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Admissions, University of Wisconsin-Eau Claire, what is a communication degree.#What #is #a #communication #degree

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Admissions

As one of the top ten public universities in the Midwest, UW-Eau Claire gives students a distinct advantage in academics, career and life. Our graduates earn their degree AND inspiration for a lifetime.

Choose your student type to view your application process.

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What is a communication degree

We have you covered with 80+ majors and people who help you find your fit.

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What is a communication degree

You can do it! UW-Eau Claire was voted as a best return on investment school.

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What is a communication degree

Join the Blugold family! See the steps you need to get started.

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What will your AND be?

Ong Xiong is a biology researcher, a Hmong studies advocate, a McNair scholar and an International Fellow. Her many involvements and recognitions barely capture her personal and professional journey at UW-Eau Claire.

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What is a communication degree

Immerse yourself in the surroundings

We do things a little differently at UW-Eau Claire. Our liberal arts curriculum encourages Blugolds to live what they are studying now, not after they graduate. Be exposed to new perspectives that will reveal the complexity of the world around you.

  • ADMISSIONS
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  • Eau Claire , WI 54701
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SAIC – School of the Art Institute of Chicago, is the art institute a

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Is the art institute a collegeTHE CAMPAIGN FOR SAIC

Is the art institute a college

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Learn about our efforts toward supporting and building a diverse community .

  • Post-Baccalaureate

Is the art institute a college

SAIC s new faculty members represent a diverse range of practices, media, and methodologies and exemplify SAIC s focus on interdisciplinary studies. Read more.

Is the art institute a college

Is the art institute a college

SAIC’s suggested FAFSA priority deadline for each upcoming academic year is December 1 for Undergraduate Illinois Residents, January 1 for All Others. More info.

Is the art institute a college

Students have many options when it comes to getting involved in the SAIC community. Learn more.

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  • Is the art institute a college

SAIC at the Venice Biennale

SAIC was named a co-commissioner of the United States Pavilion at the 2018 Venice Architecture Biennale.

  • Is the art institute a college

    Join Us for Graduate Events

    Meet with faculty from our graduate programs at events across the country and in Chicago.

  • Is the art institute a college

    Meet Us in a City near You

    Meet with faculty, learn more about SAIC and our curriculum, get feedback on your work, and get a better sense of what it is like to be a SAIC student.

  • Is the art institute a college

    Discover Your Creativity

    Fall registration for our adult and youth Continuing Studies courses is now open.





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  • OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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    Outer Banks – Albemarle Termite – Pest Control – Elizabeth City, NC – Pest

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    Department of Human Services #what #is #a #ebt #card

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    Families First Card Electronic Benefits Transfer (EBT)

    EBT stands for Electronic Benefits Transfer. Through the “Families First” EBT card, Work First New Jersey (WFNJ) and New Jersey Supplemental Nutrition Assistance Program (NJ SNAP) recipients are able to purchase food. In addition, WFNJ recipient also are able to access cash benefits using the card. EBT offers recipients the experience of doing business like other consumers and is time- and cost-effective for merchants because it eliminates the use of food coupons. Moreover, the system has proven helpful in preventing fraud associated with NJ SNAP trafficking.

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    The EBT card is similar to a bank card, with a secret Personal Identification Number (PIN) to use the benefits that are deposited into an account. Once benefits are deposited into your account, the client can begin using their card.

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    Life Insurance: Find a Life Insurance Policy #what #is #a #variable #life #insurance #policy

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    Life Insurance

    What is life insurance?

    Life insurance can provide financial protection for your loved ones when you pass away and be an important part of your overall financial strategy. The Voya Life Companies offer all types of customizable policies with tax benefits to help you protect your financial future, provide for your loved ones and possibly even add to your retirement income.

    How to choose

    The kind of life insurance you may want depends on where you are in life, how long you want the coverage, and whether you want to use life insurance to help build money (called cash value) inside of your policy tax-free. That’s money you could possibly borrow 1 during your lifetime. Whether term or cash value life insurance, the right choice for you depends on your overall financial strategy.

    Why Voya?

    The Voya Life Companies are highly rated by commercial rating agencies for financial strength and their ability to meet claims and guarantees.

    Life insurance products are issued by ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variable universal life insurance products are distributed by Voya America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and it’s products issued. All are members of the Voya® family of companies.

    All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

    Policy loans and partial withdrawals may vary by state, may generate an income tax liability, reduce available surrender value and reduce the death benefit, or cause the policy to lapse.

    1 Income tax free distributions are usually achieved by withdrawing to the cost basis (usually premiums paid), then using policy loans. This assumes the policy qualifies as life insurance, is not a modified endowment contract, is not lapsed or surrendered with an outstanding loan. Individual tax results may vary. You should consult your attorney or other tax advisor.





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    15 Online Tools Making Recruitment Faster And Cheaper #is #online #college #cheaper

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    15 Online Tools Making Recruitment Faster And Cheaper For Any Business

    E very business needs new staff at some point. But recruiting them can be expensive or painful. Both if you’re unlucky.

    There’s good news for employers: The internet is ‘democratising’ the recruitment process.

    Tools that were once a trade secret of expensive recruitment agencies are now available to anyone online – at a low cost, and often free!

    The trick for most businesses is knowing what’s available, and where to start.

    This list should help.

    First, consider the traditional options. Employers typically take one of 2 approaches when recruiting new staff:

    1. Throw an ad on Seek (“post then pray”).
    2. Use a traditional recruitment agency (“pay then pray”)

    If you’ve tried either, you’ll know the drill. You always pay: whether in cash money or time. And there’s generally an element of prayer. Both can be deeply unsatisfactory.

    Now, let’s consider the full recruitment cycle, simplified into 3 key phases:

    Here are 15 online tools that can make recruitment cheaper, easier and faster for any business.

    Technology Guide for Modern Recruiters: Inside this 60-page e-book, you’ll find technology recommendations for each stage of the recruiting process. Download Now!

    Sourcing

    The job board isn’t quite dead. For many roles it’s still the primary source of hire. But smart employers no longer just post and pray. They actively source candidates through a range of other channels.

    1. LinkedIn

    LinkedIn is the obvious alternative to job boards, but many employers are still confused about where to start. Here are 5 tips for beginners. You can search candidates, post job ads, join groups, and promote your organisation.

    Long the domain of professional recruiters (who provide half of LinkedIn’s revenue), companies are now wising up to the potential themselves.

    An example? Deloitte have cut $6M from their annual recruitment bill through more active sourcing on LinkedIn.

    2. Facebook

    Facebook is approached with a mix of enthusiasm and cynicism when it comes to recruitment. Whatever you think, you can’t ignore it. Creative employers can now target job ads to specific types of users like a laser.

    Looking for a marketing manager, with an interest in indie music, based in Sydney’s eastern suburbs? Facebook can help. Also checkout professional networking plugins like Branchout and BeKnown .

    3. Video

    Video is a great way to attract candidates by building a profile, and sharing your personality. Get creative. Two of our favourite recruitment examples: Wankers don’t wo rk here

    Don’t forget a call to action! You can easily insert a LinkedIn ‘Apply Now ‘ button on your blog. Potential candidates can register interest with a single click.

    4. Meetups (www.meetup.com)

    What’s your ideal candidate passionate about? What’s their area of specialty? Meetups are taking off globally, allowing people with similar interests to get together in person. Yep! TRW (the real world).

    Here’s a secret no recruiter would share with you. You’re looking for a Ruby on Rails specialist? There’s a meetup for that. Why not go along, introduce yourself, and meet potential candidates in person?

    A few hours at a meetup could save you $20,000, which is what a specialist recruiter would charge when they find you a candidate this way.

    5. Forums

    This is an online version of a meetup. There’s a forum for almost any industry or niche. You’ll see people displaying their knowledge, expertise, and even complaints or frustrations about their current employer. Examples:

    Selection

    Now you’ve got a shortlist of candidates. How do you select the best one. Don’t ignore the traditional interview. But these other online tools can make your interviews more efficient and targeted.

    6. Video Interviews

    Anyone who has interviewed more than a handful of candidates in person will have experienced ‘the dud’. Within 5 minutes you know they’re clearly not right for the role, but you continue the interview to avoid appearing rude. Video interviews can solve this problem, whether:

    • Live interview – eg through Skype
    • Recorded interviews – Automated video interviews, with candidates recording their blind responses to questions via webcam. (This is a tool we offer at RecruitLoop ).

    7. Psychometric Testing

    Learn about behavioural, leadership or decision-making traits before hiring anyone. Psychometric testing used to be expensive, but affordable online options include:

    Note: A psychometric test should only be one data point to your hiring decision and certainly not the decision-making tool. Make sure your provider gives you a solid and pragmatic interpretation in a report from a qualified psychologist.

    8. Skills Testing

    Got a role with technical requirements? You’d want to be sure your candidate is up to the task. You might even want to test a candidate before deciding whether to interview. Examples:

    9. Reference / Background Checking

    We recommend conducting two reference checks before making any hire. But it’s a thankless task, sometimes suited to outsourcing. Examples:

    10. Social Media Checking

    At one extreme, some web-savvy employers ask candidates to only submit their online social profiles when applying for a job. Used with caution, a candidate’s online presence can tell you a lot about their personality and cultural fit.

    Retention

    Awesome! You’ve made the hire. Now the most important part is keeping them satisfied, engaged and productive. Employee retention is one of the biggest ‘white space’ opportunities for companies to save time and effort.

    11. Employee Attachment

    Did you know that during the first 120 days of your new recruit’s employment, they will actively assess whether they have made the right decision to join your organisation?

    The cost of poor attachment is beyond the cost of recruitment. The direct and indirect costs can add up to over $100,000 over the first three months for a new employee.

    Our friend Anthony Sork has patented a survey measure to test exactly this. Used properly, it gives employers an opportunity to intervene before losing a new team member.

    12. Ongoing Engagement

    Measuring ongoing employee engagement used to require expensive consultants and surveys. We’ve been watching an Australian startup with interest – CultureAmp – which makes engagement surveys more accessible, affordable and actionable.

    13. Performance tracking

    Performance management is a critical process but one that unfortunately most companies ignore. It’s also a process often run poorly, giving staff the impression that the organisation doesn’t care about or invest in their performance and professional development. Two fantastic local startups are making performance management easy and (dare I say) fun!

    14. Recognition

    Often a hard area to get right, both individual and team recognition can have a huge impact on productivity and morale. Check out Sydney-based startup:

    15. Internal Collaboration

    Get your team talking! Break down the silos and bring social into the enterprise. A great tool in this space includes:

    The Reality Check

    I should report an unfortunate truth: none of these tools is a magic wand.

    Recruitment is a mission critical process, requiring real effort, resources and focus. Then throw in some human touch and old-fashioned gut feel for good measure. But the good news is that every company can now access tools that agencies once used to justify fees in the tens of thousands of dollars.

    The internet now makes it possible for any company to recruit like a Google (or any recruitment agency) as long as you’re willing to dedicate the effort into doing it properly.

    Free eBook: We asked recruiters we trust to share their recommendations for affordable tools that offer support for the challenges facing today’s modern recruiters. Here’s an overview of features and benefits for each platform recommended Get it Now!





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    What is variable life insurance? #which #of #these #is #an #element #of #whole #life

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    What is variable life insurance?

    100 % of people found this answer helpful

    Variable life insurance is a permanent form of insurance that builds up cash value but allows you to invest the extra in sub-accounts that are managed by many professional management firms. The process of buying a variable policy is to allow your agent or registered representative to run an illustration showing the premiums required to purchase x amount of insurance that will buildup x amount of cash based on the sub-account illustrated performance. It sounds complicated, but it really is not. The key is running a policy that will sustain itself to age 95 to 100 with an interest rate of the sub-accounts that is reasonable, usually 7-8%. The sub-account is the insurance industry equivalent to mutual funds so do not get that confused. The market might average 9-10% for the last 100 years, but it is best to run your sub-account assumed performance a little lower than that for a little more security.

    A good, experienced registered representative should take into account if a variable policy makes sense for your insurance/investment portfolio as many times these types of polices can be abused. Consumers can pay into it for a certain period of time and then change their minds mid-stream causing them significant out of pocket expense and then a possible surrender charge on the cash that they did build up. If the consumer does not make the long term commitment to the plan, they likely will lose quite a bit not to mention the time lost. If kept, the policy can be a great tool for insurance protection and cash value options down the road. However, this plan takes many years to complete and insurance needs change over time.

    Jason R. Tate, ChFC, CLU, CASL

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    81 % of people found this answer helpful

    Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund. except it s only available within a variable life insurance policy. A typical variable life policy will have several sub-accounts to choose from, with some offering upwards of 50 different options.

    The cash value account has the potential to grow as the underlying investments in the policy s sub-accounts grow – at the same time, as the underlying investments drop, so may the cash value.

    The appeal to variable life insurance lies in the investment element available in the policy and the favorable tax treatment of the policy s cash value growth. Annual growth of the cash value account is not taxable as ordinary income. Furthermore, these values can be accessed in later years and, when done properly through loans using the account as collateral. instead of direct withdrawals, they may be received free of any income taxation.

    Similar to mutual funds and other types of investments, a variable life insurance policy must be presented with a prospectus detailing all policy charges, fees and sub-account expenses.

    To learn more, be sure to read our related article, Variable Vs. Variable Universal Life Insurance .

    This question was answered by Barry Higgins .

    Was this answer helpful?

    77 % of people found this answer helpful

    Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund, except it s only available within a variable life insurance policy.

    I m not a huge fan of this type of Life Insurance. I ve found people can better serve their protection planning needs with Universal Life policies, with additional benefits for things like Terminal Illness and Chronic Illness riders. With a fully invested portfolio, there is just too much market risk for many people who actually need the underlying life insurance coverage. Bad few years in the market could cause the cash value to drop and put the death benefit in jeopardy when you need it the most.

    *The investment return and principal value of variable sub-accounts will fluctuate. Your cash value, and perhaps the death benefit will be determined by the performance of the chosen sub-accounts. Variable universal life insurance policies typically include mortality and expense risk charges, administrative fees, and fund expense charges.

    Withdrawals may be taxable and subject to surrender charges. Policy Loans and withdrawal will reduce the policy s cash value and death benefit. Loans are subject to interest charges.

    Hope this helps,

    Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA, SIPC, a Registered Investment Advisor. Trilogy Capital Trilogy Financial and NPC are separate and unrelated entities. The opinions voiced in this article are for general information only and do not constitute an endorsement by NPC. NPC does not provide tax advice. www.FinancialPlannerLA.com

    Was this answer helpful?

    67 % of people found this answer helpful

    Variable life insurance is the industry s attempt to let you have your cake and eat it too. It was a very popular product when I started my career selling life insurance in 1991. At that time, I was a captive agent with one of the original companies to manufacture it. The pitch was then and still is that the product allows you to get the best deal for a death benefit as well as the best deal for a living benefit. Maybe.

    First, a little history.

    From its inception, life insurance has typically been the most cost-effective way to pass money on to your heirs. No other product comes close to getting them the exact amount of money they need, exactly when they need it, for pennies on the dollar.

    Still, the industry wanted to make the product more attractive, so they installed a cash account. This way people could get value from their purchase without waiting until they die. Whole life became popular and offered strong guarantees. Universal life then became popular and offered weaker guarantees, but more flexibility, and the potential for higher gains.

    But, these gains would still be determined by the investment performance of an insurance company, so the industry went a step further. They separated the cash account from the policy and let the insured grow cash through market-based investments. Because life insurance can receive favorable tax treatment, these products offered the chance to make money in the market and not pay taxes.

    Under the right circumstances, variable life insurance can do exactly that. These are what I consider to be those circumstances:

    First and foremost, you have to qualify for a low premium. If the cost of insuring you is too high, then this overhead will significantly suppress your cash growth. Before you even consider purchasing this product, get prequalified for coverage to confirm competitive rates are available, given your own personal risk profile.

    Second of all, you really have to know what you re doing as an investor. This product is treated legally as a security, and rightfully so. Like any investment, you have to manage risk and reward, factor in expenses, stay on top of asset allocation, and do everything else needed to insure optimum performance. If you are not prepared to do this yourself, then make sure you have an advisor who will.

    Also as part of the management of the product, make sure you understand how to work within existing tax laws. There s a right way, and a wrong way, to grow cash inside life insurance, and take it out. Mistakes can be very costly. If you are considering paying significant sums into your policy, make sure you get professional tax advice.

    Was this answer helpful?





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    What is business plan? Definition from #online #business #opportunity

    #what is business

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    business plan

    A business plan is a document demonstrating the feasibility of a prospective new business and providing a roadmap for its first several years of operation.

    Business plans are an important part of creating new businesses, whether as a startup or an offshoot of an existing business. Business plans for startups are often shared with funding agencies, potential investors and venture capitalists to obtain the necessary funding.

    Although the specifics may vary, here are the typical components of a business plan for a new business:

    1. The executive summary is a nutshell version of the entire plan, briefly covering the essentials.
    2. The business description describes the proposed new endeavor, explains its purpose and its target market.
    3. The plan’s market analysis section describes the industry and the market environment of the proposed business, including a profile of the competition.
    4. The organizational and managerial section explains how you envision the structure of your business, what types of positions and departments it will encompass.
    5. The products (or services) section details what you’re offering. This section should include a full description of the products you’ll sell and your plan for product lifecycle management (PLM ).
    6. The marketing and sales section explains your strategies for branding. marketing and selling your product or service.
    7. The funding request will differ according to what type of information is required by the funding party.
    8. The financial projection covers the expected performance and milestones over the first years of operation, usually five years. For an existing business, historical financial data should be included.
    9. An appendix can include useful information that doesn’t belong in any of the other sections.

    A business plan is similar to a business model. However, the latter is a representation of how an existing business works, rather than how a prospective business can work.

    This was last updated in December 2013

    Contributor(s): Ivy Wigmore

    Related Terms

    Definitions

    – Risk management is a company’s process for identifying and controlling threats to its assets, including proprietary corporate data, customers’ PII and intellectual property. (SearchCompliance.com )

    – Rebranding is an update of the materials and presentation used to represent a business. A company may rebrand to appear more modern or to distance itself from past issues, among other possibilities. (WhatIs.com )

    – A/B testing is a statistical method used to assess proposed changes to a product or service. (SearchBusinessAnalytics.com )

    Glossaries

    – Terms related to business, including definitions about project management and words and phrases about human resources, finance and vertical industries.

    – This WhatIs.com glossary contains terms related to Internet applications, including definitions about Software as a Service (SaaS) delivery models and words and phrases about web sites, e-commerce.

    Dig Deeper





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    What is business technology (BT)? Definition from #business #sales

    #business technology

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    business technology (BT)

    Business technology (BT) is the ever-increasing reliance on information technology by businesses of all types to handle and optimize their business processes .

    Download this free guide

    Download 9 FREE Strategic Planning Templates that your Peers Already Use

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