Choose A Nursing Home

Choose a Nursing Home

There are many ways to find the perfect nursing home, from formulaic checklists to references from friends and family. Sometimes economics or geographical location is the basis for choice. No matter where or how much a nursing home costs, discovering if it is a really good nursing home is a matter of personal experience. Look below for a more hands-on method for choosing a really good nursing home.

Instructions

1. Enter the nursing home through the front door and take a deep breath using both your nose and mouth. A good nursing home does not smell. Even the slightest odor is an indication that this is not the right facility for you or your charge. The lobby of a nursing home should smell exactly the same as the lobby of a hotel.

2. Visit the behind-the-scenes area of the nursing home, including the kitchen, laundry room, staff room, storage facilities and any public bathrooms. Some nursing homes like to give the appearance of hygiene and order when really they are simply masking their own inconsistencies. A quick inspection of those areas hidden from the public eye is a good indication of what to expect from a facility about standards.

3. Talk to the staff and not just the administrator. A nursing home visit usually involves the expected chit chat with the home administrator where the speeches are pat and the answers are meant to please. Speaking with the nurses, custodians, kitchen and activity staff will give a much broader impression of the facility and the contentment levels of the staff.

4. Spend time in the actual room that is under consideration for yourself or your charge. Don't be fooled by the phrase "a room very similar to this one." Check electrical outlets, clearance between furniture, plumbing and panic buttons in the room.

5. Have a meal in the cafeteria. Sit and visit with residents of the home. As you check the consistency and quality of the food, talk with the residences to gauge their level of happiness and any complaints they have with the facility. Every place has problems, but it's about separating surface from concrete faults.

6. Attend several of the activities offered at the facility. Check out quality and attendance levels of scheduled activities. This allows you to see just what is on offer and if the facility has activities suited to yourself or your charge.

7. Drop by the nursing home several times without invitation at different times of the day. Try a day versus an evening visit, an early and a late visit and even a weekday versus a weekend visit. This gives you a broad view of the operation of the facility and lets you visit with different shifts of personnel.

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Prepare For An English Test

Knowing what to expect on the test helps you prepare.

Preparing for a big test can be intimidating, especially if you find the subject challenging. English tests are no exception. Successfully passing any test means studying the concepts covered on the test. An understanding of the subject matter is important, but it is not the only thing you should prepare for.

Instructions

1. Ask your instructor for examples of the test format. Knowing ahead of time if the test consists of essay questions, fill-in-the-blank questions, short answer questions or multiple choice questions helps you prepare. English tests often include essays. Ask your instructor how the essay will be graded to prevent any surprises on test day.

2. Write down the major concepts you need to know. Your instructor may provide you with an outline or may refer you to your text book. Make note of grammar and writing rules that may be included. This is a good time to jot down the parts of speech and a brief definition of each. If are unsure of what material you will be expected to know, ask your instructor.

3. Study the material by outlining the information or creating visual charts, graphs or diagrams. Simply reading through a list of literary terms may not be enough to retain the information. Include major characters in the stories you have read, the literary devices used by the author--such as foreshadowing or flashbacks-- and the author's full name. Creating visual displays of the information often helps with recalling facts.

4. Create flash cards or design a slide show on your computer to review vocabulary words or other important information. Include literary terms and brief notes on books or stories you have covered in class. Add grammar and writing terms, if the test includes them. Include graphics and music in the slide sactivate both visual and auditory memory.

5. Make a practice test or write a summary. If the test contains essays, write a practice essay. Writing a synopsis or summary of the stories you have read refreshes your mind and helps with retaining information. Enlist a friend or parent to quiz you over the information. Ask them to quiz you in the same format as the expected test.

6. Go to bed early and resist the urge to stay up late to study. A well-rested body and mind helps you perform at your best.

7. Eat a healthy breakfast before heading off to school. Your brain needs energy to function properly.

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Identify Inartistic Proofs

Scholars and philosophers of antiquity, such as Cicero and Aristotle, divided proofs into the artistic and inartistic types. If you're studying the ancients or if you want to improve your ability to debate and persuade, you should be able to quickly identify an inartistic proof in logic.

Instructions

1. Use statistics as prevalent and definitive inartistic proofs since statistics represent raw, empirical data. This is the essence of an inartistic proof in logic.

2. Determine whether someone is employing information or proof to prove another logical proof. If so, you can be fairly certain that the proof is an inartistic one.

3. Consider whether the proof is a fact, or an attempt at one. Even if the proof is incorrect, or "unsound" in logical terms, it can still be considered an inartistic proof, as in the case, "The sky is green." Such proofs are valid as inartistic proofs but they are simply not sound and do not actually help advance an argument.

4. Do some background research on the proof to see if it's been used as part of a testimony in a court of law or scientific fact. If the proof has been used legally or scientifically, then it's reasonable to identify it as inartistic, even if it's not actually correct.

5. Understand what an artistic proof is by reading Aristotle's commentary (in his book Rhetoric) on the different kinds of artistic proofs. Then, look at an argument to distinguish between the artistic and inartistic proofs for the sake of knowing which is which.

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Accredited Lpn Schools

Nursing can be a rewarding career.

When searching for a Licensed Practical Nurse (LPN) school to attend, choosing one that is accredited by the National League for Nursing Accrediting Commission (NLNAC) increases the likelihood that a quality education will be obtained and that you will not have any problems obtaining a nursing license from your state's Board of Nursing. Searching the NLNAC's website is one useful method in searching for an accredited LPN school.

Southeast Kentucky Community and Technical College

Located in Cumberland, Kentucky, Southeast Kentucky Community and Technical College offers a a two-semester LPN program accredited by the NLNAC. The full-time program has classes that meet Mondays, Thursday and Fridays during the daytime hours. Clinical rotations are held at hospitals, long-term care facilities, schools and clinics in the local area during the day on Tuesdays and Wednesdays. Though not required, students are eligible to continue their educations in the college's Registered Nurse (RN) program upon completion of the LPN program.

Southeast Kentucky Community and Technical College

700 College Road

Cumberland, KY 40823

606-589-2145

southeast.kctcs.edu

Pueblo Community College

Pueblo Community College, located in Pueblo, Colorado, offers a an LPN program accredited by the NLNAC. The program typically takes students three to four semesters to complete, depending upon how many prerequisite classes the student must complete and his score on the Test of Essential Academic Skills exam. If the student does not pass the TEAS test, remediation must be successfully completed prior to admission to the program. Students must pass three biology classes, one English class and one psychology class with a C or better to be admitted to the program.

Pueblo Community College

900 West Orman Ave.

Pueblo, CO 81004

719-549-3483

pcc.cccoes.edu

Meridian Community College

Located in Meridian, Mississippi, Meridian Community College offers a one-year NLNAC accredited LPN program. The full-time programs admits students twice each year, in the spring and the fall. Classes meet during the daytime hours Mondays through Wednesdays. Clinical rotations are scheduled at hospitals, clinics, schools, doctors' offices and nursing homes in the local area during the early morning and afternoon hours on Thursdays and Fridays.

Meridian Community College

910 Hwy. 19 N.

Meridian, MS 39307

601-484-8745

meridiancc.edu

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Know If A Kindergartener Needs Tutoring

Knowing if your kindergartener needs a tutor can be extremely difficult. She is at the start of her schooling career and has not yet developed study skills or any real past to compare her progress. So, how do you know if your kindergartener needs a tutor? Use these steps to learn spot the signs that your kindergartener is falling behind and might benefit from having a tutor.

Instructions

1. Talk to her. Explain to her that school can be hard sometimes and that you are worried that she may not be comfortable with the reading, spelling or other areas she is learning. Let her tell you her worries while talking about her day.

2. Meet with her teacher or daycare provider to find out the areas that she is getting frustrated with or doesn't like to do. Younger children haven't learned yet to hide things they are disappointed in; they might act out instead.

3. Notice if there are any problems with your kindergartener at home. Does she no longer want to read a bed time story? Does she resist when you ask her about school or what she learned that day?

4. Get a tutor immediately who has tutored kindergarteners before if you see any of the signs that your kindergartener needs some tutoring. It's best to get on top of the problem immediately before it is allowed to develop.

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Social Work College Scholarships

Social work scholarships can help pay for your education.

To be a social worker, you must have bachelor's degree in social work (BSW) or a master's degree in social work (MSW) from an accredited university. Like all college degrees, the education to become a social worker can be expensive. Many students get by on loans, but repaying loans on a starting social worker salary can be challenging. Your best bet is to find a scholarship.

Financial Aid Office

The first place to check for scholarship information is your school's financial aid office. It has information about local and school-sponsored scholarships and can tell you who to contact and apply.

To get help from your school's financial aid office, you must complete a Free Application for Federal Student Aid (FAFSA), so the financial aid officer will have a better understanding of your financial situation. See resources to apply for FAFSA online.

Council on Social Work Education

The Council on Social Work Education (CSWE) offers the Carl A. Scott Books Scholarships, two scholarships per year in the amount of $500 each. Qualified applicants must be in their last year of studies in a BSW or MSW program. They must be African-American, American Indian, Asian American, Mexican American or Puerto Rican. Additionally, they must have a grade point average (GPA) of 3.0 or greater, be enrolled in at least 12 academic hours, and have shown a commitment to promoting social justice. Visit cswe.org for more information.

National Association of Social Workers

The National Association of Social Workers (NASW) offers up to 10 Consuelo W. Gosnell Memorial MSW Scholarships ranging from $1,000 to $4,000 and one Verne LaMarr Lyons Memorial MSW Scholarship in the amount of $2,000. Qualified applicants must be NASW members in good standing, be enrolled in an accredited MSW program and have a GPA of 3.0 or higher. More information can be found at naswfoundation.org.

National Association of Black Social Workers

The National Association of Black Social Workers (NABSW) offers two Cenie Jomo Williams Tuition Scholarships of $2,000 each; four Selena Danette Brown Book Scholarships of $250 each; one Emma and Meloid Undergrad Tuition Scholarship of $1,000 and one Dr. Joyce Beckett Grad Student Tuition Scholarship of $1,000. To qualify for any of these scholarships, applicants must be African- American, be paid members of NABSW, have at least a 2.5 GPA, have demonstrated community service, express interest in social work in the black community and be enrolled for full-time study in an accredited social work program in the United States. Visit nabsw.org for additional information.

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List Of Ivy League Colleges

Sportswriters coined the nickname "Ivy League" in the 1930s.

The term "Ivy League colleges" refers to a group of eight institutions located in the northeastern portion of the United States that have high academic standards and are members of the same athletic conference. Sportswriters coined the nickname in the 1930s, when these schools were battling for football supremacy. Many of the older buildings on the grounds of these schools were and still are covered with ivy vines, which helped inspire the term.

Yale and Harvard

Located in New Haven, Connecticut, Yale University was founded in 1701. The school maintains a major rivalry in all sports, particularly football and rowing, with Harvard University. Harvard is located in Boston, Massachusetts, and was founded in 1636, making it the oldest of the Ivy League colleges.

Dartmouth

Dartmouth College is in Hanover, New Hampshire, and was founded in 1769 with an original goal of educating Native Americans. The school has 39 academic departments and such majors as history, biology, government and economics.

Brown

Originally founded as the College of Rhode Island in 1764, Brown University, in Providence, Rhode Island, is among the oldest colleges in the nation.

New York Schools

Columbia University, in New York, New York, was founded as King's College in 1754 by the Church of England. Cornell, the westernmost Ivy League school, is also the youngest, founded in 1865. The school, located in Ithaca, New York, is the leading producer of doctors in the U.S.

Princeton

Princeton, New Jersey, is home to Princeton University, founded in 1746. Princeton is one of the very few colonial colleges that at the time of its establishment had no association with any particular religion.

Penn

The University of Pennsylvania was founded in 1740 by Ben Franklin. The campus is in Philadelphia, and Penn is recognized for its schools of law and of business.

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College Prep Courses On The Uc Approved Ag Course List

Fulfulling A-G course requirements is the main pathway to admission to the University of California.

If you are a high school student planning to apply for undergraduate admission to one of the University of California's campuses you must fulfill "A-G" requirements, college preparatory coursework the university deems necessary for a successful first year of studies. Requirements fall into seven broad categories lettered A through G, respectively, and must be approved classes at an accredited school. California students must earn a 3.0 grade point average in these courses, with a 3.4 required for nonresident applicants. Requirements are measured in units, the equivalent of one year of study either as a full-year class or two separate semester classes.

History and Social Science

Two units of history or social sciences taken either as full-year or semester courses comprise the A requirement, including one unit of U.S. history or government and the other of world history or cultures. Examples include U.S. history, economics, Latin American studies and European history.

English

You must take four units of English for the B requirement, including both literature and composition. Core grade-level English classes meet this requirement, with other examples being American literature, poetry and creative writing.

Mathematics

Three full-year math classes are required to fulfill the C category, with the university recommending four. One must be geometry or an integrated math course that includes significant geometry. Algebra, statistics and calculus are other examples.

Laboratory Science

You must take two one-year classes that provide foundational instruction in at least two of three science categories: chemistry, physics or biology/life sciences. The university strongly recommends three units of these D category courses. Examples include physiology, medical chemistry and engineering physics.

Language Other than English

For the E category you must complete two, one-year foreign language courses such as French, Spanish, German or Chinese. Classical languages such as Latin and Greek meet the requirement, as does American Sign Language.

Visual and Performing Arts

Dance, drama, music or visual fine arts satisfy the one-year, F category requirement. Examples include theater arts, ballet, band, vocal music, painting and sculpture.

College Prep Elective

Satisfy the one-year G requirement by taking an additional advanced class from one of the A-F categories or by taking an approved elective in a career technical education area such as computer science or business.

Additional Information

California high schools maintain lists of their classes that satisfy A-G requirements, with this information also available online at the University of California's Doorways website. Classes taken by high school students at community colleges through dual enrollment programs count towards A-G requirements.

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Harvard College Admissions Requirements

Harvard University looks for "well-rouonded" applicants.

The first university in the United States, Harvard University in Cambridge, Massachusetts, is renowned for its prestigious professors and rigorous academics. When applying as a freshman for the selective Harvard College--the university's undergraduate component--there are no minimum requirements or a formula for being accepted. Rather, Harvard considers several application components before offering admission to a "well-rounded" applicant. Just over 7% of the applicants for the class of 2013 were accepted. In general, all materials should be submitted by December 1 when the admissions committee begins reviewing; however, the final postmark deadline for all materials (except for standardized test scores) is January 1.

Completed Application

Students who apply for Harvard College must first fill out an application. Harvard College accepts either the Common Application or Universal College Application. These applications collect such information as demographics, academics, honors, and extracurricular activities. It also includes a personal essay. The cost of submitting the application to Harvard is $75, , as of May 2010, but that can be waived if you meet certain financial requirements.

Harvard Supplement

Harvard requires a supplement to the application that is unique to the institution. The supplement collects information about academic goals and interests, class rank, and other details pertinent to your admission. It also provides the opportunity for you to submit additional materials and/or essays that will help paint a more holistic picture of you to the admissions committee.

SAT or ACT Scores

You must submit official scores for the general SAT or the ACT with the writing component. Furthermore, applicants must submit scores for at least two different SAT Subject Tests. These scores may be from tests taken as late as January of your senior year. The last date for an SAT to be taken is January 26, and for an ACT, February 6. However, Harvard recommends taking these tests earlier to provide adequate time for reporting, as well as any necessary retakes, and to allow the admissions committee to review completed applications earlier. According to Harvard's website, "the 25th to 75th percentile of recently admitted classes range from 700 to 790 on the SAT critical reading section and 690 to 790 on the SAT math section." Harvard has also stated that it considers each applicant individually and holistically, not placing undue weight on standardized test scores due to the varying factors that may influence a student's performance on such tests.

Academic Reports

Part of Harvard's supplement is a request for Secondary School Reports and Mid-Year Reports. Your guidance counselor fills out these forms, which report your high school classes taken and academic performance in those classes. Be aware that students accepted into Harvard College generally rank in the top 10 to 15 percent of their class. Harvard College also looks for students who have pursued a rigorous academic career, including Honors and Advanced Placement courses. Additionally, you may submit scores from any Advanced Placement courses in order to supplement your academic information.

Teacher Evaluations

Harvard requires two teacher evaluations. The forms for these evaluations may be found on the general applications. You should choose two teachers who know you well and can attest to the quality of your academic assignments, your participation in class, and your character. Be sure to give your teachers plenty of notice to submit these forms on time.

Tags: Harvard College, admissions committee, Advanced Placement, Advanced Placement courses, application Harvard

Start An Independent College Consultant Business

An independent college consultant needs to have strong communication skills.

The college selection and application process can be overwhelming and time-consuming for students and their families. Independent college consultants provide valuable advice to help students select colleges and apply for and seek financial aid. Professionals with experience in college admissions or recruiting have an advantage but with the proper education, research and networking, newcomers can successfully compete in this business.

Instructions

1. Research the market for an independent college consulting company. Look at any competing companies and determine what makes them successful. Think about ways that you will be able to compete within this market. Research the demographics of your target market.

2. Become an expert in the industry. If you have not worked at top educational institutions in admissions or recruiting , you will need to gain the necessary expertise by pursuing a degree in education. Pursue your masters degree and even a doctorate if you seek to become a well-respected consultant in the industry.

3. Take certification classes to become a certified educational planner. Add this certification to your masters or doctoral degree in education and you are on your way to becoming a respected college consultant.

4. Acquire the necessary skills to advise clients on financing their children's education. Many consultants become certified public accountants (CPAs) or certified financial planners to boost their credibility in the financial areas of their consulting practice.

5. Familiarize yourself with the colleges and universities into which your target market will seeking admission. Visit colleges and network with admissions' officials at as many colleges and universities as possible. The more you become familiar with them, the more effective you will be as a consultant.

6. Attend conferences and other workshops directed toward college consultants. This will provide you with valuable trade skills and networking opportunities.

7. Attend college fairs to network with college-bound students and their parents. Advertise your services in college guides. Many magazines publish college ratings or reviews periodically. Advertise in those publications during the time they run these reviews.

Tags: admissions recruiting, become certified, college consultants, colleges universities, degree education

What Is A Master'S Degree In Child Psychology Called

What Is a Master's Degree in Child Psychology Called?

The master's degree in child psychology is called the master of science degree in child psychology. Students enroll in this program after completing the four-year undergraduate degree in either psychology, sociology or a related field. The master's program usually takes two years to complete.

Pre-Admission

In addition to the completion of the undergraduate degree, applicants to this program must fill out an application, have scores from the General Record Exam, have two recommendation letters, and write an essay stating why they're choosing the programs and their career goals.

Core Curriculum

Every school has it's own curriculum for the master's degree in child psychology, but there are core courses that students often take. These include child and adolescent assessment, developmental psychology and behavioral disorders. In addition, students work on a thesis paper during their final year.

Career Opportunities

With a master's degree in child psychology, graduates can find work as an occupational therapist, school counselor, caseworker in social services, research assistant for government agencies and as teachers. They should also keep in mind that some of these positions require a state license.

Personal Benefits

Aside from the career opportunities, students who get a master's degree in child psychology have the opportunity to help children cope with the stresses of life. For example, a counselor may be the only person a child can trust if he's been abused by parents.

Salary

According to Pay Scale, the average salary for a child psychologist with a master's degree in child psychology earns about $53,000 but your salary may also depend on your years of experience, skills, location and educational level.

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Lowest Cost Law Schools

The scales are the law's symbol for justice.

Law school can be prohibitively expensive, leaving students with extremely high student loan debt that they may be paying off for a long time. It isn't surprising, then, that many people opt for lower-cost law schools in order to save themselves money and get a law degree for less. Also, remember that in-state tuition for students is often a lot lower than that for out-of-state schools.

Under $10,000 per Year

As of 2011, Washburn University, Florida International University, Oklahoma City University, University of Dayton and Brigham Young University all charge under $10,000 per year for tuition. Keep in mind that Brigham Young University is a religious institution and has rigid rules for students to follow. In general, it's a good course of action to research your potential law schools before applying.

$10,000 to $20,000 per Year

Many state colleges offer low-cost tuition (and again, in-state students are often given an even cheaper price). A few of these are the University of Mississippi, University of Wyoming, University of North Dakota, University of Idaho and CUNY-Queens University. These schools will offer you a solid education for a decent price.

$20,000 to $30,000 per Year

Many more state schools fall within this range, including the University of New Mexico, Georgia State University and Arizona State University, which are all well regarded for educational value. In addition, George Mason, William and Mary and Marquette University all perform highly each year on Princeton Review's rankings.

Cost/Benefit Analysis

The Internet Legal Research Group has ranked law schools measured on how quickly students can expect to repay their loans and the quality of jobs after graduation against the cost of tuition. As of 2011, the best cost/benefit schools are the University of Georgia, Brigham Young University, University of Houston, University of Texas and Notre Dame.

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Why Choose A Career In Pharmacy

Why Choose a Career in Pharmacy?

Pharmacists distribute prescription drugs to customers, usually in a retail store setting. They also ensure that their customers understand proper use of prescriptions, as well as side effects and drug interactions. A career in pharmacy offers many advantages, including an excellent salary, an abundance of job opportunities and the satisfaction of helping people on a daily basis.

Significance

A career in pharmacy is a good one for individuals with excellent interpersonal skills who enjoy interacting with many different people. No two days are alike, and the pharmacist will encounter a wide variety of situations, including coronary patients taking many different types of medication, parents needing emergency antibiotics for a child and people buying insulin for their diabetic dog or cat.

Geography

Pharmacists work in clean, brightly-lit and climate-controlled areas. Most are employed in retail stores such as an independent or chain drugstore or a department store pharmacy. Some work a retail counter and also sell non-health-related items. Others work in hospital pharmacies, clinics, nursing homes or mental health institutions. Because of the high demand, pharmacists can choose to work in rural areas, small towns and metropolitan areas--anywhere that fits their preferred lifestyle.

Benefits

The United States Bureau of Labor Statistics sees an excellent job outlook for pharmacists through at least 2016 because of the aging population and an increasing emphasis on preventive care. Earnings are high, with the middle 50 percent of pharmacists in 2006 earning between $83,000 and $108,000 a year. Most positions are full-time and include health insurance, paid vacations and holidays and a 401(k) plan. Some part-time positions are available also, paying significantly higher than part-time work in almost any other field.

Features

Pharmacists have a satisfying job knowing they are helping a great many people with health care. Many are actively involved in monitoring the health and progress of their regular clients and ensuring the safe and effective use of prescriptions. Often they assist with over-the-counter questions regarding the best types of vitamins, painkillers, cold medicines and more. A career in pharmacy also involves continuous learning and professional development.

Potential

Promotional opportunities are good in chain stores. A pharmacist can become pharmacy supervisor or manager at the individual store, then move upward to the district or regional level and even to a position at company headquarters. Pharmacists working in hospitals also can advance to supervisory or management positions. With experience, pharmacists can manage or own their own drugstore, where they continue to fill prescriptions, supervise personnel and sometimes oversee the entire store operation. Those who choose to leave the retail sales field can find work in marketing and sales, research and development or manufacturing and quality control.

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High School Requirements For Premed

Lab sciences are a must for those interested in pursuing pre-medical studies.

While preparing for medical school begins during college, taking the right classes for this arduous path can also start in high school. "Going pre-med" in college means a student completes the courses required for medical school, while simultaneously pursuing a separate and sometimes unrelated academic major. Colleges and universities have different procedures and policies, but all institutions expect strong performance in specific high school subjects from applicants interested in pre-med.

Biology

Biology is the foundation of all life sciences. Colleges expect incoming students pursuing a pre-med program to have ample preparation in this area. You should take advanced placement (AP) biology if your high school offers the class. Taking this class in high school, and scoring well on the AP exam, strengthens your college application. Students have the option to take AP classes during their junior and senior years of high school. The cumulative AP exam occurs in the spring of the high school year with scores ranging from one to five, five being the highest. However, regardless of your AP biology score, colleges and universities require undergraduates to take college-level introductory biology to ensure proficiency in college lab work.

Math

Math is an important class when you're studying pre-med in college. AP calculus AB and AP Calculus BC are the two classes available in high school. AP Calculus AB covers one semester of pre-calculus and one semester of calculus I, while AP Calculus BC covers two semesters of calculus I. Some, but not all, universities allow students with AP calculus scores on either AB or BC above three to place into higher calculus levels. Most medical schools require at least two semesters of college math in calculus and statistics, although some medical schools require two semesters of calculus and an additional semester of statistics.

Chemistry

Just like biology, colleges expect a solid foundation in chemistry during high school from incoming pre-med undergraduates. Taking AP chemistry in high school and scoring a four or five on your AP exam will not exempt you from college chemistry courses. As with all other AP exams, high school students take the test in the spring of the school year that they took the AP course, typically junior or senior year. The lowest score is a one and the highest is a five. Scoring well on your AP chemistry exam demonstrates how serious you are about pursuing pre-med, making your college application more competitive. Medical schools require two years of chemistry during college, including one year of organic and one year of inorganic.

Physics

Physics requires integrating and quantifying information, an attractive skill for any student interested in pursuing medicine. Medical schools require a full year of lab physics at the college level, making a solid high school preparation in physics necessary. Some colleges let you choose either calculus-based or non-calculus-based physics for your medical school requirements. During high school, however, students seriously interested in pre-med should only complete math-based physics coursework. Successfully completing AP physics during high school, and scoring above a three on the exam, strengthens your undergraduate application.

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Law Colleges In Tennessee

Individuals wishing to pursue a career as attorneys, judges or legal professors can obtain a degree from a school specializing in the study of law. The most common degree is a doctorate of jurisprudence or Juris Doctorate (JD). Legal law masters are also available to students who desire to practice law internationally. There are five schools of law in Tennessee for students to choose from. Night school and part-time programs are available.

Vanderbilt University

Vanderbilt University in Nashville offers a rigorous academic program for the study of law. The school offers three degrees: Doctor of Jurisprudence (J.D.), Master of Law (L.L.M) and a Ph.D. in law and economics. Several joint degree programs are also offered, including a join J.D. and medical doctorate (M.D.) and J.D. and Master of Divinity for students wishing to pursue a career in Christian ministry. Admission to Vanderbilt Law is highly competitive. In 2010, Vanderbilt received 4,885 applications for 195 available slots. Students may apply online between September 15 and March 15 for the following fall.

University of Tennessee College of Law

The University of Tennessee in Knoxville offers a Doctor of Jurisprudence degree through its College of Law. Students embark on a three-year program, using the first two years to study theoretical foundations of law, such as civil procedure, criminal law and tort law. In the third year, students can work with in a variety of legal clinics, including domestic violence clinic, environmental law clinic and business law clinic depending on their career aspirations. The college also boasts the Center for Entrepreneurial Law and the Center for Advocacy and Dispute Resolution for students wishing to delve deeper in these areas. Applications can be submitted online.

University of Memphis

The Cecil C. Humphreys School of Law at the University of Memphis offers a J.D. program along with a joint programs in business administration and political science. The university legal clinic provides legal aid to underserved citizens in the surrounding area. Students may pursue a part-time course of study. Applicants from Crittenden County, Arkansas, and Desoto, Marshall, Tate and Tunica counties in Mississippi will be considered Tennessee residents for tuition purposes. Applications must be submitted online.

Nashville School of Law

Nashville School of Law is a night school offering a J.D. program at a discount price. Students spend four years obtaining a J.D. through this program. Courses include accounting for lawyers, advanced legal writing and constitutional law. Applications must be submitted by mail.

Duncan School of Law

Students may also earn a Doctor of Jurisprudence at the Duncan School of Law at Lincoln Memorial University in Knoxville. Thirty hours of pro bono legal services are required prior to graduation from the program. These hours are often used to serve residents of the Appalachian Mountains, who are traditionally underserved.

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Choose Pet Health Insurance

Get Pet Health Insurance

Everyone's talking about health care costs these days -- but sometimes they can be even more exorbitant when your pet gets sick.

If you've ever left the vet's office thinking, "I spend more on my dog's health than I do on my own," or "My cat's 'free' exam turned out to be kind of expensive" -- odds are, you're a responsible pet owner. And like any responsible pet owner -- the thought of pet health insurance has probably crossed your mind. And since your own health insurance (or lack of it) is complicated (and costly) enough -- chances are -- you've put that idea on the back burner -- until your pet gets sick again.

Pets tend to have more medical issues and ailments in their comparatively short lives than we do, so odds are there will be a few visits to the vet. In these tough times; however, shelling out money on yet another monthly bill -- that could be a gamble -- may not seem like the best way to go.

Pet health insurance has, however, become more competitive lately with some more options out there. And what may not have made sense 5 years ago -- may be more feasible today.

The ASPCA, for example, started its insurance program 3 years ago, in keeping with their broader mission of championing animal welfare. According to an article in "The New York Times," one policyholder, for instance, purchased a basic $11-a-month accident policy for her dog, who subsequently racked up a $350 emergency room bill after injuring her leg jumping over a fence. "Insurance helps you plan for the stuff you don't anticipate," this pet parent says.

Another policyholder's 6-year-old adopted greyhound was diagnosed with a rare form of canine lupus that involves an expensive treatment regimen that may even continue after the disease is in remission. She had purchased the Level Three insurance (out of four levels), with a monthly premium of $38.50. The plan pays up to $3,500 per injury or illness (or both) yearly, with a total cap of $10,000. This policyholder has paid a total of $998 in premiums since signing up, but in just the year since her dog's diagnosis, was paid nearly $1,548 in claims. So for her, the insurance paid off.

As in the case of human healthcare, however, there are still those other pesky little issues like: pre-existing conditions, continuing care, necessary vitamins and supplements -- and on top of that -- having to pay up front for what IS covered. So, to insure or not to insure? It's gonna require some shopping around.

And maybe once we agree on reform human healthcare -- a pet healthcare bill will follow. Well, after you purchase that swampland in Florida. So, in other words, don't hold your breath.

In the meantime, here are some ways to make some sense of pet health insurance -- and figure out if it's an investment that's worth it -- for your furry family member and your budget.

Instructions

1. Check online for pet health insurance providers. Two of the largest providers are VPI Pet Insurance, which has been insuring pet owners since 1982, and ASPCA, which offers policies through the Hartville Group. And if you're a member of the Automobile Club of America (AAA), your local club may also offer pet insurance. Yes, you can now insure your hybrid car and your hybrid pooch under one roof. There are about a dozen other companies, including Pets Best, that also provide pet health insurance.

2. Consider your pet's age and breed. Older pets are more expensive to insure than younger ones (or non-insurable) and certain breeds are at a higher risk of more frequent and costly health problems than others (therefore higher premiums). There may be other factors taken into consideration as well, including where you live and whether your pet lives indoors or outdoors.

3. Compare monthly premiums, deductibles, the reimbursement percentage and the benefit schedule. For instance, deductibles can range from 0 to $1,000 (a higher deductible means a lower monthly premium, but more out-of-pocket each time your pet begins a new treatment, and a lower deductible means a higher monthly premium), and certain policies will allow a limited amount per visit or incident, which means you would be responsible for anything over that allowed amount.

4. Know exactly what the plan covers; most policies just include illness and injury. Check whether routine care such as annual exams, vaccinations, teeth cleaning and blood and urine testing may be added options.

5. Check with other pet owners you know that have pet insurance and with your vet for a possible recommendation. When it comes to insurance, it's always helpful to learn from others' personal experiences.

Tags: health insurance, monthly premium, deductible means, gets sick, health insurance, human healthcare

Get A Ged

Passing the General Educational Development (GED) tests is an essential step many adults take to put their lives back on track after dropping out of high school. The GED is actually a series of tests that must be studied for and passed before an individual can be certified.

Instructions

1. Contact your local school district. Many school districts have adult education classes available. The GED preparation classes are commonly taught by teachers or former teachers.

2. Take a pre-test for GED study at the local education offices or adult literacy volunteer organization. Medium to large sized cities have numerous organizations involved in study for the GED tests.

3. Sign up for a GED test study class. The tests can be studied on your own, but it is more effective to have a teacher, especially if you have been out of school for quite some time.

4. Practice taking the tests by going over the dozens of free sample tests available. Taking the test is not free--study to save money and time.

5. Take a test at one of the thousands of GED Testing Centers. These centers certify that the test results are valid and the result can be used nationwide.

6. Score a minimum of 410 points on each test with a minimum of 450 overall to receive the certificate of completion. GED students must score higher than 40 percent of high school students to graduate.

Tags: high school

Graphic Design Courses In Ireland

Ireland has graphic design courses throughout the country.

A variety of schools in Ireland offer graphic design courses, but only one issues a Bachelor of Arts degree in the subject. The other schools' degree courses include a broader area of study that incorporates graphic design, but do not specialize in it. Graphic design courses in Ireland are available at colleges of further education and take one year of study to complete.

Letterkenney Institute of Technology

LYIT offers Ireland's only Bachelor of Arts in graphic design. The course takes three years to complete. To gain entry students must take the Leaving Certificate in their final year of secondary school. Required subjects include art and English or Irish. Subjects covered during the course include photography, 3D studies, image making, web design, design software, image manipulation and visual communications.

Letterkenney Institute of Technology

Port Road

Letterkenny

County Donegal

Ireland

011-353-(0)74-918-6005

lyit.ie

Carlow Institute of Further Education

Carlow Institute of Further Education offers a one-year graphic design course. Upon completion of the course students receive a level-5 certificate from the Further Education and Training Awards Council (FETAC). The certificate qualifies students to apply for further higher education courses at universities and institutes of technology. The course covers drawing, communications and design. Students must pass their Leaving Certificate to gain entry on the course.

Carlow Institute of Further Education

Vocational School

Kilkenny Road

Carlow

Ireland

011-353-(0)59-913-1187

carlowife.ie

Ballyfermot Institute of Further Education

Located in west Dublin, BCFE has a Higher National Diploma in Graphic Design, which takes two years. The course has a strong focus on problem solving with design. It also covers art work using computers, drawing, Mac computers, design software and flash. Entry requirements include the Leaving Certificate with art or a level-5 FETAC certificate in art with a portfolio.

Ballyfermot Institute of Further Education

Ballyfermot Road

Ballyfermot

Dublin 10

Ireland

011-353-(0)1-626-9421

bcfe.ie

Castlebar College of Further Education

Situated in County Mayo in the west of Ireland, CCFE has a one-year level 5 FETAC course in graphic design. The course takes place at the college's Newtown campus and includes computer illustration, drawing, work experience, and desktop publishing.

Castlebar College of Further Education

Newtown

Castle Bar

County Mayo

Ireland

011-353-(0)94-902-3134

ccfe.ie

Bray Institute of Further Education

BIFE is located on the border of south Dublin in Bray, County Wicklow. It offers a two-year Higher National Diploma course in graphic design. The course covers a variety of subjects, including animation techniques, editorial design, packaging design, drawing, and multimedia web authoring. Students applying for the course need to pass the Leaving Certificate with some honors papers and attend an interview.

Bray Institute of Further Education

Novara Road

Bray

County Wicklow

Ireland

011-353-(0)1-282-9668

bife.ie

Tags: Further Education, Institute Further, Institute Further Education, Ireland 011-353-, design course, graphic design

Requirements In Taking The Usmle Step 1

Medical students take the USMLE Step 1 before beginning their clinical rotations.

The United States Medical Licensing Examination (USMLE) is a three-part examination administered to candidates seeking a license to practice medicine. Step 1 of the exam is typically administered after the second year of medical school, although some candidates wait until after graduation to begin the examination process. The exam is open to students and graduates of United States and Canadian medical schools, as well as to students and graduates of certain medical schools outside of North America.

Education Prerequisites

To take the United States Medical Licensing Exam, candidates must first fulfill certain education prerequisites, including a high school diploma or GED certificate, as well as a bachelor's degree from an accredited college or university. Although USMLE applicants are not required to have majored in any particular subject, they must take specific courses in preparation for medical school, such as biology, chemistry, physics, statistics, English composition, biochemistry and anatomy. During their junior year, applicants typically sit for the MCAT (Medical College Admissions Test). Students are tested in writing, physical sciences, biological sciences and verbal reasoning; MCAT scores, undergraduate GPA and other factors such as letters of recommendation and extracurricular activity are considered when determining whether students will be accepted to medical school.

Eligibility

For eligibility to sit for Step 1 of the USMLE, applicants must fulfill one of three qualifications. One, candidates must be a student or graduate of a United States or Canadian medical school accredited by the Liaison Committee on Medical Education (LCME); students must be conferred the MD (Medical Doctorate) degree upon graduation. Two, candidates must be a medical student or graduate of a United States medical school accredited by the American Osteopathic Association (AOA); students must be conferred the DO (Doctor of Osteopathic Medicine) degree upon graduation. Three, candidates must be a student or graduate of a medical school outside of the United States and Canada and meet the examination eligibility requirements as determined by the Educational Commission for Foreign Medical Graduates (ECFMG).

Exam Content

The USMLE is typically administered after a medical student's second year, before students begin clinical rotations, to ensure candidates have fully grasped the classroom and laboratory concepts necessary to begin a medical career. Students preparing to successfully take the test are required to be knowledgeable in the content of the exam. According to the USMLE website, Step 1 of the exam includes questions regarding anatomy, behavioral sciences, biochemistry, microbiology, pathology, pharmacology, physiology, nutrition, genetics and aging. Examinees will also be asked questions regarding the following organ systems: hematopoietic/ lymphoreticular, nervous/ special senses, skin/ connective tissue, musculoskeletal, respiratory, cardiovascular, gastrointestinal, renal/ urinary, reproductive and endocrine.

Tags: medical school, United States, candidates must, student graduate, administered after, Canadian medical

Apply To Radiology School

A degree and training in radiology is a prerequisite for most jobs directing medical imaging technology. The admissions process is different for each school, but there are a few things that you must do to apply to a radiology program.

Instructions

1. Find out which, if any, of your potential radiology schools have individual applications. Some schools still allow you to submit your records and supporting materials directly to their admissions office, but many only look at paperwork that's filed through the Electronic Residency Application Service (ERAS).

2. Tell the dean at your medical school that you wish to apply to a radiology program. Ask him for an electronic token that will allow you to access your ERAS application online.

3. Start working on your ERAS application during the summer, since most programs have an early October deadline. Write a personal statement explaining why you want to go to radiology school, your qualifications and your career goals. Ask the career services department at your school to help update and polish your curriculum vitae.

4. Contact the registrar's office at your current and previous schools and ask them to send official sealed copies of your transcript to the ERAS main office. You may also have to authorize the release of your transcripts on the online application. Take a small digital photo of your face and upload it to your ERAS account.

5. Review your ERAS application online before you submit it. You cannot go back to correct spelling errors once you've submitted the first 12 pages. Select the "Retransmit USMLE Transcript" option if you plan to retake any United States Medical Licensing Examinations and want your new scores sent to the radiology schools.

6. Ask your dean to write a recommendation, highlighting your performance at medical school. Most programs will accept these documents after the October deadline, but all other letters of recommendations must be submitted on time.

7. Update your contact information on your ERAS profile if it changes. Most schools will notify you by email or letter if you are selected for an interview. Keep your schedule open for the first few weeks of January since interviews are difficult to reschedule.

Tags: your ERAS, ERAS application, your ERAS application, application online, apply radiology

United Kingdom Universities That Offer Online Degrees

The United Kingdom is known worldwide for its educational opportunities.

The United Kingdom (U.K.) is comprised of the countries of England, Scotland, Wales and Northern Ireland, with a collective population of just under 62 million residents. Higher education options are bountiful in the U.K., with each country offering a number of higher education choices. In today's society, students pursue their education in a myriad of ways, and those interested in pursuing an online degree from a U.K. institution have a number of programs at their disposal.

University of Liverpool

Liverpool, England, is popularly known for being home to the world famous Beatles.

The University of Liverpool, established in 1881, offers a number of online degree options, including some at the master’s level. Students may choose from one of four fields: Medicine, Information Technology, Law or Management. Each field also has a number of sub-choices. For example, students seeking to obtain degrees in the medical field may pursue either a public health or clinical research administration degree. Information Technology students may study for, but are not limited to, an MS in Internet systems, computer security or software engineering. Law students may study for a master of laws in various fields including international business. The Management degree options include a master of science in corporate finance, or a degree in global marketing. Contact the admissions department with any application questions.

Student Recruitment and Admissions Office

The University of Liverpool

Foundation Building

Brownlow Hill Liverpool

L69 7ZX

United Kingdom

(+44)(0)151 794 2000

http://liv.ac.uk/study/online/

University of Edinburgh

Edinburgh holds a number of historic offerings, including castles and buildings hundreds of years old.

The University of Edinburgh, located in Scotland's capital city of the same name, is one of the United Kingdom's oldest universities, having been established in 1582. The university offers traditional programs in a number of fields, but students pursuing master's level degrees may do so online. There are degree options in the disciplines of Medicine and Veterinary Medicine, as well as Humanities and Social Science. Options in the College of Medicine and Veterinary Medicine include a master of science in equine science or clinical education. The College of Humanities and Social Science offers a master of laws in intellectual property law and a master of science in architectural project management. There are scholarship opportunities for online study as well. Contact either college with questions regarding your degree options.

College of Humanities and Social Science

Postgraduate Office

The University of Edinburgh

David Hume Tower

George Square

Edinburgh EH8 9JX

(+44)(0)131 650 4086

http://www.hss.ed.ac.uk/Postgraduate/

College of Medicine and Veterinary Medicine

Postgraduate Office

The University of Edinburgh

The Chancellor's Building

49 Little France Crescent

Edinburgh EH16 4SB

(+44)(0)131 242 6461

http://www.ed.ac.uk/schools-departments/medicine-vet-medicine/postgraduate

University of Derby

Derby is located in the Midlands.

The University of Derby offers several degree options, as well as 30 courses that may be taken online. These include courses in education, psychology, nursing and business. The university, which was founded in 1993, is located in an area known as the Midlands. Students may begin coursework in either the fall or winter, with some courses beginning in April as well. Most courses may be completed completely online, while others may require some time spent at the university. Contact the university with any questions.

University of Derby

Kedleston Road

Derby

Derbyshire

DE22 1GB

(+44)(0)1332 59050

http://www.derby.ac.uk/

Tags: degree options, United Kingdom, University Edinburgh, Humanities Social, Humanities Social Science

Graphic Interior & Exterior Design Schools

Exterior design is synonymous with architecture.

Graphic designers use the art of arranging types, visual arts and page layout to produce a final product. Interior design is a multifaceted career field that includes creative and technical methods used to create a specific interior environment. Students who study exterior design often choose the career path of an architect. There are schools available to complete the education need for students pursuing careers in these three professional areas.

Exterior Design

The University of Cincinnati has exterior design programs with a focus on architecture on a bachelor's and master's level through the School of Architecture and Design. These programs teach students all aspects and requirements for the exterior of a building. The Bachelor in Architecture curriculum requires all its students to buy Apple Macintosh laptops for the first year computer course. There are Master of Architecture and Master of Science in Architecture degree options, as well.

University of Cincinnati

College of DAAP

5470 Aronoff Center

P.O. Box 210016

Cincinnati, OH 45221

(513) 556-1376

daap.uc.edu/said

Graphic Design

The Academy of Art University in San Francisco, California, was established in 1929. There are both undergraduate and graduate degrees available at the actual campus. Online Associate, Bachelor and Master of Fine Arts degree programs are also available. The outcomes of the BFA program includes students being able to evaluate work in their field using professional terminology and recognize the influence of major cultural and aesthetic trends. The MFA program allows students to acquire the skills necessary to become advanced practitioners. The online degree programs yield associate, bachelor's, master's and online awards of completion that are a result of a personal enrichment program.

Academy of Art University

79 New Montgomery St., 4th Floor

San Francisco, CA 94105

415-274-2200

academyart.edu

Interior Design

Founded in 1916, New York School of Interior Design is billed as a national leader in design education. Students have the option of earning a Basic Interior Design certificate (BID), Associate in Applied Science (AAS), Bachelor of Fine Arts (BFA) or a Bachelor of Arts in the History of the Interior and the Decorative Arts (BA). Master of Fine Arts-Professional Level (MFA-1), Master of Fine Arts-Post Professional (MFA-2), and Master of Professional Studies in Sustainable Interior Environments (MPS) degrees are also an option at this learning institution. Courses for credit are also offered through the Institute for Continuing and Professional Studies.

New York School of Interior Design

170 E. 70th St.

New York, NY 10021

212-472-1500

nysid.edu

Tags: Interior Design, Master Fine, York School Interior, Academy University, degree programs

Careers In Crime Scene Photography

Forensic photographers put crime scenes in focus.

A crime scene photographer, or forensic photographer, photographs evidence at a crime scene for use in court. Knowledge of photography is, of course, a must. Tthough you don't need to be an expert to learn the trade, crime scene photographers use special techniques to provide a large depth of field, capture significant detail and contextualize crime scenes. Crime scene photographers must understand the basics of law enforcement. Many begin their careers as police officers.

Crime Scene Investigator

A crime scene investigator is a police officer or FBI agent who gathers evidence at the scene of complex crimes such as homicide, sexual offenses and robberies. His duties may include photographing evidence for admission in court. In addition, the crime scene investigator must collect, handle and package evidence.

To become a crime scene investigator for a police department, you must become a police officer first. The FBI sometimes uses "unsworn" investigators who have never served as police officers, but most have spent time as agents.

Lawyers and Insurance Companies

Lawyers and insurance companies may use forensic photographers; insurance companies may have them on staff. Specialized companies provide forensic services, including photography, to insurance companies and lawyers to gather evidence admissible in court. Forensic photographers often photograph accidents as well as crimes.

Freelance

An independent forensic photographer may be hired by an insurance company, a law firm or the police to do the investigative photography at a crime scene. Most independent forensic photographers are former insurance company photographers or former law enforcement crime scene investigators. Independent forensic photographers are called on as needed. Their services may be required at any time, day or night, and they cover accidents as well as crimes.

Tags: crime scene, insurance companies, accidents well, accidents well crimes, crime scene, crime scene, crime scene investigator

Pell Grants For Teachers

Teachers need at least a bachelor's degree to teach in most schools in the United States. With the cost of a college education increasing each year, students rely on federal grants and loans to pay some of the costs of tuition and fees. Tuition and fees increased 7.9 percent for public colleges and 4.5 percent for private ones in 2010, according to the "Los Angeles Times," citing a College Board study. Increased Pell Grant funding and other grants now available for teachers ease some of the financial stress on those seeking a teaching degree.

Features

Education students and those who want to teach can follow the career path to an undergraduate degree with the assistance of the Pell Grant. Complete the Free Application for Federal Student Aid and report your financial status. Within about a month, you will receive a student aid report with a score for your expected family contribution or EFC that will indicate your potential for receiving a Pell Grant. A zero score will get the most Pell Grant funding--up to $5,550 for 2010.

Potential

If your EFC is low, contact the financial aid counselor at the college you plan to attend. Inquire about the Federal Supplemental Economic Opportunity Grant to see if you qualify. Pell Grant recipients get preference for the FSEOG, but these supplemental funds are need-based. Students may be full-time or part-time college attendees, and the awards are $100 to $4,000 a year.

Significance

When a shortage exists in a field of study, the federal funding increases to encourage entry into the field. Teachers have an anticipated shortage, and the federal government has increased funding for education of teachers. Pell Grant funds are available regardless of field of study, but special provisions exist for teaching grants. The Teacher Education Assistance for College and Higher Education Grant Program provides grants of up to $4,000 per year to education students planning to teach in schools that serve low-income students

Other Awards

The Academic Competitiveness Grant encourages students to do well in high school and take math, science and academic courses. This award requires an overall 3.0 grade point average and graduation from high school after 2005. The ACG requires application through FAFSA and is in addition to a Pell Grant, providing $750 the first year and $1,300 for second-year college students.

The National Science and Mathematics Access to Retain Talent grant provides $4,000 for the third and fourth years of college for students with a 3.0 grade point average. Availability of the SMART grant depends on field of study, encouraging math, sciences and languages and Pell Grant eligibility. These special grant programs have more restrictions and commitments than the Pell Grant.

Considerations

The Pell Grant is for students pursuing an undergraduate degree who do not already have a baccalaureate degree. Many students who have a baccalaureate degree could teach if certified, and the Pell Grant program has a special provision for certification of teachers beyond the undergraduate degree. Once you complete an undergraduate degree, inquire about teacher certification with Pell Grant funding.

Tags: Pell Grant, undergraduate degree, field study, baccalaureate degree, college students, grade point, grade point average

Consolidate Private Student Loans

Loan consolidation is the process of replacing one or more loans with a different loan. If you have at least one student loan from a private lender, such as a bank or credit union, you can consolidate this loan with any other private student loan. However, you cannot consolidate private and federal loans together, nor can you turn a private student loan into a federal student loan.

Benefits of Consolidation

Borrowers generally seek at least one of three major benefits of consolidating student loans. The first goal is to reduce the number of separate monthly payments by consolidating multiple loans into just one new loan. The second goal is to pay less in interest by getting a consolidation loan with an older interest rate than the original loan. The last major goal is to lower the monthly payment with a lower interest rate, longer repayment term or both.

Prepare to Consolidate

Before applying for a consolidation loan, gather information to help you understand what kind of loan you need. Write down the outstanding balance and interest rate for each of your current private student loans. Add up the outstanding balances to find out how much to borrow with your consolidation loan. Because your interest rate on the loan will be based partially on your credit score, boost your score by getting current on all of your debt obligations and paying down credit card debt, if possible. If you know somebody with a good credit score, ask that person to co-sign on the loan with you to help you get a better interest rate. However, make sure that individual is willing to take joint responsibility with you for the repayment of the loan.

Consolidate

Fill out an application for a private consolidation loan with a bank or credit union. If you like one of your current lenders for your student loan, ask about its consolidation programs. Another option, if you own a home, is to consolidate student loans by taking out a home equity loan. Because this type of loan is secured by the home, it will likely have a lower interest rate than a traditional consolidation loan. However, you are risking your home because you could face foreclosure if you miss payments. Talk to a broker to find out if a home equity loan is a wise option for you. Regardless of the route you choose, continue making payments on your current student loans until the lender sends confirmation that your loan has been paid off by the consolidation loan.

Warning

Consolidating private student loans into a new loan with a longer repayment term might increase the overall cost of repaying your debt. Although the monthly payments on the consolidation loan might be lower than the sum of the monthly payments on the original loans, you could be making these payments for a few years longer than your original schedule. For the most savings, choose the highest monthly payment you can reasonably afford or get a loan with no prepayment penalty and make extra payments when you can afford them.

Tags: consolidation loan, interest rate, loan with, student loan, student loans, private student, monthly payments

Get A Guaranteed Usda Loan

Get a Guaranteed USDA Loan

The U.S. Department of Agriculture (USDA), through its Rural Development program, insures mortgage loans. For homeowners who are buying a home in an eligible area, the benefits of a USDA-guaranteed loan are many: These loans don't require any down payment. Borrowers can rely on gifts from family members or friends to pay their closing costs. And they can include the costs of repairs or improvements of a home in the loan's cost. Fortunately, getting one of these loans is a fairly straightforward task.

Instructions

1. Gather the financial papers that you'll rely on to convince your lender that you have a high enough gross monthly income and low enough monthly debt level to qualify for a USDA-guaranteed loan. Lenders like to work with borrowers whose monthly debt obligations, including their new mortgage payments, are less than 36 percent of their gross monthly income. Make copies of the financial papers listed in the "Things You'll Need" section of this article.

2. Call a mortgage lender and explain that you'd like to apply for a USDA-guaranteed loan. Though the USDA guarantees its Rural Development home loans, it does not actually originate them. Private lenders and banks do that. Be sure to shop around for the lender or bank that promises the lowest origination fees and interest rates.

3. Make sure that the home you'd like to buy is in an USDA-eligible area. You can find these locations, which are spread out across the United States, by logging onto the USDA's home-loan eligibility site (See Resources).

4. Give your lender permission to check your credit. Lenders rely on your three-digit credit score to determine if you are a risky or safe borrower. Lenders consider scores under 620 to be the sign of a borrower who is more likely to default. Therefore, they'll charge these borrowers higher interest rates.

5. Send your lender the copies that you made in Step 1. The lender will study these to make sure that your gross monthly income is high enough and your monthly debt obligations low enough. Lenders generally want your monthly debt levels, including your new mortgage payment, to be less than 36 percent of your monthly debt obligations.

6. Agree to a closing date if your lender approves your USDA-guaranteed home loan. At the closing table, you'll sign the papers that make your new mortgage loan official. You'll also pay any required origination, title and closing fees.

Tags: monthly debt, your lender, debt obligations, gross monthly, gross monthly income, monthly debt obligations, monthly income

English Degree Options

English majors typically study European literary history.

English degree options are available at most universities. Departments with an English program offer the standard courses toward the major, but also provide options for students who want to write or teach as a full-time career professional. In addition, students pursuing an English degree option may elect a minor in another English specialization. Students have a wide range of courses and options available, where they can pursue multiple degrees in the major.

Bachelor of Arts, English and American Literature

Bachelor of Arts programs in English and American literature prepare students for a curriculum centered on literary and theatre history, dramatic literature and the study of critical theory. Students complete courses in both writing and literature to fulfill graduation requirements. Students have the option of also selecting the major as a minor. They enroll in seminar to prepare for the undergraduate thesis. This type of major encourages students to study abroad and complete courses in British politics, art and architecture.

Bachelor of Arts, Comparative Literature

The comparative literature program prepares students to become literary professors of cultural and international studies. Students receive a foundation in world literature in which they study literary classics such as Ovid's "Metamorphosis," prose and dramatic writings. Students who choose this major also find classes on the literary aspects of the bible, African literature, contemporary Asian literature and European literature. Students explore culture, film influences, gender issues and biography through creative writing exercises and group study.

Bachelor of Arts, Creative Writing

The creative writing major is a popular undergraduate program for aspiring professional writers. Students learn the art of writing and structuring dialogue by enrolling in workshops throughout the academic year. To gain entrance into this competitive program, students submit a standard admissions application, writing sample, letter of application and reference letters; they apply to one genre such as fiction, nonfiction, poetry, playwriting or screenwriting. They also complete courses in their chosen genre and additional electives. Graduate creative writing students complete a thesis.

Master of Arts, English with Specialization in Children's Literature

The graduate program in children's literature is a unique major because not many universities offer this specialization -- only a handful across the country do. With this English degree, students earn a standard master's degree in the major by completing literature classes, sitting for a qualifying exam and writing a thesis. The program offers more advanced coursework in literary criticism, but not in the arena of creative writing. Students complete additional courses in the history, literary period and movement of children's literature and study major authors.

Doctor of Philosophy, English

The doctorate program in English is ideal for students who want to enter the field of tenured faculty teaching. The program typically takes four to seven years to complete and students conduct intensive research within their specialization. A doctoral candidate completes the required classes to graduate but also centers his studies on a particular specialization such as American literature, creative writing, and English or British literature. This English degree option is the most comprehensive because it trains students become a professional in the field.

Tags: Bachelor Arts, complete courses, creative writing, English degree, Arts English, children literature

Pfi School Projects

Private Finance Initiative projects fund many new school buildings.

The United Kingdom's "Building Schools for the Future" program intends to improve student achievement scores while updating or replacing deteriorating primary and secondary school buildings with new facilities. Many local authorities have used Private Finance Initiatives to finance the projects. In PFI school projects, developers construct and own the school buildings and lease them to local authorities.

Derbyshire

A grouped PFI project of $46.4 million rebuilt or replaced outdated buildings at Chapel-en-le-Frith and Tupton Hall Secondary School. Students with special education needs have places in an integrated facility at Chapel-en-le-Firth. These projects became operational in 2003.

East Sussex

A $30.4 million PFI project in East Sussex included renovation of four infant/primary schools and construction of a new secondary school in Peacehaven, with occupancy of the new facilities in January 2002.

East Riding of Yorkshire

A $41.6 million PFI contract in Bridlington included consolidation of two secondary schools into a refurbished and renovated building, and renovation of four primary schools. These schools opened in 2003.

Essex

In 2005, Bishops Park College in Clackton-on-Sea opened a new $32 million facility designed to serve 900 students. Despite joining with Colbayns High School in September 2008, Bishops Park College closed at the end of 2009. Reasons for the closure included low enrollment at half the projected number and low achievement scores on standardized tests.

Kent County Schools

Kent County used a $131.2 million PFI contract with the intent of replacing 85 percent of its schools with new buildings. School status as of December 2007 included Aylesford School Sports College near Maidstone fully open, Ellington School for Girls in Ramsgate open, Holmesdale Technology College in Snodland completed with occupancy anticipated in 2008, Hugh Christie Technology College in Tonbridge fully open, The Malling School in East Malling completed with occupancy in 2008 and the North School in Ashford due for completion at the end of 2007.

Lewisham

Completed in 1999, the $7 million Lewisham PFI project included kitchen renovations and provision of catering by Chartwells, a private company contracted to provide meals, catering and meal deliveries.

Manchester

A $5.9 million PFI project included construction of a replacement primary school in the Cheetham Hill area of Manchester and the release of land for development, with completion accomplished in 2001.

Brighton

East Brighton College of Media Arts closed in 2007, resulting in a $7.2 million payment by the local Brighton authority to dissolve the PFI contract.

Belfast

In Belfast, the local council will pay $590,000 per year until 2027 on its PFI contract for Balmoral High School in Belfast, which closed in 2007.

Tags: school buildings, with occupancy, achievement scores, Bishops Park, Bishops Park College

Financial Aid For Beauty Colleges

There are several financial aid options open to students of beauty schools.

Just because cosmetology school, or beauty school, is not a four-year college does not mean that the same financial aid opportunities do not exist. In addition to private loans and payment plans, there are both federal and private funding options that may supplement or cover the entire cost of beauty school.

Scholarships

There are various scholarships available for cosmetology education. The American Association of Cosmetology Schools (AACS) is a good place to start as it often have the most up-to-date and relevant scholarships listed. AACS generally awards scholarships to schools it certifies. Examples include the Farouk Systems USA/AACS Cosmetology Scholarship for $1,000, six of which are awarded to students attending AACS schools.

American Association of Cosmetology Schools

9927 E. Bell Road, Suite 110

Scottsdale, AZ 85260

800-831-1086

www.beautyschools.org

ACE Grant

An Access to Cosmetology Education (ACE) Grant is available to those with a high school diploma or GED certificate. The grant can only be used for schools certified by the American Association of Cosmetology Schools, and the school determines who is awarded a grant as well as the amount. The grant does not cover the full cost of tuition, but it does not have to be repaid. It is only available for new students, not for continuing education or to repay loans, however, if a student is pursuing another license in a new area (nail technician, instructor, etc...) he may apply. To apply, you need to complete an application, a salon assessment, and provide a copy of your high school diploma or GED certificate.

Federal Pell Grant

Federal Pell grants are available to undergraduate and vocational students studying at accredited schools. These grants, available through the U.S. Department of Education, do not need to be repaid. They do not cover the cost of registration, supplies and locker fees, but will cover tuition and books. In order to determine if you are eligible you must complete a free application for federal student aid form online. The grant is typically awarded based on financial need based on the student's individual income, their family's income, and the expected family contribution. In 2009, around 7 million grants were awarded with an average award of $3,611. The 2009 stimulus bill increased Pell grants by $17 billion and raised the maximum amount awarded from $4,731 to $5,350.

Tags: American Association, American Association Cosmetology, Association Cosmetology, Association Cosmetology Schools, Cosmetology Schools, beauty school, diploma certificate