The Wide World of (resilient learners) Adult Education
No commentsBy Dorian Ramsey
Adult education involves the training and development of adult individuals in certain vocations or subjects for a variety of reasons. Adult education is not the same as the traditional education of young individuals due to the methods that are employed in order to capitalize on the accumulated knowledge and life experience of the adult individual. Because of these factors, adults can use what they know to add depth to their educational experience, and have a better understanding of how to apply it to their current life situations. Though often done in the workplace as training and development, or in a classroom setting for continuing education or basic education, it is becoming more and more common to see enrollment in online adult education programs. This method of training is a valid and convenient way for individuals to improve job skills, complete their educations, and stay in touch with new advances in vocational fields.
Often, employed adults enroll in adult education courses in order to reinforce knowledge in a career field, gain new skills for promotion or a new job, or to fulfill requirements set upon them by employers or licensing bodies. Online adult education programs give adults the opportunity to remain employed full time while fulfilling these professional requirements or learning new skills for career opportunities at their own pace and leisure, without having to commute to a classroom. This method of continuing education is especially helpful for those with family commitments in addition to job obligations.
There are other reasons that adult individuals might take advantage of online adult education programs. For example, an individual might find that dropping out of high school and not earning his diploma was not the best decision and has had trouble keeping stable employment. In this case, he is able to enroll in an online General Educational Development (GED) program, which will help him to fulfill the requirements he needs to get his high school equivalency. With a high school diploma, an individual can go on to college and earn a college degree, which will give him many more professional opportunities. Individuals can also learn basic computer operation skills, which will enable them to take on more job responsibilities.
Another type of adult education program available online is that kind which provides instruction in ESL (English as a second language). This is particularly useful for individuals that are new to the United States. They can learn the English language in a relatively short period of time, which will give them the ability to apply for jobs and function and communicate in American society, as well as study for the test to grant American citizenship.
For individuals that work in professions that require certifications or licenses in order to remain employed in that field, online adult education programs are very valuable from a time and convenience standpoint. This form of continuing education is often required by either the law or by an individual’s employer in order to develop and maintain skills that are applicable to the vocation. This type of training also helps individuals remain current on advances or improvements within a field. Such types of certification and training include computer programming, management training, and equipment and procedural training for lab technicians and other medical professions, equipment operators, or engineers. Higher-level professionals such as pharmacists, educators, physicians, and nurses are also often required or encouraged to take part in some type of continuing education. This guarantees that a certain level of competence is maintained and that a professional’s knowledge is always tested in a given field of practice. Having the opportunity to complete this instruction in an online adult education program is very helpful to professionals that have very busy work and family schedules, because they can take advantage of the flexibility of the approach, and do class work in their spare time.
Adult education gives many different types of individuals the opportunity for self-improvement and career advancement. Whether an individual is seeking to earn his high school diploma for more lucrative job opportunities, or for a new resident of the United States looking to learn the English language so that he can gain employment and become a part of the American culture, or for an employed individual who is required to renew a license or gain additional training for his job, adult education is a powerful tool. And taking advantage of the many online adult education programs helps people fulfill their professional requirements while not sacrificing their current way of life.
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Credit Cards for College Students
By Dorian Ramsey
Students - Do you know what your credit card is truly costing you and how you can save money by making an online student credit card application for a card with a lower interest rate?
Many students take out a student credit card without being aware of the hidden fees that many credit card companies are charging. In fact, if you don’t keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year-without ever really knowing it!
And if like most students money is tight and you’re trying to live to a budget, those hidden fees can add up! Let’s take a look at some of the most common credit card fees, and then talk about how you can avoid them.
Grace Periods
In the past, we could always count on grace periods before we ever had to start paying interest. For example, if we charged our card to the limit, and could get it paid off before the grace period expired, then it would be like a free loan-we wouldn’t have to pay any interest.
Unfortunately, the credit card companies are making this harder and harder to do. For starters, many of them have reduced the traditional 30 day grace period to 20-25 days.
If you hold a credit card, but didn’t realize this, then you’re likely paying interest without even knowing it! What’s worse is that more and more credit card companies are eliminating grace periods altogether. That means if you charged lunch today at noon, at 12:01 pm, you would be already paying interest on it.
How about your credit card? You need to take a close look at the fine print and find out what kind of grace period you have. If your credit card company has reduced it significantly, or eliminated it altogether, you should seriously consider canceling it and getting a more user-friendly card.
Late Fees
When is the last time you checked to see what amount your credit card company charges you for a late fee? The truth is that these fees have doubled in just the past ten years, and that, combined with the reduced grace period, means that the credit card companies are raking in a lot of dough on late fees!
If it’s possible, you should try and send off the check (or electronic transfer) the day that you receive your credit card bill. There are three reasons why it’s important never to be late. The first is obvious; you will want to do everything in your power to avoid a hefty late fee. Next, if you are late, it will likely be reported to the credit agency and you will have a bad mark on your credit report. The third is the direst, and we’ll discuss it below.
Interest Rate Hikes
Did you know that if you are late–even one time-on your credit card payment, the company will in all likelihood raise your interest rates? That’s right; one late payment gives them the right to do it. What’s more, that isn’t just limited to your credit card payment. Any late payments from any lender that show up on your credit report gives them the justification to raise your rates, so be careful!
Key Tips For An Online Student Credit Card Application
Stop paying high charges and interest rates. Find a 0 apr student credit card and look for introductory periods of 12 months for balance transfers and purchases. You should also be able to find a student credit card options with rebates on gas, grocery and other great rewards.
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Friday, February 26th, 2010 at 12:55 am and is filed under education. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
