Why Do We Really Need Life Insurance?

IDay

September is Life Insurance Awareness Month – a time devoted to raising awareness and educating consumers about the importance of life insurance coverage.

The first modern life insurance policy, dating back more than 3 centuries, is testament to a long history of mankind’s financial worries when planning for life after death.  Early forms of life insurance date to Ancient Rome, where “burial clubs” covered funeral expenses for members and provided financial assistance for survivors.  Modern life insurance policies started in the early 18th century; the first company to offer life insurance, the Amicable Society for Perpetual Assurance Office, was founded in London in 1706. In the late 1760s, life insurance sales were first seen in the USA in Philadelphia and New York.   At the end of the 19th century, other rising countries followed the trends and life insurance companies started to emerge.   In 1881, Meiji Life was the first life insurance company in Japan.  On The University of Alabama campus, the first Japanese life insurance policy (see attachment 1) is proudly displayed in the Insurance Hall of Fame.

The First Life Insurance Policy in Japan

The First Life Insurance Policy in Japan (attachment 1)

Japan, a huge actor on the life insurance scene, is the third largest market for life insurance today, after the E.U. and the United States. Today, five Japanese companies are in the top 20 of the largest providers of life insurance, and four of them are in the top 10.

So what makes life insurance so important? A life insurance policy is a contract between the insurance policy holder and the insurer, where the company providing the insurance promises to pay to a beneficiary, designated by the holder in advance, a sum of money upon the death of the insured person.  This kind of insurance is critical to avoiding a huge money crisis in the event of a death. A life insurance policy provides a way for survivors to pay off debts and loans and to remain in the family home.  It allows the family time to grieve and to recover without the added pressure of financial stress. Long term illnesses can be financially catastrophic, and a life insurance policy is the best protection from this.

We are proud to join the movement and help raise awareness for life insurance.  We will hold in October 8th, 2014 the Alabama Insurance Day on our campus of Tuscaloosa. Check our website for more information about this event or to learn more about life insurance. Follow us on Facebook, Twitter and LinkedIn to stay in touch with us and get the latest news about insurance.

How to get Comfortable with Technology for Online Courses .

Getting comfortable with online

Studying for online courses requires some unique considerations for you to understand in order for you to be comfortable, and thus effective, in completing your course.

Now, some people have the impression that online education can be lonely and voice the concern that they feel isolated at their computer with nowhere to go for help or guidance. Part of the underlying reason for this is many students do not have a total understanding of the obligations of the student when it comes to online education.  So let’s look at some of the technical issues that can help an online student be most successful.

TECHNOLOGY

The first thing you need to have is an understanding of the technical aspects of online education.  The goal is to be comfortable with the technology so you can focus purely on learning.  With this in mind everyone has different comfort levels with technology, and let’s face it technical issues will happen.  The question becomes what can you do to fix the problem?  By acquiring some fundamental computer skills, you can help make your studying easier and more effective.

  • Ask and make sure your computer’s operating system and browser are compatible with the online curriculum.
  • Make sure you are comfortable with doing general computer work:  being able to type a document or email, knowing how to search the web, clear cookies, enable or disable pop up blockers and attach documents, etc.
  • Know how to routinely backup your files in the event of a computer malfunction or virus.
  • Make sure to organize files in a basic manner so that you can easily find what you need to work on.

PROGRAMS AND EQUIPMENT

Be prepared to purchase some equipment and or programs you should have available or installed so that you can focus on learning the curriculum in your program.

You should have a printer and ink cartridges available for printing any necessary materials for review.  Don’t forget to have extra paper on hand!

  •  Have a PDF reader installed on your computer.  PDF files are a common way to view course material offline or outside a course.
  • Sometimes, documents are in other formats besides a PDF file.  In this case the student should have Microsoft Word, Open Office or Google Docs installed and ready to use when needed.
  • Review FAQs for the course so you can see questions other students have had, and sometimes you may find tips on any additional equipment you should need.
  • Check with your instructor to make sure you are getting all equipment for the program (such as headsets, foot pedals, textbooks, etc.) or if your school is shipping your equipment; ask for a tracking number and estimated time of arrival.

  INTERNET ETIQUETTE

Communicating in any medium should involve good conduct and respect for everyone involved.  Here are a few helpful tips you can implement to make sure you convey this online:

  • Do not write emails in all caps—this is considered yelling at someone. Instead, underline or bold words that you wish to highlight.
  • Contact your instructors during their working hours.  If you have an urgent issue, give your instructor a call or request to schedule a conference in advance to guarantee that both of you have time to speak.
  • Remember that anything you write in an email can easily be forwarded to anyone.  So choose your words wisely and do not say things in emails that you might be embarrassed about should they be circulated.
  • Student forums are also a way of communicating with other students (and instructors) on the Internet. Be polite and professional.  It is fine to make personal connections, but be careful not to raise inappropriate topics.

By becoming comfortable with the technology used in your online program you can ensure that you can overcome any obstacle that prevents you from focusing on your studies.  Be confident about your technical knowledge, and good studying to you!

Follow us on FacebookTwitterPinterestGoogle + or visit our website for more info and news about professional development, Online Training and how to improve your professional profile.

Article by Kelly Fuhlman, Director of Social Media  for World Education , and is personally involved in helping others make a better life for themselves through education. World Education is one of the main partner of the University of Alabama for Online Certificate Programs

Kelly Fulham

How can Setting up Goals Help Online Learning ?

Online Certificate Programs

The annual review: we have all done it with our managers every new fiscal year.   We fill out our “Individual Development Plan” (IDP) or goal sheets to get an idea of the big picture for ourselves at work. This is an opportunity for the managers and employees together to go over a basic SWOT analysis of our past performance and what objectives we have for the future. For the ambitious, this would be a time to talk with your manager to see what you can do this year to gain some experience, or even possible promotions.

Now this review is common in the business world, but why do we not put an individual development plan (IDP) or goal sheet together for our own personal life.

Before we get into tips on how to put together your very own goal sheet for Life, we need to fully understand why we should have one. We always hear if you have goals, write them down, and it’s not just a suggestion but fact.  Dr. Gail Matthews, a psychology professor at Dominican University of California, conducted a study on goal-setting with 267 participants. She found that you are 42% more likely to achieve your goals just by writing them down. Writing down your goals helps give you clarity in what you are trying to accomplish. It will also show you the WHY you are doing what you are doing even on the days you don’t even want to get out of bed. It will be your map when you get lost. It will get you motivated and keep you moving forward.

Ready to get started?  Great!  This then is how you can set goals into place for an IDP:

  1. Start NOW: Write down what you want, when you want it and how you plan to get there. It will take time to achieve many of your goals.  Include WHY you want each goal because it will keep you grounded and remind you why you wanted to achieve it in the first place
  2.  Take baby steps: Break your different goals and aspirations down into simple tasks with realistic time lines.  Again be patient but consistent in doing something each day.
  3. Learn from the best: We all make mistakes along the way and sometimes we place ourselves in a corner all alone dwelling on the fact that we failed. Read as much as you can about as many successful people as you can. They have all failed at some point in their lives and sometimes way more than we could ever imagine. Get a mentor, who is someone you can call when times are hard and also someone to celebrate your small victories even when you don’t see them yourself.
  4. Be accountable to your success:  You have to be responsible for your own movement forward in your plan. No one else will accomplish it for you and no one will be willing to help without seeing you working hard for it first.
  5. Be humble and grateful in your plan: Make sure you work your plan ethically. As you grow and become successful have plans on how to give back, help those who have helped you along the way. Say THANK YOU! If you step on people on your way up, you will face them again on your way down.”
  6. Recognize your worth: This is very difficult because we are our own worst critics. What do you have to give? What are your greatest talents? How can you leverage those talents? Doing a self-inventory is a big part of how to put your plan and goals into action.
  7. Be true to yourself and what you are passionate about. Make sure the goals and plans you put together are true to who you are and what you are passionate about. If you love what you do for a career, you will never work another day in your life.
  8. Last but not least NEVER GIVE UP! If goals were easy then everyone would be a millionaire or a rock star! You will have periods of ups and downs. Life will hand you lemons and you will need to add sugar, heck maybe a lot of sugar, to keep moving forward.  It will balance out if you put in the effort.

The goals you set for yourself are what separate the sailboats from the boat without a paddle. The sail-boat will hit harsh winds, no wind or the perfect wind and will be prepared for whatever comes. The boat without a paddle will just drift through life wondering what the wind will bring next. This method of goal setting will help future students or student-workers to stay afloat even under the pressure of the job and school. This technique would be even more helpful to accomplish goals that are not actually defined or that are left to an individual’s judgment, in online programs.  While working full time and studying at home, students occasionally may lose sight of the final objective, which is to graduate and get the degree or the certificate that he or she needs for a career boost.  Bama At Work recommends all its students apply this goal-setting technique, underpinned with strong organizational skills, to succeed in their Online programs. We offer more than 46 online certificates and 190 online courses, to allow students all over the world to attend certificate courses and boost their career without leaving their homes.

Follow us on FacebookTwitterPinterestGoogle + or visit our website for more info and news about professional development, Online Training and how to improve your professional profile.

Article by Kelly Fuhlman, Director of Social Media  for World Education , and is personally involved in helping others make a better life for themselves through education. World Education is one of the main partner of the University of Alabama for Online Certificate Programs.

Kelly Fulham