Are You Tired of Paying For Continuing Education? Then Don’t!

Are You Tired of Paying For Continuing Education? Then Don’t!

We all have been through it. You are working over-time; you have got your family, and just don’t have time to make it to those continuing education(C.E.) dinners anymore. In addition, the last thing you want to do is pay for your C.E. once have worked hard to complete it. As a pharmacist I have been down that same road before.

If you are tired of paying for your C.E., I recommend this is what you do. Try searching online for sponsored C.E. that has already been purchased for you. Here is how it works. Many companies in the healthcare industry are more than happy to pay for your hours in return for the fact that you just acknowledged that they had done so. There are many places on the web to shop around for free continuing education. Just type in “sponsored CE for pharmacists” or “free CE for pharmacists” and you will find accredited CE for pharmacists at no cost with little effort. What a deal! This is consistent among many supported sites on the web directed towards pharmacists and other healthcare professionals.

I am a big fan of career related necessities that are already paid for, and I’m sure all of you would agree with me. Even if you are not a pharmacist and need to complete C.E. to continue your licensure, listen to me. Save yourself the hassle of writing checks or punching in credit card numbers. Save your money! Free hours are only a tap away on the keyboard!

Putting Your Best Foot Forward: Marketing Tips for Insurance Agents

Putting Your Best Foot Forward: Marketing Tips for Insurance Agents

Regardless of what type of insurance you offer, the following marketing tips can help you reach new customers and bolster your business.

1) Have a website – This may seem silly, but a number of insurance agents don’t have a presence online. With the current digital landscape, more and more people are using the internet to shop around for everything from their choice of a doctor to making airline reservations for an upcoming vacation, to where they want to go for insurance. By providing a website that not online markets your business but also informs people about the types of services you offer and why they might need them, people will already have a foot in your door, whether they realize it or not.

2) Offer the most affordable rates – This seems silly to even mention, but you should constantly stay on top of the industry to ensure you are offering the most affordable rates you possibly can. Don’t be afraid to shop around and find out what your competitors are offering, or to see about getting better rates for your customers. People are living longer, which means life insurance rates are the lowest they’ve been in years.

3) Offer special deals for referrals – Loyalty is important. People are more inclined to do business with the people they know and trust. By giving your customers incentives such as discounts on rates or a gift certificate to a nice restaurant, they’ll be far more likely to refer their family and friends to you. Make sure to send a handwritten thank you note so express your sincere appreciation.

4) Offer group discounts – If you have the opportunity to sell a family of four car of term life insurance, why not offer a 10% discounted rate? If you don’t, another insurance company just might. Plus, when you sign teenagers up, you have an opportunity to have loyal customers for life.

5) Take advantage of social media – If you’ve got a website, you need to promote it. And one of the best ways to promote it is through the use of social media such as Twitter, Facebook, and LinkedIn. You can even sync your accounts together so you only have to post in one place and it shows up everywhere. Don’t know what to tweet? Information is key. Make your tweets and Facebook posts informative.

Statistics about life insurance or sudden death are important. Advertising your lowest rates and offering special discounts exclusively to Twitter followers are also important for reaching customers, and for establishing and maintaining credibility in your industry. Attaching links to informative articles or even links to your own blog on your website are both great ideas, reinforcing the idea that you’re an expert in your field.

6) Make yourself available – As stated before, people go to know they know and trust. But it doesn’t just go along with sales. If people, even existing customers, have questions about the type of coverage they have or their current policy, make yourself available to answer those questions. Don’t be short with them. Be patient and respectful. Give your customer the same type of treatment and respect you’d give a member of your family.

Five Tips to Consider on a Sales Call

Five Tips to Consider on a Sales Call

No matter what you are selling it is important to have a strategy going into any sales call. You should have an outline of what you want to talk about. You want to make sure you get everything you need to know about your customer because you may only get one chance. Telemarketing and phone sales are a booming industry. Many large businesses thrive on their telemarketing sales. With the right team in place anything is possible. Of course every product, service, and industry is a little different, but in this article we are going to discuss five basic techniques that could help improve any sales call.

First, you want to start with a solid opening. Introduce yourself, identify your company, and make sure you are speaking to the right person. Also make sure they requested information on your product or service.

Second, ask them a couple of open ended questions. Find out what they are looking for and what motivated them to request more information on your product or service. Motivation is very important to find out because it can help close the deal at the end.

Third, sell your product or service. After they tell you what you are looking for show them how your product can help accomplish their goals. For instance, if they are looking for an online MBA program talk about the features your program offers. Tell them it’s accelerated, affordable, and flexible. Every customer does research and will be shopping multiple programs.

Fourth, overcome the objections. Make sure you answer all of their questions and discuss their objectives one by one. This is a very important step in any sales process. If you do not uncover what’s keeping them from buying you will never gain their business.

Fifth, close the deal. After you discuss your product in detail, sell the features of your product, and overcome the objectives it is time to ask for the sale. Don’t demand the sale, ask for it. Let them know your product fits their needs and tell them the next step. Back to the online MBA program, tell them to fill out an application and request their transcripts.

As you can see there are a lot of ways to attempt to make a sale. This is just an example of a process we have found successful in the education industry. Building relationships with your potential client is huge. Take your time, answer their questions, and most importantly, follow-up. After a call or meeting make sure to email them and thank you for their time.

What Is “Differentiating The Curriculum”

A Differentiated curriculum provides students with different avenues to learning so they have access to a variety of processes to acquire knowledge of the content being taught. If children do not have the curriculum differentiated to meet their academic needs, they are likely to find difficulty in understanding or completing classwork and homework. However there is a flip side to the differentiation question. If a student requires academic challenges to meet their needs, it is essential they be given every opportunity to reach their potential.
Thus if a year five student is gifted and talented, the curriculum outcomes and activities are planned at a more challenging level than the average outcome for a year five student. Conversely, if a student demonstrates difficulties in their learning, outcomes and activities should be created to provide the student with success in their learning and an opportunity to fill some gaps they may have missed in previous years.
Examples of differentiating the curriculum are the Spelling and Reading groups that evolve in the junior years of school. These are determined by the abilities of each student in the class. Your child’s ability to handle a certain level of competency in these subjects, therefore determines their ability group level. This can also be the case with writing. For instance, a writing outcome for a Year Three group might be:
Writes complex sentences which are creative and demonstrate a solid understanding for the use of correct punctuation.
A higher achieving student may be expected to:
Write well structured complex sentences that use sophisticated vocabulary and a variety of punctuation.
Whereas a child who has difficulties with understanding the structure of writing may have a differentiated outcome that states:
Writes simple sentences with a capital letter at the beginning and a full stop at the end
The creation of a differentiated curriculum requires some pre-planning. It is important to find out what the students already know and their level of skill attainment. These types of pre-tests can provide valuable information about individual differences in ability within the class. The curriculum can then be adjusted accordingly where future lessons can be planned to accommodate higher order tasks for more able students and additional support for those who are struggling. For instance, during a reading lesson in Year Four more able groups can be given independent tasks such as comprehension or a written response activity while less able students work with the class teacher on strategies to read difficult words and to develop comprehension through explicit instruction from their teacher.
For the student who is struggling with a concept, the outcome must be adjusted so he/she can achieve at their level of ability. If understandings are evident, they will be ready to move to the next level with confidence. Imagine if you were expected to answer a Mathematics test on addition with trading when you have no idea how to trade. It would be much fairer for a student to have a test with questions they can achieve rather than a paper that show 0/10 as the grade.
Below is a very simple idea of the above notion using the Mathematics concept of addition.
(Can calculate vertical addition algorithms)
22 + 5 = 33 + 6 = 28 + 7 = 34 + 5
(Vertical addition without trading)
56 + 47 + 39 + 43 + 65 +
21 32 12 21 40
(Vertical addition with trading)
58 + 39 + 43 + 75 + 84 +
37 15 29 46 69
Differentiation does take time and effort and it is a craft that teachers are very competent at utilising in the general classroom. However it is often unrealistic to expect every lesson to be differentiated to the extent demonstrated above. Sometimes it may be a simple matter of the quantity of work to be achieved or the time expended on presenting a short talk to the class.
Teachers are professionals whose experience and knowledge of your child’s needs are met through the differentiation strategy. At times it may be necessary for your child to seek further assistance outside the school. This is always a matter for discussion with your child’s teacher in order to understand the specific areas your child can benefit in from such support.

Homeschooling 101 – This Article Is Packed With Good Advice!

Many parents choose homeschooling over public school. Be that as it may, homeschooling presents its own set of unique challenges. Read this article to learn more about homeschooling your kids.

If another family nearby is homeschooling, get together and coordinate a field trip for your children. This will help your child feel comfortable with the idea of homeschooling. Going on field trips with groups also helps to reduce costs, through carpooling and group admission.

Although you might not want your children to associate with kids at the local public school, you do need to understand that your children will need some social interaction with people their own age. Plan out play dates with your neighbors or other family members. Go to a park and let your kids play with other children. Go out of your way to get your children involved in ballet, sports, 4H, or other clubs where they will be able to interact with others.

Do you fully understand the financial consequences of homeschooling your child? Quitting your job can become a major setback. If you are a stay at home parent, consider the effect homeschooling will have on you house duties.

Do your homework if you are planning to engage in homeschooling. There are lots of resources to learn a bit more about the reality of homeschooling. Homeschooling offers unparalleled opportunities for your children, but only if you are equipped to devote a great deal of time and energy.

The Homeschool Association is a great resource that will teach you about laws and guidelines regarding homeschooling. Some requirements include registering as a small, private school, or giving your kids standardized tests. Make sure you make the school district aware of your plans to homeschool or you may have truancy charges filed.

Speak with other homeschooling parents. There are any number of reasons that people decide to homeschool, so find people who have similar objectives as you do. Therefore, you should be able to find a group that is in a similar position. Homeschooling communities can be great resources of information and support, especially when you’re just starting out.

There are many advantages to homeschooling, including your child not getting lost between the cracks. Of course, homeschooling may not be for everyone. To check your child’s progress, have him complete the standardized tests offered by your state (some states require this). If your child tests below average, you may want to hire outside help to teach them that subject.

While your child’s academic studies are extremely important, don’t forget life skills! So, make sure to include life skills in your lessons along with academic lessons. Everyone knows the importance of academic studies, but many fail to realize that life skills like cooking, gardening and driving are just as important. You can teach both at the same time. Building a birdhouse is a good way to learn about shapes and how to build structures.

After reading the information in this article, you know that homeschooling is for you after all! Utilize the knowledge you’ve just learned, and you should succeed in educating your child. You will also have personal satisfaction from knowing you helped educate your children properly.

How to Find the Best Tutor – Finding Online Tutoring Services

It would be great if you could only have to ask your friends for help and not strangers. Somebody you would enjoy hanging around with would make a great tutor if the person really understood the subject. But that probably is not going to happen. No, you are going to have to check with someone who can steer you towards a person who can really help, but not bore you to death in the process. And actually the best place to ask about a tutor can be from the teacher of the class that is giving your problems or your counsellor. Or in some cases the local colleges may have a few names, even the public library can be a good place to check. They often may know about someone that already does tutoring. A lot of times this can be a college student who is really good at the subject. And since he or she wasn’t in high school that long ago then the person will be able to relate to your problems.
Of course you will have to ask your parents for help since tutors do charge. And they may have a few questions to ask to be sure the person is really able to help explain the subject. Then too you have to really feel confident this person is someone you will want to help. It is not going to do any good if you get turned off by everything that he or she says. So in the process of talking to anyone that is located it will be a very important part of the whole process. And you may have a few questions of you own. But if the person is really good at the subject then it should be no problem for him or her to demonstrate it. If for any reason you just can’t cope with that person then it is time to look around some more choices until you find one you really feel is going to work.
And if none of those choices work then you can always get on the internet and check out the search engine for online tutors and tutor web sites. They are all set up to help anyone with a tutor need. Plus they have some really great and interesting ways of making it other than dull. You can check out the main page and it will have all the different ways they can help. That might include a chance to chat on line with one of their tutors. He or she might ask about what problems you are having then suggest ways to help it all make sense. The things they can include in their options may involved some special audio and visual technology that will give it a video game type of reality. That can really keep it from being boring. And they are used to helping students all the time so they are very good at having answers for any questions that might come up. So they are there in ways that won’t make you feel like it is a waste of time. And they do all they can to make it as fun as possible.

Sometimes Being Put Into a Box Has It Benefits: Key New IRS Tax Special Category Changes

Sometimes Being Put Into a Box Has It Benefits: Key New IRS Tax “Special Category” Changes

Among President Obama’s recent revisions to the tax code are several new categories as well as a host of changes to a number of current categories. Now that tax season has officially begun, tax professionals will want to ensure that their clients take full advantage of these changes.A� While some are minor, many are not. According to representative Daniel Reed, Chairman of the House Ways and Means Committee, these changes constitute “the first overall revision of our tax laws which has ever been undertaken.” These sweeping changes are already translating into content upgrades to many enrolled agent continuing education courses and tax CPE courses across the country, especially as tax professionals seek to better understand who benefits and who doesn’t.

New Benefits

Key areas for tax preparers to examine in terms of potential new benefits for tax payers include the following:


Can now use a new rule for computing tax exemption on annuities bought by themselves that allows a portion to be permanently tax-free.A� This portion is the yearly payment equal to the annuity’s total cost which is then divided by the total number of years of actuarial life expectancy

The taxpayer receiving a lump-sum payment under an annuity contract can figure the tax as if the sum had been paid in three installments over current and two preceding years.

Working Mothers

(Widowers and divorced or separated fathers) whose children live with them may deduct the cost of paying somebody to look after children less than twelve years old during working hours.

The maximum annual deduction is $600

The maximum deduction a working mother living with a husband can take is reduced by combined incomes exceeding $4,500


Retirees 65 and over get a brand-new tax credit amounting to 20% of their taxable income up to $1,200.

Wives 65 or over also get the 20% credit on $1,200 of her own income (or, in community-property states, on the next $1,200 of joint income).

Retired workers below the age of 65, who are under local, state and federal pension plans, also get this credit, but only on pension incomes.


The first $50 of any dividend income is entirely tax-free

The remaining 4% of all remaining dividends may be subtracted from the stockholder’s income tax

Sales & Salesmen

People who sell outside of their places of business may deduct incurred expenses from taxable income (regardless of if they take the standard deduction on their tax returns)

Writers & Artists

For a maximum of 36 months, writers and artists may spread back over the entire work period for production work that took 24 months or more

Additional Noteworthy Updates that May Help Your Clients

Beyond these special categories, taxpayers in general will find some tax relief due to the additional overhauling of the rules of the tax code. Whether through an enrolled agent course or continuing education tax course, tax professionals familiarizing themselves with these changes will stand out to clients especially as they save them even more money than expected.

Here are two of the most anticipated areas where these gains are expected.

Parents of Working Kids

Millions of taxpayers outside these special categories will find some degree of help in various changes rules to rules on dependents and deductions. One change in particular rewards parents with ambitious adolescents who work summers. Previously, parents lost an exemption when dependent children earned $600 or more during the course of a year. Now, provided parents cover more than half the child’s total support, a parent may continue to claim exemptions for children under 19 and older children who are full-time students — no matter how much they earn. Moreover, they can continue to mark exemption on their own returns.

Business Owners & Losses

Losses may now be carried back two years that are deductible against taxes

Regardless of the philosophical qualms over putting people into “special categories,” the fact remains that tax preparers are poised to help their clients find exemptions come tax time.A� With such a significant amount of changes to the tax code, many tax professionals are looking to EA CPE and specific tax continuing education courses that explore these new or changing categories.

IRS Circular 230 Disclosure

Pursuant to the requirements of the Internal Revenue Service Circular 230, we inform you that, to the extent any advice relating to a Federal tax issue is contained in this communication, including in any attachments, it was not written or intended to be used, and cannot be used, for the purpose of (a) avoiding any tax related penalties that may be imposed on you or any other person under the Internal Revenue Code, or (b) promoting, marketing or recommending to another person any transaction or matter …