• Is Getting A College Degree Worth The Cost

    There is a joke that goes around about working hard to get to college, learning through student loans, getting a job, and spending the rest of your life repaying the college loans. Even though this statement is made in light and humorous situations, it is a reflection of the situation that many people find themselves in after college. This is what has lead to serious economic forums asking, is college worth the investment? However, in order to determine whether college is worth investing in or not, there are certain factors that you should bear in mind.

    What college degree do you plan to take?

    The subjects you major in are an important determiner of whether you will benefit from the college degree or not. A smart prospective student weighs the job market, and chooses the college course that will guide them to a financially beneficial career. For instance, a student who decides to major in Spanish in college, knowing very well that the country borders many native Spanish speakers, will most probably end up jobless, or be forced to take up a job they would have qualified for even without the degree. 

    College degrees that seem to be very beneficial after school include:

    1. Medicine: Doctors and surgeons are paid an average of $234,000 annually.

    2. Dentistry: Dentists follow doctors closely with an average annual income of $196,000. The career has become even more lucrative than before due to cosmetic dentistry.

    3. Business administration: Chief Executive Officers get an average annual wage of $178,000. Those that work in the film industry get paid as much as Doctors.

    Therefore, before starting a college education, you should think about the amount of money that people in your preferred field are earning.

    What do you intend to do with the skill gained?

    Another thing you need to think about when answering this question, is what the learners plan to do with the skills gained in college. For instance, if you are taking a teaching degree to be a simple classroom teacher, it will take a while to settle those loans. On the other hand, if you want the teaching skills to be a basis for establishing a school of your own, you will probably gain more than the regular teacher when the institution starts thriving.

    What is your job market?

    Even though the worst of the economic crisis seems to have ended, the country is still not as stable as it should be. Teachers are opting to take up jobs abroad in places like South Korean and Japan because the pay is a lot better than what is offered locally. Therefore, the teacher that gets a better paying job abroad will have a better chance at getting the loan repaid in time. They will also gain a lot more from their degree.

    These are some factors that should be considered before answering the question: is college worth the investment? If you find that your passion or business idea can be achieved without passing through college and accumulating a loan, you can choose to avoid it altogether. 

  • 9 Reasons To Invest In Real Estate

    Real estate investment can be quite diverse, lucrative and of course very rewarding. Here, one can choose to be a real estate developer, a real estate agent or simply investing in rental properties. As a matter of fact, if you are looking to successfully build your investment portfolio, then investors and of course experts will advice you that investing in some real estate assets is absolutely the way to go. Clearly, there are many reasons for you to heed to such recommendations and advice, as investing in real estate will eventually and consistently prove to be a very sound investment decision. However, before you embark on this investment option it is necessary that look around, do research, inquire and get the best information and advice pertaining to real estate investment, lest you just dip your head into what you are not aware of how it works. First off, the main reasons and benefits that comes with investing in real estate include;

    1. Your investment is sure of growing over time;
    Basically, if there any form of investment that is guaranteed an appreciation, then is where land is involved. Trends and market dynamics world wide dictates that the price of real estate appreciates and increases over a period of time. Furthermore, if it is in a place of high demand then the prices may even skyrocket, never to come down soon.

    2.The real estate market is in high demand:
    Unlike other market conditions and investments, real estate is pegged on land as its basic resource. Knowing that land is limited can only tell how demand and supply dynamics dictate the prices.Therefore investing in real estate is always a sure way of making profits and gains with your investment.

    3. You can easily borrow money for investment:
    With a land or a plot or some building as part of your investment, one is always guaranteed a loan with any bank or from any financial institution. This way you can quickly leverage funds in a more productive and in a proactive way.

    4. Security:
    Due to the stability characteristic of real estate investment and which you are sure of as a long term investment, as the owner you are guaranteed of investment and financial security as long as you are in possession of your plot ,land or houses. Basically, losses are rare in such kind if investment. Plus the moment you acquire one house or land and build some equity, then sooner than later you will be in a position to purchase another property.

    5.Low Interest rates and tax advantage:
    With real estate investment, an investor is exposed to very low interest rates and tax advantages as land and properties do not attract high taxes neither do they depreciate to end up getting written off. Thus investing in real estate allows you to lock into some of the best interest rates and eventually build equity.

    6.Pride of ownership:
    Getting involved in property buying or simply in real estate investment gives you that entitle ship of having to own some property besides just having to reap advantages from it. You can be a business man while at the same time considered a landlord.That gives a sense of accomplishment and pride as you can do with your property whatever you desire.

    7.Real estate investment is fun;
    Basically having to develop land, structures and properties for sale at a profit can be both be fun and fulfilling. It is rather different from some abstract concept or a business model that do not require innovation and inventions.The owners feel that passion of walking in and out through their investments just admire their work.

    8.You can diversify your portfolio:
    With real estate investment, one can either be a realtor, a landlord as well as a real estate developer. This besides other business that you can engage with alongside this investment option. One is therefore able to easily diversify their investment portfolio.

    Investing in real estate bring the benefit of equity. This not only gives you financial freedom as an investor, but with such investment option you can readily acquire home equity loan, borrow against this form of equity that you have built to do other satisfy other forms of investment and requirements such as paying of school fees or to start another business.

  • New Technology Investment SMS Text Message Employee Alerts

    There are several reasons that have influenced and continue to influence organizations to invest in SMS text message employee alerts.

    First, there are different channels through which an organization can use to send alerts to its employees but due to the amount of resources required, those channels may not suit the company. The use of an sms alert platform program is quite cheaper as compared to making telephone calls, sending of emails to the employees or even sending letters or notices. The cost involved in sending SMS is quite less since it is possible to make subscriptions which can allow the company to send texts to a large number of employees at a cheaper rate.

    Secondly, time is of great essence within organizations and it is one resource that every organization struggles to maximize in every operation that they undertake. When, for example a company makes use of telephone calls for the purpose of alerting the employees, it may take time before all the employees are reached. On the other hand, the use of SMS takes less time because it is easy to send text messages to a multiple of recipients hence saving the time required to relay the alerts. Therefore, investing in SMS alerts is an important aspect within organizations

    The third purpose is that, it is easy to make use of the SMS since it does not require any form of special skills to handle the SMS and the mobile phones. The task of sending the SMS can be done by anyone that is responsible for alerting the employees because it only requires the use of a phone or computer and the message to be relayed.

    Furthermore, the use of the group business text messaging service is also beneficial to an organization or a company that wants to alert its employees on issues pertaining to their work. It can be note that SMS can be sent to a larger number of people within a short time. It does not necessarily require that the employees should be within the reach of the company. Therefore, by investing in SMS alerts for the employees, an organization is able to reach a larger number of employees than if it would use other means such as making telephone calls.

    The other purpose that may influence the use of SMS alerts is that it is possible to reach employees at any time of the day. SMS alerts can be sent to employees at any time of the day hence it reduces delays in relaying of messages that are important within the company. Employees often receive the alerts immediately they are sent, which makes it easy for the employees to be on time in attending to their duties or situations where their attention is required.

    The use of SMS as a way of alerting the employees is also beneficial to the employees. It helps in maintaining privacy whereby the employee does not feel that their privacy is infringed. The SMS alerts are always straight to the point hence does not bother the employees. It is a polite way of reminding or informing them of issues pertaining to work and considering that sometimes they may not be in a position to receive phone calls or even view emails, SMS saves the day.

    Finally, it is important that companies and organizations should invest in the use of SMS for alerting their employees due to the confidentiality level that can be maintained. The SMS alerts are sent to the intended employees; hence it is just the sender of the text and the recipient that are aware of the content. This helps in ensuring that there is confidentiality between the sender and the employees who receive the text messages. Therefore, any organization that wants a cheaper, easy to use, time saving and efficient channel of communication with employees for urgent communication with employees, SMS alerts is the way to go.

  • 7 Reasons To Invest In St Kitts Real Estate

    St Kitts and Nevis is the smallest sovereign state in the West Indies. It is an island nation that has beautiful scenery and a perfect destination for holiday lovers, conference meetings, and retirees looking for a perfect holiday home. There are several estate’s for sale as well as large lots for sale for those wishing to construct their own real estate or dream homes. This article looks at seven good reasons why it is important to invest in real estate in this island nation.

    1. Investing in real estate projects gives you the chance of gaining dual citizenship. According to the island’s citizenship by investment program, it is possible for investors to gain the country’s citizenship through investment in real estates.

    2. Low land purchase and development costs. The country is interested in developing real estate’s that attract tourists to the island who helps in bringing in foreign currency. Because of this, the government ensures that the costs of setting up real estates in the country are low compared to other tourist destinations of the world.

    3. Guaranteed occupancy. Due to an increase in people looking to rent or purchase houses, investing in real estate’s is a guarantee that you will get clients sometimes even before you finish constructing your real estate.

    4. Huge returns. There is a growing demand for houses from home buyers and rentals. Because of this compounded by the fact that the available units are less than the quantity demanded then the selling prices are much higher than the construction costs translating into super profits for investors. Thus, investing in real estates in the island will ensure that you will get higher returns than other comparable real estates in other countries. 

    5. Cheap selling costs. The island is increasingly investing in information and communication technology. This investment has enabled real estate developers or investors to be able to market their products to international markets much cheaply using ICT. This reduced marketing costs implies that the investors will continue to report higher profits.

    6. Low taxation when compared to other markets. The taxation regime in real estate developments is better than other comparable international markets. As a result, it becomes easier for businesses to operate in the country when compared to other country’s taxation regimes. 

    7. Political stability. The political stability of any country can act as a deterrent or attraction to investors. This is because political instability makes investors to avoid any investment plans in a country because the business risk is much higher than that of other markets. St Kitts is a stable country politically and this helps to reduce business uncertainties within the country thus attracting investors especially in real estates. 

    There are many other factors that make St Kitts a perfect investment destination especially for real estate developers. For instance, the legal framework within the country is easy to understand because it is based under the common law of Great Britain. Thus in case you want to invest in real estates, you should consider investing in St Kitts real estate’s because it is safe and promises huge returns. 

    One thing to consider is that we the growth of a country and influx of new people, criminal activity may start to pick up. This is true with any investment anywhere. So with that being said use your eyes as a criminal defense to see what exactly is going on in the area. Maybe even ask a few people to make sure it is safe for you to invest there and about the current and future situation.

  • Team Building Benefits of Corporate Themed Parties

    Corporate parties have to be perfect – no more no less. You expect it, your guests expect it, and above all, your boss expects it! And, if you want to continue being in charge of all corporate parties, you need to do it right this time. So, how can you handle hundreds of details and be ready for unforeseen events, all at the same time? The best way to make your corporate event go smoothly is to have a corporate themed party – corporate themed parties have been tested before by other events planners. In this article, we will look at their benefits to help you understand them better.

    Set the mood of the party

    Your corporate party will become more successful only with the participation of your lively guests. Without enough excitements, you will not be able to motive your guests to fully take part in your corporate party. Corporate themed parties help to set the parties mood of the guests. Each theme has its unique feel and it is normally sustained throughout the party, right from the venue, to decorative items, costumes, menu, games, favors, etc.

    Decoration become easier

    If you already know the theme you want, you will not get confused when selecting decorative items for your party. The theme will guide you via the various aspect of organizing your corporate party such choosing the venue, decorative items, colors, party accessories, among others. For example, if you’re planning to have a glow-themed party, you may consider glow products such as balloons, glow swords, light-up toys, balls, among others to decorate your venue.

    A change from regular events

    You might have noticed the different between parties where people show up because they have to and where they attend because they want to. Normal socializing makes your corporate party routine and you will see more guests excusing themselves from your event. However, corporate themed parties are always fresh and trendy. Your guest feel excited to attend, as they offer the much needed break from the normal parties. A fun casino theme party will give a chance to your guest to feel different as they are required to perform different tasks such as dances and games and even dress differently.

    Perfect theme reflects your creativity

    The ideal theme is the one which is acceptable by most guests and it’s according to your tastes as well as preferences. Mixing a common theme with your own thinking speaks a lot about your creativity. Bringing your own skills and ideas to customize a theme, offer a unique impression of your corporate theme party to every person.

    Makes your party memorable

    In general, people remember events which offer them the maximum entertainment. Special performance, programs and total fun associated with corporate themed parties gives guests pleasant memories especially with some like a carnival theme party for adults & kids. These kinds of parties are a treat to not only attend but also to plan. They are more successful than regular parties and they draw in a lot of guests as they are guaranteed of wholesome entertainment.

    Guests expect your corporate party to be filled with enjoyment and fun. They don’t want to attend a party that is lifeless and boring.

  • 4 Ways To Invest In The Stock Market

    Investing in the stock market is one of the greatest ideas that can be passed to an individual who is thinking about investing. Whether an individual is planning for retirement or wants to increase wealth, there is no doubt that investing in the stock market is one of the paths towards financial security. However, just like any other business, investing in the stock market comes with many risks and other challenges that maybe demeaning to an individual’s business plan. For this reason, there is the need to be armed with the best ways to invest in the stock market. Here is a look at some of the ways to invest in the stock market.

    Learning about the Stock Exchange
    One of the most crucial ways of investing in the stock market is learning about the stock exchange. Before doing anything else, it is advisable to learn and understand many issues about the stock market and its operational procedures. Being conversant with some of the basics such as stocks, shareholders and stock market is crucially important in getting started in this kind of investment. Again, getting to know different types of stocks such as common stock and preferred stock is ultimately important in investing in the stock market. Familiarizing yourself with the laws of demand and supply is essential in learning how the values of stock increases and decreases. Learning more about dividends and how they are paid, as well as having a clear idea of the reasons for investing in the stock exchange are also important. For instance, you have to know whether you are investing long term or short term.

    Choosing the Right Stock
    Choosing the right stock is essential in investing in the stock exchange. This calls for the need for a thorough research on the companies that are listed in the stock exchange. Your financial strengths, as well as the overall value of the stock should play an important role in your investment. In other words, buying stock should always make financial sense in the present and in the future.

    Having a Diverse Portfolio
    It is true that stock exchange investment can be a risky business affair. One way of reducing the risks that come with stock investment is through diversification in many different stock portfolios. Putting all your investment in one stock can be a dangerous affair if something negative happens to the stock market. Therefore, investing in many different stocks is a sure way of minimizing unexpected losses. You should also know the right time to invest in a given stock, be able to check on the stock trends, as well as volumes of trade in the stock market. Seeking the services of a financial manager and contacting a reliable broker is important in the whole process of stock investment.

    Practicing Self Control
    It is ultimately crucial to note that a sound investment in the stock market should be long term. It is always advisable to practice self control after buying stocks, and only sell when there is a considerable rise in prices, which may come with huge profits. As an investor on the stock market, knowing when to buy and when to sell your stocks is crucial in getting amazing returns on investment. In this sense, an investor should seek the services or a financial manager who is perfectly knowledgeable on matters stock exchange, as well as getting the services of a reliable stock broker.

  • 3 Reasons To Invest In Becoming A Psychologist

    A psychologist is a special kind of person. He or she assesses and treats emotional and behavioral disorders, mental illnesses and certain disabilities. Psychologists often obtain a master’s and/or doctoral degree in clinical psychology. Psychologists work in various health environments such as a medical center, hospital or are self employed. Becoming a psychologist is not easy; it requires years of investment, education and training.

    Most importantly, psychologists assess patients, diagnose disorders and conduct research; with one goal in mind which is restoring a person to better mental health. Psychologists are greatly needed because their skills have helped many recover from disorders such as bipolar, manic depressive, paranoid schizophrenic, anxiety and depression.

    To be clear, there are 3 reasons to invest in becoming a psychologist such as (1) helping those who suffer from various mental disorders. There is nothing so rewarding as giving advice and help to a person who sees no future, no happiness. If you like working with people, this career choice might be good for you. However, there are periods of stress being a psychologist but on the whole, this job can be fulfilling and satisfying.

    (2) Another benefit of becoming a psychologist is that most psychologists have flexible work schedules. This is especially true if you operate your own practice. By owning your own practice, you can set your own hours and still have time for family and friends. Having more flexible hours also gives you more time to unwind, do necessary research for upcoming appointments or prepare for a meeting with your staff or other medical facility.

    (3) Some may not know it but the best langhorne psychologists receive very high salaries. Keep in mind, most psychologists are compensated well for their expertise, effort and time. It is not unusual for a psychologist to earn $100,000 a year. In addition, even if a psychologist works part-time, he or she can still make a good living. Most importantly, psychologists can own and manage their own businesses. Of course, this would require a bold and take-charge kind of spirit but if you have that kind of “get-up-and-go,” then this career choice may be right for you. Having this kind of control over your career, is enticing for some because you are able to be your own boss.

    Becoming a psychologist has another benefit and that is meeting all kinds of people especially during couples & family therapy. Even though a psychologist faces many challenges during his or her career, the work can be rewarding; especially when you see the results of your counseling. When you see how your words and actions affect others in a positive way, you often feel a sense of accomplishment. Meeting all kinds of people such as children, adolescents, adults, couples, business people and those in the arts and entertainment arena, can be enjoyable and extremely rewarding.

    To conclude, becoming a psychologist has many benefits but the most important benefit is helping others. Of course, the flexible work hours, meeting all kinds of people and the high salaries make this career choice good and profitable. If becoming a psychologist sounds good to you, talk with a college counselor soon. Find out how rewarding and satisfying this career choice can be!

  • Are Mutual Funds A Wise Investment?

    People are always looking for a way to invest their money wisely. There’s any number of choices to have your hard earned money work for you, but for too many, investing is a vast hedge-maze filled with unknown pitfalls, and because of these possible land mines, many people are simply scared away from investing their dollars and instead sock their paychecks in low interest rate savings accounts where it languishes while only earning pennies on the dollar. This is, of course, a huge mistake. There are too many concerns and plans in life from vacations-to-retirement-to-providing for your children’s education.

    So where can a reluctant investor turn to start building their portfolio?

    The simplest answer is mutual fund investment.

    First off, let’s explain what a mutual fund is. The easiest way to think of a mutual fund is as a giant pool of money from thousands of investors. Each mutual fund is made up of stocks, bonds, real estate, securities, and commodities. As the investments in the mutual fund grow and expand, each individual investor shares equally in that growth.

    There are many kinds of mutual funds, some with extremely low risks such as bond funds-to-high-risk-but-high-reward funds which focus on emerging stocks, technology, and energy. More or less, there is a mutual fund tailor made for each investor and their comfortably level.

    Now you’re probably asking, what are the best mutual funds to invest in? This, of course, is far from a simple answer, and a ever changing one. But let’s take a look at the various kinds of mutual funds and let you decide for yourself what the best direction for you to take.

    Equity Fund

    An equity fund is a mutual fund which invests almost entirely in stocks and securities. There is generally a higher risk involved with an equity fund depending on the stocks and securities it is invested in, but there’s also a far greater chance of larger reward

    Fixed Income Funds

    Fixed Income Funds largely focus on bonds and typically pay out a returned on a fixed and regular schedule. Along with bonds, most fixed income funds also invest in CDs, ETFs, and general money market funds. Fixed income funds are ideal for the beginning or reluctant investor.

    Money Market Funds

    Money market funds invest in short term debt securities such as US treasury bills. Money market funds are typically considered the safest mutual fund investment largely because they are considered as safe as bank deposits. Of course, the overall financial yield is also far lower.

    The mutual fund market is very much robust and long-term one, but like all investments, there are a fair share of pitfalls. There is the chance that your fund will not grow and remain stagnant, and of course there is the issues of taxes, which many investors are unaware of. With a mutual fund, the investors pays both capital gains and dividend taxes. Even if a fund has declined in value over the years.

    But all risks aside, when investing—whether you’re a seasoned investor or new to the process—the mutual fund should be the cornerstone of your investment portfolio.