Category Archives: Education Share

Consolidating Student Debt at the Best Time with the Best Rate

Consolidating Student Debt at the Best Time with the Best Rate

When debt starts building up from multiple student loans that have been obtained in the past, a lot of students seek for a solution to help them manage repayments in an easy and cost efficient way. A student loan consolidation program does exactly that. They were designed to help students with an alternative way to make payments and manage their student debt. There are however, different things to take into consideration when planning on consolidating student debts.

How Many Loans Should Be Consolidated?

There isn’t a set amount of loans one should consolidate. Experts in the finance industry recommend consolidating student loan debt when the total amount of debt is equal or more than $7,500.

It is known that private student loans should be consolidated separately and not with federal student loans. If you are supposed to pay back a loan at a relatively low interest rate, you may not want to consolidate that loan with others.

Playing by the Rules Will Help You Get the Lowest Rate

One of the main factors that put you into a debt situation is the student loan’s interest rate. In order to pay less for the loan, get a better interest rate. You can do so by consolidating your high and variable interest rates and you will find it beneficial for various reasons. The interest rate quoted by debt consolidation service providers is a maximum of 8.25%. Therefore, it would be wise to consolidate the loans that carry an interest rate higher or ranging at about 8.25%

Compare Options for the Best Repayment Plan

Before making a decision, compare lenders and options for the best student loan repayment and rates. You will quickly notice different options when consolidating your student debt and by having different opportunities from various solution providers you will eventually find the best offer for your needs.

Credit Cards for Students Important Tips

Credit Cards for Students Important Tips

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.

Seton Home Schooling

Seton Home Schooling

What is Seton Homeschooling? It’s hard to keep up with the wide variety of the “movements” confounded with the ever-growing public of families who are making the jump into homeschooling their young people. Some are interlocked with certain dogmas, some are involved with non-religious reasons, and some are just there.

Seton Homeschooling is one of the types of homeschooling that is confounded with a system of belief. Seton Homeschooling is a very leading form of Catholic Homeschooling that was established by Dr. Anne Carroll. As is without difference with of all sorts of categories of homeschooling, Seton has its roots in a physical junior high school that was aimed to give moms a backup to society education. In addition, as is in many instances the case, this middle school takeoff fondness and there are more and more families who solicit their kids to come to this kindergarten, so the junior high school develops homeschooling information. This is exactly what took place with Seton Homeschooling.

As you very cleverly may appreciate, private schools, such as Seton Junior School, had extremely high tuition and the youngsters were separated from their families at a young age to live on the campus and come the school. As Seton began to gain acceptance and their Catholic and academic reputation accelerated, there were very many requests from parents who required their kids to make obligatory classes by correspondence. Seton began making the core curriculum attainable and now these days they sign up about 10,000 students into their schools and several thousand greater through homeschooling school kids.

Seton believes that homeschoolers anymore are the leaders tomorrow and offers Catholic general studies for grades middle school through twelve. Their curriculum places a fancy value on creating the juvenile’s Catholic allegiance as nimbly as emphasizing works of Western Civilization. It is worth your time to look deeper into this systematic Catholic method for home schooling.

How to Choose Distance Learning Courses

How to Choose Distance Learning Courses

When you have to choose between distance learning courses there is a set of questions you need to ask and other factors to consider before you pick the direction you want to study in. There are a myriad of courses available to choose between and all of them look as inviting as the next.

The questions

What kind of qualification will I receive? You need to establish what type of qualification you need before you enrol for the course. You might find different courses offering different types of qualifications in the same field of study.

What will I learn during the course? It is important that you study the course outlines of the distance learning courses you are considering. This way you will be sure that you pick the relevant course for your studies.

How will the course be taught and will I have access to teachers? You need to find out this information as some courses only requires work assignments and practical exams while others might require written examinations.

The importance of access to a lecturer cannot be understated; it may the only place you find help when you are struggling with certain aspects of the study field.

What course materials will I receive? The study materials you receive for distance learning courses might make or break your study experience. Some educational institutions will include the material as part of the tuition fee while you might need to pay additionally for it at others.

What is assessed during the course? The assessment will provide you with valuable detail of how the qualification will improve your skills sets.

How much does it cost? The cost of the distance learning courses will surely affect your choice. You should however inquire if there are any hidden costs involved, like additional course materials and examination fees.

Are there any set application dates? Some learning facilities has set dates to apply for specific courses; you will need to apply for the course in due time.

Do the course require a deposit with monthly pay offs or do I need to pay for the course in full during application? Once off payment distance learning courses might be a better option as you might not need to sign any debit orders and incur additional banking fees.

Conclusion

When you are choosing a study direction or course you need to ask all these questions to ensure that you pick the best course for your specific needs. You need to think about the type of qualification, study materials and costs involved. Another aspect that might be of concern is if the institution is a registered institution and the courses they provide are accepted by the potential employees you are thinking of for your future career possibilities. If you are simply looking for additional training to further your own business acumen a registered course might not be needed.

Student Loan Debt – It’s Not Funny Anymore Kids

Student Loan Debt – It’s Not Funny Anymore Kids

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.

Most Popular Degrees At Online Colleges And Universities

Most Popular Degrees At Online Colleges And Universities

From interior design programs, X-ray technician programs to more usual programs such as education and business, online colleges and universities have continued to enlarge their suggestions. Over the last several years, online schools have added unique courses and diverse majors to cater to learners wanting to learn staying at home, when pursuing challenging online studies. When lots of subjects, such as law or dentistry cannot be taught online only, other majors make headway as most accepted online degree programs.

A 2009 study investigated the popular disciplines and majors in online learning and showed the outcomes. After analyzing the replies from about 2,500 universities and colleges, the researchers found a growth in online enrollments during the last five years has resulted in an increase in all the disciplines of online studies. In fact, there is not a focused development in any one field. This study examines the model of online suggestions based upon online penetration portions by discipline. The data was counted for each of the 8 fields with the greatest amount of degrees given. The 8 programs were: liberal arts & sciences, humanities, general studies; business; health professions & related sciences; computer & information sciences; education; psychology and engineering; social sciences & history. The report states there was equal portion for 7 of the 8 major discipline fields that were examined. Actually, engineering at online public colleges and universities was the single discipline area in that online repre
sentation was lower overall. Associate schools had the very positive view of online learning, and demonstrated a broad lead in online penetration for liberal arts, social sciences and psychology.

The very popular degrees online are often the ones, which are more broad, such as business and liberal arts. These majors let graduates pursue more career paths and occupations than something very specific like web design. In case you have some special talents in a particular field or have dreamt of becoming something unique, you should go for it!

Pebble Hills University Online Degree

Pebble Hills University Online Degree

In order to deal with the competitive market, working adults are keen to study. You must try to inculcate the skills of selection and maintenance of aim in life. While devoting your energies in pursuit of academic excellence, considerable efforts should be made to spiritual development. Since, in the times of stress, this would provide you the much needed inner strength to carry on with your mission.

Prof. Muhammed Ayinla Omolaja, the President of International College of Management and Technology (Nigeria) and regional director of PHU, Nigeria, claimed that it is the universality of the institution in its approaches that is fetching it so much popularity in recent time among education lovers over and above regional Universities the world over.

Learn to hold on to what you believe is right and just. Be gracious enough to accept your mistakes and resolve to improve. Humility never demeans a person rather it elevates him. Take each difficult head on and see it as an opportunity to learn and excel.

The best study mode for working adults would be distance learning, which is practical for them to balance their work, family and study.

The overriding philosophy of an outstanding distance learning University is to prepare managers, administrators, scientists, engineers, technologists and agriculturists for critical tasks of the moment and for the future. This objective will be met by providing a foundation on which students can build and grow after they graduate; a foundation sufficiently general to be relevant to a broad range of management, social and technology contexts.

Dr. Patrick A. Welsh, the Principal of Caribbean Institute of Business expressed that Pebble Hills University has opened up another door, creating another chance for success for those students in Jamaica who would be left behind by not having a BSc. or an MBA. (Pebble Hills University is a global online university)

Global business is expanding, thats why you need a global institution with a radical outlook towards education. Due to an education system based on real world values, the knowledge gained can be incorporated easily & more practically in the relevant field.

According to Prof. Manfred of Pebble Hills University, the highly diverse community at the University consists from many cultures, nationalities and religions offers students a unique environment and a great experience. Also the students who enrol in to study programs can complete them in their local campus. Also they have the option of completing the selected study with PHU directly, online.

Contact:
Pebble Hills University
Website:

How Plagiarism Hurts Students

How Plagiarism Hurts Students

Plagiarism is a crime that anyone in the writing profession should avoid.

Copying work of others and making it appear that you are the one who wrote is strictly prohibited in any profession especially in the field of writing.

If this act of copying the work of others is a crime among professionals, the same thing holds true among students especially if that person is studying in a writing course or any other course in that matter.

Plagiarism will definitely hurt any student and will put his reputation and standing as student in jeopardy.

One ill effects of plagiarism among students is tarnished reputation, once the school community realizes that you committed plagiarism they would think of you in the negative and will doubt your skill in writing.

Another negative impact of plagiarism among students is the loss of confidence in writing, by taking short cuts in the writing process; the student did not allow him or herself the opportunity to learn how to write.

With his failure to learn the skills in writing, there is big chances that the student will again plagiarize in the future could further dampen his or her chances of success.

Aside from the students, the teachers and parents of these people would also be hurt if ever they commit plagiarism.

The teacher of a student who will commit plagiarism will feel like that the student is disrespecting his or her status and mentor when he or she decided to plagiarize the work of others thinking that such actions will not be caught.

The parents of students who will plagiarize will also be hurt since it would be hard to think that their very own child whom they constantly reminded to be honest commit cheating by plagiarizing the work of other people.

The reputation of the parents from the eyes of other people will also be badly affected if ever their own flesh and blood commit the crime of plagiarism.

With the negative things, it offers students should do their best to avoid it even if the temptation of getting good grades is high, since there is a strong tendency it can ruin their future if they continually commit this illegal activity.

Weber State University Alumni, Founders of Campus Book Rentals, Provide a Way to Rent Textbooks

Weber State University Alumni, Founders of Campus Book Rentals, Provide a Way to Rent Textbooks

Campus Book Rentals was founded by no more than a handful of Weber State College alumni, graduates with an eye for business and a passion for helping students succeed in college. Alan Martin, now acting CEO of Campus Book Rentals, built this company from the ground up with the help of his fellow alumni, Rocky Moline, Todd McCormick and Shane Willard.

-I was at my computer before one of my last Master’s classes buying another textbook online,- explains Alan Martin, CEO of Campus Book Rentals, -and it just dawned on me all at once that textbooks could be rented.- Since then, these four businessmen have worked together to create a flawless system of renting textbooks online, saving college students hundreds of dollars on textbooks every semester. Colleges and universities across the nation are taking advantage of this cheaper, faster, and easier way of getting the textbooks they need, not the least of which is Campus Book Rentals’ very own Weber State University.

-Our focus was always the national college scene, but we had to run a pilot at WSU to test our theories,- says Martin. The students at Weber State University seemed only too happy to get involved in a textbook rental process that would save them both time and money.

-I rent textbooks from Campus Book Rentals, not just for the great price and efficiency of renting, but also because every time I rent a book from them, I’m reminded of how graduates from my school started a successful company and are now making a difference in the world,- says Emily J., a Junior at Weber State University. -It gives the students here something to work toward after graduation.-

The creation of Campus Book Rentals has started an entirely new industry in renting textbooks. Students from over 3, 500 campuses nationwide are discovering a better way to get the textbooks they need at a cheaper price. Ryan B., a Senior at Weber State University has this to say about renting textbooks from Campus Book Rentals: “Renting my books from Campus Book Rentals allowed me to save money and let someone else take the risk of not getting my money back at the end of the semester. In just one semester, I spent $60 instead of $200. I don’t think I would have gotten enough money back from the bookstore to even match what I paid using this service.”

Campus Book Rentals has single-handedly eased the burden of buying hundreds of dollars worth of textbooks every semester. A college student has enough expenses to worry about as it is. Rent your textbooks from Campus Book Rentals, and join the movement.

Choosing A Cello Teacher

Choosing A Cello Teacher

It is really not all that easy to hire the right cello teacher. A lot depends on the character of the teacher and how that matches up with how the student is, but there is a lot more to keep in mind. What level the student has reached so far and how old he or she is are important aspects to consider, as well as how much the cello teacher charges and the distance that the teacher or student has to travel to meet. The cello teachers availability and background are also undeniably important.

Good cello teachers are hard to find. It really is a matter of supply and demand. And the rates that are being charged are parallel to that idea. One has to keep in mind the realistic goals of the student. To learn how to play just for ones amusement does not require a teacher as proficient as a teacher for students who have great hopes of becoming involved on a very high level.

Either way, do your homework and evaluate everything that speaks for or against a certain cello instructor! You have to investigate your potential cello teacher before selecting. Find out how long he or she has been doing this kind of work, where did he or she acquire the knowledge, and how he or she sees music, sees the cello. Choosing cello teachers with an advantaged knowledge who graduated can potentially teach you better than others.

Not every cello teacher has the same way of teaching. They are individuals with strengths and weaknesses. Make sure you know enough about your potential teacher before you make your choice. Some cello teachers have set up a strict plan on where to get and by when, while others just stroll along with the needs of the student.

See what you can learn about the cello teacher you are about to hire. Listen to what his former students have to say. Talk to them yourself. Was discipline and hard work expected? Was he nice and outgoing? For what age group is he more suitable? Did he encourage widening horizons? Did he do the effort of bringing fascinating work or was all he did following the book? Empowered teachers are creative in developing their students talents.

Check out if the cello teacher you are about to hire has a habit of staying with a student for an extensive time period. When students are not progressing that was usually not the case. Investigate what his former students are doing now. Are they still actively involved in the music world? Are they still playing the same instrument? If not it might be that his students lost interest because the teacher was not a great instructor. Uninterested teachers do not feed a students enthusiasm.