Benefits to Getting a College Degree #getting #your #bachelors #degree


Reasons to Get a College Degree

Updated March 29, 2017

Being in college is hard in many ways: financially, academically, personally, socially, intellectually, physically. And most students question why they are trying to get a college degree at some point during their college experience. Simple reminders of the reasons why you want to get a college degree can help keep you on track when you feel like getting off.

Tangible Reasons to Get a College Degree

  1. You ll make more money. figures range from several hundred thousand to a million dollars or more over your lifetime. Regardless of the details, however, you ll have more income.
  1. You ll have a lifetime of increased opportunities. More job openings, more chances at promotions, and more flexibility with which jobs you take (and keep) are just a few of the doors that will be opened when you have your degree in hand.
  2. You ll be more empowered as an agent in your own life. You ll be better educated about the things that have an impact on your day-to-day existence: knowing how to read a lease, having an understanding of how the markets will influence your retirement accounts, and handling the finances of your family. A college education can empower you in all kinds of ways to be more in control of your life s logistics.
  3. You ll be better able to weather adversity. From having more money available (see #1 in this list!) in a savings account to having marketable skills and an education during an economic downturn, having a degree can come in handy when life throws you a curve.
  1. You ll always be marketable. Having a college degree is becoming increasingly important in the job market. Consequently, having a degree now will open doors for the future, which will in turn open more doors and make you more marketable later. and the cycle continues.

Intangible Reasons to Get a College Degree

  1. You ll lead a more examined life. The critical thinking and reasoning skills you learn in college will stay with you for a lifetime.
  1. You can be an agent of change for others. Many social service positions, from doctor and lawyer to teacher and scientist, require a college degree (if not a graduate degree). Being able to help others means you have to educate yourself to do so through your time in school.
  2. You ll have more access to resources. In addition to the financial resources, you ll have access to through your higher income, you ll also have resources in all kinds of unexpected and intangible ways. Your roommate from freshman year who is now an attorney, your friend from chemistry class who is now a doctor, and the person you met at the alumni mixer who may offer you a job next week are the kinds of benefits and resources that are hard to plan for — but that can make all the difference in the world.
  3. You ll have future opportunities in ways you may not be considering now. When you graduate from college, you may have never even given a second thought to graduate school. But as you get older, you may unexpectedly develop a strong interest in medicine, law, or education. Having that undergraduate degree already under your belt will allow you to pursue your dreams once you realize where they are going.
  4. You ll have a strong sense of pride and self. You may be the first person in your family to graduate from college or you may come from a long line of graduates. Either way, knowing you earned your degree will undoubtedly give a lifetime of pride to yourself, your family, and your friends.

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    Richmond, the American International University in London #, #a-z #unis # # #colleges, #getting #into #university, #student


    Richmond, the American International University in London

    History: The original Richmond College was founded in 1843 and remained a part of the University of London until 1972, when Richmond, the American International University in London was established on its campus as an independent, not-for-profit liberal arts university.

    Address: The first two years of study are generally spent at the six-acre Richmond Hill Campus, where modern accommodation and offices have joined the original neo-gothic building. For the final two years of study, students move to the university’s city campus in Kensington.

    Ambience: An American university in the UK’s capital city. The Richmond campus is set at the top of Richmond Hill – one of London’s most sought-after areas – right next to the spectacular Richmond deer park and near to Kew Gardens. Kensington is one of London’s swankiest districts with various luxury shops, bars, restaurants and museums plus beautiful scenery across Hyde Park.

    Who’s the boss? Professor John Annette is the sixth president of Richmond.

    What you need to know

    Easy to get into? The admissions process is rigorous. Students are required not only to submit good grades, but a personal statement and personal recommendations from their teachers. You’ll need a portfolio with 20 images of your most recent work if you’re applying for BA Art, Design and Media. For more information on entry requirements, click here .

    Vital statistics: On completion of its courses, students qualify for both a British BA and an American BA. Courses are offered in four main areas: communication and the arts;; business and economics and humanities and social sciences; and are taught using the American Liberal Arts system. Around 1,200 students attend the university and the vast majority come from around the world. The Richmond is validated by The Open University in Britain and accredited by the Middle States Commission on Higher Education in the US.

    Added value: Richmond offers its students high contact hours, small class sizes and a degree that is flexible and regcognised throughout the world. Their students go on to leading graduate schools across the globe from the LSE to Harvard and Yale. They have an internship office which assists students in finding placements with leading companies in relevant fields. Students also have the opportunity to study abroad at Richmond’s study centres in Italy.

    Any accommodation? Yes – prices are from £8,100 to £9,500 per year, including 18 meals per week. Self-catering is also available.

    Cheap to live there? London is an expensive place to live, as any major city is, and Richmond and Kensington are two of the capital’s most expensive areas. However, the University provides affordable accommodation for its students and as this is London there are always things to do on a budget.

    Transport links: Richmond Hill is an easy journey to the Kensington campus, which is connected by the London underground, buses and overground trains. The Kensington Campus is within easy walking distance of many of London’s main attractions.

    Fees: Undergraduate degrees cost £7,700 per year for UK/EU students, with international students paying £13,500.

    Bursaries and scholarships: Richmond has a variety of bursaries, scholarships and grants are available depending on a student’s academic achievement or need. The average range is between £700 to £3,000.

    The fun stuff

    Nightlife: There are a number of on-campus activities that are planned every year from the famous start and end of term parties to International Night. London itself offers students an amazing assortment of activities from the theatre, pubs, clubs, shopping, and museums, to major sporting events and more.

    Sporting facilities: Plenty of opportunities to join sports clubs with a range to please most.

    Glittering alumni: Bobby Chin, celebrity chef; actor Bill Paxton; Shwan Al Mulla CBE; congressman Russ Carnahan.

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    Mold Removal, Mold Remediation, Mold Abatement, Cleaning Mold, Removing Mold, Getting Rid of Mold, Removal, Mold, Post-Remediation Clearance Test #mold #removal, #mold #abatement, #mold #remediation, #cleaning #mold, #killing #mold, #getting #rid #of #mold, #clearance #test, #mold #clean #up, #post-remediation, #test, #testing, #remediation #standards, #how #to #clean #mold, #how #to #remove #mold


    1. Not all mold remediators are licensed contractors.
    Currently in most States including California, there are no licensing requirements for people who remove mold. In California, removing mold is classified as janitorial work. That means that legally, anyone who can wash windows or sweep floors is allowed to perform mold remediation. This is important to know because many mold removal jobs require the removal of cabinetry, plumbing fixtures, electrical fixtures, and HVAC components, all of which should only be removed or installed by licensed carpenters, plumbers, electrical contractors. For that reason, it is important to know your mold remediators legal qualifications to address the entire scope of work, and not just the removal of mold.

    The best person to trust your mold remediation work to is a licensed contractor who is certified to perform mold removal. See more on certifications for mold remediation contractors below #3.

    2. Not all licensed contractors are mold remediators.
    If you or a loved one had a life-threatening condition that required brain surgery would you choose the best brain surgeon you could find or a podiatrist that came highly recommended by Aunt Martha? Obviously that is a rhetorical question. Yet every day people choose highly qualified repair contractors to do mold removal work that they are not qualified to do.

    There are many excellent, reputable licensed contractors who are highly-qualified to perform room additions, kitchen and bathroom remodels, and even construct an entire building from the ground up. But that does not necessarily qualify them to perform mold remediation. Proper and safe mold removal requires specialized knowledge and expertise. If mold remediation work is not done properly, significant collateral damage can occur to other mold-free areas of a building by cross-contamination of airborne mold spores. Furthermore, failure to implement adequate safety measures to protect the occupants of a building before, during and after remediation work can result in serious health risks and costly litigation.

    Choosing the best kitchen and bath contractor to perform mold remediation work is rarely a wise decision. It is always best to hire a certified mold remediation contractor to perform mold remediation.

    3. Always Choose An AmIAQC or IICRC Certified Contractor

    AmIAQC stands for American Indoor Air Quality Council. In mid 2009 the AmIAQC was renamed the American Council for Accredited Certification (ACAC ) to better reflect the exclusive prestige of being the only IAQ certifying body with CESB accredited certifications.

    Council-certified mold remediation contractors are
    required to maintain the highest industry qualification standards including a rigorous continued education credits program and mandatory recertification every two years. When searching online for a Council-certified
    mold remediation contractor look for one or both of these logos.

    IICRC stands for Institute of Inspection, Cleaning and Restoration Certification. IICRC is a non-profit certifying body for cleaning and restoration professionals. It was founded in 1972 to establish and monitor educational programs and standards most phases of property restoration. When
    searching for an IICRC certified mold remediation contractor
    online search for this logo.

    Again, the best person to trust your mold remediation work to is a licensed contractor who is certified to perform mold removal. The second best would be one who may not be a licensed contractor but who is certified by one of these two certifying bodies. The least desirable choice would be a licensed contractor with no mold remediation certifications.

    One last note on choosing a mold contractor. A Council-certified or IICRC certified mold remediator is always the best place to start. But always ask for at least three references and never assume that a contractor must be OK just because they give you references. CALL THEM! In fact, always ask for references that are at least one year old and call them. Why? Because right after a mold removal job is done everything looks great and everyone is happy to be rid of their mold. But if that job was not done right it might take 6 to 9 months before anyone knows it. A referral might have nothing but praise for the contractor immediately following a job, but nothing good to say about him a year later.

    Get referrals and call them. Call the State Contractors Board to check on their license. Call the Better Business Bureau to check their rating. If you don’t get satisfactory answers, call another contractor.

    You do! That’s another reason why it is so important to choose the right remediation contractor. If a remediation job fails to meet industry standards the contractor must find out why and correct the problem. Then the work must undergo a second post-remediation verification. And if that fails, a third. And if that fails, a fourth. And every post-remediation verification costs the same as the first one.

    During the interview, talk to your contractor about post-remediation verification (also called clearance testing). Most contractors do not pay for testing. If they do they usually insist on doing it themselves or having someone they know do it. But even the best contractors don’t fail their own work. For obvious reasons it is always in your best interest to have a third-party independent Inspector perform clearance testing.

    If you paid to get rid of a mold problem and the clearance test fails, you still have a mold problem. If you still have a mold problem, you will be dealing with it again sooner or later. An independent testing company can help you avoid future problems by insuring that your remediation job was done properly.

    Here are a few tips to help you better understand post-remediation verification. Discuss these things with your contractor.

    1. Tears, holes, and gaps in containment materials can cause a clearance test to fail. Additionally, breached containments cost more because areas outside the contained work space require testing to confirm or rule out cross-contamination.

    Increase the likelihood of first-test clearance with air-tight containment. Stay out of the containment during remedial work. Traffic in and out increases the probability of a breached containment and a second test.

    2. Post-remediation verification should be done after all the mold has been removed but before any new construction materials are installed. The Inspector should be able to examine all salvaged remediated materials. If new drywall is installed and the clearance test fails, the new drywall will likely have to be removed to find out why.

    3. If anti-microbial coatings are going to be applied. (a step some contractors call encapsulation ), it should be done after verification as a precautionary measure to help construction materials resist moisture in the future, not to cover up water stains or hide mold growth. If for some reason the contractor chooses to encapsulate prior to verification, only clear coatings should be used. Solid color coatings, paint and stain hiding products like Kilz are often used on framing materials to cover up mold that was not removed. A containment full of freshly painted wood framing may look nice, but if the clearance test fails it is virtually impossible to see why.

    Ask your contractor if anti-microbial coatings are going to be used. If so, insist on clear products only. Also, Kilz is strictly a paint and should never be used as an encapsulant. It is not an anti-microbial coating nor does it have any water-proofing properties whatsoever. It serves only one purpose; to cover stains. Often times water damaged framing wood is permanently stained and damaged. But there is a distinguishable difference between water-stains and mold. Water stains don’t fail a clearance test, mold does – even when it is painted over with Kilz.

    The best way to minimize post-remediation clearance testing costs is to educate yourself on the remediation process from start to finish. Recognizing when something is wrong early in the process can save time and hundreds, even thousands of dollars as the job draws to a close.

    If you have questions or concerns about clearance testing that are not addressed here, please feel to call AMI at 1-800-369-8532 and speak to a Certified Post-Remediation Specialist.

    Financial Post #getting #an #email #address #for #your #business


    Mary Forrest, President and CEO, Munich Re North America (Life and Health) is pleased to announce the following promotions: Bernard Naumann to President and Chief Executive Officer, Munich Re, Canada (Life) and Richard Letarte to President and Chief Executive Officer of Munich Re’s New Ventures, a division of North America (Life and Health).

  1. Douglas Ellenor, Chair, Board of Directors, Christian Children’s Fund of Canada (CCFC), is pleased to announce the appointment of Patrick Canagasingham, to the position of Chief Executive Officer of CCFC.

  2. Fengate Real Asset Investments (“Fengate”) is pleased to announce the appointment of Justin Catalano as Managing Director, Head of Private Equity.

  3. Larry Shaw, the Chairman of the Board of Birchcliff Energy Ltd. is pleased to announce that Ms. Rebecca Morley has recently been appointed as a Director of Birchcliff. Ms. Morley has 15 years of experience in the capital markets, having worked as an Equity Research Associate at TD Securities and GMP Securities and then as a Partner and Research Analyst at Paradigm Capital.

  4. John Landry, head of Treasury and Trade Solutions (TTS) for Citi in Canada is pleased to announce the appointment of Hany Naguib into a new TTS Canada Sales Head role.

  5. Ducks Unlimited Canada (DUC) is pleased to announce the appointment of Karla Guyn as chief executive officer.

  6. The Board of Directors of Sinai Health System is pleased to announce the appointment of Dr. Gary Newton as President and CEO.

  7. Power Corporation of Canada and Power Financial Corporation are pleased to announce the appointment of Paul C. Genest as Senior Vice-President.

  8. Lou Serafini Jr. President and CEO of Fengate Capital Management, is pleased to announce the promotion of Mr. Pranav Pandya, CPA, CA to Chief Financial Officer.

  9. Richard worked in equity research during the summers of 1986 through 1988 with Merrill Lynch Canada.

  10. Rupel’s appointment reflects the firm’s deep-NAT00501311_hr_Page_1_Image_0002rooted commitment to meeting the evolving needs of its clients.

  11. Rob has more than 45 years of experience in the Canadian investment industry.

  12. Bennett Jones is pleased to announce that Radha Curpen has been appointed Managing Partner of the Vancouver office.

  13. Power Financial Corporation is pleased to announce the election of Gary A. Doer, to its Board of Directors.

  14. Industry veteran Andrew Barnicke has joined Colliers International Canada as Vice Chairman, Capital Markets.

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  15. What s A Financial Analyst And How Do You Become One? #financial #services,financial #analyst,financial #advisor,sun #life #financial,bachelor\’s #degree,education,post-secondary #education,interview,resume,soft #skills,technical #skills,application #process,professional #designations,certifications,career #preparation,career #spotlight: #financial #services,getting #a #professional #designation,getting #an #entry #level #job


    What s A Financial Analyst And How Do You Become One?

    Each day, countless bits and bytes of financial information are gathered, monitored and crunched to keep markets and companies in the green.

    While computers do a lot of the work for us, at some point human beings have to check out the data and make decisions based on what it says.

    They don t make all the big decisions, but Financial Analysts play a key role in that process. It s one of the most common entry level jobs in finance, so we ve compiled everything you need to know about being and becoming a Financial Analyst right here!

    What does a Financial Analyst do?

    Well, the job title itself is actually pretty self explanatory. In simple terms, you collect and analyze financial information, and then make recommendations to your company, customers or clients based on your analysis. Especially early on, you ll spend a lot of time working on spreadsheets, creating reports and giving presentations.

    However, there are many different types of Financial Analysts, such as Securities Analysts, Investment Analysts or Ratings Analysts, and they can work for a number of different types of organizations, including insurance companies, investment banks, mutual funds, pension funds, hedge funds and securities firms, as well as companies that operate in any industry in Canada! Each type of analyst will perform different functions and have different responsibilities on a day-to-day basis.

    Buy side vs. sell side

    Most commonly, Financial Analysts are broken up into two distinct groups: those who work on the buy side and those who work on the sell side.

    Buy side: Analysts on the buy side work for organizations that have money to invest (also known as institutional investors). Institutional investors can be funds, insurance companies, hospitals, colleges and universities basically anyone who has money and needs help developing investment strategies.

    Sell side: These are the sexy analyst jobs that many students dream of, with investment banks and securities firms. Analysts on the sell side help these companies price and sell their products.

    Outside of this structure, Financial Analysts may also evaluate organizations abilities to repay their debts or be responsible for performing budget and cost analyses.

    Educational requirements

    Typically, an undergraduate degree in accounting, business administration, economics, finance, management or statistics is required for entry level Financial Analyst jobs .

    Some Financial Analysts choose to complete MBAs, and obtain a variety of accounting- and finance-related certifications and designations. such as the Chartered Financial Analyst (CFA), Chartered Investment Manager (CIM), Certified Management Accountant (CMA) or Certified General Accountant (CGA) designations.

    In-demand skills:

    There’s nothing ‘soft’ about soft skills

    These roles require candidates who are self starters and have excellent interpersonal, communication and conflict resolution skills. Be sure to highlight these on your resume and point out specific examples in your interview!

    Tech it up

    General computer proficiency (typing skills, Internet literacy, ability to use Microsoft programs) is essential. Beyond that, the ability to navigate various finance-related software programs will make you a much stronger candidate. Find out what software a company uses before interviewing with them and know a little bit about how it works.

    Set yourself apart

    Whether you want to work as a Financial Analyst on the buy side or the sell side or somewhere else altogether getting a job is going to be competitive. There are, however, a few ways you can stand out:

    • Get experience working in a financial services environment while you re still a student
    • Keep your grades up there are a lot of business students out there and employers only want the best-of-the-best analytical minds
    • Get involved in or start a finance- or investing-related student group on your campus many employers work with and recruit directly from these groups

    October 4, 2012 October 28, 2014

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