Crisis Management #crisis #management,emergency #response,infographic,world #food #programme,emergency #management,disaster #management #system,emergency #management #system,ics,incident


Meet this Blog s Co-Hosts

Jonathan L. Bernstein, president of Bernstein Crisis Management, Inc. has more than 25 years of experience in all aspects of crisis management – crisis response, vulnerability assessment, planning, training and simulations.[Read more. ]

Erik Bernstein is vice president of Bernstein Crisis Management. Erik started with BCM in 2009 as a writer and subsequently became social media manager for the consultancy itself as well as for a number of BCM clients before moving to the VP position. [Read more. ]

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Holistic Health Classes, Events and Community: Health Crisis Resource Center: Minneapolis Pathways

#pathways hospice


Healing Within. Renewing Life.

Have you ever had a health challenge so significant, it makes you rethink how you want to live? If so, you are not alone. Caregivers, affected individuals, volunteers and facilitators of healing, at some point in this journey, come to Pathways.

Pathways is a building, a space, and a community. It is a place set aside for exploring ways to come to holistic health through classes, special events, and individual sessions. By participating in the many free services at Pathways, you are supported in taking charge of your healing journey wherever that may lead.

We invite you to look around the website to get a deeper sense of who we are and the services we offer as a health crisis resource center.

Pathways To The Heart Event Tuesday, October 18th, 2016 – 6:00 PM Our friends and supporters will come together once again to celebrate the moving. Read More

Learn How to Destress Facilitated by Catherine Carpenter Wed. Oct. 5, 2016 3:00 PM – 4:30 PM How does one move through stress and awaken to. Read More

Re-Visioning Intimacy: Loving In The Midst Of Chronic Illness Presented by Jan Swanson Thursday, Sept. 29, 2016 6:30 PM – 8:30 PM We. Read More

“Transformational, not transactional” describes the healing aspects of Pathways. Please join us by contributing to our 2016 Annual Campaign. Read More

3115 Hennepin Ave S Minneapolis, MN 55408
Phone: (612) 822-9061 Fax: (612) 824-3841

2016 Minneapolis Pathways

Term deposits Vs savings accounts What s best for you? #savings #accounts,


Term deposits Vs savings accounts: What’s best for you?

Where should one stash their cash: savings accounts or term deposits?Andrea Sophocleous investigates.

September 7, 2009

Saving hasn t always been fashionable. Before the global financial crisis began taking its toll on years of economic prosperity and consumer hedonism, excessive spending was a national in fact, global pastime.

Australia may have escaped the full grunt of the GFC, but the new mood of thrifty restraint appears to be hanging around a little longer. This is the perfect environment in which to begin saving for that next rainy day or home loan deposit. And with interest rates set to rise further, so could your savings.

Higher interest rates won t just increase your mortgage repayments ; on the plus side, they could also increase the interest you earn on your high interest savings account .

Savings accounts differ from day-to-day transactional accounts by being designed to help you save for a long-term goal. While you can access your everyday account for all your spending needs using debit cards, ATMs or the internet, any money you deposit in a savings account remains out of everyday reach and accrues interest on the growing balance.

You can make withdrawals whenever you like, but this would make a dent in the amount of interest you are paid. A more prudent option, therefore, is to make regular fortnightly or monthly deposits but no withdrawals.

A high interest savings account, however, is not your only option if you want to get serious about saving. If you are easily tempted into spending rather than saving, a term deposit may be a more suitable path for you to take.

Like savings accounts, term deposits are a low-risk, convenient way to earn higher interest on your money, but because you cannot withdraw any money during the life of your term deposit, your cash will remain safely tucked away, growing at a healthy rate.

Term deposits require a minimum opening balance usually at least $5,000 and can last anywhere from 30 days to five years. The rate is fixed for the duration of the term deposit, so you know exactly how much money you will end up with.

If you already have a few thousand dollars saved, a term deposit is a smart choice because you will start earning a decent amount of money in interest straight away. And if you won t need access to the money too soon, opting for a longer term makes more sense because depending on the term, you could score a higher interest rate.

For example, a 30-day term deposit with ING Direct will see you pocket interest at 3.25 percent p.a. while a two-year term deposit will deliver a more profitable 6.00 percent p.a. interest. So $10,000 will earn $26.71 in interest in 30 days, while after two years your nest egg will be up by $1,200.

As with all financial decisions, shop around for the term deposit that suits your needs. And ensure you won t need the money before your term expires otherwise you will have to wear the cost in hefty fees. If you are starting from scratch, a high interest savings account is a better option because most do not require a minimum opening balance.

The ING Direct Savings Maximiser account will dish out 4.75 percent p.a to new customers who signs up before November 30. This special introductory rate will last until 31 January 2010. Other generous high interest savings accounts include UBank s USaver account, which offers 5.11 percent p.a interest, and Westpac s Reward Saver with a 4.70 percent p.a rate.

There are hundreds of savings accounts to choose from, so researching and comparing interest rates and terms and conditions is essential.

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Online Colleges # #college, #affordable, #accredited, #credit, #degree, #inexpensive, #student, #loan, #crisis,


With all the changes occurring in the higher education world, colleges are being challenged to offer students creative options in order to attract them to their institutions. Many colleges are meeting this new challenge through increased marketing as well as offering students courses in a variety of new formats. Today, thousands of colleges are offering online courses as a way to expand their reach and attract students without geographic boundaries. So, for the student who would like to take online courses to meet some of their degree requirements, how does a student decide?

There are some broad classifications that might help a student narrow their choices for finding the best online courses to meet their specific needs:

  • Affordable, Semester-Based
  • Fixed Rates
  • Ongoing Enrollment
  • Self-Paced, Independent Study
  • Access to Syllabus Before Enrolling
  • Flexibility with Course Prerequisites
  • Non-Proctored Exams
  • Science Courses with Labs
  • Textbooks Included
  • Non-Regionally Accredited Schools
  • Online Christian Ministry Degrees
  • Low-Priced Online MBA Courses and Degrees

There are thousands of colleges offering online courses in addition to the ones listed in the categories below. The schools included, however, have been chosen because they are both reasonably priced and regionally-accredited unless otherwise noted. The list is far from exhaustive, though, and not meant to purposefully exclude any colleges. They are primarily mentioned to give students an understanding of the types of course formats that are available today. A student may find it helpful to do their own research to find the courses that best fit their budget, schedule and degree plan.

The following colleges offer affordable online, semester-based courses in eight or sixteen-week formats. Courses from this list of schools can be found starting from lower than $100 per credit hour.

Another emerging trend in higher education is the offering of creative tuition plans. Fixed rate tuition is a unique option being offered by a few colleges. Western Governors University in Utah charges a flat $3,000 per six-month term and the student can complete as many courses as they want in that period. Courses begin the first of each month and a student can enroll in as many sessions as they like.

Many colleges are now offering students the ability to begin taking online courses throughout the year instead of following traditional fall and spring semester formats. Some schools begin classes every month. Courses generally follow eight or sixteen-week schedules, but students can begin any month that fits them best. The following colleges in this category offer tuition beginning at less than $175 per credit.

Self-Paced, Independent Study

The number of courses being offered in this category by today’s colleges and universities is growing very quickly. Students are demanding flexibility and schools are responding. Students can work through the course material at their own pace, which can prove to be very helpful both for those wanting to move quickly and for those needing to go more slowly.

The course material directs students through each subject and often requires written assignments and tests. Instructors are available for questions and grading, but the course is directed by the material and not the teacher. Students should assume these courses are just as challenging as traditional courses, but can offer greater flexibility to students with demanding schedules.

Many colleges such as Louisiana State University, Portland State University, and the University of Oklahoma have no admission requirements, and students simply register and pay for courses. Colleges usually allow students between six and twelve months to finish, but may give extensions of time for an additional fee.

Most colleges offering self-paced online courses also offer other online courses in traditional semester-based formats. However, one benefit of self-paced courses is the ability for students to begin any day of the year. These courses might also be referred to as “self-paced,” “quick entry,” “correspondence” and “open entry-open exit”. The colleges below offer flexible, independent, self-paced courses beginning at less than $100 per credit.

Access to Syllabus Before Enrolling

Many students may benefit from having the opportunity to review a course syllabus before enrolling. This allows students to research the course content, work requirements, grading system, and time commitment needed to earn a satisfactory grade. The following colleges place their syllabi online for students to review prior to enrolling. Colleges in this category can be found with tuition starting under $100 per credit hour.

Flexibility with Course Prerequisites

Colleges normally require students to take basic courses before proceeding to more advanced courses. As a result, students must follow college policies to prove that course prerequisites have been met before they will be allowed to enroll in an advanced class. College prerequisite policies can vary a great deal, but Louisiana State University’s policy is especially easy to follow for their online students.

LSU’s website is very informative and it clearly explains course content, lesson assignments, grading formats, and more. They offer more than 175 online, self-paced courses for less than $100 per credit hour, including many upper level courses.

Many colleges require students who take online courses to take their tests under the supervision of an approved proctor. Local college testing centers and libraries are common locations for students to arrange for a proctor. Some colleges, however, allow their students to take some of their exams without a proctor. Each course has different testing guidelines. Some instructors feel comfortable assessing a student’s knowledge through writing assignments, projects or group discussions, and allow their exams to be taken online. The following colleges have offered some courses with non- proctored tests. The colleges from this category begin tuition at less than $100 per credit hour.

Science Courses with Labs

One of the challenges of earning the majority of a degree online is the common requirement for a science course with a lab. Many colleges offer online science courses, but only a handful will include the lab. The following colleges include an online lab with some of their science courses. Colleges in this category offer courses for as little as $100 per credit hour.

Some colleges are including the cost of textbooks and learning materials in their tuition price. They sell themselves on the idea that their costs are all-inclusive, with no hidden fees. Two affordable online colleges offer students this option. Colleges in this category currently offer all-inclusive tuition beginning around $250 per credit hour.

Non-Regionally Accredited Schools

Some students may want to consider taking courses from Penn Foster College, even though this school does not have regional accreditation. Students who plan on graduating from a college that accepts ACE credit may be able to take advantage of Penn Foster’s more than 180 online courses that have been recommended by ACE. Colleges that do not normally accept credits, from non-regionally-accredited institutions, may still allow these courses to be transferred because they have been approved by ACE.

Penn Foster offers manageable, self-paced courses that students are allowed to take twelve months to complete. Students can begin these courses anytime and textbooks and study materials are included in the tuition. They also offer multiple options for acceptable exam proctors. These courses will not work for every student, but may be considered by students choosing colleges with generous transfer policies. Penn Foster currently offers courses for less than $100 per credit hour.

Online Christian Ministry Degrees

Some online private Christian colleges offer affordable tuition for students wanting to earn a ministry degree. Some of these colleges offer undergraduate degrees while others focus on the post-graduate level. Colleges in this category currently begin tuition at less than $200 per credit hour.

Low-Priced Online MBA Courses and Degrees

College tuition for a masters degree is usually higher than tuition for undergraduates. This often places these degrees out of the financial reach of many students. Students looking for affordable graduate-level courses may want to research the following colleges, with tuition starting at less than $250 per credit hour.