Universal Careers launches online paramedic course

Universal Careers Reviews

Emergency Medical Technicians are under constant pressure because of their job. The chance to advance in their field, however, can now be done in the comfort of  their living room.

Universal Careers, a leader in EMT/paramedic instruction, has announced the addition of an online paramedic course.

Most EMTs work to certify themselves as paramedics to advance in the health care field. This advancement leads to better pay and more job opportunities. However, the training can be inconvenient.

Schedule issues and the emergency nature of the job present a problem with taking classes. Universal Careers understands that classes need to be on the EMTs time, rather than the convenience of an instructor. This is why UC has developed a program that combines all of the rigors and coursework with an online format that lends itself to the student's timeframe.

The Universal Careers online paramedic program provides students with all of the information they would receive in a more traditional course. It does so in the online format that Universal Careers EMT students already use in their prep work for the EMT program.

“Our EMT students benefit from our experience in providing online classes,” said Rick Hamilton, senior executive of development. “Now EMTs who want to continue in their careers will be able to take advantage of our expertise in online development as well.”

Another important factor in the Universal Careers online course is that it can be done from home. There is no need to travel to another facility, such as a community college, to log in and do the online classes.

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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Debt consolidation scams: How can you identify them?

Description: Know the red flags that would help you identify a scam debt consolidation company and why you should avoid them.

Many people who are overwhelmed with their debt burden are resorting to debt consolidation companies to alleviate their debt problems. Unfortunately, there are some scam debt consolidation companies that are preying on unsuspecting customers and making undue profits from them. These debt consolidation companies either don’t provide any services to the consumers or provide services that are not sufficient to solve their debt problems. While selecting a debt consolidation company, you must remain extremely cautious. Obviously, you wouldn’t want to be ripped off by a scam consolidation company that makes false promises to get you out of debt and actually push you further into debt.

You must steer clear of scam consolidation companies. How can you identify them? The warning signals given below can help:

Quoting abnormally low monthly payments

A genuine consolidation company would require a particular amount of payment to be eligible for their program. They can’t fix a payment that your creditor wouldn’t accept. By quoting a payment amount that is convenient for you to pay, they’re essentially trying to make some gain from you. They wouldn’t direct this payment to your creditors. When you’ve signed up for their program and are working with them for a number of months, they would hike the monthly payment without prior notice. By then, you might have paid a big amount to them which was never sent to your creditors and they would still aim to make more gains from you.

Asking for excessive upfront fees

This is the most familiar type of consolidation scam where unscrupulous companies ask for unreasonable fees at the start and assure that a part would be returned to you once the program is over. Very few people can complete their programs. A genuine company would ask for a flat monthly fee for their program.

Asking for your personal details

A legitimate consolidation company would only request your balances, the names of your creditors and interest rate for giving you a quote. If a company is requesting your bank account numbers, social security number or any other personal details, you must be vigilant. This is surely a sign of a scam company. When you provide your personal details to them, you become subject to identity theft.            

Remember that you have to research to find the best debt consolidation company. Don’t forget to check the background of a company with your state Attorney General’s Office or the Federal Trade Commission. Check with the BBB to find out if there are any unsettled complaints against a company you’re thinking about. If yes, avoid that company.

Debt settlement and the importance of establishing a sensible budget

Description: Know why a sensible budget should be set up once you enroll for a debt settlement program.

If you have run up a lot of debt and signed up for a debt settlement program, then you have taken the first step to attain financial independence, which you’ve been seeking for a long time. Debtors frequently ignore the truth that they might need professional assistance to pay off their loan obligations. For those individuals who go ahead and permit a company to act on their behalf to assist them with their financial condition, it alleviates their debt burden. They can handle their creditors more competently and don’t need to bother about making timely payments.

Nevertheless, signing up for a debt settlement program is not the only essential step to lower the probabilities of getting into debt in the future. One of the most significant things that should be taken into consideration by a debtor is the setting up of a sensible budget. This would guarantee financial steadiness in the future. Take into account the reasons given below why this step is so crucial:

Formulating a budget ensures that you remain on the right track to accomplish your financial objectives. Consumers who sign up for a debt settlement program have the goal of eliminating their debts and taking control of their finances once again. Establishing and sticking with a budget would make this procedure simpler. It would cut down the possibilities of impulse buying that might have put you into a dilemma in the beginning. If you stick with a budget, the needless costs that accumulated earlier would be compelled to give in to the day to day essentials of life.  
Creating a budget would raise your savings. As stated earlier, if you’re abiding by a fixed budget, the minor and needless purchases wouldn’t pile up throughout a time period like they did earlier. This money would rather build up as savings and eventually make your financial condition stronger.
It would enable you to get back financial confidence. When a budget is in place, you understand your capacity to spend on a particular day and what you require to spend it on. Consequently, you have the ability to make choices when it’s a question of buying something. Basically, you have control over your finances once again. When people don’t have a budget in place, they develop a tendency to disregard their financial condition, make needless purchases and lose sight of how much they have in their bank account.
Setting up a budget would enable you to keep tabs on your checkbook and consequently, the advancement you would have made economically. In the end, as you cut down on your needless expenses and raise your savings, you can essentially see your financial condition better from a numbers point of view. Subsequently, this would give you the encouragement to remain on the right path and keep on making the correct decisions with your finances. Ultimately, dealing with the original problems would help you become debt free and reduce the financial stress that you previously felt from owing your creditors.

Different types of insurance policies that are essential for you

Description: Get an overview of various types of insurance policies that you need to protect yourself, your family and your assets.

You can get an insurance policy that can cover nearly anything that you can think of. However, only a few policies are essentially ones that you should have. You work really hard all through your life to accumulate wealth and lead a cheerful and prosperous life. Some types of insurance can protect your income, properties and even provide for a dear one when you pass away.

Health insurance

Health insurance is one of the most significant types of insurance. If you’re in good health then it permits you to work, make money and enjoy life. When you fall sick or face an accident without health insurance, you might not get the necessary treatment and healthcare in the hospital.

You can buy health insurance on your own and fortunately, many employers offer health coverage and benefits to the employees (both part time and full time). If you don’t have health coverage, you should check whether your employer provides it. Employer-provided health insurance plans have more reasonable rates than other policies. If you are a married individual, both you and your spouse can get coverage under only one employer-provided health insurance program.

If your employer doesn’t provide health benefits or you are a self-employed person, you still need health coverage. Though it might not be as inexpensive as employer-provided plans, health insurance can still reduce your healthcare costs to a significant extent.

Life insurance

If you’re married and/or have kids, then life insurance is the most important type of insurance that you need to have. Your life is precious since it enables you to work and win the bread for your family. When you expire, an income gap is generated that can push your spouse or children towards financial hardship. Life insurance offers a buffer for your family since it works as income replacement.

If you don’t presently have life insurance, then find out whether your employer provides it. Many employers provide a basic life policy and some employers even permit you to buy additional coverage at reasonable rates. Besides employer-provided life insurance plans, there are other life policies that can offer the right coverage for you.

Auto insurance      

One more essential type of insurance is auto insurance. Most states necessitate that you carry basic auto coverage. Similar to a home, an automobile is also a costly asset and you need to protect it. If you don’t insure your car, you can suffer huge financial losses in the event of an accident. Auto insurance policies provide bodily injury coverage and property damage coverage and may also compensate for legal defense expenses.  

Property insurance

If you own a home, one type of policy that you must have is a homeowners insurance policy. When you take out a loan to buy a home, the lender would necessitate that the home gets insured. Your home is your biggest asset so it’s necessary that you protect it properly. On many occasions, the homeowners insurance premium is rolled into the monthly mortgage payment.