Find Your Education Helps You Find The Perfect Online Degree.

In today’s tough economical climate it makes sense to build up as much skills as you can or even retrain. However, finding the time can be difficult. A new website, Find Your Education is letting people find a flexible, cost effective university degree. By studying online there is no commute, and no cost of room and board. You can also study while holding down a full or part time job.

Find Your Education also has search tools that let you know what careers are in demand, so you can choose a sector and find a degree that will be worth it. Simple go to the homepage and you can search online degree progam’s in art history or anything else you fancy.

Find Your Education also has a number of good articles on education and how to choose the right online degree program , finding your niche and a guide to financial aide. Frost loves Find Your Education because it makes it easier to better yourself. If you want to get a degree, it helps to make it as easy as possible, go to the website today and have a search for an accredited online degree program.

http://www.fafsa.ed.gov/

Why the Economy Could Take Another Downturn—and What the Average Investor Can Do To Protect Themselves

Why the Economy Could Take Another Downturn—and What the Average Investor Can Do To Protect Themselves

The following article was written by Daniel A. White, CLU, ChFC , President, Daniel A. White & Associates:

To the casual observer, the economic headlines look promising. To be fair, there are a few positive indicators. Unemployment figures are gradually improving, retail sales are on the upswing, corporate profits are up and consumer confidence is surging. Unfortunately, the reality is much more complicated. To many financial advisors and investment professionals–myself included at Dan White and Associates–there are reasons to be cautious. A closer look at historical comparisons and advanced metrics behind the rosy headlines reveal cause for concern.

Trouble looming?

One of the biggest underlying reasons I suspect we might be headed for another 2008-type bubble in the not-too-distant future—is my skepticism regarding the pace of the current recovery and the factors driving it. Standard and Poor’s (S&P) earnings are on pace to hit $91/share by August; up nearly 13 fold from the March of 2009 lows of $7/share and surpassing the all-time high of $90/share in the 3rd quarter of 2007. There is nothing wrong with profits, but why are we seeing those profits?

The short answer is pretty simple: the government is printing more money as part of a strategy called Quantitative Easing (QE2); monetizing the national debt by purchasing securities and turning government bonds into circulating money.

So what happens when the government turns off the spigot? We can get a pretty good idea by looking at other government incentive programs. Whether it was a home-buying tax credit or a “Cash for Clunkers” promotion, the markets dropped off sharply when programs ended. It’s also worth noting that after the last round of Quantitative Easing–in the months after April 2010–the market plunged.

PE ratios and commodity oddities

Since QE2 began last August, the price of Silver is up 70%, crude oil and coal are up close to 40%, and a number of other commodities are up sharply. And when you see the U.S. Dollar down 10.6% at the same time, that’s a recipe for trouble.

Perhaps most concerning, is the historical pattern of the price to earnings (P/E) ratio and what it means to investors. When you get in the market at a low P/E ratio, things tend to work out well, and when you get in when the P/E ratio is high, that doesn’t bode well. The current S&P 500 P/E 10–is at about 24. It has only been at 24 a handful of other times in history.

What can you do?.

* Be conservative. Investing in healthy companies with large cash reserves is fairly safe, but commodities and other risky assets are a bad idea.
* Plan ahead, be cautious and don’t get overextended. The first sign of trouble is likely to be short-term interest rates starting to tick up. If you see that happening, reduce your exposure.
* If you are retired or almost retired, all of this is particularly relevant. Be extremely vigilant and pay close attention to the subtleties of the marketplace.

Founded in 1987, Glen Mills, Pa.-based Daniel A. White & Associates is a financial planning firm specializing in asset protection and transitional and retirement planning. Through a team of knowledgeable experts, Daniel A. White & Associates provides comprehensive financial planning for retirees and pre-retirees in estate planning, asset protection, wealth management and wealth transfer strategies.

www.danwhiteandassociates.com

Duchess of Style: Kate Middleton Wows On Royal Tour

Hit: Elegance personified Duchess Catherine

Catherine certainly knows how to make an impression and once again she wows in the style stakes as she and Prince William arrive in Canada in this gorgeous lace dress, which highlights her enviable figure while remaining classy. The Duchess has brought 30 outfits with her on the Royal Tour, so far they have all been as stunning as this one.

Kate Middleton and Prince William Heckled by Protesters in Canada.

The Duke and Duchess of Cambridge are going to St Lawrence River on the third night of their tour of Canada.

The royal couple are going up river on board HMCS Montreal, a City Class Frigate of the Canadian Navy.
They will be surrounded by a crew of 225 for the 11 hour journey to Quebec. Although they have been given the most comfortable quarters, it seems incredibly unromantic for the newlyweds.

The couple will arrive in Quebec at 2pm BST and have been briefed about possible protesters and republicans.

The Quebec Resistance Network, which wants the province to become independent, have threatened to disrupt the visit where the couple will be given the freedom of the city. Previous royal visits have fared no better, being marred by violence between demonstrators and riot police. The Queen has not returned to Quebec City since protesters turned their backs on her and booed in 1964.

This comes after the Duke and Duchess facing their first organised protests against their visit to Canada on their arrival in Montreal on Saturday night.

Demonstrators had placards calling the couple “parasites” as they arrived at the world renowned Sainte-Justine university hospital. There were also lots of supporters to cheer the couple on. One of the main protesters, Guillaume Martin, told reporters: “We think the monarchy is something from the middle ages and we don’t want to pay for the trip.”

The Canadian government will be paying the £950,000 to host the couple, this amounts to only a few cents a head for the country’s population. The couple ignored the protesters and spent more than an hour chatting to child cancer patients inside the hospital.

Prince William welcomed the Canadians with; “Bonne fête, Canada, happy birthday,” in his speech.

Catherine Middleton had never been to Canada before, or America, which is also part of their tour.

Top ‘Road Trip’ tips – How To Have The Perfect Road Trip.

Top ‘Road Trip’ tips – Emma O’Boyle, TripAdvisor spokesperson

In The Open Road, out on DVD 25th April, Carlton (Justin Timberlake) and his friend Lucy go on a road trip across America to find his estranged father and bring him home. Long car journeys with family and friends can be tough going at the best of times, so whether you’ve got a long drive to a festival or a summer adventure coming up, here are some top tips for avoiding the many potential road trip pit falls.

Prepare your car – have your car inspected before you go, change your oil and check fluid levels. Make sure you have all relevant documents – including licence, insurance and registration – and that you know where they are all at all times. Keep a cool bag with drinks and snacks and re-fill this at rest stops. Bring a first aid kit.

Keep small change in several currencies – be prepared for road tolls. Most toll booths will accept coins only, so avoid an embarrassing reversing-out-the-queue moment and make sure you have change to hand.

Bring suncream – you can and you will get sunburn through the car window

Beware roaming charges – check with your mobile provider before you leave to find out what charges you could incur and how best to avoid these

Bring zone-out material – you’ll be in close quarters and ‘alone time’ will be difficult to come by when your fellow road-trippers start getting on your nerves. Stock up your iPod, tablet, laptop etc. with your favourite TV shows and DVDs so you can block everyone else out when needs be.

Miles and Kilometres – Be aware that your speedometer may be in miles, but the speed limit measured in kilometres depending what country you’re in. Know the conversion (1 mile = 1.6 km) or you could end up with a nasty speeding ticket

Be ready for sleep – bring a blanket and pillow to make yourself more comfortable in between driving shifts and, if you’ve booked a hotel, remember that most check-in times are between noon and 2pm, so plan your driving schedules accordingly

Prepare a good and very extensive playlist – you will have difficulty finding a radio station in many locations, so bring your own music. Make sure you playlist is at least a few hours long so you don’t find yourself listening to the same ten songs on repeat

Go to the bathroom at every rest stop – even if you don’t need to because the next one could be very far away. This will avoid any uncomfortable and embarrassing roadside stops.

Bring embassy and government contact numbers with you – in case you lose your passport or any other important documentation, be sure you know where your nearest embassy or consulate is at all times so you can you rectify the situation as soon as possible

Share the driving and do it in shifts – a tired driver is an unsafe driver

“The Open Road is out on DVD 25th April.”

The Joy of Teen Sex?

America is not impressed. Teens are having sex, and MTV is doing f***all to discourage them. As if showing Miley Cyrus’s videos on an hourly rotation isn’t abominable enough (AOL has voted her the worst celebrity influence for the second year in a row – why such a poll was considered necessary, or how Taylor Momsen slipped through the net who knows), the channel is currently airing a brand-new US version of Skins, the cult UK TV show thanks to which youngsters all over Britain have been snorting cocaine and having barely legal lesbian sex after and (more likely) during school hours since 2007. American parents, advertisers and activists are protesting, claiming that the show exhibits child pornography and violates legal requirements to protect young viewers and the teen actors themselves.

In one sense, I sympathise. I feel like I can’t switch the TV on these days without catching a glimpse of sexually hyperbolic children. During last Wednesday’s episode of The Joy of Teen Sex the nation was treated to one youngster’s cringetastic first attempt to ‘go down’ on his girlfriend having just overcome his chronic fear of vaginas. Cue applause from the cameramen?

Now it’s not that long since I was a teen (those who saw my last column will know I cling to youth with a desperation to rival Dorian Gray). However, as a mildly antisocial specimen I wasn’t privy to what one might call the full spectrum of experience early on. I wasn’t (quite) a complete dork, but I was nevertheless more an Inbetweener than an Effy (see below – notorious and sorely missed UK Skins character seasons one through four – I will cool off the TV references soon I promise). When a friend recently told me that he “was getting head in year eight at the school disco, and was one of the later ones,” I was taken aback.  I have a brother in year eight, perhaps why I found this particularly disturbing.

Left-right: Freddie, Effy, Cook and Panda- UK Skins gang seasons three and four

I remember a definite ‘awakening’ occurring during my mid-teens however. For example, I recall a year nine English lesson during which a friend and I compared what we’d done over the weekend. I had written an essay, ironically on Romeo and Juliet – an early parable about the potential hazards of teen sex. She’d given her boyfriend a blowjob during Shrek at the cinema. “WHY???” I gawped.  “He wanted one,” she shrugged.

Obviously there had been various infamous events: “I heard she had an abortion when she was 12,” “they had sex on the beach during the year nine Isle Of Wight trip and TEACHERS FOUND THEM,” and house parties were, by year ten, synonymous with all manner of sexual hijinks. Still, I wasn’t quite prepared for this revelation from a hitherto very shy and retiring girl. But it was not an outrageously outlandish example, and rightly or wrongly, a good proportion of my year had swapped fluids by via one means or another by the time they sat their GCSES.

More recently, I was chatting with a 14-year-old girl when the question of BOYS came up. Ah, I thought, a chance to share the wisdom of years, perhaps help my young friend avoid some of the pitfalls into which I in my naïve youth had fallen. What was the problem, I asked? “Well my last boyfriend dumped me because I wouldn’t give him a blow job. It was kind of unfair, as I had ‘received’, but wasn’t ‘giving’, yano? I mean I’m not at all what you would call frigid, but I just didn’t fancy it. Also the guy I like smokes, and I used to LOADS but I quit a year ago and I really don’t want to start again, and I’m worried if I go out with him I will.”

I took a deep breath. Then I told her as tactfully as possible that her ex was an asshole she was best shot of, and that perhaps she might prove a healthy influence on the new guy and get him to quit smoking. The admittedly tenuous point is that the decisions and attitude she expressed to me in no way mirrored what she had seen on the box the previous night (she likes QI). Furthermore, she rightly stopped when she felt uncomfortable, and this can probably be attributed to her own resolve rather than abstinence from inappropriate television.

The argument I’m havng a semi-arsed attempt at making is that teens are going to have sex whether their parents like it or not. At least some of them. We should accept this, and as they say in The Joy of Teen Sex, the main thing is that it is safe and consensual. Though Skins might be amplifying the fantasies of the Inbetweeners crowd more aggressively than Glee (I lied about the reference thing), if parents are to complain, I’d argue that the smoking/narcotics-related element of proceedings is more worthy of their energy. I personally found the total departure from any attempt at a cohesive or engaging plot in last week’s episode infinitely more offensive than the frequent references to f***ing.

Obviously the second my brother goes anywhere near a girl with the intention of touching anything other than her hand I’ll be whacking a chastity belt on him faster than he can say ‘hypocrite’.


Money For Nothing – And The Trick’s No Fee

When Britain lost the War of American Independence in 1783, we nonchalantly withdrew, safe in the knowledge that the fledgling nation had taken on board our delights of fighting a Civil War, and subjugating and exterminating the indigenous people.

Meanwhile, Britain returned to its attempt to turn every schoolroom world map a lurid shade of pink as the British Empire expanded by wont of deciding we knew far better than the cultures of vast swathes of Africa and Asia.

From such unlikely beginnings, our special relationship with the USA has grown and grown. We were never so glad to see our former foes fight alongside us in The Great War, and there can be no doubt that the influx of tens of thousands of American troops turned the tide of a muddy, bloody stalemate.

And, while late to the party again in World War II, American forces once more helped to bring an end to six years of devastating conflict. Meanwhile, GIs (Overpaid, Oversexed, Over Here) brought nylons, gum, jazz and chocolate to a beleaguered and grey England, while getting brides – and surprise children – in return.

Glossing over our penchant for gambolling playfully at America’s feet in gratitude and thus embroiling ourselves in two unwinnable guerrilla conflicts in the Middle East, our tradition of cultural exchange continues to this day.

They gave us Elvis Presley, we gave them the Stones and Beatles. They gave us Hollywood glamour and Marilyn Monroe, we gave them Carry On and Ricky Gervais.

Not forgetting that Halloween barely existed as an event in Britain when I was a kid. The first trick-or-treater I ever heard knock on the door was around 1983.

Faced with one of the local children proclaiming ‘trick or treat’ on the doorstep, my puzzled mum replied: “Trick!” There was a brief, equally baffled pause before the child went to find someone more clued-up.

And though I’ve been a long time out of High School, I don’t recall any talk of Prom Nights in Britain until around the late 90s. The UK didn’t go in for that sort of thing, probably because the film ‘Carrie’ scared the shit out of everyone in 1976.

Suffice to say, my last day at school consisted of a myriad of shirt signings, revenge on those who had royally pissed you off during the year and hasty fumblings with girls who had suddenly become more romantic and attractive as the parting of the ways beckoned.

I digress.

Something else we’ve learned from America is how to sue.

The USA is the most litigious country on the planet. Frankly, you can get sued in America at the drop of the hat, particularly if that hat then trips someone up. And now, we’ve cottoned on to making a fast buck in the same way.

Students, the unemployed or unemployed students who, between watching Jeremy Kyle’s show about British pond life and David Dickinson’s mahogany features on The Real Deal, are no doubt familiar with those ‘no win, no fee’ adverts from legal types.

They tend to show various idiots who have fallen off ladders, tripped over lethal plastic box-ties, or swallowed a pint of weed killer in a misguided attempt to eradicate their own gene-pool, and are now holding fat cheques after successfully blaming someone else for their own incompetence – albeit not quite as fat after the victorious lawyers have taken their mammoth commission.

Trouble is, it’s really no joke. Councils now spend tens of thousands of pounds on compensation every year, ranging from people falling over pavements, being grazed by falling tree branches, hitting heads on low signs and, in the case of a landmark ruling against Hounslow Council, a £100,000 payout to a couple with learning disabilities, who were subjected to abuse by their neighbours.

Regardless of the rights or wrongs of the latter judgement, it doesn’t take a mathematician to realise that if people weren’t suing the council for tumbling over uneven pathways, there might be more money available to get them fixed.

Meanwhile, a number of councils have realised it’s cheaper and easier to fell mature trees rather than put up with the fiddly business of keeping them maintained and so cure the problem of possible conker-shaped bruising.

Speaking of cures, doctors and hospitals now routinely take out malpractice insurance in the event of a legal challenge. Not that loved ones shouldn’t have the right to compensation when something has gone wrong, but there’s something definitely amiss when a man sues the NHS for allowing him to get to 70st.

As Barbara Ellen sagely pointed out in The Observer: “I’m confused. Did his GP say to him, ‘yeah, you look great at 50st, just keep eating”? As he ballooned to the point where it became a military operation to get him to hospital, were nurses feeding him fry-ups? Well, no. Paul Mason is now 37st, thanks to gastric surgery performed by the NHS.”

So, thanks to all this ‘fall down, get rich’ culture, we now live in a Health & Safety wonderland, where school trips are cancelled because of fears of litigation, packets of peanuts come with the disclaimer ‘warning, contains nuts’ and cards for two-year-old toddlers state ‘not suitable for children under 36 months’.

I would go on, but I’ve inadvertently crushed my fingers with the iMac after rooting around for a stray crisp. Now all I have to do is find the name of a good lawyer and Apple’s arse is mine.

Image: Chris Sharp / FreeDigitalPhotos.net

http://www.freedigitalphotos.net/images/view_photog.php?photogid=584

The Tardis Crash Lands in America for Doctor Who {TV}

The BBC have announced that series six of Doctor Who will kick off with a two-parter set in the US “penned by “Who supremo” Steven Moffat.”

In the special two-parter co-produced with BBC America, key scenes will be filmed in Utah for a story set in the late Sixties in which the Doctor, Amy and Rory find themselves on a secret summons that takes them on an adventure from the desert in Utah right to the Oval Office.

Shooting for the scenes in America will start in mid-November Matt Smith, Karen Gillan and Arthur Darvill will be joined by Alex Kingston who reprises her role as River Song.

“The Doctor has visited every weird and wonderful planet you can imagine, so he was bound get round to America eventually! And of course every Doctor Who fan will be jumping up and down and saying he’s been in America before. But not for real, not on location – and not with a story like this one! Oh, you wait!” – Steven Moffat

The new series follows on from the Doctor Who Christmas Special guest starring Katherine Jenkins and Michael Gambon which is due to broadcast on Christmas Day. Series six will start airing on BBC One in spring 2011 and the second half of the series in autumn 2011.