According to those that watch the academic employment landscape for changes that impact the livelihoods of post-secondary educators, the increase in the number of part-time college and university instructors started climbing about a decade ago and hasn’t stopped yet. This reconfiguration of the status of academic labor has caused a great deal of financial hardship for aspiring faculty members thinking that a tenured position is available through hard work and dedication to teaching as a career. Unfortunately, the dream of a lifelong academic position accompanied by regular salary increases, budgets for research and growing perks such as defined benefits retirement packages and group medical plan rates with a four-year college or university is rapidly becoming an antique idea for the vast majority of academics.As unnerving as all of these changes can be to anyone wanting to teach for a living or still trying to teach for a living on a physical campus, the reality is that the individual college instructor can take steps to adjust to the new academic landscape that is appearing on the Internet. However, some serious analysis is required in order to actually understand how much the new academic employment paradigm requires of educators in terms of accommodation. That is, there are certain concessions that a prospective online adjunct instructor must make in order to actually prosper as an online college teacher, and it must be understood that online teaching is no longer an option for the career-minded academic.While earning a Ph.D. or master’s degree is certainly an exhilarating experience primarily because it validates the individual’s perception of intellectual soundness, the usual next step in the academic process, which almost always involves so attempt to teach college students for a living, often deflates the dream of a fully compensated life as a tenured university or college professor as the claws of reality take hold and the economic pain starts in earnest. The danger here is the development of what psychologists refer to as cognitive dissonance. That is, the harsh professional circumstances are so far removed from the dream that the urge to gravitate to the traditional campus, which is literally bankrupt in a financial sense, soon reveals that there is no real income to be made in the physical classroom anymore, so the adjunct college instructor tries even harder to force income out of the situation which simply cannot supply the necessary remuneration to pay back student loans and finance a decent lifestyle and ultimately experiences a sort of dislocation in thinking about teaching as a career. The cure for this dislocation caused by the intractable distance between dream and reality is to take a sharply focused look at the numerous online degree programs and to realign the dream of teaching for a living with their presence.It is extremely difficult today for a traditional adjunct instructor to earn a living wage at a physical college or campus because college and university administrators discovered ten or twelve years ago that the academic labor pool was filled to bursting with educationally qualified individuals who would willing teach in a physical college classroom for practically pennies a day on an adjunct instructor basis because they had the hope that doing so would lead to the coveted tenured positions and all the wonderful benefits associated with it.Unfortunately, that plan of academic action was doomed to failure because after a college teacher has taught as an adjunct instructor for any length of time at all any attempts to secure a tenure track position would be doomed from the outset. Basically, teaching college students for more than one or two semesters in as an adjunct college instructor marked the intellectual as an academic untouchable. However, online bachelor degree programs and online master degree programs have changed this situation for the better and allow the person with an earned graduate degree to become a college teaching legend with online faculty openings.There is virtually no limit how many online college classes an accomplished online adjunct instructor can teach at one time provided there is a mastery of time management techniques and computer skills necessary for the smooth movement between various accredited online college degree programs. In addition, the academic marketplace is ballooning with new and returning college students who are more than willing to use their personal computers at home and at work to earn an online masters degree in education, an online finance degree or any of several online degrees for military studies. As more college students choose to enroll in online degree programs, the more online college classes there will be that need a qualified academic instructor. The traditional post-secondary academic institutions, state colleges, four-year state universities and community colleges, are envious of the financial and academic successes enjoyed over the last decade by for profit colleges that offer the bachelor degree online and the online master degree and they have every intention to emulate it.This proliferation of online degree programs on the part of physical colleges and universities ultimately means that these academic institutions will offer more opportunities to teach online full time than even the for-profit colleges, and it is literally possible for a person with an earned graduate degree to acquire a full online teaching schedule that will easily generate a comfortable living. While teaching online for three or four online college degree programs that offer college students the online bachelor degree and the online master degree, it is possible for a person with an earned graduate degree to teach for a real living, overcome cognitive dissonance generated by the changing academic employment model and become an academic legend with online faculty openings.

Of all the financing options available to you when starting your first business, the SBA (Small Business Administration) 7(a) loan program is one of the best. The SBA 7(a) loan program focuses on providing small business owners with assistance when they are seeking bank financing.Bank financing is one of the best forms of start-up financing available if you can get it. I highly recommend checking out the 7(a) loan program when looking for money to start your business for 2 reasons:
It’s cheaper than almost all other options
It’s one of the least restrictive forms of financing as the bank won’t tell you how to run your business.The 7(a) loan program works like this:
You head into your bank to apply for a loan to start your business.
You ask for or your banker recommends a SBA 7(a) loan.
You complete a 7(a) application and provide a Business Plan.
The bank underwrites your application and Business Plan to determine if you’re eligible for start-up financing under SBA guidelines.
If you’re approved then you’re bank gets a guarantee on the loan from the SBA. The SBA will guarantee up to 85% of a loan $150,000 or less.
To obtain the guarantee the bank has to adhere to SBA guidelines, so loan terms are longer, interest rates are lower than they otherwise would be, and it’s OK if you’ve never been in business before.
End Result: You’re happy because you get a loan to start your business and the bank’s happy because 85% of the loan amount is guaranteed, which greatly reduces the bank’s risk.There are a few additional things you want to keep in mind:
This type of financing has the highest approval rate when used for start-up businesses who need $150,000 or less (If you’re planning on buying a business you can go up to $250,000 and maintain a high approval rate).
You will need a strong business plan, income/expense projections, business experience, cash, and good credit to get approved.
Plan on 4-7 weeks from the time you start the application to the time you receive loan funds.
If you have credit scores less than 600 or a bankruptcy within the last 7 years you’ll need to find another way to finance your business.In short, the SBA 7(a) loan program is ideal for the first time business owner looking to borrow money to start a small business. If this is what you’re looking to do you can find out more information at http://7asecret.com.

The fashion industry sets the trends not only for clothing and accessories but also for the way in which people and women, in particular, should look. The skinny models have been fashion icons since the early 1990′s and this has had a major impact on girls and young women. The most recent health news is that such models have been banned from working in the fashion industry in Israel and many other countries are expected to follow. What has led to this?From 2013, all models that have body mass index (BMI) below 18.5 will not be allowed to work in Israel. The health news websites reveal that the country’s government has imposed this law as part of a more extensive campaign against eating disorders. This is the first country in the world which imposes such strict regulations.The fashion industry has already made attempts to do so too. Skinny models are not allowed to appear at shows during the Madrid Fashion Week and the Milan Fashion Week. Influential organizations such as the Council of Fashion Designers of America and magazines like Vogue and Elle have also started campaigns for promoting “healthy bodies” in the fashion world.The campaign against skinny models is gaining massive proportions around the world. It was started in the second half of the 2000′s after the fashion news became filled with reports of models dying from anorexia. In addition, the health news revealed that the number of people suffering from anorexia and bulimia (the two most dangerous eating disorders) reached nearly 24 million in the US alone.Anorexia and bulimia are eating disorders but they fall in the spectrum of mental disorders. The sufferers adopt unhealthy eating habits because they have an uncontrolled fear of gaining weight and because they see themselves as overweight no matter how thin they become. It has been determined that these eating disorders are a direct result of the psychological pressure exerted on young women to be thin. Since the fashion industry determines what is beautiful and what is not and skinny models rule the scene, it is natural for the pressure on women of all ages and socioeconomic backgrounds to be huge.It is thought that with the banning of skinny models from fashion show, there will be less pressure on women to be thin and they will be better stimulated to have a healthy weight and to adopt a healthy lifestyle. Unfortunately, many expects have commented in the health news that this measure may not have a large-scale effect. This is because there is still huge pressure exercised on models to be thin by different people in the industry. Furthermore, the stores are flooded with designer clothes of tiny sizes.What can you do to stay healthy and fit? Pay more attention to the health news than to the fashion news.