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Submitted by: Gavin Eastwood

Interactive online study programs what makes them so popular?

Online study and internet based distance learning is here to stay. There are good reasons for online study as there are for traditional classrooms but really well established institutions of higher learning are all adjusting quickly to the online style of educating people – all people. From pre-K children through graduate level students, online learning and study is a major new factor across the educational landscape. That’s not to say that all learning is moving to the internet, but there are good reasons that so much learning is happening online today.

The New Interactive Education

The number one reason for the popularity – and the success – of online learning is that it promotes and successfully utilizes the interactivity that’s so important to all learning. Interactivity online can take place immediately, and personally, without interfering with the simultaneous interactivity of all of your fellow students.

Any number of busy professionals will guess that interactive online learning is successful because people simply don’t have time for traditional, full-time, on-campus study. There are a lot of good arguments to be made for that point of view too. The next big plus for online study is affordability. Online learning requires only a fraction of the overhead to the institution so by nature it is more affordable. Another important factor as is the convenience of not having to travel. Many students simply could never afford to work all day and then travel each night to classes at their local university campus. But issues of affordability and convenience had all already been dealt with even 50 years ago!

Television just never cut it.

Just imagine taking a course for a master’s degree or even an undergraduate degree by watching a 10 week series of one-hour long television programs. You could even ask as many questions as you like by mail. The program might even be free, and certainly, you’d be comfortable on your couch, but without the ability to ask and clarify and fully interact with your instructors and your fellow students, the level of actual learning is going to be very low. One might argue that even the level of attention paid by the students is going to be low. Without interactivity, students simply have fewer stakes in the results.

Students today can share and communicate in a virtual learning environment sometimes far better than they could in a traditional environment. In real time, students can access study materials, audio and video lectures, assignments, handbooks and eBooks. Sharing and trading information is usually encouraged and there is none of the social pressure of the normal university setting. You re normal life goes on just as you would have it and you re working at improving it, virtually, at the same time.

Everyone may very well want a result as fast as possible, but all learning proceeds at its own pace and the internet doesn t necessarily make earning your degree a lot faster. Though you will find accelerated and expedited online degree programs, there is still a natural course through which education in particular fields needs to proceed. Professional educators and peer groups decide on the absolute minimum standards in just about every field, and many of those fields end up being online study programs. Not every study program can be achieved purely through internet distance learning, but many new degree programs will be coming online in the years to come. And the interactivity in the courses that you see now will be an important part of all of them.

About the Author: Gavin Eastwood is the owner of an online education site. Looking to learn more about getting your degree online? You have come to the place to weed through your online college and university options and find the perfect one for you.

degreejungle.com

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How reliable and efficient are Smart cars compared to other models in the same field?

by

Essence Harold

This is not a huge concern these days as most car manufacturers have just gone through a bidding war, offering longer and longer warranties. Yet it is important to know that Smart models have been developed to be a high standard of reliability.

So if this is something you are concerned about then here is a selection of reasons why Smart models are durable, completed with a little help from www.carleasingspecialoffers.net:

For so many drivers, efficiency is a fundamental measure to take into account when choosing a car and in this respect a Smart is a great option. Smart cars are incredible economical to drive, which means they’ll hold up well if you’re taking regular long distance trips. Smarts are perfect for the everyday driver, as they are built with functionality in mind which means that you can drastically cut back on the amount of fuel you use at the pump, particularly compared to other similar vehicles. This is just one of the factors that have contributed towards the Smart being a best-seller for its type. As a result, they are perfect for everyday driving around, such as for getting around the town, making the daily commute or dropping the kids off at school.

With a new Smart you get a car with modern and stylized interiors, with smooth surfaces and flash colours. The display panel is brightly lit and easily visible and the fabrics and upholstery are of immense quality. There is also a stereo system and easy to use control panel, which is ideal for the modern driver. Interiors are also easy to clean, making them perfect for young drivers or people with children. The stylish and practical design of Smart cars, as well as the other aspects mentioned in this article, makes Smart cars perfect for professional, young and modern drivers that do a lot of city driving.

Smart engines can offer you making it eco-friendly. This technology has been developed over the last few decades to provide an alternative to the gas consuming engines and cars of the seventies and eighties, this means that driving a Smart is a lot more efficient. You will therefore be cutting down on the amount of fuel that you use and you could save a lot of money over the course of the year. As a result Smarts are perfect for people who drive often particularly commuters.

Smart cars are really quick and clear to use mainly because of the extremely low power to weight ratio. They are really full of excellence for speed acceleration and city roving, making them ideal for commuters or for regular trips into the city centre. The speed and power of the engine which Smart motors are adept at ensures that the firm has gained a reputation for making quick, simple to manoeuvre cars which are superbly built for negotiating any of the hazardous travelling conditions you may encounter. This perhaps explains why Smart leasing at www.carleasingspecialoffers.net is such a prime choice with university leavers and young families.

When driving a Smart you can’t help but notice how smooth it runs, as it seems to flow along the street effortlessly. This may explain why it is so efficient, or at least more efficient than some cars, as it is very economical to run. All of this means that you appreciate getting comfortable in the driving seat and taking your Smart out for a ride, irrespective of whether it is to a bustling shopping complex or your job base. What’s more they handle excellently giving you a steady control and practical grip on the tarmac. For this reason the driving of Smart cars makes them unique in the market.

Most drivers prefer to choose a car that is both practical and functional as they want to make sure that they feel entirely at ease in their car. Design is an absolutely crucial element in creating a car that will perform not only functionally but in terms of performance and comfort. Due to this, the engineers at Smart have pulled out all the stops to improve the functionality of their cars, choosing to create a car that the modern driver will appreciate. Smart cars have all taken into account the needs of the everyday driver, for instance, they might have more room in the boot for luggage or extra child safety features. Cars in the Smart range are great for those looking to make everyday errands and commute.

Hopefully you now have a better idea of the features that make Smart models so reliable and you should therefore know whether they are ideal for your own personal driving needs.

To sign up for one of these great

Smart leasing

deals, then please speak to our excellent employees to appreciate how much cash you could save.

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Submitted by: Kenneth Robert

Home is the best place in the world where one meets with peace and warmth that is nowhere to be found. No matter, you travel to the far end of the world, and are fascinated by it, but the calmness and coziness you will find in your home is unmatched. Home is the place where your dreams, aspirations, ambitions and life takes beautiful shape and gets ultimate fulfillment. Having an exclusive home, which reflects your personality, is the dream of every man on this planet, earth. You, every now and then feel the need of making few necessary changes in your paradise, but the lack of funds, stop you from realizing your dreams. But, now you need not wait for a windfall, you can rely on the secured home improvement loans.

Secured home improvement loans, is an easy and cost effective way to make your home your dream home. Secured loan implies that you need to put something as a collateral security, for obtaining the amount of loan, at subsidized rate of interest. Generally, your home works as your collateral security. In case you don t wish to risk it, your fixed deposits or insurance policies work as a collateral security. These collateral securities provide the lender a sense of security for the recovery of the loan amount.

A substantial amount of amount can be taken as a loan under secured home improvement loan category. Generally, you can obtain the loan amounting from $5,000-$75,000, and the time period may vary from 5 to 7 years. Secured home improvement loans can even be obtained by those who have a tainted financial history, as the loan is secured at the cost of a collateral security. In such a case, you may or may not need to pay high rate of interest. Other things, necessary for obtaining the loan include you must be a citizen of UK for some time and have a residence where you have been living for a year s duration. The borrower must have attained age of 18 years and must be employed and receiving a monthly salary cheque, for ensuring the credibility of the borrower.

The amount of the secured home improvement loans can be used for making extensions in your home, buying fixtures and fittings, building a swimming pool, a basement, a gym or for completely renovating your abode. What concerns to moneylender is the timely repayment of loan amount.

It is quite convenient to look online for secured home improvement loans where you can find the list of the lenders. You can get the quotes from some o them and opt for the one that suits your needs. This saves you from the burden of bearing the cost of fuel and time that gets spent in oscillating form one lender to the other. Look out for the best deal, as the one which offers low rate of interest has crystal clear terms and conditions. And, the growing competition will give you a chance to opt for the flexible loan schemes so do not make decision in jiffy.

About the Author: Kenneth Robert is an expert financial advisor. To know more about Unsecured loans, Secured home improvement loans, secured business loans, secured personal loans, bad credit secured loans and no income proof secured loans visit

applyforsecuredloans.co.uk

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Submitted by: Sheila Challiner

According to watchdog, in the last two years complaints about personal protection insurance sold with loans, credit cards and mortgages have increased tenfold.

500 complaints a week are received by The Financial Ombudsman about the insurance, which works out at around 25 percent of those who have it.

Watchdog has written to the Financial Services Authority (FSA) asking it to bring the banking and finance industry into line.

Borrowers are been overcharged by a staggering 1.4 billion pounds a year through these protection insurances, according to an official study.

Millions of people have been mis-informed about PPI s and have been conned into buying them. They have been lied to by salesmen, some have even told customers that unless they buy the insurance they will not qualify for the loan, card etc. that they want.

There are more than 14 million PPI polices in existence alongside loans, mortgages, credit cards, store cards and car finance.PPI is supposed to help if the borrower suffers a sudden loss of income through unemployment or sickness.

There are many examples though of where PPI has been sold to people who do not even qualify for cover, such as the sick, pensioners and the self employed.

What is unusual about the complaints to the ombudsman is that they are about the way they have been sold, rather than people not being able to claim. The biggest complaint being that people did not realise that they were taking out PPI and the cost of the policy was not explained to them.PPI can add thousands to the cost of the loan.

In the majority of cases borrowers are charged a one off premium which is added to the cost of the loan and attracts huge amounts of interest.

Some companies have increased premiums resulting in policies that are often more expensive than deals available from a specialist company.

The commission may possibly put a cap on PPI charges and stop the banks selling the policies alongside other products.

Consumer group Which? condemned the PPI sold with credit cards as worthless. It said few people are able to make successful claims.

Personal finance campaigner at Which? , Doug Taylor, said: ‘Credit card PPI is a modern day snake oil – it’s a useless product, expensive and poorly designed.

‘As the credit crunch continues to take hold, people want to be protected and have peace of mind, but credit card PPI, like a house of cards, won’t give you the support you need.’

A number of well known firms have been fined by the FSA for mis-selling PPI.

The HFC Bank, was fined 1.085 million pounds, Capital One bank, was fined 175,000 pounds, and GE Capital Bank, was fined 610,000 pounds.

The FSA said: “The FSA is reviewing the position in the light of the information it has received from the ombudsman service, and the information provided by its own ongoing thematic work on PPI.

‘It will make a decision on possible measures to take on the basis of this review in due course.’

According to The British Bankers Association (BBA) PPI is becoming an increasingly important safety net for borrowers and restricting the way it is sold ‘could leave customers exposed, just as economic conditions are worsening’.

About the Author: The Mortgage-Factfile is a specialists in

Mortgage Protection Insurance

, offering fantastic deals and truly impressive information surrounding Personal finance and other great products. Our sister site Brokers Online offers cutting edge articles and information about

Mortgage Protection Insurance

and other financial products.

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Submitted by: Shane Bon

Sudden money troubles can bother you if you are running short of money before payday but you need not worry about all these problems because you can easily solve all such sudden problems taking the help of cash loans which are designed keeping in mind sudden needs. These loans are hassle free and easily accessible by the customers like you because you need not qualify strict criteria. The criterion that you have to qualify with these kinds of loans is very simple so anyone can easily qualify and get financial assistance from these lenders even from stepping out from there home. What more you can expect from these lenders?

Simple Criteria to Qualify:

The terms and conditions which you have to qualify are so favorable that it were never before. For being eligible for instant cash loans you just need to be 18 years old while applying. You should have checking account in your name which should be at least 3 months old. Your residence should be in UK. Above all your income shouldn t be less than 1000 per month. If all terms and conditions go in your favor, you can easily procure loan amount in the ranges of 100 to 1000 and more that depends on your monthly income too.

Online application process has made it easier and fast to apply and get loan. You just need to operate your computer and press some soft keys to provide basic details about you. All the details regarding you should be correct so that your application form get approved soon and soon you get loan amount in your mentioned account same day of applying. You need not worry about its approval process because it is fast beyond your imagination. But, the condition is all the details provided by you should be genuine.

It is necessary to know about loan amount, interest rates, and repayment of any loan if you are going to apply for any loan because these are some basic information that you should collect before applying for any loan. Generally, cash loans cover the short period till your next payday or 2 to 4 weeks. Interest rates that are charged on these loans are bit high so you should try to repay the loan amount as soon as possible.

Sudden money problems cannot create any problem in your way if you apply for cash loans at the time of your urgency because you will get monetary assistance on the very same day of applying. Sudden money troubles can bother you if you are running short of money before payday but you need not worry about all these problems because you can easily solve all such sudden problems taking the help of cash loans which are designed keeping in mind sudden needs. These loans are hassle free and easily accessible by the customers like you because you need not qualify strict criteria. The criterion that you have to qualify with these kinds of loans is very simple so anyone can easily qualify and get financial assistance from these lenders even from stepping out from there home. What more you can expect from these lenders?

About the Author: Shane Bon is a successful contributor to finance allied websites such as unemployed cash loans, which bestows information and advice about instant cash loans and ameliorating credit scores urgently. For more info emergency cash loans,

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.

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