How to Plan for Veterinary Medical Careers

Students who love animals and are interested in the healthcare field have several different career paths open to them. From veterinarians to firefighters to emergency medical technicians (EMT)to veterinary assistants, the possibilities are many. Studying to become a veterinarian is similar to the training required to become a human doctor. There are more than 25 colleges in the U.S. that have a formal veterinary medicine training program where students can apply after achieving a bachelor's degree in biology or pre-med. Assistants do not need a medical degree, but still require specific academic training and hands-on experience. Emergency workers can receive EMT and firefighters certifications in two years or more, depending on the level of education achieved.

Education and Training
After high school, students can take the education and training that they have to a higher level. For animal doctors, they must complete an undergraduate degree and meet veterinary medical school admissions requirements. Most schools require students to have a grade point average (GPA) of 3.0 or higher and some experience working with animals. This might include volunteer work, paid jobs and unpaid internships.

Expenses
There are several ways for students to pay for medical school. Some government programs invite medical students, including those on a veterinary medicine career path, to exchange tuition in the form of service. For those who have maxed out their government student loans and college fund savings and need financing to pursue advanced degrees, internships and positions at veterinary hospital training grounds, there are alternatives. Private student loans and low-interest medical school loans for veterinary studies can help students choose the right career path and enter the best programs in the country, regardless of location.

Application Considerations
The Graduate Record Examinations (GRE) test is a preliminary step to applying for advanced schooling. Most schools have a minimum acceptable score. Also considered is the personal statement on the application, similar to the undergraduate essay question. The stakes are higher, so the answers must be well thought out and error-free. Excellent letters of recommendation from a veterinarian and other professionals are critical to successful admission. Most importantly, students must meet all application deadlines in order to be considered for admission to any program.

Job Opportunities
For trained vets, there are many specialties available. Opening a practice or working for someone else are two distinct possibilities. Many rescue crews eagerly seek out EMTs who are familiar with animals in the hopes of saving injured animals or pairing them with rescue dogs for disaster response and recovery. In the event that search and rescue animals are injured, the team needs to have professionals trained to provide treatment. Another alternative is assisted living facility workers who engage with therapy dog participants. The program is now common in hospitals and any medical care facility where patients need an emotional boost to get through tough times.

Author is a freelance copywriter who writes frequently about available options for Sallie Mae medical school loans. If you are interested be sure to visit https://www.salliemae.com/.

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Financial Aid Tips - Financial Aid Help for College Students

One of the more sought after questions anytime you are thinking about college is, "What exactly is financial aid?". One of the largest myths related to Higher education Financial Aid tends to be that finances funded via the Federal Government aren't required to be repaid back. The idea is only to a certain extent true, given that Federal Financial Aid is made of four types of aid. It is essential that all eventual and present university students be aware of the variations.

Loans -Must be re-paid
Grants - Do not need to be re-paid
Scholarships - Aren't required to be re-paid
Work-Study - Federal Work-Study amounts/hours dependent on your college
School loans, both the Subsidized and Unsubsidized happen to be credited funds with the assurance to pay off. An additional variety of Financial Aid is known as a PLUS loan. To be brief, PLUS loans happen to be federal loans which are commonly obtained by graduate or higher degree requesting scholars (i.e. Doctorate individuals). PLUS loans could even be taken out by parents or guardians of dependent undergraduate students (24 yrs. old or younger) to help cover school related expenses not originally covered by Financial Aid loans.

Scholarships and grants are not required to be repaid and are usually awarded based around "merit" (College scholarships) and / or "need" (Grant). These need-based funds, such as the PELL Grant, are designed to support low-income or no-income which are from difficult fiscal conditions and usually have a relatively elevated dependence on extra financing to cover school. For some cases, scholarships can be need-based as well. Merit-based offers usually are based using several components in accordance with the scholarships; however, a student's financial circumstance ("need") isn't always an element.

Federal Work-Study programs are likely to be part-time work opportunities available for Professional, Undergraduate and / or Graduate students (at least Part-time) that have some sort of monetary necessity. Any duties from the work-study process are typically centered around the pupil's college degree and / or general public service. It is also worth noting that not all University or college are part of the program so it is necessary to double check with your preferred university or college if this is an alternative which suits you.

One separate tid bit I want to make sure everyone understands as it goes hand-in-hand with Financial Aid is the notion of borrowing responsibly. In a nutshell, only borrow what you need up to your Cost of Attendance. Furthermore, try to supplement your loans you are taking out with either Scholarships and/or Federal grants. As stated by Financial Aid Steps:

"EFC" is tossed around a lot while you are enrolling to college or already attending, but what does it mean and why is it so important? EFC stands for Estimated Family Contribution and it is the Federal Governments best determination on your "financial need". Your an/or your family's "financial need" is determined through a formula based on what you report through the Free Application for Federal Student Aid (FAFSA). Since it is calculated by the Federal Government, EFC is based on the Federal Methodology. These components include:
Taxable Income
Non-taxable Income
Family size
Number of family members attending college
Assets"
That's it, a short review of the 4 components of Financial Aid. To get more in-depth information on Financial aid please visit, Financial Aid Head Quarters page.

Please visit us at http://www.financialaidsteps.com for more facts and tips from start to finish about the Financial Aid, Scholarship and Private Student Loan process so you can make a well informed decision on how to finance your education.

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Various Types of Tax Service Providers

Every year, when the month of April comes, everyone's in a hurry to finish preparing his or her returns. While a lot of people are capable of planning and strategizing for their own returns, business leaders and other people with notable assets and reserves hire professional help from tax service providers. There are different types of homework services for these professionals planning returns for such people. There are registered agents, accountants and attorneys who make sure everything is kept at its best form in handling returns for their client.

Professional Service Providers

There are companies who go for well-known tax service providers. These groups operate to further put in order annual revisiting for a cost. Most of the time, they cater refund advance loans. These often survive all over the country and are staffed with expert auditors, accountants and financial analysts. They are also able to hire very promising non-professionals and accounting students, whom they train to develop skills for various types of finance reporting and analysis. However, it would be best to require a licensed preparer to ensure they know the fundamentals of tax codes.

Certified Public Accountants
These are effective and efficient workers. They are the most typical professional service providers. CPA's have the degree in accounting and shall be accredited by their state. They need to acquire annual education classes for re-certification.

While there are a lot of people thinking they just organize returns, CPA's actually take charge of financial dealings, business and planning suggestions and proposals. The CPA does these recommendations during their full-time or part-time work, whichever they prefer. Hiring a CPA is necessary for bulky businesses.

Finance Lawyers
While attorneys can appropriate themselves in a different field of expertise, there are some who turn out to be finance lawyers. There are various laws involving finance and tax that can be a very worthwhile sphere for such legal representatives. Finance lawyers guide clients with issues regarding their returns, tax refuge and drawing official procedures for communal tax and a lot more.

They are not the ones who file the returns but they are superior in a corporation in the sense that they offer recommendations in empowering the viability of reports. They also provide suggestions on subtractions that the business will benefit from. For any company who wants to hire finance lawyers, try to coordinate with your local Bar Association to verify the attorney you are considering for the position

If you are looking for a Sacramento tax services provider to audit and account your finances, then be sure to check out Capital Tax Services Inc first and consider whether their top quality service fits your company needs!

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5 Mistakes The Colleges LOVE For You To Make

Now more than ever in today's tough economy, families are searching high and low for every dollar of scholarship and financial aid money they can find. And colleges are more determined than ever to create as many obstacles to getting that aid as possible.

As a parent, your mindset is "How can I get the most help to pay the college bill?"

But, the college's mindset is "How little can I offer you and your student to get you to come to my school?"

In a perfect world, financial aid funds are supposed to go to those who need the money the most. But the truth of the matter is, that more financial aid goes to the students and the families who best understand how financial aid works.

90% of families out there don't really understand how financial aid works and the colleges like it that way.

These are five BIG mistakes the colleges LOVE for you to make (there are more) because it means they will be able to make you pay more of the college bill:

Forgetting that you're a "shopper". Colleges love when you get the blinders on and focus on one or two colleges. If there's no competition, you have nowhere to go when they give you a fraction or none of the financial aid you are actually eligible to receive. Colleges LOVE you when you make this mistake.

Assuming a college is too expensive. You will walk by a private college with a price tag of $55,000 but is one that might have had an-out-of-pocket cost of only $25,000. All because you assume it is "too expensive". And then you'll apply to an out-of-state public college that will charge you $48,000 - because it's "cheaper". And that college will only give you a $5,500 student loan. Colleges LOVE you when you make this mistake.

Waiting until your Senior year to start thinking about paying for college. If you want to increase your chances of getting the most scholarships and financial aid, financial aid planning should start as early as 10th grade. But, if you're one of the 90% of families out there who wait until it's time to apply for financial aid before they start thinking about how to pay for college. Colleges LOVE you when you make this mistake.

Failure to stay focused on the financial aid process. Financial aid doesn't just fall out of the sky or happen magically. There are a lot of details you need to stay on top of, and the colleges LOVE you when you make this mistake, too.

Focus your time and attention where there's hardly any money. You will concentrate 98% of your time where 2% of the money is - trying to chase after all those "little known scholarships" that supposedly go "unclaimed" every year. And while you're spending your time doing that, you're neglecting your college applications and the rest of the financial aid process. You'll throw these together at the last minute and give the colleges plenty of reasons to say "NO". Colleges LOVE you when you make this mistake.
If you realize you might be making one or more of these mistakes, there is no need to throw up your hands and give up. Get some help.

It may seem strange to pay for help when you want to reduce college expenses. But, the truth of the matter is, few families out there have the time and /or the expertise to know how to get the most financial aid.

That certainly was the case with Doreen and Pat. Having already gone through the college application and financial aid process with their two other daughters, they knew how easy it was to make mistakes and end up with meager financial aid awards. They were burned out and cash-poor trying to pay for their two older daughters' college bills.

They didn't want to limit their youngest daughter's college opportunities because of the mistakes they had already made with the first two. In spite of having done the whole thing twice already, they knew they needed a better plan.

They got out of overwhelm, got their daughter into the top-tier school she wanted and were able to save over $56,000 on the college bill.

Instead of being penny-wise and pound foolish, they realized that spending a bit of money up front would more than pay for itself. Thanks to proper planning, they went from the colleges expecting them to pay the full bill to actually having the colleges "pay" them $14,000 per year.

(If you're wondering how much it cost them to get that help, it was less than 5% of the money they saved on the college bill.)

Jeanmarie Keller has helped thousands of students get into colleges they love while making sure their parents save a fortune on the bill. Jeanmarie is the creator of the Smart Plan For College System which teaches her client-families how to get noticed in the admissions office, get in at the colleges right for them and how to get the money they need to help pay the bill.

To receive Jean's weekly email newsletter and Jean's free CD: How To Find Cash For College, subscribe today at http://www.JeanKeller.com

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Change the World in 6 Simple Steps!

6 Simple Steps To Changing the WORLD!

OK. Our planet is going through some changes... man made CHANGES-AND IT AIN'T PRETTY!

Can you believe-7 billion people only have one percent clean drinking water left on the planet? That can't be good? Without water, life will not exist... period. World governments aren't taking this issue seriously. Don't you find the lack of concern for clean water a bit odd? It's a human right to have clean water.

Since the beginning of time, humans seem to love war? Over the last decade, the US has spent over $5 trillion dollars on both Iraq and Afghanistan wars-funded by you and me, the tax payers. Lest not forget, we the people were against these wars. It's a human right to be at peace.

It's simply unimaginable to me that-seventy percent of all foods are contaminated with GMOs, GE and deadly chemicals-like arsenic, mercury, aspartame, etc. As you can see, the FDA is focused on approving products that are scientifically proven to kill human beings. Think about it? Why would the FDA approve cigarettes and allow companies to lie about a product that kills people? Every year, cigarettes kill over 5 million people worldwide. It's a human right to be healthy.

Let's get serious; the world almost fell off the financial cliff-because of the archaic Federal Reserve Banks & corrupt politicians.. Literally, banks are largely unregulated and have government support to steal.

Ask me why President John Fitzgerald Kennedy was assassinated? Go on, ask me? He signed an Executive Order 11,110 to close the Federal Reserve Bank-which is privately owned Rothschild Federal Reserve Bank. The Federal Reserve Bank is not government owned or operated agency-a small group of powerful white men control the flow of currency by loaning money to our government, not we the people. After, JFK signed bill 11,110, he was assassinated, LBJ took office an immediately reversed the bill. If JFK's bill went through-we wouldn't be in debt today. Makes you wonder why subsequent presidents haven't enforced the closure of a privately held Federal Reserve Bank?

Let's get back to legalized theft--Credit card debit use to be the largest income source for banks, not anymore. Forget credit cards--higher education or student loans-are the most profitable banking products in history. Imagine, millions of students going to college annually and owing $50,000 to $150,000 each. Since the 80s, college tuition has increased by 587%. Now, that's legalized theft! Banks are legalized white collar crime and it started with the Rothschild's Federal Reserve Bank.

When I went to college in the 80s, my tuition was $3500 annually. I owed $12,000 when I graduated. Now, the average student loan is $40,000 to $150,000. All I can say is -it's good to be a college or bank! This is why I don't like banks.

Where are all the jobs? Tens of millions of people are unemployed and homeless. Why? Because of a brilliant new concept called In-sourcing-which is the new outsourcing? What? Yep. In- sourcing is the new normal; this means sending good jobs to prisoners and paying them pennies on the dollar and charging them room and board. This is why we spend trillions for the war on drugs... mostly harmless marijuana. Two thirds of all prisoners are in jail for non-violent drug crimes and mental illness. Only, 3500 plus prisoners are on death row. So, millions of people are disenfranchised because of archaic drug laws and corporate interest and high profits.

Millions of American jobs are sourced to our industrial prison complex and the prisoners make about twenty-four cents an hour. This new emerging work force is cheaper than outsourcing to China or other countries. Lest not forget, there are millions of jobs, free healthcare and free education-unfortunately, you will have to go to prison to find these amazing opportunities.

As a perpetual optimist and Grider (living off the grid), I know collectively we can quickly change our personal circumstance and the world. After much analysis, here are my six simple steps that could change everything in an instant!

6 Steps to Changing the World in an INSTANT:

1. Irrational consumerism is so passé! Why not save 70% of your income by bartering & gifting for goods and services? I love to barter & gift: services, housing, food, clothing, cars, furniture and the list are endless. At griders.info you can easily barter for free housing, food and a car worldwide! Oh, if you gift your service... no need for income taxes.

2. DROP-KICK BANKS FOREVER! I hate banks! Why? Banks only benefit banks and historically they oppressed people of color and women. For ever dollar you deposit in a bank-the banks create ten dollars. Personally, I don't see the need for banks. There goal is to make money off your money by charging you interest? Banks, allow the government to control and track your money. Banks aren't regulated--allowing them to steal billions from the public-without consequences. I recommend buying and insuring appreciable assets only! (Real estate, art, collectibles, businesses, etc... ) I recommend keeping a small savings account and invest the rest.

3. How to immediately Eliminate GMOs, GEs & Deadly Chemicals from your Food? STOP, STOP, STOP... buying food from ALL SUPERMARKETS, even Wholefoods. Only consume foods from small local markets or small organic farmers! Our current food industry is literally killing all living things! The number one killer of people is obesity and starvation from lack of nutrients in processed and GMO foods. The three major causes of death are: Cancer, Heart Disease & Diabetes-all preventable and caused by unhealthy foods. Visit, earthsave.org and download a shopping list to perfect health.

Better yet, join the Free Organic Food Movement @ Facebook! Grow your own DAMN food and share it! Healthy Organic Food should be FREE! Food, Shelter, Health Care, Water, the Sun, and Air & Love should be FREE! Anything that sustains human life should be free.

4. START A CASH ORIENTED BUSINESS like the Amish, Asians and Jews. Through gifting or exchanging goods and service you can all but, eliminate income and property taxes legally. By decreasing your taxes you literally stop funding wars & global fraud.

5. IMMEDIATELY... STOP BUYING GOODS, FOODS & SERVICE that hurt the planet and living creatures. Just STOP IT!

6. Learn the Art of Kindness & Honesty. I have an old saying, 'Love is Kind & Honest all the Time.' Imagine a world where we are all kind and honest towards each other... what a concept. Everyone's life would change in an instant if we all practice kindness, honesty and love.

Do you agree with my formidable list of 6? Is my list possible to achieve? Get off the Grid and let's change the world!

http://about.me/arielovehinnant

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An Online Cash Advance Fund Right From Home

Access to an online cash advance loan has helped many hardworking people get the emergency money help they need. When I was a young adult, friends who remained at home after graduation were almost looked down upon as not being able to make it on their own or being the owns who had to depend on the short-term loans. When they had a job, they lived for free and used all their extra cash to buy adult toys; bikes, cars and high end entertainment centers. A loan payment was not a problem with no living costs. It didn't matter if they worked part or full time, these friends had money to waste.

The trend has changed as far as how these young adults are viewed, but the financial freedom they seek differs. Students who complete their higher education move back home in order to get their finances straightened out to move forward in life, not to be frivolous spenders. They are not looking to live a lifestyle contingent upon a direct cash advance lender, but have their own "go to" account in the bank.

Upon graduation, young adults are seek the opportunity to build their credit and payoff some of their accrued debt before venturing out on their own. Many have set financial plans with goals and objectives which they will work on while living with Mom and Dad.

I'm sure there are parents who expect some rent and help with other expenses, as they should. It is a good start to learn how to live and save within a budget.This amount is most often much lower than living in their own place. What do they do with the extra cash?

One of the first steps a financial adviser would say is to open a savings account. The more money you can pack away now while you live at home, the better. Once all the extra demand is placed on monthly income, the amount left for savings will diminish. Take advantage of the living arrangement in order to prepare for later costs; a down payment on a home or car, the beginning of your retirement fund or a personal cash advance emergency fund.

Most graduates will have student loan payments soon enough. Once the six month grace period ends, these installment loans will be occurring for a very long time. There is always the option to defer payment, but it is a costly one. Have you ever heard of a cash advance rollover? Predatory lending companies will love for a borrower to defer this type of loan. The longer it takes a person to pay it back, the more the company collects in fees and interest. Student loan deferment is an option, but it is not a cheap one. Add student loans to your emergency fund to cover a few months' worth of costs in case you come across a time later when these payments are not feasible.

When you are ready to move out and into your own place, choose a place which costs less than 28% of your income. You don't want to move out and immediately begin to use your quick cash advance loan fund to keep up with living expenses. This money is earmarked for emergency use. Being able to live within your means is a great lesson to learn early on. You worked hard at school obtaining your higher education so keep your mind open to continuous financial lessons along the way. The more we learn early on, the better equipped you will make your own finances for whatever come what may. Build your own low fee online cash advance fund and transfer funds without accruing interest.

Spotya! Cash Advance Loans does not advocate using a payday loan for just any type of spending. Visit http://www.spotya.com for more information on payday loans.

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How Getting a Car Loan Helped Improve My Bad Credit Score

Being able to increase your credit score is something that you should definitely feel proud of - I know I was. When you do, you have a lot more leverage with future buys, owning a new vehicle, and more importantly building up your credit for future debt. While placing emphasis on the last benefit, keep in mind that building your credit score is very important and getting an auto loan is one way to effectively do it. This is actually what I did to help improve my score. Many lenders exist that offer you auto loans, regardless of your credit history. It's a great way to improve your situation. Let's take a look at how auto loans can help those individuals suffering from bad credit.

The Facts - Making Auto Loan Payments

In order to really maximize the effect on your credit score, you need to have a firm idea about the types of debt that are out there. More specifically, you need to have a thorough understanding of installation debt. Basically, this is the kind of debt that requires you to pay it back in the form of monthly payments. Other examples of installation debt could include a home mortgage or a student loan. And while this type of debt typically doesn't have a final payoff date, they do affect about ten percent of your total credit score.

Understanding Payment History

One of the main factors that contribute to your credit score is your payment history. Every time you make a monthly payment towards your auto loan, it is reported to the credit agency. As a matter of fact, you can receive positive credit score activity if you pay off an auto loan payment in less than 30 days after it is due. This doesn't mean that you should take this approach. However, it does mean that there is some flexibility regarding payment history and how it affects your credit score.

Quite the contrary you should be paying off your car loan as quickly as possible. Just make sure that your particular loan doesn't have any early payment fees. Also take note that your payment history on your vehicle will account for about one third of your credit score. That is a hefty amount so it just goes to show how powerful it can be if you regularly and consistently make your monthly payments.

The Benefits

As you already know, one of the main benefits of getting an auto loan is having the ability to increase your score. It is an excellent way of increasing your credit score and is a solid way to polish your credit history. Future lenders will see this and be more likely to provide you with better interest rates. Once you know this, you should try to do everything in your power to pay off a car loan as quickly as possible.

Conclusion

In short, paying off a car loan is the best way to increase your credit score. Note that it makes up nearly one third of your score and is a rather simple way to do it. The trick to making it work is to make your auto loan payments early and consistently.

Maxwell Trusser in an author and blogger who often writes on a number of different business and financial topics. His posts can be read all across the internet. He looked to BankApproved for auto loans for people with bad credit and information on how credit works.

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Record Suicide Rates Over Crushing Amount of Student Loan Debt - Sad Yet Understandable

In accordance with the World Health Organization, over one million people every year die from suicide. Suicidal tendencies are often associated with divorce, depression, ill-health, alcohol or drug problems; student loan debt being the most significant among them. A majority of the people who seek counseling advice are people who see suicide as a way out of private student loan debt problems. In order to stop people from committing suicide, you need to identify the symptoms that the individual is suicidal and have an open conversation with him or her regarding the particular issue. In the year 2008, a piece called "Suicide Spreads as One Solution to the Debt Crisis" was written by Barbara Ehrenreich. The editorial hinted at the housing crash, and Ehrenreich showed up numerous cases where people committed suicide when they were expecting a possible loss of assets. In the words of Ehrenreich, "Suicide is becoming an increasingly popular response to debt."

In 2012, President Obama is expected to tackle student loan debt issues and whether the government should take steps to alleviate the incredible burden on both your wallets and lives. Private and federal student loan debt exceeded credit card debt level for the very first time in 2010, and is likely to reach $1 trillion this year.

Simultaneously, as graduates accrue huge student loan debt, many fail to find work owing to the unstable job markets and as a result default on their loan payments. In accordance with the DOE or Department of Education, among fresh graduates who started reimbursements in 2009, 8.8 percent had already failed to make their federal loan payments. The figure is in sharp contrast to 7 percent in the year 2008. Sadly, the number of student loan debt related suicides is constantly on the rise. Founder and Executive Director of All Education Matters, Cryn Johanssen stated that suicide is a dark facet to the student lending crisis. He finally declared that this is a national crisis which calls for immediate attention.

At present, student loan debt surpasses the overall credit card debt amount. In the year 2005, the bankruptcy law was amended to prevent private student loans from getting discharged under a consumer bankruptcy. In spite of this, private student loan lenders were giving out loans like free cake. Consequently, its students who are now trapped in the vicious cycle of student loan debt. Even the co-signers are pulled in this cycle.
Suicide as a way out: What's the underlying cause?

According to the Consumer Financial Protection Bureau, private student loan lenders cause people to fail with debt issues that can't be discharged under bankruptcy. They forced students into lives of fatal debt slavery devoid of any apparent concern for the borrowers. According to a recent research conducted by CFPB and Department of Education:

• A majority of the private loans have only a handful of options for forbearance or payment revision. Most private loans include variable rates, resulting in future payment difficulties. Before 2010, national law did not require a disclosure revealing the actual rate of interest on a borrower's loan until the lender acknowledged the loan, permitted the credit, and prepared the check for mailing.

• A number of lenders avoided school financial aid agencies and promoted loans directly to students. Consequently, in many instances, the school failed to assess the borrower's monetary requirement, weigh against the loan amount, or confirm that the borrower was actually registered. A lot of lenders even lowered the minimum credit score needed to obtain a private student loan in order that they could create and then trade off more loans. A majority of the students failed to realize the differences between private and federal loans. Quite obviously, they ended up taking chancy private loans ahead of exhausting their secured federal alternatives.

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Find Out About the Quality of CNA Classes Before Applying

The quality of CNA Classes can be best understood by the importance attached to it by the federal legislation Omnibus Reconciliation Act of 1987 (OBRA-87). The legislation clearly mandates only these nursing assistants who are certified through state and OBRA approved Nurse Aide Training and Competency Evaluation Program (NATP) of 75 hours are to be employed in nursing homes, Medicare and Medicaid funded facilities. All states were also mandated to develop, manage and monitor training programs with OBRA education standards and provisions.

Although, federal requirements for the training period is 75 hours, different states have their own views, and they believe that such short training hours are not enough to train a nurse aide fully in nursing care knowledge and skills for public health, safety and welfare. Keeping in mind these views, different states have developed their own program hours based on patient safety criteria, and directed schools and colleges to follow these stipulations. The programs of many states thus crossed the federal requirements and extended to 75-175 hours. The states such as Arizona, Connecticut, California, Washington D.C., Idaho, Illinois, Indiana, Montana, Maine, Oregon, Virginia and West Virginia have developed CNA Classes that are 100-175 hours. The theoretical classroom course instruction, lab training and clinical rotation hours of each state also vary as per their needs.

The training programs can be attended from different training providers such as schools, colleges, trade schools, facility based classes and Red Cross classes, but before applying, students must remember certain crucial points that can help them receive quality trainings including:

Quality of Lectures - The nursing care knowledge and skills offered in the schools must be of superior quality.

Accreditation of Schools and Programs - The training programs must be accredited and meet the approval of the state health and education departments, and federal requirements.

Enrolment Benefits - The students must find out if schools are providing any admission benefits because such benefits may help reduce training expenses.

Free CNA Classes - The students must visit the financial aid departments of the school, state Nurse Aide registry and Health departments to learn if there is any state, federal and private party scholarships, grants, loans and loans reimbursement schemes for free classes.

Pass rates - The knowledge of last few years pass rates of the school will surely help students get admission in a school that have an excellent pass rates.

Training program costs - The students must be acquainted with the training costs of the program because if the tuition costs and other related expenses are higher, you may not be able to afford them.

The applicants can attend the school's review classes, visit internet for school reviews, enquire with past students, and discuss with other CNAs on internet discussion forums for gaining knowledge on schools and their qualities.

The information on reputed CNA Schools in KS and MO can be obtained by cna classes Kansas and cna classes Missouri page.

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Varied Options For Completing CNA Classes

The students wishing to get certified as a CNA have various options to complete their CNA Classes. They can select their class as per their own convenience and comfort because the continuing economic downturn and slow recovery have profoundly affected the job scenario, salary packages and financial conditions of professionals, housewives, graduating students and other people in different ways. Moreover, they also have their own job, family and educational commitments that compel them to choose a class that is flexible and convenient, and suit their needs and timings.

CNA Classes Types

Traditional schools and colleges - These kinds of schools are widely popular and ideal for students who have no time problem for attending regular classes and clinical rotations at fix times. CNA schools that offer campus based programs include vocational schools, community colleges, private schools, trade schools, universities and technical institutes. Many traditional schools offer day, evening and night classes for the convenience of the students. The working professionals and housewives can enrol in schools that offer evening or night classes because they can attend these classes without neglecting their own commitments elsewhere.

Facility based Classes - These classes are mainly offered in hospitals or long-term care facilities, and more favourable to nurse aides who are working in these facilities but seek a Certification, as per OBRA-87 to continue working. The trainings are either free CNA classes if nursing aides agree to work in the facilities for agreed time after completing the program and earning a certification, or chargeable, depending upon the nursing aides.

Red Cross Classes - Among various kinds of training programs, CNA Classes offered by the American Red Cross through 36 chapters throughout the country are known for their high quality and standard. The students who are, in fact, looking for quality trainings can search for Red Cross classes in their own state.

Free Classes - Free CNA Classes can be defined as training programs offered for free of costs. The schools and colleges offer state and federal and private party scholarships, grants, loans and loans reimbursement schemes to students who are financially weak, minorities from downtrodden society and deserving students that make training programs free. The school pays tuition costs, exam fees, program related materials expenses, books, stationery and other related costs.

Online Classes - Such classes are becoming popular day-by-day because the timings of online classes are flexible, and students can attend them at their own free time or leisurely homely hours. These classes are most ideal for housewives, working professionals and students who have additional commitments toward their family, engaged in jobs or education. But, before enlisting in these classes, one must find out accreditation and approval of the program in the state. They must also enquire about the clinical arrangements offered by the schools.

You must also find out about the legitimacy of the programs because Internet is full of scam sites these days, and you may be duped with your program costs. The approved and accredited online CNA Classes can be completed through University of Phoenix, National American University, Kaplan University, Chamberlain College of Nursing, Walden University and the University of Iowa.

If you are also aiming to enter nursing care field for CNA Jobs, first decide which nursing assistant class suits you. You can apply to that class and complete your training program for a CNA Certification.

If you want information on traditional CNA classes Minnesota, or CNA classes Mississippi, you can visit both MN and MS CNA Classes page.

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First Time Auto Buyer Program With No Credit History - Guaranteeing Uncomplicated Car Buying

You will always remember your first car and that's why; make sure that the process of buying your first car is pleasurable. A first time car buyer or someone with more experience of car buying, car loans are common to one and all. Buying a car with cash is out of question because cars - used or new have become very expensive.

The prototypical first time car buyer usually has no credit score. He is making a credit purchase for the 1st time which means there is no credit history. But, don't worry. This article will help you get the best interest rates on your maiden car loan.

How to score Better Rates on a First Time Auto Buyer Program with No Credit History?

Remember that the American auto financing industry is highly competitive. There is an auto loan for every situation and car buyers can easily get affordable financing programs. All you need to do is know where to search. There are many auto financing companies that provide auto loans to first time car buyers. When you fill in the application form, make sure that you choose a reliable lender. But, before filling the form, you must know the auto financing process. Just as a half-baked recipe spells disaster, insufficient knowledge can be extremely harmful. So, get ready to know how you can secure affordable first time auto buyer's program with no credit history.

A Realistic Budget for a REALLY AFFORDABLE Loan

No interest rate will be high and unaffordable if you make a budget. Once you prepare a list of your monthly income and expenses, you can easily know whether a particular car loan quote will be affordable or not. Understand your financial constraints before saying yes to any lender. It will help you in making a better choice.

What Car suits you?

It's not like olden days when you had just few options for buying a car. Today, there are abundant choices and it is better if you have a few favorites. Most cities charge for parking. Add insurance, cost of fuel, maintenance, etc. to the list of car-related expenses. So, make sure that you don't buy anything that is not necessary. Decide on your needs. If you will have to travel long distances every day, it's better to go for a fuel-efficient car. If you are going to live in highly populated city like NYC, better to opt for a compact model that doesn't take too much place. Also, understand your neighborhood because it will let you decide on the kind of safety equipments you want.

Do remember to check the manufacturer's incentives for first time buyers. There are many companies who offer special discounts and cash back schemes. GM offers student-college discount to first time buyers. Ford also provides a financing option to young car buyers.

Check your Credit Score

Grades were important when you were in school. And, now it's credit scores. It is essential because it will determine the approval of your loans. Even if you don't have any credit history, it is always better to have your current credit score before applying for first time car loan. There are high changes that your department store credit card had some positive effect on your credit score.

De-stress with Down Payment

If uncertainty over car loan approval is giving you unnecessary stress, down payment can help you. It is the time-honored solution to car loan ambiguity. When you make a down payment, lenders get a corroboration of your financial stability. This helps in getting quick approval.

Securing the Deal with a Co-Signer

Co-signing is a powerful antidote to your no credit problems. By getting a co-signer, you assure the lender of regular payments. This ensures that approval on your first time auto buyer's program is in the near future.

Income-Proof

Don't have a co-signer? Don't know how to manage money for making a down payment? Well, your problem can be solved with a proof of your income. When lenders know that you make steady dime, it will be a perfect solution for unavailability of a co-signer and down payment. So, make sure that you have income proof with you.

All these steps will ensure that you get an affordable first time auto buyer's loan. Zero credit history won't trouble you anymore because this car loan will start building your credit score.

Happy 1st Car Buying! All the Best!

Fastautoloanapproval.com provides first time car buyer program with lowest possible rates. Get affordable car loans for no credit history. Apply now to secure FREE auto loan quotes today!

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The Bell's Ringing - Get to School!

No matter what profession an individual hopes to enter, there are always various factors that need to be taken into consideration. Those factors include education, money, location, and assistance programs. Well, becoming a truck driver is just like any other profession in this regard, and it all starts with the first item on the list... education.

To begin, when choosing a truck driving school which is right for you, try to get feedback from current or former students. Since they already have experience with the academic institution, they're your best eyes and ears, so to speak. If you're investigation brings about positive feedback, you're ready to move on in the process.

So, the school you've discovered gets the big "thumbs up" from its alumni; now it's time to ask the scary question... "how much is this going to cost me?" While this truck driving school may be everything you've ever dreamed of; if you can't afford the cost, it may be time to look elsewhere. However, with this mind, do your best not substitute cost for quality! In the end, you may be better off taking out a small student loan and going to the truck driving school that you know meets your criteria.

When the issue of money is resolved, it's time to decide if the desired school's location will be a good fit for your current situation (i.e. single or married with a family). Are you going to commute daily? If so, how far? Gas can get very costly! Or, are you going to move to attend your choice of truck driving school? If so, where are you going to reside and at what cost? Some truck driving schools do offer dorms similar to a college campus; but it will obviously raise the cost of attending the institution.

Finally, when you've got all your ducks in a row, do not skip over this final and imperative step. Make sure to inquire about what forms of assistance the truck driving school offers its graduates. A good truck driving school should offer help with the following:

a. resume building

b. reference letter

c. application process

d. job placement

e. assistance in obtaining the best possible job package including benefits

To conclude, choosing to go to school to become a truck driver is no different from working your way into another work related field. Always remember to cross your t's and dot your i's. Do not assume that any random truck driving school is right for you. Therefore, make sure to investigate each of the key components (education, cost, location, and assistance) discussed with regards to each and every truck driving school you review. If you cover all of these bases, the decision you make should be a sound one.

John Hill operates a website for truck drivers. His goal is to better educate truck drivers on laws and regulations. You will find information on CSA scores, CSA Points and how to be a trucker by visiting the CDL Learning Center.

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A 2013 Call for Financial Literacy

April is a busy month honoring as it does everything from the Holocaust and the Armenian Genocide to autism, poetry, trees, and the earth, too. It is actually also a month devoted to financial literacy-an absolute must given the ongoing state of the American economy and the impact it's having on all of our lives.

Unfortunately, the federal government is the last place to look for an example of responsible money management. A quick perusal of Obama's new "budget" plan tells it all, calling as it does for a deficit reduction of more than $4 trillion over the next ten years-but new spending in fiscal 2014 of $3.8 trillion.

Couple that with the fact that, as of 12:28 p.m. on Saturday, April 13, the national debt stood at $16,814,506,044,148. Breathtaking, no? Just two days later on the 15th-tax day, no less--that figure had jumped to $16,821,032,503,046, and the numbers keep spinning onward.

Unfortunately, many of us, like the federal government, are swimming in debt. Indeed, the average U.S. household holds about $15,204 on their credit cards alone. Then add to that our average $148,818 in mortgage debt, and you end up with a whopping total of $848 billion owed on credit cards and $7.93 trillion on mortgages! Then too, 25% of us have no savings whatsoever, and just 11% of us with a 401(k) are putting enough money aside for retirement.

So much for role modeling... No wonder, then, that young people owe countless sums, too. Student loans alone have them in their grip with numbers that speak for themselves:

Average student loan debt: $33,005
Total student loan debt: $1,007.6 billion
Then add in what they also owe on their credit cards, cars, and mortgages, and it turns out that 20-somethings hold an average $45,000 in debt.

Some say part of the problem is that only 13 states require high schoolers to take a course in finance, despite evidence that those who do are likelier to pay their credit card bills on time and save, too. Moreover, while 45 states have adopted them, the Common Core State Standards do not address personal finance or economics whatsoever, instead focusing only on English and math.

As journalist and author Dan Kadlec explains, "Personal finance is 'reality' in the post-financial crisis world and should be regarded as the Fourth R. This is an emerging core subject area in schools throughout the world." For that reason, GW economics professor Annamaria Lusardi says, "We don't ask parents to teach math and physics and history. Why would we ask them to teach financial literacy?'

True enough; schools certainly have a responsibility to prepare their students for the real world of money management, but, at the same time, we parents do our children a huge disservice by keeping financial matters off the table, so to speak. Indeed, an ING survey reports that one-third of us are actually more prepared to talk to our kids about drugs, alcohol, sex, and, dating than we are money. The result: 87% of teens admitted that they know little about personal finance.

Additionally, a T. Rowe Price survey found that among parents:

77% said they don't always tell their children the truth about money matters;
50% admitted to regularly setting aside money to save or invest;
43% set savings goals;
32% avoid talking about their family's current financial situation with their kids.
Advises personal finance expert Howard Dvorkin, "Financial education must start from an early age. In the same way children learn about writing and reading, they should learn to manage money. It doesn't mean that at the age of 8, children should know how credit cards work, but they should be able to administer their allowance, and later on learn basic finances to avoid falling into debt once they obtain their first credit card."

In other words, we've got to do a better job and the younger the better. As author David Bach has suggested, the time is right when you hold up both a $1 bill and a $100 bill and your child knows which one to take. Start with an allowance and teaching your child to divvy up his "earnings" between spending, saving, and charitable giving. Add chores, too, to better prepare your child for real world work.

A recent online research study found that only 51% of parents give their kids an allowance, and 21% of them said they do so in recognition for chores. Meanwhile, just 47% use allowance as a way to teach about how to handle money irrespective of chores.

Another good idea is to gift with cash. It might not be as exciting as the latest Lego set or scooter, but doing so paves the way for youngsters to save for a dream list item and leave the rest untouched and accruing interest in the bank. Yes, you should also consider opening a bank account for your child, and Pennsylvania's Univest has just what you need. It's called the Eaglet Saving Account, and to get things started, the bank will deposit $10 in the account for you. Plus, no minimum balance is required nor is there a monthly fee.

Meanwhile, the Internet is a goldmine of financial resources for families. One of the most notable is DoughMain which offers "a set of integrated online applications, including a family calendar, chore tracker, and an allowance and rewards tool." It also offers three gaming websites, featuring "teacher-developed content including specially selected concepts in financial literacy for kids." And all that is just for starters.

Another site worth a look is tykoon.com, which calls itself "the premier financial tool for kids and their parents, empowering kids to develop stronger financial values with real money and real-life experiences-all under the safe and watchful of eyes of their parents." It simply doesn't get any better than that-plus it's also available as an app.

Also lending support is the FamilyMint™ Money Management Certification Program, "a complete step-by-step program for learning money management." As the site says, "Teach your kids to be good stewards of their money with this award-winning program. Only a few minutes a week results in lessons that will last a lifetime." Offering workbook and online versions, the program will help form and reinforce such essentials as:

Saving
Tracking money
Setting goals
Delaying gratification
Writing checks and deposit slips
Budgeting
Understanding interest
The bottom line: In the face of our deficit-bound federal government, stumbling economy, and all-around out-of-control debt, making money management a family priority is an absolute must. Ditto when it comes to saving for rainy days and retirement, too. In other words, teach your children well, and serve as an example of wise financial decision-making. Be sure, as well, to convey the difference between wanting something and actually needing it-and then behaving accordingly. No regrets.

Carol Josel is a learning specialist who worked with middle school children and their parents at the Methacton School District in Pennsylvania for more than 25 years and now supervises student teachers at both Gwynedd Mercy College and Ursinus College. Along with the booklet, 149 Parenting School-Wise Tips: Intermediate Grades & Up, and numerous articles in such publications as The Journal of Adolescent & Adult Literacy and Teaching Pre-K-8, she has authored three successful learning guidebooks: Getting School-Wise: A Student Guidebook, Other-Wise and School-Wise: A Parent Guidebook, and ESL Activities for Every Month of the School Year. Carol also writes for examiner.com; you can find her articles at http://www.examiner.com/wise-parenting-in-philadelphia/carol-josel. For more information, go to http://www.schoolwisebooks.com or contact Carol at carol@schoolwisebooks.com.

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Want The Legal Job Of Your Choice? Make The Right Start

The legal job market, as labor data reveals, continues on its downward passage. The ever increasing number of law school grads further confounds the problem, making the jobs available to job-applicants ratio rather lopsided.

It is logical to assume that getting a decent law job is not going to be easy and the only grads who can be reasonably assured of a smooth passage are those who have relatives with established law firms, or those with enough money to start their own private practices.

How can then, lawyers go about their job search, to ensure that their legal education provides them with the job they deserve?

For new graduates, If you are starting to look for a job after graduating then you are already late. You should start looking for appropriate employment avenues when you are on the verge of graduating - the field is less crowded at that time and you can avoid the later rush.

Don't start looking for your dream job right away. Check out all legal jobs that are currently open and get a decent starting position. It may not be the best and it will certainly not be the one that you have been dreaming about, but it will give you a platform from where you can build. Your first legal job will not be your last and it will teach you many things that your law school did not. Moreover, it will give you the requisite experience which will add a lot of weightage and worth to your resume in future job-hunts.

It is quite likely that you also have a student debt to repay. If we are to go by the national average, it should be anything between eight to ten thousand dollars a month. However, you have a six month grace period, before you start repaying that loan. Finding a job much before the expiry of this grace period, ensures that the loan does not become an insupportable burden.

There are three ways in which you should search for your job: 1) The location; 2) type and 3) salary requirements. There are umpteen job sites that will allow you to search for legal jobs, through these keywords.

Create a resume and post it online on relevant job sites. Study what the resumes of good lawyers look like and simply adhere to the format. Badly written resumes are likely to end up in the waste bin. It is quite possible that the roles could be reversed and instead of you finding the job, a job could find you.

Also put together a list of great references. Good references, from your law school professors, your local senators and others similarly placed, are better than more references - quality will always score over quantity.

Send your resume to as many legal job openings as possible. Even if there is an opening for a job, that you would love to have but feel that you probably don't merit, still send your resume - you never know who or what they are looking for.

The main aim of a starting job is four fold. Firstly, it helps you put your foot into the door, it gets some desperately needed cash income flowing in; it enables you to gain vital experience and lastly it is better to have some job rather than have none at all.

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The Issues of Implementing IFRS in Developing Countries

First started by the International Accounting Standards Board (IASB) in 1975, IFRS began as an alternative to the American-used GAAP, Generally Accepted Accounting Principles. Today, over 100 countries worldwide use IFRS, most of which joined during the 1980's and 1990's (Larry). In order to fully understand all of the pros and cons of IFRS, one must look at what a country was like before implementing it. In 1981, H. P. Holzer and J. S. Chandler researched the accounting issues in the developing countries of Tunisia, Tanzania, Fiji, Thailand and Pakistan in the enterprise sector, local accounting professions, accounting in the government sector and the education of accounting. What they discovered was horrifying as compared with American accounting; late closings of accounts (sometimes years late), shortages of proper accounting manuals and deficiencies of qualified staff. Specifically, in the enterprise sector, developing countries saw issues of lack of accountants, bookkeepers and even auditors because the businesses could not afford to give as high salaries as the private sector. What staff members they did find were very under qualified and the lack of on job training made this worse. The enterprises' accounting systems were out of date with no accounting manuals or forms. Because of the poor accounting systems, there were absolutely no internal controls, which of course can lead to fraud and abuse. The financial statements that were made were as late as three years old.

Without any proper financial statements, management cannot make proper decisions for the organization and the actual financial position of the business is questionable. This led to lack of international investors interested in the businesses. In order to help improve the situation of the financial statements, auditors had to step in. Because so many businesses needed help from auditors just to complete monthly and annual statements, this created an even worse staffing situation. The governmental sector of these developing countries was just as horrendous, if not worse. Government agencies can only afford smaller salaries than mentioned in the enterprise sector, so staffing is an even bigger problem. The accounting basis is usually cash-based as opposed to a modified or full accrual basis. This basis is very outdated for the needs of accounting in governments. As also with the enterprise sector, financial statements that were made were inaccurate or not even made at all, calling more help for external auditors. With incomplete statements, the finances of the government were uncertain, including foreign debt which had a negative impact on foreign trade. As for the professional accountants of the developing countries, there was still a lack of staffing, although not as much of a concern as in the previous sectors. The reasons for this were different; many accountants that were trained for this sector ended up more often in the richer developing areas of the countries, leaving the poorer developing areas without proper staffing. The staff that did exist was used inefficiently; as stated before, the auditors of the accounting firms were stuck with having to reconcile the inadequate financial statements. The problems of the enterprise and governmental sectors negatively impacted the professional sector with their lack of adequate records and no internal control. Finally, the education sector was where all the problems started. In developing countries in the 1980's, there were few universities that actually offered an accounting program. The programs that were taught, educated students more about the accounting procedures in developing countries. By the time these students were ready to enter the workforce, they discovered that they were unable to fully understand the differences of the developing country's accountancy. The poor education of the students stemmed from a lack of educated teachers, textbooks and properly secondary school educated students (Holzer). The four accounting sectors in developing countries all affect one another with their problems and deficiencies. The solutions to these problems can be solved over time by the improving of education in these countries as well as strengthened accounting standards. The International Financial Reporting Standards would ultimately enable these countries to fix these problems. Today, only three out of five of the developing countries mentioned now have implemented IFRS. Fiji and Tanzania have already fully adopted IFRS while Pakistan is still in the process of converting to it. Thailand and Tunisia still use their systems similar to GAAP, however both countries accounting systems are currently converting to GAAP systems closer to IFRS ("IFRS"). Although not all of these countries have fully adopted IFRS as their financial reporting standards, they are on the way to doing so. This means that the problems in their previous accounting systems are reducing. However, adopting IFRS is not an easy process for a country. Next, we will discover the challenges of converting to IFRS.

There are several reasons why countries decide to convert to IFRS including the desire for foreign investments, smaller costs and the listing of companies in other countries' stock exchanges. The challenges that a country may face in the adoption process include awareness, regulations on reporting, compliance, and training. In the case of Nigeria, university student Abdulkadir Madawaki considers these challenges of implementation. Awareness of IFRS is the foremost important step of conversion. As Madawaki states, "implementation of IFRS requires considerable preparation both at the country and entity levels to ensure coherence and provide clarity on the authority that IFRS will have in relation to other existing national laws" (156). Auditors, accountants, regulators and educators all need to be made aware of the new accounting standards of the country and what it means for them. In order to fully convert to IFRS, countries must be able to make changes in their current tax reporting laws. According to Madawaki, "accounting issues that may present significant tax burden on adoption of IFRS include determination of impairment, loan loss provisioning and investment in securities/financial instruments" (157). These adjustments to current tax laws are complex and can be very confusing, but with a proper regulatory system, can better the accountancy in the country. Some of the existing laws in these countries are also amended or repealed by the adoption of IFRS. While it may be a hard process to reverse some of these laws, implementation of IFRS requires this to be done. Training and education are of paramount importance when a country is converting to IFRS. Education in developing countries of IFRS can cause a problem as there may be a lack of professionally trained educators. This means that there will be a lack of competent individuals in the accounting profession. The accountants that were already trained in old accounting practices will need to relearn the financial reporting under IFRS. Another issue with training is that the costs of accounting manuals are too high for many companies to afford. (Madawaki 156). Fully capable and trained accountants can ensure the proper implementation of IFRS in order to receive its full benefits. Finally the last challenge of implementing IFRS is compliance. Full compliance of IFRS results in more benefits from the standards. Written in the Journal of International Accounting Research, Francesco Bova and Raynolde Pereira research compliance levels of IFRS in Kenya. What they discovered is that there are better compliance levels in publicly traded firms as opposed to private firms. Their reasoning for this is that stockholders in public firms demand better and more concise financial statements than do the stockholders in private firms. This is probably true because public stockholders have more of a tendency to keep up to date with the company's financial statements while private stockholders are less hands on and only request financial statements as needed (Bova 89). More communication of the business to the stockholders will create a stronger need of compliance to IFRS. A weaker compliance in IFRS will overall hurt the firm's financial structure. Proper compliance is needed of IFRS in order to get its full benefits. In the next section, solutions to the issues of adoption and implementation will be discussed.

While implementation of IFRS may cause problems in a country, there are some solutions that could make this better. In regards to awareness, a country's government, its accounting associations, as well as the IASB need to work together to make accountants and others working with financial statements conscious of IFRS' new standards and laws. Awareness will in turn create a more successful compliance rate. New laws and adjustments to previous laws are set in place in the conversion process of IFRS. A proper governing regulatory body should be set in place to ensure that accountants are correctly instituting these laws. Compliance to regulation of new and changed laws will lead to stronger overall compliance to IFRS. Training and education in IFRS is the best way to make individual accountants ready to use the new standards. Universities in countries implementing IFRS need to provide proper education in the new reporting standards. On-site training at work of IFRS can be improved by having affordable accounting manuals and programs. Governments should find ways to be able to attract accounting students and professionals to stay in the developing country for accounting work, instead of going to a more developed country. Perhaps a monetary incentive given to individuals that stay in their home educated country to do accounting would encourage more professionals to stay there. This will ultimately tackle the lack of staff problem as seen in countries before implementation of IFRS. Proper training and education will also in turn improve compliance levels. Finally, compliance levels of IFRS can be improved by auditors and accounting associations making sure of proper compliance. As stated before, more compliance is typically seen with public firms as opposed to private firms. A solution to this would be for private firm stockholders to be more hands on and to more frequently ask for financial statements. The solutions given to the other problems of IFRS also will result in greater compliance. With all the solutions to the implementation of IFRS in place, the higher compliance level will make IFRS more beneficial to the country. More awareness, better regulatory bodies, more education and training of IFRS will result in a higher compliance level which will lead to cheaper costs of operations, more investments from foreign countries by having higher quality financial statements and a higher reputation for companies that are able to be listed on other countries' stock exchanges.

Works Cited

Bova, Francesco, and Raynolde Pereira. "Determinants and Consequences of Heterogeneous IFRS Compliance Levels Following Mandatory IFRS Adoption: Evidence from a Developing Country." Journal of International Accounting Research 11.1 (2012): 83-111. Print.

Gray, Larry, CPA, MBA, and Marc Fogarty, CPA, CFE. "IFRS America International Financial Reporting Standards IFRS." Is IFRS Good for America? EisnerAmper Accountants and Advisors, 9 Feb. 2010. Web. 3 Apr. 2013.

Holzer, Peter H. and John S. Chandler. "A Systems Approach to Accounting in Developing Countries." Management International Review, Vol. 21, No. 4 (1981), pp. 23-32.

"IFRS Adoption by Country." PricewaterhouseCoopers LLP (2012): n. pag. Print.

Madawaki, Abdulkadir. "Adoption of International Financial Reporting Standards in Developing Countries: The Case of Nigeria." International Journal of Business and Management 7.3 (2012): 152-61. Print.

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What to Do Before Looking at Houses for Sale

Looking at houses for sale can be fascinating. When you are looking for your own home, it can be even more exciting. There are a few steps that you must take before you decide to get your own home. Many people waste time or find themselves looking aimlessly for months. Not finding a home when you truly want one can be a frustrating experience. Here is a list of tips and items to take care of before you pick out your dream home.

Getting Financials in Order

Homes are invariably the most expensive trinkets to purchase. When you decide to purchase a home, make sure that you can afford it in the long term and short term. You need to have a down payment for most loans. The larger the down payment, the more home you can buy. Saving for a down payment should happen after you have paid down debt. It is best to pay off things like credit cards and old debts and charge offs before applying for a home loan. If possible, pay down student loan and long-term loan amounts so that they will not interfere with the amount of the loan you may receive.

Check Your Credit Score

Most loans require that you have a certain credit score to make their cut off. Government home loans require at least a 620 FICO score. The higher the score, the better your loan terms will be. If you have a low score, spend a year or two raising your score so that you have favorable loan terms. Paying a lower percent rate on a loan will save you tens of thousands to hundreds of thousands over the life of the loan. The more money you save on the home cost, the better deal you make when buying the home.

Choose Your Neighborhood and Requirements

There is no bigger waste of time than looking around at houses for sale when you do not have a neighborhood or specific type of home in mind. There may be thousands of houses on the market within a city, especially if you live in a large metropolitan area. You can spend a large amount of time looking at homes before finding one for you. Before you go house hunting, make a list of desirable housing traits and neighborhoods. Look at homes that are near these areas and meet your requirements. These will allow you to decrease the amount of time that you spend looking at homes. You want your search to be as specific as possible to find a home that makes you happy. When looking at houses for sale, remember that the end goal is to put you in a home that makes you completely happy.

Get a heads up about houses for sale in Huntsville AL. Learn more at: http://www.hunter-homes.com.

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Be Prepared for the Hidden Costs of Attending Flight School

When we look to buy a certain product such as a new vehicle or buying a plane ticket, there is always that hidden cost clause that is conveniently tucked away on a contract, worded in a couple of paragraphs that is barely visible to the naked eye. The next thing that you know it, you will have to pay extra if you want a pillow or you want to watch T.V. on a long distance flight.

It is the same way if you want to attend flight school to get your pilot's license. It is important to get all sorts of financial information on how much it is really going to cost before you sign a contract with a particular flight school. This way, you can be prepared financially if any hidden costs arise. Before you take a trip to a flight school, it would be really wise to become familiar with aviation terminology and jot down some questions that you would like to ask the personnel there before you agree to attend their flight school.

The first thing that these flight schools will do when they see a prospective student walk through their doors is that they will treat you like royalty. They will bring out the instructors so that you can meet them face to face and once that is over, the secretary or base manager will take you on a guided tour of the facility, view the aircraft that you will be training in and an actual flight so that you can get a feel for the aircraft. Towards the end of the tour, they will discuss with you the endless possibilities of getting a job in the aviation industry as a professional pilot once your training is completed. Once they see that spark of interest in your eyes, they will present additional information such as brochures and an example of what the class schedule will look like once you jump on board. The one thing that the school personnel will share with you at the very end of the tour is the cost of attending flight school. The reason why they do this is because if the flight school personnel mention the tuition before the tour starts, they will scare away a potential student. I will share with you my experience once I started training at a helicopter flight school. I got hooked from a commercial about learning how to fly helicopters and then I met with the secretary, who gave me the very basic information about the school and then I talked with the flight instructors. I was hooked from the get go and then reality hit me when the secretary told about that it was going to cost $80,000 to complete the career pilot program. I remember that I hesitated for a moment and then I told them that I would talk to my wife about this. I got the green light to go ahead with this and start training as a helicopter pilot.

When you start looking into which flight school to attend, be sure to get a full detail of how much the program is really going to cost. Here is a list of some of the hidden costs that you will have to pay for once you start training at a flight school of your choice.

Be prepared to pay for books and supplies.
You will have to pay the instructor for ground and flight lessons.
You will have to pay for the plane rental and other accessories such as oil and headsets.
You will have to pay for the fuel.
You will have to pay a fee for ground and flight exams.
You will have to pay to have your physical done by a certified flight medical examiner in order to receive your medical certificate.
In the end, once everything is said and done, you will be embarking on a very lucrative career. It doesn't matter if you decide to fly in the states or fly internationally, the one thing that matters the most is that you will be part of an elite group of people who have earned their wings. Once you start attending flight school, start looking for other sources such as financial aid, grants, scholarships and loans to help pay for your flight training.

To help reduce the cost of of attending flight school and get your private pilot's license quicker, click here now!

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Do Not Let Your Debt-To-Income Ratio Jeopardize Your Future

Your debt-to-income ratio (DTI) is a measurement of your monthly expenses, divided by your gross monthly income. However, this percentage also factors into your personal lifestyle, in that a high percentage could jeopardize your chances of being able to buy or rent a place to live, purchase a vehicle, or obtain a loan. At the very least, it could make the process a little more difficult, as your credit score tells the tale when lenders conduct a background check into your credit history.

As the word suggests, the "debt" portion of a DTI refers to the revolving expenses from various loans. That includes car payments, student loans, credit cards, and mortgages. These monthly expenses are added up and divided by monthly gross income, which is how the final percentage is calculated. Most lenders want a maximum of 36%, but that number may change depending on your credit score.

For example, if your expenses total $750, and your gross income is $2,500, your DTI would be 30%, which is just below the common threshold. However, say you want to buy a house, and the projected mortgage would be $600, bringing your possible debts to $1,350 a month. Your DTI ratio now skyrockets to 54%, way over the limit. If you find yourself in that situation, all is not lost, but it may take you a little longer to get yourself into your dream house or car.

Depending on your monthly list of expenses, you may want to put yourself on a budget. Take a look at what you purchase on a regular basis. For example, do you go out to eat often? If so, consider cutting back and cook at home more often. Do you have the highest tiered cable, cell phone or internet plans? Downgrade to a lower package, and save a little money. Put the extra money into a savings account, or apply it to your bills. Doing the latter can help pay off those expenses quicker, and also lower your debt-to-income ratio in the process.

If you have not received your refund check, once that arrives, you can also use some or all of your refund amount to pay down some of your expenses. Paying off a credit card reduces the percentage, and increases your credit score. That way, the next time the lender does a background check into your credit, a much lower percentage - and a much higher credit score - shows up, helping you get the house or car you have dreamed so much about.

Author writes about a variety of topics. If you would like to learn more about a background check from Lexis Nexis, please visit http://www.lexisnexis.com/risk/.

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Community Colleges Cutting Back and Universities Raising Tuition - What About Adult Education?

Not long ago, I was talking to an adult education professorette. She specializes in teaching people ESL (English as a Second Language). ESL is completely important for full integration especially for immigrants as it keeps them from becoming economically enslaved for generations. In fact, we have many first and second generation immigrants who don't speak English, and that's a travesty, and it certainly limits their upward mobility in our society and civilization.

Well, she was quite concerned because it turns out that out here in California they are cutting back at the community college level and the universities when it comes to adult education. In the area where I am at, often high schools are used in the evenings for adult school. They use the same classrooms, and a new instructor comes in to teach those types of job retraining things that people need, along with ESL. Without that funding, and without sharing the costs with the high school, the high schools also have a challenge with their budgets, as they lose those economies of scale.

All this is happening at a time when the universities are raising tuition so high that fewer and fewer people are going to be able to abort colleges without taking out huge loans. Worse, many community colleges are cutting back, and the kids graduating from high school can't get the classes they need, or the prerequisite classes so they can go onto a four year University, or even if they can, it takes them longer than two years to get through the program. Often they are a few units short even to get their AA to move on.

Further, as I sit in the local Starbucks and watch the college students from both the University and the community college come in with their homework, they often complain about the increased costs of community classes, textbooks, and wonder how they will ever pay off those student loans once they eventually graduate from the four year University considering the job market. Many of them know that once they do get their degree from the University, there may not be any jobs in that sector.

They too will be economically enslaved just as if they didn't speak English, albeit for a different reason. We have a problem out here in California with our colleges, universities, and adult education programs. I don't believe we are addressing it correctly, nor do I feel that the people in charge now know how to fix it. Rather they are asking for more taxpayer's money and throwing more good money after bad on the taxpayer's dime as they create an even larger bubble in the academic industrial complex. Please consider all this and think on it.

Lance Winslow has launched a new provocative series of eBooks on the Future of Education. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank; http://www.worldthinktank.net

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Personal Loans For Bad Credit: Why Securing Approval Is Easier Than You Think

There was a time when seeking a loan with very poor credit ratings was considered to be practically impossible. But there are lenders around who are willing to grant approval when the purpose of the loan is worthwhile. When seeking personal loans for bad credit management, they are very much open for business.

There are many ways in which a bad credit score can be accumulated, with the most common being late repayments and loan defaults. But these can all be signs of a difficult financial situation, for which a large injection of funds can make a major difference. For this reason, getting approval with low credit scores is a valuable option.

But is getting a new personal loan really the answer to financial problems? How can they benefit a bad credit borrower? And how can approval be secured if the applicant has a poor credit history in the first place?

Advantages Of Getting A Loan

The good news is that getting another loan in the face of a poor credit situation is not a bad move at all. The key is to let the lender know that the purpose of the loan is to make the situation better. For this reason, applying for a personal loan for bad credit management is more likely to end successfully than anything else.

When a single lump sum is secured it can make a major impact on the overall credit situation. For example, existing credit card balances can be cleared, as can student or auto loans. However, getting approval with low credit scores is easier when the sum is modest, say $5,000.

The advantage is that with every debt cleared, the credit score is improved. This means that the interest rate charged on any future personal loan can be secured on much better terms, making it more affordable.

Qualifying And Terms

Practically anyone can qualify for personal loans for bad credit management purposes. However, individual lenders may offer specific loan deals to bad credit borrowers with specific conditions. For example, some lenders will not lend to applicants with credit scores of less than 620.

Subprime lenders usually accept lower scores, as well as online lenders. However, while getting approval with low credit scores means getting a vital injection of funds, these loans will all come at higher interest rates than usual.

The lower the credit score is, the higher the interest rate that is charged on the personal loan. Still, the advantages of getting the funds can outweigh the extra cost greatly if some careful calculation is done in advance.

Advantages Of An Online Loan

This is where the advantage of seeking an online loan comes into play. The task of securing a personal loan, for bad credit borrowers especially, is made a lot easier. This is because online lenders are recognized experts in bad credit lending, with terms and conditions ideally suited to the needs of that niche of borrower.

When seeking a modest sum, like $5,000, the task is easier, with repayment terms as long as 7 years rather than the usual limit of 5 years. This can mean the monthly repayment sum is lower, and since that means it is more affordable, getting approval with low credit scores is more likely.

When seeking larger personal loans, of perhaps $25,000 or so, then the challenge of getting approval is greater. But it is possible if a longer term is secured (10 years), and it is proved the repayment sum is comfortably affordable.

Want to learn more about Guaranteed Bad Credit Personal Loans and Bad Credit Home Loans? Please subscribe to my channel.

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How To Raise A Financially Literate Child

Every parent starts out with an inextricable desire to raise a child who is more successful than the parent. Regardless of how good that parent had it growing up, he or she wants the child to have an easier path than the one the parent traveled. This aspiration is as ageless as time itself. It transcends religion, race, culture, and nationality.

Parents everywhere love their children as much as parents anywhere. Just don't tell that to offspring of African parents; we believe our parents are the most loving parents on earth. That mindset is largely based on the fact our parents overcame multitudinous hardship to raise us. However, history teaches us, some (if not most) of the difficulties people experience in life are self- or society-inflicted. The afflictions come in form of corruption, civil war, having more mouths than one can feed, broken homes, intolerance, avarice, poor health and financial habits. There are things one can do to ameliorate these problems and attain successful individual results. One of the keys to a better outcome is practicing sound financial habits. It's not only a matter of one knowing what to do but also implementing what one knows.

Even in this Eden we reside in with modern conveniences such as 24-hour supermarkets and ATMs, in-house refrigeration, social safety net, reliable electricity, and accessible health care, many of us in Diaspora have come to realize the inherent thrills of being parents. We're waking up to the truth in the Alayi's adage that all roads to Arochukwu are fraught with challenges; that the Hot Chocolate did not mean it when they sang that "heaven is in the back seat of my Cadillac". In my humble opinion, people don't begin to truly appreciate their parents until they themselves become parents, even under the best of circumstances. Any way you slice it, raising a family is a monumental financial endeavor, albeit it a rewarding one.

Part of being better parents is teaching our children the skills they need to live successful lives. In this global village we now live in, it's paramount to learn and practice sound financial life lessons. If a child wants to become financially endowed, she or he needs to learn the positive habits of the rich. Those who ignore these facts of life often pay a heavy price. Yet studies show parents would rather prattle about the birds and the bees than teach money lessons to their children. It does not help when some parents misinterpret the Bible quote: that "the love of money is the root of evil" to mean money is the root of all evil. Some say that "lack'" of money is the root of all evil. If a content person has some reserves, he or she would be less inclined to do just about anything for money. On the other hand, a hungry and desperate saint would sin in no time for that steaming porridge.

A friend Raymond Matthews said it best when he stated: "often in life, what money cannot buy, the individual does not need". That might sound harsh or extreme, but if you rationally think about it, it makes sense. According an antipoverty YouTube video, "At the start of the 21st century, 1.2 billion people live in abject poverty. More than 800 million people go to bed hungry and 50,000 people die every day from poverty-related causes". Na Shakara (lack of money) be dat o, to paraphrase the Great One Fela.

Each child ought to acquire basic financial skills before entering high school. In these times of joblessness, excessive student and credit cards debts, your child is likely to rebound to home and cause you lots of problems later on if you don't arm them with these life-long skills. One of my bicycling buddies once told me that the best thing any parent can do for a child is to help the child become financially independent as soon as possible. Having a good paying job is no longer good enough; your child should know how to manage his or her resources. Per Jim Rohn, "if you work hard on your job, you can make a living [live paycheck to paycheck]. If you work hard on yourself [by acquiring prudent financial skills], you can make a fortune" and have true financial freedom. It's not how much you make that matters, it's how much you save.

As parents, we should be careful about sending mixed financial messages to our children. Parents should not calumniate the importance of money. Desperate persons do desperate things. Some let opportunities pass them by and in desperation they spur their children to accumulate immense student loans or play dangerous sports to fund their college education. What seemed like a good way to "beat the system" today may haunt them and their children for years to come. Ask a few retired athletes or former high-income earners. Google my article: "Should You As Parent Encourage Your Child To Play Dangerous Sports". I laid it all out there.

Start early! "One important thing to remember about children and financial literacy is that it is more helpful to begin teaching children about money early on instead of waiting until high school", per Sara Berthiaum. It is amazing what the human mind can absorb when it is open and eager to learn as children's minds are. That's why they learn languages and new things quicker than most adults.

I credit my parents, particularly my father Lawrence Okoronkwo Ukaoma for teaching me early in life the virtues of saving money. One particular teachable moment is engraved in my mind. I was around 8 years old and the brutal Nigeria-Biafra civil war was raging. I had done chores for a neighbor and was paid in wrinkle-free Biafran notes. Thinking I had become rich, I went to my father and asked him to safe-keep the money for me. He asked me why I could not keep my money. I responded that I did not want to be tempted into spending or losing it. He told me "it was okay to be tempted but I should learn how to control my money because how I manage my resources would determine my altitude in life".

My father also taught me about savings account, stocks (shares), and real estate investment. He made sure I learned that how much one saves counts more than how much one makes. In my early teens, I had an account with then Federal Savings Bank where one could "open an account with just ten kobo". The reader from that era might remember that jingle. The bank was ingeniously operated via post offices. During my teenage years my father would send me to collect rent from his tenants and deposit the funds (and coupons/dividends) in his bank account as soon as possible to earn interest. He taught me to remove my "going out" clothes and put on my "stay at home" clothes as soon as I got home so my good clothes would last longer. He taught me how "a stitch in time saves nine" and how to defer gratification. If it could be done during and shortly after a civil war, it can be done today. Say what one may about Nigeria, I am very grateful for my Nigerian heritage. Most of what sustains me and other folks like me today were learned in Nigeria. I learned good work habits, independent-thinking and content-living from my upbringing in Nigeria.

Developing money saving habits should not be misconstrued as depriving one's self. Rather saving money is a way to develop a nest egg for you (not someone else) to use when you really need it. It is something everyone should aspire to accomplish. Money may not be everything; nothing is. No one should diminish its importance. Like good health, many people may not realize its essence until they don't have it and need it.

Who says sound financial skills are not important in life? Studies show financial issues are at the core of most marital discords. These problems are exacerbated when warring parents use money as ammunition in the battles over their children. Financial education is the beginning and lasting casualty in that no-win war.

Some financial institutions now have a no-minimum saving account. Take your toddler to a financial institution and open a savings account for her or him. Start with doing an online or telephone research to find out the incentive for new accounts. Some banks will give you $25 to $250 for opening an account for your child. Several online as well as brick and mortar financial institutions want to have life-long financial relationship with young people. Let these banks pay up to earn your child's business.

The decision as to how much to give your child in allowance, if any, is yours as a parent. Some give allowance to their child for household chores like cleaning their room, toilet or washing dishes, etc. Others give allowances for no reasons at all. Personally, I give an allowance for chores beyond what my children should be doing as members of the family. And I would make sure the money is deposited in the child's account to "cool down" and earn interest for a while before spending any of it. And if the child needs to spend some money, he or she needs to research it before buying.

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