A lot of my friends have been bugging me laTely, about writing an article that lets people know how great it is to be an appraiser. Knowing me they know I love to write blogs, and since I am an appraiser, they are surprised I do not write a whole lot about it. Not even sure why it never dawned on my before, I'm going to start. The industry is changing as a result of the turmoil in the housing market.
The powers that are being ratcheting up requirements. In every state, not just a single state. They are trying to standardize licensing, testing, etc. Any time an industry goes through such a radical change there is a big turn over in the professional population, and this is no different. There is a percentage of people out there who just feel that they past the time to keep up on the higher educational requirements – and chose to retire. There is already a pending crisis shortage of commercial appraisers, and residential appraisers will soon follow.
The timing couldnt be better – if you are looking for your first career, or changing careers. Or even if you would consider changing careers because you need flexibility.
The problem is, when you come across a legitimate offer out there, that can change your life, you're so used to hearing all the "static" from work at home jobs that you dont believe it. Yes it sounds too good to be true that you can be your own boss and make $ 100,000 a year.
The catch is that its real, so it takes some REAL work. Another catch is that its better you've already invested in your formal education up to the point you have some college degree of some sort. You need to take some evaluation specific classes, but having gone through the process – its definitely worth the effort. The most important thing is – the pay off is way out of proportion to the costs.
I got lucky, and had a friend in the business that walked me through the process. If I didnt have that, I might not be an appraiser now.
I did search the internet at the time but didnt really find much about how to get into the industry. But now there is a place that does just that: Helps you get into the industry, tells you how to find a job, what classes to take, etc.
Its ResidentialAppraiser.biz so if you're thinking about it, you should visit them – the requirements go up in January 2008! …
The famous University of Pennsylvania is situated in the city of Philadelphia in the state of Pennsylvania in the country of the United States of America. The University of Pennsylvania is one of the few universities of the US that came into being at about the same time the country was established. As a result, the University of Pennsylvania boasts of a rich history. It is a reputed University and is part of the prestigious Ivy League group of universities. Benjamin Franklin, who was an important citizen of Philadelphia when Philadelphia and Pennsylvania were in their earliest stages of development, is credited with being the founder of the University. He was a student of the University himself. Franklin initiated several progressive reforms in the College of Philadelphia – that was the name of the University then – so that the College became one of the main seats of higher learning of the New World.
Aim, Goal, Motto
The University used the great Roman poet, Horace’s work to devise its motto. The English translation of the Latin words (composed by Horace), the University represented in its motto were: ‘of what avail empty laws without good morals?’ These words were changed gradually over the years. The present motto is: ‘laws without morals are useless.’ This is only a slight modification of Horace’s original words. As the University of Pennsylvania, also known as the University of Penn, proudly proclaims that ‘laws without morals are useless’, it should examine its own laws and morals thoroughly. Can the University be so cocksure of its own laws and morals?
The University of Pennsylvania is celebrated for its many departments or schools such as its School for Engineering and Applied Science, School of Nursing, College of Arts and Sciences and ‘The Wharton School’, the well-known B-School of the world. The University of Pennsylvania is eminent for encouraging its students to pursue multidisciplinary careers. The University urges its students to study for more than one degree at a time and to pursue majors in subjects that are not commonly studied. It also allows a great degree of flexibility in its course curricula so that students with children and working students can study comfortably at the University.
The University of Pennsylvania is home to several graduate schools as well where students pursue graduate courses, professional courses and research programs. Some of these schools are the University of Pennsylvania Law School, University of Pennsylvania School of Medicine, Wharton School, University of Pennsylvania Graduate School of Arts & Sciences, University of Pennsylvania School of Engineering and Applied Science, and other schools.
The University of Pennsylvania observes very strict admission procedures just to show that it is a great university and that it admits none but the best. It generally admits only 16% of the total number of applicants who apply to the University. It ensures that those it admits have secured top places in their respective high schools. Only 60% to 65% of the admitted candidates actually get through …
In order to stress the importance of psychology and its distinct and intricate attributes, here is an attempt to reveal the essence of the discipline of psychology. In doing this, this essay will answer: How does psychology's mission add unique elements to the social sciences?
Social science has a number of different factors and is made up of many different disciplines which include geography, anthropology, psychology, political science, economics and sociology. Although some of these disciplines have been researched and developed more thoroughly than others, psychology may be argued as being the most prominent. Psychology's theories have been evolving for well over a century and are the subject of continuous debate in the academic world and beyond. The key factor that differentiates psychology from the other five social sciences is its individual humanistic focus. The study of psychology is based upon the human condition (who am I? Why am I?) Whereas the other five disciples are focused on humans as a group (who are we? Why are we?). It is this factor that separates psychology from the other social sciences.
The four main psychological theories to be discussed below are:
o Humanistic Psychology
Little value was giving to the discoveries of early pioneers of this social science until in 1900, when Sigmund Freud developed the first theories of psychology. Freud's most fascinating theory was psychoanalysis which was based on observations made in his private practice in Venice. David G. Myers of Hope College in Michigan describes psychoanalysis as Freud's theory of personality that attributes our thoughts and actions to unconscious motives and conflicts. The techniques Freud used to treat patients with psychological disorders were sessions to expose and interpret unconscious tensions. Freud used these sessions to analyze the dreams that his patients had, believing that dreams were the ultimate road to the unconscious. Although only a very small percentage of current psychologists follow Freud's theories and clinical methods, they continue to resonate in the popular mindset often laying the foundations for more recent theories.
Shortly after publication of Freud's psychoanalysis theory, Russian biologist Ivan Pavlov began publishing accounts of his experiments on animals involving revised response which searched conduct that was motivated by a series of rewards and punishments. Inspired by Pavlov's experiments, John B. Watson founded the move of behaviorism shortly after World War One. Many believe Watson's theory was a reaction to Freud's often controversial psychological theories. In any case, Behaviorism, like most psychological theories in the early years of discovery was thought to be a break-through in social science.
In the 1960s, a third wave of psychological theory came into play. Humanistic psychology has many differentiating theories yet a majority of humanistic theories conceive of personality developing continuously over time. Psychologists of the humanistic revolution derived much of their inspiration from the humanities. In particular, Eric Erikson, who was influential in the humanistic movement, much of the enthusiasm surrounding humanistic psychology was due to the …
When students successfully put tuition worries out of their mind, they notice an increased grade point average and a much more successful college career. This can have last year's effects on a student's ability to navigate the job market once they graduate and find a job they really want and will enjoy. Students should exhaust every possibility when it comes to paying for school, as an education can do wonders for a student's ability to stay competitive in the real world and find a good paying job they love.
Image tuition woes can have a devastating effect on the student's ability to function properly while in school. Many students find concentrating difficult and near impossible when they are worried about tuition and money matters. Students who are successful in putting these issues out of their mind will enjoy a college career much more promising and satisfying than students who spend their four years struggling each semester to come up with the money necessary to attend school and earn their degree. Once the degree is done, students may feel relieved, but their college career may have been limited by their constant worried and the time devoted to coming up with college tuition money each semester.
Students should always apply for scholarships, grants and other forms of free money for their education. These are excellent resources for finding money when finances are tight and the family can not support the student for all four years of college. Overcoming the college tuition barrier will help students become successful and put the issue out of their mind so that they can pay attention in class without worrying about the matter while the professor is lecturing. This usually causes students to miss important points and makes it more difficult to retain information while studying. Students whose attention is fully devoted to the task at hand will find school much easier and more enjoyable.
When college tuition is not an issue, students will find that their grades are looking better and their overall college career is more successful. When scholarships and grants do not add up to the price of tuition, students should seek out alternative ways of earning money. A college internship is a great way to earn money for school and can help students gain valuable experience for the real world once they graduate. A college internship on a résumé will help to get the employers to notice them, but the experiences and job skills they learn will help them land the job they want. Earning money for school and finding a way to get some real experience is a great way to kill two birds with one stone while in college.
Some students believe that a college internship will interfere with schoolwork. In fact, it is usually quite the opposite, as an internship will help them clear their mind of their studies. Coming back to their studies after getting away for a few hours at a college internship will help students clear their …
Student Loans- We Hear About Them All the Time
Actually, taking out loans to attend college has become the norm. The average tuition for a state school sits at $ 23,000 per year, while the average tuition for a private university is double that at $ 45,000 per year.
With the cost of a proper education blasting through the roof, more and more students are forced to take out loans to cover what the university's financial aid package does not. Approximately 75% of students currently in college have taken out students loans, and experts project that students graduating in the class of 2014 will leave school approximately $ 30,000 in debt!
But that's not the worst of it. Despite the rising cost of education, less than 50% of college students will graduate with full-time employment! Because of the lack of financial stability, more than half of the population has to move back home after school.
Thankfully, there are some simple things you can do to minimize your debt .
1. Careful Planning
Tuition is not the only expense. When you're considering your college budget, remember to include all of the factors. Rent (on or off campus), furniture, books, food, toiletries, and emergency funds add up. Formulate a realistic budget for yourself, and stick to it.
Not sure how to go about calculating your true expenses? USnews.com has a great tool to calculate the 'net price' of about 300 colleges:
Super Tip- Urban schools may have more additional costs than traditional campuses
2. Outside Scholarships
Although universities do offer financial aid packages, you should not bank on that as your only source of funding. Full scholarship financial aid packages are rarer than the Hope Diamond, and even partial scholarships financial aid packages are generally reserved for families who fall under the poverty line. To ensure that you'll be able to make up for the bulk of what your package does not cover, apply for as many external scholarships as possible.
Still confused about what's inside your financial aid package? Check out College Board's comprehensive Financial Aid Award Explanation page for more information.
3. Minimize Your Time
With AP exams and programs that allow high school students to take community college classes, it's possible to enter your freshman year of college with a semester's worth of credits! By credits earned in high school, you can save thousands of dollars by graduating a semester (or even a full year) early.
Another way to ensure an early graduation is to take the most credits allowable by the university. Most universities require 12 credits per semester to be a full time student, but will allow you to take up to 18 without an additional charge. But listen to this: Did you know that you are charged for those additional 6 credits when or not you use them? Take full advantage of your tuition money!
Super Tip- Not all colleges accept all AP scores. Before taking the exams, check out the colleges on your list and …
There are several owl pellet activities that can be done prior to, and after, the actual dissection of an owl pellet by a student. Depending on how these activities are approached, the activities can provide an excellent opportunity for all students at all grade levels to engage in hands-on, inquiry based learning in life science, using science as inquiry.
A pre-discussion on the subject should be done prior to the actual activities so students. Background information about birds of prey can be discussed which historically leads to focus more on owls and owl pellets. Part of the discussion should include the use of pellets for scientific study of small mammals and their distribution, which helped map the areas occupied by certain small creatures that might otherwise have escaped detection.
As a pre-activity, groups of students can be asked to do a research on different kinds of owls like the Great-horned owl, barred owl, barn owl, and screech owl. In addition, familiarize students with the keywords such as carnivore, predator, prey, food chain, and food web. The research can be shared in class by the students themselves.
The most exciting and fun activity for most students is the actual owl dissection. Using owl pellet kits in the appropriate level for students will allow them hands-on understanding about the objective of the activity. Students can perform the dissection individually or they can be formed in groups of two's or four's. If they will be in groups, make sure everyone had a chance to perform every procedure.
As a post-activity, ask them to draw a food chain involving an owl and other birds of prey. Alternately, you can also ask them to write a paragraph using the keywords, or have the read a book such as "The Owl in the Shower" which is a fictional story showing both sides of environmentalists and lumbering in the Northwest.
This can be used as a basis for a class debate sharing both views. Because owl pellet activities are mostly hands-on experiences, the percentage of retention is higher because the learning processes were fun. …
Attaining higher education has been a requirement nowdays to be able to have a good career or if not, a good paying job. Those fields such as education, psychology and medicine are among the few. Once you are a degree graduate, you have an edge for professional positions. So should you ask yourself what is the better thing to do after finishing college since you will most likely be faced with serious decisions? Why not considering seeking for job then and still continuing your graduate school?
Yes, you heard me right. You can actually do both. If you have that kind of eagerness to achieve more in life, those two things are as possible to be done. The best is to focus on a particular field and balance your time table while you have a job to keep.
Two categories are present if you will opt to be a degree graduate from an online program. Masters and doctor are those two. The benefit of attending online is that you can still have the time to complete your task in other things. Your classroom will be anywhere as long with internet access. For instance, you can do it with a business trip or while having lunch breaks. That actually depends as to how you manage your time.
With the advent of technology, learning online will give you a different environment and a mode change to your past education. The quality education that every university is offering can still be readily available online.
So think about some ways to continue your education without jeopardizing the chance to still earn. Think of what are those things that remain interesting to you. It would mean taking more of life's opportunities. If you will work on that specific field then you will have a skill that is in-depth.
As for basing that to salary, that is your key benefit. You will have that above the average level compare to those who do not have degrees or undergraduate for that matter. If you are thinking of as to how much it will cost you the true answer is that it may be expensive. You know in the first place that graduate school is something. Of course be aware if your salary can suffice your education.
In the world, there are lots of things that require learning before you ever take the full advantage of such. Let us site the library as an example. Can you imagine the counting of different subjects in there in which it can be studied? You can start to read the book now but in years or months you will still have to deal with reading it. The point is because we can be a lifelong learner if we wanted ourselves to be. To become a degree graduate, for one, will surely give rewards to all your efforts and add an amount of knowledge in which you so pursued of learning. …
Understanding how practitioners may evolve over time can help individuals and organizations to plan for career change and to manage it properly. Since the early 1970s, several life-cycle theories of careers have been developed, partly as a result of psychological examination of adult development. These theories find their roots primarily in the work of Carl Jung and Erik Erikson. Jung wrote a "noon of life" transition from youth to middle life, occurring between the ages of 35 and 40. This noon of life is the "last summons to attain all of one's capabilities." Psychosomatic symptoms at this age and such ailments as depression and ulcers were seen as resulting from the failure to attain goals set during youth.
Erikson suggested that there are eight stages of life, each characterized by the individual's facing and trying to resolve a crisis. He identified the following four adult stages:
1. Adolescence. This is the identity crisis stage. Childhood adaptations are reexamined. The adolescent searches for a new, creative, and independent role through which to contribute to society and derive a sense of meaning and faith.
2. Young adulthood. At this stage there is an intimacy crisis. The individual tries to develop intimacy and sharing with others.
3. Adulthood. Here, the individual faces a generativity crisis. There is concern with others beyond the immediate family. He or she tries to act as a mentor for the next generation.
4. Maturity. At the maturity stage the individual experiences a second identity crisis. There is a sense of near completion. This is a stage of reflection. The individual tries to accept the rightness of his or her life, and of all reality. …
Every one of us makes many decisions every day. Few of them stand alone as "make or break" choices, but in total they determine our career path and quality of our lives.
Despite this fact very few of us take the time to think about how we make decisions, and what prohibits us from doing a better job in this process.
What Are The Impediments To Making Good Decisions?
Let's explore three impediments standing in the way of improving our decision-making abilities that enable us to reach our career goals.
The first roadblock is that we choose the wrong modes for making decisions.
Three Modes For Making Decisions
Dr. Frank Petrock, a management consultant, says we consciously or unconsciously choose one of three styles for making decisions. These are command, consultation and consensus. Each has its own place.
o Command is appropriate when immediate action is necessary, but the issue is not earthshaking. You can count on others to get it done. You, as the leader, say, "This is the answer.
o Consultation should be used when time permits, the quality of the decision is critical and cooperation of others can be assumed. You seek the advice and ideas of multiple players, mull them over and announce a decision.
o Consensus is desirable when the decision must be right and the cooperation of others has to be won. Everyone throws out suggestions; they are discussed and general agreement is achieved.
Any one of these styles can lead to good decisions, but applied in the wrong setting any one can be counterproductive.
Career Tip: Ask The Right Questions.
A second reason we do not make good decisions is that we fail to ask the right questions. What decision is to be made? What are the implications of the decisions? What are the components of the issues? What is the risk-gain ratio?
A third obstacle is that we seek to know more than we need to know to come to a good decision. In even the simplest decisions, there is always an opportunity to gather more data, hear more opinions and get more advice.
People go on looking for more information for various reasons. One is that it is a good way to put off making a decision. More data is fodder for a vivid curiosity. Or calling for more and more input can be the result of an over-cautious manager who is scared of being wrong.
We can become addicted to information. It is easy to fall into the trap of trying to devour every bit of available data. We are deluded into believing that information is knowledge and that knowledge is wisdom that will enable us to make good decisions. We become fast fact junkies. Gathering facts is not making decisions.
The good decision-maker learns to spend whatever time and resources it takes to gather enough information to shift the odds in his favor for making a good decision.
It's good to remember Napoleon's advice about making decisions: "Take time …