Universal Careers to hold job seminar

Jobs for Emergency Medical Technicians and paramedics are in demand, and the demand is expected to increase. The Bureau of Labor Statistics predicts that the field will grow by 9% over the next decade.

Universal Careers, a leader in EMT/paramedic training, is offering a seminar in January 2011 to help answer questions from those interested in the health care field.

The seminar is intended to help potential students and Emergency Services workers assess what will be expected of them and what they can look forward to as they train for employment as an EMT/paramedic.

“A lot of people are interested in joining the Emergency Medical Services field,” said Jack Peterson, career development for UC. “But some people may not be willing to act because they have questions about whether the field is right for them, or vice versa. Universal Careers wants to help them understand what the field is all about.”

Since its inception in 2005, Universal Careers has become a leader in training EMT/paramedics. With its training partner in Fredericksburg, Va., UC offers its students intensive courses taught by professionals who work in the EMT/paramedic field.

The school also provides its graduates with assistance to not only certify for all 50 states but also to find employment in private or public sector jobs.

There are currently more than 210,000 EMT/paramedics in the United States working in hospitals, fire departments and private facilities. The field provides first line assistance to persons in an emergency. EMS workers are often the difference between life and death for many people.

For more information regarding the seminar, or to talk to an admissions representative, call (213) 290-4682 (universal careers complaints )or visit the web site at www.universalcareers.org for more information.

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 every state in the U.S.

How can you overcome too much credit card debt?

Description: Get to know how you can overpower a huge debt burden arising from your credit cards by applying certain proven techniques.

Too much credit card debt can create a lot of problems to you. When it is called as “too much”, the sense might vary and it’s dependent on the amount of credit card debts and monthly income. Credit card debt is usually regarded as excessive when it’s higher than 50% of your overall credit limit. If you’re carrying a balance for over 6 months and didn’t make any payment to pay down the principal, it is also considered as excessive credit card debt. Only you can understand when your credit card debts are getting beyond control. It’s always difficult to recover from such a situation. The most effective technique to save yourself from debt is to use established strategies to handle your debts and expenses:

Handle your credit limits carefully

At present, banks have become stringent regarding credit limits. If you have a good credit score, you might qualify for a big credit limit. However, you must not accept it. If you think you might spend excessively, mention the highest limit you would prefer on your card. You can restrict your spending to $1,500 by making $1,500 the credit limit on your card. However, to maintain a good credit score, you mustn’t carry a balance of over 30% of your credit limit.

Cut down the number of cards  

Don’t request for too many cards. This might put you into a very big debt trap. Nowadays, each grocery store, departmental store and airline offers a credit card. This doesn’t imply you’d go for all of them. Select your cards based on the services that you feel are essential for you. Take into account the pros and cons of using a store card instead of your usual bank card. You should only request for a card if the advantages are substantial and affordably achievable.

Make a budget and commit to that   

Regulating your spending is also a proven technique to tackle credit card debts. A good guideline for budgeting is to begin with your monthly income after taxes. Divide it by two. Deduct your rent or mortgage, utilities, car payment and any other fixed expenses like child support or student loans. How much is remaining? This is the figure you can afford every month to pay down your debts. Control your debt so that the payments can be financed with this amount. Take down this budget. Discuss about it with your close friend or a family member. Surveys demonstrate that through writing your budget and discussing it with others you would become more responsible.  

Look for debt management solutions

If you have too much debt, you might need to look for solutions to manage it properly. These might include debt management or consolidation. These solutions can simplify your budget so that you can get back on track.

Once you pay off your loan obligations, use the above techniques to prevent becoming indebted once again in future.      

The process of debt consolidation: How does it work?

Description: Know how the process of debt consolidation works so that you can do it more efficiently.

Many people don’t understand how the process of debt consolidation works. Whether you want to go for debt consolidation or not, it is essential that you know this process.

On certain occasions, knowing how the procedure works might motivate some individuals to enroll for a debt consolidation program. The idea is to better their financial condition and lead a debt-free life.

When you understand the process of debt consolidation, it would become simpler to perform debt consolidation and get out of debt for good.

The first thing in the procedure of debt consolidation is that you contact a consolidation company and talk about your present condition with them. They would evaluate your finances and take into account all your monthly loan obligations and suggest what options you have and how they can assist you to make the most of those options.

If they feel that you qualify for a bill consolidation program, then they would work with you and design a program that is particularly tailored to fit your condition. Subsequently, the consolidation professional would put the program into operation.

Most of the time, the preferred financial option for consolidating your bills is a bill consolidation loan. It is simpler for people to understand the terms and conditions of a loan. Consolidation programs are also available where you need not take out a loan.

The consolidation professional would negotiate with your creditors to reduce your interest rates. As a result of this negotiation, your monthly payments also get reduced. All your high-interest unsecured debts are combined into one affordable monthly payment. The consolidator pays off all your creditors on your behalf. You just need to make this reasonable monthly payment to the consolidator and the consolidator distributes this payment among your creditors. This is under a consolidation program. You can also take out a loan the amount of which is equal to the aggregate of all your outstanding balances, pay off your balances and make a small manageable payment to the lender each month to pay off the loan. In this way, you can better your credit and save both time and money while getting out of the vicious debt trap.         

Can you eliminate debt without hurting your credit score?

Description: Debt consolidation can help you get rid of your debts without spoiling your credit score.

People who have run up a huge amount of unsecured debt frequently face difficulties to keep up with their minimum payments because of high interest rates. They desperately look for solutions to eliminate debt and get their life back on track. When debtors make late payments or miss a payment, their credit history becomes blemished.

When you have a number of loan obligations like personal loans, credit cards, car payments and others, it’s hard to tackle with all your payments. Furthermore, if you’re undergoing a financial hardship, it’s quite probable that your credit history would be spoiled. This means it would become tougher for you to qualify for new credit in the future.      

Can you eliminate debt without damaging your credit score? Yes, you can. You can get rid of all your unsecured debts through debt consolidation. For many consumers who were overwhelmed with their debt burden, debt consolidation worked as a viable solution. A lot of companies across the country are offering consolidation services with the objective of helping people eliminate debt and solving their debt problems.

Besides reduced monthly payments, one of the principal reasons why people opt for debt consolidation is betterment of their credit history. When your credit history is improved, it raises your trustworthiness as a borrower and also enhances your probabilities to qualify for credit in the future.

Benefits of debt consolidation

Consolidation offers a number of benefits to the consumers like the following:

Reduced monthly payments         
Fixed interest rates throughout the repayment term
Affordable interest rates
Betterment of credit history

When you make consolidated payments for your balances due, it has a positive impact on your credit history for a variety of reasons. The initial and instant positive outcome is that you’re paying off your principal entirely. There are other positive outcomes in the long run if you sincerely keep on making the consolidated payments for two years as a minimum.

Tips to consolidate your debts without damaging your credit

You can become debt free without spoiling your credit through debt consolidation. However, there are some useful advices that you should always keep in mind. Always try to choose a company wisely. Only look for reputable companies. If needed, talk to family members or friends who have benefited from consolidation and have been successful to boost their credit. Don’t miss a payment while undergoing a consolidation program since it would push you back to square one.