Poor Credit Student Loans For Low Cost College Education

A student who is aspiring for college studies has enough loan opportunities even if he has been labeled as poor credit borrower. Poor credit student loans are now easily available to poor credit students as there are various options open to them in taking a loan. This simply means that you can attend college despite poor credit. For poor credit students there are a number of government loans which are approved without looking into your bad or good credit.

For instance a poor credit student can opt for Federal Stafford Loans which come in subsidized or unsubsidized options. With this loan credit does not matters at all to the lender as this is a governmental loan. The subsidized loan is approved on the basis of the economic needs of the student. The interest is subsidized by the federal government and so the loan is cheaper for a student. The government pays the accruing interest on the loan. On the other hands the unsubsidized loans are provided irrespective of the economic condition of the student. But the student will have to pay interest. The interest will start accruing from the day the student is paid out the loan.

As far as the loan amount is concerned it increases for each academic year that the student passes. The repayment of Federal Stafford Loans is kept flexible. Usually the student is allowed to repay the loan in 10 years. The student can also avail an extended repayment duration. The loan amount is disbursed by the college or university you are attending. So Federal Stafford loans are best suited for poor credit student loans as these loans are approved despite poor credit. The loan application for these loans can be from anywhere including college, university or you can go directly to the Federal Government's website for the application. Also there are many student loan websites who offer tips in sourcing the student loans. Explore them for detailed information about many features of the loan. …

Top Universities in Canada

Canadian universities are some of the best in the world in terms of learning, research, cultural and development opportunities. Students from all parts of the world go to Canada year after year to enroll in some of the best universities in this country. Some students cite Canada's diversity and multiculturalism as some of the reasons for selecting Canadian instead of British, Australian or American universities. Others chose to apply to Canadian universities because of their affordability, excellence, and employment opportunities after graduation. If you are interested in selecting Canada as your education destination, it's important to gather information and facts about all types of universities in this country. Here is a summary of the best small, medium and large universities in Canada.

St Francis Xavier University

This small university located in Antigonish, Nova Scotia (Northeast Canada) is ranked as the # 1 university in Canada among primarily undergraduate universities by Maclean's – one of the leading publications in Canada. St. Francis Xavier is home to more than 4,200 students who come from many parts of Canada and other countries. The university is well known for its quality programs in arts, science, business and information systems, but most students choose to go there because of its small campus atmosphere, small classes, one-on-one faculty-student interaction, community service and research opportunities. St. Francis Xavier offers approximately 33 academic programs ranging from Anthropology to Economics to Human Kinetics. Some of the most popular majors include Business, Information Systems, Nursing and Aquatic Resources.

Admission

Admission requirements generally include a high school diploma or its equivalent with courses in English, Mathematics, and other academic subjects. US high school graduates must have completed 16 academic subjects including four English courses. International students who native language is not English and who have not attended school in an English-speaking country must submit TOEFL scores (236 on the computer-based test and 580 on the paper-based test are required).

Tuition and General Fees *

Canadian Students: $ 6,800 Canadian Dollars (CAD) / academic year (approximately $ 5,783 USD)

International Students: $ 13,289 CAD / academic year (approximately $ 11,300 USD)

Scholarships are available for Canadian and international students who possess excellent grades (85% or greater), a history of community work, leadership and dedication to others.

University of Guelph

Located in Ontario and one hour west of Toronto, the University of Guelph offers excellent academic, research and international opportunities without sacrificing the friendship and comfort of a small community. The university is home to 16,000 undergraduate students and 1,964 graduate students including international students from over 100 countries.

Rated by Maclean's as the # 1 comprehensive university in Canada, the University of Guelph offers a variety of academic programs in arts, science, commerce, technology, engineering, architecture, veterinary medicine, and other fields. Many programs offer co-op opportunities that allow students to apply their academic knowledge in practical industry work. Because of the university's commitment to internationalism, study abroad programs abound including exchange programs with universities in Australia, England, France, India, Latin America, South …

Why You Should Get Online Degrees From Accredited Colleges

If you are ready to do a degree and you do not have the time to go to a traditional college, thanks to the internet you now have the option to go to school online and study at your own pace and at a time convenient to you. This will be one of the most important decisions you will ever make and as such you should make sure you cover all your bases to ensure that you are receiving online degrees from accredited colleges.

In these times there are many unscrupulous people online trying to make some money by conning other people. To ensure that you do not fall prey to these vagabonds here are some ways you can identify whether a school is accredited or not.

Do not underestimate what it can do to you if you earn your degree from a college that is not accredited. This will in the end turn out to be a waste of your time and money as your degree will not be recognized and as such you will not be able to work in the capacity of the degree.

Accreditation is where an intuition of learning obtains a program by program audit where the various attributes are evaluated to see if they all meet the standards for this type of education. So, in essence, getting online degrees from accredited colleges show that you are fully equipped to act in the capacity of the degree that was presented upon you.

To find out whether or not the school or college is accredited there are a number of ways to employ. You can call the school itself as well as you may write or email them and do not just take their word for it ask them to supply you with proof of the said accreditation. They should have no hesitations in doing this as they will want to get into their school before you find another one. Another option you have is to contact the agency that does the accreditation; you can do this before or after you contact the school. Before, to find out if they have accredited the school and after, to find out what are their credentials for accrediting are.

After reading this you should now realize the importance of finding and enrolling in online degrees from accredited colleges. This will greatly impact your future so choose wisely. …

Pros And Cons Of Being A Tattoo Designer

Tattoo designers are one of the most well paid jobs in the industry. However, it is not that easy to a successful tattoo designer. Unless you really have the passion for the art, you can’t be very successful. Here are a few pros and cons of being a tattoo artist.

Pros

Being a tattoo designer has its pros, especially if you love your profession. It is satisfying to see your creativity getting inked on someone else’s body. It is interesting to note how people trust you completely as far as their safety and looks are concerned. If you take your jobs seriously, you will have a large number of clients following you. Even though there will be competition, you will be able to set your own mark in this niche.

Moneywise, like any other business, tattoo artists have highs as well as lows. When you have those ‘high’ times, money flow is fantastic. And it will be your good money managing skills that will help you in the end.

Before you become a full-fledged tattoo designer, you need to be an apprentice of an established tattoo designer. Most of the established tattoo designers love to help the youngsters. You will spend time cleaning and sterilizing their equipment or simply helping them to modify the designs. In the beginning you will be required to create designs on leather. Later you will be asked to work on human skin. This entire process will make you come close to the world of tattooing.

This is a life-long career, which will bring satisfaction to you. Your self-expression is at its best, and if you are giving quality work, your clients will be impressed and come back to you.

You get to meet like-minded people, people who are amazingly artistic and creative, who will have their opinions but would appreciate that you have the right to be in this industry.

Cons

Being a tattoo designer has its share of cons. Establishing yourself in the industry as a recognized artist can be a cumbersome uphill journey. Competition is very high. There are so many aspiring tattoo designers that you will be surprised to know, and creating your mark amongst them would not be an easy task.

Besides that there are so many expenses to take care of. For example you need to maintain sterilized equipment, you have to source and maintain equipment, you have to source all your drawing and art material. If you want to be a custom tattoo artist, then you have to always keep looking for great designs and either modify them or just practice your own skills by drawing, drawing and more drawing!

While money flow may be really good when the business is in boom, it may dwindle during holiday seasons when people go out of the town. It is at this time you have to manage your money in a way that you sustain your business as well as yourself. At those times you would love to ink any person …

Education Leaders Struggle With Writing

Teaching elementary and secondary students how to write well is challenging. Many students do not understand the core principles behind writing, including the basics of sentence and paragraph structure, a logical progress of ideas, and reader awareness. Others do not have the technical skills of writing, including grammar and punctuation. However, with consistent, year-by-year, engaging instruction by committed teachers who understand not only the value but also the principles and skills of good writing, students can learn to write well.

If students do not learn to write well, I blame the teachers. Not the television, not the parents, not the peers, not the music-the teachers because they are specifically charged with teaching and are held accountable for student learning. In this day and age of education accountability, teachers are held to a high standard for student learning by local and state education leaders. In part, they are measured, assessed, and evaluated based on whether or not their students learn to write.

But here's the rub. If education leaders are not able to write well, do they have the moral authority to hold teachers accountable for the students' writing abilities? Furthermore, do they have the ability to determine whether or not students write well if they, themselves, can not demonstrate good writing?

Egregious Example
I spend quite a bit of time on websites for state education agencies, and once in a while, I come across a document that demonstrates how education leaders struggle with writing. Recently, I was reviewing a School Improvement Grant (SIG) request for proposals. The purpose of the SIG is to transform so-called "failing" schools so that students can improve their academic performance. The people who wrote the request for proposal, and who reviewed it before distribution, do not write well. Even while telling school leaders what to do to improve student achievement, they demonstrated their own lack of ability.

Example 1
"LEA must implement each of the following strategies by:
• Replacing the principal (if the principal has been at the school less than two years, the LEA can choose not to replace them). "

Problems with writing skills
1) "Them" is a pronoun referring to more than one person; its antecedent is "the principal," which is singular. (According to the Common Core State Standards, third grade students are expected to master the ability to "Ensure subject-verb and pronoun-antecedent agreement.")
2) The colon after "by" is incorrect because the prior statement is not an independent clause. If this statement were written out (ie, not in a bulleted list), it would not need a colon.

Problems with writing principals
1) The writing style is inconsistent. The following text occurs later on the same page: "the LEA can choose not to replace him / her." This statement is grammatically correct (even though I do not like the "him / her" construction).
2) The statement does not make sense! The example shows the first of many actions in a bulleted list. The applicant is instructed to "implement each of the …

Pros and Cons of Becoming an Auto Mechanic

There are various positive and negative realities of becoming an auto mechanic. You need to be familiar with all of them before becoming 100 percent committed on pursuing this profession. By being involved in auto shop courses and working as a mechanic apprentice early on you will gain invaluable information that will help you make a thought out choice. In this article we aim to showcase some significant advantages and minuses of working as an auto mechanic and set you on the right path to pursuing this subject further.

Pros:

1. Doing work on your own vehicles.

As a mechanic you’ll be able to work on your own personal vehicles which means you will save money by doing the work yourself. Additionally, you can buy and repair older vehicles and sell them for a profit.

2. Great place to begin for launching your own shop.

After you obtain the essential expertise you will have the opportunity to open your own shop. This will require not only technical skills but additionally behavioral skills that you will need a lot when dealing with clients.

3. Employment stability.

As increasing numbers of individuals are putting off the purchases of new vehicles their older cars need more repairs and maintenance. By entering this field, you can expect to always have a place to work provided that you possess the essential skills.

Cons:

1. Expensive resources.

The equipment required for the career are costly. Initially the majority of your wages will go towards your tool assortment. It is a sizable investment but will pay off for itself eventually.

2. Entry-level salary is fairly low.

When coming into the field of automotive repair, you will notice that your income will not be very high. Dependent upon your location and past experience the earnings may vary individually for each person but tend to be anywhere from $8 to $15 per hour. If you need a high paying job instantly, this may not be the career path for you.

3. Long hours and continuous training.

Fast paced mechanic shops are generally filled with cars and remain open to satisfy client expectations. Anticipate to work nights and weekends. Furthermore, with all the changing technology in cars a mechanic will need to continually retrain themselves. As a mechanic you will also have to retake the ASE examinations every 5 years in order to maintain your certification. This training costs money and typical courses cost between $500 to $2,500.…

Work From Home Careers: Have Discipline? Will Work

Want to work from home but not sure what you can do?

Do you want to earn a degree that could lead to a successful job working from home?

Do you know what kinds of jobs are best for telecommuting?

There are many opportunities to earn a great income with a job that can be done from a home office.

Workers are attracted to home based jobs these days, since the concept has becomes more economically and socially acceptable. The technology necessary to set up a home office is commonly available and fairly inexpensive. Workers today want to spend more time with their families and are seeking flexible schedules to care for children, and perhaps aging parents.

Thanks to technological developments, especially the Internet, home-based workers have greatly increased their capabilities. If you have thought about earning your degree in a field that can translate in to a home based position, check out the following jobs that can be easily done from home:

Medical Transcriptionist

Medical Transcription is highly specialized field and requires certain skills and training. Medical transcription a process where a person accurately and promptly transcribes medical records dictated by doctors and others. The dictation will include medical history and physical reports, clinic notes, office notes, operative reports, consultation notes, discharge summaries, letters, evaluations, lab reports, etc. Transcriptionists receive dictation by tape, digital system or voice files, and then use earphones and a foot pedal for start-stop control along with a word processing program. There are several word-processing systems that are used. This job requires exceptional listening and language skills, computer skills and knowledge of medical terminology. Many medical transcriptionists work from home-based offices as employees or subcontractors for hospitals and transcription services, or are self-employed as independent contractors.

Transcriptionists need to complete postsecondary training through vocational schools, community colleges, and distance-learning programs. It is highly recommended for medical transcriptionists to complete a 1-year certificate program or 2-year associate degree that encompasses work in anatomy, medical terminology, legality in healthcare documentation, and grammar and punctuation in English.

*Medical Transcription is one of the leading home-based professions in the United States.

Graphic designer

The Internet has opened a whole new world up to graphic design professionals . Graphic designers and illustrators often work in the industry of web design and development, and can reach the world via the Internet. These jobs can be done from virtually anywhere on the planet. All you need is an Internet connection to run a successful and lucrative design business

Graphic designers create visual solutions to communicate. They use a variety of print, electronic and film media to effectively get their message across to others. Graphic designers use computer software to develop the overall layout and production design of magazines, newspapers, journals, corporate reports and other publications. Overall, these professionals come up with strategies for layouts and artistic concepts, and they must be able to create visual images that engage, attract and sell their clients products.

Roughly 70% of graphic designers do go to …

Changing Careers – What Is Your Encore Career?

You can be part of the revolution that’s been taking place in the U.S for some years now, the first wave of Americans that are changing careers after their 50th birthday. In the previous generations, for centuries, people would work at the same job or within the same profession right up to the end of their working careers.

But that mold has been broken and now more and more people are starting second, or encore careers that can continue until they no longer desire to work. These new career adventures can be exciting, challenging and rewarding and can be managed as long as the person desires, even well into their 70’s and 80’s.

These new online careers can also be passed on to family members and can become quite lucrative. One study that I’ve read about shows that 40 percent of those working at the age of 62 had started their second careers since they turned 55.

When someone has a passion or a purpose and they set their mind and follow a well laid out plan anything is possible and new careers can take off at any age. Some can become financial gold mines while others supplement Social Security and pension checks while paying off more in satisfaction and peace of mind.

The Comfort of Your Own Home

Many have always had to go through the routines of getting up early in the morning and getting ready for work, driving off into the rush hour traffic, working all day and then driving home again risking life and limb on the freeways and streets of any city. That gets less and less appealing as we get older and working from home sounds like a great idea, it did for me. A question that I asked myself many times over a period of a couple of years was “what is your encore career”.

Well, it’s entirely possible for anyone to make that career change at any age and stay in the comfort of your own home and make money online. After all there are well over 2 billion people searching the internet for everything and that number grows every day. Once you decide on a new career choice that you can do online, you can set your own work schedule around your life instead of having it the other way around.

If you’re dissatisfied with your current work situation and would like to step out and do something different then making a career change just might be an answer and the beginning of a new chapter in your life.

The Law of Sowing and Reaping

Changing your career at any age can be challenging and will force your mind to grow. Of course it will take lots of time and focused energy to become a professional at anything and there needs to be that investment on the sowing end prior to doing any reaping. It’s an exciting time because you’re creating something new, your career and future lifestyle. You are building …

Learn How to Make Money Taking Photographs

Thanks to the internet and digital cameras there's a huge market now for selling all kinds of photos featuring themes, styles, topics, etc.

There is money to be made from taking and selling photographs. Taking pictures is easy, fun and you can work at your own pace. You do not have to be a professional photographer or have a college degree. All you need to get started is a digital camera, computer and a photo-editing program (Adobe Photo Shop, etc). You do not have to be a professional photographer or have a college degree.

The market for photographs is huge. Estimates show magazines and newspapers buy over 50 million photos a year,

There are many different ways you can make money with your digital camera. You can make money taking and selling photographs for people's personal use, decor, family reunions, birthdays, anniversaries, memories, portraits, weddings and pets.

Clearly to be a success in making money taking photographs includes tips on finding the best revenue sources for your type of work. Depending on what method you choose to market your photographs with you will either be selling them per download via sites such as Stock and Prints, Crestock, iStockphoto, Dreamstime etc. or local Business People, Travel Agents, Realtors, Car Lots or even directly to clients on a contract basis. Photographers are needed in many fields. For instance many people use car web sites and they sell their products as a result of photography. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a great need for landscape, travel and nature shots. The key to finding your clients is simple: find out where they buy their current photographs and make yourself visible there!

These are some of the photograph markets that will pay you for taking pictures:

Marketers
Writers
Magazine Editors
Weddings
Scrap Bookers
Business People
Peoples Pets
Travel Agents
Realtors
Web Designers

There are many other markets that you can check out that you can sell photographs to.

Learning how to make money with your camera via the internet can be reliably easy. All you need is to get enough determination to give this endeavor everything. You must also have the initiative. This will ensure that you make the first move to making the business a success.

Almost anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You only need to convert a room of your house into an office, and then you can work immediately. Because you have modern technology in the form of digital cameras, you do not even need the room for a dark room.

The technical skills needed to make a successful photographer have never been easier. The market for photographs of almost every type has widened, the world looks to have an insatiable appetite for photographs. . For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products …