Educational Concepts Unlimited, Belleville IL

Tom Ripperda

Educational Concepts Unlimited

About Us

We provide insurance preparation classes and continuing education classes, textbooks, online courses, and ethics webinars. Onsite training is available. We have been in business since 1987 and Tom has 52 years of experience in the insurance field. He was appointed on CE Advisory Council for the Illinois Department of Insurance.

Products & Services
 Illinois requires producers to complete 3 hours of ethics before renewing their license.  As of August 2018, ethics can be completed by attending ...
It helps students to prepare for the insurance examination in their state.  Over 1200 test questions on the various topics in the examination. We s...
We have a process for getting employee engaged in creating a plan for the future. 
Recommendations Given (68)
"Koetting works for their clients"
"Linda I have extra W-2 and 1099 NEC forms if you have use of them. I needed only a few for my..." Read more "Linda I have extra W-2 and 1099 NEC forms if you have use of them. I needed only a few for my business. They are free. Come and pick them up. "
Recent Activity

Tom from Educational Concepts Unlimited Answered this on December 25, 2022
While the past 2 years have been a challenge to every small business, my staff stayed and the majority of our clients stayed as well.  We were forced to change how we delivered our services and it is a work in progress.  A new opportunity to partner showed up unexpectedly.  I look for 2023 to be... (more) While the past 2 years have been a challenge to every small business, my staff stayed and the majority of our clients stayed as well.  We were forced to change how we delivered our services and it is a work in progress.  A new opportunity to partner showed up unexpectedly.  I look for 2023 to be a great year for our business, thanks to our staff and our clients for hanging in with us.  

Tom from Educational Concepts Unlimited Answered this on February 02, 2022
If President Trump had mailed out masks in March of 2020, we would not be having these ongoing issues.  Anti-vac people are getting to much air time.  Talk those families where they are lost a love one.  (more) If President Trump had mailed out masks in March of 2020, we would not be having these ongoing issues.  Anti-vac people are getting to much air time.  Talk those families where they are lost a love one. 

Tom from Educational Concepts Unlimited Answered this on January 20, 2021
I am the one that balances the checkbook each month.  (more) I am the one that balances the checkbook each month. 

Tom from Educational Concepts Unlimited Answered this on August 01, 2020
It is going to get worse better it gets better. Bankruptcy will go up and small business will close. Time to break up the big businesses that are killing off small mom n pa business. Washington is beholding to Wall Street. Until that changes we don’t have a prayer (more) It is going to get worse better it gets better. Bankruptcy will go up and small business will close. Time to break up the big businesses that are killing off small mom n pa business. Washington is beholding to Wall Street. Until that changes we don’t have a prayer

Tom from Educational Concepts Unlimited Answered this on March 20, 2020
Almost all of our income comes from seminars.  Illinois has ordered all nonessential business to close their doors until April 7.  People who registered for seminars will want a refund.  How does a business pay expenses with no income coming in?  I expect to see many small business going out of... (more) Almost all of our income comes from seminars.  Illinois has ordered all nonessential business to close their doors until April 7.  People who registered for seminars will want a refund.  How does a business pay expenses with no income coming in?  I expect to see many small business going out of business while Federal Government finds a way to rescue the fat cats again.  I hope I can sign up for unemployment for the first time in my life. So sad

Tom from Educational Concepts Unlimited Answered this on July 22, 2019
We usedQbooks for 20 years, but I am not happy with their annual price increases for the software and payroll.  I would use someone else if the price is right with similar results. (more) We usedQbooks for 20 years, but I am not happy with their annual price increases for the software and payroll.  I would use someone else if the price is right with similar results.

Tom from Educational Concepts Unlimited Answered this on April 10, 2019
While our revenue was not where we wanted after reducing our prices on some services with the idea of increased volume, our bottom line improved because of cost cutting efforts. (more) While our revenue was not where we wanted after reducing our prices on some services with the idea of increased volume, our bottom line improved because of cost cutting efforts.

Tom from Educational Concepts Unlimited Answered this on November 14, 2018
It is all about building a relationship.  People want to do business with people they like. They want someone knowledgeable. (more) It is all about building a relationship.  People want to do business with people they like. They want someone knowledgeable.

Tom from Educational Concepts Unlimited Answered this on November 05, 2018
New business owners should know something about finance and bookkeeping.  Divide revenue by 3.  1. salaries 2. taxes and fees 3. re-invest into the business (more) New business owners should know something about finance and bookkeeping.  Divide revenue by 3.  1. salaries 2. taxes and fees 3. re-invest into the business

Tom from Educational Concepts Unlimited Answered this on October 18, 2018
Use their current agents. Business owners want personalized service.  (more) Use their current agents. Business owners want personalized service. 

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