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Study Guides – Are They Helpful

Have you ever purchased a study guide that promises to teach you the the great and amazing study secret that no one has ever heard of? In most cases, this type of hype does not carry any real content or any fulfillment to the many promises they make. Hence, It will be my intention today to try to guide you on how to find out the real study techniques that lead to success in your studies. First of all, let me start out by this premise:

There are no real short cuts or secrets to gaining knowledge, it’s a matter of hard word and patience. Hence the saying: Patience might be sour but its result is sweet. Although there are no (or very few) real study secrets, there do exist certain study techniques that will make your studying a whole lot easier and even more effective. As you yourself might know, there are numerous ways of studying and I can’t compel you to choice a certain way that doesn’t fit you, hence I strongly urge you to do the following:

No matter how you learn the best (by visual experience, kinetic etc) make sure that you do not change horses in midstream concerning the way you learn, ie do not flip flop between different learning approaches. This will inevitable confuse you and may even worsen your study results in the long run. Remember that studying a small amount of information each day on a long time period is several times better than studying an immense amount of information over a short time frame. Contingency is a vital component in your studies, never forget that!

This article was not written in order to spell out all the thousands of different study techniques found under the sun but in the hope of making you realize that one can systemize the way one studies and that this change really can make a difference. Therefore, I urge you once again to sit down and reflect for a moment; how do you learn the best? Be sure to write down your answers and review them with your self and see if you can make any general conclusions, you might be stunned to see that you might have had a bad approach for too long.

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Record Number of College Graduates Defaulting on Student Loans

As college costs continue to rise, so does the number of students taking out student loans: Nearly two-thirds of students attending four-year schools now graduate with debt from student loans. Over the past decade, student debt levels have shot up by 108 percent.

While these numbers are significant on their own, the number of borrowers who are defaulting on their student loans has also skyrocketed to the highest level in over a decade. Preliminary data from the Department of Education shows that federal student loan default rates are coming close to topping 7 percent, compared to 4.6 percent just two years earlier, an increase thats raising alarms about borrowers ability to pay off their student loan debt in the current economy.

“The volume of people in trouble is definitely increasing,” said Deanne Loonin, a staff attorney for the Boston-based National Consumer Law Center and consultant for low-income student loan borrowers.

Unstable Job Market Leading to More Student Loan Defaults Education Department officials warn that while these default numbers are high, they may be just the tip of the iceberg.

This most recent federal student loan default rate is for the fiscal year 2007 and only accounts for students who started repaying their federal college loans between Oct. 1, 2006, and Sept. 30, 2007, and who had defaulted by the end of September 2008. The data doesnt include borrowers who, unable to repay their federal student loans, have gone into deferment or forbearance or borrowers who have defaulted on non-federal private student loans.

The student loan default rate is poised to climb even higher as the 1.8 million students graduating college next month who are saddled with student loan debt face one of the toughest job markets in over a quarter-century. The national unemployment rate has already broken the 10-percent mark, with regional unemployment ballooning even higher in certain states.

“Its scary thinking I could have spent $50,000 a year for the last four years and still go back to working at Wegmans, but its a reality,” Catherine Mendola, a senior at Colgate University, told The Associated Press (“College Grads Face Worst Job Market in Years,” USA Today, April 3, 2009).

Debt From Private Student Loans Particularly Troubling To make matters worse, an increasing number of these soon-to-be graduates will be leaving school with debt from private student loans, which typically carry higher interest rates than federal student loans, along with less-flexible repayment options.

The percentage of undergraduates who took out private student loans in the 200708 academic year jumped to 14 percent, up from 5 percent in 200304, according to the Project on Student Debt.

Private student loans arent required to offer the same deferment, forbearance, or income-based repayment options as federal loans, making it generally more difficult for struggling private loan borrowers to obtain a reprieve from their student loan payments and avoid defaulting.

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certidea P_LEWM_64 study guide

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New Study Highlights Negative Aspects Of Pornography

A recent study conducted by Patrick F. Fagan, Senior Fellow and Director of the Center on Research on Marriage and Religion at the Family Research council, examined the effects of pornography on individuals, marriage, family and community, and found the extent of damaging effects pornography has on individuals and families.

According to Fagan, Pornography is a visual representation of sexuality which distorts an individual’s concept of the nature of conjugal relations. This, in turn, alters both sexual attitudes and behavior. It is a major threat to marriage, to family, to children and to individual happiness. In undermining marriage it is one of the factors in undermining social stability.

Social scientists, clinical psychologists, and biologists have begun to clarify some of the social and psychological effects, and neurologists are beginning to delineate the biological mechanisms through which pornography produces its powerful negative effects.

Other findings of the study include:

Pornography is addictive. Neuroscientists are just now beginning to map the biological structures that underlie the addiction.

Users often become desensitized to a type of pornography, get bored with it, and then seek out more perverse forms.

Men who view pornography are less satisfied in their sexual and emotional relationships with their wives. Wives notice this and are upset by the difference.

Pornography is often a pathway to infidelity and divorce, and is often a major factor in these decisions.

Among couples affected by one spouses addiction, two-thirds experience a loss of interest in sexual intercourse.

Many adolescents who view pornography initially feel shame, diminished self-confidence, and sexual uncertainty. However, these feelings can quickly shift to enjoyment and regular viewing.

The main defenses against pornography use are close family life, and a good relationship and communication between couples and children, coupled with monitoring of internet use.

One way many families use to safeguard internet use is by installing an internet filter. An internet filter helps to protect your family from some of the harmful consequences of pornography that we are learning about more and more each day.
Wisechoice.net offers a comprehensive content filter that protects your family from pornographic web sites, as well as content control over chat rooms, instant messages and file sharing. Wisechoice internet filter is powered by the award-winning Safe Eyes software, but differs in that it cannot be turned off or overridden. This can help husbands or children who in a moment of weakness attempt to turn off the software to access pornography. Wisechoice is the only internet filter on the market with this feature.

Protect yourself, your marriage, and your family from Internet pornography with the fastest, most accurate and customizable internet filter software available: Wisechoice Internet Filter. Providing protection since 1998, Wisechoice.net is PC- or Mac-compatible and cannot be turned off or over-ridden. It works with any service provider or browser and offers 24/7 toll-free phone support. The service is inexpensive – $49.95 per year for up to three computers and is designed for adults and families. One month unconditional guarantee.

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Value Of Education India & Reputation Of Online Education In India

Education was always given huge importance in India. There was a time when children had to go away from their homes and learn about everything which included learning about what was essential along with ways for survival and community service as well. There was no discrimination among the children. However, today education India is a different picture. The system has changed and though some aspects are new and better, some can be considered as the drawbacks of modern knowledge.

Development of education in India can be evaluated by taking into account the steps taken by the government for free and compulsory education. Another side of the coin is that people are also becoming aware of the value of education. Some take it as by acquiring education they will be able to get better job opportunities and hence improve their life and lifestyle. Once they have been able to attain higher educational degrees, they can give better future to their children.

The education system in India was always strong and this is the reason why there is a large percentage of Indian scientists in the worlds picture. The only thing lacking is the opportunities and a bright future. However, this is also taken care of these days and steps are taken so that the excellent students in India get opportunities here and they have a bright future staying and working for the future of their country. The best example is the acceptance and reputation of online education in India.

Though it is still not a part and parcel of the entire education system, online education is gaining popularity in India at a substantial rate. Online education is a system in which people living in remote areas or those who do not have time and money to attend regular classes can take the advantage and earn higher degrees.

Still there are many areas in India where higher education is very difficult to achieve. Even if there is caliber and capability in students, they are unable to accomplish their academic dreams. Here online education and its awareness will help people attain the degree they want to earn.

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Student Visas – Who Want to go to United kingdom For Educational Purposes

Student visa is a visa specifically for students who want to go to UK for educational purposes. Collection of all information that you would like to know about reaching UK. Foreign students visiting the United Kingdom should complete the specified credentials and official procedure for enrolling in any educational courses and have to fulfill all of the wants of the United Kingdom student visa.

Despite of the student visas that you just are applying for, the eligibility criteria are still constant. To start with, you require picking out the colleges in the UK that you are entitled for based on your educational report and grades. Once you’re accepted by a college, you’ll be given the SEVIS I-20 or Certificate of Eligibility. You need to have this so as to receive a student visa. However, if you’re already in UK and have another visa, you wish to file for a modify in visa type at the United Kingdom diplomatic building.

If you’re in your home country and haven’t entered the United Kingdom, you’ll be needed to file for the F-1 visa or the valid student visa at the United Kingdom consulate in your own country. Here is the newest UK immigration law in the UK Tier 4 Student visa:

If you are thinking that you have learned everything about the latest UK Immigration law for students, here are some of the following facts you still need to learn: 1.Along with the above rules discussed earlier, you won’t be allowed to choose a lower degree level course especially if there is any job placement involved with it.

2.If the course is offered by a reputed and established college or university along with a reliable sponsor who is providing the training you will be allowed to get admission in the course.

3.If you want to study in UK, you will have to qualify in a test to show your English speaking abilities.

If you desire to apply for a UK student visa online, you may call for some places to take a free examination of the visa. UK students can take tests outside the course to start their studies if they are preparation to stay for longer than six months at school. There are a number of UK visa application online benefits. Tier 4 UK student visa, anyone who has a visa letter from the UK education provider. You have to show the living costs and maintenance fees apply.

So, if you think you can arrange all these basic requirements and have decided what type of visa you are going to process for international schooling in the UK, then start your application now.

GEO Lui writes articles for Geo Immigration, one of the leading names in the industry with a huge team of professionals who can help you get Entrepreneur Visa UK & Tier 1 Investor Visa UK.

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The Classical Home Schooling Option

Home schooling is an attractive option to consider for many parents. The program offers many advantages over learning in traditional schools. Home schooling also provides more one on one teaching time where the teacher can focus on the student as opposed to handling numerous students at the same time. This will allow children to obtain quality instruction.

Students of home schooling also benefit from having a very comfortable and familiar environment for a classroom. Home-schooled students no longer have to adapt to new surroundings, which can also sometimes affect a child’s ability to learn. This system can also provide a way for parents to be closer with their children and can also help parents have a more active role in educating their children in the manner that they want.

Home schooling can effectively be used by employing a variety of methods available. There are classical home schooling methods that follow traditional education in conventional educational institutions. Classical home schooling comprises of primary, secondary and tertiary phases which is most accepted in most educational institutions today. Other educational philosophies can also be adopted through the home schooling method.

But the main difference that home schooling can provide is that it can allow a more varied approach into teaching and learning. You can choose from a variety of accepted techniques available that you can use to effectively help your child learn and absorb new knowledge. There are unit studies that make use of a central theme, implemented in context on all the subjects that are tackled.

Home schooling can also follow a student-paced learning approach which depends on a student’s learning speed. This approach helps students understand fully or master a concept before proceeding to the next subject or topic. Another approach is the “unschooling” method that encourages students to depend not on direct instruction but learning through an exploration of interests. This enables a child to learn by doing. This approach aims to provide learning opportunities through games and real life circumstances and problems which will enable a child to learn without coercion.

Home schooling is a credible alternative to traditional education. It can provide parents with a choice on how to effectively educate their children. As home schooling is fast getting the approval of more and more people, it becomes a very attractive option made available for you and your children. With your children’s future in mind, having different options can be a good thing. And home schooling is an option that you must consider in trying to provide the best education for your child.

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Uk Internships For International Students

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.

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Information On Consolidation Of Student Loans

Paying for college can be a genuine hassle especially when you graduated from the school nearly a decade ago. Many graduates think that the six months they have before the required scheduled repayment of their various college debts is always an eternity. The six months is nothing as compared to the years of payments ahead of you, so many people opt in to consolidate student loans. A consolidation of student loans can make the monthly less painful.

I used to have three separate student loan bills. Two were for my undergraduate studies (which I have decided I actually could hardly afford) and one was for graduate school (which I definitely could not afford). Paying all three bills in a timely manner was a real headache for me.

A part of the issue lies in the basic fact that I have trouble remembering to complete tasks that I really do not want to complete. There has to be some kind of subconscious factor going on here that I haven’t come to terms with as of yet. The best solution for me was to find out the best way to consolidate student loans.

The process of selecting a lender that will accommodate your needs is no problem at all. In fact, many of these lenders come to you. A consolidation of student debts has helped me keep track of my account much easier and it afforded me a few extra dollars every month. Actually, I save about 150 bucks each month through the debt consolidation.

This extra cash is terrific but I also like to put a little more on the principal every month. This is a great way to knock down the principal swifter and avoid paying too much interest. I find that the smaller monthly payments I got through consolidate student loans helps me make an additional payment here and there. This makes a lot of difference.

Another benefit of picking a consolidation of student loans is the interest rate itself. Even though you are refinancing the financial debt you will still get a really good rate of interest regardless of what your credit rating is like. This is a significant advantage for anyone who would like a consolidation of student loans without the fear of hiking rates of interest.

I chose to take this route nearly two years ago and I definitely made the proper decision. I have smaller payments as well as the promise of paying off the whole debt in less time than I thought I would. The consolidation of student loans is an excellent way to gain control of this monster of a debt.

Learn more about how you can can consolidate student loans effectively and without spending a ton of money out of pocket by visiting us at

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The Teacher becomes the student

A relationship expert once said that during an argument, there’s usually three sides to every story: his side, her side, and of course, the truth. This is something we must definitely keep in mind as teachers. Many educators (especially professors), have been accused of having the biggest egos this side of Mount Rushmore. One of the quickest ways to burn out in education is to refuse to embrace change. Keep in mind whether we want to admit it or not, life moves and changes constantly.

Students are constantly exposed to material we once never dreamed existed. Ironically, although students are exposed to more, they typically know less and are less mature than the generations before. However, that does not discredit the fact that students still bring a unique perspective to our classroom; it’s through their eyes that we can become better teachers.

One useful strategies for maintaining a high level of motivation in the classroom, can come from the Sales industry. Rule #1 in Sales is that in order to bring the customer to where you are (your level of understanding), you must first go to where they are (they’re current level of understanding). In simple terms, you must know your customer (in this case, your student).

Relating this concept to the education arena, you must simply and clearly define your objectives and what you would like to see happen over the course of a semester (or even a brief interaction) with a student, and then you help your students to do the same. In other words, know where YOU want to go, help them find out where THEY want to go, and then come up with a strategy for both of you to get there. In negotiating terms, they call this a win-win solution. Obviously, this strategy can only work if you value the student, and you believe he or she can make you a better teacher.

Students aren’t as concerned with the subject matter itself as they were with how the subject matter is being taught. They are more concerned with the Teachers attitude than the answers they are given. This might be a revelation to many eductators

If you want to become a more productive educator in or outside of the classroom, the key is student input – you must seek it. They say that the definition of insanity is doing the same things over and over again, but expecting different results. If you listen to and solicit feedback from your students, you won’t have to repeat the mistakes of the past. So value your students and their input; trust me, they hold the keys to your success.