Argosy University Blog

New Year’s Financial Resolutions: 4 Financial Planning Tips


Written by Dr. Paul M. Wendee, DBA, CFP®, CBI

Department Chair | College of Arts and Sciences| Graduate School of Business and Management at

Argosy University, Orange County

Now that we have begun the New Year, it is time to start thinking about some financial planning steps we can take to increase our wealth.

I wrote a short workbook on this subject entitled, Four Easy and Powerful Steps to Building Wealth. This workbook is available at no cost to anyone by signing up for the free membership to my website, the Intrinsic Value Wealth Report . The link for the workbook is: Four Easy and Powerful Steps to Building Wealth .

The four financial planning steps are as follows:

1. Set up a recurring investment into your bank account.

2. Determine an investment allocation.

3. Select your investments.

4. Start investing now.

The workbook has many resources to help you get started on investing in the New Year. Go to this link and sign up to get more details on starting your wealth building program.

Additionally, I would suggest that people of any age start planning for retirement. A good first step is use one of the many good retirement planning calculators available. The Intrinsic Value Wealth Report has one that can be accessed at Retirement Calculators . Also, look into using a retirement savings vehicle such as an Individual Retirement Account (IRA) or a 401K plan. Click Retirement Accounts for information on IRAs and 401K plans.

In the financial planning field, one of the best ways to save money is a concept known as paying yourself first. It is very simple and works this way. Each month, the first money that comes out of your paycheck should be to your own savings account or retirement planning account. After that, you can pay your bills, go on vacation, go out for dinner, buy your groceries, etc. Following this simple guidance will ensure that you will be setting aside some savings each month.

Couples should plan for savings and retirement, as well. As couples, it is critically important for you to be in agreement on your savings and investment plans. If you are not in agreement, it is unlikely that your savings and investment plan will ever get started. I have seen many couples fail in their financial goals over the years by not being in agreement and working together on their family financial planning.

Napoleon Hill said that if you can imagine something, you can achieve or create it. This applies to achieving your financial goals as well. Visualize what you are saving and investing for, whatever it might be – college for your children, vacation, retirement, and so forth. And most importantly, START NOW! Don’t wait. Procrastination never gets you to your goals. Furthermore, the power of compounding your investment returns needs as much time as you can give it for the maximum possible benefit from investing to be achieved. The longer you have to save and invest, the larger the potential returns you can achieve.

The information and opinions expressed herein represent the independent opinions and ideas of the faculty and do not represent the opinions and ideas of Argosy University.

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Benefits of a BSN: The Need for Bachelor’s Level Nursing Degrees in the Healthcare Marketplace


As the population of the United States ages, the need for registered nurses continues to grow. The American Association of Colleges of Nursing (AACN) cites the Bureau of Labor Statistics’ employment projections showing that nursing is one of the top occupations in terms of job growth in the next seven years. It projects that the need for registered nurses will increase by 16% through 2024 [1] .

AACN adds that a study completed in 2010 titled “ The Future of Nursing: Focus on Education [2] states the need to increase the number of “baccalaureate-prepared nurses in the workforce to 80%.” It mentions that while there was an increase in the number of nursing students pursuing Bachelor’s level programs in 2013, “this increase is not sufficient to meet the projected demand for nursing services.”

Argosy University offers students the opportunity to fill the need for trained nurses through its Bachelor of Science in Nursing (BSN) program. The program is offered at the school’s locations in Atlanta, Georgia; Farmer’s Branch, Texas; Denver, Colorado; Honolulu, Hawaii; Phoenix, Arizona; and Eagan, Minnesota.

Students pursuing a Bachelor of Science in Nursing (BSN) degree at Argosy University have the opportunity to gain the knowledge, skills, and behaviors needed for professional clinical practice and leadership in healthcare. They’ll also review and apply research findings to support desired nursing outcomes—and can learn to exercise leadership and self-direction in planning, initiating, implementing, and evaluating current and emerging roles in nursing and healthcare systems.

Because nursing is a profession built upon compassion and communication, our nursing students are taught the critical thinking skills needed to deal appropriately with professional decisions and ethical dilemmas. They have the opportunity to learn how to properly advocate for the health care needs of individuals, families, communities, and populations within appropriate professional, ethical, financial, political, and legal contexts. And they’re placed on a path toward lifetime learning—in a profession that is always evolving, it’s essential that nurses continue to grow and build their professional and technical skills.

Successful completion of this program enables graduates to provide comprehensive, culturally competent, and ethical nursing care to individuals, families, and communities. Our graduates are prepared with the nursing skills used to establish care priorities, delegate responsibility to members of the health care team, and make evidence-based decisions to achieve desired patient and organizational outcomes.

Interested in becoming a part of the nursing community? Fill the need for these valuable healthcare providers by starting on your path toward a Bachelor of Science in Nursing (BSN) from Argosy University. Learn more about our program and coursework by visiting our program locations page.

Programs, credential levels, technology, and scheduling options vary by school and are subject to change. Not all online programs are available to residents of all U.S. states. Administrative office: Argosy University, 333 City Boulevard West, Suite 1810, Orange, CA 92868 © 2017 Argosy University. All rights reserved. Our email address is
See for program duration, tuition, fees and other costs, median debt, salary data, alumni success, and other important info.

[1] Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook, 2016-17 Edition, Registered Nurses, on the Internet at

[2] The National Academies of Sciences|Engineering|Medicine, Health and Medicine Division, The Future of Nursing: Focus on Education, Released 1/26/2011, on the Internet at

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Facts about ADHD: What Everyone Needs to Know


       Since in the opening words of a book with the same title as my blog, and which I highly recommend, “Attention-Deficit/Hyperactivity Disorder (ADHD) seems to be everywhere these days” (Hinshaw & Ellison, 2016, xv), it is important for anyone who is interested in the mental health of children to have a grasp of the some of basic facts of ADHD. This blog, in a series of 3 presentations, will highlight some of the most important facts. For a more in depth discussion, the reader should consult the Hinshaw and Ellison book. This blog will focus on answering 2 basic questions: What is ADHD? And, How Widespread is it?

What is ADHD?

       In a nutshell, ADHD is a neurodevelopmental disorder that can result in a number of symptoms in two major groupings: inattention/disorganization and impulsivity/hyperactivity. Neurodevelopment means that the disorder is primarily caused by genes and typically manifests during the child development period, i.e., by age 12. Contrary to some musing in the popular press, the validity of ADHD as a real disorder has been established by numerous scientific studies. Like other mental disorders such as depression and many medical disorders (e.g., high blood pressure), ADHD symptoms vary along a spectrum of number and severity. It is only when the signs of ADHD reach a sufficient level to cause impairment in child’s functioning that a diagnosis is made. Also, and most importantly, symptoms such as inattention can vary markedly depending upon level of interest in the activity in which the child is engaging, e.g., homework or computer games. Hence an ability to focus for an extended period of time on some activities does not rule out ADHD. Lastly, with regard to symptoms, one of the foremost authorities on ADHD, Russell Barkley (2015), has made a strong case for symptoms of emotional impulsivity (e.g., low frustration tolerance, impatience, easily angered, emotional over-reaction) being as central to ADHD as the classic symptoms involving inattention/disorganization and impulsivity/hyperactivity.

How Widespread/Prevalent is ADHD in the United States Today for Juveniles and Adults?

        This is a vexed question since prevalence estimates for juveniles (5-17) can vary markedly from 5% to 12% depending upon the methodology of the study. Furthermore, it is important to distinguish between true prevalence (i.e., the percentage of juveniles who truly have ADHD), as distinct from diagnosed prevalence, i.e., the percentage who have received a diagnosis from a clinician, whether or not the diagnosis is accurate. If the methodology is a response by parents to the question “Has a doctor or health professional even told you that your child has ADHD?,” the prevalence is 12%, with boys being approximately 2 to 3 times more likely to have the diagnosis than girls, i.e., 16.5% vs. 7.3% (Collins & Cleary, 2016). There are also ethnic differences with, for example, the Hispanic prevalence being 7.7%. The 12% estimate is probably too high, since, despite some under diagnosis, it is likely that ADHD is being over diagnosed largely because of superficial diagnostic procedures. This problem will be discussed in another blog.

        With regard to adult prevalence, there is far less research with a commonly accepted prevalence being 5%. In contrast to the sex difference among juveniles, if anything, there might be a greater prevalence of ADHD among women based upon formal diagnosis by a clinician. However, since women might be more likely to seek out help for problems that can be diagnosed as ADHD, this difference may not be real. Lastly, since the criteria for diagnosing ADHD in adulthood are exactly the same as juvenile criteria, there is concern that these criteria are not appropriate and hence, in contrast to juveniles, there may be an under diagnosis of ADHD.

The next blog will discuss causes of ADHD and how ADHD changes over the life span.

Written by Robert Eme, Ph.d

Professor of Clinical Psychology at the Illinois School of Professional Psychology , Argosy University, Schaumburg Campus .

References : Collins, K., & Cleary, S. (2016). Racial and ethnic disparities in parent-reported diagnosis of ADHD. Journal of Clinical Psychiatry, 77, (1), 52-59.

Barkley, R. (2015). Attention-Deficit/Hyperactivity Disorder, (4th ed.): A handbook for diagnosis and treatment. Guilford Press. ISBN-13:978-1-59385-210-8

Hinshaw, S., & Ellison, K. (2016). ADHD: What everyone needs to know. New York: Oxford University Press. ISBN-13: 978-0190223793

The information and opinions expressed herein represent the independent opinions and ideas of the faculty and do not represent the opinions and ideas of Argosy University.

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  • 2017

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