September 2

# Why Students Struggle with Fractions

One of the most challenging topics in a typical math class is the learning of fractions and their operations. Why does Johnny (Jenny) struggle with the concepts of fractions, decimals, and percentages? I believe that these ideas are not taught effectively in most elementary classrooms. Teachers tend to move quickly through the lessons at this time in elementary school (usually 3rd or 4th grade), and tend to treat fractions as an abstract idea.

When learning to speak, infants are taught to point to an object and repeat the word that the adult speaks. These nouns become the buiding blocks of language, and numbers and counting is done the same way.

Primary grade students learn to count objects in their world, moving on to basic number pattern ideas and labels such as multiples of 5 and 3, and the concepts of odd and even. But these are whole number ideas, and partial numbers (fractions and decimals) tend to be introduced on paper as an abstract idea. In other words, teachers should be repeatedly showing students what a third of something is, or how to cut things up into equal pieces, etc.

I am not saying that this is avoided in elementary school, just that students are not given enough exposure to those ideas. Students should not be doing worksheets where they practice adding fractions with unlike denominators until they can draw pictures of these fractions, or show how to cut them up into equivalent pieces. The concrete learning idea of manipulating objects to show a mathematical idea needs to be embedded into the minds of young learners before they can practice similar math ideas on pencil and paper. This curriculum piece tends to be skipped or rushed in most elementary classrooms.

Students who are not ready to move on to do fraction work (or decimals or percentages) are either unsuccessful the rest of their math careers, or memorize the algorithms and get stuck later in higher level math courses.

Either case requires extra help to survive high school or college math curriculum because the developmental phases in mathematics cannot be avoided. If a student didn’t understand a fundamental concept such as fraction operations, they will not be successful in learning topics that use these ideas, such as solving equations, graphing linear relationships, or manipulating precalculus problems.

So, if you are a parent of a child who struggles in math, take a look at how your son or daughter expresses the ideas of fractions. Ask them to show you what 2 thirds looks like, or what 8.6 means, or to make a model of what percent 8 out of 10 represents. Can they do it?

If not, find a quality online math tutor who can diagnose the developmental phases of what your child has missed in the classroom. A highly skilled, experienced teacher can help fill in those gaps in learning, make it fun, and help your child to once again rediscover their math confidence!

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August 30

# Student Pilot’s Guide To Aviation Headsets

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

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

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

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

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August 28

# 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.

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August 23

# International Student Insurance Now Appeals to Many Young Adults

More Young adults press for health insurance

International insurance sector has evolved a lot and brought many new options for young as well as old people. These options are evaluated regularly by both government and non-government organisations. A new study has been done by the RWJF foundation and established that, the young generation is now getting more conscious. Many of these young adults are seriously thinking about the international student insurance when it comes to seek protection against emergency cases. Even though young students tend to take risks and remain uninsured before, there is now a major shift in their way of thinking. They don’t want to study abroad without insurance coverage as it might prove to be costly at times. The results of this study have shown that demand for international student health insurance is growing fast. The main objective of this study is to check the level of awareness of international students and study their health care arrangement. Nearly about 22% of adult students within 20-29 age group don’t care about health matters and prefer to study in forign lands without any medical coverage plan. However, the rest number of surveyed students have shown interest in helath insurance for international students even without knowing that such plans can be available to them at affordable price.

Newly Reformed Laws for Increased Support to Students

The new version of USA health care law, ObamaCare is passed to resolve many problems with the present health care sector. It is meant to provide quality and affordable medical care to all Americans and non-Americans. It is famous as Affordable Care Act that has been revised so many time to control the cost of health care in USA and give people the best care and satisfaction.

Both college and university students can expect to seethe effect of this reformed law no matter whether they already insured with a student health i plan or not. When it comes to enjoy affordable medical care in the USA or Canada, young students approves ObamaCare as it assures to include strong provisions to curb the profit making private health care practitioners. Medical costs are closely monitored and private clinics are no more promoted. In this way, international student insurance policy holders will help all non-USA students to receive quality care and pay for emergency treatment all the time. However, those who are not insured internationally or are getting coverage through any local insurance programs, they can claim health care compensation in their own county and not in forign countries. A large number of provisions are covered in the ObamaCare bill to make health insurance accessible and affordable to all. Since it is not just the matter of getting coverage but also protecting themselves from any unnecessary emergency cost, young people now want to buy health insurance plans.

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August 22

# College Loan Consolidation – Student loan repayment easier and faster!

College loans often feel that free money is the first time, the collection and if you are in school. This is because you make payments or to have them while working in their chosen profession, but you must remember that the times in which not only their student debt, but it should look for a job at the same time is. It can be stressful for the graduates and their parents, but it does not help.And:.. Means’ use of multiple loans for college, which means that higher interest rates, monthly payments and deadlines begin with the two to reconcile, split it can be so overwhelming that the late payments and quickly buried in problem loans is as the liberation of this situation, the collateral and the ability to repay debt and for the future are ready in time. college loansConsolidation is an alternative to many of the old and new graduates to look for when it comes to finding a way for a student loan to pay, to search. ng>

Or a debt consolidation loan is a type of debt, which is to protect your credit card now for the credit they want and need in the future help. This is accomplished by issuing a loan to pay off other loans to get health care and reduce doneObligations on a monthly basis at the same time. This is a great tool in preparing graduates to live in the real world, and to investigate the possibility of supplementing the century after the process in which they are likely to fall to seek help.

Student Loan Consolidation Rates

Regardless of a student loan consolidation loans can be one of the best decisions in order to find the college loan debt and a loan yetall the wonderful things you do in the course of their lives.

College Loan Consolidation – Student loan repayment easier and faster!

College Loan Consolidation – Student loan repayment easier and faster!

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Related : alternative student loans without cosigner

original: College Loan Consolidation – Student loan repayment easier and faster!

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August 21

# Making Money – College Students – Easy Ways

Its a no brainier that college students need extra money. Going to class, taking notes and studying for tests is what you are spending the big bucks on but there is more to the college experience than these things. It will take extra money and being a wise spender to enjoy the things out of the classroom. Below are some suggestions that will give some ideas on how to have the funds to enjoy the college life and still have time for your studies.

If you have not thought about using the internet to make some extra money, it is time to start. The internet can provide the extra Ka Ching you need. You may not get rich as a student on the internet but you can always have money in you pocket. Who knows it may lead to great income down the road. I personally know a man who graduated from one of the finest universities in the U.S. and got rich on the internet in a area not related to his degree. There is little money or lots of money to be made in cyberspace. It is up to you and you alone.

You will need to sell something or help others sell something. You can do it by creating a simple website or websites and selling you own products and help others sell their products to affiliates programs and advertising programs such as Google adsense. Don’t buy AdWords unless you have deep pockets and you probably don’t or you would not be reading this page. eBay is a great way to pickup some quick cash. Find something to buy very cheap and sell it a reasonable price for the customer.

Some things will bring in way more than you expect, especially if it is vintage tee shirt of some band or star. Check out the good wills, yard sales, etc. They are still out there and owner does not know what they have. They just want it out of their house. When you find something like this and you will if you seek diligently, SHOUT because you are fixing to make some money. These finds are little treasures. It is not hard to get setup on eBay if you are not already. I just play around with it and sell 12 to 16 thousand dollars per year. It is not all profit but it is all money and the money left over feels good in my pocket.

Keep your eyes peeled for junk, curbside, awaiting trash pickup. When Ma tells Pa to clean out his junk from her house that is money in your pocket. Pa doesn’t care, he just wants Ma happy and Ma is not happy with junk in her house.

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August 20

# Medical Training Dolls Education For Medical Students

We already know that dolls are not only for childs play. Today, dolls have evolved from a mere entertainment to a medical training tool to equip medical students to practice on before handling real life situations. Infants and children are one of the most difficult sensitive patients especially in an emergency situation. Most nurses and doctors find it hard to even put in a dextrose needle or a PICC line to a toddler especially when they are afraid. The challenge is always there but familiarizing the task and practicing these skills to a real kid is not an option at all. The safer alternative and the best solution to this issue is the use of medical training dolls.

Medical training dolls vary in purpose and these are anatomically lifelike. It is a medical training device which is designed for gastrostomy training, IV insertion simulation, tracheal tube suctioning, urethral catheter insertion, oral suctioning, needle insertion, colostomy stoma care, and many others. Some of these dolls are elaborately designed in which some have its own implanted gastrostomy device and even a feeding tube. Even the oral cavity of the doll is skillfully designed to open for suction cathether training including its nostrils.

These medical training aides are very helpful to medical practitioners and students to familiarize themselves with some medical processes since practicing these to a real person is not a safe or even an ethical option. These dolls vary in design and purpose. Aside from pediatrics, some doll models are designed with an adult anatomy for a more specific medical training such as a by-pass or a kidney surgery. Most of these medical dolls are categorized according to procedural skills and some does not have a full anatomical model of the human body especially the adult anatomy models.

Nevertheless, some of these dolls are electronic and mechanical which even have its own heart rate to really resemble real human reaction. These are programmed to simulate real life situation just like a medical infant doll that can cry, coo, and even burp. One wise feature is the abuse light indicator which blinks when the infant doll is dropped.

Definitely, this is technology which had been best applied in education and life-saving purposes. The best teacher is always the hands on learning and medical training dolls are the best education aides to prepare medical students, staff, paramedics, and medical practitioners for the worst possible scenarios. Even expecting parents or those who have newborns can choose from several options to familiarize themselves of proper child care.

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August 20

# Student Credit Cards And Cashless Lunch Payments

Students apply for a student credit cards primarily for one purpose to enjoy convenience and ease in their transactions. Today, the concept of quick and easy transactions is now being introduced in schools and colleges in the US through the cashless payment systems.

If youre not familiar with cashless payment systems, you may be surprised that this mode of payment does not involve cash at all. Students do not need to fall in a long anymore just to wait for their turn to pay. With this new payment system, students simply have their fingerprints scanned and check out with their lunches.

This new system uses biometric fingerprint scanners to identify and pull up the students account. Afterwards, the amount of purchase will be automatically debited from the students personal account so theres no need to fumble for cash and wait for a change.

Other schools also use other devices such as credit card readers and bar-code readers just like the ones used in department stores and groceries. As a result, each transaction does not need to take longer than a minute or even just a few seconds.

According to the May 2007 survey conducted by the School Nutrition Association,- a non-profit group that represents 55,000 school lunch providers in the US, about 62% of 1, 200 nutrition directors reported that theyre already implementing the automated lunch payment system in their schools or a variation of the cashless payment system.

In the same survey, 4% said they would be implementing the automated lunch system within the next 12 months and almost 11% said they are planning to convert to the new system. Because of the positive response among school administrations and students, automated lunch payment systems are expected to become a part of the industry.

Automated lunch payments and Students

What are the advantages of using an automated payment system? For one, this new system hopes to decreases cases of theft among students. Since students wont have to bring cash with them, lost-money incidents can be prevented.

Students can also enjoy eating their lunch or relaxing during their lunch break instead of spending precious minutes on the lunch line. The new cashless payment system also encourages parents to go online and check out what their kids are eating for lunch.

By logging in into the students account, a parent can track what his kid bought for lunch, what time he had lunch, and how much the meal cost them. Parents also have the option to transfer funds to their childrens account using through the internet.

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August 17

# Innovative Piano Teacher Resources for More Effective Teaching Strategies

Teaching can be both challenging and rewarding. Not one among millions of music teachers around the globe will say that it has been an easy profession; yet, most of them will acknowledge that it has been a rewarding experience, full of surprises, challenges and joys.

Music teaching, just like teaching all the other subjects, demands sufficient knowledge, skills and experiences as well as ounces of patience, discipline, motivation and creativity. Music educators as well as piano teachers have to acquire enough skill and character to inspire students not just to attend their classes and learn their piano lessons but also adopt and practice their learning into their real lives.

Effective and innovative piano teacher resources are intended for all music teachers out there who want to achieve professional growth and also obtain self-fulfillment from teaching, motivating and inspiring their students in many ways. With that in mind, this post is created to reach out to many music educators particularly piano teachers around the globe to help them in their teaching career as it has become a certified noble profession to all.

Music and piano teachers have to be powerful and creative enough to be in the authority and at the same time, be willing to become a caring, appreciative and loving parent to his/her student. It is a must that he or she is able to attain balance, flexibility, consistency, consideration and freedom as these have been necessary in teaching and molding the minds of learners classified from different ages, environments, customs, cultures, races, and traditions.

Your learners will truly appreciate you as well as your teaching strategies more than they used to if you keep on updating yourself on some helpful and useful piano teacher resources available today. After all, winning your students trust, love and respect is the most rewarding experience teachers can ever have.

Music and piano teachers must have both the creativity and passion in providing their students high-quality education through innovative and effective piano teacher resources, which are necessary in motivating young minds and inculcating values in them making them love music as a whole.

Integrating technology into their piano teacher resources like blogging, browsing and visiting the web, and downloading data and other related software to teaching and learning music can prepare the students explore a more complex and competitive world. Same classroom environment keep them away from boredom, monotony and anxiety. With this innovative and interactive tool, a warm, participative and favorable learning ambience is consistently established and maintained.

However, music and piano teachers should also remember that as this technology brings the learners closer to the real world and exposes them beyond mere learning, this modern and digital world also heightens them to higher risks. With these realities, music teachers must always guide, direct and assist their students accordingly.

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August 14

# Do I Need A Cosigner For A Student Loan

The price of working with college is constantly increasing Each and every year. The amount of college graduates around the globe is the highest it has ever been. This has upped the bar for everyone, as many white-collar jobs and many blue-collar jobs now require a college degree for employment. Because the costs are always heading upward, many people find it tough to pay for school without a private student loan. So what is the best means for locating a private student loan without a cosigner?

If you are wanting for some assistance in paying for college, one can take two routes. There are federal student loan programs and private student loan products. The utilize of private student loans is growing much quicker than the choose of federal loans, and if current trends continue, will surpass the use of federal student loans by 2025. Prior to applying for any type of student loan, it’s critical to do your home-work. The federal programs available are much easier to find, so more time should be spent on compiling a list of private loans. create Sure you concentrate on both local and national private loan banks.

As soon as the list has been compiled, the largest issue with getting a private student loan is many banks and credit unions require the borrower to posses a cosigner. There are a few tricks to obtaining around this clause, and many lenders will permit the loan to go through without a cosigner. The biggest item is the credit score of the individual applying for the private loan. If your credit score is a bit low (below 690), create an effort to boost the score to at least 728 or higher prior to applying for the loan. This will dramatically improve the chances of the private loan going through, and lower the interest paid out.

A second aspect contemplated by a bank or credit union will be the number of the loan requested, and the degree being studied. Certain professions contain higher education expenses than others. In order to remove of a cosigner, many banks will lower the private loan number but might require the student to apply for grants and some federal aid to cover the balance. In addition, the banks will assess the earnings potential of the degree being studied to determine the amount to lend out. Keep in mind, it is their job is to evaluate risk and the borrower’s ability to repay the loan – certain degrees contain a higher earnings potential than other degrees.

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