Online Education Graduate Degree

Statistics from the U.S. Census Bureau reveal that a person who holds a graduate or master’s degree can expect to earn about $55,000 per year. People holding a bachelor’s degree can expect to earn around $46,000 per year. The average benefit for holding a graduate degree can raise a person’s income about $225,000 over a period of 25 years. This rate of return clearly shows that it is a solid investment to pursue a online graduate degree. Online education graduate degrees enable busy adults to attain a higher education while still maintaining employment to earn a living.

Requirements to Pursue an Online Education Graduate Degree – To earn a graduate degree online, students need to be well-organized self starters who can manage their time and review course material independently. Online students also need full access to a computer with a 56 kbps modem or better, with Internet service and virus protection. Students attending school online should be able to use email and basic Internet functions to communicate with professors and take online exams. Online education graduate degree programs are delivered in a web-based format that is available 24 hours a day for the convenience of working students seeking success.

Validity of Online Education. In the 1994 study of R. Clark, and in the Pew Learning and Technology Study ‘Innovations in Online Learning’ by Carol Twigg in 2001, they concluded that if the online course was designed with the same rigor as one taught in a face-to-face environment, the outcome is likely to be equivalent. Further, the standards for undergraduate education are defined by the Seven Principles developed by Chickering & Gamson (1991). These seven principles were updated to show how to implement these ideals in online education (Chickering & Ehrmann; Graham, et al. 2001). In 2002, the Ohio Learning Task Force issued a report that recommended principles derived from Chickering & Gamson were to be used to design, approve, assess and review all courses, whether in person, or online, or a blend of both. The Seven Principles a) encourage contact between students and faculty; b) encourage active learning; c) encourage cooperation between students; d) give feedback promptly; e) communicates high expectations; f) emphasizes time on task; and g) respects diverse ways of learning and talents. Therefore, online education graduate degrees follow the same criteria as those earned at a physical college campus, so they are equally viable.

Cost of Online Education. Getting an online education graduate degree can be more affordable than attending a physical college campus because there are no costs for transportation or housing. In 2004, an online resource site took a sample size of 120 online master’s degree programs and found that the cost for education could range from $2,760 to $110,000 for an accredited degree. However, graduate degree students can explore several options for tuition assistance, including:

Tuition Reimbursement. The National Center for Education Statistics found that almost 20 percent of all graduate students receive aid from their employers. Potential online education graduate degree students should consult with the human resources director of their company about tuition reimbursement programs and company scholarships they may qualify for.

Labor Unions. Over 60 labor unions, through 38,000 national chapters, offer $4 million dollars in educational financial aid. If a student belongs to a union, the web site at can offer leads to Union-Sponsored Scholarships and Financial Aid.

Financial Aid. There is even state and government financial aid available for certain distance learning programs. The free government aid directory at can help students locate resource centers in their state and offer information about financial assistance to pay for college.

Loans. There are government-backed Stafford student loans that typically carry the lowest interest rate. For example, the interest rate for a Stafford education loan in 2003 was only 3.42 percent. Students seeking Stafford loans should consult the free annual publication, the Student Guide to Financial Aid. Private student loans are also offered through finance companies such as KeyBank or Citibank, but they usually charge higher interest rates and require students to pass a credit check.

Tax benefits. There are also significant tax benefits available to online education graduate degree program students. Interest on student loans may be tax deductible during the first 60 months of the period to pay them back. Eligibility for this tax benefit can be determined by checking the IRS Publication 970: Tax Credits for Higher Education. Further, under the Lifetime Learning Credit, students may be eligible to deduct up to 20 percent of the first $10,000 of graduate tuition from federal taxes. Also, some or all tuition expenses may be deducted if an employer requires additional education to maintain the student’s current professional status. Students can review IRS Publication 970 for guidelines, or consult with an accountant to see what portion of tuition for college can be deducted from their taxes.

When a potential student considers the ease of earning an online education graduate degree, along with the improved financial status as a result of attaining this degree, it is clearly a wise decision to pursue virtual learning.

Cost-Effective Way to Produce Finance Auto Lead Quickly

When it comes to buying a car, basically two streams of people are to be found – there are potential car buyers who are well-off while the rest may not be so. They need to apply for a loan to purchase a car of their choice. A finance auto lead means an individual with a bad credit score. It is the responsibility of an auto dealer to turn a potential lead into a loyal customer.

Generation of leads needs utmost dedication and sincerity. Not all dealerships can handle such tasks with care. It is because of this fact that they seem to fall behind when it comes to generating of maximum leads to achieve the target. Besides, a dealer’s marketing team may not be that smart to handle potential leads resulting in the leads being captured by another dealership. Car leads can be efficiently generated and tracked by a professional lad generating company.

These companies are known to send quality leads to their clients. It goes beyond saying that unless a professional company produces effective leads, the dealers will not continue doing business with the concerned company and will look for another organization who has the reputation of producing the highest quality of leads in the marketplace.

There is high competition in the automotive market to capture as many leads as possible. Under such circumstances, the dealership that uses outdated marketing methods will be left behind the others. Thus, you need to be really smart to adopt the best of marketing tactics to arouse the interests of a maximum number of car leads.

There is stiff competition amongst the professional lead generation companies to offer comprehensive services to the car dealerships. To attract a large number of clients, lead generators are seen offering the lead tracking and management services at a cost-effective rate. Highly effective finance auto lead is produced in record time.

They use the social media to create a stir amongst the target audience attracting them toward their social media profile page. However, to compel the audience to stay on the page for a long period of time and also visit the page over and again, the page should have an interesting content along with attractive images, videos, and hyperlinks.

The majority of auto leads company maintain multiple websites for capturing the potential car buyers. The sites contain an online inquiry form where an individual with a query enters his personal details plus the series of queries he /she has in the mind to get their answers. The data that is entered gets stored in the lead generation company’s database. The officials of the company can access the database, 24 hours for documentation purpose.

An important aspect of the lead management system is differentiating the bad leads from the effective ones. For example, people who have given an invalid phone number or a wrong email address are the ones who appear to be not interested to purchase a vehicle from your showroom. In this case, a lead generator removes their names from the leads list. The effective ones instantly respond to your calls or emails.

Currency Trading Explained

If you have some basic knowledge in finance or economics, it can be a lot of help if you want to get into the business of foreign currency trading. However, based on available statistics, there are many who don’t have any finance or economics background who became successful traders. What they did was to take a few online video courses about Forex Currency Trading and with the aid of a mentor are now enjoying a supplemental income. It is therefore advisable for anybody who wants to go into business to get some crash course and study the feasibility of this endeavor. To start with, you need to get some foreign currency trading explained in its simplest terms.Currency trading is an international market and the volume of daily transaction all over the world is a mind boggling and whopping $2 trillion plus. When you become a trader, what you do is to buy and sell different currencies, usually by pairs. If you are able to buy a currency versus another at a certain price and then sell it at a higher price, the difference is your profit. That is how simple it is to understand. Of course, that is the concept in its simplistic term. But if you want to make it a serious business, it is advisable for you to trek the steps to gain skills, know-how and experience to be successful. First, know the basics and then proceed from there.There are some fundamental terms about Forex that you should be familiar with like standard and mini account, spot and forward contract, bid and ask price, bid currency and quote currency, base currency and counter currency, margin requirement, trading platform, currency pairs, pip or percentage in points, spread, open loss, stop loss, leverage, etc. You need also to be aware of what is happening with current international exchange rates. The world’s most traded currencies are the USD (United States Dollar), CAD (Canadian Dollar), EUR (Euro), GBP (British Pound Sterling), AUD (Australian Dollar), JPY (Japanese Yen), CHF (Swiss Franc), SFR (South African Rand) DEM (Deutsch Marks) and NZD (New Zealand Dollar).Your goal in trading is to make a profit based on fluctuations in currencies you buy and sell. Trading is usually done online wherever you are with access to the internet. Here are the central cities in the world where currency trading is handled. They are in the United States, England, Japan, Germany and Australia. Every time you trade in currency pairs, you should try to get hold of all important and relevant data about the two currencies making up your transaction.Wisdom dictates that proper risk management is essential and critical in the currency trading business. Some beginners get into currency trading simulation first through a demo account. They invest a reasonable amount of money to enroll in some foreign currency training courses being offered online. If you are serious in making a difference in your financial life, learning from the professionals with proven track record and experience is a wise decision. Others have good testimonials about the E-Toro Foreign Exchange Currency Trading Platform. There are many training and educational resources you can tap if you spend enough time in research online and offline.Even as a beginner, you can easily appreciate some of the features of the currency trading market. It is not like a stock or future exchange. There is no place restriction. Trading is not regulated by any centralized exchange like the stock exchange. You do not have any clearing house or arbitration panels. Buy and sell is done by agreement or in the form of a virtual handshake or an online nod. The currency trading market is a bit predictable. Always keep updated with what’s happening all over the world through the networks. With its gigantic trading volume and coverage from the United States to Europe, Australia and Asia, the foreign currency trading market is one of the most dominant financial markets anywhere in the entire world. You can aim to become a successful trader and be a part of this global trend by first having the business concept of currency trading explained to you.

Playing Online Poker For a Living – 4 Simple Tips That Can Help You Play Cards For a Living

Card game addicts can soon start dealing out cards no matter where they are, before you could even say “Indiana Jones”. These people love this game, and no matter what, they will always find a plain simple excuse to play it. Some play online for a livingIf you are quite in their league too, it is no wonder if your fingers itch all the time to try out your luck and fortune at the card games. Well, the solution to itching fingers is only a few clicks away. You can find many web sites where you can play poker online and also win money if you are a host to good fortune and tricky skills.Card players find it easy to play card games online, since here, the ambience is quite relaxed and quiet. You never know with whom you are playing. It could be an old man or woman, or a child as well! But one thing is for sure- here no one will be able to peep and have a look as to whether you have a winning hand or not. Here, no one is there to rush you, no one to call the shots but you. But even though this seems as if the rules here are quite easy and relaxed, actually, they are not. You have to abide by certain laws which if you neglect, will result in your disqualification.o Before you start to play, you must try to decide if you are willing to play poker for your entire income. To do this, you will have to look back at the games that you played in the past, and how you handled your bankroll after a big win. Did you jump into the stakes or invest your winnings?o Then again, if you had never the chance to see so much money while playing poker, but lost about ten tournaments in a row, you have to remember what your action was. Did you move down or up in stakes? These reactions of yours are necessary to judge whether you will be able to make a living on poker.o The main trick is not how much money you win, but how you win it. When you do not have a winning hand, you have to see that you lose very little of cash. But when you have the best hand, you have to try to call the right shots at the right time to milk in a lot of money out of your opponent’s pockets. To maneuver the game carefully you have to assess the situation accurately and rely on your gut instincts.o Another key skill that you need to hone is patience. You might be able to rely on your instincts, and make quite sharp decisions at the crucial moments in the game; you might be able to calculate thoroughly the result of every move of every player around the table; you might be able to tighten your purse strings when you have no winning hand, and get the best odds to win the most when you turn out to be the lucky one, but there is still a chance that someone might come about and upset your plan and shatter it to rubbles. During these times, it is necessary that you do not lose your head, but start to build another plan, so as to win back what you have lost.These rules will help you to get to the very peak where you can earn a lot of money, and there will be no stopping you as well. Remember, rules are important in a game, so that you do not get disqualified, and you can always use them to your advantage.