November 30

What’s Really Happening With CFS Student Loans

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While students figure out the simplest way to fund their studies, they ought to look at a variety of financing solutions. Private loans are used whenever federal loans, grants as well as other types of funding aren’t adequate to pay for the entire expenses associated with education.

Being a market leader within the student loans and consolidation industry, Collegiate Funding has joined up with Chase. This new alliance between Collegiate Funding Services (CSL) along with Chase is certainly turning into a huge success and is today referred to as the Chase Student Loan (CSL).

A CSL is a credit-based private student loan that is accredited through your school’s educational funding office. Your current school definitely will ask you to fill out a Free Federal Student Aid application to evaluate your loan qualifications.

Even though a cosigner is not required to make an application for a private student loan, they will assist you with your approval as well as enabling you to be eligible for a reduced rate of interest. Approximately 30 % of parents have invested in the 529-college-savings program.

The CSL is also used as a private loan, ideal for undergrad and graduate students who want to carry on with their studies. Students ought to initially select federal loans as a result of reduced interests. Having said that, more often than not federal loans aren’t sufficient to pay for food, accommodation costs, textbooks etc.

Chase student loans (CSL) are usually targeted at individuals to lower their repayments. Acquiring a consolidation loan provides you with a single payment amount along with a static interest rate. You’ll also be in a position to obtain this form of assistance using the CSL.

Advantages of the Chase Select Private Student Loan:
oIn-school deferment settlement is available, meaning that no repayments expected whilst you are still in school.
oZero application or settlement costs
oFinancial loans from $500 up to the fee associated with attendance (less some other aid), though not exceeding the amount certified through your own school
oMonies will be paid directly to your school

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November 30

Homeschooling Versus Public Schooling

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When you look at academic achievements only, homeschooled children seem to advance quicker than their counterparts in public schools. A report published by the ERIC (Educational Resources Information Center) shows that homeschool test scores were exceptionally high and well above that of public and private schools. They found that homeschool students in the 8th grade are four years ahead of their peers in public or private schools.

In a study conducted by Dr. Lawrence Rudner, he discovered that learners who were being homeschooled their entire school career, achieved the highest out of all the children.

Interesting information that came from this research was the difference that homeschooling made to the achievements of different race groups. There was very little difference found between the scores of white, black and Hispanic children in homeschooling. On the other hand, there was a significant difference between the achievements of different race groups attending public schools. Eight grade public school learners scored on average at the 58th percentile in math, where black children scored at the 24th percentile. White students scored at the 57th percentile in reading and Hispanic students at only the 28th percentile.

Dr. Ray, in his book, Strengths of Their Own, came to another interesting conclusion. The amount of money spend on tuition had no effect on the achievement of the child. In fact, the cheaper homeschooling option had better results than the far more expensive public schooling. In his research, based on statistics from 1998, he found that a homeschooled child cost parents on average $546 compared to the $5 325 for a public school learner. The average score for the homeschooled child was at the 85th percentile, where the score for the public school learner was averaged at the 50th percentile.

These research studies were done in a number of the states and in all the results the findings were the same. The homeschooled child scored on average 20-25 percentile points higher than their counterparts in public schools.

The research also found that the qualifications of the parent responsible for the schooling had no real affect on the achievement of the student.

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November 30

Facts about the Proper Way to Study

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The Characteristic of a Good Learning Space/p>

Apart from your classroom, there are more spaces that can provide similar studying atmosphere. All you have to do is to make some adjustments to capture the effect. Here are various characteristic that a good learning space should have. Also, you might wish to include a learn more study less review when you are on it.

Neat Space

You can readily imagine how organized your thoughts would be; just look at the room where you’re studying. Apart from acquiring possible diseases, a dirty room may also discourage learning. So clear the clutter in the floor, place the trash and the used clothing in the waste or clothing basket. Your study space should look more like a safe getaway than a busy workplace.

Place Appropriate Lights

Aside from light positioning, the kind of light should also be considered in your learning room. As much as possible, stay away from fluorescent lights, they could cause more eye pain than knowledge gain. A recommended light would be a desk light. It’s bright enough to focus on what you’re reading without leaving you wincing once in a while. You can also use sun light by placing your reading near the window.

A Comfortable Seat

A comfy seat would almost complete a suitable learning space. You don’t have to avail costly ones; just the ones that are enough to hold your weight and give you a comfy erect sitting. Also, steer clear of the ones that are too comfortable to study in. With too comfortable chairs, rather than getting -A’, you might get a -ZzZ.’

Proper Atmoshpere

Once your space is either hot or too cold, it’s really hard to concentrate. Yeah, you’ve experienced this at school when once the air conditioning system failed. Now, you don’t want this to happen. Ask for help from expert if you must.

Add Some Greenery

Some might find this inappropriate, their reason being -adding to the clutter.’ But think about exactly what a well-placed potted plant can provide – a fresh and relaxing thing you can look upon from time to time.

Take into consideration these suggestions and create a space where you can study comfortably – without distraction or bother.

Scott Young has been finding ways to enhance the way we study things. Now, he has formulated a system that will make you learn more without studying for long hours. Get your copy in this learn more study less review page.

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November 30

New Study Highlights Negative Aspects Of Pornography

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

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

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

Other findings of the study include:

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

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

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

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

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

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

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

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

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

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November 30

The Classical Home Schooling Option

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

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

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

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

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

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

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November 30

Study Overseas and Merge Education and Vacation

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A Europe study abroad program is a great and simple way to merge two of the “cations” in your life: education and vacation. Not only can a period of study in Europe enrich your educational experiences and understandings, it can also allow you to experience new cultures, new places, and new parts of the world you may have never seen before.

But, all of the above might not be enough to convince yourself, or more accurately your parents, that a semester abroad or summer school in Europe is worth all the time, money, and hassle of relocating. But, the fact remains that the Europe study abroad programs are well worth the effort.

The benefits of Europe study abroad programs are many. Here is just a sampling:

An Infusion of Variety: No matter where in Europe you choose to go, excitement will surely welcome you with open arms. Europe is filled with restaurants, museums, galleries, shops, and historic sights you may have only dreamt of visiting. A Europe study abroad program gives you the chance to experience all this. It gives you a chance to have the world, or at least part of it, at your fingertips.

A Catalyst to Your Degree: For many students, a semester or summer school in Europe can serve as a catalyst to your degree. If you are majoring in a foreign language, foreign relations, or international studies, for instance, a study abroad Europe program can give you valuable experience and potential connections. If you are majoring in history, art, or architecture, a study abroad Europe program can give you valuable insight, inspiration, and understanding of the birthplace of many movements and events.

An Improvement to Your Resume: While you might not be thinking of jobs as you study abroad, the job market will be waiting for you when graduation happens. Unfortunately, this is not always a good thing: the market, especially at presently, is highly competitive. Thus, your resume needs something to help it stand out. A study abroad experience can help you do this. Studying abroad tells potential employers that you are not a afraid to adapt to new changes, to take chances, and to travel outside of your comfort zone.

A study abroad Europe program is an all win situation for the student involved. Allowing you to have your cake and eat it too, Europe is a wonderful and exciting place to experience, both inside, and outside the classroom.

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November 29

Study in Australia with IDP education

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Ever since our childhood, we all dream of perusing different professions like doctor, engineer, journalism, teaching, management, etc and accordingly we take up appropriate education training that is required in turning our dreams into reality. After school, we wish to attain suitable training wherein we can hone our professional skills and acquire proficient learning such that we are prepared completely to face the practical world and apply our gained knowledge in our desired field of interest. However, with globalization, the education prospects have widened and one can acquire good quality education through experienced faculty that can guide students in facing the current global scenario.

Today, there are several education institutes that promise to impart quality education. With an array of options in India and abroad, it becomes extremely difficult to choose the appropriate institutions where in one can invest their hard earned money in gaining knowledge and expert training. Studying abroad is an advantageous option for ambitious students who wish to attain practical training and broaden their knowledge horizons by interacting with students from varied cultures and traditions.

Of all the places of the world, Australia is a desired destination for students all across the globe who wish to Study in Australia for increasing their knowledge horizons. Australia is one of the best places in the world to live while you learn. Despite offering a high standard of living, the beautiful country of Australia offers an opportunity to learn at competitive costs. All work and no play makes jack a dull boy! While you Study in Australia, you can experience the mystic beauty of this exotic land and also the enriching cultural festivals, concerts and museums, to major sporting events.

The educational institutions in Australia boast of imparting high quality education through assigning practical projects to students who get an opportunity to put on their thinking caps and exercise their grey cells! Whether you study in Melbourne or you study in Sydney, you will come across the best education training through the best team of faculty who will support in your entire learning process. After being a part of the famous Australian Universities, you will receive a quality education that will form a strong foundation for your future success.

Australia is famous all across the globe for offering an array of professional Post Graduate Courses. Several students wish to pursue MBA in Australia. The institutes provide an exceptional learning atmosphere amongst modern and high end infrastructure.

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November 28

Scholarship Applications – The Good, the Bad and the Ugly

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So after four years of busting your butt, staying up late, cramming tons and tons of information you have found out that the hard work you put in has finally paid off. You have tons of college offers pouring through your mailbox and now you wonder what’s next. Like millions of soon to be college students out there you can go ahead and sign up for the numerous private loans available for school and get yourself into thousands of dollars in debt before you even pick up your first college book or you can go the alternative path and sign up for as many scholarships that you can qualify for. Signing up for a school loan is relatively easy and the majority of application process depends on your credit score. Thankfully the scholarships application process works in a much more different fashion.

There are a majority of scholarships applications out there that are based on merit. Meaning your previous grades in high school, your athletic achievements, academic achievements. And in some cases you can qualify for a scholarship based on your ethnicity and family background. I’ll have to admit that some of qualifications you have to go through during the scholarships application process can be very difficult.

But not all scholarships are equal. The amount of free money you can receive from the scholarships can range from $100-$10,000 and in some cases it can be even more than that. Thankfully there are some scholarships out there that hand out upwards of $10,000 and the qualification is based on your ethnicity. You can thank your relatives and grandparents for giving you that edge.

Get a head start on other college students whether you are a mother going back to school after some time or you are a current college student by checking out this free and easy scholarships application at

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November 28

Considerations Before Students Rent Apartments in Berkeley, California

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Students who choose to rent apartments in Berkeley, California have to decide between several housing options in order to find the best living conditions when away from home. Studying at an upper level University for many involves more than just choosing a good school to attend. Each student must weigh their own personal needs in community, privacy, or study options to find a place they can call home for their school year.

Compare Housing Options

Everyone has to start with the type of housing they are looking for. Some students will want to live on campus and others will prefer to live off. There are family units, suites, and apartments, either furnished or unfurnished. Then there are study halls and dining halls to look at. Since each student has its own unique set of needs, it is important to not casually skip this step. Your life at school will be demanding enough and you want to make sure that you are living in as comfortable an environment as possible.

Decide if You Want a Roommate

Choosing a roommate may seem like a fun option in the beginning but if you have never lived away from home before or you are used to a certain lifestyle a roommate can create its own set of challenges. Deciding to have a roommate will require that you weigh certain factors carefully. A year in a college student’s life can be drastically affected if their living conditions are not what they need to be. Ask yourself what kind of personality does your roommate need to have? What kind of compromises will I need to make? Or how much of an influence on my life will I allow my roommate to have? Asking these important questions can help you to decide if a roommate will be a good option for you.

Consider Your Budget

Finally, you want to consider your budget. Most on-campus student housing facilities will allow you to use your student financing to pay for your living accommodations while off-campus may not. Your budget will weigh heavily on your choice of living quarters. You want to make sure that you live in a facility where you will have the least amount of worry.

Making these decisions may require an investment in time and thought, but when you consider these things before choosing your accommodations, you are likely to have a much happier and stress free student year. When you rent apartments in Berkeley, California whether on campus or off, you will find there is something for every type of lifestyle or every specific need; you can find the right match if you think the process through carefully.

For more information on how to rent apartments Berekely CA, please visit our website.

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November 26

Why free education is a must

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In a developing nation like India with over a billion populations, it is important to have facility which provides free education to poor children. Even the economy is growing fast, though sometimes the markets get into bullish mode, but overall its every where declared that India is the future global leader, a thing that makes every Indian feel proud. But if some one cares to look around, then one grows a little skeptic about the development one gets to hear of. You can notice lots of poor people around who are not getting those basic facilities that we usually take for granted. The condition that strikes terror in anyones heart are the poor children of these poor people whose future as well as the present is so dark.

With no financial support or a proper place to live, without the guarantee of three time food, they have to start working at a very early age, when they should have been in some school. Those who are not working or begging for living are left for the day by their parents in the street to fend for themselves. Their parents too dont have an option other than these. Sending to school to receive the primary education is adopted by few parents, but most of them ignore this and put their kids to work some where. Life has not allowed these children to have a choice to choose the way of education. But does that mean those of us who have given the opportunity to help someone turn a blind eye on this problem saying that its not our headache to provide for others who are less fortunate than us. Its the work of the state administration. After all we dream of making this world a better place to live. So, start lending help in achieving that target.

To start with, it would be better if we start concentrating towards providing free education to those who cannot afford it. Setting up education societies would be a very good idea where poor children will be provided with free education and other facilities like medical facilities, sports kits, stationery and clothing kits for free which lead to an all round development of the children.

Whether you are living in India or abroad, your contribution in some good and dedicated charitable organization working for providing free education would bring cheers in the life of lots of little children who would be living a miserable life other wise. Guru Nanak Garib Niwaj Education Society is founded by Baba Amar Singh Ji is working towards this goal.

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