Moving mom and dad

Guest written by our friend Trent Horton

I am moving my parents into a new house. For the past two years, they have been complaining that their house is too big. I can see their point. At one time, they lived in that house with five other kids. Now everyone is grown and the house seems a lot bigger. None of us wanted them to move, but the time has finally come. I naively thought the move was going to be easy. It has been a royal pain. My parents are picky about everything. My mom wants me to make sure all the boxes are labeled correctly. My dad wants me to make sure the Direct TV is hooked up before we even start the process. Then we have to stop for snacks or a drink or just to take a break. At this pace, they are never going to have everything packed. I am tempted to move everything in the middle of the night. Then I will have it all done while they sleep and will not have to listen to the complaints.

Will this be the year for Chemcial M&A

If you watch the financial news then you know that 2012 will be a interesting year for industries like oil and gas, chemical, and technology companies. This could also be the year we see more activity in the chemical mergers and acquisitions due to tightening government regulations and the economy still trying to gain traction. While the landscape for a hostile takeover is possible many mergers that have taken place over the past few years have been more on the friendly side and more amicable for employees and shareholders. We have seen that while companies in most countries need regulatory approval for their mergers one of the biggest keys is cultural migration. Each company brings with it it’s own set of values and standards and the merger of different values can sometimes be tougher to overcome than a government approval. Having a chemical advisory group like the experts from the Valence Group can help both sides in their due diligence and uncover any possible roadblocks.
The Valence Group is a a chemical investment bank that offers a full slate of service options for their clients. With their experience in handling over 200 chemical M&A’s with value in excess of $80 Billion the Valence Group knows this sector and it’s customers. And because they are independent there is little chance of a conflict of interest that can happen with multi-specialty banks. In 2012 more and more companies are going to be looking to acquire talent and assets rather than try and develop in house and they will need experts in their respective fields to help in a smooth acquisition.

Check your free credit score

This year like in many years past credit cards play a major role in holiday shopping. While they are a great convenience they can be quite problematic if you over spend and then are unable to pay off the balance. Remember to always read the fine print on the amount of grace period days and when your bank actually starts to count interest. There are various credit cards that use a balance in your account or some other collateral to help you maintain your balance. Some provide 20-25 days, but I have seen others as little as 15 days. This means that you will start to accrue and pay interest before you even receive your statement, even if you intend to pay the balance in full. There are few things that you need to know about your credit report and how to obtain your Free Credit Score to help you get the best rate you can.

If you find yourself in a crunch it is always good to call the bank, and ask them for some added time. They know the cost of having to get new customers and will usually be accommodating to reasonable requests. It is a great idea to check out your  credit report and make sure that there are no blemishes on your credit score. You want to do this on an annual basis because your credit score can determine your insurance rates, loans, and even employment. It is a known fact that prospective employers will check your credit score to see what type of history you have and can make a decision to not hire should you have a low credit score.

Enjoy coffee from Beyond the Grind

I live in the Pacific NW and one thing that we love is our coffee. I am just 4 hours east of Seattle where the birthplace of espresso thrives and has given major coffee shops like Starbucks and Seattles Best Coffee. The simple pleasure of enjoying a great cup of coffee has taken on a whole new meaning in the last 20 years. That has created an industry of espresso stands and coffee shops across the country. Where I live we have a coffee stand about every other block and the variation of drip coffee has increased as consumers taste has evolved. It is estimated that the die hard coffee drinker will spend about $700 a year on coffee if they purchase out a local establishments. I was probably one of those and have recently started to scale back and start making my own coffee at home.

Thanks to the availability of different roasts and blends now you can make your own coffee at home at a fraction of the cost. Companies like BeyondTheGrind have identified the home brewer as a potential growing market and have partnered with premium roasters to offer high beans for at home brewing. Known as one of the top Orange County Coffee Supplier for businesses they have started their coffee of the month club so that you can have various coffee beans that you chose to be delivered to your home. You can follow them on Facebook to see what is going on and find oubout any new specials they are running. I was recently sent a sample of their DG Origin coffee Summit blend beans and I really enjoyed the full flavor with just enough kick. So if you are looking to try some great coffee and maybe simplify your morning cup of coffee try out their various blends and check out their coffee of the month club. It would also make a great gift for this upcoming Valentine’s Day.

Express Scripts to discontinue partnership with Walgreens

This is a Sponsored post written by me on behalf of Walgreens for SocialSpark. All opinions are 100% mine.

Two of the biggest names and providers of prescription drugs have not come to terms on an agreement that would allow Walgreens to continue filling prescriptions for Express Scripts customers. According to press releases Walgreens and Express Scripts were unable to come to an agreement on their partnership. PBM’s like Express Scripts and pharmacies have always had an interesting relationship in that PBM’s directly compete with your local pharmacy with their own mail order program to fill prescriptions. That is why this announcement that Express Scripts is not renewing it’s contract with Walgreens one of the largest pharmacy retail chains in the US very interesting. What get’s lost in these financial dealings is the patient. Walgreens understands this has even gone as far as offering their Prescription Savings Club at Walgreens at a discount. They also tried to negotiate separately for those with Tricare, the US military’s health and prescription plan, so to provide coverage for our folks in the military.

As of January 2012 thousands of customers will be forced to find a new in-network provider pharmacy and create a major hassle and disruption. You can stay on top of these events and show your support for Walgreens by following Walgreens on Facebook and Walgreens on Twitter. Most people have come accustom to using their local Walgreens because of the savings and convenience they offer. They are all over the US and offer 24 hour service in many of their stores. This stand off could be the signal of larger changes in the way patients get their prescription drugs as large insurance companies try and cut costs. If you are impacted by this decision then let your voice be heard by contacting your local radio or TV station and let them know what is going on.

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Free online accounting tool from Outright.com

There are thousands of small businesses and online bloggers that are very successful in what they do. One of the ways to measure your success is through your financial health of the company. Large companies have a whole department dedicated to measuring revenue, overhead, and overall costs to help the organization understand where to spend more money and where to cut back. Now thanks to online companies like Outright.com anyone can get a free online accounting tool that will help you keep track and plan for a brighter future. Understanding where you are spending money that is actually contributing to your bottom line and expenses that are eating away at the companies success can be critical. Many of the online start ups have created this false sense of financial freedom and they just seem to burn through money with no real gains to show for the investment.
Most small businesses do not have this luxury and keeping this data on a spreadsheet in some PC can be limiting your business. There are hundreds of accounting software packages but none of them as far as I know give you access to info no matter where you are like with Outright. Having your data online in their secure platform can help plan and present your business to anyone anywhere and it is always current and up to date.

Become a tax preparer in 2012

The ability to file your  taxes online has become very popular and has made it easier for many Americans to file their taxes and get their refunds. If you are looking for a job in tax preparation then you can find tax preparer jobs that help train and educate to become a certified tax preparer. As our culture and population has changed so has the need to provide alternative ways and means by which to file your online tax return. At various online tax preparation sites they can help with your Online taxes needs with both filing and answering questions. There are irs exam classes that can teach you how to help others prepare and file their taxes. They offer free eFiling, and you will receive your refund much faster. We have used online filing for the past few years, and it is clean, secure and simple.This year many Americans will put off the dreaded task of doing their taxes until the last possible minute. As our tax laws have become more complicated many people are turning to their accountants to assure that they are not overpaying on their tax bill. And if you are like us where we reside in one state and work in another the tax scenario becomes a little more unclear. This is because some state allow you to take credit for taxes paid to another state while others are not so forgiving.

With online tax filing you can have your refund directly deposited into your checking, and receive it 2-3 weeks faster than filing by paper. There are certified RTRP that are available to help you understand the new laws and help you file online or through traditional methods. The IRS actually prefers you to Efile taxes since the electronic version contains less errors and is much less labor intensive for them to process. In most cases there is a simple process to follow that will help you fill out the correct forms and collect the right information.

Create opportunity with your blog

One of the Number one traffic building secrets is adding content to your website. Have you ever considered that a blog could be the tool that makes this very possible, fast and extremely easy to do. we use our blog to help write about informative sites that will help our readers. The latest trend in content and brand awareness is social media optimization. This is where a company helps you across all the various social networking sites to understand where your traffic is coming from and how to capitalize on this great opportunity to engage with your customers. Blogs continue to grow and being able to use them to provide value and updates to your customers is still a viable channel. Blogs are written in RSS or Atom, both very effective content management systems. After you set up your blog you need to change your settings to archive daily so you have a new page of content every time you make a post to your blog.

Blogging daily is best if you want to add new content every day. If you archive daily, then post each day the blog software will generate a new page of content for you. It’s definitely the fastest and easiest way to add content. You can also partner with a search engine marketing firm to help you develop unique content for your blog and get it out to the masses. If you want to add some additional revenue to your blog then companies like BizzClick.com can help you find advertisers for your site.

The best way to integrate a blog into your website is to make your website into a blog. If you have fresh relevant content on your blog then top search engines like Google will return more often to gobble up that fresh content. Advertisers are looking for ways to reach new audiences and your blog may offer just the right demographics they are looking for. That means your site will be spidered more often, and if you just built another page you want spidered, just leave a link within your blog posts to that page and the spider will follow it.This is a great way to get your pages spidered fast. But it’s important to have the page you are linking to be somewhat related to the topic of your post. Google is getting more picky about the content of the pages where your incoming links are coming from.

New Dental Degree Would Expand Career Options

If Fort Hays State University in Kansas gets its wish, the university will be adding a new dental degree to its curricular offering: registered dental practitioner.  If you’ve never heard of an RDH, you’re not alone.  The university is proposing the degree as a potential solution for the state’s severe lack of licensed dentists. But offering the degree isn’t as simple as adding a new curriculum.

Kansas state law would need to be changed in order to allow graduates to practice. Currently, only licensed dentists can perform certain procedures, but a new bill in the state Senate aims to change that.  The proposed legislation would allow registered dental practitioners to work under the supervision of a licensed dentist, and would perform basic dental work, like examinations, fillings and cleanings.

The proposed four-year degree would have strong career appeal for graduates of dental assistant schools and dental hygienists who are already working in the field and are looking for a career advancement path. At the same time, new practitioners would help alleviate the dentist shortages that have arisen in the majority of counties in Kansas.

Everyone isn’t welcoming the proposed new degree with open arms, though. The majority of dentists in Kansas oppose the legislation, saying they believe it would jeopardize the quality of care patients receive. The Kansas Dental Association, which represents about 75% of the state’s 1,500 dentists, is also fighting to defeat the bill.

Laws governing what non-dentist practitioners can do vary by state, and a few states allow dental assistants to perform any task delegated by a licensed dentist. The proposed Kansas model is already in place in Alaska. Kansas dentists who oppose the new degree say that it would create a two-tiered dental service model in the state, with dentist services available only to those who can afford premium care.

Others who support the bill argue that the state needs to take action to ensure that quality dental care is available to all state residents, regardless of where they live. By adding registered dental practitioners, known as dental therapists in some states, supporters argue that the state’s dentists can safely expand their practices and oversee the dental care of more patients.

One thing everyone can agree on is that there aren’t enough dental professionals in the field today, and that is primarily responsible for the move to introduce mid-level dental practitioners to the market.  Supporters argue that registered dental practitioners can help alleviate critical shortages of dental care providers, saying that thirteen counties in Kansas have no practicing dentists at all.  By placing registered dental practitioners in severely underserved areas, the state can help deliver routine dental care to the most rural parts of the state.

That isn’t swaying most dentists, who say that they’re being squeezed from all sides. According to a new survey released by Baird, dentists throughout the country are reporting a decline in the number of patient visits, and a decline in the number of services patients are requesting.  According to the survey, 67% of dentists reported that their revenues this year are flat or declining when compared to last year’s numbers, and 74% of dentists said that their patient volumes have declined, compared to last year.

Dentists in Kansas argue that adding a lower-cost, mid-range provider to the mix will only ensure that fewer dental practices will remain financially viable. Supporters counter this argument by saying that only about 25% of dentists in Kansas accept Medicaid, leaving a large portion of the state’s low-income population without affordable dental services.

 

A recent survey by the WK Kellogg Foundation shows that more than 40% of US households have at least one member who has put off dental care for cost reasons.  The Foundation is working with providers in Kansas, New Mexico, Ohio, Vermont, and Washington State to promote the use of dental therapists as a response to a growing healthcare provider shortage.

Update your cubicle with the Pimp My Cube Contest

This post brought to you by Contest Factory. All opinions are 100% mine.

It is estimated that the average commute for the American worker is 45 minutes a day and that they spend an average of 9.8 hours at work. With all the demands to improve ROI and reduce expenses workers are being asked to do more with less. Office space is being reduced but the work force is staying the same so closer working quarters is not uncommon. Having a great space to call your home away from home can help ake the day go by faster and actually improve productivity. That is what the Pimp My Cube Contest could not have come at a better time for millions of workers across America.

By simply uploading a video of your work space between 12/5/2011 and 1/31/2012 by noon you can be entered to win a makeover valued at approx. $1200. It is simple and very easy to enter and if you get your friends and co-workers to vote on your video you can increase your chances of winning the grand prize. Just by entering the contest you are entered into a drawing for a $200 gift card. Right now there are only a few videos that have been uploaded so your chance are very good. Head on over there now and simply upload a funny video of why your deserve this makeover and you may just be starting out next year with a new updated workspace.

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Master’s degrees for higher wages

 

With the recession still going strong and unemployment at 8.6% in the United States, many look towards continuing their education in hopes that a master’s degree will broaden their chances of snagging a decent job after they graduate.  The most important decision is what kind of master’s degree a person should return for, and it is important to take into consideration whether that degree will, in fact, help in gaining a well-paying job after graduation.  Below are the top three highest paying jobs needing master’s: crucial information in today’s world of scant jobs and rampant unemployment, especially since anyone going back to graduate school will have to take out loans to pay for their degree.  Acquiring $30,000 in student loans (or more) without a good job to pay for it afterward is undoubtedly frightening.

 

According to Forbes.com, a physician’s assistant degree is the number one degree to obtain in this economy, with the job growth at 57% and the mid-career median salary at $98,900. The demand is high for this type of job, and many programs are only two years, making this even more appealing for those who want a degree to get a job, not necessarily to study a particular subject for the sake of academia.  Physician’s assistants practice medicine under the supervision of licensed physicians, and do much of what someone with an M.D. will do: take medical histories, do patient exams, take X-rays, and treat minor injuries.  For anyone with an interest in medicine and science, but is not necessarily interested in going through the rigors of actual medical school (a lengthy and expensive process), should consider a physician’s assistant program near them.

 

The next fastest-growing degree is computer science, with the job growth at 39% and the mid-career median salary at $111,000.  Computer scientists, in a nutshell, create new technology, ranging from computer hardware to robotics to virtual reality-type technology.  Many also work in universities researching new computer technologies and can focus more on scientific theory than actual hardware creation.  With new gadgets being released every day (how many iPhones have been released already?), it’s no wonder that this field is an expanding and lucrative one.  It should be noted, however, that many employers require not just a master’s but also a Ph.D. for this type of job.

 

The third best degree is civil engineering, with the job growth at 41% and the mid-career median salary at $98,700.  Civil engineers design and manage those who build roads, buildings, bridges, sewage systems, and anything that a city could possibly need constructed.  Although many American cities are struggling with budget cuts, roads and bridges will still need to be repaired, especially as the population continues to grow.  With cities expanding, the field of civil engineering expands in kind.  If you have any interest in design or architecture, this field might be a good choice for you.

 

All three of these fields have great job prospects for those graduating with a master’s, but ultimately you should follow what interests you the most.  If technical or scientific pursuits aren’t your cup of tea, don’t do it.  But if any of these three fields excites you, get into grad school and get your degree.  A great job is more than likely waiting for you at the end.

 

Thanks to Emily Matthews for this great post:

Emily Matthews is currently applying to masters degree programs across the U.S., and loves to read about new research into health care, gender issues, and literature. She lives and writes in Seattle, Washington

Making sure your kids have help in math early in their education

Are you smarter than a 5th grader? I think most have watched this TV show and even as adults we are not always 100% sure on our answers. They offer questions in math that will range from grades 1 through 5 and I like to watch the adults struggle in this category. They have categories from geography to first grade math. It is funny to see older people messing up on 5th grade math or a lower grade, but maybe we should be crying when we see this. I know it’s no fun for the kids in elementary school that have trouble with math. It will only get worse in their high school years; if we don’t correct the problems now. My son who is in 5th grade is learning how to add fractions while using various methods. As I am trying to help him understand adding fractions I find myself having to research various problems to help him understand the best way to tackle his homework.

It isn’t easy for me or other Moms and Dads who want to help. It will take some level of desire and dedication, if you hope to bring help to a student, who is currently starting out with first grade math where some parents may have quit school and have a child who has surpassed them in educational levels. Parents with the the younger age kids in school, they should start learning the math lessons their child gets each day. By taking the time to learn it now and progress from one math lesson to the next, you will have a much easier time of assisting your little math star.Make no mistakes about it, math can be a very tough subject to handle at any grade or at any age. Having a solid math education earlier for your kids will help make their life easier as they enter middle school and high school. A lot of the parents do a real good job with providing their kids with some of their free time each evening. Most of the time our kids can learn a lot better from Mom or Dad and it’s because there is less pressure with them and they also probably have the time to be more patient; compared to a teacher who is trying to keep 25 or 30 students on a fast pace, one hour a day, so the class as a whole can reach a certain level of accomplishment.

Finding a new show to watch

This guest post from Mickey Garza

Recently, one of my favorite shows was canceled. I try to keep my television watching to a minimum, so I have been very careful to find the perfect replacement show. I was able to get a list of the top ten shows from expertsatellite.com and have been weighing my different options. I am looking for a comedy. Work is stressful enough and I don’t want to add a stressful or high drama show to add to my stress. “The Office” is always a popular show and everyone I talk to seems to love it. I watched my first episode last week and it was a little strange. I do not understand why everyone thinks it is so funny. The comedy was a little strange and I guess I didn’t understand the character well enough to get some of the jokes. I also want to try “New Girl”. My sister claims it is her favorite show and she normally has good taste. I am hopeful it will make me laugh because most days I just need a good laugh.

Online degrees are growing and looking to expand in 2012

The following graphs show a great picture of the changing trend in online education and the ability to get your degree at a reduced cost while being able to reduce your time at school. The next frontier will be our public schools and having them make available online classes for those that are taking advanced classes or providing a new solution to those that are not doing well in a classroom setting. The Rapid Growth of Online LearningIf you ou are considering going back to get your degree then you are probably already looking at online degree solutions that are being offered in all different majors. Not only are we seeing a growing number in indpendent online schools but traditional state and private schools are expanding their offerings of an accredited online degree. As you can see by this infographic there are over 2500 students enrolling online. This is a huge jump from just a  few years and because of the fact that many large universities are embracing these new online venues many of if not all of your credits are transferring.

True Cost of College: Traditional VS Online DegreeRight now you can find some of the best online degree courses. What is even more revealing is that many of the online colleges are offering similar if not the same materials based on the degree being offer. This creates a consistent learning environment so that you can no base your decision on cost and availability to your current situation.  With traditional degrees costing about 45% more based per credit hour the cost savings of online colleges and universities are definitely worth considering. One strategy is taking online courses for your undergraduate classes and getting those out of the way so that when you start taking your core classes towards degree.

Merrill Data solutions

If you look at some of the jaw dropping valuations that have been floated out there for companies like Twitter and Groupon it makes you think back to the late 90′s when valuations were off the charts. What is interesting is that companies like Groupon are so new and grew so fast that having all the financials and M&A documents in place could be a challenge even for a technology company. With all the talks this year about merger and acquisitions there is a demand for companies to have their financials and proprietary documents in order in the event of a deal. There is a professional legal document review that can be found through companies like Merrill DataSite that can help you make sure that you have all the items you may need for talks in one secure location. This can then be shared with potential buyers or investors and help insure that you have full disclosure so as not to miss any important opportunities.

As the markets continue their roller coaster ride many of the volatile sectors like banking, technology, and mining are looking for ways to stay competitive while raising their overall value. The international markets are in the same state as foreign governments are having troubles with their budgets and this is creating pressure across the globe. Companies are having to look at their business services and find partners that will help them reduce their exposure to risk while still being innovative. Services like Merrill Brink document translation services that are offered by Merrill Brink are one such service that are becoming higher in demand.With partners like Merrill Brink and Merrill Datasite you can have more confidence in knowing that whatever market you are looking to expand into that your business critical data needed to complete these expansions will be more readily available and help in your overall dealing with investors and foreign governments. With having those critical data points in a more centralized location and secure you will enhance the speed at which your company can operate.