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There was yet another shock for the UK banking sector on Friday with the Lloyds Banking group making a statement stating that their losses are likely to be in the region on ten billion, yes ten billion! I keep reading that there is a good chance that the top brass of the banking sector workers are still going to receive their bonus. How can this be? Talk about rewarding failure. So is this acceptable? In this article I will be giving my opinion on this much debated topic.

At the outset I would like to make it clear that I do not work in the banking sector; I am in fact a person who offers a cheap holidays service; I am also involved with projects to do with jobs in foster care and selling external doors for a composite door company.

I remember the days when you could seemingly fully trust your bank with your money and when they were also a good form of investment. Their management were always the most respected of businessmen who would be prudent with their financial transactions. This is no longer the case. I have to say that I always grew up with the belief that our banks were safe and that they were prudent. I had a hell of a lot of respect for the people who ran these organisations and at one stage I even thought about trying to gain employment within the banking sector. All of that respect has now been washed away as we all become aware of just how much they have been gambling with our money. They have been seeking short term profits rather than investing for the longer term. I am sure that my own personal adviser once stated to me that this investment (I had just signed up for a stocks and shares ISA) should be seen as a long term investment, how ironic is that. This adviser worked for the then Lloyds Bank, now known as the Lloyds Banking Group, it is a shame that their senior management did not practice what they preach.

I was watching, with interest, the main men from these banks apologising on the television last week. It was pitiful, they were eager for our forgiveness and pointed out that they had learned from their mistakes and that it would never happen again. So are we supposed to forget the past and even forgive these people for the sheer mess that they have caused? Well would they forgive you if you missed a payment on your mortgage? Would they be happy to let you off if you went over your overdraft limit? I doubt it, they would impose charges and may even repossess your house. But what if you apologised and stated that you had learnt from your previous mistakes etc? It would make absolutely no difference!

As for their bonuses, there is no way that they should be paid any form of bonus. They have failed, they have let down their shareholders, they have let down many small businesses, they have let down the whole country. They should be ashamed of themselves.

               Most people have known for a long time that one of the secrets to success is education. There is a direct correlation between higher earnings and higher education, not to mention the many chances for more responsibility and management duties that come along with those higher wages and advancement. For many, this is the type of career they want, and yet it can be difficult for some to arrange attending school while retaining their current position or looking after their families. That is why finding an online MBA college can be the answer for many of these people. It is now possible to complete an entire MBA degree all from the comfort of your home computer, through over a hundred different schools. This means that you have options as far as the quality of the education that you will receive, as well as the cost.

               For many, the cost of returning to school can be a daunting one. Although there are financial aid and student loan programs available to many, a lot of people feel that after the current financial crisis the last thing they want to do is to be taking on more debt. Fortunately, just as there is in regular brick and mortar classrooms, there is a wide price range in the available MBA programs online. An online MBA cost might vary anywhere from as little as just over $7000, to just over $100,000. This is the same sort of wild price gap that we see in regular educational institutions, and so making the decisions about which school to complete your MBA through might depend on both what specialty you wish to have, and how much you can afford to pay in tuition fees.

               However, even though the cost of these courses can seem quite steep at times to people, you have to remember that you are investing in your future. An online MBA course may carry a hefty upfront payment in order to complete your course, but education is always an investment in your future, and one that pays dividends much more reliably than certain other investments you could make. No one tries to dispute the fact that education can be costly, but there are a lot of facts and figures which all go to show that people with an MBA earn considerably more than their less educated counterparts, and so not only will you earn that payment back, but likely earn it back many times over after you have completed your program.

Earning your PhD is a time consuming, difficult task but can be managed well by just a few simple tips. Online courses often are difficult to complete without a working time management schedule. You have worked hard and understand that just experience won’t cut it in this world of competition. This is true for business, business administration, human resources, IT technology, sports management and so much more. That is why online PhD management is so important. Here are few tips to help you manage your doctorate degree while staying sane.

1. Know your learning style! Reading and writing alone will not be sufficient to permanently cement information in to your brain. That is why it is important to know what style you best learn from. Reading, Listening, Seeing, Speaking and Doing are the 5 styles. Your styles of learning will change from time to time and are vastly different from childhood to adulthood learners. In order to get the most out of your learning, take an online learning styles quiz and begin studying the way your brain best thinks. If you are looking to get the top online MBA scores, this will definitely help!

2. Motivation is key! Staying motivated through a long, difficult course may prove tiring but with just a simple acronym, you may be closer to maintaining motivation than you think. ARCS method of motivation created by John Keller stands for Attention, Relevance, Confidence and Satisfaction. The basic idea is that you establish and maintain “attention” on a subject. Then you link the “relevance” of the subject to everyday ideas. “Confidence” in a positive behavior about your learning keeps your spirits up and helps you learn. Finally “satisfaction” is the last step. Once you have attained your goal, you feel satisfied and will strive for similar goals because of this one’s success. This acronym will put you in a cycle of positive mental and emotional states about your learning.

Doing these two things will give you an upper hand with your top online MBA programs. Keep on top of your learning style and make sure you never forget the ARCS acronym. By doing this, it will help you to efficiently compete in this world of corporate competition. As your thesis and dissertation come closer to being due, you will feel more and more comfortable and less stressed about the impending projects. Your corporate life will blossom in ways you never thought possible!