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Online Accounting Degrees

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Online Accounting Degrees

Accountants are the number crunchers of the business world. They tally costs and expenditures, prepare tax documents and inspect financial records to ensure their clients are compliant with various laws, policies and ethical guidelines. Some accountants assist companies or organizations as part of a financial division, while others work independently.

The profession can be divided into several distinct occupations. A large number of accountants work as certified public accountants, who typically operate their own businesses or work for accounting firms. CPAs must be licensed in the state where they work; requirements vary by location, but CPAs in all 50 states must pass the uniform exam administered by the American Institute of Certified Public Accountants.

Managerial accountants oversee the various financial activities at public and private organizations, while government accountants usually service federal, state and local agencies. Auditing focuses on scrutinizing financial records. Internal auditors are tasked with evaluating records in their own organization, while external auditors provide third-party assistance to outside organizations.

Today’s accountants are expected to contribute much more than just mathematical expertise. “The advance of technology has taken a lot of the executing of tasks … out of the hands of accountants and into the hands of machines. That has made accountants fit more into the role of trusted business advisors,” Chris Ekimoff, director at Resolution Economics, an economics and statistics consulting firm.

Many accountants begin their careers by earning a bachelor’s degree in accounting. Additionally, many colleges and universities offer undergraduate degrees in business administration with a concentration or minor in accounting.

States require accountants to complete 150 semester hours before they are eligible to sit for their CPA licensing exam, around 30 credits more than a typical bachelor’s program. For this reason, many bachelor’s in accounting pathways include additional coursework that allows students to complete the necessary number of credits. Some schools also offer joint bachelor’s-master’s degrees designed to satisfy CPA licensure requirements.

Some students are choosing to earn their accounting degree online, rather than in a classroom. Web-based students typically follow the same challenging curricula as their brick-and-mortar counterparts. The online format is also ideal for students with jobs, child care responsibilities and other commitments that may get in the way of campus-based coursework.

How long does it take to earn an accounting bachelor’s degree online?

A typical online bachelor’s degree in accounting program spans 120 credits and requires roughly four to five years of full-time study. Programs with 180 credits or more are usually available at schools that follow a quarterly schedule; these options also require a commitment of four to five years.

How much does an online accounting bachelor’s degree cost?

Tuition for an accounting degree online may depend on the applicant’s state of residence, since out-of-state students typically pay more per credit than in-state students. At schools that differentiate between these two groups, in-state students usually pay between $325 and $400 per credit, while out-of-state students could pay as much as $500 per credit.

However, many colleges and universities charge a flat tuition rate for all students, regardless of state residency; these programs cost roughly $400 to $800 per credit. Students generally should expect to pay between $30,000 and $80,000 for an undergraduate online accounting degree.

Choosing an accredited online accounting degree

Accreditation status is one of the most important considerations for prospective students. Colleges and universities in the U.S. receive accreditation from agencies recognized by the U.S. Department of Education; the accreditation process involves an extensive review of a school’s educational programs and student services.

A school’s accreditation impacts course credit transferability, as well as student eligibility for federal financial aid, so students should ensure the school offering the program has earned national or regional accreditation.


Online Nursing Schools: How to Become a Registered Nurse Online

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Online Nursing Schools: How to Become a Registered Nurse Online

Many people search for online RN programs, but the truth is you cannot earn an RN designation simply by earning a nursing degree.

To become an RN, you must first earn a nursing diploma or degree. Then you need to pass a national licensing examination, the NCLEX-RN. Once you pass this exam, you will have earned a registered nursing (RN) license.

The RN designation refers to a professional license rather than graduation from a specific degree program.

What is a Registered Nurse?

A registered nurse is a healthcare professional who has graduated from a nursing program, possibly online, and passed the the national licensing exam.

A registered nurse, often referred to as an RN, treats patients and helps educate the public about health. They are front-line providers who give emotional support to patients and their families. RNs also monitor patients’ medical symptoms, perform diagnostic tests and help with patient follow-up and rehabilitation.

RNs provide direct patient care or, with advanced experience and education, take on the following roles: 

  • administration
  • case management
  • clinical research
  • develop patient care procedures 
  • teach in nursing programs.


A registered nurse’s primary responsibilities are to provide care and educational resources to patients and their families. 

Registered nurses often work in teams with other physicians and medical specialists in a wide range of healthcare settings including hospitals, homes, schools, community centers, or other non-medical environments. RNs often supervise other nursing professionals like licensed practical nurses (LPNs), unlicensed assistive personnel and nursing students.

Nursing is considered to be a very stressful job because of the direct involvement with suffering, high-pressure situations, emergencies and life or death decision making.  

The field of nursing is growing exponentially and the occupational outlook for nursing jobs in the United States is excellent according to the Bureau of Labor Statistics. Many states are currently experiencing a shortage in nurses, while other states have a surplus. 

Because of changes in the American healthcare system due to the Affordable Care Act, many new patients are expected to enter the system. The extended lifespan of the Baby Boomer generation is also increasing the need for more nursing and medical professionals.

Special preference may be shown to registered nurses who: 

  • are fluent in another language
  • have years of professional experience
  • specialize in certain kinds of care, diseases, age ranges, or parts of the body
  • have earned a master’s in nursing.

How to Become an RN Online

There are three steps to becoming a registered nurse:

  1. Complete the minimum required nursing education—usually a certificate or diploma.
  2. Work at a healthcare facility under an RN to gain supervised clinical experience.
  3. Pass the national RN examination (NCLEX-RN exam).

Online RN Programs

More than one online nursing degree program can help you become an RN and prepare you to sit for the licensing exam.

RNs may follow one of three educational paths:

  • Earn a diploma or certificate from an approved nursing program
  • Complete an associate degree in nursing (ADN)
  • Earn a Bachelor’s of Science in Nursing degree (BSN)


Many RNs launch their careers by earning nursing diplomas or certificates and becoming a LPN (licensed practical nurse). Once working, LPNs can go on to complete the coursework needed for an associate’s degree to become an RN. Testing out of required courses can significantly speed up this process.

Some opt to complete an online associate nursing program before taking the nursing exam and beginning to work.

Changing Careers to Become a Nurse

If you have no nursing experience and want to enter this field, nursing school at a local community college may be your best option. Many community colleges offer hybrid or blended online nursing aide programs, nursing diplomas and associate’s in nursing that prepare students to be a Licensed Nurse Practitioner (LPN).
 
Online LPN programs prepare students to sit for the NCLEX-NP exam and lay the foundation for future education needed for an RN designation.

LPN programs, generally offered at community college nursing schools, combine nursing theory courses with local supervised placements inside hospitals and nursing homes. 

Sometimes online LPN programs include coursework required to sit for the the NCLEX-RN exam. These programs allow students to gain different levels of licensure as they work their way through the program.

Nursing students must complete clinical hours and take exams in person, but can complete many core courses, such as anatomy, online. Many online nursing classes also use virtual simulation to enrich learning. 

Similarly, Certified Nursing Assistants (CNAs) gain on-the-job experience and lower levels of licensure before pursuing an RN degree online.

Online LPN programs take, on average, one year to complete. LPN to RN bridge and associate nursing degree programs take two years. 

  • Allen County Community College Associate of Science in Pre-Nursing
  • Excelsior College Associate of Science in Nursing


For those who have a bachelor’s degree, but their major was not in nursing, there are special programs that allow career changers to earn a RN degree online. These special nursing degrees are often referred to as online accelerated BSN programs or second degree BSN.

Online nursing bachelor degrees are the fastest route to a BSN for career changers who already hold a bachelor’s degree with a non-nursing major. Few online nursing degree programs, however, admit nurses who do not already hold a valid RN license.

Online nursing master degrees are sometimes open to individuals who hold a bachelor’s in a field other than nursing. Explore an online nursing degree at the master’s level if you already hold a bachelor’s and want to move into nursing without repeating a formal new nursing bachelor’s degree online.
 

RN Licensure and Certification

Once an individual has completed education and clinical requirements, they must pursue licensure to become a registered nurse.

Though licensure requirements do vary by state, passage of a state-approved training program and the National Council Licensure Examination (NCLEX-RN) are almost always needed.

The NCLEX-RN exam covers:

  • psychosocial and physiological integrity
  • health promotion
  • infection control
  • fundamental nursing skills.


RNs can advance their careers by earning certifications in specialty areas. The American Nurses Credentialing Center, a subsidiary of the American Nurses Association, offers a variety of certifications and specialties ranging from General Nursing practice to Public Health Nursing and Pediatric Nursing.

Accredited Degrees

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Accredited Degrees

Whether you’re training to work in aviation, you’re enrolled in an online nursing program or you’ve just started taking classes to become a certified teacher, you probably want to know if a degree program is accredited. Accreditation matters in today’s competitive job market. What is accreditation, and how does it impact your future job prospects? Employers look for candidates who hold degrees from accredited schools, and specific program accreditation can separate candidates who get a call back and those who end up in the discard stack. Before you sign up for classes, know whether your program holds appropriate accreditation.

Setting Standards

Think of accreditation as proof that a program or university has met a series of standards set out by an objective board of knowledgeable people. Program accreditation indicates that a specific degree program adheres to rigorous academic standards and educational requirements. In essence, a student who enrolls in an accredited program at one school could transfer to another accredited program without worrying about the quality. The two programs might not share the same curriculum or requirements, but they will both adhere to reliable standards.

In addition, every school that takes advantage of federal funding must be accredited, and a school has to be accredited in order to offer federal financial aid to its students. Not only is there an academic advantage to maintaining accreditation, but there’s a financial one as well. Accrediting boards review universities and programs periodically to make sure that they’re still adhering to the standards. Any program or school that needs work will be placed on review and may lose accreditation if they don’t meet the guidelines.

Accrediting Agencies in the U.S.

According to the Council for Higher Education Accreditation or CHEA, there are 60 accrediting boards for individual programs and 19 institutional accrediting organizations in the United States. Institutional accrediting bodies are organized into the following categories: regional, national faith-related and national career-related. Regional accreditation includes organizations such as the Higher Learning Commission as well as the New England Association of Colleges and Schools. Faith-based universities might hold accreditation from the Association for Biblical Higher Education Commission on Accreditation while a career-based institution might receive accreditation from the Accrediting Council for Independent Colleges and Schools. Many programs also maintain accreditation, including those in audiology, construction education, teaching, massage therapy, and computer science. Not all accrediting bodies are recognized by both the CHEA and the Department of Education. The CHEA offers a complete list of recognized accrediting boards.

How to Check Accreditation

Universities typically provide a statement regarding their accreditation status on their websites because this is an important fact to know when choosing a college. Some schools list all of their accreditations on one convenient page, but some universities list accreditation by degree on individual program sites. If you can’t find information about accreditation on your program’s website, then contact that program’s coordinator to check if your school maintains accreditation.

You can also find out information about accreditation through the U.S. Department of Education’s Database of Accredited Postsecondary Institutions and Programs. Keep in mind that the federal government does not accredit schools personally, but it does maintain a list for interested students. If you want to know if a degree program is accredited, then all you need to do is enter your program into the database to see if it maintains active accreditation status.

Getting An Online MBA Degree

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Getting An Online MBA Degree

More people than ever are enrolling in online MBA degree programs.

In fact, in the past year alone, the University of Maryland’s Smith School of Business boosted enrollment in its online MBA program by 151% to 369 students from only 147 a year ago. The University of North Carolina’s Kenan-Flagler Business School saw a 78% jump in enrollment to 1,862 students from 1,047 a year earlier.

When U.S. News published its ranking of online MBA programs last month, it ranked nearly 270 different online MBA programs, up from 180 in 2017. And that doesn’t include all the online MBA programs available in the world. The result: Though a rapidly growing segment of the management education market, the online MBA category has already become crowded and commoditized.

And yet, more options are appearing monthly.  In July of this year, Rice University’s Jones Graduate School of Business will welcome the first cohort in an online MBA program it is launching with 2U, a publicly traded online education provider. UC-Davis’ Graduate School of Management will be next. The school signed a contract with 2U in November and hopes to get its online option off the ground next year. Davis’ new program will be the first online MBA degree offered in the 10-campus University of California system.

What’s behind their popularity? For one thing, you don’t have to quit a job you already have to get your MBA. An online option provides maximum flexibility for a student. If you are a road warrior, who is often traveling for work, you can do your classwork and assignments from anywhere, including an airplane equipped with Wifi or a hotel room.

For another, most online MBA programs can be completed in an accelerated fashion in as little as 18 months or you can spread out the work over a number of years. That flexibility allows a student to work around both personal and professional commitments. If you are on a challenging assignment at work or about to have a newborn baby, you can ease up on your studies for a certain period of time.

Unlike part-time MBA programs that often require you to sit in a class for a couple of nights a week, you don’t have to commute to an actual location and be physically present anywhere. For years, part-timers have had to grind through classes after work loaded up on caffeine to stay alert.  They are also more likely to waive a standardized test requirement such as the GMAT or GRE. And finally, because you are already employed, you may be able to take advantage of a company plan to pay at least part of your education.

“More people are doing online programs because they don’t want to stop their careers and quit their jobs,” says Ramesh Venkataraman, chair of Indiana University’s Kelley Direct MBA & MS programs. “They are doing perfectly fine and like their companies. So the quality of students in these programs is quite high. These programs are here to stay and they are actually going to be a very viable alternative to the full-time programs.”

What’s more, the satisfaction levels of online MBA programs are quite high. Poetsand Quants recently surveyed graduates of these programs and asked them whether they would recommend the program they completed to friends or relatives. On a scale of one to ten, with ten reflecting the most enthusiastic recommendation possible, graduates gave their programs an average score of 9.22. Carnegie Mellon’s blended online MBA program had a perfect score of 10.0, while the programs at Ohio University, University of Massachusetts at Amherst, Indiana Kelley and Lehigh University all scored between 9.8 and 9.7.


Online Homeland Security Degrees

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Online Homeland Security Degrees
Metro SWAT members hang off the back of a truck as they prepare to search the School and Walnut Street neighborhood in Watertown on Friday.

Homeland security professionals have the weight of the nation on their shoulders. They are tasked with protecting the U.S. from threats ranging from hurricanes to terrorist attacks by anticipating potential problems and preparing plans to manage them. Careers available in the field are diverse, including positions as computer specialists, law enforcement officers and first responders.

“It’s a challenging field,” Dave Gilmore, a security consultant, told the Bureau of Labor Statistics. “You have plans to deal with the more likely problems, but you can’t prepare for every eventuality. You also need to be able to react.”

An online bachelor’s degree in homeland security can help students develop the critical thinking, management and problem-solving skills they will need to succeed in a demanding, unpredictable field.

Students who earn a homeland security degree online can pursue employment in the private sector or with federal, state and local governments. The Department of Homeland Security is one of the largest federal employers – around 170,000 people work for the agency – according to the BLS.

Professionals with a bachelor’s degree in homeland security can also go on to earn an online master’s degree in homeland security. These programs generally do not require any previous homeland security coursework.

How long does it take to earn a bachelor’s in homeland security online?

Completing an undergraduate homeland security degree online typically requires between 120 and 124 credits, which students can complete in four years of full-time study.

How much does a bachelor’s in homeland security cost?

The cost of a homeland security degree online depends on several factors. State residency is an important consideration, since many colleges and universities charge higher tuition for out-of-state students. However, some schools charge flat tuition for online students regardless of state residency. Technology fees are another key factor; these fees often apply to online students but not their brick-and-mortar counterparts.

Per-credit costs for a homeland security degree online typically range from about $200 to $475. Students should expect to pay between $43,000 and $55,000 in total tuition for one of these programs.

Choosing an accredited online homeland security degree program

Accreditation status is one of the most important considerations for prospective students. Colleges and universities in the U.S. receive accreditation from agencies recognized by the U.S. Department of Education; the accreditation process involves an extensive review of a school’s educational programs and student services.

A school’s accreditation impacts course credit transferability, as well as student eligibility for federal financial aid, so students should ensure the school offering the program has earned national or regional accreditation.

Prostate cancer – Symptoms and causes

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Prostate cancer – Symptoms and causes

Prostate cancer is cancer that occurs in the prostate — a small walnut-shaped gland in men that produces the seminal fluid that nourishes and transports sperm.

Prostate cancer is one of the most common types of cancer in men. Usually prostate cancer grows slowly and is initially confined to the prostate gland, where it may not cause serious harm. However, while some types of prostate cancer grow slowly and may need minimal or even no treatment, other types are aggressive and can spread quickly.

Prostate cancer that’s detected early — when it’s still confined to the prostate gland — has a better chance of successful treatment.

Symptoms

Prostate cancer may cause no signs or symptoms in its early stages.

Prostate cancer that’s more advanced may cause signs and symptoms such as:

  • Trouble urinating
  • Decreased force in the stream of urine
  • Blood in semen
  • Discomfort in the pelvic area
  • Bone pain
  • Erectile dysfunction

When to see a doctor

Make an appointment with your doctor if you have any signs or symptoms that worry you.

Debate continues regarding the risks and benefits of prostate cancer screening, and medical organizations differ on their recommendations. Discuss prostate cancer screening with your doctor. Together, you can decide what’s best for you.

Causes

  • Prostate gland

It’s not clear what causes prostate cancer.

Doctors know that prostate cancer begins when some cells in your prostate become abnormal. Mutations in the abnormal cells’ DNA cause the cells to grow and divide more rapidly than normal cells do. The abnormal cells continue living, when other cells would die. The accumulating abnormal cells form a tumor that can grow to invade nearby tissue. Some abnormal cells can also break off and spread (metastasize) to other parts of the body.

Risk factors

Factors that can increase your risk of prostate cancer include:

  • Age. Your risk of prostate cancer increases as you age.
  • Race. For reasons not yet determined, black men carry a greater risk of prostate cancer than do men of other races. In black men, prostate cancer is also more likely to be aggressive or advanced.
  • Family history. If men in your family have had prostate cancer, your risk may be increased. Also, if you have a family history of genes that increase the risk of breast cancer (BRCA1 or BRCA2) or a very strong family history of breast cancer, your risk of prostate cancer may be higher.
  • Obesity. Obese men diagnosed with prostate cancer may be more likely to have advanced disease that’s more difficult to treat.

Complications

Complications of prostate cancer and its treatments include:

  • Cancer that spreads (metastasizes). Prostate cancer can spread to nearby organs, such as your bladder, or travel through your bloodstream or lymphatic system to your bones or other organs. Prostate cancer that spreads to the bones can cause pain and broken bones. Once prostate cancer has spread to other areas of the body, it may still respond to treatment and may be controlled, but it’s unlikely to be cured.
  • Incontinence. Both prostate cancer and its treatment can cause urinary incontinence. Treatment for incontinence depends on the type you have, how severe it is and the likelihood it will improve over time. Treatment options may include medications, catheters and surgery.
  • Erectile dysfunction. Erectile dysfunction can result from prostate cancer or its treatment, including surgery, radiation or hormone treatments. Medications, vacuum devices that assist in achieving erection and surgery are available to treat erectile dysfunction.

Prevention

You can reduce your risk of prostate cancer if you:

  • Choose a healthy diet full of fruits and vegetables. Avoid high-fat foods and instead focus on choosing a variety of fruits, vegetables and whole grains. Fruits and vegetables contain many vitamins and nutrients that can contribute to your health.Whether you can prevent prostate cancer through diet has yet to be conclusively proved. But eating a healthy diet with a variety of fruits and vegetables can improve your overall health.
  • Choose healthy foods over supplements. No studies have shown that supplements play a role in reducing your risk of prostate cancer. Instead, choose foods that are rich in vitamins and minerals so that you can maintain healthy levels of vitamins in your body.
  • Exercise most days of the week. Exercise improves your overall health, helps you maintain your weight and improves your mood. There is some evidence that men who don’t exercise have higher PSA levels, while men who exercise may have a lower risk of prostate cancer.Try to exercise most days of the week. If you’re new to exercise, start slow and work your way up to more exercise time each day.
  • Maintain a healthy weight. If your current weight is healthy, work to maintain it by exercising most days of the week. If you need to lose weight, add more exercise and reduce the number of calories you eat each day. Ask your doctor for help creating a plan for healthy weight loss.
  • Talk to your doctor about increased risk of prostate cancer. Men with a high risk of prostate cancer may consider medications or other treatments to reduce their risk. Some studies suggest that taking 5-alpha reductase inhibitors, including finasteride (Propecia, Proscar) and dutasteride (Avodart), may reduce the overall risk of developing prostate cancer. These drugs are used to control prostate gland enlargement and hair loss in men.However, some evidence indicates that men taking these medications may have an increased risk of getting a more serious form of prostate cancer (high-grade prostate cancer). If you’re concerned about your risk of developing prostate cancer, talk with your doctor.

Does Vaping Cause Lung Cancer?

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Does Vaping Cause Lung Cancer?

Electronic cigarettes, or e-cigarettes, put nicotine into your lungs and bloodstream. And they do it without the smoke and tar of a regular cigarette. But other harmful things can get into your body when you vape. That’s especially true if you use flavored cigarettes.

E-cigarettes, sometimes called vapes, run on batteries and heat up nicotine, flavorings, and other chemicals. They turn them into a vapor you can breathe in. Many chemicals that cause cancer are in this vapor. That includes formaldehyde, heavy metals, and particles that can get stuck in the deepest parts of your lungs.

It’s hard to know how much of these chemicals you breathe in when you vape. The levels are usually lower in e-cigarettes than regular cigarettes. But some studies show that high-voltage e-cigarettes have more formaldehyde and other toxins than standard e-cigarettes.

Also, some chemicals in e-cigarettes can irritate the airways in your lungs. This can cause problems. Studies have found that flavorings like cinnamon can cause inflammation of lung cells. But more research is needed to understand the long-term health risks of vaping.

Popcorn Lung

One chemical in some e-cigarette flavorings is a buttery-flavored one called diacetyl. It’s been linked to a serious lung disease called bronchiolitis obliterans. It’s also known as popcorn lung.

The disease gets its name because people working in a microwave popcorn factory got sick with serious lung problems from breathing in diacetyl. It was being used to flavor popcorn, caramel, and dairy products. The way the chemical is breathed in with e-cigarettes is a lot like the way the workers at the microwave popcorn plants inhaled it.

The chemical can cause a dry cough that won’t go away. It also causes shortness of breath, wheezing, headache, fever, aches, and other health problems. The vapors also can irritate your eyes, skin, nose, and throat.

Diacetyl scars the tiny airs sacs in your lungs. That makes your airways thick and narrow.

After the link between diacetyl and lung disease was found, many popcorn companies took the chemical out of their products. But it’s still used in many e-cigarette flavors, including vanilla, maple, and coconut. It’s also been found in many alcohol-flavored, candy-flavored, and fruit-flavored e-cigarettes. These are choices that often appeal to kids, teenagers, and young adults.

There’s no cure for popcorn lung, but some medications can help keep it from getting worse. These include certain kinds of antibiotics, steroids to calm inflammation in your lungs, and drugs to slow down your immune system.

Our Top 6 Luxury Cruise Lines

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Our Top 6 Luxury Cruise Lines
WindStar Cruises ocean cruise ship

This is because we have chosen to specialise in a particular range of holidays at sea. We strongly believe you cannot be all things to all people, so like any high street store, we specialise in a specific area.

Within our niche, we identify six companies as our Best of the Best. But how do you choose between them? Here is our guide to the world’s best luxury cruise lines:

Hapag-Lloyd Cruises

Hapag Lloyd’s Europa 2 is identified by the Berlitz Guide to Cruising as the best ship in the world, with a rarely awarded Five Stars Plus rating. We love the ship for its spacious Nordic public areas, the sweeping sea views from everywhere – even the lifts – the amazing choice of restaurants, and the comfortable accommodation.

This is a company with an illustrious past and a bright future – Hapag-Lloyd have been carrying discerning travellers around the world since 1891, and exiciting plans include the launch of three new expedition ships over the next few years. Although unashamedly German, Hapag’s focus is clearly on increasing the number of international guests that travel with them, and the second of the new expedition ships, Hanseatic Inspiration, will operate as a fully bilingual (German/English) ship, just as Europa 2 does.

Hapag-Lloyd Cruises - Europa 2 daybed

Silversea

Silversea offer a choice between the classic fleet of comfortable small ships, ranging in size from 296 to 608 guests, or the Silversea Expeditions fleet, taking you way beyond the ordinary on off-the-beaten-track adventures to explore the bucket list you never knew you had. Either way the all-inclusive pricing and high levels of hospitality ensure a special holiday, and service on board is top notch.

Silversea are particularly notable for the sheer range of their itineraries, both in terms of classic cruising and their more unusual expedition destinations such as West Africa, Bangladesh and the Russian Far East. It’s the perfect cruise line for well-travelled guests, and repeat guests are treated particularly well – ask us for more details on the excellent Venetian Society loyalty programme.

Silversea chairman Manfredi LeFebvre has big ambitions for the fleet, and it seems that the sky’s the limit since Royal Caribbean International acquired a majority stake in the company last year. The newest Silversea ship, Silver Muse, joined the fleet in 2017, and there are five more in the pipeline: Silver Moon and Silver Dawn, sister ships to Muse, arrive in 2020 and 2021 respectively, with two as yet unnamed ‘Evolution Class’ ships to follow, while Silver Origin replaces Silver Galapagos from 2020.

Silversea - Silver Spirit

Regent Seven Seas Cruises

The most inclusive of All-Inclusives, on Regent Seven Seas Cruises even the entry level suite has its own verandah (except on the little Seven Seas Navigator), and with flights, shore excursions, all drinks, meals and gratuities included in the fare, not to mention WiFi and so much more in certain grades, the Regent offering is compelling. Add to that a wide choice of dining and a relaxed style, and you certainly have a winner.

Because Regent include their excursions, the team really are the best, and arrangements work like a well-oiled machine. We particularly like the enhanced Regent Choice options, which include behind-the-scenes tours and exclusive cultural experiences – an additional cost, but really amazing value for something extra special.

The fleet ranges from the intimate and much-loved Seven Seas Navigator, carrying just 490 guests, to the spectacular 750-guest Seven Seas Explorer, which launched in 2016 and is due to be joined by sister ship Seven Seas Splendor in 2020.

Regent Seven Seas Explorer

Seabourn

Seabourn’s history of operating the very best luxury ships stretches back 30 years, yet at the same time they have the youngest and most modern ultra-luxury fleet in the industry. All five ships feature spacious ocean front suites, a high ratio of space per guest and highly personalised service, with close to one crew member per guest.

Seabourn’s trio of smaller sister ships, each carrying 450 guests, offer a stylish and relaxed experience with lots of al fresco options, plenty of deck space, and a close connection with the sea. The new Seabourn Encore and Seabourn Ovation joined the fleet in 2016 and 2018 respectively, with a slightly larger capacity of 604 guests. All suites on the new ships feature a private veranda, and you’ll enjoy additional dining options and facilities that take the Seabourn experience to the next level.

The expanded fleet offers an extensive range of worldwide itineraries, with both shorter sailings and opportunities to combine a series of cruises to create long voyages. Inclusive fares, open dining and a laid back elegance make Seabourn an appealing choice.

More adventurous luxury cruisers will be excited to learn that Seabourn are also moving into the expedition cruise market, with the first of two new ships scheduled for delivery in 2021 – stay tuned for more news!

Seabourn Encore - Pool deck

Crystal Cruises

Crystal are currently undergoing huge growth, expanding into yacht, river and expedition cruising, not to mention a trio of new ‘Diamond Class’ ocean vessels, with the first due to arrive in 2022. Throughout the fleet you can expect cutting edge design, outstanding and innovative open-seating dining, and an excellent range of shore excursions.

Crystal’s recently revamped sisters Symphony and Serenity offer an amazing combination of space, options and outstanding service, with a comprehensive program on board and carefully planned itineraries including lots of overnights in port and relaxing days at sea. Crystal Esprit, a luxurious 62-guest yacht, has been garnering rave reviews since launching in 2015, visiting destinations including the Caribbean, the Seychelles and the Adriatic, and the expedition-focused Crystal Endeavor is set to arrive in 2020. The river fleet has now expanded to five ships, including the brand new Mahler, Bach, Debussy and Ravel, and Crystal are rapidly staking a claim as Europe’s number one luxury river cruise line.

All meals and drinks are included on board, including speciality dining, plus an extensive onboard programme of enrichment and entertainment, free unlimited WiFi, gratuities and taxes, along with selected shore excursions on the yacht and river vessels.

Crystal Serenity in Moorea

SeaDream Yacht Club

The intimate SeaDream yachts, accommodating just over 100 guests each, are a firm Mundy favourite, with a unique outdoorsy laid-back style which is hard to replicate elsewhere. Both ships winter in the Caribbean and spend the summer months in the Mediterranean, visiting the smaller ports that the big cruise ships can’t reach. We really can’t think of a better way to experience destinations such as the Greek Islands, the French Riviera or the glittering Grenadines.

Whether playing with the water toys from the marina at the back of the ship, taking a bicycle ashore to explore a tiny island, snorkelling off the beach, dining at a private table just for you out on deck, or sleeping under the stars, you will enjoy every minute of your SeaDream yacht cruise. You also get a lot for your money, with all your meals, drinks (including Champagne and spirits), watersports equipment, bicycles and gratuities included in the fare, along with a very special Champagne and caviar beach barbecue where the itinerary and the weather allows.

SeaDream are also the most recent luxury cruise line to announce a forthcoming new ship, although details are currently very thin on the ground. Rest assured that we’ll let you know as soon as we have more information…

SeaDream Yacht Club in the Caribbean

How to Find the Best Discount Business Class Flights

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How to Find the Best Discount Business Class Flights

Premium class perks — from lie-flat seats to swanky airport lounges to unlimited complimentary cocktails — may seem out of reach for many travelers. After all, business class flights easily cost $2,500 round-trip

But that doesn’t mean you need a corporate card or hoards of points to experience the upper echelons of air travel.

Whether you’re looking for a business class or a first class ticket, travelers can find cheap business class tickets by watching for flight deals, including airline promotions and mistake fares, participating in auctions, and shopping with more affordable airlines.

Travelers should also study up on the differences between business and first class cabins, as well as the differences between coach and business class. Each airline defines these cabins differently, and while a business class seat on Lufthansa’s new Boeing 777’s might look like a modern throne, a business class ticket on a regional budget airline may be much less luxurious.

Understanding the differences between the various fare classes will help you better spot a deal and determine how much more you’re willing to pay for an upgrade.

Business Class Flight Deals

Emirates, for example, often sponsors flash sales. But while many airlines put only their economy seats on sale, this Gulf carrier also slashes ticket prices on business class seats.

Emirates' business class cabin

During their most recent Cyber Monday sale, round-trip business class seats on board this world-class airline started at $2,999 round-trip to Italy. Typically, these seats cost over $5,000. The airline has also been known to sell 2-for-1 business class flights, making it easier for you and your travel partner to fly like VIPs.The Newest First Class Perk Is Not Having to See Another Human Being on Your FlightIsolation is the new luxury in travel.

The all-business class airline La Compagnie also runs regular promotions, which might include $1,000-flat flights between Yew York City and Paris. The perks include access to airport lounges, Caudalie amenity kits, free checked bags, and complimentary Wi-Fi.

Deep discounts on business class flights can also be generated by accident. That’s when a $1,009.20 one-way business class ticket becomes a $1,009.20 round-trip ticket, offering 50 percent savings for lucky travelers.

Thrifty Traveler recently noticed such a mistake from Aeromexico. Lie-flat business class seats on flights to Chile were selling for $1,092 round-trip (standard economy tickets often cost upwards of $800), while tickets to Peru were only $548 round-trip (recliner-style seats only).

Of course, travelers interested in booking a discounted premium fare don’t need to stick to business class. Last month, The Flight Deal reported $1,522 round-trip fares from the West Coast to London in Air France’s ultra-luxurious La Première cabin.

Mistake fares such as these, however, must be booked with caution. While rare, airlines can refuse to honor these deals. While travelers will receive full refunds, they should be cautious about booking additional plans (such as hotels and tours) until they receive a ticket confirmation from the airline.

Beyond straightforward airfare sales, travelers can also get cheap first and business class flights by stockpiling miles during mileage flash sales. In 2016, travel blogger Sam Huang used a 90-percent off mileage flash sale with Garuda Indonesia to take a first class flight (typically $7,000) for only $76.

Business Class Auctions

Travelers wondering how to get cheap business class tickets without waiting for a flight deal may also be interested in premium cabin auctions. A number of major airlines, including Cathay Pacific, Virgin Atlantic, and Etihad, have introduced a bidding process to help sell remaining business and first class seats.

Typically, travelers should bid at least 20 percent below market price, which you can determine with a bit of research. Mid-day flights to leisure destinations are more likely to have premium seat availability, and not all tickets will be eligible for an upgrade. To improve your chances, be sure to book directly with the airline.

In addition to these online auctions, most airlines offer travelers the chance to purchase upgrades upon check-in, though this may not result in such deep savings.

Fly With a Cheaper Airline

Not all business class experiences are equal, which is why travelers might have better luck with lesser-known, regional, or low-cost airline.

JetBlue’s Mint seats may be one of the best premium offerings in the sky — particularly when you consider the price tag. According to The Points Guy, it’s possible to score one-way Mint-class flights from New York City to the Caribbean for under $300.

In these elegant premium seats (all of which lie-flat and some of which are available as private suites with sliding doors), travelers can snack on seasonal tapas while sampling curated Birchbox amenity kits.

While the cheapest business class tickets are typically on short-haul flights, it is possible to experience a cheap international business class flight on these carriers.

How to Choose a Life Insurance

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How to Choose a Life Insurance

The choices in life insurance policies can seem bewildering, and they are difficult to understand at first glance. It’s hard to know exactly where to start.

You should start with a deceptively easy-sounding question: Do you need life insurance at all? Your detailed answer to that question can help you decide what type of life insurance to purchase, assuming you decide you do need it.

If you decide you need life insurance, then your next step is to learn about the different types of life insurance and to make sure you’re buying the right type of policy.

The Purpose of Life Insurance and Reasons You Might Need It

Life insurance needs vary depending on your personal situation—the people who depend on you. If you have no dependents, you probably don’t need life insurance. If you don’t generate a significant percentage of your family’s income, you may or may not need life insurance.

If your salary is important to supporting your family, paying the mortgage or other recurring bills, or sending your kids to college, you should consider life insurance as a way to ensure these financial obligations are covered in the event of your death.

How Much Coverage You Need

It’s difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.

Types of Life Policies

Several different types of life insurance policies are available, including whole life, term life, variable life, and universal life.

Whole life offers both a death benefit and cash value but is much more expensive than other types of life insurance. In traditional whole life insurance policies, your premiums stay the same until you’ve paid off the policy. The policy itself is in effect until your death, even after you’ve paid all the premiums.

This type of life insurance can be expensive because huge commissions (thousands of dollars the first year) and fees limit the cash value in the early years. Since these fees are built into the complex investment formulas, most people don’t realize just how much of their money is going into their insurance agent’s pockets.

Variable life policies, a form of permanent life insurance, build up a cash reserve that you can invest in any of the choices offered by the insurance company. The value of your cash reserve depends on how well those investments are doing.

You can vary the amount of your premium with universal life insurance policies, another form of permanent life insurance, by using part of your accumulated earnings to cover part of the premium cost. You can also vary the amount of the death benefit. For this flexibility, you’ll pay higher administrative fees.

Some experts recommend that if you’re under 40 years old and don’t have a family disposition for a life-threatening illness, you should opt for term insurance, which offers a death benefit but no cash value.

Life Insurance Costs

The least expensive life insurance is likely to be from your employer’s group life insurance plan, assuming your employer offers one. These policies are typically term policies, which means you’re covered as long as you work for that employer. Some policies can be converted upon termination.

The cost of other types of life insurance varies greatly, depending on how much you buy, the type of policy you choose, the underwriter’s practices, and how much commission the company pays your agent. The underlying costs are based on actuarial tables that project your life expectancy. High-risk individuals, such as those who smoke, are overweight, or have a dangerous occupation or hobby (for example, flying), will pay more.

Life insurance policies often have hidden costs, such as fees and large commissions, that you may not find out about until after you purchase the policy. There are so many different kinds of life insurance, and so many companies that offer these policies, that you should use a fee-only insurance adviser who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your adviser should not be affiliated with any particular insurance company and should not receive a commission from any policy.

A healthy 30-year-old man could expect to pay approximately $300 a year for $300,000 of term life insurance. To receive the same amount of coverage under a cash value policy would cost over $3,000.

The Bottom Line

When choosing life insurance, use the internet’s resources to educate yourself about life insurance basics, find a broker you trust, then have the recommended policies evaluated by a fee-only insurance adviser.

Internationally known financial adviser Suze Orman strongly believes that if you want insurance, buy term; if you want an investment, buy an investment, not insurance. Don’t mix the two. Unless you’re a very savvy investor and understand all the implications of the various types of life insurance policies, you most likely should purchase term life insurance.