Online Education – Top Choice for Many

Did you know that online education is considered to be the preferred method of learning according to our federal government? This may come as no surprise to you as a student or a hopeful student. It seems very logical that the education you receive when you are solely responsible for your success would be one that you are more vested in. Many individuals considering online education have several concerns about that style of learning. They may not be completely comfortable with the idea of learning online for a multitude of reasons.

Quality of the Education

Many individuals are concerned with the quality of education they may receive with online studies. This form of education was once abnormal and looked upon as being less than complete in education. This is no longer the case. Many of the online programs today are offered by larger universities and colleges and some very old schools that have been sought after as elite colleges. These programs are now offered by all walks of schools and no longer just offered by strictly online schools. This lends to the credibility of these courses and increases the bar of standards for this type of education.

Employers Views

There are all types of employers and while most employers see online education as just as reputable and credible as in class earned degrees, there are still some employers that are not really sure about the programs. The majority of the employers see that those who earn a degree online often get their education from highly credible schools. They also recognize that individuals who earn a degree online often are held to a higher standard in that they must be self motivated and self starters in order to complete their courses with any degree of success. The accountability is put solely in the hands of the student and this says a great deal to employers about the personality of the individual.

Choosing an Online Program

It can be overwhelming to wade through the incredible number of online programs on the internet today. Start by being sure you are choosing from accredited schools. This is vital when working through your degree. It is of higher value to attend an accredited school and most states require that for licensed fields such as nursing you have earned your degree via an accredited school. The school should have no trouble providing you with this information.

How To Get Your Business Funded Writing A Great Business Plan

It is not uncommon for small businesses with limited resources to be challenged at the thought of facing their bank manager to apply for business funding. The reason is simple; regardless of how long you have been with your bank, you will still have to comply with formalities when it comes to funding your business start-up or business growth. Fundamentally, you will be asked to write a business plan for funding which must be presented with your application form. You may wonder why you need to present a business plan to lenders or investors. Let’s think about why banks want you to prepare a business plan and then you will fully understand why investors ask for this precious document that will cost you some time and money to put together, but ultimately, if done well, will help you raise the much needed finance.

Some Reasons Why Banks Need A Business Plan

1. Banks are taking a risk on you and your business and they need to understand that risk and compare it against the expected reward from your business. Have you ever thought about how banks make their money for their shareholders? Well, they do so investing their capital (money – usually investors’ funds and borrowed funds) in your business with full expectations of earning higher returns than the costs they must pay for borrowing or raising their own capital. If you fail to deliver the returns on their investment from your business, they will end up being a victim of your problems which will cost them their business. In short, your risk of business failure becomes their risk too.

2. They want to gain a better understanding of your management team who will be responsible for managing the funds invested in your business. This is a concept many small businesses and start-ups, don’t grasp fully. They may think their business ideas or wonderful products are sufficient ingredients for business success. Nothing can be further from the truth. A business is an organisation of integrated functional activities designed to accomplish a desired objective. These integrated activities must be managed competently by different people inside or outside the organisation for successful results to be accomplished. The bank manager reviewing your application must be satisfied that your team possesses competencies both at the level of technical knowledge and correct attitude – the critical ingredients for success when present and vice versa. A business that is poorly managed will fail irrespective of the quality of its products and benefits offered to its target market. With this in mind, you must be aware that when you apply for funding from a bank (or any other types of funders), your management team’s quality will have to be judged based on past performance. They also want to know if your management team possesses industry, business and market knowledge. Of course, if you are a one man business, you need to ensure you put in place a team, virtual or physical that brings the balance of expertise critical to give assurance to the bank that your business will not expose them to unmeasured risks.

4. They want absolute assurance that your business model is robust. That you have thought about the pros and cons of each option and have a viable business proposition that is not devoid of reality. This will be tested with questions in areas where gaps are detected and you will be expected to give answers that are credible to ensure their funds are not exposed. Banks want to see positive returns on their investment in your business, they won’t make any compromise for your own short-comings and the sooner you address the weaknesses in your business plan the faster you will be able to raise funding for your business.

Taken together, irrespective of whom you wish to raise funding from, if you want to successfully fund for your business as a start-up or an existing business seeking growth, you must address all the four areas mentioned above in your business plan. I have merely summarised some of the key points for you to bear in mind and you can find more of my articles to learn about the subject thoroughly. In my experience of writing and reviewing hundreds of business plans for funding, a clearly written concise 10-15 pages business plan is sufficient. This should include 3-4 pages of financial information and may I also caution you to stress-test your financial plan for variation in assumptions underpinning cash-flow projections to ensure you have plans to mitigate risks revealed by the tests, as the bank will do so as part of their own due diligence test. This is referred to as sensitivity analysis.

Good Luck

Tips on Educating Yourself to Become Successful

It is possible for everyone who wants to educate themselves to learn to study more efficiently and successful and to complete the course they started. Do you know that when I did research over successful people I discovered that they all had the same one thing in common; and what was that? They all had a strong passion to become successful and that was what drove them to reach up there to the elite level.Many of the successful people in the world today all believed that it was possible for them to become successful in their chosen field. However many of them did not go ahead and succeed straight away but failed many times before they reach their goals.

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But they never accepted defeat as an option to give up and in my research I found out what kind of tools many of the successful people used to educate themselves. First of all they wrote down their dream goal but then they also became aware of what skills they needed to develop to fulfill their dream. They were prepared to educate, learn and develop new skills for themselves.They sat up little goal in the beginning leading up to the big goal and took the necessary steps to educate themselves to reach these. Many of them kept a note pad where they wrote down affirmation which is a powerful sentence you repeat over and over in your mind until you have learned it by heart. The message is then deeply imprinted in your mind and become part of your natural thinking.

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You take someone like Arnold Schwarzenegger who has gone from an unknown ordinary man to become a very successful man today. He had that dream planted in his mind that this is where he wanted to go. So he kept affirming his dream in his mind and also supported it with visualizing it in his mind, he worked hard on himself did exercise and made sure to get the right kind of nutrition. He broadens his mind by studying and reading widely to educate himself and kept a passion for his goal.

The Energy Healing Power of Natural Medicine

Natural medicine is a system that uses a variety of therapeutic or preventive health care practices such as homeopathy, naturopathy, chiropractic, and herbal medicine. Alternative medicine is also known as traditional, naturopathic, natural or holistic medicine. Proponents of alternative medicine are not refuting the validity of discoveries in and the practical uses of conventional medicine, but are merely trying to put some things into perspective. Due to the widespread interest in natural medicine along with the disappointment and disenchantment with Western medicine, many people, especially in the United States and Europe, where conventional medicine has taken a dominant foothold, are seeking the advice and treatment from naturopathic physicians. These practitioners include herbalists, acupuncturists, naturopaths, chiropractors, and others, who advocate preventative health measures as well as recommend wholesome foods and nutritional supplements for their patients and clients. Considering the growing popularity and effectiveness of alternative health treatments and products, certified and licensed professional practitioners of such medical practices should be given their rightful and respectful place in medical society. Natural medicine has been proven not only to be safe, but more effective than Western medicine in treating many chronic illnesses such as diabetes, hypertension, asthma and many other diseases as well

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The history of Natural Medicine and its roots can be traced back thousands of years to ancient cultures such as India and China. Ayurvedic (E. Indian) and Chinese medicine, along with their diagnostic and herbal systems, are still used in these countries extensively, as well as in the United States, especially in Europe, where alternative medicine is well respected. Chinese herbal medicine has a documented history of over 2500 years in China, and is now widely used by practitioners all over the world. It has been legally practiced in the United States. since the mid seventies by licensed acupuncturists. Homeopathy is also a well-known form of alternative medicine discovered in the 18th century by German physician Samuel Hahnemann, but was practically stamped out in the U.S. in the late nineteenth century by the American Medical Association. In 1938, though, the U.S. Food, Drug, and Cosmetic Act finally recognized homeopathic pharmacopoeia as the legal equivalent of allopathic medicine.Another more contemporary and popular form of herbal medicine, called Western herbalism, can be traced back about two hundred years in America. Samuel Thomson, born in 1769, is considered the father of Western herbalism. He discovered over sixty different medically effective native plants by clinical testing, and on the basis of these findings, devised a theory of disease and botanical drug action. Randy Kidu, D.V.M., Ph.D., writes in his articled entitled A Brief History of Alternative Medicine: “The history of herbal medicine is interesting because herbs have been a part of our diet and pharmacy since man began roaming the earth. Coprophytic evidence (seeds and other plant part(found in preserved fecal pellets) points to herbal use by cavemen. Early herbalists practiced their trade since before recorded history in all parts of the world including China, Egypt, Greece, Rome, Africa, England, the Americas, and Europe. Many herbs are also mentioned in the Bible. Today, based on sheer numbers of folks who use one form of herbal medicine or another, it remains the most-used medicine worldwide.”Twenty-five hundred years after the advent of allopathic medicine, modern medicine is still grappling with the idea that herbal medicine could be an effective treatment, and not just quackery, although thousands of years of recorded history has proved its efficacy. A new model of understanding in medicine needs to be incorporated into the existing allopathic model. Because of the growing popularity and effectiveness of natural medicine, practitioners may eventually be given their deserved place in medical society. The incorporation of natural medical practices into the existing model of conventional Western medicine, including the training of new medical doctors, is now called Complimentary Medicine. In order to solve our health problems, this modern paradigm for treatment in medicine must be promoted. This can only truly emerge when bias, self-interest, greed and discrimination is discarded and diverse medical knowledge is promoted and shared, not only between university trained scientists and medical doctors, but among Alternative Medicine practitioners, philosophers, metaphysicians, and other intelligentsia of society as well.