5 Ways to Earn Your College Education With Less College Student Credit Card Debt

If college students could have one wish it might be to receive a good college education without having to spend the next twenty years paying off massive student loans and college student credit card debt.

“Genie, grant me my wish.” Poof. What college student credit card debt?

Dear Aladdin wannabe’s, if only it were that easy! The truth is you can earn a great college education with less college student credit card debt. It takes a little money management savvy and an increasingly un-American concept called self-control.

“There are more money issues for today’s students than in any other generation before them,” says Todd Romer, executive director of Young Money Magazine.

From the rising cost of colleges to luxuries like cell phones and high-end dining establishments that are popping up all around college campuses, you may find yourself graduating into college student credit card debt hell by the time you’re twenty-two years old. And all you truly wanted was a debt-free college education!

If you’re looking to stress less about money and be proactive about college student credit card debt, give the following tips a try:

1. Use credit cards sparingly.

The average credit card debt owed by college students is about $2,700, with close to a quarter of students owing more than $3,000. About 10 percent owed more than $7,000! That’s not even including student loans.

“Getting a credit card is not a bad idea,” says Romer. According to a recent study of student loan applicants conducted by Nellie Mae, a leading provider of higher education loans, 78 percent of all college students today have at least one credit card. That being said, Romer advises that college students keep your credit card in the deepest part of your wallet to use for emergencies and/or large purchases that you know you will pay back within thirty days.

Have a tendency to use credit cards as, say, gift cards? Romer suggests that college students call their credit card company and ask them to put a $500 max on the card. Also have them not change the limit until you are the one who communicates to them that you want to increase your credit limit. “Until you become more responsible, and that just evolves over time, have a third-party reign in on your spending,” adds Romer.

But how can you earn a college education minus college student credit card debt when some colleges and universities form multi-million dollar partnerships with credit issuers and give them the go ahead to solicit students right on campus? “If you see a Bank One credit card table showing up at your school in the student union once a week, just realize that you don’t have to participate in the promotion on campus,” says Romer. “Treat it like anything else you’re going to be tempted with in this world. Be smart about what you get involved with.”

2. Start a budget (ahem) weekly spending plan.

Yeah, a weekly spending plan is a sneaky euphemism for a budget, …

How to Put an Army IRR Packet Together

Packet requirements, what you need to include in your IRR packet:

1. IRR packet checklist, based on Figure B-59 of USAR Pamphlet 600-5.

2. DA Form 4561, Request for Reserve Component Assignment or Attachment. Completely filled and signed by the Soldier and the Commander.

3. Your statement/justification letter and backing documentation. This is based on the reasons listed in AR 140-10.

4. Chain of Command Recommendation.

5. Cogent Personal Reason. If the specific reason isn’t listed in AR 140-10, it requires an exception to policy by your OFTS.

6. Counseling Statement (DA Form 4856). This is from the commander to the Soldier and is face to face. Are you in receipt of a bonus? This counseling statement must warn you about bonus termination or recoupment.

7. Counseling Statement (DA Form 4856). From the Soldier’s servicing career counselor to the Soldier; it’s also face to face.

Valid reasons for transferring from the Troop Program Unit (TPU) to the Individual Ready Reserves (IRR):

As a TPU Soldier, you can forward an IRR transfer packet up the chain of command. There’s no guarantee for that packet’s approval, or for your transfer to the IRR.

If you want to improve your TPU to IRR transfer chances, refer to the valid reasons listed in AR 140 -10, Chapter 4, Paragraph 9. If you have enough documentations, and facts, to support one or more of these reasons, include them in your IRR packet. This’ll help you make your case for transferring to the IRR.

Employment Conflict:

Let’s say that your employer all of a sudden can’t release you from the work schedule so that you can drill… as your absence would cause an adverse impact on your employer’s operation. Before, this wasn’t an issue. Your employer released you for a weekend, and was able to continue his operation. When they couldn’t release you, you were able to reschedule.

Now? Your employer needs you, on the days you need to drill, in order for the company to continue on with its mission. Conditions had changed since you started working with this employer.

Or, you’re in a company that restructures and eliminates your job. They move you to another part of the company. In this new job, you’re on call to go to different parts of the country, and your schedule is random. You’re not able to do rescheduled training. Your employer can’t spare you for any reserve drill without negatively impacting company operations.

These are just two examples, of which there are many, on how your employment could evolve into something that makes it hard for you to meet TPU requirements.

In your Soldier’s Statement of Justification letter, provide an objective picture of how your employment schedule makes it impractical for you to continue with the TPU. Include statements from your employer to back this justification.

Change of address:

You accept a new job within your company. It’ll pay you more, it’s something that you love doing, and it represents a move up in your civilian career. …

Easy Kids Science Fair Project Idea and Demonstration

In this science project you will learn how to create a thermometer to measure heat.

This is an instrument used in various applications to measure temperature. Doctors use them to check our body heat and we use a gauge outside to see how cold or warm the weather is. In the United States we general use Fahrenheit to measure the temperature but you can also use Celsius. With Fahrenheit 32 degrees is freezing and 0 degrees is freezing with Celsius measurements.

Here is what you will need to get:

  • Water
  • Alcohol (rubbing alcohol – DO NOT DRINK)
  • Clear plastic bottle. Use a common water bottle which is empty
  • Food color
  • Straw
  • Play dough

Instructions to make this equipment:

  1. Mix equal parts of the water and alcohol together to make about c cup. This means you will need 1/8 cup of water and 1/8 cup of alcohol. Do not make more than this amount.
  2. Pour the liquid into the plastic bottle.
  3. Put a few drops of food coloring into the bottle. This will be your measure for the thermometer so make it interesting. A normal gauge uses red as its color because it stands out so if you want it to look traditional use a red food color.
  4. Mix the color with the liquid until blended.
  5. Insert the straw through the opening but do not let it touch the bottom of the bottle. The bottom of the straw should sit in the liquid but not touch the bottom.
  6. Use the play dough or clay and put it around the mouth of the bottle securing the straw in place. You can actually wrap the dough around the lip a little to make sure it seals the bottle and holds the straw where it should be.
  7. DO NOT DRINK THIS!

Now warm your hands up by rubbing them together quickly and then place them around the bottle. Hold them on the bottle and watch the straw in your thermometer rise.

Congratulations! You just made a thermometer and it is showing the heat created by holding your hands on the bottle.With a thermometer when the solution inside gets warm it expands and pushes the mixture up the opening because it no longer fits in the bottom of your plastic container . If your mixture would get very hot the alcohol would end up spilling out the stop of the straw.

Leave your thermometer on a counter and watch it through the day and over a week time period to graph how it changes. Does it go up if the bottle is placed in the sun? What happens when it is shaded? Now this will not show the exact temperature outside but it does show change in warmth and coolness by the expansion of the mixture.

When finished with your product. Make sure to have your parents dispose of the material in a proper place and you will have to throw away the bottle. It can not be used for anything else. Enjoy this science …

Elementary Education Degrees Obtained Online

There are a lot of people who want to become an elementary teacher. When it comes to traditional ways, to become one you need to enroll in some college or universities. But not all are able to enroll because of a busy schedule or geographical factor and other commitments. Now, individuals are able to get a degree to teach in elementary school online. Elementary education degrees attained online are now becoming more and more popular today. This has been achieved through the help of the Internet and several communication tools online which makes it easier for a student to communicate across the world.

This method of getting an elementary degree online is also known as distance learning. There are several advantages when taking up a degree online which are:

  1. Convenience: You are not required to be present at school and you choose the time to start your school. This means that you can still have other commitments like a regular job and then go to school at your free time.
  2. Different programs and online schools to choose from: It is easy to find a program that fits you because you can use the Internet to do so. Different colleges and universities from around the world have come up with different programs to fit the needs of different individuals.
  3. Much cheaper: This is because you do not need to relocate just to attend school and you can take your class at the comfort of your home. The tuition fee is also said to be lesser. Also, you do not have to eat outside or rent an apartment because all you need is a reliable Internet connection.

Alongside its advantages it also has its disadvantages which are:

  1. Less interaction with other students or professionals: Being a teacher requires you to have an excellent communication skill. This will limit an individual from practicing his communication skills and interaction with other students or professors online is very minimal.
  2. Some elementary schools may not acknowledge you as an elementary teacher because of the way you have obtained your elementary education degree. Though, since online school is becoming more and more popular, elementary schools are becoming aware of it and gradually accepting them.

One of the requirements to get bachelor degree in elementary education is to acquire an Associate of Arts degree. Then after taking it up you will continue your studies to acquire a Bachelor of Arts in Elementary Education. Then after finishing up your Bachelors degree then you can take up your master’s degree. Having a master’s degree will provide you with more career opportunities.

You can do all this by taking your elementary education degrees online. Though, not everything can be learned in an online school. There might be subjects or courses that are not offered online so you must take it in a certain college or university. But nonetheless since this method of attaining an education degree is becoming more and more popular there will come a time that they will offer …

Things You Should Know About a Nursing Career

Nurses are in the business of saving lives. Although they do not perform surgery, they work hand in hand with doctors and other experts so that the patient may recover. Sadly, there is a shortage of such professionals in the industry. If you do not know yet what you want to do with your life, maybe the information provided here will make you considering nursing as a possible career choice.

Anyone who wants to start a career in nursing must at least be a high school graduate with good academic standings. He or she must also have a sufficient score in the SAT and the nursing entrance exam.

There are over 1,500 nursing programs currently available and there are three types that will enable the student to start their nursing career. There is the Bachelor of Science in Nursing that is a 4 year course, the Associate Degree in Nursing and the Hospital Diploma both of which are 2 year courses.

Aside from working in the hospital, you will have the opportunity to find work in other places such as schools, correctional facilities, research labs, private companies, health care centers and private homes.

A full time employed resident nurse makes about $ 46,800 annually while staff nurses make about $ 42,100. This is not that bad when you are working in an entry level position. If you decide to pursue advanced studies later on like a masters or a doctor degree, you can expect to earn around $ 61,000 to $ 63,550.

There are approximately 2.7 million licensed registered nurses in the US and majority of them are women. Men only represent 5.4% of the total population but in the US military, 33% of them are men.

The environment where nurses work is usually well lighted and clean. Most of your time will be spending bending, stretching, standing and walking. You will work not only on the dayshift but also on a nightshift including weekends and holidays. You may be on call on short notice if there is a need for additional manpower to help out in the hospital.

You have the option to work as a full time or part time nurse. In 2006, 21% of registered nurses worked part time as some held another job.

Despite the clean environment, sometimes nurseries are preceded to hazards. These include coming into contact with patients that are afflicted with infectious diseases and need harmful, hazardous or toxic medication in order to recover. This can be preceded of course by wearing the proper gear and equipment.

Accidents also happen at the workplace such as accidental needle sticks, chemical spills that are used to sterilize equipment and radiation. But nurses are very vulnerable to back injuries, gases and shocks from electrical equipment.

Since nurses are only human, they may also suffer from emotional strain from caring for patients that are suffering from unrelieved intense pain, personal contact with the patient's family, the need to make critical decisions as well as ethical dilemmas.

This …

Cricket As Career Option For Youth

Some youth may be too keen on the game of cricket to take their studies seriously. They may believe that going to school is a chore they can do without. Their mind may be on taking the game of cricket as a career option. But can a career be made out of a game where people use long bats to knock around a small ball thrown from the opposite end of long playing area? Can someone live on a sport, which many believe does not have the widespread popularity of games such as soccer, lawn tennis, and basketball? Stories from newspapers, the internet, radio, television, and other elements of the mass media say that the game of cricket can be taken as a good career option for the youth. If you love the game, the mass media looks to say, and you are not just in it to earn a few millions, anything is possible. Here are a few facts to show that those in the mass media might not be wrong.

EARNINGS

During the recent IPL bidding for new cricketers in India, crores of rupees were handed over to many young players in deals to integrate them into the professional world of cricketing. For those of them, who won the under 19 world cup for India, they earned as much as 15 LAKH rupees. The reason for this treatment of the young players is that every win makes the game of cricket to become irresistible and encouragements companies, individuals, and government to invest in the game. With more success and experience, the young players who got deals at the IPL bidding will get much more when the next bidding takes place.

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Cricket players do not earn money alone from their statutory wages. They get a lot more from opportunities such as advertisements and endorsements, especially when they become successful at international cricket series and become brands. When they perform brilliantly at series against top notch cricket countries such as Sri Lanka, England, Australia, and the West Indies, their reputation rises and they become national icons. This enables them to negotiate lucrative transactions through advertisement and endorsements. Dhoni, Yuvrag, Sachin, top notch players in the Indian game, are examples of cricket players in this category. They earn so much money from out-of-the-field activities that they make the game to be lucrative.

OPPORTUNITIES

Due to the exploits of India at the 20-20 world cup and the under 19 world cup, the IPL and the ICL have decided to increase the intake of new players so that more talents can be discovered to become instrumental to India to continue to be outstanding in the world of international cricket. There is no doubt that the increased opportunities for youths will lead to better deals and more money.

PARTING SHOT

To succeed in cricket, youths must have passion for the game. They must not believe they can be successful if they do not have strong interest in it. If they are convinced that …

Careers With a Property Management Degree

Gone are the days when you could learn the tricks of your trade through sweat, toil, and practical experience alone. Today your prospective clients and associates are savvy, knowledgeable, and often quick to find fault, thanks to the vast amount of information littered across the Internet. This can mean they have greater expectations than ever before. It's true for pretty much every field and industry, but applies specifically to real estate or property management. Sure, time will eventually teach you all you need to know, but do you really want to wait for a few decades before you get the knowledge you need to start bringing in the big bucks? Of course not!

Education can factor into this in a big way; you can learn from the experience and research of others, apply it to your profession, and earn a stamped, sealed document testifying to your expertise in the subject. While there are a few certificates that you can get, you may have realized on your own that these are usually a dime-a-dozen. A good investment could be a property management degree from an accredited, reputable college.

A property management degree can give you the instruction, training, and credentials you need to pursue work in various capacities, such as a personal property professional, bookkeeper, clerkical assistant, etc. You can choose to pursue either a Bachelor's or an Associate's in Property Management, depending on the amount of time and money you can invest into the degree.

You can enter this profession by learning a business administration degree with an emphasis on property management. This degree will give you a greater span of capabilities, ranging from accounting, marketing, finance, human resources, sales, and organizational development in addition to the property management courses. This integrated program can give you the credentials, experience, and capability to qualify for employment in various sectors in the corporate world. Furthermore, you can develop a greater depth of knowledge in the field of property management.

The business degree with an emphasis on property management is offered both at the bachelor's and associate's level. No matter which degree you pursue, make sure that it is from an accredited and reputable college, or your time, effort, and money will be squandered for no good reason.

In order to make sure you're one step ahead of your clients and are aware of everything to do with your trade, ranging from the market condition to the various legalities and rules, consider investing in a degree in property management. Not only can it help you perform in your professional role better, but the stamp of a college degree can give your prospective clients, employers, and associates a greater sense of confidence in your abilities. …

Scholarships for Education Advance for Military Spouses

The military spouse schools are designed to offer wives of husbands of military personnel the chance to attend college or other further education establishment in order to get some qualifications. These scholarships allow the men and women study while their spouse is working within the military. These scholarships are basically free money that can be used on costs that are related to education.

Attending an education establishment can be very costly. The tuition fees are very high and in a lot of cases they can be thousands of dollars every month. On top of the tuitions fees students would also have other expenses such as transportation, computer and special software, books and other study materials.

These are only a few of the things that are involved within studying higher education. The military spouse scholarships will allow you to get ten thousand American dollars toward the expenses. These scholarships are not a loan and therefore they do not need to be repaid.

It is possible to massively reduce the costs associated with getting a degree if you apply for an online course. A lot of universities now offer online courses and they will send all the materials out via the post. When you are doing an online degree the studying can be done in your own time so its up to you then to schedule the required time. Another advantage of doing the course online is that you will not need to travel to university therefore geographical location is not important. …

Further Education Jobs

Education jobs are numerous. Of course, there are those which are solely focused on teaching. There are many educational institutions offering from preschool to post graduate education which constantly hire professional teachers. They alone provide thousands of education jobs for those with degrees in education.

However, there are further education jobs out there which are not limited to teaching. For starters, there are administrative education jobs you can apply to. If you don’t like teaching kids and grown ups, you can always apply for administrative positions like being a dean, principal or department head. Your main focus will be the supervision of the overall function of the institution. You’ll be in charge of educational programs and supervising the faculty and see to it that they’re doing their responsibilities according to standards.

Another interesting job in line with education is that of a registrar and cashier. You don’t need to have an education degree to apply for such positions. A degree in accounting or commerce is enough. As a registrar, you’ll be in charge of the records of all students. On the other hand, being a cashier entails responsibilities such as organizing all accounts including payments of students and salaries of teachers.

If you’re a bookworm, you’ll find the job as librarian very enjoyable. Most educational institutions prefer licensed librarians to work for them but for small schools, a degree in education is enough. In addition, you have to be extremely organized and strict when it comes to the policies of the library in case of borrowing and using of books and other resource materials.

Being a guidance counselor is one of the most challenging education jobs out there. You need to have a degree in psychology to get into this job since it’s very sensitive. You’ll be dealing with students of all ages and from different backgrounds. Oftentimes, you have to help students deal with their problems, decision-making, and preparing them in choosing their desired careers in life.

Just so you know there are also education jobs you can now find online. Many online education portals are looking for tutors to teach English as a Second Language to non-native speakers. You can earn extra money by simply teaching English to foreigners for a few hours everyday or by helping kids with their homework. Not only that, but you can also help others publish eBooks, write articles, and maintain blogs.

Education jobs are varied that even if you don’t have a degree in education, you have a big chance of getting in. You can earn a reasonable salary as a full time employee and earn extra cash at the same time working online or after school hours.…

Engineering Continuing Education – What Is the Future of Engineering?

With the current down turn in the economy many engineers have loss their jobs or worried that they maybe losing their job soon. Budget constraints both in the public and private sector are forcing to think about how secure the jobs really are. But as we all know this recession will not last forever. Sooner or later the promised recovery will begin. The question is what engineering will benefit from the renewed economy and which ones will not fair so well? There is no real crystal ball, but there are clear indicators that every engineer should be aware of and make preparations accordingly.

Engineers will need to continue their education to stay up with the latest technologies to offer their clients the best solutions. Most of the State Licensing Boards require Professional Engineers to renew their professional licenses periodically with a minimum number of continuing education units. These units are usually Professional Development Hours (PDH) or Continuing Education Units (CEU). One PDH is equivalent to one hour of course education, and one CEU is equivalent to ten PDH or ten hours of course education. Some may find that their profession is not growing or trailing behind may need to change careers or strength their technical knowledge.

One of the best indicators of upcoming markets is to know what the baby boomer generation needs and wants. The baby boomers, the individuals born between 1945 and 1964, are now approaching retirement age. Many will be retiring and will require some medical and health assistance. They will also want medication to appear young as long as possible. Obviously fields that support this industry will do very well. The most likely profession to benefit is Biomedical Engineers. They are necessary to improve new medical devices and equipment. In addition, new facilities will be required for the aging population. Independent Living Facilities and senior communities will rise in demand. This will definitely improve prospects for Civil and Mechanical Engineers.

Another field that will continue to have a high demand for engineers is the environmental fields, which includes new green products, renewable energy, water resources, and waste-water management. The United States will continue to encourage renewable energy including wind and solar power with government grants and other types of funding. These projects will generate numerous jobs for many different professions. As the population continues to expand a greater demand will be placed on housing and our water resources and waste-water management. These increased demands will increase jobs for Electrical, Mechanical, Civil and Environmental Engineers.

Due to the increasing population and aging facilities, the government will also need to expand and improve the country’s infrastructure. Roads, bridges, dams, railways, airports, and utilities throughout the country will need greater attention. These improvements will also increase the demand for Civil Engineers.

According to the United States Bureau of Labor Statistics, “Occupational Outlook Handbook”, 2010-11 Edition, over the next decade, 2008 to 2018, the engineering field should grow by 11%. In 2008 engineers held 1.6 million jobs in the United …