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The Average Person Without a Golden Parachute

In the past few weeks the public has been watching the top executives as they strap on their golden parachutes and take a small leap only to softly land on a green field covered with fresh, crisp hundred dollar bills. These executives seem to have no worries or fears as they are quietly jumping away from the problems facing the economy today, collecting their money and planning where to start their new life. 

It is the average person who is being hit the hardest.  With all this talk on Wall Street about banks failing, sub prime crisis, sky rocketing gas prices, the higher cost of living and a new depression emerging the middle man is left to sit and wonder what to do, and where they will get money from to continue with their daily lives.  As for the supporters of the Bush administration, the 700 billion dollar bailout plan was passed and will allow the US treasury to clean up the bank’s balance sheets by buying distressed mortgage-backed securities.  This bailout plan being passed it supposed to give the public hope, but is just a mere distraction and excuse and best way to distract the public to forget about the mess the parachute owners have actually created.

So what is the average person to do in times like today?  Living the life of an average middle class person I have felt the pinch in my wallet.  Before every purchase I have to ask myself twice whether this is a want or need.  Before swiping the credit card I have to think how much I have charged on it and opt to use cash instead.  Instead of enjoying Friday nights with friends and going to movies, I stay at home and make a budget to see where I can cut back on spending. Being an average person and struggling to pay the bills and school tuition, here are a few ideas I came across when doing research.

First, we can make the most of the lighting by making few changes.  Using energy efficient light bulbs will help reduce the electricity being used to produce the light. A lot of us like to leave lights on at night, but for whom?  And why?  Instead, we can use night lights that turn on only at night by themselves and turn off in the day.  They are much cheaper efficient than leaving a big lamp on all night.  And there are no worries of forgetting to turn them off the next morning.

Secondly, cut down your electric bill by reducing your thermostat temperature.  Reducing the temperature at least 1 to 5 degrees at night will reduce your bill.  Sleeping in long pajamas and adding extra blankets will make up for the temperature reduction.  Many households in America already set their thermostats too high and do not realize how much money they are wasting. Also, keeping doors closed to bedrooms will also save much energy as the heat/AC won’t have to continuously run to cool or heat those rooms.

Groceries are an amenity we all need to survive, but there are things we can do to cut down the costs and still enjoy the foods we are used to. The biggest way to save money is by buying store brand instead of name brands.  Store brand products contain the same products as name brands, so the consumer will not be sacrificing taste or quality.  Eating a meal before you go shopping will also help you avoid buying products you do not need.  Many times people go grocery shopping when they are hungry, and buy many un-needed products. So shopping on a full stomach will reduce the chance of impulse buys.

You can also lower your gas costs by not speeding and accelerating your car too fast.  The faster you drive your car, the less gas mileage you get.  Changing your oil regularly can also increase mileage and reduces friction to improve fuel economy.

These are just a few simple tips to help the every day average person.  But, if they are used regularly they will make a difference that you will feel in your wallet.  So while we watch the top executives play in money and attempt to fix the economy, we the middle class can do our part to ensure we save money for rainy days.

Aisha Choudry

Which Is The Best Online College?

Benedictine University has a long standing history of quality education. Originally founded in 1887 by Benedictine monks, the school has undergone several name changes and grown to what it is today. Initially a school to teach Czech and Slovak men, it grew to become coeducation and finally it included a complete curriculum of course work and advanced study. Because of the demand for more flexible education options to accommodate the needs of stay at home parents and working adults, Benedictine University adopted an adult learning program.

An adult learning program is ideal for any adult with restrictions on their time due to professional or family obligations. It enables the student to continue their education in a formal atmosphere, getting all the advantages of traditional college courses. However, learning at Benedictine University is done at an accelerated pace and at more convenient times. This will allow the working adult to fit in classes after work and on the weekends and allow the stay at home parent to study during times the children do not need to be taken back and forth to school.

The classes at Benedictine University for adult learning are designed for adults who have not yet completed their bachelor’s degree. Therefore, the class sizes are smaller and comprised of peers with similar situations. To enroll in the program, each student must be at least twenty four years old and have at least two years work experience. This can be a much more comfortable environment for adults who have life and work experience already. Often sitting in class with students much younger than you are can be uncomfortable. Also, because of life experience, many of the topics covered you may already be knowledgeable on. Sitting through tedious work you are already familiar with can be frustrating and lead to a lack of drive. However, learning among your peers will be motivational.

The flexibility of adult learning at Benedictine University allows the student to plan their course schedule according to their existing time commitments. Because the reality is that sometimes these commitments change, you can design the courses each time to coincide with your personal and professional life. You may also take stop outs if your schedule becomes especially hectic. The modules, or classes, have a staggered year round schedule to accommodate all needs. You may start a module at the time that is convenient for you. You may also design your work load for as many or as few classes as you can handle at one time.

Benedictine University has decreased fees for adult learning to make obtaining a degree more affordable. There is also tuition assistance available from the financial aid center. Benedictine University has a proven record of academic excellence and continues this by developing programs for the needs of all their students. By designing an adult learning curriculum they are able to accommodate the unique scheduling requirements of adults with time restrictions due to personal or professional obligations. No longer does completing a bachelor’s degree have to be a daunting task. Using the flexibility the adult learning program affords, you can get a solid education without sacrificing existing responsibilities.

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Dinghy Sailing with the Canadian Yachting Association

The Canadian Yachting Association’s Learn to Sail standards provide safe, standardized tuition for racing and recreation in sailing dinghies. The introduction comprises White Sail Levels I, II and III. Sailors are introduced to advanced sailing techniques in Bronze Sail Levels IV and V. Silver Sail Level VI and Gold Sail Level VII complete the sylabus, introducing sailors to racing

White Sail Level I – Section 1 covers safety with a look at lifejackets, actions to be followed immediately after a capsize and how to right a capsized boat. And the required items for a sailboat less than 5.5 meters long as outlined in the current Boating Safety Guide. Section 2 is Seamanship, Candidates must be able to tie 4 knots within a certain time and describe their uses. And describe four ways to identify from what direction the wind is blowing. Section three deals with preparation to sail including coiling a line correctly, making a line fast to a cleat and getting in and out of a boat safely at a dock or mooring. Section 4 looks at rigging, attaching sails, rigging sheets and halyards, fitting sail battens and the rudder and tiller, adjusting the centerboard and hoisting sails. Section 5 covers boat handling, firstly identifying the direction of the wind then while underway to keeping the sail just on the point of luffing while on a reach, keeping a boat going in a straight line on a reach for at least two minutes and righting a capsized boat and clearing it of water. The final section deals with securing and derigging, securing by the bow only, by the bow and stern and at a single mooring, in each case using the appropriate size line and knot, and leaving an appropriate length of line. Derigging the boat by lowering and removing the sails, removing and stowing the rudder and tiller, and properly securing the boom and centerboard. Folding and bagging a loose sail. And finally securing all gear in the boat upon completion of sailing. On the completion of White Sail I, the sailor will be able to perform the afore mentioned tasks in wind speeds of 4-9 knots where applicable.

White Sail Level II – Commences with a section on terminology, identifying the various parts of a sailboat pointing out and describing the functions various items in a sailboat, defining certain terms and describe the different points of sail. The second section covers seamanship, candidates must me able to tie a rolling hitch and sheetbend each within 10 seconds and describe two uses of each of these knots. And describe the wave conditions resulting from various speeds of wind. The next section is boat handling, candidates will act as both helmsman and crew while getting underway from, and returning to, a dock, mooring or beach. Act as helmsman and crew, using the proper commands and responses, while beating, reaching, running, tacking, gybing, bearing away and heading up. As a helmsman, stop a boat at a predetermined point by luffing up and as both skipper and crew, right a capsized boat. On the completion of White Sail II, the sailor will be able to perform the aforementioned mentioned tasks in wind speeds of 4-9 knots.

White Sail Level III – A section on safety launches this section with a look at hypothermia and it’s causes, three ways to minimize the dangers and rules on how to treat a mild case of hypothermia after the victim is out of the water. Identification and the meaning of the colours and shapes in the lateral buoyage system. Listing local geographic and navigational hazards and describe the actions required to minimize their effects. Listing three sources of local weather information together with localized weather hazards, how they can be identified, the normal warning signs and the actions to be taken to reduce their effects. Section 2 covers further terminology, various items in a sailboat, the different parts of a sail and the distinguishing features different types of sailboats. Seamanship is section 3 with a look at how to sail away from and back to a beach with an on-shore wind, a dock for various wind directions and a mooring. Section 4 is on the rules of the road for prevention of collision at sea and considers the case of stand on and give way vessels in different situations and looks at some common sense actions you should take when sailing in the vicinity of commercial shipping. There is a look at racing with the sound signals and flags used to start a race and the rules in use while the race is underway. Section 5 is boat handling, students will act as both skipper and crew while sailing a boat away from and back to a dock for various wind directions, away from and back to a mooring and on a windward/leeward course. They will demonstrate how different body crew positions affect the trim and performance of a sailboat and indicate the best positions for three given points of sail. They will get a boat out of irons by backing the jib and main using proper rudder adjustments. Paddle a sailboat a distance of 30 meters (100 feet) without the use of a rudder in a reasonably straight line. They will demonstrate the following towing procedures, proper means to receive, secure and cast off a towline, the correct towing points on a sailboat, the proper securing inboard of a towline to a boat astern and the correct boat trim, steering procedures and crew alertness while on and releasing from the tow. They will demonstrate the actions to be taken if a person falls overboard, with the boat under sail form the time the person falls overboard without warning until the person is rescued. They will helm the boat by the lee for 90 meters without gybing and finally right a capsized boat. On completion of White Sail Level III the beginner will be able to sail confidently and competently in wind speeds of 4-9 knots and perform the aforementioned skills proficiently.

Bronze Sail Level IV – The first section deals with safety and the factors in your local area such as currents, tides and weather which should be considered before going sailing. The three types of flotation commonly found in dinghies and the factors which affect the self-rescuing capabilities of a dinghy And finally a look at chart of unfamiliar waters and identification of hazards and means of recognizing them. Seamanship is the next section and students will demonstrate their ability to whip the end of a line with a plain whipping of appropriate length, make a back splice and an eye splice and heave a 10 metre line to land across a 1 metre diameter target at least 7 metres away, in three tries out of four. The next section is further nautical terminology. Following that is some sailing theory including leeway and its importance on different points of sail. The centre of lateral resistance (CLR) and centre of effort (CE) affect lee and weather helm in theory and practice, weight distribution and centreboard adjustments affect on the CLR, the boat’s underwater shape affects its helm, sail trim, mast rake and position affect the CE and helm, draft (fullness in a sail) is and how it affects the power and the pointing ability of a sail, the use and position of telltales on shrouds and ticklers on a sail. The next section considers sail shape and how the main sail is affected by halyard tension, mainsheet tension, cunningham tension, traveller position, outhaul tension, mast bend, boom vang tension and mast rake. And how the shape of the jib sails affected by halyard tension, sheet tension and fairlead position. The use of outhaul, cunningham, mainsheet, and traveller, while sailing on a beat, a reach, and a run under the following conditions. On the water students will be asked to skipper and crew the boat on various points of sail and tacking and gybing. Carry out a self-rescue after capsizing in a dinghy and carry on sailing with a minimum time delay. Carry out the following tasks without a rudder, sail a course upwind toward a predetermined destination, make at least one controlled tack and settle down to a course to the predetermined destination, bear away or tack and return to the starting position. With sails backed, sail the boat astern to a predetermined destination 90 metres downwind. On completion of this level IV the candidate will be able to understand and apply the basic principles of sail trim and boat tuning for optimal performance in wind speeds of 9-14 knots.

Silver Sail VI is an introduction to racing. Commencing with some sailing theory it looks at how the slot effects the drive of the mainsail under different points of sail, and how the size of the slot should be varied with the wind strength to give maximum drive, how to identify backwinding, and how to adjust the sails to remove or minimize its effect, how the driving forces acting on the sail can be divided into side and forward components, and how these vary for beating, reaching and running and how the resisting forces acting on a boat’s daggerboard/centreboard and rudder act in relation to the sail forces when beating, reaching and running. The apparent wind changes when gusts hit the sails and when waves slow or accelerate a boat and how to steer and trim sails to react to changes in apparent wind and how to correct the effects of the forces which cause a boat to heel. Section 2 looks at the rules of racing as laid down by the CYA and ISAF. Section 3 considers racing signals and courses including the purpose of the Race Committee, the Notice of Race, the Sailing Instructions and the Protest Committee. Section 4 looks at tactics. On the water students will demonstrate as both skipper and crew while beating, reaching, running, roll tacking, roll gybing, bearing away and heading up. Identify signals displayed and sounded by the race committee boat. Demonstrate the ability to be within one boat length or 5 seconds of a starting line at the starting signal in a race situation. Restart, after having been recalled for premature starting, as quickly as possible. Defend a position from another boat while on a beat – by luffing and backwinding a boat attempting to pass until the mast abeam position has been attained and on a reach or run – by avoiding blanketing, by luffing or by assuming starboard tack. Demonstrate how to blanket and backwind a competitor to your advantage while on the same tack on the windward leg of a race course. And finally compile a racing record and log in a dinghy class showing you have completed a minimum of 15 scheduled races, 10 as a skipper in a class consisting of a minimum of five sailboats. On completion of this section the candidate will be able to compete in a race with a sound understanding of the racing rules and perform the afore mentioned tasks in wind strengths of up to 18 knots.

Gold Sail Level VII completes the learn to sail programme and starts with boat tuning for speed and the adjustments that can be made to the mast, sails and rigging. How to control the spinnaker and pole in all wind conditions, on a reach and run. Boat trim and helming techniques which promote maximum efficiency of the rudder and centreboard in singlehanded or doublehanded dinghies. Section 2 covers the rules and candidates will have a thorough knowledge of the racing rules as a competitor, race committee member or protest committee member, The candidate must take charge of a race committee boat and run a club regatta or series of races using all necessary rules and race procedures. Section 3 looks at the preparation for a regatta. Candidates will ensure a wood or fibreglass dinghy is safe, leak proof and strong by testing for and repairing leaks, examining and replacing fittings and rigging, properly covering and storing boat during summer and winter, properly securing boat and equipment for trailer and/or car top transportation. They will ensure the dinghy hull and centreboard rudder are smooth, fair and light by using, fibreglass, epoxy, gelcoat, and other fairing materials, wet sanding or dry sanding and cleaning solvents. The students will maintain a written season plan that includes, a personal racing logbook, performance objectives, regatta schedule and goals, a physical training program, an on-water training program, sport nutrition and mental training, transportation and program administration They will be able to describe the influence on racing strategy of the fleet size, the starting procedures and timing, the course length and location, the finish line placement and time limits, the compass bearing to the windward mark and current/tide. Section 4 covers an assessment of the race course and includes registration and check in procedures, special protest requirements and starting procedures, current, tide and the weather. The next sections considers tactics that apply to starting, mark rounding, upwind, reaching, running and finishing. On the water candidates will demonstrate as skipper a roll tack and gybe, while helming take advantage of appropriate techniques in flat or choppy water, use body weight to maintain proper boat trim and assist steering and adjust equipment and sails. As crew, assist skipper with above tasks and supply compass readings to determine wind shifts and locate marks together with information for tactical decisions. As skipper and crew, prepare and fly spinnaker on a close, beam, broad reach, a run and by-the-lee, apply appropriate tactics on the water in large fleet or small fleet with strong current or tide either with or against the wind, in shifty oscillating winds, persistent shifts, increasing or decreasing winds, either leading or trailing in a race. Candidates must prepare a seasonal plan for competition indicating personal performance objectives, regatta schedule, physical training, on the water training, transportation and administration, nutrition, and mental training. They must have a race record which includes 5 regattas with 2 being outside their local area. On completion of this course a candidate will be able to race a dinghy with moderately good boat speed and control. The candidate will have a well-rounded knowledge of sail theory, racing rules and tactics.

Ken Jones runs a Sailing Site
More information about Courses can be found here
To find an Sailing Course visit the Marine Directory

Five Nursing Specialties That Offer Promise and Excitement

It is no big secret that the upcoming retirement of the Baby Boomers will put enormous strain on the health care industry. While this may not be great times for hospital management, qualified nurses are in high demand and enjoy many job benefits including sign on bonuses, tuition reimbursement, and retention bonuses.


There are hundreds of career avenues for nurses, but here are five career paths that show an especially high social need and can offer nurses both financial and career satisfaction.


When you work as a home health care nurse in private homes, you prepare meals, offer basic bedside care, and emotional comfort. You track vital signs such as blood pressure, respiration, and pulse. You can help family members learn basic nursing tasks.


The average income for a home health nurse is about $35,000 for this nursing position. To work as as a home health care nurse, you need to become a licensed practical nurse (LPN). You can attend a community college or vocational schools for about a year. The need for geriatric care is projected to drive up the demand for LPNs and should offer you good job prospects.


Staff nurses work in all the places you normally think of when you think of nurses like hospitals, clinics, and doctor’s offices. As a staff nurse, you generally work alongside physicians in all specializations. You record medical conditions, treat patient symptoms, perform tests and analyze their results. You also administer treatments and medications. The median salary for a hospital staff nurse is about $53,500 per year.


To open the door to a staff nursing career, you need a registered nurse (RN) certification. To get there you need to earn bachelor of science in nursing degree (BSN) , an associates’ degree in nursing (ADN), or graduate from a certificate programs. With a more advance degree, you have more job options and you are more likely to get a job at a higher caliber facility.


Much has changed since 1902 when school nursing began in the United States. A school nurses’ duties have greatly expanded since then. Today’s school nurse provides health assessment, intervention, and follow-up with students. You ensure the health and safety of the schools staff and students by helping to maintain the school’s compliance with health care policies. School nurses can also refer students for more medical help when hearing, vision, and other issues become inhibitors to successful learning.


Generally, you should already be a Registered Nurse (RN), and ideally, you should also hold a bachelor’s degree in nursing. Furthering a career in this field, a master’s degree in nursing or a MBA in health care will provide you career mobility and offers of policy-level positions. Many school nurses hold not only a Nurse Practitioner (NP) certification, but an Advanced Practice Registered Nurse (APRN) certification.


Help solve crimes by becoming a forensic nurse. If you hold your your RN certification you can begin a career in forensic nursing.. Forensic nurses assist in criminal investigations of accidental death, sexual assault, homicide, and other criminal cases. Then, forensic nurses testify about their findings in court. When specializing in this field, you will spend the least amount of your time in patient contact.


You must hold a current RN certification, and a Bachelor of Science in Nursing degree. Further course work or a degree in law enforcement or criminal justice will offer you an added edge for forensic nurse job openings. Specialized forensic nursing certifications are available online.


If you have an interest in law and if you are a registered nurse you can enter the lucrative field of legal nurse consulting A legal nurse consultant acts as a health care liaison with attorneys, physicians, and other clients. Legal nurse consultants are needed in law firms, government offices, hospital risk management departments, and other health care or legal-related business.


Probably the quickest path into this profession is to earn a legal nurse consulting certificate. Otherwise an RN certification, or ideally a bachelor of science degree in nursing, and a solid educational background in the legal system is necessary to become a legal nurse consultant. Earning a criminal justice degree combined with a degree in nursing will open the doors to employment in the nurse consulting field. If you haven’t already gotten a bachelor’s in nursing, there are accelerated RN-to-BSN program.


The rapid growth in the health care system is opening up many new nursing professions and opportunities. The educational system is adapting by creating courses and degrees to meet the challenges. To help meet the social needs and take part new and advanced career opportunities, continuing your education is a necessity.


There are many avenues from accelerated programs, to online degrees, to vocational schools to help you meet your career goals.


These five nursing career paths are just a few of the hundreds of new nursing specialties that you can explore. With a solid nursing education, you can help meet the social need for more nurses while enjoying great career prospects for a long time to come.

Jeff Morrow writes about employment issues for nurses. Find a community of nurses, all advertised nursing jobs, and many free RN resources at My-Nursing-Career.com.

The How, Where, And Why’s Of Getting An Mba

If you are currently an undergraduate, chances are you have at least vaguely thought about the idea of going to graduate school in the future. You’ve heard stories about the big salary gains or higher level positions behind doors that an MBA can open for you. On average, people with graduate-level or higher degrees earn at least $400,000 more in their lifetime than those who do not1. As a graduated student with plentiful experience in the job market, I would like to sort through all this cluttered information and lay out why an MBA is an excellent idea, when it is more appropriate and beneficial, and which resources are best for funding your advanced degree.

What is an MBA?

A Masters Degree in Business Administration (MBA) is essentially a specialization and much deeper course of learning than what you covered at your undergraduate school. It is centered around the sharing of strategy, very fine technical details, and networking with your fellow graduate students. It can be of general nature, or focus narrowly on one discipline of business: Forensic Accounting, Interactive Marketing, or Quantitative Analysis, to name a few. The length of the program depends entirely on what you intend to be studying, and you can complete an MBA as quickly as one year (full-time), or up to three years (part-time) both on-campus and online.

How will an MBA help me?

In a nutshell, an MBA is your way of saying, “I’m an expert in [your field here].” You have taken the enormous amount of time, resources, and (mental) sweat to earn two or more degrees; basically, you have proven your dedication. A current or prospective employer regards an MBA as a badge of tenacity; you invested several years for this knowledge and it makes you that much more of an asset to their business.

An MBA can be your ticket to an accelerated career. There are a lot of jobs out in the market that list an advanced degree as a prerequisite. Earning an MBA can give you the extra edge you need to qualify for that dream job and catapult you to new levels of higher pay grades, authority, and respect.

In addition, the path to earning an MBA can be just as rewarding as the degree itself. When you take Masters-level classes, you are placing yourself in a room with other very intelligent people; people with interesting and unique perspectives you may not have seen or thought of before. Graduate degrees are a much bigger time and financial investment, so there tend to be fewer social loafers than you probably had to deal with during your undergraduate education (though inevitably there will ALWAYS be a few.)

Another important benefit of an MBA is networking. If networking was not stressed in your undergraduate education, then you are hearing it now and need to memorize and believe in this sentence, “Networking is the most important part of business.” When I say networking, I don’t mean online social networks or information technology — I’m talking about face-to-face, interpersonal relationships. Your personal network is the most valuable thing you can ever build for yourself. You would not believe how many jobs, business opportunities, romantic introductions, and so many other wonderful things are passed between connected people all the time. So, why is an MBA so great for networking? You are surrounded by competent businesspeople who all share a common denominator with you: the desire to learn and get ahead. Make some friends, trade some business cards… you never know who you will meet that will hold the connection to your dream job or be your future business partner.

When should I return to school for my MBA?

The catch with a Masters degree in any business field is that full-time experience is a vital prerequisite to ensure that your application is as robust and compelling as possible. The most important reason for this is the fact that many schools won’t even consider you for a graduate program without relevant job experience. They want a candidate who has spent time in the “real world” and can bring something to the program, not just take away knowledge and skills from it.

The trend lately has been to do your MBA degree straight out of undergrad. As a recent graduate, I have seen first hand how tough the market is and actually advise strongly against this. Weird as it may sound, it may actually hurt you when you finish the advanced degree. Without business experience “under your belt,” a potential employer will look at your resume and give you less credit than they would to someone that had a wealth of experience, but no advanced degree. If you are currently working at a company and decide to do a part-time MBA, it can serve as an excellent career accelerator and potentially net you a raise or promotion when an opportunity becomes available. It is all a matter of balancing experience and knowledge.

Where should I go for my MBA?

To put it bluntly, if you can afford a nationally recognized school, find your specialization, and get accepted… go for the gold! An MBA does several things for you: it opens doors to promotions, higher paying jobs, bestows a measure of respect, and broadens and deepens your scope of knowledge in your chosen field. Therefore, go to wherever you think you will get the best possible experience, connections, and value for your hard earned dollars.

Online schools can be an excellent choice for many prospective students as well, due to their flexible nature. If you are working during the day, an online MBA can be the answer to your dilemma of when you will have time to take classes. In addition, the hybrid classroom* concept has been taking off lately, which can be an excellent learning method if you are skeptical of taking a class entirely online. There are a variety of resources on the web for comparing online degrees and searching for schools; one popular site is Edvisors.com, it has received a lot of traffic and praise for its large database of colleges and degree programs. In addition, GraduateCenter.com has a wealth of information about the entire process of getting into grad school, as well as funding resources, and other useful services.

*A hybrid classroom or course means that it is partially online, and partially a physical class at a school. An example of this would be a class that meets one or two times per week online, and once per week in a classroom for a lecture, lab, or for in-person Q&A sessions with the professor.

How will I pay for an MBA?

Scholarships are a great supplement to your funds for education if you qualify for one. They essentially are free money for use toward your school bills. There are lots of different types of scholarships that a student can earn, and many require an essay or some sort of written application to be considered. StudentScholarshipSearch.com and ScholarshipPoints.com are two great free online resources for finding and earning scholarships. ScholarshipPoints is pretty unique in that you earn and accumulate scholarship points through different online activities (reading blogs, taking surveys, etc.) and can redeem them for entries into a variety of monthly scholarship drawings. As an example, ScholarshipPoints runs a $10,000 quarterly and $1,000 monthly scholarship that are open to any user enrolled in school.

Many people think that the government only gives money to undergraduate students. There are just as many loan options and scholarships for graduate students as there are for undergraduates. If you need to take out a loan, go federal before you go private. Just like you did for your undergrad school, you need to file a FAFSA. For every federal loan, (Stafford, Parent PLUS, and Perkins) there is a graduate version for applicants with demonstrated financial need. Even if you do not qualify for the need-based loans, you will still be offered an unsubsidized Stafford loan that has lower fixed interest (6.8%) than you would be paying on a private student loan. However, in order to qualify for federal aid, your school needs to be enrolled in either the FFEL or Direct Loan program — contact your school’s financial aid department for details.

A private student loan is also an excellent tool for helping to finance your advanced degree. They close the gap between what is awarded to you in federal aid and your total cost of attendance. Although they cost more in interest than federal loans, they are more flexible and can be used for essentially any school-related expense — be it rent for your apartment, paying for tuition, buying books, or any of the other unexpected costs that spring up while you are in school. Gradloans.com is a website that has information on both the federal and private student loan offerings to make finding and choosing funding options a little bit easier.

**

In the long run, earning an MBA will advance your career and help you in your quest for better, more desirable jobs. It can open doors that were previously closed to you, and highlight your success in both academics and business. An MBA signifies that you are educated and have the skill set to excel in your chosen field. Along with the drive to succeed, some street smarts, and a professional demeanor, your MBA can be the yellow brick road to your Emerald City.

1 Data sourced from the U.S. Census Bureau, Current Population Surveys, March 1998, 1999, 2000

Evan Jacobs is a graduate of Suffolk University in Boston, Massachusetts, and a professional working in higher education.


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