What Is a Coverdell Education Savings Account?

Supporting the increased cost of education often becomes a tough job for parents and some even have to compromise with their desires for higher studies. Students who want to continue their course of education should apply for Federal Grants and Scholarships to get the necessary assistance. In addition to that saving for college should also play a part in helping to fund your child's education. The Coverdell Education Savings Account is a popular choice in this matter of many intelligent students and parents who want to save some money for funding education costs.

A Coverdell Education Savings Account or Coverdell ESA was designed to help students and parents save some money for meeting educational expenses. If you do not have a covered Education Savings Account, you can check out the details to get an idea of ​​the benefits you can receive. Also note the clauses that are to be followed for becoming eligible to get the benefits.

How The Account Works?

This is one of the most important points to be noted, when you are planning to open a Coverdell Education Savings Account. Both parents and students can open this account and save money as per their financial ability. However, the deposit limit is restricted to $ 2000 per year for every beneficiary, irrespective of the number of accounts he or she holds. Also note that only children under the age of 18, with the exception of special needs students who can be of any age, are eligible for these accounts. The amount that is deposited in this account grows tax free but you must pay taxes on it when distributed if they are not used for qualifying education expenses.

The money saved in this account can be used for funding expenses in Elementary schools or secondary schools as well as in colleges, depending on the requirement.

Some Important Points To Note To Enjoy The Advantages of Coverdell ESA:

• The money that is deposited in this account will be eligible for tax free distribution only when it is use for funding education costs, like paying tuition fees, buying books or other items needed for studies. One can also use this money for paying the rent of boarding schools.

• The school or college where the students are enrolled should be recognized by the board of education. Any private school, public school and even religious schools offering education as per the state law are covered under Coverdell ESA.

• Students enrolled in voluntary schools, colleges and universities working under the Department of Education can enjoy the tax free distribution of the money deposited in the Coverdell ESA scheme.

• To enjoy the benefits of this saving plan, students should have all the supporting documents for providing their eligibility. Failure to do so will lead to taxable distribution of the money saved in this account.

What Happens When Distribution Is Not Restricted to Qualified Education Expenses?

In case the contributions of the money saved in the Coverdell ESA is not meant …

Career Branding Strategies to Beat a Recession

Self Branding or career branding is an often over-looked important party of the job search. The biggest mistake that people make is to assume that their past accomplishments and career experiences will speak for themselves.

Often, job seekers can fail to take a proactive approach to creating and marketing their reputations. Branding is setting yourself apart from other job seekers. If an employer sees "productive," or "self-motivated" basically stamped on your forehead he / she is going to stop and take notice. The blame lies entirely on you if you choose not to be active in asserting your reputation.

It is so important to market and manage your reputation in this manner. Start by determining what your strengths and assets are. What have other employers complemented you on? Are you dependable? Do you show good leadership? Or maybe you have good analytical qualities?

Whatever your best feature is, you need to identify it, and then go about highlighting it to potential employers. There are many different ways to market your brand. Begin including your brand in emails and letters. When you describe to people your job functions, include your brand. This can be done effectively and tastefully in a manner such as, "I work for company X to create new software; my work is completed on time and on budget."

Another example from a manager's standpoint could be, "I lead others to follow my example and work efficiently without sacrificing quality or integrity." The first example provided highlights the candidate's respect for deadlines and good money sense. The second showcases the employee's leadership qualities and values. Once you establish your brand you can use it in many situations to remind your potential employer what it is that you bring to the table.

The bottom line is that if you do not brand yourself, others will. Nobody wants to see bad qualities like these present in a potential employee. You might have accidently given a bad first impression without even knowing it, and words like these might cling to your name.

Much of this could have been avoided had you mentioned in early email correspondence that you have responsibly performed your duties with other employers and that you possess such and such qualities. Obviously if you claim punctuality as a selling point, then are late to an initial interview, your actions discredit your claims. Generally, however, you can shape the opinion that others will take towards you, by effectively marketing your brand.
You can be active and establish and market a reputation which showcases qualities such as:

Dependable, Leadership skills, Motivated, Supportive of co-workers, Hard-working

These are all great characteristics with which you should aim to be associated. An employer will brush aside others in an effort to take a better look at you if you present yourself as possessing any of these qualities. It's critical in the job market to set yourself up above the rest of the crowd. Career branding is a great way to do just that. …

How To Get Into A Great College After High School

The process of getting into college period takes a lot of hard work, so as you may imagine, the process of getting into a GREAT college requires even more effort . In this article, I'll lay out what competitive colleges are looking for in applicants and tell you EXACTLY how to get into a great college.

Before we get started, the first and most important thing that you need to keep in mind as you're reading this article is that a great college is seeking students who have excelled in many different aspects of their high school career. Nowadays, it will take more than just a high GPA and good standardized test scores.

Got it? Okay, without further ado … here's how to get into a great college:

1. Have a great GPA, period. This GPA should be reinforced by honors and AP classes (if possible). Taking and succeeding in challenging courses in high school reassurance top notch colleges that you can indeed handle their demanding curriculum.

2. High SAT / ACT Scores. Most students do not take the time to really study for these types of standardized exams; however you are NOT like most students. As a potential ivy League bound student, you'll need to spend as much time as you can studying for these tests. I would highly recommend taking a SAT or ACT prep course. These tests can be tricky, but with the proper amount of study, you can score well.

3. Extracurriculars. As I mentioned in the introduction, great colleges want students who have excelled in all areas of high school. You should be considered a leader on campus and be involved in a variety of extracurricular activities. Also, colleges like to see a lot of community service hours. Volunteer work tells a lot about a student's character. This will show that you are still committed and dedicated outside the classroom.

4. Outstanding Personal Statement. The personal statement can be a deal breaker in itself. Spend a lot of time in this area and do not be afraid to involve others. You will want to make sure that you stand out from the crowd. It's okay to spend time perfecting your essay and making sure that it says exactly what you want to say.

5. Nail the Interview. Get rid of the jitters … this is your time to SHINE. Try to go into the interview as calm as possible, so that you can really show off your intelligence and personality. Try to do some mock interviews at home just for practice

This is how to get into a great college. If you follow these five steps, I guarantee that you will increase your chances of acceptance into a great college. Good luck future Ivy Leaguer! …

Is Being a Chef a Career or a Job?

Just like any other profession, whether or not being a chef is a career or a job depends large on you. Of course, if your chef-dom is mere a job for you, do not be surprised if it does not take long to burn out. Fifty to 70-hour work weeks, high stress, and the creative brain drain all take their toll fairly early on those not strictly indebted to their paycheck-maker.

Successful chefs are like other creative types – they will be found "playing with their food" even if no money was involved. Like writers who write because they love to express themselves this way, and singers who belt out tunes anywhere they can get away with it, chefs are "chefs to the bone." A true chef considers the money involuntarily a "bonus" to what he or she loves to be doing anyway.

While a job is just a means to an end (as in paying the bills) with 40 hours dutifully put in every week and the occasional overtime blessing (or curse, depending on your situation), a career is like a marriage: You have an unspoken commitment to yourself that you will love, cherish, and even obey this voluntary calling 'til death do you part. If you ever get to know a successful professional chef, you'll immediately realize this "marriage" is a forever thing – part of his or her personality that's so ingrained there is essentially no difference between that person and what they do for a living.

Chefs live, breathe, eat, and dream about – guess what? Food. Although there are many other duties associated with "cheffing," such as management, personnel, accounting, and other responsibilities, the core of a chef's livelihood is the preparation and presentation of food.

When someone approaching their living comes home from work complaining of the tiredness of their feet and back, the heat of the kitchen, or the endless stream of meals that had to be prepared, it's obvious this is just a job to him or her. The career-minded chef is not even aware of being career-minded; their mind is on what went wrong, what was successful, and how could they improve on anything that happened in "their" kitchen that shift. The chef in the former state of mind wonders how to get out of his current situation; the chef in the latter mindset wants more and relishes the next opportunity to express him- or herself with food.

So when you ask if being a chef is a career or a job, no one can answer that except you. If coming home smelling like barbecue or fish or Limburger cheese appalls you, consider the fact this is often the case with chefs. You may want to save your cooking skills to the occasional at-home masterpiece that wows your friends and family. But for those of you reading this that are saying to themselves, "Yep, that's me, all right," then do not wait any longer – the world's taste buds impatiently await …

Why All Accounting and Engineering Jobs?

I could not help but notice that there is a run on Engineering and Accounting jobs in the market right now. I decided to do a little research to see if I was imagining this and here is what I came up with:

After speaking with employers and examining job descriptions it did not take long to realize that the mad rush to fill accounting positions could be traced back to the high profile accounting scandals at companies such as Enron, WorldCom, and Tyco. In response to these scandals Congress enacted the Sarbanes Oxley Act of 2002, also known as the Public Company Accounting Reform and Investor Protection Act of 2002.

Sarbanes Oxley established 11 new stringent standards for company boards, management, as well as public accounting firms. Rulings on requirements of Sarbanes Oxley come from the Securities and Exchange Commission.

As a result of this legislation as well as an overall climate of corporate regulation companies are placing a premium on finding quality accounting candidates, specifically those candidates that have experience with Sarbanes Oxley compliance.

The generous supply of Engineering jobs on the market can be traced back to several different factors. According to the Engineer of 2020: by the National Academy of Engineering the engineering field is and will continue to be driven by breakthrough technologies specifically Biotechnology, Nanotechnology, Materials Science and Photonics, Information and Communications Technology, Information Management, and Logistics.

In this time of innovation in this country where technological advances occur so rapidly the need for quality engineers is similar. Competitive advantages are won or lost on the ability to drive innovation.

Another important factor to consider is the pool of candidates available for high level engineering jobs in this country. According to the National Science Board, International students account for nearly half the US doctors awarded in engineering and computer science. In addition, more than 35% of US engineering and computer science university faculty are foreign-born.

According to the Journal of Engineering Education many nations are seeking to reap the benefits of advanced education, including strong positive effects on GDP growth. They are not only trying to attract international students to their countries they are trying to lure top talent as well. Those countries like China and India that used to feed American schools with engineering students are now making a concerted effort to keep those students home or to return home after getting their education. This new competition may be a factor on the pool of quality candidates for engineering jobs in this country.

One thing is for sure, if I was advising a young person today I would say get that accounting degree or that engineering degree and better yet get an advanced degree. You will be in high demand. …

How to Help Your Kids Become Self-Confident, Happy and Passionate

Thinking back to our school days, we were taught various subjects, given a bit of guidance about what career we should follow and that’s about it. There weren’t, and still aren’t, any excellent coaching programmes in school unless you’re an athlete.

Furthermore, with recent UK government policy suggesting that all young people should have a coach or mentor, it’s difficult to see how this would work in practical terms.

This situation continues to be of concern since the education sector continues to cut budgets and careers services.

During my teaching career I’ve never seen or experienced how schools, colleges and universities and, for that matter, workplaces tap into the root passions that we are all born with.

Imagine if the education system tapped into our core passions and promoted educational subjects around those passions instead of trying to pigeonhole everyone?

Having worked with thousands of young people, my purpose in life is to inspire and support parents, guardians and those who meet young people to coach them towards a life and career filled with purpose and have fun doing it. That is the reason why I’ve written this article.

I love what I do because of the results I get working with both adults and young people. I see people’s eyes light up when they realize what’s possible and they see a future for themselves. This is particularly important for what we describe as the lost generation of children.

With young people I love to see them discover what they want to do in life as this helps them focus on their choice of studies. What’s your story going to be?

So, let’s get down to it.

I’d like to help you to discover your child’s purpose in life and potentially your own – are you ready? Remember that these exercises are best done with young people age 14+ as this is the time when the family unit starts to think about further education at college and university. In addition, this exercise is equally valuable for your older children age 18+, with or without help.

Without a purpose in life, it’s easy to get sidetracked or lost. It’s therefore easy to wander and drift and accomplish little in life. I’ve known hundreds of students like this who have attended college and university without any idea of why they are there or what they want to accomplish in life.

To start with try to chat with young people in an informal environment – don’t sit them down and start grilling them because they’ll just walk off – usually!

As a career coach I use The Jack Canfield Success Principles and one of the most important places to start is to ask the young people in your household this question.

Ask them “What do you want?” The first thing that will happen is that the young person will either a) start talking or writing things down or 2) say “I don’t know and shrug their shoulders”.

So the next question if they …

The Science Behind 7 Keto DHEA

An Overview of 7 Keto DHEA

7 Keto DHEA has been in littered in the headlines in support of weight loss. Although it explains the health benefits of 7 Keto DHEA, there has been little explanation as to what exactly it does.

7 Keto DHEA is a metabolite of DHEA, the renounced hormone, a substance recognized to improve the effects of aging on a lot of functions of the body. Given that 7 Keto DHEA does not change into estrogens or testosterone, it is a 100% safe option to its parent substance. There are indications that 7 Keto DHEA asserts the body reduces weight by imitating thyroid hormones that reason the body to create more heat, therefore combusting more calories without actually performing anything. To a certain extent this means that enhancing thyroid enzymes can be considered as thermogenic.

It lends better assistance to the immune system by augmenting the production of IL-2 in human lymphocytes. IL-2 is the principal cytokine controller of T-helper cells that asserts activate the immune system not in favor of invading pathogens. It assists to diminish cortisol. Cortisol is a hormone related with stress in addition to sever disorders of frame of mind and aging.

When beginning the use of 7 Keto DHEA, the resting metabolic rate of the body shall begin to augment. The RMR (resting metabolism rate) is the smallest amount of calories that the body requires to uphold its basic functions, which comprising digesting food, breathing, circulating blood, and so on. By raising the RMR your body will burn normally additional calories per day, to the amount that surpasses your intake of calorie. By doing so, your body will begin to consume your fat accumulations in your back, stomach, thighs, and other parts of the body. The output is steady natural loss of weight. A 7 Keto DHEA supplement would have considered different from any other metabolism amplifier given that it is naturally available in the body.

Benefits of 7 Keto Supplement
While there are many diet products that are available on the market, only some can really give what they articulate they can. 7-keto has had supportive recognition over the past few years as a result of its properties of natural weight loss. Neverheless, weight loss is not the sole advantage of this supplement. The following are some of the benefits including:

Enhance metabolism
Its main function is to increase your metabolism; therefore you are able to combust more fat while you are having a rest. Your RMR will be radically improved in order that you can dissolve away fat and neat your thighs and stomach.

Advances immune system
One recent research tested 7 Keto supplement's ability to get better immune purpose in aged participants. Accordingly, the research revealed that following only four weeks, participants obtained high levels of white blood cell, could brawl of illness more rapidly, and associated cells that increase the immune system of the body.

Slows down aging
Similar to human growth hormones and IGF-1, the natural …

Student Life Troubles

Student life is said to be the best part of human life. When the university life starts a person is then about to enter into practical part of life, a time when people starts knowing the world. This time is delightful and at the same time painful to some extent.

When a person completes his or her high school and incomes in university he has to leave home. That is where complications begin. Living apart from your near and dear ones and also adjusting in a new atmosphere makes it rather difficult.

Another big problem of student life is money crisis. To cope up with rising needs they have to work part time to earn some extra money along with studies. The students who do not come from well-off families have to pay lot of attention in saving money. This creates extra mental pressure as they can not do things they like.

Many students who live apart from there homes suffer form malnutrition. At this age people are more tempted towards junk food and since they have no family restrictions so they eat what ever they like. This takes a great toll on their health. Some also try to eat cheap food to save some extra bugs which is very dangerous.

In university life students also suffer from emotional crisis. New comers face loneliness in new places. The ones who have introvert personality suffer much at new places. Also at this age people have deal with relationship issues. Many can not deal permanently in these cases and fall apart. These kinds of people suffer a lot from mental and emotional traumas due to the lack of maturity. Many even try to end their lives for getting hurt in love related issues.

Academic studies now a days creates extra pressure on tender minds. Back to back assignments, presentations, exams makes students bored and unwilling to continue studies. Statistics has shown that many students who brave brilliant performances in till their high school fail to make satisfactory result in university life.

University students are often interviewed to deal with drug related problems. They easily get addicted to drugs and alcohol for getting extra pleasure. Some use them to get extra strength and some just start it for fun. In the long run of life it destroys their health as well as their social status.

To earn extra money and to lead a hi-fi life style many students opt illegal ways of earning money easily. This crime records creates chaos in their future which they do not realize at this age. …

How to Become a Lawyer – Five Steps You Should Follow to Start a Brilliant Career

Have you ever thought about how to become a lawyer? Well, your dream is not that difficult to turn into reality. In fact, all you need to do is follow the five steps listed in this guide to establish your name as a successful lawyer.

1) Start Preparing from High School

If you are a high school student who wants to know how to become a lawyer, you're in luck; though law schools will not go through your high school transcript, you can still prepare for your future career. You can start to:

  • Develop skills such as writing logically, critically analyzing problems, and working with different people
  • Take advanced courses in humanities
  • Enroll in Latin and philosophy classes
  • Participate in extracurricular activities such as the debate team, student government and mock trial team
  • Apply for internship at the office of a lawyer

2) Get Your Bachelor's Degree

The second step in this how to become a lawyer guide is obtaining your bachelor's degree from a recognized institution. You should make sure to work hard to keep you GPA high; a low or average GPA is not acceptable in law schools. In addition, you should make sure to keep your relationship with your professors friendly because you will need their letter of recommendation later on.

3) Register and Study for the Law School Admission Test

During your junior year, you should register and sit for the Law School Admission Test (LSAT). The LSAT is a half-day standardized test that is required for admission to all American Bar Association (ABA) approved law schools. The test will measure your reading and verbal skills to assess whether or not you would be ready for this career. However, make sure to enroll in a preparatory course before sitting for the exam for the LSAT can help you gain admission in a law school even if your GPA is not that high.

4) Enroll in Law School

Once you pass the LSAT and finish your college education, you should get ready to specialize in your field. So, the fourth step in this how to become a lawyer guide is enrolling in the best law schools around. Consider Yale, Harvard, Stanford and other top universities that offer a law program. During your years in law school, make sure to:

  • Qualify for law review
  • Choose marketable subjects such as intellectual-property law
  • Create professional contacts
  • Master all the skills you would need in your profession

You may choose to apply for the bar without a degree, ie you can become a lawyer in some states with four years of study at an unaccredited law school or four years of studying law in a law office program. However, both of these options will not get you as much success as a law school degree.

5) Pass the Bar Association Exams

You will have to sit for the exams set by ABA, but you should inquire about those beforehand. Some states may require that you undergo a character and fitness review. …

3 Signs That You Hate Your Career or Business

You may work in career, job and even doing a business that you absolutely hate. In addition, you may sick or know someone with a debilitating illness all because of the stress associated with a job that you never liked nor enjoyed in the first place. You took the job out of desperation because you had to put food on the table for your family and that was the only opportunity available at that time. Now, it's 5 years, 10 years or 2o years later and you are miserable.

When Monday morning hits, you agonize thinking "Do I really have to go to this place?" What a feeling that is to have. It is painful just thinking about it. This maybe you or you may know someone like this.

Here are 3 signs that you are in the wrong career, job, or business and now it is time for you to seek your God-given talen t:

  1. Every morning when the alarm goes off, it takes a spatula to get you out of the bed. You hit the snooze button every chance that you can until you finally realize that if I do not get out of this bed, I'm going to be late.
  2. You're constantly in a bad mood and it all relates back to the work that you do . You snap at everyone including your children, spouse, fellow co-workers, etc. When it's time to go on a lunch break, you're constantly thinking that I wish that I could go home and never return. Your marriage is falling apart and your children do not know who you are anymore because you hate what you do.
  3. You're not fulfilled. You may someone who makes six-figures and beyond, but yet you still feel dissatisfied with what you are doing. You feel empty. You literally feel like you're just existing.

** Bonus: You are literally losing yourself. You feel that if something does not change for me now, I really do not know how I can go any further (literally). You are on the verge of depression and it's literally killing you.

If any of the above identifies you, I want you to know that you are not alone. There is a way out, but your only way out is to make a non-negotiable decision right now that I will do whatever it takes. I encourage you to develop a plan. You have to start somewhere. So many are guilty of saying what they want, but never make any preparations to ensure that is happens for them. "You are the captain of your fate and the master of your own soul." I can want it for you all day long, but if you do not want it, how I feel matters not. The choice is yours. …