5 Types of Car Insurance Coverage Explained

By: Solutions Vids on 01:47

1. Liability Insurance

Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. Most states have a minimum requirement for the amount of liability insurance coverage that drivers must have. If you can afford it, however, it is usually a good idea to have liability insurance that is above your state's minimum liability coverage requirement, as it will provide extra protection in the event you are found at fault for an accident, as you are responsible for any claims that exceed your coverage's upper limit. You wouldn't want to run the risk of having to pay a large amount of money because your policy limit has been exceeded.

2. Collision Coverage

If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage will pay the value of your car. .

If your car is older, it may not be worth carrying collision coverage on it, depending on the value. On the other hand, if you have a more expensive car or one that is relatively new, collision insurance can help get you back to where you were before any damage to your car. Note: If you have a lienholder, this coverage is required.

3. Comprehensive Coverage

What if something happens to your car that is unrelated to a covered accident - weather damage, you hit a deer, your car is stolen - will your insurance company cover the loss? Liability insurance and collision coverage cover accidents, but not these situations. These situations are covered by Comprehensive (other than Collision) coverage.

Comprehensive coverage is one of those things that is great to have if it fits in your budget. Anti-theft and tracking devices on cars can make this coverage slightly more affordable, but carrying this type of insurance can be costly, and may not be necessary, especially if your car is easily replaceable. Note: If you have a lienholder, this coverage is required.

4. Personal Injury Protection

While Comprehensive coverage may be something you don’t need to purchase, Personal Injury Protection (PIP) is something you should. The costs associated from an accident can quickly add up, and in order to cover those costs Personal Injury Protection is available. With this coverage, your medical bills along with those of your passengers will be paid, no matter who is at fault for an accident. Note: This coverage is not available in all states.

5. Uninsured /Underinsured Motorist Protection

While state laws mandate that all drivers should be insured, this is unfortunately not always the case. Another issue that can arise is that while a driver may have liability insurance, many states have relatively low minimum coverage requirements that may not be enough to cover all of the expenses of an accident. So, if someone is legally responsible for damages related to an accident, you won't receive any payment if they do not have coverage or you will receive less than you need to cover the cost of damages if your damages exceed their coverage amount. This is the type of situation where Uninsured and Underinsured Motorist Protection would help with expenses.

Saving tip: It's usually relatively inexpensive to add uninsured/underinsured motorist protection to your car insurance policy, especially considering the amount of protection it offers.

This information in this newsletter is a summary only. It does not include all terms and conditions and exclusions of the services described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to underwriting review and approval.

Sources: www.iihs.com, www.insurance.com, www.carinsurance.com

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something about nature

By: Solutions Vids on 01:43

We often forget that we are nature. Nature is not something separate from us. So when we say that we have lost our connection to nature, we’ve lost our connection to ourselves.

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Real Estate Search Engines - A Home Buyer's Guide

By: Solutions Vids on 20:14

In recent years, real estate search engines have exploded in both popularity and quantity. It seems that every time you turn around, there's a new real estate search engine being launched or announced.

The use of real estate search engines has also skyrocketed. People go online by the thousands every day, conducting real estate searches through websites like Yahoo, Trulia and the others listed below. This usage will only increase as new search engines emerge, and as existing engines become more advanced.

This article reviews some of the most popular real estate search engines available today. But before we get to those reviews, let's cover some quick terminology.

What's a Real Estate Search Engine?

Here's my informal definition of a real estate search engine: "Any website that allows consumers to search for real estate listings." I think that's a basic definition we can all agree upon. Of course, there are many different types of real estate search engine, but in their basic form they all match the definition above.

Popular Real Estate Search Engines

Here's a list and summary of some of the most popular real estate search engines online today (with popularity measured by prominence in the marketplace, website traffic, and general buzz).

REALTOR.com

This is probably the most popular real estate search engine, just because it has been around the longest. When you land on the home page of REALTOR.com, you're offered a variety of real estate-related information. But the primary element on their home page is, of course, their real estate search engine.

To begin, you simply enter a city and state, provide some qualifying information like price range and number of rooms, and then click "Go." Once you get to the actual home listings, you can sort them by price, number of rooms, etc.

One thing I've always liked about REALTOR.com is the way the results are presented. You can view 10 homes per page, with thumbnail photo and basic information. This lets you "eyeball" shop and weed out any homes that don't interest you right off the bat. That way, you only have to click the "learn more" link for homes that you've screened first. A lot of the newer real estate search engines are map-based, meaning you have to click on an icon to see the house and details. I prefer to see a lot of listings at a glance and then "drill down" as desired ... but that's just me.

HomePages

This website offers another map-driven approach to real estate search. As with most real estate search engines, you start the process by entering a city and state. After sitting through a map-zooming process that makes you feel like you're skydiving, you'll be asked for the usual follow-up parameters (price range, number of rooms, etc.). Properties for sale are presented as icons that you can click on to learn more about.

Personally, I didn't like the interface because it doesn't show as much data at a glace as other real estate search engines -- you have to sort of scroll around the map to find what you want, and that annoyed me. From my perspective, it seems to be another one of those websites that's so "slick" it's just plain hard to use. But that's just me!

Trulia

Trulia bills itself as delightfully smart real estate search. Their "About" page offers a more detailed description: "We are a real estate search engine that helps you find homes for sale and provides real estate information at the local level to help you make better decisions in the process."

From the home page, you simply enter a zip code to see real estate listings for that area. You can also refine your search by price range, number of rooms or bathrooms, etc.

Like many real estate search engines, Trulia is powered by Google Maps. Trulia has customized the Google application to show pushpin icons for each property listing, which adds a nice visual element to the search.

You can use Trulia's real estate search engine with or without an account, but if you sign up for a free account you'll be able to save your searches for future convenience. If you like Trulia and plan to use it often, I recommend creating an account. It will save you a lot of time on future visits because you won't have to enter your search parameters all over again (unless you want to).

Yahoo Real Estate

Yahoo's real estate search offers a lot of information in addition to property listings. You can also find information on schools and neighborhoods through their site. But this is an article on real estate search, so let's stick with that.

From the home page of Yahoo Real Estate, you can search for homes, apartments, or even home values. For homes, you simply enter the city and state and hit enter. You are then shown a map with icons representing homes for sale.

Hover your mouse over an icon and it will show the listing price. Click on the listing price, and it will pop up a bubble with street address, a thumbnail photo, and a "learn more" link. To get around the map, you simply click-and-drag with your mouse (as with MapQuest or similar mapping sites).

NeighborhoodScout

NeighborhoodScout is a different sort of real estate search engine. As the name implies, this website focuses more on neighborhoods than actual home listings. Here's how they describe themselves:

"NeighborhoodScout is a web-based patent-pending neighborhood search engine that uses neighborhood statistics to build neighborhood profiles that allow individuals and families to instantly find the best neighborhoods for them, in any part of the United States they choose."

So if you're relocating to a new area, this website might help you refine your search by narrowing it to a few select neighborhoods.

A Word of Caution

When using any real estate search engine, you need to understand they do not operate in "real time." The accuracy of a real estate search engine is determined by the age or "freshness" of their data, which varies from one search engine to the next.

Also, while a real estate search engine can be a helpful research tool, they do not take the place of a qualified real estate agent. If you are new to the real estate world, I strongly recommend that you have professional help when buying or selling a home.

* You may republish this article online if you retain the author's byline and the active hyperlinks below.


Brandon Cornett is a real estate marketing specialist in Texas. If you enjoyed this article on real estate search engines, visit the author's website at http://www.armingyourfarming.com

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How to Choose your UK Mortgage

By: Solutions Vids on 02:25

This quick guide shows you potential mortgage choices for each type of borrower. Please note that this is a general guide and we should stress that you are always better off talking to a specialist mortgage adviser General One thing that applies to almost all types of mortgage is the choice of a fixed rate mortgage or one with a variable interest rate. The best choice depends on your own circumstances and to an extent on interest rate levels at the time, but things to consider are: * Can you afford to have your payments go up each month? This could happen with a variable rate mortgage. * Are rates generally low at the moment? It could be a good time to get tied into a fixed rate mortgage. * Do you want the security of a fixed monthly payment for several years? Fixed rate periods from 1 to 10 years are available. * Are you having difficulty borrowing enough money? An interest only mortgage can mean lower monthly repayments ie you can borrow more against your salary. But there are drawbacks. To understand which option will suit your circumstances, discuss your options with a UK mortgage specialist, who will advise you on suitable choices. Here are some specific tips depending on your particular mortgage needs First Time Buyers As a first time buyer, you are likely to have some particular requirements. You will probably have a very small deposit or possibly no deposit at all. You may be having to push your budget to the limit just to afford a mortgage, but are determined to get a foot on the property ladder. There are several suitable solutions: · 100% mortgages to many lenders offer 100% mortgages aimed at first time buyers. These are normally repayment mortgages and can be a good option to get you started. · If you have a deposit, but can't afford large monthly payments, an option to consider might be an interest-only mortgage, where your monthly payments only consist of interest, and you don't make any payment towards the capital sum. · Choose a mortgage term longer than 25 years to it may seem daunting but many lenders will offer mortgages with terms up to 40 years. Any of these choices can be a good way to get started in home ownership, with a view to moving to a better deal in 2-5 years time when you have some equity in your property and are perhaps able to afford larger monthly payments. Remember, very few people stick with the same mortgage for 25 years anymore. It is normal to change mortgages for a new deal every 2-5 years. Self-Employed Mortgages Getting a mortgage for self-employed people has always been a bit more of a challenge. Even if your business is well established, it can be hard to prove your income and since mortgage lenders assess your ability to pay based on net income, you could find that they underestimate your borrowing ability. So what are the choices? · Self-Certified Mortgages. It is not necessary to provide audited accounts and to prove your income, although you will still be required to provide some evidence that you can afford the monthly payments. · If your business is well-established, and you can provide 3 years or more of audited accounts, showing a stable income, you should not have too many problems. Lenders are more flexible than they once were. As with other specialist mortgages, it can be worth getting the advice of an Independent Financial Adviser to make sure you get the best deal for you. Already a Homeowner? If you are already a homeowner (with or without a mortgage) then you might want to release some equity from your home to give you a cash lump sum. This means that if you have paid off a significant amount of your mortgage and/or property prices have risen, you can benefit from some of the "profit" that is locked into your house without having to sell the house. Lenders provide a variety of packages for doing this, but they are generally described as "equity release" mortgages. Typically you will be able to borrow up to 95% of the equity in your home, given to you in a lump sum which you then pay back like a normal mortgage. This can be used to pay for home improvements, lifestyle changes, home repairs to almost anything, really. Get a Better Mortgage Deal Don't forget that just because you have a mortgage, it doesn't mean that you can't get a better one that will cost you less, or alternatively a mortgage with a shorter term so that you can pay it off sooner. Hunt around to whether you want to find a more competitive interest rate, a long-term fixed rate deal or you want to increase or decrease the remaining duration of your mortgage to you will probably find a lender who is able to offer just what you want, and could save you a significant amount every year. Discussing your requirements with an IFA can often help uncover the best mortgages, which sometimes come from quite minor building societies. Big Bonuses, But a Low Basic Salary? If this is you, then you might find it difficult to get a repayment mortgage that meets your requirements. This is because bonuses and overtime are hard to predict, not guaranteed and are normally excluded from your assessed income by mortgage lenders. This means you could end up being offered a much smaller mortgage than you think you can afford. The solution to this could be a flexible mortgage. A relative of the interest-only mortgage, flexible mortgages have monthly payments which are interest-only, but allow you to make ad-hoc repayments towards reducing the capital sum. For example, if you get a quarterly bonus, every 3 months you could make a payment towards reducing the capital sum of your mortgage, whilst paying smaller, interest-only payments each month [from your salary]. Flexible mortgages like these can be helpful for anyone with an unevenly distributed income who receives occasional large payments, rather than solely receiving salaried income. Are You An Expatriate? As an expatriate, your mortgage needs are a little different. Buying property abroad is difficult with a UK mortgage, although there are some high street lenders that have affiliated with foreign lenders, particularly in Spain, to provide easy access to mortgages in some other countries. On the other hand, many expatriates look to buy a property in the UK in preparation for their eventual return. This is more straightforward and there are several big lenders who can assist with this. The best approach is probably to find an IFA who has experience of setting up this kind of mortgage and see what they can offer you. There may be some complications but it should certainly be possible. Buying To Let? Buying to let has become very popular in recent years. Whether you count yourself a professional landlord or are just looking to buy a second property to rent out as an investment, buy to let mortgages are fairly mainstream now and as such are quite widely accessible. You may notice some differences to residential mortgages: · Can only borrow up to around 75% of property value · Mortgage terms may not be extendable beyond 25 years, often less still for interest-only deals. As with all mortgages, you will have to undergo a credit check and will have to provide some evidence that the property you are buying is a suitable business proposition to i.e. you can rent it for a suitable amount and/or can make the payments yourself if needed. Want To Let Out Your Home Temporarily? There are times when homeowners want to let their home on a temporary basis to perhaps they are moving abroad for a year or two, or elsewhere in the UK, but want to maintain their main home and rent it out to cover the costs of the mortgage. Most residential mortgages will allow you to do this to exact terms and conditions will very from lender to lender, but as long as you tell your lender you want to let, you will probably find they are happy for you to do so. Are you a Muslim, Looking for a Sharia-Compliant Mortgage? Islamic mortgages used to be almost impossible to obtain in the UK, but in the last 5 years, the number of lenders offering mortgages that comply with Sharia law has grown considerably. It is now possible to get an Islamic mortgage for your house from several high street lenders with no more difficulty than a regular mortgage. Islamic mortgages available in the UK fall into two main categories. By far the most popular are mortgages based on the Ijara principle. Also available are mortgages based on the Murabaha principle but these tend not to be affordable to most borrowers, especially younger people just starting out. Getting Divorced, Need Two Mortgages? Getting divorced can be a difficult and traumatic experience, often not least because of the financial complications. These can cause people with previously exemplary financial records to get into problems, and can sometimes make it difficult for the divorced individuals to get mortgages. A few lenders now offer mortgages aimed specifically at the needs of the newly-divorced, with a number of features designed to help people back onto their feet, financially: · Fixed interest rate for up to 5 years · First few months at 0% interest · The lender will include maintenance payments (alimony) in their assessment of your income when determining the amount that can be borrowed. · Can borrow 100% of property value if needed · Choice of repayment or interest-only mortgage There are not many of these packages around (Yorkshire Building Society offers one example), but they can really help divorced people through the difficult process of finding a new home and re-establishing their financial situation. This article is written by MortgageSorter, a UK mortgages website that has been helping normal people understand []UK mortgages for over 5 years. It has a special section on UK []Mortgages for people with a bad credit history and has the []latest best buy UK mortgages. Article Source: http://EzineArticles.com/?expert=Ed_Parry Article Source: http://EzineArticles.com/328582

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Do Employers Look Down On Online Degree?

By: Solutions Vids on 20:47

Online education has become a trend and popular channel for many students and working adults to earn their degree. Online education creates a flexible and convenient environment for students to earn their degree while maintaining their preferred living style. But, many still doubt about the value of online degree, you may concern on how your potential employer will look at you during the job interview if you degree is earned through online education. Do employers look down on online degree? You may ask. This is an important question that needs to be answered because you need to ensure that your degree you going to earn through online will helps you to start your career smoothly after graduation.

According to Market Data Retrieval, a Connecticut-based firm that supplies education marketing information and services shows currently there are more than 4,700 accredited higher education institutions nationwide and nearly half of these schools offer an accredited degree, with the majority putting courses online. In fact, more and more prestige and reputable traditional universities offering online degree program that enable their students to attend online classes from remote locations. This is a good indication that online degree programs are widely acceptable in the job market else the online education will not grow so tremendously.

In fact, employers are more concern about "fake degree". If you are earning a degree through online degree program from a reputable and properly accredited online university, your online degree has no different than those earned from "brick & mortar" universities. There are many online degree scams, most commonly known as diploma mills offering fast-track degree through their "fake" online degree programs where you can earn your degree extremely fast, some are within a few days. The degree earned from diploma mills is totally unacceptable in the job market. If you apply a job position using degree issued by diploma mills and is found out by the employer, the employer will definitely look down on your degree in concern to the "fake degree" instead of online degree.

If you have decided to pursue your degree through an online degree program, you need to spend some time to search for a right online university. There are many online universities offering the degree of you choice. What you need to do is get as many program information as you can from those online universities, then review each and every one carefully, eliminate those online degree programs that are not meeting your requirement AND those sound suspicious to be "fake" degrees. Once your short listed the degree programs that at the first glance are recognized and properly accredited, your next step is to confirm the accreditation of those online universities with the accreditation database from CHEA.org. Those legitimate and accredited online universities are listed in this database. As long as you are getting online degree from properly accredited by a recognized accreditation agency, you shouldn't face any problem when you use this degree to start your career later.

Summary

Online degrees is compatible with on-campus degrees and it's accepted by most of employers if your online degree is earned through a reputable online university that is properly accredited by an accredited agency that is recognized by U.S Department of Education.

Amelia Turner, an educational article writer for http://www.your-online-degree.info You can find more details information and free resources about online education and financial aids and other online degree programs information that can help you to make decision to earn your degree online.

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Distance Learning And Online Degree

By: Solutions Vids on 20:27

Distance Learning and Online Degree:

With the advent of the Internet the mode of education has changed drastically. From distance education the word has changed to Online Education where the method of teaching has become virtual.
Additionally, course materials will be sent by post, which they can finish at home An online business degree is best suited to working executives who can finish their course at their own pace and do not need to lose work to attend classes.

2. How will an online business degree help your career?

An online business degree is one of the best possible ways to enhance one's academic qualifications. Many fortune 700 companies appreciate employees who have a higher academic degree and consider such degrees as a criterion for promotion. This means that even if you work hard and exhibit good professional ethics, you may be sidelined when it comes to promotions and pay hikes.

3. Getting qualified through an online course serves three purposes:

1. It enhances your academic standing

2. It does not require you to lose your job in order to make time for learning.

3. You can learn in your leisure time and use it productively to enhance your career.

Online Degrees are available all over the Internet from valid accepted Universities to fake Diploma Mills that churn out diplomas without need for anything other than cold hard cash.
While the advantages of the Online Degree providing colleges are many the fact remains that the fake diploma mills are adversely affecting the reputation of the legitimate degree providing colleges.

Legitimate Online Degree College vs. Fake Diploma Mills

Universities and colleges online have to be accredited and the best ones like Phoenix University are, but there are again, the 'life experience' degree providers like the Belford University that create fake accreditation agencies and then accredit themselves, causing students looking for shortcuts to believe that these are legit institutes and are merely showing them the way out.

However, when all online degree holders enter the practical world looking for a job carrying their 'online diplomas' these fake diploma holders cause the legit degree holders to lose out as potential employers lose faith in the 'online degrees' so many of which are useless.

The latest trend in education is distance education where you can attain an undergraduate and graduate, certification or professional degree with the help of advanced technology of Internet.

It is gaining popularity owing to the fact that it can be obtained without leaving your job and can be done at your own pace. Owing to this sudden popularity in distance education, more and more universities are introducing online degree education.

With the wave of intensive growth in distance education comes another problem which is that of fraudulent online degrees.

Universities need to make a profit in order to sustain in the growing competition. The statistics behind online universities indicate that online universities are growing by 33% annually [International Data Corporation Online].

The benefit that the universities offering online courses are that they need not worry about infrastructural expenditure and they can reach out to people across the globe.

The difference between a fake degree online and a valid one is that fraudulent online degree universities are called 'degree mills' as their main focus is in fast production and distribution of fake diplomas. They just offer credit for life experience and if you pay your fees you get your diploma. You don't have to worry about practical experience. If you pay a little extra, you can even graduate with honors!

The problem arises when this life experience is not accepted by state and federal laws and you face the problem of looking for a suitable job.
A legitimate online college can be recognized against a fake one by checking out the actual web address which is usually offered by The Internet Corporation for Assigned Names and Numbers (ICANN), the international organization that dispenses domain names (web addresses).

Accredited schools will receive the .edu designation. For example, Stanford University's web address is Stanford.edu which authenticates that they are genuine online universities. Next you can also check from the list of accredited schools provided by US Department of Education.

What is the 'The Diploma Mill Police'?

Diploma Mill Police is an online resource to identify if the diploma you have received from an online university is a valid one and is from a fully accredited institution.

To authenticate your degree, GetEducated.com, has launched a free online service, The Diploma Mill Police (TM). This is a free service offered by the website and helps students as well as employer to put forth their grievances regarding the accreditation of their online certifications.

All you need to do is to submit a query to check on the accreditation status of any online college operating in the USA. A Consumer Seal of Approval is also provided by GetEducated.com which genuine accredited colleges can use on their site after being screened by an authorized deputy of the Diploma Mill Police.

Is getting a fake degree worth the effort. Will it get you a job in a Fortune 700 company?

Getting a fake degree may cause lot more problems than benefits. It is a very big risk to buy a fake degree from a diploma mill as well as to claim that you have a degree which rightfully you are not worthy of.

You are shelling out enormous money and the people who are scam artists can get away with it but you can be victimized. The problem arises when this life experience is not acceptable by state and federal laws and you face a problem which acquiring a suitable job.

Students might be thinking that getting a diploma from an unaccredited university will save them the drudgery of studying and they want to out for an easy way out by just paying some money and buying a diploma.

The Diploma itself typically looks impressive and is indistinguishable from a real college or university diploma. Clearly the diploma mills have no integrity and are not worried about the injustice to the students like you who have worked hard for your degrees.

The fake degree may even lead to your prosecution as in the case of a dozen teachers in Georgia who claimed to have Doctoral degrees from the bogus Saint Regis University were caught in 2003. Similarly in May 2004, nearly 500 government employees lost their jobs when their degrees were checked.

It would be sheer luck if you acquire a job in a Fortune 700 company with the help of a fake degree as these companies undertake rigorous investigation to check the authenticity of the degrees.

If by chance you manage to get a job, you are always under pressure on when you might be fired, if they get to know about the fact that your degree is a fake.

Fake online degrees are a meaningless, waste of money because wherever, you use the degree; it will be validated as 'fake'. Is that true?

Getting a fake online degrees is a meaningless, waste of money because wherever, you use the degree; it will be validated as `fake'; this is true to a certain extent.

There are chances that you will acquire a job in smaller companies who do not undertake rigorous screening of certificates of their employees. You might get away with it for sometime.

However, as you go up the ladder or look for a job in established companies you might come across the ground reality that your degree is just of piece of paper. A fake online degree has more problems than benefits. You will always be under the pressure that you would be caught for your fake certificate.

Students might be thinking that getting a diploma from an unaccredited university will save them the drudgery of studying and they want to out for an easy way out by just paying some money and buying a diploma.

The diploma itself typically looks impressive and is indistinguishable from a real college or university diploma. But the truth is employers know which degrees are worth it and which have been bought.

Some FAQs Accreditation and College Degrees

1. What is accreditation?

Accreditation is an assurance. It is a type of authorization given by an authorized government institute. The reason for accreditation is to give online degrees required recognition. In addition to this, it is also to ensure the quality of the program being offered.

2. What are the types of accreditation?

Regional accreditation boards provide the most recognized form of accreditation. For instance, Harvard and Ohio universities are regionally accredited. Stanford is also regionally accredited.
Whenever you come across people asking you whether you have attended an accredited university or not, they generally refer to regionally accredited universities. Hence, regional accreditation is the most preferred form of accreditation.

3. What is the significance of accreditation?

Accreditation provides a public record of your degree. A degree from an accredited institute is recognized by employers and companies all over the world.

4. What are the six regional institutes for accreditation?

There are about six authorized units responsible for accrediting online degrees. Namely they are:

NASC - Northwest Association of Schools and Colleges

NCA - North Central Association of Schools and Colleges

NEASC - New England Association of Schools and Colleges

SACS - Southern Association of Colleges and Schools

WASC - Western Association of Schools and Colleges

MSA - Middle States Association

What is programmatic accreditation?

At times, the special departments in accredited universities require special accreditation. The teachers licensing board requires a degree from accredited universities. Also, to accredit certain programs, the government requires a college to be accredited.

What do I need to know about State approved Universities?

Presently, there has been an enormous increase in State approved Universities. Many states have a test which a university has to pass, in order to be approved.

This process however is not equivalent to accreditation. It simply means that the college is approved to do business. The standard and quality of the degree is not ensured.

The above given FAQs comprise of basic information regarding distance learning. If you choose for an online degree, you should keep in mind the above points.

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A Guide To Online Degrees - Considering Getting Your Degree Online

By: Solutions Vids on 20:26

In today's world, the job market is become extremely competitive. Most of times, whenever there is a job vacancy available, there will be dozens of applicants trying very hard to compete to get that position. Same goes for a job promotion, many of your colleagues at the same level are waiting for a promotion to higher managerial position, you have to complete with them with some advantages in order to win the position.

The most two important factors which the employers or the bosses will scrutinize seriously during the process of evaluating their candidates are "Working Experience" and "Educational Background". Your competitors may have equally or better working experience than you in the required field, if you do not have the related degree on the required field, you will be at the losing edge in term of education background.

You may thinking of go back to school to earn your degree but you are not willing to quit your current job or stopping your current income is impossible for you as you have family and children education to support with. With that reasons, you keep holding your decision to get a college degree for career advancement. But with the available of online degree programs, your reasons are not valid anymore because through online degree programs, you can earn your degree while continue with you current life style.

Online degree programs are increasing in popularity and creditability, more and more prestigious colleges and universities offer complete online degree programs taught by the same faculty who teach in their classrooms. Subject areas range from business to nursing, degrees from Bachelor to MBAs and Ph.Ds. You should be able to find your preference degree from these online degree programs.

Through online degree program, you can pursue your degree courses basically through any location as long as you have access to internet; and most online degree programs allow you to plan your own learning pace with a very flexible schedule. These advantages give you flexibility to plan your leaning schedule from home so that it does not crash with your working schedule.

If you are considering of earning your degree online, there are a few other factors to take into consideration in order to ensure you earn a worthy degree which have value to your career and within your budget. Starting with this article, we initiated a series of articles with title "A Guide To Online Degrees" to guide you on everything you need to know about online degrees. These series of articles will include timely tips and advice to help you in making a decision to pursue an online degree. The topics that will cover by "A Guide To Online Degrees" article series include:

Advantages of earning a degree online
Is online degree right for you
Considering online degree pricing
How to choose a prestige online school
How to identify online degree scams / diploma mills
Degrees that are offered online
How to apply for online degrees
Where to get financial aids to fund your online study
Where online degrees lead students
Online degrees focusing on careers
Wish you choose a right degree online that bring you a bright future. See you on next series: "A Guide To Online Degrees -Advantages of Earning A Degree Online".

Jullie Havert is the author of http://www.studykiosk.com. This site featured over 120 online universities and you can get more information on over 1000 of Accredited Online Degree Program at this site.

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Learn About Earning an Online Degree and the Advantages

By: Solutions Vids on 20:24

After reading this article concerning online degrees, you should be able to make a wise decision on whether an online degree is for you. You should be able to help your friends with the amount of knowledge you will have gained on this online degree information.

Online degrees show the way to many rewards because students can use the training toward a career. Online universities allow students to earn a degree selecting from more than a hundred of degrees online, consisting of Certificates, Six Sigma Cert, Masters, Bachelors, Doctrines, PhD, and Diplomas. The advance online education universities facilitate students to choose at what time they will take curriculums and where they want to take the classes. Students can earn degrees in three years or less. In addition online universities propose flexible schedules and pay plans making online degrees more to your development. The universities facilitate students to choose their own time for learning and to go to classes.

Institution of higher online education schools has a tendency to be less trying, operating around schedules and pay plans. From time to time if the student is behind schedule on assignments, the schools allow grants for extra time.

Added online degrees comprise of commerce, healthcare and information technology. The degrees offer a flourishing prospect, because all three businesses are rising. The new-fangled renew growths near-term make it capable to earn a wealth of money annually. What's more, the vocations completed with the degrees pose the possibility of losing.

Going through the rest part of this article, you will be able to see just how important the online degrees can be too many people.

The manufacturing areas in many fields are growing, for that cause if you are taking into consideration online degrees take into account which degrees can reward you. Once more, healthcare, technology and business are on the rise which will promptly pay quiet money to any schooling costs. Considering the outcome of earning a degree online as greatly so as considering about the kind of degree you want to achieve.

Think about; criminal justice degrees are obtainable at the online educational programs. Thinking about this degree, we see the choices of studying about law, courts, juvenile courts, politics, government, correctional justice, regulations, society and ethnics, moral, history of law, crime and other areas of learning come together while earning a degree in this field.

You pay around $15,000 at few online universities to earn a degree in this field. At some online schools, you can get away with an associate degree which offers comparable qualifications in the workplace, paying only a thousand for the degree. Nevertheless, once you complete the degree and choose to work in the law enforcement, most times, you will earn fewer than $30,000 per year, and be in danger at all times.

In comparison, you can imagine that it will take you longer overall to repay your school costs, yet it will occur. On the other hand, you can choose a degree in the healthcare industry. You can shell out about $15,000 for a bachelor's in healthcare management. On the other hand, perhaps somewhere an online school is proposing healthcare management courses for less, say around $2000. Throughout the course of earning your degree somewhere in between, you can establish work in the healthcare industry. You may begin as an intern, but slowly work into a specialist in the healthcare industry.

During your first year as an intern, you may make around $30,000 or more annually. During your first specialist year in the workplace, you may earn more than $60,000 annually. After you move ahead, you will begin making more in the industry. As you can see in the first year, you paid for your degree twice and made no income expenses. However, after the next year of work after the IRS finishes getting their cut, you have more than doubled your money and paid for the time you used up going to online universities.

Thus, what is the gain of earning a degree in a field where your earnings seldom increases? Sure, you can land a paying job in particular fields that propose better wages, but still is the time really worth it? Is your life really worth it?

As you can see, what is inside you factors into earning a degree on or offline? If you want to become a law official then the low annual gross earnings won't concern you. On the other hand, if you want to earn big cash at your work, then certain online degrees are more to your benefit than other online degrees have to offer.

The next time you have questions regarding online degrees, you can refer back to this article as a handy guide.

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Online Degree Tips - Your Guide To Online Degree Programs

By: Solutions Vids on 20:22

Is an Online Business Degree Right for You? Deciding if an online business degree is right for you is an easy task. With the wide selection of programs, flexibility and personalized formatting, an online business degree is a great choice for any one new to the business world or those that are very experienced but looking to learn more. These degrees can be obtained in many fields of business, for examples, accounting, general business, leadership and marketing. Many colleges offer these business degree, but three well know, accredited online colleges are Ashworth College, Kaplan University and Walden University. To decide which online business degree is right for you, it is best to decide what your career goals are or what your current job calls for. For instance, if you want to start your own small business, then a degree in marketing may be your best bet. But, if you are currently a manager at your place of business then a leadership degree may get you the skills you need to get a promotion and a raise in your current career. Other individuals may pursue an online business degree in order to change careers. Many nurses, teachers and other non-business career holders seek online degrees while working at their regular job. Applying is easy. All you need is a high school diploma or G.E.D and a wilingness to learn. Depending on your previous college experience and work history, you may be able to obtain your business degree in as little as six months. Before deciding on a university that you are interested in, make sure that they are accredited and the staff has extensive experience in the field that you are interested in. Once you have decided to enroll, getting started is easy. Most colleges offer year round enrollment so that individuals can get started on their studies right away. After enrolling, most online programs make the coursework available for immediate download so that you can start that very day itself. What are the Advantages to Completing an Online Bachelors Degree? An online bachelors degree is a four-year college degree that an individual completes and earns through the Internet. The biggest benefit of an online bachelors degree is that it usually takes less time to complete. Most individuals can complete their online bachelors degree in as little as three years. If you have prior college credits to transfer or relevant work history to consider, then you can complete your degree in as little as six months. Another benefit to completing an online bachelors degree is that the course work is extremely flexible. Classes can be taken any time throughout the day and you never have to leave your house. All course work is completed via the Internet either through downloadable lessons or virtual class times. The average online bachelors degree program requires at least twenty hours of course work a week. But since the course are completed online, individuals can work faster or slower, depending on their schedule, as long as the course is completed within the allowed time frame. The standard time frame for the course work of an online bachelors degree is one class every five weeks. This schedule allows a student to concentrate solely on one class or module at a time ensuring that they learn all of the information presented in that session. This is an advantage over traditional four year colleges because with an online program you can devote your time to each session without being distracted by other classes and information. Tuition payment is also easier with an online program. Online degree programs qualify for the same tuition assistance that on-site programs do. Therefore, individuals can apply for student loans, payment plans and employer reimbursement programs. Plus, some online colleges allow the student to pay as they go, cutting down on upfront college costs. Earning an online bachelors degree is a perfect way for individuals that are currently employed full time to further their careers. By studying online, individuals can keep their regular job and still earn a degree in record time. To qualify for enrollment, you are only required to have a high school diploma or G.E.D. Since no prior college education is required, online degrees are also the perfect choice for someone that must work full time to pay for. If you are contemplating earning your bachelors degree, then an online bachelors degree program is definitely worth researching. Why You Should Choose an Accredited Online Degree An accredited online degree is a college degree that is received through Internet studies offered by an accredited college. This means that the school or university that is offering the degree has been approved by a national or state board of education. In order to offer an accredited online degree a college must offer its course work and lesson requirements to the board of education for approval. The board will then go through that course work and make sure that it adheres to the industry standards for completion. When contemplating completing any type of degree over the Internet it is best to do so with an accredited online degree provider. Accredited degrees are more reputable and the credits transfer to other schools should you ever decide to further your education again. Online degrees can come in many forms. You can earn an associate's degree, bachelors or masters degree or even a course completion certification diploma. To earn a masters accredited degree online, you must first possess a bachelors degree from a regular or online college. To earn a bachelors accredited online degree, you need to have at least a high school diploma or G.E.D. With both degrees, you can shorten the amount of time it takes to complete by having prior college credits or related work experience. It usually takes about three years to complete an accredited online degree. This time frame is based on a curriculum of at least twenty hours of course work a week. Some degrees, like a specialized law degree, can take up to four years to complete. By choosing an accredited online degree program as opposed to a regular degree program, you are choosing a degree of a higher standard. With an accredited degree, there will be more choices opened up to you and more occasions for advancement. What are Accredited Online Degree Programs? Accredited online degree programs are college programs that are offered over the Internet by certified schools and universities. Accredited online degree programs are tested and approved by state or national education review boards. There are many different types being offered on the Internet. These programs include degrees in many different fields such as accounting, law, business management and healthcare. A few well-known schools that offer accredited online degree programs are Phoenix University, Concord Law School and Pierce University. Accredited online degree programs usually offer a completely off-site program, meaning that the student can access everything they will need to earn a degree from the comfort of their own home. Also, these online degree programs usually offer downloadable lessons that can be accessed and completed at any time during the day or night. However, some programs do require the attendance of virtual meetings or classes that are put on at certain times throughout the day via the Internet. To find out which degree program is right for you, you first need to choose a field of education that interests you. After defining your field of interest, seek out a school that specializes in that field. Accredited online degree programs are very useful for those individuals seeking to further their education while continuing full-time at their present job. Some even offer credits for work already completed in the same field as the sought after degree. These credits are usually based on work or life experience. Also, some programs accept credits from other colleges. Applying prior credits toward accredited online degree programs will help to shorten the length of time required to receive your new bachelor's or master's degree. While some programs can take up to four years to complete, prior credits can reduce your education time by up to two years. How to Get Your Bachelors Degree Online Getting a bachelors degree online can be a fast and easy way to further your career. But before you enroll, there are a few important things you need to know. First, you'll want to make sure that the college that offers the online degree is accredited. School and universities are accredited on a state or national level. This accreditation means that a board of education has researched and approved the schools curriculum and course work. Next, you will want to make sure that the school is highly recognized and that the bachelors degree is transferable. This helps because someday you may want to further your education by completing your masters degree and you will need to be able to transfer your bachelors credits. Prerequisite to getting a bachelors degree from any university, you must first have at least a high school diploma or a G.E.D. It also helps to have some college or previous work experience under your belt. If you have previous college credits, then they can be applied toward your bachelors degree program and shorten the length of time that you will need to be enrolled in school. Without previous college credits, most bachelors degree online programs take up to three years to complete. This time frame is based on an individual that takes at least twenty hours of course work a week. With prior college credits, or by spending more time on course work each week, some individuals can complete their bachelors degree online program in as little as one year. To decide which college or university to enroll with, it is best to decide what type of degree program you need. Many colleges offer these programs but some specialize in different fields. For example, a person who wants a bachelors degree in business night want to go with Ashworth College, while a person that wants an education degree would want to go with Penn State University. Once you have chosen a bachelors degree online program, you need to research its class schedule. Many online programs allow you to download the course work and complete it on your own schedule, but some programs require that you log on to the Internet for virtual class sessions a few times a week at a designated time. Lynne O'Connor has many years experience of online business and educational resources and provides free advice at http://www.homeworkinguk.com/online-degree Article Source: http://EzineArticles.com/?expert=Lynne_O'Connor Article Source: http://EzineArticles.com/41140

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CRM Solutions Providers

By: Solutions Vids on 07:34

CRM solutions providers are companies and individuals who provide solutions to build a good and profitable customer relationship. CRM is the abbreviation of Customer Relationship Management. In the present world, CRM has become a milestone in businesses strategies. It assists in building new business strategies which will not only improve relation with the customer and but also to enhance the prospects of overall business. Today, CRM has become equally important to small, large, and medium business organizations.

Increase in the demand of customer relationship management (CRM) has lead to the popularity of CRM solutions providers. CRM solutions providers are broadly classified into two - in-house CRM solutions providers and hosted CRM solutions providers.

In-house CRM solutions providers are also known as customized CRM solutions providers and on-demand solutions providers. Generally, in-house CRM solutions providers give solutions to meet the specific needs of a company or a customer. They give business solutions to all types and sizes of companies. Based on the size of the company or organization, in-house CRM solutions providers usually take three to twelve months for the complete implementation of their program. In-house CRM solutions providers have many added advantages when compared with hosted solutions providers. In-house CRM solutions providers generally have an intimate knowledge of the legacy systems in the organization. Thus, their programs are easy to install and maintain. Usually, in-house CRM solutions providers give solutions for sales, marketing, and other services. In-house CRM solutions providers are more costly, when compared with hosted CRM solutions providers. For example, an in-house CRM solutions provider will charge around $2,000 to $3,500 for a business service.

Hosted CRM solutions providers are better known as outsourced CMR solutions providers. This type of CRM solution providers simplifies the entire management process, and thus reduces the risk and increases the value of the businesses. Hosted CRM solutions providers have solutions for sales, marketing, and other major services.

When compared with in-house CRM solutions providers, hosted CRM solutions providers are more cost-effective. Generally, hosted CRM solutions providers will cost around $70 per month for a medium size business organization. Therefore, it is widely used by small and medium-sized business organizations.

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Solutions For Acne Problems

By: Solutions Vids on 07:32

Acne solution can help a lot in treating acne. Different solutions are available in the market to get rid of the problems caused by acne. You must not be carried away by the solutions that claim to cure your problem. You need to spend some time and make careful analysis of the different solutions and find out the one that will solve your problem. The nature of the skin is very important in choosing the solution. Sensitive skin will be affected adversely when the wrong solution is chosen.

Proactive solution is a popular acne solution that is developed by two dermatologists. This solution will cure the existing blemishes and will prevent the formation of new blemishes. Thereby the infection is controlled from spreading to other areas and the problem is also cured effectively. Proactive solution can be applied in the whole face or can be applied to specific areas depending on the needs.

The acne solution combines with the self repairing system of the human body to cure the problem. These solutions will stimulate the repairing process thereby providing faster cure. Acne is caused by the accumulation of dead cells along with the dirt and the sebum. The solution clears up the pores and removed the oil from the caps so that pimples are prevented from increasing in size. Then they will fight against the bacteria and hence further infection is prevented. When the bacteria are all killed the solution will rejuvenate the skin so that new cells will be produced and the pimples disappear. When you don't scratch your pimples you will not have scars reminding your acne problem. Though modern treatments can remove the scars you have to spend more for those treatments.

The proactive solution works in three stages. In the first stage, the solution will act as a cleanser clearing the skin as it includes benzoyl peroxide for the purpose. It includes small grain particles that are used for clearing the dead cells. The second stage will let the solution act as a revitalizing toner so that all the dead cells are effectively removed and the skin is toned. Now the skin is ready for the actual treatment. The third stage enables the benzoyl peroxide to act as a lotion to fight against the infection. After the complete treatment the skin will look fresh.

The proactive solution is found to be very effective in treating acne. Many people use this solution for curing the pimples and pustules that are formed because of acne. Though this is a very popular acne solution many fear of the side effects that may be caused by the chemicals. As a result of this fear they start using the natural products. Natural products are always safe and they are also found to be effective in treating acne. The vitamins will nourish the skin from inside. Many doctors suggest the intake of vegetables and fruits that contain natural vitamin sources. Proper diet and regular exercising will strengthen the immune system and hence your body can effectively fight against the infection.

Various acne solutions are available in the market in the form of creams, gels and ointments. These can be used for treating mild acne. If you have pimples, you can apply these creams on the affected area so that the pimples are reduced in size and finally cured. While buying acne products you must be careful about the ingredients of these products. When they say the products are natural understand that these products contain extracts from natural sources. These products are found to be effective against acne nut for some people they create side effects like pigmentation and darkening of the skin. People who have sensitive skin must carefully choose the product that doesn't cause irritation in the skin.

Many people use acne strips for curing acne. These strips have to be applied on the affected area. After some time, the strips are peeled off. These strips contain medicines that work directly on the pimples. This is also an effective treatment for acne and many people are making use of this solution. This will provide instant relief from the itchiness and irritation. You have to wash your skin properly before using the acne strips.

Many people prefer natural solutions for treating acne. They may use sandalwood oil, rosewood seed oil, tea, lemon juice, honey and other products that are available in the kitchen. Surprisingly these home remedies are also found to be effective in treating acne but there are no scientific proofs for these solutions. Teenagers who have acne can definitely try out home solutions as they will have mild acne. For adult acne, these solutions will not cure acne. They must take special treatments like laser treatments for treating their problem.

The way the solutions work is different for different persons. This is because of the difference in the skin types as well as in the reasons or acne. While choosing acne products you must take the type of your skin into consideration. If an oily cream is applied on an oily skin, then the acne will become severe because of the excess oil. You can consult a skin doctor and get your products prescribed by him.

Different solutions are available for acne but none of them are found to produce instant results. You have to give time for the solution to provide cure. The solution may take about 2 to 3 weeks for curing acne. Once you have started taking acne treatment you have to continue the treatment for about 6 months so that you strengthen the health of your skin. A healthy skin will not create many problems. Many people keep on changing the acne products periodically because they find nothing to be useful. But this is not a great idea. You have to try a solution for six months and even after this long time you don't find any improvement you can consult a doctor to change the product. For certain skin types the cure will be slow.

Visit Acne Articles [http://www.acnearticles.info] to know about Acne Home Remedies.

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The Various Types of Water Solutions Being Used in Industries and Chemical Laboratories

By: Solutions Vids on 07:29

There are different kinds of water solutions used intensively in industries and chemical labs today and many companies are providing them for other companies who need them. It so happens that each type of solution may vary in concentration and strength and different industries may demand for different types of such mixtures. Thus, it may be imperative to communicate with your supplier to discuss your specific needs. These chemical solutions would range from reagents in aqueous solutions to indicator solutions, each of which has different uses and different properties.

Perhaps one of the most widely used chemical solutions is buffer solutions. At the same time, they are the most naturally occurring solutions in nature. Did you know that seawater and blood are some of the best examples? Buffers are actually mixtures of a weak acid and its salt or a weak alkaline and its salt. An example is the mixture of acetic acid and sodium acetate. Buffer solutions are vitally important in controlling the pH range of the system where they are present. This pH control is important in many industrial applications that include manufacture of chemicals. In processes involving biochemical reactions, a limited pH range keeps such reactions at normal pace, whereas too much acidity or alkalinity could slow down or stop chemical reactions. Thus, buffer solutions are important in fermentation process and in pH measurement.

Another kind of water solution is indicator solution, also known as acid-base indicators. These are actually solutions of weak acid or weak base and are used to determine whether a solution is alkaline or acid. However, most indicators work only within a particular range of pH. The common indicator solutions include thymol blue, methyl orange, bromthymol blue, phenolphthalein, and bromphenol blue. These solutions are basically used in analytical chemistry when titrations are needed, during which a color change can indicate the alkalinity or acidity.

Standard solutions are another type of laboratory solutions used in titrations. The importance of these solutions comes from their determined concentration which is basically ideal in appropriate measurements of the presence of a substance or solute in a solution. Standard solutions are expressed in their normality or molarity. Substances used include acids like acetic acid, sulfuric acid and hydrochloric acid in aqueous solution; bases like potassium hydroxide and sodium hydroxide; and salts like potassium chloride, calcium chloride, and ammonium sulfate. Since the standard solution has a known amount of a substance, this can be used to determine the precise amount of another substance during chemical analysis. For example, if you have a solution of sodium hydroxide whose concentration you need to determine, a standard solution of hydrochloric acid may be used. By computing the amount of HCI needed to neutralize the solution, the amount of NaOH will then be calculated.

Aqueous solutions may also include percentage solutions, which are more comprehensible to people with little knowledge in chemistry than molar solutions. A percentage solution may refer to the proportion of the mass of solute to the mass of solvent. Nevertheless, there may be differences. For instance, percentage may mean volume to volume ratio or, in some cases, mass to volume ratio. However, the use of volume may not yield accurate measurements in thermodynamics, since volume changes with temperature and pressure. In any case, percentage solutions are used to determine the amount of solute present in the solution. This is relevant during chemical analyses and computations.

There are also conductivity standard solutions manufactured by water companies for their own use or for other companies' utilization. Conductivity standards are important in testing pure water quality, which involves a test to determine the electric conductivity of water. Such conductivity standard solutions contain potassium chloride (KCI). Since the aim of any analytical measurement is accuracy, standardized solutions are deemed necessary in preparation and testing of chemicals.

Jo is an author and publisher for 'The-Water-Company.com', an established UK stationed high quality water supplier for more than thirty years, serving products like deionized water and demineralized water to a wide variety of consumers in UK, Europe and all over the world. If you have a good quality water solutions needs then check out The-Water-Company.com.

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Problems Vs Solutions

By: Solutions Vids on 07:27

No, that is not the way problems and solutions relate to each other. Problems and solutions do not work against each other, they work with each other. There is no taking of sides because they are within each other, which at times might seem impossible.

The statement that every problem is born with its solution has been said in many ways over the centuries by some wise people. One of the most common quotes is, "A problem simply cannot exist unless the solution for it exists at the say time". The street slang translation of this is, you got problem than you got solution. When you think of problems and solutions, think of the yin/yang symbol with that little dot of yin within yang and the little dot of yang within yin.

That being said, problem solving should be a simple thing to do. But, as you know that is not always the case. Finding your solution is often overshadowed by your think, think, think conscious mind. Combine experiences held in your subconscious with your logical thinking, and you can come up with dozens of reasions for not being able to see your solution. You also might be thinking so hard about your problem that you simply have no energy left to look for a solution.

Sometimes the solution is a path that leads to a lesson that will help in your life's journey. Sometimes the search for a solution takes you into the unknown. Deepak Chopra has said that the unknown is full of potential. To get that lesson or potential you first have to shift your focus from the problem to the solution. When you are focused on the problem, blinders block your view of the solution. How many times have you or someone you know talked about a problem, but never mentioned the word solution? In the course of your typical work day how many times do you hear the word problem, or words that imply a problem? How many times in that same period do your hear the words solution or answer?

Have you ever let your dog off his lease, looked away for just a minute to do something, and then when you look back he is gone? You stand there calling and calling your dog's name until finally you just give up and turn around. At that point you see your dog sitting patiently, and no doubt wondering why it took you so long to turn around. When you turn around and shift your attention away from the problem, sometimes the solution is right there in front of you.

Meditation and Japanese styles of Usui Reiki help you to learn to shift your focus from energy draining problems, to a state where you can see solutions. The way in which Reiki looks at well-being as opposed to the illness is a good example of overlooking the problem in order to see the solution. Medical professionals focus on the illness so that they can diagnose and prescribe treatments. Reiki professionals trust in universal wisdom and focus on the health and happiness of the life form that they intend to move into the state of well-being. Hippocrates said, "The physician treats, but nature heals"; nature looks at the vitality of health, not the disease.

When you are looking to find a solution there is an air of harmony, instead of the disharmony created by your view of the problem. When you focus on finding a solution the problem becomes out-of-focus, and that fight or flight response often created by problems melts away. An example of the problem going out of focus when you look beyond was shown in the movie Patch Adams. Patch was shown that when you focus on 4 fingers you see 4 fingers, but when you allow your focus to go beyond those fingers you see more.

In my article "'Universal Key to Happiness', on this site, I write about when working in what was once called a mental institution I became locked in a hall in an abandoned section of that building. The problem was innocently created when I followed my curiosity and the habit of closing doors behind me. Nevertheless, it was a problem that when focused on created several negative images in my mind. I learned that day that some doors only open from the outside, and was reminded that answers do exist if we look beyond our problems. It just happened to be the day that maintenance people were working on a section of an attached building. One man just happened to be someone who was willing to take the time to listen to me calling out the window, and then find someone with a key to one of the locked doors.

Focus is an important thing. If I had kept me focus on the light fading in that hall with all exit doors locked, I would have spent a long cold dark night alone in that hall. Looking out the window for my solution allowed me to see the men packing their tools in their truck on the ground below that window. One of those men was my solution.

Sometimes the solution is easy, but cannot be seen because your focus is fixed on the symptoms or side-effects of a problem. When this happens and you cannot even see the problem, and you have no idea of what to look beyond to see the solution. Have you ever focused so strongly on the symptoms or side-effects of a problem that you never actually recognize the problem? Before you can allow yourself to open up and look beyond the problem you must first recognize the problem.

Once you know your problem, then one-focus meditation or a guided meditation can help you to uncover the solution. Being in altered state of mind can even help you recognize the problem if you are too focused on the side-effects of the problem. Going into meditation, or joining with the light if you have completed a level in a style of Usui Reiki, allows you to be in a different state of consciousness. Albert Einstein said, "No problem can be solved from the same level of consciousness that created it". Have you ever turned your house upside down looking for something, but found it only when you turned your attention to something else?

I have been giving guided meditations in both my meditation and Reiki classes since 2002. They always vary with the class and the students within the class, but I had been asked over and over for recordings of them. When I looked at recording my guided meditations problems immediately flooded my mind. Then one day I said to the students asking, you tell me how and I'll do it. When I said that, I was looking beyond the problem and the answer to the first step came immediately from one of those students. Once I had the first step in my solution everything else fell into place. Finding a solution to any challenge requires that you first look beyond the challenge, regardless of its size.

The solution does not have to be for more material things, careers, or relationships. It can be the solution to not having the time to write that letter to a relative or friend. The solution to a room that seems drab can be as simple as bringing in a lamp from another room or adding a pillow to the chair of sofa. Nevertheless, even simple solutions cannot be seen if your mind is filled with too many thoughts. When you go into the stillness between your thoughts and focus on the solution, it is the friendly solution you will see and not the disagreeable problem.

Regardless of what one-focus or guided meditation you try, you might not find the solution for world peace, but you can find the solution for peace in your corner of the world. Wouldn't the entire world be an even nicer place to live if everyone was focusing on solutions and not problems in their corner of the world?

The next time you are faced with a problem of any size, stop before reacting. Stop, take a deep breath, let go of worries, look beyond the problem and once you see the solution then act based on the solution rather then reacting based on the problem.

Through Usui Reiki Ryoho, meditation, and herbs Roberta R. Barnes is dedicated to the art of well-being. Roberta has reached the highest level in both Western and Japanese styles of Usui Reiki. Her focus is teaching and practicing Gendai Reikiho & Komyo Reiki, and meditation. At the request of students Robeta Barnes had recorded 2 of her guided meditations on an easy-to-use CD. These meditations not only relax your mind, but take you on a journey to find your solutions that have not been able to see. Roberta is also an Herbalist Consultant. She will travel to give talks on Reiki and herbs, and to teach Gendai Reikiho or Komyo Reiki. Her healing room Natural Healing & Learning Center is nestled in the tress in a certified wildlife habitat in Maine, USA. For additional information please visit her website http://www.naturalhealinglearning.com

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