December 17

Student Loan Crises

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We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.

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December 16

Martial Arts Student Learn Self Defense with a Walking Cane

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Black belt students and their families at Personal Mastery Martial Arts learned how to defend themselves using only a cane last Saturday. They learned that some of the best tools for self defense can be items that are used every day, like a cane. Although cane seminars have been taught at Personal Mastery Martial Arts before, this was the first one in several years and all of the students came away from the seminar with more knowledge about self defense, feeling safer and more able to defend themselves.

One participant, Kim McGowan-Jackson said, -The cane seminar this morning was so awesome! Everyone was great and learned some fantastic new skills. The cane is up there as one of my favorite in weapons. Love it!-

Although students at Personal Mastery Martial Arts begin to learn how to use weapons, such as long staff, from the time they are intermediate students in the Tae Kwon Do program, this was the first time for many of these students using an every-day tool for self defense. It was a brand new experience that opened up their eyes to different ways in which they would be able to defend themselves, if the need were to arise.

The seminar was taught by Master Instructor Brett Lechtenberg. Brett is known as -Utah’s Leading Family Safety Expert- and has been teaching personal and family safety for over 20 years. He is also the owner of Personal Mastery Martial Arts. He has taught a large variety of safety and self defense seminars from anti-bullying seminars, to women’s self defense, to defense against home invasion. He often visits other martial arts schools across the country and teaches these self defense concepts and techniques to others as well.

Master Instructor John Nottingham, who owns the USA Martial Arts school in Arizona, said, -We had Master Brett Lechtenberg teach the cane seminar at USA Martial Arts and it was outstanding! Practical, fun, and super easy to learn.-

For more information about martial arts in Sandy check out the website: Sandy Martial Arts

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December 13

Pick a Great Piano Teacher How To Play The Piano

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Are you interested in learning how to play the piano? Is a loved one? Picking a great piano teacher is probably the most important step you can take on your way to successfully learning how to play the piano. A good teacher will have the power to motivate you and to inspire you while a bad teacher will have the power to almost single-handedly destroy any desire you may have ever had to play the piano. Scary? Yes indeed.

Probably the most important part of picking a great piano teacher thats right for you is understanding your own personal goals. What do you want to accomplish? Do you want to be a concert pianist? Are you interested in performing for others? Do you just want to play for yourself? All of these questions are important, and will give you a lot of insight as to the kind of piano teacher youll want for yourself.

Once youve established your goals, analyze them and decide what you might want in a teacher. If youve decided youd like to play and perform for others, a teacher that provides ample performance opportunities and pressures their students to use them is probably just the right teacher for you. On the other hand, if you, like many people want to learn for your own personal enrichment, that kind of pressure probably isnt right for you. If thats you, then start with a teacher who wont make too many demands of you and who wont pressure you to perform too much more than youre comfortable doing. Picking a great piano teacher is often a lot about trying to align your goals with a prospective teachers goals for their students.

Now that you have an idea of the kind of teacher you might want, now youll have to find some teachers to try out! I suggest you contact the president of your local MTNA Chapter and ask for a list of member piano teachers in your area. Also, you can call the head of your local universitys piano department and ask him/her.

Alright, so youve got a list of teachers, pick a few and take some trial lessons. Typically these will be free, and probably will never run you more than $10 for an hour. This is an important step in picking a great piano teacher. Try a few, and decide what you like and what you dont like.

At this point, Ill assume that youve narrowed your list of candidates down to 2 or 3. Ask them if you can visit a student recital soon. This will allow you to evaluate how the other students play and if thats where youd like to be headed.

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December 10

Educational Consultants Assist Students With College Search, Applications And Essays

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The National Association for College Admission Counseling (NACAC) recommends that high school counselors work with no more than 100 students. Most public high school counselors have a student load of at least 350 students. On average, high school counselors spend 38 minutes helping students with the college search, applications, and admissions process.

Educational consultants are not associated with a high school or college. They have the time, training, and expertise to provide individual attention to students with their college search, applications and essays, financial aid and scholarships, and the college admissions process.

Here are five reasons why hiring an educational consultant to work with your high school student might be the best investment you ever made:

1. Educational consultants understand the college admissions process and visit colleges and universities regularly to discover what makes one school different from another. They meet with college admissions officers at each school so they know about the continuous changes that take place on individual campuses.

2. Educational consultants help your student find colleges that are a good fit, not just a big name. They want your student to be successful in the college admissions process and to have a variety of schools from which to choose. They know that students have been bombarded with all kinds of information from schools. After a while, each college begins to look and sound alike. They help families separate the hype from the facts.

3. Educational consultants are able to work successfully with your student because they do not have the emotional investment that parents do. They provide reliable college information and objective advice. They give your family another opinion and try to make the college admissions process as stress-free as possible.

4. Educational consultants know that applying to college and college admissions can be a time for students to discover themselves. Students learn to assess their strengths and weaknesses. They determine what it is they want out of a college experience. This helps them with the college search and encourages students to make better college decisions.

5. Educational consultants assist students with their applications and essays. They brainstorm topics that will enable your student to write the most compelling essays that will strengthen their applications. They encourage students to consider topics that have real meaning for them and will convey their personality to an admissions committee.

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December 6

Solutions Manual-Helping Students Understand Their Different Subject Related Queries

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You can find solutions manual of the math, physics, science and engineering textbooks of most popular college online. It is totally free. On internet step by step interactive solution manual is available. If you have any queries beyond your textbook, there is a Q&A board to ask any question from calculus to Shakespeare. If you need any explanation on a problem in your textbook, Q&A board is is there to help you.

It is very necessary of keeping Q&A board on the internet so students faced any problem regarding their textbook they can place their query before the board. The board can help them in clarifying their problem. In fact it is a true matter that students of the most popular college have their different queries from the text book of physics, math, chemistry, biology or literature etc.

This solution manual displays the latest Mathematical Methods for Physics and Engineering, and much-admired. There are complete worked solutions of main textbook exercises which is only provided with hints and answers. Sometimes solution manual gives the answers to the odd numbered exercises of the text book. The student will find the solutions which is given here and an helpful check on answers and procedures.

solutions manual are the way of meeting the query of the students of popular colleges regarding their text books. It can be of mathematics, physics, chemistry, biology, engineering, Shakespeare, literature, commerce, management etc. It is a great pleasure for the students to get such a benefit online. Because the answers of the questions of each and every exercise will be unique in nature and no chance of difference will be there. For instance different teacher can train their student differently for the same question but when it is obtained from internet the answer will be same and unique.

About The Author

Christopher Ameji has been associated with providing the content on different kinds of solutions manuals for all the US & international textbooks. The author is primarily dedicated to providing the sources that help the students get the answers to their both even & odd problems given in their textbooks.solutions manual

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December 6

How do I find a good music teacher

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If you are inclined to music and you want to learn it, then you would surely know the importance of having a good teacher. Most people spend a considerable time wondering how do I find a good music teacher. A good teacher can kindle the passion that you have for music and mold you to be a good musician. Many factors have to be considered seriously before you look out for a good music teacher. Whether you are looking for vocal lessons or instrumental lessons, it is never easy to find a good teacher.

The challenge that you may face very often is that as this is an unregulated field, you will find many music teachers who are immensely talented but who are very good with music. If you are thinking about how do I find a good music teacher, then it is essential for you to make inquires and find out through your acquaintances. You should rely on experiences that other people have had and make your decision based on their experiences.

The next important thing is to actually listen to the music teacher performing. Find out about any performances and try to attend them. This will help you gauge the level of involvement that the music teacher has with the music. If you were already at the intermediate level of music, then you would be able to see if the music teacher fits with your concept of music and if you will be able to learn what you wanted.

Before selecting anyone, you should also ensure that the idea of music and his or her notion of music match with yours. This is necessary to avoid any clashes in the future. This will also enhance the process of learning because you will be able to better relate the teacher. If you and your teacher have the same concept and notion related to music, then you will see that the classes would be much more enjoyable and you will be able to learn quite a lot apart from the regular lessons. Try to judge the vibes that the teacher gives out during an interaction time and see if you can relate to it and respond to it. A good rapport with the music teacher also is important.

Find out if the logistical factors also suit your convenience, this includes the timings as well as the cost of the lessons. Many people think that these factors can be adjusted later but it is necessary that such factors be sorted out at the earliest. If you are a beginner, a good teacher is essential to give you the correct foundation in music and if you are an advanced learner, then it becomes even more necessary to find a good teacher. We hope that this article has helped you understand how to find a good music teacher and has left you less confused when you think about how do I find a good music teacher.

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December 3

Secure Your Future Of Studying Abroad With Student Insurance Policy

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Investing in a student insurance policy is a great way to make sure you seek access to competent medical care in the hour of need while studying abroad. The number of Indian students enrolling in foreign universities has increased many folds. This has ultimately has led to an increase in the popularity of Student Insurance India policies. As the name suggests, student insurance policy provides coverage against the financial losses for students planning on studying abroad.

If you too wish to chase your dreams by studying at a prestigious foreign university, it is important to look into the variety of options in Student insurance India. Where it is a mandatory requirement for most of the universities, it’s importance cannot be overlooked. The choice of the right student insurance India policy is very important as it makes sure that you can focus on your studies rather than worrying about the financial impact of the uncertainties.

ICICI Student Insurance is a renowned name in Student Insurance India. There are premium plans from ICICI that are best to cater to the needs of different students. ICICI Student insurance covers you for the unexpected medical as well as non-medical expenses. ICICI has partnered with UnitedHealthGroup (a leading US based Health Care provider) to offer its customers with best quality service, when in need.

Some of the features of different plans offered by ICICI Student Insurance can be outlined as follows:

1. Medical Coverage for the insured 2. Dental Treatment 3. Passport Loss or theft 4. Sponsor Protection 5. Personal Liability 6. Personal accident 7. Checked in baggage loss

Based on the features of the different plans offered by ICICI, the premiums may vary from policy to policy. Available for students in the age group 16 to 35 years, there are plans that offer coverage for mental and nervous disorders, in-patient medical expenses, sports injuries,cancer screening,mammograms, and childcare. One of the major benefits of ICICI Student Insurance is their compliance and acceptance by most of the foreign universities as a substitute of their compulsory insurance.

You can now buy your choicest ICICI Student Insurance plan online as well. Take into account online quotes before buying the policy. These quotes facilitate the comparison to help you arrive at the best deals based on the coverage required. You can choose to buy the policy using your credit/debit card or cheque. Bank upon a website that is easy to navigate and offers you a reliable solution for your needs.

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November 30

Clep Testing Has Proven To Be Beneficial For Busy College Students Taking On Multiple Responsibiliti

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Gone are the days were traditional college students are focused only on their education. College students are now forced to take on many more responsibilities, CLEP testing has proved a very useful tool. These additional responsibilities include family, community/religious involvement, work (both full-time and part-time), and multiple extra-curricular activities. CLEP tests have made time management much easier for these time-stretched students. CLEP exams also allow students to lighten their overall coursework, bypass general requirements, save thousands of dollars, and take home a degree much sooner.

One way that CLEP tests are utilized by students are to bypass introductory coursework to gain access to more interesting, advanced classes. CLEP exams are also used to bypass sitting through generic requirements that lie outside a students major. For example, an economics student can pass an American Government CLEP test to bypass their political science requirement. CLEP tests are also used by students nearing graduation to gain credit for introductory classes outside their major in order to reduce their last years course load so that they have more time to focus on graduation, internships, and beginning their post-graduate career.

The standard CLEP test takes only 90 minutes and will cover the information that would be covered in the first two years (introductory years) of college and are only $70. The College Board, who is the governing body of CLEP tests, currently have 34 unique CLEP exams which cover a wide range of topics. As they have continued to expand, CLEP testing centers are offered within driving distance of any college student. In fact, CLEP testing centers are even available on some military bases. Additionally, almost 3,000 colleges and universities accept CLEP scores as a replacement for traditional college classes.

CLEP tests are especially useful for adults who are getting their college education and already have the required knowledge from their work experience. CLEP exams are also widely utilized by students from other countries to gain foreign language credits.

In order to prepare for CLEP tests, students have many options including: comprehensive CLEP study guides, CLEP study software, and even CLEP online study services. There are even CD’s, DVD’s, and textbooks dedicated to helping a student to excel in their CLEP exams.

Before any student actually takes a CLEP test, it is important to have a conversation with their advisor. Many universities and colleges have different rules about course each CLEP test can replace as well as what CLEP tests are accepted, if any, by the institution. Academic advisors also will be able to assist the student with which CLEP study materials will be most effective for each student.

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November 20

Waterloo Students Rentals Questions Landlords Can And Cannot Ask

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Most students are unclear as to the information landlords can request from students during the housing application process. As a result, many students are taken advantage of and their applications for Waterloo student rentals are judged based on information they did not have to provide. Student focused property management companies are an effective option to avoid this situation. They always act professionally and never ask inappropriate questions. They are solely interested in finding each and every student off campus housing that meets their specific requirements.

However, if you have decided to attempt to find Waterloo student rentals on your own, the following is a list of questions that landlords can and cannot ask when you apply for student housing:

Questions landlords can ask

Landlords have the right to ask students for the following information during the screening process:

Questions about your current income and place of work

The number tenants that will be occupying the property. They can also request their names and contact information.

For references from past landlords. They can also ask for other references and their contact information.

For permission to conduct a credit check

If you have pets or are a smoker

Any other questions that will help them effectively assess you as a potential tenant. However, questions cannot infringe upon your rights as identified by law.

In terms of fees, landlords can request:

oFirst and last months rent

oKey deposits

What Landlords cannot ask

Landlords do not have the right to ask potential student tenants about the following information when applying for Waterloo student rentals:

For your social insurance number

For a deposit to cover any damage that may occur

Personal questions related to:

o Your status (i.e. married, single, etc.)
oIf you plan to have children
oYour age
oYour ethnic background or religion
oYour sexual preference
oYour legal status in the country

Any other questions that infringe on your rights as an individual.

If you believe your landlord is violating the law or infringing on your rights you have options. You can refer to the Ontario Residential Tenancy Act to determine if your rights as a tenant are indeed being violated. Another option is to contact the off campus housing unit at your school. They will be able to help you with any issues you have with your landlord. If any situation with your landlord does not sit well with you, dont be silent and allow yourself to be taken advantage of.

To avoid these potential issues, students attending school in the Waterloo area are now enlisting the services of student focused property management companies. Not only will students avoid having to deal one on one with landlords, using a professional company ensures students find suitable Waterloo student rentals. Student focused property management companies never ask inappropriate questions, understand the needs and requirements of student living, and have built their business around ensuring students find the best off campus housing option for their situation.

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November 20

College Math Professor + Technology Skills = Better Student Performance

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If you are a college math professor, you know how difficult it can be to relay concepts to students. Some college students struggle to understand, no matter how hard they try. Others do not try at all, maybe because they are scared or maybe because they just do not care. Both groups can benefit from integration of technology but this may not be possible in the classroom. Instead, a math professor can use the online world to create this new learning environment.

College students study during all hours of the day and night. They will love a 24-hour online math chat room designed just for them. A professor can set this up and invite students to join, using online marketing to spread the word to other colleges and universities. Establishing a separate chat room for each mathematical discipline (geometry, calculus, etc.) ensures that discussions remain relevant.

When students have a question, they can log into the chat room and post it. Student tutors, graduate student teachers, and professors can take turns serving as subject matter experts. By incorporating professors from the eastern, central, and western U.S., most shifts will be covered. During a time when an expert is not available, students can bounce questions off of each other or refer to a knowledge database resource linked to the chat room.

These days, students access the Internet in ways other than just through a computer or laptop. They use smartphones, tablet computers, and other devices to get online from wherever they are. Making the chat room accessible to mobile devices expands its usability. This way, even when students are on the bus traveling to a school basketball game, they can log on and get answers that will make their homework easier.

To enhance the functionality of the chat room, an app can be built that incorporates formulas. Students can plug in the parameters of a problem and the app will help them find the answer. In addition to displaying the result, the app can explain the steps taken to arrive at the answer, providing students with a mini-lesson.

Once the framework of this technology has been established, the founding professor should market the chat room and app to students throughout the world. By using online marketing techniques like link exchanges, blog posts, and article writing, the site becomes more visible. Colleges will soon be buzzing about the great new tools that help math students improve in the classroom.

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