The Next Big Bubble Burst – Higher Education and Student Loans

Not long ago, an acquaintance asked me what I thought the next economic or industry bubble to burst. I had to mention healthcare, but I also explained how we were really on a mad tear down a dead end road with regards to college costs and college loans. Let’s talk shall we?

The Senatorial Committee Hearings on Federal Student Loan Program in late March 2014 were quite telling. Many Democrat Senators would not hear any of the reality to the default rates or trending challenges, instead they wanted to separate real-world banking, financing and lending expert advice for a notion that lending money to poor students regardless of their ability to repay would better help close the “inequality gap” but the truth is that economically enslaving the poor students with unbelievable debt for their college degrees, many of which will not be helpful in the job market when they graduate is quite insidious indeed.

One Republican made note of the need for skin in the game, and many giving testimonials explained how part time students were taking out loans in excess of full time students, using the money to pay bills or buy a new car, even though they were already on other social programs, perhaps single moms who may not be able to work even once graduated due to their mother duties. There was testimony about how many dropped out of school, never got their degree and were then defaulting. All the while tuition costs are skyrocketing and raising the price of the education and the amount of the loan.

The Senators wanted to reduce the collection agency calls to help collect on the 10s of millions of bad loans which are in default or over 90-days now. Last time this was an issue in our political conversation was during the 2012 Presidential Election. What has changed since then? Nothing, well that’s not really true, things have gotten worse, the default trend lines are continuing. One Senator a Democrat from Washington State noted that what we need is Financial Literacy and Loan Counseling. Sure, that makes sense, but most left-leaning colleges do not teach free-market economics, amortization, personal finances, budgeting, or even how to balance a friggin checkbook.

It is quite obvious right now that we have a fundamental ideological problem with these Federally Guaranteed College Loans and Federal Direct College Loan Programs. This problem is exactly what happened with the Housing Crisis, it’s about political agendas, not about financial reality. Might I say; here we go again, and this time it’s not like no one didn’t warn us. The writing is on the wall. Please consider all this and think on it.

Lance Winslow has launched a new provocative series of eBooks on the Future of Education. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank;

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Planning to Embark on a PMP Exam Preparation Course? Educational and Experience Requirements

At some point in your professional life, you might want to secure a PMP certification from the Project Management Institute (PMI). Your reasons for doing so might include career advancement, employer requirements, or new knowledge. Whatever your reason, you have to assess your educational and experience history even before you think about engaging in a PMP exam preparation course.

Educational Requirements

You can take the PMP examination, and engage in a PMP exam preparation course for that matter, if you possess either a high school diploma or a baccalaureate degree, or their international equivalents. In a sense, being a successful and certified project manager does not only boil down to higher education, but more importantly to higher motivation.

A high school diploma is generally defined as the certificate evidencing that you have completed high school. As you well know, it is the minimum educational requirement for government jobs and higher education. For PMP exam preparation course purposes, the successful completion of the General Education Development (GED) tests is its international equivalent. If you have a GED certification, you are deemed a high school graduate in the United States and in Canada.

A baccalaureate degree (or a bachelor’s degree) pertains to two things: first, it is an undergraduate degree usually designated as either Bachelor of Arts or Bachelor of Science, with majors in specific areas; second, it is a postgraduate degree like Bachelor of Civil Law.

Indeed, securing a PMP certification is very liberal. Well, at least where educational requirements are concerned. The experience requirements are another, and more stringent, matter.

Experience Requirements

Since there are two types of educational thresholds, there are also two corresponding experience requirements that you have to acquire before you even think about embarking on a PMP exam preparation course.

If you have a high school diploma or its international equivalent, you will need a minimum of five years’ (60 months) experience working as a professional project manager. During this time, you should have worked a minimum of 7,500 hours on leading and directing the projects’ tasks. These hours must be logged up to eight years’ from the time your application for certification is filed.

If you have a bachelor’s degree or its international equivalent, you will only need a minimum of three year’s (36 months) professional project management experience. You will also need lesser hours logged – 4,500 hours only – on leading and directing project tasks.

However, you have to note that for both instances, the working experience should be unique and non-overlapping projects. If you have two projects going on at once in the same six months, you can only add on six months’ experience towards the total.

However, the hours spent directing and leading project tasks work inversely to the months logged. If you have multiple projects going on at the same time, you can recognize the number of hours worked for each project and add them to the total number of hours required.

Contact Hours of Formal Education

There is also an additional requirement for 35 contact hours of formal education, which you can secure from various sources. The easiest way is through a PMI Registered Education Provider through its PMP exam preparation course, but you can also avail of employer sponsored programs and other sources to get your PDUs.

Indeed, these requirements are the professions’ assurance that not every Tom, Dick and Harry can cash in on a PMP exam preparation course, take the PMP examination, and subsequently besmirch the profession’s reputation through ineptitude.

You can purchase an excellent PMP Exam Preparation Online software as part of a PMP Online Course, at today. Just visit their site and get the preeminent PMP Exam Preparation Course now!

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Naturopathic Education and Career Options

Naturopathic education trains students in a wide range of areas to treat patients holistically. This non-invasive industry allows students to complete various degree programs and enter multiple careers. Naturopathic training can be obtained at an assortment of holistic healing schools.

Natural healing techniques are explored in depth within education and can include acupuncture, nutrition, hydrotherapy, and more. Students have several opportunities to gain an education in naturopathic medicine. Students can follow educational paths to become naturopathic doctors or they can complete programs to enter specific areas of the field. Naturopathic doctors use a variety of non-surgical methods to help their patients, which may include exercise and herbs. Specific training typically allows students to focus on one area of naturopathic medicine such as acupuncture. Programs can be pursued at all educational levels. A specific training path will be followed depending on career goals.

Students that work towards a degree in naturopathic medicine need to complete undergraduate education first. A bachelor’s degree in science or pre-medical studies is the most commonly completed undergraduate training. Students study biology, biochemistry, and more to prepare them for the coursework included in a doctorate level degree. Once education begins in naturopathology students study how to treat the entire person through various preventative health methods. Students learn to work with patients to prescribe the best naturopathic remedy for their pain or ailment. Traditional Chinese medicine, therapeutic medicine, manipulative therapy, homeopathy, and more are all course subjects discussed in depth within a program.

Education is broken down into two major segments. The first two years of schooling is dedicated to learning about theory and medical practice. This can include studying the chemistry of the body and disease diagnosis. The last two years of education is dedicated to clinical study, which is where students put their learning to practical use. This time can be dedicated to specific interests where students can train to become naturopathic/acupuncturists for example. After four years of intensive study students are ready to enter the profession with an in depth understanding of mind and body medicine.

Students should thoroughly research the different training options before entering doctor of naturopathic degree programs. One area of the field may interest students more and it may require less educational study, such as massage therapy training. Certificate programs that last six to nine months prepare students to enter careers as massage therapists. Education specifically teaches students to use a variety of massage therapy techniques to treat a patient’s muscle pain or injury. Pathology of disease, anatomy, and medical terminology are some courses that are included inside a program as well as natural healing training.

Through the in depth education received within this field students are able to enter many different careers. Students can become professionals upon completion of a naturopathic medicine training program. Available careers can include:

  • Naturopathic Doctors
  • Nutritionists
  • Acupuncturists

Starting a naturopathic education opens up several job possibilities. Students can begin training now to prepare for careers inside the industry. Accredited naturopathic schools are approved by the Accrediting Commission of Career Schools and Colleges ( to offer the best education.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised on

Copyright 2010 – All rights reserved by

David H. Woods is a staff writer for Locate and request information from Accredited Naturopathic Schools, as well as other Colleges and Universities offering Naturopathic Training at, your positive pathway to discovery!

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Texting: Increasing the Risk of Educational and Employment Inadequacy?

Texting is undoubtedly a popular form of modern communication. Could the overuse or overindulgence of texting however, create a problem for employment or educational imbalance? Beyond traditional letter writing, telephone conversations, stenography or Morse code, the sophistication of communicating in all realms of society is mind-boggling. While every generation has its own slang or colloquial speech, we must be cognizant of the appropriate dialogue to use with specific applications.

There is increased conversation and debate about the perils of texting. Many kids in particular, become more dependent on the speed, language and convenience of texting. Oftentimes, spelling is challenged due to the overuse of instant abbreviated messaging and less on how to effectively utilize the principles of oral and written communications. Texting has become an everyday habitual obsession, as opposed to using this form occasionally. For those who religiously text every day, do you think this affects your writing and spelling skills?

In areas where employment opportunities are available, some reports are finding that employers cannot fill these positions due to a communication impediment. In other words, employers witness many young candidates in particular, applying for jobs, who are unable to fill out a job application clearly and completely. Their use of text language, unrecognizable acronyms, lack of adequate communication skills and inappropriate interviewing attire, spills over into a more formal or professional setting where such things are deemed unacceptable. Their lack of preparation works against them. Some organizations recognize that this is a problem beyond school classrooms and are implementing community programs to help these students get better prepared in effective communication and job preparation.

Our society is surrounded by shorter and quicker methods of gaining access to information, communicating and responding to certain calls for action. Teens aren’t the only ones facing shorthanded catastrophe due to a lack of preparation skills and communication. When adults are unable to complete the employment process not associated with foreign language linguistics, it is usually an indication of functional illiteracy in many cases.

Although the extensive use of text messaging could present limitations on specific types of communication and protocol, it could also be advantageous in situations not conducive to verbal interaction. Like Morse code, texting could get an emergency message out promptly. Like stenography, texting could get a lot of important information reduced in a short amount of space. Habitual shorthand conversations could be just as critical as a surgeon who takes short cuts by performing abbreviated life saving operations. As long as texting is used in an applicable way, then inadequacy in the fundamentals of communication and education will not be at risk.

Kym Gordon Moore is a marketing specialist, transformational speaker and professional content writer She is the author of “Diversities of Gifts: Same Spirit,” contributing author to “Chicken Soup for the Soul: Thanks Mom” and Co-Founder of Favorite Things for a CAUSE where you can download a FREE eBooklet, “Clean Up Your ACT!” []

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The Education and Roles of an Electrical Contractor

Becoming an electrical contractor takes years of experience alongside an experienced electrician as well as some education. As a professional, the electrician fulfills many responsibilities. He installs new systems, maintains and repairs individual problems, and occasionally replaces wires and appliances when they malfunction.

Educational Requirements for the Qualified Electrician

An electrical contractor doesn’t require a college education, but it does require the completion on a high school diploma along with some education from a technical school or community college. You’ll also need to spend a good amount of training time with an experienced electrician.

Apprenticeship Requirements for the Qualified Electrician

The majority of an electrician’s training is obtained on the field with an experienced and qualified electrician who has already been successful in his own business. Aspiring electricians can join apprenticeships through local electricians’ unions or brotherhood, or they can contact an independent electrician about a possible internship. The Bureau of Labor Statistics averages that the average electrical contractor obtains about 2,000 hours of practical on-site training along with 144 hours of classroom study.

Licensing Requirements for the Qualified Electrician

Once education and apprenticeship requirements have been completed, the student can work on becoming a licensed professional. The electrician will begin gaining even more experience as he begins to work in both industrial and commercial settings. Before he can obtain a license, he must also have liability insurance that covers a certain amount mandated by the state in which he plans to work.

Possible Business Education

If the electrical contractor wishes to begin his own business in the industry, he will probably want to gain some business education. Courses or a degree in business management will be helpful. He may also choose to take some construction management courses which will enable him to become an overseeing contractor for some jobs.

The Responsibilities of an Electrical Contractor

An electrician is a necessary part of any construction crew. Whether a new home is being built or a skyscraper office building, electrical wires, outlets, lighting and other appliances will need to be installed. During the building phase, the electrician is the one to install the wiring, lighting and outlets based on the blueprint he is provided. He’ll also label the breaker box so the building owner knows part of the building each breaker affects. Once everything is installed, he’ll test the wiring to be sure it’s all working smoothly and safely.

The electrician will also be on call for any problems that may develop in the electrical systems in a house or place of business. There are many possible problems that can occur. The electrician will communicate with the homeowner or business manager to figure out what’s going on, then diagnose and solve the problem as soon as possible.

Occasionally, a house will be remodeled or repaired after fire or water damage and an electrician will be needed to do some rewiring throughout the house. During remodeling projects, extra outlets may be added or new lighting fixtures. Whether new work needs to be done, old work needs to be redone, or current work needs to be repaired, the electrician plays an important role.

A Beaumont TX electrical contractor [] that can help you is just a phone call away. Learn more at [].

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.