Credit News

Credit Card Debt Consolidation – Become Debt Free? #interest #calculator #loan

#credit consolidation

Credit Card Debt Consolidation

Choosing Credit Card Debt Consolidation is an important decision and you have a few things to consider before signing your name.

If you decide to consolidate your credit card debt with a financial institution, you may have to apply for a secured loan against an asset that will serve as collateral, most commonly your house. We ll be frank. The notion of you taking out a secure loan and using your home as collateral, to consolidate credit card debt, is a very risky decision with obvious downsides the recent turmoil in the housing and financial markets makes this evident.

If you decide to consolidate your credit card debt with a for-profit debt consolidation company, you may have to apply for an unsecured loan, in which you do not have to put up collateral. In this case, you will be signing your name to an unsecured loan to payoff your other unsecured debt. This type of unsecured debt consolidation loan is very rare and equally risky. The amount of trusted companies offering debt consolidation loan programs without collateral are scarce.

At Springboard, we offer a risk-free way to consolidate credit card debt payments. When you receive your free credit counseling session, ask about how to consolidate your payments into a Debt Management Plan. If you qualify, you get to pay one monthly payment to your credit card companies and you benefit from the incentives they may offer you without putting your home or other assets at risk.

Rebuild a Responsible Credit History

When you begin a Debt Management Plan (DMP) with Springboard, your credit lines are closed and you agree not to use credit while you are on the plan. This is noted on your credit report. In the short term your credit score can potentially go down. You will also be denied if you apply for credit, but that is because you have just agreed not to use credit. As soon as you complete your DMP or decide to leave your DMP (at any time), you are again eligible for new credit. The DMP notation on your credit history is not a negative mark, so don t expect that to harm your credit score now or in the future.

In the long term, your credit score will begin to reflect your regular on-time credit payments, credit lines being paid down and preexisting late accounts being brought to current. These are all positive credit history marks that can make a significant long-term impact on your credit score.

Our Credit Card Debt Consolidation Services Top Benefits

When you decide to partner with Springboard Nonprofit Consumer Credit Management, you ll experience the benefits of having expert credit counselors and personal finance educators to support you. We believe the cornerstone of financial security is a strong financial education. You ll learn money management and personal finance tips that will benefit you and your family for a lifetime.

If you decide to sign up for our credit card debt consolidation services, you will get these immediate benefits:

  • Make one convenient monthly payment to pay down all unsecured debt
  • Reduced fees and/or interest rates from your creditors
  • Well-planned household budget to help you save more and pay-down debts

Our Credit Card Consolidation Accreditation

Springboard is a 501(c)(3) nonprofit organization founded in 1974. Our mission is simple, yet vital: our people improve the lives and financial well-being of individuals and families by providing quality financial education and counseling services. Reputable counseling agencies like Springboard demonstrate their credentials be undergoing rigorous audits and reviews from independent third party regulators.

We proudly wear the following accreditation and memberships:

Accredited by COA (Council on Accreditation)

HUD-Approved Housing Counseling Agency (Housing and Urban Development)

Founding member of HPF (Homeownership Preservation Foundation)

Members of the Southern California Better Business Bureau

Members of the NFCC (National Foundation for Credit Counseling)

Members of FCAA (Financial Counseling Association of America)

I m a Massage Therapist and This Is What I m Thinking When You re on My Table, how to become a massage therapist in california.#How #to #become #a #massage #therapist #in #california


I’m a Massage Therapist and This Is What I’m Thinking When You’re on My Table

So you’re here for your massage appointment. You check in, drink a glass of lemon or cucumber water, and your massage therapist greets you. You’re led down a dimly lit hallway to your treatment room. You disrobe and lie under the sheets.

But what does your massage therapist really think about having you as a client?

I, a massage therapist (not “masseuse” or “masseur,” thank you very much), am speaking anonymously so I can be completely honest and address any insecurities you may have about getting a professional massage.

Female clients always apologize to me when they haven’t shaved their legs. That’s totally unnecessary. I really don’t care. What really impresses me, though, is when a pregnant lady has smooth legs. Wow! When I was pregnant, I couldn’t bend over, much less lift a leg!

However, for any men reading this: If you wax, it’s actually painful when you’re stubbly. Sometimes your hair will stab me under my fingernails. Ow!

What do we think if we have an obese or rail-thin client? It really doesn’t matter. One body type isn’t more difficult than the other. The only time I’m a little uncomfortable is when a very thin person wants really deep pressure; then, it kind of hurts the elbows a bit.

Do we see cellulite? We all have it, so no biggie. What about scars? The only thing that concerns me about that is if it’s OK to massage over them. The other massage therapists I’ve spoken to have told me that they never see skin — only muscle tissue and knots.

Please shower, or at least be slightly clean. I’ve had clients come in all sweaty and say, “I just ran a marathon! Phew!” Phew, indeed. Sweaty skin is kind of gross to me.

And your feet! Don’t run around barefoot with grime caked on them without wiping them down if possible. If I can smell your feet while sitting at your head, a quick trip to the bathroom to give them a wipe down with a wet paper towel can really help.

Most people get it right when receiving a massage: lie down, close eyes, relax. But some people need a few tips.

For instance, don’t “help” the therapist by lifting your arm, leg, or head. That just tells us you’re not relaxing, and we don’t need the help. I think that most people just want to be polite, but here is not the place. This is your time.

Also, put your clothes on the chair or hanger we provided. Some people throw their clothes on the floor and we accidentally step on them, or worse, trip on them.

If possible, try not to moan or grunt. It’s kind of awkward. However, if you fall asleep, I take that as a compliment. Never apologize for that.

But one thing I must say — and this is very, very important — is to speak up when you need something! I can’t express this enough. Usually massage therapists ask how the massage is so far, and we try to read body language, but we’re not psychic. If the pressure hurts, say so. If it’s not deep enough? Say so. Are you cold? Do you need to pee? Speak up! We want to give you the best experience possible, so we need to be on the same page to achieve that.

Bottom line: Bad tips piss us off. In a general sense, less than $10 for an hour session is a bad tip. Twenty percent of whatever the standard price is — not what you paid for your Groupon deal — is very kind and very appreciated.

I don’t know if people realize that many massage therapists are paid hourly, so we don’t make a lot. That tip is how we pay our bills and feed our family. Don’t just pay for the massage and lie to the receptionist that you took care of me already — that has really happened to me, many times. And if that happens, we put it down in our notes that you stiffed us. Many times, therapists will refuse to work on someone that is disrespectful to us.

On the other hand, a really good tipper gets the royal treatment. We go over our time (if possible), and add nice little extras like a longer foot massage, more hot towels, or aromatherapy, just to show our appreciation. Plus, word gets around when you tip well, so people will want to give you great service.

Unfortunately, most massage therapists will experience this at some point. I used to massage the husband of a regular couple’s massage client and he would have his erection prominently bounce up and down the whole session. Erections happen — we all know this — but this guy did it every. Single. Time. And it didn’t matter where I was massaging him. Another guy I massaged would get a boner and then lower the sheet so the tip peeked out — and was before I’d even touched him.

How to become a massage therapist in california

Male massage therapists are constantly under heavy scrutiny. One male MT told me with every session he has with a female client, part of him is nervous that she is going to perceive something sexual. Male MTs also have a harder time getting booked. Many female clients are afraid of sexual advances or feel more insecure about their bodies with a male MT, and some male clients are afraid they’ll “seem gay.”

Unfortunately, there have been cases of massage therapists being inappropriate, which makes it harder for the rest of us. Even when I tell people what I do for a living, some men will raise their eyebrows and go, “Oh, really?” We’re not prostitutes, guys.

Massage therapy has so many benefits, such as lowering blood pressure, reducing stress, helping injuries heal faster, among countless others. Overall, getting a massage can be an excellent way to take care of and reconnect with your body. And if you keep all of the above in mind, it can be an even better experience.

Trainer Licensing #how #to #become #trainer


Become a Springboard Licensed Trainer

Each of us can make our individual contribution in our own corner of the world, but by working in partnership with other professional trainers around the world, we can, collectively, have a much greater impact. As well as having the support and stimulation of working with other trainers from all walks of life. The foundation of the international network of Springboard Consultancy licensed trainers is the quality and success of our leading five day Trainer’s Licencing courses which provide trainers with a three year renewable licence, along with everything else you need to deliver the Springboard Consultancy programme of your choice, either as part of their own business, or as an in-house trainer within an organisation.

Add value by using your own staff as trainers

We work with best practice employers who have staff already ready to become trainers in house. Not only is this the most cost-effective option for the employer, but it also provides added professional development for the trainer. In evaluations, even very experienced trainers report that our trainers courses result in them raising their game for all the courses they run – not only ours. Having in-house trainers licensed is a very popular option for employers, giving the time and cost efficiency of having training skills in-house, whilst gaining the recognised professionalism and reputable success of Springboard Consultancy’s award winning specialist programmes.

Instant Development Programmes for Freelance Trainers

Becoming licensed to deliver Springboard Consultancy programmes will save you the time and hassle that we’ve spent in researching, piloting, writing and fine-tuning the material. We’ve done it, so you don’t have to! In just five days, you’ll get everything you need, so you could run a development programme the following day! It’s a time and hassle saving way of adding to your portfolio.

The Trainer’s Licencing Process

The process starts with you deciding which of our six development programmes you want to deliver:

  • ‘Springboard ’ women’s development programme
  • ‘Navigator ’ development programme for men
  • ‘Spring Forward ’ programme for people on the way up
  • ‘Fresh Steps ’ programme for people wanting to review and refresh where they’re going
  • BOOST programme for people in the early stages of their careers
  • Sprint development programme for undergraduate women and post graduate students

Courses are run throughout the year in the UK, either in our own residential training centre, or in regional conference centres /hotels. And occassionally overseas too. Visit our list of Course Dates to see what’s planned.

Alternatively, if you have more than four or five trainers whom you want licensed, it may be easier and more cost effective for you if we come to you. You provide the venue and the trainers and we ll provide the rest.

What Will I Achieve ?

When you complete the Trainer’s Course, you’ll get a three-year renewable licence to deliver the programme of your choice, along with permission to use our intellectual copyright and registered logo, your details on our website and an instant, international network of colleagues. In other words, you get all of the benefits and opportunities of offering a highly successful programme, without the need to research, design and develop it from scratch.
You ll also receive a certificate, exclusive to licensed trainers, in recognition of your achievement.

Barber Schools & Barber College Information: Education & Careers #barber #school, #barber #schools, #barber #college, #beauty #school, #beauty #schools, #barber #shop, #barbering, #become #a #barber, #find #barber #school


Barber School and Barber Schools Info

Why Consider a Barber School?

If you have a knack or passion for cutting, coloring and styling men’s hair – a career in barbering and men’s hairstyling may be perfect for you! And choosing one of the many reputable barber schools to get your education about styling men’s hair is the first step down that path. Becoming a barber is an ambitious, respectable career choice, and it calls for talented, driven individuals who are interested in fulfilling, challenging careers in men’s grooming. Find a barber school near you to get started on your education in cosmetology for men’s appearance services.

How Can Help You Further Your Barber Career offers several benefits for potential students who want to start a career in barbering. If you want to know what your training options are without searching countless websites, you can request information from multiple schools right here in one place. Plus, is a valuable resource that barbers rely on throughout their education and careers. Even those who are already working in the business refer to us for the latest news and information that’s relevant to their careers, and for continuing education and license renewal information. Use the search tool above to find barber schools in your area and compare your options. Then request information about the programs that interest you so you can compare and contrast the benefits to find the right one for you.

What You Learn in Barber Schools

In barber school you will learn a long list of traditional and mdoern barbering skills to get ahead in the male grooming industry. You will learn the basics and advanced techniques in cutting, trimming, coloring and styling men’s hair. You will also learn the art of the shave to perform facial shaving services and beard maintenance. A school of barbering will teach you about hairstyling, shaving, scalp treatments and possibly even fitting and adjusting wigs or artificial hair. Many barber schools will also teach you important skills in business management and marketing yourself as a barber, because many graduates of barber coleges go on to open their own independent barbershops. Of course, you will also learn about important sanitation and safety practices in barber school to keep a safe, clean shop for your clients. The length of a barbering program depends on how many hours your state requires to get licensed, so make sure to look up your state barber license requirements to determine how long barber school will be. To ensure you are getting the barbering education that matches your needs, request more information from the barber colleges and ask them about their programs before enrolling. To find out more about what you will learn in a barber school, check out this barbering program training guide .

Barbering Jobs and Careers

There are numerous barber jobs and careers to choose from. As you pursue your education at one of the many reputable barber schools available, you may find that you are especially great at a particular set of men’s appearance service skills. At this point you may decide to specialize in a niche barbering service such as luxury shaves, fades and braids, custom shave designs, and so on – though good professional barbers should be knowledgeable about all of these services. Many people passionate about men’s hair care or the classic barbershop tradition can do well in a barbering career with hard work and dedication. Barbers usually find jobs at barbershops, hair salons, the military, in the entertainment business, and some have even been known to land jobs at resorts or on cruise ships! Entrepreneurship is especially common in the barbering industry, as many barbers decide to go into business for themselves and be their own bosses.

Find Barber
Schools Near You offers you the ability to search for barber schools in your area to find a quality barbering institution that fits your needs. Upon completing your barbering program, you can obtain your state barber’s license and begin a rewarding men’s grooming career in a timeless industry.

HVAC Salary #how #to #become #an #hvac #tech


HVAC Salary

HVAC salary is influenced by several factors. The most significant is location, because factors such as variations in regional climate and need for air purification directly influence demand for HVAC techs to service heating, ventilation and air conditioning systems. Economic factors also vary widely by location, with urban areas tending to pay higher salaries and wages than rural areas.

Experience and specialization also impact HVAC salary on an individual level. HVAC technicians who work in newer technologies, such as solar energy and water heating, have less competition and may charge higher rates.

Another factor influencing HVAC salary is the scope of work contracted to the technician. Although most HVAC technicians are able to perform both installations and maintenance, those specializing in maintenance usually receive more steady work. This is because HVAC installation usually depends on the amount of construction being completed at any given time, while existing HVAC systems require maintenance year-round.

How Much do HVAC Technicians Make?

These are some general HVAC salary figures on a national level:

Maximizing HVAC Technician Salary Potential

There are several things an HVAC tech can do to earn the highest possible salary. By manipulating the factors that influence HVAC salary, technicians can ensure they are earning the highest pay they are entitled to.

Relocating Since location is the largest factor that influences HVAC technician salaries, techs can increase their pay by relocating to a state or city that pays higher rates for the same level of expertise. However, since living costs are generally higher in these areas as well, it is smarter to work in higher-paying areas while living in a lower-cost area within commuting distance. For example, HVAC professionals who service Manhattan but live in less expensive areas of New York benefit the most from Manhattan s higher salary rates.

Becoming Certified Attaining one of the available HVAC certifications is a good way for less experienced technicians to work their way up the chain by establishing themselves as experts in one or more areas of HVAC. Certifications make technicians more attractive to employers, allowing them to earn higher pay than uncertified HVAC techs.

Getting More Education Higher levels of education also make HVAC technicians more attractive to employers, with degree-holding technicians being more likely to gain more responsibility and higher salaries.

Learn the skills you need to succeed as an HVAC Technician � at home, at your own pace.

Become fluent in the mechanical and electrical processes of most common types of HVAC equipment.

Nurse Oncology Salary #how #to #become #an #oncology #nurse


Nurse Oncology Salary

Job Description for Nurse Oncology

A nurse in the oncology field deals with the treatment of cancer patients. The nurse may assist an oncologist and other physicians in providing care to inpatients or outpatients. This job can be highly stressful, especially when working with an emergency department and/or with terminally ill patients. Chemotherapy may be carried out to the patient by the nurse, as designated by the physician. The nurse will have to administer IVs through various methods. Medication may be administered by the nurse.

Education should be provided to the patients by letting them know about how to manage symptoms, what sort of therapies are available, what sorts of medication can be used, and what side effects may occur. Compassion should be demonstrated to the patient since the disease being faced could potentially be terminal. It is important to follow established company protocols and local and federal rules and regulations. The safety of the patient should be a priority at all times. Hygiene of the tools used and the area where treatment is carried out must be maintained by the nurse. The nurse should be able to work well with other medical providers to be able to communicate about treatments that are administered.

Physical strength is necessary, as the nurse will have to stand and walk for long periods of time, and he or she may have to assist patients with mobility. The nurse should have graduated from an accredited school of nursing and should have proper licensing.

Nurse Oncology Tasks

  • Adapt and provide nursing care for patients undergoing oncology treatment and monitoring.
  • Design outpatient care plans and communicate with patients and families about updates and changes.
  • Educate and council patients and families on medical information and treatment details.

Nurse Oncology Job Listings

Search for more jobs:

Popular Skills for Nurse Oncology

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

Oncology Nurses report using a wide range of professional skills. Most notably, skills in INFUSION, Pediatrics, Chemotherapy, and Oncology are correlated to pay that is above average, with boosts between 5 percent and 12 percent. At the other end of the pay range are skills like Hospice, Acute Care, and Medicine / Surgery. Most people familiar with Acute Care also know Medicine / Surgery.

Pay by Experience Level for Nurse Oncology

Pay by Experience for a Nurse Oncology has a positive trend. An entry-level Nurse Oncology with less than 5 years of experience can expect to earn an average total compensation of $58,000 based on 185 salaries provided by anonymous users. Average total compensation includes tips, bonus, and overtime pay. A Nurse Oncology with mid-career experience which includes employees with 5 to 10 years of experience can expect to earn an average total compensation of $67,000 based on 124 salaries. An experienced Nurse Oncology which includes employees with 10 to 20 years of experience can expect to earn an average total compensation of $74,000 based on 114 salaries. A Nurse Oncology with late-career experience which includes employees with greater than 20 years of experience can expect to earn an average total compensation of $76,000 based on 112 salaries.

Related Job Salaries

How to Become a Social Worker #how #do #i #become #a #licensed #social #worker


How to Become a Social Worker

Social workers make a positive difference in the lives of people facing day-to-day challenges. They help at-risk individuals, couples, families and groups access a variety of assistance programs, including income and employment support. Depending on the level of academic qualifications, social workers can find jobs in health care, child and family support or education.

Acquiring the Knowldege

Academic requirements for social workers vary with the field of specialty. Although the vast majority of social workers enter the profession through a bachelor’s degree in social work, sociology or psychology, clinical social workers require at least a master’s degree. Individuals with a bachelor’s in nursing or counseling can also pursue a master’s degree in social work to join the profession as health care social workers or mental health and substance abuse social workers, respectively. Importantly, all social work degrees must be accredited by the Council on Social Work Education.

Mastering the Skills

Beyond the education, social workers need excellent skills in analyzing, problem-solving, planning and communications to be well-rounded professionals. Their job involves assessing the needs of individuals and communities, identifying suitable remedial measures, advising clients on how to cope with various issues and sharing information with practitioners such as nurses and human services managers. Other essential competencies include empathy, compassion and the ability to address situations without being judgmental.

Earning the License

Social workers must be licensed or certified to practice in their state. Although requirements vary by state, prospective licensees generally need to be holders of an accredited bachelor’s degree in social work, pass a criminal background check and pass a written examination. Clinical social workers must have a master’s degree and at least two years’ of supervised experience. The National Association of Social Workers offers certifications in a range of fields, which social workers can obtain to enhance their chances of taking their careers to the next level.

Landing the Job

Qualified and licensed social workers can find jobs in hospitals, nursing and residential care facilities, schools, ambulatory health care services and grant-making organizations. With vast experience and advanced qualifications in public administration in social work, some workers become social service managers, while others take up policy-making positions in government agencies, such as the U.S. Department of Health and Human Services. With the Bureau of Labor Statistics projecting a 19 percent job growth for social workers from 2012 through 2012 — almost twice as much as the 11 percent average for all occupations — expect plenty of employment opportunities.

How Do I Become a Certified Database Administrator? #database #administrator #online #degree, #how #do #i #become #a #certified #database #administrator?


How Do I Become a Certified Database Administrator?

There are many certifications available for becoming a certified database administrator. Many of these certifications are offered by database vendors themselves. By passing a series of tests and sometimes other requirements, you can earn a database administrator certification, which enhances your skills, portfolio, and job prospects. Schools offering Database Administration degrees can also be found in these popular choices.

Certification Overview

Many vendors, such as Microsoft and Oracle, offer certification for their Database Management System (DBMS) software. To prepare for the certification exams, there are books, classes, and online resources available from the vendors and others.

Important Facts About This Occupation

Product vendors like Microsoft and Oracle offer DBA-level certifications in their respective database management systems

Problem solving, analytic ability, excellent communication skills

Information Systems Manager, Information Security Analyst, Database Developer

Microsoft Certifications

Microsoft offers Microsoft Certified Database Administrator (MCDBA) certification in two platforms: Microsoft Certified Solutions Expert (MCSE): Data Platform and Microsoft Certified Solutions Expert (MCSE): Business Intelligence. The data platform certification has been designed for and is recommended to those who develop large-scale data networks for businesses either in an office setting or remotely. The business intelligence certification, in comparison, is designed for database professionals who focus on efficiency and solution-based projects and reports.

Oracle Database Certifications

Oracle offers database certification in its different DBMS versions, including 11g, and 12c. Each version offers three levels of certification, including the Oracle Certified Associate (OCA), Oracle Certified Professional (OCP), and Oracle Certified Master (OCM) credentials. OCA is foundational, OCP is more intensive, and OCM is the most rigorous certification.

MySQL Certification

The Oracle Corporation offers the courses for the Oracle Certified Professional, MySQL 5.6 Database Administrator (OCP) Certification to those who want to demonstrate high-level expertise in the MySQL Server platform. This certification includes mastery of setting up databases, optimizing MySQL database performance, and administering security and replication processes.

To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

The schools below may include sponsored listings but are popular choices among our users.

10 Steps to Becoming a Nurse – Nursing Link #how #to #become #a #rn #nurse, #ten #steps #becoming #nurse #step #1: #learn #about #nursing #benefits #articles


10 Steps to Becoming a Nurse

Beth Anderson, RN

Do you want to become a nurse but don’t know where to start out? This 10-step guide will help you find your way. You ll learn about the nursing profession, find out about the educational requirements and certifications, and get tips on how to survive your first year as a nurse. This guide is meant for prospective, current, and second career nurses everyone can use this valuable information!

Click on the links below to access a comprehensive description for each step.

Would You Pass the NCLEX?

NCLEX Review: Part I
NCLEX Review: Part II
NCLEX Review: Part III
NCLEX Review: Part IV
NCLEX Vocab Review
NCLEX Math Review

Step 1: Learn Everything You Can About The Nursing Profession

Step 2: Find Your Path to The RN Title

Step 3: Choose the Nursing School That Fits You

Step 4: Get into the School of Your Choice

Step 5: Survive Nursing School

Step 6: Decide on a Nursing Specialty

Step 7: Pass the NCLEX

Step 8: Consider Possibilities for Your First Job

Step 9: Get Hired

Step 10: Get Prepared For Your First Year As A Nurse

Still have questions? Check in with the pros and compare notes with students in our Student Lounge forum.
Kick-Start Your Nursing Career:

NursingLink School Finder

Save time in your search for a degree program. Use NursingLink’s School Finder to locate schools online and in your area.

Mortgage Broker Training Courses – Diploma – Cert IV #become #a #mortgage #broker, #mfaa #fbaa #accredited #mortgage #broker #accreditation #training #cert #iv, #fns40815, #become #an #mfaa #accredited #mortgage #broker, #credit #advisor #career #in #mortgages #finance, #finance #association #of #australia, #mfaa, #fns40815 #certificate #iv #in #financial #services, #mortgage #broking, #mortgage #course, #credit #advisor #course, #sydney #melbourne, #brisbane #mortgage #careers, #training, #broker, #preferred #trainer #broker #training, #mortgage #broker #training, #australia, #finance #training #mortgage, #recognised #course, #mortgage #franchise #training #mortgage #certificate, #iv, #mortgage #broker, #mortgage #industry, #mortgage #finance, #certificate #iv, #finance #mortgage, #finance #broker, #industry #associations, #broker #training, #finance #association #australia, #association #australia #mfaa, #mortgage #finance #broker


Broker Training Couses

Specifically designed to get you started and help you advance within the Mortgage and Finance Industry.

How do you become a mortgage or finance broker? Start or expand your career in the finance and mortgage industry or simply improve your skills as a broker?

ExperiencedBroker Requiring Certificate IV or Diploma – Click Here

Mortgage Broker Training provides courses to get you started as an Australian finance or mortgage broker. The main industry requirement to become a mortgage broker or credit adviser is a FNS40815 Certificate IV in Finance and Mortgage Broking. Even experienced brokers are now required to have the Certificate IV in Finance and Mortgage Broking under ASIC requirements for licencing, MFAA guidelines. FBAA guidelines and to become accredited with lenders.

The Certificate IV in Finance and Mortgage Broking enables you to become accredited with lenders and the industry associations – the Mortgage and Finance Association of Australia, MFAA and the Finance Brokers Association of Australia – FBAA. The Certificate IV will also meet the educational standard of the National Consumer Credit Protection Act – NCCP (Federal licencing requirements).

The MFAA also require current members to hold a Diploma in Financial Services (Mortgage Management) and new entrants to either currently hold the Diploma or be enrolled to complete the Diploma.

The courses offered are all nationally recognised within the Australian Mortgage Finance Industry by Broker Groups, Industry Associations and Australian Lending Institutions.

This is the starting point for your career as an Accredited Mortgage Broker or Credit Advisor.

If you are wanting to enter the industry, some Broker Groups and franchises will offer training courses, however you need to commit to them prior to the training, often paying large franchise fees before you can join or really understand the industry. Learning about the industry and achieving industry and government recognised qualifications gives you the knowledge prior to committing to a group or paying franchise fees. By completing one of these courses you obtain the educational requirements and knowledge of the mortgage industry first. Then with an understanding of the industry you can choose where you want to start in the mortgage industry. – Whether with a franchise, a mortgage group or independently.

So how do you become a mortgage broker?

The industry associations requirements to become a broker include completion of a Certificate IV in Finance and Mortgage Broking – (FNS40815) and under MFAA requirements, from the 31st of January 2013, all current members will require the Diploma to stay compliant with guidelines – New members require the certificate IV and to obtain the diploma within a year of joining. The National Consumer Credit Protection Act RG206 implemented during 2010 also has the Certificate IV as a key educational requirement.

On completion of this course, not only will you gain the required educational standard but gain meaningful hands on experience. All our trainers have had years of real experience in the mortgage industry. You also have the ability to apply to the MFAA as an Accredited Mortgage Broker (AMC) or FBAA provided you meet their other requirements.

Courses are available face to face monthly in Sydney, Melbourne and Brisbane, and other capitals and regional centres or by distance learning or electronic media. (See course Schedule for details )

On completion of the course we can even put you in touch with groups to get you started.

This course could also be the starting point of a range of career opportunities and jobs including: