Student Plans – Health Insurance for College Students

Most colleges require students to carry health insurance, though plan requirements vary from college to college and university to university. Most schools offer health insurance plans to its students, which can be waived if the student is covered under a family plan, or under a parent or guardian’s insurance plan. Student plans are known as SHIP, Student Health Insurance Plans. For students enrolled in a health insurance plan through their university or college, the premiums are often part of the school fees and tuition costs. Some college student plans require visits to the school’s health center and does not allow students the choice to see their own physician.

A student plan typically covers trips to the college or university’s health center, prescription medication, checkups, and will sometimes cover appointments with specialists. A copayment or deductible may be required for emergency room visits, if covered at all. Each plan is different and each school has different plans. Research the plans available at the school of choice prior to enrollment. A student may also benefit from looking at student plans from private insurance providers outside of school. Since health insurance rates and premiums are competitive, it is well worth it to shop around and research plans.

In addition to a SHIP plan, more coverage options may be attainable through additional voluntary student plans. These voluntary plans may allow the student to see doctors other than the ones at the student health center or go outside the network. A voluntary plan may also provide the student with the ability to receive health care from specialists and may provide additional medication coverage as well as dental and vision coverage. This is a great option for students that have monthly prescriptions or conditions that may require visits to a specialist.

Students entering college are required to have a medical checkup and have several vaccinations. With these medical costs that are incurred before school even starts, it is a good idea to have student coverage health insurance prior to starting college. International students with a J-1 exchange visitor visa are required to have student health insurance as well, per the U.S. Department of State. An international student should choose a student plan that also includes medical evaluation insurance, health and accident coverage, and repatriation of remains. The basic plans offered by universities and colleges will cove basic medical needs and medications, but more extensive coverage can be obtained from other student plans.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance.…

Online MBA Degrees – A Guide

If you are looking for a kick-start to your career or planning your future prospects, chances are that you might be considering an MBA degree. Whether you need to improve your learning potential or choose a challenging career that will keep you excited over the years, an MBA is the right choice. But for many, pursuing an MBA degree might not be possible due to lack of time, other commitments or even financial constraints. As a solution to all these problems, an online MBA program is your best bet. An online MBA degree will allow you to study at your own time and pace, work part or full time through the program, earn while you learn and is also reliably cheaper than other traditional MBA courses available. All you need is a computer and an Internet connection and you are ready to begin.

But, you will soon realize that there are several online degree programs available and choosing the correct one for you can be quite a tricky process. There are certain things you must check out before enrolling for an online MBA program and these include:

o Will future employees accept your online degree program? An online MBA will only be accepted if it is earned from a college or institution that is accredited by the required agencies. Only if the school is accredited, will the degree count for anything in the job market. Be careful of fly by night schools that promise you a degree without any effort or at extremely low fees. Always verify the program before signing up for any course.

o What is the student support available by the online school? Contact the admissions office to find out what contact channels are available to online students. Does the college offer only email communication or provide for forums, chat rooms and online tutorials? Are there professional advisors available for online students? Will the financial aid office of the college extend its support to online students as well?

o What are the means of imparting education with regards to a particular online degree program? You need to check how the school will deliver the lessons and whether the course material is available 24/7 to you online. This is especially important if you are planning to work and study simultaneously. If there is a facility to interact with other students and faculty online, getting an online degree will be made easier.

o What is the cost of the online MBA degree? You need to check on regular tuition fees along with possible extra charges such as examination fees, special tutorials, library fees, etc. In this way you can make a budget for your education and look at aid options or cheaper alternatives in case the costs are too prohibitive. If you are working and completing your MBA at the same time, your employer may defray a portion of your fees. The cost of tuition for online MBA programs varies from college to college so shop around before making …

Science is Admitting When You Are Wrong

Have you ever noticed that folks get amnesia; it includes you and me,

when we have to say, the results are in, and I was wrong.

Neuroscientists go against type (Homo sapiens), and immediately publish

to the world when their research indicates they are on the wrong side

of the issue.

It does not matter how ancient and venerated the principle, these guys

find the biggest and baddest Journal and go public with the new findings faulting

their previous thinking.

It occurred recently for the treatment for ulcers, the two Australians got the Nobel. They were wrong about neurogenesis, growth of new brain cells, and neuroplasticity, changes in the function and structure of the brain.

Even the Federal Drug Administration admitted in 2007 some of their drug approvals were killing (heart attacks) the users.

For about three centuries the pro forma principle behind human decision-making, according to the international scientific community, was labeled cognitive, based on a reasoning Cost-Benefit-Analysis.

Philosophers and scientists agreed it separated us from other species, and played out in the advancements of western civilization. We think and act, and are not the puppets of our emotions and instincts.

Decision-Making

Professors Antonio and Hanna Damasio, in the year 2,000, while at the University of Iowa College of Medicine, published an article called Emotion, Decision Making and

the Orbitofrontal cortex.

They opposed the iconic vision of Homo sapiens as the embodiment of logic, reason and analysis, by what they called the Somatic Market Hypothesis. It is a fancy name

for adding your right-brain emotions and feelings to your left-brain reasoning skills.

The Damasios go on to propose emotions are represented by changes in your body state. For the geniuses: specifically two areas in your brain; your somatosensory cortex and your orbitofrontal cortex.

Who Cares

First, emotions and instincts occur through your right brain, and are at a non-conscious level (no awareness).

Second, your mental imagery is deeply involved in decision-making. When you

are beset by negative images, you decide differently than when your mental movies

are positive and offer successful reinforcement. Remember, images precede your

feelings and emotions, and result in different behaviors. Think about it.

One more once. Your orbitofrontal cortex is the basis of your reasoning,

logic and lineal Cost-Benefit Analysis. But it is only one piece of the jigsaw

puzzle.

Amygdala

It is your Amygdala, located in the Limbic system of your brain,

and responsible for your emotions and feelings, plus your somatosensory/insula

cortices,and peripheral nervous system, that are the other critical

structures for decision making. It is left and right brain integration.

When you say humans are reasoning creatures, I think, therefore I am, (according to Decartes), you quote the science of yesterday. The Damasios were the first to focused on the relationship between emotion, decision making and working memory.

They feared not the wrath of the scientific establishment in contradicting

the undisputed knowledge of a up to three centuries of science. They chose to destroy the myth of human cognition as the core …

College Consolidation Helpful Hints – Some Tips to Consolidating a Parent Plus Loan

College consolidation debt relief will mean the difference between financial success and financial failure for many students as they venture out into the real world after finishing school. This is because being able to refinance all of their school related debt will free up more money for them to do the things they love to do.

One of the debts that a lot of students want to include in the consolidation plan is the Parent Plus Loan. This loan is one that is essentially taken out by a student's parents and can be used for all types of school related expenses including tuition, books, and housing.

While a student will absolutely benefit from what the Parent Plus loan affords them, in the long run that student may not be able to include that loan as a part of their refinance. In reality, the Parent Plus loan is the responsibility of the parent and it will forever be linked to them.

The good news is that if a parent wants to consolidate their school loans they can do so and include the Parent Plus loan as a part of their overall college consolidation. One way to avoid this snafu is to look diligently for alternative forms of school financing that does not include receiving help from parents.

Many students forgo having to ask their folks to help pay for school by taking a break right after their senior year in high school to focus on working to save some money in order to get the ball rolling. This money-saving technique has saved many a student from that dreaded conversation with their parents.

Also something to consider, some parents just are not in the position to put their credit on the line for a Parent Plus loan. These are just a few of the things to think about when dealing with college consolidation and Parent Plus loans. …

How the Interactive Learning Guide Benefits an On – Line Education

It is said by Lester Thurow that "In the 21st century, the education and skills of the work will be the dominant competitive weapon". Today, Internet makes this dream come true. Yes, Internet plays the key role for a substantial revolution through the concept of On-Line Education. Interactive Learning Guide is delivered online through a Web-based learning system. This is clearly delivered over the Internet.

Interactive Learning Guide through On-line education is supporting learning to be available on a 24/7 clock and delivered from class to room anywhere …… office, home … at anytime. Interactive Learning Guide engages the learner and teacher in effective instructional communication without generating interactive interferences. The Interactive Learning Guide with the application of technology in education sparks thought to provide understanding of theories and applications for identifying alternative solutions. This converts the traditional static resources into interactive, interesting online modules for learners. Thus the acquaintance of knowledge is maximized through On-Line learning for students miles away.

Interactive Learning Guide facilitates to sustain the real time interaction of a classroom environment in many dimensions. Learners will have a solid foundation in up to date concepts and practices using audio and video cases, simulations techniques, and other game-based exercises. This technology sophistication generates connectivity in learning, and isolates stagnant forms of education. Here is an interactive learning guide that creates cooperative learning in-line education. This plays a critical role in re-building distance learning from the unexciting, mind-numbing old correspondence education to an effective, challenging and meaningful education. This makes the Interactive Learning Guide create an authentic On-Line Learning experience for students distance education programs.

With the help of Interactive Learning Guide the instructor without his physical presence and with the help of the most effective choice of media becomes a facilitator of learning. Exciting visuals with motion pictures, graphics, business interviews, view of retail outlets, components such as CEO's speeches, and working factories etc … makes On-Line Learning still more fascinating and attention grabbing. Students are presented quality information without privilege. The presence of these characteristics makes Interactive Learning Guide substantially stimulating and captivates the attention of On-Line Learners. The focus of an On-Line Education is not only learning but also retention of knowledge. The Interactive Learning Guide has been linked to better retention of the text resources with the help of visual aids both qualitatively and quantitatively, thus it stimulating an interest in the learning process.

Interactive Learning Guide in an On-Line Education makes ones learning experience the closest equivalent to the classroom experience with the presence of certain value added features. The integrated approach in Interactive Learning with the application of printed Learning Guide helps to meet the needs of the learner in a manner that is instructively effective and economically prudent. This kind of On-Line Education would even help E Learners to gain a second chance of college education and college experience. On-Line Learning would also travel miles to reach those who are disadvantaged by limited time, long commutes, or physically disabilities making learning …

Photo 101: Why You Should Choose an Online Education

Traditional universities and colleges are never going to disappear, however it's easy to see why more and more people are heading to cyberspace for their education. While online education requires students to be self-disciplines, organized and tech-savvy, it is possible for students to get a good education without ever setting foot in a traditional classroom.

Here are five reasons why you should consider an online education.

1. Flexibility

Taking online courses are great for people who need to work, but still want to earn a college degree. Online universities are flexible for students who have other commitments (like work or family). Students can 'attend' class while the kids are napping, on a lunch break or on the road for business. Online classes are great because you are not required to be in a classroom three nights a week at 6 pm sharp for the next 4 years of your life – but you can still get the same level of education. Do not be fooled, just because you do not have to go to class does not mean you do not have to work. You still have to do the work, you just get to decide when and where you do it.

2. Pace Yourself

Another advantage of online education is the ability for students to work at their own pace. E-learning generally focuses on student-centered learning, making it up to you to decide how you learn best. You can study at the same time each day for a set time, or you can use the course chat boards to talk to other students and your instructors. The chat boards are really nice for students who are timid and do not speak up in class. For some reason, it's easier to express yourself via chat.

3. Save Money

Most online education programs actually charge less than traditional universities. Take some time to look around the Internet and you'll discover online classes are inexpensive compared to regular college programs. Because online education is so much cheaper, when you finish your education you will not have to be laden with huge student loans like most college students. Getting an online education can actually save you lots of money.

4. No Commute

Not only can you save money in your coursework by pursuing an online education, you also save tons of money and hours driving yourself to and from school each day. One of the best things about online education is getting to learn from the comfort of your home – sweats and all. So, no more stressing about being to your 7 am class on time, instead, sleep in and study when you wake up. You'll also save money on eating out for those 'convenience meals,' childcare and gas. Paying your monthly Internet bill is a small price to pay for your college education.

5. Unlimited Options

There is nothing worse than decided more than anything I want to be (insert your dream profession here) when I grow up, then discovering your …

Career Change At 50 – Start Working From Home

Are you ready to retire, but can’t afford to stop working completely? Why not focus on changing your career instead? There are now many retired and semi-retired people who are earning the majority of their income online. Seniors are among the fastest growing demographic of people who want to work online from home. Whether you are just looking to supplement your retirement income or are looking to earn a full paycheck, there are opportunities available for you to make a career change at 50 and do just that all without getting out of your pajamas.

Writer

Do you enjoy writing? If so, there are lots of online opportunities waiting just for you. The demand for well-written original content increases all of the time so there are all kinds of different writing jobs that you can find. The prices paid for quality content articles by website owners, magazines, etc that I’ve seen range from $50 – $1000 per article and mostly for 1000 words or less.

TextBroker

TextBroker has a wide variety of writing assignments for you to choose from and they will hire writers with no previous experience. Your rate of pay will be determined by the quality of your work. There are always plenty of jobs to choose from and you can work as much or as little as you like.

Blogmutt

Blogmutt hires freelance writers to write original content for their customers. Customers usually consist of blog owners or businesses who need content for their site but don’t have time to produce it themselves. Pay depends on how many posts you sell, and the better your writing is, the more money you can make. Payment is made once a week via PayPal and there is no minimum payout to meet.

Demand Studios

Demand studios hires writers to write articles for their clients on a wide variety of topics. You can pick topics that sound like they will be interesting to you or topics that you already know a lot about. You get paid $7.50 for a 150-200 word article and $15 for a 400-500 word article. Payments are made twice weekly.

If you prefer editing over writing, there are still plenty of online jobs available for you.

EditFast

EditFast hires writers and editors for a variety of jobs, and there are plenty of editing and proof reading jobs available. EditFast pays via PayPal on the last day of the month.

Contena

Contena is not a company that hires you for writing or editing work, but it finds the jobs for you. You can join the Contena site and find jobs for writers, editors, and proof readers of all skill levels. Pay will depend on the client that you are working for and the services that are ordered.

Do you like the idea of jury duty, but don’t really enjoy the idea of sitting in a stuffy courtroom all day? How about becoming a virtual juror? Online jurors provide a way for lawyers to present a mock trial and …

Pursuing Human Resources As a Career

Planning a career path suitable to your natural talents need not be a challenge, particularly if excel in personal relationships. If you consider yourself outgoing and able to get along with people, if you enjoy research and organizing any number of tasks to help other jobs run smoothly, you may wish to pursue a career in Human Resources.

What is "Human Resources"?

At first glance, one might think the prime duty of this person position is to collect resumes from job applicants and arrange interviews. While it is true that the HR Department is the first stop for any candidate, an employee's association with such a director does not end once the position is offered.

HR workers are an integral part of any place of business. Just as a high school guidance counselor helps steer students toward scholarship opportunities and career and college information, so the manager in your building is there to assist you with work benefits, insurance enrollment, and training. Human Resources is responsible for oversees 401 (k) programs and work leave policies, relationships between employers and employees – and unions where applicable – and must be knowledgeable of laws and regulations that can affect work flow. A person manager is a teacher, mediator, and morale officer, and one who is strong in these skills can help a company achieve optimal work production.

If you feel you have the personality and talent for managing the needs of large groups of people, this field could be your calling. Even in times of economic doubt, companies require the work of this kinds of managers to look over employment budgets and prepare retirement and severance packages. To be considered for a position in HR, it is strongly recommended to obtain at least a Bachelor's Degree in Human Resources. Advanced degrees are also available in this field, and may attract you in the future if you wish to look into training future HR managers or work with a national corporation.

Jobs in Human Resources

Once you have the requisite schooling, you will find various opportunities within your field for which you are qualified. Thorough research of classifieds and online marketplace sites may yield these and other related vacancies:

  • HR Generalist
  • Employee Relations Specialist
  • Human Resources Director
  • Recruiter
  • Employee Compensation Specialist
  • Staffing Coordinator
  • Manpower Analyst
  • Security Assistant
  • Training and Development Specialists

For a rewarding career suited to an extroverted personality with a knack for strong planning, Human Resources could be the career for you. …

6 Things Your Grandmother Told You About Happiness – Does Science Agree?

Happiness Lies in Random Acts of Kindness

In a recent study, participants were divided into three groups. One carried out five ‘random acts of kindness’ in a single day, the second spread them out over a week and a third served as a control. After repeating this for six weeks, it was seen that the first group experienced the most significant increase in happiness. “Kindness can jump-start a whole cascade of positive social consequences,” they observed. “Helping others leads people to like you, to appreciate you [and] to offer gratitude.

Happiness is a Journey

Our mind’s ability to absorb and adjust to both positive and negative changes means that no emotion, however strong, lasts forever. We soon return to our original baseline of happiness, regardless of winning the lottery or meeting with a serious car accident.

Our inability to hang on to happiness puts us on what is known as a “hedonic treadmill”. We’re always seeking out short term mood boosts, which means that happiness is not a goal but a series of joyful moments that run through our lives.

Happiness Comes When You Least Expect it

Studies show that those who consciously make an effort to seek out happiness in their lives actually report lower levels of happiness and satisfaction. On a related note, those who are more optimistic in life do report greater levels of self esteem and lower levels of depression, loneliness and stress, but their optimism also drives them to take greater risks, which makes them less likely to quit smoking and more likely to have an unwanted pregnancy.

Sharing Happiness Creates More Happiness in the World

Alice Isen, PhD, of Cornell’s Art College, found that the smallest gestures – a free sample, loose change on the sidewalk or an unexpected gift – can cause people to experience a thrill that drives them to show more generosity and friendliness. This in turn makes them more flexible, creative and better able to solve problems. These small bursts of good feelings can over time result in making people smarter, more productive and more accurate. They even conducted a study on radiologists and found that after receiving a small present, they made more accurate diagnoses!

More Choices Don’t Always Mean More Happiness – Appreciate What You Already Have

Although it’s widely accepted that freedom of choice gives us the agency to express ourselves and create lives that will make us happy, this may just be another myth propagated by capitalism. A study conducted on the topic showed that greater the degree of choice, the more miserable the individual.

Too many choices actually cause us to be overwhelmed, leading to an inability to actually make a choice – in other words: not free at all. With every new option provided, we find our own choice less satisfactory. Once you’ve checked out all the options, you are likely to eventually question and even regret the choice you actually make.

Money Can’t Buy Happiness

While money definitely buys a lot, wealthy people …

Getting the Best Education With a College Admissions Counselor

Are you prepared to send your child to college? Knowing which academic institution can hone the talents of your child is challenging if you have no direction about the current college admissions landscape. There is no use starting the admissions process early if you do not know which colleges can offer vast opportunities for your child. In addition to this, the college entry process can be complex. For students and their parents to go about this correctly, they will need to hire college counselors.

Reasons to Hire a College Counselor

A college admissions counselor can help you in many ways. This professional can make sure you have a good choice of college for your child. A professional counselor can also lessen the stress broached about by the long and tiring admission process. It is no wonder many families seek the help of private consulting companies.

You may have specific requests with academics, athletics, and other learning needs. A college admissions counselor can check various colleges with special programs for your child. This assures your kids that they will go to a school that best suits them. Part of the duties of college consultants is attending many conferences and visiting campuses regularly. They should have a wide array of professional resources and a wealth of experience with high school preparations and organizing admissions requirements.

Counseling Services Outside School

The ratio of counselors offering college counseling to students in many high schools is extremely high. In most cases, they reach 500 students to one counselor. Because of this, school counselors do not have enough time to individualize the process for their students. Even the most experienced high school college counselors may have difficulty dealing with too many students. They may not provide enough care and attention your child deserves.

Most of the time, schools assign in-house college counselors to do other additional tasks at their high schools. Some of these include guidance counseling on personal formation, scheduling appointments, conducting career and personality tests, and record keeping. They do not have time to attend conferences and college tours. This results to poor relationship with admission representatives. As a result, they are outdated on recent college admission news and admission requirements.

This is one reason parents have to look for college admissions counsel outside the school. Most prefer working with both in-house and private counselors. Most professionals offering counseling services in high schools follow strict rules, requirements, and job description of their schools.

The additional insight private consultants offer can be a good asset to in-house counselors who must write hundreds of recommendation letters. The relationship maintained with a private consultant can remain confidential depending on the discretion of the family. The release of any information is also dependent on the family's decision.

Useful Reminders

If you are planning to hire reputable college counselors, get those who visit different colleges. Get one who knows how to prepare college lists, assist with college essays, and work on activity resumes. Your chosen consultant should know how …