Universal Careers offers paramedic refresher course

Universal careers

Paramedics are expected to maintain an up-to-date level of education in their careers. Universal Careers is offering an opportunity to refresh their skills.

Universal Careers, a leader in EMT/paramedic instruction, has announced a program in January to help paramedics update their knowledge.

With the constant changes in medicine and technology, the Emergency Medical Services field demands a high level of continuing education.

Schedule issues and the emergency nature of the job present a problem with taking classes. Universal Careers understands that, so the school has developed a program that meets the needs of the national community and the needs of busy paramedics.

The Universal Careers paramedic refresher program provides paramedics with all of the information they would receive in other traditional courses. It does so in a one week timeframe to help paramedics continue to work as normal.

“This course will enable paramedics to meet all NREMT-P core content requirements in one week,” said Rick Hamilton, senior executive of development. “We are offering this course so that those paramedics needing a refresher course can complete it on a limited schedule.”

Universal Careers has become a leader in the training of EMT/paramedics in an intensive fast-paced program. The school is proud to bring this expertise and tradition to helping advance the careers of health care professionals. The programs are taught by licensed paramedic professionals who know how to instruct others in the field.

Professionals interested in advancing their careers through the program at Universal Careers should call (213) 290-4682 or visit the web site at www.universalcareers.org for more information.

Universal Careers is a national leader in EMT and paramedic training and preparation. With customer service offices in Los Angeles, Calif., and a training partner in Fredericksburg, Va., UC is a state-of-the-art provider of training for individuals interested in joining the health care field. Upon successful completion of the Universal Careers EMT Basic course, students will receive additional help in obtaining their EMT Certification which makes them eligible to work with paramedics in every state in the U.S.


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Will debt consolidation always work in your best interest?

Description: Get to understand whether debt consolidation would work in your best interest at all times.

Debt consolidation is essentially a basic solution to solve debt problems that plague millions of borrowers. Nevertheless, it might or might not suit your debt situation. Before consolidating your debts, you must try to work out whether consolidation is the best option for you. Given below are five steps that you should follow to find out whether going for debt consolidation is beneficial for you:

Step 1: Figure out the overall amount of your debt

At first, request a copy of your credit report either offline or online from any of the principal credit reporting agencies. Once you get the report, go through it and calculate the overall amount of your debt. Your credit report would contain some crucial information regarding your own credit status. If your credit score is not severely damaged because of your debt situation, then you can gain from consolidating all your bills into a consolidation loan with an affordable rate. Otherwise, you might get limited options to better your finances.

Step 2: See whether you’re eligible for a consolidation loan

Try to contact some consolidation agencies and ask them to give you their offer details. More often than not, debt consolidation necessitates loans that have to be secured by a mortgage (your home). These secured consolidation loans are offered with more affordable rates than the unsecured loans. You must assess the needs for getting a consolidation loan for which you’re eligible. You might have to fulfill a minimum FICO score together with a minimum monthly income to qualify for this loan.

Step 3: See how much you can save with a consolidation loan          

A first-rate consolidation loan program might help you improve your condition. Ask the lenders to offer you a quote that incorporates all the fees needed. Once you find out that you essentially have to pay more than your existing debts, then it’s not the right option for you. If a loan program doesn’t help you save money, then it wouldn’t work in your best interest.

Step 4: Determine whether you can manage to pay off the loan

Almost all consolidation loans are mortgages or home equity loans. They would probably be backed by your home. In the event of a payment default, the creditor would take away your home. Hence, if you feel that you can’t pay off the loan, then it’s not the right choice for you.

Step 5: Assess all the advantages along with the difficulties

There are many advantages that you can receive from debt consolidation loans like reduced interest rates and monthly payment and easier handling of debt with just one monthly payment. Nevertheless, consolidation might take a lot of time to pay off your bills. As a result, your interest cost would also be high. The benefits would balance the situation if it’s the right choice for you.

Important things to remember while comparing home equity loan rates

Description: Get to know some important things when you are comparing home equity loan rates to choose a loan that is right for your needs.

If you own a home and you’re in the midst of a financial crunch, your home equity might be the most effective means to borrow some money. A home equity loan is a useful financing option for homeowners who are in urgent need of funds. By utilizing the equity that has accumulated in your home, you can borrow a loan for different purposes such as buying a car, performing home improvements, college education, refinancing high-rate debts, debt consolidation and so on. Home equity loans are secured loans and usually come with lower interest rates than any other types of loans. If you want to get a home equity loan that is really affordable and fulfills your needs, then you need to shop around and compare home equity loan rates.

Comparing home equity loan rates

When you compare rates of these loans, it would allow you to get cash promptly and at reasonable interest rates. You can do this since a home equity loan is a secure loan where you’re using your home as security or collateral. There are various types of home equity loans available and you must compare these loan programs. Furthermore, you should also compare the interest rates offered on these loans so that you can select the rate that suits you the most. You can also use a calculator to work out your monthly payments on such a loan.

Some important things that you should know while making loan comparisons

While you’re making comparisons of different home equity loans, you should know that:

The most advantageous feature of these loans is that the interest rate charged is tax deductible
The rates of these loans are normally quite less than other types of consumer credit
You have the opportunity to borrow up to 125% of your home value
You can use a home equity loan or rate calculator to make sure that you get the lowest possible rate for your home.
Your rate and loan comparison should be thorough or all inclusive.

In this way, you are confident that you have been able to take advantage of your home equity and used the most effective technique of borrowing.

What is the procedure for comparison?

Fill out the easy online form for getting rate quotes
Search comprehensively for various lenders and loan programs available with interest rates on websites like Mortgageloan.com
You can rest assured that at least four lenders would contact you to let you know about rate quotes, give valuable advices and vie for your business.
You can then easily choose a lender from one of them and guarantee significant savings for yourself.

An overview of different types of student loans

Description: Get an idea about the different types of student loans and the features and benefits of these loans.

A student loan is also referred to as an education loan. It is a type of financial assistance that should be paid back with interest. In contrast, scholarships don’t need to be paid back. Very few students can manage to pay for higher education without some type of loan or financing.  

Types of student loans

Student loans are offered in three principal categories and they are as follows:

Federal student loans: Stafford loans and Perkins loans
Parent loans: PLUS loans
Private student loans: School-channel loans and direct-to-consumer private loans

Federal student loans are available from either the Direct Loan (Ford Direct Student Loans) or the Federal Family Education Loan Program (FFEL). Federal loans are guaranteed by the government, but private lenders can also offer these loans. Federal education loans are more beneficial since these loans ask for a fixed and affordable interest rate. In order to request for a Federal loan, you’d have to fill out the FAFSA (Free Application for Federal Student Aid) form.

Federal regulation fixes the maximum interest rates and costs that lenders might ask for the federally-backed loan programs. Nothing stops a lender from charging smaller fees. Many student loan companies offer a range of student loan discounts to draw borrowers. Education loans offered by private and federal lenders are available with flexible repayment terms.        

Private student loans are also known as alternative student loans. These loans are not insured by any government agency and are offered to students through banks or other types of financial institutions. You should think about a private student loan if federal loans, scholarships and grants aren’t sufficient for you. You might need to bring a cosigner to obtain such a loan.

PLUS loans are offered to parents of dependent students. The parent has to qualify a credit check.

Besides the three types of loans mentioned above, a fourth type is also available, which is called consolidation loan. This loan lets the borrowers combine all their loans into one for easy repayment. Peer to peer education loans are also available from some sources and it is considered as a nontraditional type of lending.


Rates and fees on education loans

Federal education loans are offered with fixed interest rates. On the other hand, private education loans carry adjustable interest rates. Consumers should know that private education loans ask for significant origination fees upfront. These fees escalate the actual cost to the borrower and lower the amount of money available for academic purposes.    

Borrowing money for higher education is an important responsibility but college is always a smart investment for getting a promising career that helps you earn the best salary in the industry.