• June 19, 2021 /  Education Share

    Homeschooling, as an effective educational program, has undergone numerous debates. In fact, opinions are equally divided between the pros and the cons. Homeschooling, indeed, offers benefits for the child but like many things, there are also some downsides to implementing the program. It is therefore best to know the pros and cons before you get your kid into the program. It is up to the parents to sift through the positives and the negatives of homeschooling.

    Pros

    Flexible structure

    One of the things that puts homeschooling in stellar position is the fact that it is highly flexible and dynamic. Unlike traditional curriculum which is fixed, the homeschooling system allows changes, in fact it encourages them.

    Tailor-fit to the child

    Because of the fluid structure of homeschooling programs, the lessons can be tailor-fitted to the child’s capability, pace and learning style. There is no pressure to keep up with the lesson of the day and students can start or finish their lessons any time of the day.

    More practical learning activities

    Homescholing is an unstructured educational program, which allows for more freedom in terms of learning activities. Parents can actually decide on what to do to better teach the subject. This means that there can be more unstructured learning exercises such as visits to zoos or museums.

    Cons

    Lacking in social interaction

    One of the downsides of homeschooling program is the fact that it lacks the social component, which teaches the child to interact with other people. This is especially needed during the stage when the social and communication skills of children are just developing. To supplement the absence of this component, some parents organize social activities for their children.

    Time constraints

    Although time is rarely a factor in homeschooling because of the lack of a structure, it only applies to the children. It will be time consuming for the parents, some of which have to leave their work to go full time in teaching their children. Remember that you have to be with your homeschooling child all through out his or her lesson. In addition, a lot of time need to be given to correcting worksheets and making visuals.

    Money problems

    Although there is actually no tuition fee for a homeschooling program, the money problems come in when one of the marriage partner has to leave work to teach the child. Remember that homeschooling can take so much time. For parents who both have careers, sacrificing one source of income can be pretty hard for the whole family.

  • June 19, 2021 /  Education Share

    Paying for college can be a genuine hassle especially when you graduated from the school nearly a decade ago. Many graduates think that the six months they have before the required scheduled repayment of their various college debts is always an eternity. The six months is nothing as compared to the years of payments ahead of you, so many people opt in to consolidate student loans. A consolidation of student loans can make the monthly less painful.

    I used to have three separate student loan bills. Two were for my undergraduate studies (which I have decided I actually could hardly afford) and one was for graduate school (which I definitely could not afford). Paying all three bills in a timely manner was a real headache for me.

    A part of the issue lies in the basic fact that I have trouble remembering to complete tasks that I really do not want to complete. There has to be some kind of subconscious factor going on here that I haven’t come to terms with as of yet. The best solution for me was to find out the best way to consolidate student loans.

    The process of selecting a lender that will accommodate your needs is no problem at all. In fact, many of these lenders come to you. A consolidation of student debts has helped me keep track of my account much easier and it afforded me a few extra dollars every month. Actually, I save about 150 bucks each month through the debt consolidation.

    This extra cash is terrific but I also like to put a little more on the principal every month. This is a great way to knock down the principal swifter and avoid paying too much interest. I find that the smaller monthly payments I got through consolidate student loans helps me make an additional payment here and there. This makes a lot of difference.

    Another benefit of picking a consolidation of student loans is the interest rate itself. Even though you are refinancing the financial debt you will still get a really good rate of interest regardless of what your credit rating is like. This is a significant advantage for anyone who would like a consolidation of student loans without the fear of hiking rates of interest.

    I chose to take this route nearly two years ago and I definitely made the proper decision. I have smaller payments as well as the promise of paying off the whole debt in less time than I thought I would. The consolidation of student loans is an excellent way to gain control of this monster of a debt.

    Learn more about how you can can consolidate student loans effectively and without spending a ton of money out of pocket by visiting us at

  • June 19, 2021 /  Education Share

    Government grants and scholarships have increased in popularity over the past little while, mostly due to the Presidents Mothers Going Back to School program. Scholarships for single moms make it possible for a mother to spend this time with the children.

    Single parents are awarded the amount of tuition, books and dorm for two years until they finish their graduate program.am.

    College scholarships for women are not only easy to get but they are 100% realistic. For this reason, almost every single mother will qualify for a grant or scholarship.

    Children need time with their mothers to gain the proper guidance, security, discipline, and love that only a mother can provide. Click Here For Free Information On How to apply for Scholarships For Single Mothers

    If you receive a Pell grant, it is renewable each year, with built-in increases to cover the rising cost of tuition.

    College scholarships for single mothers help them get back to colleges and learn lifelong skills to better their future.

    You can find various scholarships, grants, and other financial aid for mothers programs on this website below:

    Besides this particular scholarship, there is also the Federal Pell Grant (which targets low-income Americans), as well as other independent scholarships. Government scholarships for single mothers and aid are usually targeted towards young women who are smart, driven, and simply keen on expanding their horizons, especially because of their growing family. Scholarships for single mothers are receiving lots of attention these days. Funding is generally limited to a certain period or amount to be dispersed. Single mothers who want to continue their college education also face the financial burden of childcare, books tuition fees and other expenses. Childcare can cost close to a third of a woman’s pay per week with just a single child. Most programs are frequently advertised and additional information can be found directly from each university or college. These can pay for housing, books, tuition and many expenses related to college. Source:
    The opportunity to get a better job or career advancement through education is one of the best ways to receive long term help in finances. Scholarships For Single Mothers

    Scholarships for single mothers are the answer to this dilemma.

    Grants for single mothers could be your ticket to a brighter future for you and your children.

    Linda Harris is a finacial aid administrator for a major university and has in-depth knowledge of the process. Its recommended you start here : Scholarships For Single Mothers

  • June 19, 2021 /  Education Share

    Ever since Credit 911 confirmed that we could settle unsubsidized student loans, we have spent quite a bit of time explaining what the difference between the two types of loans are.

    In short, subsidized student loans are when the Federal Government paid the interest on those loans while the individual was attending school. The Federal Perkins Loans are an example of a subsidized student loan. The interest rate is locked at 5% and the Federal Government pays the interest while the student attends school, there is a 9 month grace period following graduation, and an additional grace period during deferments.

    Perkins loans, however, are limited in dollars to those students who show the greatest need.

    Most students then turn to the Stafford Loan program for additional funding, these loans fall into our two famous categories Subsidized and Unsubsidized. Again, the subsidized Stafford Loan is based on need, while the unsubsidized Stafford Loan is not.

    Most Stafford Loans interest rates range from 4% to 6% depending on what year the student took out the loan. As an example loans taken in 2009/2010 were fixed at 5.6 percent while loans this year are expected to be 4.5%. For the subsidized Stafford the government pays all that interest during your education plus the 9 months discussed above. Additionally, students receiving subsidized loans must be minimally enrolled as a half time college student to remain eligible for the funding.

    Those that did not qualify for subsidized loans AND those that needed more money would move on to unsubsidized Stafford Loans. Neither subsidized nor unsubsidized loans obtained through financial aid require a credit check, no collateral was needed, what was most important is that you were somehow able to fill out the very complicated Free Application for Federal Student Aid, more commonly referred to as the FAFSA.

    The FAFSA is know for being long and complicated, but the good news is that if you happened to fill this out and you werent in terrible financial shape at the time you probably have a mix of subsidized and unsubsidized loans or all of your loans are unsubsidized.

    That should provide you with a basic understanding of the difference and borrowing guidelines between subsidized and unsubsidized student loans. However, for those of you who wish to know a little more about the “education maze” please visit us at www.credit911online.com/blog

  • June 19, 2021 /  Education Share

    Black Belt students at Personal Mastery Martial Arts in Sandy, Utah had a very unique experience this weekend when Master Will Mallmann visited their martial arts school and introduced them to Capoeira, a martial art that is often referred to as -Brazilian Dance Fighting.- Although students at Personal Mastery Martial Arts have a lot of experience in Taekwondo, Hapkido, and other martial arts forms, for most of the students this was their first time learning about or seeing Capoeira demonstrated.

    Master Will Mallmann taught a seminar for the black belt students where he not only demonstrated Capoeira, but also taught some of the basic movements and tricks. Participants in the seminar learned many things from the basic movement of the ginga, one of the most fundamental movements of Capoeira, to handstands and headstand cartwheels.

    Capoeira is a martial arts form that combines dancing, acrobatics, and martial arts techniques. Unlike many other martial arts, in Capoeira music is an essential element. When Capoeira is performed it is always performed to music and those watching help to keep the tempo by clapping in time with the music. The Capoeira performer matches their performance to the tempo of the music.

    For many of the participants at the Capoeira seminar, the performance at the end was their favorite part. All of the students stood in a circle and took turns going in and demonstrating their new-found Capoeira skills in time with the music. Everyone clapped and helped the performer stay with the tempo of the music, often calling out encouragement. The game quickly turned competitive.

    One participant, Kim McGowan-Jackson said, -The Capoeira seminar was so fun tonight! Thank you to Master Will Mallmann who has beyond awesome skills. Everyone did such a fantastic job. I think this is the beginning of a super fun Martial Arts weekend. I got to be a Brazilian fighter tonight!-

    Personal Mastery Martial Arts often invites visiting instructors to the school to teach their students about different kinds of martial arts and self defense systems. So while Master Will Mallmann was the not the first visiting instructor to visit the school, the students loved having him visit and teach them new things, and they look forward to his next visit.

    For more information about martial arts in Sandy check out the website: www.sandymartialarts.com