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Will You Add? - College: Fast and Cheap, Down and Easy
Planning on buying a printer but wondering which printing technology is right for you? Then read on.What's important here is what purpose you will use this printer for. Will you print frequently or occasionally? Is black and white printing sufficient for you or will you also print colors and possibly photos? First you need to decide if you should get an inkjet printer or a laser printer. Let's look at the features of these two printing technologies.Inkjet Printers can be categorized as 3-color inkjet printers, 4-color inkjets and photo printing inkjet printers. The 4-color inkjet printers are the most popular ones in the printing industry.4-color Inkjet Printers usually hold two ink cartridges (one for black and one for color). Some hold two additional ink cartridges to separate the colors and have one ink cartridge for each color (black, cyan, magenta and yellow).3-color Inkjet Printers are usually equivalent to the
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you
The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. One of its purposes is to help consumers become better shoppers for settlement services. Another purpose is to eliminate kickbacks and referral fees that increase unnecessarily the costs of certain settlement services. RESPA requires that borrowers receive disclosures at various times. Some disclosures spell out the costs associated with the settlement, outline lender servicing and escrow account practices and describe business relationships between settlement service providers.RESPA also prohibits certain practices that increase the cost of settlement services. Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not perfo
Today's College World
Ah, the college years. Sex. Liquor. The occasional lecture hall. A bohemian paradise of education, right? All fun and learning until you get the bill in the mail, for an average of $15,000 per year in today's college world, plus books, living expenses, and even(in most states), taxes.
"That's fine, Joe, my parents pay for it all!" Go suck a camel's nut. No, seriously, stop reading. This guide ain't for you. You piss Joe off.
Still here? Fine. The less privileged among us recognize college as the gateway to something we REALLY want: Money. After all, anybody with MONEY can get all the sex and liquor they can handle. Education is coin, plain and simple. You've got to keep your priorities straight. When a guy (or gal) has been living with a 3/4 empty gas tank long enough, he (or she) really understands the value of a dime, and if you want to make piles of them, a college degree is your must-have ticket.
So how do you think you can do it, smart guy? Got straight As and think you've got a financial plan to bootstrap yourself into the ivy league? Yeah, right.
"Well, Joe, what about getting scholarships?" Glad you asked. Scholarships. Sure, if you can figure out where to apply. Or you could PAY someone to research scholarships for you - plenty of services do this for a fee. You could also drive to Kansas, find a farm, and feed your money to a jackass.
Unfortunately, scholarships also require you to meet qualifications, such as having an exemplary record full of glowing commendations by your peers and civil leaders. Being "a minority" (apparently this means everybody except white males) usually helps. The local "Brotherhood of the Duckbilled Platypus Lodge" might kick you a few hundred bucks, too -- which could cover your share of the rent for a month ... maybe.
"Okay, Joe, but I can also get a grant!" Yeah, if you're poor enough the government might chuck you a few thousand dollars per year. Try going to school on THAT and it'll pay for your college in, oh, about 20 years. Good luck feeding yourself in the meantime.
Not that scholarships and grants are a bad thing, every crumpled fiver will help you enormously when you visit the local Albertson's for a big case of discount ramen noodles, but in today's world of $40-$70,000 colleges, we need something else. What we need are new roads to follow -- college paths for the rest of us.
The Non-Traditional Routes: Fast and Cheap
Fastest way to a degree? Testing. Testing. And more testing, until you are a crowned champion of the multiple choice quiz. Added benefit of testing your way to all or part of a degree? That's easy: money. A $60 proctored exam is cheaper than a $525 3-semester hour (credit) course.
....if, that is, the test were only worth 3 credits. Most are worth more, and the true kings of the college-credit tests are worth a whopping 30 credits each! These two tests are the GRE general equivalency exams and are quite a bit to swallow at any one time.
Here are the tests accepted most anywhere:
CLEP -- College Level Examination Program, probably the most standard batch of tests. Taking the general areas alone will knock 30 credits off your degree. Great place to start. Miss a few test areas, miss a few credits. You still come out ahead.
GRE -- Graduate Record Examinations, come in two flavors, the massive general equivalency tests and the smaller subject area tests. Take the easy subject area tests and watch the credits fall off your degree. You only need to get about 60% of the questions right to pass.
DANTES -- Military folks are already familiar with these tests. The DANTES' DSSTs (DANTES Subject Standardized Tests) are to college credits what a weed-wacker is to a field of fluffy dandelions. Have fun.
You can take these tests at any proctored testing center, found in any populated area. Check your phone book. If you've got a community college in town or in the NEXT town, try there. Got squat? In completely 'rural' areas most schools will allow a priest, military officer, notary public, or other "responsible" individual to proctor a written version of the exam. It's kind of like the honor system. Play nice.
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you c
When I was selling Encyclopedia Britannica door-to-door many years ago, it was an obligatory part of the job to ask for referrals. And I hated it. It made me nervous and shaky just to think of it. Is this how you feel too?I hated to ask for fear I was imposing on my prospects, or even destroying my chances of a sale, so I left it almost until I was out the door, like an afterthought. As I didn’t make many sales, I didn’t seem to get many referrals either, which made matters worse. And because I didn’t get many sales I feared that I may lose what sales I did get if I asked for referrals.And yet referrals can be the very best prospective customers you can get, and the very cheapest way of getting them. Every business, every salesperson, needs a constant source of qualified referrals.Do you hate asking for referrals? Does it make you uncomfortable just thinking about asking for referrals? Would you rather pay a visit to the de
"Well, Joe, what about getting scholarships?" Glad you asked. Scholarships. Sure, if you can figure out where to apply. Or you could PAY someone to research scholarships for you - plenty of services do this for a fee. You could also drive to Kansas, find a farm, and feed your money to a jackass.
Unfortunately, scholarships also require you to meet qualifications, such as having an exemplary record full of glowing commendations by your peers and civil leaders. Being "a minority" (apparently this means everybody except white males) usually helps. The local "Brotherhood of the Duckbilled Platypus Lodge" might kick you a few hundred bucks, too -- which could cover your share of the rent for a month ... maybe.
"Okay, Joe, but I can also get a grant!" Yeah, if you're poor enough the government might chuck you a few thousand dollars per year. Try going to school on THAT and it'll pay for your college in, oh, about 20 years. Good luck feeding yourself in the meantime.
Not that scholarships and grants are a bad thing, every crumpled fiver will help you enormously when you visit the local Albertson's for a big case of discount ramen noodles, but in today's world of $40-$70,000 colleges, we need something else. What we need are new roads to follow -- college paths for the rest of us.
The Non-Traditional Routes: Fast and Cheap
Fastest way to a degree? Testing. Testing. And more testing, until you are a crowned champion of the multiple choice quiz. Added benefit of testing your way to all or part of a degree? That's easy: money. A $60 proctored exam is cheaper than a $525 3-semester hour (credit) course.
....if, that is, the test were only worth 3 credits. Most are worth more, and the true kings of the college-credit tests are worth a whopping 30 credits each! These two tests are the GRE general equivalency exams and are quite a bit to swallow at any one time.
Here are the tests accepted most anywhere:
CLEP -- College Level Examination Program, probably the most standard batch of tests. Taking the general areas alone will knock 30 credits off your degree. Great place to start. Miss a few test areas, miss a few credits. You still come out ahead.
GRE -- Graduate Record Examinations, come in two flavors, the massive general equivalency tests and the smaller subject area tests. Take the easy subject area tests and watch the credits fall off your degree. You only need to get about 60% of the questions right to pass.
DANTES -- Military folks are already familiar with these tests. The DANTES' DSSTs (DANTES Subject Standardized Tests) are to college credits what a weed-wacker is to a field of fluffy dandelions. Have fun.
You can take these tests at any proctored testing center, found in any populated area. Check your phone book. If you've got a community college in town or in the NEXT town, try there. Got squat? In completely 'rural' areas most schools will allow a priest, military officer, notary public, or other "responsible" individual to proctor a written version of the exam. It's kind of like the honor system. Play nice.
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you
Life insurance quotes are available from multiple sources that are quite diverse. Some of these resources include online resources, insurance agents, insurance companies and insurance brokers. It is important when we are in need of insurance that we obtain reliable insurance quotes from reputable insurance companies and sources.The life insurance quotes that are available online have a degree of credibility but it is essential that further inquiry be done into the quotes provided before signing up at first glance. This can be done by the creation of a listing of the top five providers of the service you require and then by moving through the list and narrowing down your search according to this. This is a sure fire method to reduce the likelihood that you are scammed and to ensure that you attain good value for money.Insurance agents can be good sources of life insurance quotes as well but they are often affiliated with single insu
Not that scholarships and grants are a bad thing, every crumpled fiver will help you enormously when you visit the local Albertson's for a big case of discount ramen noodles, but in today's world of $40-$70,000 colleges, we need something else. What we need are new roads to follow -- college paths for the rest of us.
The Non-Traditional Routes: Fast and Cheap
Fastest way to a degree? Testing. Testing. And more testing, until you are a crowned champion of the multiple choice quiz. Added benefit of testing your way to all or part of a degree? That's easy: money. A $60 proctored exam is cheaper than a $525 3-semester hour (credit) course.
....if, that is, the test were only worth 3 credits. Most are worth more, and the true kings of the college-credit tests are worth a whopping 30 credits each! These two tests are the GRE general equivalency exams and are quite a bit to swallow at any one time.
Here are the tests accepted most anywhere:
CLEP -- College Level Examination Program, probably the most standard batch of tests. Taking the general areas alone will knock 30 credits off your degree. Great place to start. Miss a few test areas, miss a few credits. You still come out ahead.
GRE -- Graduate Record Examinations, come in two flavors, the massive general equivalency tests and the smaller subject area tests. Take the easy subject area tests and watch the credits fall off your degree. You only need to get about 60% of the questions right to pass.
DANTES -- Military folks are already familiar with these tests. The DANTES' DSSTs (DANTES Subject Standardized Tests) are to college credits what a weed-wacker is to a field of fluffy dandelions. Have fun.
You can take these tests at any proctored testing center, found in any populated area. Check your phone book. If you've got a community college in town or in the NEXT town, try there. Got squat? In completely 'rural' areas most schools will allow a priest, military officer, notary public, or other "responsible" individual to proctor a written version of the exam. It's kind of like the honor system. Play nice.
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you
While secured loans are the obvious choice for homeowners, there exists an option for non-homeowners too. The option is that of unsecured loans. As is apparent from its name, an unsecured loan is a form of credit that is not backed by collateral. In other words, an unsecured loan doesn’t demand any security from you.This loan is usually availed by tenants who do not own a home and hence cannot offer collateral. Even homeowners who do not wish to put their homes at risk can take this loan. There are various facets to unsecured loans that make them a favourable proposition. The chief among them is the fact that unsecured loans get approved a lot faster than secured loans. This is because unlike secured loans; you do not have to get your property valued, as is the case of unsecured loans. This not only saves time but also eliminates the need for paperwork, which is so integral to secured loan processing.e.
Here are the tests accepted most anywhere:
CLEP -- College Level Examination Program, probably the most standard batch of tests. Taking the general areas alone will knock 30 credits off your degree. Great place to start. Miss a few test areas, miss a few credits. You still come out ahead.
GRE -- Graduate Record Examinations, come in two flavors, the massive general equivalency tests and the smaller subject area tests. Take the easy subject area tests and watch the credits fall off your degree. You only need to get about 60% of the questions right to pass.
DANTES -- Military folks are already familiar with these tests. The DANTES' DSSTs (DANTES Subject Standardized Tests) are to college credits what a weed-wacker is to a field of fluffy dandelions. Have fun.
You can take these tests at any proctored testing center, found in any populated area. Check your phone book. If you've got a community college in town or in the NEXT town, try there. Got squat? In completely 'rural' areas most schools will allow a priest, military officer, notary public, or other "responsible" individual to proctor a written version of the exam. It's kind of like the honor system. Play nice.
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you
Dental Insurance If you are concerned about dental costs, then you probably have considered either dental insurance or a dental discount plan. Dental insurance comes with copays, deductibles, waiting periods for major dental work, and often, a specified yearly maximum that the plan will pay. If you are considering dental insurance you will want to be sure you understand how your plan works before you purchase, so you will be satisfied when it comes time to pay your portion of your bill. The premiums for dental insurance will be higher than they will be for a dental discount plan as well. Of course, the advantages of buying dental insurance is that, according to the policy, it will actually pay a portion of your bill, and will often provide for very cheap or reduced yearly checkups, cleanings, and x rays.Types of Dental Insurance The dental insurance plans that I see generally come in three flavors: network HMO, network PPO
Need to know what tests to take? Keep reading.
Cheap college: Think DETC (http://www.detc.org/) approved schools. Many of these schools have extremely cheap credits (on order of $50 bucks a credit). Check 'em out and fill in the gaps in your education. One good key is to look for schools approved for VA (veteran's) benefits -- these "discount" schools are often a cut above the rest. Caveat: Buy beware! Many school's DETC credits cannot be transferred to another institution. Do your homework first and give your "finishing school" a call to make sure they'll accept you and your discount education.
Players You Should Know
The biggest supporters of the fast and cheap methods are the finishing schools - the places that actually issue your degree. Once you've scrapped together all the credits you can from every place you can think of, these are the schools to take them to and cash them in (no residency requirements or pesky entry tests here, folks). Collectively, they're known as The Big Three: Thomas Edison college in Jersey, Excelsior (formerly Regents) college of New York, and Charter Oak of Connecticut. Not sure which tests to take? Start with the general education requirements (usually around 55 credits) that are standard to all degrees. Your degree will tell you what you need.
For example, take a basic list of requirements for a BA from Thomas Edison College (http://www.tesc.edu/prospective/undergraduate/degree/ba.php) and find tests which fulfill them, such as the Humanities CLEP, DSST Art of the Western World, and DSST An Introduction to the Modern Middle East for the 12 required humanities credits. Three afternoons, $180, and $1920 or more saved -- not even counting the saved time.
For other requirements, see the B.A. Major Area of study PDF files (ie. the economics PDF for a major in economics from T. Edison) that will tell you exactly what courses you need to test out of for your degree. All schools provide similar degree requirement lists. Pick your winner.
The Scams...Don't Get Burned
There's a whole industry out there waiting to cater to the guy/gal who thinks an accredited degree is out of reach, and two main types of customers -- those who pay somebody else to do it, and those who do it themselves. We have a word for the first group: Suckers. Here's the word for the second: Con-artists.
The suckers do searches online for fake degrees and usually end up someplace like Rochville, Belford or Almeda browsing fees.
Note that these places do not come right out and say they're selling fake degrees. What they're selling is "alternatively accredited" degrees -- ie, degrees accredited by some institution (such as the IAOUU, UCOEA, or the AOAEx) that is by no means approved of by the United States' (or anybody else's) government, or even degrees that are simply "life-experience" degrees. WTF is that? If an employer cared more about your "life-experience" than a piece of paper, people wouldn't need to go out and fake one in the first place.
Keep away from anyplace that isn't properly accredited. All they want is your money, and all you'll get is a piece of paper worth LESS than the ink it's printed on.
The Military Option: Nuke 'em All Join the military for four years. Get the GI Bill. Get your college degree. Just like your author. Smooth like Joe, baby. All the best!
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