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Two Main Concerns Associated With Online Degrees
Two Main Concerns Associated With Online Degrees
In today’s world, the number of graduates who are earning online degrees is skyrocketing. However, there are many concerns related to online degrees.
One main concern is whether the online university is actually certified, authorized, and/or accredited to award degrees to students. Some schools do not meet these requirements. There are also several levels of fraud found in some educational programs and “schools.” These can range from using the student’s work history as the “learning” period that earned the degree to simply selling diplomas. Degrees-R-Us is one such example, promising bachelor’s, master’s, or doctoral degrees in about 10 days, and are willing to show one graduated with honors for a higher “tuition fee.”
Some states like Oregon, Iowa, and South Dakota are starting to crack down on these types of schools within their borders.
To protect yourself, you should check to see what kind of accreditation the school you are considering enrolling in has, or claims to have. Being “licensed by the state” isn’t an accreditation and may not mean anything at all. Some violators claim to be accredited by agencies that either don’t exist, have been created by the school itself, or are legitimate agencies, but have no record of accreditation for the school. Those who have earned degrees from these unaccredited schools are really out-of-luck when it comes to their hard-earned dollars and time because potential employers likely will reject these job applicants and the credits earned from these unaccredited schools cannot be transferred to other universities. In essence, those students have to start all over once again.
Therefore, you should contact the appropriate State Department of Higher Education to see if these schools are accredited or not. If you want to remain on the safe side, take online courses only from schools that have an offline campus presence, as that school’s reputation will be at stake, so the quality of the online program should match the offline program. However, there are strictly online campuses that are accredited and provide a quality education as well, like the University of Phoenix.
Another main concern with online degrees is what type of accreditation is best. The two main types of accreditation are regional accreditation and national accreditation.
While transfer credits from schools that are regionally accredited are generally accepted at both regionally and nationally accredited universities, the same is NOT true for transfer credits that are earned at nationally accredited universities – regionally accredited universities will normally not accept them, meaning you have to earn those course credits again if you decide to continue your pursuit of a bachelor’s degree at a later date at a regionally accredited school after starting your bachelor’s degree at a national accredited school.
Also, while some employers don’t understand the difference between the two types of accreditation, some employers prefer prospective applicants to have earned a degree from a locally recognized university, rather than one in another part of the country. Therefore, if you plan on working in a certain part of the country, it may be advantageous to check out those universities near that area and enrol for their online courses as this could give you an edge in future job interviews.
Being aware of the problems with online degrees will enable you to take steps to avoid and/or minimize these problems so that your online degree will help you gain that good-earning position you’ve worked so hard to achieve.
Bryan Wong is the owner of www.OneStopEducationSearch.com, a website that provides you a unique one-stop-search-service and high quality articles. Visit www.OneStopEducationSearch.com for great tips. Visit our giftshop and get an ebook on Time Management just for stopping by.
Article from articlesbase.com
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Categories: South Dakota Jobs Tags: Associated, Concerns..., Degrees, Main, Online
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The entire Pantages Debate, a conversation between Rick Kupchella of Bring Me the News and Mark Dayton; Rep. Tom Emmer; and Tom Horner.
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Categories: South Dakota Jobs Tags: Candidates, Debate, Entire, Governor, Pantages, theater
Tax Planning – Pay Only What is Due to Uncle Sam
Tax Planning – Pay Only What is Due to Uncle Sam
“In this world, nothing is certain but death and taxes”, wrote Benjamin Fanklin in 1789. If we taking care of our health and be safety conscious, we may be able to outwit death until we are very old. But for taxes, you can’t escape from paying tax since you start your first job, unless you are very poor. Hence, as a taxpayer, you need to have a good tax planning so that you can legally minimize your tax consequences and pay only what is due to Uncle Sam, not more!
Understanding Your Tax Bracket
The more money you make, the more you pay in taxes. Your tax brackets increase as your income increase. In additional, you loss some of you tax advantages, such as exemptions of dependents, that are phased out as your income increase.
Beside the federal government tax which is unable to be escaped for all taxpayers, if you live in state that also taxes you income, you need to pay for state government tax if applicable. There are seven tax-free states in United States: Alaska, Florida, Nevada, South Dakota, Washington and Wyoming. Hence, you should aware and plan in the additional tax rate if you are living at taxable state. For example if you are in the 25% tax bracket for federal taxes and you live in state that has a 5% income tax, you total tax rate should be 30%. Thus, for every ,000 you earn, Uncle Sam has his share of 0 living you 0 to spend.
The dollar amount at which tax brackets occur change every year because of factoring in the inflation which vary from year to year. Hence, you should get the most current tax schedule and use it in your tax planning.
How To Legally Pay Less Tax?
There are many tax exemption and deductions benefits offer to taxpayers. You need to know the benefits that apply to you so that you can get some “discount” from Uncle Sam and pay less legally. The deductions and exemptions if you are eligible will help you to reduce your taxable income. Hence, you should get a good tax planning guide which will help you to understand what are the tax’s benefits apply to you.
While a tax deduction is something you subtract from your gross income to reduce your taxable income, tax credit is another tax benefits that you can utilize to minimize you payable tax. Tax credits are actually worth more to you than a deduction. It reduces the amount of taxes you owe, dollar for dollar. Thus, you better get to know the tax credits that can apply to you. Among the tax credits for you to calculate in, if applicable are:
1. Dependent & Childcare Credit
The dependent and childcare credit is available if you work outside your home or are full-time student. The expenses must be for dependents under age 13 or any person who is mentally incapable of care for themselves and they must be qualified as your dependent.
2. Child Tax Credit
If you enjoy this benefit if you have children being supported by if they are under age 17.
3. Education Credits
There are two types of education credits, the Hope Scholarship credit and Lifetime Learning credit. The Hope Scholarship credit is available for the first two years of college of you kids. The Lifetime Learning credit is not just for kids, you can utilize this benefit if you need to take courses to improve your job skills.
4. Adoption Credit
The adoption credit is based on the cost of adoption a child. These costs include reasonable adoption fees, court costs, attorney fees, and legal fees.
5. Earned-Income Credit
The earned-income credit is the only credit given as a payment. The credit is applicable for low-income families, usually with children.
In Summary
You can not escape from paying tax; this is the price of living in a civilized nation. But you can learn more in tax planning so that you can pay less, legally. Uncle Sam will let you living in peace if you just pay what is due to him and you no need to pay more to make him happy.
Cornie Herring is the Author from http://www.StudyKiosk.com. An informational website on credit basics, tax planning, debt consolidation & bankruptcy. Learn more about money from our Money Lessons.
Article from articlesbase.com
Categories: South Dakota Jobs Tags: Only, Planning, Uncle
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Credit Market: Credit Repair Whiz
Credit Market: Credit Repair Whiz
Predatory lending is in the news again. This time it is not just about mortgage companies offering 100% financing on homes.
It looks like First Premier Bank of South Dakota has agreed to refund .5 million dollar to New York consumers based on illegal and deceptive marketing tactics.
Although a settlement of 4.5 million sounds huge, after every one takes their cut and it get distributed through out the group…the actual settlement could amount to peanuts.
Also, after the creditor pays the settlement, the individuals that were victims of this kind of scam will continue to pay for 7-10 years with their credit score.
Since everything we do today is unfairly linked to the credit score, it will cost these victims more than they think. In case you didn’t know, when your credit score goes down it is a way for the credit bureaus to advertising to the world that you are not creditworthy and you are a risk to do business with.
Creditors have the right to pull your credit regularly to make sure you are still in good standing. So, if you are late or having trouble paying one creditor (say first premier bank), your credit privileges can actually be revoked by other creditors (Sears, Macys, Shell, Discover etc.).
As if that’s not enough…when your auto and / or home insurance become due…that could cost more too. All Insurance companies base your insurance premiums on your credit score. So, if you have a low credit score, you will pay higher insurance premiums.
Lets not even talk about if you are in the military, work for a bank, your job requires you to have a security clearance, applying for a new job, trying to relocate, or want to adopt a baby…
The downfall of the residential mortgage industry is having a significant effect on the credit industry. Because of so many bad loans Wall Street is not interested in investing in mortgages.
As a result, we are seeing a tremendous amount of banks going belly up. As of since the fist of the year 129 banks have gone out of business. You can get a list from MortgageImplode.
Keep an eye on your mortgage lender and if they are in trouble, try buying your mortgage back from them at a discount. If you can raise the funds to pull this off, you will have saved yourself a lot of money in mortgage interest over time.
Credit is not the most exciting topic; however, you must guard it with your life. Especially, since the credit score is so unfairly attached to necessary and mandatory resources.
My advice is to keep an eye on your credit. Check it often. If you discover problems try to fix them. Credit repair is not difficult.
As soon as your score begins to rise…don’t forget to call your auto insurance and ask them to recalculate your premium…you will be pleasantly surprised.
Everyone is entitled to receive one credit report a year, from the three different credit bureaus, at no cost. So, go online AnnualCreditReport and check your credit. If you decide to include your credit score, the company is allowed to charge a fee for the credit score.
Copyright 2007 Michelle Simms “Credit Repair Home Business” at www.CreditRepairWhiz.com
Article from articlesbase.com
Categories: South Dakota Jobs Tags: credit, Market, repair, Whiz
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