Long Distance Learning

The Advantages of Distance Learning According to the U.S. Department of Education’s National Forum on Education Statistics, virtual education is now part of the planning agenda of most organizations concerned with education and training. The quality of distance learning has greatly improved in the past few years, as both students and educators have become more comfortable with the technology, and as stories of best practices have been shared and duplicated. While quality has increased substantially (and while many inferior programs have failed), it is still prudent to verify that the distance learning organization is fully accredited by the appropriate agencies. One valuable resource is AccreditedOnlineColleges.org. The goal of accreditation is to ensure that education provided by institutions of higher education meets acceptable levels of quality. Accreditation in the United States involves non-governmental entities as well as governmental agencies. Distance learning features a number of advantages, particularly for non-U.S. students seeking an accredited U.S. degree. Perhaps the most relevant benefit involves the luxury of remaining in your home country while studying — and consequently avoiding the inconvenience of applying for a student visa to study in the United States. Other advantages include: Accessibility for those living away from the training center No waste of time or other resources in transport, commuting to a central location for each class Flexibility to study in any convenient location with an Internet connection Self-paced learning: Quickly browse materials you have already mastered, and concentrate time and effort in areas containing new information and / or skills Study materials at a personal speed and intensity, without having to wait for slower pace of the average classroom Flexibility to join conversations in...

Protect Your Identity

How to protect yourself from Identity Theft ID theft is real but overhyped by companies selling pricey services. These eight steps can secure your identity for less. 1. Get serious, not scared   |  2. Place security freezes and fraud alerts   |  3. Secure your devices   |  4. Keep an ID-theft file   |  5. Review all your personal data files   |  6. Stop unsolicited credit-card offers   |  7. Monitor accounts often   |  8. Respond rapidly   |  Getting your files   After trending downward for four years, identity theft is on the rise again. Last year more than 11 million consumers were hit by the crime. That’s a record, according to Javelin Strategy and Research, a California company that has surveyed 5,000 adults on the subject every year since 2003. The jump is partly a result of the recession, Javelin says, when fraud tends to spike. But you don’t need to sign up for expensive services offered by credit-reporting bureaus and other companies to keep your identity safe. Most of their products are unnecessary or ineffective, or they duplicate things you can do yourself—free. Our own assessment of some two dozen identity-theft protection products crowding the market found dubious value. Here’s how to protect yourself. 1. Get serious, not scared Don’t let the horror stories freak you out. The worst-case scenario—where someone opens new credit-card accounts or commits other crimes using your name, Social Security number, or other information—is relatively uncommon. That nightmare happened to less than 1 percent of all U.S. households in 2005, according to the latest data from the U.S. Department of Justice. Half of that group resolved the problem, usually in less than a day to two weeks. The most common form of ID...

Need Internet Television Services?

Do You Need Internet Television Services? Recently Moved? Don’t know which is the best Internet/Television Provider in your area? Call Now for a Quote: 888-524-1264   Despite the worldwide chatter about cord-cutting and streaming services, traditional paid TV service is still the dominant entertainment avenue. The New York Times writes that, “On average, American adults are watching five hours and four minutes of television per day. The bulk of that — about four and a half hours of it — is live television, which is television watched when originally broadcast. Thirty minutes more comes via DVR.” TV providers are still essential to viewing habits, but navigating these options can be a challenge. They all have similar channel packages and prices range by location even within one provider. Making comparisons can be overwhelming, but it’s likely your area will only have a handful available. There are a few reasons for this variation — providers have to invest up front when they wire a city with cable, and when one or two providers already dominate a market, newcomers just can’t compete. We’ve laid out the best and worst features of the top providers so you can compare the ones that service your address based on what you want from your entertainment experience. Call Now for a Quote:...

Need Your Student Loan Forgiven?

What is Obama Student Loan Forgiveness? Student loan debt is often cited as being one of the biggest modern financial crises. Many former students face an impossible amount of debt and in turn, political leaders have been looking for a way to solve these issues. “Obama Student Loan Forgiveness” is a nickname for the William D. Ford Direct Loan program. The name came about when President Obama reformed part of the Direct Loan program in 2010 by signing the Health Care and Education Reconciliation Act of 2010. Student Loan Forgiveness programs have been set into place in order to help aid former students in paying for their education following graduation (sadly, these programs are only applicable to students with federal student loans, not private). Call NOW for Student Loan Debt Relief: (888) 546-5662 How Obama Student Loan Forgiveness is Different The Direct Loan Program (FDLP) is the only government-backed loan program in the United States. It is commonly referred to as Obama Student Loan Forgiveness because, in July of 2010, President Barack Obama introduced new loan programs enacted under the Health Care and Education Reconciliation Act of 2010. As a result of expanded funding for federal student loans, more borrowers gained access to more options with loan repayment. President Obama made the following changes to federal student loan forgiveness: The federal government will no longer give subsidies to private lending institutions for federally backed loans. Borrowers of new loans starting in 2014 will qualify to make payments based on 10% of their discretionary income. New borrowers would also be eligible for student loan forgiveness after 20 years instead of 25 on...

Need Life Insurance?

For many people, their first experience with life insurance is when a friend or acquaintance gets an insurance license. In my case, a college friend, recently hired by a major insurance company, contacted me (along with all of his other friends) to buy a $10,000 policy underwritten by his company. Unfortunately, however, this is how most people acquire life insurance – they don’t buy it, it is sold to them. But is life insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson? While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance. Reasons to Buy Life Insurance As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways, including: 1. To Pay Final Expenses The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I don’t want my wife, parents, or children to suffer financially in addition to emotionally at my death. 2. To Cover Children’s Expenses Like most fathers, I want to be sure my kids are well taken care of and can afford a quality college education. For this reason, additional coverage is absolutely essential while my kids are still at home. 3. To Replace the Spouse’s Income If my wife had passed away while the kids...

Need Insurance?

Need Insurance for Your New or Used Vehicle? Other Insurance We Provide: Auto & Vehicle – Auto – Motorcycle – RV – Boat   Homeowners & Renters – Homeowners – Renters – Flood – Fire   Life, Health & Travel – Life – Health – Medicare Supplement – Travel Insurance is tricky. It’s not like buying a chair or a shirt or groceries. When you buy insurance, you’re buying a promise. It’s a promise that if something catastrophic happens to your business, your carrier is going to assist you to make your business whole again. Sometimes, though, it’s tempting to question the value of insurance because it is an intangible product. Let’s back up and take a big-picture view of why insurance matters. Here are seven reasons why insurance is important. What more would you add? 1.) Insurance Keeps Commerce Moving In the days after the 9/11 attacks, there were many worries about insurance coverage. Acts of war are not covered by insurance. Was terrorism an act of war? The big question was, How would the 9/11 attacks be classified? Fortunately, the insurance industry decided the attacks were not an act of war. However, after 9/11, some insurers began excluding terrorism. But the federal government stepped in and required coverage in the name of keeping commerce moving. In this case, insurance likely prevented many businesses from avoiding terrorist-targeted operations, such as refineries and chemical haulers. 2.) Lenders Require Insurance This reason is tied to No. 1. Lenders require that you have insurance. Think about it: Mortgage lenders want proof of insurance before you buy or build a new building. In short, to get the money your business needs to keep...