Choosing an online education program should be exciting and fun. While there a many good Robert Covington Authentic Jersey , recognized diploma or degree programs available through online education, choosing the one which is right for you can seem like a daunting task.


There are many factors which you should take into consideration, when choosing your online college. For example, you'll need to consider which technologies are used in the program. Does the institution use print Keita Bates-Diop Authentic Jersey , audio, or video delivery media? How will you interact between the instructor and the rest of the class? Will it be via asynchronous means, such as email, listservs Jake Layman Authentic Jersey , or newsgroups, via synchronous delivery methods, like streaming online audio and video, or shared whiteboards? The technological delivery of the course content will be key to your decision Josh Okogie Authentic Jersey , as it will determine the amount and frequency of your interaction with the instructor and other students.


You should also be diligent about researching the college's accreditation and its reputation. In order to be certain that you are getting the best education possible, you must be certain that the institution has some sort of official recognition. Accreditation is the process through which a college's educational programs are evaluated to ensure that certain standards are upheld. This process is usually done by a form of peer review, and the standards tend to vary from awarding body to awarding body. Being aware of the university's accreditation is usually a good indicator of what sort of value that you are getting for your tuition.


Likewise, it is very important to check out your instructor's credentials and experience in the field Shabazz Napier Authentic Jersey , as well. Your experience of the course will depend upon his or her knowledge and delivery style, so make sure that you know with whom you will be working.


Finally, you may want to consider speaking with one of the college's former students, as this will give you an insider's look into the program and the university. Alumnae are often honest about their experiences- whether good or bad- and they can give you a better idea of what to expect from the course.


Pursuing a degree online can be a rewarding and memorable experience Jerryd Bayless Authentic Jersey , especially if you do your homework before logging-in to the course.

>Business Owners' Views of Business Credit Cards

Posted by nick_niesen on October 29th, 2010


There are quite a number of reasons why business owners choose to obtain business credit cards, but recent studies confirm that business credit cards are viewed most useful for keeping business and personal finances separate. Business owners say that their primary reason for using business credit cards is to avoid their business expenses from getting mixed up with their personal expenses: Using business credit cards separates the two, thereby contributing towards maintaining the integrity of their accounting records.


90% of all small business owners use business credit cards purely to make business related purchases Gorgui Dieng Authentic Jersey , with more than 90% indicating that the primary need for business credit cards is business travel. They believe that airline flights, car rentals and hotel stays would be cumbersome without business credit cards.


Perhaps because of this close association between business travel and business credit cards, you won?t be surprised to hear that almost a third of the business owners consider cash back rewards as the most attractive feature, while one-fifth values the frequent flyer mile rewards most. To a lesser degree Jeff Teague Authentic Jersey , the ready acceptance of business credit cards by vendors and suppliers was deemed to be an important consideration. Business owners are also happy with the ?no annual fee? feature offered by most business credit card issuers.


Business owners tend to use their business credit cards with very specific purposes in mind and are more conscious about settling business credit card balances in full. According to recent surveys, 63% of all small business owners execute their credit card payments in this manner to avoid finance charges. By comparison, only 40% of all individual Americans pay their full outstanding balances every month. This means that small business owners are less likely than their individual counterparts to accumulate interest fees on their business credit cards ? a fact that issuing banks may not like since they earn their profits from interest charges. Business owners would advise you to pay your business credit cards in full or don?t use them.


Interestingly, nearly half (46%) of business owners thought that interest rates and related terms were their most important considerations when they applied for business credit cards. They indicated an appreciation for the temporary cash flow assistance that business credit cards provide Kevin Garnett Authentic Jersey , but expressed a dislike for paying interest fees and for debt accumulation. This concern for interest rates and their diligence in paying off business credit card bills to avoid fees implies that credit card companies do not make much money from small business owners.


Most business owners find one ? or at most, two ? business credit cards sufficient for their purposes. Compared to the average American who holds four to eight personal credit cards, the survey found that the average small business owner only has one or two business credit cards at most.


In fact, 86% of small business owners believe their business credit card spending limit was high enough for their needs and that too many business credit cards would tempt them to spend more than is really necessary. This attitude towards credit limits and multiple credit cards may be because small businesses Karl-Anthony Towns Authentic Jersey , unlike ordinary individuals, do have access to alternate sources of debt financing ? something that the ordinary individual does not.


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