How Can My Credit Score Impact My Education and Career?

A credit score indicates how consumers handle debt. Understanding how credit scoring works is useful for making decisions about student educational loans and other credit that can potentially impact your education and career goals. The Fair Isaac Corporation developed its credit scoring (also known as FICO scoring) system based on weighting five aspects of a consumer’s credit history to achieve a score between 300 and 850.

How is my FICO Score Computed?

35% = Payment history: This category includes payment information on retail accounts, auto loans, mortgages, revolving credit, installment debt, and student loans. Delinquencies, repossessions, bankruptcies, wage garnishments, and liens are included. Public filings such as legal judgments can also show up and negatively impact your score, even if paid. Negative items on your payment history can lower your credit score for 7 to 10 years!

30% = Amounts owed: This category includes how much you owe and the percentage of available credit used for revolving accounts. A good way to improve your credit score is to avoid running up large balances or using more than 30% of your available credit.

15% = Length of credit history. The average consumer has approximately 14 years of credit history, but this isn’t necessarily true for students or those who’ve recently started careers. Repaying student loans on time provides a solid foundation for establishing a good credit score.

10% = New credit: Credit scores reflect new credit activity. Opening too many accounts too quickly can drop your credit score. It’s important to understand the difference between opening new credit accounts and credit inquiries; for example, if a potential lender or employer makes an inquiry it impacts your credit score less than applying for several credit cards in a short period of time.

10% = Types of Credit Used: The types of credit you have influences your credit score. Financial expert Suze Orman categorizes student loans as “good debt,” like mortgages or auto loans, but advises against opening and carrying balances on multiple credit cards. College students may be tempted to use credit cards as a financial “bridge” until payday, but this can result in accumulating excessive debt.

Student Loans: The Gateway to Your Future

As the cost of undergraduate, graduate, and professional education continues to increase, students are taking advantage of low cost federal student loans. According to the Project on Student Debt and the College Board’s Center for Economic and Policy Research, approximately two-thirds of recent graduates carry student loan debt and over the past decade, student debt levels have more than doubled.

These figures suggest that many students start their careers with significant debt before they’ve had a chance to build a solid credit score. As public academic institutions continue to face budget cutbacks and tuition increases, students may have to rely more heavily on student loans and credit cards to get by; this can have negative consequences for students’ credit scores and may even delay or divert career plans.

Career Transitions and Your Credit Score

If you’re considering a mid-life career change, a good credit score can help you obtain financing for the transition to a new career. It’s important to weigh short and long term financial goals when considering taking on student loan debt. Consulting a financial advisor can help establish a plan to fund your career transition while protecting your credit score.

Consolidate Student Loans

Traditionally, the interest rates for federal student loans are low–between 5% and 7.22%. Students can include multiple student educational loans that have different or variable interest rates into one consolidation loan with a fixed interest rate and single payment. The interest rate for consolidation loans is based on a weighted average of the interest rates of the different loans included in the consolidation.

Federal student loan interest rates are adjusted on July 1 and, on July 1, 2008, are expected to decrease significantly. Consolidating student loans fixes your interest rate and can help you avoid late or missed payments caused by managing multiple student loans; you may want to wait until after this year’s interest rate adjustment, however, to make an informed decision whether or not to consolidate.

When Should I Consolidate My Student Loans?

Students often consolidate loans during the grace period immediately following graduation, but it’s also possible to consolidate while you’re still in school. This may get you a lower rate on your consolidation loan but be aware that some loan cancellation or other specific loan benefits could be lost if you consolidate before you graduate or during your grace period.

Understanding Student Loan Debt

Unfortunately, it can be tempting to borrow more than you need for educational expenses. And it’s easy to forget that unlike grants and scholarships, student loans must be repaid, which can cause financial problems and damage your credit before you even have a chance to establish a good credit history. Late payments and collection activity on student loans leads to low credit scores–especially if, like many students, you have a short or limited credit history. A low credit score can limit the availability of some student loans and other types of credit including mortgage loans. And borrowing more than you need may affect your plans long after you’ve graduated–a 2006 Money Magazine article describes how some college grads are delaying buying a home or starting a family while they repay large student loan balances.

The Connection between Your Credit Score and Career

A spotty credit history can not only make it hard for you to get approved for loans, it could even ruin your career plans. Low credit scores can limit access to business loans and prospective employers often conduct background checks that include verifying your credit score. When you interview for jobs you may be asked to sign an authorization that allows prospective employers to check your background. Employers in the financial and retail industries and professions such as accounting and law typically use background checks as part of the hiring process, and a low credit score is a valid reason to deny employment.

Careful use of student loans can provide for your education and help avoid unnecessary debt. Managing student loan debt through prompt repayment and possibly consolidation can help establish a good credit score. Your education and credit score can open doors to your new career, and later, help you get financing for expanding a business, starting a company, or investing for your future.

Kelli Smith is the senior editor for Edu411 is a career education directory for finding colleges and universities, training schools, and technical institutes.

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High Speed Education and the Internet

As a parent you want your child to have ever advantage they need to succeed. You want to put them in the best position financially, educationally, mentally, emotionally and physically, and you want them to take advantage of the opportunities that you give them. Your parents taught you how to be tough, how to roll with the punches, how to be open-minded, and how to recreate yourself to match with the changing times, and now it’s your turn to impart values into your child that will get them ready for their world, one wrought with uncertainty and challenge.

The key to preparation is education, and in a world mediated by technology, education means gaining access to resources and publications through the Web. The question of the Internet can be like a Rorschach test for families — is it the gateway to opportunity, knowledge and success, or is it a fearful place full of predators and unseemly video footage? The truth is that the Internet is both. As a parent it is vital to examine both sides of this learning tool to know just what you are offering to your child.

First, let it be known unequivocally that the Internet is here to stay. With the advantages presented by high speed and the ability for the business, education and public sectors to communicate, market, and distribute information at unprecedented speeds, the Internet has solidified its footing as a permanent technology. Knowing how to present your child with the educational opportunities afforded by this online resource is your job as a provider.

Most parents don’t know the best research databases and online catalogs, and few feel comfortable using search engines. Even if you are a computer literate parent your best bet as a provider is to visit your local library and speak with an Internet or “search” specialist at their information desk. Librarians are not only trained in locating print sources, but since 1990, have been required by most colleges to study online databases and search techniques. Come home to your child with a list of search engines they may use to research books and homework topics and be prepared to sit with them as they look through the sites. You may not hold the key to this online resource as a technology, but you can still be a supportive parent by being with your child when they have questions about what and when to study.

The Internet excels as an arena for sharing ideas and information because of its liberal and efficient nature. Anyone with access to a computer and a modem can post (nearly) whatever they want on a webpage. This allows for tremendous access to ideas and opinions but also serves as a staging ground for potentially unseemly viewing and reading for your child. To ensure that your child sees only appropriate material, make sure your child is viewing material that is only screened through parental control settings. If you have a computer at home, access your computer’s Internet preferences to block categories of websites that you find unacceptable. If you do not have a computer or at home, or if your computer does not permit the “block” setting, have your child access the Web through the local library. Most library computers come set with parentally controlled website preferences and are under constant surveillance by the librarians.

As a parent, you know that the Internet affords excellent opportunities for your child’s educational success. Ensure their achievement by utilizing your library’s resources and your parental common sense, and keep your child on the path to achievement.

Mr. Oliver is a marketing agent of Cavalier Sales Agent. The telecommunications company provides phone and Internet services throughout the Mid Atlantic region. For more information on their Phone and High Speed Internet Services [] please visit their website.

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How Attending a Small Liberal Arts College Can Do Wonders For Your Education and Your Career

Have you ever considered attending a small liberal arts college? I think you should carefully contemplate and investigate that option. The education you can receive is top-notch. The individualized attention you receive from full professors who teach classes can be a marvelous side benefit of these wonderful colleges.

A small liberal arts college doesn’t have a law school, a medical school, a business school, or a graduate school. Its focus is on undergraduate education, and in many cases it does an excellent job of this mandate. Of course, there are advantages and disadvantages of attending a college rather than a university, and I will list just a few of them here.

Small liberal arts colleges have definite advantages and disadvantages when it comes to college life. I’ll just mention a few of things you should consider in making your application decision:

  • Full professors generally do the teaching. There are seldom any Teaching Assistants or Research Assistants teaching classes. Thus, undergraduates are taught by experts in their fields.
  • Colleges generally have small class sizes. The student-faculty ratio is low – often below 10 to 1.
  • Everybody knows you.
  • Professors know you well. I have two children who attended small liberal arts colleges and both of them blossomed tremendously as a result of their experiences.
  • Liberal arts colleges are especially beneficial if you want to go to professional or graduate school, such as law, medical, or graduate school.
  • The emphasis on undergraduate education.
  • Usually these small colleges partner with larger institutions for course they don’t offer, such as engineering programs, business courses, etc.
  • When you attend a small college, it’s easier to be a big man on campus

Some of their advantages are also disadvantages:

  • Everybody knows you. Some people would like to sit back and relax without always being around people they know.
  • The small liberal arts colleges often lack variety and diversity. Al of the students may seem to be cut from the same mold. They may be of predominantly the same religion, socioeconomic status, etc.
  • Campus life can be boring. They don’t have high-adrenaline Division I Sports programs and the excitement and enthusiasm such a sports program frequently brings to campus for current students and alumni. Social life can be limited.
  • Sometimes the professors know you too well. You can’t hide.
  • Life on campus can be like living in a fishbowl. Everyone knows what everyone else is doing.

So the small liberal arts college has pros and cons. Decide for yourself if you like what they have to offer. A campus visit should help you decide. Also talk with current students.

Ultimately, whether you decide to attend a large research university or a small liberal arts college will not make the definitive difference. The deal-maker or the deal-breaker is you. In actuality, you are the one who will make the principle difference. So be the best you that you possibly can and wherever you decide to attend college can be greatly beneficial to you.

Angela Arnold is an educator, author, and college consultant. A parent of five college graduates, she helps students get accepted to their dream colleges. Ready to learn more about the college application process? Watch this brief video about liberal arts colleges at Be sure to visit her website

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Physical Therapist Assistant Salary and Job Description

Physiotherapist Assistant or PTA jobs

Usually the assistant to physiotherapist is health care worker. Specific job entrusted to the assistant is to teach the clients the ways of effectively coping with the limitations in movements, functioning and activities. Naturally the assistant would perform such job under the overall supervision of a licensed physiotherapist. Multiple types of jobs are available and the salary structure also varies widely.

Job License

In most of the states it is necessary that the assistant also gets a license. Regulatory bodies in U.S and Canada categorize the assistants as support personnel.

Job Titles

Various titles are attached to the job. Accordingly the assistants are designated as the physiotherapist aide or assistants, and at times as physiotherapist attendant. In addition these assistants are also called as rehabilitation aide or assistants, restorative care aides or therapy assistant.

Job Specification

Physiotherapy focuses on physical functioning as well as abilities of the individuals and may not be confused with occupational therapy that aims at maximizing the daily activities in human beings. Duties may be diverse as they are often entrusted by the physiotherapist.

Job Chart

Job chart of the physiotherapist assistant includes –

Clinical care of patients;

Education and support for addressing physical and psychological self care;

Assisting program planning;

Ensuring submission of timely and accurate information about the patient;

Implementation of treatment plan under the supervision of the therapist;

Assisting in self mobility development in the patient;

Assisting the patient in his or her individual cognitive programs;

Conducting group activities or exercises; and

Maintenance of equipment inventories.

Salary Structures

Physical Therapist assistant salary on average ranges from $45,000 to $84,000 in United States and Canada according to a recent survey conducted in the beginning of the year 2010. Assistants with basic qualifications of diploma, and certificates, or associate degree combined with formal training may start at $45,000 per annum on average. In addition to the basic qualification they should have the first aid and cardiopulmonary resuscitation certificates as well.

Higher Ranks

With growth in experience and consequential expertise, and the ability to handle multiple tasks simultaneously, the job descriptions of the assistant will change. Consequentially he or she would draw higher salaries that could go up to maximum average of $84,000 per annum. Salaries will also vary depending on the company, location, industry, experience as well as benefits accrued.

One of the fastest growing sectors generating vast scope for employment, physiotherapist assistant’s job can ensure handsome salaries. State university website has a comprehensive database on Physical Therapist salary enabling aspirant candidates to check and compare the career opportunities available.

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Pursuing an Education and Career in Game Art and Design

The video game industry has a large global market, which creates numerous career opportunities. The work completed to develop and design a game takes numerous professionals focusing on the aspects that make game play possible. To enter this field students will need to obtain certain skills that can only be obtained through higher education. Pursuing an education and career in game art and design can easily be done by first researching the available options.

The optional programs that students can enter include several concentration areas and degree levels. The primary options that can be completed inside vocational colleges are at the certificate and associate’s degree level. Within training students can work through programs that focus on game art and design such as game software development and video game design. Each area although highly interconnected explores a wide range of topics and skills associated with the industry to prepare students for careers. Educational programs train students to understand the techniques used to implement the base codes and the graphic design features utilized to design games. Students should consider all educational options to ensure the programs completed help them reach their career goals. Possible career options include becoming:

  • Level Designers
  • Video Game Programmers
  • Game Interface Designers

Students can enter jobs that pertain more to the programming side of the industry or focus on obtaining positions related to the creative side of the field. Both reward students with lucrative careers in this continually growing field. Programs develop the knowledge of all the key areas that need to be mastered. Students that start their educational training in vocational colleges will graduate with the knowledge to understand the latest techniques and technologies.

Video game and development programs provide entry-level knowledge in programming, software engineering, and multimedia design. Students gain the ability to develop games using multiple computer environments. This often includes using digital media and different desktop software. Programs are concentrated on making students confident when using digital graphics and design principles. To establish career skills and confidence, programs incorporate numerous courses dedicated to the technical side of the field. Students work through courses that cover interactive multimedia, web animation, C++ programming, and 3D modeling. The concepts of game development are explored when students learn about the theories of game play, artist collaboration, and intricate storytelling. Students that step into programming careers will write the codes that make game play possible. The work completed can include storyline maps and character composites.

The more creative aspects of the industry are explored and learned inside video game design programs. Students receive practical training that provides them in depth education in digital animation, scriptwriting, and character development. The technologies of the field are used to prepare students for careers. Animation software packages and scripting languages are major areas studied within a program. Computer skills are essential in this industry and students will explore the different components of the field through specific courses. Topics may include level design, photo editing, and game texture mapping.

Further training in game art and design can be pursued at the bachelor’s and master’s degree level. Training is crucial to professional success so students should begin learning about how to create video games by enrolling in accredited college programs. The National Association of Schools of Art and Design ( and other agencies, are approved to qualify game art and design schools and colleges that offer a quality education for full accreditation.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at

Copyright 2010 – All rights reserved by

Renata McGee is a staff writer for Locate Game Art Design Schools and Colleges as well as Online Game Art Design Schools at, your Partners in Education and Tuition Assistance Programs.

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.