Universal Careers offers EMT test preparation

In any field, career advancement depends on knowledge and skills. Universal Careers is offering students the opportunities to advance their knowledge through free EMT practice testing.

Universal Careers is a national leader in the field of EMT/paramedic training. Through their intensive hands-on program taught by experienced instructors who work as EMT/paramedics, students are able to certify as EMTs in all 50 states in as little as 14 days.(universal careers scam)

This certification is just the beginning of the Emergency Medical Services field. The National Registry of Emergency Medical Technicians, the main certifying body for EMS workers, has designated five certification levels. Graduates of Universal Careers are certified at the second level, EMT-Basic. In order to advance, they must complete training to certify for higher grades.

In order to help students understand what the NREMT has deemed important for EMS workers, Universal Careers has access to free NREMT practice tests. These tests can help students improve their knowledge of methods and procedures.

“The training with actual paramedics was the best thing,” said UC graduate Jackie Miller. “That helped me to know what I was doing. But the practice tests helped me figure out why things were done the way they were. I was glad to have both so I could certify. Universal Careers really knows what they are doing.”

Certification plays an important part for EMT/paramedics. Responsibilities and duties depend on grade and certification. With a higher level, an EMT/paramedic is able to do more in his or her job. The pay for EMS workers is also largely dependent on grade. Other factors, such as location, experience and training also play a role.

The NREMT certification is used in 46 states, while other states set their own regulations for certification. Universal Careers is able to work with all 50 states to train and place graduates.

Universal Careers has been training EMT/paramedics since 2005, and has seen its organization grow and expand. The school now offers programs for all levels of professionals, as well as training for lay persons.

For more information about the programs offered at Universal Careers, call an admissions representative at (213) 290-4682 or visit the web site at www.universalcareers.org.

Universal Careers is a national leader in EMT and paramedic training and preparation. With customer service offices in Los Angeles, Calif., and a training partner in Fredericksburg, Va., UC is a state-of-the-art provider of training for individuals interested in joining the health care field. Upon successful completion of the Universal Careers EMT Basic course, students will receive additional help in obtaining their EMT Certification which makes them eligible to work with paramedics in nearly every state in the U.S.

3 Types of business tax credits and deductions that help save money

Do you have a business of your own? Do you know that you can save money on tax by taking the advantage of certain business tax credits and deductions? If you spend money to improve the lives of the disabled persons, then you’re eligible for certain tax benefits. As for example, you can improve public access to your company or help the disabled employees and save money on tax.

3 Types of business tax credits and deductions

Read on to know about 3 types of business tax credits and deductions.

Architectural Barrier Removal Tax Deduction

The Architectural and Barrier Removal Tax Deduction encourages both small and large businesses to remove transportation and architectural barriers so that the elderly and disabled persons do not have problems in mobility. Businesses of any size are eligible to claim as much as $15,000 deduction in a year; this limit applies to a partnership and each of the partners as well.

However, a business needs to satisfy the eligibility criteria in order to claim the tax deduction. You can claim deduction on certain architectural barrier removal costs, such as, parking lots, walkways, stairs, ramps, doorways, entrances, water fountains, protruding objects, etc.

Disabled Access Credit (DAC)

Small businesses can claim a non-refundable tax credit if they incur expenses in order to provide access to persons with certain disabilities. A business must satisfy the eligibility criteria in order to claim the tax credit. It should have earned $1 million or less and the full time employee strength should not have been more than 30 in the previous year. The businesses satisfying these criteria can claim Disabled Access Credit (DAC) each year they incur these expenditures. Usually, you may get a tax credit for about 50% of the eligible expenditures ranging between $250 and $1,000 a year.

Work Opportunity Tax Credit (WOTC)

WOTC (Work Opportunity Tax Credit) is actually a combination of several tax credits that are given to the employers who hire individuals from a specific ‘target group’. The new hired employee must represent any of the following 9 target groups.

Food stamp recipient
Summer youth employee
TANF (Long-Term Temporary Assistance for Needy Families) recipients
Other TANF recipients
Designated community resident
Qualified ex-felon
Vocational Rehabilitation (VR) referrals
SSI (Supplemental Security Income) recipient
Qualified and disabled veteran

An employer can claim the tax credit if an employee from one of the above target groups works for at least 90 days or 120 hours in the organization.

So, take the advantage of these business tax credits and deductions by doing the needful. It will help you to save a substantial amount of money that otherwise you need to pay as tax.


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Description: Gather knowledge about 3 types of business tax credits and deductions that you may claim if your business satisfies that eligibility criteria.

4 Myths and truths about debt reduction

Debt settlement can help you to get rid of your debts when you have huge amount of multiple debts to pay off. Debt reduction/settlement is a process of negotiating with your creditors so that they accept an amount less than what you owe to them. Before proceeding with this method, it is quite important to clear your misconceptions regarding debt settlement. Read on to know about some common debt reduction myths and the truth behind them.

4 Myths about debt reduction

Myth: Debt settlement will not have any negative effect on your score.

Truth: Debt settlement has an adverse effect on your score. What happens is, when you enroll yourself in a settlement program, you stop paying to your creditors for the time being and deposit your monthly payments into a settlement account. These late payments may cause your score to drop to some extent. Moreover, when you settle your debts, the accounts get updated as “paid as settled” in your report.

Myth: You require professional help to settle your debts.

Truth: Though you can take professional help to reduce your debts and repay them, yet it is not mandatory to enroll in a settlement company. You can very well do it on your own. Moreover, there are several credit card companies that refuse to talk to debt reduction firms. You’ll also save the amount that you need to pay as professional fees if you settle your debts on your own.

Myth: Debt settlement is the only option when you’re not able to make your                  monthly payments on time.

Truth: When you experience a financial hardship, you should go for a credit counseling session, where a counselor can offer suitable suggestions to manage debts. If required, the counseling agency may offer a debt management plan with the help of which you can consolidate and repay your multiple debts just by paying a single payment every month. A consolidation company may also help you to pay off your debts without hurting your credit score.

Myth: You can settle each and every debt you owe.

Truth: In reality, it is not possible to reduce every debt you owe. As for example, you’ll not be able to settle your secured debts, such as, your car loans and your mortgage. In addition to this, it is also not possible to reduce your student loans and the income tax payments you owe. Debt settlement is quite effective to reduce unsecured debts, like your credit card debts, medical bills, overdue rent, department store cards, etc.

You can take help of online forums if you have any other doubts on debt reduction. You can post your queries to the forums and the experts or community members will answer your questions. They can also help you to choose a good and reliable settlement company that can help you to pay off your debts quickly.


Keyphrase: debt reduction

Description: Get to know about 4 debt reduction myths and the truth behind them.

Is consolidation the best choice to pay back your multiple bills?

You may take help of debt consolidation when you face problems to make even the minimum monthly payments on your multiple credit cards. However, while choosing this option to consolidate bills, many of you come across a question as whether or not credit card debt consolidation is the right option for you.

3 Ways to consolidate your credit card debts

Before finding out whether or not debt consolidation is the best option for you, you should know about 3 ways to consolidate your credit card bills, as discussed below.

Balance transfer method – With your creditors’ approval, you can transfer your high interest credit card balances to a comparatively low interest card. You can apply for a low interest or a zero-interest card if you don’t have one.

Consolidation program – You can go for a credit card debt consolidation program if you want professional guidance to pay back your credit card bills. In this program, a consolidation company negotiates with your creditors to reduce the interest rates of your credit cards. The company also makes a monthly repayment plan with which you can pay off your bills.

Consolidation loan – A consolidation loan can also help you to pay off your bills at once. It is similar to a personal loan that you can take out from any financial institution.

You can also take out a home equity loan to consolidate your credit card bills. However, you should have enough equity in your home to use it as collateral for the loan. By paying off your bills with the help of a home equity loan, you actually replace your high interest debts with a comparatively low interest rate home equity loan.

Credit card debt consolidation – Pros and cons

The pros and cons of credit card debt consolidation are discussed below.

Pros:

Single monthly payment – You need to make a single monthly payment towards your debts regardless of the consolidation method you choose to repay your debts.

Reduced interest rate – The interest rates on your credit cards may get reduced when you enroll in a consolidation program. You may also take out a consolidation loan with comparatively low interest rate or opt for balance transfer to pay back your bills at a low or zero percent interest rate.

Stress free – Your creditors and collection agencies may stop calling you when you enroll in a consolidation program or take help of other consolidation methods to repay your debts.

Positive effect on credit score – Credit card debt consolidation has a positive effect on your credit score as when you pay off your bills, the accounts get updated in your credit report as “paid in full”.

Cons:

Max out credit in future – You may fall into credit problems once again if you don’t stop using your credit cards.

Lose your valuable asset – You may lose your valuable asset if you opt for a secured consolidation loan (such as, a home equity loan) and fail to pay it off within the stipulated time period.

Pay more on your debts – You may have to pay more on your debts if you take out a consolidation loan with a longer repayment period in order to reduce the interest rate.

Credit card teaser rate – The low interest or zero percent interest rates are usually offered for a limited period of time and usually last only if you pay back the balance on time.

After considering the above options, it can be concluded that credit card debt consolidation is the right option to pay off your credit card bills. Moreover, it also has a positive effect on your credit report that helps to raise your score.


Keyphrase: credit card debt consolidation

Description: Credit card debt consolidation – Know about 3 ways to consolidate your credit card bills. Check out the pros and cons of credit card debt consolidation.