.com for more information on this amazing algebra software and to see what others who are already using AlgebraSolver have to say about it
A Guide To Online Accredited Degrees
While many people dream of getting some kind of degree, it is often impossible to interrupt your career to go to school. Most people have a job, and the hours and classes of a regular university or college often do not fit into their schedule. Or they have a family to support and can’t take the time to attend a university. Non-traditional students are becoming the norm instead of the exception, and many colleges and universities are recognizing this fact and responding to it by providing online instruction.
One great option for this type of person is to earn an online accredited degree. This is a degree from a college or university that has accreditation, which means it meets established criteria for each degree it offers.
The programs at these online colleges vary. It is a good idea to learn as much as you can about each one before making your decision about which one to attend. Request information and study it closely to make sure they offer the degree of your choice. For whatever kind of degree you want to earn, there is probably an online college that offers it. You can get Associates, Bachelor’s or Master’s degree, a post-graduate degree or simply a certification that is needed to get a better job. Many of these online programs offer financial aid, as well.
There are so many advantages to getting an online degree. You do not have to commute at all. You can arrange your classes to fit into your life, not the other way around. Distance learning saves you time and money by being able to do it at your convenience around your life. The flexibility is one of the greatest assets of the online degree. You also get the added benefits of meeting and interacting with other teachers and students, and having a degree usually means having a better job and an increased salary.
However, it is important to make sure that your program is accredited. It does you no good to earn a degree from a fly-by-night program that leaves you with a degree or certification that no one will recognize and is only as valuable as the paper it is printed on. Your education is the key to your future, so you need to make sure that it is a good education.
If you were every considering getting a degree to get a different or better job, now is the time to do it. Online accredited degrees are receiving a lot of attention, and before long, they will be considered similar to degrees that are earned in the traditional way. Whether you sit in a classroom or sit at your computer, the same academic standards are applied to these degree programs. Get yours!
One great option for this type of person is to earn an online accredited degree. This is a degree from a college or university that has accreditation, which means it meets established criteria for each degree it offers.
The programs at these online colleges vary. It is a good idea to learn as much as you can about each one before making your decision about which one to attend. Request information and study it closely to make sure they offer the degree of your choice. For whatever kind of degree you want to earn, there is probably an online college that offers it. You can get Associates, Bachelor’s or Master’s degree, a post-graduate degree or simply a certification that is needed to get a better job. Many of these online programs offer financial aid, as well.
There are so many advantages to getting an online degree. You do not have to commute at all. You can arrange your classes to fit into your life, not the other way around. Distance learning saves you time and money by being able to do it at your convenience around your life. The flexibility is one of the greatest assets of the online degree. You also get the added benefits of meeting and interacting with other teachers and students, and having a degree usually means having a better job and an increased salary.
However, it is important to make sure that your program is accredited. It does you no good to earn a degree from a fly-by-night program that leaves you with a degree or certification that no one will recognize and is only as valuable as the paper it is printed on. Your education is the key to your future, so you need to make sure that it is a good education.
If you were every considering getting a degree to get a different or better job, now is the time to do it. Online accredited degrees are receiving a lot of attention, and before long, they will be considered similar to degrees that are earned in the traditional way. Whether you sit in a classroom or sit at your computer, the same academic standards are applied to these degree programs. Get yours!
Adult Continuing Education and Youthful Living After 40
There are two kinds of people in life: those who continue learning well past the last ringing of the high school class bell, and those who are trudging through life praying for retirement.
In my own life, 40 has finally arrived. Am I old? No. Should I feel old? Why?
School is twenty years in the past for myself, and yet, everyday is a learning experience for me. I am still learning astronomy and engineering from The Science Channel, and I am engaged in a daily pursuit of learning to be a better computer programmer.
I was one of those unlucky soles in that I graduated from high school in 1983. My choice career since 1979 was that of a computer programmer. In 1983, when I entered college, I was stoked. I was going after my dream to be a computer programmer.
Unfortunately, I was relegated to gaining my education from a two-year college, whose computer science teacher chose to live in the past. The college that was close to my home was my starting point in my college career, and they were stuck in the technologies of the 1960's and 1970's.
While in high school, I had been privileged enough to be able to have Personal Computers in the classroom. I was able to be schooled in computer programming on TRS-80's (fondly called Trash 80's by those who used them) and on the first Apple Computers to enter the marketplace.
The writing was on the wall. The future of computer programming was in the personal computer market. Yet, our instructor would only teach us Fortran, an already dying language. (By the mid- to late-1980's, nearly every major business had done away with those massive mainframe computers that relied upon the Fortran operating system.)
It was a very frustrating time in my life. I left college, disillusioned in the fact that I could not learn the kind of programming that I wanted to do in my life.
Move forward eleven years into the future. It was 1994 and Windows 3.11 was the computer operating system of choice. Now, that was a long time ago.
In 1994, I hooked myself up with my first personal computer, and then began the self-teaching process. In 2001, I began teaching computer programming to students who were paying for Adult Continuing Education courses as our local vo-tech.
For me, programming is an everyday learning experience. This past weekend, I was finally able to break through in my understanding of a concept that I had previously had a lot of problems in comprehending.
It was two days past my 40th birthday, and I had a major learning breakthrough. Even at 40, I am still young in heart and mind.
If I were to contribute only one thing to my youthful feelings that would be the fact that even at 40, I find time in my day to learn new things.
Are you continuing your education, or are you among the poor folks who are praying for time to race by so that you may enter into retirement? (the average person lives only 3 years past retirement. why should you be racing to the grave? instead, contemplate the possibility of racing to a life worth living...)
Adult Continuing Education is a worthwhile endeavor, whether you are 25, 40 or 85. Please endeavor yourself to learn something new today. You will feel much better once you have done so.
In my own life, 40 has finally arrived. Am I old? No. Should I feel old? Why?
School is twenty years in the past for myself, and yet, everyday is a learning experience for me. I am still learning astronomy and engineering from The Science Channel, and I am engaged in a daily pursuit of learning to be a better computer programmer.
I was one of those unlucky soles in that I graduated from high school in 1983. My choice career since 1979 was that of a computer programmer. In 1983, when I entered college, I was stoked. I was going after my dream to be a computer programmer.
Unfortunately, I was relegated to gaining my education from a two-year college, whose computer science teacher chose to live in the past. The college that was close to my home was my starting point in my college career, and they were stuck in the technologies of the 1960's and 1970's.
While in high school, I had been privileged enough to be able to have Personal Computers in the classroom. I was able to be schooled in computer programming on TRS-80's (fondly called Trash 80's by those who used them) and on the first Apple Computers to enter the marketplace.
The writing was on the wall. The future of computer programming was in the personal computer market. Yet, our instructor would only teach us Fortran, an already dying language. (By the mid- to late-1980's, nearly every major business had done away with those massive mainframe computers that relied upon the Fortran operating system.)
It was a very frustrating time in my life. I left college, disillusioned in the fact that I could not learn the kind of programming that I wanted to do in my life.
Move forward eleven years into the future. It was 1994 and Windows 3.11 was the computer operating system of choice. Now, that was a long time ago.
In 1994, I hooked myself up with my first personal computer, and then began the self-teaching process. In 2001, I began teaching computer programming to students who were paying for Adult Continuing Education courses as our local vo-tech.
For me, programming is an everyday learning experience. This past weekend, I was finally able to break through in my understanding of a concept that I had previously had a lot of problems in comprehending.
It was two days past my 40th birthday, and I had a major learning breakthrough. Even at 40, I am still young in heart and mind.
If I were to contribute only one thing to my youthful feelings that would be the fact that even at 40, I find time in my day to learn new things.
Are you continuing your education, or are you among the poor folks who are praying for time to race by so that you may enter into retirement? (the average person lives only 3 years past retirement. why should you be racing to the grave? instead, contemplate the possibility of racing to a life worth living...)
Adult Continuing Education is a worthwhile endeavor, whether you are 25, 40 or 85. Please endeavor yourself to learn something new today. You will feel much better once you have done so.
10 Great Online Degree Programs
Contemplating earning a degree online?
Depending on the course of study and field of specialization you’re interested in, there are lots of accredited degree programs that offer an excellent and convenient educational experience.
There are over a hundred undergraduate and graduate online degree programs. Too many to list here, so I’ll just give you a small sampling of some popular educational programs to get you started:
AIU Online – Earn your degree online in record time. Degrees in: business administration, criminal justice, information technology, visual communications.
DeVry University – Students have the ability to interact with faculty and other students while they earn their degree. Degrees in: business technology, information systems, human resources, business administration.
University of Phoenix – A superb national reputation for providing working professionals with quality education. Degrees in: business technology, education, nursing.
ITT Tech – ITT Technical Institute offers accredited online programs that can help you develop the knowledge and skills that can be used to enhance your technical career.
Kaplan University – Earn your degree, advance your career, and do it all without missing a day of work. Degrees in: business, criminal justice, technology and design, paralegal. Certificates in: forensic nursing, legal nurse consulting, financial planning.
Walden University – For 30 years, Walden has helped adult learners balance their personal and professional commitments while earning a respected degree. Convenient online Ph.D., masters, and bachelor degree programs.
The Art Institute Online – Start your career in design with distance learning programs that focus on multimedia, web, game art, graphic and interior design.
Clayton College of Natural Health (CCNH) – CCNH can prepare you for a rewarding career in natural health, holistic nutrition, naturopathy, and herbology.
University of Liverpool – Earn a masters degree from the university for business professionals worldwide. Liverpool has earned an international reputation for high quality.
Concord Law School – Nationally recognized Concord Law School offers a Juris Doctor (JD) degree and an Executive JD degree that can be earned 100% online.
As you can see, there’s a large variety of educational opportunities awaiting you online. Whatever your goals, whatever your dreams, you can now more easily achieve them at your own pace, and in the comfort of your own home.
Depending on the course of study and field of specialization you’re interested in, there are lots of accredited degree programs that offer an excellent and convenient educational experience.
There are over a hundred undergraduate and graduate online degree programs. Too many to list here, so I’ll just give you a small sampling of some popular educational programs to get you started:
AIU Online – Earn your degree online in record time. Degrees in: business administration, criminal justice, information technology, visual communications.
DeVry University – Students have the ability to interact with faculty and other students while they earn their degree. Degrees in: business technology, information systems, human resources, business administration.
University of Phoenix – A superb national reputation for providing working professionals with quality education. Degrees in: business technology, education, nursing.
ITT Tech – ITT Technical Institute offers accredited online programs that can help you develop the knowledge and skills that can be used to enhance your technical career.
Kaplan University – Earn your degree, advance your career, and do it all without missing a day of work. Degrees in: business, criminal justice, technology and design, paralegal. Certificates in: forensic nursing, legal nurse consulting, financial planning.
Walden University – For 30 years, Walden has helped adult learners balance their personal and professional commitments while earning a respected degree. Convenient online Ph.D., masters, and bachelor degree programs.
The Art Institute Online – Start your career in design with distance learning programs that focus on multimedia, web, game art, graphic and interior design.
Clayton College of Natural Health (CCNH) – CCNH can prepare you for a rewarding career in natural health, holistic nutrition, naturopathy, and herbology.
University of Liverpool – Earn a masters degree from the university for business professionals worldwide. Liverpool has earned an international reputation for high quality.
Concord Law School – Nationally recognized Concord Law School offers a Juris Doctor (JD) degree and an Executive JD degree that can be earned 100% online.
As you can see, there’s a large variety of educational opportunities awaiting you online. Whatever your goals, whatever your dreams, you can now more easily achieve them at your own pace, and in the comfort of your own home.
7 Strategies for success with Distance Learning
Distance learning has opened doors for many students, especially for those who cannot afford to pay for the high fees of full-time courses. Although online distance learning courses have many advantages over on-campus degree courses, many factors come into play in order to make this a success for students. Due to the differences in the way that education is being delivered and acquired, adjustments and changes in approaches need to be undertaken.
Selecting the right distance learning school.
The first element for success is to choose the right distance learning school. There are many unscrupulous “degree mills” around in the market that are only keen to sell their degrees without providing good education and ample student support. As a result, the degrees offered by these institutions may not be recognized, or may sometimes even be regarded as bogus degrees. In order to prevent this, do the proper background check on the institution you are considering with the relevant authorities to verify on their accreditation and authenticity before registering.
Cost-benefit analysis
Some students enroll in an online distance learning course without doing a cost benefit analysis of taking the course in the first place. It is a known fact that obtaining an education requires a hefty sum of investment. However, this should be compared with the potential additional income that can be generated from the degree that is earned. Only then can the full rewards be reaped from gaining an online degree.
Degree positioning to employers.
There have been many cases where employers were wary of the validity of online degrees. With so many online institutions selling degrees, it is justified for employers to exercise caution. Although a distance learning degree may be 100% legitimate, it would help if you provide adequate explanation on the accreditation of the degree in order to avoid misunderstanding. By stressing that the accreditation body which accredited your institution or your program is recognized by the US Department of Education as well as CHEA, you can then eliminate any doubts that employers about the validity of your degree.
Exercise discipline, determination and time management.
In the actual course of study, many students lack discipline and focus and therefore are unable to keep up with online lessons and assignments. It is very important for distance learning students to have great determination to succeed, as it is very easy to get de-motivated and distracted when you are alone with no peers. Good time management along with communication with other students would make excellent measures for success.
Make full use of facilities provided.
Many distance learning online courses offer online lectures and email correspondence to facilitate communication with lecturers, tutors and other students. These facilities should be utilized as much as possible as it provides a link back to the education institution. Furthermore, this would be a great source of motivation in order to keep progressing through the course of study.
Utilize credit transfers.
Most distance learning institutions allow students to transfer their credits from other courses that they had taken from other universities or colleges. This way, students will not have to repeat what they have already learnt. In order to do this, it is important for distance learning students to obtain transcripts and results from their previous schools and send them to their distance learning online university to obtain credit transfers.
Good utilization of technology for education.
The final element for distance learning success it the ability to make full use of the conveniences that technology has to offer. Many online universities provide students with online research resources that are valuable for completing assignments or producing research papers. The cost of facilities such as virtual libraries and online books has probably been factored into the fees paid and therefore it makes good sense to utilize these facilities to the fullest.
Selecting the right distance learning school.
The first element for success is to choose the right distance learning school. There are many unscrupulous “degree mills” around in the market that are only keen to sell their degrees without providing good education and ample student support. As a result, the degrees offered by these institutions may not be recognized, or may sometimes even be regarded as bogus degrees. In order to prevent this, do the proper background check on the institution you are considering with the relevant authorities to verify on their accreditation and authenticity before registering.
Cost-benefit analysis
Some students enroll in an online distance learning course without doing a cost benefit analysis of taking the course in the first place. It is a known fact that obtaining an education requires a hefty sum of investment. However, this should be compared with the potential additional income that can be generated from the degree that is earned. Only then can the full rewards be reaped from gaining an online degree.
Degree positioning to employers.
There have been many cases where employers were wary of the validity of online degrees. With so many online institutions selling degrees, it is justified for employers to exercise caution. Although a distance learning degree may be 100% legitimate, it would help if you provide adequate explanation on the accreditation of the degree in order to avoid misunderstanding. By stressing that the accreditation body which accredited your institution or your program is recognized by the US Department of Education as well as CHEA, you can then eliminate any doubts that employers about the validity of your degree.
Exercise discipline, determination and time management.
In the actual course of study, many students lack discipline and focus and therefore are unable to keep up with online lessons and assignments. It is very important for distance learning students to have great determination to succeed, as it is very easy to get de-motivated and distracted when you are alone with no peers. Good time management along with communication with other students would make excellent measures for success.
Make full use of facilities provided.
Many distance learning online courses offer online lectures and email correspondence to facilitate communication with lecturers, tutors and other students. These facilities should be utilized as much as possible as it provides a link back to the education institution. Furthermore, this would be a great source of motivation in order to keep progressing through the course of study.
Utilize credit transfers.
Most distance learning institutions allow students to transfer their credits from other courses that they had taken from other universities or colleges. This way, students will not have to repeat what they have already learnt. In order to do this, it is important for distance learning students to obtain transcripts and results from their previous schools and send them to their distance learning online university to obtain credit transfers.
Good utilization of technology for education.
The final element for distance learning success it the ability to make full use of the conveniences that technology has to offer. Many online universities provide students with online research resources that are valuable for completing assignments or producing research papers. The cost of facilities such as virtual libraries and online books has probably been factored into the fees paid and therefore it makes good sense to utilize these facilities to the fullest.
6 Common Misconceptions about Study Abroad Programs
With over 100,000 college students studying abroad every year, there’s bound to be all kinds of tall tales, urban legends, and misinformation swirling around. While there may be grains of truth in some of these stories, below are some common misconceptions about study abroad.
Misconception #1: Studying abroad is very expensive.
Truth: In most cases, it is actually cheaper to study abroad. Let’s say the tuition at your school is $5,000 per semester and room and board is another $4,000. Now add in the additional fees you have such as health insurance, books, and laundry. You are now well over $10,000 for the semester. Well, all but one of our programs in Spain is under $10,000 per semester and that includes everything except your airfare and spending money.
Misconception #2: I can’t use my financial aid to study abroad.
Truth: In almost all cases, your federal aid (Stafford loans, Pell grants, etc.) can be used to study abroad and in some states, you can use your state aid as well. It is also not uncommon for your federal aid to increase when you study abroad since some of your school scholarships may not transfer.
Misconception #3: Host families are all poor and just do it for the money.
Truth: The last thing any study abroad company wants to do is have an unhappy student on their program. The goal is for the students to be happy so that they will tell their friends what a great time they had. If we were putting students in bad families, in dangerous neighborhoods, then no one would ever recommend us to their friends. Since the number of universities that endorse our program doubled over the last year, it’s a pretty sure bet that students are happy with our choice of families.
Misconception #4: I’ll be so busy with schoolwork that I won’t get time to see the country I’m in.
Truth: This one is hysterically funny since your average study abroad student comes home with about 400+ photos from a long list of countries. Students have plenty of opportunities to travel and we even take our students on trips to give them a better feel for the country they are in.
Misconception #5: I might not graduate on time if I go abroad.
Truth: If you have already used up all of your elective or general education courses, then it’s true that you might need to bulk up on courses before or after you go abroad. If you plan ahead, however, and leave some electives open to you, then you should be fine. The clear majority of students who study abroad still graduate in four years, despite being away from their home campus for a semester or two.
Misconception #6: Most of the world hates Americans, so I won’t be safe.
Truth: There’s no doubt that there are a lot of people who don’t like the American government, but that has nothing to do with the American people. If you compare the violent crime rate in the United States to that of European, Australian, or Asian countries, you will see that the United States is actually far more dangerous. There are some areas of South America and Africa that are not especially safe, but there are also many countries on those continents that are incredibly safe. Go to the U.S. State Department website and check out the crime statistics on the country you are interested in to see how safe it is.
Studying abroad is a once-in-a-lifetime opportunity that every college student should take advantage of. Before dismissing it due to the bad experience of one friend or rumors you have had heard, speak with your study abroad advisor and get the facts. I guarantee that once you look at all that studying abroad can offer you, you’ll be hopping the first flight abroad.
Misconception #1: Studying abroad is very expensive.
Truth: In most cases, it is actually cheaper to study abroad. Let’s say the tuition at your school is $5,000 per semester and room and board is another $4,000. Now add in the additional fees you have such as health insurance, books, and laundry. You are now well over $10,000 for the semester. Well, all but one of our programs in Spain is under $10,000 per semester and that includes everything except your airfare and spending money.
Misconception #2: I can’t use my financial aid to study abroad.
Truth: In almost all cases, your federal aid (Stafford loans, Pell grants, etc.) can be used to study abroad and in some states, you can use your state aid as well. It is also not uncommon for your federal aid to increase when you study abroad since some of your school scholarships may not transfer.
Misconception #3: Host families are all poor and just do it for the money.
Truth: The last thing any study abroad company wants to do is have an unhappy student on their program. The goal is for the students to be happy so that they will tell their friends what a great time they had. If we were putting students in bad families, in dangerous neighborhoods, then no one would ever recommend us to their friends. Since the number of universities that endorse our program doubled over the last year, it’s a pretty sure bet that students are happy with our choice of families.
Misconception #4: I’ll be so busy with schoolwork that I won’t get time to see the country I’m in.
Truth: This one is hysterically funny since your average study abroad student comes home with about 400+ photos from a long list of countries. Students have plenty of opportunities to travel and we even take our students on trips to give them a better feel for the country they are in.
Misconception #5: I might not graduate on time if I go abroad.
Truth: If you have already used up all of your elective or general education courses, then it’s true that you might need to bulk up on courses before or after you go abroad. If you plan ahead, however, and leave some electives open to you, then you should be fine. The clear majority of students who study abroad still graduate in four years, despite being away from their home campus for a semester or two.
Misconception #6: Most of the world hates Americans, so I won’t be safe.
Truth: There’s no doubt that there are a lot of people who don’t like the American government, but that has nothing to do with the American people. If you compare the violent crime rate in the United States to that of European, Australian, or Asian countries, you will see that the United States is actually far more dangerous. There are some areas of South America and Africa that are not especially safe, but there are also many countries on those continents that are incredibly safe. Go to the U.S. State Department website and check out the crime statistics on the country you are interested in to see how safe it is.
Studying abroad is a once-in-a-lifetime opportunity that every college student should take advantage of. Before dismissing it due to the bad experience of one friend or rumors you have had heard, speak with your study abroad advisor and get the facts. I guarantee that once you look at all that studying abroad can offer you, you’ll be hopping the first flight abroad.
5 Questions To Ask Yourself Before Taking Your First Online Class
Just a few short years ago, the idea of taking a college course through the Internet was something online “techies” considered. Now that people realize how convenience it is to take a class without leaving home, more and more people are taking advantage of using their computer to learn.
But while the technology used for online classes is so simple just about anyone can become an online student, you should ask yourself the following 5 questions first – and save yourself a lot of stress!
1) Do you have the time?
Many people think – mistakenly – that online courses are “easier” than traditional campus classes. But most online classes require regular participation. So, you must have the time to “log on” to your course several times each week, complete the assignments and do your homework, and interact with the other students.
All of this takes time…and, you have to account for the time you would normally have spent in the classroom. If you have the time, you will find taking an online class to be very convenient!
2) Do you have the discipline?
Sure, most online classes don’t require you to be on the computer at a specific time (although some do). So it is up to you to make sure you check in on your class several times each week. With a busy work schedule, sports, hobbies, housework, kids, it’s easy to put your class low on your priority list. And that could mean big trouble when it comes time to get your grade.
It’s not the teacher’s job to remind you to keep up with your work – that’s your responsibility. A simple way to make this work is to create your own schedule, so each week you know exactly when it’s time to “go to class”!
3) Do you have the money?
While there are many free or low-cost online “self help” courses available, college courses almost always cost the same whether you take them on-campus, or online. Colleges have to buy the software, train their faculty, and offer student services after hours – so expecting online courses to be less expensive is not reasonable.
On the other hand, the same financial aid is often available for online classes, just as with campus classes. So, money should not stop any student from furthering their education!
4) Do you have the right technical skills?
Fortunately, you don’t have to be a computer “genius” to take an online class. The technology has become very simple for students and teachers to use, so that students who can “surf the Internet” and use email usually have the necessary technical skills.
Before getting started, the school offering the course should have a sample course, tutorial, or other training to help you determine if there are any skills you need to learn, so you can become a successful online student!
5) Do you have the right computer equipment?
Since most online classes are taught through the Internet, students usually don’t need any special computer equipment. However, most online classes require students to have reliable access to the Internet, an email account (and the knowledge to use it), a word processor (such as Microsoft Word), and antivirus software. Check with your school to see if there are any other requirements.
A high speed internet connection is usually not required, but if instructors use graphics, videos, audio lectures, or other big files, a high speed connection (such as DSL or cable) will help you open the files, and do you work, more efficiently!
Are you ready now to take your first online class? Then it’s time to contact your local college, or search the internet for an online class directory, and see what online courses you can take!
But while the technology used for online classes is so simple just about anyone can become an online student, you should ask yourself the following 5 questions first – and save yourself a lot of stress!
1) Do you have the time?
Many people think – mistakenly – that online courses are “easier” than traditional campus classes. But most online classes require regular participation. So, you must have the time to “log on” to your course several times each week, complete the assignments and do your homework, and interact with the other students.
All of this takes time…and, you have to account for the time you would normally have spent in the classroom. If you have the time, you will find taking an online class to be very convenient!
2) Do you have the discipline?
Sure, most online classes don’t require you to be on the computer at a specific time (although some do). So it is up to you to make sure you check in on your class several times each week. With a busy work schedule, sports, hobbies, housework, kids, it’s easy to put your class low on your priority list. And that could mean big trouble when it comes time to get your grade.
It’s not the teacher’s job to remind you to keep up with your work – that’s your responsibility. A simple way to make this work is to create your own schedule, so each week you know exactly when it’s time to “go to class”!
3) Do you have the money?
While there are many free or low-cost online “self help” courses available, college courses almost always cost the same whether you take them on-campus, or online. Colleges have to buy the software, train their faculty, and offer student services after hours – so expecting online courses to be less expensive is not reasonable.
On the other hand, the same financial aid is often available for online classes, just as with campus classes. So, money should not stop any student from furthering their education!
4) Do you have the right technical skills?
Fortunately, you don’t have to be a computer “genius” to take an online class. The technology has become very simple for students and teachers to use, so that students who can “surf the Internet” and use email usually have the necessary technical skills.
Before getting started, the school offering the course should have a sample course, tutorial, or other training to help you determine if there are any skills you need to learn, so you can become a successful online student!
5) Do you have the right computer equipment?
Since most online classes are taught through the Internet, students usually don’t need any special computer equipment. However, most online classes require students to have reliable access to the Internet, an email account (and the knowledge to use it), a word processor (such as Microsoft Word), and antivirus software. Check with your school to see if there are any other requirements.
A high speed internet connection is usually not required, but if instructors use graphics, videos, audio lectures, or other big files, a high speed connection (such as DSL or cable) will help you open the files, and do you work, more efficiently!
Are you ready now to take your first online class? Then it’s time to contact your local college, or search the internet for an online class directory, and see what online courses you can take!
3 Alternatives For Investing For Your Child’s Higher Education Costs
With higher education tuition increasing at double digit year over year percentages an effective saving plan for your kid’s education is becoming much more important than it has been before. Most families will discover that their future higher education costs will be much more than they have saved for their kid’s education. This leaves many kids to be faced with obtaining financial aid to pay for a portion of their college education. The goal of this article is to explore the pros and cons of 4 common investment options when saving for college. This article will also explore why some of these options are better than other when considering a portion of your kid’s education may be funded by financial aid.
529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.
529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.
Uniform Gifts to Minors Act/Uniform Transfers to Minors Act
(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.
Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.
In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.
529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.
529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.
Uniform Gifts to Minors Act/Uniform Transfers to Minors Act
(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.
Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.
In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.
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