Dr. Diane Hamilton's Blog

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Ask Dr. Diane: Starting Over In Life – How to Catch Up Financially

Today’s Question Is:    I am pursuing my Masters. I am divorced, 49 and just starting over in my life.  I now have a 30 year mortgage on a home (I look at it as an investment).  I really am worried about my future and how well off I will be financially.  Starting over has cost me a fortune but personally I am extremely happy, until I think about my future, and then severe anxiety.  Not to mention paying student loans.  Anyway do you have any resources for women like me?  I feel happy that I am an RN and am actually working but I want to be better off financially.

Answer:  Thanks for the question.  Having a masters can only help you in the long run.  It opens doors for you in terms of work possibilities.  You said you like being an RN.  Are you interested in teaching as well?  I like the site http://higheredjobs.com. They list teaching jobs for people with a master or doctoral degree.  I think teaching online could be a good part time way to get extra money and also set you up for a possible full time job in the future should you want to stay home, not be in nursing any more and/or not be worried about your age being a factor in finding new career opportunities.  I am almost 48 … and realistically we are not at our most marketable age.  I write about this in my book How to Reinvent Your Career.  It will be available on Amazon in about a month or so.  You can find out more here on my website and on my blog at www.drdianehamilton.wordpress.com or on Facebook.
 
Be sure you are putting the maximum amount away in your 401k or your IRA if you don’t have a 401k. After you turn 50, you can put an additional $5500/year away in your 401k to catch up if you are behind. Many people are working past the retirement age of 65.  If you have your masters and have some online teaching experience that you could be developing now, you will be able to supplement income nicely and not have to work a full 8-hour day.  The extra income could also help you pay off those student loans. 
To hear more financial advice, listen to my recent interview with Dean Voelker by clicking here.

Ask Dr. Diane: What are the Top 15 Writing and Grammar Mistakes You See as a Professor?

Today’s question is:  What are the top mistakes you see students make in terms of spelling and/or grammar?  Here is a list of some of the common mistakes I see on a regular basis:

  1. A lot should be written as 2 words and not as one word as in a lot.
  2. Cannot should be written as 1 word and not as two words as in can not.
  3. Use effect as a noun and affect as a transitive verb.  Example: Something may have a lasting effect.  The delay may affect your plans. 
  4. Use except as a verb and accept as a preposition.  Example:  He counted all of them except the last one.  Please accept my apology.
  5. When including numbers in your writing, be sure that you spell out the number if it is the first word in a sentence.  Example:  It is correct to write:  Fifty people were in the crowd.  It is incorrect to write:  40 people were in the crowd.
  6. Many people still get its and it’s mixed up.  You only use “it’s” when you mean it is.  Example:  It’s getting late.  Use “its” to show possession of something.  Example:  Its case is blue. 
  7. Irregardless should not be used as a word.  You might find it in dictionaries as you would ain’t.  However, it is not proper to use as a word.
  8. Many get lose and loose mixed up as well.  Lose sounds like looze and is used when something is lost.  Loose means not tight and is used as an adjective. 
  9. Use anyway as one word if you mean “in any event”.  Example:  She is going to the party anyway.

10.  It is correct to say between you and me and incorrect to say between you and I.

11.  It is correct to say I couldn’t care less and incorrect to say I could care less.  Interestingly only 1 in 5 people say it correctly. 

12.  When to use e.g. and i.e.  Use e.g. When you mean “for example” and use i.e. when you mean in other words. 

13.  Use farther when you are talking about a more advanced point.  Example:  Drive farther down the road.  Use further when you mean to assist.  Example:  He was trying to further his ambition. 

14.  If someone is from Scotland, they are Scottish and not Scotch.

15.  When to use I or me . . . It is correct to say it has been a good year for Bob and me.  It is incorrect to say it has been a good year for Bob and I.  Take the words “Bob and” out of the sentence and it helps to tell you if you are correct.  For example:  It has been a good year for me sounds correct.  It has been a good year for I does not.

Ask Dr. Diane: First Time Online Student Questions

Ask Dr. Diane:  This week’s question is actually a compilation of several questions my “new to online learning” students have asked this week.

  1.  How much time does a student have to complete an online quiz?  This varies by school and by quiz.  In most of my courses, there is no time limit on taking the quiz.  However, many of the quizzes are set up so that you can only take them once.  If you get out of it, they often do not let you get back into it.  If you have technical difficulties, you might be able to call technical support and have them reset the quiz for you.
  2. How many discussion questions do I have to answer each week?  This also varies by school.  I have schools where I post one or two discussion questions each week that we get into a lot of depth discussing.  I have others were we have 5 questions.  Most schools require that you not only answer the initial question but that you also respond to some of your fellow classmates’ responses to that question. 
  3. How much time will I need to spend online each week?  This is a complicated question to answer.  Most of the classes I teach are asynchronous which means you can access the class during the hours of the day when it is most convenient for you. If a class is synchronous that would mean you would have to be online at a specific time.  In asynchronous classes, like the ones I teach, the majority of times students will spend will depend upon the course being taught.  It has been my experience that first-time 100 level courses require more reading than they do a lot of writing.  As you progress into master level courses, more research and writing will be required.  If you are reading more than writing, the time you spend online would depend upon whether your books were online books or regular books.  Even if they are online books, you could technically print them out.  I have some students say they spend about an hour a day online while others spend much more time.  A lot depends upon your learning style and that week’s assignments’ requirements.
  4. How are assignments submitted?  Each school uses a software program to have you access their classroom materials.  This software is called a platform.  The schools where I work use: OLS, Angel, eCollege and Blackboard.  The software for each school may differ to some extent, but in general, you will post answers to questions by responding in a way that is similar to responding to an email or a blog posting.  To upload assignments, it is very similar to uploading a file as you would if you were attaching it to an email. 

I answer a lot of these questions and more in my book:  The Online Student User’s Manual.

Ask Dr. Diane: How to Become an Online Professor

Ask Dr. Diane:  How Do I Become an Online Professor?
 
Today’s Question:  One of my goals is to teach for an online university. Is a Masters enough or do I need a PhD? What can I do to enhance my chances? Do I need teaching experience or does work experience with education qualify me?

These are all very good questions.  A lot of these questions are answered in a book by Dr. Danielle Babb called Make Money Teaching Online.   http://www.amazon.com/Make-Money-Teaching-Online-Credibility/dp/0470100877/ref=ntt_at_ep_dpi_1.  Dr. Dani gives some great advice.  She was on my doctoral committee and she really knows her business.  I highly recommend getting a copy of her book. 

There are some schools that allow you to teach with a Masters.  Some schools do prefer a PhD – especially for teaching higher level courses.  I think the best site to find online teaching jobs is www.higheredjobs.com.  Your best bet to enhance your chances of getting accepted is to apply for actual jobs that are listed on sites like Higheredjobs as well as through other sites like www.monster.com.  I have seen the University of Phoenix on Monster but not on Higheredjobs – so it is important to look at several sites to find all of the jobs out there. It is good to have online teaching experience but not all schools require it.  They like to see that you have real world working experience which is helpful when you are participating and sharing in the classroom.    

Ask Dr. Diane – Today’s Question About: Online College Student’s Learning Style

I am happy to answer questions about online learning, understanding personalities, careers and job changing, personal finance, and more . . . To see the list of things I write about, see the categories to the right. 

Today’s question:  In an online-learning system, how do you identify visual and verbal learning styles, and then what is the right method to use. Maybe you can give me the information and recommendations about it. Thanks.

There are several instruments (tests) that can be taken to give you an idea of your preferred style of learning.  You may have heard of VARK, Kolb’s Experiential Learning Theory (ELT), or The Index of Learning Styles .

 Although it is the most helpful to do so, you don’t necessarily have to take a formalized test to know which of the styles best fits you. A student can try several different methods of learning to see which of them provides the most benefit. 

Some clues that you might be a visual learner would be if you like to:

  • Highlight or underline things to remember them
  • Prefer to re-write notes you have taken to better remember them
  • Find charts or graphs helpful
  • Find flashcards helpful

Some clues that you might be better with verbal learning would be if you like to:

  • Talk about what you have learned
  • Do well with audio books or like to record lectures
  • Read out loud to listen to questions asked and hear your answers given.
  • Like study groups

The following site offers a free learning assessment:  http://www.learning-styles-online.com.  This site could be a good starting place to give you a idea of what your style is and to suggest ideas of things you can do to help you learn based upon your preferred style.  

If you have a question you would like to ask me, please contact me by clicking here.

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Thanks for the great question!