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.

Friday, May 11, 2012

Is Changing Your College Major a Sign of Weakness?


The other day, I was talking to an acquaintance about his college education and how he believed it helped him succeed in life and business. He told me that one of the secrets to his success was never changing his college major. He felt that those who had would appear to be wishy-washy, end up with extremely high student loans, and would be more likely to switch professions out in the real world as well. Some of what he's saying is probably true, but let's go ahead and talk about this for second shall we?
You see, it appears to me that in life people now change their careers every 2.3 years, so, I wonder if rigidness towards a major is wise, perhaps a more homing in on the niche within the niche or moving within in the overall category without changing the entire category of the major? Indeed, I asked my acquaintance; "would you agree or disagree with that concept?" Now then, I would like to ask my reader of this article to consider the same thing.
Some might say that switching your focus makes it very difficult to become an "outlier" as it takes 10,000 hours to become an expert in anything. If you were constantly switching your focus and your life's mission you can never become great at one thing, therefore you become a master of none. If you are a master of no human endeavor, business career, or skill - then what good are you to an employer? Yes, I think this gets back to his major point.
Further, why would your spouse ever wish to hook up with you and get married if you are busy switching your life focus, as it shows a lack of stability, which may even cause you to get a divorce later on, leaving you both frazzled and in a disarray during a subsequent future transitional period, which indeed also means a transitional period with personal economic challenges. Too many of those on your way to retirement, and you just aren't going to have all you need.
So, is changing your college major a sign of weakness? It may or may not be; it might be the prudent thing to do, but it might also show poor decision-making, bad strategy, and indicate that your future life will also be a series of changes preventing you from ever becoming great at one thing. Still, it also might help you with such transitional periods because as Einstein said; "change is the only constant." Okay so, I'd like you to think about it, and I hope you will please consider all this.

Thursday, May 3, 2012

5 Benefits Offered at a Local Community College


Community colleges offer many benefits to high school graduates looking to get a higher education. However, these two-year schools are also beneficial to adults who want to go back to school, or brush up on a few lost skills. By taking community college courses, you can find yourself saving time and money, and use the skills earned to even make a little more money down the line. Below are five reasons to consider enrolling.
Close to Home
If you work and the nearest college is several miles away and/or costs too much, a closer campus may prove to be a better alternative. They usually offer the same or similar courses, and if one is nearby, your commute is much lighter than having to go out of town to a university.
Lower Prices
In many cases, courses at a community college are much cheaper than those at a four-year college or university. By taking classes there, you could save thousands of dollars in just the year or two you spend. As a result, you will not have to take out as many student loans, saving you a bit of a headache in the long run.
Professional Certification
Many community colleges offer professional certification or workforce development programs, which allow students to pick up relevant job training skills and experience. The certification programs require the student to complete a set number of hours. In some cases, the credits can go towards a Master's degree, but also a higher salary or advancement within the company.
Adult Education
You may want to learn more about a specific field, or just pick up a new hobby. Community colleges offer courses in both that teach various skills. Those skills include computers and technology, photography, arts and crafts, and foreign languages. In many cases, you may only need one or two courses, instead of going for a degree. However, the knowledge learned can still refresh skills you have not used in years. By consulting the course catalog, you can easily find a number of classes to help you attain your goals.
Flexible Scheduling
If you have a busy lifestyle due to work or raising a family, community colleges offer flexible schedules that fit your full plate. You can attend evening courses or weekend classes in between your work week. In addition, many schools offer distance learning, where a student can take courses online from his or her computer, tablet or smartphone. This is a new alternative providing convenience for any student on the go.

Thursday, April 26, 2012

How to Start Your Career After You Graduate


Many recent college graduates are asking, "now what?" This is the tightest job market in years for new graduates, and many are having trouble finding gainful employment, and even more trouble starting their careers. Here are some steps for recent grads to follow.
Know what you want 
Before graduating it is a good idea to know what you want to do, the more specific the better. Sometimes that is not practical, though. It's not uncommon to graduate and find that your plans are unrealistic. It's OK, though, because this is chance at a fresh start. When starting over, think about all the facets of the ideal career. Investigate the most in-demand jobs and the skills and credentials required. The more specific your career goals, the more likely you are to achieve them.

Know what's required 
Now that you know where you want to go, be sure to do your homework to find out what you need to do to get there. What are the credentials and skills required for an entry level position? What requirements should you meet long term? What do you have to do to be considered for a job. For a teaching position, for instance, most employers will not consider you without meeting licensing and credentialing requirements.

Make contacts 
Do you know anyone who works in your target career? If not, start asking around. There is a chance you know someone who knows someone who works in the field. Keep talking to people until you find someone who can give you career advice or point you in the direction of career opportunities. Ask people for information interviews, in which they give you advice about breaking into or advancing in your field.

Work your network 
Once you have several contacts, work your network. Ask people to keep their eyes open for opportunities. If you have developed a strong enough rapport and made a good impression on your contacts, your name should be on the tip of their tongue when asked to recommend someone for an opportunity for which you are qualified.

Make a good impression 
It's also important to make a good impression on anyone interviewing you, prospective coworkers, etc. Submit a professional-looking resume with cover letter. Send thank you letters to anyone you meet in the interview.

Don't give up! 
Keep your spirits up and remind yourself how qualified and deserving of the position you are. If you don't get this one, keep going until you hit the jackpot. If you quit before getting the job, you'll never know if the next one would have been the golden opportunity.

Tuesday, April 17, 2012

The Most Important Skills for Today's Graduates Starting New Careers


For students graduating from college today, it's no secret that the job market is really tight. Many new graduates are wondering whether the skills they are studying will pay off in job prospects. The good news is that there are still jobs waiting for graduates with the right skills. Even if someone graduates in a major that does not correspond with one of the hotter careers out there, there are certain skills that can make you more marketable. Recent surveys of the best careers for new graduates include a variety of kinds of jobs, but, surprisingly, there are similarities in some of the skills required. Most of today's hottest careers include a combination of technical and "soft skills," also known as people skills. Here are some of the most in-demand skills in each category.
Technical Skills 
Computer and Information Technology skills are still in demand, but not as much as in the past. Also, there is frequently a strong social component to the tasks that will need to be performed. For example, you might need to work with a team to complete your work, or use verbal skills to help a client trouble shoot technical problems. Similarly, several careers involving use of statistics, financial, or legal principles also require you to communicate clearly, listen attentively, solve problems, and work as part of a team. Technical skills are still important, but now it is just as important that you can use them to work well with others.

"Soft Skills" 
Just as technical skills are most useful in combination with other "soft skills," so too are people skills most effective when used in a specific technical background. For example, entry level sales agents for financial services are in demand. In order to be successful at this job, it is necessary to listen and communicate effectively with clients. Great communication skills will not help too much, though, unless you have a thorough understanding of the variety of financial products, how they work, and how they can meet your clients' needs.

Besides communication skills and teamwork, "soft skills" also include problem solving and critical thinking. Imagine that you are working in computer networking. In order to configure the network to meet the unique needs of your client, you will need to be able to solve problems and think "outside of the box." In fact, employers report that the ability to learn quickly and think critically is as important as (or even more important than) specific content knowledge. In other words, you should know how to set up the system and how to troubleshoot if you run into problems.

Monday, April 9, 2012

What Skills Do Graduates Need for Successful IT Jobs?


IT is still a popular field with many in-demand jobs. Many graduates come out of college each year looking for jobs in this field. Most have the technical skills taught in their courses, but many do not know what else is involved in finding and keeping a job in IT. Below are some of the skills IT grads need to be successful.
Specific IT technical skills 
If you are hired as a programmer, you should definitely know popular programming languages and how to learn new languages. If you are a networking specialist, you should understand all that is involved in that and be able to exercise your expertise. These are the skills that you most likely learned in your courses. Now is the time to put them to use.

General technical skills 
other than skills specific to your field, there are general technical skills you might use. For instance, you might need to use Microsoft Word or Excel. You might also need to do basic research on the Internet.

Problem solving/critical thinking 
Along with technical skills, it is extremely important that you are able to solve problems and think critically. It requires the ability to think logically and apply what you have learned to a real world situation. Critical thinking-the ability to think for yourself and "outside the box"-is also important. If you were good at story problems in mathematics, this is a skill you should be able to master. Many times you will be required to use these skills in connection with your technical knowledge. Depending on the nature of your job, in fact, troubleshooting and creatively solving problems may be the main part of your job.

Creativity 
When it comes to thinking "outside the box," it is a good idea to also have the ability to be creative. This doesn't mean that you should disregard the accepted rigors of your profession. Sometimes there is only one way to do something. However, there are parts of just about every job that can benefit from some creativity. In IT, that usually translates to the "out of the box" thinking referred to earlier.

Plays well with others 
One thing just about every job has in common is people. You have coworkers, supervisors, customers, clients, patients, students, or some combination of them. In jobs where you work predominantly with others (technical trainers, support specialists, etc.), it is pretty obvious that you need to be able to work well with other people. Along with intangibles such as attitude, the ability to work well with others is critically important to just about every job, even in IT!

Sunday, April 1, 2012

Graduates: Polish These Skills to Take Advantage of Job Vacancies


If you are like many recent college graduates, you might still be looking for a job. Once you do find job vacancies that interest you, how can you be sure you have the advantage on all the other recent graduates looking for entry-level opportunities? Below are skills you should have to be successful when trying to fill job vacancies.
Content (know your stuff)
It is important to know the jargon and big ideas of the field in which the vacancy is located. For example, if you want to work in retail, you might need to know terms such as "shrinkage." You might also need to specifics about the products you sell. As another example, vacancies that require a business degree will anticipate tat you understand basic business principles.

Technical skills
Regardless of the field you are in, you will need certain technical skills. For instance, understanding typical software packages, such as Microsoft Word and Excel, is usually a basic job requirement. Job candidates might also need to do basic research on the Internet. Beyond that, you might need to use software applications appropriate to your career field. Web designers, for instance, need to use graphic design and Web development tools. You might also be called on to troubleshoot if you or a coworker can't get something to work.

Problem solving/critical thinking
Speaking of troubleshooting, a very important skill is the ability to solve problems. It requires the ability to think logically and apply what you have learned to a real world situation. Critical thinking-the ability to think for yourself and "outside the box"-is also important. If you were good at story problems in mathematics, this is a skill you should be able to master.

Creativity
When it comes to thinking "outside the box," it is a good idea to also have the ability to be creative. This doesn't mean that you should disregard the accepted rules of your profession. Creativity is not desirable in all situations: accountants should avoid being too creative, for example! However, there are parts of just about every job that benefit from some creativity.

Plays well with others
One thing just about every job has in common is people. You have coworkers, supervisors, customers, clients, patients, students, or some combination of them. In jobs where you work predominantly with others (teachers, sales people, etc.), it is pretty obvious that you need to be able to work well with other people.

In other professions, it's not as obvious, but just as important. Think of a doctor without a good bedside manner and imagine how much more successful she might be with better people skills!