• July 20, 2017 /  Teacher & Students
    images16

    We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

    The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

    Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

    Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

    Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

    With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

    Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.

  • July 16, 2017 /  Teacher & Students
    images18

    My brother recently decided to become a pilot. Becoming a pilot is a costly venture and since I work in the industry as a buyer, he contacted me for some advice on student pilot materials and headsets. The supplies were easily referred as there are four main publishers of student pilot material and Jeppesen seems to be the most popular. However, it was difficult to direct him to the best aviation headset to purchase.

    In order to direct him to the most cost effective headset I needed to determine a couple of factors. The first is price. The most popular student headsets are made by David Clark, and the most popular headset for students is the H10-13.4, the cheapest price I found was about $299.95. Another popular brand would have to be AvComm. AvComm offers a PNR Headset AC-200PNR that is in the $100.00 price range. Finally, Aviation Supplies and Academics offers a headset called the Airclassic HS-1 that is in the same price range the AvComm PNR. Therefore, the cheaper headsets are made by AvComm and ASA.

    However, cost is not the only aspect to look at when purchasing an aviation headset. What about reliability? David Clark and AvComm both offer 5 year manufacturer warranties, while the ASA HS-1 has a lifetime guarantee. Headsets often go defective as cords can acquire shorts, they can be sat on, or even crushed in a flight bag. Therefore, a lifetime warranty is definitely tempting. This aspect goes hand and hand with cost as I am sure that you will feel better replacing a $100.00 headset rather than a more expensive model. My flight department use to operate with 12 Bose Aviation X headsets, although the headsets worked great and were comfortable, they were always being broken by the replacement of a 9 volt battery that controls the electronic noise reduction. After paying for 10 or more $500.00 repairs to these headsets, our flight department decided to downgrade to a Telex commercial headset. The same thought that goes into purchasing headsets for commercial or corporate use will benefit student pilots as well. Less investment = less lost.

    Finally, the last topic would be in regards to comfort. According to reviews all the people that purchase David Clark headsets are satisfied with the comfort while ASA and AvComm have mixed reviews. A chief pilot at my organization talked to me about the HS-1 Headset. He states, the headset works great and still works to this day, but the headband was quite uncomfortable for long trips. However, there is a solution to comfort issue on either the ASA or the Avcomm Headsets. Gel and foam ear seals along with replacement headbands can offer additional comfort to these units ultimately making them comparable to the David Clark Model. Total investment in upgrades would be in the 150-175 range.

    Given this information, what headset are you going to buy?

  • July 16, 2017 /  Teacher & Students
    images

    Technology plays a big part in the lives of people today including the students. With the emergence of the World Wide Web, students gained access to more learning materials. They can do their own research without having to walk all the way to the library and spend time looking for the books one by one. But not everyone has the luxury to be able to afford a computer of their own, particularly a laptop, that is why students surf the net for Free Laptop for students offers.

    Computers are cool gadgets especially if you are looking for a pass time. But computers today are seen as more than just for entertainment purposes, they are essential tools especially as aides in the students learning. Desktop computers are common among households, but for people who live life in the fast lane, a laptop is a great choice.

    Laptops are lighter and compact. They can be used anywhere and anytime. If you need to finish some work urgently then the laptop will come in handy. You just need to sit down, open your laptop and you can start working already. A more creative presentation can also be creative through some software. The internet is also accessible anytime in case you run into some trouble with and about almost anything.

    Companies who maintain their own website recognize the students need to have their own laptop. And as a marketing strategy, they came up with the idea to give away free laptops to students. They make use of promos, contests, surveys, and some through a laptop test. A free laptop is always enticing. Of course, who would not want to have cool gadgets for free?

    Companies will also benefit from giving away laptops. It will attract web users to visit their websites and at the same time be able to advertise their products to them. The laptop test is also instrumental so they can collect feedbacks of their products from a buyers perspective. This will help them identify which areas of their product needs improvement.

    There are many sites that you can find that give away free laptops. But be careful of falling victim of scams that claim to help you get a free laptop. Legit sites will not ask you to pay anything for claim your laptops so be patient enough to research about the sites first before you get too excited.

  • July 16, 2017 /  Teacher & Students
    images2

    Most US students as well as overseas students who come to US for studies avail travel medical plans. These plans insure overseas students in US and US students going abroad against unexpected health mishaps.Travel health accidental insurance has currently become a reliable solution to meet needs of healthcare while studying abroad. It minimizes the cost of medical treatment in overseas hospitals where expenses of healthcare are high. Even US students who go abroad for studies avail these plans because they are smart enough to know the importance of travel health accidental insurance. International student health insurance plans are quite affordable and easy to pay. They could be signed up and can get approved within 24 hours. The rates of premium in these plans are pocket friendly. Students who studyabroad at destinations like USA and other countries can well afford to pay premium of these insurance policies.

    It often happens that students who come to US or US students who move to overseas destinations may fall a victim to illness or accidental injury. These incidents are common in a persons life and may take place anywhere. The most important issue is how to meet high expenses of healthcare and medical treatment in a place other than home country. When one stays in a native country he/she may get monetary help immediately from parents, friends and other well-wishers. On occurrence of an accident or health mishap in a foreign destination one may face delay in receiving monetary help from home. The best and secure way for international students to meet such testing times is to avail travel health accidental insurance.

    Most students from US or abroad students in US come across unexpected illness due to travel tiredness, change in climate & environment and allergies from certain cuisines. Anyone who travels abroad may not be able to acclimatize to the new living habits in a new place. For this reason students may fall ill, they may also meet with an accidental injury during their daily routine. A travel health accidental insurance plan could provide them a strong risk cover in these testing situations. One of the greatest benefits of such students health insurance plan is that they could get access to services of internationally linked doctors and hospitals. Most travel and health insurance plans are meant for all international students. These plans are affiliated with renowned doctors and medical institutions, so students are sure to get treated well with minimized medical treatment costs.

  • July 13, 2017 /  Teacher & Students
    images13

    Students should keep in mind that credit cards for students are not different from general credit cards. Financial agencies which issue credit cards for students do not hold, for any reason, extra sympathy towards the student community. This is why students must be more careful and responsible when they secure and use credit cards.

    Students should have their individual monthly estimate of income and expenditure. It is wise for them to accept self-imposed restrictions of some kind. Magnitude of debt must not be more than ten percent of the final income of the students. They should believe that they secure loans using the credit cards for students.

    Everyone knows that expense is restless. A part or major part of the expenditure remains within the knowledge of the individual student. On the other hand, students experience that they are bound to spend for reasons about which they are not already ready. Hence, they should learn to balance their income and expenditure intelligently.

    As credit card is to borrow some money, reimbursement is obvious necessity. Students as borrower should be responsible regarding payment in due time. They should bear in mind that payment agreements on using credit cards for students must be honored.

    Violation of payment agreement will go against the financial health of the students. Intelligent students study the credit limit mentioned in the statement. They try to remain just below the credit limit provided by the financial institutions who have issued the credit cards for students. This kind of students creates their own credit limit which is less than the offered one.

    Violation of payment agreement means more financial pressure, because more amounts in the form of fines, fees and penalties are to be paid. Credit cards for students are also cancelled because of failure in honoring the agreement. One important thing in this respect is the date of payment or due date of payment. Student borrower can pay the credit amount after the due date of payment. This becomes late payment which demands penalties, extra charges etc.

    Students having credit cards, sometimes, change their address. They should be ready to inform the credit cards issuing authority about the change. They should let the authority note their new address of contact, unless which there are chances for late payment.

  • July 12, 2017 /  Teacher & Students
    images9

    All About UK Internships:
    After completion of the studies in UK, many international students are able to find good internships programs in the country. These programs enable students to gain an insight into work culture and how an organisation works. They can also learn more from practical work experience in the business world and get accountable tasks that have direct impact on the strategic decision making. It helps you gain the practical work experience, which is required to begin a successful career. If the students make a good impression, they can stand a great chance of being offered a graduate job opportunity.

    UK offers many graduate internship programs for the students studying in the UK universities. As finding a good job is hard at the best of times, where the competition is greater than ever before. But there is a way to give yourself an edge over others, and to give yourself the best chance of securing a job and gaining valuable work experience, and that’s by doing an Internship.

    Why Internships?
    As in the initial time, it may not be easy an international student to get a permanent job in UK. Thus it would simple to start their career through internships and can easily get into a real business environment. Internships are ideal for students at all levels who are looking for experience in certain fields. Internships are also helpful for people who are looking to change careers and wish to gain experience in a new field.

    Typically, Internships are offered as a vocational placement (possibly during summer) for a period of about 1-3 months. To get an Internship in UK, students have to accomplish their fulltime educational program with good academic record and should have work permit in the country.

    Do students will be paid for their Internships?
    Students can find many different kinds of internships in UK, which may be either a paid, or unpaid, or partially paid internships. Usually, Internships in the science and technology fields are often paid. Partially paid internships are remunerated in the form of a stipend, awarded at the beginning or end of the internship. A stipend is a sum of money given at once, rather than granting as a yearly salary or hourly wage basis. Volunteer internships are good ways to gain experience, and are no less valuable on your resume when you go to find a job.

    Almost every university can college in UK helps you in finding a good Internship programs, alike a Campus placement cell. You can ask at your campus career services to find out how your school can help you place in a work environment. Some of these internships might even count for credit towards your degree, or perhaps be counted on your transcript. Besides, there are several private-sector internships that you can discover.

  • July 11, 2017 /  Teacher & Students
    images15

    Why Parents Choice of Private Schools Has Changed Lives.

    The education and preparation provided by private schools are unparalleled. Statistics show that pupils who attend private schools are four times more likely to achieve high honors when they enroll into high school than their public school counterparts. Students graduating from private schools have demonstrated an ability to not only excel in high school, but in college as well.

    Further statistics show that students at fee-paying schools made up 43.9 percent of those given places at Oxford University and 41 percent of those at Cambridge. Also, 92.9 percent of pupils leaving independent schools went on to higher education in 2008. This highlights an alarming inadequacy in public education. There must be a proportionate amount of equally bright children at state schools, but they are missing out on the top grades due to an inadequate educational environment.

    One private school graduate from Carden Academy explained Carden Academy gave me the ability to balance all of the activities in which I was involved in while maintaining a high GPA (3.7). My deep knowledge of and comfort with the fundamentals of sentence composition and parts of speech served as an indispensable skill while in high school honors and Advanced Placement courses, and in college, writing my larger papers were a breeze.

    Because private schools tend to offer a more rigorous curriculum than public schools, students attending private schools are better prepared for the demands of college. Several college admissions have noticed the difference in education and given added weight to attendance at competitive private schools. In order to give your child the best opportunities for academic excellence, private schools have demonstrated their unrivaled ability to help students develop into world-class scholars. By educating your child at a private school, they will gain the knowledge and confidence to succeed not only in academics, but in life.

    To learn more about private elementary education for your child and how it can change their life, visit CardenAcademy.com or call (949) 458-1776.

  • July 10, 2017 /  Teacher & Students
    images14

    Increase in College Dues as well as Tuition Fees:- Should you look at good reasons to apply for some kind of loans that can straight support pupils, then you will find it first that many of private universities and colleges have increased yearly dues and also tuition costs of students. Within present, it’s not easier for anyone to carry on his/her research, because most of scholars have no long lasting sources of earnings as well as strong financial background. So, consequently many students leave their homes looking for some trustworthy and advised financial institutes or banking institutions for reason of student loans, which give them appropriate support to meet all educational, and university expenses. In various surveys, it is often estimated in which millions of college students get educated on basis of student loans which are mostly returned in order to issuing authority after getting any suitable work. But, its not all student loan has the same situation and leisure for money consumers.

    Financial Issues of Students:- No doubt there are countless economic problems, which a student may experience through his study course, especially with higher education stage. In moment, hundreds of leading private banks and individual debt businesses bring amazing loan solutions for students of areas of the planet. Usually, nearly all of moneylenders and suggested banks immediately pay fees and other research dues of scholars to their related universities and colleges.

    Submit an application for Loans and Get Educated:- It is quite simple to submit an application for student debts, because it’s completely much like usual mortgage applicants, which usually businesspersons and general people undergo money financing agencies or even companies. However, here many things are different from typical or routine loans. First of all, conditions are flexible and merely formalities. Although, on the other side student loan consolidation is kept in mind when giving the debts for study or even education. Sometimes, new pupils do not differentiate between a protected and unsafe loan. Actually, every student must get conscious first regarding types and conditions of financial obligations, and then this individual should proceed for benefit of loans.

    Inspiring Features of Student Loans:- Student debts have many inspiring characteristics that get consideration of students. Usually, these loans could be gained anytime and with out providing complicated formalities as well as meeting difficult conditions. It’s easier to repayment loan by suitable payments and inside accessible time period of time. Most of the time, it has been witnessed that pupils become struggling to pay installments and come back the loan inside due timeframe. In such problems, most of students go for student mortgage forgiveness that is a fair application, however it is allowed just in ideal situations just like disability, death, accidents, absolutely no proper job and some some other general problems, which a student activities after getting informed.

    Countless Benefits of Taking Student Loans in Tough as well as Crucial Situations. Click here to know more about student loan forgiveness.

  • July 7, 2017 /  Teacher & Students
    images14

    A scholarship for student is nothing but a reward in form of financial help to pursue further studies at school level, graduation level, post-graduations level and for other higher education programs. In almost, every country government and different private organizations and trusts offer Scholarships for Students to encourage them to continue their studies. Besides the local government, there are various universities and colleges, which offer International Scholarships to students for higher studies.

    Education Scholarships Programs play a vital role in carving students professional careers by enabling them to keep their studies continue. In country like India, where many students cant pursue desired courses due to financial issue, Scholarships Program is a boon.

    The Government of India, through the Department of Science and Technology and the Department of Atomic Energy provide students with different College Scholarships and School Scholarships. Further, there are universities such as Gayatri College of Biomedical Science, Dehradun, UK and Srinagar Garhwal (Central University), which conduct Education Scholarships Programs for those, who want to pursue PhD in any discipline.

    Apart from this, NIIT – Bhavishya Jyoti Scholarship, ITC Overseas Scholarships, Joint CSIR- UGC Test for Junior Research Fellowship and Eligibility for Lectureship, HCL CDC-Yuva Pratibha Scholarship, NATIONAL TALENT SEARCH SCHEME, JN Tata Endowment Scholarship Program, Tata Institute of Social Sciences Scholarships, Jagadis Bose National Science Talent Search and Kishore Vaigyanik Protsahan Yojana (KVPY) are other well known College Scholarships and School Scholarships in the country.

    Selection of students for different scholarships is commonly done on following basis:

    Merit: Students, who are brilliant in any area, need to be promoted for higher studies. Government and University Scholarships Programs select such students and help them financially to study the desired subject in highly renowned institutes in country and abroad.

    Scholarships for Financially Poor Students: Scholarships programs also recognize financially poor students and help them to continue their studies.

    Career Specific Scholarships: Some sectors such as nursing, atomic research, coast guard jobs, and different welfare programs of government, which need professional to work with. Government offer scholarships for students, who wish to work for such sectors that dont usually attract students.

  • July 5, 2017 /  Teacher & Students
    images19

    When choosing a Yoga instructor program, you have to determine what it is that you want to get out of it. Do you want a comprehensive Yoga instructor’s course or a quick Yoga instructor diploma to teach Yoga classes? Many people compare the Yoga teacher certification process to a big hurdle in life, but the day an intern receives his or her diploma, for teaching Yoga, is only the beginning of the journey.The day of graduation, from student to Yoga teacher, could be compared to a butterfly coming out of a chrysalis. For a new Yoga teacher, this is the beginning of a quest to learn about the body, mind, and spirit. Yoga is a discipline which is considered to be a great boon to mankind by many. This is mainly because of the immense benefits of yoga. Yoga training increases ones energy levels which relieves anxiety and stress, and which also alleviates chronic pains like headaches and back pain. Let’s say you have decided to become a Yoga instructor, but you do not have weeks or months, of free time, to spend away from your family, friends, and obligations. You have researched Yoga certification classes from NYC (New York City) to Sacramento, CA. The typical training course for Yoga instructors will also require you to pay fairly large sums of money, which creates another hardship. If you really want to be a yoga instructor, you’re going to have to get yourself certified. There is no way around this and, quite frankly, if you’re really interested in the well being of your potential students you’ll understand why this is so important. Many people, who want to become a certified Yoga instructor, feel that they have only one option; pay a lot of money in tuition fees, take a month off from work, and spend more money on hidden fees when they arrive at the destination of their Yoga teacher training. Online Yoga teacher certification courses are an additional option. Onsite Yoga Teacher Training classes are usually held at Yoga studios and can last anywhere from one month to two years, depending on the depth of the material covered. These Yoga training sessions may meet every weekend or for weeks in succession.So now the time has come, you’ve been practicing Yoga for a while now and you feel ready to take on the responsibility of leading regular yoga instruction and help those who would like to regularly practice and take their efforts to the next level, plus increase their knowledge about many of the more detailed aspects of yoga and practice.

    Looking for Yoga Instructor Training? Get guaranteed Yoga Instructor Certification by completing Yoga Teacher Training Course with Atma Yoga Workshop.