Author: lifehypnosis


Importance of Education in Children

January 8, 2021

Education and Study

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Education is an important part of any child’s life. By getting a quality education, we can better ensure that our children will be successful in the future. Today, America is more of a service and technology industry than a physical labor economy. Hence, education is more important than ever before. This is why you should teach your children the value of an education at a young age. You should choose the best preschools in St. Petersburg to send them to. This may seem a bit tedious or unnecessary since your children are so young. If you build a good foundation for your children, they will be able to build off of that in the future. When children learn things at a young age, they are much more apt to abide by these teachings in the future. Therefore, as you begin to research preschools in St. Petersburg feel free to let your children join in on the fun. It can be a great bonding opportunity and learning experience for both you and the child.

You will want to look for schools that offer a flexible learning curriculum when you are researching preschools in St. Petersburg. Basically, if your child has any special needs, the preschools in St. Petersburg should be willing to accommodate his or her needs. This includes anything from a physical disability to a learning disability. You can make sure preschools in St. Petersburg are willing to accommodate for you, simply by looking online at their website, or by calling the school and asking for additional information on the matter. You can find out a lot of information about preschools in St. Petersburg by looking online. This is not only easy, but it is also extremely convenient. You can find nearly all of the information that you need to know about preschools in St. Petersburg by never leaving the comfort of your own home. However, this is not the only way that you can research. If you do not have the Internet available, feel free to call the preschool directly and schedule an appointment to meet with a representative.

Another thing that you should look for in preschools in St. Petersburg is the curriculum. It should be a nationally recognized, quality curriculum. It should address the social and developmental needs of children. The teachers should also be trained in the curriculum. You will want to be sure that it does not limit your child and that it allows them to use their full potential. Since children do not all learn at the same pace or level, there should also be qualified staff to help your preschool children. Another thing to consider is the safety of the school. You should make sure that you feel comfortable in leaving your child with the staff. It is always wise to meet the staff before agreeing to let your child become a student at any preschool.

preschools St. Petersburg

ACS Student Loans

January 8, 2021

Education Share

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An ACS student loan is a loan that is serviced by the Affiliated Computer Services, Inc. It is a company known for outsourcing technology and business solutions. Universities across the country use the ACS student loan services because of the company’s reputation for using technology to effectively handle some of the more difficult aspects of loan services.

ACS student loans allow students to make payments online, instantly be able to see the status of an account, make changes to personal details such as name and address, and also to be able to receive email notifications when a payment has been processed.

Many different programs for financial aid fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services. ACS also has the ability to handle many other groups of educational loans donated by a variety of private companies.

For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online.

If you are the holder of an ACS student loan already, you may be interested in knowing about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount.

Some other tools that can help you with your ACS student loan are a repayment calculator, guidelines from the IRS about how to use your student loans for tax relief, and a glossary of important student loan-related terms.

All in all, an ACS student loan is one that will give the borrower plenty of ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look.

Choosing to Study Abroad

January 8, 2021

Education and Study

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Most students know someone who’s gone oversees to study abroad but most have never considered the option for themselves. There are many advantages to spending a semester in another country, but is this right for you or your child? First and foremost, what is study abroad? The basic premise is to travel to another country and continue normal studies while also learning about the country’s culture, history and language. Students who study abroad must normally have a certain amount of school credit hours to qualify for the opportunity; must be willing to be gone for either a semester, summer or year; and must typically pay their own way unless they’re on scholarship. Before deciding to take this journey, both students and parents are interested in hearing the advantages of this option. So what are they?

One major benefit in most people’s minds is the opportunity to experience a different culture for a short period of time. The student will have the chance to become accustomed to new foods, arts, music, history, political systems and holidays. Another plus is if you decide to travel to a country whose national language you’ve studied, you’ll be able to gain first-hand experience putting that language to use. The best way to become fluent in a language is to put it into practice; what better way to do that than to rehearse it in its natural environment? Having this kind of practice with a foreign language can look very good to a perspective college, grad school and even to future jobs.

The ultimate way to ensure you’re choosing the right plan is to be absolutely comfortable with the overall idea. If you don’t like leaving home for a couple of days, odds are high that adjusting to studying abroad would take some time. It’s critical to weigh your options. Obviously it’s natural to fear becoming homesick, but most students who’ve chosen to study abroad find that they’re so busy participating in amazing new opportunities that the time flies by and home is a faraway thought.

If you’ve weighed your options and decided the journey will benefit you, be sure to check out your options as far as programs go. Most high schools and colleges offer their own programs, but if you choose to go another route or if you’re home schooled then you’ll want to do plenty of Internet research. Terra Education is one option for those wishing to participate in a high school study abroad program. Regardless of which choice you go with, remember that you’re experiencing a once-in-a-lifetime opportunity and you should take full advantage of it. Put yourself out there and gain as much as you can from from the experience. Safe travels!

Second Hand Wedding Dresses – Why Its the Better Choice

January 8, 2021

Wedding and Dating

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Spending thousands & thousands of dollars on an expensive wedding dress is just stupid, plain & simple. That fact is doubly so when you consider all of the second hand wedding dresses that are ALWAYS available to you and me.

If you’re a millionaire with tons of cash to burn, obviously you can do and/or buy whatever you want. However, if you’re planning a wedding on a budget — which is likely the case — an expensive, top-of-the-line, designer wedding gown just isn’t a viable option. The smart brides know this, which is why they will always choose second hand wedding dresses.

The More-Than-Possible Savings

When you stop to think of the savings potential from this decision, it’s truly mind numbing. A new, designer wedding gown can cost anywhere from a not-so-low $4500 to a whopping $10,000 or more. Compare that immense figure to the cost of a second hand wedding dress — which should cost substantially less than $1500 — and it’s really a no-brainer.

Here’s something to wrap your mind around: If you were to wear your mother’s or grandmother’s wedding gown, the expense would be… NOTHING! Just imagine the amount of cash you could save by getting a FREE wedding dress!

Places to Look

– Family. As mentioned above, your mother, grandmother, or other female relative is an excellent start when searching for second hand wedding dresses.

– Antique Stores. Such a place is worth a few minutes of browsing, however unlikely it may seem to you. If you do find a gown here, not only will it be cheap, it’ll be traditional too.

– Thrift Stores. Don’t scoff at this idea, as it’s a great way to find cheap wedding dresses when you’re on a budget. Visit a few thrift shops and/or used clothes stores in the area and see if anything catches your eye.

Why You Shouldn’t Be Picky

It’s important to avoid being overly picky. Why? Because these are second hand wedding dresses you’re looking through, NOT newly designed ones. The more important reason, though, is that any dress you find can be cheaply altered to match your size, style, as well as your wedding theme.

With the money you saved by choosing to wear a second hand gown, it’ll be incredibly easy to find & hire a good seamstress to make the necessary changes. Remember, with the right changes & modifications, a two hundred dollar dress can easily be given the look & feel of a two THOUSAND dollar gown.

If you still don’t know why smart brides wear second hand wedding dresses, well, it’s safe to say that you’re probably not a smart bride.

Homeschooling Facts Research Against Homeschooling

January 7, 2021

Education Share

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A lot of research has been done to proof that homeschooled childrens academic achievements are better than that of learners in public schools.

There is, on the other hand, very little research available to proof arguments against homeschooling.

Certain questions that were raised by experts in the education field can, however, not be ignored.

Regulation of homeschooling seems to lack dismally in most states of the USA. The parent has the freedom to teach any curriculum and some even work without a specific curriculum.

Marty Hittelman, the president of the California Federation for teachers, has a problem with the stringent standards, evaluation and training teachers are subjected to, in public schools, compared to homeschooling parents that are not expected to undergo training or any form of standardized evaluation.

According to the California Federation for Teachers, there are also no standards or specific exit exams imposed on homeschooling students, in the California region. This seems to be the rule rather than the exceptions in most of the states. Even though these arguments proof some problems regarding the control of homeschooling by the state, it is necessary to mention that regardless of this, most children being homeschooled still have much higher grades than most of their peers in public schools.

Further than these specific negatives been pointed out regarding the regulations by the state, the rest of the opposing arguments against homeschooling are just arguments and there is no research available to proof the validity of these arguments.

Many of these arguments point to possible problems, that any parent considering homeschooling should definitely be aware of.

Most of the arguments against homeschooling rather has to do with the ability of the family to provide the correct homeschooling opposed to definite research that homeschooling is wrong for everybody.

There is no argument against the fact that there are many challenges for homeschooling parents and children. Before homeschooling can be successful and be of more benefit to the child than public schooling, the parents will have to realize and overcome these challenges.

Child Trust Funds – Essential Investors Guide

January 7, 2021

Parents and Kids

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There are some situations in which it is used to generate a better future for a loved one. That is certainly the case when one is investing in a child trust fund.

A child trust account can be used for investing money that will later be used to pay for some expense in the future. Typically, the money in the trust fund is used to pay for a higher education or for a first home. Regardless of what exactly the money is being used for, it is apparent that it is being used by a loved one for something that is important.

The primary reason to set up a children trust fund is to give the money you put in it time to grow to much larger sum. It is for this reason that you set up children trust funds when the person is still a child. You might have a couple of decades or so to allow that money to grow before they are going to use it. When doing this, you are giving them a much better gift than just saving the amount that you would have invested.

If you are interested in how to set up child trust funds at this point, it is vital that you know some of the basics. The primary thing to know is that you are going to need to speak to an investment broker to set this up. For this kind of an account, it is important to speak to an actual investment broker. Trying to use an online broker will not be able to get you the results that you are looking for.

A child trust fund account is a special type of investment. It is not something that you are likely going to go into and mess with that much. What this means is that you are not likely to change the types of investments that are contained within the child trust fund account that much. As such, it is important that you have the right investment company handling this account.

Start searching for the right company and the right type of account for your child. This research can easily be done on the internet. You just need to look up any number of different comparison websites. They will lay out the options that each and every broker has to offer. From there, you just need to select the plan that you believe will be the best for your child in the future.

Buying childrens toys for the holiday season

January 7, 2021

Parents and Kids

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When Christmas time draws near the sales of toys increases significantly and most toy companies make use of this to flood the market with new toys to attract children. While the vast majority of toys in the market are more a marketing ploy that adds very little to a childs development there are some toys that are beneficial to a childs development. Parents need to learn how to navigate through the toy department to find childrens toys that actually contribute positively to their childrens development and enrich their play.

Instead buying the latest gimmick toy on in the market parents should shop around and try to find toys that are educational and developmentally appropriate for their children. Childrens toys should be age appropriate and they should in some way contribute to a child gaining skills in cognition, motor- coordination, creativity, and imagination. Since play is a huge part of development parents should use toys as tool to help their children gain the skills they require for the future. Toys that are created specifically to challenge and foster these skills are ideal Christmas presents for children.

Since quite a lot of money is spent on toys parents should make sure that the toys they purchase are made well and produced using high quality materials. Some toy makers and brands take a lot of trouble to ensure that the toys are made with non-toxic raw materials and that they are sturdy and durable. While major toy stores will stock toys from a wide range of toy companies without much thought as to the beneficial value of the childrens toys they sell, some smaller toy vendors sell toys that are crafted specifically with a childs development in mind. Parents should avoid going to the first childrens toy store they see. Instead, they should shop around, especially online, to find a store that caters to their childrens developmental needs. A store that supplies toys that are made with quality in mind as well as serves some educational or developmental purpose to children should be a parents first choice.

Childrens toys such as puzzles, blocks, pretend play toys, arts and craft games and toys are all great choices for Christmas presents. These types of toys develop cognition, fine motor coordination, visual perception, creativity, imagination and social skills. Different toys target different skills and are made for different ages groups so parents should choose toys that are age appropriate.

Through play, a child can learn so much and practice and fine tune the skills that they need to develop in a fun and multi-sensory way. It is a parents job to provide their children with the correct tools to aide development by buying toys that are educational.

Top 10 universities offering free online learning

January 7, 2021

Education Share

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Good news for those who want to advance their education but lack money for tuition! It is possible to earn a degree from a highly reputable university free of charge. Below is a list of the 10 best free university courses (in no particular order) available for you:

1. Massachusetts Institute of Technology (mit.edu)
MIT is ideal for those looking for a wide range of free courses offered online. The university’s OpenCourseWare project has more than 1,750 free courses that are in text, audio and video formats. OpenCourseWare is used by students worldwide, most of whom say they would recommend the site to other students.

2. Stanford (stanford.edu)
Stanford University, one of the world’s top universities, has teamed up with iTunes U to offer access to Stanford courses, interviews and lectures. Available courses can be downloaded and played on iPods, Macs and PCs and can also be burned to audio CDs and played in CD player.

3. University of California, Irvine (uci.edu)
UC Irvine, recently teamed up with the OCW Consortium to offer free university level courses online. Although currently there are only a few courses to choose from, the list is rapidly growing. Course materials include lecture notes, assignments as well as exams.

4. Open University (open.ac.uk)
Open University’s (UK) OpenLearn website offer both undergraduate and graduate learners free access to learning materials. The materials cover a wide range of topics, such as IT and computing, education, mathematics and statistics, science, health, business and more.

5. University of California, Berkeley (berkeley.edu)
For almost a decade, the University of California, Berkeley has been providing live webcasts of a number of courses including IT, legal studies, engineering, philosophy, psychology and astronomy. Many of the university’s courses, are currently available as podcasts and webcasts.

6. Carnegie Mellon University (cmu.edu)
Carnegie Mellon University’s program called Open Learning Initiative (OLI) offers several free online courses. OLI courses are aimed to allow introductory college level students to learn about a particular subject without formal instruction. Courses cover a wide range of topics, such as economics, biology, French, statistics and physics.

7. Kutztown University of Pennsylvania (kutztownsbdc.org)
The Kutztown University of Pennsylvania has a resource centre, Small Business Development Center, that boasts the web’s largest collection of free business programs.

8. Utah State University (usu.edu)
Utah State University is also a good choice for those looking for free online courses. The university offers a number of download-able text-based courses ranging from physics to anthropology and theatre arts.

9. University of Southern Queensland (usq.edu.au)
University of Southern Queensland, Australia, offers free online courses through its OpenCourseWare initiative.

10. Tufts University (tufts.edu)
Tufts University, a private research university in Medford/Somerville, near Boston, Massachusetts, has OpenCourseWare that is available free to everyone.Course materials include lecture notes, assignments and other supplementary materials.

Where To Look For Scholarships

January 7, 2021

Education Share

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Gaining a college education isn’t cheap, and prices aren’t coming down any time soon. Taking out loans to get through college can leave a student paying off those loans for the rest of their life. Scholarships are the best way to get through school without accruing large amounts of debt, but how and where do you get these scholarships?

Colleges and universities usually offer academic scholarships. You must first apply for a specific school’s scholarship, which usually requires nothing more than sending your transcripts. Whether or not you’re offered a scholarship depends on the scores on your transcripts. High test scores and grades will help make a scholarship offer more likely.

If you are unable to get a scholarship from your school of choice, or you simply need more award money, you can look for other organizations who offer scholarships. These organizations can be anything from businesses to country clubs. Each organization has its own criteria for determining who they’ll give a scholarship. Special scholarships may be offered only to students belonging to a certain ethnicity, or students with certain disabilities.

There are many contests and drawings that also offer scholarships. The most common are essay scholarships, where you must write and submit the best essay to be awarded scholarship money. If you doubt your writing skills, you can still win a scholarship. No-Essay scholarships can be won in drawings. Many education related websites offer weekly or monthly drawings for scholarships, and you can enter each drawing cycle.

If the expenses of higher education seem to daunting for you, don’t give up! Until you’ve exhausted all your options, you never know just how much financial help is available to you.

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Protect Your Child’s Future With Mutual Funds

January 6, 2021

Parents and Kids

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You might not be able to imagine you could afford your child’s dreams and wishes for the future right now. But that could change if you use the right tactics. There is a way that can help you to prepare for the your child’s future – mutual funds. There are many funds that can help you invest in specific plans that augment your child’s future. The plans tend to vary based on the age of the child you’re investing for. If you’re investing for an infant or a child of up to 5 years – investments are likely to be equity based. Generally, the investment period could be up to around 15 years from when you start investing your money. This is the best time for you to start investing. It gives you more time with which you can build up your assets. You end up with more time in which you can keep investing money into the mutual fund.

Once your child is around 6 or 7, start considering a balanced fund. Even if you’re leaning a bit towards equities, that’s alright. But by this time, you shouldn’t rely only on equities. This is because you’ll have less time with to invest. Relying on equities means exposing your capital to volatility. At this point, the fund you choose needs to be balanced with a great deal of safety too. The investment period should range up to about 12 years. It gives you comparatively less time – for both investing and for you money to grow. Once the child reaches teens, don’t take any risks with your capital at all. Get a children plan with emphasis on debt funds rather than equity. You will have an investment period of around 5 years at the most, so don’t take risks with your money. Let it grow slowly but safely with debt funds.

Why debt funds? The investment period is too small for you to take risks with your money. You’ll need your money back in five years. Equity is simply too dangerous when you would need the money back in such a short while. Investing in debt funds helps to gain at least some level of interest on your money. You should have a good option for liquidity when you’re investing, though. Whatever plan you want to choose, ensure you have a fair idea of what you want when the investment comes to an end. You don’t want to fall short of the money you need. If you need more money, start investing earlier. Your money will have enough time to grow that way.