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For those students who cannot afford the time or money to take full-time courses on campus, an online education degree has removed many roadblocks. In fact, there are several advantages over traditional degrees. Nevertheless, because the methods of instruction and learning are quite different, students need to consider the adjustments and changes necessary to receiving a quality education degree online.

1. Choosing the best education online institution – Make sure the institute for higher education chosen has adequate resources and accreditation recognized by the proper authorities. Unless authenticity can be verified, find another school. Sadly, unscrupulous degree mills offer degrees with short-term or no real education. Thus, the diplomas are bogus and absolutely worthless. Find a school that provides solid education, ample student support, and the facilities necessary to succeed in your distance learning.

2. Analyze cost vs. benefit – Some students enroll in a distance learning program without considering the cost. Generally, the cost per credit hour is fairly expensive. However, decide whether the education will translate into better income opportunities down the road. Only after assessing the true benefits can students appreciate the rewards of obtaining an education online degree.

3. Provide degree verification to potential employers – Faced with the prevalence of bogus and worthless degrees, it is no wonder that prospective employers are a little wary to hire employees who have acquired a diploma through distance learning. Therefore, anticipate potential skepticism and bring along proof of accreditation from the college or university. By underscoring the recognition of the U.S. Department of Education and CHEA, it will immediately alleviate any degree misgivings.

4. Practice discipline, intrinsic motivation, and good time management – In the beginning, students may not fully comprehend the discipline necessary to stay focused and keep pace with online classes. It takes strong intrinsic motivation to succeed without the classroom atmosphere and peers. Time management is critical. Setting up communication with other students will be most helpful on the road to success.

5. Utilize all the facilities provided – Online courses generally provide online lectures and email correspondence to ensure a means of communication with instructors, tutors, and fellow students. Take advantage of every opportunity to utilize these resources of motivation and encouragement, as well as establish a sense of connection with the college or university.

6. Make use of Credit transfers – Even institutions solely dedicated to the online education degree will generally accept some, or all, of the credits obtained from another accredited online college or university. So, to avoid the expense and time necessary to retake unneeded courses, make the effort to obtain official transcripts. Then, the applicable credits can be transferred, bringing the student a little closer to that coveted diploma.

7. Make use of the educational technology – Accredited online universities offer a plethora of opportunities for doing necessary research and other facilities to ensure adequate completion of the course. Normally, the cost of virtual libraries, the programs to access online lectures, and even student online access and e-mail accounts are factored into the cost of the course. Therefore, it only makes sense to use all the technology available to make the most of the educational opportunity in achieving an online education degree.

The author contributes articles about education online and distance learning degrees and colleges including information on online education degree programs to meet your educational objectives.

An event photographer is someone who you want to photograph your wedding. You will want them to possess a few qualities such as style, motivation, experience and good communication. An excellent event photographer will only posses these qualities through experience, so make sure that they are well trained and can focus on what you want is important.

Every event photographer will have their own style. Your ideas about your wedding should coincide with the photographers style. If you don’t you could up with a horrible experience. Every event photographer will have a different style. Traditional and wild are two extreme styles of photographers. Photos of the bride and groom, and the wedding party are examples of a traditional style. Wild styles can be anywhere from being completely serious in all of the pictures to making funny faces.

An event photographer should be highly motivated, try to find one who is. You do not want to have someone who is inactive and sitting around missing all the good pictures they could be capturing. Motivation is not just about wanting to do the job, but finding a way to enjoy it and bring trust as well as good verbal communication to everyone as well.

Over time is the only way an event photographer will gain experience. In some cases you should ask questions such as where they were previously employed and for how long. Asking these questions can help you make a clear decision when choosing an event photographer. If they are now employed by themselves you can find out what kind of work they produced when they were employed by asking their previous employer. It’s better to find out now even if it is kind of a sneaky way of getting the information.

Make sure that you are relaxed around your event photographer. When you are around them they should make you feel comfortable as well. This will help them in capturing the precious photos later on at your wedding. If you are nervous around your event photographer you will see that emotion in your wedding pictures.

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Regulation D, Under Sections 4(2) and 3(b) of the Securities Act of 1933, the SEC adopted Regulation D to coordinate the various limited offering exemptions and to streamline the existing requirements applicable to private offers and sales of securities. The Regulation establishes three exemptions from registration in Rules 504, 505, and 506.

Rule 504, which provides an exemption for non-reporting companies unless they are “blank check” issuers or certain “shells”, stipulates that: The sale of up to $1,000,000 of securities in a 12-month period is permitted provided that there is no general solicitation, the securities sold are restricted securities and cannot be resold except pursuant to a registration statement or exemption, and a notice must be filed with the SEC within 15 days after the first sale. Rule 504 does not provide an exemption under any state laws. In certain limited circumstances where an offering is conducted under state accredited investor exemptions, securities offered under Rule 504 may be freely transferrable. Unlike Rules 505 and 506, Rule 504 does not mandate that specified disclosure be provided to purchasers. Nonetheless, the business person should take care that sufficient information is provided to meet the full disclosure obligations which exist under the antifraud provisions of the securities laws.

Rule 505 was adopted by the SEC to provide small businesses more flexibility in raising capital than under Rule 504 – but without the uncertainty of determining the quality of the purchasers that generally is involved in using Rule 506. Rule 505 provides issuers a limited offering exemption for sales of securities totaling up to $5 million in any 12-month period.

Rule 505 contains certain restrictions regarding “accredited investors” and non-accredited persons. The-term “accredited investor” includes:

Banks, insurance companies, registered investment companies, business development companies, or small business investment companies; Certain employee benefit plans for which investment decisions are made by a bank, insurance company, or registered investment adviser; Any employee benefit plan (Within the meaning of Title I of the Employee Retirement Income Security Act) with total assets in excess of $5 million; Charitable organizations, corporations or partnerships with assets in excess of $5 million; Directors, executive officers, and general partners of the issuer; Any entity in which all the equity owners are accredited investors; Natural persons with a net worth of at least $1 million; Any natural person with an income in excess of $200,000 in each of the two most recent years or joint income with a spouse in excess of $300,000 for those years and a reasonable expectation of the same income level in the current year; and Trusts with assets of at least $5 million, not formed to acquire the securities offered, and whose purchases are directed by a sophisticated person.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish audited financial statements.

If an issuer other than a limited partnership cannot obtain audited financial statements without unreasonable effort or expense, only the issuer’s balance sheet (to be dated within 120 days of the start of the offering) must be audited.

Limited partnerships unable to obtain required financial statements without unreasonable effort or expense may furnish financial statements prepared on the basis of federal income tax requirements and examined and reported on by an independent public or certified accountant in accordance with generally accepted auditing standards; and The issuer must also be available to answer questions by prospective purchasers about the issuer or the offering.

Further restrictions under Rule 505 include:

The total offering price of each issue of securities may not exceed $5 million. The offering may not be made by means of general solicitation or general advertising. The issuer may sell the securities to an unlimited number of “accredited investors” and to 35 non-accredited persons. There are no requirements of “sophistication” or “wealth” for persons to whom the securities are sold. A company must take any necessary steps to ensure that the purchasers are acquiring securities for investment only, not for resale. The securities are thus “restricted” and investors must be informed that they may not be able to sell except pursuant to a registration statement or exemption from registration. The issuer is not required to file any offering materials with the Commission. Fifteen days after the first sale in the offering, the issuer must file a notice of sales on Form D. The notice also contains an undertaking under this Rule for the issuer to furnish the Commission, upon its staff s request, any information given to non-accredited purchasers in connection with the offering. Rule 505 does not provide an exemption from state securities laws.

SEC Rule 506 offers and sales of securities by an issuer that satisfy the conditions stated below are deemed transactions not involving any public offering within the meaning of Section 4(2) of the Securities Act. For an offering to be considered exempt from the registration requirements, Rule 506 stipulates: There is no ceiling on the amount of money which may be raised. No general solicitation or general advertising is permitted. The issuer may sell its securities to an unlimited number of accredited investors and 35 non accredited purchasers. Unlike Rule 505, all non-accredited purchasers (either alone or with a purchaser representative) must be sophisticated – that is, have sufficient knowledge and experience in financial and business matters to render them capable of evaluating the merits and risks of the prospective investment. The term “accredited investor” is defined under Rule 505.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish the same financial information as would be required by registration on Form S-1.

If the issuer cannot obtain audited financial statements without unreasonable effort or expense, then financial statements may be provided in accordance with the special treatment described under Rule 505.

The securities sold are “restricted” under the same stipulations in Rule 505.

A company is required to file a notice of the offering on Form D at SEC headquarters within 15 days after the first sale in the offering. All states except New York provide an exemption from state securities laws for offerings under Rule 506 but the company must file a copy of the Form D and pay a filing fee in each state. New York has a distinctive law which makes a Rule 506 offering within that state impractical.

Accredited Investor Exemption

The Small Business Investment Incentive Act of 1980 created a new statutory exemption from registration under the Securities Act for transactions involving offers and sales of securities by any issuer solely to one or more “accredited investors.” Under Section 4(6):

The total offering price of each issue of securities under the exemption may not exceed the limit on small offerings set by Section 3(b) the Securities Act, which currently is $5 million per issue. The offering may not be made by means of any form of advertising or public solicitation.

The term “accredited investor” is defined to include the same individuals and entities as included for purposes of Rules 505 and 506. The issuer is required to file a notice of sales on Form D with the Commission 15 days after the initial sale is made in reliance on the exemption.

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A logo is a key element of brand design and people often mistake the two as same. The reality could not have been farther from this. Brand designing is one of the critical tools which a business can utilize for its benefit whenever it is interacting with its customers or other parties. Redesigning a brand is only necessary when your existing brand image is not serving the aim of developing a positive impression on customers.

An effective brand design is one that covers all aspects of the brand identity and transforms the way a company projects itself to external parties. In addition to the logo, a brand design covers ad jingles, the company website, marketing pamphlets and posters, and the company’s customer support offices.

Proper brand designing will ensure that the organization gets a more positive reaction from the customers. However, it is not all that simple to create a good brand identity It takes a significant amount of work, and requires the person developing it to know the customers and the rivals of the organization, as well as the benefits of its offerings. This leads us to the importance of brand design consultants.

Brand design consultants are experts in this area. They have to first carry out the basic analysis of a brand, including gauging its strength and the organization’s objective behind the revamping exercise, assessing the current and emerging market situation, and the actions of rivals. Thereafter, they focus on creating a new brand identity for the company, which is their key responsibility. This task entails an assortment of activities like developing catchy ads and attractive logos; and updating packaging design, corporate literature, and company website.

In summary, it is not advisable to go for brand designing without taking the assistance of brand design consultants. Their knowledge and skills will end up playing a crucial role in creating a successful brand image.

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In today’s energy climate more and more people have become motivated to accomplish what they can to become more energy efficient to conserve energy and money. Regrettably this same climate has encouraged some to take advantage of innocent consumers’ desires to save energy and reduce operating expenses.

Vendors that advertise power factor improvement (kVAR correction) and transient voltage suppression to save energy are a good case in point of this bad trend. Recently we are seeing more and more of these businesses cropping up and we believe it is time to set the record straight.

First off, transient voltage surge suppression (TVSS) plays an important part in improving power quality to guard sensitive equipment inside a facility. However, TVSS does not save energy. TVSS’s are barely active an infinitesimal portion of a second to defend against voltage surges which only last for less than a millisecond. To actually decrease energy use the TVSS would need to essentially cut power consumption for an extended amount of time which is not what they are designed to do. Again, TVSS is essential to protect susceptible electrical equipment but consumers should steer clear of vendors promising, or even guaranteeing, a reduction in energy consumption.

And what about salespeople who maintain that increasing power factor will save 15% or 20% or 30% of energy consumption and resultant costs? This is false but also a bit trickier.

For homes, power factor correction does zero to save energy because the average home already has an average power factor of approximately 0.97 which is nearly the perfect power factor of 1 or unity. Additionally, the unit (called a capacitor) is installed at the homes main circuit breaker. According to IEEE 5.5.3.3 capacitors must be located at or near the individual inductive motor loads to decrease power system losses by reducing heat and distribution losses known as I2R losses.

So what about commercial and industrial facilities looking to use power factor correction to shrink energy expenditures? It is completely appropriate for a business that is incurring penalties or a kVA billing structure from the utility company to improve the facility’s overall power factor by installing a capacitor bank at the main electrical service entrance or individual capacitors at or near the particular motor loads. Doing so will do away with the power factor penalties and/or reduce the kVA demand charges on the electric bill which can save considerable money and provide a significant ROI on the investment.

But what about power factor correction reducing kWh consumption? IEEE also tells us that at most I2R losses only account for 2 to 5% of the total load in a facility. Simple arithmetic tells us that it would be in opposition to the laws of physics to obtain the 15% to 30% energy reduction claimed by some vendors. Consider it. Even if your facility had 5% distribution losses and you could correct 100% of the predicament via power factor correction at every load (which can’t be done) you would still save no more than 5% at most. No where close to the claims of some capacitor reps and manufacturers.

All that said, power factor correction when done appropriately will eliminate utility penalties and kVA demand charges, improve facility power quality, increase electrical system capacity, and save a modicum of energy when applied at the proper motor loads in an industrial facility.

So make an investment in transient voltage surge suppression and power factor correction when appropriate and necessary. But caveat emptor!

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