Saturday, June 26, 2010

CPA CPE - Continuing Professional Education For Accounting

In any professional career, continuing education can prove to be a necessary part of the successful career ladder. If you are in the accounting business, you'll need to seek out CPA CPE courses on a regular basis to keep your accounting skills in tip top shape. There are many online programs and training centers that will allow you to take the courses that you need and get on with your career, and some employers will even pay for these courses if you are an asset to their company. Finding the right CPA CPE courses will depend on your original certification and any specialty areas that you have training in. you need to follow the regulations of the AICPA to make sure that you're in compliance with proper licensure and updated training at all times.

The rules for CPA CPE are different from every state, so you will need to review your state's specific requirements for getting the CPE training that you need.

There isn't really a right or wrong place to find the courses that you want to take, as long as you take the time to ensure that you are in fact taking the right courses. Keep in mind that you should check with your employer before signing up for these courses, because they might already have plans made for you to further your education and get the credits that you need in continuing education to maintain your CPA certification.

As a general rule, it is best to get all CPA CPE done as soon as possible within each renewal term. That way, you're not pushing it down to the wire and waiting until the last minute to get the education that you need. Being prepared is key when it comes to continuing education, because missing credits can result in license suspension and revocation in some cases, which is never a good thing.

Make sure that you take the time to get in your CPE requirements before they are do so that you don't wind up in this position.

Find a program that is reputable and offers the right CPA CPE courses for your specific needs, no matter what program that might be. Some people like the convenience of online programs and others prefer the seminars or traditional classrooms for their continuing education. You'll need to choose what works best for you to make the most of your CPA CPE courses.

Sunday, June 20, 2010

Insurance Continuing Education - Sales Practices For Annuities

It would be nice if there were no such thing as an "unethical" agent, but unfortunately this is not the case. Therefore, regulations are in force to correct the practices that cause irreparable harm to our industry and to our profession. The most often targeted of our population by these miscreants are the elderly for a variety of reasons. Fortunately the Departments of Insurance and legislatures - locally, state and federal - have created special types of regulation protection these citizens, and this is true in the field of annuity sales. There is a chapter of this text dedicated to the problems of the senior citizens with discussions of appropriate regulations and penalties for those who ignore or disregard these regulations. This section discusses the sales practices of agents marketing annuities to anyone regardless of age, recognizing that some of this will be repeated in the later discussion of marketing to the seniors.


For the purpose of this discussion and regulations, "advertising" applies not only to "ads" (which actually is an abbreviation for advertisement...).

brochures, newspaper and other media articles, television and radio advertising - but primarily printed material. Envelopes, stationery, business cards and any other material that is used by an agent or insurer that are designed to describe the insurance product and to attempt to encourage a purchase of the insurance product - annuity for this discussion.

Simply put, the regulations89 are intended to insure that the insurers and agents treat their clients honestly and openly. Therefore, any advertising must not mislead those who read it and act upon the information contained in the material (with special obligations to seniors, discussed later).

Advertising is also the material that is used to generate leads through reader response, generally followed by an agent calling.

It can advertise a meeting or seminar at which information is provided (also covered in detail in a separate section), or simply advertising the product of the insurer. If the advertisement is directed towards those age 65 or older, if the advertisement is used for leads, the advertiser must disclose in the advertisement that an agent may contact the person - if this is intended.

If the name of the prospect is obtained from a lead source, the source must be disclosed to those over age 65.

Even though it is in nearly all agent's contracts, it does not hurt to point out that the insurance company must give an agent permission in writing before the agent can advertise the product.


Agents and others who market financial products, attempt to obtain new clients by holding seminars, classes or information meetings. This is particular applicable in the Senior market, and is so discussed later in the text. Basically, the regulations require that for such a meeting to be advertised (to any age) that the advertiser must disclose their intention by adding "and insurance sales presentation" immediately following the words "seminar," "class," or "informational meeting."


Marketing of annuities to those over age 65 have stricter prohibitions, and are so set forth in the chapter "Providing Annuities to the Senior Market."


Any person or business in violation of the advertising regulations is subject to a stiff fine levied by the Insurance Commissioner. The fine for the first offense is 0, for the second offense it goes to 0, and for the third and later offenses, ,000. The maximum fine for any one violation is ,000. And if you are interested, the money goes into the Insurance Fund.63C

Saturday, June 12, 2010

Online Nursing Continuing Education Courses and Certification

Online nursing courses and programs have many advantages over campus-based programs. With flexible schedules and ongoing start times, online education caters to busy people who have jobs and family or other responsibilities.

As an online student you can study whenever you want and get the same quality education as classroom students while enjoying the comfort and convenience of your home or office. Online nursing programs that have clinical requirements even allow students to satisfy those requirements in their own communities. Program may even give you credit for prior coursework, military service, or work experience.

In quality online nursing continuing education courses the faculty not only teach the courses, they also provide one-to-one mentoring of the students. Online chat rooms give students the opportunity to discuss course content. Online resource boards and online healthcare-related resource centers facilitate research and study. Online study affords students as rich a learning experience as does classroom study.

Choosing a Program

When choosing a school for nursing continuing education courses look for schools that provide the education you need for the career you want. Give preference to programs that prepare you for certification and/or licensing as needed for your work. Make sure your school of choice is accredited. Ask potential employers if they will accept training from that program.

You may qualify for financial aid (loans, grants, and/or scholarships). Schools may offer financial aid themselves, or you may apply for aid from external sources. Ask the schools you are considering if they know of any financial aid for their courses. Go to government agencies, professional associations, and nurses' or healthcare workers' unions to ask about financial aid options.

Nursing Specialties

Once you have your bachelor of science in nursing (BSN) you can continue your studies to earn national certification in nursing specialties. These specialties include holistic healthcare practice, legal nurse consultant, forensic nursing, nurse practitioner, nurse anesthetist, nursing case management, stress management, and many others.

Nursing Salaries

The shortage of nurses in the United States means that nurses, especially registered nurses, are in very high demand. Your salary will depend on your education and experience, your area of nursing, the employer, and the location of the employer.

Registered nurses average about ,000 more per year than licensed practical nurses. Even among registered nurses salaries vary. Critical care and operating room nurses, for example, usually earn more than medicine/surgery or emergency room nurseries.

According to the U.S. Bureau of Labor Statistics (BLS), in 2007 California had the highest median salary for registered nurses (,550), followed Massachusetts (,940), Hawaii (,220), New Jersey (,900), and Maryland (,480). If you become certified in a nursing specialty your salary will average nearly ,000 more per year than a nurse who is not certified in a nursing specialty. BLS expects that the need for nurses will continue to grow over the next five years, at least.

Nursing continuing education can help you reach your professional goals by preparing and certifying you for higher level nursing work.

Thursday, June 3, 2010

Insurance Continuing Education - Cancelling a Flood Insurance Policy

The cancellation or nullification of Flood Insurance Policy procedures can be found in detail at  -  and it contains some10 pages of detail.  This discussion does not cover all of the intricacies and details contained in the manual, but should give the agent guidance on what canceling or nullifying a policy can entail, what is needed, and how it can be explained to the client.


Refunds will be made by the insurance company for the current and one prior year.  If refund is requested for a period of more than 2 years, then the NFIP must process the request.  The request must consist of a policy cancellation request and the premium refund calculation for each year.  (A copy of the cancellation request form follows.)  The insurer must also include statistical records for each policy term and evidence of premium having been received—accounting details which should be expected.


Current Policy Number: In the upper right-hand corner of the form, enter the NFIP policy number.

Policy Term: Enter the policy term and the cancellation effective date.

Agent Information: Enter the complete name, mailing address, phone number and fax number of the agent/producer.

Insured Mail Address: Enter complete name, mailing address and phone number of the insured.  If insured has moved, enter the new mailing address.

First Mortgage: Enter the complete name, mailing address, phone number and fax number of the first mortgagee.

Other Parties Notified: Enter the complete name, mailing address of all other interested parties that should be notified, such as an additional insured, second mortgagee, loss payee, trustee, or disaster assistance agency.

Property Location: Enter the location of the insured property.

Cancellation Reason Code: Check the reason for cancellation of the policy and provide any additional information required.  (A list of cancellation codes follows.)

Refund: Check the appropriate box to indicate to whom the refund is to be made payable.

When the cancellation/nullification notice has been received and if it directs the NFIP to make a premium refund to the PAYOR, and the policy has been endorsed showing the PAYOR as a WYO company or agency, then

F the NFIP will make the refund payable to the insured and mail the refund in care of the producer.

Check the appropriate box to indicate to whom the refund should be mailed.

Signature: The insured must sign and date the Cancellation/Nullification Request Form for all cancellation reason codes except for 5 and 6.  The producer must sign, date, and enter a Tax ID Number or Social Security number in every case.  After the form is completed, attach all supporting documents, and mail the original to the NFIP

The producer should retain the second copy; the third copy goes to the insured and the 4th copy to the mortgagee.

After this form has been processed, the NFIP will send the producer, mortgagee and insured a notice of cancellation.



The following reason codes for cancellation/nullification of NFIP policies is a summary of the reasons as most of them are self explanatory.  For more details, please refer to the Flood Insurance Manual.

1.  Building Sold or Removed.  Insured has no more insurable interest, or any other reason that the building is sold or removed.  If the building is sold, proof of sale is required.  Request must be received within 1 year of sale/removal, accompanied by Bill of Sale, settlement statement, or other such proof of removal or total loss.  Up to 2 years pro rata refund

2.  Contents Sold or Removed.  Insured no longer has an insurable interest or the property has been removed from the property.  Proof is needed, such as Bill of Sale, etc.  Pro rata refund.  Cancellation request must be received within 1 year of new policy effective date.


Policy Canceled and Rewritten to Establish a Common Expiration Date with Other insurance Coverage.  A "housekeeping" reason and new policy must be rewritten with the same company for the same or higher" amounts of coverage.  This should be accompanied by a Cancellation form for the previous policy.  One year refund maximum.

4.  Duplicate NFIP Policies.  Refund is pro rata.  Insured can choose which policy to keep, but only one policy will be effective.  Document by submitting copy of declaration page(s) and copy of force-placement letter from the mortgagee if applicable. Force-placement usually has been done by the lender, but if both policies are applicable, the WYO company will cancel the force-placed policy.

5.  Non-Payment.  If there has been an "insufficient funds" check used to pay the premiums, policy is then nullified, with bank's notice attached to the form.  A full premium refund will be provided to the producer if the producer has sent his funds to the insurer.  If the WYO covers the premium for a prospective insured and then does not receive payment, the policy can be nullified.  Full refund.

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