AnneOnCollege.net

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Okay, this isn't your typical 'What I Learned Wednesday' type of post, but I am so excited I can hardly contain myself. I was really happy to be getting a month and half off from school before my final class. Now is the time for family and the holidays are upon us. And I was so grateful not to have class the week of Thanksgiving. All of that changed yesterday.

For those who haven't read my previous posts, I attend Keiser University as an online student. Keiser is very unique in that you take one class every four weeks instead of 4 - 6 classes for three months at a time. This works out to be 12 classes a year since we get 2 weeks off for Winter Break, 1 week for Spring Break, and 1 week off between summer and fall semesters. I have been attending Keiser since July 2007 and am ready to be done.

I was to have a month and a half off with my last class starting January 4, 2010. But yesterday my academic adviser contacted me and offered to switch my last management class for another accounting class. So, now I don't get the break, but I will be finished by mid-December and will graduate this year!

Now to really hit the want ads and look for a job. Those student loans will be due one month sooner. And this means 2010 will start with a brand new ~ more educated ~ me!

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Today was much like any other day since I lost my job a year ago [it was a year last Wednesday]. I woke up after everyone else had gone for the day [work, school] and reheated some coffee. I let the dog out, then proceeded to check my email.

I now have a few more email addresses and am juggling several blogs. This year I am actively participating in NaNoWriMo [National Novel Writing Month]. I am pleased to announce that as of yesterday I had written 20,085 words of the 50,000 word challenge. In participating in this challenge I am being exposed to many writers. Some of these writers, to me, have far greater talent than I do.

Between managing my blogs [of course I did fall behind on this here blog], schoolwork, family responsibilities, and all those other things I am supposed to concern myself, I have been plugging along towards finishing my novel [or very rough draft] and winning the NaNoWriMo challenge. It is with my mind set towards this goal that I had my epiphany.

First, I wanted to share [part of] the definition of epiphany as given by dictionary.com:

1. a Christian festival, observed on January 6, commemorating the manifestation of Christ to the gentiles in the persons of the Magi; Twelfth-day.
2. a sudden, intuitive perception of or insight into the reality or essential meaning of something, usually initiated by some simple, homely, or commonplace occurrence or experience.
   

I actually learned two things since I did not realize where the term epiphany arose - as in meaning #1. But I was fully aware of the term as defined in #2.

It was this sudden, intuitive perception that struck me today. I realized that everything I have been searching for, the meaning I seek was always there. I am a writer. Not that I want to be a writer, but I am a writer.

All these thoughts that run rampant through my mind. Ever since I was a child. As long as I can remember. These are characters waiting to be set free. Waiting for pen to meet paper [or fingers on keyboard to meet screen]. Waiting to be given the breath of life. Waiting for me to give to them the chance to work out their isms. Letting them love, and want, and get angry, and scared. Letting them grow. I am a writer.

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I am now in my second week of my Ethics & Legal course and had an entirely different topic to post, then I saw this on Wheel of Fortune:

We hold these truths to be self-evident

My husband and I were discussing its origin. He said it was from the preamble. Well, when I think preamble I think to the Constitution of the United States. I am quite familiar with the preamble to the Constitution as I still have it memorized from the fifth grade when we had to recite it in front of the class. And that was a loooooong time ago.

So, I did a search and found he was not incorrect in that it is from the preamble - of the Declaration of Independence. But you probably knew that, didn't you? So, why am I talking about this? And what does it have to do with people not liking change? Well, I read the rest of that preamble and, much as I always do when I start reading these things, I started having these wild thoughts.

Let me continue with the preamble:

that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed,

Did you know wherever 'men' is listed it literally means 'men'. Women were not a part of our forefathers' thinking when it came to equal rights. In fact, men of color [is that correct?] were given the right to vote before women of any race by a little over 50 years.

Here is what started my wheels turning:

That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.

It is our right to alter or abolish our government if it is no longer fulfilling its duties to the citizens it serves. That is right, the government works for its people, NOT the other way around.


But it gets better:

Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed.

Our forefathers knew we would rather bitch and moan and suffer under an intolerable government then do what it takes, do what our forefathers' did, and take a stand for what is right for the people and tell the government it needs to shit or get off the pot!

Here is my favorite part:

But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.

It is not just our right to remind the government who is really in charge, but our duty as United States citizens to abolish our government if its powers become so vast as to be destructive towards are inalienable rights of 'Life, Liberty, and the Pursuit of Happiness'.

It is time we told our government officials they can no longer sit on their seats for decades, but that they need to have term limits. They do not need to be as stringent as the Presidential term limits, but no one person should be allowed to stay in office for more than 10 years in a row. Maybe we enforce a term break by 4 years, then they may be re-elected, after all, if they are that good, then you will put them back in office after their short leave of absence.

Sometimes I think we've forgotten all our forefathers' gave up just so we can have the freedoms we hold so dear. Greed and power have clouded our thinking. We are no better than we once were with the haves and the have-nots, the religious persecution, our modern day caste system. Don't we want something better for our children? For ourselves? I know I do.

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In my final week in Management Law and Employee Relations we touched on a few more forms of discrimination and the dos and don'ts of employers when dealing with unionization. Interestingly, an employer may not allow antiunion meetings in the workplace, but may send letters to employees' homes.

FMLA [Family Medical Leave Act] covers you taking time off to care for a parent, but not an in-law [mother-in-law or father-in-law]. I did not know this. To some degree I disagree, but do understand the need to draw the line somewhere. I mean, if you take care of your cousin and uncle should you be able to take time off with job protection? What about a second or third generation relation? How many people do you believe would take advantage of this? I am sure many, many people would, while others would not. You know what they say about a few bad apples...

The most interesting bit of discrimination I learned was in regards to age discrimination. Did you know that it only is considered age discrimination if the discriminated party is age 40 or older? To me that seems like a case of age discrimination in and of itself!

When I was 19 I was openly and blatantly discriminated against due to my age. I was a little slow in realizing this was happening, but my boss [then 38] pointed out that I had no case as it was my word against hers and no one would ever believe me. Well, looks like the joke is on her! I did not qualify anyway. That was 19 years ago [WOW, really?] and she probably still is a teller making barely anything in a field where no one respected her. See, she was discriminated against due to her sense of, or lack thereof, style. That and she did not have the proper "look" to work in the fancy smancy Palm Beach office.

What about you? Have you ever felt discriminated against due to your age? What about other reasons? Employers are getting smarter and know how to get around these laws, but you should know your rights and how to stand up for yourself if you feel you or someone you know is being treated unfairly. Know your company's whistleblower policy and if you can file an anonymous complaint through this type of program. But be sure you are being fair in your complaint. Take an honest look at yourself and make sure it is discrimination and not just that you are unqualified or not ready for those other functions. In other words, don't cry wolf! It hurts every legitimate claim when you do!

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That got your attention, didn't it? It is so not what you were thinking when you stumbled upon this post today. This past week we learned about sexual harassment in the workplace. Interesting stuff, to say the least.

Did you know that sexual harassment does not have to have any sexual overtones? Really. A great example would be a woman working in a male-dominated field such as construction. If the men harass this woman just because she is a woman, say things like 'you can't do this or that as well as a man' then that is construed as sexual harassment.

Sexual harassment in the form of you do this for me and I do that for you is called 'quid pro quo'. And when it creates an abusive, offensive, or intimidating environment it is considered creating a 'hostile work environment' [see construction example above].

If you give in to a sexual relationship then remove yourself from said relationship and lose your job, position, or are otherwise punished it still is sexual harassment. It does not matter that you once consented.

This should not be carte blanc for everyone to go and complain of harassment that is nonexistent. If your boss [or any other co-worker] creates an unpleasant work environment by issuing unwelcome remarks or gestures, then you should speak to the person next in line. If that does not solve your issue, then you should look into your company's policy regarding these types of situations. Know your rights and things will go much smoother in your work environment.

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I am getting down to the nitty gritty, the down and dirty, the crux of the matter. Yes, I am finishing up my final classes towards my degree. Everything I have learned over the years, in class, in the workplace is being reinforced and reiterated in these final courses.

This past week we discussed a case where a potential employer approached a prospective employee about employment within their organization. Boy, could I have used more forms of the word 'employ' in one sentence? That was a rhetorical question.

In this case the company assured the prospective employee they would have continued employment as long as they maintained position performance reviews. This person accepted the position. She received two highly praised positive performance reviews, then six months later was terminated without explanation. The question was posed as to whether this employee was entitled to any restitution.

Given the majority of employment is at-will, meaning, may be terminated by either party at any time for any reason as long as it is within the law, the employee would have to prove breach of implied contract. Those words spoken by the representative during the recruitment phase may very well come back to haunt the employer as this is a valid argument for wrongful termination.

Amazing! I really did not know this. Most employers will tell prospective employees that employment would be contingent upon performance, so I really did not believe this meant a whole lot. Although, this does explain why my former employer had me sign an acceptance letter stating my employment was at-will, as well as, having all employees sign paperwork showing they understand employment is at-will. We must cover out butts, people.

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Technically it still is Wednesday and I am not late. I do like to have my WILW post ready and scheduled to go first thing in the morning. I know, I apologize. You were waiting for my post all Tuesday night and when you woke up this morning - NOTHING. Sigh.

There is an old saying:

Why put off until tomorrow that which you could do today

My daughter, Megan is good at keeping with this saying. She makes sure all of her homework or other necessary to-do's are done before she goofs off and hangs out with her friends or gets drawn into a good book. She does not worry about last minute scrambling.

Me? Well, I have one class a month. My last class required a 500-word essay each week. This was due by midnight Saturday. When did I write my paper(s), you ask? Saturday. Oh, yes I did. Sometimes these papers were not written until Saturday evening. You read that correctly. Can you say - procrastinate?

Well, that is what I did with this post, too. I procrastinated. More importantly, I forgot. I procrastinated so much that I actually forgot Wednesday was looming and my post did not get written. Until just now.

Now, you may be asking, what did I learn? I learned I need to create a schedule so I can better manage my time. I need to actually use my schedule once it is created. And, this is the most important lesson, and I may actually learn I have more time to do those things I want to do and those things I love to do.

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The final week of my Money and Banking class was about economic factors and the interest rate target. Not unlike our current predicament, the example mentioned a slumping economy, high unemployment, and the threat of inflation on the horizon. We were to decipher this information and decide whether the target interest rate should be lowered or raised. Here is my response:

This reminds me of a level. We move it a little up and then a little down trying to get the bubble to be in just the right spot, to be level. When the economy slumps the central bank steps in and makes its adjustments in an attempt to inch up the economy. The problem with making an economic adjustment is that the effect of today’s adjustment will not be fully felt for up to twelve months. This [is discussed on page 448 and] is called the transmission lag. So, unlike our level where we see an immediate fix, any change inflicted by the central bank will take some time and will need to consider its future effect.

Inflation is generally thought of as a dirty word, but inflation on a smaller scale can be a good thing. The central bank should look at lowering the nominal interest rate to foster economic growth, stimulate employment, and be mindful of this as the threat of inflation looms on the horizon. The goal is that leveling effect with minor adjustments to correct the balance.

While this was not completely foreign to me, it does clarify a lot. As much as we would like for everything to be all better with a little bailout here and a lot of bailout there it does not seem to work quite that simply. Furthermore, if we make too sharp of an adjustment we will be forever trying to find balance, but actually become more and more unbalanced.

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My current course in school is Money & Banking. Although I find it slightly more interesting than watching grass grow (no reflection on the professor), I actually know more about the subject than I would have first guessed. And, yes, this does come as a bit of a shock to me.

My major is accounting. Not so much because I want to be a CPA, because I do not. I do not really want to be an accountant. I received my Associates in Accounting back in 1995 and have worked as a bookkeeper or in other accounting functions ever since. It seemed only logical that I receive my Bachelors in Accounting. And, as much as I love math and am a good bookkeeper it is not what I want to do for a living.

So, you could imagine my surprise when I actually understood the course materials even though it all seems Greek to me. I read what people think on the given topic and I say, "huh?" Yet my responses seem to be equally as Greek and illicit an educational response of comprehension. Seriously! I am as shocked as the next person.

What is it I want to do? Ever since I can remember I have wanted to do two things: become a doctor and write. Honestly, I think becoming a doctor is not going to happen. It could, but I do not believe I could handle all the blood and stuff. I would like to do lab work. I am not sure I am ready to dedicate another two to four years to become a lab technician, though. That leaves writing. I have a few ideas milling about. And I even tied for 5th place in a weekly writing contest. Hey, it was not last and it was my first effort into sharing my work in an organized setting, ever. Check it out for yourself and let me know what you think.

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Should I admit this?  Maybe not, but I will anyway.  I do not know all of the presidents of the United States.  There, do I need to leave the country now?  Well, of course I do not.  I am sure there are many out there - smart, college-educated, higher-learning persons - who do not know all of the presidents either.  That is not what I learned, though.  What I learned was that I did not know the first four presidents in order.  I thought I did.

My son, 13 years old, taught me this lesson.  Stephen, Amanda, & I were watching Jeopardy, I think.  I am not really sure how the conversation started, but I do think that is right.  There was a question about presidents and I rattled off quite a few.  I then proceeded to state that I may not know all of the presidents but I did know the first four, in order.  W*R*O*N*G!

What I said: George Washington, John Adams, Thomas Jefferson, John Quincy Adams

The correct order: George Washington, John Adams, Thomas Jefferson, James Madison, James Monroe, THEN John Quincy Adams

Stephen [13 years old] knew I was wrong.  Amanda [16] asked if Edison was a president.  She apparently was not taught anything about the presidents.  She knew Obama and Bush.

I did redeem myself by being able to name all of the presidents during my lifetime: Richard Nixon, Gerald Ford, Jimmy Carter, Ronald Reagan, George Bush, Bill Clinton, George W. Bush, Barack Obama.

So, what do you think about kids not learning the presidents in school?   Sure, they learn about Washington and Lincoln, but what about the others?  Were they so uneventful that they hardly bare mentioning?  I may have learned that I did not know as much as I thought I knew, but learning that my children are going to know even less is a bit more discerning!

Want to test you knowledge of the presidents?  Check out POTUS.

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Okay, so this is not so much what I learned, but what I have not learned Wednesday.  My current class is Money and Banking.  I like my professor, this is my second class with him.  The first was Microeconomics when I first started pursuing this particular degree.  But the subject matter is beyond my comprehension, right now.  This past week we learned about derivatives and options, futures and currency rate exchanges.  I read and re-read and re-read some more.  Huh?  I am so confused.

All of these actions have to do with hedging.  Hedging is just a fancy word for betting against a future event.  One that you hope to occur in your favor and make you lots of money in the process.  This also is one of the biggie reasons for our current economic, ahem, condition.

Although I understand the basic premise, I have yet to fully grasp the ins and outs of such practices.  I do understand the need to guesstimate when dealing with foreign currency exchanges at a future date in time.  Aha!  Future.  This would be considered hedging against futures.  But what I do not quite understand is why it all has to be so complicated.  It is as if it is written in some code only a select few can crack.  Because, quite honestly, even those who handle these transactions every day cannot possibly know all the idiosyncrasies and implications of such transactions.   

Sigh.  I hope you have done better than me this week.  Why not share with a link to your post?  Don't blog?  Leave a comment instead.

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Okay, so I moved Megan into Radford this past Friday and she is settling in nicely.  DH did not get a chance to say good-bye and thought we could bring her his bike (he has not used it in a while) and check out the campus.  Sunday we drove over and brought the bike, a cable lock for the bike, and some miscellaneous stuff that was missed in the initial move.

After arriving we found a bike rack for the bike and proceeded to set the cable lock.  Megan changed the combination to one she would remember and put the cable through the bike and bike rack.  Then we had her try to open it to make sure everything was copacetic.  Note to self, always check locks prior to attaching them to ANYTHING.

We must have worked that lock for a good half hour before heading to the website for additional help.  By the way, website was no help.  Back to tinkering with the lock; another half hour passes.  Next we decide to conduct a search on picking the lock.  There is always a work-around, right?  JACKPOT!  Back to the lock.  DH tries, but his hands are too big to work the lock properly.  We are not sure what happened, but the combination we thought we set was not even close to what was actually set.  But, I did learn I can pick a lock if the need should arise.  Of course, I will use this new found power only for good. 

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This week I took my 16 year old daughter to get her driver's license. Let me explain. In Virginia the kids can get their learner's permit when they are 15 1/2 years old. Once they turn 16 years and 3 months they can get their 180-day license (they must wait 9 months from the date of receiving their learner's until they may get their 180-day license). This is a piece of paper they carry along with their learner's permit until they receive notice from the court to pick up their permanent license. Today we arrived at the courthouse promptly and took our seats and waited.

About a year and a half ago I did this very same thing with my oldest child (now 18). So, I knew what to expect although this time seemed to go by a bit faster. The sheriff's officer reminds us to turn off our cell phones. If it rings, whether it be parent or child, the child will not get their license, so sorry. Next, the judge enters and says a few words. Then the state trooper does his spiel on safety belts, zero-tolerance for alcohol, curfew, cell phone rules, etc. And then the part that always gets to me - the video.

Back in June 2006 a co-worker of mine was in a fatal car accident. She was a few weeks shy of her 20th birthday and a few days shy of her 1 year out of high school. It is believed she fell asleep at the wheel. Alcohol did play some role in this as her and another girl were partying the night before. Additionally, she was not wearing her seat belt. The passenger walked away with a few scratches and appears in court each time licenses are issued to tell her story. The video is a tribute to Melissa's life, and death. And I cry every time I see it.

My oldest child is 2 years younger than Melissa was when she died. I can not imagine having only two more years of memories. I have no idea of how her family must feel. I do know what it is like to miss someone because they died at an early age, but losing a child is different. And it is one feeling I hope to never have first hand.

Life is short. Spend time with those you love. Do not let hate or negativity take hold of you. Take time for the little things. And make the most of each and every day. I know I will.


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This past weekend my family and I took some time out and took a little trip to Six Flags Kentucky Kingdom. School for my youngest two (13 & 16) starts today and my oldest starts college at the end of the month. Me, I am perpetually in school, but have a week off between semesters next week. It was nice to get away from school, computers, blogging, and phones and just be for a few days.

I had won four tickets to any Six Flags park and was really glad I did. The family wanted to go to a theme park this summer, but did not think we could afford it. Not that the trip was entirely free. The four free tickets were a nice discount, though. We spent seven glorious hours at the Six Flags last Saturday; most of it in the water park. It was hot!

Each night I read before falling asleep. And it was really nice being with the family without all of the technological distractions. Taking time for yourself can be as simple as reading a few chapters of a book each day for fun or a nap in the middle of the day. Just remember to unwind and unplug every once in awhile and recharge those batteries. You will be glad you did; I am.

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Sure, we all know the saying 'it takes money to make money'. One usually says this when making a bet or buying stocks, but it is also true with careers. Think about it. In order to make decent money you have to spend *a lot* of money on an education. My daughter just finished her financial aid package. Not including the Pell Grant and not including any increase in tuition or interest accrued, her total financing will be $55,000! All of this just to become a teacher. No wonder they complain about the low pay.

My return to college has cost me $30,000 in loans and another $3,000 in textbooks. Not to mention the two calculators (1 scientific and 1 financial). I could add the cost of the MacBook I purchased and the upgrade to DSL, but they benefit me in other ways as well. Sadly, when all is said and done there is no guarantee of a job to pay for this lovely education. Yet, without the education there would most certainly be no job, at least not the kind of job offering the kind of pay I would want.

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Welcome to my very first "What I Learned Wednesday" post. The first of many, many more to come. Join the fun, post what you learned this week, and link up below. The code for the image is located in my sidebar. All I ask is you link back to this post. Oh, and make sure you link to your post and not your blog in general, okay?

Ever notice many of the classes taken are quite repetitive? I have taken several classes on variations of management accounting, statistics, ethics, and cross cultural management. Oh, I am an accounting major, in case you did not know this already. So, I have often wondered about this redundancy. I mean, why do I have to keep learning the same thing in a different way under a different course title? I believe they call it "sinking in". See, redundancy is the wrong word; they are repetitive. You know, like when you were younger and were learning how to spell and the teacher would have you write the words 5 or 10 times. This was to get the spelling to sink in and come time for the test you would know the correct spelling for each of those words, hopefully.

After taking my umpteenth management accounting class it is finally sinking in for me. I remember more and more of what terms mean, how they are used, the formulas, the reasoning, the what, why, where, how, and why. Who really thinks they can remember all of this stuff? I save all my accounting books for future references (that and I will never recuperate the costs). Now I know while I may need to reference some things, I will remember many others. And this is a GREAT feeling.

What have you learned this week? Grab the button from my sidebar, then add a link to your post below using MckLinky. Not sure how to link up? Leave a comment or send me an email (or both) and I will happily walk you through it.