Bad credit cash advance services are the only source of money for people having poor credit rating and facing financial difficulties. This is no reason, however, for you to let some unscrupulous companies exploit you in the name of cash advance services.Bad credit cash advance services is simply an expression used to better define payday loan services. Cash advance loans or payday loans are the only ray of hope for thousands of people who suffer from poor credit scores for one reason or another. That’s because no credit checks are carried out on the people applying to avail these loans or services. Also, it’s a misleading notion that people who have suffered a bankruptcy are ineligible for any kind of loan. Past bankruptcy is no impediment for a person looking to avail bad credit cash advance services. However, you can’t apply for cash advance loans while you are going through a bankruptcy. The idea of conveniently getting a cash loan or payday loan despite bad credit does sound wonderful. However, some unscrupulous companies looking to fleece people use this very lure of easy loans as bait. Or some companies try to talk naive persons into availing cash advance services involving exorbitant interest rates. You must, therefore, be very careful while signing up for cash advance loans. Here are a few tips that will help you safeguard your interests while applying for bad credit cash advance services.Verification Of Performance:When dealing with a company in person, first contact the Better Business Bureau (BBB) to find out whether there are any complaints registered against that company. Obviously, if there are even a couple of complaints, you should move on to another company, for there is no dearth of companies offering cash advance service. If possible, you may cross check the reputation of the company with people who have already obtained loans from them.Identifying The Fraudulent Online Companies:In case you opt for an online cash advance service, which most people do, you need to be extra careful. Online loans are extremely convenient to obtain and repay. But they also require you to disclose your financial information for online verification. So you run the risk of your financial information getting misused. To apply for an online cash advance, you need to fill in an online application form on the company’s website. It’s easy to identify a fraudulent company’s website. First of all you will find a lot of grammatical errors and spelling mistakes on such sites. Secondly, they tend to offer unrealistically low interest rates and amicable terms to lure people in the name of bad credit cash advance services. Also, some of the unscrupulous websites won’t have a payday loan calculator. The payday loan calculator is a simple program that helps you determine the interest rates, repayment period by providing inputs regarding the amount you need to take as loan etc.To sum it up, if you are looking to avail cash advance services with your bad credit, this doesn’t mean that you lose the right to check the company or company’s terms & conditions. Before signing up with any company, thorough verification and reading the fine print is vital. Otherwise, you may damage your financial matters instead of improving them.
Bad Credit Cash Advance Services – Your Backup In Bad Times
Accelerate Your Career By Acquiring An Online Education Degree
Do you long for a new or accelerated career, but don’t want to commit to a four year degree program? Surprise, you don’t need a bachelor’s degree! Today’s associate degree programs take only two years and you can acquire one through an online education college. Amazingly, there are 3.2 million higher education students in the United States who are taking courses online and you could be one. (Sloan Survey of Online Learning, Making the Grade: Online Education in the United States).There are many exciting and well-paid careers that require only an associate degree. Consider graphic design, radiologic technology, licensed practical nursing, paralegal, and dental hygiene. The Bureau of Labor Statistics (BLS) projects these jobs to be among the fastest growing in 2006. Here are some facts about well-paid careers that require only an associate degree.Graphic DesignMany people are unfamiliar with graphic design. The Bureau of Labor Statistics states that graphic designers have the most job opportunities in the field of design. There is a 9 to 17% projected increase in employment opportunities between 2007 and 2014.”Success in this industry is based purely on creativity and skill so if you have natural artistic ability, there’s a lot of potential,” says Jason Rich, career expert and author of 202 High-Paying Jobs You Can Land Without a College Degree (Entrepreneur Press 2006).A two year, associate program will help develop your artistic skills and either start a business or find a position in a corporation. A graphic designer earns $29,400 to $50,800 per year. If you love art, this is a great career for you.Radiologic TechnologyA radiologic technologist (RT) is part of a health care team, able to assist in the diagnosis of internal problems and illnesses. An radiologic technologist involves interactions with patients and, in some ways, is similar to being a nurse. The RT tales x-rays and injects non-radioactive materials into patients’ bloodstreams to help diagnose illnesses. This area of study can also lead to further study in CT scanning, MRI technology, and radiation therapy. The earnings of an RT are $36,200 to $52,400 yearly.Physical Therapist’s AssistantThe need for physical therapists’ assistants is expected to increase by 27% or more over the next eight years. This career can prepare you for moving into massage therapy or sports medicine also. The average yearly pay is $31,000 to $44,000. As the baby boomer population ages, there will be a huge need for physical therapists’ assistants. If fitness and sports are your loves, consider this career as a gateway into those arenas.Medical TranscriptionistA medical transcriptionist listens to and transcribes dictated recordings made by doctors and other health care workers. The information is turned into medical reports, letters, and other documents. The BLS expects this job to grow 18 to 26% in the next eight years. Hourly wages run from $11.50 to $16.30. The greatest fact about this career is that it can be done at home! If you have children to care for, this may be the career for you.Licensed Practical Nurse (LPN)Licensed practical nurses work in hospitals, home health care, nursing homes, doctor’s offices, and outpatient care centers. They do many of the jobs registered nurses do. This job is expected to grow at an average rate for LPNs working in hospitals, but for those working in other venues, the job growth rate will be around 27%. The salary rate is $34,000 to $40,600 per year and is expected to rise.Paralegals and Legal AssistantsJobs for paralegals and legal assistants are also expected to increase by 27% or more in the next eight years. They earn from $39,000 to $50,000 per year, which is extremely well-paid for someone with an associate degree. Top paying jobs will be found in the federal government and large law firms, but are available in most cities.When considering an online education, consider the opportunities the online associate degree can provide. Your career possibilities can include business, education, information technology, health, law, and many more. According to the National Science Foundation, more than a fifth of individuals employed in science and engineering fields hold less than a bachelor’s degree, with 17% holding an associate degree. If you’re not sure how much education you want to commit to, an online associate degree is a good, first step. Students often choose an online, associate degree in order to specialize in a field, or to acquire a well-paid career while considering further online education college degrees.(Statistics Source: The Occupational Outlook Handbook 2006-2007, United States Bureau of Labor Statistics)
Basics on Online Business
It time for the search of real online business! Many people claim that its easy to make money online if you follow the so called proven system. There are actually no statistics of any proven system that we could decide on. It is almost a chain of reactions that takes place and it circulates within the Internet world from people to people.But, believe that making money online is though not easy, but a possible one. When we plan to start a business on online with or without investment, we definitely start from somewhere. There are no automated systems that could generate $$$$ with out having to spend time or energy.We don’t have to spend for any marketing in the Internet, but spending money sometimes may increase our income.If we feel that we are not going to spend for this, then we are planning for a long term target and we will have to rely only on our hard work and unlimited time.There will be several failures and disappointment doing business online. We may feel that nothing is reliable, the process is too complicated, each one is linked with another so it goes on and on, never ending!! But remember that if a person tells that he is making profit means that he is making profit. We read his column somewhere in the web that itself is a profit of success to him. Hence always remember that success is following us when we fail.Marketing is the ultimate aim of Internet business. What ever business we do, we should have customers, clients, readers, commentators etc, We need people to visit our business, express their opinion, add suggestions on further improvement etc. So, attracting people is the main task of marketing.We may have to adapt several methods and techniques by trial and error method as all standard marketing practise may not yield the same positive results each time.There are some advantages as well as disadvantages of starting online business. First let us see the advantages.Opportunities are everywhere in the Internet world. Since the reach of the Internet is far beyond our imagination, this can bring audience from anywhere in the world. The Internet network and the viewers are ever growing so there are no bound for the business limitations. We can work on our own time, flexible working hours and at leisure. We can spend more time on other activities as the Internet business once established would give you lot of free time. Any online training, research or studies is much cheaper compared to the conventional ones, most of the references are available free of cost. It is indeed thrilling to surf and work online as we will be stunned to see the scope for so many businesses on line. We can start business with very low capital and also chances of multiple stream of income at the same time.The disadvantages are initially we will have to spend too much time to know, understand and establish what we really want to do. There are lots of research work needed. Internet philosophy is far beyond our understanding the reason that what is hot topic today may not even be talked tomorrow. So we should always be ready to accept and adapt to regular changes. Too many HYPE in the Internet marketing may mislead us in selecting our business and going right way. Selecting Internet business would not yield overnight profit as we dream of. Be practical and accept the fact that our web page one in billion and chances of people visiting and business is also in the same probability. There are more chances of jumping from one opportunity to another and that will definitely not help us to grow in the Internet business.Well, there is a question how much we can earn a day in Internet business? It all depends on our adaptability, skills, ability to learn, hard work and intelligence. It may take a lot of time initially to start earning through Internet business, there will be a quite lot of testing times before we enter into the right one. All depends on how we sell ourselves in the world of Internet business. Marketing, as i mentioned earlier, is a vital aspect of the business, We should select the right ways of marketing. There are some faster ways of marketing also, but that may not always suit our business.More importantly we as the online business owner need to be aware of spam, the practise of sending unsolicited, untargeted mass commercial messages. There are some serious consequences of spamming, including suspension or termination by our web host, affiliate programs etc. as spamming is a very poor business practise.There are plenty of legitimate ways available to market our business instead of spammingShould we spend invest money for starting online business? We may or may not spend and that depends totally on how we want to go about marketing our business. There are quite a lot of ways to start and continue online business free of cost. The main part of expenditure is for marketing. If we start the online business as a writer, then, the cost of marketing is less compared to other online business. As a writer we only need to search the right publishing sites that pays for our articles. These are available in the free web directories, we can find through search engines etc.There are some paid membership sites also that saves lot of our time rather than going to the web directories to search for. What we can earn by writing articles again depends on the selection of topic, method of writing, how quick we are and how relevant the subject is.There are several other online businesses that need to bring in the traffic to our website in order to generate revenue. Many sites claim that they can get us loads of traffic, but always prefer to get the targeted traffic that would benefit out site and our business.
Love Your Money – Love Your Bank Account – Love Your Finances
Sounds crazy to you doesn’t it? Do you find yourself wondering if the guy that wrote that title is a little off in the head? Love your money, love your bank account, love your finances? Who ever heard anything so crazy?Check this out. Are most of the people in the world loving their money these days? Of course, they are not. They are anything but loving their money, right? Is it possible that’s why they don’t have money?Somebody along the line told you to get down when things don’t go right. You know who that somebody is? It’s your friend your mind, that’s who. Your mind tells you get down when things don’t go just exactly as you want them to. And, as things get worse, get more down.Think it through. How do you get up by getting down? How do you get more money? How do you improve your finances? How do you improve your bank account?Here’s your answer. You do it by getting up. To get up, go up.Check this out for yourself. Love is the same energy as positive, success, and abundance. Check it out. How does it feel? Feels right doesn’t it? It feels up, doesn’t it? Of course, it does.Love is goodness. Love is happiness. Love is abundance.The law of the universe is, positive attracts positive.Therefore love your money. Love your bank account. Love your finances.Love them whether you have a little or a lot. Love them in spite of your mind telling you it’s crazy. Love is positive energy. Positive is in the direction of up, right? Love and go up.Love your money, love your finances, love your bank account and they will go up. They will go up because you are up. When you go up, everything goes up. When you’re up, things are looking up.Your mind will try to talk you out of it. Your mind will tell you it’s all just a play on words. You have to decide. Are you going to listen to that mind of yours? How has it worked so far?I’ll tell you how it’s worked. It’s gotten you down. As you have gotten down your money, your bank account, your finances have gotten down, haven’t they?Give love a chance. Give love a chance and see what happens. It’s worth a try isn’t it? It really does make sense, doesn’t it?Whatever your bank balance, whatever your pocketbook, whatever your cash flow, love them and love them some more.The way up is up. Love your money and watch what happens.
The Importance of Business Analyst Tools and Benefits of Hiring an IT Business Analyst
Do you want to know the importance of Business Analyst Tools? When it comes to workflow management, you need to use all the tools and processes that streamline and optimize the operations of your business. For instance, you need to utilize software systems that enable you to get improved productivity. These systems include content management systems, document management systems and business process management (BPM) tools.Remember the best workflow management systems can be costly and challenging to implement. However, by seeking the services of an IT Business Analyst, your company will benefit from them, which means you will get the best returns on your investments. In this informative article, we’ll look at five benefits of these tools.1. Improved AccountabilityThe best Business Analyst Tools enable your company to experience improved productivity. Keep in mind many employees don’t respond well to micromanagement, which means you need to use the latest tools to check their productivity. By using the best tools and software, you can know which tasks need to be done, the best team member to carry them out and the specific period the work should be completed.When you know which tasks and goals need to be met, you won’t need to intervene now and then, that’s unless it’s necessary. That improves the relations between the staff and management by removing personal opinions and considerations from any issue. Databases can store records of what occurred in the system, which gives the administration the ability to audit behavior if necessary.2. Reduces the Need for Manual LaborThe best business analyst tools provide your team members with the chance to work on non-repetitive tasks. It means they can expand their skills, for example, by working on aspects that require more human input such as in the production process. The best work management tools ensure that work is done faster and without common human errors. Instead of using these tools to replace employees, you should use them to make the workplace more productive and exciting, which improves the firm’s overall morale.3. Better CommunicationThe best business analyst tools eliminate the need for paper chasing and use of telephones. That makes the office more efficient and greener, which in turn reduces the firm’s turnover rates. Among the reasons for quitting jobs is poor or inadequate communication in offices. By using tracking software, you can provide employees with a better way of finding out what needs to be done right now and in the future. For you to ensure smooth day to day running of the business, you need to make sure your communication is honest and clear to employees.4. Streamlines the Business Operation ProcessesWorkflow or business analyst tools enable you to have valuable insight in the day to day running of your business. For example, by using automation software, you can determine which tasks can be done simultaneously instead of being completed sequentially. You can know which steps are unnecessary; which means you will make informed choices and decisions. For example, you will know which employees perform specific tasks at their best, rather than who happens to be free at that particular time.5. Faster Completion of ProjectsThe best business analyst tools enable you to shorten the duration of projects. For example, you can use them to reduce the period between starting a project and having it approved. As the management, you can set these tools to notify team members when the deadline is approaching or if they have missed it. The team leaders can let employees know of any new projects, changes in scheduling and guideline updates. Remember that in the long run, the time taken to determine these issues can prove to be a lot, meaning you need to use the latest tools to move on to new profitable projects.What to DoWhen switching over to using the best Business Analyst Tools, you may encounter several challenges. That means you should evaluate your office or business needs before deciding to make the switch. If you regularly meet your goals or surpass them, you may choose to leave it as it is. However, if you think you need a general overhaul of your operating systems and routines, you should consider moving your company to the next level.Before implementing drastic changes, you should open up and consult with your team members about the impending changes. You should then consider hiring an expert IT Business Analyst to help in the process. Below we look at benefits of hiring them.Benefits of Hiring an IT Business AnalystOne common question on online business forums is; what are the benefits of hiring an Information Technology (IT) Business Analyst? For some businesses, business analysts provide them with many benefits. However, others may not know these benefits, which mean they fail to get the many positive results that analysts bring to companies. In today’s business environment, business analysis can be the glue that holds a company or business together.What’s The Role of a Business Analyst?Breaks Down Work into Manageable and Small BitsThe primary function of an IT Business Analyst is to help make work more manageable by breaking it into smaller pieces. Developing and testing are also made simpler by business analysts. These professionals ensure all projects are on track by documenting their progress. That means the best returns on your investments.Enhances CommunicationIT Business Analysts ensures the communication lines are kept open, that’s by filling any gaps in the case of breakdowns. They eliminate any confusion in the case of requirements, scope and testing by explaining the processes in a way that team members can understand. It means that the workplace efficiency is improved and tasks completed faster.Provides SupportIn the course of carrying out challenging tasks, the project managers may be overwhelmed by budgets, reports, schedules and other issues. Business analysts can step in and help by providing them with professional support to the team members, project managers and sponsors. The result will be improved returns and faster completion of projects.Increases the Business ReturnsProfessional IT Business Analysts know how to increase the company’s potential benefits and returns. For example, they know how to uncover or discover new business needs and ensure that your business priorities are focused on bringing the best value. Remember that they use the best Business Analyst Tools to arrive at their decisions.What 2018 Holds For IT Business AnalystsAs far as the role of Business Analysts is concerned, the year 2018 offers them new predictions. That’s because new Business Analysts Tools provide them with more chances to improve the operating systems of companies.These professionals will be tasked with many projects that include project and testing management. Many will offer their services on a specialist basis, for example, cost-benefit analysis, scoping and other project requirements.For those with business analysis backgrounds, they will continue their migration towards critical and influential positions in different areas of the organization. The result may be a change in their titles, which may result in disagreement or confusion over their exact job description and responsibilities.How to Hire the Best IT Business Analyst• If you’re asking yourself whether you need to hire a Business Analyst or a project manager, you need to consider the value that each of them brings to your organization or project. In some instances, the project manager may have vast expertise.• On the other hand, the business analyst may have experience and knowledge in examining information and other facts, which means they can provide your company with the right questions and carry out thorough research.• The primary factors for hiring an IT Business Analyst is that he or she can be able to break down information into several parts, document and workflows.• You need to ensure the business analyst you’re hiring has the best experience in the IT field which you need. It may seem like an obvious consideration, but you should remember that IT fields are different.• Other qualities you should consider are their industry knowledge, problem-solving skills and effective documenting. They will ensure you get the best results. Remember that any professional should be self-directed and motivated.• The business analyst should also have the best working skills and communication abilities. They will ensure that he or she works with your team to solve problems. Remember that it’s only through effective communication with your team members that the professional will able to bring you the best results.• When hiring them, make sure you have written agreements on how fast you should expect results, the processes involved and how much they will charge you. That will enable you to plan your budget estimates to ensure that no payment disputes occur during the work or after completion of the project. Compare quotes from different professionals before settling on the best one, who should have experience and provide you with competitive rates.ConclusionThe best IT Business Analyst should be able to use the latest Business Analyst Tools to ensure that your business improves its efficiency and profits. Consider hiring those who use the most recent software and have experience in your particular field.
How to Successfully Meet the Three Biggest Marketing Challenges
I like to think I’m a pretty good marketer of my professional services.After all, I’ve been at it for 34 years, read hundreds of marketing books, thousands of articles and studied with the very best marketing gurus.But marketing is still challenging for me and the majority of independent professionals. If it weren’t, we’d all have more clients than we could serve, they’d be paying us high fees, and we’d never having to worry where our next clients would come from.And we wouldn’t need the thousands of marketing coaches and consultants like me offering services of all kinds to help you attract more clients.So, why is marketing so challenging?There are many marketing challenges, however, if you look at marketing closely, there are actually only three big challenges that give us the most trouble.Learn how to meet those challenges and your marketing will become more successful, easier, and fun.Here are those three marketing challenges:Challenge #1. Clearly communicating the value of what you are offering. Someone will not buy your services if they don’t see the real value to them. Your message can’t be vague or confusing; it must be clear and beneficial.One way to zero in on the value of your service is to define the top three attributes your service possesses. One or two is not enough; five or six tends to dilute your message.So, for instance, a sales training company might want to emphasize that their training is guaranteed to increase sales, improve sales confidence quickly, and can be delivered virtually in 45-minute online modules.That’s easy to understand and obviously beneficial. That kind of clear and valuable message is likely to generate attention, interest, and response.Seems simple, but not so easy to do. In my experience with thousands of independent professionals, their messages tend to be vague, not specific, and weak in terms of value.And if that value is not clear, prospects won’t respond.Taking the time to work on your message, fine-tune it, and test it until it gets a favorable response is one of the most important things you can possibly do in your business.To succeed at this task you must get inside the heads of your ideal clients and ask what they want the most, what problems they struggle with frequently, what isn’t working for them, and what could make their jobs easier and more productive.Jaynie L. Smith of Smart Advantage consulting says that 90% of companies don’t really know what their clients value the most. No wonder marketing messages are so bad.You can improve your marketing messages by reading and research (ask Google), sending questionnaires to your clients (Survey Monkey), or conducting a virtual focus group (via Zoom Video). Ultimately, you want to find out their biggest challenges and what they value the most.When you have that marketing intelligence, it will be a lot easier to come up with powerful marketing messages.This is challenging because it takes time and deep thinking. But if you realize its importance, you’ll invest your energies to come up with a powerful message that makes your service attractive, interesting, and compelling to your ideal clients.Challenge # 2. Making your business visible with repeated impressions of your message over time. It can take several impressions before someone responds to your marketing message.Just today, I noticed a message that one of my first level connections had sent to me on LinkedIn. When I checked the message, I noticed that he had sent me a total of 13 messages over a one-year period.The messages were actually very good. They had the right tone and great calls-to-action. It’s just that I don’t pay a lot of attention to my LinkedIn messages and had completely missed the first 12!He understood the value of repeat impressions over time and had developed a system within LinkedIn that had enabled him to send a unique, personalized message every month for a year. Pretty impressive.If he had only sent one or two messages, the chances are good that I wouldn’t have seen them.Again, my experience with the majority of self-employed professionals is that their marketing visibility is, at best, random and inconsistent, and at worst, non-existent.As you may know, I’ve sent out an email newsletter to my list pretty much every week for 21 years. That’s visibility. It’s really quite simple, but not so easy.If you want to be effective at your marketing, you must identify marketing strategies that enable you to get your message in front of your prospective clients consistently.And again, this is challenging. What is the best marketing activity for you, your personality and talents? How can you fit something into your schedule and do it consistently, not for a few weeks but for years?The question is not just what marketing strategies to use. Networking, speaking, blogging, email newsletters, webinars, social media, and direct outreach can all work.The more important question is what strategies will work the best for you and how exactly you can implement those strategies without spinning your wheels.You’re looking for proven, step-by-step instructions so you can evaluate if a strategy is right for you and something you can fit into your schedule on a regular basis. Remember, sporadic implementation is a waste of time.Implementing visibility strategies takes commitment and persistence. Is growing and succeeding in your business important enough for you to make that kind of effort? If it is, you’ll succeed at finding the best strategy for you.The final challenge may be the most important of all to overcome.Challenge #3. Maintaining the right marketing attitude and mindset over time, despite setbacks. If you can’t maintain The 3 R’s of success – responsibility, resourcefulness, and resilience, your marketing will never achieve the results you want.These 3Rs are absolutely essential. Responsibility is the stance that the buck stops with you. You are the only one who will find a way to attract clients and you won’t give up until you find that way. You won’t make excuses or blame circumstances, but instead will be accountable for making results happen.Resourcefulness is the skill to utilize your talents, and abilities to quickly find smart ways to overcome difficulties and find solutions. And to be resourceful, you can’t be full of doubts and fears of failure or rejection. A responsible person commits to finding a way; a resourceful person tries every way possible until they discover the best way.Resilience may be the most powerful trait of all. It’s what enables you to bounce back from adversity, setbacks, and even failures. And if you’re working to attract great clients, you’ll inevitably experience all of those many times. People who are not resilient don’t even try, let alone succeed.All of these essential qualities are in short supply. But if you work to grow those qualities persistently, over time, they will help you succeed with the first two challenging things in marketing – messaging and visibility.Despite these three marketing challenges – messaging, visibility, and mindset – there is good news.Improving your skills or abilities – even a little – in any of these three challenge areas will increase your marketing effectiveness.There is no perfect way of tackling all three challenges and you can’t do it in big leaps that get you there overnight. But you can work on all three slowly, with persistence, making small gains every week.When you improve your messages, you’ll start to see a better response in communicating to your prospects. Marketing then becomes like a game that starts with the question, “How can I communicate my value more clearly and powerfully?”When you increase your visibility, you’ll also notice a better response because to some degree, marketing is a numbers game. Your question might be, “How can I get my message in front of more of the right people this month?”And when you enhance your responsibility, resourcefulness, and resilience, you’ll find that playing the game becomes easier and more fun. The 3Rs are the fuel that enables you to persist with the first two challenges.Where do you start?You start by admitting where you are now and then committing to a purpose (your WHY for being in business in the first place), a goal (a specific thing you want to achieve), and to taking action (the actual steps you’ll implement to get there).Yes, marketing is challenging. But meeting those challenges is absolutely worth it.Cheers, Robert
The Good and the Bad About Online Education
The availability of online education has grown significantly over the past decade and to the point where it is now an option that almost all college and university students think about when comparing their education options. You can not only do online courses and online degrees, but you can fully go attend an online school and graduate with a degree without ever setting foot in a classroom.Even though it is now a viable option there are sound arguments about the pros and cons of online courses, online degrees, and online schools. The following will take a look at the pros and the cons of online education.The Pros of Online Education SchoolsWhen it comes to online schools, most of the pros revolve around the flexibility and convenience that online courses offer to students. Those who advocate for online education often cite these pros:• There is no commute• You can continue to work and pursue your career while going to school• Online school options continue to grow and there is no shortage of online education degrees to consider• Many of the major colleges and universities now offer programs online• Location is no longer a big of a factor when deciding which school to attend• More and more careers are internet based, so doing your degree online makes sense• Online education is ideal for many people that are more introverted and prefer an online learning environment• It is an ideal option for people with physical disabilities• People often are more comfortable engaging with others in an online environmentThe Cons of Online SchoolsWhen it comes to the cons associated with online schools, most of the cons are related to isolation and lack of interaction in the classroom. Those who argue against online education often cite these cons:• There is a lack of human interaction• You miss out on the college experience• There is something to be said about the debates and discussions that occur in a traditional classroom setting• Quality of education is often questioned• Some employers still see online degrees as less credible than traditional degrees• The onus to complete course work is solely on you – some people will have difficulty with this• Online courses open the door for procrastinationThere are good and there are bad things about online education. While it is convenient and the world is now more digital and online-based than ever, there is something to be said about the lack of interaction and quality of education that you can receive online.Overall, when considering your education options, you need to think about the academic situation that makes most sense for you and your current situation. An online school may make sense for you, or it may not. The choice is yours! Just make sure you fairly consider all of your options before making a final decision.
Carhartt Flame-Resistant Clothing – Designed to Protect, Built to Last
Carhartt has always designed their product to protect you from cold temperatures and harsh weather conditions. They have also always constructed it to last whether you work in the farm fields, oil refineries, or are doing jobs around the house. In the last few years, Carhartt has designed their Flame-Resistant clothing line and continues to advance their products. These products may not look much different from their other products, such as their pants, shirts, and jackets, but have a purpose to protect the worker.Electric lineman, pipeline and refinery workers, as well as industrial electricians can be at risk of electric arcs and flash fires in their work places. These arc flashes can result in exposure to temperatures as high as 35,000 degrees Fahrenheit, four times the surface temperature of the sun. These flashes are short-lived blasts but with their severity combined with improper clothing, your body is exposed to temperatures that can be very harmful or even deadly.Carhartt has designed their flame-resistant clothing to protect your body from these extreme temperatures and will self-distinguish once the heat source has been removed. With cotton clothing, after the heat source is removed, the material will continue to burn which causes additional injuries to the worker. Carhartt currently makes thirty one different flame-resistant products for both the male and female workers. With each flame-resistant product that they make, it is given a HRC rating which tells the worker the level of protection that the piece of clothing provides. Different industries and jobs require different levels of protection while layering of flame-resistant clothing also adds increased protection to meet these required levels. OSHA regulations have added more strict rules to job sites as to who must wear flame-resistant clothing and what level of protection they must have.Carhartt’s flame-resistant clothing has been built with the long-lasting and durable thinking that most of their customer’s have been used to for many years. Their flame-resistant clothing will continue to be flame-resistant for the life of the garment if the garment-care instructions are followed, unlike some competitors who treat the fabric to be flame-resistant, but is then washed out of the fabric over time.Carhartt has expanded its flame-resistant clothing line just like it did with its traditional work clothing to serve the women in these industries. With different styles of shirts, pants, and jackets for the workers, workers who require this clothing are sure to be not only safe but comfortable in the clothing as well.
Exposing the Dirty Truth Behind “Sensitive Skin Care Products”
Do you have sensitive skin and spend your time searching for solutions? Are you always looking for great sensitive skin care products? Lets see exactly what sensitive skin is and what you can do when faced with selecting anti aging products for your skin.Of course there are always people with specific skin conditions. There are clear skin conditions that require the care of a dermatologist and people who may consider that their skin condition requires professional care ought always consult a doctor first. However it’s fair to say that the vast bulk of people with sensitive skin problems do not have skin conditions requiring the care of a dermatologist.If you have delicate skin you know what it’s like. You get the skin redness, dryness, flaking and itching and your skin looks blotchy. However the sad truth is that in almost all cases where this is the case it is not the skin that is the problem but the products that are used on it.The reality is that delicate skin problems are commonly the result of the use of big brand mainstream products such as cosmetics, anti aging products, personal and beauty products such as soaps, shampoos and deodorants that contain ingredients that produce an irritant or allergic skin reaction.This is not because it is impossible to manufacture these products without using these ingredients. It is perfectly possible to manufacture high quality cost competitive personal and beauty care products that work extremely well and which use natural safe and effective ingredients. The problem is that most of the chemical ingredients that produce the skin reactions known as “sensitive skin” are extremely cheap. Many are chemical ingredients produced in a lab and used in many of the big name products that you might be using right now.In fact the problem of dangerous and irritating ingredients in personal products is now so serious that there are entire organizations set up to combat this. Perhaps the best known of these is the Campaign for Safe Cosmetics. They battle against the proliferation of chemical ingredients in personal products that are essentially dangerous to your health, that are irritants your skin and which are in some cases “known to cause cancer”.In fact it is unnecessary for there to be any sensitive skin products such as sensitive skin creams and sensitive skin moisturizers at all. There are many outstanding skin care products, for example, which are highly effective and which use only natural, known safe, and effective ingredients which can be used on all skin types and which do not produce any allergic or irritant skin reaction.In fact the company that makes the worlds best skin care products does not make any delicate skin products. This is because all of it’s products are safe to use on all skin types, work for all skin types, and do not produce any allergic skin reactions. If you use products such as these there is no need to buy any sensitive skin products.Sensitive skin care is not about selecting the best product for your skin type. It is about making a conscious decision to avoid the use of mainstream big brand personal, beauty and body care products such as cosmetics and skin care products, soaps shampoos and deodorants, and substituting natural skin care products and natural cosmetics in their place.If you’d like to find out where to source the worlds best natural skin care products and natural cosmetics visit my website where you can also see a discussion of many of the chemical ingredients used in modern products that cause so many of the sensitive skin care problems that we see in so many people today, and find what I consider to be the worlds best Sensitive Skin Care Products.
Succession Development and the Independent Business Owner
As a third generation independent business owner, I have lived through, and seen how sad it is when business owners retire with little to show for their lifetime of efforts. The statistics are not great either, approximately ****94% of Australians retire with little or no self-derived income and require Government assistance to survive.In my opinion we have been sold a bit of a lemon with regards to superannuation with most Australians thinking that simply paying into a super fund will guarantee a great retirement income and lifestyle. The facts are that for Australian women our superannuation falls grossly short of what is needed and whilst the average Australian male has approximately double that of the women in Super, it is nowhere near enough to survive on. As we are living longer, we can spend almost a third of our lives in retirement. Just doing some simple maths will show if you have enough. But Australia we have been sold that by putting money into Superannuation that we will be all right in the end. Here is the wakeup call; Superannuation alone is nowhere near enough for most of us to survive on without Government assistance.For the independent business owner, unfortunately, they pay themselves last and many don’t even have superannuation or if they do, they have not contributed for years. The Government regulations on business owners is so arduous that it is becoming harder and harder to put away anything for themselves.Many independent business owners spend their days completely occupied with gaining market share, hiring and keeping employees, motivating staff, beating the competition, to give succession development any thought. Strange how such highly motivated, intelligent and energetic people can avoid such an important planning issue to their business.For the independent business owner it is a somewhat daunting and complex process to address their working life coming to an end, and most dread tackling it, they would rather work well beyond their years than face succession development or retiring. Many business owners have not accumulated much super instead they have put it back in their business. However on retirement they often do not sell the business for enough to live on in the retirement years. I’ve worked with many independent business owners who become frustrated and bitter with their environment towards the end of their career, making their business an even less viable option for someone to take over. For the majority of these hard working, self-sacrificing Aussies, there is no gold watch, goodbye party or big deposit into their bank account to say well done for your years of toil.However, most successful succession development has only three simple steps.
Keep the succession plan simple
Stay realistic about goals
Measure the steps of the plan for succession outcomes
Whilst most information on succession development has to do with the handing over of the business or the duties to someone else, an exceptional Financial Advisor will look at succession development with a slightly different focus, one that addresses your end income revenue stream and lessening your financial burden, thus reducing the stress on the independent business owner when it comes to the best financial opportunities to selling or handing over the business.Here is an example of the difference between doing nothing and engaging a professional financial advisor. Lucy W is single, an independent business owner, and 54 years old. Lucy has estimated that she needs approximately $50,000 per annum to live on. Lucy has around $60,000 in her superannuation fund.( *The average superannuation for women is $41,000) Upon retirement at age 67, Lucy will have not even two years of income from her superannuation, and then have to rely on the Government for a pension of approximately $20,000 P/A. (**More than half Australian women have incomes of less than $30,000P/A) After meeting with a financial advisor and working out a blueprint, Lucy could attain a retirement income of $60,000 per annum by investing in premium properties, strategically selected for optimum returns.Lucy’s plan involved purchasing four properties within two years and waiting for the compounding capital growth and rental return to occur which will reach above her estimated income goal in year six, when she can retire at age 60 independent of age pensions. *** (77% of Australian women rely on age pension in retirement)Most self-structured property portfolios have no plans other than obtaining rental properties, with no strategic process, thinking that the accumulation of properties would create sufficient wealth or income alone. A good financial advisor will incorporate acquisition, management and exit strategies to achieve specific wealth or income goals.Lucy had also recently paid to attend a get rich quick seminar that suggested it was easy to buy real estate, subdivide, build, and you would get rich fast. Lucy had not costed the entire project, did not know about the difficulties of building and different types of building contracts, and what happens when costs blow out and did not know how to take all the risk out of the transaction. The reality is far different, and to be successful requires a great deal of expertise and knowledge to achieve positive and predictable results.After posing a few strategic questions to Lucy she became aware that she did not have anywhere near the required knowledge, time or skill to perform such high risk real estate developments. Instead she chose to engage a professionals future certain plan, which has underwritten advice, and strategies that simply work.Do nothing Professional Strategy Succession StrategyAge 54 54Home value $500,000 $500,000Superannuation $60,000 $60,000Retirement Age 60 $20,000 p/a $60,000 p/aRetirement Age 67 $20,000 p/a $120,000 p/aWith an approach that allows the independent business owner to be free of the concerns about future income, I’ve seen from experience how their performance and enthusiasm improves and they end up having a much better result with their succession development, and actually look forward to it. So a professional financial advisor will do the following for you;
Keep your plan simple;
Stay very realistic about goals;
Measure the steps of the plan for succession outcomes
The example used for this article was a client of FLAG Property Investment Services.