Continuing Education

lonelybapcmau asked:


I am from a third world country and wish to have my master’s degree in any English-speaking country. Is there countries who offer scholarship for people like me? I am studying my bachelor’s degree now and able to graduate by next year.
I am hoping for your response.

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joneriquezzo asked:


I am a graduate from NHCTC with an associates degree in restaurant management, and i am looking for a great school to continue my education in culinary arts but i feel that every school i look at is “Sub-par” in the culinary department.
NOTE: i am a New Hampshire resident but relocation within the united states is do-able

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Umair Sidd asked:


Getting a CPA license is difficult enough for many people. However, when it comes to making the most of that license and creating a better life for yourself, you will need to get certain CPA CPE requirements met, depending on what your state requires. Many states have simply adopted the standards of the AICPA (American Institute for Certified Public Accountants), allowing there to be some standardization for CPA licensure and renewal around the world. Since the job changes constantly, CPAs must keep up to date on their education at all times. There is never a bad time to learn new things when you are in a career like this one.

There are so many different topics that CPAs have to know about in order to do their jobs, including things like taxation, finance, business, auditing, and planning rules that have to be followed. While it can be quite the effort to keep up with this education, it will definitely serve you well in your career. When it comes to getting CPA continuing education courses completed, every state has different requirements and you will have to determine what your state views as necessary in order to get the right CPE classes every single time. There are many different places that you can get these courses, so you don’t have to worry about trying to find them.

CPA CPE courses can be found online and through professional educational services, as well as from typical colleges and schools. You can find just about anything you need as long as you know where to look. Some of the places that offer continuing education are even non-profit businesses that strive to provide the tools for success to accountants. The license that you have is valid for a specific amount of time depending on your state’s regulations and guidelines, and you need to make sure that you know what that time period is so that you don’t wait until the last minute to get your CPA CPE courses taken.

Finding the right CPA CPE courses is all about finding what works for you. Of course, you are looking to meet state mandates as well, but it is far more important that you take the time to find the courses that meet the requirements that are right for you. Some people learn better online while others will benefit more from a traditional classroom setting. As long as you get the continuing education that you need in a format that works for you, you’ll be able to enjoy the success of your CPA career for many years to come.



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Gen Wright asked:


aining Fast Facts:

- Continuing Education training is available online for Electricians, Plumbers, HVAC Technicians

- By 2007 almost 4 Million students in the U.S. took some form of online education

- Online learning teaching is self-directed and student-centered

“It used to be that staying certified meant tying up a day or a weekend sitting in a classroom with 30 other bored students. Now we’re seeing where Journey Level construction trades people are choosing to complete their State required certification online” says Sandee Olson-Meyer, President of Construction Continuing Education Center of America.

Academic Institutions have seen a rise in the popularity of online training for years. In 2003, 57% of Academic Officers rated online education equal to or superior to that of face-to-face instruction. That number rose to 62% by 2006.

Recently an increasing number of trades professionals are taking advantage of online training options to complete their State Continuing Education (CEU) requirements.

With traditional classroom continuing education, participants were tied to a set schedule. One course could take up an entire weekend that could have otherwise been spent with family or other recreational pursuits. An 8 hour course in a classroom must be completed consecutively. With Online continuing education, course materials are accessible 24 hours a day 7 days a week; participants can do a little bit at a time in the evenings or whenever is convenient for them.

“Continuing education is a State required necessity for working trade professionals” says Olsen-Meyer. “Online courses allow working adults to manage their time and balance work, family and other responsibilities with their certification requirements.”

Individuals who have taken online continuing education enjoy the flexibility and freedom that online training allows them. “I don’t have time to run my business and still have the opportunity to attend classes” says Dan G. of Spokane Washington. Ron T. of Maple Valley adds “I appreciate the ability to take the classes at night and still be a Dad around the house.”

In addition to scheduling flexibility, students enjoy the mobility that online training allows them. A computer and Internet connection is all that’s required to complete online courses, so with a laptop and mobile Internet students can complete their certification at home, work or the internet caf?

“We recently had a student write to us that he completed his Electrical Basics course in an airport while waiting for his flight” says Olson-Meyer. “It’s amazing to think as recently as 5 years ago we wouldn’t have imagined something like that would be possible.”

Construction Continuing Education Center of America offers an array of online continuing education for Electricians, Plumbers and HVAC Technicians in 9 states. For more information on the continuing education courses available for Trainee and Licensed Journeymen check out www.ccec.us or call 1-877-238-8646.

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edward hulse asked:


The Legal Relationship between a Broker and an Insurance Agent.

The role of a broker differs from that of an agent.  A true broker is in the business of bringing insurance buyers and sellers together.  A broker acts in the interest of the insurance applicant in regard to the procuring of insurance and filling out the insurance application.  However, a broker acts on behalf of the insurance company when collecting the insurance premiums and delivering the policy.

There are many large brokerage firms, such as Alexander and Alexander, Willis Coroon and Marsh & McLennan, that play an important part in the placement of property and liability insurance.  These firms often specialize in placing large, multinational corporate accounts and pride themselves on their knowledge of highly unusual insurance markets.

In exchange for assisting the applicant to obtain insurance coverage, the broker receives a commission from the insurers with whom coverage is placed.

As stated, a broker’s primary responsibility is to his/her client. Brokers serve their clients by finding the appropriate insurance coverages to meet the client’s needs.  In addition to serving their clients, brokers are held to the same standards as agents I terms of their responsibilities to the general public. In other worlds, because the business of insurance requires honesty and good faith, the broker is prohibited from engaging in any marketing practice that involves unfair competition or a deceptive act.  Like agents, in most states brokers are required to undertake a program of continuing education to remain knowledgeable and current in areas that pertain to insurance principles, coverages, laws and regulations in order to retain their license.

CONSULTANTS AND FINANCIAL PLANNERS - ROLES AND RESPONSIBILITIES

Insurance consultants and financial planners are quite different from agents and have  different fiduciary responsibilities.

An insurance consultant advises clients about insurance.  This individual provides services which analyze policy provisions. A true consultant is compensated through fees for his/her services and is not commission driven through the sale of insurance policies.

The National Association of Insurance Commissioners Model and Brokers Act requires that insurance consultants be licensed.  The Model Act also requires that there be a written agreement between the consultant and client prior to the performance of any services.  The Model Act also spells out the fiduciary obligations of a consultant to his/her client.  The consultant “is obligated under his license to serve with objectivity and complete loyalty in the interest of his client alone.”  

As an insurance consultant one should make every effort to document the client’s needs and such needs were objectively uncovered regardless of any relationship the consultant might have with an insurance company.  The best way to achieve this is to utilize detail-oriented fact finders and checklists.

Today, many insurance professionals call themselves financial planners.  Unfortunately, many of these professionals fail to realize there are differences between being an agent and being a financial planner.  Being a financial planner requires additional education and licensing and it also extends the potential liability of the insurance professional.

Basically, a financial planner analyzes a client’s current financial situation.  Part of this process is to have the client state financial goals and prioritize future endeavors.  A financial planner then could develop a plan that would help the client achieve such goals.  This process requires time and often will include other financial advisors (attorney, accountant, estate planner, trust officer).

Operating as a financial planner is likely to require compliance with both state and federal licensing and registration regulations.

It is best for the insurance professional to accurately state what role he/she has in the insurance industry.  Over the years, the use of the financial planner label has often been used by insurance agents and brokers.  Without the additional education one cannot make such a claim.  Of course, the insurance professional might be performing some type of financial planning in the interviewing process but this does not make him/her a financial planner.

Rhode Island Insurance Continuing Education

Inusurance Continuing Education



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edward hulse asked:


Confidentiality to the Insurance Prospect

In attempting to qualify a prospect completing a financial questionnaire, analyzing needs, etc., insurance agents are privy to an applicant’s personal and financial information. Personal information about a client should never be released without the prior approval from the client.

Full Disclosure

The agent not only has the responsibility of full disclosure to the insurer but also to the prospect or client.

In this situation, full disclosure means informing the prospect or client of all facts involving a specific policy so an informed decision may be made. This also accomplishes other goals as it helps clients:

•    Evaluate the relative costs of similar plans offered by a competitor.

•    Understand the basic features of insurance.

•    Select the most appropriate policy to meet the needs of the prospect/client.

•    There are two guides that are used by agents to help them comply with full disclosure

1.         NAIC Buyer’s Guide which was developed by the National Association of Insurance Commissioners as an aid to consumers who are thinking about the purchase of life insurance.  It explains the basic types of life insurance and provides the consumer with suggestions to aid in its purchase.  Included in the Buyer’s Guide is an explanation of the surrender cost indexes used in the Policy Summary.

2.       The Policy Summary includes two types of cost indexes; the life insurance surrender cost index and the life insurance net payment cost index.  The surrender cost index is useful to applicants who wish to compare cash values of policies.  The net payment index is helpful when a person compares the death benefits of policies.  Both guides are helpful to agents who wish to explain the features and benefits of the life insurance policy they are presenting.

The underwriting process for an insurance application can take time.  Most companies try to complete their underwriting process in 21 days, however, delays may occur.  Delays such as request for more information from the applicant, doctor reports, etc.  An agent should keep the applicant informed as to the process of the application.  For this reason, it is imperative that the agent be prompt in sending the application, after a thorough review, to the insurer.  Many underwriting delays occur simply because the application is not complete.

When an application is accepted, the agent should deliver the policy promptly.  At delivery the agent should review the policy’s features and benefits.  This will help solidify the sale and also convert the policy-owner into a client.

When an applicant is rated or declined, the agent is responsible to find out the reasons for such action.  Was it medical? Was it something that was overlooked by the underwriter?  Should additional information be provided?  In any event, the agent should be prepared to explain the rating or rejection to the client.

Assuming the rating or rejection is valid, the agent has the ethical responsibility to notify the client promptly.

Washington Insurance Continuing Education

Insurance Continuing Education



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edward hulse asked:


The insurance sector is growing at a fast pace owing to the seemingly obvious uncertainties that we face in the world today. Nothing is guaranteed for the future unless and until it is insured. This may sound quite callous but it is the ultimate truth. California Insurance continuing education aims at establishing this awareness among the common people by training insurance agents, brokers, underwriters and all those who are licensed to sell insurance products. The core objective is to ensure that all insurance professionals are well geared up to educate the common masses about the importance of insuring one’s life, health, property etc in the best interests of their future. To do so, the Department of State Insurance in the United States requires that all states hold regular and periodical insurance continuing education to train insurance professionals so that they have in-depth knowledge regarding the laws, procedures, features and regulations of every insurance product that they deal with. With California Insurance Continuing Education program you can complete the course online and chose your courses from a whole list of insurance programs. An added benefit of this California education in that it offers insurance courses that are not provided by any other state. For instance, California Insurance Continuing Education also deals with Life and Fire casualty insurance which is not dealt with any other state in the United States. It is a unique combination and this course is one of the popular one with increased demand from insurance professionals. The regular insurance continuous education covers insurance products such as Life and Health Insurance, Property, casualty and others. The online insurance continuing education provided by state of California is extremely economical and convenient compared to any formal insurance training schools which charge huge amounts of fees. Moreover the number of courses required to get certified in California Insurance continuing education is five compared to other states which is usually not more that 2 or 3 courses. This shows the level of proficiency and quality of education that this state emphasizes on to produce highly qualified, confident and dynamic insurance professionals who can sell insurance products in any genre. Once you clear your insurance continuing education courses from California, you can be rest assured that you would be grabbed by top multinational insurance companies, brokerage agencies and insurance underwriting companies with lump sum amounts of salary. Continuous and periodic up gradation of your knowledge and expertise is also required as Insurance products are susceptible to change as well as the policies governing them. Taking this insurance continuing education exam online is fast and easy and you can obtain your certificate almost immediately as soon as you clear the online test. However you can opt for paper or online test depending on your preference. California continuous insurance educating program is intensive and suits those people who are serious about insurance careers and have the zeal to excel in this field of expertise. It is effective, economical and convenient.



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Stephanie asked:


I am a single mom who wants to go to school for a radiology technician degree. I am going to need financial aid for this, and have no idea what to do when it comes to grants and loans. I have tried applying online, but they all want to know things like when I will graduate,and etc. I am not enrolled in any school yet, and have no idea where to start. Any advice will be helpful. Thank You!

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edward hulse asked:


Insurance continuing education is a customary insurance training course which helps insurance brokers, agents, underwriters and sales force to upgrade their knowledge base about different insurance products and enhance their sales pitch to generate more sales. It is a formal training as well as certificate course which you can subscribe for online. There is no nationwide accreditation given to insurance agents as the laws and rules governing insurance policies vary from state to state for the entire gamut of insurance products. Insurance continuing education usually establish credit review requirements for a period of time usually after two or three years after which insurance professionals need to undergo a training course to polish their skills as well as learn about the latest regulations and policies governing insurance sector. This course can be done online as there are many companies and third party organizations that provide online insurance continuing education along with certification at cost effective prices. This proves very advantageous to insurance professionals who work full time as this would help save their valuable time and money which they can invest on meeting new clients and generating more sales. Alternatively insurance professionals may have to go to regular insurance training schools and spend good number of hours in learning concepts sacrificing their work time. The online insurance continuing program provides courses on all kinds of insurance policies namely, health , property, casualty, ethics, long term care as well as several other insurance products. All online insurance CE courses are devised on the basis of credit hours required as per the State’s Department of Insurance.

The online insurance CE courses offered today are transparent in the fee structures and course materials offered and there are absolutely no hidden surcharges involved. You pay only the quoted price and also get your online certification based on the online test that you write. Many insurance companies, brokerage houses, multinational companies, insurance agencies as well as individual insurance agents undergo insurance CE services to ensure better quality of sales through effective sales pitch training and knowledge enhancement. Life Insurance is a delicate subject to deal with and has many policies, terms and conditions regulating it with laws that are volatile and subject to change from state to state and time to time. Hence, selling this insurance product requires able and skilled professionals who can do justice to this product and drive sales effectively employing good sales and marketing techniques. The insurance staff should also be in a position to answer any questions related to life insurance, health, commodities, property and almost anything with utmost confidence and clarity to close a sale. Moreover even if you are a part time insurance agent or underwriter, you can grab some exciting career opportunities with this education program. Therefore it is of paramount importance for insurance professionals to undergo insurance continuing education online to equip themselves with the latest skills and thereby boost insurance sales in their sales which would eventually yield more revenue or commissions for them.



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Rick asked:


What are some ways in which I can continue my Spanish language education, other than at my local college (times conflict w/ school)?

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