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A lot goes into traveling outside the actual trip. The plan to get to a destination is only a small detail when compared to the overall experience of a vacation or business trip. Online colleges offer training in travel and tourism for the individual who wants to think and do all the necessary things that go into planning a trip. Prospective students can earn a degree online and be working with clients to help them get the most of their money when traveling.There are a variety of benefits from attending school online.
Learning from a distance allows individuals to choose their study pace and take classes inside the comfort of their own home.
Online schooling in travel and tourism permits students to study on days that are set by them not the college or program.
Students have the ability to complete all the phases of education without the hassle of commuting to a campus everyday.
This is a high advantage for disabled individuals who are unable to commute to a campus and attend classes.More colleges and universities are adding online degree programs in travel and tourism, which is enabling students to gain a better education with higher degree choices than a certificate program or associate’s degree.Prospective students have numerous choices when it comes to education programs. Students have the option to gain an education from accredited online colleges and universities starting at an associate’s degree in travel and tourism to a master in business administration for hospitality and tourism management. The opportunities for students to gain an online education in this field is widening and programs are preparing students in numerous ways. Through coursework students will learn about:
sales techniques
travel destinations
bookkeeping
reservation systemsAn online degree in this area could provide the best career preparation and have graduates working in many different aspects of travel and tourism.Travel agents have more responsibility to their clients than just booking travel and securing them a discount. The job description for a travel agent encompasses the entire trip whether it’s for leisure or business. A travel agent will arrange:
transportation
hotel
food options
tours
entertainmentWhatever a client is looking for in regards to their trip a travel agent will spend time getting the best discounts, looking up travel packages, and exploring what activities the destination has to offer their client. Along with the above responsibilities an agent will be the number one source on things like the weather, local customs for international travel, site attractions, money exchange rates, and more.A new trend is developing for individuals who gain a travel and tourism degree through an online school. More students are becoming specialists in a particular area. Meaning they are choosing to become highly knowledgeable in one area like a culture, destination, or interest. This type of travel and tourism agent is particularly useful for clients who are traveling internationally. Becoming a specialist will require the student to learn the customs and in some cases the languages of a chosen location. With increasing demands on travel agents from their clients, gaining a degree in the field is becoming extremely important.Use your passion for travel and exotic destinations to start your career training online. Accredited schools provide the best quality education. There are numerous agencies like the Distance Education and Training Council (www.detc.org) that provide full accreditation to educational programs. Students can research accredited colleges that offer a degree distinction that fits their goals and begin working towards their personalized career in the hospitality industry.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

The majority of us are unaware of the multitude of ways an entrepreneur can make money with payday (PDL) and small dollar loans. Often, we’re so focused on our own passion, skill and knowledge base that we fail to comprehend other methods of monetizing our expertise and understanding of this dynamic industry. This brief discussion will cover a few of the ways we can develop multiple revenue streams all utilizing the payday/small dollar loan products. If you and your team are uncomfortable or unwilling to actually fund loans, be advised there are a multitude of ways to make a “ton of money” in the small dollar loan industry. (Note, this list is in no particular order.)* Funding Loans. Of course this is the obvious method most of us employ to maximize our returns. We form a corporation, get a license where appropriate, we open our store, utilize advertising and signage to draw customers and fund the payday loans ourselves. This “brick-n-mortar” model still works very well. And fortunes are still being made with this approach.* Utilizing the Internet. Consumers in the USA, Canada, Australia, New Zealand, the Caribbean, England, Ireland, and more demand access to our payday loan product. However, not all consumers have the ability to simply walk into their neighborhood cash advance store and receive one. We are all aware of states having unfavorable payday loan legislation. Millions of payday advance consumers are forced to use call centers and web sites of companies outside the protection their state may offer or the “best-practices” promoted by CFSA.net and FISCA.org. And, let us not forget the value in combining a “brick-n-mortar” payday loan operation with web sites. The “big guys” in our industry have figured this out and purchased existing payday loan Internet companies. We perceive the major value in their taking this approach was the fact these payday loan Internet companies had pursued and secured multiple state licenses. In any event, it only makes sense to use a web site in conjunction with your “brick-n-mortar(s). Fund the loan applications submitted via your web site by residents of your state/province and simply sell those from locales you prefer not to do business in. (See Affiliates)* Loan Leads. There are millions of dollars being made collecting and brokering small dollar loan leads and applications. (See Affiliates)* Consulting. There is a tremendous demand by entrepreneurs to get involved in the PDL industry. Their thirst for knowledge regarding software, licensing and legislation, store location, web site development, ACH processing, stored-value and prepaid card deployment, compliance, and on and on has no end.* Affiliates. There has never been more money being made in the PDL industry by entrepreneurial companies and individuals that never fund a single cash advance! Ten’s of thousands of dollars are made monthly by simple creating a web site to gather PDL leads and applications and selling them to PDL companies willing to actually fund the loans. Today, these leads and applications sell from $3.00 ea to as much as $100 each depending on volume, filtering, quality, source, and any due-diligence performed prior to the sale. Just one example is that of a payday loan lead generation entity selling 50,000 payday advance applications per month at an average of $9.00 each. And the buyer claims to be funding 40% of these leads! We estimate less than 10% of the payday loan web sites on the Internet today actually fund payday advances! It is extremely easy for an entrepreneur to simply build a web site(s), become an affiliate at http://www.cj.com to immediately begin selling payday loan leads to advertisers. Additionally, one can set up a Google AdSense account and earn approximately 30% to 50% of the income Google receives for each click (currently $7.02 per click for position #1). Last month 294,000 searches were performed at Google for the term “payday loan.” Of course, this count does not include all the other permutations for “payday loan” such as “payday advance”, “cash advance” “payday loan cash advance”, “no teletrack payday loan”, and many, many more. Nor does this include searches performed at other search engines such as Yahoo, AOL, Earthlink, MSN, etc. Our research yielded more than 1,000,000 searches last month for the term “payday loan”!* Vendors. There is no limit to the various products and services one can offer to PDL operators and consumers of cash advances. Creativity is the key to developing continuing revenue in our industry. PDL operators need creative solutions for meeting compliance issues, creating complementary products, advertising and marketing, collections, solidifying relationships with PDL consumers, customer identification, customer employment validation, bank account and ACH verifications, security, insurance, store layout, web site and software integration.* Investors. Astute individuals and organizations with a desire to put money to work at favorable interest rates do exist. We receive inquiries from them daily. Those deals involving no equity typically earn returns of 2% to 5% interest paid monthly. The key for both the PDL operator in need of funds to meet demand and potential investors is to research and understand the PDL product thoroughly, develop specific criteria for the investment or use of the funds, and a complete assessment of the ability of both parties to work together. Finally, all agreements must be put in writing.* Education. Opportunities for helping payday loan operators to increase revenues and meet compliance and legislative issues abound. Again, topics covering marketing, advertising, collections, compliance, accounting, insurance, fraud, investing, debt servicing, complementary products and services, customer relations, legislation ( http://www.PaydayLoanLegislation.com ) are just a few of the subjects payday advance operators are in need of.* Franchising. Entrepreneurs are clamoring for information regarding how to get started in the PDL industry. Independents desire a strong brand and well-organized operations offering terrific and timely support. Turnkey payday advance models will yield the greatest monetary success.* Trade Organizations & Magazines. It is shocking to realize how many existing and prospective PDL operators, vendors and suppliers are unaware we have trade organizations and magazines. Visit and support Fisca and CFSA. And, do not forget our trade magazine, Cheklist(sic). Cheklist Magazine maintains a list of state payday loan and check cashing associations.The bottom line is this: entrepreneurs, training organizations, vendors, suppliers, educators, consultants, and more all have an opportunity to earn substantial income and recurring revenue streams by participating in the PDL industry. Success will come with proper research, a good plan put into action, follow up and adjustments in combination with integrity and honesty.

Spring Fever!Kick up your heels, the sun is finally shining! Get out and smell the flowers and dig in the earth and grow your dinner and your breakfast too! It’s easy to grow your own organic food and beat the high prices, for free. You can also grow beautiful flowers. Spring is the time to start.The first step to growing your garden is to find a good spot with at least 6 hours of direct sun. Next, visualize your dream garden and imagine all your favorite vegetables. Then make a garden plan. Finally prepare your garden beds and plant your garden!Garden Plan:So what goes into a garden plan? What do you like to eat most and what will grow well in your location? Every good plan will consist of:* A list of your favorite garden vegetables and flowers* Garden bed layout: type, shape and placement of your garden beds and perennial plants* First and last frost dates* Compost Area* Water system* Optional – green house or cold frameAll these elements will interrelate and enhance each other, creating a fine-looking garden. Draw out a plan and order your seeds! Although gardening is flexible and always growing, having a solid plan in place first will help you avoid frustration and give you a good start. You can draw out your plans by hand or use some of the new on-line garden planning programs. I have been having fun working with an on-line planner this season for the first time. I have always done my garden planning on paper and there was always lots of erasing, changes and rough drafts. Making garden plans used to be an unpleasant and messy chore for me. Now I am having fun using an on-line gardening tool for making my garden plan, and changing it and playing around as much as I want in just seconds. Once you have a good plan and a list of all your favorite veggies’ it is time to order your seeds or buy some from your local nursery or feed store.Prepare your garden beds:There are many options for making garden beds, some include: raised beds, square-foot gardening, or old-fashioned hand or tiller dug garden beds. If you have a large garden, old fashioned garden beds are probably the best. If you have a small area, raised beds or square-foot gardening will be the most productive.Start small if this is your first garden. Be sensible and don’t get overwhelmed. It is better to have a beautifully maintained garden that you can take care of than a big weed patch that is so overwhelming that you dread going in your garden. You can get an amazing amount of great food out of a small garden.Compost is crucial. Don’t delay, start your compost today! Turn your garbage into gold.No matter how big your garden is and where you put it, you will need to feed your soil. There is nothing that compares with rich compost for growing productive gardens. Always grow organic! For your health and the health of the planet, it just doesn’t make sense and costs more to use chemical fertilizers, herbicides (weed control) or pesticides. I have been growing my food organically for over 30 years and have beautiful, productive gardens! It is important to know what nutrients your soil is rich in and what nutrients you will need to add to have a productive garden. Test your soil and add the required organic nutrients. Let the soil settle and then plant seeds and starts and you will soon be eating some of the best food you have ever tasted and will probably have enough for all of your friends too.I hope you are inspired to plant your organic garden today. Here’s to a great garden season!Farmer Dave