Filed for Bankruptcy? Don’t Spend That Tax Refund Yet

The federal income tax refund is considered to be your property under bankruptcy law – even if you haven’t received it yet – which, unfortunately, also means that the bankruptcy trustee will consider this money as an asset in both Chapter 7 and Chapter 13 cases, subject to his or her control and disposition. (See 11 U.C.S. Section 541(a)(1) and 11 U.S.C. Section 1306(a)(1).)

Tax Refunds After Filing Chapter 7

If you’re facing overwhelming debt, you may choose to file for Chapter 7 bankruptcy, in which case the trustees of the Northern District of Illinois (which includes Cook County and the surrounding collar counties like Will County) can go after the tax refund you expect to receive.

In fact, the trustee can go back as early as October of the year prior to the time you filed your tax return.

For example, if you file for bankruptcy in November 2012, and subsequently file a 2012 federal tax return in February 2013, the trustee can take the 2012 tax refund (which you received in 2013) and possibly use it as an asset for distribution in your past 2012 bankruptcy case. (See In Re Meyers, 616 F.3d 626 (7th Cir. 2010).)

Tax Refunds After Filing Chapter 13

There are three Chapter 13 trustees in the Northern District of Illinois. Any one of these three trustees can require you to surrender your tax refund, although each trustee will consider specific facts before requiring you to pay your entire tax refund (or part of it) into the Chapter 13 plan.

Other Situations

You received (and spent) a tax refund prior to filing for bankruptcy. If you got a tax refund in the recent past and you spent that refund, and you’re now filing for bankruptcy, under bankruptcy law the money is no longer considered to be your property. However, the trustee will examine exactly how you spent that refund to ensure it wasn’t spent inappropriately (i.e. on a flat-screen TV, rather than for rent and food).

You want to keep your half of the refund when your spouse (but not you) is filing for bankruptcy. In general, your spouse can file for bankruptcy without having to list your property on the paperwork, meaning that you can keep your part of the tax refund. However, if you don’t work (but your spouse does), the entire tax refund will be considered as your spouse’s property. Thus, the entire refund must be properly listed and protected on the bankruptcy paperwork or it could be taken by the trustee and used to pay the very creditors your spouse wants bankruptcy protection against.

How to Bounce Back after Bankruptcy

Having financial problems can be like a dark cloud over your head. For many people, filing for bankruptcy gives them much needed relief from mounting debt that they cannot pay, as well as peace of mind.

But this piece of mind comes at a price, and before making the decision to file for bankruptcy, you should be aware of the ramifications that it will have on your finances and credit. For example, a bankruptcy will show up on your credit report for several years and can negatively affect your ability to get credit — as well as certain jobs. In addition, when you do get credit after bankruptcy, you will be subject to higher interest rates because you will be deemed a higher credit risk.

Life after bankruptcy

If you are considering filing for bankruptcy, keep in mind that you are far from alone. According to the American Bankruptcy Institute, in the second quarter of 2010, over 400,000 people went through a bankruptcy. And although it is difficult, there is life after bankruptcy and you can bounce back.

Evaluate your circumstances. After going through a bankruptcy, it is a good opportunity to evaluate what went wrong and why your financial problems occurred. This way you can face your credit future with both eyes open.

Know where you stand. Be sure to check your credit report to make sure that everything on it is accurate. The National Association of State Public Interest Research Groups reports that as many as 79 percent of credit reports have some kind of error listed on them. The last thing you want to do is leave a mistake lingering on your credit report that can prevent you from moving on from your bankruptcy.

Rebuild your credit. It can be difficult to get credit after a bankruptcy, but not impossible. You may be able to get a credit card with a small credit line that will help you rebuild your credit history. If you are unable to get an unsecured credit card, getting a secured credit card, where you put down money upfront that is used as your available credit, can go a long way toward showing that you can handle credit.

Pay your bills on time. Future creditors will want to know that you are able to pay your bills, so it is important to make sure that your rent and utilities are always paid in full and on time.

Make Purchases Within Your Community Using Local Prepaid Debit Cards

In order to support the buy local initiative, you can now buy local prepaid MasterCard, which is the first of its kind. The card functions as an interactive community base system to support the buy local initiative. Generally, most of the people spend a major share of their income to purchase goods and various other services outside of the local community. The amount spent to buy goods and services outside of the local community runs into billions of dollars annually. As a result of this phenomenon, a lot of depreciation is seen in the local business. This depreciation in turn leads to many people who are residents, losing their jobs. There is an increase in unemployment. The higher prices consumers will have to pay to make up for the lost sales. The local communities are deprived of the sales tax revenues which could be used to improve the value of that particular community.

This is where the local prepaid debit cards come into the picture. A customer can realize a lot of benefits by using these debit cards. The customer would get very good discounts on the goods and services. The customer would also receive many offers and incentives which are exclusive to the local prepaid debit card users. In order to buy local prepaid MasterCard, all that you need to do is to just sign up or download the free phone app and register yourself for a prepaid debit card. Once you get registered, the card would be sent to you within a few days. The card holder can also create a profile where he can manage the account at convenience from his PC or smart phone.

The reloadable prepaid cards have some of the lowest fees on the market. These cards can be used anywhere a MasterCard is accepted. The customer also gets regular alerts as and when there are any special deals or discounts being offered. This feature is exclusively available only to the local debit card holder. Money can be loaded onto the card in various ways. Money can either be directly deposited onto the debit card or the customer can get the money uploaded via MoneyPack. The customer can also visit any Western Union location for loading money onto the card. The local debit cards helps in connecting consumers to the community merchants who offer ‘Buy Local’ savings. The consumers are also entertained through the local radio, which features shows of some of the leading DJs in the country. The customers can choose from a wide variety of music formats and enjoy their favorite music.

How to Keep Money in Your Wallet This Year

Let’s start off 2009 on a positive note, shall we? Americans everywhere were more than relieved to say farewell to 2008 and all of the baggage it carried with it. Today, there is a renewed feeling of hope and if channeled, you can use that optimism to take your economic situation out of the red and into the green.Let’s ignore words like recession, bailout and Great Depression Part 2. Honestly, focusing on our country’s economic downturn is not going to do us any good. Instead, focus your attention on your own personal situation. Are you struggling? Living paycheck to paycheck? Counting down the days to your tax return?You’re not alone. But try to keep in mind that with discipline and a stringent financial plan, you can cushion your bank account and give yourself some much-needed relief.1. Be lean for more green.It’s common sense that spending less means you save more money. However, what many consumers don’t realize is that there are ways to spend money utilizing savings and coupons they never knew existed. For example, if you’re a fan of shopping online and making the most of those clearance sales, search for additional coupon codes. Simply Google coupon codes for the store and you’re likely to find codes for an additional percentage off or free shipping.2. Karmic spending.No, this is not some kind of yoga-induced way of spending your money; rather, it’s all about putting money out to pull money back in. Several credit cards as well as member savings cards give shoppers rewards for spending money. Rewards include coupons and points systems that can lead to anything from free movie tickets to a vacation. Also, if you have children, soup and cereal companies offer rebates. You register their school, buy their products, collect the proof of purchase tabs and turn them in. The schools then receive items like school supplies.3. Budget your little heart out. The economy is hurting and the government would like nothing more than for consumers to buy like there is no tomorrow. Simply stated, we spend when we can but for right now, budgeting is our favorite buzzword. If you’re unsure of how to budget, the best way to go about it is to write out every single one of your expenses over the course of 2 months. Write down everything including that munchies run to the drug store and that impromptu shopping spree. The point of this is to help you understand exactly how much you’re spending and whether that amount is necessary. Odds are there are several expenses that can be avoided and at the very least, toned down. Remember, the key is to start off the year by giving yourself some cushion in your bank account.It sounds trite but we will get through this and the economy will turn around. These suggestions are designed to provide some relief to your bank account though we all know emergencies happen and sometimes spending can’t be avoided. If such a financial emergency arises, know your options and try to have an exit strategy, including a savings account, a low-APR credit card or a payday loan consultant. With these kinds of options, you can take care of the situation without being buried under it.
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Education Requirements for Firefighters

If you are interested in becoming a firefighter, one factor you really should not overlook is firefighter education. Firefighting has developed into a very competitive area of expertise, and most municipalities have started requiring firefighter applicants to have a college degree, or some college credits, as well as certification prior to being seriously considered for a position. Then again, even if it’s not necessarily a firm necessity in your city, having the right education and certification is likely to dramatically increase your chance to find a job as a firefighter.There are a few different ways to acquire the training and education you should have to become a firefighter, and this guide will help you to understand your various options. Particularly, you might be interested in college degrees for firefighters, attending fire academy, taking web based classes for firefighting, or firefighter apprenticeships. All of these are viable methods of achieving the education requirements for firefighters, so we will evaluate these options in more detail.Fire Academy Training – Your Local Fire DepartmentDepending on where you want to find a job as a firefighter, the fire department could have a local fire academy set up to train new recruits. This form of education is what a lot of people refer to as “fire school” or “fire academy.” Typically, entry-level workers in large fire departments will be trained for a number of weeks at the department’s fire school training center or fire academy. Firefighter training typically is comprised of classroom instruction and practical training.Firefighter recruits study subjects such as fire prevention, fire fighting techniques, hazardous materials control, local building codes, and emergency medical procedures. Many jurisdictions require firefighters to hold certification as an emergency medicine technician (EMT) or paramedic. During fire school training, recruits also learn how to use tools of the trade like axes, chain saws, fire extinguishers, ladders, as well as other fire fighting and rescue apparatus. After successfully completing training, the recruits are assigned to a fire company, where they undertake a period of probation which will consist of more hands-on training.If the fire department close to you does give you training and education through this sort of fire school, there could possibly be prerequisites you need to meet before being accepted into the program. You could ask at a local fire department to get the essentials of their specific application process and requirements.In addition to the firefighter training provided in the local jurisdiction, many firefighter recruits and career firefighters also opt to sign up for firefighter training courses available through the U.S. Fire Administration and U.S National Fire Academy.U.S. National Fire Academy – National Emergency Training CenterThe National Emergency Training Center is a 107-acre campus situated in Emmitsburg, Maryland. The campus houses the U.S. Fire Administration (USFA), the National Fire Academy (NFA), and the Emergency Management Institute (EMI). The National Fire Academy and Emergency Management Institute are part of the Department of Homeland Security’s Federal Emergency Management Agency (FEMA).The National Fire Academy offers firefighter courses at its resident campus in Emmitsburg, and also off-campus, around the Country in collaboration with State and local fire departments and training providers. There are no tuition costs for National Fire Academy courses. All instruction and course materials are provided free of charge. Most of the travel costs and accommodations for students who represent career or volunteer fire departments, rescue squads, or State/local governments attending on-campus courses are now provided as part of funding within the student stipend reimbursement program.Everyone having significant involvement in fire prevention and control, emergency medical services, fire-related emergency management activities, or allied occupations is eligible to apply for National Fire Academy courses. Students have to satisfy the particular selection criteria and prerequisite criteria for every course. These prerequisite courses may be available online through the Emergency Management Institute and the National Fire Academy.The National Fire Academy itself is not an accredited university. However, successfully completed NFA courses may be counted as credits toward a college degree program. However, not all colleges or universities approve these credits.College for FirefightersMany vocational schools, community colleges, and universities provide certificates and degrees for the student who wants to become a firefighter. The most common college certificate or degree is a Fire Science degree. Students enrolled in a Fire Science program usually study fire investigation methods and also techniques for controlling a fire with equipment, like axes, fire extinguishers, ladders and chainsaws. These programs also typically include education in fire prevention and teaching fire safety to the general public. Fire science students are also taught basic first aid, CPR and proper handling of hazardous materials.As part of these college programs for firefighters, students might also earn their certification as an EMT/Paramedic. This is one important reason why college for firefighters is becoming increasingly more in-demand; because in addition to basic requirements for becoming a firefighter, many jurisdictions now mandate EMT training and certification as the minimum education requirement for becoming a firefighter.Key courses in a Fire Science Associates Degree will normally include:

Fire Prevention
Principles of Fire and Emergency Services
Safety and Survival
Building Construction for Fire Protection
Fire Behavior and Combustion
Fire Protection Systems
Principles of Emergency Services
Other appropriate firefighter courses offered by many colleges include:

Fire Investigation I
Fire Investigation II
Fire Protection
Hydraulics and Water Supply
Introduction to Fire and Emergency Services Administration
Legal Aspects of the Emergency Services
Occupational Health and Safety
Strategy and Tactics
Hazardous Materials Chemistry
Along with these core Associate’s Degree courses, a Fire Science Bachelors Degree program will commonly also include additional courses such as:

Political and Legal Foundations of Fire Protection
Applications of Fire Research
Fire Prevention Organization and Management
Personnel Management for the Fire and Emergency Services
Fire and Emergency Services Administration
Community Risk Reduction for the Fire and Emergency Services
Of course, the actual curriculum varies depending on what college you attend for your firefighter education. Look at the firefighter class descriptions of colleges you’re thinking about to make sure you get the education you need.Firefighter Training Apprenticeship ProgramsAccredited apprenticeships are offered by a lot of fire departments for those interested in becoming a firefighter. These firefighter training programs frequently require students to enroll in a Fire Science degree program at an affiliated school. The student will obtain theoretical knowledge via classroom firefighter courses, while getting realistic, hands-on field training via the fire department. These programs ordinarily take 2- 4 years to complete.Students in apprenticeship programs have a chance to gain paid experience in a fire department, operating equipment and responding to calls. Fire departments which offer apprenticeship programs generally tend to hire firefighter recruits who have undertaken an apprenticeship. So, if your jurisdiction provides this type of program, it could be the best way for you to get your firefighter education and strengthen your likelihood of being hired in this competitive field.
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Starting Online Business in Economic Crises – Can You Make Money?

Should you start an online business with the Economic Crises still lingering over society? Seeking an additional income, or replacement income is becoming a top priority for many during this economic downfall, which has crippled our society over the last couple of years. Many are looking to an Internet business opportunity to secure their financial situation. But while businesses online suggests financial freedom, is this truly the best time to start a business?Starting a business whether in hard economic times or in stable financial conditions is bound to create some amount of anxiety mixed with excitement. Yet with the newspaper and media reporting on an economy crisis it creates even a larger fear factor for most. However, the fear of starting an Internet business during an economic crises is often misplaced, and unnecessary.More and more people are coming online to meet their shopping needs. Bypassing malls, and local shops to connecting to the Internet to purchase their necessities. As the Internet continues to open up buying and spending benefits for consumers, it also opens up an avenue for online entrepreneurs.While the economy is allowing businesses to strive and profit, you still have to consider if an online business is right for you. While websites, and slogans offer a message of no work, and carefree days while making money, the reality of what is necessary to truly make your business profit online, is often as unpredictable as the economy. Many are misled by hype and over exaggerated slogans. In order for you to truly make money online you have to be aware of what will actually have you profiting.You cannot go into your business not knowing what will make you money. You are not starting online as a hobby. Most will want to make a financial gain, and profitable career with an online business. In order to that you have to know what it will take in order to be successful.An Online Business RealityWith the economy crises starting to level off, and not being such a large issue as it was even six months ago more people are starting to spend again. You will want to position yourself at the top of the market place. In order to accomplish that you will have to work, and learn marketing strategies to succeed online.No business whether online or offline requires no work to build. You will have to learn how to market, and learn sales strategies in order to be successful. It is also suggested for you to find an online business with a system. Having a system that is established and working for others, will assist you in building your business. If a system is already working with current economic condition than it is more in your favor that it will work for you.While the economic crises is a main question for starting an online business, it becomes more important to be realistic about what your expectations are. As more and more people are seeking financial gains from the Internet, it becomes more important to weed out the fact from the fiction. Making sure that you have a system, and training can assist you in profiting with your business regardless of the economic crisis.

Breaking World News

Thanks to technology, there are now countless ways we can access breaking world news instantly, as they happen. This is done trough satellite televisions stations like both national and of course, international. These international stations are uniquely different from the local TV stations people are used to. They are bigger and have the sole aim of bridging the gap in the world. They are trying to bring the world closer to each other via satellite. They see everything that happens in the different countries of the world through satellite, and they have informants in many countries that help to bring in smaller but striking world news.There are other mediums through which breaking world news can be accessed, and that is through the internet, by emails, and through printed media (newspapers and journals).Let’s take a look at the tremendous power that the internet has today. The World Wide Web is the second yet the most effective medium for assessing breaking world news. A lot of websites, social sites and forums like face book, MySpace, hub pages, blogs and international news houses like the CNN websites, and many more are the second easiest ways to get world news as fast as it happens.The internet is a global market with all sorts of people doing business on it and with a whole lot of news report website, both from the popular and unpopular media houses. This news websites, features other packages, like sporting news, entertainment gist, weather reports, politics, travel, health, finance, business, and other interesting activities that should attract the different kinds of people that access the net. Breaking world news are promoted more with photographs, video and catchy headlines.

9 Things to Consider Before Forming a Business Partnership

Getting into a business partnership has its benefits. It allows all contributors to share the stakes in the business. Depending on the risk appetites of partners, a business can have a general or limited liability partnership. Limited partners are only there to provide funding to the business. They have no say in business operations, neither do they share the responsibility of any debt or other business obligations. General Partners operate the business and share its liabilities as well. Since limited liability partnerships require a lot of paperwork, people usually tend to form general partnerships in businesses.Things to Consider Before Setting Up A Business PartnershipBusiness partnerships are a great way to share your profit and loss with someone you can trust. However, a poorly executed partnerships can turn out to be a disaster for the business. Here are some useful ways to protect your interests while forming a new business partnership:1. Being Sure Of Why You Need a PartnerBefore entering into a business partnership with someone, you need to ask yourself why you need a partner. If you are looking for just an investor, then a limited liability partnership should suffice. However, if you are trying to create a tax shield for your business, the general partnership would be a better choice.Business partners should complement each other in terms of experience and skills. If you are a technology enthusiast, teaming up with a professional with extensive marketing experience can be quite beneficial.2. Understanding Your Partner’s Current Financial SituationBefore asking someone to commit to your business, you need to understand their financial situation. When starting up a business, there may be some amount of initial capital required. If business partners have enough financial resources, they will not require funding from other resources. This will lower a firm’s debt and increase the owner’s equity.3. Background CheckEven if you trust someone to be your business partner, there is no harm in performing a background check. Calling a couple of professional and personal references can give you a fair idea about their work ethics. Background checks help you avoid any future surprises when you start working with your business partner. If your business partner is used to sitting late and you are not, you can divide responsibilities accordingly.It is a good idea to check if your partner has any prior experience in running a new business venture. This will tell you how they performed in their previous endeavors.4. Have an Attorney Vet the Partnership DocumentsMake sure you take legal opinion before signing any partnership agreements. It is one of the most useful ways to protect your rights and interests in a business partnership. It is important to have a good understanding of each clause, as a poorly written agreement can make you run into liability issues.You should make sure to add or delete any relevant clause before entering into a partnership. This is because it is cumbersome to make amendments once the agreement has been signed.5. The Partnership Should Be Solely Based On Business TermsBusiness partnerships should not be based on personal relationships or preferences. There should be strong accountability measures put in place from the very first day to track performance. Responsibilities should be clearly defined and performing metrics should indicate every individual’s contribution towards the business.Having a weak accountability and performance measurement system is one of the reasons why many partnerships fail. Rather than putting in their efforts, owners start blaming each other for the wrong decisions and resulting in company losses.6. The Commitment Level of Your Business PartnerAll partnerships start on friendly terms and with great enthusiasm. However, some people lose excitement along the way due to everyday slog. Therefore, you need to understand the commitment level of your partner before entering into a business partnership with them.Your business partner(s) should be able to show the same level of commitment at every stage of the business. If they do not remain committed to the business, it will reflect in their work and can be detrimental to the business as well. The best way to maintain the commitment level of each business partner is to set desired expectations from every person from the very first day.While entering into a partnership agreement, you need to have an idea about your partner’s added responsibilities. Responsibilities such as taking care of an elderly parent should be given due thought to set realistic expectations. This gives room for compassion and flexibility in your work ethics.7. What Will Happen If a Partner Exits the BusinessJust like any other contract, a business venture requires a prenup. This would outline what happens in case a partner wishes to exit the business. Some of the questions to answer in such a scenario include:
How will the exiting party receive compensation?

How will the division of resources take place among the remaining business partners?

Also, how will you divide the responsibilities?

8. Who Will Be In Charge Of Daily OperationsEven when there is a 50-50 partnership, someone needs to be in charge of daily operations. Positions including CEO and Director need to be allocated to appropriate individuals including the business partners from the beginning.This helps in creating an organizational structure and further defining the roles and responsibilities of each stakeholder. When each individual knows what is expected of him or her, they are more likely to perform better in their role.9. You Share the Same Values and VisionEntering into a business partnership with someone who shares the same values and vision makes the running of daily operations considerably easy. You can make important business decisions quickly and define long-term strategies. However, sometimes, even the most like-minded individuals can disagree on important decisions. In such cases, it is essential to keep in mind the long-term goals of the business.Bottom LineBusiness partnerships are a great way to share liabilities and increase funding when setting up a new business. To make a business partnership successful, it is important to find a partner that will help you make fruitful decisions for the business. Thus, pay attention to the above-mentioned integral aspects, as a weak partner(s) can prove detrimental for your new venture.

SEO Outsourcing Helps Improve Search Engine Visibility

SEO outsourcing helps improve search engine visibility with SEO companies coordinating the various elements that go into creating a successful and evolving search engine optimization strategy.Search engine optimization is a tricky thing to master. There are many aspects involved in SEO. It’s about getting on top of the search rankings for sure, but it requires the coordination of various disciplines to bring about the desired results. In other words, businesses need to maintain a separate department for SEO which could prove resource straining for small and medium sized businesses. For such companies it would make more sense to outsource SEO.Various Elements of SEO Outsourcing ServicesSEO outsourcing is offered by professional SEO companies that have vast experience in SEO and have helped many organizations scale the heights of success. Professional SEO services offered by reliable and efficient SEO companies cover many areas including the following:• Search engine ranking
• Social media optimization
• PPC marketing
• Email campaigns
• Other comprehensive Internet marketing means
• Link building
• Conversion optimization
• E-commerce
• Bounce rate reductionDepending on your specific business requirements, your business needs all these solutions in order to have a website that helps you gain more earnings and fulfill your long term goals. Comprehensive SEO outsourcing can ensure efficient handling of these tasks.User search trends evolve and so do search engine algorithms. A successful SEO strategy is one that evolves according to these changes. The experts at the SEO company are prepared for these, sometimes gradual or sometimes sudden, changes. A small slip-up in the overall rankings could give your rivals a significant advantage.Examples of the SEO Company’s ExpertiseKeyword SelectionThe major factor that affects rankings is still keywords. Choosing the keywords to optimize the content of your website requires research. Professional SEO services are provided on the basis of constant research carried out by the SEO experts using innovative technologies. Keyword tracking tools are one of them. Not only should keywords be selected that are instinctively searched by users, but also those that have not been exploited much by competitors.Once the competitive keywords are decided upon, which will really help improve your search rankings performance, they are judiciously added to the content for which trained SEO copywriters are employed by the SEO company.Social Media PresenceLikewise, SEO outsourcing helps in giving your business a significant presence in the social media platforms. The SEO company can plan the necessary strategies to help increase your followers and friend circles in Facebook, Google+, Twitter, Linked In and other networks. The more the followers, the greater is the likelihood of people knowing about your business and clicking the links to your site. Social media experts of SEO companies know how to keep the interest in your social media profile high. The same applies for blogs on Blogger and other blog sites as well as article submissions.These are some of the ways how affordable search engine optimization services make the difference for your business. SEO outsourcing helps improve search engine visibility through various means.

What Makes Online Education a Better Option For You?

Nowadays, pursuing a degree through online education is common, and the value of online degree from a proper accredited university or college is equally weight than the traditional campus-based degree. With both campus-based degree and online education you have more options to choose from if you want to earn a degree for you career advancement. Online education has many advantages that can benefit its students, but it may not be a good option for all students; then what makes online education a better option for you?Here a 5 signs that an online education might be a better option for you:1. You want to continue your current job while pursuing a degreeIn order to success in both work and study, you need to have a good time management that helps you to stay focus in both tasks. Online education will make it easier for you if you are the person who does not want to give up your paycheck while earning a degree for better career future. The advantages of online education that allows it students to have the most flexible learning environment can benefit a working individual and plan your times that best fit into both work and study.2. You are managing multiple time commitments Online education helps to cut down wasted time in traveling to and from school while providing flexible scheduling that can enables you to fully utilize your time. If you are a person with full of time commitments with multiple working around obligations, you will appreciate the anytime, anywhere access of the virtual classroom. Online education will be a better option for you if you have such working obligations while you study:
Frequent traveling for job assignment
Unfixed working schedule / work on shift
Involve in project-based work that need long working hour
Need to take care of your children after work hours

3. You are a visual learner Traditional campus-based learning style is more emphasis on auditory activities such as lectures and oral discussions while online education learning style is mostly in visual learning format that involves reading, writing with various visual aids found in virtual classroom. Hence, if you prefer to “read and learn” than “listen and learn” type of style, an online education learning environment will be a better option for you.4. You are self-motivated “Self-motivation” is the key factor to a success online study. Online classes allow you to logon to the class at anytime and remain in the online class for the duration you prefer, nobody will push at your back to urge you complete you projects or assignments. You may move through the material at your own pace, passing quickly on the area you already familiar with and spending more time to understand new concepts. If you equip with a good “self-motivation” characteristic, then you should have no problem in completing an online education program which makes it a better option for you.5. You are interest in a specialized degree not available locally One of the most compelling reasons to opt for online education is you can earn your dream degree offered by any of university in the world as long as the university offers online degree programs. Distance is not an issue for online education because you can reach it with mouse clicks no matter how far it is located from your place. The online education will become a better option for you when the degree you are interested in is not available locally.SummaryEarning a degree online can have many advantages over the traditional campus-based education. It will become your better education option if the advantages of online education can benefit you while helping you to achieve your education goal in a better way.