Types of insurance needed for college students

student-health-insurance-texasThere is more to paying for college than just tuition, books and related fees. Whether you are sending your child off to college or you are an independent college student paying your own expenses, certain types of insurance are imperative.

Health insurance

Under the Affordable Care Act (ACA), commonly referred to as Obamacare, children can stay on their parent’s health insurance plan until age 26. Parents must check with their insurance provider to determine if their college-bound child will still be covered when the child attends college far from home. The insurance company may consider the child’s new college home “out-of-network.” Assuming that an insurance plan covers family members no matter where they live can result in a costly shock if the student needs regular medical care or needs to see a specialist.

According to the C. Walter Searle Insurance Agency in New Jersey, most insurance policies only cover emergency medical treatment when a health care provider is out-of-network. So there will likely be higher deductibles and co-payments for seeing medical providers not in the network. Dave Evans, senior vice president of Independent Insurance Agents & Brokers of America in Alexandria, Va., recommends reviewing your health care plan during open enrollment season, according to Bankrate. Seek out a health care plan during open enrollment that is flexible on obtaining medical care from out-of-network providers.

Independent college students likely have the option to buy student health insurance. Kiplinger explains that while some student health care plans only provide basic coverage and treatment at a nearby affiliated hospital, other student health care plans are “more robust than in the past,” no longer setting annual and lifetime maximums. For healthy college students who think they are invincible and who fail to obtain health care coverage, medical-related costs due to an accident or illness can quickly mount into thousands of dollars of debt.

Car insurance

Car insurance premiums can go up or down for college students. Students who are driving for the first time or attending college far from home may pay higher premiums. You can have lower premiums if you do not take a car with you when you leave home to go to college. College students with a good driving record or good grades can reap benefits of lower car insurance premiums. Parents who have their college-bound students on their car insurance policy and students who have their own car insurance and are going away to college should contact the car insurance company to determine if their policy will change.

Insurance for students stuff

Ask a college student what needs insured and the response will likely be their “stuff.” Renter’s insurance is needed to protect all that “stuff.” Belongings may still be covered by the parent’s homeowner’s insurance policy if the student is living on-campus. If you are a student and you move to your own off-campus housing, you need to purchase your own renter’s insurance. Spencer Houldin, independent agent in Washington Depot, Conn. says that a basic renter’s insurance policy that averages $125-$150 annually will provide $15,000 property coverage and $500,000 liability coverage. If you live off-campus and have roommates, each of those roommates must each have their own renter’s insurance policy.

Top 4 Makeup Artist Schools

When the decision has been made to learn to become a makeup artist, the first thing that needs to be done is to choose a school that helps to accomplish that goal. There are several very good schools scattered all across the United and States and Canada that are dedicated to makeup artistry and hair design. Depending on what industry a student plans on entering into, will determine what type of certification or degree program they will pursue.

Make-up Designory Burbank, CA

mudshop-logo3Also known as MUD, the Make-up Designory has campuses in New York, Slovenia and Los Angeles. The application to the school is rather simple, consisting of only an online application and a $100 non-refundable fee. Students must present a high school diploma as well as other pieces of identification. Once enrolled, they can choose from several different programs. Multi-media makeup artistry, Film and Television Artistry and Fashion Makeup Artistry programs will help hone the student’s skills so they can adequately compete in such a hectic and exacting industry.

Cinema Make Up School Los Angeles, CA

cms_main_logoThe Cinema Make Up School offers programs that specializes in dramatic and theatrical makeup. Students learn skills including those needed for airbrushing, television, cinematography, prosthetics, special effects, FX, film, television, high fashion and beauty. The Cinema Make Up School has certification programs that are uniquely designed to teach the skills needed for individuals who want to succeed in the television and film industries. The skills provided through the school can help hone the existing talents of make up artists who have already started to make a name for themselves in the film industry.

Elegance International Los Angeles, CA

logo-big1Elegance International offers specialty programs that are uniquely designed for film and television. fashion make up, prosthetics and special effects make up skills. The school offers career services to its students. This program helps students with each and every aspect of searching for their ideal job. Counselors assist students with writing their resumes, searching job data bases, creating effective advertisements and designing personal business cards. They help students to find the financial aid they need to complete their schooling. This includes grants, scholarships and student loans that will cover the cost of their education and help them move forward until they can find a job in their chosen field.

Studio Make Up Academy

86ef9e4a3bf78f9420164e0588d1bc2bStudio Make Up Academy has professional instructors who have designed programs for students that cover several aspects of the make up industry. These include beauty, photography, fashion, television and theater. Students are taught by reputable instructors who have several years of experience in their respective industries. Students who have chosen to pursue a career as a make up artist can find courses at the Studio Make Up Academy that will adequately cover all of the subjects they will need to succeed in their particular field of choice.

Each of the schools listed above has a reputation of producing some of the finest make up artists in the United States. Instructors at each of the schools have dedicated their lives to producing the finest makeup artists who continue to pursue a high level of excellence in their chosen career.

Thinking of Starting a Bakery? 5 Schools to Consider

5 Best Baking and Pastry Schools in the USMany dream of owning their own bakery and satisfying the public’s palates with their very own baked creations. Although some believe that they can achieve success without the proper training, it is always wise to equip one’s self with the proper knowledge and skills to prepare you for your future endeavors. And where better to gain such knowledge and skills than from the best baking and pastry arts programs offered in the country.

According to Starting-a-Bakery.com, here are the 5 best schools that are sure to offer aspiring bakers the best training money can buy!


1)      Auguste Escoffier Baking and Pastry Arts Program

Auguste_Escoffier_School_of_Culinary_Arts_514487_i0The school, which is located in Boulder, Colorado and Austin, Texas, claims to teach its students the chemistry and artistry of baking and pastry making. They aim to give its students the best education, and so will be training you to do everything from classic baking techniques to modern ones. Their curriculum involves 20% lecture and 80% hands-on preparation, and it also includes a course on entrepreneurship.

2)      Culinary Institute of America’s Baking and Pastry Arts Program

site_logoLocated in California, New York, Texas and even in Singapore, the CIA has produced some of the most famous chefs that we’ve all come to know and love – Alison Reed, Oliver Kita, Duff Goldman, among others. The school, through its associate and bachelor’s degree programs, trains you to become not only an excellent baker or pastry chef, but also an artist, culinarian and businessperson – the complete package.

3)      Johnson and Wales University

imagesAt the Johnson and Wales University College of Culinary Arts, hopefuls will have a chance to learn basic techniques like how to create artisan bread and classic pastry, as well as acquire more modern skills such as that of the ability to create showpieces. You also get to take advantage of the most advanced machineries and technologies used in the baking industry and get the opportunity to gain some experience in some of the world’s best bakeries, hotels, restaurants and resorts.

4)      Le Cordon Bleu Baking and Pastry Arts Program

images (1)Le Cordon Bleu is probably the world’s biggest institution for hospitality education. Their program exposes you to a variety of styles in baking and pastry making to encourage you to be more versatile in the craft. They help you learn about the latest in global cuisine, without ignoring the basics. And they also allow you to work alongside the most talented and well-respected bakers and pastry chefs to help you reach your potentials and maximize your whole learning experience.

5)      The Art Institute Baking and Pastry Program

2014-04-10_1238Enrolling in The Art Institute’s Baking and Pastry Program doesn’t just mean learning the knowledge, skills and techniques needed of a baker or pastry chef, but it also means learning the knowledge, skills and techniques to become a successful one. They won’t just teach you the techniques, artistry, science and theories involved, but they will also prepare you for what’s to come after you graduate.

NY Law Schools Struggle with Bar Exams

NY Law Schools Struggle with Bar Exams

Image provided by harrislawsite.com

Compared to last year’s results, eight of New York’s law schools have presented with considerably lower passing rates. In 2011, New York based law schools were praised for their significantly improved results, but this time, the first-time examinees who took this year’s July bar examinations were a letdown. The state’s average pass rate lessened to 85%, with New York Law School dropping the most points, from 80% last year to 70% this year. They now fall last in the state’s law school rankings, with Tuoro Law Center four points ahead of them.

When asked about the bar exam results, Dean Anthony Crowell of New York Law was “very disappointed.” He shared that “No new dean wants to come into office with this kind of news. This is not what I would have expected of the school and I know that the school is better than this, the students are better than this.” Crowell was promoted to dean just before the exam this year, after teaching for nine years. Because of this, he now plans on forming a task force, called “Foundations for Success,” that will be conducting a “top-to-bottom review” of the latest batch of candidates.

Explaining further, Crowell says that the 2013 candidates “will have an individualized coaching and counselling plan. That to me is critical.” The schools programs will be re-evaluated to make sure that their students will be able to receive the best “counselling and support as possible.” The New York Law School holds the most number of first-time candidates this year – 464 to be exact. Be that as it may, its dean maintains that the school follows the same standards in the admission process.

Although he has emphasized that “The credentials of the class that just took the July exam are consistent with the class that had the 94 percent pass rate,” Crowell acknowledges that his students’ passing rates needs improvement. This is his number one priority. He also expressed, “I am more than confident we will bounce back in very short order.”

Meanwhile, the City University of New York Law School’s dean, Michelle Anderson, is greatly pleased with this year’s turnout. The school is most improved. Compared to last year’s 67%, the CUNY candidates’ 83.5% helped the school place seventh among the fifteen New York law schools. She is utterly proud “especially since this was the largest class of first-time takers.”  Anderson shares that “This year we developed a bar mentoring program for recent graduates that we think made a difference, and we plan to continue to enhance our bar support program for future classes.

Best Golf Course Superintendent Schools in the US

Golf is one of the most popular sports not only in the United States, but also in other parts of the world. This sport became so famous among the rich because they consider it as a prestigious sport. They get to exercise with less effort and it also helps build good relationships among players whether personal or business. In Japan, a golf game can even close a business deal!

On the other hand, a golf course employs a number of people and gives them a good opportunity to earn a living. Aside from the caddies, other positions such as golf course superintendent are also needed for the operation. But, what is this position? How can you land on this kind of job?

golf course superintendent

Qualifications and Requirements

If you want to become a golf course superintendent, you have to do the hard work. In this position, it is not enough to complete training; but there’s also a need to finish a course related to this field. You need to understand landscaping, design and be an expert in grass seed.  Here are some important things that you need to accomplish in order to become a golf course superintendent:

1. Look for a school that offers a related course such as Golf Course Management. There are a number of accredited institutions, so choose the best one for you.

2. Aside from finishing the course, you need to get a credit of at least 120 hours in order to be considered a “graduate”.

3. After graduating, go on an Internship Program and make sure to complete the required number of hours. This is also the best time to learn everything you need to know. You will be taught a lot of things and be tested on an actual situation, so it’s only “make or break” for you.

4. A background in Agriculture, handling people, administration and other related skills will be of great help in this job. Though there‘s a specific course for this, you’ll be a step ahead for having other useful skills sets.

5. Some of the attitudes that you should possess: passion to handle people, strong motivation and drive, customer-oriented, firm decision-making, detail-oriented and a lot more.

Golf Course Superintendent Schools for You

For formal education, you can find a lot of schools that can help attain your goal. Here are some of them:

1. Ashford University – Here, they offer diploma courses such as BA in Sports and Recreation Management that offers a variety of majors like Project Management, Marketing and Finance.

2. University of Florida and New York University – In these institutions, you will find a unique course like Parks, Recreation and Leisure Studies, which is very much related.

3. University of the Southwest – While others have Bachelor’s degrees, this school offers MBA in Sports Management and Recreation.

4. YTI Career Institute – While other schools offer bachelor courses, this school is specially built for different golf careers that offer intensive courses in customer service, operations, food and beverage, instructions, turf management, finances and everything that needs to be learned in operating a golf course.

If you love to mingle and has the passion for golf, a golf course superintendent position is just perfect for you. It may not be like the typical office jobs, but it gives a sense of fulfillment to see a golf course operating smoothly because of doing a good job.

Fashion Design: Important Class You Won’t Want to Forget

Fashion design is more than runway models and glamorous clothes. It involves creativity, design and tailoring concepts that will turn an ordinary piece of clothing into something striking and stylish. It goes without saying that someone who wishes to pursue a career in fashion design must be able to exhibit basic artistic talent. They also need several skills that must be learned through experience and classroom study.  If you are looking to get pursue a career in fashion at a department store or similar, you need a background in design.  High end department stores selling designer dresses and more want a designer from a reputable school.

Classes Needed for Fashion Design

Fundamental Technical Design – Fundamental technical design covers a variety of the basics, including sewing, tailoring, textiles and garment construction. Being able to draw your design, craft a pattern and then put the piece together are necessary technical skills that are needed to turn cloth into a wearable garment.

3-D Design – 3-D design allows a future fashionista to envision what a garment will look like when it is finished. Being able to create an accurate picture of the finished product will help in the crafting and construction process. The 3 dimensional aspect allows the designer to account for variations in fabric as well as fitting the garment to the model.

Fashion Theory – Fashion theory is needed so that designs are uniform and well structured. Lines, curves and angles are the key to what pulls a design together. Balance, color and soothing to the eye are all aspects of fashion theory that must be heeded if the piece is to be popular.

Fashion Business – Business in the fashion world can be quite unique. Not only must fashion designers please the critics, they must also make a name for themselves. Branding themselves with a particular style of trend, will get them noticed. The key is getting people to remember the brand and return time and again to see what new creations a person has come up with. Being unique and knowing how to market yourself is all part of the business.

Computer Aided Design

Today’s advancements in technology provide fashion designer with the ability to see a design progress as it is put together. Computer aided design can also render a 3 dimensional image that is much more accurate than what they could have drawn themselves. With special types of design software, a designer can change the color, angle, slope or even texture of a garment in an attempt to find the next new look.

The Fashion Institute of Design and Merchandising, Fashion Institute of Technology and Parsons the New School for Design are just a few of the most noted colleges and educational institutions that specialize in fashion design degree programs. Each one offers both Associate’s and Bachelor’s Degree programs in Fashion Design and related careers. It pays off to attend a college where fashion is the key concept and those around you are inspired by the same artistic drive.

Surrounding yourself with talented individuals who have the same goals and fashion sense can increase your motivation to succeed and help you stand out in a world where everyone is striving to be unique.

Top 5 Agricultural Colleges in the US

agricultureAgriculture is key in all parts of life. It is the cultivation of fungi, plants, animals, and other life forms used for food, drugs, biofuel, fiber, and other products. These products enhance and sustain human life. For this reason, agriculture will remain an important study in education. Some of the programs involving agriculture is animal and poultry science, Agri-business, general agriculture, plant sciences, equine business management, and pre-veterinary science.

When it comes to choosing a program of study, choosing the college to obtain your degree is just as important. Not only is it beneficial in achieving the best teaching, but it also looks good on your resume. This is the reason, we decided to provide the best of the best. The top 5 agricultural colleges in the US.

5. Purdue University – This great University offers 7,500 different courses and have awarded a total of 24,927 associate degrees, 302,602 baccalaureate degrees, 73,508 master degrees, and 25,219 doctorate degrees. In fall of 2012, Purdue had the second largest enrollment of international students for public US Universities (6,761).

4. Texas A&M University – Ranked as the 6th largest US University, Texas A&M has generated over $700 million for research expenditures. They also carry an endowment that is valued at $5 billion. Along with being ranked #4 in US Agricultural Colleges, they are ranked #2, overall in the nation by the Wall Street Journal.

3. University of Wisconsin – Madison – Founded in 1848, this beautiful and massive university covers 936 acres of land for the main campus. Their enrollment for 2013 is almost 43,000. Located in Madison, Wisconsin, the budget for the University of Wisconsin is $2,830,200,000. They have a total of 13 schools and colleges with a faculty staff of almost 22,000. Also, they are fast approaching a half million living alumni.

2. Cornell University – Always mentioned as one of the top colleges and universities in the nation, Cornell currently comes second in agriculture. It once held the title of “the first American university”. This title was granted by an educational historian by the name of Frederick Rudolph. It is the United States’ first college devoted to hotel administration, industrial, veterinary medicine, and labor relations.

1. University of California, Davis – embracing the title of America’s #1 college, the University of California – Davis is a leading global university with students, staff, and faculty dispersed throughout the world. It remains 1st in the number of faculty papers that are written in agriculture.

3 Tech Courses Every College Student Should Take

As the price and requirement of a post education increases, the weight of choosing the right program gets heavier. It is becoming more important to find a major that guarantees pay and less important to find a major you enjoy. In the increasingly aggressive job market, the challenge of success continues to exist. With all of the decisions that have to be made in going to college, there are 3 tech courses that will increase your chances of success and make you a hot prospect for employers.CollegeStudent

Without a doubt, technology is the dominant force in business. Thanks to technology, you are currently reading this article from an electrical device. Nowadays, information is reaching people across the globe, not just in your local community. Regardless if you are going into business, science, or art, you have to have some sort of technological experience under your belt in order to survive. So, here are the top 3 tech courses you should include in your arsenal of wisdom:

3. User Experience Design: This course teaches you how to create the ultimate user experience. At the same time, you learn ways of making products more delightful for the user. In business, a customer is everything. A customer is the only reason for the existence of a business. So, providing an excellent user experience produces excellent business.

2. Front End Development: The experience of JavaScript and HTML/CSS is key, during the hot trail of technology. Majority of the companies and their products carry digital components. And, more and more professionals are working closely with technical crews. Being a journalist or a designer, you gain a competitive edge with web development skills.

1. Cloud Computing: Have you noticed how everything is in a cloud? We’ve quickly kicked USB drives to the curve for the even more convenient and easily accessible “Cloud”. The CEOs of public companies are building applications that utilize the cloud based service for everything dealing with data. Every business is desiring convenience and searching for ways to simplify their workload. As the pressure of satisfying consumers continues to grow, it is highly valuable to up the par on the latest wave of technology that is most beneficial to both parties, consumers and companies. At the same time, Technorati has reported that cloud computing will increase by 1200% in 2015. This means more money flowing in and a bigger payday for those that possess this powerful skill.

Do I Need to Go to College to be a Nurse?

Of course not! You really don’t have to go to college to be anything. You can be president, if you know the right people. Going to college seems like the normal step in advancing in your career. The only problem is knowing what you want to do and determining if college is part of the steps necessary to reach your goal(s).

nursing school

For the most part, college can add an extra boost in your desired career. A college degree is a piece of paper that displays you have the drive, determination, and discipline to achieve your goals. Will this help in your search for a good job? Possibly. Is it needed to work? No. A great example of how a college degree will affect your career is choosing a career in nursing.

The Nursing Choice:

Certified Nursing Assistant

In nursing, some form of education is required. Whether it be actual training on the job or completing classes to receive a certificate, you have to be educated in the field of nursing. One reason is because nurses are an important element in a patient’s health and well-being. Hiring a person off the street and expecting them to catch on is a high risk. Although education is necessary, it isn’t necessarily required from a college. There are actual small institutions that provide classes to become a certified nurse (CNA). Average salary: $25,000 – 36,000.

A certified nurse is like the entry level for a career in nursing. As a certified nurse, you will handle a number of jobs in carrying for a patient. For the most part, you do majority of the hard work. Although all levels of nursing can be stressful, most would agree that a CNA is the one that works the hardest. So, two benefits for going to college to be a nurse is an ease on your workload and better pay.

College Bound

The next two steps above a Certified Nursing Assistant is a Licensed Practical Nurse (LPN) and a Registered Nurse (RN). A LPN is considered a practical nursing degree, while a RN is considered a professional nursing degree. This means that the RNs make more money and they normally take on roles as managers and supervisors, meaning they do more supervising of the work and take on even less of the workload. Average Salary: LPN – $56,000 RN – $67,000