Showing posts with label Economic. Show all posts
Showing posts with label Economic. Show all posts

Wednesday, 26 October 2011

Staying Healthy And Fit In College

Your experience living at your college or university may be one of the best times of your life! You'll be living in an exciting community filled with new people, cultural events, and intellectual discovery. You'll likely enjoy the independence of being away from home for the first time. It is important, however, to take care of yourself properly while living on campus. Freshmen often experience weight gain and other issues from falling into poor health habits. If you are conscientious, you avoid unsound nutritional practices and use college as an opportunity to build lifelong healthy habits.

You may have heard of "the freshman fifteen," or the fifteen pounds of weight gain experienced by college freshman. In fact, this is generally a myth. It is common, however, for freshman to gain a few pounds during their first year of college, and this pattern of weight gain often continues throughout the rest of college. While you may not gain fifteen pounds in your first year of college, you may gain this weight gradually over four years of bad habits.

One of the culprits of college weight gain is cafeteria food. Most campus cafeterias offer healthy options, but there are also many high-fat, high-sodium choices that often overshadow the salads and vegetables. While food items like French fries and greasy hamburgers are best eaten sparingly for a treat, you may even end up eating this junk food at every meal if you do not make careful choices. If you find that your cafeteria has too few healthy options, let your college know about your concerns.

It is a good idea to supplement cafeteria food with some groceries of your own. If you buy fresh fruit, cereals, salad, and healthy sandwich ingredients, you can eat some healthy meals in your own room. If you go to the cafeteria, choose lean options and eat lots of vegetables. Items such as French fries should be eaten no more than once or twice per week.

Drinking too much soda or sugary beverages is a common pitfall for many college students. Without a parent around to curb your beverage consumption, you may reach for high-calorie drinks more frequently. After late nights, you may also rely on energy drinks or high-fat coffee drinks to get you through your early morning classes. Remember that most of your beverages should be unsweetened, such as water. You can drink moderate amounts of fruit juices, milk, and other healthy beverages. Drinks with little nutritional value should be consumed sparingly.

Another major culprit for college students is excessive alcohol consumption. Besides the other health problems associated with alcohol overindulgence, you will likely experience weight gain from these high-calorie drinks. If you are of a legal drinking age, limit yourself to one or two drinks on each weekend night. Choose healthier options such as wine instead of a cocktail that may be high in sugar.

Finally, use your campus fitness center! Many college students develop sedentary habits which are hard to break. Your campus fitness center likely offers intramural sports, free fitness classes, and a pool, so you can have fun while exercising!

 Staying Healthy And Fit In College

Great Colleges In A Seaside City

If you are thinking about attending college in Fort Lauderdale, Florida, you are probably attracted to many aspects of this popular city. You have seven choices of post-secondary institutions to choose from, as well as a vibrant nightlife, a wealth of art and culture, and lovely beaches. Perhaps you'll soon be calling this fun city your second home.

It never gets too cold in Fort Lauderdale! Located about 23 miles north of Miami, the city boasts a tropical rainforest climate. It has been called the "Venice of America," due to its intricate canal works. Fort Lauderdale is also a major magnet for yachting enthusiasts, with over 100 marinas!

Fort Lauderdale has long been a popular location for college students on Spring Break, with over 4,000 restaurants and over 120 nightclubs. It is a progressive city with a large, supportive gay community. College students will appreciate the Riverwalk Arts and Entertainment district, which includes the Broward Center for the Performing Arts, in addition to the beaches and nightlife which make this a popular destination.

Seven institutions have campuses in Fort Lauderdale: Broward College, City College, Florida Atlantic University, Florida International University, Nova Southeastern University, The Art Institute of Fort Lauderdale, and University of Phoenix. Your choice will depend on your desired course of study as well as other factors.

Broward College is a state college with its main campus located in Fort Lauderdale and other campuses around Broward County. It offers many options for Associate's degrees in a variety of subjects, as well as Bachelor of Science, Applied Science, and Nursing programs. City College is a private college that offers 10 Associate of Science degrees in seven majors, as well as Bachelor of Science degrees in Business Administration. There are also several diploma programs in Phlebotomy, Medical Assisting, and Medical Coding and Billing. This is a small college with intimate class sizes and a great deal of individualized attention.

Florida Atlantic University is a public research university that has a small campus in Fort Lauderdale, offering degrees in Communications, Graphic Design, Business, Computer Arts, Architecture, Urban Planning, Criminal Justice, Social Work, Journalism, and Public Administration. Similarly, Florida International University is a public university with a small satellite campus in Fort Lauderdale. This small campus mostly serves night students in the Business Administration program.

Nova Southeastern University is a private university with a main campus located in the town of Davie, close to Fort Lauderdale. This main campus offers a variety of programs notably in the Natural Sciences, Social Sciences, Information Sciences, and Health Care. The Art Institute, located in southeast urban Fort Lauderdale, is a private applied-arts college that offers programs in Design, Media Arts, Culinary Arts, and Fashion. The school features an award-winning student-run restaurant called The Chef's Palette, which gives students a chance to apply their culinary skills to a working eatery.

Where To Find Medical Secretary Jobs In Canada - Colleges

The best place to look for Medical Secretary or Medical Office Administration jobs would be the internet. Most employers that you would be working for, be it hospitals or small offices, are computerized and now post all available jobs online.

Some websites to browse for Medical Secretary job listings and to post your resume would be:

workopolis.com
monster.ca
jobbank.ca
jobboom.com

You should Google your job search and check as many websites and job listings as you feel necessary. Be sure to also check your local online classifieds such as kijiji.ca and craigslist.ca for job postings. It is not recommended to post you resume with your personal information on these sites but you could certainly post a listing giving some basic information about the job you are looking for and your skills without using identifying information.

You can often find Medical Office Administration career listings on hospital specific websites such as uhn.ca (Princess Margaret Hospital, Toronto General Hospital and Toronto Western Hospital in Toronto, ON), hhsc.ca (made up of six hospitals including McMaster University Hospital and the Children's Hospital, a renowned Cancer Centre, and an Urgent Care Centre all located in Hamilton, ON), stjosham.on.ca (St. Joseph's Hospital, Hamilton, ON), and niagarahealth.on.ca (comprised of seven acute care sites in the Niagara Region of Ontario including the Greater Niagara General Site in Niagara Falls, ON and the Hotel Dieu Hospital in St. Catharines, ON). There are all sorts of listings on sites specific to your province or state so use the web search tool of your choice to hopefully increase the number of jobs available to you.

Do not overlook the classified ads in your local newspapers as well. There are still a few offices that are seriously old school and are not computerized so they do not advertise online. They will only submit a job listing to their local newspaper. These can provide very good leads that you would not find anywhere else and sometimes they are a little less "crowded" for interviews since they are not advertised online and not all applicants take the time or opportunity to further broaden their career options.

Many jobs may be listed as part-time or as a one-year contract or temporary full-time. These are often positions that are available because that office's receptionist is off for a maternity leave. Jobs like this are great for building up your experience that will land you those jobs in the hospitals that will potentially pay you more and have better benefits.

Remember to apply for jobs at local retirement homes and long-term care facilities. With your Medical Secretary training you would also be able to apply for jobs with your local government healthcare office, alternative health offices such as chiropractic or massage or physiotherapy clinics, and insurance companies to name a few examples for you. You have quite a few options available to you if you are looking for something other than a hospital or doctor's office specifically. Although some of these options do not utilize all the skills that you acquired during your Medical Office Administration training, they can certainly be fulfilling careers or just the thing you need to gain some experience to get that next level position in your new career.

If you are ever having difficulties finding employment you could always offer your services on a volunteer basis mostly to gain experience. This also looks appealing to an employer since it shows you are dedicated, ambitious and diligent.

Tuesday, 25 October 2011

All Contractors Should Be Taking Full Advantage Of Tax-Free ISA's Today

Many contractors who have savings or hope to begin saving and would like to increase the potential return on their investment on savings, should have an Individual Savings Accounts (ISA's). The current maximum that can be placed into an ISA is £10,680, of which £5,340 can be in cash. The other £5,340 can be used for shares. Although the maximum £5,340 has been set for cash, there is no limit within the £10,680 for shares.

Many people may be confused how ISA's are structured and how they can bring such great tax relief for such large chunks of savings, keeping large amounts of money away from the tax man. But a simple meeting with any local branch advisor will help explain and choose the best suited ISA for your individual needs and requirements. Recent finding by the HM Revenue & Customs (HMRC) has shown that aside from the fact that many still don't understand how beneficial having an ISA can be there is currently 15.3 million active ISA accounts. The most since the introduction of ISA's in 1998.

All contractors should consider an ISA as their first choice for ultimate flexibility for investments, as having instant access to savings can be an attractive prospect especially for contractors.

For contractors there are many types of ISA's to choose from:

Cash ISA's: Many will have variable rates of interest depending on the access required. ISA's can have instant access at the teller, online and by phone but may have low rates, whereas fixed rate ISAs are available with higher rates but may require less flexibility and a possible fine for early withdrawals. But are great for short term and free from any fluctuations within the stock market.

Equity ISA's: The opportunity to invest money in a managed fund or chose to make individual decisions on which companies to invest in. There are different areas that managed funds invest in, these are international equity funds, commercial property and corporate and treasury bonds. But beware as stocks and shares ISA's can be considered long term (5+ years) and the investment can fall below the contractors initial instalment as the markets fluctuate.

With contractors facing challenges from the HMRC, with tax, IR35, IR56 compliance and expenses being required it is vital to make use of all available tax breaks that are still available. It is also recommended to use an umbrella company to help process your payroll and maximise your income through using their tax expertise, keeping you on the legal path. Whilst reducing the worry and complexities that are involved with all the legal issues.

Stay At The Luxurious Hotels In Ranthambore

Ranthambore National Park is among best tour destinations in the world. Numerous tourists visit this exotic place to get a glimpse of the rich natural heritage, having a diversity of flora and fauna. The place is famous for tiger safari and wildlife tours as well. Whenever you plan a tour to a wildlife century, keep in mind to book a hotel in advance. There are a number of hotels with excellent amenities for tourists visiting the Ranthambore National Park. To add excitement and fun to your visit at the Park, hotels and resorts at Ranthambore truly offer a loving and memorable experience.

Famous Hotels In Ranthambore

The Pug Mark

The Pug Park is located near the National Park itself. This Ranthambore hotel provides all the amenities required for a luxurious stay. It has 20 well organized rooms with attached min bar, and all facilities you could ask for. Other major attractions of the hotel are an excellent swimming pool, beautiful lawn, mini golf course and so on. Round the clock room service further adds to the hospitality offered.

Tiger Den Resort

Tiger Den Resort is an ideal place to relax at the Ranthambore Park. Offering a charismatic natural environment, the place stands among the best resorts in Ranthambore with variety of amenities. Leisure activities and entertainment carry an important place here. The resort also arranges wonderful safari tour for the tourists.

Tiger Moon Resort

Located on the edge of Ranthambore national park, Tiger Moon Resort offers an open jeep safari into the deep forest to give a glimpse of the royal tiger to the tourists. The facilities in the resort are incorporated in a manner to give a very comforting stay to all guests. The resort has gained a good reputation among tourists and is booked well in advance by them.

Ranthambore Regency

Ranthambore Regency is a super luxurious resort, set in the middle of two acres of lush green lawns. A set of 20 air conditioned and well maintained rooms along with 10 luxury cottages carry the best facilities one could wish for. With excellent welcome and superb room service, the resort certainly grabs attention of huge number of tourists every year. Tourists also enjoy indoor as well as outdoor catering facilities here. The outdoor catering facility is available under the clear sky alongside swimming pool.

Give cent percent efforts to make your trip to the Park the most memorable one. For this, it's essential to have a comfortable stay there. Ranthambore hotels have specialty of their own and have gained significant popularity among tourists. Make advance booking of a suitable resort here and pack your bags for a wonderful tour!

Fix Your Credit Score With These Tips

If you need to repair your credit, consider speaking with a credit repair counselor. Many credit repair counselors can help you have even largest debts paid off in just a few years. A counselor will know better than you what steps to take and what channels to follow in consolidating your debt and building new credit. Pay every bill and pay it on time. If you don't have the money, lean on friends and family to help if you can. It takes a long time to recover from even one late or missed payment. Above all of your bills, keep your credit cards and loans paid and on time.

When it comes time to rebuild your credit, the first thing to do is make a plan. Your plan should contain how you plan on rebuilding credit and how you plan on using your credit in the future. Without a plan of attack concerning your credit, you run the risk of getting into financial trouble again.

A must have skill for any person learning to repair their credit, is to pay more than the minimum balance. Not only does this improve your credit image and save you in finance charges, but it is a discipline that will carry over into other areas of your finances, such as unnecessary spending and a greater ability to budget. Paying more than the minimum is a valued and valuable discipline, we can all benefit from having.

If you are in serious credit card debt and are trying to improve your credit score, get rid of all of your credit cards except one. This allows you to streamline the process of paying your monthly bill, and prevents you from charging more onto cards that already have high balances.

With a good credit score, you can easily buy a house and mortgage it. By paying off your mortgage on time, you will even improve your credit score further. Once you own a home, you will have financial stability secured by your assets, thus a good credit score. This will be useful in case you need to borrow money.

Even if you have had problems with credit in the past, living a cash-only lifestyle will not repair your credit. If you want to increase your credit score, you need to make use of your available credit, but do it wisely. If you truly don't trust yourself with a credit card, ask to be an authorized user on a friend or relatives card, but don't hold an actual card.

Call your credit card companies and request that they lower your limit on your cards. It will keep you from overextending yourself financially, it sends a great signal to the credit card companies that you are a responsible borrower, and you will have an easier time getting credit in the future.

If you do not understand why you have bad credit, there might be errors on your report. Consult an expert who will be able to recognize these errors and officially correct your credit history. Make sure to take action as soon as you suspect an error on your report.

Do not make credit card payments late. By remaining on time with your monthly payments, you will avoid issues with late payment submissions on your credit report. It is not necessary to pay the entire balance, however making the minimum payments will ensure that your credit is not damaged further and restoration of your history can continue.

Part of a successful credit repair effort is diligent record-keeping. All correspondence involving a credit dispute - both incoming and outgoing - should be saved for reference. Repairing a serious credit problem can be a very complex process. The debtor needs to be ready to refresh his or her memory on issues that may not have been discussed in several months.

If you need a credit agency to help you resolve your credit problems, research the agency before you sign on with it. Scams in credit repair are widespread, and many unsuspecting people have become victims of these scams. To prevent this from happening to you, get as much information as you can about the reputation of the agency.

If you are concerned about your credit, be sure to pull a report from all three agencies. The three major credit reporting agencies vary extensively in what they report. An adverse score with even one could negatively effect your ability to finance a car or get a mortgage. Knowing where you stand with all three is the first step toward improving your credit.

Know your rights that are protected by the Fair Credit Reporting Act. This will help you with any kind of negotiations and inform you of what you are entitled in the eyes of the law. Knowledge is power and when repairing a credit rating, it is very possibly money in your pocket.

An important tip to consider when working to repair your credit is the fact that your credit score will never remain the same. This is important to know because you should expect changes to it for the positive or negative and not be overly worried as long as your follow all of the basics for establishing good credit.

Repairing credit may leave some in confusion feeling very frustrated and even angry. However learning what to do and taking the initiative to follow through and do exactly what must be done can fill one will relief. Repairing credit will make one feel much more relaxed about their lives.

Shopping For Online Insurance Quotes

No matter what we do in life, insurance is typically necessary, and one of the most important insurance policies that we hold is auto insurance. The thing about auto insurance is that you can easily shop and compare for the best insurance policy on the market without leaving your home or office. The reason for this is that Online Insurance Quotes are a tool which is available to all consumers.

As the insurance buyer, when shopping online, you can expect a better rate on insurance. However, the consumer is faced with many different search tools that provide many different results. The reason for this is that the different rating engines ask different questions that produce divergent quotes.

The answer to this is to take the time and conduct an in-depth research before picking a quote. The popularity of the site is important when obtaining online insurance quotes. The site should provide online insurance quotes from a variety of noted insurance providers. If the insurance site claims to provide the best insurance quotes in the industry, then these quotes will come from a number of providers. When you do not shop and compare multiple quotes, you are not getting the best or perfect deal because you are only comparing a few.

Also, it is important to remember that no two sites may be the same. For instance, some sites may provide results almost instantly, while others may take a bit more time. You should find a site that does provide it all- multiple insurance quotes from top insurance providers and fast service. It should include the essential information about the policy with its premiums. It is important to realize, quotes from companies that are not reputable, may omit important information.

When you wish to shop for auto insurance or any type of insurance coverage for that matter, it is always a good idea to compare insurance quotes. The key ingredient is not to be in a rush and shop the right sites for comparison insurance quotes.

Online insurance quotes are the ideal means to obtain information on insurance policies. You will want to survey each website prior to providing your information to their quote engine. The insurance policies that the online site offers are no different from purchasing policies from a land insurance provider. The sites offer a wide range of policies such as health, life, auto, travel, dental, vision and so on.

Lastly, before the purchase of an insurance policy through an online quote, it is always a good idea to contact their customer service department and ask a question, no matter how simple. This is simply because you likely will need support in the future when filing claims, and this call will give you an idea as to how well you are handled and how quick their response is.

Purchasing insurance has become one of the most convenient purchases among purchases. Insurance quotes allow you to shop and compare, and the online insurance sites are making it possible for the insurance buyer to save a tremendous amount.

Inflation and the Economic Crisis

Hopefully, you're not in the category of non believers thinking the government will save you. Doing your best pretending the day of reckoning is never going to come upon your doorstep, regardless of all the evidence you might have heard or read about. Regardless what level of defiance you carry around with you history will always be on the side of the truth. There is no prejudice here that will enter the equation regardless of what you think you would be entitled to. If I am sounding a little pessimistic, then I am making my point. There is nothing that will keep this economic crisis from coming and there is too much hard evidence and monetary history surrounding this to look the other way.

Some facts which are not open for any analyzing or debate.

• Fiat Currency - this is currency that is backed by the good faith of the government that issues it. It has no real or tangible value. It is printed "out of thin air"

• All national currencies are fiat currency.

• A universal example of a non-fiat currency. Gold and Silver are real money. Governments are incapable of creating this kind of money out of thin air. Gold and silver cannot be granted a "value" and then suddenly have that value removed or reduced by any action government or otherwise.

• The last "Real Money "in the United States was from 1944 -1971. When the US. Dollar was backed by 10% gold. In 1971 President Nixon signed an Executive Order that suspended the Bretton Woods Agreement that took the US. Dollar off the gold standard up to this day.

• Fiat currencies have a 100% failure rate throughout history. 11th century China was the first country to use and issue fiat currency.

All national currencies including the dollar, yen, euro, and pound are all fiat currencies. And remember, this subject cannot be analyzed or debated upon: Every single fiat currency that has ever been created throughout history wound up eventually being mismanaged and destroyed by world governments that created and controlled it.

Why it is that fiat currency has a 100% failure rate?

All through history world governments have been unable to maintain their currencies. There have always been two sides to any government constantly driving an escalating and tumbling dynamic. With this you have those who don't want taxes or new taxes and on the other side you have those who want the government to give you everything for free.

In theory a sensible government might actually tell the truth to their citizens. Letting them understand that taxes are the price of evolution and progress and we are not in any business of handing out free meals. However the reality of governments is fat cat politicians enjoy living the high life on tax payer money. So no way would they turn sensible.

So consequently for the elected government politicians only one choice really exists. Lie to everyone, promise the moon and borrow into tomorrow so your kids and grand kids get stuck with all the bills. Believe it or not after enough time has passed people actually start to believe this is normal and nothing out of the ordinary is really wrong because they see businesses growing, taxes level off or drop and government hand-outs given to all.

The big problem with the economic crisis is governments having to borrow their way into financing their massive spending habits while not allowing taxes to increase enough to pay for new programs creates deficits. It is easy when you "Own" the printing presses, by flipping the "ON" switch you can generate all the "Money" that would ever be needed to satisfy any and all debts and obligations. The Federal Reserve purchases US debt from the US Treasury in the form of bonds, then they lend out the money to the markets with a simple push of a button from a computer. Then Bam that money is now in the money supply.

We have two groups, those opposing taxes along with those in favor of spending getting what they want year after year while little ever gets noticed, at least not right away. But there is a small reduction in value of the currency which was caused by the rising supply demand. All things being what they are all governments will in time choose the second course which with very few exceptions creates a continuing loss of confidence in every national currency. This is called inflation.

Inflation can be like a drug over time the space in between tax and revenue grows just as dependency on that drug grows over time using it. While spending, borrowing and generating more currency demands grow interest rates begin to increase.

This causes inflation to speed up eventually causing the process of currency debasement or the annihilation of people's savings. The currency is then abandoned by all, who at the same time are trying to spend it or convert it into more secure forms of money as quick as then can. This situation causes the value of the currency to plummet while driving up costs for even the most basic items such as milk, eggs, bread and sugar to skyrocket. As this happens the savings of an entire generation can be destroyed. Thus the fate of all fiat currencies.

Here at this point is where you stand now. Each year, each decade you have noticed the purchasing power of your currency keep buying you less and less. The reality for people in the United States is they have been living in a hyperinflation society ever since President Nixon took the dollar of the gold standard in 1971 killing our money and changing it into fiat currency. Since the dollar was taken off the gold standard the dollar has actually lost 80% of its purchasing power. Remember the dollar is not money it has no value, the only thing the dollar has is a pre determined fate.

What has value is gold and silver. Which have been used since man left the cave. Throughout history gold and silver have always been a storage of true value. One 1 ounce gold coin back in the Roman Empire would have been able to buy food for a small family for about 2 months. That same one ounce gold coin today can still by a small family food for about 2 months. During these insane economic times buying physical gold and silver are your best chance to ride out the economic crisis and come out on top. "Cash is Trash" a quote from Robert Kiyosaki. Don't save it as it has no value, owning hard assets is the key.