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Christmas signifies harmony and affection. It’s an occasion for enjoyment, laughter and celebration around the world. The greatest part of Christmas practices and conventions, providing gifts to the one you love is presumed to be a perfect opportunity to give your love and gratitude. Christmas minus the gifts is not completed actually. You can impart your concern, appreciation and tons of warm wishes with Christmas gifts. A Christmas gift is extraordinary and remarkable to people who gives and receives them.
In the search for an extraordinary gift for your loved one is not an easy task at all. It can really be annoying when you are searching for the right gift. One of the useful and most cherished geschenkideen that sincerely are heart warming is an extraordinary handcrafted gift.
Quick handcrafted Christmas gifts
It’s not a secrecy that Christmas is in reality a time of the year that is full of glamour where a time of families team up, appreciate fine dining and open amazing Christmas presents. It’s weird as it may seem, our years are not important. Receiving gifts is really fun when we are young even though the Christmas gifts have been changed over the passing of time.
Here is a compilation of extraordinary handcrafted gifts for your next Christmas gift shopping:
- Teacup Candlelight
Fascinating, fragile teacup candles will uncover the softer side in all of us. Search for antique teacups at your local thrift shop or reuse your own. A couple of teacup candles will show ravishing as a collection and makes a fine gift as well.
- Garden Stone
Whether there is a family member that adores gardening, this garden stone is a fantastic token or memorabilia. Just personalize it with a name and wrap it in a joyous bow. It will make their garden appear bright and cheerful regardless what the climate is outside.
- Lip Gloss
Lip gloss is an ideal gift to offer during the wintry season when several endure from cracked lips. The scent and color is up to you and you can find a huge choice of containers and label by searching the website.
- Multi-purpose Spice Rub
An excellent gift for the ardent cooker or family chef, handcrafted multi-purpose spice rub is ideal in hand for benefit and assured delicious flavour. This recipe may be modified agreeing with the taste by increasing extra chilli pepper for a spicy thrill. Gift it in Mason jar with a fancy label.
- Picture Frame Memory Ring
At any rate, it is a splendid way to allot family photos in an elegant way.
- Gem Earrings
Style your own earrings out of gems and an ordinary jewelry chain. Create a large batch to present to all the remarkable women in your life like moms, officemates and girlfriends.
- Transparent Make-up Bag
Increase a common make-up bag by attaching lasting waterproof stickers. Personalize bags for your family and friends so they can save their make-up and travel sized items like shampoo and lotion.
Buying extraordinary handcrafted gifts has many advantages – makes gift giving more meaningful and endorses local craftsmen. However, shopping for these presents in a tremendous Christmas shopping crowd can be very disturbing. As a result, internet is the most effective way to shop from the amenity of your home or office. Despite that, you should buy them from an honest online shop which has been assisting a lot of people to have good buy for their money.
There are a number of people that are looking to book cars on a daily basis. The needs of each of these people vary. Some are for personal use while others are for family members and friends and there are others that book it for daily commute to and from work. If you have not yet jumped on the bandwagon and you are not sure how a car rental service will work for you then you need to make sure you take advantage of these services today. If you’re looking for the best car rental service and this is your first time using it then you need to go and check out limohire-sportcarhire.co.uk. One of the best things about this car rental service is you will be treated very nicely because customer service is their priority.
Most car rental services do not really take care of the customers and they end up treating customers badly. This could lead to you not using car rental services ever again in future and missing out on one of the best things in life. A car rental service is not necessarily just for commuting. You can just get away for a long drive to clear your head if you have a lot of stress at work and this is where a car rental service will help you. You do not need to worry about driving anywhere or parking anywhere. All you need to do is sit in the car and tell the driver wherever you want to go. You can just enjoy the view, clear your head and gather your thoughts and get back to your daily life once you are back.
Another advantage car rental services is you will be able to ensure that you get everywhere on time. People are usually late for work when they depend on public transport. This is due to the rush during peak hours as well as traffic. You may end up missing the train because there was a lot of crowd or get stuck in bumper to bumper traffic. With a car rental service you will not have to go to these problems because the rental service does not necessarily take the most common route. The drivers are given the liberty of taking routes that are slight detours and can avoid traffic as well. The drivers are well trained and they will ensure that you reach your destination on time and safely.
Another advantage of hiring cars from the reputed car rental services is you will be able to ensure that you get the best rates possible. Most people think that renting a car can be quite expensive especially if it is a high end car. However that is not the case and the best rental services usually make the services affordable because they want you to keep coming back again and again to avail their services. Once you get used to renting a car and travelling in comfort you will never want to go back to taking the public transport to work or anywhere else that you need to get to.
A variety of polices are available to the consumer looking for life insurance rates, whole life policy types. Depending on your medical history and how old you are, your rates will be decided. Once you have chosen a policy based on the variety of beginning rates, your rates will usually be the same for the rest of your policy payments.
The least expensive whole life policies are available to young people. When you get older the prices will go up as well. Choosing a good whole life policy when you are young will provide a more than adequate death benefit as well as investment options.
People that advise about finances will be able to offer a good perspective on whole life policies. Most important are financial advisers that work with the general public. Going online and using the different tools available will show rate comparisons that will help you.
Online websites will be one of the easiest ways to compare rates because of the variety of choices. The simplest way to find the rates you want is to use rate calculators. Choosing sites that are not linked to a particular company will give you the best rates. Company websites are also effective; just make sure you are comparing all of the exact specs.
While looking at rates it is important to note that you cannot compare term policies with whole life policies because they are so different, and so are their costs. Whole life policies offer a distinctly different set of investment opportunities then term life policies do. Basically comparing the two, based on rates, is like quoting the proverbial apples and oranges.
A whole life policy rate is an investment in your financial picture and not an insurance cost. As an investment, it is an asset. You will continue to pay the same rate as you watch your money grow in cash value.
You will not have to pay whole life premiums throughout your entire life if you opt not to. Rates can be paid until the product matures, when you are 100, or when you pass away with a straight life policy. One other type of whole life is the limited pay policy. Your rate is determined by how long you want to pay premiums. Even though you are investing the same amount of money, it will take less time to pay it off.
Whole life insurance policies need to be looked at in their entirety, not just as insurance. Instead of looking at just the rate price, also look at how your investment will reward you. You can buy affordable life insurance with a little research and smartness.
The majority of small business owners love to recommend their employees to enroll in life insurance. Unfortunately, choosing a group scheme is expensive, especially when you don’t have much staff. There is no need to worry as going for the relevant life insurance will work as an alternative. A relevant life policy is like a death-in-service advantage. The company sets and pays for it, but the payout is given to the staff member’s beneficiary on death.
Therefore, it is used by small businesses that cannot establish group life insurance but thinks to give a bonus to their staff and directors. The relevant one can be useful for them who want to save something for their retirement. In spite of having lots of benefits, still many owners are confused to choose the policy or not. In the guide, we would like to tell you about the complete information about the relevant policy, cost of life insurance, and some other aspects. By reading the article, you will come to see whether you should go for it or not. Let us talk about the facts below.
- How does relevant policy work?
- This one is similar to traditional insurance. In the plan, an individual will be assessed based on the cover required, lifestyle, age, and health. The amount demanded is set according to the salary, mortgage cost, and some other factors like personal bills. This helps to generate the policy, which is paid by the company, not the individual.
- In some cases, when the person dies at the time working for the organization. Therefore, the beneficiary will get the amount free from all the taxes. The recipients are the family members of that employee.
- The cost of life insurance covered in the relevant plan is set for the specific level. This means everyone has a different payout for the policy, and there may be chances to increase the premiums. Some other plans have guaranteed a rise in the pay. It will not be considered as a generous benefit. No insured person needs to pay for the income tax, and on the other hand, the business can treat it as the cover for the expenses or tax bills.
- Death in service includes coverage around two or four times the present salary, and it is free from the tax. But, the relevant life insurance policy can cover a lot more than the first one.
- Some benefits of the relevant life insurance
- Good for business
The first that come in every mind to save maximum tax and choosing the relevant one is the best option for the job. A company consists of a larger group that can save more for taking the insurance. If there is only one or no member, then there is no chance to qualify for enjoying benefits.
- A great option for employees
The relevant one is also useful for employees working in a small company. The reason is that there is no cost of life insurance which they need to pay. This means the relevant policy is like a benefit for them.
To summarize, these are the top facts that you need to know about the relevant life insurance. It is up to you to take advice from an expert before enrolling in any policy.
It you are looking for other means on how you can diversify your investment strategy using the
best life insurance, you are in the right place. This article will go through a type of life insurance that can certainly solidify your portfolio using a product that offers cash value and interest growth – universal life insurance. Surely, there are several types of insurance that insurance companies offer to the market. While most of these insurance are beneficial, universal life insurance is one of a kind. Generally, this type of insurance gives the owner some benefits that other insurance does not have such as protection of life insurance, cash value and fixed interest part of the entire policy. Moreover, universal life insurance is also known as a life insurance with the combination of a savings account. It also offers flexibility to policyholders because the policy of a universal life insurance can be altered when the situation of the insured changed. Hence, it will provide convenience to the owner to fit the changing needs of the insured.
Furthermore, there are several different advantages of a universal life insurance. These include the following:
As mentioned earlier, one of the main benefits of a universal life insurance is flexibility. This type of insurance givers freedom to the policy owners to have discretion on the amount of the death benefit protection that they desire and need. They also decide on the premium amount that would like to pay. Moreover, a universal life insurance provides freedom to the owner to change the policy when the situation of the insurance changed.
While this may sound common and already a given, universal life insurance offer a guaranteed and secured amount of death benefit. This will provide benefits to the owners to have stress free life. Hence, the owner doesn’t have to worry about financial constraints in the future.
Another advantage of a universal life insurance is that it provides a tax deferred cash value and growth. Thus, this will provide policy owners an additional benefit.
Universal life insurance also offers guaranteed interest rate on the fund’s growth. This interest rate is secured to never fall below a particular level.
There are also other considerations that you have to measure before availing a universal life insurance policy such as policy guarantees, premium payment, fees, and cash value options. Policy guarantees refer to the particular guarantees of the policy such as interest rate, death benefits, longevity and others. Premium payment refers to the required minimum premium payment that you have to pay set by your insurance company. Fees refer to the fees or charges included in a universal insurance policy. It is very important to be analytical and familiar with these charges. Lastly, cash value options refer to the underlying investment options in the cash value component of your policy. Overall, these factors should be carefully consider before purchasing a universal insurance policy.
Ultimately, from the above facts about universal life insurance, we can fairly say that it is one of the best types of life insurance policies that you may want to consider. With its benefits and advantages, a universal life insurance is indeed a good deal. But it is still important to consult to a life insurance agent before making a final decision.
Tim Bergling, fondly known as “Avicii”, broke the hearts of millions of EDM fans last year with the news of his tragic suicide at a tender age of 28. But despite such a brief career graph, the talented musician has had gifted the music world with many top EDM songs– that have even won him Grammy nominations. The post below offers a brief on some of the best astonishing facts about Avicii as a tribute to the promising musician we lost too soon.
Facts about Avicii every EDM fan should know:
- Avicii bagged the honorable 3rd position on DJ Mag annual list of “Top 100 DJs” for two years straight (2012 & 2013).
- The name “Avicii” holds a reference to the Buddhist religion. “Avici” refers to a level of hell in Buddhism. He learnt about it from a close friend and immediately wanted to have it for his name But “Avici’ was already taken by a Myspace account and thus he took to an extra “i”. It took him around 18 months to accommodate himself behind decks.
- The Swedish musician received Grammy nomination twice in his brief career of 12 years. One was in 2012 for “Sunrise” that he composed with the great David Guetta. The other was the very next year, in 2013, for his most famous hit “Levels”. In 2013 Grammy, he was nominated alongside some of the most celebrated biggies of the music industry, including Skrillex, Calvin Harris & Ne-Yo, Al Walser, John Martin & Swedish House Mafia.
- The gifted Swedish EDM artist is often hailed as one of the most pioneering DJs to get EDM into the prestigious list of “Top 40” radio since early 2010s.
- “Levels”, the blockbuster single that claimed him fame for the first time, hit the prestigious top 10 charts internationally in multiple countries. These include the UK, Slovenia, the Netherlands, Italy, Ireland, Greece, Norway, Germany, Finland, Denmark, Croatia, Bosnia, Belgium and Austria. In Hungary, Sweden and Norway it shot to the #1 position.
- “Levels” was released in 2011 and was both written & produced by him. The vocal reference of the internationally famous song is inspired by Etta James’ gospel-inspired 1962 release “Something’s Got a Hold on Me”.
- Avicii’s another hit soundtrack “Fade Into Darkness” had been sampled by popular singer Leona Lewis. Leona used it for her famous single “Collide”. However, the incident sparked a controversy Since Lewis didn’t accredit Avicii in her single. Things took an ugly turn and Avicii even blocked the release of the single. However, both the singers took to an out-of-the-court settlement and Avicii also agreed to work with Lewis later.
- “Seek Bromance”, one of Avicii’s major hits (2010), bagged a commanding position in top 20 list in multiple countries, including France, Belgium, the Netherlands, the UK and of course Sweden.
- “Last Dance”, Avicii’s unreleased single, was previewed in March 2012 in the popular BBC Radio show of Pete Tong. However, the song was officially released later in August that year only.
- The grand world premiere for another popular track “Wake Me Up” had a preview on BBC Radio by none other than the great Pete Tong in 2013 June. The track was released in the final quarter of the same month.
- Avicii was the FIRST ever DJ to command headline on the internationally acclaimed Radio City Music Hall of NYC.
- He performed with legendary singer Madonna in 2012 Ultra Music Festival on the track of “Girl Gone Wild”. At the same festival, he also performed with another great artist, Lenny Kravitz, on “Superlove”.
- Avicii’s another popular number, “Silhouettes”, was launched on 27th April, 2012. The single featured soulful vocals by the great Salem Al Fakir. No wonder, this one bagged a respectable position on international top music charts. It came at #6 for UK Dance lists as well as #4 on Billboard Hot Dance Club Songs.
- His sprawling 7,000 sq.ft abode in California’s Hollywood Hills is no less than a dream mansion which is worth a jaw-dropping $15,750,000. This plush residence mesmerizes with mindblowing views of the Los Angeles downtown up to the beautiful Santa Monica.
- The talented EDM artist has worked with several international artists from all across the world. One of his recent works was with famous Pakistani-American artist Nadia Ali. Avicii composed a remix for her track “Rapture”.
- Avicii loved his fans and appreciated their love towards him whole-heartedly. When his Facebook follower based hit 2 million, he celebrated it with a brand new track called “Two Million”. The song was even available for free download.
- He did the same when his Facebook page reached 3 million followers. To celebrate the feat, once again, he came up with a new track aptly titled “Three Million”. Featuring the great Negin, the track was released on 30th January, 2013.
- Avicii has had made significant contributions in the fight to eradicate global hunger crisis. In that light, he has even founded a charity in 2011 titled “House for Hunger” with his manager Ash Pournouri.
- He was a huge fan of the American party culture. He had even mentioned about his love for the party trend in the US in his interviews. He also lamented about the fact that such electrifying party culture does not exist in his own country, Sweden.
- The artist’s maiden show was before a mere 1,000 people. But shortly after, Avicii started commanding 6 figures at various clubs in the US. He had the most fitting comment for his rise- “It was plain perfect timing”, he had stated in one interview. “My rise to fame was just hand-in-hand with EDM.”
- He was the co-producer of Coldplay’s famous “A Sky Full of Stars” along with none other than Chris Martin.
It’s the misfortune of all the EDM fans and music connoisseurs in general that this young star is not with us anymore But still, given his amazing breadth of work, his musical legacy will always find a special mention in the global EDM music scene.
While petting animals at home, it is really essential to take care of certain essential elements so that one is able to maintain the hygiene from all sides. Keeping a cat at home comes with a lot of responsibilities. From maintaining its fur to clearing the litter, it is really essential to keep things clean for a better home atmosphere. Therefore, certain pet friendly products have crept its way to the market and made the overall scenario much easier and less challenging for pet owners. Therefore, one can use products like the cat litter mat that essentially helps to clean the litter of the cats and maintain a hygienic atmosphere throughout.
What are the features of the cat litter mats?
Ways to clean the mats as well-
A cat litter mat helps to clean the litter and opt to keep the place clean. Most of these mats are designed specifically keeping in mind the target and the uses. The mats are pet friendly and help to keep the cat safe as well. Owners should teach the cats where to do the litter and therefore, the cat litter mat can help to change the situations completely. These mats can be easily purchased in the market and even online as well. The quality of the product is maintained from the very start of its manufacturing so that the cats do not find any problem while doing the litter. The mats can be cleaned easily as well and one can see this technique of washing the mats from the internet too. Specific detergent options are available for cleaning the mats and one can suitably choose the products to maintain complete hygiene. Therefore, the cat litter mat helps to keep the environment very much pet friendly.
If you automate your HVAC systems then you do not have to worry about getting repairs. You can also save a lot of money and time spent on getting the repairs. That is why most of the professional will advise you to automate your HVAC systems. These are some of the ways by which you can automate your HVAC systems.
- Replace your thermostat
You can replace your thermostat with new ones which can provide you more feature. This way it will be more energy efficient and you can save a lot of money spent on electric bills.
- Get it installed by professionals
It is always advised that you use the services of professionals in order to get desirable results. This way you do not face any problems with your new automated HVAC systems. You can contact the professional by visiting the official website and hiring their services.
- Use your automated thermostat regularly
Most of the people do not use their thermostat on a regular basis which is very important. In order to increase the durability of your systems, you need to use them daily so that it does not cause any inconvenience for you.
- Program it according to your suitability
If you are using the services of the latest thermostat then you can program it according to your suitability. This way you can truly enjoy using the services of automating HVAC systems. That is why it is always advised that you use the help of the latest tools in your house for more convenience.
You can get the help from AC Repair services for the installation of HVAC Systems. So these are some of the ways by which you can easily get the HVAC systems automated. You should always make sure that all the safety precautions are taken while getting any of these services.
With time passing by the internet has been universally acknowledged. Amount of people who use the internet is inflating almost every day. People take the help of internet for making money and also for gaining knowledge. Digital marketing is one such trending aspect of the internet. Digital marketing means using the digital form for running a business, it can be defined as connecting with the customers through digital means. One can use Top digital agency for marketing in NJ in order to interact with the consumers and as a result, a business can be established.
In the modern world, various online retailers are providing people with digital shopping experience.
Search Engine Optimisation (SEO):
SEO is the most important part of digital marketing. It helps in optimizing the website to higher ranks, so when one searches on the search engines, their website shows the highest rank in the results. It assists in improving the traffic of the website.
Social media marketing:
Social media marketing is responsible for promoting the brands and products on various social media websites such as Facebook, Instagram, Twitter, LinkedIn etc. This aspect makes sure that the general public is well aware of the product’s description and qualities. As a result, traffic is increased.
This is another practice of increasing brand awareness and traffic on one’s business website. It is often used to promote contents through emails which may include blogs and articles. Such blogs and articles have a fair description of the company’s brands and products.
The biggest aim of online marketing companies is to advertise their products. To achieve this end, they usually apply paid advertising tactics and increase the traffic on their websites. The company pays a publisher some amount so he can advertise the company. For example, paid Facebook ads, promoted tweets and sponsored LinkedIn messages.
Advantages of Top digital agency for marketing in NJ:
- It is time-efficient. This form of marketing helps to save a lot of time. The customer and the manager can easily interact through the internet. People can order goods on the internet so they don’t need to visit a particular store or shop.
- It covers a wide range of audience. Products provided by digital marketers are easily accessible, so anyone who has an internet connection can access them. Once circulated on the internet, the product reaches to a large amount of audience thereby increasing the profit and selling of the company’s products.
- The promotion used in digital marketing usually involves circulation of short videos, blog posts, short messages, attractive posters etc. The blog posts should contain proper SEO keywords in order to be effective.
- This kind of marketing lets the user see the results in a short period of time. Unlike offline marketing, the results are viewed quickly, if the marketer has made proper strategies and applied and promoted the product effectively then he might be able to see the results almost in 6 months.
The best part of digital marketing is that it doesn’t require much amount of money. Using blog posts, email marketing, social media marketing, and paid advertising is quite cheap and that makes digital marketing even merrier.
The trend of Mortgage is on the rise and it has become one of the most common loans in the USA. The houses, no doubt, are a basic necessity of life and owning a house becomes difficult unless you get the support of some leasing company. Numerous companies offer mortgage and miscellaneous loans on varying rates of interest and a client can choose any one as per his preference.
A time may come when a person can not make timely payments of his mortgage and faces the risk of repossession by the finance company. Community Mortgage Group is a highly trusted and credible company that helps its clients in facing such issues.
Community Mortgage Group
It is a Virginia based company with the business spread all across the USA. The company is a specialist in mortgage and they deal with all kinds of loans. The company was established in 1997 and it has links with the legal offices all over the USA. This cooperation helps them to solve the financial problems of their clients.
Advantages Of Dealing With Community Mortgage Group
The Community Mortgage Group is a trustworthy and reliable company that holds very good standing in the financial market. The company has an outstanding customer support system and it is a great experience to do business with this company. The company helps its clients in getting rid of the following loans:-
Refinancing of loans is an attractive package offered by Community Mortgage Group. There is no issue of any minimum credit limit to qualify for this offer.
Anybody can join it at any time. The company also tries to negotiate with the lending companies to get the terms of the lease relaxed. This causes great help in payments by the client.
2. Debt Consolidation
The Community Mortgage Group deals with matters of debt consolidation. It enjoys good relations with all the credit companies in the states. This helps the company in securing the best rates of interest for their clients. They also try to lower the otherwise high processing fees for debt consolidation and try to support the client in every possible manner.
The mortgages are a type of high-interest loan and they may become difficult to pay back in case of job loss or change of income. Community Mortgage Group provides assistance in such situations and tries to avoid the event of repossession of the property. It negotiates with your investors to get you flexibility in mortgage terms.
4. Customized Services
The company is staffed by highly educated and skilled agents. They offer you customized services for their clients. Each plan is carefully thought out and prepared to keep in view the peculiar needs of the clients. This ensures maximum benefit for the client.
The Community Mortgage Group can be contacted on following address:-
234 Expert Circle Suite 200
Princeton, WV 24740
New Mexico Public Education Department Secretary-designate Hanna Skandera wants to see as many of the state’s schools in person as possible, and on Wednesday she paid a visit to Raton.
“I’ve never been to Raton,” Skandera said. “I’m a big fan of seeing schools, visiting folks and getting outside of the Albuquerque-Santa Fe circle, seeing the rest of our kids.”
Skandera briefly toured some of the Raton schools and visited with Raton schools Superintendent Dave Willden about some of the district’s programs. Skandera said her visit wasn’t about discussing state policies but rather about learning what is happening in school districts, what their needs are and what the state can do to help.
“It was nice and appreciated,” Willden said regarding the visit. “I’m glad she was here and saw some good things happening here. Hopefully, she can help us move things forward.”
While visiting students at Kearny and Longfellow elementary schools, Skandera — who described visiting schools as “my favorite part of the job” — said she could tell that the teachers were focused on the students and have them “headed in the right direction.”
“It was all (about) the kids,” she said. “Each one of those kids was proud and willing to learn, and that’s a sign of a good teacher.”
The Raton visit not only allowed Skandera to talk to students, teachers, and staff, but to learn about the district’s desire to build a consolidated elementary school. While touring the schools, Willden filled Skandera in on some of the building issues with Kearny and Longfellow, at which district maintenance staff have implemented some short-term measures in hopes a new school building will eventually be achieved.
The district put a bond issue before voters in 2008 but it failed to pass. Willden has since steered the district’s efforts toward a lease-purchase arrangement, in which the district would use its operational savings — from the closure of the existing three elementary schools — to pay for its share of a new consolidated elementary school, but the district has been unable to get backing from the Public Schools Facilities Authority.
During Skandera’s visit, Willden explained that the district could save about $500,000 per year by consolidating the schools. Skandera told The Range that seeing the schools firsthand helped her understand the situation and that “anyway I can, I’d like to help” the district, particularly when the administration is trying to be “fiscally smart because it means more dollars for our kids. I want to support that any way we can.”
Willden also discussed the district’s partnership with Virgin Galactic, the focus of which is a plan to implement an aerospace career pathways program. Willden heads up the New Mexico Aviation Aerospace Educational Alliance.
“This is awesome,” Skandera remarked after hearing from Willden about the aerospace-related initiatives. She suggested the district might be able to receive career technical education funding through the state to help the effort.
“This is something I want to see (happen),” she told Willden.
Skandera said many officials at the state level have discussed the importance of schools partnering with businesses and the Raton school district’s work with Virgin Galactic is a good example.
“The schools are the suppliers of employees,” she said, adding that the aerospace career pathways program is one example of how schools can respond to the needs of businesses and get students prepared to enter the workforce.
“It helps the students to see what is possible (for their future) and how to be prepared for a career,” Skandera said.