Online University Degree: The Trendiest and Simple Way to Acquire the Dream Qualification!

Do you often wander in your thoughts about the dream job you have been wishing for? Does your incomplete study and degree stop you from achieving the same? There are numerous people who wish to get the right kind of degree and complete their education but are simply not able to extract time from their schedule. There are many restrictions such as your current job, taking care of a family that tie you down and prevent you from completing your studies in person. There are also a group of people who have not been lucky enough to get admission for the in-campus courses. Consequently, online university degree has come into the picture.

In today’s eon where almost everything can be done through the super wizard called the internet, why should education take a back seat? The growing awareness and need for education have given it this amazing platform. It does not matter whether you are looking for the regular bachelor degrees, associate degree, master degrees, or you wish to opt for the professional diploma programs or the certificate programs. Today you can acquire an online university degree of your choice. University degrees online are the medium who offers you a huge variety of accredited online degree programs. Via this medium, you are exposed to the recognized American online universities as well as colleges.

These institutes offer various degrees and programs online. This web site acts more like a guide to the diverse online colleges, and universities present in the USA. You may have some sort of previous education base. However, if you wish to fetch a job, a degree from an accredited university is mandatory. This is the chief reason for the growth of this segment of the education sector. The best part about the online university degree is that you can do your studies as per your convenience! There is no need to follow a time bound routine, especially if you have such a work routine already.

The time flexibility offered is one of the most appreciated attributes in such programs. There are various programs and courses you will find on this web site that can be completed in short span of time as well as the ones that may last up to a couple of years. Depending upon the time availability in your hands you can approach the institutes that suit your needs the best. All the leading universities such as university of Phoenix, Capella online university, Kaplan online university, West wood online college, etc. constituted the catalog from which you can make a choice.

University degree online also offers myriad choices of subjects for the degree programs. So, you can just pick the subject whom you wish to study and approach any University of your choice. There are certain universities that offer some in-campus classes as well. However, the flexibility meter in this is also quite high. Now, acquiring an online university degree that too without stepping out of the house is so simple! What more could you ask for!

Definition of Universal Life Policies

One three main types of full coverage life insurance policies are universal life policies, variable life, and whole life. Like whole life insurance, universal life insurance is cash value based. Cash value in this case refers to the amount of money that you pay into the policy over and above your premiums and fees. This additional cash is put into a special account that accrues interest that you agree upon with your insurer prior to signing. Usually this savings account is attached to a mutual fund, bond, or financial index and is designed to grow your money in the long run.

Do you need universal life policies?

Term life insurance generally gives you a lesser value for your dollar than universal life insurance. With universal insurance you might spend a little more in premiums, but you get a cash value savings account included with the deal. You take care of your insurance and savings account in one.

What is variable universal life policies?

Each life insurance category has a sub-category or two and viable universal insurance is a sub-category of universal life. It will give you a permanent policy that has no expiration date, but they usually have the cash value portion tied almost exclusively to a mutual fund account instead of bonds and/or indexes. While mutual funds can be unpredictable and riskier, the stocks invested in are generally fairly stable and promise a much more lucrative balance in the end. If, however, you are uncomfortable with trusting in the unpredictable instability of a mutual fund, this may not be the best option to you.

How does universal coverage stack up against whole life coverage?

The fundamental differences between a universal policy and a whole life policy vary slightly. A universal life policy gives you variable sliding scales with mortality costs, expense projection rates, and cash value amounts. A universal policy carries the option of having no investment risk in the cash value and gives you the ability to adjust your premiums and death benefit values. You’ll also get, with a universal policy, the option of suspending your premiums for a set period of time if the need arises.

How can you use universal life policies?

There are a lot of ways you can use a universal insurance policy. The advantages lie in the amount of things you can do with the policy over and above the death benefits. The whole point in acquiring a universal life policy is for this very reason. You can even get policies that have something attached to them called “accelerated benefits”. These benefits will help pay for long term care for situations where the insured requires additional help and care due to illness or age. You can also use cash withdrawals from the accrued cash value account that is equal to that amount, if not greater than. Keep in mind, though, this should be used only on an emergency basis.

Why It’s Probably Not Worth Going to University Any More

I’ve been thinking recently, if I was a fresh-faced 18-year-old just out of college with my whole life ahead of me and pondering what to do next, would I go to university? The answer is probably not!

Before I explain, I must insert a disclaimer here that this does not mean that I don’t recommend anyone else to, neither does it rule out me sending my future kids to university. However, as a university graduate of 2004, the more I think about going to university today, the more I find myself wondering what exactly is the point?

My first issue with this age-old institution is the very modern practice of excessively high university fees.

A tax on knowledge?

As of next year, university tuition fees will be rising to a maximum of £9,000 which doesn’t include living expenses, cost of books, and all the other associated costs of student life – it is no wonder the latest UCAS figures show the biggest fall in university applications in more than 30 years!

How it is justifiable to fine, sorry charge, people whopping amounts to educate themselves is completely beyond me. Surely this is some kind of stealth tax on knowledge? From the parent perspective, I can imagine how massive a financial burden this must be, especially where there is more than one university-ready child in the household. These ludicrous fees may well see the UK go down the same route as China in future by adopting a one child policy to keep things affordable.

Forget uni, try YouTube instead!

The second reason I’m somewhat anti-university for now is that thanks to the internet, the world of learning has opened up in so many different and exciting ways that you can pretty much teach yourself anything you want by simply watching YouTube or scouring the pages of Google.

Unlike the somewhat restricted curriculum of a university module, self-taught subjects can be as varied as you like and as long or short as you like, and the best part is most of these online resources are free or low cost so you can save your university fees for your mortgage down payment instead. Also this way, you get to teach yourself subjects that actually affect your day-to-day life such as how to plan and achieve goals, manage your finances, develop a “winning” mindset and so on…

Branson didn’t go uni… and look where it got him

Entrepreneurship is not for the fainthearted but the truth is that it’s becoming more and more of an attractive option for young people who can’t find a job in today’s climate. It makes sense – if some big boss somewhere won’t give you a job, simply create your own!

Richard Branson didn’t go to university and look where it got him; neither did Ingvar Kamprad – the guy who founded IKEA, Simon Cowell who needs no explanation, and countless other entrepreneurs who are today living their own version of “the dream” without first obtaining letters after their name.

And where did your degree get you…?

This is a question many graduates I know struggle to answer because what they do now is so far removed from what they studied at university that apart from the hefty debt they’re still paying back (myself included), there’s not much else to show for the certificate. Once upon a time going to university and getting a degree was mandatory for getting somewhere in life but today we have so much evidence to prove otherwise that it’s almost entirely old-fashioned to make such a statement.

There are of course benefits to going to university, such as the exposure to student life, better access to certain jobs in certain industries, practical skills of writing and submitting dissertations on time, and of course the reduced travel card fare and student discounts to theatres and films, but when you weigh that against the literal cost of going to university in these modern times, it’s only right to ask the question: would YOU go to university today?

Top Tips for Choosing the Best University for You!

So you’ve almost completed your A’ Level or equivalent studies and you’re now looking to go to university. You need to get your UCAS form submitted as soon as possible but you’re just not sure which universities to put down on your form as being ‘preferable’ to you and your needs, desires and aspirations. Choosing a university is a hugely important task. It is where you will spend the next three years or so of your academic life, and for many it is the place where, for the next few years, you will live, socialise and work. When it comes to choosing a university the world is your oyster, but such a great level of choice can make the task of identifying a university all more difficult to complete.

Below are a number of helpful tips to support you in your decision-making process!

– Rule out those universities that you are unlikely to be able to attend. There are many reasons why some universities just won’t be an option to you; perhaps the entrance grades required are too challenging or the location of the university is too far away for you to consider.

– Draw up a criteria list which outlines all of the elements of university life that are important to you. This might include; distance from your family home, likely university choice of friends, the modules taught within your preferred course, the extra-curricular activities on offer, the social life, the style of accommodation on campus, the campus layout etc.

– Order your criteria appropriately, placing the elements that are most important to you at the top. If this is say, ‘distance from your family home’, work out exactly what distance is acceptable to you. You can then automatically rule out or rule in universities based on how well they meet your most important criteria.

– You’ve now got a short list of universities. Next, rate each university against the other elements on your criteria list. Use a simple scoring system such as 5 for absolutely meeting the criteria to 0 for absolutely not meeting the criteria! Once this process is completed, you can total up the scores and identify which universities score the highest.

– It’s important to actually go and see those universities that you’re strongly considering attending, as this will help you determine if you’d be happy studying at such a location. So remember to attend open days or arrange site visits with at least the top 3 universities that rated highest against your criteria list.

Why Attend University?

Why attend University?

With all of the recent negative press around rising tuition fees and poor job prospects for graduates, it is little wonder that many students are shying away from attending University, choosing instead to seek employment opportunities straight after college, or simply falling into a downward and depressive spiral of unemployment at the tender age of 18. Seeing less and less individuals attending University is depressing for those of us who know how much can be gained from a University education; a solid academic grounding, an opportunity to build social networks, a chance to manage money and to learn the importance of self motivation. It is also I am sure incredibly depressing for individuals who had always dreamed of studying at University and who now feel that their chances of fulfilling this goal have been lost due to forecast financial constraints and poor career prospects. Importantly though, it is equally worrying for our country and our economy at large. With a growing population, we need the youth of today to be able to bring a whole range of skills to the economy in the future. Some of these skills can be built up through on-the-job training yes, and not all of them need to be grounded in academic education at University level. However a wide pool of skills and knowledge do need to come from academic education. As less and less students attend University, so the resource available to deliver these needed skills dwindles.

So, University is important, both to the wider economy and to students, or should I say potential students, themselves. Let’s have a look at some key, positive reasons for attending University:

– University provides you with the opportunity to gain in-depth knowledge about one or two specific subjects. This level of knowledge is difficult to gain through your own self study.

– Most University courses require you to produce essays, dissertations and even theses as part of your course assessment. By attending University you are therefore able to improve your academic writing skills and your research skills. This in turn helps you to learn how to construct an argument, use other people’s research to support your own opinions and develop your own research methodologies.

– Some University courses are ‘Sandwich Courses’. This means that you are given the opportunity to complete a work experience placement as part of your studies. Not only does this add a bit of variety to your time at University, but it also equips you with some great hands-on experience in the industry that you are hoping to build a career within. Work experience of this level looks fantastic on your CV or Resume too.

– University provides an occasion to enjoy and build a social life! Forming new friendships, new relationships and networks is all part of growing up, and University provides the perfect place for you to enhance your social development.