Centura Blog

Connecting Communities & Careers

The Path to Financial Literacy

Posted by on May 28, 2020 in Adult Education, Centura Chesapeake, Centura College, Centura Columbia, Centura Newport News, Centura Norfolk, Centura Richmond, Centura Virginia Beach, Financial Aid, Lifestyle

Written by Mike Vaughn

You may have found yourself asking, “what exactly does financial literacy mean?” Understanding the topic of money sounds simple enough, but its complexity depends on our goals. For everyday life, we only need enough to pay our bills and not be overdrawn by payday, but we may be able to do better than that by paying more attention to the ongoing struggle between our wallets and our bank accounts.

The odds of hitting the jackpot are 1 in 302,575,350, according to Mega Millions. Upon discovering this, most of us must find a different path to financial independence. The saying “spend less, save more” is a good start, but there’s so much more that we can do. We’re not going to go into the stock market here, but we’ll cover some easy things you can start doing today, tomorrow or next week.

Why is Financial Literacy Important

A basic understanding of your finances can help you set financial goals, manage your credit and even determine which bank you should be using. Obviously, the sooner you figure out your finances, the better. We can ruin our credit in a matter of months, but it takes years to rebuild. 

Credit Scores and Credit Utilization Ratios

You never know how important your credit score is until you’re making a major purchase.  Your credit score determines whether or not you qualify for that loan or financing; it also determines the interest rate you’ll be paying. 

It’s a good idea to keep your credit use below 30% of your total available credit.  That is your credit utilization ratio, and it is calculated by dividing the total amount on all your credit cards by your total available credit. For instance, if you’ve got a $1000 credit card, you’d want to keep your balance below $300. If your credit utilization ratio is above 30%, this can hurt your credit score, as this is the second biggest factor affecting your score next to payment history.

Setting a Budget

It’s also important to keep an eye on your accounts and track your spending because it’s easy to find your account overdrawn if you’re not careful. The best thing to do is create a budget. It doesn’t have to be too complex, but some way for you to see how much money you’ve got coming in and how much money you’ve got going out, and when. With this information, you’ll be able to plan how to use your money more efficiently. Once you see where your money is going, it’ll be easier to fine-tune your spending and set financial goals. 

There are a lot of resources online for information and tools you can use. With these financial management tools, you will easily be able to manage your money, manage your debt, and manage your credit.

A good method to follow is the 50/30/20 budget rule. That is 50% for essentials, 30% for personal spending, and 20% for savings and other financial goals.

Financial Literacy for Saving

Be sure to make savings a part of your monthly budget, no matter how small the amount. It’s important to keep your savings out of your checking account. Also, don’t confuse your wants with your needs.

An emergency fund is another good idea, but only dip into it in case of emergency, such as job-loss, medical emergencies, emergency home repairs, vehicle repairs and things of that nature.

It really is never too early to start saving for retirement, so try to get into a 401(k) program as soon as you can. Ask your employer or your bank about getting started, and they will walk you through your options. It’s also recommended that when you get a raise, increase your retirement savings, too.

Other Things to Know

Be aware of interest rates for credit cards, loans, and even savings accounts, as some are better than others. 

A good method for tackling debt is to pay off smaller bills first and getting them out of the way. Follow that up by attacking your higher interest credit cards or loans. 

It might also be a good idea to adopt a cash-only diet. This curbs spending and makes your money a lot easier to track. 

On a final note, it can’t be stressed enough that the more you learn about financial literacy, the closer you will be to reaching your goals.

For more information on Centura College, visit www.centuracollege.edu

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:

Students Safety Priority: Centura Offers Distance Learning

Posted by on May 5, 2020 in Adult Education, Press Release, Spotlight Feature

Centura College adapts to needs of their students and offers distance learning via temporary online classes for their educational training.

Centura College Student Practicing Distance Learning.

Written by Jul DeGeus

In these unique times of uncertainty, all Centura College locations have adjusted their educational training to provide students with online distance learning. This temporary shift in curriculum enables students to safely practice social distancing without discontinuing their educational journey.

Administrators and campus leadership have worked tirelessly to create strategies that enable learners to continue their schooling while being provided support during these unpredictable times. Centura College Campus Executive Directors have equipped instructors and their students with digital distance learning tools, “The change was difficult at first, but has turned into a creative dream.  Our instructors are learning how to have students do hands on labs while at home and watching them being done via video.  Our students have been able to continue their education, keeping pace for graduating on time, and have been appreciative of the hard work that the staff and faculty have been doing to make this work.” said Greg Daniels, Executive Campus Director of the Centura College, Newport News location.

While practicing this impermanent tactic of distance learning, Centura College Students will still have the opportunity to speak directly with fellow classmates and instructors in real-time using group conferencing and traditional electronic communication. Each Centura College campus has employed a variety of strategies based on the needs of their students. Students should check with their home campus to ensure they have all the tools they need to continue their education through this unique experience.

  • Chesapeake – 757.549.2121, 932 Ventures Way Chesapeake, VA 23320
  • Newport News – 757.874.2121, 616 Denbigh Blvd, Newport News, VA 23608
  • Norfolk – 757.853.2121, 7020 N Military Hwy Norfolk, VA 23518
  • Richmond – 804.330.0111, 7914 Midlothian Turnpike, Richmond, VA 23235
  • Virginia Beach – 757.340.2121, 2697 Dean Dr, Virginia Beach, VA 23452

For more information on Centura College, visit www.centuracollege.edu

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:

Centura College’s Try a Trade Event

Posted by on Mar 4, 2020 in Adult Education, Centura Norfolk, Construction Electrician, Dental Assistant, Dental Assisting, Health, Health Information Technology, Skilled Trades, Skilled Trades Careers

Written by Meagan Chappell

Centura College’s Norfolk campus hosted their first Try a Trade Open House on Friday, January 10.

The Try a Trade campus event welcomed the public to try a trade for a day. The event mimicked a typical college shadow day, but with a twist. All attendees had the opportunity to explore a skilled trade of choice and received hands on training. Whether they selected the carpentry trade or construction electrician trade, attendees worked hands-on with professional assistance by experienced trade instructors.

The attendees learned how to safely use tools of the trade to assist with cutting, shaping, installing and much more, allowing them to gain experience immediately. Several instructors were on hand to talk about why they’re passionate about what they do and the opportunities that stem from hands-on learning. The attendees thoroughly enjoyed test-driving the actual equipment that will be available to them and were able to leave with hand crafted pieces of their work.

Centura College believes providing hands-on learning is the way to take what you’re learning in the classroom and apply it to real experiences.

Trade Programs

The Carpentry program at Centura Norfolk provides students with the technical skills to build, install and/or repair residential, commercial, and industrial structures such as floors, walls, roofing, windows, and doors as well as interior and exterior building structures. Students who graduate from this program will have learned how to construct, repair and install building framework and structures made from wood and other building materials.

The Construction Electrician program at Centura Norfolk provides students with the technical skills to setup, install, repair and maintain electrical systems that provide heating, cooling, lighting, communications, and power distribution for residential, commercial and industrial structures.

Centura College’s Norfolk campus offers training in the following career fields:

Carpentry

Construction Electrician

Dental Assisting

Health Information Technology

Medical Assisting

For more information regarding Centura College’s Norfolk campus program offerings, contact the campus at (757) 340-2121.

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:

Centura College Supports the Children’s Hospital of Richmond Arthur Ashe Books for Kids Program

Posted by on Nov 26, 2019 in Adult Education, Campus Connections, Centura College, Centura Richmond, Community Connections, Health

Community Outreach Representative, Robert Youngblood with Sue Patow and Peter Weismuller.

Written by Robert Youngblood and Meagan Chappell

Centura College is challenging the Richmond area to donate new books to the community!

Our Centura Richmond Metro team had the pleasure of meeting with volunteers of the Arthur Ashe Books 4 Kids Program, an organization supported by VCU Medical Center Auxiliary that works with children to select age and reading level appropriate books. Volunteers Sue Patow and Peter Weismuller are book buddies who encourage parents to read with their children while waiting in the clinic or at home. Located on the 3rd and 4th floor of the Children’s Hospital are mobile book carts, stocked with books for all ages and reading levels. Eighty-five percent of the books given to families to take home are interactive touch-and-feel book for early readers.

Book Donation Requirements

Since its origin in 1997, the program has received over 91,000 books and is projected to receive 15,000 books by the end of 2019. Throughout the remainder of 2019, Centura College is encouraging the community to support the organization through the donation of new books. All books being donated should be brand new and should fall within the following parameters:

  • Board books for early-level readers
  • Multi-cultural books
  • Bi-lingual books (board books and early-level readers)
  • Graphic novels (comic books)
  • Biographies and autobiographies
  • Sports
  • Science/animals
  • No religious books
  • No political books
  • Generic (non-religious) Holiday books
  • Middle School level books (chapter books, adventure series books)
  • High School level books (social issues and peer relationships)

Drop Off Instructions

Centura Richmond Metro campus will be the primary drop off location. Books can be brought to our campus, located 7914 Midlothian Turnpike, N. Chesterfield, VA between 9:00 a.m. through 8:00 p.m., Monday – Thursday and 9:00 a.m. through 5:00 p.m. on Friday.

Our goal is to donate 10,000 books by December 31, 2019. By participating, you will directly support the Children’s Hospital of Richmond and the Arthur Ashe Books 4 Kids Program. You’ll also help provide children of all ages with appropriate books and promote childhood literacy and encourage parents to get involved in early literacy.

For details on how you can donate to the Arthur Ashe Books 4 Kids Program, contact the campus at (804) 330-0111.

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:

Centura College’s ‘Scope’ of Programs Expands

Posted by on Oct 15, 2019 in Adult Education, Career Change, Centura College, Centura Virginia Beach, Health, Medical Assisting, Press Release

Limited-scope radiologic technology training is now an option with the existing Medical Assisting program at Centura Virginia Beach.

Male instructor teaching Centura college Female student in the a Medical Assistant with Limited-Scope Radiologic Technology program

Written by Jul DeGeus

Centura College’s Virginia Beach campus is now offering a Medical Assistant with Limited-Scope Radiologic Technology program. This program will be offered alongside the campus’s existing training: Medical Assisting, Massage Therapy, Biomedical Equipment Technology, Business Management Associates Degree, Operations Management Degree and Allied Health Management Degree.

The Medical Assistant with Limited-Scope Radiologic Technology program provides the student with the knowledge and skills to become employed as a medical assistant with limited radiography for work in physician offices, hospitals, urgent care centers, and other health care facilities. Positions of employment related to this program consist of: medical assistant, laboratory assistant, limited-scope x-ray technician, phlebotomy technician and EKG technician.

Students will learn the fundamentals of medical terminology, anatomy and physiology and medical laboratory and exam room procedures. Hands-on learning will teach pupils to measure vital signs, perform EKG’s, urinalysis and phlebotomy procedures. Students will gain an understanding of insurance billing, radiologic equipment operation and radiation safety measures.

The healthcare industry desires the professional and medical skills of our graduates along with the interpersonal skills that we teach within the program. The program concludes with two capstone courses, which guides the student in preparing for a medical assistant industry certification exam and prepares the student for the limited scope radiologic exam. Upon successful course completion, students will be prepared to take the American Registry of Radiologic Technologist (ARRT) Radiography certification exam.

For more information regarding Centura College’s Medical Assistant with Limited-Scope Radiologic Technology program, contact the campus at (757) 340-2121.

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:

Centura College Hosts Career Fair to Support Job Seekers

Posted by on Oct 15, 2019 in Adult Education, Campus Connections, Career Change, Career Fair, Centura College, Community Connections, Press Release, Skilled Trades, Skilled Trades Careers

Centura College’s Richmond Metro campus hosts a Career Fair on October 16 for job seekers in the community.

Male Welder from Centura College

Written by Jul DeGeus

Centura College’s Richmond Metro Area campus is holding a career fair on Wednesday, October 16th, from 12:00 p.m. till 4:00 p.m. Located at 7914 Midlothian Turnpike North Chesterfield, Va., this event is free and open to the public, you can RSVP here.

Jobs seekers will have the opportunity to connect directly with recruiters from a variety of industries. Hiring managers will be present and are looking to fill positions within their respective organizations. These representatives will be accepting resumes as well as providing information regarding available job opportunities. On-the-spot interviews will be conducted at the discretion of the employer.

“Centura College of Richmond Metro continues to strive to be responsive to the needs of area businesses, industries, and the government,” stated Robert Jones III, Campus Executive Director. “We assist adult students to gain the skills and attitudes necessary for a meaningful entry-level career position. We look forward to having the community come out for this event.”

Career fair goers should come dressed in business attire and bring multiple copies of their resume. For more information regarding Centura College’s Career Fair, contact the campus at (804) 330-0111.

About Centura College

Centura College has been part of an organization dedicated to helping men and women develop careers since 1969. By training working adults in healthcare, technology, business, and trades, they connect communities with some of the fastest growing career fields in today’s marketplace. The school offers professional facilities, knowledgeable instructors, day or evening classes, job placement assistance and is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC). To learn more, visit www.CenturaCollege.edu or like them on Facebook at https://www.facebook.com/centura.edu.

Share our Blog post:
<