Making certain Reliability At Least Cost To Consumers In The Transition To A Low

Verify to see if the state is holding money or property that belongs to you, a family member or pal. Every year, state auditors span out across the New York, assuring monetary institutions and other businesses turn over thousands and thousands in dormant accounts to the state to guarantee the funds ultimately get into the fingers of their rightful homeowners. Even these consumers meticulous about their budgets might have missing money lingering in a state property fund. In 2015, the IRS reported that almost $1 billion in refunds were nonetheless ready to be claimed by individuals who had not filed 2011 returns.

The Proceeds of Crime Act (POCA) provides police forces the power to confiscate money sums upward of £1,000 ($1,300) which they suspect has come from or is intended to be used to commit crime. three. Search federal tax refunds. The U.S. Department of Veterans Affairs has a function on its web site that enables veterans and their relations to seek for unclaimed insurance coverage funds. Matches money sitting in state coffers nationwide with the individuals it might belong to. We typed in Logan’s name and he or she was on the checklist, and so was the money owed to her from MetLife.

Find out if there may be any unclaimed property in your identify or your business’ identify on the Division of Revenue web site. Last 12 months, the treasurer’s workplace and legislators efficiently returned greater than half of the unclaimed property money in the state. That, primarily, is what happened to a man in South Carolina who obtained a telephone name from the state treasurer, Curtis Loftis, informing him that he was entitled to more than $763,000 in unclaimed money.

People move, cellphone numbers change, addresses get misplaced. Australia has a problem of “lost” superannuation accounts as a result of individuals who have had multiple employers end up with quite a few different accounts and lose monitor of them. Overbid proceeds: If a foreclosed residence or tax lien for delinquent taxes is offered at public sale for a worth above the money owed, the previous property proprietor is owed the so-known as “overbid proceeds,” which are sometimes held on the county degree.

Stay Informed About Unclaimed Property. 3. Search federal tax refunds.

Millions of unclaimed property are in Alaska waiting to be claimed. Because it turns out, there are boatloads of dollars in unclaimed money given to states every year. Final year alone, Mainers lost more than $20 million in unpaid wages, forgotten financial institution accounts, dividends, settlements, insurance coverage insurance policies and quite a few other sources. In Ohio there is a class action lawsuit in which the residents who’ve found unclaimed funds and lacking money in their title are demanding that the state return all curiosity that was gained from the state investing with their unclaimed funds.

Some persons are owed severe cash. Greater than $300 million in pension advantages is at present owed to some 38,000 people, in keeping with the Pension Benefit Warranty Corp. 1. Searches for accounts in monetary institutions and firms that have had no activity generated or contact with the proprietor for one 12 months or a longer interval. There are numerous things that can make up unclaimed property,” stated Greenberg.

If government or companies owe you money and it is not collected, than it is unclaimed. The states should preserve your money and return misplaced funds. A lot of different accounts are value greater than $30,000. Whereas most lost money belongs to individuals, businesses may also seek for and declare property which have gone lacking. Virtually each state has a program to present back unclaimed money. Mohammed Tahir Malik, the chief executive of Anaya Aid, a charity which was involved in organising a convoy of more than one hundred ambulances in April, said that Kent Police had confiscated 23,000 euros ($27,000) and £1,500 ($2,000) in money even if he was carrying receipts proving that the money belonged to the charity and a letter from trustees confirming that he was authorised to hold it.

Matches money sitting in state coffers nationwide with the folks it could belong to. We typed in Logan’s identify and she was on the list, and so was the money owed to her from MetLife.

Wood Business Card Holder

Polished silver tone end enterprise card holder featuring the interlocking SD Spear brand etched on the entrance. You can too select from a wide range of single pocket, multi-pocket and tiered card case holders to carry any quantity they need. Our Poppin Business Card Holder holds your professional details in style. Prime-load design makes it quick and straightforward to immediately replenish your small business card provide. Our contact data circumstances are also bought in wooden finishes With their natural finish, wood enterprise card holders create knowledgeable presentation that is excellent for any commercial workplace.

The Business Card Holder is the proper companion for enterprise trips. Should you’re not happy with the normal and on a regular basis chrome steel design, that is the enterprise card holder for you. Doubles as travel wallet due to its four extra slots for business and credit cards, ID and money. FFR’s Enterprise Card Holders allow your title and business data to be visible from a distance. It could possibly maintain upto 50 visting cards at one time.

Genuine leather business card holder, debossed with the Zippo emblem. It is the enterprise card holder that you simply whip out, which is able to make you unforgettable. If an order is placed after these instances, it will likely be processed the next enterprise day. We’ll then ship all of your objects to the installer, who will contact you inside 3-5 days of receiving the product to schedule a delivery time. Sometimes, the traditional ones are slightly more protecting in your playing cards, as the leather-based-only holders will are inclined to bend with minimal stress the identical as your pockets can, which may damage your cards resting inside.

These cards should be saved in a sturdier and more professional holder.

Hold your precious contacts in an acceptable holder. Medallion Business Card Holder: gold-plated brass with 23K gold-plated brass medallion. Our area saving clear countertop eight pocket business card holder fits normal sized enterprise playing cards or present cards. This is why most playing cards have historically been saved and carried in equally refined and stylish instances, embossed and engraved using treasured metals, ornaments, and luxurious fibers.

Four further compartments for cash, bank cards or ID will let you use it as useful wallet. Your product shall be shipped to its last vacation spot to arrive in 2 business days or faster. Also useful for carrying your driver’s license, credit cards, I.D. playing cards and many others. There are card circumstances so skinny, they slide effortlessly into even the tightest pockets, however there are additionally the traditional sized holders which require the soundness of the metal inside.

House Pockets Enterprise Card Holder made of top quality genuine leather-based. A tough, glossy case this Business Card holder flips open for easy access or fans out to show your playing cards in full effect! High quality enterprise card holder for professional use. The product has a superb texture and cozy tactile impression, capable of maintain greater than 25 enterprise cards. For instance, my grandfather, who has been retired for many years, still has visiting playing cards which he fingers out ought to he wish somebody to have his contact info.

The Exacompta Exactive® Exacard Enterprise Card Holder features clear pockets that can accommodate business playing cards, making it convenient to hold whereas travelling. EASY TO OPEN AND CLOSE and holds about 15 enterprise playing cards. Straightforward to open and shut and holds a very good amount of enterprise cards, not bulky, tremendous slim so it’s easy to take with you whether or not in your hand bag, purse, briefcase or simply in your pocket.

Our Sardinia business card holder features a stylish, Indian paisley print in a palette of contemporary colors which will absolutely add pleasure to any dwelling or workplace.

Masters In Finance

Masters of Science in Accounting and Finance will allow the students to build the information and be taught these analytical abilities which are wanted to design and implement the administration system that’s used to plan and management a agency’s efficiency. Latest UHCL graduates have discovered employment within the fields of corporate finance, commercial banking, financial planning, funding banking, cash administration and actual estate funding. Packages: This selection will perform a keyword search over the names and descriptions of degree packages provided by the University. As a STEM program (Science, Know-how, Engineering, and Math) our MSFA provides a mix of disciplines in science, technology, engineering and mathematics with business and finance.

Any hours from the previous grasp’s diploma must have been earned in the course of the six years (18 fall, spring, and summer season semesters) immediately previous the date on which the second diploma is to be awarded. Go public together with your new finance master’s degree. Graduate-degree finance jobs in business require workers which might be educated in lots of areas of finance, including company finance, worldwide finance, monetary modeling, investments, and by-product securities.

2. To assist established monetary professionals to advance in the workplace, construct on and update their abilities and data, or change career specialization. The applications emphasize information, skills, and strategies helpful in designing and sustaining efficient organizations. The Grasp of Science in Finance is tailor-made to cultivate competent and highly-educated finance professionals who possess robust, state-of-the-artwork technical information, and financial communication abilities.

The M.S. in Finance Program is delivered through the Stephen L. Hawk Center for Investment Analysis The Hawk Center helps deliver a difficult, comprehensive Applied Safety Analysis Program (ASAP) that prepares college students for careers in funding administration. Furthermore, the growing measurement and complexity of the Philippine finance sector has created the need for a specialised degree program in finance.

Four tracks allow you to focus your grasp in finance to suit your career targets.

The sixteen-month Grasp of Science in Finance (MSF) program is specially designed to permit individuals to proceed their skilled obligations whereas earning an AACSB-accredited Master of Science in Finance degree. Our undergraduate packages in enterprise and accounting rank among the many nation’s best. The Master of Science in Finance program connects students to a global network that will yield profession-extensive – and lifelong – advantages. To use, merely contact an admission counselor , who may also help you discover financial choices Your counselor also can stroll you thru the application course of, which involves finishing a graduate software ($40 payment) and offering undergraduate transcripts.

When requesting that TOEFL scores be sent to the Katz Graduate School of Enterprise MS in Finance program, the college code you must provide to ETS is B157. On the grasp’s stage, Walden College’s Grasp of Business Administration (MBA) and MS in Accounting are the one packages accredited by the Accreditation Council for Business Colleges and Programs (ACBSP). Earlier equal undergraduate or graduate coursework may qualify college students to exempt any of the muse programs.

By the LSU MS Finance Program, college students have the most recent and most superior instructional assets at their fingertips. The Grasp of Science in Finance (MSF) is a 10 course, 30 credit score degree program. These seeking to get into a career in finance often are inspired to continue their research by earning a Master’s diploma in enterprise administration (MBA). Our Graham Workplace of Profession Administration will assist students in their career development process and employment success by working carefully with employers who search world-ready interns and graduates.

MSF graduates are prepared to work as monetary analysts, threat managers, financial managers in corporations, funding bankers, valuation analysts, personal fairness analysts, bankers and consultants.

Purchase Idaho Dental Insurance Online

Listed below are the six greatest insurance coverage firms that provide dental cowl based on ratings from unbiased monetary overview firms and customer reviews. This implies the perfect way to decide a discount plan’s value is to have a look at the charges for particular procedures you think are more likely to occur in the coming year—which unfortunately isn’t at all times doable. Our plan is designed for professionals, small business owners, farmers and others not covered by a bunch well being and dental plan. Medical insurance coverage, most of the time, saves you money within the short and long run.

But you may’t get dental coverage by itself. However, bought privately, dental insurance is usually a enormous waste of cash if your plan would not match your needs. In some states Obamacare forces you to purchase a pediatric dental insurance plan. Plan sponsors ought to decide whether or not or not their current dental plan is exempt from the Inexpensive Care Act. Dental insurance is designed to offer you protection for widespread dental care points and that can assist you funds for dental services at all levels, preventive, fundamental and major.

Krista Johnson of Ashland, says the plan, which covers her, her husband and two youngsters, is great, you really save money. Be sure you learn the plans fastidiously. There are a couple of dental insurance coverage carriers that supply baby only insurance policies Though most youngsters are covered beneath a family coverage by a mum or dad or guardian. Another advantage of dental financial savings plans is that they offer discounts on services that conventional insurance doesn’t cover, together with orthodontics, and restorative and cosmetic work.

Already enrolled in a Cigna Particular person or Household medical plan?

As a global scholar, finding out in the USA we at all times actively encourage you to ensure you have a dental test-up before you journey overseas and make sure any main issues are taken care of earlier than you travel. You actually do have many, diverse options with dental insurance plans, and there’s a coverage for everybody. Most pediatric dentists advocate that a child must be seen by their first birthday. It’s best to know, nonetheless, that most dental insurance coverage don’t cover cosmetic dental remedies such as teeth whitening or porcelain veneers (although veneers could also be partly covered in the event that they’re thought-about needed for health causes).

Whereas the pain might make the situation very urgent for the patient, once the ache is relieved, the next therapy might be carried out rapidly or slowly depending upon the expectations of the patient and the provision of the dentist and your dental plan protection. Making an attempt to get insurance to supply retroactive coverage is mainly insurance fraud. Pair your protection with a flex spending or health savings account to cover main objects like braces and dentures.

Whether or not you buy family or individual dental insurance coverage, you are going to have at the least a few things which can be excluded from your coverage. They may be extraordinarily enticing for sufferers with insufficient dental health insurance, and the financial savings far outweigh the price of the low cost card. You’ll additionally get to take advantage of monthly premium funds which might be lower per individual than in case you had been to signal everyone up for their very own private dental insurance coverage plan.

At Towncare Dental, we provide most dental services, from primary preventative care and general dentistry to specialised procedures and full dental reconstruction.

International Touchdown

File revenue tax, get the revenue tax and profit bundle, and verify the standing of your tax refund. All told, it takes me about a week to file and I was hoping that the accountant would save me that point. But I’ve one job, one W-2, and a retirement account, so I am a great customer for online tax software because I haven’t got plenty of nuance to my taxes. If you’re self-employed and make less than $33,000 a year, absolutely use TurboTax Freedom Version You possibly can’t afford $seventy five-a hundred and twenty for the Home & Business Model.

Any Retail Reload Payment is an impartial payment assessed by the person retailer only and isn’t assessed by H&R Block or BofI Federal Financial institution. The accountant prepares and file all of our taxes for us. All we have now to do is present him with all the crucial data. TurboTax calculations are one hundred% accurate so your taxes will probably be completed proper, assured. Best of all, the Lively Auditor presents its overview of your return in plain language-not tax jargon.

• TurboTax Help and Assist: Access to a TurboTax specialist is included with TurboTax Deluxe, Premier, Self-Employed and TurboTax Reside; not included with Free Version (however is offered as an improve). Do you know you should utilize your E1-5 military W-2 form to get free federal and state filing from TurboTax’s Free Version and Deluxe? Fewer errors: Electronically filed returns have a two p.c error charge, in comparison with a 20 % error price for paper-filed returns.

Mint comes from the makers of TurboTax®, trusted by tens of millions yearly with their most sensitive data. It maintains a database of 350 deductions and credits, and runs an accuracy check earlier than submitting your taxes. Let’s get one thing out of the way in which up entrance: you are going to pay to file taxes as a business with Turbotax as opposed to the free service they provide for people. See should you qualify to file income tax returns without cost.

The base version I consider is free for the federal submitting.

File income tax, get the income tax and benefit package deal, and examine the standing of your tax refund. The Audit Danger Meter checks your tax return for widespread audit triggers and reveals whether or not your threat is high or low. Beneath are the minimum requirements for TurboTax Federal 2017 software put in on a Mac computer. More efficient: You can put together and file your federal and state tax returns at the identical time. Expense Finder and ItsDeductible are designed partially for you to use after the April deadline, to turn into yearlong habits that will make next yr’s taxes easier — and, after all, to keep you using TurboTax.

TurboTax coaches you every step of the best way and double checks your return as you go, so that you could be confident your corporation taxes are performed right. We will conveniently deduct any TurboTax preparation fees out of your federal tax refund and have the remaining balance deposited straight into your checking account. So long as you don’t count on that stage of personalization or comfort, TurboTax Business makes a robust case with their nice customer suggestions.

#1 greatest-selling tax software: Based on aggregated sales information for all tax year 2015 TurboTax merchandise. The primary downside to TurboTax is that state filings aren’t included within the already larger-than-common worth of $159.ninety nine. It’s going to price you $fifty four.ninety nine extra, but, fortuitously, you can import all of your federal data that’s applicable to your state taxes as nicely. It is Tax Day, and in case you are one of many 50 million people who prepared your taxes online this year, you may need seen an option to talk to an accountant in the event you were having issues.

About TurboTax product consultants: Buyer and product telephone support differ by time of yr. With TaxAct you’ll need to buy a separate model for each business. Non-Faulty Returns – If you happen to want to return an item for causes aside from a defect, it’s possible you’ll return the item for a refund, less authentic transport fees. • Tax Return Entry and My Docs features: Included with TurboTax Deluxe, Premier, Self-Employed, TurboTax Reside or with PLUS benefits.

Take a look at our latest tax ideas, our unique coupons for tax prep software from TurboTax, H&R Block and TaxAct, in addition to their latest free variations.

Create An Editable PDF Business Card Design Template In 7 Steps With Adobe Acrobat

The meteoric rise of on-line networking has modified the way in which we build our profession circles. Design and printing providers might be very costly, but Adobe Spark allows you to make your individual enterprise cards free of charge. Except you spend all of your time lurking across the buffet table, there is a good probability that you’re going to go home with a variety of business playing cards. The principle goal of exchanging business playing cards is to share contact info in a straightforward to eat manner.

Primary Contact Info: Phone, email, deal with – select the contact method that best suites you. Once your obtain is full, you will have speedy entry to your new free templates to make as many modifications as you prefer to the structure, colors and footage. This card cannot be printed internally as a result of constant alignment of the card (which prints to the very fringe of the paper) can’t be ensured using perforated business card stock.

For a business card template that is the proper match, contact your native Snap Centre. Our enterprise playing cards are of the very best high quality obtainable in the market place in the present day. Here is a world map enterprise card template with rounded corners that sticks to the theme. Additionally, you could find some really nice concepts about business playing cards templates on the web in the type of stuffed and even clean enterprise card templates.

Not solely does your corporation card have to convey belief and a transparent message about what you do, it also needs to list important contact info so individuals can get in contact. These formally branded cards embody your title, title and phone info, permitting potential members to easily join with you if they’ve any questions. Although the templates listed here are offered by Meng Loong of (listed above), the location owner claims that the designs are unique and unique only for his website.

This card works effectively for adding a brand that requires a white background.

The meteoric rise of online networking has changed the best way we construct our profession circles. Vertical enterprise cards are positive to catch the eyes of your customers and prospects, standing out against conventional business playing cards in a big approach. These kind of business card designs may stand out, however presumably in a damaging approach for being distracting and distasteful. Now, there are many on-line companies that make cool enterprise playing cards. As we told you at first, now you can make use of know-how in enterprise cards as nicely.

If you would like a colourful, fashionable enterprise card, then this geometric design is an superior alternative for a wide range of businesses. You may make adjustments to colours, change to your brand, swap out comparable icons, or edit the text, however take care not to break the format design. Except you work for a Fortune one hundred firm, it’s doubtless that your company logo is not recognizable to most people. Create wonderful business playing cards by customizing these simple to use templates.

This can deliver up quite a lot of free templates that you can use for business cards. If you do worldwide business, add the country code to your cellphone numbers as well as the country to your tackle. Select from our ready templates and libraries with over eight,000 photographs. When you don’t think a design seems to be precisely the way in which you need it to, no drawback- you may easily modify the template any way you need with simple-to-use modifying tools.

These business card templates are all absolutely customisable so you can create the precise design you’re on the lookout for. Click on New” and choose Business Playing cards” from the template list.

10 Text Message Advertising and marketing Ideas For Nonprofits

Ship cell coupons and special gives, beat off-peak downtime, upsell higher margin merchandise, inform prospects of hours, areas and new merchandise. Sending bulk SMS online can reach specific shoppers that conventional marketing communication merely can’t. Cellular is the place we experience the majority of marketing — and it is the lens by way of which we view every advertising message. For markets and farms using FarmFan, we encourage the usage of the time period FarmFan” to check with prospects who sign up for textual content messages. The subsequent technology of text message advertising is right here, and now’s the time to start out connecting with customers in a new approach they’ll love.

Regardless of who you are making an attempt to reach, it is a dangerous idea to ship messages in the course of the evening or early morning. TextMail allows you to send your textual content messages from any e-mail system, and if you’re particularly in search of a tool for Microsoft Outlook, our TextOMS answer works perfectly with Outlook’s Cellular Service allowing you to ship your text message advertising campaigns immediately, and right away.

Text messages have the highest read price of all social media & other forms of advertising. Use textual content message advertising to attract new prospects, instantly attain gross sales prospects or send service status updates. Whenever you call them, remember to have the quick code number and once you acquired the textual content message spam helpful. Text messaging, particularly SMS advertising and marketing, is about creating motion.

Loads depends on the type of messages you send to your customers.

You must solely receive advertising and marketing communications by e-mail or textual content message you probably have given your specific consent to obtain them. In the early 2010’s, The FCC modified its TCPA regulations to account for text message marketing, resulting in what’s now often known as a double choose-in” for an individual to hitch a text message advertising record. For our concierge digital agency shoppers, you’ll receive the perfect type of messaging for your business – SMS, MMS, or app push notifications. Bulk text messaging cuts through the clutter and delivers a message right to your buyer’s pockets.

Mail the brochures to businesses in your space that is perhaps serious about benefiting from SMS advertising. Cellular Advertising puts your message literally within the palm of your customer’s hand. Example: American Eagle allows clients to sign up for SMS alerts on the cellular web site at their very own time. Let them know how many messages they will anticipate to receive monthly. Prospects are providing you with permission to contact them instantly, so make certain you might be utilizing direct and concise language so there are no surprises after they obtain their first text.

You would not want to receive an automated text message from a enterprise at eleven:30 at evening, would you? Import your contact listing together with cell phone numbers, create a filter to pick a portion of your contacts, schedule your campaign, and analyze the results in detail. The information on cell and text message advertising in real property all point to you needing to be there. Keywords and brief codes are sometimes the simplest instruments to draw new clients.

You could treat your messages as private texts from you, your organization, mascot, or whomever. For those who observe the text message checklist in the infographic below (here’s the link to the unique text message advertising checklist ), your messages are much more likely to be impactful and move your customers to action. We have labored on lots of SMS campaigns, and while many distinctive campaigns have generated nice outcomes, there are three sorts of campaigns that always seem to work the most effective.

Include a hyperlink in your textual content marketing campaign and drive folks again to your website to capture a lead or generate a sale. Ship SMS on-line utilizing your corporation identify to promote model identity.

Bachelor Of Enterprise Administration, Course Checklist

King University’s on-line Bachelor of Enterprise Administration degree program provides a possibility for present or future professionals to develop their information and advance in their careers. Financial help: University of Florida Online students are eligible for consideration for federal, state and institutional support together with the Bright Futures scholarship for Florida residents solely. A capstone venture in strategic management is also required, which duties students with creating a new business strategy or an in-depth evaluation of an present one. Undergraduate tuition is $375.00 per credit score hour, making it one of many least expensive on-line non-profit management diploma packages accessible.

Buena Vista College has bachelor’s and grasp’s levels available for online students. Colorado State University’s World Campus was based in 2007 and is the primary impartial, totally on-line state school in the country, serving more than 12,000 distance learners each year. Among many business skills and methods learned in this packages, graduates will have the ability to efficiently demonstrate proficiency in the elementary business ideas and practices that allow firms to function in each home and global environments.

Foothill School offers online enterprise administration courses at the least as soon as every two years. A bachelor’s degree in a related area of business is typical for gross sales managers, and most of these professionals have ample experience as sales representatives themselves, the BLS explains. Program Particulars: Everglades University offers an accredited on-line Bachelor of Science diploma in Enterprise Administration.

NTC’s partnership with Lakeland College permits college students to seamlessly transition into a versatile on-line bachelor’s diploma program. Graduate-degree business levels put together students to steer, run, or start companies. Online applications are versatile, allowing working professionals to earn a degree as they advance their careers. Offered utterly online, the program consists of sixty three semester hours, which embrace normal lessons, core curriculum, and strand” programs.

We are able to accept many switch credit from regionally accredited schools.

The Bachelor of Arts in Enterprise Administration degree on-line is designed to provide students with the skills necessary to pursue and develop effective business practices. All college students complete one hundred twenty credits and, regardless of their location, pay $277 per credit score for a complete degree price of $33,240. The UCSP 615 requirement may be waived should you beforehand earned a graduate degree from a regionally accredited establishment. Accreditation: University is regionally accredited by The Higher Learning Fee (HLC) of the North Central Affiliation of Faculties and Faculties. With an motion primarily based studying model, college students will get the expertise they want to achieve today’s demanding enterprise world.

Each faculty or faculty creates a set of Program Scholar Learning Outcomes (PSLOs) to explain the data, skills or attitudes that students will possess upon completion of this system of study. Regardless of the place you reside, you possibly can count on nice pupil help from McKendree College as all online students have an advisor from the beginning of this system to the end. Earning a level from Florida Worldwide College includes working closely with faculty mentors and advisors, as well as classmates, creating a extremely concerned online tutorial group.

Students may additionally want to study abroad in one of the 13 international locations with whom UIW has developed overseas packages. Students take programs like moral points in enterprise, hotel and lodging management and operations, introduction to hospitality, organizational habits and management, income generation for hospitality, and strategic administration. This centered and challenging program offers college students the instruments necessary to strategize and execute strong, financially sound, and worthwhile business tactics in a quick-paced global market.

Programs include such intriguing matters as, The Leadership Problem,” Strategic Thinking,” and Human Side of Organizations.” Students who do well in the program could also be eligible to move onto the Doctor of Government Leadership program. Along with some pre-core programs, the curriculum consists of enterprise core courses equivalent to Financial Administration, Introduction to Data Techniques, and Strategic Management as well as major courses like Organizational Habits and Human Resource Administration.

Start this system within the fall, spring, or summer time term and progress by the coursework at your individual pace with entry to many supports and resources particularly for online college students.