Facing a Career Change

Economic times are difficult today, and many people are facing a career change in order to maintain their standard of living. As scary as that may sound, it gives many people the opportunity to renew the passion they had for their specialty by finding something new that they can really be interested in.

Many people choose what they want to do in high school or their first year in college, and once they realize they have to spend the next 20+ years hammering that anvil, they find out it is not what they wanted at all. Here are some tips to prepare yourself for facing that change that will make the transition easier when it comes:

Be Passionate About Your New Career

Have you discovered what your true niche is? Some people realize what they really want to do while working in the career they previously chose, and once the time for change happens, they are able to truly concentrate on what they are passionate about. It is much easier to choose a position that you can commit to after you have gained more experience, began living a certain lifestyle, and are more confident in your abilities to manage a career path than when you are fresh out of high school. Put some time and effort into choosing a new career path that you will really enjoy.

Research New Training and Education

When you are faced with the change, it is important to prepare yourself properly for your next move. Be sure to look into different training programs and schools, determine whether you will only need an additional certification or license, or if a degree will be required. Ensure that the school or training program that you choose is creditable by checking its accreditation status and find out what other students experiences have been with that school. Feedback from students who have attended that institution is a great way to determine if that program will be worth your time, so be sure to seek out forums or reviews.

Prepare Your Budget and Finances

Many people do not appropriately prepare their budgets and budget for the career change they are facing. When a person changes careers, it is possible that they will not make the same amount of money they made, either in a lower amount or in a higher amount of their previous salary. If your new salary will be lower than the salary you were accustomed to, make a new budget, cut expenses and make the necessary adjustments to ensure that your family will still be able to function. …

Choices in Finance Education

The finance industry offers a plethora of options to students wanting to join the finance profession.

Today's finance profession is not limited to just the accounting jobs. With the right kind of finance education, a finance student can find himself suitable for a variety of finance roles. Most finance professionals require you to be good with numbers and have knowledge of basic business statistics. Let's take a look at some of the lucrative financial education options.

Accountancy: This is the most widely popular financial career. Commonly referred to as a public accountant, you learn about to prepare and maintain a business financial records. You also learn about taxation and other financial aspects of the business. Education in this area is very comprehensive, and the exam is considered quite difficult. Apart from public accountants, there are also other specialized fields such as cost accountant, management accountant, and tax expert.

MBA Finance: Another popular area in finance education is the MBA in Finance. This program is at the post-graduate level and is offered by most universities as well as business schools. An MBA Finance degree opens up career opportunities in a variety of areas, which include banking, financial analysis, financial markets, research, etc. In general, the reputation of an MBA Finance is measured based on his skill level and the reputation of the college from where the program was completed.

Financial Planning: This is one of the most thought after professions in the finance field. As a financial planner, you are required to manage the personal finances of individuals. You are expected to invest people's money in the best assets based on their risk profile and also advice them on various matters such as taxation, real estate, among others.

Finance Certificates: As the finance profession has grown, many new finance certificates have emerged that help students get provided with very specific financial knowledge. For example, the Certified Financial Analyst (CFA) design helps you become a financial analyst. There are popular certification programs for becoming risk managers; These are Financial Risk Manager (FRM) offered by GARP, and Professional Risk Manager (PRM) offered by PRMIA. If you are interested in Alternative investments, then you have the option to become a Certified Alternative Investments Analyst (CAIA). There are financial certificates in almost every area of ​​finance.

You can choose to pursue your finance education either as self-study (through certificates) or by joining a college. In either case, you will gain practical experience once you join the industry. …

College Level Examination Program and Homeschooling

Homeschooling parents find that the CLEP program is a perfect fit with their teaching style and goals. The College Level Examination Program (CLEP) is a series of standard tests which are recognized by over 2900 colleges and universities as the equivalent of successfully completed course work. By taking and passing these CLEP exams, people of all ages are able to opt out of certain basic classes, and at some institutions, receive credit just as if they had taken the class.

There are CLEP tests available in 34 different areas of study. From American Literature to Basic Psychology, Calculus or Chemistry, self-study guides and practice tests are available from CLEP. When a student is confident that they are prepared, they go to one of the many CLEP testing centers around the country, and sit for the CLEP exam in that topic. There is a fee for study materials and for testing, but considering the savings that can result from a passing CLEP score, the cost is minimal. Study guides are about $25, and the test fee is $72 for each subject. However, if the college of your choice will accept the CLEP test results, then the tuition for that class, and the cost of textbooks is saved. Even community colleges may charge as much, per credit hour, as one CLEP test!

The CLEP option is ideal for homeschools. Homeschooled children are often better at independent learning than their peers who have studied in classrooms. CLEP seems tailor-made for them. Students may take the tests at any age, although a minimum of age 15 is recommended. By covering material in a familiar format, homeschooled students can easily get a jump start on college, saving both time and money. It is easily possible that by successfully completing CLEP courses that students can enter college as a sophomore. Think of saving the costs of an entire year of school!

Often, homeschooled students choose to attend smaller colleges. This is a good fit with the CLEP exam and CLEP test program, because more small schools than large accept the credits. By carefully researching schools which accept CLEP scores, it may be possible to complete nearly two years of college at a huge savings. The cost of a higher education is staggering. Often the small colleges which attract homeschooled students are the most expensive. CLEP allows families to save enough money so that it is possible for parents to give their children that small school experience for their final 2 – 2 ½ years of college.

CLEP exams are standardized across the country. Although it is often argued that standard exams do not promote true learning, they can be a great aid to homeschoolers. It can be impossible to assess the quality of education a homeschooled student has received without such tests.…

Loans For College – No More Strain to Get Finances For College Education

Coping with the college expenses can be a real stress if you do not enough finance availability. However, most of the students step back to go for college education and opt for voluntary study center without proper financing. To resolve the financing issue for getting higher education, loans for college are exact source of finance for you. These loans provide a great financial aid in removing all the financial problems and carry on to falsify a favorable vocation on the back of receiving your degree.

Leave the worry if you are having affected credit scores. Having bad credit is common nowdays as many young people spend the money extravagantly and in turn fall in bad credits. Loans for college do not create any issue against your imperfect credit scores in getting the loan approval. Is not it sounds really amazing? Now grab the required amount of money for your education irrespective of holding any type of credit scores.

You can apply for loans for college students directly with the ease of online application method. Just least formalities and you will get the required amount directly in your checking account within quick span of time. You can borrow the loan as per the requirement. It can typically be paid back between the repayment tenure of 10 to 30 years. You can cover your innumerable expenses of your college education that can be like tuition fee, books, stationary, dorm, transportation and so forth.

You can take the loan form as per your ability. It can be either secured or unsecured form. Unsecured form is quite convenient as it is free from collateral. It takes away all the hassle like expand paper work and faxing. Also, you do not have to prepare contractual related documents. Removal of this formality saves lots of the time and effort in the applications and speeds up the loan approval.

To enjoy your college education without any monetary burden, loans for college is the right and useful loan choice. …

Take Charge of Your Career – How to Build Your Career Management Muscle

Are you concerned about your career progress – or lack thereof? Are you waiting for your boss, Human Resources or a career coach to tell you what to do? Are you confused as to whether or not to go back to school? Are you worried that you are not building enough long-term wealth? Are you searching for career options? Has the career you chosen during college turned out to be not as much fun as you anticipated? Are your talents and competencies underutilized in your current position? Are you worried that if you leave your current employer you might be an easy layoff target in the eyes of a new employer?

These issues and more face today's professional or executive. Unfortunately, we are not taught in high school, college or even on the job – how to grow our own careers. So we spend years listening to others, reading an article or two and then doing nothing but complaining to friends and family.

We all fail to take positive action or make mistakes in managing our practitioners. I have also made a few career mistakes. Some of the more common care management mistakes people make include:

1. Thinking that someone else (your boss, HR or a friend) is going to manage your career progress.

2. Waiting for the right opportunity to find you.

3. Going back to school without developing a 5 Year Career Management Plan.

4. Assuming that if you start networking, you will be perceived as being a "phony" or will be viewed as "begging" for a job.

5. Feeling and behaving like a failure after a job loss.

Making forward progress in your career – fortunately, or unfortunately – means you have to consider yourself to be in training much like a professional or an Olympic-bound athlete. You will need to invest "training" and "practice" time and effort into developing your career management muscle.

The best approach to developing this muscle is to first decide on your short- and long-term career goals. What do you want to do next, in 18 months and in five years? Write it down and make a commitment to achieve your goals.

Next, consider yourself as a product. What are the features and benefits of your product? Why would a new employer hire you? What features do you need to upgrade or improve?

Then develop an action plan that identifies the steps you need to take in order to reach your goals. This is the time to be creative, ask others for their suggestions.

You are the only person that has a vested interest in your career satisfaction and you are the only person who can decide on and undertake a new growth-producing, wealth building, career development path! …

Exploring Careers in Health

There are many opportunities in the health industry. Individuals, who enjoy learning about the body, enjoy studying and researching medicine and science, and those that enjoy helping others are great candidates for health related careers. In this article, you will learn a number of engaging facts regarding practitioners in health.

When exploring careers in health, you will discover that there are hundreds and hundreds of jobs for you to choose from. Some jobs focus on medicine, while others focus on direct care. There are some health care professionals that focus on the young, and some that focus on the old. Many positions work to assist people with mental issues, and some work to help those who need help with physical conditions. The career that you select in the health field will be based on your interests, and what type of work you are interested in pursuing.

The career in health that you select will be the determining factor is what type of college coursework that you will be required to take part in. However, listed below are some common courses that are required of individuals that work within the health industry:

1. Biological Sciences

2. Basic Medical Sciences

3. Various Math Courses

4. Various Science Courses

5. Health Professions

6. Medicine

7. Psychology

8. Sociology

9. Latin

10. Biomedical Engineering

11. Computer Science

12. Dentistry

13. Microbiology

14. Nuclear and Radiological Engineering

15. Entomology and Nematology 16. Occupational Therapy

It is important to understand that many of the above-mentioned courses are designed for specific studies within the health field. There is general coursework that involves English, Writing, Mathematics, and Science that are generally required with all studies of health related careers.

If you enjoy helping people, and you are interested in helping people with the common issues that they face in life, you may consider working in the health field of mental health. There are numerous positions within this particular branch of medicine. You may pursue a career in social work, general counseling, psychology, drug rehabilitation, clinical studies, psychiatry, and even become a counselor at a school or in a jail! Careers in the mental health field are very exciting and they pay relatively well. The average worker in mental health makes around $ 10.00. The highest level career in mental health can make as much as $ 200,000.00 a year or more.

If you enjoy working with people who have been born with physical deformities or those that have been injured, you may elect to work in the health field of physical therapy or sports medicine. These positions pay relatively well. The average therapist makes around $ 65,000.00 annually. You can help a person learn to live with their disability and be more independent, or you can help an injured person gain the strength that they need in order to regain their independence.

Many individuals enjoy medicine and health in general. For these individuals, a career in general medicine may be the right choice. You can select from administration, …

Bible Schools and Bible Colleges – What to Expect, How to Apply and Plan

Getting Accepted at a Bible School or Bible College: The Basics

Be sure to consider all application details, all deadlines, and so on, as you plan for Bible School. Your first consideration should be your desire to attend: it must be strong and clear.

First of all, you need to want to attend a Bible School or College, and you need to want to learn and grow in your understanding of, and relationship to, Christ. Schools also require a minimum age of 17 on admission day, and completion of high school.

Often there is no specific deadline date for applying. Many spots are available for both males and females; Once these are filled, a waiting list is set up. Acceptance for the next autumn takeually starts in November or December. To have a maximum chance of enrolment, make sure that your completed application is received as soon as possible. Starting in June, the enrolment begins to solidify, and students are often moved from the waiting list to full acceptance status at that time.

If you are attending a Bible School in another country, make sure you have the facts straightforward on obtaining visas, travel requirements, and your arrival and departure details.

What are Typical Students Like?

Bible School students vary in ages, and the ages change every year. Most are recently finished high school, and about half are ages 17 to 19. Many, though are in their 20's, and some are in their 30's, 40's … even some in their 70's! Every year is unique, in that there is great variety in age, culture, background, and so on.

Home schooled? You need to check with the particular school, but many do accept home schooled students. Usually, the only requirement is that they are a specific age … in Canada this is often a minimum of 17 years at the beginning of September. Those aged 16 and under have experienced difficulties in adjusting to the community and campus.

Financing, budgeting, and expenditures for Bible School or College

Budgeting and financing are very important aspects of planning for any post-secondary education, and you need to consider tuition costs, other typical expenses such as medical expenses, expenses for toilets, etc. while you are a student.

Bible School expenses need to be planned. For maximum comfort and peace of mind, it is important that you carefully consider many aspects of finance … you want, after all, to have financial peace of mind during your studies.

The September to May costs for Canadian Bible Schools typically run about $ 10,000 to 12,000 CAD. Some of this amount may be considered as a charitable donation for tax purposes – check with your accountant or tax advisor. This donation status applies to anyone who contributions to the student's tuition.

Spending money

Schools suggest a budget for spending money at $ 200 to $ 300 per month. This covers personal items such as laundry, toiletries, personal entertainment, breaks, transportation, and so on.

Extra expenses

Schools often run 2 …

Online College Courses make sure they are Legit

It wasn’t all that long ago that online learning, or distance education as it’s also known was just a supplemental way of taking more classes via an offline campus. As technology advances, and software and web page creation get better this market has grown into offering online college and high school courses as a very viable way of getting an education without ever having to leave home.

For the person who might not have been able to attend college after high school, or the adult who didn’t think it was required they now have a second chance. Even for those who have no form of transportation to or from the school, have children at home, hold down one or more jobs, or possibly even have a physical disability that keeps them from attending classes at a campus, online college courses give them the chance to learn.

People who choose to take advantage of online college courses use technology such as video and audio lectures, email, instant messaging, and chat rooms to attain the required information needed. Then there are online research and study sources they use to make up the remainder of the online college courses.

One fantastic thing about online college courses is that they are one hundred percent equal opportunity. Any person of any color, religion, race, location, or learning ability who has the mindset to study and willingness to learn is able to do so. Often times even an accredited and transferable course.

Before you apply, enroll, or pay any online college be sure to do some background checking. Some supposedly legitimate online college courses aren’t always what they appear to be after researching. There are a few online schools offering online courses that aren’t qualified to do so. They are not accredited. What does this mean? If you’re looking to take your online course load and use it as credited coursework towards for instance a degree, it must be accredited. This means that the school must meet the requirements of the accreditation body in your area. In the US it is the Department of Education, they watch over and regulate American colleges and universities.

You may read a websites claim that they are accredited, or possibly they display the official images and links to suggest they are. Even the way a website might be worded often suggests that they are accredited, when they are not. You’ll pay high fees, and sign all the required documents, but unfortunately all for nothing when it comes time to graduate, or transfer you bogus courses or degree.

With all of this being said, remember not every institution is bad. There are a lot of schools right across North America and Internationally that are legit, registered schools offering accredited degrees and courses. So when your searching consider legitimate offline schools that have an online presence and course offering. Also look for the accreditation information for distance learning education, if you don’t see it or cannot find it just ask. One stupid …

8 Worst Job Interview Screw – Ups to Avoid

A senior level operations manager was interviewing for a job where he would have responsibility for over fifty retail outlets. During the course of the second interview, the candidate becomes relaxed, as he discusses the day-to-day duties, which includes personally making deposits for some of the units, if he should he be hired. To Illustrate his responsibility over protecting cash profits, the job candidate pulls out a hunting knife from a sheath that was hidden under his shirt, and quickly slashes the knife through the air, for effect. He explains he carries that knife only in case of emergencies. As you might imagine, the fellow didn’t get the job.

I have personally seen job candidates pull knives in job interviews, but also, I’ve seen them drop their pants – oh yes, it happened – to show a scar on the upper thigh; one lady daringly exposed a breast during a job interview, to prove she was not lactating, as there was a question about how she might handle daycare for her newborn child; and in one amazing instance, a cross-dressing pharmacist arrives at his second job interview attired in female clothing, and using the feminine version of his name.

In my opinion, these are examples of job interview screw-ups. Too often, job candidates regard their personal behavior at home or at leisure activity as appropriate for the workplace. Too often, they are wrong. And when those misunderstandings of appropriateness collide with the often strict, conservative environments that most employers seek as standards in their hiring process, guess who it is that gets left out? Of course, it’s the job candidates.

Below is a list of the sort of unappreciated behaviors that job interviewers prefer not to see in a job interview. Check the list to see if you may be one of the job seekers perpetrating such activities that may slow or even derail your employment.

SMOKING CIGARETTES – many people still feel the need to ‘light up’ to help settle their nerves prior to a job interview. The smell lingers on clothes, on breath, and hair, and as a consequence carries right into the job interview.

POOR EYE CONTACT – failing to offer confident, inquisitive eye contact with the job interviewer suggests you may not be truthful, or that you are hiding something. Don’t look down at the floor when a question is asked.

POOR POSTURE – half-sitting in a chair, slouching, leaning to far up or back or to the side of a chair suggests to some interviewers that you don’t really want to be there. Sit up straight and pay attention to the person taking.

CELL PHONES – have ended too many job interviews, in my opinion. Some job candidates actually take calls during a job interview. Sure, they apologize to the interviewer, but so what! Of course they say the call is important – but, more important than the job you seek? Same for text messaging, which many college grad job candidates assume is a regular …

Getting Your Teen Moved In To College

It's the saddest day of your life. It's also the happiest day of your life. Your baby is ready to go away to school, and you're lost and scared, and thrilled and proud. It's moving day!

Getting junior off to college is a lot of work. There are endless forms and documentation, traveling for campus review sessions, entrance tests and the dreaded checks to write. The work continues with gathering the supplies, transporting all his stuff, and setting the dorm room up.

Dorm rooms are small and stuff tends to get crowded. Many long-term friendships can not survive sharing close quarters under the stress of school and part-time work responsibilities. Remember when you pack for junior – less is more.

Start with a few moving boxes and other moving supplies. Consciously limit what you pack to items that are functional and practical, while reserving a little space for the fun and the comfortable. When packing fragile items like framed wall posters or desk lamps, considering getting some moving blankets to help protect the fragile items during transport. Do not forget to bring your screwdriver set and fasteners or you'll find yourself making a run to the store soon after you arrive.

Other helpful items during move-in include a broom and dust pan, cleaning spray and paper towels, and some light bulbs. These things will help you start off right in the new space, which may have been vacant during the summer (and therefore a little dusty and musty)

Getting – and staying – organized is one way to keep your sanity. Take your first step by purchasing some moving supplies and moving blankets to help get you and junior on your way. And bring along the tissues, you're going to need them. …