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Preparation and Planning: Avoid the Six-Year Degree

Posted on Sep 29, 2013 with No comments

Sep 29, 2013

Students enter their undergraduate programs expecting to gain a degree within four years. An undergraduate degree may be billed as a 4-year experience, but many students find themselves taking five to seven years to meet degree requirements.

Taking three extra years to attain an undergraduate degree proves costly. For every year of study the student pays annual fees as well as course credits. Additional student loans are needed to complete the degree, and the student also pays more for college living expenses while on a limited income. Additionally, every extra year students take to complete a degree robs them of a year of work at degree-appropriate income levels.

Reasons for Extending Degree Times

A number of circumstances lengthen the time required to complete a degree, some more avoidable than others. Students may need to take time off for financial reasons, for family emergencies, to deal with health issues or even to enter addiction rehab centers.

Such reasons, however, still don’t explain why the Department of Education reports almost 60 percent of college students take an average of six years to complete a four-year degree. 

Limited Class Space

Overcrowded classrooms extend study time — it can sometimes be extremely difficult fitting the classes needed for degree completion into a student’s schedule, especially of the required class fills up quickly. Students whose education requires internships and practicums face even greater scheduling challenges. 

The Mid-Degree Major Switch

Students themselves often increase their study time. Switching majors in the middle of a degree is a common practice. The student, having had time to experience a number of course topics, suddenly realizes he or she wants to pursue a different field of study.

Switching majors is often necessary to secure an education and career in a desired area, but a mid-degree switch usually extends a four-year degree by at least a year, as students suddenly have to complete entirely different degree requirements.

Counseling Opportunities

Students can lower the risk of extended study time with some thought and preparation. Colleges and universities offer academic advising, where trained professionals help students determine what careers they want to pursue and help develop clear study plans and class schedules.

Students don’t always take advantage of these services, which also help them locate and apply for scholarships. Some students assume they’ll graduate as long as they have the right number of college credits, not realizing those credits need to be spread among specific course requirements.

Educational institutions are also addressing the problem. Many schools know offer exploratory classes in addition to voluntary counseling. These classes allow students to explore a wide range of disciplines before announcing their majors. Pre-college “boot camps” for freshman also expose students to counseling and academic skills, which hopefully shorten the amount of time needed to secure a degree.

For students entering college, preparation offers the best way to avoid extending your undergraduate degree, which saves you money in the long run. Give serious thought to your career path, and take advantage of academic advising and other college services — after all, you’re paying for them!


Interesting Facts- When Writing an Outline for your Term Paper

Posted on Sep 26, 2013 with No comments

Sep 26, 2013

The outline of the term papers should be considered as part and parcel of the entire term paper. When given this type of academic task, the main pre-requisite from the writer will be to test how to organize the student is or should be. Carrying out an extensive research and writing is something not very easy. There is therefore the need of an outline to take you through the whole research and writing process. So, outline needs to be impressive and can able to generate as much traffic as possible.

Furthermore, you should also know that the outline should be written in the simpler manner. If you think that the outline can be used to form a readable and unified content, then you need to put in all your best in writing and shaping what is to be found in the outline. Moreover there is nothing wrong in writing the outline in the same manner as the term paper will be written. This will save your time because of writing in the same flow.

Moreover, there are four steps that you must need to consider before writing a proper outline. You must first of all begin by searching out the materials that have to be appearing on the term paper. Secondly, you will have to interpret what you have as material for the outline. This means that you will have to look at what is relevant and appropriate to your term paper. Thirdly, you have to synthesize what type of material for the outline. Finally your paper should sound more than original term papers.

The writing of the outline is sometimes taken as a draft for your term papers. This is because most of the materials found in the outline will be one and the same thing that will be present in the final term papers. When writing your outline. Make sure that everything is up to date and starting from the introduction, right up the conclusion of your term paper has been properly represented. You should also take the note of the fact that you can possibly write out either a formal or an informal outline.

The informal outline will off course be less elaborative than the formal outline which will be informative and more elaborative. Ahead of writing an outline for your term paper, you should begin by assessing how this is going to be useful to you and your readers. Writing the outline of any term paper should be seen as writing an instructional paper. This is what will be used as a guide for you research and writing process. Keep in mind that other students may find it interesting to look at your paper.

Remember that the outline is just a summary of all points that you have mentioned in the term paper. The outline may not contain all what must be found in the term paper. This is because the research and writing process is an activity in which ideas may only come up as you write. However, writing a term paper outline should be seen as one of those aspects in which revision and editing should be a must. Remember that your paper may be a guide to other students.


Making Sure Your Home is Financially Frugal

Posted on Sep 25, 2013 with No comments

Sep 25, 2013

When you finally graduate college, it is very important that you manage your finances. If you are just about to start your first job, it is vital that your finances are kept in order. Here is how you can stay on top of your finances:

Create a budget

It is imperative that you make a budget. By writing down all expenditures, you’ll know exactly how much money has to be paid every month. When this is compared to what your income is, you’ll know about any spare capital. When you have a workable budget, you won’t spend beyond your means.

Pay bills within days of each other

If you have many bills to pay throughout the month, it is recommended that they are taken out of your account within several days of each other and not sporadically. Utility companies might enable you to change when payment is taken out of your account; your bills, like credit card companies, may offer you the choice of when your bill is due. When bills are taken out of your account within a few days of each other, you’ll be able to manage your finances more effectively.

Clear your debts

If you have a considerable credit card bill or any other form of debt to pay, like student loans, they should be cleared as soon as possible. By setting aside a particular amount of money in your budget every month, your debt levels can be reduced. When you no longer have debts, your credit history will improve.

Choose a credit card which charges a low rate of interest

You might have many credit cards. However, this isn't necessary because you should only have one credit card. If you have a credit card which charges a significant rate of interest, your bill will be very high if you don’t pay back what you owe to your credit card company. If you want to have a credit card bill, you should choose one which charges a lower rate of interest. Therefore, when you pay your credit card bill on time, you won’t have to pay a lot in interest.

Pay off your mortgage quicker

Although you might not want to have any mortgage payments when you just start out, this might not be possible. Learning how a mortgage can be paid off quicker can be done and a mortgage calculator will definitely help. It is in your best interests to pay off your mortgage as soon as possible. This is because you won’t have mortgage payments anymore and you’ll have extra capital which can be spent elsewhere.

Choose an ISA

The current interest rate for savings accounts is very low and as little as 1% might be given. If you have a considerable sum of money in your savings account, you won’t get as much in interest. However, an Individual Savings Account (ISA) can help because you can take advantage of a much higher rate of interest. More than 2% can be offered and some ISA’s give a 2.5% rate of interest. It is recommended that you find out about ISA’s which are being offered by other companies than where you currently have a savings account. This is because you could find an ISA which offers a better investment rate of return.

Shop at other supermarkets

You might be spending too much money on your weekly shopping bill. Many supermarkets, are cheaper than others and the same quality produce can still be bought. You could discover that up to 40% can be saved when you shop elsewhere. In fact, you might wonder why you haven't shopped at other supermarkets before.
These tips just scratch the surface. Many other ways to be frugal depends on your own situation. Make it a financial habit to reduce expense, the Halifax can help .

The CPA Exam is Looming, Are You Ready?

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Today's the Big Day!
According to the team at Becker CPA Review, more than half of those people who sit for the CPA exam fail the first time around. Small mistakes attribute to this failure: lack of preparation, unfamiliarity with the research function, and spending too much time on a single question are all factors in failure. It stands to reason that the more prepared you are, the more likely you are to pass the first time.

1.Schedule Your Time

Never think that you’ll fit study time in when you can. Studying for the CPA exam is a serious undertaking. Schedule time to study just like you schedule time to work, time to eat and time to sleep. When you are scheduling your time, also remember to plan exactly what you will study. Structure your time so that you are done studying a week or two ahead of the exam. You can use those last two weeks to review the material and refresh yourself. If you don’t schedule this time, you’ll never study as much as you need to.

2.Take Time Off

If you’re working and have vacation time, save it for the week of your exam. Schedule the exam, if you can, within a 10-day period. For example, take FAR on Monday, and study for it the weekend before. Take the BEC on Wednesday, and study for it on Tuesday. When you do this, you’ll ensure that you have the extra time that you need to cram and you’ll be less stressed. Remember that being stressed or sick can have a great impact on how well or poorly you do on the test.

3.Multiple Choice

Crazy preparing CPA exam
Don’t just study paragraphs in a book and definitions. Make sure that you are studying multiple choice questions. These questions make up 70 percent of your FAR, REG and AUD scores, and 100 percent of your BEC score. If you aren’t well versed in how to take multiple choice tests, it’s time to brush up. For some people, these are the easiest exams to take. For others, they are the most difficult. The better prepared you are, the more likely you are to do well on these questions.

4.Pay for a Review

You may be loathe to pay good money to purchase review materials, but you may be surprised at just how helpful they are. When selecting a review course, make sure that the questions are up to date, and look closely at the reputation of the company. These courses will not only help you study the right material, but keep you from wasting your precious time studying the wrong material.

5.Mentally Prepare

The more mentally prepared you are to pass, the better chance you have of doing so. Make up your mind that you are going to pass the test no matter what. When you adopt this attitude, nothing stands in your way. As obstacles arise, you find a way around them. Never give yourself the option of not passing; giving yourself an out is a sure fire way to fail.

No one will tell you that the CPA exam is easy to pass, even if you are prepared. What they will tell you is that the more prepared you are, the more likely you are to pass. You spent a great deal of time and money preparing for this step in your life; make sure that it wasn’t a waste.

Join a ASP.NET Training Center to Experience the Joy of Web Development

Posted on Sep 19, 2013 with No comments

Sep 19, 2013

Most of us have heard a lot about ASP.NET and its great advantages. ASP.NET is not only ASP’s next version; in fact, it is web development reaching a new height. It is an extremely strong and secure programming language equipped with numerous beneficial features for developers. It allows you to create robust and dynamic web applications. Some of the big IT companies are using this technology to design websites and web applications. Needless to say, the technology has great career opportunities.

So, if you have a passion in programming and wish to establish yourself as a software developer, consider going for a professional training in ASP.NET. Apart from its bright career scope, the language offers many advantages from the perspective of software development. This article discusses some of those advantages.

ASP.NET offers Simple and Easy Web Development

  • ASP.NET renders HTML: Owing to the bandwidth limitations of the internet, it is important to use HTML as the mark-up language. With HTML, web pages do not have that amazing look and feel as an application that runs under Windows. But, using some creative flair and skills, you can create amazing web applications with the help of ASP.NET. With ASP.NET, all the code is processed on the server. After processing, the resultant HTML is returned to the client. For using ASP.NET hosting, it is necessary to install .net framework on server. Even with HTML as the limiting factor, ASP.NET brings Object Oriented Programming to internet.
  • OOP on internet: OOP (Object Oriented Programming) allows the building of extremely large applications, while ensuring the proper structure and cleanliness of code. ASP.NET allows the same job to be carried out on the web. It allows the separation of code from the display and it is also possible to have pages having no ASP.NET coding at all. By the addition of references in the HTML that are said as controls, it is possible to make ASP.NET know that you wish to have some text here or a button here. The look of the controls can then be manipulated in the code. The manipulations include the size of the controls and what the controls display. Controls can display much more than just information. It is possible to add events to them, which result in the execution of some function.
  • Web Services: ASP.NET has a great feature called web services. The meaning of web services is that it is possible to include your application’s several pieces on various servers around the world. The whole application would work remarkably well. Web services would work well with normal applications of .net windows. 
  • Great support of XML: With ASP.NET, it is simpler to employ XML for storage of data, manipulation and configuration. ASP.NET has tools that can be easily used to work with XML. XML can be ideally used to store information that is rarely subjected to changes. It allows the caching of the specific information in the memory of the computer after its initial extraction.


These features make the usage of ASP.NET for development purposes, very easy and simple. There are many training centers that provide quality training for ASP.NET to make you industry ready. You can visit the websites of such training institutes to know what preliminary knowledge you would require to learn this technology.

Author's Bio: Alisa Martin is a proficient writer. She writes on vocational courses and php training center in kolkata. Her writings always contain authentic information and are widely followed by readers.


The Benefits of Becoming a Lecturer

Posted on Sep 18, 2013 with 3 comments

Sep 18, 2013

It’s no secret that there is a shortage of qualified and experienced lecturers in colleges and other institutions of higher education. Therefore, the demand is at an all time high and that’s why becoming a lecturer right now could be one of the best career decisions.

A lecturer is an academic position of high repute and responsibility. It is a very rewarding career, with the work satisfaction being the highest amongst all other jobs. As a lecturer you will be molding the raw minds of future scientists, managers or engineers. If a student makes it big and finds his place amongst the top talent of the world, the maximum happiness is experienced by his teacher who taught him in the college. If you are still unsure about the career choice to make and wondering how becoming a lecturer will prove any beneficial, here are the five top advantages that you will enjoy as a lecturer.

Work Satisfaction

A lecturer’s job is to stimulate the creative intellects of his students to do something new. While parents have a tough task making their students learn and study, a lecturer has skills that make his students love the subjects all the more day by day. You have the choice to talk about the subject you love. Bright students help you discover new things about the subject that you might have not known earlier while students with average intellects provide you with a reason to strive harder and discover new methods of teaching.

The work satisfaction reaches its maximum levels when you see your students getting accolades outside the college, because at that time you get the real fruits of the efforts you had put in that student. And besides, it is the best form of service you can do to the society and the humanity as a whole without having to compromise on salary.

Perfect work-life balance

Most youngsters today put more emphasis on work-life balance while judging a job’s likability. The good news is that a lecturer has one of the best work-life balance. Colleges and universities have fixed working hours and in those hours also you will not be giving continuous lectures. There might be some occasions when you will have back to back lectures but that will be a rare occurrence. Most colleges allow you to work from home when you are not required to give lectures You can juggle your family commitments more easily in such a situation. With the advent of internet and web 2.0 you can do most of your work on E-mail and video conferencing.

Plenty of research opportunities

A lecturer has easier access to research laboratories and is constantly encouraged to engage in active research work, than, say a normal teacher. However, it can become a little challenging to manage both the aspects of the job together, nevertheless, it is an opportunity that may do not get. Working as a researcher will enhance your ability to grasp the advanced concepts of the subject and will also provide a boost to your reputation in the eyes of the students and fellow colleagues.

Freedom and Flexibility

University lecturers enjoy autonomy to decide their own style of teaching. Unlike their school teacher counterparts, they are not bounded by the need to cover entire course within a definite period of time. Instead they can choose which part of the subject they want to teach and how to teach. The course is also designed in consultation with the lecturer.

With all these benefits in mind, there is certainly a merit in giving this career a shot. As with every other career, there are certain education qualifications and skills that you need to develop.

Professional qualification needed

To successfully apply for a lecturer job, a post graduate qualification is an essential requirement. In the past few decades the role of lecturer has acquired so much of importance that getting a permanent lectureship in a reputed college without a PhD. is almost impossible. Thus, the essential education qualifications that you will need to become a lecturer include a bachelor’s degree, followed by a master’s degree and a PhD in the relevant field. A separate teaching qualification is not an absolute necessity although having one would provide a boost to your career prospect.

Skills required

Multitasking: A lecturer should be able to multitask effortlessly. The present day teachers are faced with daunting task of teaching new things to students, dealing with their questions, engaging in research and being a coach or mentor. An outstanding lecturer would be able to handle all of these responsibilities with patience and determination.

Good listener: A lecturer should be a good listener to hear what his students have to say. A lecturer’s responsibilities are not to thrust his knowledge onto the students but to help them learn new things in their own way and pace. Therefore lecturers who spend time listening to their student’s queries and thoughts are the most respected of all.

Enthusiasm and energy: A lackluster approach to teaching works against the very principles of education. If you are bored with the subject or topic and are still trying to teach it to the students, it will show. Your energy and enthusiasm about teaching will transfer to students and they will also put in the same energy to learn the subject. Moreover, being lazy at workplace is a sin, that must not be committed in any condition.

Author Bio:
Saurabh Tyagi is a career and education counselor who advises professionals on their career choices. He regularly shares his views through articles like these on leading online job search sites.


Driving Without Insurance: What to do When You Get Pulled Over

Posted on Sep 17, 2013 with No comments

Sep 17, 2013

Jelly's misadventureHitting the road without that valuable proof of insurance card in your glove compartment can be dangerous and costly, and yet it's incredibly common. According to USA Today, as many as one in every seven drivers doesn't have auto insurance. In Mississippi, Tennessee, Florida, New Mexico, and Oklahoma, 25 percent or more of licensed drivers are uninsured. Since the recession, the temptation to press your luck and avoid high premium costs has been greater than ever. But very often, the worst happens. A police officer pulls you over, asks for your license, registration, and proof of insurance, and you can't produce the insurance card - or you're driving with an expired one. Should you panic? It all depends on the situation.

Do You Have Insurance, Just No Proof?

The best case scenario for being pulled over with no insurance card is that you just don't have a copy of it on you. Maybe you recently switched companies and have yet to receive your paperwork in the mail. If you tell this to the officer, he or she may stick to issuing you the ticket for the reason they pulled you over, like speeding or a broken tail light. But since many states are cracking down on uninsured drivers, you may still get the ticket for no proof of insurance with the option to have it dismissed. Depending on your state's laws, you can fax a copy of your insurance card or take it into court within a short amount of time - usually 5 days - to prove you were insured on the date you got pulled over. Don't claim that you're insured if you're not because it's an easy thing to check in most states. If the officer runs your license and it says you're in trouble with the DMV for a lapsed policy, you could get caught in a lie.

If You Have No Way to Prove Insurance

If there's no way you can explain this to the officer, you could find yourself in a much more dire situation. In some cases, people have successfully gone home and signed up for an insurance policy online the same day as their ticket - the wonders of modern technology. However, if you can't afford to do that or it's not feasible, you might consider if you can afford to talk to an attorney, because that's the alternative for most drivers. In Dallas, Texas, where they officially have the most uninsured vehicles in the country, it's legal for officers to tow your car if you aren't insured. Most states require you to appear in court and will issue a warrant for your arrest if you don't. The price tags on these tickets vary by state, but since virtually everywhere is cracking down on the rise of uninsured drivers, you could be looking at up to $500. The best you can hope for is a police officer or judge who takes into account your situation. Briefly driving without insurance because you didn't realize it expired is different than habitually driving without insurance intentionally to avoid purchasing it.

Long-term Consequences

I can never get away from the cops.
High ticket prices aren't the only reason many drivers consult an attorney over a charge of driving without insurance. Most states will suspend your license, registration, or both, especially when the judge deduces you haven't been driving insured in a while. This violation will also leave you virtually uninsurable in the future, and once you get your license back you'll be required to enroll under the government's high-risk pool, where you'll pay sometimes 3 times the national average. All of this might seem terrible, but it's still better to be caught during a traffic stop than because you caused an accident. With no insurance company to pay the damages, you could be suffering all these penalties on top of having your wages garnished for years on end to pay for medical and mechanical bills for the other driver.

In many states, it's now common to pass through insurance checkpoints where police can instantly ticket drivers who can't produce an insurance card. It's getting tougher to drive without insurance, but when you consider the huge financial and legal risks you are taking, it's understandable why the police are serious about the problem. Remember, being on the road without a current policy is illegal no matter what the reason.

Best Tips for Student Investments for Their Own Future

Posted on Sep 16, 2013 with No comments

Sep 16, 2013

Students have the definite advantage of youth and idealism when it comes to matters of investment. The fact that they are young means that their potential is boundless as this is the best time for them to engage in investment opportunities since the earlier they start, the bigger their future gains will be.

By applying some of the following tips when making their investments, students may vastly sharpen their learning curves and create a much wealthier future for themselves and their families and never have to be concerned about their financial freedom. Enjoying financial success before they even start working to pay off their mortgages and mortgages and student loans can be a great way to jump start a student’s future.

Some of the investment opportunities that are widely available for students to engage in include stocks, bonds, commodities, real estate, foreign exchange, savings accounts, business investments and many others. The media is teeming with stories of many people that have struck it rich via these and other investments while they were still only students, and any students that are interested in learning about how they can replicate the same should contact AXA insurance at any of our locations.

Savings accounts offer students one of their simplest investment avenues since it takes very little effort on their part to open one. Savings accounts involve little or no risk but the profit margins that they offer are small when compared to other investment options available. Students can also become involved in business investments via a host of various methods. The most common ways include forming a partnership with an already existing business or taking out a loan and using it as start-up to finance their own business venture.

Stocks and bonds are the most widely used investment channel by students since they can very easily trade in stocks or invest in bonds by using the internet from virtually any location on the planet. Internet-based stock and bond investment companies offer their clients secured and real-time access to their trading accounts 24 hours a day and seven days a week. One can again contact AXA insurance for more information about this.

Investing in real estate is potentially the most rewarding investment option that a student can ever make. These is because the value of the real estate, whether land or buildings can always be expected to appreciate significantly year after year, unless there is a housing crash like the one currently being experienced in the United States and in several European countries. Commodities enable students to trade in various precious metals including gold, silver, and platinum or in grains and other agricultural products like coffee, tea and sugar. This is made possible through the futures market.

Finally, the investment in foreign currencies such as the Dollar, Pound, Yen or Euro is now also an option that is currently also available for students. All one has to do is open an online trading account with a banking institution or forex bureau that offers this facility. Just Contact AXA insurance to find out how.


Top Techniques for Making University Life Simpler

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Starting any form of tertiary study can be scary, especially if you’ve never set foot inside a university before. It differs from school in several drastic ways, meaning that you cannot use the same techniques and still have a chance of passing. Instead, you’ll need to get used to a more self-motivated study environment in which the onus is on you to get good grades and earn your degree. Fortunately, achieving success here isn’t too difficult as long as you follow these simple steps.

Choose a Good Location

Since most studying at university occurs outside of the classroom, you’ll need someplace that is conductive to your learning. Bring your books to a quiet area in which you can focus. Examples of this include:

  • Libraries
  • Student rooms
  • Empty classrooms

While it is tempting to be social and remain with your friends, remember that this won’t help your overall study goals. Heading somewhere quieter will produce better results in the long term.

Get Into a Routine

While cramming might help you pass exams, it puts everything in your short-term memory where it will be forgotten later. Instead, set aside time to study every day. Make time to review your readings and notes on a consistent basis, placing them in your long-term memory and ensuring you know the coursework well before the exams and assignments are provided.

Seek Out Assistance

If you’re struggling, and chances are that you will at some point, never be shy to find some help. Since your aim at university is to learn, you shouldn’t let a small matter like a lack of understanding act as an obstacle. There are plenty of ways in which you can gain assistance too, from your lecturer to your classmates. There may also be a university learning skills center which gives you the tools and knowledge you require to pass your course.

Enroll in Outside Classes

There are also ways in which you can boost your abilities through external methods. For example, overseas students might struggle with the language used in lectures. By attending an institute such as The London School of English, you’ll boost your listening skills and understand what is going on in a much better manner. Further study like this can be done in almost any subject, giving you more practice and a better understanding no matter what course you’re attending.

Organize Your Life

Actually getting through university requires a personal routine that encourages focus and productivity. As well as regularly reading over your coursework, you will need to:
  • Get enough sleep each day
  • Eat a balanced diet
  • Exercise three times a week
  • Avoid too much alcohol
Take care of your body and your mind will reward you with enhanced concentration and a better memory. Your grades should then improve as a result.

Form a Bigger Picture

Generally the notes and textbooks that you use are there for a reason. Rather than being separate entities, they are there to form a “big picture” for the course. If you are aware of what your lecturer is aiming for, you will have a better idea of which subjects are more important for your success. After all, you can’t study everything that subject entails. Instead, seek out the general focus that is required and then concentrate on those specific areas.

Your Path to Success
This should cover the basics about how to get through university without breaking a sweat. Remember that the responsibility is yours to make sure that everything is organised. With the right perseverance and motivation though, you’ll form a routine that encourages good grades and enhances your knowledge in the future.


How Scary is The CPA Exam? Advice for Acing Your Certification Test

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Studying for last law school examThere are few things as challenging and time-consuming in the career of an accountant as passing the CPA exam. And the statistics don't make it any less intimidating. According to the National Association of State Boards of Accountancy, nearly 240,000 exams are given each year, and over 40 percent of the exam-takers are on their second or third go-round. It's not uncommon for the brightest of candidates to fail by just a few points. Yes becoming certified will earn you more money and let you compete for the best accounting jobs in business today. There are many different certifications available for accountants, with most of them dependent on their specialty, but there's no real substitute for the CPA. That's why it's important to take steps to ensure you're prepared.

1. Invest in Preparation

You might think you can tackle the CPA exam on your own, but spending money on test prep or training packages can put you way ahead of the pack. You can find materials that are geared to how you learn, from audio books to class seminars. Whether you choose an online review course or meet up with professors and colleagues in person, you need outside help. Even if you continue with self-study, you'll know what material to prioritize and how to pace yourself for the big day. Research any product you're thinking of buying online before you decide - usually CPAs on message boards and social media will be open with their recommendations.

2. Remember Marathon Studying

Practicing good study habits means tackling a little bit of material every day instead of cramming. Keeping the material fresh in your mind will help you retain information. Marathon studying includes incorporating books and audio material into every aspect of your life. Read on the bus, on your lunch break, and while you're waiting for your laundry to dry. Get an audio review and listen while you're working out or cleaning the house. But while you're immersing yourself, make sure you get enough sleep and step away from accounting for at least one day a week.

3. Be Honest With Yourself

Design your study plan around areas where you need the most improvement. No matter how great of a student you are, everybody has their strengths and weaknesses. The exam will be broken down into financial, auditing, regulation, and business sections. Your attack plan for preparation should involve breaking down these sections into the topics you most need to cover and saving your easiest areas for last. Spend some time working on the different question formats, as well. You might need to work on more sample questions in the simulation or essay portions than in the multiple choice.


4. Have a Great Test Day

It's normal to be really nervous when the exam finally arrives, but you should remain calm and follow the right procedures. Give yourself plenty of time to arrive. The testing centers ask for an extra 30 minutes for signing in, getting your picture and fingerprints taken, and going over policies. Make sure you have your Notice to Schedule ID number. By the time you arrive at the testing center, you'll hopefully have taken the sample tests and read over all the paperwork that lets you know exactly what to expect. If there are technical difficulties while taking the exam, be sure to report them - your total time won't be reduced for asking for help.

When preparing for your CPA exam, it's important to remember the long-term goals you have for your career. Keep yourself motivated and help your family and friends understand how important this achievement would be for you. You should take it seriously but not burn yourself out. Whether you pass with flying colors the first time out or need multiple chances, just being able to meet that goal is impressive. You're on your way to being a bright new star in the accounting industry.

Gaining Financial Literacy Skills for College

Posted on Sep 12, 2013 with No comments

Sep 12, 2013

Unless you’ve been blessed with wealthy or financially prudent parents, chances are good you’ll have to finance some of your college education. For young students living independently for the first time while carrying full course loads, learning to juggle finances with college life can be overwhelming.

Colleges and government agencies alike express concern at the lack of financial literacy in many students, a lack that can spell the difference between dropping out and degree completion. To address these concerns, new services, counseling options and financial education classes are appearing across the country.

Too Much, Too Fast

The problem doesn’t lie with students’ financial irresponsibility. Instead, the problem is one of experience, or more accurately, a lack of experience. A college freshman applying for student loans enters an agreement for up to five years of borrowing. This is a huge introduction into the world of financial loans.

The challenges are many. The student needs to understand the loan process, have a grasp of interest rates and their long-term implications, prepare for the inevitable moment when they need to repay the loan, and understand how to budget and make maximum use of the loan money so they won’t need to borrow even more.

All of this while taking a full credit load of post-secondary education and getting used to independence? It’s pretty overwhelming.

Colleges and Financial Literacy Courses

It may seem like it's just adding more to back-breaking course loads, dorm life and other freshman obligations, but if possible take advantage of your college or universities academic counseling department. College counselors can help you create a schedule for required courses and help guide you through scholarship and loan applications.

Additionally, counselors can help you find free financial education offered by the college or the surrounding community. Colleges often offer seminars on budgeting, balancing work and school and credit card management. Some first-year students, flush with new-found independence, dismiss such offerings, but they can help you survive your first year away from home.

Innovative Incentives

Keep your eye open for college incentives which reward student planning and good grades while encouraging financial literacy. For instance, the University of Montana in Missoula offers the Four Bear program. The program rewards students who pass required courses by guaranteeing them placement in courses needed for degree completion.

This may not sound, initially, like a financial incentive, but with limited classroom space, competition for degree-required courses can be fierce. Such classes fill up quickly. If you can’t get a seat, you may need to add an extra year to your degree, with all the financial costs such decisions brings.

Part-Time Work and College?

Part-time jobs are common among college students — many collegians install 1983 mustang parts or wait tables while taking on full or part-time course studies.

Innumerable students have worked through college, but the decisions isn’t as financially cut and dried as you think. Part-time studies extend how long it takes to attain your degree. Once you compete your degree, your earning power increases.

If you can work part-time while engaged in full-time studies, you can offset some costs. Lengthening study time for low-paying jobs, however, doesn’t make as much sense, particularly if you have to take out more loans to cover educational expenses.


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