Friday, October 19, 2012

Answer Ten Questions Before Buying Car Insurance

If you are new in buying car insurance, you should find the most appropriate guide. It is highly suggested to work with a car insurance agent to help you finding the best policy. Otherwise, in order to buy car insurance much easier, you should prepare yourself to answer these ten questions. By answering these ten questions, you will be able to buy car insurance appropriately. Here we go!
The first question is how much coverage you need. The second question is how the review of your current insurance. The third question is how clean or good your driving record is. The fourth question is how competitive the quotes are. The fifth question is how the results of company information you have gathered. The sixth question is how easy you can make a contact with specified insurance companies. The seventh question is how you can be eligible to get discounts. The eighth question is how you can assess the insurance company's track record. The ninth question is how the result of your attempt to review the policy before signing it. The last question is how you can cancel your old policy. In conclusion, you will draw your own conclusion after you complete answering all of those questions.

Wednesday, October 10, 2012

The Benefits Of Online Loans Compared To The Traditional One

       Sometimes, we may face financial problem even though we have planed every little things for a particular months. Yes, it is true that sometimes, in a particular month, we can have some unexpected bills, which need to be paid. This makes our plan fail because we will need extra cash to meet the needs in that particular months. This may be very troublesome and stressful. In this circumstance, it seems that online payday loans can be a good alternative to get extra cash in short time with easy application system. You can get some benefits from applying online loans rather than applying the traditional loan in local banks.

       Firstly, online loans do not require you to send so many documents about you and your family as well as any information related to your job. You can simply register yourself online by filling out the simple online form, which only requires some important information such as your bank account number, your job and your earnings, etc. Secondly, the process is a lot shorter compared to traditional loan. Within a day or two, you will get the cash you asked. You can pay the bill without getting penalties. Thirdly, the payment system is easy. You can pay the loan in your next payday.

Tuesday, September 11, 2012

Business Schools Turn Focus to Practical Learning

Finishing your post-secondary degree is something to be proud of. Requiring hard work and focus, your education is intended to prepare you to join the workforces of the real world. But more often than not, graduates with business degrees are finding it just as difficult to find employment as those who do not have a university degree. The reason for this is simple. Applicants are the lacking practical and applicable experience that businesses are looking for in their new hires.
That is why it is a good idea to consider investing in an education that can provide hands-on training. Employers want to hire people that have an idea of how the real world works, who are informed and up to date on the current economic and social conditions. They want employees that exist in the real world. Taking classes that focus on these areas while providing you with practical training is one of the best ways to ensure that you find fulfilling employment with a company that you can grow with. A business diploma can fill the gap between the real world and a formal education.
Business colleges have a range of classes available, including Business Administration, Law Clerk, Sales Professional, Project Administration, Marketing Coordinator and Conference and Event Planner. These classes provide additional training in finance, marketing, software applications, business decision-making and human resource management.
There are many things that can be taught from a book in regards to business training. Unfortunately, teamwork, leadership and communication skills cannot; they must be learned through practice and repetition, and real world application. Business colleges provide this type of education because the students work in real-life environments. The focus is on learning, as opposed to teaching, making the student the focus of the education. Students learn by doing, as opposed to simply hearing or learning about a practice or situation.
And people can learn at their own rate. Many business schools allow students to base their schedules around the obligations of their daily lives, leaving them free to learn at whatever pace works best for that student. If a particular concept is misunderstood, students are encouraged to stay behind until they grasp the entirety of a theory, or lesson. This accessibility to individual tutoring provides students with additional training if they feel it is required. Financial aid is even offered at most schools, so that qualified students can focus on their education without having to stress about expenses.
So, if practical experience and training is what it takes to get you in the door of your dream job, then consider looking into the business colleges in your area. They might be able to provide you with the real life experience that you need to stand out in a room full of business applicants.

Wednesday, June 6, 2012

An Education You'll Never Forget

You made it!
You got the grades, aced the test, got accepted, and you are now a college student. Even though you worked hard to get to college, the same can't be said of crime, criminals, accidents and other hazards. I'm not trying to scare you, the college experience is an amazing one, and one of the best memories you can ever build, not only will you learn a lot, but you'll get to meet some amazing people, and encounter some amazing knowledge. However, for a few of you, some of these people can alter your college experience and give you an education you will never forget.
College and universities are not more dangerous than any other place in the United States, but they are not necessarily any safer. Crime happens in bad neighborhoods as well as good neighborhoods, even though the latter is not necessarily reported at the same frequency.
College is just a stepping stone that can help prepare you to live in the real world. Not only will you meet new friends, and great instructors, however there are all sorts of other people in, including scammers, predators, and other criminals.
Your College Crime Stats
Do you know what your campus crime stats are? In many cities, the crimes that happen on campus are separate from the crimes that happen off campus. Because of the Jeanne Clery Act colleges and universities are required to disclose annual statistics on student-related crime. In 1986, after a young woman was murdered on the campus of the college she was attending, her parents lobbied to gain passage of federal legislation to make this required.
The U.S. Department of Education has a tool on its website that can show you how safe various college campuses are.
Interesting facts
  • College statistics show one in four college women surveyed are victims of rape or attempted rape
  • 85% of rapes on campus are acquaintance rapes
  • One in six female college students reported having been a victim of rape or attempted rape during the preceding year
  • There are also the crimes of theft, and robbery on and off campus.
How to be a crime victim
Educate yourself! Your campus police have lots of information and lots of classes. Many campuses have RAD classes for young ladies to learn how to protect themselves. There is absolute no way to prevent from becoming a crime victim and live a normal life. However there are things you can do to greatly reduce your chances of being included in the above statistics.
  • Trust your instincts. If you have a 'bad feeling ' or feel uncomfortable about a situation, location, or person quickly remove yourself from that place..

  • Be aware and observe your surroundings. Knowing where you are and who is around you may help you to find a way to escape of a bad situation.

  • Try to avoid isolated and secluded areas. It is more difficult to get help if no one else is around.

  • Walk with a purpose and confidence. Even if you don't know where you are going, act like you do, and remember to look around.

  • Try not to load yourself down with packages or bags as this makes it harder to defend yourself.

  • Avoid putting music headphones in both ears so that you can be more aware of your surroundings, especially if you are walking alone.

  • Make sure your cell phone is with you and charged and that you have cab money. Do not keep your head down texting, or be so busy talking that you miss clues.

  • Don't allow yourself to be left alone with someone you don't trust or someone you don't know. Meet new people in public places.

  • Carry Pepper Spray - because it works. If you are out walking and can keep it in your hands, these gives you the best chance to use it when you need it.

Thursday, May 31, 2012

IT Grads: Go to Grad School or Join the Work Force Now?

With the tight job market, many graduates in IT and other areas are tempted to go to graduate school instead of braving the market. This move might be good for some and not so good for others, depending on your situation. Below are pros and cons to consider concerning going to grad school.
Graduate School Pros: 
Going to grad school is a good idea for some people. If you are one of those students who really likes to learn and wished you could keep going to college, you might be a candidate for graduate school. You also might be a good candidate if you believe a larger yearly strategy is worth waiting a couple years. Professionals with graduate degrees generally make larger yearly salaries.

If the idea of being on the cutting edge of research and learning new theories and ideas that are not yet applied in the work place appeals to you, you might also like graduate school. Finally, you might choose graduate school if you do not like the idea of starting at a very low entry-level position. You are more likely to have access to jobs that give you a high degree of responsibility after proving your leadership abilities as part of a graduate research team or as a graduate teaching assistant.
Graduate School Cons: 
Graduate school is not for someone who needs to make money right out of college. If you have a mountain of debt that just won't wait until you finish an advanced degree, then you might want to forgo graduate school, at least until you are more financially stable.

Instead, you will find that school means that you start out making money, instead of spending it on more tuition and books. Going straight into the work force also means that you will gain more practical experience than someone coming from grad school. In other words, you get to jump right in and get your hands dirty. Also, you will have more experience in the everyday skills all corporate workers experience.
Only you know what is the right path for you 
There is no one right career path. You will need to sort out for yourself what is the most sensible route for you. If you have the means, patience, and intellectual curiosity, you might consider grad school. If you like to get your hands dirty and want to get right to work, you might want to jump right in to the job market.

As always, only you can make the choice.

Wednesday, May 23, 2012

Publishers Perish: Ending Unjustified Subsidies For The University Press

College professors have long been told that they must publish or perish. The universities that print their books are facing a different ultimatum: stop wasting money on ancillary activities, like publishing, or perish.
While universities around the world operate presses devoted to scholarly work, only the University of Chicago, Oxford and Cambridge University presses are generally believed to be profitable. The rest rely upon their university to fund them through the tuition, endowments, and, in some cases, state subsidies that finance general campus operations.
This practice is beginning to fade. Facing rising costs, about half a dozen schools have closed or suspended their presses within the past three years. The University of Missouri is the most recent example of school officials confronting their problematic press. The school's new president, Timothy M. Wolfe, has announced that the university will no longer continue to shelter its unprofitable publishing arm. The University of Missouri Press now must operate without the $400,000 annual subsidy it previously received. To make ends meet, some paid employees will be replaced with students.
Predictably, professors are horrified. Without amply funded university presses, many fear that the dissemination of knowledge will cease and academia will fall into a Dark Age. Arguing that a university is intended to both educate students and provide faculty an opportunity to engage in important intellectual discourse, college professors claim that this sort of intellectual discourse cannot be sustained by an unsubsidized or commercial publishing house.
I am not arguing that research unsuited to commercial publishing has no value, nor am I arguing that professors should slavishly grade papers into the night without a spare minute to advance their specialized fields of knowledge. I have one simple objection to the current system: It is unconscionable for universities to subsidize their faculty's publications while students are racking up ever-higher debt to pay skyrocketing tuition.
Professors would likely argue that students benefit indirectly from the money they involuntarily contribute to university presses, with better-informed and better-known faculty to teach them. In reality, however, the professors who spend the most time on research and publishing are often the ones who spend the least time teaching undergraduates. Those undergrads help fund the tenured faculty's research while being taught by graduate assistants and non-tenure-track adjuncts.
Fortunately, there are many ways professors can share their knowledge without financially burdening their students. One way is to rely on private and government grants to finance the publication of scholarly works.
Alternatively, professors might consider making their work more accessible to a larger audience in order to attract commercial publishers. Clear, understandable writing can make even a technical topic interesting to a non-technical reader. And as self-publishing becomes easier, academics themselves could pay for the cost of publishing. They can then recoup their investment if their books sell. At the very least, such self-publication should count for tenure or promotion.
Also, if what truly matters is academic exchange, not nicely printed book jackets with flattering author photos, professors can find cheaper ways to communicate. Progress does not require printed books. Electronic publishing is cheaper, though not always cheap enough. Rice University replaced its traditional press with a digital-only one, but was forced to shutter its virtual doors after four years due to costs that were still too high.
Regardless of how professors publish their work, it should not be done at students' expense. The University of Missouri administration has wisely taken away its press's subsidy. That this is such a rare and newsworthy event says a lot about what's wrong with the way American universities are managed.

Tuesday, May 15, 2012

Does Dropping a College Class Show a Lack of Strength of Character?

During all my days in college I only dropped one college class. You see, I didn't believe going to a few classes before the drop date was enough to ensure that I liked the teacher or the class. Also, I realized there was a weeding out process, and it didn't make sense to be the one who got weeded out, I always felt I was better than that, and was never afraid of hard work, or the adversity which comes with some of the tougher classes.
Further, I realized there would be monotone professors in future classes where dropping the class just wouldn't be an option, and I may as well get used to it now. The other day, I was talking to an acquaintance about that, and he said he never dropped the class in college because he felt that would show a lack of strength of character. Is this true? In many regards I think what I was explaining above is along the same lines of thinking. It does somewhat reveal character, but sometimes there are such overwhelming circumstances that only a fool would not drop the class.
You see, I've been in classes where the teacher or instructor was unworkable, wouldn't answer questions, talked in monotone, or didn't have what I felt was the knowledge to justify my cost, thus, felt it was more responsible to drop the class in that case. So there is that point is well, and I'm sure you see the rationalization for the occasional dropping of a college class. Also you might realize that it costs a lot of money to go to some of these classes, and you shouldn't have to pay for something that is not serving you.
As a college student you are also a consumer, and you should vote with your dollar and your feet. Too often colleges are so authoritarian-based they think they can get away with lousy professors with tenure who don't really care about the class they are teaching, and are merely assignment coordinators for you to read various passages in the textbook, do rote memorization, and then answer the test questions which they purposely make tricky to trip you up.
If that's all these classes have to offer, then perhaps you should occasionally drop a class - because otherwise you could study all that information on the Internet anyway. I can tell you this, since I left school I have always studied and learned at a maximum level equal to or more so than during my time in college. Today with the Internet, you don't really need to go to college if you just want the information. Of course, college is an experience in and of itself, a chance to socialize, and it's quite fun. Still, you have to decide if you want to deal with these types of classes, pay for them, and then deal with the student loans after you graduate.
Staying in classes that cost too much money and will further deepen you in debt causing you to live your business career in economic enslavement makes no sense whatsoever. Much of this information is available online in YouTube videos and lectures, and you can buy a textbook from the used bookstore or thrift store for under two dollars these days. Indeed I hope you will just please consider all this and think on it.