Become a Travel Agent. Free on-line Travel School. Travel Jobs #airfare

#travel booking

Learn How to Become a Travel Agent, Work from Home

Becoming a travel agent is a golden opportunity to help people secure the best possible arrangements while learning more about wonderful worldwide tourist destinations. However, it can be a lot of work to even get hired by an agency.

If you are wondering how to become a travel agent without the fuss of requirements and restrictions, then perhaps you will be interested in being an agent that works at home. AARC Host Agency has the resources you need to become an online travel agent, eliminating the need for you to physically report for work. Be your own boss and earn a living booking trips from the comfort of your own home.

Why Should You Be a Home-Based Travel Agent Through AARC Host Agency?

Although there are other ways to secure exciting travel agent jobs on your own, there are perks if you decide to join us, such as:

  • Free Travel Agent Training.

AARC Host Agency will handle your training, ensuring that you have the necessary know-how to open and run your own online travel agency. With us, you will learn how to book flights, cruises, tours, and accommodations. You will also learn how to find clients on the web, and group travelers to arrange profitable deals, and much more. We want you to be competent enough to run your own travel agency and genuinely enjoy your work.

  • State-of-the-art Technology.

    Once you fully grasp the role of a travel agent, we can then supply you with your travel agent tools, such as client booking software. Why pay for these tools if you can receive them for free through us?

  • A FREE Lucrative Website that Draws Consumers

    With our pre-made website resources, it should not take too long until you start attracting customers. Your consumers will be able to book their travel arrangements on your website while you earn a profit.

    If you work with us, you can opt from 70% to 90% of all commissions earned from your sales.

    Our host agency is recognized widely by the industry, allowing our members to enjoy reduced costs when dealing with travel authorities such as CLIA, NACTA, ASTA, OSSN, ARTA, PATH, BBB, IATAN, TRAMS,, NexCite and Passport Online.

  • The Capability to offer Great Deals

    You have access to exclusive rates and vacation deals unique to our host agency. As a member of our agency, you will have access to our agent-only website, containing listings of these coveted travel specials .

  • Access to Discounted or blocked Cruise Cabins

    You can access blocked group cruise rates via our agent-only website. Use our resources to search the perfect cruise for your client.

  • AARC Host Agency Does NOT Charge Start-up Fees .

    When join our network of travel agents, you earn income from great commission. We only require you to be bonded to ensure that your clients can completely rely on you.

  • On-Going Training and Support

    We will guide you along the way as you take on one of the most innovative travel industry jobs there is. If you need further help, we will provide assistance upon your request.

    Travel agents are often invited to go on cruises and vacation destinations around the globe for free or at special travel agent rates. You can enjoy this perk once you become a travel agent with us.

  • If you are looking for fun travel agency jobs, we highly encourage you to consider our host agency’s offer. We want to be your partner to help you make the most out of your career as a home-based travel agent.

    According to the Oprah Winfrey show.


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    Book Me A Flight – Book cheap flights in Australia and

    #book a flight cheap

    Cheap Flights Australia

    If you are looking for cheap flights departing from Australia then you are in the right place. Book Me A Flight make finding the cheapest flights that best suite your needs in a quick and easy task that can be done on the internet in the comfort of your own home.

    Like most people we love to go on holidays but one thing that we don t like is having to spend a huge amount of money on airfares to get to our destination. That is why the team at Book Me A Flight have teamed up with many of the worlds biggest and best airlines and compare them. We take all their flights and prices and put them together in the one place to you can see which one is the cheapest and best for you. With our search, comparison and booking system it is simple to get the cheapest flights and have that little bit of extra cash to spend on something special on your holiday.

    Unlike many flight bookings sites we specifically target only flights departing from Australia both domestic and international as we want to get our fellow Australians the best possible deal around.

    If you are going on holiday or simply a business trip and are after a cheap flight then Book Me A Flight is the place to get it. Simply fill out your departure location, destination and dates and let us do all the hard work and show you all the flights available. When you have found the cheap flight that best suites your needs simply click the continue button where you will be redirected to your airline of choice to finalise your booking.


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    Auto A #a #c #system #repair


    Auto A/C Service at Firestone Complete Auto Care

    How does Firestone Complete Auto Care inspect my A/C system?

    We use a customized machine (RTI RHS980 ) that has been specifically designed to test and diagnose any and all automotive A/C problems. If we suspect a leak we’ll install a special UV Dye visible by black light or use “ sniffer ” to detect leaks. This device is run along the outside of your A/C system parts and can detect any refrigerant fumes and residue that have breached the A/C system.

    Do I need an appointment to have my A/C inspected?

    Stay cool. An appointment isn’t necessary to provide a comprehensive A/C Performance Check, but a service appointment can be made for your convenience.

    How long does an A/C Performance Check take?

    Well, you’ve guessed it, most A/C repairs occur during the hottest days of the year. Let’s just say, when it rains it pours car A/C repairs. And when the weather heats up is usually when most people realize their A/C isn’t working. The inspection and testing process alone can take at least 30 minutes—and that’s if there is no problem or it’s an easy problem to spot (are you feeling lucky?).

    In many cases, should any work be required on your A/C system, you’ll have the convenience of having the recommended services performed that same day. So don’t sweat it. No additional appointments are necessary. We’ve all got busy lives. Drop your vehicle off and we’ll give you a ring when it’s done so you can get on with your day while your vehicle is getting the full A/C treatment. Want to wait? Pull up a chair in our cozy customer lounge and chill out in our A/C while we fix your A/C.

    Why do I need A/C in the winter?

    Because scraping the inside of your windows is even less fun than scraping the outside! Seriously, not only does your air conditioning system provide cool air in the summer, it also de-humidifies the air, eliminating moisture when you’re running the defroster in the winter. A properly functioning A/C system is especially important in the winter to eliminate moisture that fogs up or freezes on the inside of the glass preventing you from seeing clearly.

    Get rid of your winter A/C frustrations.

    What is included with your A/C Service?

    We offer four A/C services to keep you cool and comfortable:

    1. A/C Performance Check
      This is our most basic service. We’ll determine the condition of your A/C system and whether or not you need any additional work performed. An A/C System Performance Check includes:
    • Visual Inspection
    • Performance Test
    • Pressure and Leak Test
  • A/C Evacuate and Recharge Let’s bring back the chill. With any A/C repairs we perform, we will also perform an A/C Evacuate and Recharge. With the A/C Evacuate and Recharge we’ll:
    • Recover any remaining old refrigerant from your A/C system.
    • Evacuate system according to your vehicle manufacturer’s procedure for proper evacuation.
    • Recharge A/C system with proper amount of new or recycled refrigerant.
    • Verify System is performing well by checking pressure and temperature control.
  • A/C Retrofit from R-12 to R-134a
    Need a change for the better? Even if your vehicle’s designed with the old refrigerant, R-12, we’re fully equipped to retrofit your vehicle for R-134a. With this retrofit you’ll have an environmentally friendly A/C system, free of all ozone destroying CFCs (Chlorofluorocarbons).Your A/C System Retrofit includes:
    • Visual inspection of your current A/C system makeup
    • Testing the A/C system’s current performance
    • Recovering R-12
    • Repairing A/C system to accommodate R-134a
    • Installing new Accumulator/Drier
    • Installing service port conversion fittings
    • Adding the proper amount of R-134a compatible oil
    • Performing deep evacuation
    • Charging the A/C system with R-134a
    • Conduct performance test on new retrofit A/C system
    • Apply retrofit label to certify system as R-134a compatible
  • A/C System Repair/Replacement
    We service most makes and model domestic or import. We can replace:
    • O-rings, seals, hoses and lines
    • Compressors and compressor clutches
    • Evaporators
    • Condensers
    • Orifice tubes and thermal expansion valves
    • Driers, receivers and accumulators
    • Switches, solenoids, relays, control modules and blend doors
    • Blower motors and blower motor resistors
  • All our A/C services and repairs come with a 12 month/12000 mile warranty (whichever comes first).

    Do you service A/C systems on Hybrid Vehicles?

    If your Hybrid is equipped with a standard, belt-driven A/C compressor, then we can service your vehicle.

    Note: Currently, we do not service Hybrid vehicles with electrically driven A/C compressors.

    What special equipment do you use when servicing my A/C system?

    The RTI RHS980 is the brains behind the complicated equations and chemical analysis performed during an A/C system test. This machine is standard in all our Firestone locations and is the most trusted and accurate way to detect any potential A/C system problems. Without this equipment, a lot of hard to detect problems would either go unnoticed or take a lot longer to detect.

    How are Firestone technicians trained to service A/C systems?

    Not any technician off the street can service an A/C system. Really. it’s the law. Any person that wants to service an A/C system must first receive proper training and pass a certification test conducted by the Mobile Air Conditioning Society (MACS ).

    MACS was created in 1990 after the EPA required special certification for any technician servicing any A/C systems. The MACS certification test is designed to gauge the technician’s knowledge on properly recovering and recycling refrigerant. Refrigerant is a highly volatile and dangerous substance requiring certification by the EPA.

    Although the MACS test is not designed to evaluate the skills necessary to repair or service an A/C system, here at Firestone Complete Auto Care, we go a step further.

    With our own onsite training, our technicians receive the complete training regimen necessary to understand and successfully recharge and repair any car, truck or SUV A/C system part.

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    Adding a named driver on car insurance #adding #a #car #to


    Adding a named driver on car insurance: all you need to know

    If your friend asks to borrow your car for the day, or you want your daughter to be able to drive your car, you need to make sure that appropriate insurance is in place. Here we answer your questions on additional, named drivers.

    What is a named driver?

    A named driver is a someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver.

    Can I add another driver to my insurance policy?

    Yes. You can normally add one or more drivers to your existing car insurance. If it’s a new policy, you can simply provide the details when you take out the cover.

    What will the insurer need to know about the additional driver?

    The insurer will typically want to know the name, age, marital status, address and occupation of any additional drivers. Plus, you will have to give information about any accidents or motoring convictions.

    How much does it cost to add a driver to my policy?

    If you are adding a driver to your existing insurance, you might have to pay a fee to amend the policy, which could be about £30. The effect on the premium depends largely on the risk profile of the additional driver. If you are a parent and want to add a young driver to your policy, the price could be high because younger motorists are statistically riskier than older drivers. On the other hand, if you have just passed your test and want to add your mother or father to your insurance as a named driver, you could earn a discount on your premium.

    Is the additional driver different from the main driver?

    Yes – and you should not confuse the two. Some people put the additional driver down as the main driver in order to reduce the insurance premium (usually a parent claiming to be the main driver on one of their children’s policies). This is a practice known as ‘fronting ’, which is illegal and could lead to a criminal conviction. It could also invalidate your insurance and make it more difficult and more expensive for you to buy cover in the future.

    What happens if the additional driver has an accident?

    If the additional driver causes an accident in your car and you have to make claim, it will affect your no claims discount, even if you were nowhere near the vehicle at the time.

    Can I add a driver onto my policy permanently?

    You can normally add a driver for the duration of your policy. Alternatively, many insurers allow you to add a driver temporarily. The temporary period is usually about 90 days, though it does not have to be taken all at once.

    Can my insurer refuse an additional driver?

    Some insurers automatically refuse to cover learner or young motorists as additional drivers. If the person has a poor driving history, they might also be turned down. Some insurers will charge a high amount as a way to deter you from adding a driver they don’t want to insure.

    Do I need to tell the driver that I have added their name to my policy?

    Yes. You cannot add a driver to your policy without their permission. So, always ask first. This is another defence against ‘fronting’.

    Should additional drivers inform their own insurers?

    If the additional driver has their own policy, they should tell their insurer that they are covered to drive another vehicle as an additional driver.

    Do I need to bother adding drivers to my policy if they already have their own insurance?

    Some insurance policies cover the main policyholder to drive another vehicle with that vehicle owner’s permission. However, it is not always the case, and any cover is likely to be third party only, even if the main policy is comprehensive. You should not therefore assume that adequate insurance is in place.

    Can I include additional drivers when I search for motor insurance quotes?

    MoneySuperMarket’s comparison service allows you to name up to three additional drivers when you are looking for the best deal on your motor insurance. So the price you are quoted will reflect the actual scope of the insurance you’re looking for.

    I’m a named driver on another car, can I drive it in other EU countries?

    If you’re a ‘named’ driver on someone else’s policy, you can drive abroad, although you’ll most likely only have third party cover, so you might want to pay for more protection. Remember the main driver must do the majority of the driving, so if you drive the car more than them (say you cover more miles during the trip), any claim you have to make could be challenged.

    Did you enjoy that? Why not share this article

    • Share this article on Facebook
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    Contact at Moneysupermarket House, St David’s Park, Ewloe, Flintshire, CH5 3UZ. © Ltd 2013 Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700

    Here’s some important information about the services MoneySupermarket provides. Please read and retain for your own records. About our service

    We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our Cookie Policy


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    Handicapping Your Odds Of Getting Into A Top MBA Program #how


    Handicapping Your Odds Of Getting Into A Top MBA Program

    by: John A. Byrne on April 18, 2014 | 41 Comments 115,054 Views

    She’s a 27-year-old American who is fluent in five languages and has been working as an analyst for the past three years at one of the big three consulting firms. This young professional has with a keen interest in international development and education and wants to return to her employer to continue her consulting work in emerging markets and non-profits.

    He’s a 25-year-old business technology analyst at a top five consulting firm. With a 760 GMAT and a 3.5 GPA from a major public university, he is hoping to use the MBA to make a career switch to corporate finance at Facebook or Google. But he s fearful that will torpedo his MBA application hopes so he plans to tell schools that he wants to upgrade to another consulting job at McKinsey, Bain or Boston Consulting Group.

    For the past three years, this 26-year-old Asian female has worked as a senior equity derivatives specialist at Bloomberg LP in New York. With a 710 GMAT and a 3.4 grade point average from a Top 20 liberal arts college, she hopes the MBA would help her make the transition to a bulge bracket bank like Goldman Sachs or Citi.

    Sandy Kreisberg, founder of

    What these applicants share in common is the goal to get into one of the world’s best business schools. Do they have the raw stats and experience to get in? Or will they get dinged by their dream schools?

    Sanford “Sandy” Kreisberg, founder of Boston-based MBA admissions consulting firm, is back again to analyze these and a few other profiles of actual MBA applicants who have shared their vital statistics, work backgrounds and career goals with Poets Quants. This time he gives one Harvard Business School candidate 50%+ odds, a true rarity, even though her equivalent GMAT score is actually below 700.

    As usual, Kreisberg handicaps each potential applicant’s odds of getting into a top-ranked business school. If you include your own stats and characteristics in the comments, we’ll pick a few more and have Kreisberg assess your chances in a follow-up feature to be published shortly. (Please add your age and be clear on the sequence of your jobs in relaying work experience. Make sure you let us know your current job.)

    Sandy’s candid lowdowns:

    Ms. Dual Degree

    • 328 GRE (169V/159Q)
    • 3.9 GPA
    • Undergraduate degree from a Top 20 university
    • Work experience includes three years as an analyst for a top consulting firm (think McKinsey/Bain/BCG) with top ratings, and two years on the strategy team of a “big name” educational tech non-profit in Silicon Valley
    • Internships in international affairs at the State Department, for international development non-profits, and work experience in more than four countries
    • Extracurricular involvement as a board member of a mid-size non-profit in California and pro-bono consultant for non-profits.
    • Fluent in five languages
    • Short-term goal: To return to employer and continue work in emerging markets and non-profit organizations
    • Long-term goal: To lead program/operations for a successful international development organization with a focus on education and literacy
    • “Applying to joint MBA/MA (Education, Int l Affairs) and joint MBA/MPP programs; will apply Round 1 to all schools”
    • 27-year-old American female

    Harvard: 50%+
    Stanford: 40%+
    Wharton: 40% to 50%

    Sandy’s Analysis: You’re a very impressive candidate.

    If there is a student who could successfully present a GRE, it’s you because you’re applying for a dual degree. Your GRE score translates to a 690 GMAT and you are obviously interested in top schools like Harvard, Stanford and Wharton. If you are going to present a 690 GMAT, you are better off reporting it as a GRE score because it won’t hurt a school’s ranking. That is just an issue for general consumption.

    You have a resume full of prestige organizations and schools. And your story about what you’ve done and what you want to do makes sense. It is a tightly-knit story..

    You’re a class act. You have such a tight narrative that the dual-degree may make sense for you. But I personally don’t recommend getting a dual-degree. I think it is a waste of a year and a waste of money. Here’s why: If you are shrewd about the way you handle the MBA, you can get the schmooze value of the dual-degree your second year. For instance, let’s say you want to go to Harvard Business School and the Kennedy School. My advice is just go to HBS and spend your second year schmooze around the Kennedy School. You can make all the contacts and you can save yourself a year of tuition and a year’s worth of income. In your second year, you could take a good number of the Kennedy school courses by cross registering there.

    You have real Stanford DNA. The only boo-boo is your low GRE, but I think your chances are really good and even better at HBS. Wharton may say, What is this person doing here? Wharton has a special person who recruits people for social enterprise, but Wharton might take a close look at this and say this gal is going to Stanford or Harvard.


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    KCP Occupational Psychologists #knight #chapman #psychological, #kcp, #bps #rqtu, #rqtu, #psychometrics,


    KCP is a consultancy of Occupational Psychologists and Test Publishers. We develop and publish online ability tests, personality and motivation questionnaires and assessment centre exercises. We are BPS RQTU Verified Assessors offering totally online training for Assistant Test User, Test User: Occupational Ability, Test User: Occupational Personality. We also offer online training in Assessment Centre Techniques and Behavioural Interviewing Skills. Our consultancy services embrace individual and group psychological assessments for use in selection, development and counselling.

    Testing and Assessment

    Aptitude and ability testing

    Personality and motivation assessment

    Resilience and adaptability

    Leadership and management skills

    We develop bespoke tests, personality questionnaires, 360 degree feedback tools and assessment/development centre exercises for client organisations.​


    We provide assessment and counselling for employees with performance issues, and we also help to identify the characteristics associated with outstanding management performance. ​​

    Team Effectiveness

    We work with teams to help improve their leadership effectiveness, communications, cohesiveness and their fit with organisational values and culture.


    HR Director

    “Andy and all the team at KCP Ltd provide a first rate service for companies who wish to use psychometric tests within their selection or development programmes. Their expertise, training and support make them second to none. I have no hestitation in recommending Andy and the team at KCP Ltd.”

    Business School Lecturer/Consultant

    “Thanks for an excellent week of training. All of us in the room have spent a fair while in the training business, so have run and seen loads of courses – I would rate this right up at the top”


    “I am so happy I found KCP’s totally online training course for the British Psychological Society’s certificates in ability/personality testing. I needed to learn at a distance and Hong Kong to England is certainly that. KCP’s staff are truly helpful and patient with all queries. The teaching material is very interesting, easy to comprehend and logically organised. I actually enjoyed doing these courses. I can highly recommend this course to anyone with or without distance learning needs.”

    Contact us


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    How to Invest in Commodities: 12 Steps (with Pictures) #what #is


    How to Invest in Commodities

    Commodities are raw materials used to make other products. These range from agricultural (wheat, corn, soy) to metals (gold, silver, copper) to energy (crude, natural gas, heating oil) and more. Importantly, commodities are standardized across producers with the use of minimum quality standards, called basic grades. This allows them to be interchangeable and grants each type of commodity a value that can fluctuate with the movements of the global market. [1] Commodities investing is the way in which investors, from individuals to large banks, can make money trading commodities and commodity securities by taking advantage of these movements. This article provides a simple overview of the complex world of commodities investing.

    Steps Edit

    Part One of Three:
    Getting Ready to Invest Edit

    Determine how much money you are ready to invest. The commodities market is a very risky place to invest your money, with potentially large gains balanced by equally large potential losses; ; commodities should therefore be a portion of your long-term holdings. Investing in commodities is safest as a part of a large and diversified portfolio that also includes other forms of investments. [2]

    • Commodities can actually reduce overall risk as a part of a diversified portfolio because their movements often are uncorrelated with the fluctuations of other types of securities. [3]
    • Before you invest in commodities, it is recommended that you first get involved in the more elementary areas of investing in the stock market. See how to Invest in the Stock Market for more information.

    Open a brokerage account. In order to trade any securities, including commodities-based ones, you will need the help of a stockbroker to establish an account in which to hold and trade such securities. A brokerage account will allow you to deposit money that can then be invested in securities on your behalf by the brokerage firm. [4]

    • Note that this is not the case if you are planning on simply investing in physical commodities. For example, you can simply buy and store gold on your own as an investment, without entering the securities market at all. However, it is not realistic for most investors to take delivery of larger or more perishable commodities like oil or wheat, this may be more difficult. Investing in securities instead will spare you costs of shipping and storage that can be incurred while trading physical commodities.
    • As with any investment plan, first make sure you have enough saved in your emergency fund (3-6 months of expenses) for unexpected costs, such as job loss, illness, injury, etc. Also set aside in cash any amount needed for upcoming planned short-term expenses (automobile purchase, down-payment on a home, for example) in the next 1, 3 or even 5 years.

    Deposit money into your brokerage account. Be conservative with your first commodities investment; there’s no need to put large sums of money into a market unknown to you. It’s best to gradually build up your position in the commodities market, as this lowers risk. [5] Alternately, you can sell off shares of stock of mutual funds that you already own to finance your commodity investment.


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    10 Places to Get a Free Business Education Online #small #business


    10 Places to Get a Free Business Education Online

    Getting a business education doesn’t have to be expensive. An increasing number of colleges, universities and even nonprofit organizations offer free business courses online. Find out how you can sign up for these courses and what you can get from them.

    Online Business Courses for Credit

    Online business courses that don’t require students to register or pay tuition are plentiful, but these courses don’t lead to college credit. Students who would rather earn credit for the courses they take online might want to consider resources that charge a fee in exchange for access to online course offers this form of distance learning through its quick and informative video lessons and corresponding self-assessment quizzes. Students also have access to free transcripts for the video lessons.

    Students can start with Business 101: Principles of Management which include chapters like:

    • Management Basics – Study different managers’ roles and examine the four functions of management.
    • Leading in Organizations – This chapter explores the difference between leadership and management and how the two work together. Various leadership styles are also covered.
    • Marketing Philosophies and Ethics – Learn about marketing versus sales, corporate responsibility and cause-related marketing.
    • Consumer Decision Making – Topics include consumer behavior theory, the purchase process, cognitive dissonance and consumer buying influences.
    • Network Systems Technology – Examine client/server systems, network operating systems and wireless computing devices in this chapter.
    • Systems Development – Subjects include life cycles, graphical user interfaces, application development processes and project management tools.

    Free Online Non-Credit Business Courses

    Massachusetts Institute of Technology

    MIT OpenCourseWare might be the next best thing to getting an MIT education for free. Through these free online publication, students can find bachelor-level and master-level courses business courses offered by MIT’s Sloan School of Management

    • Undergraduate and Graduate Business Courses include online lecture notes, videos, labs demonstrations and more. No registration is required and more than 150 courses are available.

    The U.S. Small Business Administration

    The Small Business Administration has one of the best selections of business courses on the web. Topics include everything from starting a business and business management to government contracting and international trade. Most courses take only 30 minutes to complete.

    • Financing Options for Small Businesses centers around determining financial needs, loans, grants, venture capital, angel investors, crowd funding and more.
    • Strategic Planning looks at the significance of strategic planning while breaking down the steps of the process.

    Free Management Library

    • The Free Nonprofit Micro-eMBA(SM) Program is a great resource for students wishing to learn more about nonprofit management. Completion of this program will not result in an MBA degree, but enrollment is free. The amount of time it takes to complete the program will depend on how fast you learn, but you may expect to spend at least 200 hours on coursework.

    University of California Irvine

    The University of California Irvine offers several free business courses in English and Spanish through their OpenCourseWare site. Courses are broken down into lessons, and include optional reading lists for students who want to dig deeper into the course subjects.

    • Fundamentals of Business Analysis focuses on the function of a business analyst within the operating of an organization.
    • Training and Human Resource Development breaks down the information and experience needed to pick out an organization’s training and development needs while looking into the related processes.

    Financial Management Training Center Courses

    The Financial Management Training Center provides 20 free downloadable business courses for people who need to learn the finer points of financial management. All courses can be taken online. They include full exams as well as evaluation forms for people seeking Continuing Professional Education (CPE) credits.

    • The Management of Capital provides a basic overview of navigating a company’s financial structure.
    • Creating Value through Financial Management serves as an introduction to concepts related to Value Based Finance.
    • Project Management introduces the concept and components of project management.

    Kutztown University – Small Business Development Center

    • Strategic Planning and Execution Course presents strategies for crafting and executing business visions, mission statements and goals. The SBDC also provides strategic planning software free to all course participants.

    University of California Berkeley

    The University of California Berkeley offers a new selection of business courses each semester. Courses are lecture-based and typically include either audio or video or both.

    • Business Administration Videos are uploaded to the school’s YouTube page often. Videos are presented by leading business experts such and cover topics like leadership, investment strategies and behavioral economics.
    • Introduction to Probability and Statistics for Business teaches students about descriptive statistics, probability models, confidence intervals, controlled experiments vs. observational studies, tests of significance, correlation and regression.

    The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

    An admission advisor from each school can provide more info about:

    • programs curriculum
    • career opportunities
    • tuition financial aid
    • admissions starting dates

    1 Ashford University

    Minimum eligibility requirements:
    • Must be 18 years of age or older
    • Programs offered by Ashford and listed below may not be related to the topic covered by the above article.


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    Cheap Ticket Offers May Be A #travel #to #argentina

    #travel cheap tickets

    A true story about buying cheap tickets for events reveals a scam most people don t know about: Internet ScamBusters #195

    Today s issue is called Cheap Tickets: How Not to Get Scammed. We share an interesting experience from a friend who witnessed a common cheap tickets scam.

    In addition, we want to alert you to a new trend: private debt collectors are starting to collect delinquent taxes from US taxpayers. We ll briefly discuss why many experts are concerned.

    However, before we begin today s article on cheap tickets, we first encourage you to take a look at this week s most popular articles from our other sites:

    What You Need to Know If You Are Considering a Balance Transfer

    What You Should Know About Web Hosting

    Can Someone Steal Your Email to Send Spam?

    Let s get started

    Cheap Tickets: How Not to Get Scammed

    We want to share a story about a common scam related to buying cheap tickets that most people don t know about so you don t get taken by this cheap tickets scam.

    (Note: This article has nothing to do with, which is a very good travel website we have personally used.)

    The true story comes from our friend Steve:

    Begin Steve s true cheap tickets story

    A couple of weeks ago, my wife and I decided to take the kids to Six Flags since summer vacation was almost over and we hadn t used our passes much this year.

    If you have children, you know how special a day at the amusement park can be. You don t want anything ruining it, and you definitely don t want it to turn into a lesson about the uglier things in life.

    The Six Flags near us costs about $40 per person just to get in the door, close to $100 per person for a season pass and an extra $15 a day for parking (unless you pay an extra $60 for the season parking pass).

    As we walked up to the gate area, a woman came up to us and asked us if we wanted to buy tickets from her for $20. We have season tickets so we simply said no and walked away.

    Unfortunately, someone else she hit wasn t as lucky.

    To understand what we saw, I first have to explain how the Six Flags near us is set up. The people who need to buy tickets stand in line to pay the cashier. The people who already have tickets or a season pass get into another line to go through a metal detector.

    On this particular day, the metal detector lines were horrendous.

    As we were getting close to the front of our line, I noticed a commotion going on in the line next to us. It appeared that someone was trying to get into the park with counterfeit tickets. As I got closer, I saw a gentleman with his girlfriend and he was trying to explain that he bought the tickets from a woman who had been standing in front of the park.

    Being a curious individual, I couldn t help but listen as the man pled his case, and as he started describing the woman, I realized it was the very same woman who had asked us if we wanted to buy tickets!

    To the horror of my kids, I got out of line (they thought we d have to go back to the end) and started explaining to the security officer that the man was telling the truth and that the woman he was describing had also asked me if I wanted to buy tickets. It was at that point that the police were called.

    I had to answer some questions since I had also seen the woman and it took about an hour before my family and I were able to go into the park. Needless to say, when everything was over and we actually got into the park, the kids started asking questions.

    All at once I was asked why the police were there, why the man was yelling, why an adult would lie, and my four-year-old wanted to know why the police didn t ask Wonder Woman to catch the bad lady. (Wonder Woman was at Six Flags in costume.)

    My kids eventually stopped asking questions and started enjoying the games and the rides, but I know they haven t forgotten the incident. Yesterday my mother-in-law took my daughter to a movie and when they got home my mother-in-law told me that my daughter had asked the girl at the ticket counter if the movie tickets were real.

    When I explained what had happened to my mother-in-law, she told me the same thing had happened to one of her associates at an opera of all places.

    After doing a little research, I discovered that this really isn t an uncommon occurrence. In fact, it appears to happen frequently.

    Anywhere tickets are sold, there may be scammers lurking trying to con people out of their hard-earned money.

    So the moral of the story is this

    If you see someone selling tickets outside of a movie theater, a concert, a performance theater, an amusement park, a zoo or any other event or attraction that requires a ticket to get in, think VERY carefully before you buy the ticket, no matter how cheap it is.

    After all, if you pay $20 for a $40 ticket and the ticket s counterfeit, you re really losing $20 instead of saving it.

    End Steve s true cheap tickets story

    Summary: buying cheap tickets (or expensive tickets, for that matter) outside of events can be an expensive mistake.

    This is one of many reasons that ticket scalping is illegal.

    Private debt collectors start collecting delinquent taxes from US taxpayers

    The IRS has hired private debt collectors to begin collecting delinquent taxes from 12,500 US taxpayers, who each owe $25,000 or less in back taxes.

    This is the first step in a broader initiative to outsource the collection of smaller tax debts to private collection companies.

    Experts have several concerns, including:

    • It is much more expensive than IRS debt collections.
    • There is a greater chance that debtors will be conned by scam artists using phishing and other scams when private companies are in the mix.
    • Taxpayer rights may be at risk with privatization, since private firms are much more concerned with maximizing profit than safeguarding taxpayer rights.

    Most people do not know about this new program. Given the recent trends and abuses in private debt collection that we wrote about a few months ago, as well as the other concerns the experts have expressed, we find this trend quite disturbing.

    In fact, private debt collection firms have been known to be overly aggressive, even harrassing the wrong people.

    For more info about these new trends in debt collection, click here.

    Time to wrap up for today have a great week!


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    Consumer Confidence In Banking Takes A Hit #travel #packages

    #flights and hotel deals

    Consumer Confidence In Banking Takes A Hit

    A recent survey has shown that consumers’ confidence in banks has taken a real hit, with one of the major causes of this decreasing confidence thought to be the recent situation with Northern Rock. According to the results of the survey close to 25% of Brits state that they do not trust lenders, and less than 50% thought that high street banks could be trusted. The turmoil and chaos that erupted after Northern Rock was found to have taken a loan from the Bank of England, fuelling rumors of a near collapse and resulting in many of the bank’s 1.5 million savers withdrawing billions of pounds worth of savings.

    As a result of this situation the Bank of England has stepped up assurance over the guarantee of savings of Northern Rock customers, as well as the savings of customers with other banks that fall into a similar situation. However, it seems that these assurances have done nothing for consumer confidence in banking, with over fifty percent stating that they no longer trust high street banks.

    The survey revealed that of the 2484 people interviewed only 46% now trust high street banks. Building societies fared a little better, with 48% expressing confidence in building societies. Online banking has also taken a knock, with experts stating that reduced access to online bank accounts by Northern Rock customers also affecting this area of banking. Only 25% of consumers now trust online banking according to the survey results.

    One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence. It is not just the banking industry that has taken a knock, however, according to professionals. Lenders across the whole financial sector have been affected by lower levels of consumer confidence. It is thought that this could be as the result of problems throughout the whole of the financial sector, which has stemmed from the credit crunch sparked in the sub-prime sector in the Unites States, which has resulted in global repercussions.


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    Donate A Car to St #st. #vincent #de #paul, #society #of



    • Direct your donation to a favorite Catholic charity, program, or location or we will allocate it for you.
    • Donate your vehicle and receive a TAX DEDUCTION.
    • Receive FREE PICKUP SERVICE nationwide at convenient appointment times (see details ).
    • We accept all CARS and TRUCKS running or not, most running BOATS on trailers, and some RVs (see details) .
    • We do all the DMV and IRS paperwork so that you don’t have to.

    VOLUNTEERS FOR CATHOLIC ORGANIZATIONS IS AUTHORIZED BY THE FOLLOWING ORGANIZATIONS TO ACCEPT AND PROCESS THEIR VEHICLE DONATIONS: Daughters of Charity of St. Vincent de Paul – Little Sisters of the Poor – Society of St. Vincent de Paul of Roseville, California – Society of St. Vincent de Paul of Madison, Alabama – Society of St. Vincent de Paul of Tacoma, Washington – Society of St. Vincent de Paul of Alton, Illinois – Society of St. Vincent de Paul of East Lansing, Michigan – Society of St. Vincent de Paul of Alameda County, California – Society of St. Vincent de Paul of Hammond, Indiana – Society of St. Vincent de Paul of Contra Costa County, California – Society of St. Vincent de Paul of Sacramento and Northern California – Society of St. Vincent de Paul of San Bernardino/Riverside Counties, California – St. Vincent de Paul Society of San Francisco County, California – Society of St. Vincent de Paul of San Mateo County, California – St. Vincent de Paul Society of Castle Rock, Colorado – Society of St. Vincent de Paul of Seattle, Washington – Society of St. Vincent de Paul of Washington D.C. – Society of St. Vincent de Paul of Calvert County, Maryland – Society of St. Vincent de Paul of Charles County, Maryland – Society of St. Vincent de Paul of Montgomery County, Maryland – Society of St. Vincent de Paul of Prince George’s County, Maryland – Society of St. Vincent de Paul of St. Mary’s County, Maryland – Society of St. Vincent de Paul of Omaha, Nebraska – St. Ignatius College Preparatory of San Francisco, California – Host Lions Club – Knights of Columbus – Sacred Heart Cathedral Preparatory of San Francisco

    IN THE PAST THE FOLLOWING SOCIETY OF ST. VINCENT DE PAUL COUNCILS OR CONFERENCES HAVE ACCEPTED VEHICLE DONATIONS FROM VOLUNTEERS FOR CATHOLIC ORGANIZATIONS: Aberdeen MD; Aiken SC; Akron OH; Alameda CA; Albuquerque NM; Allen Park MI; Alpharetta GA; Alta Loma CA; Alton IL; Amherst NY; Anacortes WA; Anderson IN; Ann Arbor MI; Annapolis MD; Antioch CA; Arcata CA; Arlington VA; Astoria NY; Atlanta GA; Aurora IL; Austin TX; Bainbridge Island WA; Bakersfield CA; Baldwin NY; Ballwin MO; Baltimore MD; Bartlett TN; Batavia IL; Bath PA; Bay Point CA; Beaver Dam WI; Beaverton OR; Bedford PA; Bellevue WA; Bell Port NY; Belmont CA; Bend OR; Billings MT; Bloomington IL; Boise ID; Bordentown NJ; Boston MA; Bremerton WA; Brentwood CA; Bristol CT; Bronx NY; Broomall PA; Buffalo NY; Buford GA; Burlingame CA; Byron CA; Byron IL; Camas WA; Camden, NJ; Canton GA; Carmichael CA; Carrollton GA; Carson CA; Castro Valley CA; Castroville TX; Catonsville MD; Cedar Park TX; Cedar Rapids IA; Cedar Lake IN; Centennial CO; Centralia WA; Channelview TX; Charleston SC; Charlotte NC; Chepachet RI; Chicago IL; Chula Vista CA; Cicero IL; Clinton Township MI; Columbus OH; Concord CA; Cotuit MA; Covina CA; Dallas TX; Daly City CA; Danville CA; Dardenne Prairie MO; Davis CA; Dayton OH; Dearborn Heights MI; Denison TX; Denver CO; Derry PA; Detroit MI; Dix Hills NY; Downers Grove IL; Downey CA; Duluth GA; East Lansing MI; East Meadow NY; East Norriton PA; East Northport NY; Easton MD; Eatontown NJ; El Paso TX; El Sobrante CA; Elgin IL; Ellicott City MD; Ellisville MO; Elyria OH; Encinitas CA; Encino CA; Enumclaw WA; Eugene OR; Eureka CA; Everett WA; Exeter NH; Fairfield CA; Fairfield OH; Fairview Park OH; Fallbrook CA; Fall River MA; Farmers Branch TX; Farragut TN; Fayetteville GA; Federal Way WA; Floresville TX; Fords NJ; Forest Grove OR; Fort Lauderdale FL; Fort Myers FL; Fort Wayne IN; Fort Worth TX; Foster City CA; Franklin OH; Freeport IL; Fremont CA; Fresno CA; Front Royal VA; Gaithersburg MD; Geneva IL; Georgetown TX; Glen Ellyn IL; Glendale Heights IL; Glendora CA; Glenside PA; Gloucester MA; Grand Rapids MI; Granger IN; Green Bay WI; Greensboro NC; Greensburg PA; Gresham OR; Grove City OH; Half Moon Bay CA; Hammonton NJ; Hastings PA; Haverhill MA; Holmdel NJ; Hopewell Junction NY; Hopkinsville KY; Houston TX; Howell MI; Huntersville NC; Huntingburg IN; Huntley IL; Huntsville AL; Irvine CA; Irving TX; Jackson MI; Jacksonville FL; Jamaica NY; Jasper GA; Joliet IL; Joplin MO; Kansas City MO; Keller TX; Kenmore WA; Kenosha WI; Kirkland WA; Klamath Falls OR; La Grange GA; Laconia NH; Laguna Niguel CA; Lake Oswego OR; Lake Villa IL; Lancaster CA; Lancaster OH; Lansdowne PA; Lansing MI; Las Vegas NV; Littleton MA; Livermore CA; Livonia MI; Lombard IL; Long Beach CA; Longview WA; Los Altos CA; Los Angeles CA; Louisville KY; Lowell MA; Madison AL; Madison WI; Marmora NJ; Manassas VA; Manistique MI; Mantua NJ; Maple Shade NJ; Marietta GA; Marmora NJ; Marquette MI; Marshfield WI; Martinsburg WV; Mason OH; Massillon OH; Mays Landing NJ; McHenry IL; McKinney TX; McMinnville OR; Medford OR; New Orleans LA; New York NY; Newark CA; Newnan GA; Newton MA; Norman OK; Norristown PA; North Andover MA; North Fort Meyers FL; North Riverside IL; Novato CA; Oakland CA; Oklahoma City OK; Omaha NE; Oregon City OR; Orleans MA; Overland MO; Pacific Grove CA; Palm Beach Gardens FL; Pasadena CA; Pawtucket RI; Payson AZ; Peabody MA; Pearl River NY; Pensacola FL; Peoria IL; Perrysburg OH; Phoenix AZ; Pinole CA; Pittsburg CA; Pittsburgh PA; Placentia CA; Pleasant Hill CA; Pleasanton CA; Plymouth MI; Port Ritchie FL; Portland ME; Portland OR; Providence RI; Pt. Pleasant NJ; Puyallup WA; Racine WI; Redding CA; Redwood City CA; Reno NV; Richmond IN; Ridge MD; Rio Rancho NM; Riverside CA; Rochester MN; Rochester NY; Rock Hill SC; Rockville MD; Rohnert Park CA; Romeoville IL; Roselle NJ; Roseville CA; Ross CA; Roswell GA; Royersford PA; Rubicon WI; Sacramento CA; San Antonio TX; San Diego CA; San Dimas CA; San Francisco CA; San Gabriel CA; San Leandro CA; San Mateo CA; San Rafael CA; San Ramon CA; Santa Ana CA; Santa Clara CA; Santa Cruz CA; Santa Fe NM; Santa Rosa CA; Sayreville NJ; Schwenksville PA; Scottsdale AZ; Seattle WA; Sharonville OH; Smyrna GA; South San Francisco CA; Spotsylvania VA; Springfield OH; Springfield PA; St. Augustine FL; St. Charles MO; Sterling Heights MI; Stoughton MA; Sudbury MA; Swanton OH; Swedesboro NJ; Syracuse NY; Tacoma WA; Tampa FL; Taunton MA; Taylors SC; Tehachapi CA; Tempe AZ; Temperance MI; Tiburon CA; Toledo OH; Tolleson AZ; Trenton NJ; Troy MI; Tucson AZ; Turlock CA; Tyler TX; University City MO; Vacaville CA; Vallejo CA; Valrico FL; Vancouver WA; Vermillion SD; Virginia Beach VA; Wadsworth OH; Washington DC; Washington MO; Waterbury CT; Westlake Village CA; Westmont IL; Wheaton IL; Wheaton MD; Whitefish Bay WI; Wilkes Barre PA; Wilmette IL; Wilmington CA; Woodville WA; Woodstock IL; Wylie TX; Yarmouth MA; Zelienople PA.

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    Restaurant Training Manual Templates, #forms, #checklists, #manuals, #spreadsheets, #restaurant, #training,



    Restaurant Training Manual Templates

    Training manuals provide the basis for consistent results so that you’re capable of creating high-quality dining experiences regardless of who’s on the floor or in the kitchen.

    Having a complete and thorough restaurant training manual for every position is critical to ensure consistent training when people are hired and for correct, consistent execution in the restaurant.

    Using our restaurant employee training manual templates is the fast and easy way to save yourself hours and hours of researching, organizing and writing your own training manuals from scratch. We have Training Manual Templates for the following positions –

    Download the Server Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Dishwasher Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Line Cook Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Prep Cook Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Busser Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Host/Hostess Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    Download the Bartender Training Manual

    This form is available in the following formats. You must have a compatible program installed on your computer to use them.

    Click to Download Microsoft Word format

    The Restaurant Employee Training Manual Templates are downloadable in MS Word (.docx) file format.

    Get immediate access to the Restaurant Employee Training Manual Templates PLUS hundreds of additional articles, operational forms, manuals & spreadsheet templates and MUCH, MUCH MORE when you join .

    Server Training Manual Table of Contents page 1 –

    Server Training Manual Table of Contents page 2 –

    Sample page from the Server Training Manual –

    Sample page from the Server Training Manual –


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    10Best: Places to find a travel bargain in 2015 #travel #paris

    #travel bargains

    10Best: Places to find a travel bargain in 2015

    Like real estate, finding an affordable travel destination is all about location. “All things being equal, there are some countries where you’re going to get a lot more for your money,” says Tim Leffel . author of The World’s Cheapest Destinations. ( $15.95). Quite often, bargains are fueled by political and economic events, and short-lived. Leffel shares some destinations likely to yield deals in 2015 with Larry Bleiberg for USA TODAY.


    Ebola fears have sent African tourism plummeting, although the affected areas are closer to Europe and Brazil than many parts of Africa. “Safaris are on sale. Some operators have seen business drop by 50% or 70% and they are willing to offer discounts,” Leffel says. “It’s silly to avoid the continent because of what’s happening in one corner.”


    Inflation and financial challenges once again make this South American country a bargain for travelers, who can easily access a gray-market exchange rate that’s official enough to be published in newspapers. “Across the country, if you pay in hard currency, you’ll get a much better deal,” Leffel says. 212-603-0443;


    Leffel, who has lived in Mexico for a year and a half, knows firsthand the cost savings to be found south of the border. “It is perpetually a good deal, especially if you go to the interior. But right now the exchange rate is very, very good.” While beach resort areas are generally more costly, there may be bargains to be found in Los Cabos, which suffered hurricane damage in September. 800-446-3942;


    While the Galapagos Islands aren’t necessarily a bargain, the rest of this South American country has recently begun attracting more visitors, who are delighted to discover refurbished colonial churches and Amazon basin ecotours. “The roads are a lot better. The train lines are open again. There’s money pouring into infrastructure. It has always been a deal, but most people didn’t know that,” Leffel says.


    This Mediterranean country, long a bargain destination, continues to offer value. “It has been compounded by the fiscal crisis, which has been hanging on longer in the south than parts of northern Europe,” Leffel says. “Prices really have not gone up for four or five years. Restaurant meals, a bottle of wine, hotel rooms are the same price they have been for ages.”


    This central European gem has gotten a lot more attention in recent years as it has been discovered by Danube river cruise passengers, who consistently rate it as one of their favorite stops. And since the country doesn’t use the euro, savings are noticeable. “The word has gotten out that Budapest is one of the great cities in Europe for tourists. You can find fantastic hotel deals, especially outside of the summer. It’s one of the best deals in Europe,” Leffel says.


    This Himalayan kingdom has long been considered one of the world’s cheapest countries for lovers of outdoor adventures like trekking, hiking and rafting. “It’s a perpetual bargain and it’s much easier to get your head around than India because it’s smaller,” Leffel says. “It’s not getting massively overdeveloped or overcrowded.”


    The world’s top hotel values are probably found in Vietnam, Leffel says. “Whether you’re a backpacker or staying the best hotel in the city, you’re getting great value for your money.” The country has also been improving its roads and trains. Another plus: “They have some of the cheapest beer in the world.”


    While this Asian giant is on the rise with infrastructure improvements and an improving quality of life for residents, it remains a bargain. Even the island paradise of Bali can be affordable, if you stay away from international hotel chains. “The dollar’s really strong there now and there are lots of places to go. It’s a really big country,” Leffel says.


    Although it’s hardly dirt cheap, prices north of the border have gotten more reasonable with the Canada’s currency recently dropping to a five-year-low against the U.S. dollar. “For a while people didn’t want to go to Montreal and the Canadian side of Niagara Falls, because it was too expensive,” Leffel says. But now that the exchange rate is breaking in favor of Americans, “you won’t face sticker shock.”


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    How To Become A Mental Health Counselor #mental #health #counseling #career,mental


    Mental Health Counselor Careers

    What Is Mental Health Counseling?

    Life is full of frustration and difficult times. Most adults will usually have to deal with such things as balancing family and career life, and paying bills that they can’t afford. These stressful times can be very hard to get through and extremely overwhelming for some. Not coping with this type of stress in a healthy manner, however, can lead to mental and emotional strain.

    Mental health counseling can be used to pull some people out of their mental din. Professionals in this field offer counseling, support, and guidance to individuals that are having trouble coping mentally or emotionally.

    There are a number of mental problems that mental health counselors might encounter during their careers, from people dealing with everyday stress to those with diagnosable mental illnesses and disorders. For instance, they might counsel people that are having had times due to family, job, or social issues. They might also offer counseling to individuals experiencing:

    • Depression
    • Bipolar Disorder
    • Generalized Anxiety Disorder
    • Panic Disorder
    • Grief
    • Phobias
    • Eating Disorders
    • Obsessive Compulsive Disorder
    • Addiction
    • Grief
    • Chronic Pain
    • Substance Abuse
    • Suicidal Impulses
    • Self-Esteem
    • Marital Distress

    Mental disorders are sometimes considered to be the most common disability in the United States. In fact, research conducted by the National Institute of Mental Health has shown that over a quarter of all adults suffers from a mental illness each year. More and more people are finally realizing the importance of not only their physical well being, but also their mental well being. Health insurance companies are even more apt to offer coverage for mental illness services as well. Because of this, there will not be a shortage of mental counseling jobs in the coming years, and mental health counseling is a rapidly growing field.

    Sponsored Mental Health Counseling Degree Programs

    How Do I Become a Mental Health Counselor?

    To become a mental health counselor you will need to go through a rather rigorous amount of schooling. This includes obtaining a Bachelor’s Degree. then a Master’s Degree. and finally entering into a Doctorate or PhD program. If you are serious about entering into this field of study, request information from programs available for you here .

    Why Do We Need Mental Health Counseling?

    Trying to cope with a mental disorder – or even extreme everyday stress – can be very difficult and overwhelming for most. These disorders are often very scary, confusing, and frustrating. Some people suffering from mental illnesses and disorders may even feel ashamed of their conditions.

    Mental health counselors, however, can help people learn to cope with their disorders and anything else life throws their way in a healthy manner. The guidance and skills that these professionals provide can often help people lead normal, happy lives.

    What Does a Mental Health Counselor Do?

    Mental health counselors typically work directly with clients, and sometimes their families as well. As mentioned above, professionals in this field might help with a variety of mental and emotional issues.

    Before counseling or treating their clients, mental health professionals will usually assess them first. This usually involves interviewing the clients and possibly having them fill out questionnaires. Depending on the severity of their conditions, mental health counselors may diagnose them with any number of mental illnesses.

    Traditional psychotherapy is often the preferred method of treatment for mental health counselors. This type of therapy usually consists of allowing the client to talk freely to the counselor with little interjections from him. Clients can talk about anything that concerns them, which allows them to explore their emotions and feelings. At times, the counselor may ask questions or offer comments.

    A mental health counselor might also help his clients with setting and achieving goals. They may offer encouragement and advice on how to reach certain goals. To keep clients from getting overwhelmed or frustrated, a counselor might also teach them stress reduction and relaxation techniques.

    Overall, mental health counseling is meant to be a short-term solution to help people get through rough patches in their life. Clients suffering from more severe and long-term mental illnesses will usually be referred to another mental health professional, such as a psychologist or psychiatrist.

    Where Do Mental Health Counselors Work?

    Mental health counselors often work in all different types of health facilities, where individuals that need them will have easy access to their services. For instance, they might work in regular hospitals and psychiatric hospitals, along with mental health clinics, hospice care centers, and home health care centers. Mental health counselors might also work for schools, detention centers, adoption agencies, law enforcement agencies, and even branches of the military.

    Many mental health counselors, however, typically choose to open their own private practices.

    What Are the Education Requirements to Become a Mental Health Counselor?

    Counseling Educational Track

    A good education is imperative when starting a mental health counseling career. Future mental health counselors should have a deep knowledge of the mind, how it works, and the issues that can affect it. A knowledge of human development is also important.

    The majority of individuals looking to pursue a mental health counseling career will usually start with a bachelor’s degree in psychology or counseling. Taking courses in your preferred area of mental health counseling is particularly important during this time. For instance, if you want to pursue a mental health counseling career that focuses on treating substance abuse, you should take several courses in this area.

    Most states also require mental health counselors to have advanced degrees as well, such as master’s degrees in counseling. Experience in a clinical setting is also usually required before becoming a licensed mental health counselor.

    Your education usually won’t stop even after you’ve become a licensed mental health counselor, however. If you choose to pursue a mental health counseling career, it is important to participate in continuing education programs or workshops in order to keep abreast of any important developments in this field.

    What Is the Median Salary of Mental Health Counselors?

    The salaries of mental health counselors varies, depending on the are of specialization experience. Mental health counselors that have worked for the military for several years, for instance, will often earn much more than those starting out in entry level positions with non-profit groups.

    According to the Bureau of Labor Statistics, the median salary for mental health counselors was $42,590 in 2011.

    Related Articles

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    Traditional IRA versus Roth IRA #can #i #contribute #to #a #roth


    Traditional IRA versus Roth IRA

    Which Is Better – A Traditional IRA or a Roth IRA?

    The Roth IRA and the Traditional IRA both have benefits and drawbacks. By going over the pros and cons, I hope to help you get an idea of which retirement wealth building tool is more appropriate for your individual situation and objectives. Nick M. Do / E+ / Getty Images

    Updated April 30, 2017

    Here s a common question asked by investors everyday. Which is better: a Traditional IRA or a Roth IRA? While both have their advantages and disadvantages, each are fantastic ways to save for your golden years, but in almost all apples-to-apples comparisons, the Roth IRA is going to win. Quite frankly, a Roth IRA is the closest thing to a perfect tax shelter you re probably ever going to find. So much so that almost anyone who qualifies should definitely consider adding a Roth IRA to their investment toolbox .

    Nevertheless, it is important that you understand the differences between the two accounts. Over the next five to ten minutes, let s examine both the Traditional IRA and the Roth IRA so you can get a better idea of how each one might fit within your overall portfolio.

    Both a Traditional IRA and a Roth IRA Are Types of Accounts, Not Investments

    Think of both the Traditional IRA and the Roth IRA as a type of box. Many different assets can go inside of it – stocks. bonds. real estate. mutual funds. index funds. money markets or certificates of deposit – but it s such a good deal, Congress limits the amount of money you can put into that box every year. This is known as a contribution limit. Depending upon which type of IRA you select, the tax consequences will be different.

    An Overview of the Traditional IRA

    • Contributions are tax deductible at the time they are made for individuals and families earning less than the income limitations in effect for any given year, which are regularly updated by the IRS. For example, a couple of years ago, I detailed the then-in-effect Traditional IRA income limitations for tax year 2014 to demonstrate how the rules work. However, even if you exceed the Traditional IRA income limits for tax deductibility, you can still take advantage of the tax-deferred compounding (see next point). The contribution limits themselves consist of a base contribution limit and a catch-up contribution limit that people 50 years or older can use, if they like. For example, in 2015, the base contribution limit was $5,500 and the catchup contribution limit was $1,000, so a person who was 52 years old, and otherwise qualified for a Traditional IRA, could contribute $6,500 to his or her account.
    • The years in which your money is sitting in your Traditional IRA, as long as you follow the rules, you shouldn t owe any taxes on any of the investment profits you generate. That means no taxes on capital gains and no taxes on dividends, interest, and rents. Even if you find yourself sitting on millions upon millions of dollars in profits, as long as it is within the protective confines of the account, the Federal, state, and local governments get none of it.
    • You can begin making withdrawals from your Traditional IRA at the age of 59.5 years old without having to pay the early withdrawal penalty. You must begin taking withdrawals, and paying tax upon those withdrawals (all withdrawals are taxed, including past contributed principal since it was tax-deductible at the time the contribution was made), by the age of 70.5 years old so you can t accumulate too much money in the tax shelter.
    • Traditional IRAs and Roth IRAs are extremely useful asset protection tools. Under the present three-year bankruptcy protection limit set on April 1, 2016, which is adjusted every three years, an investor can have up to $1,283,025 in combined balances across both types of IRAs and have it exempted from creditor claims. Married couples can effectively double this amount since both the Traditional IRA and Roth RIA must be owned by an individual (there s no such thing as a jointly owned IRA). This is one of the major reasons it is almost always wise to seek the counsel of a qualified, respected bankruptcy attorney prior to any serious decisions when you are facing financial hardship. The worst thing you can do is draw down your Traditional IRA or Roth IRA balance then declare bankruptcy, anyway, as you ve cost yourself years, perhaps even decades, of rebuilding when you could have emerged from the courthouse with your retirement funds intact.

    An Overview of the Roth IRA

    • Contributions to a Roth IRA are not tax deductible at the time they are made. However, unlike a Traditional IRA and subject to certain minimal conditions, if you need to make a withdrawal of your past principal contributions, you can do so tax-free without an early withdrawal penalty, though you won t be able to replace the funds, again, once they ve left the account. There are tax consequences for any investment gains or other funds in excess of the historical contributions into the Roth IRA if taken before the age of 59.5 years old.
    • During the years the money is in the Roth IRA, as long as you follow the rules (e.g. don t use borrowed money that leads to the unrelated business income tax, don t invest in MLPs. etc.), any profits you generate should all be tax-free.
    • There is no mandatory distribution age. If you live to be 105 years old and end up with a $25,000,000 Roth IRA because you discovered the next McDonald s, Home Depot, Microsoft, Apple, or Berkshire Hathaway, you aren t going to have to give a dime of it to Federal, state, and local governments were you to make a withdrawal and begin spending it under the present rules.
    • The same bankruptcy protections that cover the Traditional IRA also cover the Roth IRA (see above).
    • The tax shelter benefits are so extraordinary for a Roth IRA that Congress specifically limits it to individuals and families with adjusted gross incomes of less than certain pre-determined thresholds. These are updated every year. A few years ago, I broke out the then-in-effect 2014 Roth IRA income limit rules. which can serve as a useful template for understanding how the calculations work.

    The tax benefits of the Roth IRA are so extraordinary that many Americans who don t qualify because they make too much money engage in a technique called a backdoor Roth IRA that involves funding a Traditional IRA, then converting it to a Roth IRA.

    Where Can I Open a Roth IRA or Traditional IRA?

    As previously mentioned, a Roth IRA and a Traditional IRA are both types of accounts. not investments. so you can open either with many different types of financial institutions. If you go to a bank or credit union, they might offer either IRA but only allow you to put certificates of deposit into them. If you own either type of IRA with a discount brokerage firm such as Charles Schwab or Scottrade, you can put almost anything that is publicly tradable into it, including exchange traded index funds such as SPDRS or blue chip stocks. Some investors who exclusively use mutual funds for their retirement needs prefer to open a Traditional IRA or Roth IRA directly with a mutual fund family such as Fidelity or Vanguard.

    How Much Money Do I Need To Open a Roth IRA or Traditional IRA?

    The minimum opening balance for either type of IRA is determined by the financial institution with which you are opening the account. Some require $1,000 to $3,000. A few will allow you to kick in as little as $100 on the condition that you save at least so-much per month for a given period of time to demonstrate you are serious about building wealth .

    Can I Have Both a Traditional IRA and a Roth IRA?

    Absolutely. Millions of Americans do. You can even add funds to both in the same year provided your total, combined contribution doesn t exceed the contribution limits in effect for the year. For example, in a year where a person who is 37 years old can only contribute a total of $5,500, that person could put $2,000 in a Traditional IRA and $3,500 in a Roth IRA because, combined, they are still at, or under, the $5,500 limit. If you exceed the contribution limits and don t rectify it within a certain window of time, the government will assess confiscatory taxes that will ultimately wipe out the surplus balance.

    Can I Have a Roth IRA and/or Traditional IRA Plus a Retirement Account at Work?

    Yes. In addition to funding a Roth IRA or Traditional IRA each year, you can also fund a Traditional 401(k). a Roth 401(k), a Solo 401(k). a 403(b). SEP-IRA. SIMPLE IRA. or other qualified plan. These often have other advantages of their own, including unlimited bankruptcy protection on top of the bankruptcy protection offered on the IRAs discussed in this article.


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    20 Tips for Traveling in Peru on a Budget #easy #click

    #travel peru

    20 Tips for Traveling in Peru on a Budget

    By Tony Dunnell. Peru Travel Expert

    Tony Dunnell has been living and traveling in Peru since May 2009. From his base in the jungle town of Tarapoto. he continues to explore the rich culture and endless attractions of his adopted home.

    Traveling in Peru on a budget requires some discipline and smart money management, especially for longer stays. The following tips will help you stretch your Peru budget as far as possible, giving you extra cash for occasional splurges and expensive tours.

    1. Understand the Peruvian Nuevo Sol

    2. Eat for Cheap in Peru

    Touristy restaurants, especially in hotspots such as Lima, Cusco and Arequipa, are vastly more expensive than the typical restaurants frequented by regular Peruvians. Eat where the locals go and you’ll be surprised at how well you can eat in Peru on a budget (for price ranges, see How Much Does it Cost to Eat Out in Peru? ). Shoestring travelers should make the most of lunch in Peru. when big meals are available at incredibly low prices.

    4. Set Prices in Advance

    5. Cook Your Own Food

    6. Know How Much to Tip in Peru

    Peru isn’t a big tipping nation, so don’t go blowing your daily budget on unnecessary tips. There are a few occasions when a tip is expected, such as in midrange to upscale restaurants, but don’t feel the need to hand over your loose change to taxi drivers. Peruvian taxi drivers don t expect tips, and they are probably overcharging you anyway. More

    7. Keep Alcohol to a Minimum

    8. Learn How to Haggle

    Don’t be afraid to haggle over prices, especially in traditional markets. Prices generally start high, so it’s your job to settle on a price acceptable to both parties. Also, try negotiating prices for hotel and hostel rooms. You’ll often receive a straightforward no, but there’s no harm in trying. It’s easier to get a discount for stays of at least four to five days. More

    9. Eat Your Free Breakfast

    If your hotel or hostel has a free breakfast. drag your bones out of bed and make the most of it before it’s gone. Breakfasts normally start at about 7 a.m. and finish at 9 or 10 a.m. but the later you are, the slimmer the pickings become.

    10. Try CouchSurfing in Peru


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    What is the Right Travel Insurance for a Cruise? #travel #pillow

    #cruise travel insurance

    Insuring Your Cruise

    Travel insurance is particularly important for cruisers, because cruising carries its own unique set of concerns that may not be shared by the average traveler. For example, because of the nature of cruising, the possibility of missing some leg of your trip — such as the ship’s departure from one of its ports — is somewhat higher than it is when you take a non-stop flight from Point A to Point B. Getting appropriate medical care in an emergency at sea is also a consideration that needs to be factored into making decisions about insuring a cruise. These, among many others, make a good case for at least investigating travel insurance when you plan to take a cruise.

    However, it’s important to be cautious about where you get that insurance. Typically, it’s most advisable to buy travel insurance for your cruise from a third party source — not from the cruise line itself or from a booking site. These types of travel insurance policies tend to be fairly limited in their coverage, may not contain important benefits you need for your individual comfort and safety, and often are written in a way that is more likely to benefit the cruise line than it is to benefit you. When you decide on a trusted third-party source for your insurance, make sure to find out what type of coverage is available to you for the following concerns:

    Medical Care

    If you should unexpectedly fall ill or become injured while you’re on your cruise, you’ll need some sort of medical insurance coverage to offset the expense of the medical care you receive. Many cruisers don’t know that their home medical insurance provider may not cover any care they receive outside of their home country, or may cover only a portion of the costs. Those on Medicare should be particularly concerned with this type of benefit, as Medicare does not cover any kind of medical care outside of the United States.

    Emergency Medical Evacuation

    While rare, emergency medical evacuations are a very real possibility for cruisers. Whether the emergency is severe enough to require an air rescue from the ship, or whether it involves emergency transport from the nearest port of call to an on-shore medical facility, the costs can be prohibitive if not covered by insurance. Those who are particularly concerned about the possible quality of medical care in an unknown area of the world may want to consider looking into the optional Hospital of Choice benefit as well.

    Baggage Loss or Baggage Delay

    Between airlines, ships, and ports of call, there are plenty of opportunities for cruisers to misplace personal items — or for those personal items to be delayed or lost in transit, or worse, stolen during the course of the cruise. Making sure you have baggage loss coverage to help you recover the costs of replacing your lost items, or baggage delay coverage to help you get the necessities covered while you wait for your bags, can greatly decrease the stress of losing your belongings.

    Identity Theft

    Losing personal documents such as passports is certainly a possibility when on a cruise. Identity Theft protection is a unique service offered by some travel insurance companies, which can help guide you through the process of minimizing any possible damage to your credit or financial reputation, while also taking care of important communications and monitoring for you and helping you to replace your documents as quickly as possible.

    Financial Default

    One important benefit that third-party insurance policies offer is possible coverage for financial default. In other words, if your cruise line or another travel supplier related to your cruise goes bankrupt, financial default coverage would allow you to potentially recover the money paid to that travel supplier, as long as you weren’t able to make suitable alternate arrangements. However, financial default coverage is a time-sensitive benefit, so be sure to look into purchasing your travel insurance as soon after you make your first trip payment as possible.

    Hurricanes and other Inclement Weather

    Cruise ships are obviously especially vulnerable to the effects of hurricanes or other severe weather. While travel insurance will not offer you any coverage if your cruise goes off as scheduled, but misses a few ports of call or has to re-route entirely due to bad weather, it can cover you if the cruise is cancelled or cut short. There are also important travel insurance benefits available that are related to bad weather that occurs at your home, or which impacts any portion of your trip, including air travel.


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    What’s The Difference Between CRM and Marketing Automation Software? Capterra Blog


    What’s The Difference Between CRM and Marketing Automation Software?

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    Do you remember the day when someone first told you that Great Britain and England weren’t actually synonymous? Yeah. That was rough.

    I could have sworn that they were the same thing too! Finally though, someone explained to me that my mistake was completely understandable and actually very common. Great Britain is comprised of England, Scotland, and Wales, so England is just one part of Great Britain. It’s confusing, I know.

    People often have a very similar reaction when they realize that CRM software and marketing automation software are different. For those of you to whom this is news, it’s ok! At face value, both seem to be the same thing (like Great Britain and England), but they serve two distinct purposes.

    One of the main differences between the two types of software is who they target. Primarily, CRM software is sales-focused, while marketing automation software is (aptly) marketing-focused.

    Salesforce. a leading CRM software provider, defines CRM as, “a strategy for managing all your company’s interactions with current and prospective customers”. A CRM system saves information such as a customers addresses, names, phone numbers, and interactions with the company.

    On the flip side, Marketo. a leading marketing automation software provider, describes marketing automation software as a system that, “allows companies to streamline, automate, and measure marketing tasks and workflows”.

    While marketing automation stores similar information as a CRM, such as your leads’ contact details (email, address, phone number, company name, job title, etc.), that’s about all they typically share.

    Marketing automation allows you to follow a prospect’s top-of-funnel activities, such as when they visit your website, open an email, read your blog, or fill out a form. Marketers commonly use marketing automation software to schedule and track marketing campaigns, especially email campaigns and mass business to customer communications. Some benefits of marketing automation software include:

    • The ability to easily segment prospects into the appropriate mailing lists based on their past interactions with your company or their interests and preferences.
    • Lead nurturing functionality, which allows you to automatically send triggered emails at the time when a person is most interested in your product or service. You can also schedule a series of emails in a “drip” campaign, so that your company stays top-of-mind with prospects.
    • Once a campaign has ended, the system generates analytics showing how successful the campaign was.

    In other words, marketing automation helps to foster leads and get them ready for the sales team. Once the lead has progressed through to the bottom-of-the-funnel and become a qualified sales lead (and eventually a customer), that’s when companies typically start to track their interactions through a CRM. CRMs store information like how long a contact has been a customer, records of any purchases they have made in the past, the dates and notes of any phone conversations you’ve had with the contact, a record of inbound emails they’ve sent to your sales and customer service team, and more.=

    Sales and Customer Service teams use CRM data to optimize one-on-one interaction between the company and the customer to increase sales and customer satisfaction. Some benefits of having a CRM include:

    • Sales personnel can see where a customer is in the sales process and help them close the deal.
    • Your business can offer targeted promotional material that’s more likely to lead to a sale and build good faith between you and your customer.
    • When speaking to a customer, you can have a full picture of who they are and their history with your company, helping to make the conversation as personal and successful as possible.
    • Many CRMs can also sync with social media outlets so you can keep track of which outlets are leading to the most traffic and what people are saying about your company.
    • The system can send internal alerts when a call is scheduled, when a client’s account is set to renew, or even when a customer’s birthday is coming up so that your sales and service reps know to reach out.

    Simply put, CRM systems help to secure sales by making the sales process a more personal experience for the customer.

    So while CRM and marketing automation systems may look like the same thing at first glance, they cater to different roles in an organization, and their differences make them more valuable to the unique teams they serve.

    But you may be wondering, why would we track half of the prospect’s’ interactions in one software system (marketing automation) and the other half in another system (CRM)?

    Most marketing automation solutions allow you to sync your data with your CRM. so that all of a prospects’ activities are accessible through one solution. Many companies sync the information both ways so that their marketing team knows what’s going on in sales, and their sales and customer service teams know the history that marketing has had with a particular prospect or customer.

    Additionally, many CRM companies have developed or acquired marketing automation software, so there are a handful of systems that include both all in one system. A few examples of these hybrid CRM/Marketing Automation providers include:

    So, that s the guide to the difference between CRM and marketing automation software! If you’re still stuck with deciding whether your business needs a CRM, Marketing Automation, neither, or both, now you know the difference! Look to your sales funnel to see where you have the biggest challenges to help guide your decision. Typically, small businesses begin by adopting a CRM to optimize the bottom of the funnel and close more deals, and then as they grow and invest more in marketing, they select a marketing automation system that will integrate with their CRM.

    Need help deciding whichCRMorMarketing Automationsoftware is right for you? Let Capterra’s advisorssuggest a few options!

    Looking for Marketing Automation software? Check out Capterra’s list of the best Marketing Automation software solutions.


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    Use content in a sentence #content #addressed #storage, #how #to #use


    He was more than content to spend his first day of skiing on the bunny slope.

    Pregnant Martha abstained, content with an iced tea.

    Well, I’m sure Fred wasn’t a hooker but I’m content to accept him on a present day basis, regardless of why he’s so protective of his past.

    He was content with his life, and yet, at her words, he remembered what it was like when he truly was happy.

    He was far too content holding the petite woman he didn’t dare trust.

    The pay per click (PPC) business is a way to advertise online to people who did a specific search in a search engine like Google or who are viewing content on a certain topic.

    She added, We didn’t know the content of the notebook at that time.

    But old Adolph could rest in peace beneath the crabgrass in Pine Grove Cemetery, content in the knowledge that his handiwork had held up well while more than quadrupling in value.

    She smiled up at him, content to be with her mate.

    We were content to allow him this small title of uniqueness knowing it was killing him to be so close to a scientific miracle with hands tied and mouth gagged against announcing his findings to the world.

    He had made his leap, he had seen the great world, and was content to stay in his pretty glass house under the big fuchsia tree until he attained the dignity of froghood.

    Apart from these two concepts which in their union mutually define one another as form and content. no conception of life is possible.

    The sense of peace descended upon her again, and she relaxed against him, content to her soul to be surrounded by his scent and heat.

    He understood that for him the storm had blown over, and that Kutuzov would content himself with that hint.

    Howie remained silent during verbal our exchange, looking form one of us to the other, content to let us orchestrate the production.

    Quinn and Martha perpetually had their hands full with their baby and Betsy stayed home, content to have extra time with our expanding garden.

    Most of the guests seemed content in the parlor, listening to Pumpkin Green ramble away about his upcoming Fourth of July water fight.

    Instead, he rose—a suggestion they go inside—but Cynthia and Mrs. Lincoln were content together, as if oblivious to Pumpkin and Westlake.

    He knew what she was, and he was content to call her nishani, the title given to a warrior’s lifemate.

    Evelyn knew she didn’t deserve to feel at peace after the mess she dragged Kiera into, but she did feel it, and it made her genuinely content for the first time since she’d kidnapped her best friend.

    I’m content to give them fair value for their bucks and try my best to see that they enjoy themselves.

    Dean found the deep powder beyond his limited abilities and Donald Ryland seemed content to stay with him and ski the packed trails, sometimes cutting off to test the moguls and deeper snow at the trail’s edge.

    Only by separating the two sources of cognition, related to one another as form to content. do we get the mutually exclusive and separately incomprehensible conceptions of freedom and inevitability.

    He remained content to leave such criminal havoc in the hands of the police.

    For now, he was content to make her life miserable while she fed him information about Gabriel.

    For instance, I could hand carve bird calls and then advertise them only to people who are looking at online content about hand-carved bird calls or who search the Internet for information about hand-carved bird calls.

    I was persuaded, however, to content myself with the gifts from the tree and leave the others until morning.

    At the same time Dr. Bell added that I could rest content and fight my way through Radcliffe in competition with seeing and hearing girls, while the great desire of my heart was being fulfilled.

    From the first she was not content to be drilled in single sounds, but was impatient to pronounce words and sentences.

    I see these men every day go about their business with more or less courage and content. doing more even than they suspect, and perchance better employed than they could have consciously devised.

    Are you content with yourself and with your life?


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    Portable C string and wide string replacement functions: repl_str and repl_wcs


    Portable C string and wide string replacement functions: repl_str and repl_wcs

    The standard C library doesn’t include a string replacement function, which it might have called strrep, strrepl, strreplace or even, less likely, str_replace. The Standard requires that we do not use any of those names for our user-space implementation, because they impose on the reserved function namespace, str*. I’ve chosen instead the name repl_str. The purpose of this function is to replace in the input string all occurrences of a source/search (“from”) substring with a target/replace (“to”) substring, and to then return a post-replacement string, doing all this as efficiently as is possible without specific knowledge of the nature of the strings.

    For those familiar with PHP, this function is a C equivalent for PHP’s str_replace function, except for its order of parameters, its inability to accept array parameters, the possibility that it will return NULL. and the need to free the memory of the char pointer that it returns.

    Replaces in the string str all the occurrences of the source string from with the destination string to. The lengths of the strings from and to may differ. The string to may be of any length, but the string from must be of non-zero length – the penalty for providing an empty string for the from parameter is an infinite loop. In addition, none of the three parameters may be NULL .

    The post-replacement string, or NULL if memory for the new string could not be allocated. Does not modify the original string. The memory for the returned post-replacement string may be deallocated with the standard library function free when it is no longer required.

    For this function to compile, you will need to also #include the following files: string.h . stdlib.h and stddef.h .

    Portable to C compilers implementing the ISO C Standard, any version i.e. from C89/C90 onwards. It is possible to compile this function as C++ code with the addition of casts to the returns of the realloc and malloc functions. You can click the “C++ify” link to add these casts (Javascript), or add them yourself (if your browser doesn’t support Javascript: the correct types are (ptrdiff_t *) for realloc ‘s return, and (char *) for malloc ‘s return). Note: I am not knowledgeable about C++, so cannot say whether or not this is valid C++ code; all I know is that a reader has contacted me with this advice, having successfully compiled the code using g++ after adding these casts.

    Optional. If you choose to indicate attribution when using this function, feel free to link to this page.

    In case you are curious enough to want to compare this implementation with alternative implementations, you are welcome to compile and run the code in the benchmarking file, replacebench.c. In that file, the above function is included as replace_cache. and the functions originally published on this page as replace_str2 and replace_str are included as replace_opt2 and replace_opt. Code/functions are included from the comp.lang.c thread, how to replace a substring in a string using C?. from answers to the stackoverflow question, What is the function to replace string in C?. and also from private correspondence. See the comments top of file for instructions on compiling and running it.

    In most scenarios, the fastest replacement function, by around 10-20%, is Albert Chan’s replace_smart. followed by the above function: repl_str aka replace_cache. There are some scenarios, though, where repl_str is faster than replace_smart. sometimes by up to 200%. These scenarios involve long strings with few matches. Why, if Albert’s function is generally slightly faster than the above repl_str function, is it not the focus of this page? Because it generally uses much more memory than repl_str .

    The third fastest implementation is typically replace_str2 aka replace_opt2. For longer strings in the case in which the lengths of the “from” and “to” strings differ, repl_str aka replace_cache beats it by margins of up to about 80%. For smaller strings, and in the case where the lengths of the “from” and “to” strings are identical, replace_str2 aka replace_opt2 is faster, by a maximum margin of about 35%, sometimes in those scenarios beating replace_smart too. Some of the other functions are also faster for smaller strings. The even-match point between replace_str2 and repl_str (assuming “from” and “to” string lengths differ) depends on how far into the string the final match occurs, how many matches there are, and the comparative lengths of the old and “to” strings, but roughly it occurs for strings of 700-800 bytes in length.

    This analysis is based on compiling with GCC and testing on a 64-bit Intel platform running Linux, however brief testing with Microsoft Visual C++ 2010 Express (scroll down to “Additional information” at that link) on Windows 7 seemed to produce similar results.

    The function description is as above except under “Dependencies”, replace string.h with wchar.h . and, if compiling as C++ code, the cast to add for the return of malloc should be (wchar_t *) (this can be inserted automatically again by clicking the “C++ify” link if your browser supports Javascript). The function itself is also identical except with ordinary-string functions replaced by wide string functions. Given an appropriate locale, this function can be used to perform replacements on Unicode strings, including those originally encoded in UTF-8. An example usage is provided in the wreplacebench.c file.

    Both functions above match case-sensitively. If you wish to match case-insensitively, then you will need to replace strstr and wcsstr with case-insensitive versions. The Standard, unfortunately, does not provide these. Many Linux/UNIX systems, however, provide strcasestr as a case-insensitive version of strstr. If you need your code to work on a system that does not provide strcasestr. and you either will not distribute your application, or are able to distribute it under the GPL, then you could adapt the glibc implementation, in the files strcasestr.c and str-two-way.h. Otherwise, you will need to roll your own or find a variant under a licence compatible with your own code.

    There does not seem to be an equivalent wide string version even on Linux/UNIX systems, so you will either need to roll your own or perform a web search for wcsistr and adapt any code you find under a licence compatible with your own code.


    • 12 December 2016
      • Moved this changelog to the bottom of the page from a messy series of “update” notices at the top.
    • 10 September 2016
      • Fixed a potential realloc memory leak.
      • Fixed so gcc doesn’t issue a warning when compiling under the C99 standard or higher.
    • 28 February 2016
      • Added a note on C++ compatibility, and the “C++ify” links. Renamed the function parameters from old and new to from and to respectively, because “new” is a reserved word in C++.
      • Noted under Performance that Albert’s function, whilst generally fastest, also generally uses more memory than repl_str .
    • 07 May 2015
      • Updated the initialisation of cache_sz_inc_factor from 2 to 3, which seems to be optimal.
    • 21 April 2015
      • Added a wide string version
      • Added a section on case-insensitive matching .
    • 02 March 2015
      • Having realised that I can’t be 100% sure of the copyright of the functions I had originally included on this page, due to realising that they were largely based on someone else’s code as posted to the comp.lang.c newsgroup, and having discovered some old code of my own lying around which used a slightly different approach – that of caching – I decided to clean up that old code and publish it here instead of keeping the functions of more questionable copyright up. You can still find those old functions in the benchmarking code linked to above.

    First published: August 2009 (under /softwareandcode/C_string_replace). Last modified: 12 December 2016 18:02:42 Australia/Hobart time zone


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    How to Build Websites #how #to #create #a #tutorial #website


    The easiest web design tutorial on the web

    Get started now no experience required! is designed for total beginners and for people who use apps like Dreamweaver and other wysiwyg apps (wysiwyg stands for: What You See Is What You Get ) and now want to learn what s going on behind the scenes .

    To really understand web design, you need to learn HTML hand-coding; it s easier than you think!

    Why learning HTML and CSS makes sense.

    Web design apps like Dreamweaver are fine, but if you want to be able to build modern responsive HTML5 based websites, then these apps will get in the way of you learning (because you have to learn the app on top of the code) and will actually slow you down!

    Learning to build your web sites using HTML will give you far better control over the process, and ultimately your web sites. On top of that, you will have a far deeper understanding of the web, and as a result you will create better websites quicker much quicker.

    Three ways to learn web design:

    If you have questions, feel free to contact me.

    Latest Blog Posts

    May 27, 2017

    It is well known that coding (which includes the web design coding languages) is now an essential subject for students of all ages. Many US states and countries around the world, are making code a core part of their curriculum. … The challenge many schools are facing though, is finding teachers to teach the coding

    May 19, 2017

    I started building websites in 1994 and started teaching web design in 2000. Since even the early 2000 s (I won t even talk about the 1990 s!) much has changed when it comes to building web sites!

    If you are teaching your students old-school methods from that era (ex: XHTML, Dreamweaver, Photoshop) that is akin to teaching them how to use typewriter. In fact, teaching old web design methods might even be worse than teaching students to use a typewriter, because students will have a harder time unlearning antiquated methods.

    April 27, 2017

    Over the last 6-7 yrs of working with schools to deliver an effective code curriculum, we ve found that open ended lessons plans is the way to go. The following is from StudioWeb s outline on why we choose flexible open ended lessons, over fixed lesson plans: Code Course Lesson Plans Our experience has taught us that

    Buy my book on Amazon today!

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    Paralegal Certificate, Certification and Certified: What – s the Difference? #how


    You are here: Home / Blog / Paralegal Certificate, Certification and Certified: What s the difference?

    Paralegal Certificate, Certification and Certified: What s the difference?

    This blog is going to cover paralegal certificates, but first I want to make sure that you understand the distinction between a certificate and being certified or having certification. The easy way to remember it is that schools do not offer certification they offer certificates; having a certificate or degree can lead to being certified or attaining certification. In other words, the certificate or degree comes first. Certification requires taking qualification exams through state agencies or paralegal associations, along with meeting any other educational or professional guidelines mandated by the certificate-granting association, state or agency. For example, two national professional associations that offer a paralegal (or legal assistant) certification credential are the National Association of Legal Assistants (NALA) and the National Federation of Paralegal Associations (NFPA).

    *Whether you’re looking to earn an undergraduate degree in preparation for the Certified Paralegal Exam, or ready to advance your career with a master’s degree in legal studies, accredited online programs make it easier than ever to get the education you need:

    What is a paralegal certificate and how does it compare with a degree?

    Types of Paralegal Certificate Programs

    Most paralegal certificates are post-baccalaureate programs. In other words, they re for students who already have a bachelor s degree or, at the very least, an associate degree. This degree doesn t necessarily have to be in paralegal studies: you can have a bachelor s degree in business, fine arts, political science or pretty much anything. The main thing is that you have a higher education foundation that includes humanities, math, English and social sciences, and have developed reading, writing and communication skills that you can draw upon in your professional life. A post-baccalaureate certificate program can help you reach the next level of professionalism as it often lends itself to specialization in a specific area in this case paralegal studies.

    A few paralegal certificate programs can be completed right after high school. It is very important to distinguish between the two types of programs: post-baccalaureate programs are more like graduate programs, whereas programs that can be completed right after high school provide more of a technical continuing education with little or no general education to round out the course of study.

    There is a definite advantage to entering the workplace with a general education under your belt in addition to legal classes, and many employers specifically require an associate or bachelor s degree as a prerequisite for employment. However, if you need to enter the workforce right away, are already working straight out of high school and want to add paralegal skills to your resume for potential advancement or simply do not have the funds for a degree, then a certificate program that does not require a bachelor s or associate degree as a prerequisite may be for you.

    What s Required

    Certificate programs generally require anywhere from 18 to 45 credit hours. Since many, or even most students are already working, these programs are frequently set up so that they can be completed through night or weekend classes and/or on a part-time basis. Many certificate program can be completed within a year, even on a part-time basis, although most schools accommodate students by allowing them to take longer to complete a program.

    Post-baccalaureate programs vary in what areas of the law they cover, but most include legal research, legal writing, an introductory course in paralegalism, substantive law and a choice of courses in specialty areas of the law. Some schools offer multiple paralegal certificate options. For instance, some post-baccalaureate certificate programs offer emphases in areas like nursing paralegal, criminal law paralegal, business paralegal or educational paralegal. Within each of these programs are a few courses that focus on the law as it applies to that specialty.

    One great thing about these post-baccalaureate programs is that the students who apply to and complete these programs are generally older, more mature, have some work experience and are extremely motivated to excel in their chosen profession. These programs are definitely on a higher rung on the educational ladder than technical certificate programs, and as such are seen by potential employers as recognizable and valued achievements.

    The Role of a Certificate in Certification

    The National Association of Legal Assistants (NALA), one of the two main nationwide paralegal associations, requires that those who take the Certified Paralegal examination to become a Certified Paralegal have a paralegal education. Specifically, they require:

    • Graduation from a paralegal program that is:
    • (a) Approved by the American Bar Association; or
    • (b) An associate degree program; or
    • (c) A post-baccalaureate certificate program in paralegal studies;
    • (d) A bachelor s degree program in paralegal studies; or
    • (e) A paralegal program which consists of a minimum of 60 semester hours (900 clock hours or 90 quarter hours) of which at least 15 semester hours (225 hours or 22.5 quarter hours) are substantive legal courses
    • Alternative qualifications call for a bachelor s degree in any field, plus a year of paralegal working experience or seven years of working experience as a paralegal.

    Thus, if you already have an associate or bachelor s degree and complete a post-baccalaureate certificate program you meet the educational requirements for taking the Certified Paralegal examination, and with a qualified score on that exam you gain the designation of Certified Paralegal or Certified Legal Assistant. Law Offices, corporations and other employers recognize this as a milestone of professional excellence and certification is frequently a preferred prerequisite for many paralegal positions. (NALA also offers an Advanced Paralegal Certification for those who already Certified Paralegals.)

    Choosing a Paralegal Certificate Program

    Certificate programs that offer specialized tracks can be excellent options for those who are seeking job fulfillment through specific areas of the law. For example, you may wish to become involved in ecology, and with a certificate track in environmental paralegal studies you will most likely find that the doors of NGOs with environmental missions will open wider for you. And, because the law impacts insurance, medical facilities and other areas of medicine, including drug companies, individuals who already have nursing degrees can graduate from nursing paralegal certificate programs and find paralegal positions in those fields because of their specialized knowledge.

    A certificate program is an excellent choice for working individuals who are looking to make a career change, whether within their field or in uncharted territory. It can also serve as an good opportunity for those considering law school as it enables students to get their feet wet in the legal field.

    Paralegal certificate programs can even benefit those who don t aspire to be working paralegals. Because the law impacts every aspect of our society, anyone who adds legal knowledge to their portfolio is also creating potential for advancement in their current job.

    Things to consider when looking for a certification program that fits your needs and goals include:

    • Are you looking for a simple technical certificate or a post-baccalaureate program?
    • Are you looking for a program with specialized tracks?
    • Is your undergraduate degree already in legal or paralegal studies? If so, does the certificate program cover new ground that will allow you to expand you knowledge or will it simply rehash what you have already learned?
    • If you didn t cover legal studies in your undergraduate degree, does the certificate program offer the basics of legal research, analysis, writing, substantive law, technology and management?
    • What other obligations do you have, whether work or family, that will affect the demands on your life and what accommodations does the school have that will fit with your schedule? How long do you want to take to earn your certificate?
    • What are the professional credentials and experience of the faculty?
    • What resources does the school have in terms of research tools, classrooms, online accessibility and job placement programs?
    • How much do you want to spend?

    With answers to these basic questions you are sure to find a school that can provide you with a quality education that meets your needs and helps you achieve your specific career goals.


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    The Opportunity to Become a Travel Agent with our Independent Home

    #independent travel agents

    Starting at $125, our Independent Travel Agent program includes complete start up and training. Travel is one of the fastest growing segments on the Internet. New technology has allowed independent travel agents to access computerized reservations systems (CRS) through the Internet from their home. As a home based travel agent and a member of the Prestige Agent Network, you can begin enjoying commissions income, travel benefits and an independent lifestyle working right out of your home or office on a part-time or full-time basis. The choice is yours, but whatever your expectations, we want to help you make them a reality.

    Many people are attracted to the travel business because they want to experience the excitement of the travel industry, gain additional income and qualify for travel benefits. In order to accomplish this, some people pay $50,000 or more to purchase a retail travel agency to obtain nearly the same income potential and benefits that you can have with a home, office or web based agency affiliation with our partner agency to become a travel agent and operate your own independent travel business.

    The Concept.

    The Prestige Agent Network offers cutting edge technology and systems which support a network of independent travel agents throughout North America. All of the travel agents in our network earn commission and participate in benefits and activities enjoyed by professional travel agents. Our members also benefit from the buying power and influence of our partner agency in the travel industry. When you get started you will receive your start-up support package, including a training manual, audio training CD and video training DVD.

    The Travel Industry Today.

    Travel and tourism is the world’s largest industry, generating nearly $4 trillion in annual revenues and employing over 127 million people worldwide. Since the 1950’s, travel and tourism has consistently grown at an average daily rate of 10 to 11 percent.

    Almost all segments of the travel industry are experiencing growth including hotel and vacation travel. Nowhere is this more obvious than in the cruise segment. Cruise lines have put new mega liners into service and continue to order new ships for delivery every year. In spite of the phenomenal growth that has taken place in the cruise industry only about 11% of all Americans have taken a cruise. This presents an incredible opportunity for travel agents. The time to become involved in the Travel Industry is now! Travel organizations predict enormous increases in international travel between now and the year 2020. You can be a part of this remarkable growth.

    Information Request Form

    Download the Network Membership Application


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    How do I Become an Online School Teacher? (with pictures) –


    wiseGEEK: How do I Become an Online School Teacher?

    An online school teacher provides educational support and assistance to online students. Online school is a term used to describe educational institutions offering courses over the Internet. The requirements to become an online teacher differ based on the subject, audience and certification being provided.

    Online schools that are offering government managed educational programs must have teachers with the same qualifications as a brick and mortar school. Online school teachers for elementary and high school programs must have an undergraduate degree and a bachelor’s degree in education. The requirements for teachers differ in many states. The ones that are in effect for the state you are teaching in must count.

    To become an online school teacher for programs aimed at adults, you must have an expert level of knowledge and an excellent understanding of the subject. Most schools require a bachelor’s degree in a related field and traditional teaching experience. Additional certifications in adult education or online learning are beneficial.

    Online schools that are providing a branded program must have teachers with the qualifications required by that program. The license that allows the online school to offer the program stipulates the educational requirements for the instructor. If there are any complaints, or issues surrounding this, the school may have their license revoked.

    Education is a huge industry and provides billions of dollars in revenue to schools. Because of this, the competition for students is quite high. People are cautious when selecting an online school and check into the background of the online school teacher in much greater detail than they would for a traditional instructor. As a result, many online school teachers are actually overqualified for the material that they are teaching.

    To become an online school teacher, there are three things that you must have: post secondary education, teaching experience and technological skills. Although the requirements may differ in detail, all online school teachers must have a senior level of education in their field.

    Teaching experience is essential for an online school teacher. Obtain classroom experience by volunteering to teach at a local school. Offer short seminars on your subject. Presentation, public speaking and answering questions are all teaching skills that must be learned.

    Online schools rely heavily on technology. You must be comfortable using course management software, recording and editing lectures, providing online notes and moderating student discussion boards. Time management is a critical sill when teaching and a quick turnaround on assignments and questions will greatly enhance your student’s enjoyment of your course.

    Article Discussion

    It is a little bit harder because you can’t read the child facial expressions and the online set up seems a little cold to me. I know that a lot of people take college classes online, but that is different because adults are more independent and it fits their lifestyle better.

    I don’t think that kids are that independent that they can take a series of classes online without the regular give and take in the classroom. I think that teachers that are drawn to this profession are probably not going to want to be tied to a computer at home. I think most would want to get to know their students face to face.

    1) The funding shortages in a lot of states have really created the need for online public schools. Allowing students the chance to take classes at home really saves the school district money.

    I have looked at working for one of these schools and they usually require at least three years of actual teaching experience in classroom along with a teaching certificate and a Bachelor’s degree. These positions also require the teacher to be available from 9 to 5.

    They also require a lot of communication with the students and their parents and I think it is a great fit for someone that has the credentials, but wants a change of scenery. Some people don’t like dealing with the office politics that you deal with while working in a school and this set up is ideal for that type of person.

    I think that in Florida, the teachers hired for the Virtual School start off at $45,000 a year.


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    Starting a Travel Agency From Home – A Quick Guide #travel

    #home based travel agent

    Starting a Travel Agency from Home

    If you re thinking of starting a travel agency from home, you re in luck.  The start-up costs are relatively low and there are plenty of opportunities for someone with the passion for selling travel.  Utilizing a host agency makes it a plug-and-play experience with very little risk or low up-front costs.

    Why Use a Host Agency?

    The first thing you ll want to do is start looking for a host agency.  For independent agents (those not employed by a travel agency), about 50% go with a host, 50% chose to go on their own.  I m an advocate of a host agency for nearly all agents new to the industry; the 50% that choose to go on their own are nearly all experienced agents with large books of business and established supplier relationships.

    Now, if you re asking what is a host agency that s a key component to understand.   Start by reading our post  covering that topic.

    Next step,  understanding why you need a host agency.  In a nutshell, a host agency will keep your costs down, allow you higher commissions, do back-end work like commission tracking for you, and provide training and support.  Some even include Errors Omissions insurance.  Our 7 benefits to using a host agency article goes more in-depth into why you would want to use a host travel agency.

    When you use a host agency, you don t have the cost or hassle of getting your own ARC. CLIA. or IATA number. You ll use the host agency s accreditation number and be under their umbrella.  If you are an agency using the GDS, the host files the ARC report, saving you tons of time each week where you re not filing the darn thing.  Another bonus?  They also save you lots of moola by not having to be an ARC appointed agency and in some cases, help you earn more through their agency s exclusive airline contracts.

    One last note on saving you money.  Travel host agencies add a little more change in your pocket by taking care of some of the required travel agency licensing .

    It s true, you don t need a host agency, you can go completely independent or join a franchise, co-op, or consortium. However, when you re starting a travel agency from home, having access to the higher commissions, experience, and tools the host agency offers will be extremely helpful.  Beyond that, they offer lower risks and investment while also giving higher commissions.

    Getting Ready to Start Your Home Based Travel Agency

    You may be excited to start your travel agency from home but there are some things you will want to take care of before signing up with a host travel agency.

    • Choosing your travel agency s name  The host agency is going to want to know your travel agency name for their records so have it ready.  You ll also need it for the rest of the list below.  Read our Tips for Choosing Travel Agency Names for some guidelines and make sure to buy the domain.  Don t forget to find a travel niche before you name your travel agency!
    • LLC or Sole Proprietor or Corporation You ll want to talk to your tax advisor to see where you ll get the largest financial benefits.  Most small agencies with few assets start with sole proprietor.  If they get large enough, they ll move to an LLC.  One thing to note, figuring the best fit out ahead of time is a good idea.  You can imagine the expense and paperwork needed by banks, the state, etc. when you legally change your business name.
    • Register DBA/your company with the state A DBA is doing business as .  If you choose to become a sole proprietor, you may need to register it with your state as a DBA.  The Small Business Administration (SBA) website shows how to register your company s name by state. (Note: Not all states require you file a DBA)  If you are an LLC, the SBA also has a state by state guide on how to register your LLC .
    • Get an EIN (optional) Technically, you don t need an Employer Identification Number (EIN) since you can use your social security number with certain business structures.   However, I personally prefer not to give out my social security number if I don t have to.  In general, I would recommend getting an EIN  for your travel agency.  Also, make sure to check in with your tax professional when it s tax filing time for certain business structures, you may still file under your SS# even though you have an EIN.  Confusing, I know.  That s why you go to the professionals!  
    • Get a business bank account and credit card set up Again, you don t need a business bank account or credit card but you ll have wished you d had set one up come tax time.  Having separate accounts from the start makes accounting easier and  keeping track of business expense write offs.  Lastly, if you re anything beyond a sole proprietor, you want to keep your money separate to reiterate to the IRS that you and your business are separate entities for tax purposes!
    • Read our Home Based Travel Agent Resources page  I put together a page with loads of links so you don t have to scour the web.     Here she be, the Home Based Travel Agent Resources page.

    Don t worry if you didn t do these things yet, it s not the end of the world but you do need to do them as soon as possible.  Once you start your travel agency from home, you ll have lots of other things needing your attention so laying the groundwork properly as soon as you can is in your best interest.

    Signing up with a Host Agency

    Signing up with a host agency is an easy process and doesn t take long.  Many host agencies will do a background and/or credit check before you are accepted into their program.  Some host agencies require phone interviews.

    There are many, many host agencies vying for your business. make sure you ve done your due diligence and found the best fit for your home based travel agency.

    Starting a travel agency from home is surprisingly easy.  The difficult part is learning the travel industry and building up your clients.  It requires passion, drive, and patience.  Having been a host agency director for over 5 years, I can tell you it takes around 2-4 years before most new home based agents feel comfortable with the industry and start to see their businesses take off.  Don t let that scare you, I can also tell you that those agents that had the passion, drive, and patience haven t looked back since and are living their dream!  Check out our post on how much a travel agent makes  for more on earning potential.

    If you like what you read, we think you should think about joining over 6,000 other subscribers to our monthly newsletter  for more helpful articles.  If you found it uber helpful and want to say thank you, please give us a like, tweet, +1 at the top to help others find our article!

    Questions?  Ask Away.

    I ve worked with thousands of agents looking to start a travel agency from home over the years.  Ask your questions in the comments below or drop me a line on Facebook. Twitter. or Google+ .  The travel industry opens possibilities of traveling to beautiful places to help you do your job better.  It s important to understand you still have to work in the travel industry (boo), you just get to have a lot more fun doing it than most people (yay)!  


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    Starting a Travel Agency in the UK #cheap #airline #travel #tickets

    #travel agency uk

    Starting a Travel Agency

    Open a European has over 8 years of experience within worldwide company formation, and now, we have partnered with a specialist travel consultant boasting over 15 years of experience within the industry. If you are considering starting a travel agency in Europe, then you will need specialist advice before setting up your company and for licence applications. Whether you are looking to set up a travel agency in the UK, Ireland or the rest of Europe, our specialist can help you.

    Here is what he says:

    Starting a travel agency in the UK can appear to be very confusing, and at times it is. This is because in order to understand whether or not you need a licence to operate, and if so, which licence is the right one for you, there are a number of regulations you need to consider and get to grips with.

    With over 15 years of experience in regulations that govern travel, we are confident that we can help make your process of obtaining a licence, far simpler.

    Our consultant will:

    • Discuss your plans, and set out the type of licence available for your business
    • Discuss the financial requirements required for the initial licence and what you need to achieve in order to maintain the licence
    • Assist in putting together the application (this can include writing the business plan and financial projections)
    • Attend any meetings required by the licencing bodies
    • Use our comprehensive list of contacts to help you meet the requirements at a low cost to you
    • Provide ongoing support, including the annual renewal of the licence(s)

    To talk to us about starting a Travel Agency in the UK, call us on +44 (0)208 421 7470, or simply fill in your enquiry below and we ll get straight back to you


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    Score a dream vacation for less: Black Friday and Cyber Monday

    #vacation deals

    Score a dream vacation for less: Black Friday and Cyber Monday travel deals

    Spring Creek Ranch

    Fashion hunters and wide screen TV lovers may be camping out in the cold for door buster deals on Black Friday.

    But savvy travelers looking to score their dream vacation know the best way to score a great vacation is staying right at home. Deal site RetailMeNot estimates that 35 percent of employed Cyber Monday shoppers are even willing to take the day off work to score the best bargains.

    Black Friday and Cyber Monday have become big discount days for hotels and resorts around the world to offer special deals at rock bottom prices.

    This year, hotel chains like Morgans are offering rates up to 41 percent off at international locations, while Rail Europe is making it easier– and cheaper– than ever to see more countries with discounted train tickets.

    So get your computers ready and don’t forget these codes.



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    Requirements to Become a Travel Agent #cheap #travel #packages

    #become a travel agent

    What are the Requirements to Become a Travel Agent?

    As a travel agent, you are responsible for helping prospective tourists and business professionals map out their trips. You sift through countless deals, flights, cruises, hotel packages, and destination tours to help your clients select optimal travel and accommodation arrangements for their upcoming vacations or business trips. For any countries that you recommend to potential travelers, you are also expected to know basic information such as:

    • Weather conditions
    • Travel advisories
    • Customs
    • Ordinances
    • Visa requirements
    • Vaccination details

    Not surprisingly, the best travel agents are usually those who are passionate about the industry and take the time to master all of the nuances of domestic and international travel.

    Requirements to Become a Travel Agent

    While there are no universally mandated requirements to become a travel agent, many employers increasingly prefer to hire those with at least some education at the post-secondary level, especially if it is in business, hospitality, or tourism. It is also possible to enter the profession with a high school diploma coupled with several years of experience in a related field. For example, if you have already worked in dining or hotels, you might qualify for certain positions.

    As a travel agent, your biggest competitors are not always rival firms, but rather, the World Wide Web. Because Internet deals and online shopping have become more competitive in recent years, it is imperative that you remain abreast of industry changes, both in the travel business and in information technology. Computer skills are becoming increasingly essential, and although not mandatory, it also helps to be fluent in at least one foreign language. If you successfully master computers, the Internet, and a second language through a vocational travel program, you could have a decisive advantage over those who opted not to pursue formal education.

    Get Your Degree!

    Find schools and get information on the program that s right for you.


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    Planning a trip to Australia? #international #travel #deals

    #travelling to australia

    Planning a trip to Australia?

    We’ve compiled the practical travel information you need, including visas, customs, duty-free shopping, and insurance.


    Many airlines fly to Australia and prices vary considerably, so it pays to shop around for a flight. Consider the length of the flight and any mandatory stopovers. Start by contacting the major airlines or your local Aussie Specialist travel agent.

    Airport transfer

    All of Australia’s international airports have regular public transport such as bus, train and taxi connections and private transfers with the city centres. Shuttle buses are also available and provide transfers to accommodation.


    Many international cruise ships visit Australia’s cities, and there are opportunities to take tours and rejoin the ship or stay longer and fly back home. Most cruise ships visit Australian shores during the summer months.


    Unless you are an Australian or New Zealand citizen, you will need a visa to enter Australia. New Zealand passport holders can apply for a visa upon arrival in the country. All other passport holders must apply for a visa before leaving home. You can apply for a range of visas. including tourist visas and working holiday visas, at your nearest Australian Consulate. For more detailed information go to the Australian government Visas Immigration website

    Customs and quarantine

    Australia’s customs laws prevent you from bringing drugs, steroids, weapons, firearms and protected wildlife into Australia. Some common items such as fresh or packaged food, fruit, eggs, meat, plants, seeds, skins and feathers are also prohibited. There is no limit on currency but you will need to declare amounts over $10,000. For more detailed information go to the Australian government Customs Quarantine page


    Medicine brought into Australia for personal use is subject to controls and must be declared on your arrival. It is recommended you bring a prescription or letter from your doctor outlining your medical condition and the medicine you are carrying. For more detailed information go to the Medicare Australia website


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    Planning a Trip to Nashville, Places to See in Nashville #airline

    #planning a trip

    Free Music App

    Nashville’s free Live Music Guide App gets you total access to the local music scene.

    Places to Stay

    Find the perfect place to call home for your stay in Nashville, TN, from a luxury hotel or all-inclusive resort to a bed & breakfast or family-friendly accommodations.

    Trip Ideas

    Nashville travel ideas – girlfriends’ getaway, family vacation, music immersion, and more.

    Visitors Guide

    The Nashville Visitors Guide is a convenient publication to assist with your Music City trip planning.

    Visitor Center

    Nashville’s Visitor Information Centers offer travel assistance, tickets, maps, brochures, and more.

    Maps Getting Around

    Discounts Deals

    New Year s Eve Vacation Package!

    Rock out 2015 in style – Music City style! Celebrate New Year’s Eve with Kings of Leon, Kelsea Ballerini, Chris Stapleton, The Whigs, Wild Cub, and Sugar + The Hi-Lows. Package includes a stay at your choice of participating hotels, Tin Roof food voucher, and a New Year’s Eve party pack!

    Girlfriend Getaway Bachelorette Parties


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    Planning a Trip to Europe: Your 10-Step Guide #airline #travel #deals

    #planning a trip

    Planning a Trip to Europe: Your 10-Step Guide

    5. Book your airfare.

    Because airfare will probably be the most expensive part of your trip, you’ll want to book it before anything else (car rental, hotel, etc.). This will allow you to be more flexible with your dates, which is a great way to save money on your flight. You can also spend less by flying on international discount airlines like Aer Lingus.

    Enliven your trip with a layover in a different country. Many airlines, such as Air France, offer occasional free layover promotions. Stop by the Schiphol Airport for a day on the way to Paris and take the train into Amsterdam to see the Van Gogh Museum or the Anne Frank House.

    For more information:

    6. Book your accommodations.

    It’s time to go back to that rough itinerary you jotted down and fill in some places to sleep. As is the case with pretty much everything you book for your trip, the earlier you make arrangements, the better — especially during high season.

    Sure, you can just book a room at the local Hilton and be done with it. But do a bit of research and you could discover some funky lodging that’s almost as exciting as the attractions you plan to visit. Keep your eyes open for historic castles, tiny bed and breakfasts, houseboats, eco-friendly hotels or organic farms. Budget travelers take note: Vacation rentals, homestays, farmstays and house-swapping are accommodation options that can be shockingly affordable. or even free.

    For more information:

    7. Consider travel insurance.

    There are several kinds of travel insurance: trip cancellation insurance, flight cancellation insurance, medical insurance, etc. The best time to buy insurance is right after you put down the major deposits on your trip, whether that entails airfare, a package or prepaid hotels. Once you know how much money you’ve paid up front, you can insure your trip if you so choose. Many airlines and travel providers sell insurance that you can purchase along with your flight or tour package. Always, always read the fine print in your policy and compare it with other travel insurance policies before you make a purchase.

    Check your medical insurance coverage to see if you’re covered overseas. If not, you may want to purchase supplemental medical insurance to cover situations like the cost of transportation back home for emergency care.

    For more information:

    8. Book local transportation.

    When in Rome, ride the Metropolitana. Find out how the locals get around the destination to which you’re traveling, and act accordingly. You won’t need a car rental in places like bike-friendly Amsterdam or London with its convenient underground Tube, unless you plan to go outside the city.

    A car rental is your best bet if you’re traveling to locales that can’t be easily reached by rail or plane (such as the Irish countryside). Be mentally prepared to drive in a foreign country, which can be a frightening experience when faced with incomprehensible traffic signs, narrow streets or sheep roadblocks.

    To get from city to city or country to country, examine your rail options in comparison to routes and prices offered by European discount airlines like easyJet or Ryanair. Travelers embarking on extensive travel within Europe may save money by purchasing a rail pass that permits unlimited train travel within a specified region.

    For more information:

    9. Tackle last-minute logistics.

    A few weeks before your departure date is the right time to start taking care of a number of key logistics: money, phone, house-sitter, pet-sitter.

    Call your credit card companies to let them know you’ll be traveling abroad. While you’re at it, find out if you’re going to be charged a fee for using your card overseas. Research the locations of ATM’s in your destination, especially if you’ll be relying on cash.

    Does your cell phone plan or equipment allow you to make calls overseas? If not, your phone options include purchasing an international cell phone, renting a cell phone or getting an international calling plan (if you have the right kind of phone). While you may be tempted to leave the phone at home and really “get away from it all,” it’s smart to have an emergency phone with you if you’ll be traveling by car, or hiking or biking long distances.

    For more information:

    10. Pack.

    Instead of packing the day before your trip, start thinking about what you’ll need to bring at least a week before you leave. For one, if your destination of choice is suddenly experiencing abnormal weather, you may need that extra time to go shopping for something like a packable rain coat. Plus, experienced travelers know that the chance of forgetting something essential increases the longer one puts off packing. (It’s only a matter of time until a scientific study confirms this.) About a week before departure day, check the weather, put together a packing list, and take a look at your suitcase to make sure its wheels work and everything’s going to fit.

    For more information:


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    Planning a Trip to Europe: Your 10-Step Guide #rail #travel

    #travelling europe

    Planning a Trip to Europe: Your 10-Step Guide

    Before you can experience authentic Spanish tapas, piazzas in Rome or rooftop terraces in Prague. an important to-do list stands between you and your European vacation. The logistics involved in planning a Europe trip may seem tedious or overwhelming, but the more prepared you are, the greater your chances of a successful trip that lives up to your expectations. That’s why it’s important to do a bang-up job creating an itinerary, arranging transportation and tackling the brass tacks before you’re off to the Continent.

    The following simple steps will help you engineer a well-planned escape to Europe — so you can spend less time worrying about your travel arrangements and more time staring at pictures of castles and men in kilts.

    1. Get your documents in order.

    If you don’t have a passport, it will take four to six weeks from the time of application for you to receive one. Expedited services will trim the process down to two or three weeks, but it will cost you an additional $60, so it’s best to take care of this well before your trip. Already have a passport? Check its expiration date. The last thing you need is to find out your passport has expired while you’re in line at airport check-in.

    All car rental companies require drivers to have valid licenses in their home country, so you’ll also want to check the expiration date of your license. Some car rental companies also require an international driving permit for European rentals in addition to a valid driver’s license. For U.S. citizens, these can be obtained through the American Auto Association (AAA).

    U.S. travelers to Russia must have valid visas in addition to passports; obtaining one is a complicated process that can take weeks even after you have been approved — so start early.

    For more information:

    2. Establish a budget.

    It’s important to establish a budget as early as possible — even before you know your destination, travel dates or itinerary. Some destinations are generally cheaper than others, but there are ways to save everywhere: travel in the off-season, pick budget accommodations, plan a shorter trip. For example, London is an expensive city with an unfavorable exchange rate for Americans, but many travel providers and airlines offer affordable vacation packages to the city, and it’s not hard to find cheap air deals to London, especially during the winter.

    Set your budget early on, and you’ll avoid any disappointment that could come from forging a fabulous itinerary, like two weeks in Geneva during summer, and then discovering you can’t afford it.

    For more information:

    3. Pick a destination.

    Now that you know how much you can spend, where do you want to go? If you’re like many travelers (including the staff at and you have a humongous list of places in Europe you want to visit, this could be tricky. Some tips:

  • Pick a particular site that’s on your must-see travel list, and plan your vacation around that. Last year I planned a trip to Ireland centered on an excursion to remote Skellig Michael Island, a World Heritage Site I’d dreamed of visiting. The excursion turned into an unforgettable two-week Emerald Isle road trip.

  • Pick someplace timely. Visit countries’ tourism Web sites and search for seasonal events like festivals or local holidays (which you may want to either avoid or join, depending on how you feel about crowds). Don’t forget to check the weather before you decide on your destination.

    For more information:

    4. Create a rough itinerary.

    So you want to go to France. eh? Don’t go ahead and buy a roundtrip flight to Paris and a hotel room — at least, not yet. You’ll want to sketch out a day-by-day itinerary of your perfect trip to France before you book a thing. Research sites and cities you really want to explore, and then figure out which ones you have the time and budget to get to.

    Check out alternative ways to travel in Europe. If you want to see multiple countries or cities but are on a tight budget, you may want to consider a cruise (exchange rates are naught for U.S. citizens onboard American ships). Walking tours, bike tours, camping and adventure tours are other interesting options worth considering.

    For more information:


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  • Planning a Surfing Vacation? Get the Destination Lowdown #flights #cheap #tickets

    #surf travel

    Surfing Vacations

    Fancy a surfing holiday but don’t know where to start? Would like to surf in tropical waters with professional guides, great equipment and quality waves but don’t know where to go? Look no further.

    We have teamed up with the guys at LineupExplorers to bring you the the perfect the perfect, hassle free, surf holiday. The Lineup Explorers team are dedicated, passionate and motivated, and spend long hours meticulously researching and gathering information to ensure you get the total surf experience. Tried and tested locations are regularly re-visited. Have a surf trip to remember without the hassle and without the disappointment.

    The holidays on offer cater for individuals, couples, families and groups and can recommend and build the perfect solution for you, whether you are a first time surfer or a pro searching for that perfect surfing holiday.

    • Worldwide Destinations
    • Comfortable Accommodation
    • Book in your Own Currency
    • Run by surfers for surfers
    • Trips, Tours, Guides, Pilates / Yoga surf and Surf Clinics Available
    • Charter boats, resorts, surf camps, road trips and more

    Top Surf Trips

    Surf Camps – Looking to learn how to surf or improve your skills? Then a surf camp is what you need.

    Surf Charter Boats – Access to unique and uncrowded surf spots with otherwise inaccessible waves plus surf vessel crews helping you with local knowledge to create amazing surfing adventure.

    Surf Resorts – Surf resorts are perfect for your surf vacations.

    Girls Camps – If you want to learn how to surf with other girls, then a surf camp for girls or women surf camp is your best choice.

    Surf Yoga – Surfing and Yoga is a great combo. Mix a great surf travel with yoga lessons or yoga classes. Yoga Surf vacation mixes exhausting surf trips with regenerating yoga.

    Solo Traveller – Travelling on your own? Surf and travel YOUR way. Book a Solo Traveller trip.

    Party – Surf all day, party all night. Great surf spots during the day and an exciting nightlife in the evenings. Party, surf, party surf.

    Beginners Surf Holidays – If you’ve just started surfing and are looking to improve your surf skills rapidly a beginners trip will be ideal. Qualified coaches and surfers in the same position as you are. A great way to improve your surfing.

    Surfing Destinations Currently on Offer

    Europe Surf Holidays

    France, Portugal, Spain, Canary Islands

    Highlights include: surfing the quality beach breaks of southern france in the Landes and Anglet regions. North Spain is, without a doubt, one of Europe’s very best surf zones.

    Facing out into the North Atlantic, the whole coastline of Andalucia receives high quality swells that are frequently met by calm and sunny weather conditions, making this part of Spain an ideal surfing destination.

    Imagine waking up everyday to surf perfect conditions. This is a reality in Peniche on the Central Portugal Coast. Surf Coxos. probably the best known break in Ericeira.

    For at least a decade, Lanzarote has been one of the hottest spots in Europe to find year round consistent surf and sunshine. From October to April, the swell charges down from the North Atlantic and hits the north coast of Fuerteventura square on, providing Hawaii-style barrels.

    Africa Surf Holidays

    In recent years the small fishing village of Taghazoute in south Morocco. has been well and truly put on the surfing holiday map. The West Coast of Morocco, in North Africa has been on the traveling surfers’ map since the 60’s.

    Central America and Caribbean Surf Holidays

    Costa Rica, Dominican Republic, El Salvador, Mexico, Nicaragua, Panama

    With over 300 days of tropical sunshine and surf every year, surfing in Dominican Republic. one of the gems of the Caribbean. is a must for any surfer.

    Surfing El Salvador is simply great 26 C water and great surf spots surrounded by volcanoes and beautiful beaches.

    The Nicaragua surf offers gorgeous landscapes and warm water. The surf spots are rockin , the beaches breathtaking and the surf holidays epic.

    Bali, Maldives, Mentawais, Nias Hinako, Sri Lanka


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    Electron Cloud – Atomic Structure Seminar #what #is #a #electron #cloud


    I’m here to learn about the history and the structure of the Atom. So far I think I have a good understanding of the subject, but I still haven’t gotten an answer as to how they came up with the entire concept of the Electron Cloud.

    A good question. I do not blame you for asking. This answer is based in the research of a man named Werner Heisenberg, who created a theory called the Uncertainty Principle. To understand this, you must first learn the difference between Newtonian Physics and Quantum Physics. Do you know this already?

    Newtonian physics is the physics that you are most likely familiar with. In Newtonian Physics, you can know or determine the location of a object by knowing it’s mass, it’s momentum, and other factors such as resistance. For example, take a cannonball being shot out of a cannon. You would know the mass and momentum of the cannonball, and the angle that the cannon shot the cannonball at. From that, you can determine it’s precise location. However, now consider Quantum Physics. In Quantum Physics, normal laws of Newtonian physics do not apply, and from that, we have Heisenberg’s uncertainty principle, which states basically, that the more accurately a object’s momentum is known, the less it’s location at it’s given time is known, and vice versa. Therefore, you cannot determine the precise location of a Electron at any given time, and the best you can do is determine a area that the particle could be by probability. Thus us the electron cloud model.

    Wow. That was so clear. Now I understand everything! No wonder why they call you the Draco-Genius. Thank you so much, Draco-Genius Niv!

    So now young Norin’s quest is over. But you must answer one final question. It’s very simple.


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    Los Angeles Workers Compensation Attorney Fees – Serving LA & Ventura


    Los Angeles Workers’ Comp Lawyers Fees

    Attorney Fees

    Attorney fees in workers compensation cases are regulated by the Labor Code and the Workers Compensation Appeals Board.

    Attorney fees in workers compensation cases are contingent fees. If you lose your case, you owe nothing. If you get a settlement or award of benefits, my office gets 15%. The 15% attorney fee is paid from the employee’s workers compensation benefits. In a few cases, the employer might have to pay the attorney fee.

    In most cases, the 15% is based on the permanent disability award.

    If my office obtains other benefits after having gone to the Board, I request 15% to be withheld from past due benefits.

    If the case is settled, my office requests attorney fees of 15% on the amount of the settlement.

    California has one of the lowest percentages for attorney fees in the nation. The Labor Code provides for attorney fees between 9% and 12%. In practice, the Workers Compensation Appeals Board has approved 15% attorney fees for many years. My office as well as all other workers compensation lawyers in the Los Angeles area all charge and get a 15% fee.

    Additional Information:

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    Contact Us

    Phone: (818) 901-9999 Toll Free: (800) 438-7734

    Experienced California workers’ compensation attorney Kenton Koszdin is dedicated to helping injured workers navigate the California workers’ compensation system, so that you can get the compensation you need. With extensive experience and knowledge of workers’ compensation law in California, Mr. Koszdin will protect your rights and keep you up to speed on the progress of your case every step of the way. Call us today at (800) 438-7734 for a free, confidential consultation.

    Client Reviews

    – 5 stars – You’re Great!
    Everything that was talked about concerning the case came to be true. I like everything Koszdin and his office has done for me. Many thanks.
    – James O.

    – 5 stars – Thank You!
    The law offices of Kenton D. Koszdin handled my case with the most expertise, efficient, and thoroughly handled my case.
    – Diane S.

    – 5 stars – You cannot improve perfection.
    The speed and quality of work is perfect. Thank You.
    – Oliver M.

    – 5 stars – Thank you so very much.
    I thought the service was excellent and yes I will refer you to friends.
    – Lorraine P.


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    Jetsetter Moves Beyond Flash Sales: Recommendations Now A Third Of Its

    #jetsetter travel

    Jetsetter Moves Beyond Flash Sales: Recommendations Now A Third Of Its Business

    Walmart Buys Facebook s Birthday And Holiday Reminder App Social Calendar

    Jetsetter. the exclusive travel community for globetrotters, seems to be on a roll. In recent days, the company has announced a dozen some new corporate partners, a handful of new sale formats to entice customers, and new distribution partnerships with high-profile sites like Kayak. The Economist  and the vacation rental service HomeAway .

    But while many think of Jetsetter as a flash sales for travel site, it’s been finding growth in other verticals: curated recommendations and personal service.

    Launched back in September 2009, Jetsetter was the first flash sales site for travel, and has now outlasted much of its earlier competition. Unlike online travel bookings sites aimed at helping users find the cheapest flights and hotel rooms, Jetsetter’s angle is different. It targets not the everyday traveler, but the affluent one.

    “Jetsetter customers tend to be six-figure incomes, college-educated professionals, and they tend to come from major urban markets – New York, San Francisco, L.A. Boston, Chicago,” explains Jetsetter CEO and founder Drew Patterson. “These are people for whom travel, and their experiences in travel, are an important part of their sense of self,” he says.

    Targeting the elite customer has, so far, paid off. Jetsetter now has 2.2 million members, and has sold over half a million room nights worldwide. On the company’s website, members can take advantage of flash sales on travel, which offer savings of up to 50% off. The site runs anywhere from 20 to 40 of these sales per week. There’s also an online concierge service for bookings to help customers with travel planning.

    The available inventory for travelers now includes over 650 hotels and resorts in Jetsetter 24/7, its full-price retail offering, which today accounts for over 30% of the company’s revenue. There are also nearly 300 homes in Jetsetter Homes, an increasingly popular vertical for the company, with 500 more in the process of being added.

    “The non-hotel category of lodging has been exploding,” says Patterson, noting consumers’ interest in companies like Airbnb and Inspirato, for example. “Consumers are hungry for something other than hotels. It’s nice to have common space, a kitchen and living room versus bedroom,” he adds. But Patterson says that it’s still hard to book vacation homes online, not only because there aren’t many systems that support online booking, but also because of security issues.

    “There are concerns and risks around financial settlement,” he says. “Typically you’re wiring funds with a homeowner, and you’ve never met this person before. You haven’t seen the product before. There’s a fair amount of risk and uncertainty involved in that.”

    Jetsetter wants to step in to be the middleman for those transactions, taking on the financial risk, he says. They curate and vet the properties, even going onsite to visit them. That helps to establish trust with their users.

    In addition to vacation rentals, Jetsetter’s personal travel planning offering executed 600 trips last year, despite having only launched in June. Today, there are approximately 400 trips in progress, which consumers booked thanks to the recommendations from Jetsetter’s network of over 200 correspondents – experienced travel experts and writers who visit the hotels and partners on Jetsetter’s behalf.

    It’s this focus on curation, personalization and recommendation that’s proving to be a growing part of Jetsetter’s business. One third of the company’s revenue came from retail in January, as customers seem willing to pay full price when recommendations are involved.

    Jetsetter is also going after customers through other verticals, specifically through new distribution partnerships like travel site  which will see all 650 Jetsetter hotels made available for bookings, as well as with the vacation rental website HomeAway. which is testing Jetsetter integration  with 150 homes. The company is also working with The Economist  on an exclusive 6-week campaign of flash sales curated for the outlet’s readers, which includes distribution through The Economist’s homepage, newsletters, social media and mobile.

    New sales formats have been recently introduced to provide a variety of experiences for Jetsetter customers. One, the “Mystery Monday” model, will provide deeper discounts to customers willing to book before learning the hotel’s name. It’s not all that unlike the blind bookings Priceline offers, but the hotels selected are of high quality, like The Ritz-Carlton, the Four Seasons, and The Surrey, all of which made an appearance in January.

    There are also two-to-three night getaways called Jetsetter Weekends, focused on a collection of inns and B B’s outside of Jetsetter’s top seven markets (N.Y. Boston, D.C. Miami, L.A. San Francisco, and Seattle). Meanwhile, new “Style Steals” offer discounted rooms at hip, boutique hotels. Jetsetter also says it occasionally runs sales for properties that prefer the voucher format like the Trump Hotel Collection, The Peninsula Hotels, Marquis Jets, and Groundlink, for example.

    With all these sales formats combined, it seems that you can no longer call Jetsetter just a “flash sales site” for travel, even though it has an association with sister site Gilt Groupe. known for its flash sale properties.

    “We obviously have a flash sale part of the business. That’s hugely important because that was our roots,” says Patterson. “But we also found that customers would write us early on and say, ‘I missed the sale. You emailed me something last week and it seemed great, but it’s not up there anymore. Just tell me what it was. It looked great and I want to go buy it.’”

    “We said, Huh?’” he laughs. “But we had enough of these that it seemed like consumers really seemed to trust our judgment. That judgment is an important part of our business and our brand.”

    And flash sales?

    “Flash sales can inspire consumers and give them ideas for where they should go,” he says.


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    How to Get a Good Price for Airline Tickets #travel #ins

    #price airline tickets

    How to Get a Good Price for Airline Tickets

    Promoted by

    Comparison shop for your ticket prices. Travel sites such as Expedia and Travelocity allow you to enter your flight information and view the prices and times of flights on multiple airlines with just one search.

    Shop early; don’t procrastinate. Waiting too long to buy your tickets often means missing out on the lowest fares. Airline prices are typically at their lowest three to four months prior to your travel date, but they do fluctuate regularly. As departure dates get closer, supply and demand causes ticket prices to rise considerably, although in some cases good last-minute deals can be found as airlines scramble to fill empty seats.

    Be flexible. If you don’t have to be somewhere on a certain day, change the date of your departure by one or two days to see if the price drops. Often you’ll find that flying on a Monday is considerably less expensive than departing on Saturday or Sunday. According to Rick Seaney, CEO of, Wednesday is the least expensive day to fly.

    Compare airport prices. You know you can compare fares on different airlines but you also have the ability to compare fares flying to/from different airports. For example, if you are flying into New York City, try looking for tickets into JFK, Newark and La Guardia and choose the one with the lowest price.


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    Mortgage Prequalification Calculator: Do you Prequalify For Mortgage? #mortgage #prequalification #calculator,


    Prequalification Calculator

    User Rating. ( 449 votes, average: 2.63 out of 5 )

    Want to prequalify for a mortgage? Our mortgage pre-qualification calculator shows how lenders see you. See how much you can afford based on yearly income, debts other factors. Our mortgage pre-qualification calculator will indicate how much you can borrow with a home loan by analyzing your income, assets, and current mortgage interest rates available to you.

    How to use the Prequalification calculator

    Enter Your Financial Information

    • Gross Monthly Pay: Your household income before taxes and deductions.
    • Loan Term: The number of years you’ll have to repay your mortgage.
    • Annual Percentage Rate (APR): Enter the estimated mortgage interest rate (see a list of current mortgage interest rates ).
    • Local Property Tax Rate: You can obtain this information from the local property tax collector’s office or website. Enter the percentage rate (not the dollar amount) in the calculator.
    • Money Available for Down Payment and Closing Costs: The amount of cash you have to pay toward these expenses.
    • Other Monthly Obligations: Include recurring installment payments, including credit cards, auto payments, personal and education loans.

    Click the “calculate” button, and check the results.

    30 Yr. Fixed – Purchase Rates from Our Lenders in California

    Home Purchase or Refinance: Can You Prequalify?

    • Home Value / Purchase Price: The maximum amount you prequalify for, based on the information provided.
    • Total Cash Paid at Closing: The amount you’re contributing for closing costs and a down payment.
    • Cash Applied to Closing Costs: An estimate of closing costs.
    • Cash Applied to Down Payment: What’s left of your cash contribution is used for a down payment.

    Monthly Housing Expenses

    • Mortgage Payment: The amount of the principal and interest payment based on the amount you qualify to borrow and the interest rate you’ve entered.
    • Property Taxes: The estimated monthly amount of property taxes. If you’re putting less than 20% down, this amount will be added to your mortgage payment.
    • Mortgage Insurance: A down payment of less than 20% of the purchase price will require mortgage insurance, which will be added to your mortgage payment.
    • Hazard Insurance: As with taxes and mortgage insurance, this will be added to your mortgage payment if you borrow more than 80% of your home’s purchase price.
    • Total Housing Expense: This amount generally shouldn’t exceed 28% of your gross income if you want to prequalify.
    • Other Monthly Expenses: The amount you entered for other monthly payment obligations.
    • Total Monthly Expenses: The sum of your total monthly housing payment and other monthly expenses. It generally exceed 36% of your gross monthly income for pre-qualification purposes.

    These figures are guidelines. Those with spotless credit, lots of assets, or a very stable job history might qualify for more financing. Conversely, those with credit problems or minimal assets may qualify for less. We recommend that you speak directly with lenders to determine what is right for your situation. You can request up to four free quotes from competing lenders here, with no cost and absolutely no obligation to you.

    You can also compare savings on loan terms, rates and amounts using the amortization calculator. and determine potential benefits of refinancing using the refinance calculator

    38 Responses to “Prequalification Calculator”

    1. Taylor 22, Sep, 2012

    Nice. It says up to $70,000 for a mortgage loan. I’m a first time home buyer and that’s exactly what I’m looking for. $529 for total monthly expense with mortage insurance and hazard insurance for my low 4% down payment. But did not expect $2000 in closing costs. Thanks

    Thanks for this tool

    I have no mortgage on my property. I’m interested in getting a cash-out refinance or a home equity loan, and I’d like to know how much money will I be able to borrow, will the calculator work for that purpose, or do they have a different standard? Thanks

    Excellent tool and excellent responses to the other “tools” below! Thanks so much for making this available and for your thorough responses to questions!

    Okay, um the calculator says i can afford a $3,695,000 home. I entered $100,000 for annual income. How much more inacurate can this stupid thing be? – – EDITOR’S COMMENT – – _ The calculations are fine. You made a simple mistake by entering $100,000 when you should have entered $8,333 as your income. (The calculator asks for “monthly” income, not “annual” income.) I can re-create your results if I put $100,000 in monthly income, $10,000 in closing costs, and $0 in monthly expenses. Maybe you don’t have any credit cards, auto loans, bank loans, student loans or anything like that, but if you do, you need to enter all monthly financial obligations that you’ll be making payments on, in order to achieve accurate results. You can leave out irregular expenses like groceries, gas, utilities and other standard living expenses, and you can leave out any expenses that will be going away as soon as you start your new mortgage (such as rent on an apartment). But other than those types of things, lenders will factor in all your ongoing financial obligations into your prequalification calculations, so remember to include those. Please try your calculations again. I’m sure you will find that it will work well for you!

    Hmmmmmm. I just did this for a kick because we received our actual prequalification letter today. This calculator pre-qualified us for $130,000 LESS than our actual prequalification and for a payment that is almost $200 below what we are currently paying for rent. Not very accurate. – – – – EDITOR’S COMMENT: Actually, the calculator is accurate, but there’s no law that says a given lender has to stick to the industry standard when deciding how much to lend you. Your lender is allowing you to stretch yourself thinner than most other lenders would feel comfortable with. Perhaps you have savings or other assets that could be converted into cash if you get into trouble, and this has raised your lender’s confidence in your ability to repay. Or perhaps you’re about to finish up a degree that will increase your employability significantly. Something has convinced the lender to lend you $130,000 more than would normally be practical. As to your other observation, the reason the calculator produced a lower payment is, of course, if you were to borrow $130,000 less, your monthly payment would be considerably lower that what your lender quoted you. Let me end with a note of friendly, cautionary advice. Borrowing as much as you possibly can is not the only path forward. If you can be happy while living below your means (finding a way to enjoy life while keeping your living expenses lower than average for your income), you will be less likely to find yourself plagued by future financial worries, you’ll be able to pay cash for items you would othewise find yourself financing (such as furniture, vacations and automobiles), you’ll be able to save more for emergencies, and you’ll be in a better position to plan for a more enjoyable retirement. Please forgive me if I am being forward in saying this. It’s just something to consider – some solid advice from my father to me, and now to you.

    My wife and I would like to buy investment rental property. – – – EDITOR’S REPLY: We at Calculators4Mortgages wish you well with your investment goals. Exploring the purchase of rental property as a valuable element of your investment strategy is a good idea. While we would like to be of assistance, this site is currently geared toward people who are purchasing a home to serve as their primary residence. We would like to expand into real estate investment calculators at some point, but we have no immediate plans to do so.

    Leave a Comment

    Put the Mortgage Loan Prequalification Calculator on your website for Free!

    Simply copy and paste the code above into the HTML code of your website and your visitors will be able to use the same calculator that appears on this page.

    This is a free service for consumers, researchers, and real estate and mortgage professionals. Give your readers the added value of our easy to use mortgage calculators for free!

    Please note that modifying the code above will disable the calculator.

    Additional color options are available.
    Customize your mortgage calculators here.

    Enhance the experience of your visitors by using our free calculators and content on your blog or website. Go

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    Featured 30 Year Fixed Refinance Rates


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    How to Plan a Round-the-World Travel Route That Makes Sense #tucan

    #travel around the world

    How to Plan a Round-the-World Travel Route That Makes Sense

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    Planning a route for a round-the-world trip is both thrilling and problematic. There s a mad excitement to standing in front of a world map and tracing a circumnavigation with your finger tip. Everything seems possible. But when you start trying to create a realistic, practical route, the world can start to fall down around you.

    So just how can you plan a RTW travel route that makes sense? There are a number of factors to consider, including these:

    Walking on Water, Indonesia ^riza^

    #1 Making Sensible Destination Choices

    I d say you can t really go wrong when choosing the stops on a RTW trip, but some routes are more right than others. There are a number of factors to consider, but one that I think many people neglect is making sure your trip has a good variety of destinations. You might love the beach, but a RTW trip that stops in California, Australia and Thailand, all for the sun and sand, could get a bit repetitive. Think carefully about the different kinds of travel experiences you want to have and pick your stops to give a variety of these.

    At the same time, don t get carried away with trying to see the whole world. It might be a round-the-world trip, but you shouldn t treat it as the only chance you re ever going to have to travel, or you ll try to squeeze in everything and end up hating it. Remember that you ll definitely enjoy your travels more if you have just half a dozen really interesting destinations, rather than trying to see every landmark in a continent.

    #2 The Biggest Problem: The Cost

    I ve often dreamed up some truly fantastic RTW itineraries for myself, only to plug them in online and discover that buying a new car would be significantly cheaper. My favorite site to use is the Airtreks TripPlanner which allows you to experiment with all kinds of great routes, seeing different prices and adding or subtracting cities as it suits you. They also have a neat interactive map which makes it easy to map out a trip idea while making sure you keep traveling in the same direction, and the search results add in additional stops that can be made either for the same price or just a little more although more choices are sometimes not what you need.

    In any case, a RTW travel ticket is nearly always going to start at $2,000 and can often be around $3,000 or $4,000. That makes it a pretty hefty part of your budget. If that s tight whose budget isn t? then play around with your route to get the best value for your money.

    Of course, there is more than just your flight to pay, especially if you re traveling for a long stretch. Research your destinations to get an idea of the average daily costs for travelers and figure out your budget (adding a good 10 or 20 percent buffer). You might decide you need to spend longer in cheaper countries and have a relatively short stay in more expensive places.

    #3 Different Climates and Seasons

    There are two reasons why the weather is important: you might have a personal preference (I m a summer girl), and it has a big impact on what you pack. If you re doing a medium to long-term backpacking stint, you may not want to have to carry clothes for all seasons. Alternatively, you might want to visit winter or cold climate destinations as the first part of your trip and then dump your coats or send your winter woollies home.

    There are, of course, ways around these problems, but if you have the flexibility while you re still in the planning stages, do a bit of research about the expected weather at particular times of year in the places you want to visit. is a great resource for this and can help you structure your trip to take advantage of better weather, or perhaps even avoid your most hated season altogether.

    Daydreaming, Japan *Solar ikon*

    #4 Time Spent Traveling

    While you might imagine anyone booking a RTW flight to be taking a slow journey of months or even a year, a lot of people are taking advantage of RTW flight routes to travel for just a few weeks, visiting several places in different continents. In that case, you really need to do your research on how much time will be spent in traveling, whether by air or land. You don t want the memories of your big trip to be of departure lounges and airplane food. And remember pure flight times aren t enough, you have to factor in checking in before hand and traveling to the airport. It all adds up.

    #5 Practicalities: Visas and Health

    It s not much fun to get back down to earth when you re planning your RTW route and think about boring practicalities like visas or medical insurance, but it s still necessary. You should check which countries you re going to visit will require visas, and make sure that the timing of these will fit into your overall route. For example, some countries have visa requirements that limit the validity of the visa you may not be able to get it issued more than six months in advance, which could be tricky.

    Also, it pays to start researching a decent travel insurance policy particularly one that includes health cover while you re still at the planning stages. Plus you ll need to take a note of which countries you might need vaccinations or shots for, and how the timing of these work, too. When I was planning a trip to Namibia, I remember getting stumped by how and where I was going to be able to get the booster vaccinations required. Long trips can make timing complicated.

    Enjoy Your Planning

    Don t forget that the planning is often just as fun as the actual traveling. Take enough time to daydream about what your trip might bring, and to let your imagination run wild. Don t be afraid to visit a country that you don t know much about, or better yet, get your hands on some good reading material and learn about it. Keep a world map handy so you can play with possible routes in your mind whenever the mood takes you. This trip will undoubtedly be one of the best experiences of your life. Enjoy it right from the start.


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    How to Become A Holiday Rep In 2011 #hotel #and #car

    #travel rep

    How To Become A Holiday Rep

    At Your First Attempt In 2012.

    The lifestyle and job of a HOLIDAY REP is unquestionably one of the most desirable and personally rewarding careers available. The endless travel opportunities and exciting prospects of meeting new people each day make this one of the top 10 jobs people dream of becoming.

    As with any career of this nature there comes a selection process that can only usually be passed with the aid of insider knowledge. We have been working closely with current serving HOLIDAY REPs over the last 12 months to bring you this definitive and professional career guide which shows you how to pass the selection process.

    Increase Your Chance Of Success With This Definitive Guide That Covers Every Part Of The Selection Process

    The ‘How to become a Holiday Rep’ is the most comprehensive guide available ! Full of insider tips and advice, and brought to you by current serving Holiday Reps , it will guide you through the Holiday Rep selection process and help you to secure this fantastic career at the first attempt !

    We will provide you with a 100+ page career information guide that covers every aspect of the selection process from completing the application form, including sample responses, through to role play exercises and actual interview questions!

    Why Become a Holiday Rep.

      You get paid to live and work in a hot countr y . You enjoy endless hours of sunshine. clear blues seas and long sandy beaches, You experience a great social nightlife, provide the evening entertainment and enjoy yourself at the same time! You meet loads of different people each day from all walks of life No more 9 to 5 job and no more rush hour commute Every day is different and brings with it new and exciting challenges You have the ability to help people enjoy their holiday experience You have the opportunity to explore a new culture and country Free flights to and from the resort Free use of facilities such as swimming pool, tennis courts, bar etc. Most resorts provide Free meals on a half board basis Free Accommodation Free drinks Free training on everything that is required to be a holiday rep You can make additional money from selling trips. You have the opportunity to learn a local language

    Overall it will ultimately be an experience of a lifetime and one you will never forget!

    Luckily, you’ve taken the first step to an exciting new career by visiting this website, because we re going to show you how you can start on the path to becoming a holiday rep.

    The guide is full of insider knowledge, tips and advice and covers a wide range of topics such as application form completion tips. assessment advice and actual interview questions. This guide is designed for anybody who is serious about becoming a HOLIDAY REP.


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    How to Make Money with a Travel Blog or Website #budget

    #travel site

    Start Your WordPress Blog

    How to Make Money with a Travel Blog or Website

    We all want to make money online. That s why we create blogs and read sites like this. I make money in travel. After porn, people spend the most money on travel online. It s a huge niche with a lot of high-ticket items. There s good money and lots of readers to be found in the online travel business, and that is why so many people get into the travel niche. There are literally millions of travel blogs out there, and there are a lot of travel sites out there as well. So how do you set your travel web site apart from the others and start making money with it? You have two choices and each has pros and cons.

    Create A Travel Blog

    The first way is to start a travel blog, and become a travel personality like Rolf Potts or Rick Steves. A blog revolves around you, your stories, photography, and personality. People follow you because they believe in what you do, and because you inspire them to do more. If you can relate to your readers fears and travel dreams, you can grow your site pretty quickly and get a lot readers. You become a travel resource and an expert.

    Yet this method requires a lot of work. You need to update your site constantly, use social media, and network with people in your field. You need to be outgoing, you need to have personality, and you need to be your own brand. You have to put yourself out there all the time and connect with your audience. There are a lot of good travel personalities out there, such as:

    How do you get traffic?

    Getting social media traffic is old news to us all. We all know the importance of Facebook and Twitter. We know we need to tweet and have a Facebook fan page to promote our content. But for travel, where can you go to make yourself known? What else can you do that is specific to travel? The best two places to meet travelers and network with PR firms are:

    • Travel Blog Exchange This is the premier travel networking site. Anyone with a blog as well as PR firms and companies have a profile and interact here. It s a great place to network and they run a yearly conference where you can meet other travelers.
    • Travel Bloggers Group in Facebook A Facebook group where people share links, help, and advice.

    How do you make money this way?

    • Speaking Gig s As you become an expert in your field, you can earn money through speaking gigs. These gigs usually include free trips, which is better than paying for your own trips.
    • Ebooks A lot of travel blogs make ebooks as a way of making money. I have four, Almost Fearless has a couple, as does Indie Travel Podcast, and the Art of Non-Conformity. Ebooks are a good source of income as readers view you as a trusted source and are more likely to buy these when you publish them.
    • Affiliate Ads Selling products is a good way to make money as we all know and I don t think I need to get into this much.
    • Advertising Though there are not a lot of private ads outside of text links in travel, companies are becoming clued in to the power of travel bloggers and you find more willing to buy ad space on your site. Well-established blogs have no problem finding ads to help pay the bills.
    • Consulting After you have reached success, you can tell other people how you did it. I know quite a few bloggers that consult, not only in travel but in other niches too.

    Create a Destination Website

    The second way to make money in travel is to create a destination based website. Instead of working social media and being a personality, you pick a spot in the world and become THE expert on it. Some good examples are Travelfish. All About Cabo. and Best Tropical Islands. These sites are static pages that only need to be updated to keep the information current.

    There are a lot of pros to creating a destination website, especially if you don t want to put your life out there. You can set your site and forget it, you don t have to be a personality, you can stay quiet, and overall it is less work to maintain. Once it is built, it s built. Plus people are more likely to buy products from destination websites because they are generally able to find exactly what they re looking for.

    On the other hand, you have to be targeted on your focus and growth is limited once you get to the top of the search engines. After you rank #1 for all your keywords, you are done. You may not grow a lot in terms of traffic, but at least you don t have to continue to do work unless you want to add new content.

    If you choose this option, you ll spend most of your time on SEO and building links. Destination sites don t lend themselves to a big community. After all, not many people want to read about London everyday. But you can become the leading resource on the net and that will still bring in an audience and gigs. A great example of this is Newyorkology .

    How do you make money this way?

    • Affiliate ads Google traffic is the best traffic to monetize. People visiting your site will most likely buy something.
    • Adsense Adsense offers the same benefits as affiliate ads, except that you have to get your readers to click on links. My website, How to Travel the World, brings in a lot of adsense money, and it doesn t even rank high for many keywords.
    • Guides Many destination websites sell their own guidebooks, podcasts, and apps. This is a very lucrative field because people can t take their laptop with them. Creating portable guides are something you can sell to people. Travelfish s apps are a good example of that.
    • Private Advertising As a premier destination website, you can go to hotels, bars and restaurants for advertising. Once you prove you are number one, they will probably advertise with you. All About Cabo is a good example of a site that does well with private advertising.

    Are there other ways?

    Unless you suddenly want to start a magazine, guidebook company, or get serious venture capital, this is it. Every person I have encountered in the online travel business makes money using either option 1 or option 2. You can try to create something different, but without a lot of resources or time, you will probably fail. These two options offer the best rewards for the least amount of money and time.

    Making money in travel is not difficult. A lot of people, including many travel bloggers, get dismayed because they don t strike it rich right away. They expect their blog to take off right away or their destination based site to rank #1 on Google in two months. You have to put in more work and effort, especially with companies with deep pockets, because there is so much competition in travel. The websites I ve listed show can make good money with a travel website. You just have to stick around long enough. Most people don t but if you do, you ll make bank.

    This post was guest blogged by Matthew Kepnes of Normadic Matt s Travel Site .

    40 thoughts on How to Make Money with a Travel Blog or Website


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    Get a TD Travel Medical Insurance quote #e #travel

    #travel insurance quotes

    Need help?

    It s fast and easy to get your quote

    Select your plan

    What type of insurance do you need?

    One Trip

    Per Trip Plan:

    Perfect for occasional travellers. Get it for trips up to 182 days (up to 212 or 365 if you live in certain provinces).

    55+ Extended Stay Plan:

    This is travel medical insurance designed for snowbirds who are 55 years of age and older and travelling for 30+ days out of their home province or territory.

    Multiple trips (Annual Plan):

    Ideal for frequent travellers. This plan provides coverage for an unlimited number of trips up to 17 days each, with the added benefit of Trip Cancellation and Trip Interruption coverage.

    Trip Cancellation and Trip Interruption Insurance:

    Purchase this coverage to enjoy financial protection in case your travel plans are cancelled or disrupted for reasons like illness, injury, inclement weather or natural disasters. Please note that trip cancellation and trip interruption benefits available in the Annual Plan differ from this product.

    Note: Are you already covered by a similar travel insurance product? If you are unsure, or if you want further information, please call us.”> We offer different insurance plans to meet your needs One Trip Per Trip Plan: Perfect for occasional travellers. Get it for trips up to 182 days (up to 212 or 365 if you live in certain provinces). 55+ Extended Stay Plan:This is travel medical insurance designed for snowbirds who are 55 years of age and older and travelling for 30+ days out of their home province or territory. Multiple trips (Annual Plan):Ideal for frequent travellers. This plan provides coverage for an unlimited number of trips up to 17 days each, with the added benefit of Trip Cancellation and Trip Interruption coverage. Trip Cancellation and Trip Interruption Insurance:Purchase this coverage to enjoy financial protection in case your travel plans are cancelled or disrupted for reasons like illness, injury, inclement weather or natural disasters. Please note that trip cancellation and trip interruption benefits available in the Annual Plan differ from this product. Note: Are you already covered by a similar travel insurance product? If you are unsure, or if you want further information, please call us.

    One trip (Per Trip Plan or 55+ Extended Stay Plan)

  • Multiple trips (Annual Plan)
  • Trip Cancellation and Trip Interruption
  • Province or territory of residence You must be a Canadian resident to purchase Travel Medical and Trip Cancellation and Trip Interruption Insurance. If you have questions about whether you qualify, br/ please call 1-800-293-4941 br/ Mon.-Sat. 8:00 a.m.-9:00 p.m. EST.


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    Find a Travel Mate – Gap Year #travel #neck #pillow

    #travel finder

    Find a Travel Mate

    Find a Travel Buddy

    Although there s nothing wrong with travelling alone, many experiences are better shared. The only problem is that it s not always easy to convince your friends to pack up and wander the world. More fool them! is the ideal place to find some likeminded travellers to share your adventure.

    We always have community members preparing to head off on their journey of a lifetime, or who are already on the road as you read this. They re always looking for people to join them. was created not only to give you the best travel advice possible, but also to help you make friends. Bloody good friends. And there s no better way to make friends than travelling with them. Having no one to go with need no longer stop you from seeing the world.

    How can we help?

    If you re looking for a travel companion, head on over to the dedicated Travel Mates section of our message boards .

    The best approach is to have a good look around first to see if someone else is planning a journey similar to yours and is looking for accompaniment. Reply to their thread, and from there you can get talking and planning.

    If you can t see anything that matches your itinerary, create a new thread that lets people know what your travel plans are. The more detail, the better, as it helps people know if they ll be able to join you. It only takes one person to be inspired by your proposed journey!

    Travel mate advice

    Here s a selection of articles packed with advice about meeting travel mates and making friends on the road.


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    Criminal Justice #provides #a #broad #academic #background, #related #and #pertinent #college


    Criminal Justice

    The criminal justice program at Aurora University has two aspects to its mission. First, it provides a broad academic background for students in the area of criminal justice so that they have maximum flexibility while in school and after they graduate, regardless of whether they intend to undertake a career in law enforcement, corrections, probation, parole, or federal service, or attend graduate school. Second, the program provides criminal justice practitioners with related and pertinent college courses to assist them in the performance of public service.

    With these purposes in mind, the goal of the criminal justice program is to provide students with opportunities to develop both a theoretical and a practical understanding of the complexities involved in the processes of the justice system. Internships also are available in one or more professional capacities within the functional agencies of the criminal justice system and in other community service agencies.

    Program Overview

    To earn an undergraduate degree in criminal justice, you will complete at least 120 semester hours total in general education and criminal justice courses.

    Bachelor of Arts in Criminal Justice: 40 semester hours

    • 28 semester hours of required criminal justice courses
    • 12 hours of elective courses, including internship opportunities

    Minor in Criminal Justice: 20 semester hours

    • 4 semester hours of required criminal justice courses
    • 16 semester hours of selected elective courses

    Minor in Homeland Security: 20 semester hours

    • 8 semester hours of required criminal justice courses
    • 12 semester hours of selected elective courses


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    Human Resources Analyst Salary #is #a #masters #degree #in #human #resources


    Human Resources Analyst Salary

    Job Description for Human Resources Analyst

    A human resource analyst uses various techniques and computer programs to analyze data related to their organization’s human resources department. They collect, analyze, and use this data to provide management with valuable information on how to attract better candidates, how to better motivate current employees, how to address current staffing issues, and how to meet laws and regulations related to staffing.

    Another large part of the human resource analyst’s responsibilities is to ensure employees are operating at maximum efficiency. To accomplish this, the human resource analyst needs to determine how to ensure employees are working at peak productivity at the lowest possible cost to the company. This involves speaking with employees and supervisors so the analyst can recommend a plan of action, whether it be to attempt to improve skills employees may be lacking, replace current employees, or hire new employees to better distribute workloads. The human resource analyst reports their findings to company management and recommends ways to use the information to the benefit of the company.

    A human resource analyst usually works a standard 40-hour workweek in an office environment. They are part of a human resource team and frequently interact with other members of the team to acquire data.

    To become a human resource analyst, a bachelor’s degree is required, usually in human resources, industrial psychology, business, or a related field. In addition, employers frequently request candidates have two to five years of experience working in human resources. Also, most human resource analysts are expected to be familiar with Human Resources Information System (HRIS) software.

    Human Resources Analyst Tasks

    • Administer human resources functions, such as recruitment, reviews, compensation studies, leave and benefits administration.
    • May assist with payroll administration.
    • Review, interpret and recommend changes to human resources policies.
    • Collect and analyze human resources data; track trends and developments in employee analyses.

    Common Career Paths for Human Resources Analyst


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    Paralegal as a career #paralegal #as #a #career


    Paralegal legal assistant, property assistant, contracts assistant

    1. Entry requirements

    There are no set entry requirements. GCSEs or A levels may help you get an apprenticeship or on-the-job legal training.

    Apprenticeships are available at all levels.

    The Chartered Institute of Legal Executives (CILEx) Law School has details of training while working and earning a salary. It has information about the Trailblazer apprenticeships, which can qualify you as a paralegal, a legal executive or a solicitor.

    You’ll need a good understanding of the legal system, so experience working at a law firm could help you start your training. Qualifications in paralegal practice or a degree in law could also help you begin your career.

    The Institute of Paralegals has more details about careers.

    2. Skills required

    • excellent administration, IT and research skills
    • the ability to read and analyse lots of complex information
    • a high level of accuracy and attention to detail
    • the ability to work under pressure and meet deadlines

    3. What you’ll do

    You could work for many kinds of employer, including law firms, private companies, the not-for-profit-sector, local or central government, the police and the courts. You ll usually specialise in one area of legal work.

    Your day-to-day tasks may include:

    • researching and preparing legal documents
    • handling confidential information
    • interviewing clients and witnesses
    • giving clients legal information
    • going to court
    • handling a caseload of clients
    • following instructions
    • general office tasks

    4. Salary

    Starter: 14,000 to 25,000

    Experienced: 30,000 to 40,000

    Highly Experienced: 40,000 or more

    These figures are a guide.

    5. Working hours, patterns and environment

    You’ll usually work Monday to Friday, 9am to 5pm, in an office. At busy times you may need to work longer. You may travel to meet clients or go to court.

    6. Career path and progression

    With further study, you could qualify as a legal executive or solicitor.

    Related careers

    You may be interested in:

    Last updated: 27 March 2017


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    Requirements to Be a Nurse in the U #entry #requirements #for


    Requirements to Be a Nurse in the U.S.

    Source: *U.S. Bureau of Labor Statistics

    LPN and LVN Training Programs

    Entry-level training for licensed practical nurses and licensed vocational nurses can be obtained via 1-year educational programs offered at technical schools, vocational schools or community colleges. LPN/LVN programs involve both lecture-type classes and hands-on clinical practice in a hospital or clinic. Typical courses include anatomy, first aid, nutrition and physiology.

    Associate’s Degree in Nursing

    In order to become an RN, candidates need to have earned at minimum an Associate’s Degree in Nursing (ADN). Completing this degree program allows graduates to take the licensing examination to become RNs. Common courses include anatomy, nutrition, adult care and medicine practices.

    Bachelor’s Degree in Nursing

    Bachelor of Science in Nursing (BSN) degree programs allow nursing students to learn about providing care and obtaining work experience in medical settings. Common courses include human development and healthcare, nursing theory, chemistry and infant care.

    Master’s Degree in Nursing

    Another type of registered nurse, known as an advanced practice nurse, must complete a Master of Science in Nursing (MSN) degree program. Some MSN programs accept applications only from licensed RNs. Advanced practice nurses include nurse-midwives, nurse anesthetists, clinical nurse specialists and nurse practitioners. Courses in graduate nursing degree programs vary because they are usually focused on the area of concentration.

    Find schools that offer these popular programs

    • Clinical Nursing
    • Critical Care Nursing
    • Direct-Entry Midwifery – LM, CPM
    • Licensed Vocational Nurse Training
    • Mental Health Nursing
    • Neonatal Nursing
    • Nurse Anesthetist
    • Nurse Assistant or Patient Care Assistant
    • Nurse Midwife
    • Nurse Practitioner or Family Nurse Practitioner
    • Nursing Administration
    • Nursing for Adults and Seniors
    • Nursing Science
    • Occupational Health Nursing
    • Operating Room and Surgical Nursing
    • Pediatric Nursing
    • Public Health Nurse or Community Nurse
    • Registered Nurse

    Career Requirements to Become a Nurse

    All nurses have to earn state licensure after they graduate from an educational program. Part of earning licensure is taking the National Council Licensure Examination for Registered Nurses (NCLEX-RN). This exam is given by the National Council of State Boards of Nursing (NCSBN), a nonprofit organization involved with regulating nurses in the U.S. Other licensing criteria may be required for nurses by each state. Continuing education credits are usually required for a nurse to renew her or his license.

    Licensure Examination for Nurses

    The National Council Licensure Examination (NCLEX) exists in two forms: one for registered nurses (NCLEX-RN) and one for practical nurses (NCLEX-PN|). Both exams require candidates to pay a fee, and exams can be taken via computer. The number of questions varies from person to person, depending on performance. The computer keeps giving questions until it is certain whether or not the test-taker is qualified.

    Both the NCLEX-RN and the NCLEX-PN include questions about keeping patients and nurses safe by preventing accidents, using ergonomic principles, and correctly handling infectious items according to the NCSBN. Students answer questions about supporting culturally diverse patients in stressful situations, such as abuse, loss, mental illness or chemical dependency. Exam takers must know how to keep patients comfortable, identify appropriate use of medications, calculate doses and recognize adverse effects.


    Certification is a way that nurses can show their ability to care for certain groups of people, such as children, the elderly or patients with mental illness. According to the U.S. Bureau of Labor Statistics (BLS), though these credentials are earned voluntarily, some employers may insist that the nurses they hire have additional certifications.

    Professional organizations, such as the American Nursing Credentialing Center (ANCC), offer a wide array of certifications in diverse specialty areas, including pediatrics, psychiatric care and diabetes management. Another professional organization, the National League for Nursing, offers certification for nurse educators. Additional education may be required for some certifications.

    Advanced Practice Nurse Certification

    After earning degrees and obtaining RN licensing, nurse practitioners and other advanced practice nurses may need to undergo an additional process of certification, determined by the state in which they work. Certification allows an advanced practice nurse to perform specific care, depending on the state’s regulations. For example, certified nurse practitioners may be able to prescribe medications (which needs additional licensure), or serve as a patient’s primary health care provider.

    Salary and Career Outlook

    The U.S. Bureau of Labor Statistics (BLS) estimated that from 2014 – 2024, job opportunities for both RNs and LPNs/LVNs were expected to grow 16% — a good deal faster than average across all occupations. The BLS also reported in May 2015 that the average annual salary for RNs was $67,490; while LPNs/LVNs earned an average annual wage of $43,170 during that same reporting interval.

    All nurses, whether LPNs/LVNs or RNs, must complete an approved nursing education program and pass a National Council Licensure Examination. Since nurses need different training for different work settings, prospective nurses should consider their career goals and workplace preferences when deciding on a nursing program.

    Next: View Schools

    Learn about the education and preparation needed to become an animal nurse. Get a quick view of the requirements as well as.

    Learn how to become a chief nurse. Research the job description and the education and licensing requirements, and find out how.

    Learn about the education and preparation needed to become a nurse. Get a quick view of the requirements as well as details.

    Students interested in studying nursing in Wichita, KS, have only a few schools to choose from. Read about a top local school’s.

    • Doctorate
        • Doctor of Nursing Practice (DNP)
        • Doctor of Nursing Practice with an Emphasis in Educational Leadership
        • EdD in Organizational Leadership – Health Care Administration
    • Master
        • MBA and MS in Nursing: Nursing Leadership in Health Care Systems (dual degree)
        • MS in Nursing: Nursing Leadership in Health Care Systems
        • M.S. in Nursing: Nursing Education
        • MS in Nursing: Nursing Education
        • MBA: Health Systems Management
        • MS in Health Care Administration
    • Bachelor
        • BS in Nursing (Registered Nurse – R.N. to BSN)
        • BS in Health Care Administration
        • BS in Health Sciences: Professional Development & Advanced Patient Care
        • Bachelor of Science in Behavioral Health Science

    Get Started with Grand Canyon University

    6 Herzing University

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:

    Get Started with Herzing University

    7 Lincoln Tech

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:
    • (1 campus)
    • Connecticut (2 campuses)
    • New Jersey (3)
    • Pennsylvania (1)
    • Rhode Island (1)

    Get Started with Lincoln Tech

    8 Colorado Technical University

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:

    Get Started with Colorado Technical University

    9 Virginia College

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED


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    Can a Travel Agent Actually Save You Money? #flight #cheap

    #cheap travel agents

    Can a Travel Agent Actually Save You Money?

    Posted on Apr 30, 2012

    Are travel agents back?

    This question, posed by The New York Times. got us thinking. According to the piece, nearly one in three leisure travel agencies is hiring, and in 2011 travel agencies experienced a second consecutive year of growth; in fact, their bookings accounted for a third of the $284 billion U.S. travel market.

    Silly us, we thought travel agents had become passé.

    But if the travel agent business is thriving, we started wondering—is there something to this? Could using an old-school travel agent actually save us money on travel?

    To find out, we consulted Barbara Vong, a travel agent with Wright Travel Agency. the 2011 winner of the Best of the Best Globe Award from Travel Impressions .

    The first thing we learned? Travel agents usually don t charge customers for their services! Their payment actually comes through the hotels and wholesalers, meaning that we can simply tap into a free service. That also means using a travel agent should never be more  expensive than booking by yourself online and these are experts well-versed in where to find the best deals.

    Of course, booking your flights in 30 seconds with a few clicks sounds a lot easier than playing phone tag with a live person, so it pays to know when a travel agent can help the most, and when you might as well DIY it. Vong let us in on the best times to call an agent, and some money-saving travel tips she s picked up in her line of work:

    Want More?

    Take these five steps  for your financial success

    Sharpen your shopping skills and make your clothes last longer with Priceless Style Bootcamp

    Use a Travel Agent If

    You re Traveling With a Group

    For group bookings that involve coordinating travel for multiple people, it s usually easier to use a travel agent, says Vong. I just had a bride call me because one of the groomsmen booked his own trip through a discount travel site, and he wanted to add someone to the room, says Vong. The customer service representative from the travel site he used told him they couldn t do it, but they were probably just being lazy. This is a great example of when you d rather hand the responsibility of changing that booking to a travel agent, rather than trying to fix it on your own.

    You re Not Sure Where You Want to Go

    You re Traveling Internationally

    If you re planning to travel somewhere out of the country, and you ve never been there before, it might be a good idea to go through a travel agent. When you use an agent to book international travel, you ll be able to ask a million questions, says Vong, and your agent will be sure to gather all the information you ll need to make sure you re traveling safely.

    You Don t Need a Travel Agent If

    You re Only Booking a Flight

    Let s say you re visiting a friend in Arizona and all you need is the flight out there. With all of the discount flight sites available, it s usually easier, and generally about the same price, to just book it yourself. (Check out our rundown of popular travel sites to see which one might work best for you.)

    You Want to Use Your Miles

    Travel agents aren t able to use your points or rewards card miles to book a flight or hotel for you—you ll have to book on your own if you d like to use them. You also aren t able to use points or miles to buy flights on sites like Expedia or Orbitz, either, only directly through the site of the company who is giving the points or miles, says Vong.

    You Find a Fantastic Deal on a Deal Site

    Go ahead and book a travel deal that you find on a site like LivingSocial. Groupon or Travelzoo. Just remember that you ll need to be flexible with the travel dates (most deals are offered for off-peak times, like travel on a weekday only, or for a Sunday night at a hotel), and be wary of expiration dates.

    Some Travel Tips to Help Save Money

    In her years as a travel agent, Vong has discovered a few things that help her save money on her own travel. Here are a few of her favorites:

    1. Fly at the Right Time

    If you can, avoid flying out on a Thursday or Friday, or flying back on a Sunday, when Vong says flights tend to be the most expensive. It s hard to say exactly how much a traveler could save, as it depends on the specific flight and how much space is available on it, but you could find yourself saving up to $50 or more for longer flights, says Vong.

    2. Factor in Your Transfer

    Set up transportation from the airport to your hotel through a shuttle or van service online prior to arriving at your destination. Local taxis in some countries have been known to charge more to foreigners traveling to and from airports. If you re working with a travel agent, she should always be able to book transportation for you from the airport. If you re booking on your own, try calling your airline for suggestions, or searching on the tourism website for the place where you re going (most major tourist cities have a tourism website.) If you re booking a tour on your vacation, most tour operators also offer transfers with the purchase of certain products, says Vong.

    3. Try the Go City Card

    The Go City Card is available in nine U.S. cities (including Boston, Chicago, New York, Orlando and more), and it allows you to pick and choose which sightseeing you want to do and to buy those activities as a bundle, which will be much cheaper than buying them individually.

    4. Use Your Email

    If you re traveling within the U.S. sign yourself up for emails from deal sites like Groupon  or LivingSocial from the city you re traveling to for potential discounts. In other words, if you live in Chicago but are traveling to San Francisco, subscribe to the San Fran deal sites shortly before your trip— you can always unsubscribe later.

    5. Be Smart About Exchanging Currency

    If you ll be traveling to a country where you ll need a different currency, Vong suggests exchanging money at your hotel. They usually have the best rates, they don t charge a fee and you can put any extra money you don t need back in the safe deposit box in your room as soon as you get it, she says.

    LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. Unless specifically identified as such, the people interviewed in this piece are neither clients, employees nor affiliates of LearnVest Planning Services, and the views expressed are their own. LearnVest Planning Services and any third parties listed in this message are separate and unaffiliated and are not responsible for each other’s products, services or policies.


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