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. Well, I have your answer. Because it’s sooo important for Barry to get Congress to act on this: White House press secretary Jay Carney said that Obama decided to seek to speak to a joint session of Congress because congressional action is needed to carry out his plans. Lawmakers will have just returned from their annual summer recess. “He believes the venue is appropriate because of the actions that need to be taken,” Carney said. The speech will conflict with a GOP presidential debate happening at the same time in California, but Carney said that was not a consideration. “It is coincidental,” he said. Lmao in his dreams


Online Phd Programs

Advancing one’s education in today’s fast paced world is important for anyone looking for career advancement in the field they have chosen. As our globalized world shrinks and technology advances one of the best ways to protect yourself from becoming obsolete in the work place is returning to school for a higher degree.

For those with busy work schedules and family obligations distance learning PhD programs offer the flexibility needed to accomplish this goal. Being able to schedule classes, school work, and study time around work and family is the primary drawing point for those who undertake an advanced online degree. Online courses allow you to attend classes, download/upload course work, and have access to professors and advisors all over the internet.

The vast majority of online colleges and universities are accredited; meaning the degree you earn is just as valuable as a degree earned attending classes at a “brick and mortar” college. In fact many large colleges and universities are now starting to offer their own distance learning doctoral programs and competing with the online colleges. This gives anyone interested in obtaining an advanced degree a wide variety of options when choosing a program in your field of study.

The flexibility of these online degree programs is what attracts most students. It does require a bit more discipline since you are responsible for ensuring you attend all lectures and completing all course work on your own schedule.

The flexibility of going back to school online includes the following benefits:

• You can attend class anywhere you have world wide web access at anytime you wish. You can study and do your work from home, at work, or anywhere else you can take your computer and get on the web.

• Online courses are designed in such a way to allow student centered learning. This means you decide the best way for you to learn the material.

• All courses and study materials are available 24 hours a day 7 days a week. This gives you the flexibility to go over any and all lectures and other materials as many times as you want.

• Even though you do not physically attend classes you can interact with your classmates and teachers through classroom discussions and discussion groups over the web.

• The use of new technology and interactive web resources helps you sharpen skills that will be highly sought after in the workplace, including the ability to network with other users.

• The ability to research and learn is unrestricted as you have the ability to use the internet’s power to access a wide variety of valuable content, not just that provided by the school you have selected.

• Integrated learning and teamwork are a valuable part of the online learning experience.

Advancing your education is one of the best ways to further your career and pay opportunities. For those looking for an advanced degree distance learning PhD programs offer the flexibility to those who might not otherwise get the opportunity to return to school because their life is to busy.

Matt Morton, British Council International Student of the Year 2009, talks about getting a PhD in the UK from an American perspective


Retirement Planner

My wife and I are planning to retire in the next few months and will receive several hundred thousand dollars from our retirement funds. We need to work with a financial planner to be able to roll most of this money into accounts that won’t be taxed until we withdraw funds to spend. How much should we anticipate having to pay a financial planner to arrange this. Also, if anyone knows about these things will it be possible to make such a rollover? I am 63 and my wife is 64. Do you know what I found? There should not be any charge to roll your funds over and set up your new accounts. There will be fees associated with the particular funds you purchase and trading costs. But with the amount of your investments, account fees should be low. Check with your current bank and find out what investment services they offer. Then do the same thing with a large bank such as Bank of America. Next check out a broker, Charles Scwab or Vanguard. Compare their fee structures and products. Keep in mind that they will all be after your money, so be careful and don’t sign up until you have compared several companies and carefully considered the pros and cons of each. You should be able to place your money in a variety of products. Some conservative growth funds to protect you from inflation as well as tax free bond funds. Ideally you will be able to roll your retirement proceeds into a ROTH IRA. That will make all future proceeds tax free.

Should I use a retirement planner or financial advisor? Part One in a Five-Part Series. . . Retirement Jock. . . Jeff Thompson www. Retirementjock. Com Jeff Thompson, Retirement Jock and Managing Partner of Flagship Financial Partners, presents the difference between a Financial Advisor and a Retirement Planner.