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Student Loan 101: Get Money and Get a Degree

 by: Richard Martin

If you are like every other college student out there, you need to pay for college somehow. Many students look into getting government grants or taking out loans from friends and family. These can be extremely effective means of financing an education and these options should be looked at. However, a student loan may be the answer if you don’t have the savings or the means to get the money.

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College can be expensive. Most parents at least try to help their children financially through at least some part of their university experience. However, getting a degree at one of the prestigious universities can run you more than $30,000 in tuition alone at the top schools. You might be one of the myriad students who attend our large state schools and therefore go to school at a substantial discount. However, most people don’t have an extra $100,000 saved up and therefore seriously need to consider taking out student loans and applying for scholarships if they can.

A student loan can help you pay for tuition, books, and general living expenses. Student loans are handy when you don’t have a job and have an immediate bill that is coming due. Finding a grant or student loan shouldn’t be as difficult as your classes are, so here are 3 valuable tips to consider when putting together your financial plan for your next year at college.

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1)Find a student loan provider who is established. You don’t want a fly by night organization that is merely interested in taking you for a ride and not providing the money you need to complete your education. Getting your student loan can be a long drawn out process where the lender delays and delays and you end up waiting and waiting with more debt piling up. I have friends that have had their student loans delayed until the end of the semester due to paper work errors! Wow! A $5000 tuition bill doesn’t look pretty when it’s sitting on your credit card statement.

2)When you receive your student loan, look to pay off high interest debt first. Guess what? Your money will do a lot more for you when it’s only accruing debt at 5% per year than at over 20% on your Visa bill! Credit card companies can be very aggressive marketers and you might end up paying for that tuition bill many times over if you let it sit on your credit card. Always look to lower your highest monthly expenses if possible and this definitely includes credit card debt.

3)Shop around. I’d be willing to bet that some banks will give you a better deal on a student loan than you think they would. Find out who’s got the best rate to get the best deal on your loan. Student loan payments can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 50s and still paying off their student loans. It’ll pay off in the long run to make sure you find the best deal possible.

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About The Author Richard Martin is a contributing writer at http://www.LegalClips.com. LegalClips.com has Vioxx and injury lawyer articles.

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What do you do when your child begins talking to some unseen entity? How do you determine if it’s a psychic event, an imaginary playmate, or some sign of a mental health issue? You want to handle things in a way that is best for your child and of course in a way that isn’t going to harm them in any way. You also want to make sure that you speak from a spiritual belief system that you can believe in. Your child will know if you are uncomfortable with the topic or if you don’t believe in what you are saying. They’ll also be able to tell if you are scared or threatened by the subject matter. You will want to fully research the concepts and choices before saying something that you might later regret. The first response should probably be no response. After all, it may just be a fabrication to gain attention. Kids do that.

The first thing to look into is imaginary playmates. There is a lot of research and information to be found on the topic. You can ask your child some questions about their little friend and find out pretty clearly if the child is creating an imaginary playmate or not. The research will show you some of the common reasons and scenarios that cause some children to create these friends. Study the topic for yourself and make up your own mind if that’s what is happening with your child.

If you determine that your child does not fit into the imaginary playmate profile, then you have to decide if they’re actually talking to guardian angels, spirit guides, Jesus, or some deceased relative. As I understand it, imaginary playmates are not named after spiritual entities or relatives. They have their own unique names. If your child is specifically mentioning Jesus, or great grandpa Joe who died last month, then you have to evaluate the chances that they’re either suffering a bit of an emotional problem or they really are talking to spirits. I would also look at your own words and see if the child might be trying to win your favor by pretending to channel your favorite spiritual figure. Also, are you giving them subtle messages that maybe you want them to be magical children that talk to angels and spirits? They may be faking it in order to please you. Kids do that.

It might not hurt to find a therapist who believes that psychic events can and do happen. They would be able to give you some professional insight, guidance, and reassurances if needed. If you see a therapist who simply doesn’t believe in such things, then you and your child may be deemed nuts! On the other hand, there are experts who are so hungry to find real live cases of psychic children, that they may overlook signs that your child is faking it or struggling with other issues. You really need to choose the therapist carefully and one with good amount of common sense as well as an open mind. They will be able to help you find out if your child is really channeling someone from the other side or if they’re suffering from some sort of a psychological issue that needs attention. They can also help you to learn how to speak to your child about the events. If it’s determined that your child is psychic, expand your research to include information about psychic children. The fact that it’s Jesus or Joe that yourchild is talking to may be comforting, but that’s not really the issue. The fact that they can possibly ‘hear’ and ’see’ a dead person means that you have three basic choices before you.

* Make your child stop so they’ll be ‘normal’ and fit in with everyone else. This is typically done by ridicule, punishment, or logically telling them that what they are experiencing is not real. Telling them it’s not real and isn’t happening is a polite form of ridicule.

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* Make the child into your personal miracle. Have them show off for everyone you know by channeling grandpa Joe for you, your friends, and family. This will make them feel like a side show freak. This approach could quite possibly backfire on you by making your child quit talking with angels altogether. It can also make them embrace a sense of self who is freakish, causing the child to become a really weird and spooky personality type who doesn’t fit in with anyone anywhere.

* Behave as if it’s perfectly normal to talk with those who have passed over to the other side and act as though it’s simply another form of communication and/or prayer. Explain to them that there’s nothing wrong with them. However, you should probably warn them, as they get older that there are frightened uneducated people who will not like it. They will need to learn when is the proper (safe) time and place to discuss such things and with whom. By not making a huge big deal of it, you help them to feel like it’s simply a natural part of life. I personally would not want to deny my child such a direct link to the heavens. My overall recommendation is to research psychic children and imaginary playmates. You can find support groups of other parents and professionals who are addressing this topic. They would have more concrete research and data for you. Whether your child has created an imaginary playmate to entertain themselves, is really psychic, is just trying to get some attention, or is having emotional problems, they were given to you to care for. No matter what your belief system, it’s your job to protect your child and make sure they grow up as balanced and sacred as possible. The most important thing is that you both continue being honest and loving towards each other. Be kind and most things will turn out for the best.

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Skye Thomas began writing books and articles with an everyday practical approach to life in 1999 after twenty years of studying spirituality, metaphysics, astrology, personal growth, motivation, and parenting. After years of high heels and business clothes, she is currently enjoying working from home in her pajamas. Go to www.TomorrowsEdge.net to read more of her articles and to get a free preview of one of her books.
Skye@TomorrowsEdge.net

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Learning Styles And Their Effect On Language Learning

 by: Frank Gerace

Note: This article makes special reference to the effect of learning syles in the learning of Spanish but the principles are valid for all language learning.

LEER ES PODER!

Learning Spanish!

How can you best learn Spanish? It depends on your particular approach to learning. Take a look at the following approaches to learning Spanish. But if you already know where you are, you can skip the following reflections and go back to see what is available for your level ( beginning, intermediate, or advanced ) in Spanish, to sort and search for your specific needs, as well as to read reviews and summaries of the books that strike your interest.

DIFFERENT STYLES

Non-Virgins: Those who studied another language should use the skills they acquired with that language. They know what a conjugation is. They know that verbs are different from nouns. Their previous study gives them some mental hooks to help with their Spanish. They should not throw away their advantage by working on Spanish in a completely conversational manner. They should try to get an overview of some commonplaces in the language. They should get an “old fashioned” grammar and lean heavily on the tables to organize their thought. This type of learner should “invent” Spanish on the basis of what they know of the other language. They will remember a little of the structure of the other language. For example, what is the relation between adverbs and adjectives in Spanish? What is the most common way to express what happened yesterday (past tense)? If the other language is a Western language, they should observe the possible similarities. If the other language is non-Western!

, the very differences can be their starting point to learn the counterparts in Spanish. In short, they should study “the wrong way”. This is not for everyone. The learner should know his or herself.

Brains: These folks will operate much like the Non-Virgins. They will progress better by concentrating on the little points that intrigue them such as the difference in usage between the prepositions “por” and “para” and the verbs “ser” and “estar”. To master one or two of these elements so characteristic of Spanish will help the learn build on their conquests to go on to master other things. This analytical approach will be of great utility to the persons with the cerebral learning style.

Motor Mouths: The persons who are not afraid to try out their Spanish will progress very rapidly. These folks probably have a little genetic edge over the rest of us. However, we all should try to put together the pieces as we learn them. If there is no opportunity to talk with someone else, then we can tape our attempts. There are two parts to this early talking practice: confidence and pronunciation. The most important thing is to gain confidence or to be thick-skinned enough to speak your piece, knowing that the exercise will pay dividends. However, we should not put off working on our pronunciation until it is too late and we have given up on acquiring a valid accent. There are too many people who after living years in a Spanish speaking country are perfect in their grammar but who have a typical or even stereotypical English accent. There is no need for that. Spanish is perfectly regular in its phonetics. Motor mouths should also work on their accent!

People People: Anyone who likes being with people and who has a need to communicate will progress quickly in learning a language. Many outgoing, friendly people learn language in the “motor mouth” mode. However, other people without the gifts of the motor mouths can gain valuable exposure to the language by just following their social instincts. These folks, however, should not overlook the need to speak correctly. Although they are not interested in traditional grammar in the same way the “brains” are, they must work at speaking correctly. We all know people who learned English years ago, but still say things like, “I am interested to go with you”. You don’t want to spend your life in Spanish with a similar easily corrected error. Learn it right as soon as you can. The people people have to stay curious about the language.

Learn-while-doing People: I was told once that the only way to learn French was to sleep with a French woman. The idea behind this is that we learn the expressions and words for the activities we are interested in. People who learn like this try to get their Spanish-speaking friends to accompany them as they cook or fix their car. They find that they learn better when their whole body is involved in learning the new words and phrases. For example, the person who learns the word “serrucho” while sawing a board will remember it better than the person (see the “word collector”) who just learns the vocabulary from a list.

Word Collectors: This person may be great at crossword puzzles (Crucigramas) in Spanish but rarely gets to speak it. If you find yourself learning words and not getting any further, break out of it! We once had a houseguest, a young man from Spain who came to learn English. There were times when our family would be talking Spanish, and he would echo all the Spanish words with their English equivalents. He had a great vocabulary but never got around to talking English. This kind of learner should alway make sure that they make up sentences to practice using the new words they learn. They can combine their ability with vocabulary with the “divide and conquer” tactic. They should not only invent sentences to use the new words; they should run through diferent grammatical constructions as the setting for their vocabulary.

Divide and Conquer People: Every learner of a foreign language has to learn to incorporate the learning style of dividing and conquering into their own style. If they are “brains” they should concentrate on one grammatical turn of phrase, such as conditions contrary to fact, (If my grandfather hadn’t died, he’d be alive today!) until they can handle it.

The people people should repeat in the same conversation the new expression that they just heard. The same goes for all the others. The only way to learn a language is by following the “swiss cheese” method, nibble away at the things you don’t know, and master them until they are all gone.

Lost Latinos: This person should try to remember the nursery rhymes that they might have learned in Spanish. They should run over the names of their cousins and uncles. All of this will loosen up their rusty language skills. They should listen to how others speak “spanglish” and try to figure out the proper way to say things. They should make a game of trying to spot the influence of English in the Spanish they hear at home or in the barrio. This detective work will make them more aware of correcting whatever bad habits they have picked up. However, don’t think that these persons have all the advantages. The person learning from scratch will probably spell Spanish words better than those who know a little Spanish. I’m not sure why.

What works for EVERYONE… There are two activities that will help everyone, no matter what their learning style, move forward rapidly: They are: 1. Passive Listening, and 2. Pattern Response Drills.

1. Passive Listening. Everyone should keep the Spanish radio on as much as possible. Keep the radio or TV on while you doing other things. It has to be the sea of sound that you swim in while you are beginning your study of Spanish. You don’t have to concentrate on it; you are not listening to try to understand. After a while you won’t hear it but it will be affecting you. Little by little you will begin to anticipate the rhythm of the language, even before you understand everything. You will also begin to recognize certain words. You will begin to hear “beyond” the differences in pronunciation of different people and recognize the underlying word. Once you clearly hear a word or phrase, you can look it up and progressively expand your vocabulary.

2. Pattern Response Drills. You have to run through all the permutations of the new expressions that you learn. For example, suppose you just learned to say. “Pedro tiene cuatro a os” rather than translating from the English incorrectly, “Pedro es cuatro”. Now to make this new element of the language stick with you, you should go on substituting different ages and the names of different people. You have to be able to say comfortably, “Mar a tiene cuatro a os.” “Juan tiene ocho a os.” “Yo tengo treinta a os.” ” Cu ntos a os tienes t ?” “Nosotros tenemos cuarenta a os.” This type of drill is necessary for all the different learning styles.

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About The Author Very well. Now that you have read till this point, we hope that additionally you will have something incredible. Get additional benefits by flipping through the pages further. Frank Gerace Ph.D has lived and worked in Latin America on Educational and Communication Projects. He currently teaches English in New York City at La Guardia College/CUNY. He provides help to parents wanting to have their children speak Spanish at: http://www.bookslibros.com/SpanishForNinos.htm.

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How Distance and Open Learning has Changed my Life

 by: Emma Jones

When I was approached to write a piece on open and distance learning education, I came up with this piece. After reading it through, I have come to the conclusion that my life has changed completely because of it. I didn’t realise how much until I wrote about it, and got half way through proof reading it. This is what I wrote:

‘When I got married I quit my job in the legal profession. Eighteen years on, and three children later, I decided that there had to be more for my future. I had the time to spend on anything I wanted, but I didn’t know what I wanted to do. I looked through the courses that Oxford College ODL offered by open and distance learning, and realised that this mode of education was a very good place to start. I had picked out the characteristics of education that I didn’t want to bother with, and there were quite a few! Examples of these were not sitting in a classroom with younger students that would show me up, stringent rules and class times that had to be adhered to, and cramming for and worrying about exams that were taken in large halls full of these again, young students. Oxford College ODL through their distance learning and open learning courses was offering me what I wanted, all that was left to do was to choose where I wanted to start.

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I decided to start with two courses that were completely different, so I enrolled in one that I thought would help me understand the world around me, and one that would help me with confidence and my relations with my children. The first came in the form of a sociology diploma, and the second in a diploma in life coaching. I knew I was taking a lot on, but this was just for me, and I could take five years to complete them! It hasn’t taken me anywhere near that long to complete them both. I have completed my diploma in sociology with distinction, and I am on my penultimate assignment for my life coaching diploma. I have been able to put a lot of time into my studies, but it has only been shy of two years now and I have accomplished more than I thought I would have been able to.

My plans are to move onto a diploma in psychology next which my background in sociology has given me a deep interest in, and for myself rather selfishly, I am going to enrol on the English Literature program which I believe will give me the confidence to enjoy the writings and works of those that spent their lives composing pure and quality entertainment. I couldn t have done all this if it wasn t for the distance learning and open learning courses offered.

Through me, my children have gained confidence. My education in life coaching has given me the ability to support my children without interfering which gives them confidence. My son has since started his own business with my support, and my daughter is studying through distance learning as I am, whilst she trains in distance running. She has realised, as I have, that there are many ways to get a quality education, and it doesn’t have to get in the way of other ambitions.’

Distance learning and open learning have changed our lives greatly, and there are many reasons to study this way. I have come to learn that education is not something to be scared of, it is something for everybody, and it is something that you should be able to take at your own pace. Distance learning has done this for us along with show us that education is not just there for those who want to further their job prospects, but it is also there for people to simply gain knowledge in subjects that they are interested in and through this it is impossible to describe the feeling of confidence that is achieved. I had always thought that further education was for those that had to make more money to support themselves and it was just a tool to further their job prospects. It is much more than that and has opened my eyes to a whole new way of life. It is for me, it is for my children, and it is for everyone. Distance learning doesn’t discriminate. It is a gift.

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About The Author Okay. Stop being a child, comprehend it diligently to get exemplary article which could augment your intellectual capabilities. You require to be consistent with this projection to discover more. Emma Jones is from Chelsea London. She studies at Oxford Distance Learning. For more information on Oxford Distance Learning please see http://www.oxforddistancelearning.com/.

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One of my children is a daughter adopted 22 years ago from a little known orphanage in Pune, India. She joined our family at six weeks and became a US citizen before she could speak. Her pre-adoption history — as are so many other adopted children’s — is a maze of facts and fabrications and we will never be able to weave together the complete truth about her origins. Her identity is the one formed as she grew up as part of our American family. She walks and talks with an all American athletic flair. In high school, one of her most memorable moments was to crew at the challenging Head of the Charles — a most all American event. Summers, she earned spending money working as a lifeguard, teacher’s aide, an administrative assistant and a sales person at a local boutique. We taught her the American work ethic that with hard work and perseverance, she had a good chance of achieving her goals. Color was never to be used as an excuse to not do her best.

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When I am with her, talking, cooking, arguing, I only see my daughter and I am colorblind. When I look at photographs of the two of us, I am often stunned at the stark contrast in our looks. It is only then that I see what the world sees. Her luminescent deep bronze skin, large dark eyes and exquisite long dark hair is sharply contrasted with my own green eyes, short blond hair, and pale white complexion. Sometimes it takes me a moment to recognize the two of us and to absorb the visual difference we present.

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Helping her come to grips with her Indian looks in a Caucasian family has taken awareness on her and our family’s part. When she was eight, I took her on a pilgrimage to India. I wanted her to know her heritage and to be proud of it. Young and still unsure of whom she was; she was concerned about how they would know she was American. Without thinking I answered, “By the way you walk.” Not totally trusting my response, (which turned out to be true) she insisted on wearing emblematic blue jeans the entire time we were there.
I worried that those who saw her would think she was not well cared for. I was embarrassed and wanted her to wear a dress. She won, and made sure she flaunted the uniform of her adopted country for all to see.

Now in her third year of college, she recently transferred to a university that is far from home, located in a city that is less cosmopolitan and international than her hometown of Washington, DC. It has a smaller international student body than she is used to, and at least in her eyes, more blue eyed females with long straight blond hair than she is accustomed to going to classes with. She has always been aware of being a minority, but before September 11th, she had experienced few ugly incidents related to her country of origin. If anything, she was developing a comfort level as “an attractive rare bird” valued by those of all skin shades.

Parenting always means walking a fine line between protecting your child and setting him or her free to learn on their own, how to manage life’s downs and ups. After the September 11th attacks, I had to do something that I am sure many parents had to do and no parent in America should ever have to do. Sad and determined, I called my daughter. “Hon, I said, I don’t want to worry you, but I have to tell you something. Times have changed and you need to be careful. I want you to live your life as usual, but stay close to school, go out in groups and think carefully about where you go at night. And, please, when you party or shop, take care and don’t go alone.” She listened quietly. “Mom,” she said. “I didn’t want to worry you, but I was in a Seven-Eleven and some guy got nasty with me. He asked my religion and wanted to know if I was Moslem. It was scary. I was with my friends and we left.” Painful memories of Jews, Japanese, Tutsis, Hispanics, Armenians, Blacks — other racial, ethnic, or religious groups undersiege — flooded my brain. “You did the right thing, I responded. Just use your “street smarts” and you’ll be fine.” I hung up, feeling helpless, angry and heartbroken. The safest, most liberal country in the world was no longer safe. Not for my daughter, not for those of dark complexion, not for anyone who looked Middle Eastern or stereotypically Islamic.

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I believe she will never again be as safe as she once was. I brought her to a free country where color shouldn’t matter. As many ethnic groups know all to well, it does. And, after September 11th, I fear it will matter more. She is my daughter. I love her and my love is colorblind, but not everyone else’s is. September 11th brought ugly unfounded prejudices once again to the fore. In the past, it has been other groups that think, dress, or who look different who became the recipients of hate. This time it is Moslems.

We are a diverse nation. Tolerance is our strength. Each of us has an obligation to be vigilant and to not let ignorance overcome wisdom. Now, it is my turn to worry about my child. Next time it could be yours. My daughter is an American. She shouldn’t ever have had to face discrimination and concern for her safety. Now she does. September 11th has presented us with a new American Tragedy. We cannot let the evil of prejudice prevail.

This column’s for you,

DR. D.

Dorree Lynn, PH.D.

About the Author

Dr. Dorree Lynn is co-founder of the Institute for the Advanced Study of Psychotherapy and a practicing linician in New York and Washington, DC. Dr. Lynn served on the executive board of the American Academy of sychotherapists and she is on the editorial board of their publication, Voices. She is also a regular columnist for the Washington, DC newspaper, The Georgetowner. Dr. Lynn is a noted speaker and well known on the lecture circuit.

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