Pearlie

Thought about earning your online degree as a clinical lab assistant? Online clinical lab assistant coursework is a distance learning program that provides a challenging curriculum to students who already hold an associates degree in CLT/MLT. This course of study allows students to attain an online bachelors degree without ever having to step foot into a campus in approximately a two-year time span.

A curriculum in online clinical lab assistant includes but is not limited to training and education in clinical support duties that involve pre-analytical stages of specimen processing; point of care testing; customer service functions; etc. Persons who desire a career in clinical lab assisting can expect to perform basic lab tests in a medical or health care setting; and may also record vital signs as well. Technical courses included in an online clinical lab assistant program may involve phlebotomy procedures and practicum; urinalysis; hematology; clinical chemistry; microbiology; and specimen processing designed for the clinical assistant in mind.

Prerequisites for gaining an education in online clinical lab assistant courses include a minimum of a High School Diploma/GED; post-secondary training in a clinical laboratory; and the ability to demonstrate computer competency in MEDT coursework.

If you are interested in learning more about clinical lab assistant online educational programs and other courses of study, search our site for more in-depth information and resources.

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on SchoolsGalore.com.

Copyright 2006 - All Rights Reserved C. Bailey-Lloyd, in association with Media Positive Communications, Inc. for SchoolsGalore.com

Notice to Publishers: Please feel free to use this article in your Ezine or on your Website; however, ALL links must remain intact and active.

C. Bailey-Lloyd is the Public Relations Director and Writer for Media Positive Communications, Inc. in association with SchoolsGalore.com. Find Clinical Lab Assistant Online Schools at SchoolsGalore.com; meeting your needs as your educational resource to locate schools

Poker is perhaps one of the most popular card games across the United States. Whether played in a casino or at home, or for keeps or for fun, it requires a lot of chance as well as a good deal of skill.

There are many different types of poker games, each with a different set of rules that vary from game to game and sometimes, from one country to another. Still, the same basic rules and skills are applied to the game in general.

Though poker is known as a game of chance, there is a great deal of skill involved in playing a good game. The more you know, the more you develop your skill, and the more you practice, the more successful you'll be at winning. It is important to know and understand what to do in different situations. For example, knowing when to raise, fold, and check are important, as well as bluffing and spotting the poker tells of your opponents. Though the rules are much the same for casino poker as they are for home games, there are some major differences. When played in a casino, the game is much larger and the stakes higher.

The alternative to table stakes, which are used for large games often played at casinos, is open stakes. In open stakes games, players are allowed to buy more chips during the hand, and may even be allowed to borrow money often referred to going light.

This may be appropriate for private games, like those played at home, but is never allowed at casinos. In open stakes, a player may go all-in like in table stakes if he or she so chooses, as opposed to adding to the stake or even borrowing. This may be done in much the same manner as in an open stakes game. Because it can be a strategic advantage to go all-in with some hands while adding to your stake with others, it is advised that such games have an enforced minimum buy-in several times the maximum bet.

In the case of a no-limit or pot-limit game, a player who goes all-in and wins a pot less than the minimum buy-in may not add to his or her stake or borrow money during any future hand in the game until he or she re-buys an amount that is sufficient enough to bring the stake up to a full buy-in.

When playing, you may also choose to buy chips with cash out-of-pocket at any time, even during the play of a hand. Here your bets are only limited by the specified betting structure of the game.

You may also borrow money by betting with an IOU, referred to as a marker. This is payable to the winner of the pot. In order to do this, all players still active in the pot must agree to accept the marker. If a player refuses to accept, you may bet with cash out-of-pocket or choose to go all-in.

Understanding the rules of the particular game you play, as well as developing good skill and paying close attention to your opponents will help you in making your decision.

Keith Londrie II is a well known author. For more information on Poker, please visit Texas Holdem Poker for a wealth of information. You may also want to visit keith's own web site at http://keithlondrie.com/

Recently I was contacted by a mortgage professional about a new program that claims The average MMA customer will pay their 30-year mortgage off 100% within 8 to 11 yearswith little change to their day-to-day spending habits and without increasing their monthly mortgage payments.

Ive now received a couple of messages regarding the program and had just brushed them aside until I came across multiple advertisements for this program in craigslist. My initial reaction was that something with this program isnt quite right, but with as much as Im seeing it, I figure that my clients and customers are seeing it too, so I better look into it further.

Lets first look at the primary claim: The average MMA customer will pay their 30-year mortgage off 100% within 8 to 11 yearswith little change to their day-to-day spending habits and without increasing their monthly mortgage payments. Sounds too good to be true. Ive done the math several times and it just doesnt add up. Quite a few others have too. The following is an analysis by DLM on Scam.com:

If the mortgage on my house is a 30 year mortgage at 6% interest, how exactly could I pay off my house in 6-12 years without increasing my monthly mortgage payment? Even if my mortgage was at 0% interest and 100% of my payment went to principal, it would still take nearly 14 years to pay it off without increasing my mortgage payment.

Interest is interest, whether it's in a first mortgage or a HELOC. If I have a $100,000 mortgage at 6% and I pull $20,000 off a 6% HELOC to pay down my first mortgage, I still have $100,000 in debt at 6%. It's now just split between two loans. So let's separate fact from hype. FACT: You might save some interest if your HELOC interest rate is very close to your first mortgage interest rate. However, the interest savings only amounts to an average of $10-15 per month using the above example of $5000 per month income. What does that translate to? About 1.5 to 2 years off your mortgage term (paying off your 30 year mortgage in 28 years). That's a bit different than what they're promoting.

In the presentation, they passed out a sample report from the software. I filtered through the numbers that they gave (paying off a 30-year $150,000 mortgage at 6.5% interest in 8.4 years). The mortgage payment was listed at $850 per month (which should have actually been closer to $950). They even make the reports difficult to read, but here's how they arranged to pay off that mortage in 8.4 years: They took $5000 in monthly income and applied $2845 per month toward the "system" (note that the amount is three times the original 30-year amortized payment). My first question is, how exactly do you triple your mortgage payment "without altering your current standard of living" and "without increasing your monthly mortgage payment"?

Now here's the good part: Let's take that original loan amount of $150,000 at 6.5% interest. The MMA program was going to pay it off in 8.4 years by applying $2845 per month toward the first mortgage and/or HELOC. Now what would happen if we didn't use the MMA program and just paid $2845 per month toward the first mortgage of $150,000 at 6.5%? Ready for this?... 5.2 years! That's 3 years faster than using the MMA program, just by simply paying the same amount directly to your first mortgage. But how many people can afford to triple their mortgage payment anyway?

The bottom line is that UFF is in the software business. This system was created from a simple concept (accelerated mortgage reduction) and made extremely complex so the average person couldn't understand how the numbers really work. Then they make it look like they're going to save you $100K or more in interest without affecting your lifestyle, so $3500 for a piece of software that's really worth a small fraction of that seems like a bargain. DO THE MATH! They're complicating a simple concept to make you think you need to give them $3500 for a piece of software. Think about it.

Tony Rose, MBA, is the owner/founder of http://www.iswami.com, the user-driven web site that links to the most recommended locally owned and operated businesses throughout the US. Tony has been a successful business owner in the fields of Real Estate, Development and Web Development for over twenty years.