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Education For Nurses – Where to Start

Education for nurses can be very demanding. You need to have disciplined study habits, good problem solving skills and be able to think critically if you are considering being a nurse.

There are many paths which can lead you to a nursing career. You can find a program that in less than a year you can become a Certified Nursing Assistant. To be a registered nurse you have to at a minimum an Associate’s Degree. And if you want to have a more advanced career you can enter into a Master’s of Nursing program.

With these various levels of education, come differing capacities for career advancement. So prior to making a choice of what degree you want to get, you should consider what you want to do with your career.

With the more advanced degrees like the Bachelor’s or the Master’s you can more easily move into higher management positions. But if you just want to get your nursing career started, then perhaps a 2 year associates degree is the right choice for you.

Beyond this primary education, you will most likely be looking to get into a specialty. This will require more education, usually in the form of relatively short certification courses as well as particular experience in this area of specialty.

So as you can see, education for nurses can be found for all levels, interests and even time constraints and costs. As mentioned above, if you are in a hurry, you can get in quickly with an Associate’s Degree. This will also cost you less in tuition. However, if you have a little more time and little more to spend on tuition you can get a more advanced degree that will will you advance your career later down the line.

If you can only afford a 2 year tuition, but you will want to advance into management later in your career, there are ways to do that too. First you dont necessarily need a higher degree to advance, it is just easier sometimes. Plus, some employers will actually pay for part of your advanced education. So you can become a nurse and then go back to school at your employer’s expense!

Indexed Universal Life: Flexibility For All Phases of Life

In order for a financial vehicle to be worthy of all phases of a consumer’s lifetime, it must be liquid, it must have a proven track record (or rate of return) and it must have the flexibility to adapt to the consumer’s changing financial needs. Indexed universal life is a unique strategy that can provide all of these features and more. Let’s take a closer look at how IUL can be a fit for each phase of a consumer’s life: introduction, accumulation and preservation.

During the introduction phase, the consumer has usually completed their education/training and is eager to take on the world like a boxer lacing up his gloves for his first fight. This phase is usually the first step to the complete financial picture.

During this phase, the consumer has usually either started or is about to start both a career and family. Financial concerns are usually short term and the road map to retirement is in its rough draft. Concerns such as providing an education for the kids are usually the extent of long-term planning during the introduction phase.

Universal life can provide the perfect tool to accumulate funds tax deferred to help with a child’s education. IUL has the flexibility to contribute either as little or as much as the family can afford without financial consequences such as lapsing a policy.

This allows for the flexibility a young family may need in a struggling economy. In fact, IUL has become a preferred choice for college tuition plans, such as the 529 plan. Benefits include the ability to withdrawal the funds at any time without penalty and having no limitations on annual contributions (outside of MEC limitations). Mom and dad take comfort in knowing that if their child chooses an alternative option to college, they will not be penalized and will still have the capability to receive tax free withdrawals.

In the accumulation phase, the benefits of a universal life policy can continue to be advantageous. In this phase, the consumer is in the process of achieving long-term wealth and minimizing long-term liabilities. Consumers are using IUL as protection against the loss of a family’s income in the event of a breadwinner’s death.

Business owners can also benefit from cash value life insurance. They will often use this strategy to pay for business expenses that can be accessed in the form of a loan while avoiding federal income taxes. Additionally, many small businesses today are utilizing IUL as a way to protect themselves against the death of a business partner or key employee that would have a significant impact on the profitability of the business. Or the business owner can protect his family from a premature death, ensuring a financial remedy in the event of a catastrophe.

The ability to withdraw funds tax free and the luxury of protecting the breadwinner with an accelerated tax free death benefit is making the IUL more attractive than ever for families and financial professionals.

The final phase of one’s financial life is the preservation phase. During this phase, the consumer will be looking at exiting from the workforce and easing into retirement.

Most retirees entering this phase will have two major concerns today: rising income taxes and a bear market. Considering that most retirees will live on an income of approximately 70 percent of their average working income, their concerns are valid.

With our federal debt just recently exceeding $15 trillion, most feel that federal tax rates are likely to rise. When adding volatility to the equation, the retiree can easily find themselves in trouble, especially considering most retirement plans fluctuate in value with market performance and are usually taxable upon withdrawal. Because of this, retirees are turning to IUL as a means to bypass market volatility, enjoy moderate returns through both indexing and annual reset and have the ability to withdraw their funds exempt from federal income tax.

UIL can be a perfect fit for the three phases of one’s financial life: the introduction, accumulation and preservation phases. Regardless of which financial phase one is in, the IUL has the flexibility to adapt and conform to the changing needs of both the investor and financial professional.

Email Security and the Necessity of Security Education for Small Business

Email and document security is no longer just an option for companies, it is a necessity. Couple that with the costly user licensing of most enterprise software solutions and many small business operators can be locked out of taking advantage of Best Practice strategies that ensure the privacy of intellectual property and communication. Setting rights permissions to documents and encrypting email will be essential to future security practices for all businesses.

Common knowledge has been that the less sophisticated small business operates on a pricing sensitivity and is more apt to take advantage of promotions, whereas the more sophisticated make security decisions based on perceived business necessities. Overall, small businesses tend towards waiting to implement internet security measures until after suffering an email breach or informational leak. By this time privacy and accompanying monetary loss may have already done irreparable harm to a company’s intellectual property and reputation. Large enterprise solutions make it necessary to adopt complex IT infrastructures and processes that are usually dependent on an IT staff – a solution that does not fit well into the budgets of most small businesses.

According to published reports in PCWorld.com, there are nearly 70 million small businesses worldwide and over 20 million in the U.S. alone. Small business is a major part of the global economy – that means it’s time to replace a general passivity towards the possible threats from email and document theft with a look towards initiating security measures as a business standard. The increasing level of security risk due to email and intellectual property theft make it imperative for small businesses to raise their level of security knowledge and investment.

Recent studies show that although information security is a high concern for small business owners, lack of actual knowledge and awareness of the economic impact of security incidents is equally high. Imparting an awareness to the small business community of the real threats in regards to security vulnerability should be top priority. Through education in this arena, small businesses can better enable them to not only determine their own level of risk but also choose the necessary email and document security solutions.

The responsibility of raising awareness of security provisions needs to come not only from governing agency reports, but also from security solution vendors. Providers of business tool solutions are better equipped than any other entity to position themselves as leaders in educating businesses on not only the dangers but the appropriate basic security measures to complement a small company infrastructure. Especially here, being informed on which internet security products best suit a company need is important as the needs of small businesses are vastly different than that of enterprise businesses.

Look to numerous market survey and analysis reports that specialize in studies on information security and small business. A little research will show they repeatedly state the same warning to small businesses – they need to change their attitude towards security and begin adopting a security plan.

Taking the time to gather information on creating good internet security practices will lead to a decrease in the future cost of lost productivity, and by educating your workforce you create an even wider prevention of productivity loss.