Safety 2013: What are the Odds? The Probability of an Accident

As the host city of the American Society of Safety Engineers (ASSE) Safety 2013 conference, Las Vegas was the perfect backdrop for a presentation on predicting the probability of a workplace accident.

Victor J. Sordillo, PE, CSP, a VP at Chubb Group of Insurances Companies, discussed the human factors that go into the probability of a workplace accident. He called numbers often misleading and acknowledged that determining probability is not always intuitive.

In safety, if probability was perfect, we could predict [for example] that one in 500 people would experience a back injury on the job, he said. But what you have in your operations is you have all the human factors. We have to reduce those probabilities. I can t tolerate one in 500 to have a back injury. We have to do something to prevent it.

The measure of predictability, Sordillo continued, is based on reducing the probabilities we re aware of and making them manageable. For example, the odds of an individual losing his life in a car accident is one in 4 million. But over a lifetime of 50,000 trips, that s about a 1.2 percent chance of losing your life. A company that sends out a fleet of 20 vehicles at once is approaching that 1.2 percent more quickly, so it s imperative to implement safe driving practices.

Risk Tolerance and Risk Intelligence

Someone who is risk tolerant is a risk taker. Someone with risk intelligence can clearly and accurately predict the probability of an accident. While athletes and bomb squad professionals might need to have a higher tolerance for risk, certain other professions such as roofers, electricians, doctors and pilots would not be well served to have high risk tolerance.

When it comes to safety, EHS professionals can reduce the probability of injuries by eliminating and controlling exposure to hazards. If this is not possible in all cases, EHS leaders can provide training or personal protective equipment, reinforce safety messages and demonstrate by example.

We really need to look closely at everything in our facilities because all the information does not reflect the unique situations in our environments. Not all facilities or people or operations are created equally, but we can make ours better than equal by focusing on those hazards, behaviors and conditions to reduce the losses of what s within our control, Sordillo said.

Sordillo sums up what safety professionals must do in promulgating a strong safety culture and positive safety attitudes among workers by comparing safety to slot machines: The bells ring loudly, and an excited crowd might surround a winner. That s what a good safety culture should look like, too. Those are the kinds of things we need to do to reduce accidents, Sordillo said.

Each month, EHS Today features the latest personal productive equipment and safety software for the workplace. The June 2017 issue highlights products from UL, Brady, Rosetta Stone, ClickSafety, Mil-Ram Technology, VelocityEHS, Pelican Products Inc. Carhartt, FallTech and Mount Vernon FR. To view the product descriptions and photos, use the arrows to move back and forth through the slideshow.

Each month, EHS Today features the latest product innovations geared to enhance your workplace safety initiatives. The May 2017 issue highlights products from Seeq, Loftware, Sphera, PIRTEK, Honeywell, Justrite Manufacturing Co. Brady SPC and FallTech. To view the product descriptions and photos, use the arrows to move back and forth through the slideshow.

An estimated 409 people may be killed and 47,000 seriously injured in motor vehicle accidents during Memorial Day weekend this year, according to the National Safety Council. The number of fatalities is expected to be 12 percent higher than the average number of deaths, 364, that occurred in the past six years. The three-day holiday period begins at 6 p.m. ET Friday, May 26 and ends at 11:59 p.m. ET Monday, May 29.

When UC Berkley Professor Homayoon Kazerooni arrived from Iran to America in the late 1970s, he had just a few hundred bucks in his pocket. He also had big dreams. Those dreams have translated into an invention that allowed people to walk again after paralyzing accidents and illnesses. Called the eLEGS, the device was a medical exoskeleton that restores the ability of paraplegics, MS patients and stroke victims to walk.

Workers in the United States spend more time in the office or on the job site than any other country, according to a 2015 Gallup poll. An average of 47 hours per week per employees leads to an increase in productivity, but the Economic Policy Institute says that incomes have failed to rise as productivity grows, leading to wage inequality and potential burnout if the work environment becomes too stressful.

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Billing Specialist Salary

Job Description for Billing Specialist

Billing specialists generally complete specific tasks related to a company’s billing and accounting needs; they are supervised by an office manager or billing manager. Day-to-day responsibilities of a billing specialists include preparing and submitting invoices through electronic or non-electronic means to ensure processing and payment; resolving issues related to payments by clients such as rejection or deduction analysis; and communicating with clients, legal staff, or others to coordinate revisions or adjustments for resubmission. Other responsibilities fielding questions from clients, clerical staff, and others; cooperating with the billing manager or office manager to ensure that their work adheres to the standards, guidelines, procedures, and deadlines set by the company; and preparing special documents as required by clients, attorneys, or managers. Billings specialists work in a normal office environment. Their hours depend on the company’s needs, and this position may be part time or full time.

A high school diploma or GED is required for this position, but a bachelor’s degree and experience in accounting or finance is preferred. Billing specialists work with a variety of individuals while dealing with collection and billing issues. As such, they need to have excellent personal skills to communicate effectively with clients, supervisors, attorneys, and assistants. They should possess superb computer skills, including a proficiency with Microsoft Outlook and Excel. A general knowledge of billing and collection practices, as well as business office procedures, is necessary. Experience operating a multi-line telephone system is preferred. Billing specialists need to be able to read, understand and follow oral and written instructions, while maintaining professional working relationships with clients, and employees.

Billing Specialist Tasks

  • Manage customer accounts, collect payments, and update accounts to reflect changes.
  • Work with customers to set up payment plans and ensure bills are paid.
  • Answer customer questions about billing and resolve any errors.
  • Submit customer insurance claims and process payments from insurance companies.

Common Career Paths for Billing Specialist

Plan your career path. Drag job titles to investigate a particular path and click on a link to see where particular career can lead.

Though not the most common occurrence, Billing Specialists sometimes become Financial Analysts, where the average income is $55K per year. Billing Specialists most often move into positions as Billing Managers or Billing Supervisors; those groups report median salaries that are $11K higher and $6K higher, respectively.

Billing Specialist Job Listings

Popular Employer Salaries for Billing Specialist

Leading companies who hire large numbers of Billing Specialists include Laboratory Corporation of America (LabCorp), Anmed Health, Ricoh Corporation, Parallon Business Solutions, and Community Health Systems. For Billing Specialists, comfortable salaries can be found at Ricoh Corporation; in fact, median earnings sit around $43K, the highest in the area.

Popular Skills for Billing Specialist

This chart shows the most popular skills for this job and what effect each skill has on pay.

Billing Specialists seem to wield many skills on the job. Most notably, skills in Accounting, Data Analysis, Accounts Receivable, and Microsoft Office are correlated to pay that is above average. At the other end of the pay range are skills like Insurance, Medicaid Billing, and Medical Coding. People who know Billing usually also know Medicaid & Medicare Billing and Collections. The majority of those who know Accounts Receivable also know Collections and Medicaid & Medicare Billing.

Pay by Experience Level for Billing Specialist

Pay by Experience for a Billing Specialist has a positive trend. An entry-level Billing Specialist with less than 5 years of experience can expect to earn an average total compensation of $32,000 based on 1,222 salaries provided by anonymous users. Average total compensation includes tips, bonus, and overtime pay. A Billing Specialist with mid-career experience which includes employees with 5 to 10 years of experience can expect to earn an average total compensation of $36,000 based on 669 salaries. An experienced Billing Specialist which includes employees with 10 to 20 years of experience can expect to earn an average total compensation of $38,000 based on 643 salaries. A Billing Specialist with late-career experience which includes employees with greater than 20 years of experience can expect to earn an average total compensation of $40,000 based on 212 salaries.

Pay Difference by Location

With a pay rate for Billing Specialists that is 27 percent greater than the national average, Los Angeles offers a comfortable salary for those in this profession. Billing Specialists can also look forward to large paychecks in cities like New York (+21 percent), Philadelphia (+19 percent), Chicago (+15 percent), and San Diego (+9 percent). San Antonio ranks last in the field for pay, reporting salaries 12 percent below the national average. A couple other locations with smaller-than-average paychecks include Indianapolis (10 percent lower) and Pittsburgh (3 percent lower).

Billing Specialist Reviews

Q: What is it like working as a Billing Specialist?

Billing Specialist in Beverly Hills:

Cons: Stressful because I have to worry if I m going to be laid off because our provider won t pay us.

Billing Specialist in Portage:

Pros: I am able to work independently or with assistance as needed.

Cons: There are no paid vacations or 401-K benefits.

Billing Specialist in Chicago:

Pros: Multi-tasking, training of others, work independently, teamwork, customer and vendor relations.

Cons: Growth opportunities.

Billing Specialist in Murfreesboro:

Work flexibility, stress level, management.

Pros: Work flexibility, management.

Billing Specialist in Alpharetta:

Pros: I enjoy the laid back dress code and shift/schedule flexibility.

Cons: I dislike the SEVERE lack of communication between departments and keeping everyone in the know about what is happening within the company.

Billing Specialist in Houston:

Billing Specialist in Fredericksburg:

Pros: It is a major challenge. Deadlines, much to absorb.

Cons: Stress! Lack of direction, unidentified expectations, not a lot of interaction.


Credit Card Annual Fee Explained

Updated February 28, 2017

Annual fees are one of the most common credit card fees. It s a fee that s automatically charged once a year to your credit card account for the benefits that come with that credit card. Annual fees, when they re charged, range from $25 to $500 depending on the credit card. Generally, the higher the annual fee, the more benefits the credit card provides.

Cards That Typically Have an Annual Fee

Not all credit cards have an annual fee.

Cards that usually have an annual fee include reward credit cards, premium credit cards, and secured credit cards.

The annual fee increases the cost of having a credit card. If you pay an annual fee, make sure the benefit you re getting from your credit card exceeds that cost. For example, if your rewards credit card has an annual fee, the rewards you earn should exceed the annual fee. Otherwise, having the card isn t that beneficial.

How the Annual Fee Is Charged

The annual fee might be a one-time charge on your credit card during a specific month of the year, usually around your card s anniversary or at the beginning of the calendar year. Or, the annual fee may be divided up and assessed monthly. It s more common for cards to charge the annual fee once a year.

How to Avoid an Annual Fee

Many credit cards that charge an annual fee waive it in the first year. After the first year, the fee is automatically charged to your account.

If, after the first year, you decide the annual fee isn t worth it, you can close the account. Before you make that decision, make sure you assess the impact to your credit score and redeem any rewards you ve accumulated.

You may be able to switch to another credit card with the same issuer, but one that doesn t have an annual fee.

Note that by downgrading your account may lose some benefits and you may not incur rewards at the same rate. That s if the card you downgrade to pays rewards at all. However, by downgrading, you ve avoided the annual fee, which could be better in the long run. Again, make sure you redeem your rewards before making any changes to your credit card account to avoid losing them.

Some credit cards may allow you to avoid the annual fee by charging a certain amount on your credit card each year. Contact your credit card issuer to find out how you can have your annual fee waived.

Changes to Your Annual Fee

If your credit card issuer decides to impose a new annual fee or raise the current one, they re required by federal law to notify you 45 days before the new annual fee becomes effective. You have the option to reject the new annual fee, however, you ll have to close your credit card if you decide to opt-out. Think hard before opting-out because closing a credit card could hurt your credit score.

Should You Get a Credit Card With an Annual Fee?

Paying an annual fee isn t necessarily a bad thing, sometimes it s just a necessary part of having the credit card you want. But again, be sure the benefits of the card are worth paying the fee.

Compare your card to similar credit cards from other credit card issuers to confirm you re getting a good deal.


Welcome to Pacific Ocean Drug Rehab

Pacific Ocean Drug Rehab specializes in sobriety programs for men, women any clients dealing with any kind of addictive behavior. From alcoholism to drug addiction, Pacific Ocean Drug Rehab recognizes the differences of men verses clients addiction and emphasizes the great importance of a sobriety program created for all individuals tailored to their specific needs. Our partner program, Sober Companions Orange County, will help to show you how to live your life sober once you have completed treatment. This combination will help you or your loved one have an overall successful and happy ending to what, so far, has been a difficult journey.

Huntington Beach, CA

After having lost what feels like everything in your life, the love of your pet still exists. They don t care that you didn t come home when you said you would, wake up when you said you would, or be where you said you would be. They love you UNCONDITIONALLY.

At Pacific Ocean Drug Rehab. they understand the immense benefits of having your animal while getting sober. Located on the Pacific Coast in Orange County, you can bring your pet to the treatment. Your animal can stay with you in your own private room and help you through the journey which lies ahead.

Pacific Ocean Drug Rehab will be happy to refer you to a treatment center who can provide for your needs. This FREE Referral service is for clients who go through Pacific Ocean Drug Rehab for their initial rehab admission processing. Your assigned treatment center will then arrange for easy and affordable payment on your part. When you are referred by Pacific Ocean Drug Rehab. you know you can trust the treatment center you will be assigned to. We look for quality, competence and credibility because we only want the best for our clients.

**We accept some Insurance plans upon verification of the Insurance benefits. Some Detox fee s: substance abuse treatment fee s may be reimbursed. But it depends on your specific Medical Health Plan.

Most Insurance Accepted

Referrals to Sober Living and Referrals to Residential Treatment And Referrals to Outpatient Detox Treatment

We are #1 for rehab facilities coming from states surrounding California. We take people from all different states including Nevada, Arizona, Utah, Oregon, and even farther away states such as Kentucky and Ohio. Sometimes you need to get out of your comfort zone and away from negative influences to get over a drug or alcohol addiction. Come join us in beautiful Southern California with beach front rooms available. Recovery on the shore, there is nothing better. Call today!

At Pacific Ocean Drug Rehab. we have a special understanding of couples in love that abuse alcohol or drugs together. With over 20 years of experience, we have seen it all and treated it all! Couples that abuse substances together need a special approach when it comes to both parties’ recovery. When two people in love are both addicts, they enable each others bad habits and the addiction will only get worse. In order for either person to achieve sobriety, both lovers must enroll in recovery.

When you are in a relationship where drugs are in the spotlight, this will inevitably cause fights between the couple and negatively affect the relationship. It’s very common and happens all too often. You may think to yourself “All we do it argue now” or “my lover no longer appreciates me”. but if you take a step back and really look at the bigger picture, you will see that most of these negative aspects of your relationship only began when the drug abuse began. Both people’s abusive behavior will cloud each person’s judgement, you may even begin to feel hostility towards each other, turning your relationship into a love-hate situation. Take alcohol and/or drugs out of the equation, and in most cases you will find that there isn’t much to fight about anymore. When you remove the negative influence of substance abuse, you will come to find that the loathing and hateful feelings you each felt will no longer exist. Drug abuse commonly ruins what was once a happy, healthy relationship.

If you and your partner are seriously ready to stop the exhausting cycle of substance abuse, give us a call. At Pacific Ocean Drug Rehab. we will design an individualized, personal treatment program for you both. Your recovery path will be tailored to you, your lover, and your unique situation to ensure the highest probability of success. If you are ready to once again feel true love and regain the happy, hopeful relationship you used to have with one another, we are ready and waiting for your call!

Don’t let your relationship be another casualty of substance abuse! It’s never too late to recover together and reverse any damage that has been done. When you do your recovery through Pacific Ocean Drug Rehab. you and your loved one can come to detox together. You will have the option to stay together, in the same private room. This way, your privacy and intimacy does not have to be sacrificed.

You and your partner were addicted together, now you can recover together. You will act as each other’s support system, holding each other accountable and responsible. In addition, you will have highly trained medical staff assisting you both in detox, and licensed therapists to assist you both in rehabilitation, rebuilding, and recovery. When you stay with us at Pacific Ocean Drug Rehab. our exceptional staff will closely monitor you and your partner’s progress. Your success if our mission. Don’t wait any longer, text or call today to speak with an intake specialist. With our several facilities in and around Orange County, California, there will always be a spot open for you and your partner to come and learn how to live again!

  • California Heroin Detox
  • Couple Heroin Detox
  • Couple Opiate Detox
  • Couples Private Rooms Drug Treatment
  • Couples Naltrexone Drug Treatment


The ‘safe’ painkiller that is turning unsuspecting women into drug addicts

While codeine is an effective pain reliever, like other opioids it creates a feeling of calm and well-being.

And like the other, stronger opiod drugs, it can be addictive.

‘Patients and doctors perceive co-codamol as being the safest of all opiods, but in reality it doesn’t mean that it is safe,’ says Glasgow-based GP Des Spence.

Studies consistently show that more women than men are addicted to opioids. They are also the ones more likely to seek help for it – the Over-Count Drugs Information Agency, a charity which deals with addiction to over-the-counter and prescription drugs, reports that 65 per cent of inquiries to their helpline are from women.

Type ‘co-codamol addiction’ into an internet search and you’ll find websites littered with women discussing this problem. Christine, writing on the forum Netmums, says: ‘It has recently become apparent to me that I am well and truly hooked on co-codamol, which I take for back pain.

Hooked: Signs of addiction include growing tolerance, withdrawal symptoms, and using the drug in larger amounts for longer periods than intended

‘I don’t know how to even begin to come off them because every time I go over three hours without any my body aches, I feel sick, get moody and agitated.

‘Can anyone offer me some advice? I am scared to go to the doctor in case they stop them all together.’

Another Netmums member, Nikki, replies: ‘I am in the same situation, I have been taking co-codamol for about five years, pretty much every day for migraines.

‘At first I would only take them when needed, then somehow I found myself taking them every four to five hours, even when I didn’t really have a headache – it was the relaxed warm feeling that they give me I needed a constant supply of.’

Co-codamol is available over the counter in low-dose packs (8mg codeine/500mg paracetamol) with large warnings not to take the drug for more than three days.

These warnings followed a 2009 Parliamentary report which highlighted the problem of addiction to low-strength co-codamol sold over the counter, and called for more awareness, control and education.

Yet the problem is not over-the-counter co-codamol, but prescription versions. These are much stronger (30mg codeine/500mg paracetamol) and dispensed in much larger packs with no overt addiction warnings.

There are also few guidelines on how long the drug should be prescribed – the British Pain Society advises that ‘during long-term opioid treatment, reviews should be conducted at least monthly in the first six months after stable dosing has been achieved.

‘Frequency of review there-after can be clinically determined by the complexity of the case, but should be at least biannually.’

Dr Spence has become so concerned that he recently wrote in the British Medical Journal calling for ‘urgent research, action and honesty’ so the true scale of the problem can be identified.

‘Prescriptions of co-codamol have almost doubled in a decade and that doesn’t reflect an increase in pain, but a lack of supervision of prescriptions,’ he says, explaining that GPs are given no specific guidelines on how often to review prescriptions given to patients on repeat.

‘At first I would only take them when needed, then somehow I found myself taking them every four to five hours, even when I didn’t really have a headache – it was the relaxed warm feeling that they give me I needed a constant supply of.’

‘A few years ago, our practice noticed a large number of painkillers on repeat were being over-ordered, patients were having three times the amount they needed because the system wasn’t picking up on the orders. So we took all painkillers off repeat so patients had to be reviewed by a doctor when they wanted more.’

Signs of addiction include growing tolerance (needing more to have the same effect), withdrawal symptoms (feeling ill if the drug is not used regularly), and using the drug in larger amounts or for longer periods than intended, says Richard Velleman, emeritus professor of mental health research at Bath University and a leading authority on substance misuse.

One mother, 36-year-old Jo Gifford, from Cambridge, found herself addicted to co-codamol prescribed for endometriosis – an often painful condition where cells that usually line the womb are found elsewhere in the body.

‘I’ve been using opiates for more than ten years. Codeine is the only thing that reduces my pain,’ she says.

‘About five years ago I realised it wasn’t even touching my pain – I was taking more than I needed as the “hit”, that warm, fuzzy feeling of pain relief, became less and less effective.’

Jo had cravings and would search the house for pills, asking friends and relatives for their drugs left over from dental work or other prescriptions.

The problem: It’s not over-the-counter co-codamol that is the issue, but the prescription versions

‘I really felt like an addict, so I went cold turkey and it was like a scene from Trainspotting – I was sweaty, awake for days, shivering, fluey. I was really worried about taking it again, but it’s the only thing that will help.’

Now, Jo limits herself to a minimal dose of co-codamol once a month – taking the low-strength over-the-counter tablets – to break the cycle of dependency.

As Professor Velleman explains, patients need to monitor themselves, as Jo does, to avoid the risk of becoming dependent. ‘It’s not an all-or-nothing situation, where some people aren’t dependent and others are total addicts, it’s a gradual process,’ he says.

If you’re taking the pills for more than two or three weeks, he suggests trying to cut back. And if you can’t, see your GP or local substance misuse service, or try to cut down yourself over a slow and controlled period of time – he advises against going ‘cold turkey’ when you completely stop the drug abruptly.

Addiction to co-codamol is not something to be embarrassed about, adds Dr Spence. ‘Doctors perhaps haven’t made patients aware of the potential for addiction,’ he says.

He also believes doctors need to acknowledge when there is a problem and help people come off it.
But as someone who has experienced severe pain, knowing the risks of co-codamol has been a real problem.

For having recently undergone reconstructive knee surgery, I was so concerned about over-using co-codamol as a result of my research that I didn’t give myself adequate pain relief – and was consequently told off by my surgeon, who warned me that he needed me to limit my pain so I could walk around and shorten my healing time.

Happily, I’m now well on my way to being back to normal.


13 Tips For Hiring The Best Moving Company

Come May and you usually think about Mother’s Day, May poles, flowers and Cinco de Mayo. But did you also know that it’s the kick-off to the busiest time of year when most of us move to new homes? Yes, May is National Moving Month. So, put down your posies and pick-up those cardboard boxes. Better yet, before you start packing, now’s the perfect time to start planning a smooth move and the best way to do that is to hire a great and reputable moving company. Who knows, they may even end up doing the packing for you.

I know, you were thinking you would just Google “moving company.” Sure you will find a zillion moving companies, but are you ready to hand over your baby grand piano or your prized 1977 go-go boots into any stranger’s hands? So, how do you choose the mover you can trust? One who knows how great you look in those boots and wouldn’t dream of letting anything happen to them? Well, aren’t you lucky because in honor of National Moving Month, here are some handy tips on what to look for when hiring a mover.

First, when choosing a moving company, checking their reputation is crucial. A great reputation saves you time and money. And, a great reputation equals great rates. No one ever says: “oh yes, I LOVE this company since they just made me overpay for their crappy service.” So, if you take away only one tip: It’s to choose your mover based on reputation.

How do you know who to trust with all your worldly possessions? (That unicorn collection really is one-of-a-kind and you would hate for something to happen to it.) Asking key questions not only uncovers a wealth of knowledge about the company and helps prepare you for moving day, but a little extra research can save you from a huge hassle in the long run. Here are some surefire questions to ask before hiring a mover:

• How long has the moving company been in business?
Experience counts and a track record shows their ability to deliver each and every time. For example, have they moved countless kids’ clay handprints and know they are simply irreplaceable? No amount of insurance is going to ever give you those back.

• Are they licensed?
If you are looking for a moving company to move you from state to state the moving company should have a US DOT number, which is a unique license number issued by the United States Department of Transportation. Make sure your mover’s DOT number is valid by searching it in this database. If you’re looking for a moving company to move your things in your own state they need a state license. In California, it’s a Cal T license.

• Is the company insured?
Verify that the company is insured on the same website you use to check their license number. Never use a moving company without a license number or insurance. Think underage unlicensed teenage driver at the wheel of a semi-truck. Not a good idea, right? Neither is an unlicensed or uninsured bunch of folks who call themselves a moving company or a group of dudes who really only do moving as a side job. Also, check to see if your personal items are covered during a move under your homeowners or renters policy. If not, you may want to consider supplemental moving insurance. Movinginsurance.com or moveinsure.com are good resources.

• Have they won any awards or accolades for service? Can they show you any letters of recommendation?
If they haven’t won any awards for service, chances are they aren’t going to win any awards from you. Remember a great reputation absolutely saves you money. NO ONE gives a glowing review to a company that over promised, under delivered and over charged.

• Do they have any reviews online?
Be sure to check out the company’s rating with the Better Business Bureau (BBB). Social media sites such as Yelp, Citysearch and TrustLink will also give you a look into other people’s experiences with the company. Make yelpers your new BFFs.

• What do their rates really include?
Low rates don’t necessarily mean a low final bill. Study rates! Are fuel charges incorporated? Also, just like the airlines, rates can vary based on season and days of the week. Will they give you a better rate if you move on a Sunday as opposed to a Monday? Repeat your new mantra: Great Reputation equals Great Rates. And repeat again: no one wins awards or great reviews when they overcharge!

• Do you have any special consolidation policies or delivery windows?
If you are moving out of state, ask the company to explain them in detail. Consolidation is when your belongings are combined with other people’s and shipped together. It’s a great way to save money, but be aware that it will add time to the delivery schedule because multiple stops for the other folks’ deliveries are made as your belongings travel across the country. Is the moving company forth coming about the fact that long distance moves almost always involve a delivery window not an exact delivery date? It’s better to know all this upfront so you can pack a suitcase that stays with you, you don’t want to start your new job in your gym shorts or pjs.

• Will the moving crew wrap and protect your furniture to prevent damages? How many movers will be on the job? How long will the job take? Are there enough hours in the day? Will you be charged if there is overtime?
By law a moving company can only give you rates on the phone not estimates on the phone. Does the moving company provide free on site estimates?

• Are they active in the community? If they care about the community, chances are they will care about you and your move. They want to continue doing business in your town a long, long time. And, they aren’t just into one night stands but really want a committed relationship with your community and you, your friends and your family.

• What sort of specialty experience do they have? Are they familiar with high rises and elevators?
Additional men and equipment can mean surprising extra costs.

• Do they measure doorways, stairways, elevators etc. in advance?
Take pictures of them before the move so you can’t be blamed for any damage.

• Do you know where you want everything to go?
Measure all your furniture and all the rooms in your new home. Make a scale drawing of every room and scale cut out furniture. Think paper dolls for grown ups. Then figure out how you would like your furniture arranged in advance. Will it all fit? Do you love your new interior design? Having your mind made up before moving day will save you a lot of time while the movers are on the clock.

• Lastly, does the moving estimator have any questions for YOU?
If he/she hasn’t asked a single question, yet is ready to give an estimate, turn and run.


Salary and Career Info for a Masters Degree in Journalism

A master’s degree in journalism typically allows journalism students to develop an area of reporting expertise and keep abreast of new technology, as well as open up new career opportunities and increase earning potential. Find out about different journalism specializations within master’s programs and learn about the salary and career outlook for master’s of journalism graduates.

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A master’s degree in journalism can lead to a career as a reporter, correspondent or broadcast news analyst. They may research and write news articles or relay the news on television. Opportunities are also available for reporting the news online.

Essential Information

A Master’s of Journalism degree can involve study in a multitude of types of reporting, including Broadcast, Business, Science Technology, and Digital Media journalism. Choosing one’s specialization allows a student to find a niche within the journalistic community. An overview of the salary and career outlook for Reporters and Correspondents in general and a few of the specializations one can choose in a Master’s of Journalism program follow.

Reporter, Correspondent, or Broadcast News Analyst

Career Options

Reporters and correspondents typically research and write for a variety of media outlets. Depending on a journalist’s particular specialization, this could mean creating web content with pictures, videos, and copy, performing in-person, taped interviews, or writing long-form journalistic pieces for print publication. The sections below describe four distinct specializations and their applications in the professional journalism world.

Salary Information for Journalists

Journalism salaries depend on multiple variables, including location, experience, education, news media and specialization. Salaries at large metropolitan news organizations, for example, offer significantly higher salaries than small-town weekly publications. Typically, only experienced journalists are hired at big city dailies. Novice journalists can find opportunities in smaller towns and online news publications. A master’s degree in journalism often leads to better opportunities with higher salary potential.

According to the U.S. Bureau of Labor Statistics (BLS), as of May 2015, reporters and correspondents earned a median salary of $36,360; the median salary for broadcast news analysts was $65,530. The highest-paying areas for reporters and correspondents include the District of Columbia, New York, Georgia, Maryland and Massachusetts.

Career Outlook for Journalists

Among journalists, reporters and correspondents can expect a moderate decline in employment, at 9 percent, from 2014-2024. An increase in the demand for online news and podcasts may offset some of the losses. Those with some experience in the field, such as through an internship, may have more opportunities, as will those willing to work in smaller markets.

Find schools that offer these popular programs

  • Broadcast Journalism
  • Photojournalism
  • Print, Broadcast and Electronic Journalism

Master’s Degrees in Journalism Specializations

Master of Arts in Broadcast Journalism

Broadcast journalism graduate students typically take courses that enhance their skills in the nuts and bolts of good reporting as well as those that pertain specifically to radio or television broadcasting. Some courses for this degree are television news writing, television magazine production and audio production. Hands-on experience through campus-based radio and television stations is typically emphasized.

Master of Arts in Business Journalism

Graduate programs in business and economics journalism generally combine advanced journalism courses with MBA courses, which may be part of a dual journalism and business administration degree program. Courses typically include investigative reporting, press ethics, financial accounting and reporting, global economy and reporting internships.

Master of Arts in Science and Technology Journalism

The ability to report on science and technology news in a clear, accessible manner is in high demand. Graduate level programs in science and technology reporting combine coursework in journalism with specialized electives in biomedical reporting, science policy and other areas of scientific and technological specialization.

Master of Arts in Digital Media Journalism

With more and more opportunities available in online journalism, digital media skills are highly sought after. Online journalists blend text, photos, video and audio to tell news stories. New media journalists acquire journalistic and multimedia skills to appeal to readers in a digital environment by taking courses in digital storytelling, interactive journalism and online news production.

The BLS expects jobs for journalists to decline by 9% from 2014-2024. Applicants with a master’s degree may have more job prospects and be eligible for higher paying jobs within this field. Experience and a willingness to work for smaller markets may help applicants find employment.

Next: View Schools

Learn about the education and preparation needed to become a media reporter. Get a quick view of the requirements as well as.

Free online courses in journalism are offered by real schools. Learn which journalism courses are available, what topics they.

Research online journalism certificate programs. Find out what you can learn in these courses and what you’ll need in order to.

Campus newspapers give college students the opportunity to get journalism experience and keep their school communities.

Areas of study you may find at University of Oregon include:
    • Graduate: Doctorate, First Professional Degree, Master
    • Post Degree Certificate: Postbaccalaureate Certificate
    • Undergraduate: Bachelor
  • Communications and Journalism
    • Communication Studies
    • Comparative Language Studies and Services
    • Digital, Radio, and Television Communication
    • English Composition
    • English Language and Literature
    • Foreign Language and Literature
    • Journalism
      • Print, Broadcast and Electronic Journalism
    • Public Relations and Advertising

Get Started with University of Oregon

6 South Dakota State University

School locations:
Areas of study you may find at South Dakota State University include:
    • Graduate: Doctorate, First Professional Degree, Master
    • Post Degree Certificate: Post Master’s Certificate
    • Undergraduate: Associate, Bachelor
  • Communications and Journalism
    • Communication Studies
    • English Language and Literature
    • Foreign Language and Literature
    • Journalism
      • Print, Broadcast and Electronic Journalism

Get Started with South Dakota State University

7 University of Minnesota

School locations:
Areas of study you may find at University of Minnesota include:
    • Graduate: Doctorate, First Professional Degree, Master
    • Non-Degree: Certificate, Coursework, Diploma
    • Post Degree Certificate: Postbaccalaureate Certificate
    • Undergraduate: Bachelor
  • Communications and Journalism
    • Communication Studies
    • Comparative Language Studies and Services
    • English Composition
    • English Language and Literature
    • Foreign Language and Literature
    • Journalism
      • Print, Broadcast and Electronic Journalism

Get Started with University of Minnesota

8 Southern Illinois University

School locations:
Areas of study you may find at Southern Illinois University include:
    • Graduate: Doctorate, First Professional Degree, Master
    • Post Degree Certificate: Postbaccalaureate Certificate
    • Undergraduate: Associate, Bachelor
  • Communications and Journalism
    • Communication Studies
    • Comparative Language Studies and Services
    • Digital, Radio, and Television Communication
    • English Composition
    • English Language and Literature
    • Foreign Language and Literature
    • Journalism
      • Print, Broadcast and Electronic Journalism

Get Started with Southern Illinois University


Teaching English in Japan

The famous Spring cherry blossoms are just one enticement to teaching and living in Japan.

So you are sitting at home thinking, Yeah, I’ll go to Japan for a year and teach English. Loads of people do it. How hard can it be?

First there are a number of questions you need to ask yourself.

  • Why Japan?
  • What are my qualifications?
  • What kind of class do I want to teach?
  • Which area do I want to live in?
  • How much money do I have already saved?

Why do you want to go to Japan?

There are many answers to this question. Some want to learn the language or to experience the culture; others want to learn more about the history or further their martial arts training. And finally some people just think it sounds cool.

If you have a specific reason, this may well make a difference in your answers to other questions. For example, if you are planning work on your martial arts skills you might be eligible for a cultural visa.

What are your qualifications?

Japan s immigration laws require you to have a bachelor s degree (in any subject) to be eligible for a work visa. If you have a degree and your native language is English everything is pretty much straightforward once you have found a company to sponsor you. If you are recruited in your home country, your new company will provide the paperwork so you can get a Certificate Of Eligibility (CEO). This can take up to 8 weeks to process. Once you have a CEO you can get your work visa, which usually takes a week.

A few years ago it was only possible to receive a work visa outside of Japan, but this has changed. You can now go to Japan on a 90-day tourist visa, find a job and a company to sponsor you, and get everything processed within Japan. (Most consulates will not admit that this is possible because they don’t want to encourage the practice.) You can’t work legally until you get your visa, but many companies will pay you under the table until your visa is issued.

If getting your CEO takes a while, you may need to make a quick trip to Korea and return on a new tourist visa.

If you don’t have a degree the next option is to see if you are eligible for a Working Holiday Visa.

The U.S. does not have a reciprocal agreement with Japan, so Americans are not eligible.

Other visas include a spouse visa, dependent visa, and cultural visa. To see the guidelines go to Ministry of Foreign Affairs of Japan: Working Holiday Programmes in Japan. You do not need a TEFL, CELTA, or TESOL qualification to get a job teaching English in Japan, but it is progressively more important to have one as it is worldwide.

What kind of class do I want to teach?

If you have never taught before you probably have no idea, so finding a job at an eikaiwa (conversation school) is probably the best bet due to the mixture of levels and ages. Eikaiwa includes ECC.

Other options include ALTs (assistant language teachers) such as JET teachers; corporate classes, where you only teach business classes; Juku (cram schools), which usually teach children in small classes or one on one; kindergarten classes, which can be anything from a small group of toddlers to a class of 40 4-year olds.

Private lessons are fine as an income booster but not as a main source of income, mainly because of the visa issue.

There are also university positions, but these are hard to come by and generally need a master s degree along with publications.

Which area do I want to live in?

Travel around the country for interviews is costly, so doing some research beforehand will be worth the time and effort. The big companies that recruit overseas often ask where you want to be placed (but make no promises about placing you where you ask). Consider whether you want to live in a big city or in the country. Climate should also be a consideration. Thinking about why you want to go to Japan may well help you decide on the area that is best for you. The Japan National Tourism Organization website may be helpful in making your decision.

How much money do I have saved?

Japan is not a cheap place to set up. Finding an employer that supplies an apartment will save you a fortune. If you have to find your own, figure on having to pay three to four month s rent in advance for the deposit and key money. It might be seven weeks before you see your first full pay check (teachers tend to get paid monthly), so you will need money to see you through. You will have utility bills and other setup costs to pay, such as getting a mobile phone (most companies require it).

If you go to Japan without a job you will need money to pay for living costs. If you have to renew your tourist visa you will need the airfare to Korea and a couple of nights lodgings there. As an absolute minimum, with a job already lined up, you should take 200,000- 300,000 (US$1500-US$3000).

Jo Ebisujimais the author of Teach In Japan. a comprehensive guide for finding a job teaching English and living in Japan. The book includes interviews with some of Japan s top ESL professionals. Jo has lived in Japan since 1998 and taught in Italy, Israel, and Ecuador.