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Important Considerations and Features For Students Leasing a Business Car

Posted on Jul 17, 2014 with No comments

Jul 17, 2014

Hiring a car for business purposes offers some notable benefits, though the overall competitiveness of the arrangement is dependent upon more than these benefits alone since there are a number of important features that business owners need to understand and look out for when leasing a car.

Why Lease Rather Than Buy?


For business owners, leasing has long been more advantageous than buying because most car leasing expenses are tax deductible, there’s minimal financial outlay involved, road taxes are usually included, and leasing rates are usually much lower than repayments.

There are, however, a few drawbacks to car leasing contracts including the capped mileage limit most car leasing agencies apply to their leasing contracts and the fact that the business won’t have accumulated an asset by the end of the leasing contract.

At the end of the day, leasing is a better option for business owners, though they’re advised to confer with their accountant to ensure leasing will prove more advantageous in the long run than buying a business car outright. 

Which Car to Lease?


Business owners shouldn’t get carried away when leasing a car just because they’re presented with the opportunity to get about in a car they couldn’t ordinarily afford but rather select a vehicle that’s suited to their business needs, though having said that, in business circles it’s important to put one’s best foot forward and getting about in a nice car conveys the impression of professionalism and prosperity.

However, efficiency should be a high priority, and not only because of the savings afforded to businesses with regard to fuel consumption, but also because higher emission vehicles are hit with rising taxes as was announced in the last budget.

“By choosing more efficient vehicles, the tax savings and environmental benefits to the business will be considerable,” says Matt Dyer, LeasePlan’s commercial director.

Important Car Leasing Contract Features


Leasing a business car is actually very straightforward but it isn’t something to should rush into because there’s quite a lot to take into consideration.

Once you’ve decided upon a make and model that’s most suitable for your business needs you can start sourcing car leasing agencies to shortlist by comparing the deals they have to offer.

The length of time you wish to lease a car is an important consideration because you’ll be entering into a binding contract and you need to lease a car for the length of time you deem suitable for your business needs.

Most car leasing agencies offer contracts of 12, 24, 36, or 48 months, so make sure you can lease a car for the length of time that best fits in with your business plans.

Mileage caps are another important contractual feature that you’ll need to take into consideration when sourcing a suitable leasing contract.

Most agencies offer similar mileage caps, though if you feel as though you’ll exceed the mileage cap – when you exceed the mileage cap you’ll pay a fixed fee per mile – you need to source a leasing agency that provides higher mileage contracts; however, you also need to bear in mind that higher mileage contracts equate to higher monthly payments.

Additionally, discuss the possibility of extending the mileage cap if needed as some leasing agencies will allow you to increase the mileage if it appears as though you’ll need to exceed it, though be sure to discuss this prior, not after, entering into a business car leasing contract.

Vehicle options, for instance Satnav and digital air conditioning, are something else to look into further and you should also discuss your branding options if you plan on emblazoning your leased car with a car body wrap – car wraps are an excellent marketing method that garners plenty of exposure – to increase awareness of your business brand when you get about town.

Gap insurance is another important contractual consideration to check before signing on the dotted line, as are acquisition and disposition fees, and don’t forget to enquire about purchase options and the fees applied in case you decide to buy.

Car leasing is, generally speaking, a much better option than buying a car for business purposes but you need to know what to look for in a business car leasing contract.
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How Some Students are Paying Less for Car Insurance

Posted on Jun 30, 2014 with 2 comments

Jun 30, 2014

Like it or not, young people usually end up paying more for coverage than more mature drivers. Even so, there are a few perfectly acceptable strategies that young adults can employ to bring down their premiums—especially if they are students. But before we get into the discounts that are available to students, it’s worth taking a look at how insurers calculate risk. Generally, they take the following factors into account:

  • Type of car
  • Marital status 
  • Occupation
  • Driving record
  • Place of residence
  • Credit rating
  • Gender
  • Age

The latter is the most obvious strike against students. Statistics show that young (i.e. inexperienced) drivers are much more likely to be involved in an accident than their more mature counterparts. However, many of the other variables on the list apply as well. For example, students haven’t spent as much time generating a paper trail in their adult lives, and that means that they aren’t going to have, for example, as clear or strong a credit rating or driving record. Likewise, students have yet to establish an occupation or—in most cases—tie the knot.

So why do factors like this matter? For starters, the variables listed above can tell us a lot about how (and how much) you’re going to drive your car. A person who owns a sports car probably bought that car—at least in part—because they intend to do some fast driving. Faster driving equals higher risk, plain and simple. In this case, it’s better to own up to the situation and purchase performance car insurance, which is tailor-made for vehicles like this.

Likewise, policyholders that are married and have children are statistically inclined to drive more carefully. Those that work far from home are going to spend more time on the road on their daily commute; and the more time you spend in traffic, the more likely you are to be involved in an accident—regardless of how careful you are. Got a good credit score? That probably means that you err on the side of responsibility. In such a way, insurers can paint a portrait of us in probabilities without ever having met us.

Of course, it would be wonderful if ever insurer were able to get to know their customers on a personal level. But as that’s not even a remote possibility, we’ll have to settle for the statistical equivalent.

How Can Students Lower their Premiums?


Fortunately, it’s not all doom and gloom for university students. In fact, there are several ways that a young person who is focused on studying can bring down their premiums. Here are a few ideas to get you started:

Ask for a good student discount.


While students may not have much in the way of a history to demonstrate their responsibility, they do have a constantly updated academic record that hints at the kind of person they are. Insurers know that students who get good grades are less likely to take unnecessary risks. Again, we’re talking about statistical likelihoods here. It’s nothing personal, but better grades mean you’re probably a better driver.

Get added to your parent’s policy.

This is only an option if you are not the primary driver for the vehicle in question. Being added to your parent’s policy can result in a discount, because the assumption is that the primary driver will spend more time behind wheel. But be careful with this one. The act of fronting, or naming a lower-risk person as the primary driver when this is not the case, is illegal. If found out, it can void the existing policy, put the driver at risk for driving without coverage and lead to major points on the license. It’s not worth the risk.

Look into telematics.

Some insurers will equip your car with a sort of ‘black box’ that measures the way you drive and reports back to headquarters. When there’s not much data about your personal habits for insurers to review, this is a practical way to prove what kind of driver you are. Over time, your premiums will adjust based on driving habits (propensity for speeding, etc.) as well as for how much time you spend driving in general.
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Studying, Working and Short on Cash? Four Considerations before Borrowing

Posted on Jun 20, 2014 with 2 comments

Jun 20, 2014

As a student you undoubtedly have a lot on your plate in addition to your studies and trying to make sense of your career choices and it’s probably safe to say that from time to time money is, like water in a drought, a scarce resource.

Going without cash and surviving off cup noodles is one way to weather a cash-strapped period, at least for a few days, but what about when you’re looking at a period of a week or more and there are no more noodles?

This is a situation many of us have been through in the past, with most surviving – albeit a few pounds lighter and looking considerably trimmer – to tell the tale.

Stressing about money?


Stressing about money and where it’s going to come from next isn’t something students want to deal with, plus it’s hard to focus on your studies when your stomach’s grumbling and rumbling like an antiquated tractor and you’re living in fear of that knock on your door from your landlord; however, there are options at your disposal.

Could a loan be the answer?


Applying for a loan is an option if you have an income from a part-time job – provided you can prove your income – but as with all loans and borrowing in general, it isn’t something you should rush into no matter how sure you are that you can comfortably make repayments. When in need of a loan, one can always leverage the equity of their home. It is important to become familiarized with Home Equity Loan Rates.

Many students have found themselves in deep water because they’ve been too quick to apply for loans, not to mention those who’ve applied for loans to fund fun nights out, however there’s no need for you to find yourself in such a predicament provided you understand what you’re doing.

Create a budget before borrowing


If you plan on applying for a loan to get you through a tight financial period it’s advisable to create a budget before applying; in fact, considering the trouble some students have found themselves in, it’s essential.

Creating a budget, as a savvy university student, should be a doddle and you’ll need to list:
  • Your income, i.e. wages and money received from elsewhere – your parents perhaps? 
  • Your essential expenditure – bills, food, rent, transportation, etc. – and a little set aside for emergencies 
  • Your repayment amounts and the dates on which they’re due 

By creating a budget prior to applying for a payday loan you’ll understand how much you need to apply for and how much you can afford to borrow, though it’s often the case that they’re two very different figures.

Ensure you’ll have enough work to repay your debt


Many students have found themselves in over their heads because they didn’t have enough work to cover their repayments.
This is the nature of part-time employment to a great extent, so give your employer a call to ensure you’ll have enough work coming in and if necessary, Inquire about taking on a few extra shifts.

Budget your loan, i.e. don’t spend it straight away


We’ve all experienced the joy of seeing a bank balance for the first time in days; however, resist the urge to spend it straight away.

A great way to budget your loan is to withdraw the loan in its entirety, take a few envelopes, label each one with labels like ‘bills’, ‘food’, etc. and set aside an amount for each.

If you have more than one week’s rent to budget for it might pay to contact your landlord to inquire about paying two or more weeks rent upfront to ensure your rent is covered.

Meet your repayment commitments on time


Along with choosing the right payday loan provider to apply to – some payday loan providers offer great rates and easy application processes – meeting your repayment commitments in a timely manner should be your top concern.

Failing to do so can harm your chances of borrowing on favorable terms in the future and the last thing you want to do is incur a poor credit score before you’ve finished school.

Applying for a payday loan can be an effective way to weather a tight financial period, though make sure you know exactly what you’re getting into before applying.
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Arranging Cheap Transportation for College Students

Posted on Apr 13, 2014 with No comments

Apr 13, 2014

If you will shortly be waving goodbye to a son or daughter who is leaving home to study at college, there are probably many things that are causing you sleepless nights right now. Whilst I cannot help with them all, I hope that the advice in this short article will help you to organise cheap transportation for your child so you do not have to worry about them getting to lectures in the mornings or coming back to visit at the weekends.

1. Trains and buses – this option is most useful in large cities and especially for students whose families live in London and who will be attending a college in the capital. You can purchase an oyster card that holds an annual season ticket, allowing your child unlimited travel on the underground, docklands light railway, overground trains in the city, and buses. This will enable them to visit you whenever they fancy, go shopping in town, attend lectures in various locations and basically go wherever they wish without having to worry about how much it will cost. An all-zones ticket will provide the most flexibility with regard to possible destinations.

2. A second hand car – if your son or daughter has already passed their driving test, buying them a small, economical car is well worth considering. It will give them a sense of independence that public transport cannot and mean that they can travel at any time of night or day rather than having to organise their trips around train and bus timetables. The only problem will be whether they can afford the petrol to go wherever they want but you can always give them a monthly allowance if this is likely to be an issue.

3. A cheap motorcycle – whilst some parents may not like the idea of their child riding a bike on busy roads, if your son or daughter is sensible and you buy them a well-maintained model, there is no reason why they cannot use it to travel safely and economically throughout their college years. A big advantage of this mode of transport is that motorcycle insurance is relatively inexpensive and a small bike will use far less petrol than a car. Your child will need to pass a test before they are allowed to ride on public roads, so you should include the cost of basic training in your budget when evaluating this option.

4. A bicycle – this is another option that is only really practical for students that live in a large city and are planning to attend a university that is not too far from home. If your son or daughter will be studying at a college that is many miles away, they are unlikely to want to ride home at the weekends. However, they could still use a cycle to get about the town or city in which their university is located and take it on a train or bus whenever they wish to come home for a couple of days.

Before you decide on the most suitable option for your child, it is a good idea to talk to them about their feelings on the matter. There is no point, for example, in buying a car for your son if he absolutely hates driving and has no intention of learning how to do so. Young ladies that are worried about safety issues on public transport may be equally unenthusiastic about the prospect of coming home on a night bus after spending the evening with friends in town. If you can afford to offer your child a choice, this will obviously be appreciated.
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Looking For Professional Language Translators

Posted on Mar 14, 2014 with No comments

Mar 14, 2014

The language barrier between trading parties across the world can be eliminated with the services of language translations. However, it's equally imperative to choose a trustworthy and reliable translation company to proffer precise information to all your foreign customers. There are many companies out there proffering culturally inaccurate and irrelevant translations. Dealing with such inefficient companies can harm your business communication with your prospects speaking some other language. But fortunately, there is also no dearth in the number of translators and interpreters offering credible translation work. There are several reasons which make it indispensable to use professional services of language translations.

• Legal demands- It's extremely important to choose a language translator or interpreter who can understand and apply the necessary legal terms of court. Professional translators make sure that all your company's legal documents are accepted in the courts for their legitimacy.

• Financial demands- Financial translations are also highly sought after by people with diverse needs. The professional translators are equipped with all the needed skills to present accurate and precise language translations no matter how complicated the financial documents are.

• Technical demands- The professional translators also fulfill the technical demands of translations. A credible translation company employs qualified translators holding in-depth knowledge about the various technical fields.

• Website demands- Professional services of translations definitely play a significant role for businesses wishing to introduce a multilingual professional website for their company. With these services you can incorporate the option to translate your website content into different languages. This way you would be able to effectively communicate with your foreign customers and convey them your vision, mission, services and products.

There are numerous situations as such where you would need the assistance of a good translation agency. Especially, in order to successfully establish yourself in the foreign market, it's extremely critical to have accurate and culturally viable translations so that your core business message is conveyed to overseas customers precisely without creating misunderstanding.

Most of the reputed translation service providers also offer great consultation. While dealing with the foreign customers, you might need the guidance of a qualified language consultant. The translation agencies are well aware of this fact and thus provide you with the needed guidance through an adept consultant who can help you address all your queries as a great cultural ambassador. For instance, the way you use the dialects leaves a huge psychological effect on the customers. An expert consultant can thus advice you regarding the right approach to market your products or services to them. All these factors make it indispensable to use professional language translation services.
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Real Estate As Career

Posted on Feb 16, 2014 with 1 comment

Feb 16, 2014

Who hasn’t heard of Warren Buffett? He made his fortunes – $53.5 billion, to be exact – among others, from dealings in real estate. He has constantly been in the list of top 5 richest people in the world. If you sat down and got to thinking about it, you would be surprised at how many rich or at least, well-to-do people had their roots in real estate.

Notwithstanding the estimate of some people that real estate always works inside a balloon ready to burst anytime, it still is a fair bet. One of the reasons that can be cited as an ingredient in this optimism is that you cannot make land disappear; not ever. Global meltdown or not, there will always be people to sell land and property that stands on land and there will always be people to buy them.

A student on the verge of deciding what to do with his life could confidently decide to become a realtor. No, you do not have to be an exceptional salesman; in fact, you do not have to be a salesman at all. The ware you are selling is for any prospective buyer to see and estimate its value. You just have to provide indisputable and easily verifiable facts. Not for you the fly-by-night operations. These are resorted to by many a realtor out to make a kill but they stand a very real chance of getting discredited and may well end up behind bars.

While earning is good, you must remember you cannot be a beneficiary of pensions, gratuities and other retirement funds. It is prudent then, to make your own arrangements in the regard.

What is the work involved?

A student can learn all about how to establish and run a successful real estate business from a number free courses online.

The important tasks involved are:

  • Apprise the seller of the purchase offer.
  • Confer with all the people involved in a sale or purchase of a property and finalize all the aspects. Documents like purchase agreements, deeds and closing statements are to be prepared.
  • Be the intermediary between the sellers and buyers and negotiate judiciously.
  • Never tire of showing the property to prospective buyers even if you have to carry out the routine many times over.
  • Make use of electronic and print media to advertise the property.
  • Answer responsibly to queries regarding construction work, renovation and repairs and finance.
  • Sellers may not know the nuances of how to make a property attractive to buyers. Apprise them of the points be instrumental in carrying out the programs towards this end.
  • Inform the client on market prices, mortgages and legalities.
  • Try to get services of other agents if the property is huge if it is in an area unfamiliar to you. In order to do this, establish contact with such agents and keep in contact.
  • Make sure you make your commission percentage clear so that there is no misunderstanding.

Do not forget to get the reactions of satisfied customers and keep them in record. They will serve you as goodwill ambassadors.

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7 Best Budgeting Apps for the College Student

Posted on Feb 6, 2014 with 2 comments

Feb 6, 2014

Don’t wait until you’re completely financially independent from your parents to start learning proper money management. It’s best to start budgeting your finances while you are still young. Developing certain habits early on will help you in the long run.

No need for paper and pen, because your smartphone can help you do the job. Teach yourself to manage your finances with these must-have apps.

1) iWallet


Literally designed as a wallet in your phone, this app costs $2.99 in the Appstore. It comes with an income and expense tracker to help you make your budgeting troubles disappear. Its key features include: single account data export and import, password protection for accounts, and add or delete accounts. You can view your income and expense report in a chart or a graph, too.

2) Mint


Mint is a must-have for people serious about managing their finances. What sets this app apart from others is the great user experience: Mint has a more personal approach.

It doesn’t just read your data for you, but helps you achieve your goals as well. For instance, you can put certain priorities like credit card debt, retirement plan, or vacation, and Mint will keep you updated on your progress. There are more features in store if you download this money tool.

This app is available for free in the App Store, Amazon, and Windows Store.

3) Toshl Finance


Free for iPhone, Symbian, Windows, and Android, Toshl will make budgeting your finance stress-free and simple. Its simplistic color scheme and interface makes it easy to use and understand for the social media-engrossed college student. You can organize your expenses through tags and sync your data in toshl.com, and as they say, you’ll “save money” and “worry less.”

4) BUDGT


If you don’t want the hassle of putting your personal information in the app or its corresponding website, this is the app for you. It’s designed for an iPhone, which means that the app is very easy to use and manage. It comes in more than 15 languages too so that’s a definite plus. In the latest version, BUDGT allows you to set the amount you want to save for every month. This is available at the App Store for $1.99.

5) PriceSpy


With a 4-star rating at the GooglePlay store, PriceSpy is essential for tech geeks who love their Androids. If your budget allows for gadget buys every month, then this app will help you compare specs and prices, as well as notify you when you’re ready to buy the item. It also has a bar scanner feature. This is the best app to make a gadget wish list on.

6) YNAB


Every time you read YNAB, it will remind you of your needs, and that is: You Need A Budget! Available in iPhone, Android, and Amazon’s Kindle Fire, this app makes budgeting simple and efficient. You can categorise your designated budget for expenses, such as bills or credit card debts. You can also sync all your data via Cloud Sync.

7) PocketMoney


If you visit this app in the App Store, don’t let its piggy bank icon fool you into thinking it’s just a cute app that helps you save money. Available for $4.99, this app is intense in terms of managing your budgets, checkbook, and expenses.

What is extremely convenient with this app is that you’ll be able to track your income and money you spend via your credit cards, checking, and savings accounts. Other accounts you can track are your overdraft, assets, and liabilities account. You can even share your income/ expense reports and other data via email to your parents.

If you want to entrust your financial date with PocketMoney, you can try the lite version of the app by visiting their site.

Managing your finances with one of these apps is going to make your future more peaceful and stress-free. With the right attitude towards saving money and credit card use, you may dodge the bullet of debt that many adults suffer at present. Besides, these apps make your finances more interesting and easier to manage because they do the math for you.

How do you manage your finances? What are your personal money-saving tips while you’re in college? Share it with us in the comment section!

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Your Ultimate Guide to The Best Sports Journalism Schools

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Does your love for sports go beyond simply watching them? If you’re the type of sports fan who loves to read and write about sporting events, then a career as a sports journalist could be for you. The US is home to a lot of sporting events; and what’s even better is that there a number of good colleges offering quality sports journalism programs. If you’re thinking of becoming a sports journalist, then you should check out the best sports journalism schools in the US:

1.       University of Texas – Austin


The University of Texas in Austin houses the Moody College of Communication that runs the journalism department. U of Texas is particularly known for their journalism program—earning the #11 spot in the print journalism list. As journalism majors, students can opt to apply for the sports journalism specialization (first-come first-serve basis). Initiated way back in 1911, the U of Tex journalism program is one that is rich in culture and legacy.

2.       Pennsylvania State University


Penn State, with its John Curley Center for Sports Journalism (under the College of Communications), is another school that has a highly-touted sports journalism program. They give out an annual Award for Excellence in Coverage of Youth Sports. The center mixes instruction with research and other programs (like outreach programs). Sports journalism majors can be assured of a highly-rewarding internship experience with Penn State’s top industry partners.

3.       Boston University


BU has a College of Communication which runs its Journalism school. The school allows its students to specialize and concentrate on sports reporting. Boston University journalism majors who wish to concentrate in sports reporting get to learn the nitty-gritty of journalism, together with topics that relate well with sports—psychology, sociology, and even economics. Students at BU focus not only in reporting, but in sports writing and media coverage as well.

4.       Indiana State University – Purdue University


This school is the home of the National Sports Journalism Center and is run by the capable hands of Indiana University’s top-notch faculty and staff. The NSJC is not only a school but acts also as a resource center for sports journalists. The center gives students the chance to experience how sports journalism is done. Students get the opportunity to be part of a news bureau that covers several sporting events. The NSJC is also considered the biggest sports media organization in the US—the Associated Press Sports Editors.

5.       Oklahoma State University


OSU has one of the most technologically advanced sports centers in the United States. They offer a sports media program (and not just a sports journalism program) at the School of Media and Strategic Communications. OSU facilities are constantly visited by big-time sports programs and their students get exposure from these visits. Sports media majors at OSU get hands-on experience from the visiting top professionals of the sports media industry. They learn not only about sports writing, but also on play-by-play announcing and sports production.

6.       Marshall University


Marshall’s sports journalism program is under the W. Page Pitt School of Journalism and Mass Communications. Sports journalism majors get to experience how it is to cover sporting events. Their training focuses on the all-important aspects of sports writing. They also give their students the chance to broadcast live sporting events with their own sports radio program. Students are also trained in regards to public relations work in sports.

7.       Springfield College


The sports journalism program in Springfield is multidisciplinary. They offer courses in sports writing, sports broadcast and even online journalism. Springfield also makes sure that their sports journalism majors experience journalism from the best professionals with their extensive internship programs and field experiences. Aside from journalism, students are also exposed to liberal arts and humanities studies.

An exciting career awaits the sports journalism enthusiast who enrolls with these top-caliber schools. They can get the education they crave together with the real-life experience. These schools are staffed with professionals from the industry who can teach and guide students to become highly qualified journalists.

Go ahead and check out these schools now. Get to know more about their sports journalism program and find out for yourself what makes them the best sports journalism schools in the US.


For more tips, guides and information on education and other related matters, come visit CollegeRag.net. You will find a plethora of useful information that will guide you towards a promising future.
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What are the Benefits of a Montessori Education?

Posted on Feb 2, 2014 with No comments

Feb 2, 2014

Montessori education As a child reaches toddler age, many parents begin to research preschool options. There are many different options available for preschool that provide educational opportunities based on various learning methods. One method that is gaining in popularity is the Montessori Method. This method was created by Maria Montessori based on her observations of children in various settings.

The method is one that has been integrated into many different preschool systems. However, most parents do not have any idea as to what this means exactly. How can the educational method benefit a child? It is important to understand the basic benefits to know if the Montessori Method will help your child. This way, you can feel comfortable about enrolling the child. Below are a few benefits of what the method can provide a child.

Focus on Developmental Milestones


This curriculum focuses heavily on developmental milestones. Children from the age of three to five have certain milestones that are to be reached to help with both large and small motor skills. For example, four year old needs to focus on fine motor skills while an older child would need to focus on social skills through field trips or special activities.

Child-Centered Learning


Students in the Montessori program will be immersed in a classroom that will provide opportunities for specific learning needs as well as focus on certain abilities. The classroom is set up to provide easy exploration and children have items and materials easily within reach. Furniture is also made at an appropriate size so children can feel comfortable.

Cooperative Play


Along with a functional classroom, the method teaches children to be cooperative and work together. Teachers do not overwhelm children with work, work, work. Children are encouraged to control their own learning. Children must work together to learn from the various stations located in the classroom. A sense of community is created as children learn respect for each other as well as how to work together.

Order Within the Classroom


A Montessori classroom consists of order. Every item is organized with easy access as well as planned activities. Students are taught to put items back in their place after the activity and play. This sense of order helps the child to move forward in learning processes with self-discipline as a key factor.

Self-Discipline the Natural Way


Children are given a sense of freedom with the Montessori method and it is with this freedom, children will be able to learn how to become self-disciplined. Children would be able to learn how to concentrate and learn how to self-control their actions.

Individualized Learning


With the Montessori Method, children are encouraged to learn at their own pace. In other curriculum's, children must learn how to adapt at the pace of the group. In this manner, many children fall behind. With Montessori, children are able to learn at their own pace, which encourages a child to learn more and challenge themselves. Children are comfortable with the pace of learning and are able to succeed.

Hands-On Learning


This method also teaches children how to learn in a hands-on environment. Children are given concrete learning materials so they can understand visually as well as mentally. Children will learn in areas of language, math and culture as well as practical means via hands-on experience. Children are encouraged to concentrate on the task at hand to be able to focus and master the project or activity.

These are just a few of the benefits that can be found with a Montessori education. Parents should contact their local Montessori preschool providers for an inside look and interview to see what the school can provide their child.
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What is an Oncologist Salary and Career Outlook?

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If you are in the medical field, oncology is one of the most popular specializations. An oncologist's salary is becoming more and more competitive as years go by. Cancer is becoming rampant and society needs more oncologists. The disease can be quite a challenge, but an oncologist salary is definitely worth it.

What is Oncology?


Oncology is basically a medical area that focuses on cancer treatment. Most hospitals have an Oncology Department. This section handles everything about the disease and treatment of the patients.

Who is an Oncologist?


Oncologists are physicians who specialize in the treatment of cancer. They can diagnose and plan out treatment for cancer patients. These medications include chemotherapy, radiation therapy, surgery and palliative care.

Becoming an Oncologist


There are many stages before you become an oncologist. It takes many years of study to specialize in cancer treatment. Nevertheless, oncologist salary is competitive enough to compensate for your hard work. It is necessary that oncologists learn all about cancer and treatment methods.

An Oncologist need to take a four-year course in biology or other field of science. This is the springboard to the residency program where the oncologist salary is just at a regular rate. After four years in the residency program, they will have a hands-on experience in handling cancer cases. They are assigned in shifts to cover different cases thereby, helping them identify what they want to focus on.

Professional Development


Oncologist salary increases as they improve their skills. One way to do this is to undergo professional development. Oncologists have to be updated with the new trends of cancer treatment. Attending conferences in oncology are a good way to meet other professionals in the field. It is also a learning experience for oncologists as they listen to recent researches and studies about cancer. Oncologists can further add credibility to their name by being a member of a professional organization.

Different Types of Oncologist


There are different types of oncologist. You can choose one depending on your area of interest. Oncologist salary also varies for each field of expertise.

1. Medical Oncologist - Medical oncologists are the most common type of oncologist. You may consult a medical oncologist if you are diagnosed with tumors, referred by a surgeon and is recommended to undergo chemotherapy.

2. Hematology Oncologist - This type of oncologist specializes in cancer of the blood like leukemia and sick cell anemia. If you are considering this field of expertise, physicians are required to study hematology and medical oncology.

3. Radiation Oncologist - This type of oncologist are those that implements radiation therapy, chemotherapy and other similar tasks of medical oncologist but is more oriented towards cancer treatment.

4. Surgical Oncologist - Surgical oncologists are expert in removing tumors that cause cancer. Surgical oncologists are initially general surgeons that have further training in oncology and in operating cancerous tumors.

5. Gynecological Oncologist – Women usually consult with this type of oncologist. Gynecological oncologist specializes in the cancer and treatment of the female reproductive system. This includes ovarian cancer, cervical cancer, and uterine cancer.

6. Pediatric Oncologist – There are children who develop cancer even when they are under 18 years of age. So, they are referred to the pediatric oncologist.

Oncologist Salary


The Oncologist salary, based on the US Salary Statistics, ranges from $57, 000 to 220, 000 per year. The difference is based on the areas of specialization, geographical location, type of employer and hospital facility. Oncologist salary is one of the highest compensation especially for those who can diagnose and facilitate treatment of cancer.

Oncology Career Outlook


In a research published in the American Society of Clinical Oncology, results showed that oncology services will continue to increase due to the growth in population and percentage of cancer patients. Old timers in the field also need to retire and a new breed of experts has to be employed. A 48% increase in job opportunities is foreseen until 2020. This also means higher oncology salary bracket for the new doctors.

The greater demand for oncologists also calls for a revision in the policies regarding medical practice. This will hopefully answer the needs of cancer patients. If cancer patients will continuously increase, more oncologists are needed to ensure full treatment. As experts in cancer widen their specialization, the oncologist salary will definitely increase to compensate for the challenges in the medical practice.
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Things Worth Spending on for Your Health

Posted on Jan 28, 2014 with No comments

Jan 28, 2014

Your health has a value that’s impossible to put a monetary figure upon, after all, without your health what exactly do you have to look forward to in life? With that consideration in mind, just how much are you spending on your health and are you spending it in the right places?

Health insurance


If you’re not in possession of at least a rudimentary health insurance policy then that’s something you need to address right now. Possessing health insurance not only enables you to access treatment when you’re ill or injured, not to mention access better quality medical treatment, it also enables you to access preventative healthcare which is essential for maintaining a good standard of health.

Common examples of preventative healthcare include pap smear tests for women, prostate cancer checks for men as well as vaccines for children, all of which are essential for maintaining good personal health now and throughout one’s life.

Fitness center or gym


When inquiring about health insurance policies don’t forget to ask about discounted fitness center gym membership. Many health care providers offer discounted membership to their customers because of the benefits afforded to both parties – the customer, who enjoys better health, and the insurer, who has less to pay for the customer’s healthcare needs.

Even if you don’t receive discounted membership from your healthcare provider you’ll still find the cost of membership to be worthwhile in many ways, and not only where your general fitness and health is concerned, but also with regard to your appearance, after all, regular exercise is necessary for maintaining a slim figure.

Boot or fitness camps


Although you might already have a membership at a local fitness center or gym, don’t overlook just how beneficial or how much fun joining boot camps or fitness camps can be, especially for women who feel uncomfortable exercising around or with the opposite sex.

Boot and fitness camps are held regularly in many cities and towns, as well as in exotic locations which enable women to combine a holiday in the sun with an intensive exercise regime that really burns calories, one that also educates them as to how to exercise anywhere they please without the need for expensive exercise machines and equipment.

Home exercise equipment


For those with busy lifestyles that prevent them from making it to the fitness center or gym as often as they’d like, investing in a few simple pieces of home exercise equipment, provided they've the space required, proves extremely advantageous.

There’s no need to go all out here by buying expensive equipment, look in your local classifieds or on Craig’s List and similar websites and you should be able to pick up an exercise bike or treadmill cheaply, or if you’re more interested in strength training, then a bench and some free weights.

Vitamins, minerals and supplements


Even though you might have an excellent diet that includes all the essential food groups in the right amounts, there’s still a good chance that you’re in need of vitamins, minerals and supplements.

A good multivitamin is advisable for all people regardless of how good their diet is, as is increasing the amount of fiber you receive from your current diet by taking products like wheat bran or wheat germ which are not only easy to add to meals when cooking – substitute breadcrumbs for wheat bran when making burgers and taste the difference – but also incredibly affordable.

You don’t have to allocate a grand budget or spend a great deal on your health, though you do need to take it into consideration and spend money in the right places.
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Credit Card Perks You Might Not Know About

Posted on Jan 16, 2014 with No comments

Jan 16, 2014

Many consumers use their plastic on a daily basis, but how many are aware of the perks their credit card provider has made available? The answer to that question is surprisingly few, though due to the sheer number of perks many credit card providers are offering, it’s worth while finding out what you’re entitled to and that’s often a simple case of visiting their website to find out more.

Extended warranty coverage


This is one of the most common perks of credit card purchases because most credit card providers offer it. When you buy an item, for example an electrical good, it comes with a one or two year warranty; however, if you pay for it with plastic you get an additional year’s warranty. Save your receipts and warranties and file them together just in case you need them.

Security from unauthorized purchases


By law, all credit card companies must cover unauthorized usage of their cards and your maximum liability for unauthorized use of your card is $50. This means that if your card is lost or stolen before you report it missing you could be charged $50. This is a very small fee in comparison to how much you could be hit with if someone stole your card and went shopping.

Price protection


This is different from purchase protection – purchase protection protects you from theft or accidental damage for a period of up to 90 days – and involves a refund of the difference between the price you paid for an item you purchased and the discounted price if the retailer discounts the item afterwards, usually 60 or 90 days after the purchase.

Travel insurance


Depending on your credit card provider there are a number of travel insurance policies that you could be covered for, including travel accident insurance, lost luggage insurance, trip cancellation insurance and travel emergency insurance. This is something to check before your next holiday, provided that you buy the airfares with your credit card, because taking out a travel insurance policy could prove superfluous if you’re already covered.

Presale tickets


This is a perk that many people would be interested in, especially music and sports fans. This perk takes the form of preferred ticket programs where seats have been set aside specifically for credit card holders and often come on sale before they’re available to the general public. If you attend concerts or sporting events regularly, visit your credit card provider’s website or give them a call to find out more.

Rental car insurance


Many travelers have enjoyed the benefits of this perk whilst travelling. This perk can enable you to say ‘no’ to any damage waiver the rental agency tries to sell you though you have to be aware of the limitations here, which unfortunately for some cardholders, excludes business traversals from enjoying this perk.

Roadside assistance


The ‘American Express Roadside Assistance Anywhere’ is a notable example of roadside assistance provided free of charge to cardholders and many other credit card companies offer similar assistance. This differs from rental car insurance so make sure certain you’re covered before making the call!

Whilst your current credit card provider mightn't offer all these perks there’s a good chance that out of the seven discussed here they offer at least the first four – extended warranty coverage, security from unauthorized transactions, price protection and travel insurance – because these have become the norm with most Visa credit cards from issuers around the world. To reiterate, if you’re not sure as to what the perks with your particular card are, pay a visit to your credit card provider’s website to find out.
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Can College Students Take Out Personal Loans?

Posted on Jan 12, 2014 with No comments

Jan 12, 2014

Yes, it is possible for college students to take out personal loans but they must have a means of comfortably repaying them and adequate proof of this. Many part time jobs that college students commonly work at whilst at college are cash in hand jobs, they’re unreported – there might not even be a need to pay tax due to tax free thresholds and other considerations – and their earnings often aren’t deposited in bank accounts. This is, for many college students, what prevents them from successfully applying for small personal loans, but there are a few ways to deal with this.

File a tax return


No one wants to pay tax, however, if you want to boost your chances of successfully applying for a personal loan you might find you need to file a tax return to have some proof of your earnings on hand when applying. Take a look at what the tax free threshold is for the amount of money you earn – if you’re working part time there’s a good chance that you won’t need to pay any tax on your earnings anyway and you’ll have some evidence of your earnings to show when applying for a personal loan.

Bank your earnings


An excellent way to prove how much money you have coming in is to bank your earnings if you get paid in cash. By banking what you get paid in cash you’ll have solid evidence of your earnings and this will prove extremely beneficial when applying for a personal loan now, and later in life when you look at applying for large loans like mortgages. What’s more, banking your earnings is also much safer than stashing your savings under the mattress or in a cookie jar.

Look for alternatives


There are a few alternatives to personal and student loans, like grants and scholarships for example. Whilst scholarships you’ll need to arrange prior to starting college – you should start applying before you complete your senior year – there are always grants to apply for and successfully applying for a grant could help you to avoid having to borrow whilst at college.

Take a look at websites like collegescholarship.org, fastweb.com and studentscholarshipsearch.com, you might find you have some excellent options that could see you getting a slice of that ‘free money’ which, according to Sallie Mae’s ‘How America Pays for College’ 2013 report, pays for 30 percent of US college costs.

Online loans


Many students have found success applying for online personal loans because the application process is often less stringent than that of banks. What’s more, most ‘online lenders’ also make available bad credit loans so they place less emphasis on possessing an excellent credit rating, which as a young person in college, it’s unlikely that you have.

There are a few things to take note of when applying for loans of this nature, most notably the interest rate applied to the loan, the Annual Percentage Rate. You don’t need to be earning a degree in algebra or mathematics to understand that the higher the APR is the more you’ll have to repay, so look around for an online lender that offers competitive interest rates, and make sure you understand the fee and charge structure as well, this is very important to take note of.

There’s often much to take into account when applying for personal loans and finance as a college student, however, provided that you’re able to prove your earnings and show that you can repay what you borrow – think about filing tax returns and banking your savings – you shouldn’t experience any problems borrowing whilst at college.
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