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There are two kinds of people in life: those who continue learning well past the last ringing of the high school class bell, and those who are trudging through life praying for retirement.

In my own life, 40 has finally arrived. Am I old? No. Should I feel old? Why?

School is twenty years in the past for myself, and yet, everyday is a learning experience for me. I am still learning astronomy and engineering from The Science Channel, and I am engaged in a daily pursuit of learning to be a better computer programmer.

I was one of those unlucky soles in that I graduated from high school in 1983. My choice career since 1979 was that of a computer programmer. In 1983, when I entered college, I was stoked. I was going after my dream to be a computer programmer.

Unfortunately, I was relegated to gaining my education from a two-year college, whose computer science teacher chose to live in the past. The college that was close to my home was my starting point in my college career, and they were stuck in the technologies of the 1960's and 1970's.

While in high school, I had been privileged enough to be able to have Personal Computers in the classroom. I was able to be schooled in computer programming on TRS-80's (fondly called Trash 80's by those who used them) and on the first Apple Computers to enter the marketplace.

The writing was on the wall. The future of computer programming was in the personal computer market. Yet, our instructor would only teach us Fortran, an already dying language. (By the mid- to late-1980's, nearly every major business had done away with those massive mainframe computers that relied upon the Fortran operating system.)

It was a very frustrating time in my life. I left college, disillusioned in the fact that I could not learn the kind of programming that I wanted to do in my life.

Move forward eleven years into the future. It was 1994 and Windows 3.11 was the computer operating system of choice. Now, that was a long time ago.

In 1994, I hooked myself up with my first personal computer, and then began the self-teaching process. In 2001, I began teaching computer programming to students who were paying for Adult Continuing Education courses as our local vo-tech.

For me, programming is an everyday learning experience. This past weekend, I was finally able to break through in my understanding of a concept that I had previously had a lot of problems in comprehending.

It was two days past my 40th birthday, and I had a major learning breakthrough. Even at 40, I am still young in heart and mind.

If I were to contribute only one thing to my youthful feelings that would be the fact that even at 40, I find time in my day to learn new things.

Are you continuing your education, or are you among the poor folks who are praying for time to race by so that you may enter into retirement? (the average person lives only 3 years past retirement. why should you be racing to the grave? instead, contemplate the possibility of racing to a life worth living...)

Adult Continuing Education is a worthwhile endeavor, whether you are 25, 40 or 85. Please endeavor yourself to learn something new today. You will feel much better once you have done so.

Contemplating earning a degree online?

Depending on the course of study and field of specialization you’re interested in, there are lots of accredited degree programs that offer an excellent and convenient educational experience.

There are over a hundred undergraduate and graduate online degree programs. Too many to list here, so I’ll just give you a small sampling of some popular educational programs to get you started:

AIU Online – Earn your degree online in record time. Degrees in: business administration, criminal justice, information technology, visual communications.

DeVry University – Students have the ability to interact with faculty and other students while they earn their degree. Degrees in: business technology, information systems, human resources, business administration.

University of Phoenix – A superb national reputation for providing working professionals with quality education. Degrees in: business technology, education, nursing.

ITT Tech – ITT Technical Institute offers accredited online programs that can help you develop the knowledge and skills that can be used to enhance your technical career.

Kaplan University – Earn your degree, advance your career, and do it all without missing a day of work. Degrees in: business, criminal justice, technology and design, paralegal. Certificates in: forensic nursing, legal nurse consulting, financial planning.

Walden University – For 30 years, Walden has helped adult learners balance their personal and professional commitments while earning a respected degree. Convenient online Ph.D., masters, and bachelor degree programs.

The Art Institute Online – Start your career in design with distance learning programs that focus on multimedia, web, game art, graphic and interior design.

Clayton College of Natural Health (CCNH) – CCNH can prepare you for a rewarding career in natural health, holistic nutrition, naturopathy, and herbology.

University of Liverpool – Earn a masters degree from the university for business professionals worldwide. Liverpool has earned an international reputation for high quality.

Concord Law School – Nationally recognized Concord Law School offers a Juris Doctor (JD) degree and an Executive JD degree that can be earned 100% online.


As you can see, there’s a large variety of educational opportunities awaiting you online. Whatever your goals, whatever your dreams, you can now more easily achieve them at your own pace, and in the comfort of your own home.

Distance learning has opened doors for many students, especially for those who cannot afford to pay for the high fees of full-time courses. Although online distance learning courses have many advantages over on-campus degree courses, many factors come into play in order to make this a success for students. Due to the differences in the way that education is being delivered and acquired, adjustments and changes in approaches need to be undertaken.

Selecting the right distance learning school.

The first element for success is to choose the right distance learning school. There are many unscrupulous “degree mills” around in the market that are only keen to sell their degrees without providing good education and ample student support. As a result, the degrees offered by these institutions may not be recognized, or may sometimes even be regarded as bogus degrees. In order to prevent this, do the proper background check on the institution you are considering with the relevant authorities to verify on their accreditation and authenticity before registering.

Cost-benefit analysis
Some students enroll in an online distance learning course without doing a cost benefit analysis of taking the course in the first place. It is a known fact that obtaining an education requires a hefty sum of investment. However, this should be compared with the potential additional income that can be generated from the degree that is earned. Only then can the full rewards be reaped from gaining an online degree.

Degree positioning to employers.

There have been many cases where employers were wary of the validity of online degrees. With so many online institutions selling degrees, it is justified for employers to exercise caution. Although a distance learning degree may be 100% legitimate, it would help if you provide adequate explanation on the accreditation of the degree in order to avoid misunderstanding. By stressing that the accreditation body which accredited your institution or your program is recognized by the US Department of Education as well as CHEA, you can then eliminate any doubts that employers about the validity of your degree.

Exercise discipline, determination and time management.

In the actual course of study, many students lack discipline and focus and therefore are unable to keep up with online lessons and assignments. It is very important for distance learning students to have great determination to succeed, as it is very easy to get de-motivated and distracted when you are alone with no peers. Good time management along with communication with other students would make excellent measures for success.

Make full use of facilities provided.

Many distance learning online courses offer online lectures and email correspondence to facilitate communication with lecturers, tutors and other students. These facilities should be utilized as much as possible as it provides a link back to the education institution. Furthermore, this would be a great source of motivation in order to keep progressing through the course of study.

Utilize credit transfers.

Most distance learning institutions allow students to transfer their credits from other courses that they had taken from other universities or colleges. This way, students will not have to repeat what they have already learnt. In order to do this, it is important for distance learning students to obtain transcripts and results from their previous schools and send them to their distance learning online university to obtain credit transfers.

Good utilization of technology for education.

The final element for distance learning success it the ability to make full use of the conveniences that technology has to offer. Many online universities provide students with online research resources that are valuable for completing assignments or producing research papers. The cost of facilities such as virtual libraries and online books has probably been factored into the fees paid and therefore it makes good sense to utilize these facilities to the fullest. 

With over 100,000 college students studying abroad every year, there’s bound to be all kinds of tall tales, urban legends, and misinformation swirling around. While there may be grains of truth in some of these stories, below are some common misconceptions about study abroad.

Misconception #1: Studying abroad is very expensive.

Truth: In most cases, it is actually cheaper to study abroad. Let’s say the tuition at your school is $5,000 per semester and room and board is another $4,000. Now add in the additional fees you have such as health insurance, books, and laundry. You are now well over $10,000 for the semester. Well, all but one of our programs in Spain is under $10,000 per semester and that includes everything except your airfare and spending money.


Misconception #2: I can’t use my financial aid to study abroad.

Truth: In almost all cases, your federal aid (Stafford loans, Pell grants, etc.) can be used to study abroad and in some states, you can use your state aid as well. It is also not uncommon for your federal aid to increase when you study abroad since some of your school scholarships may not transfer.


Misconception #3: Host families are all poor and just do it for the money.

Truth: The last thing any study abroad company wants to do is have an unhappy student on their program. The goal is for the students to be happy so that they will tell their friends what a great time they had. If we were putting students in bad families, in dangerous neighborhoods, then no one would ever recommend us to their friends. Since the number of universities that endorse our program doubled over the last year, it’s a pretty sure bet that students are happy with our choice of families.



Misconception #4: I’ll be so busy with schoolwork that I won’t get time to see the country I’m in.


Truth: This one is hysterically funny since your average study abroad student comes home with about 400+ photos from a long list of countries. Students have plenty of opportunities to travel and we even take our students on trips to give them a better feel for the country they are in.


Misconception #5: I might not graduate on time if I go abroad.

Truth: If you have already used up all of your elective or general education courses, then it’s true that you might need to bulk up on courses before or after you go abroad. If you plan ahead, however, and leave some electives open to you, then you should be fine. The clear majority of students who study abroad still graduate in four years, despite being away from their home campus for a semester or two.


Misconception #6: Most of the world hates Americans, so I won’t be safe.

Truth: There’s no doubt that there are a lot of people who don’t like the American government, but that has nothing to do with the American people. If you compare the violent crime rate in the United States to that of European, Australian, or Asian countries, you will see that the United States is actually far more dangerous. There are some areas of South America and Africa that are not especially safe, but there are also many countries on those continents that are incredibly safe. Go to the U.S. State Department website and check out the crime statistics on the country you are interested in to see how safe it is.

Studying abroad is a once-in-a-lifetime opportunity that every college student should take advantage of. Before dismissing it due to the bad experience of one friend or rumors you have had heard, speak with your study abroad advisor and get the facts. I guarantee that once you look at all that studying abroad can offer you, you’ll be hopping the first flight abroad.

One organization that help ensure that you have safest, unforgettable yet affordable study abroad experience is Academic Studies Abroad. Here are some of our very popular study abroad programs in the following countries:

-Study Abroad in Spain - Academic Studies offers study abroad programs in Barcelona, Madrid, Salamanca and Sevilla. Check out our program information at http://www.academicstudies.com/What.html

-Study Abroad England- Academic Studies offers study abroad programs in London. Check out program information at http://www.academicstudies.com/What_london.html.

-Study Abroad Italy - Academic Studies offers study abroad programs in Florence. Find information about our programs at http://www.academicstudies.com/What_florence.html.

-Study Abroad in France - Academic Studies offer study abroad programs in Aix-en-Provence and Avignon. Check out our study abroad programs at http://www.academicstudies.com/What_florence.html

-Study Abroad Ireland - Academic Studies offers study abroad programs in Dublin. Interested in going to Ireland? Check out http://www.academicstudies.com/What_ireland.html

Just a few short years ago, the idea of taking a college course through the Internet was something online “techies” considered. Now that people realize how convenience it is to take a class without leaving home, more and more people are taking advantage of using their computer to learn.

But while the technology used for online classes is so simple just about anyone can become an online student, you should ask yourself the following 5 questions first – and save yourself a lot of stress!

1) Do you have the time?
Many people think – mistakenly – that online courses are “easier” than traditional campus classes. But most online classes require regular participation. So, you must have the time to “log on” to your course several times each week, complete the assignments and do your homework, and interact with the other students.

All of this takes time…and, you have to account for the time you would normally have spent in the classroom. If you have the time, you will find taking an online class to be very convenient!

2) Do you have the discipline?
Sure, most online classes don’t require you to be on the computer at a specific time (although some do). So it is up to you to make sure you check in on your class several times each week. With a busy work schedule, sports, hobbies, housework, kids, it’s easy to put your class low on your priority list. And that could mean big trouble when it comes time to get your grade.

It’s not the teacher’s job to remind you to keep up with your work – that’s your responsibility. A simple way to make this work is to create your own schedule, so each week you know exactly when it’s time to “go to class”!

3) Do you have the money?
While there are many free or low-cost online “self help” courses available, college courses almost always cost the same whether you take them on-campus, or online. Colleges have to buy the software, train their faculty, and offer student services after hours – so expecting online courses to be less expensive is not reasonable.

On the other hand, the same financial aid is often available for online classes, just as with campus classes. So, money should not stop any student from furthering their education!

4) Do you have the right technical skills?
Fortunately, you don’t have to be a computer “genius” to take an online class. The technology has become very simple for students and teachers to use, so that students who can “surf the Internet” and use email usually have the necessary technical skills.

Before getting started, the school offering the course should have a sample course, tutorial, or other training to help you determine if there are any skills you need to learn, so you can become a successful online student!

5) Do you have the right computer equipment?
Since most online classes are taught through the Internet, students usually don’t need any special computer equipment. However, most online classes require students to have reliable access to the Internet, an email account (and the knowledge to use it), a word processor (such as Microsoft Word), and antivirus software. Check with your school to see if there are any other requirements.

A high speed internet connection is usually not required, but if instructors use graphics, videos, audio lectures, or other big files, a high speed connection (such as DSL or cable) will help you open the files, and do you work, more efficiently!

Are you ready now to take your first online class? Then it’s time to contact your local college, or search the internet for an online class directory, and see what online courses you can take!

With higher education tuition increasing at double digit year over year percentages an effective saving plan for your kid’s education is becoming much more important than it has been before. Most families will discover that their future higher education costs will be much more than they have saved for their kid’s education. This leaves many kids to be faced with obtaining financial aid to pay for a portion of their college education. The goal of this article is to explore the pros and cons of 4 common investment options when saving for college. This article will also explore why some of these options are better than other when considering a portion of your kid’s education may be funded by financial aid.

529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.

529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.

Uniform Gifts to Minors Act/Uniform Transfers to Minors Act

(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.

Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.

In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.

Copyright (c) 2005, by Jay Fran. This article may be freely distributed as long as the copyright, author's information and the below active live link is published with the article.