• October 17, 2017 /  Teacher & Students
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    Over the last year I’ve sat in Starbucks and heard many a student complain and moan, then laugh about their huge student loan debt. Well, I don’t find it the least bit funny, nor do I approve of our government paving the way to yet another bubble building exercise, but that’s what’s happening, meanwhile colleges and universities have experienced more demand than supply so they have added on new wings, new degree programs and expanded campuses, all the while raising tuition costs to; whatever the market will bear.

    In some regards I find it fascinating that the left-leaning academia will continually trash on free-market capitalism while they create a Disneyland type of environment which is not based in any sort of economic reality, then have the brass nuts to tell us how to run our economy.

    Now then, there was an interesting piece on MSNBC Money online news on September 2, 2013 titled; “9 Ways to Cut Your Student Loan Debt” – For many, repaying student loans is a burdensome process. Here are some programs that can lend a helping hand,” in which the article sported many novel ideas from getting scholarships to good negotiation. But I have a better idea, get a job, or quit school.

    Want to know what’s even worse? Well, the Wall Street Journal has reported that “JP Morgan Will Exit the Student Loan Business,” by Dan Fitzpatrick and Robin Sidel, September 6, 2013 which noted that the company only made $200 million in 2012 from their student loan activities, and yet lent out over $6 billion. What does this mean, it means that with the number of defaults and the chances of these student loans going bad, they cannot risk the losses for such little revenue gains. Congress and the Obama Administration put in price controls, as most socialist countries due in various sectors to no avail disallowing the raising of interest rates even when more and more student loans go into default.

    If the banks cannot make money in this sector or making these types of loans they will stop, once they stop there will be fewer loans. Anytime price controls are instituted, and we know this not only from history but as any good student of micro-economics, there will be shortages. JP Morgan although not the largest player in the sector, is still a well-known name and if they’ve decided to do this others will follow, just as opponents to the interest rate moratoriums had predicted, as did I. Please consider all this and think on it.

  • October 16, 2017 /  Teacher & Students
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    The Pet Care Trust’s Pets in the Classroom program is now accepting grant applications for the 2013-2014 school year. Pre-Kindergarten through 8th grade teachers in both private and public schools who desire to introduce a pet into the classroom or already have a pet in the classroom are welcome to apply.

    Many school teachers have very limited resources for the support of classroom animals, which is why the Pet Care Trust believes in supporting teachers with this educational grants program. Through the Pets in the Classroom program, teachers can obtain a grant for the purchase of new pets, pet environments or pet food and supplies for existing classroom pets. Teachers can apply for a direct, no-hassle grant through the Pets in the Classroom website (www.petsintheclassroom.org). The program offers 7 different types of grants, giving each teacher the opportunity to choose which grant is right for him or her. Grant options include:

    Rebate Grant in the amounts of $100 (for small animal or birds) or $150 (for reptiles or fish) for purchases at any pet store;
    Sustaining Grant in the amount of $50 to maintain an existing classroom pet;
    Petco Grant, which provides coupons for the live animal, pet habitat and supplies purchased at Petco;
    Petsmart Grant, which provides coupons for the live animal, pet habitat and supplies purchased at Petsmart; and
    Pet Supermarket Grant, which provides coupons for live animal and pet supplies purchased at Pet Supermarket.

    New for 2013-14:

    Pet Supplies Plus Grant, which provides coupons for live animal and supplies purchased at Pet Supplies Plus Stores, and
    Petland Discounts Grant, which provides coupons for live animal and supplies purchased at Petland Discounts Stores.

    The grant program began in 2010 and has awarded 22,793 grants to teachers through the 2012-2013 school year. With a goal of introducing 5 million children in 100,000 classrooms to pets and the benefits they provide, the Trust hopes that the 2013-2014 school year will see a large number of grant applicants.

    Steven T. King, Executive Director of the Pet Care Trust, commented, “The newly redesigned Pets in the Classroom website makes it easier than ever for teachers to apply for a grant and to find the resources they may need to select the right pet for their classroom.”

    The Pets in the Classroom grant program benefits students by teaching them responsible, long-term pet care at an early age and providing the psychological and developmental benefits associated with the human-animal bond. Studies have shown that caring for pets has a positive effect on children, improving school attendance and teaching children responsibility, as well as encouraging nurturing and building self esteem.

  • October 15, 2017 /  Teacher & Students
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    A music genre is a classification system that places different instructional materials into neat categories that help teachers choose what to use and when. Content area, developmental floor, and student interests often drive these decisions. Similarly, computing machine software system tin be placed within genres to aid teachers in selecting the best resource for a particular thought skill or process. Core cerebration skills, for example, used for surface storey intellection, such as organizing a list of supplies and resources needed for a science undertaking.

    Complex processing would be required to generate a display describing the task is hypothesis, method of investigation, and summary of conclusions. Each story of processing is important for successfully completing a science labor. Once preparation computing device amalgamated lessons associated with various levels of mentation, teachers should consider which software package is most appropriate. Core skills often matched with package genres that promote quick recollection of staple facts and that rich person great potential for auto matizing certain skills .

    Mental vigor used to rehearse the steps of a procedure or reminiscence the attributes of a simple concept drains the energies needed for higher-spirit level processes students tin can complete a task automatically and callback necessary facts efficiently the cognitive load is reduced, leading to increased mental vigour and capacity Software categories within this writing style include drills, multimedia system tutorials, acquisition games, reading management programs, and intermingled eruditeness systems. exploitation mixed erudition systems , the classroom might consider presenting the tutorial example victimization a digital projector or large screen monitor for whole class or small group teaching. Most structured learnedness systems wealthy person options for altering or delaying the sequence of skills, which allows the to guide class discussion while progressing through the . Continued from page 1. Most teachers hard pressed to successfully incorporate both trouble solving and BASIC skill mastery during the instructional minutes available during the school week.

    The pressure of preparing students for remember and application of knowledge toilet be reduced by provision educational activity around core and complex processes. Students need both levels to be successful job solvers and to master basal knowledge and skills . To effectively integrate computers into teaching, students skills must be a priority. The goal is to align processes appropriately with the is function. By categorizing by literary genre and matching it to the desired skills, teachers lavatory plan deterrent example activities which discrete skills as well as complex processes that will prepare students for a lifetime of solving. The power of portfolios: What children con us about scholarship and assessment.

    San Francisco, CA Jossey Bass. Cognitive theory and the designing of command An example of the two way street between cognition and statement.

  • October 13, 2017 /  Teacher & Students
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    Private financial companies including banks or other specialized educational money lenders provide private student loans for students. It is one of the different types of loans available for the students to continue their higher education when they do not have the money to do so.

    Private student loans have all the features of various government loans, and can be the best choice for those in search of educational finance. They have higher loan limits with attractive interest rates. Similar to the federal loans, they also have a grace period and students do not need to start repaying them prior to the completion of studies.

    The grace periods of the loans vary from company to company and can be from six months to 12 months. Even though private student loans offer lower interest rates, they can be a little higher than the government loan interest rates, but much lower than other private loans. Unlike government loans, there are overhead charges often called origination fees, which are applicable at the time of the loan processing.

    Private student loans are based on the credit history of the applicant or of the co-signer. This type of loan is utilized by students who are not able to pay for their educations without a loan but cannot apply for federal loans due to the possession of assets beyond the qualifying limit or due to higher income of the family.

    Private student loans are looked as an alternative to federal student loans for parents, known as PLUS (Parent Loans for Undergraduate Students) loan. Private student loans need not be paid back until graduation, whereas the repayment of PLUS loan starts soon after the procedures. Many international students can also acquire these private loans with the help of a co-signer. The loan amount is paid directly to the school by the lender and the remaining money is given to the student for living expenses. Due to a lower interest rate, these loans are widely used by students. Today, many companies also offer online private student loans.

  • October 12, 2017 /  Teacher & Students
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    Its a no brainier that college students need extra money. Going to class, taking notes and studying for tests is what you are spending the big bucks on but there is more to the college experience than these things. It will take extra money and being a wise spender to enjoy the things out of the classroom. Below are some suggestions that will give some ideas on how to have the funds to enjoy the college life and still have time for your studies.

    If you have not thought about using the internet to make some extra money, it is time to start. The internet can provide the extra Ka Ching you need. You may not get rich as a student on the internet but you can always have money in you pocket. Who knows it may lead to great income down the road. I personally know a man who graduated from one of the finest universities in the U.S. and got rich on the internet in a area not related to his degree. There is little money or lots of money to be made in cyberspace. It is up to you and you alone.

    You will need to sell something or help others sell something. You can do it by creating a simple website or websites and selling you own products and help others sell their products to affiliates programs and advertising programs such as Google adsense. Don’t buy AdWords unless you have deep pockets and you probably don’t or you would not be reading this page. eBay is a great way to pickup some quick cash. Find something to buy very cheap and sell it a reasonable price for the customer.

    Some things will bring in way more than you expect, especially if it is vintage tee shirt of some band or star. Check out the good wills, yard sales, etc. They are still out there and owner does not know what they have. They just want it out of their house. When you find something like this and you will if you seek diligently, SHOUT because you are fixing to make some money. These finds are little treasures. It is not hard to get setup on eBay if you are not already. I just play around with it and sell 12 to 16 thousand dollars per year. It is not all profit but it is all money and the money left over feels good in my pocket.

    Keep your eyes peeled for junk, curbside, awaiting trash pickup. When Ma tells Pa to clean out his junk from her house that is money in your pocket. Pa doesn’t care, he just wants Ma happy and Ma is not happy with junk in her house.

    For more information on how to invest visit Investment Opportunities

  • October 9, 2017 /  Teacher & Students
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    The primary reason for implementing teacher training is so that teachers are well equipped and knowledgeable when they first start a job in a school or any other education centre. However teachers arent always prepared for what they may come across. Teacher training schools dont teach teachers how to deal and cope with all situations, most of the troublesome problems they face are those, which they encounter first hand and have never had any real experience of. Teachers can be faced with many difficult situations such as student behaviour problems and inappropriate actions, it is only when faced with these problems that teachers will know how they will react to it. This is why the teaching profession has such a high rate of people leaving as you cannot fully appreciate the difficulties of being a teacher until you have witnessed it first hand.
    During a teachers professional career a school will need to ensure teachers are regularly trained and kept up to date with new and current methods in education by extra training.

    Good teacher education is no doubt one of the most significant things for a successful school. Tutors not only must excel at their applied chosen area but they are increasingly being faced with difficulties, they need to know how to cope and handle tough behaviour from classes, also how to deal with tender affairs students might have.

    Teachers are prepared a little when they initially train to become teachers but on occasions it usually needs much more, and guidance from professionals may very well be required. These professionals will guide you on your concern area and will draw on their own skills and experiences to help you. They will attempt to help you master any problems you have and let you continue teaching in a beneficial way to pupils.

    To be a teacher you need to have the right temperament and desire to be dedicated to what you do. You should be ready to give up some personal time to join team meetings, mark students work, aid pupils after school or even take part in after school activities. Teaching has a very high decline rate, mostly due to difficult behaviour and teachers deciding that the profession isnt what they originally thought it would be like.

  • October 4, 2017 /  Teacher & Students
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    It is commonly accepted that school liability has increased over the past several years, and public schools, with their various exposures involving faculty, students, workers and outsiders, must contend with several concerns from multiple scenarios. The list is long; wrongful death, serious injury, sexual harassment, and bullying all present opportunities for large settlements or jury verdicts against these institutions.

    However, an analysis of recent decisions in negligence cases brought against schools indicates that the frequency of lawsuits generally has not changed over the past two decades. That said, with so many risks being evident, public school insurance in Indiana should not be overlooked when considering the many coverage’s required on a daily basis.

    Most settlements in favor of schools

    Fortunately, the majority of outcomes have been decided conclusively in favor of the schools. More than 53 million children in the U.S. spend almost one fourth of their waking hours in school or on school property, therefore the potential scope of school liability is broad. Public perception tends to, however, distort both the extent of school liability and the nature of injuries that children sustain while at school (or when engaged in school-based activities).

    While the vast majority of injuries to children at schools are accidental, the desire for many students to be awarded some type of compensation, especially when the injuries are severe, is not uncommon. Public attention to student injuries often focuses on school violence because the media often reports so many incidents of this nature.

    However, studies indicate that school-aged children are nine times more likely to sustain an unintentional injury than to be the victim of an intentional injury while at school. Children under the age of fifteen sustain more than 14 million unintentional injuries each year. In all, one in fourteen students suffers a medically attended or temporarily disabling injury while at school.

    Failure to exercise a reasonable standard of care

    School employees are often targeted in lawsuits. If, for example, an employee of the school fails to take reasonable steps to protect a student from injury, that employee can be found negligent. In negligence cases, courts will weigh the actions of a teacher or an administrator against how a reasonable person would have acted in a similar situation. Failure to exercise a reasonable standard of care must be proven in a negligence case.

    Schools provide a wonderful service to parents and students, but the concern over injuries to students can sometimes outweigh the positive aspects of higher learning. Public school insurance in Indiana is necessary to protect the interests of these valued institutions.

  • September 28, 2017 /  Teacher & Students
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    In Shan Dong province, a secondary school lady teachers hand phone and a few thousands dollars was robbed by a motorcyclist. After she was being robbed, she sends 21 touching SMS to her hand phone and finally touches the robbers conscience. The robber returned the things that he robbed from her with an apologies letter.

    According to the Qi Lu Evening Newspaper, the Secondary School Language lady teacher Pan Aiying was being robbed on Last Friday morning. When she came out from the a local Savings Bank after withdrawing some money and ride on her bicycle to head for home. Suddenly a young man with dark sunglasses riding on a motorcycle appeared from behind and snatched the cloth bag that is hanging on her bicycle handle and went off at high speed. The cloth bag contains 4900 rmb, a hand phone, a pay card and a id.

    Initially she intend to report to police but she changed her mind with the intention to contact the robber and to see whether she educate him to be good again. When she reached her school, she borrowed her colleagues hand phone to call her hand phone. After a few ringing on her own hand phone, the robber hanged up the phone. She got no choice but to SMS him. Young man, I am a secondary teacher Pan Aiying teacher, I think today you need money urgently thats why you took away my bag. IF that is the case, I wont blame you. After this SMS was send, still no reply from the robber.

    If you need the money urgently, you can keep the 4900 rmb to solve your problem. Please find a way to return the remaining things to me. You are still young. Doing one wrong deed is not terrible. But if you know that it is wrong and do not amend it then it is terrible. Now if you can amend it, it is worth more than any amount of money.

    On that night, she continues to send SMS to him and try very hard to educate him. She sends a total of 21 SMS but did not receive any reply. She is very disappointed and intended to report to police the next day. The early next day, while she is leaving her house, she kicked something at her back yard; she picked it up and found that it was the bag that was robbed. She checked the bag and found that all the items were intact and there was an extra item; a letter from the robber. The letter stated: Respectful teacher Pan, I am sorry, I was wrong, please forgave me. I robbed your bag, but you are lenient to me, you educated me through SMS teaching me humanity. I will change and be a good person.

    From this incident, we learn that man can revert from bad to good if we are able to touch him.

  • September 25, 2017 /  Teacher & Students
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    It’s puzzling how some students make it to prime universities, while your application on the other hand, gets rejected. You wonder even more, especially when you know (modesty aside) that academically speaking, you are better than that person. That can only be attributed to one explanation: Universities are not all after the intellectually-gifted applicants.

    Figures don’t impress that much. You got a perfect score on your SAT and ACT. You also graduated with honors. Still, those accomplishments are not enough for your application to be approved by panelists. There are still other components that matter aside from the figures that prove you are indeed smart. Admission essays, recommendation letters and extracurricular involvement also count. Universities, nowadays, do not only want students that can answer complex mathematical problems manually. They want those who recognize their passions and are working hard to pursue them. They want those that care not only about themselves, but also the community they are in.

    Panelists don’t rank applicants. With the thousand applications they have to review, admission officials no longer have the time to group students according to GPAs and SAT scores. And even if they have ample time, still, they would not do so. They look into your grades for a minute or so, sometimes even only for a few seconds, to see whether you can keep up with the classes, and that you would not fail. And that’s it. After officials have seen your grades, then again you are on the same playing field as the rest of other applicants. In short, the admission process is not about the university arranging applicants according to grades, picking the top ten percent and then discarding those at the bottom of the list.

    Character appeals more. Universities desire to admit students that would make their community more diverse. They want aspiring leaders, innovators, national athletes and motivational speakers. Do not just invest on your grades. Join organizations whose purpose you support. And do not move from one to another every year. This is not about the quantity. Show rather the developments you have made from being a member of the group, to being voted as among the officials. Also, join outreach activities during summer so you can beef up your application.

    Do not feel jealous, If that is your friend who got accepted, then you should be happy more than anything else. Instead of fostering grudge, it is best that you work on your other applications, and work on compensating for what you may be lacking. This is for your benefit especially if you are waitlisted and are looking forward to be given another chance by a university of your choice.

    Reference:

    bboard.rhodec.edu

    Essay-writing-services.org

  • September 24, 2017 /  Teacher & Students
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    Students pursuing law may find it difficult without guidance from useful and quality textbooks. Legal studies are quite popular among students in Ireland. Students pursue law with an intention to become responsible citizens for their country. Through law practice, they aim at spreading awareness and bringing justice to the wronged. >

    The study of law of any country cannot be done effectively without assistance from trusted guidebooks. Clarus Press, the leading law books publisher of Ireland, brings law graduates a one-stop solution to refer or purchase Irish law books. Whether a student wishes to study about civil law or criminal law in Ireland, Clarus Press prints handbooks that encompass every branch of Irish law.

    Along with students, any person from a different field will find the law books on insolvency to be a great source of applicable knowledge. Clarus Press sells a guide called The Practitioner’s Personal Insolvency Handbook. Though written from the point of view of a practitioner, this guide provides a detailed view of various proceedings done in relation to a personal insolvent client.

    The guide only focuses on personal insolvency and not corporate. The guide provides the outline for the procedure involved during the debt collection process in courts. The procedure is quite important to understand as debt collection process differs based on the whether a client is in a District, Circuit, or High Court. The handbook provides information on bankruptcy, mortgage suit proceedings, Mareva Injunctions and much more.

    Clarus Press brings widespread solutions of law students and practitioners for other facets in Irish law. A widely studied branch of Irish law is European Union Law. The publication has varied option for acquiring literature on EU Law. The most popular and basic guide to understand this law is their EU Law in Ireland handbook. Based on the sudden increase in cases pertaining to this law in Irish courts, practitioners look for analytical guides. However, the market has always been short of books that outline the procedures and operation of European Union Law. This publication solves this problem for not just legal practitioners, but students, researchers and government or public workers as well.

    A popular section at Clarus Press publication is of Family Law. The law books publisher offers a comprehensive guide called Family Law in Practice: A Study of Cases in the Circuit Court. Earlier, because of the in camera rule, case proceeding under this law could not be recorded and analyzed. However, this is no longer the case. This guide is the first in the market to shed light to proceedings in family law courts.

    The author is an experienced Content writer and publisher for Business Development. Visit us to know more about great knowledge about Family Law,Insolvency and more about EU law .