Hello friends!
So, as I said yesterday, I'm back with part 3 of the 12 Principles series. I know, 3 parts seems like a lot, but I feel this last one deserves an entry all on its own. This philosophy was assigned to my coworker Jorge. He really ran with it and did an excellent job. Most of the credit for this entry should go to him. Let's dive right into it...
12. Work with Love and Spirit...
In order to really understand what this principles means, let us first break it down. There are three words that truly give this philosophy its meaning; work, love, and spirit.
Work: There is a mathematical equation tied to this concept. Work is the amount of energy transferred by a force acting through a distance. In essence, work is energy. This means that we must put in real effort in order to consider each day a good day of work. When I think of energy, I think of excitement, enthusiasm, and zeal. Be enthusiastic about what you do. Make the most of every task and duty assigned to you. Put your heart into it, which leads me to...
Love: The Greeks broke love down into four different terms (the 4 loves). The first is Eros, which is a passionate and romantic love. This is shared between couples. The second love is Agape, which is called the "ideal love. This love is often a choice made out of principle. It is sacrificial, and unconditional; a love one is willing to die for. A successful marriage relationship consists of both Eros, and agape. The third love is Storge, which is natural affection. We see this with our parents. It cannot be explained, other than to say that our parents love us because we are a part of them. The final love is Philia, which is a virtuous, brotherly love. It is loyalty and affection for friends.
As we all know, to love is to place a great importance on an object or person. It connects you with that object of your affection deeper than anything else possibly could. When you love what you do, the passion and affection is obvious. As is the effort and energy you put into it.
Spirit: In Latin, the word means soul, courage, vigor or breath. When you put your soul into something, it becomes more than a task. It becomes embedded into who you are. It becomes part of your identity. To put your "breath" into something is to put your life into it. Our breaths keep us alive. Essentially, we are breathing life into our work.
If I may, let me give you some personal examples. I sing, create, and produce music. As you may know, this is no easy task. I would spend weeks locked into my little studio creating full songs from scratch. I was also in a rock band, and would spend weeks writing songs with my band. There is no greater example of working with love and spirit than a group of guys getting together through a shared love and passion for music, tirelessly expending energy and pouring their soul into chords, beats, lyrics, melodies, and harmonies. The end result may not appeal to everyone (different people have different musical preferences), but it made me happy because I knew my blood, sweat, tears, heart and soul had been poured into the music.
Another great example would be my wedding day. Over a year of insane planning, sleepless nights, budgeting, tasting, dieting, designing, shopping, premarital counseling, and countless other things...to put together one 5 hour event. No other day in my life has merited this principle more than June 7, 2010. That day redefined who I am as a person, in that it united me with another person until death parts us. My heart, soul, mind, and strength were poured into that year of preparation. I have never worked so hard in my life. Was it worth the effort? Absolutely!!
We must expend energy with great force and effort over distance in a passionate, ideal, and affectionate manner with all our breath, soul, and vigor! If you want to succeed at any task you are endeavoring to accomplish, you must work with love and spirit. True greatness in our work (whether in a piece of art, a business venture, a home cooked meal, or a late inning home run) comes only when we apply this ultimate principle into our work. If you can't see yourself doing this at your current place of employment, then maybe you should be thinking about getting into a new profession....
-Danny
www.cbt.edu
www.cbt.edu/facebook
Showing posts with label college. Show all posts
Showing posts with label college. Show all posts
Thursday, September 30, 2010
Thursday, September 16, 2010
Setting Goals
When I was a child, I remember wanting to be a professional baseball player when I grew up. I also wanted to be a doctor, meteorologist, lawyer, superhero, actor, singer, advertising exec, graphic designer, producer for a record label, and King of Prussia. I had some lofty dreams. The direction that my life has taken dictated my current standing in the professional world. As we speak, I believe I have achieved one of my "when I grow up" goals as an up and coming marketing, events, and new media manager. Most would agree that I am in the right field, based on my talents, "artsyness", persistence, and persuasiveness. I truly believe the sky is the limit for me in this field because I am great at what I do. Why do I tell you this, though? Where is this coming from, and where is it going? Good question! Well, I was recently thinking about where I want to be in a few years, and how important setting goals in your life can be.
I strongly believe that setting goals allows a person to establish purpose in their professional and personal life. Are you working at your current place of employment just to work? Is it just for the money? If so, you're probably not where you should be. Are you dating someone you don't see a real future with? If so, you shouldn't be dating that person. Honestly, what is the point of being with someone if you don't see it having a future? What is the point of living life with no desire to create a better existence for yourself, your loved ones, and humanity as a whole? By setting goals in every significant aspect of our lives, we are creating the drive, the motivation and the perseverance needed to accomplish them.
When a person enrolls at a college or university, they should have a goal in mind: graduate! That goal is directly connected to another goal: start a career in the field you are studying. That should again, lead to a bigger goal, like move up the ladder, go to grad/med/law school, start your own business, plant a church, etc. When a person embarks on a new romantic relationship with someone, the goal should always be marriage. I am strongly opposed to the idea that in our youth, we should sow wild oats, spread our seed, and play the field. All of those things are without purpose, without promise, and unnecessary acts of instant gratification. Of course, this is my opinion and I don't expect everyone to agree with me or suddenly change their point of view. Just to cement my point though, let me give you two personal examples of this very goal setting issue.
Example 1:
I dated this girl, let's call her Lily....
She dated an acquaintance of mine for a few years. Some mutual friends of the acquaintance (let's call him Greg) told me that Lily was bad news. They told me to stay away from her, because it would not end well. Greg himself offered some advice, but I did not heed any of their warnings. I liked Lily. She was pretty, fun, spunky, and we had common interests (music, food, movies). Mind you, I was 20 at the time, and living the "college life". I was far from the person I am now, and far from the God who gave me true purpose. She was pretty, I was into her, and we started dating. There was no real goal, and I should have seen it ahead of time. We had differing views on politics, religion, and family. She liked the drinking, smoking, rock star lifestyle. I played along, and I actually really liked her. Fast forward a few months...she cheated on me. Funny thing is the guy she cheated on me with was the very reason her and Greg broke up! Greg didn't tell me about that, and neither did anyone of our mutual friends. In hindsight, I don't think it would have made a difference to me. I would have dated her anyway, because I thought she was cool, and pretty. I ignored all the warning signs, I ignored the caution flags, I ignored the "Buyer Beware" notice. I gave her parts of me that she didn't deserve. I compromised values, and lifelong beliefs and goals for someone who would later devalue and defame those very things. It was a fruitless relationship that served as a wake up call and became the catalyst for bringing me out of my prodigal living.
Example 2:
I met this girl, let's call her Stephanie....
We met under interesting circumstances; my family member was dating her family member. She was down from another state, let's call that state Tennessee. It was a blind date kind of thing. Stephanie was going through a rough patch at the time, and came to stay with some relatives to clear her head, and hopefully have some fun. So, that night we all went to dinner and a movie. I was 22 at this time, and a little wiser I think. I was over my dumb phase, and had the proper mindset for a real relationship. We hit it off, I liked her. During her time here that summer, we really began to fall for each other. She wanted to transfer to a college in Miami, and be with me. Towards the end of the summer though, she had to leave. She went back to Tennessee and we were devastated. I did some very hard thinking, and knew that if I did what I was planning to do, I had to KNOW that she was the one.
My next move was drastic, and had I not had the goal of "happily ever after" in mind, my actions would have been both selfish, life shattering, and stupid. I realized all this, and made the decision then and there, that I was going to marry this girl name Stephanie. I took a bus to Tennessee, and her parents placed their trust in me. They trusted that I would take care of their first born, that I would love her, cherish her, and never forsake her. They trusted that allowing her to leave home and move to Miami to be with me was not a mistake. Fast forward to June 7th, 2009...Stephanie Marie Diago became Stephanie Marie Saavedra. This was and is the greatest day of my life. I knew on June 23rd, 2007 that I was having dinner for the first time...with my wife. From that day on, all my actions were made with that goal in mind.
My point is this folks: goals give our day to day actions a purpose, a meaning, and significance. Who wants to just float through life without ever accomplishing or achieving anything? Set goals, strive for excellence, and walk the straight and narrow path in order to achieve those goals. Set daily goals, weekly, monthly, yearly, and major life goals. I want to own a house in the next 5 years. I want to have my first child in the next five years. I want to be the youngest director of this company in the next 3 years. Those goals are all attainable for me, as long as I put in the work to make them possible. I am confident in my abilities. You're goals may be as big as curing cancer, or as small as getting an A+ in your Physics quiz tomorrow. The point is, set them because they honestly do give you more desire to achieve them. If you just go into that quiz with no stated goal, you won't be as motivated. It sounds dumb, but it's true.
-Danny
www.cbt.edu
www.cbt.edu/facebook
I strongly believe that setting goals allows a person to establish purpose in their professional and personal life. Are you working at your current place of employment just to work? Is it just for the money? If so, you're probably not where you should be. Are you dating someone you don't see a real future with? If so, you shouldn't be dating that person. Honestly, what is the point of being with someone if you don't see it having a future? What is the point of living life with no desire to create a better existence for yourself, your loved ones, and humanity as a whole? By setting goals in every significant aspect of our lives, we are creating the drive, the motivation and the perseverance needed to accomplish them.
When a person enrolls at a college or university, they should have a goal in mind: graduate! That goal is directly connected to another goal: start a career in the field you are studying. That should again, lead to a bigger goal, like move up the ladder, go to grad/med/law school, start your own business, plant a church, etc. When a person embarks on a new romantic relationship with someone, the goal should always be marriage. I am strongly opposed to the idea that in our youth, we should sow wild oats, spread our seed, and play the field. All of those things are without purpose, without promise, and unnecessary acts of instant gratification. Of course, this is my opinion and I don't expect everyone to agree with me or suddenly change their point of view. Just to cement my point though, let me give you two personal examples of this very goal setting issue.
Example 1:
I dated this girl, let's call her Lily....
She dated an acquaintance of mine for a few years. Some mutual friends of the acquaintance (let's call him Greg) told me that Lily was bad news. They told me to stay away from her, because it would not end well. Greg himself offered some advice, but I did not heed any of their warnings. I liked Lily. She was pretty, fun, spunky, and we had common interests (music, food, movies). Mind you, I was 20 at the time, and living the "college life". I was far from the person I am now, and far from the God who gave me true purpose. She was pretty, I was into her, and we started dating. There was no real goal, and I should have seen it ahead of time. We had differing views on politics, religion, and family. She liked the drinking, smoking, rock star lifestyle. I played along, and I actually really liked her. Fast forward a few months...she cheated on me. Funny thing is the guy she cheated on me with was the very reason her and Greg broke up! Greg didn't tell me about that, and neither did anyone of our mutual friends. In hindsight, I don't think it would have made a difference to me. I would have dated her anyway, because I thought she was cool, and pretty. I ignored all the warning signs, I ignored the caution flags, I ignored the "Buyer Beware" notice. I gave her parts of me that she didn't deserve. I compromised values, and lifelong beliefs and goals for someone who would later devalue and defame those very things. It was a fruitless relationship that served as a wake up call and became the catalyst for bringing me out of my prodigal living.
Example 2:
I met this girl, let's call her Stephanie....
We met under interesting circumstances; my family member was dating her family member. She was down from another state, let's call that state Tennessee. It was a blind date kind of thing. Stephanie was going through a rough patch at the time, and came to stay with some relatives to clear her head, and hopefully have some fun. So, that night we all went to dinner and a movie. I was 22 at this time, and a little wiser I think. I was over my dumb phase, and had the proper mindset for a real relationship. We hit it off, I liked her. During her time here that summer, we really began to fall for each other. She wanted to transfer to a college in Miami, and be with me. Towards the end of the summer though, she had to leave. She went back to Tennessee and we were devastated. I did some very hard thinking, and knew that if I did what I was planning to do, I had to KNOW that she was the one.
My next move was drastic, and had I not had the goal of "happily ever after" in mind, my actions would have been both selfish, life shattering, and stupid. I realized all this, and made the decision then and there, that I was going to marry this girl name Stephanie. I took a bus to Tennessee, and her parents placed their trust in me. They trusted that I would take care of their first born, that I would love her, cherish her, and never forsake her. They trusted that allowing her to leave home and move to Miami to be with me was not a mistake. Fast forward to June 7th, 2009...Stephanie Marie Diago became Stephanie Marie Saavedra. This was and is the greatest day of my life. I knew on June 23rd, 2007 that I was having dinner for the first time...with my wife. From that day on, all my actions were made with that goal in mind.
My point is this folks: goals give our day to day actions a purpose, a meaning, and significance. Who wants to just float through life without ever accomplishing or achieving anything? Set goals, strive for excellence, and walk the straight and narrow path in order to achieve those goals. Set daily goals, weekly, monthly, yearly, and major life goals. I want to own a house in the next 5 years. I want to have my first child in the next five years. I want to be the youngest director of this company in the next 3 years. Those goals are all attainable for me, as long as I put in the work to make them possible. I am confident in my abilities. You're goals may be as big as curing cancer, or as small as getting an A+ in your Physics quiz tomorrow. The point is, set them because they honestly do give you more desire to achieve them. If you just go into that quiz with no stated goal, you won't be as motivated. It sounds dumb, but it's true.
-Danny
www.cbt.edu
www.cbt.edu/facebook
Tuesday, September 14, 2010
Maximize Your College Experience
It's a fact: College is a huge investment in every way. It's a major investment of money, time, and energy. It requires countless hours of hard work, reading, writing, reviewing, analyzing, critical thinking, cramming, Red Bulling, and bad eating. For some, it's a big party centered around sex, drugs, and rock and roll. Most of the time, those people eventually -but not always- realize that this isn't high school, no one is going to hold your hand, and push you to stay the course. In most colleges, they have zero problem failing you. There are no parent-teacher conferences, no principal visits, no desire to make sure you will stay in school. Why is that? Well, they could easily find someone else to take your place, and fill your seat. Don't believe me? Check Miami Dade College's graduation and retention percentages. It's not pretty. Is it their fault? By no means! MDC is a great college with solid professors, and good programs. They are, however, the second largest college in the country behind the University of Phoenix (let's not even get started down that road). Being that large, you are bound to have higher drop rates, and more trouble making sure students succeed. This discussion isn't about that though. My point is simply that no one will hold your hand and guide you through it. It's all on you. So, what can you do to maximize your college experience? How can you get the most out of college?
I have done some research and have found some keys to collegiate success. I hope these help some of you on your journey through academia.
1. Prioritize!!!
There is no bigger mistake that a person can make in college than not having their priorities in order. Let's just get this out of the way, because I can literally go on about this for 938 pages: College is not a party! People go to college to learn, and prepare themselves for the professional world. The main goal is to get the training and education necessary to succeed in the field you will eventually enter. It is not a 4 -6 or 7 for some- year excuse to go out every night and get hammered, sleep with Regina Random or Stevie Somebody. While you may think those things are important, in the long run, they can end up doing more harm than good. I don't think I need to go into detail about the dangers of excessive binge drinking, drinking and driving, or drinking and sexing. I'm sure you have heard it all before. Remember, you are paying (or borrowing money that will be repaid by you later on) to be in class, learning the skills necessary to be a success in life. Whether you are studying to be a doctor, lawyer, teacher, chemist, speech pathologist, or librarian, your goal should be to become the best in that field. Don't settle for mediocrity in your career because you were too busy partying in college to actually learn anything. Stay on top of your degree track, keep your GPA as high as possible, don't procrastinate, do your own work, and make sure you don't sacrifice your school work for a couple of drinks with the guys. You have your whole life to party, but that assignment can only be turned in once. You can't undo a failing grade in a college transcript. Keep your priorities in check!
2. Learn How to Think...Critically
What does that even mean? Well, in college you are going to come across material and subjects that are new territory for you. These may come in the form of lower division, or very difficult level 4000 courses. Regardless, new material means you will have to actually take the time and LEARN the material.
First, you will have to learn a skill most of us have eluded for years: listen. I don't mean to hear things. I am referring to the practice of filtering the truly vital and distinguishing it from the unnecessary. I am referring to proper note taking (not scribbling every single word spoken by the professor). Learn to speed read through your books (there will be plenty of them), "identify the main points, concepts, and reasoning behind them".
If you don't understand a concept, or idea brought up in class, ask the T.A. or professor. Don't be afraid to speak up in class; raise your hand and ask your question. You will not be laughed at, or thought less of for not understanding. Chances are you aren't the only one with that question. Don't wait for someone else to ask it because they are probably waiting for you to ask. Most professors won't mind going over something again. After all, they get evaluated after each semester, and believe me, those evaluations actually mean something. I work at a college, and have seen bad evaluations lead to dismissal of professors. Take what you learned in the lectures, and expand on it. Learn how to think "critically". Ask yourself “What if” questions. Try to look at what you learned from other possible angles, not just the one that was presented to you by your professor or book. Draw your own conclusions, find different ways of looking at things. Always be able to back up your points, though. Do this, and not only will you impress your professors and build a good rapport with them, but you will take your though process to a new level and develop one of the most useful life skills that you can acquire in college.
Critical thinking often appears in research papers, liberal arts courses, group discussions, and essays. While we did a lot of these types of assignments in high school, the college professor will not give you the same grade you received in high school. Why? Your thought process and critical thinking should improve and mature as you progress through academia. You will have to put more into your papers than fluff and restated introductions. In the case of group discussions, you will hear from a variety of people, each with slightly different perspectives and thought processes. Sometimes, these classmates could blow your mind with their take on a subject. You want to be able to contribute to these discussions. Develop this skill, and it will aid you all your life.
3. Build Lasting and Quality Relationships
This one is quite overlooked in the era of the Social Network. We think that our 762 Facebook "friends", 241 Linked In "connections", and 458 Twitter "followers" form our network. While some of those connections may be very valuable and could pay off big time in our future, it's always a much safer bet to develop quality connections with people at school. What constitutes a quality relationship, though?
It's a simple idea: Make quality friends. Devote some time and energy to the development of lasting, beneficial, friendships. Get out there and connect with classmates. Once you start getting into your program courses (not so much with general education courses), you will begin to see the same faces over and over. Make friends with those faces! Listen to them, provide comfort and advice when necessary, help each other out without expecting a return. Share notes, help them get a job if you can, introduce them to your social circle. These relationships are the ones that can last for a lifetime. High School friends rarely stay friends. Those young relationships often deteriorate and fizzle out as you embark on different paths. It's sad, but so very true. The things that I believe helps maintain these college friendships are common life interests (career), similar fields (which could put you in constant contact), and maturity. The whole maturity thing actually does make a difference. Often times, we find that our middle and high school friends were our friends because we shared common interests in our youth, but as we grew in college, our interests and goals became very different. Now, I'm not saying to dump your high school buddies, I'm simply stating the what and why of it. I have seen this happen dozens of times, and it's usually for these reasons. Your best relationships are almost always created in college.
Join clubs and associations. Get involved in student government, support school athletics, join organizations. Not only does that allow you to become a contributor to the college, but it gives you another avenue to build relationships.
I haven't even gotten to professors yet! Build relationships with the faculty in your program. Chances are you will have the same professors often, so make sure they know who you are by name. Build a great rapport with them. If they have functions or events, attend them. Network with their people. Get noticed in your department for the right reasons. Those professors will one day become great recommendation letters for grad school or future employment. It won't be the case if you do not build relationships with them, though. A professor will not recommend a student who was a ghost in their classes. A professor will not recommend a nameless face. Make sure to build these vital relationships! You will be glad you did...
4. Take Interesting Classes
You don't have to limit yourself to classes in your major. That's what electives are for! Classes unrelated to your major, that offer great skills, and knowledge are great. Take a class on something you have always found interesting but never had the chance to learn about (like Greek Mythology, Latino Literature, French, or History of The Beatles).
In college, Steve Jobs took a calligraphy course. Weird right? Well, he says it ended up influencing the "typography of Apple". You never know what you may take from an outside the box type of course.
"By taking classes that interest you, not only will you learn interesting things about the classes and about yourself, you may find it helpful to you indirectly down the road".
5. Socialize
Being shy is not an option in college. Learning how to socialize is not only important in college, but it's extremely important life skill for your career. It can help you develop more than almost any other skill. What better place to learn these skills than in college?
Talk to your classmates. "By socializing in class, you can easily form study groups", have someone to share notes with in case you miss a class or didn't feel satisfied with your notes. And of course, you can develop quality relationships (you remember that, right?)
6. Gain Work Experience
Rather, gain good work experience. I know it's much easier to just work at American Eagle or Starbucks, but where will that get you? It may help you pay for things in the short term, but this is not the ideal job for college students. Again, it is the easiest job to find, but I recommend you go in a different direction.
Take the time to find a quality job or internship related to your field. This is very important, because it can help you figure out whether you really WANT to do that. Too often, a person spends thousands of dollars and 4 to 6 years of their lives on something they soon discover is not for them. That is completely tragic and possibly avoidable. Find jobs or internships in your field. If you want to be a lawyer, apply as a legal assistant, or law office receptionist. If you want to be a nurse, apply as a medical office front desk. If your career allows for internships (journalism, advertising, business, etc.), find one before someone else takes it. Who knows, they may love your work so much that they keep you on after your graduate as a full time, well paid employee. It could also help you "Build Quality Relationships"!
Trust me when I tell you that this is extremely important, and always everyone puts it off until after they graduate. By that time, you shouldn't be interning, but full time, and salaried. So many people fail to do this, and then wonder why they can't get that job they want. There will be plenty of graduates in your degree program. What separates you from them? Your work experience and connections.
7. Time Management!!
Why do today what you could put off until tomorrow? That's the typical person's mentality. Instead, don't put of until tomorrow, what can be accomplished today, that way you can stay ahead of everyone else tomorrow! Believe it or not, you have more activities to accomplish in college than beer pong, and flip cup! You have a ton of classwork.You have to learn, study,, think critically, build relationships, exercise, work, etc. That's a loaded schedule. Oh, and don't forget family time. Never neglect your family. Few things in life are more important than our families, yet they often fall behind friends, and fun. So, how can you manage your time? Create "to do" lists, create updates calendars using tools like Outlook and Google. Keep a schedule and stick to it. Don’t procrastinate. Go to class, study, do your work. Make time for friends, and a social life, but not at the expense of your school work. Remember, you have your whole life to have fun. Most people will only work from 9AM through 6PM, and they don't take their work home. That leaves weekends, and nights open for the rest of your life. Get through college with effective time management, and prioritizing properly. Read up on time management techniques, and USE THEM!!!
8. Have Fun!
I know I have sounded like Johnny No Fun throughout this entire rant of mine. The reason for that is that I want to stress the importance of success in your collegiate life, above all else. That success in the classroom can lead you to huge success (through financial success and life satisfaction). Don't sacrifice your grades for the parties. That doesn't mean you shouldn't have fun, though. I'm not going to say, "hey guys, go to the parties, the clubs, the midnight underwear runs, the games, the concerts, and drink beer with your buddies on Thursday night". That's not me, so I won't tell you that those things are awesome, and essential to the "life experience". I personally don't think they are, and can say that having done those things. I prefer going out to eat with my friends, and just cracking jokes, talking, eating, playing games, going to watch the Marlins or Dolphins, and watching movies and TV shows. That's me, though. Expand your social circle, try new foods, listen to different types of music, join clubs, and associations at school, volunteer for charitable events, help the homeless, visit a nursing home! Have fun and take pictures!
-Danny
www.cbt.edu
www.cbt.edu/facebook
Thursday, September 2, 2010
Providing a MUCH needed medical service!
Hello everyone!
So, CBT College has opened up a great new service in the Cutler Bay area. As we all know, medical screenings are quite expensive. Even with insurance, you always have to pay a little something in the form of a deductible. For what? For a simple blood test, or cholesterol screening. These services should absolutely be free and offered to everyone. Now, at CBT Cutler Bay, they are!
As of August 30th, the Cutler Bay campus has opened its doors and become an Outreach Health Center. All services are free as a courtesy of CBT College, and will be performed by our medical students. Some of the free medical screenings include:
-Cholesterol
-Glucose
-Blood Group
-Pregnancy Rapid Test
-Strep Throat Rapid Test
-Blood Pressure and Vital Signs
-Weight/Height and BMI
-Pulseoximetry
-Electrocardiogram/Spirometry
-Health and Nutrition Education
These great services will be appointment only. So, don't just show up and expect to be attended to at any time. Just like any medical facility, we will be conducting it by appointment. We are available for these appointments between the hours of 9:00 AM and 6:00 PM, Monday through Friday.
Please take advantage of this service. It is our way of giving back to the South Florida community, and providing a much needed service to those who aren't so lucky to have the means to pay for these tests whenever they want them. If you suspect that you may be pregnant, I strongly urge you to make an appointment and find out for sure. The number to call for an appointment is 305-273-4499 ext. 400
There are few things in life more important than our health, yet we always seem to neglect it. We fill ourselves with insane amounts of terrible food, alcohol, cigarettes, and drugs. We live increasingly sedentary lives. We rarely take vitamins, drink enough water, keep our cholesterol in check, or even sleep enough. If there is one thing we are constantly sacrificing, it's our health. We, who are young, get this idea in our head that tells us we are invincible! We start to believe we can fly around with a red cape,that we are faster than a speeding bullet, more powerful than a locomotive, able to leap tall buildings with a single bound, and have bullets bounce off our chest. What we don't actually realize is that in real life, just about everything can be that little green rock that causes us harm. Every time we puff that cigarette, skip the gym to watch the Biggest Loser (ironically), have one too many shots of tequila, or throw down six cheeseburgers in a single sitting, we are exposing ourselves to kryptonite.
You may find my Superman analogy a little childish (what can I say, we have been watching a lot of Lois and Clark: The New Adventures of Superman), but it holds true for most of us. I am not free from guilt in this. Is it odd to see me at Taco Bell, scarfing down a Mexican Pizza? Absolutely not! If it were possible, I'd have one every day. Do I ever exercise? Definitely not! Why? Simple: it's boring and feels like work. I like to do stuff that is fun, like play a video game, watch movies, design, and have awesomely long discussions. Maybe I should start taking my own advice, right? We should all start living a more health conscious life, and it can start today! So, get on it people!!!
-Danny
www.cbt.edu
www.cbt.edu/facebook
Thursday, August 26, 2010
Student Loans: A Necessary Evil or Just Evil….
In this day and age, we are being told to hold on to our monetary resources as much as possible. Don’t leave your jobs, don’t make any crazy purchases, and don’t spend any money whatsoever. It’s an odd thing, considering the insane buyer’s market we find ourselves in! So, do we take out that $200,000 dollar loan and buy a house because that house could potentially triple in value over the next 10 years? It is a considerable gamble, isn’t it? Making a huge investment, and not knowing for sure that it will pay off for you. The housing market is so fickle. It bends and breaks, then gets rebuilt again. Who knows what can happen. Will it get even worse before it gets better? Who knows! It’s possible your $200,000 dollar investment does pay off big time, and it’s also possible you buy the house and watch the value plummet even further. We can never say for sure. It is indeed a very dangerous and risky game. Does that mean you don’t play it?
To answer that question, I will pose another question: Since it is very possible you could end up broken hearted, do you take the risk of falling in love? There are many factors to consider, right? What if she cheats? What if she leaves me for another man? What if she is a serial killer who only kills serial killers? What if it just doesn’t work out and you end up a broken mess? It can turn out very badly for you! So, is it worth the risk? YES! When it’s bad, it’s bad...but when it’s right and it is real, it is the greatest thing humanly possible. Just about anything in this world that is worth having will require a risk. It has to be worth fighting for in order to be worth having. The same can be said of a house.
Don’t get me wrong, I’m not telling you to be irresponsible and purchase a home when you know your job isn’t stable. Just as with love, be responsible and be sure you are making the right choice. Don’t marry someone you can’t stand, or that you know isn’t right for you! Be responsible with your investments, whether it be love, a car, a boat, or a house. Make sure your investment pays off as well. If you buy a boat, use it! If you buy a house, take care of it, and update it so that the value will remain high.
What does any of this have to do with student loans? Well, I think you may have already guessed. Let’s go over a few things before I really delve into it. In this age, it is extremely rare to find a student who doesn’t need student loans. I’m not talking about your private college and university students either. I’m talking about your average FIU or FSU student! Consider that every year, FIU’s tuition goes up. Also consider that the family income level for Pell Grant recipients is not based on a state per state or a family per family basis. It’s a general figure for all states. So, if it’s $15,000 per household member, and you live in New York City, chances are you won’t get much in the way of federal grants. The days of fully covered college are all but gone. Next year, my wife will not qualify for Pell Grants because we make too much for our two person household. That means she will have to finish her last semester at FIU with a student loan. She also had to take out loans at Miami Dade College when she was an out of state student. Many factors will impact your aid, and your needs for student loans.
All that being said, let’s get right down to dispelling the old time notion that student loans are evil. At this point, they are a necessary evil for most students. Obviously, if you don’t need them, you shouldn’t take them. That would go against the whole “be responsible” thing I mentioned earlier. If you can afford to fund your college education through grants and scholarships, then that is great for you, and you should take advantage of that. If you don’t qualify for grants, or scholarships, does that mean you should forget about college and just try to get by for the rest of your life with bottom of the barrel jobs? By no means! If there is one risk, one investment you absolutely have to pursue in our world today, it’s that of a college education. Believe me, without it you will not reach your maximum potential in life. It will be very difficult to make a career for yourself. Forget about a job. A job is a place you go to get paid. Most people hate their “jobs”. You need to find a career; a position and a field that gets you excited and will allow you to wake up in the morning and be happy about what you are going to be doing for the next 8-9 hours.
Again, I have to stress the whole responsibility thing here. Be wise, and very careful as you select a major. Unless you are 100% planning on attending graduate school, find a major and a career field that you will not only enjoy, but that will provide you with opportunities and monetary success. No one wants to shell out $30,000 in student debt to be making $8.50 per hour. Pick the right career for you! Do some research, be informed, be prepared to work hard, and try as hard as possible to be certain you are entering the right field.
Finally, back to the subject of the loan….Student loans are not the same as auto, or home loans. If you fail to pay your home loan, they take the house away from you. The same is true of an auto loan, a motorcycle, or a boat. It’s not the same with a student loan. Why? Well, with a student loan, the bank can’t get anything in return for it. If you don’t pay that home loan, and they take it away from you, they can just sell it to someone else and at least recover some of the value. It’s not so with a student loan. They can’t take your Bachelor’s degree away from you and sell it to the highest bidder. You earned it, that title and degree belongs to you, regardless of who financed it. For this reason, lenders are very flexible and willing to work with you on payment schedules and deferment. Of course, you have to have good reason to have your loans deferred, such as loss of employment, low income, or continued education. They work with you, because it’s better to get paid less over a longer period, then to get nothing at all. You really have to work hard and avoid every possible avenue of communication in order to fall into default!
If getting student loans is the make or break decision for you in regards to a college education, take that risk, make that investment! Without a college education, chances are you will be stuck in dead end situation after dead end situation! Don’t limit yourself and your potential! As John Connor once said, “The future's not set. There's no fate but what we make for ourselves.”
To answer that question, I will pose another question: Since it is very possible you could end up broken hearted, do you take the risk of falling in love? There are many factors to consider, right? What if she cheats? What if she leaves me for another man? What if she is a serial killer who only kills serial killers? What if it just doesn’t work out and you end up a broken mess? It can turn out very badly for you! So, is it worth the risk? YES! When it’s bad, it’s bad...but when it’s right and it is real, it is the greatest thing humanly possible. Just about anything in this world that is worth having will require a risk. It has to be worth fighting for in order to be worth having. The same can be said of a house.
Don’t get me wrong, I’m not telling you to be irresponsible and purchase a home when you know your job isn’t stable. Just as with love, be responsible and be sure you are making the right choice. Don’t marry someone you can’t stand, or that you know isn’t right for you! Be responsible with your investments, whether it be love, a car, a boat, or a house. Make sure your investment pays off as well. If you buy a boat, use it! If you buy a house, take care of it, and update it so that the value will remain high.
What does any of this have to do with student loans? Well, I think you may have already guessed. Let’s go over a few things before I really delve into it. In this age, it is extremely rare to find a student who doesn’t need student loans. I’m not talking about your private college and university students either. I’m talking about your average FIU or FSU student! Consider that every year, FIU’s tuition goes up. Also consider that the family income level for Pell Grant recipients is not based on a state per state or a family per family basis. It’s a general figure for all states. So, if it’s $15,000 per household member, and you live in New York City, chances are you won’t get much in the way of federal grants. The days of fully covered college are all but gone. Next year, my wife will not qualify for Pell Grants because we make too much for our two person household. That means she will have to finish her last semester at FIU with a student loan. She also had to take out loans at Miami Dade College when she was an out of state student. Many factors will impact your aid, and your needs for student loans.
All that being said, let’s get right down to dispelling the old time notion that student loans are evil. At this point, they are a necessary evil for most students. Obviously, if you don’t need them, you shouldn’t take them. That would go against the whole “be responsible” thing I mentioned earlier. If you can afford to fund your college education through grants and scholarships, then that is great for you, and you should take advantage of that. If you don’t qualify for grants, or scholarships, does that mean you should forget about college and just try to get by for the rest of your life with bottom of the barrel jobs? By no means! If there is one risk, one investment you absolutely have to pursue in our world today, it’s that of a college education. Believe me, without it you will not reach your maximum potential in life. It will be very difficult to make a career for yourself. Forget about a job. A job is a place you go to get paid. Most people hate their “jobs”. You need to find a career; a position and a field that gets you excited and will allow you to wake up in the morning and be happy about what you are going to be doing for the next 8-9 hours.
Again, I have to stress the whole responsibility thing here. Be wise, and very careful as you select a major. Unless you are 100% planning on attending graduate school, find a major and a career field that you will not only enjoy, but that will provide you with opportunities and monetary success. No one wants to shell out $30,000 in student debt to be making $8.50 per hour. Pick the right career for you! Do some research, be informed, be prepared to work hard, and try as hard as possible to be certain you are entering the right field.
Finally, back to the subject of the loan….Student loans are not the same as auto, or home loans. If you fail to pay your home loan, they take the house away from you. The same is true of an auto loan, a motorcycle, or a boat. It’s not the same with a student loan. Why? Well, with a student loan, the bank can’t get anything in return for it. If you don’t pay that home loan, and they take it away from you, they can just sell it to someone else and at least recover some of the value. It’s not so with a student loan. They can’t take your Bachelor’s degree away from you and sell it to the highest bidder. You earned it, that title and degree belongs to you, regardless of who financed it. For this reason, lenders are very flexible and willing to work with you on payment schedules and deferment. Of course, you have to have good reason to have your loans deferred, such as loss of employment, low income, or continued education. They work with you, because it’s better to get paid less over a longer period, then to get nothing at all. You really have to work hard and avoid every possible avenue of communication in order to fall into default!
If getting student loans is the make or break decision for you in regards to a college education, take that risk, make that investment! Without a college education, chances are you will be stuck in dead end situation after dead end situation! Don’t limit yourself and your potential! As John Connor once said, “The future's not set. There's no fate but what we make for ourselves.”
Tuesday, August 24, 2010
Accouting: A Smart Choice?
Heck yes it is!
Employment of accountants and auditors is expected to grow faster than average for all occupations through the year 2014. An increase in the number of businesses, changing financial laws and regulations, and increased scrutiny of company finances will drive growth. In addition to openings resulting from growth, the need to replace accountants and auditors who retire or transfer to other occupations will produce numerous job openings in this large occupation.
As the economy grows, the number of business establishments will increase, requiring more accountants and auditors to set up books, prepare taxes, and provide management advice. As these businesses grow, the volume and complexity of information developed by accountants and auditors regarding costs, expenditures, and taxes will increase as well. An increased need for accountants and auditors will arise from changes in legislation related to taxes, financial reporting standards, business investments, mergers, and other financial events. The growth of international business also has led to more demand for accounting expertise and services related to international trade and accounting rules, as well as to international mergers and acquisitions. These trends should create more jobs for accountants and auditors.
As a result of accounting scandals at several large corporate companies, Congress passed legislation in an effort to curb corporate accounting fraud. This legislation requires public companies to maintain well-functioning internal controls to ensure the accuracy and reliability of their financial reporting. It also holds the company’s chief executive personally responsible for falsely reporting financial information.
These changes should lead to increased scrutiny of company finances and accounting procedures and should create opportunities for accountants and auditors, particularly CPAs, to audit financial records more thoroughly. In order to ensure that finances comply with the law before public accountants conduct audits, management accountants and internal auditors increasingly will be needed to discover and eliminate fraud. Also, in an effort to make government agencies more efficient and accountable, demand for government accountants should increase.
Increased awareness of financial crimes such as embezzlement, bribery, and securities fraud will increase the demand for forensic accountants, to detect illegal financial activity by individuals, companies, and organized crime rings. Computer technology has made these crimes easier to commit, and they are on the rise. At the same time, the development of new computer software and electronic surveillance technology has made tracking down financial criminals easier, thus increasing the ease with which, and likelihood that, forensic accountants will discover their crimes. As success rates of investigations grow, demand also will grow for forensic accountants.
The changing role of accountants and auditors also will spur job growth, although this growth will be limited as a result of financial scandals. In response to demand, some accountants were offering more financial management and consulting services as they assumed a greater advisory role and developed more sophisticated accounting systems. Because Federal legislation now prohibits accountants from providing nontraditional services to clients whose books they audit, opportunities for accountants to offer such services could be limited. However, accountants will still be able to advise on other financial matters for clients that are not publicly traded companies and for nonaudit clients, but growth in these areas will be slower than in the past. Also, due to the increasing popularity of tax preparation firms and computer software, accountants will shift away from tax preparation. As computer programs continue to simplify some accounting-related tasks, clerical staff will increasingly handle many routine calculations.
Overall, job opportunities for accountants and auditors should be favorable. After most States instituted the 150-hour rule for CPAs, enrollment in accounting programs declined; however, enrollment is slowly beginning to grow again as more students become attracted to the profession because of the attention from the accounting scandals. Those who earn a CPA should have excellent job prospects. However, many accounting graduates are instead pursuing other certifications, such as the CMA and CIA, so job prospects may not be as favorable in management accounting and internal auditing as in public accounting. Regardless of specialty, accountants and auditors who have earned professional recognition through certification or licensure should have the best job prospects. Applicants with a master’s degree in accounting, or a master’s degree in business administration with a concentration in accounting, also will have an advantage. In the aftermath of the accounting scandals, professional certification is even more important in order to ensure that accountants’ credentials and ethics are sound.
Proficiency in accounting and auditing computer software, or expertise in specialized areas such as international business, specific industries, or current legislation, may be helpful in landing certain accounting and auditing jobs. In addition, employers increasingly are seeking applicants with strong interpersonal and communication skills. Because many accountants work on teams with others from different backgrounds, they must be able to communicate accounting and financial information clearly and concisely. Regardless of one’s qualifications, however, competition will remain keen for the most prestigious jobs in major accounting and business firms.
Source: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook
Employment of accountants and auditors is expected to grow faster than average for all occupations through the year 2014. An increase in the number of businesses, changing financial laws and regulations, and increased scrutiny of company finances will drive growth. In addition to openings resulting from growth, the need to replace accountants and auditors who retire or transfer to other occupations will produce numerous job openings in this large occupation.
As the economy grows, the number of business establishments will increase, requiring more accountants and auditors to set up books, prepare taxes, and provide management advice. As these businesses grow, the volume and complexity of information developed by accountants and auditors regarding costs, expenditures, and taxes will increase as well. An increased need for accountants and auditors will arise from changes in legislation related to taxes, financial reporting standards, business investments, mergers, and other financial events. The growth of international business also has led to more demand for accounting expertise and services related to international trade and accounting rules, as well as to international mergers and acquisitions. These trends should create more jobs for accountants and auditors.
As a result of accounting scandals at several large corporate companies, Congress passed legislation in an effort to curb corporate accounting fraud. This legislation requires public companies to maintain well-functioning internal controls to ensure the accuracy and reliability of their financial reporting. It also holds the company’s chief executive personally responsible for falsely reporting financial information.
These changes should lead to increased scrutiny of company finances and accounting procedures and should create opportunities for accountants and auditors, particularly CPAs, to audit financial records more thoroughly. In order to ensure that finances comply with the law before public accountants conduct audits, management accountants and internal auditors increasingly will be needed to discover and eliminate fraud. Also, in an effort to make government agencies more efficient and accountable, demand for government accountants should increase.
Increased awareness of financial crimes such as embezzlement, bribery, and securities fraud will increase the demand for forensic accountants, to detect illegal financial activity by individuals, companies, and organized crime rings. Computer technology has made these crimes easier to commit, and they are on the rise. At the same time, the development of new computer software and electronic surveillance technology has made tracking down financial criminals easier, thus increasing the ease with which, and likelihood that, forensic accountants will discover their crimes. As success rates of investigations grow, demand also will grow for forensic accountants.
The changing role of accountants and auditors also will spur job growth, although this growth will be limited as a result of financial scandals. In response to demand, some accountants were offering more financial management and consulting services as they assumed a greater advisory role and developed more sophisticated accounting systems. Because Federal legislation now prohibits accountants from providing nontraditional services to clients whose books they audit, opportunities for accountants to offer such services could be limited. However, accountants will still be able to advise on other financial matters for clients that are not publicly traded companies and for nonaudit clients, but growth in these areas will be slower than in the past. Also, due to the increasing popularity of tax preparation firms and computer software, accountants will shift away from tax preparation. As computer programs continue to simplify some accounting-related tasks, clerical staff will increasingly handle many routine calculations.
Overall, job opportunities for accountants and auditors should be favorable. After most States instituted the 150-hour rule for CPAs, enrollment in accounting programs declined; however, enrollment is slowly beginning to grow again as more students become attracted to the profession because of the attention from the accounting scandals. Those who earn a CPA should have excellent job prospects. However, many accounting graduates are instead pursuing other certifications, such as the CMA and CIA, so job prospects may not be as favorable in management accounting and internal auditing as in public accounting. Regardless of specialty, accountants and auditors who have earned professional recognition through certification or licensure should have the best job prospects. Applicants with a master’s degree in accounting, or a master’s degree in business administration with a concentration in accounting, also will have an advantage. In the aftermath of the accounting scandals, professional certification is even more important in order to ensure that accountants’ credentials and ethics are sound.
Proficiency in accounting and auditing computer software, or expertise in specialized areas such as international business, specific industries, or current legislation, may be helpful in landing certain accounting and auditing jobs. In addition, employers increasingly are seeking applicants with strong interpersonal and communication skills. Because many accountants work on teams with others from different backgrounds, they must be able to communicate accounting and financial information clearly and concisely. Regardless of one’s qualifications, however, competition will remain keen for the most prestigious jobs in major accounting and business firms.
Source: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook
Monday, August 16, 2010
Why Should We Stay "Linked In"....
So, there are quite a lot of Social Media websites out there. What's the big deal with social media, right? I mean, we all know that social media is only good for talking to your friends, posting crazy pictures from Space, and Nikki Beach, and adding famous people like Kim Kardashian and LeBron James. It also makes my iPhone look cool when I have all these awesome apps! That's all social media is supposed to be used for, right? WRONG! It's about time we throw that kind of thinking out the door. Here are some facts for you, friends....
Over 96% of millennials have joined a Social Network.
Facebook tops Google for weekly traffic in the U.S.
Social Media has overtaken porn as the top activity on the web.
1 out of 8 married couples in the U.S. met via Social Media
It took 38 years for the radio to reach 50 million users...
13 years for TV....
4 years for the internet...
3 years for the iPod....
Facebook added over 200 MILLION users in less than 1 year!
iPod app downloads of Facebook hit 1 BILLION in 9 MONTHS!!!!!
If Facebook were a country, it would be the 3rd largest...
I realize I haven't given you much in the way of reasons why social media is more than just a friend adding and crazy picture posting machine.... SO here goes...
80% of companies use social media for recruitment, almost all of it through LINKED IN!
That's right, more and more companies in the U.S. are shying away from Craigslist, CareerBuilder and Monster. Barely any companies are using staffing agencies. No, no, no my friends, the best jobs are found on Linked In. Why? Because social media gives a company all the tools to truly know a potential employee. Linked In allows you to create a fully interactive resume, with recommendations letters and all! It allows you to network with major companies and connect with others who may be the doorway to your career! Linked In is a social network for professionals to make the connections needed for success in this, the Application Age. Find people you have met through professional settings, create a network of your coworkers, employers, and fellow professionals in your field of expertise. For those who are still college students, or even those who have never held a job, this site allows you to make the connections necessary to set yourself up for the career you want once you graduate. Finding a job in this economic climate is no easy task. Even less easy....is finding the job you actually want. Chances are you won't find it on Craigslist, CareerBuilder, Monster. Why? When you apply for a job or submit your resume through any of those sites, you are just one of possibly 500 other people. Not so with Linked In. On Linked In, it may be you and 19 others who are submitting their resume. There is a much higher probability that your resume will get noticed if you are applying with 20 people, as opposed to 100, 300, or 500, right? So, do yourself a favor, and get a Linked In people!
Now, here's the kicker....
While Linked In could be very beneficial to you in terms of your professional career, your other social media profiles will play a role in this as well. If you are on Linked In, chances are you can also be found Tweeting, and updating your status on Facebook. In the world we live in, nothing is private anymore. You can try to keep your professional life and your social life separate, but the internet has made that difficult. Lying on a resume is nearly impossible today, because employers can simply research you on Google, You Tube, and social media sites. So, your Linked In may paint a picture of you that your Facebook pictures at Mardi Gras completely discredit. In other words: Your Linked In may be writing a check that your Facebook can't cash. And believe me when I tell you this: If they received your resume on Linked In, they WILL research you on Facebook, MySpace, and Twitter. A potential employer doesn't want to see pictures of you fist pumping in the club. Employers like quality employees who will not embarrass their company, and social media is an easy way to make sure who you are hiring. Everyone knows people are mostly putting on a facade at their interviews, but social media usually tells them all they need to know about your character....so just be very careful what you put on the internet. Just like a tattoo, think clearly about your decision to brand yourself a certain way. People are watching!
-Danny
www.cbt.edu
www.cbt.edu/facebook
Over 96% of millennials have joined a Social Network.
Facebook tops Google for weekly traffic in the U.S.
Social Media has overtaken porn as the top activity on the web.
1 out of 8 married couples in the U.S. met via Social Media
It took 38 years for the radio to reach 50 million users...
13 years for TV....
4 years for the internet...
3 years for the iPod....
Facebook added over 200 MILLION users in less than 1 year!
iPod app downloads of Facebook hit 1 BILLION in 9 MONTHS!!!!!
If Facebook were a country, it would be the 3rd largest...
I realize I haven't given you much in the way of reasons why social media is more than just a friend adding and crazy picture posting machine.... SO here goes...
80% of companies use social media for recruitment, almost all of it through LINKED IN!
That's right, more and more companies in the U.S. are shying away from Craigslist, CareerBuilder and Monster. Barely any companies are using staffing agencies. No, no, no my friends, the best jobs are found on Linked In. Why? Because social media gives a company all the tools to truly know a potential employee. Linked In allows you to create a fully interactive resume, with recommendations letters and all! It allows you to network with major companies and connect with others who may be the doorway to your career! Linked In is a social network for professionals to make the connections needed for success in this, the Application Age. Find people you have met through professional settings, create a network of your coworkers, employers, and fellow professionals in your field of expertise. For those who are still college students, or even those who have never held a job, this site allows you to make the connections necessary to set yourself up for the career you want once you graduate. Finding a job in this economic climate is no easy task. Even less easy....is finding the job you actually want. Chances are you won't find it on Craigslist, CareerBuilder, Monster. Why? When you apply for a job or submit your resume through any of those sites, you are just one of possibly 500 other people. Not so with Linked In. On Linked In, it may be you and 19 others who are submitting their resume. There is a much higher probability that your resume will get noticed if you are applying with 20 people, as opposed to 100, 300, or 500, right? So, do yourself a favor, and get a Linked In people!
Now, here's the kicker....
While Linked In could be very beneficial to you in terms of your professional career, your other social media profiles will play a role in this as well. If you are on Linked In, chances are you can also be found Tweeting, and updating your status on Facebook. In the world we live in, nothing is private anymore. You can try to keep your professional life and your social life separate, but the internet has made that difficult. Lying on a resume is nearly impossible today, because employers can simply research you on Google, You Tube, and social media sites. So, your Linked In may paint a picture of you that your Facebook pictures at Mardi Gras completely discredit. In other words: Your Linked In may be writing a check that your Facebook can't cash. And believe me when I tell you this: If they received your resume on Linked In, they WILL research you on Facebook, MySpace, and Twitter. A potential employer doesn't want to see pictures of you fist pumping in the club. Employers like quality employees who will not embarrass their company, and social media is an easy way to make sure who you are hiring. Everyone knows people are mostly putting on a facade at their interviews, but social media usually tells them all they need to know about your character....so just be very careful what you put on the internet. Just like a tattoo, think clearly about your decision to brand yourself a certain way. People are watching!
-Danny
www.cbt.edu
www.cbt.edu/facebook
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