• November 22, 2017 /  Teacher & Students
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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

  • November 20, 2017 /  Teacher & Students
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    Cospedal The Government has invested 207,000 euros in the two workshops Cabanillas, for 20 students with six months of training

    Spain, May 14, 2013 – The Minister of Employment and the Economy of the Government of Castilla-La Mancha, Carmen Home, said that employment workshops and entrepreneurship that has launched the Government chaired by Mara Dolores Cospedal “are a gateway to the labor market from the point of view serve to self-employment and entrepreneurship consolidate all students. ”

    This was said by the Minister during a visit to the town guadalajarea Cabanillas del Campo, where he met workshops Sustainable Rural Development Promotion developed there: Farming and Community Services in Cabanillas.

    The workshops have a regional government financial aid of 207,000 euros, are targeted at 20 students and made part of a project manager and a teacher, to “get all the knowledge they are acquiring during collective training can materialize in the implementation of profitable business, with which contribute to the development of Castilla-La Mancha in general and Cabanillas del Campo and the region in particular. ”

    Home stated that “after the six month duration of the courses, students will receive a professional certificate, with which they can ensure they are fully qualified to carry out their activities, or to start directly into employment as self-employed.”

    Casero, accompanied by the Mayor of Cabanillas del Campo, Jaime Celada, the president of the Provincial Council of Guadalajara, Ana Guarino, and the regional government delegate in Guadalajara, Jos Luis County, has predicted that “the works of Inditex’s logistics center will his lungs. We hope that will be completed in early 2014 and, surely, help to generate around 500 jobs, thanks to the investment of 150 million euros that the multinational will take place in this county, “said.

    In this regard, the Minister of Employment and the Economy has stated that “the hub of top international help has also many other companies that decide to settle around the multinational to boost the industrial sector across the province”

    Finally, Home has reiterated that “to-day work as firmly the first time to ensure that each day there are more entrepreneurs that are committed to Castilla-La Mancha and, certainly, in that way will the Government as an ally Cospedal “.

    Press Contact: Consejeria de Empleo y Economia Media Relations Consejeria de Empleo y Economia Address: Avda Ireland No 14 512-212-1139

  • November 17, 2017 /  Teacher & Students
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    Private financial companies including banks or other specialized educational money lenders provide private student loans for students. It is one of the different types of loans available for the students to continue their higher education when they do not have the money to do so.

    Private student loans have all the features of various government loans, and can be the best choice for those in search of educational finance. They have higher loan limits with attractive interest rates. Similar to the federal loans, they also have a grace period and students do not need to start repaying them prior to the completion of studies.

    The grace periods of the loans vary from company to company and can be from six months to 12 months. Even though private student loans offer lower interest rates, they can be a little higher than the government loan interest rates, but much lower than other private loans. Unlike government loans, there are overhead charges often called origination fees, which are applicable at the time of the loan processing.

    Private student loans are based on the credit history of the applicant or of the co-signer. This type of loan is utilized by students who are not able to pay for their educations without a loan but cannot apply for federal loans due to the possession of assets beyond the qualifying limit or due to higher income of the family.

    Private student loans are looked as an alternative to federal student loans for parents, known as PLUS (Parent Loans for Undergraduate Students) loan. Private student loans need not be paid back until graduation, whereas the repayment of PLUS loan starts soon after the procedures. Many international students can also acquire these private loans with the help of a co-signer. The loan amount is paid directly to the school by the lender and the remaining money is given to the student for living expenses. Due to a lower interest rate, these loans are widely used by students. Today, many companies also offer online private student loans.

  • November 17, 2017 /  Teacher & Students
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    Getting a federal loan is a very good thing; anyone would agree with that. However, the most common misconception is that “the loan is given by the government directly to the students, and after they have graduated, they do not need to pay” This may sound misleading, but in fact it is what many people believe is the way it works.

    A federal loan is usually given through an institution, usually a common financial institution that the students know of. This loan can be divided into two different forms; the subsidized and unsubsidized student loan. So how does an unsubsidized loan differ from a subsidized one? Technically, the subsidized student loan and unsubsidized student loan do not differ much in nature.

    Similarities

    Firstly, both the subsidized and unsubsidized student loan is equally guaranteed by the US Department of Education. This can be either directly or through certain guarantee agencies. All students are equally eligible to receive both the loan types, although certain distinction may apply to determine the subsidization. But there is no distinction of credit scores or other financial issues, except for the factor of family income.

    Secondly, both the subsidized and unsubsidized student loan offers a grace period of six months. This is a common grace period given by almost all kinds of student loans. This would mean that the student does not need to pay until six months after his graduation. Another alternative would be three months after the student becomes a less-than-full-time student without graduating, meaning that even before one complete his studies, he starts working part-time. Both the loan types offer the same amount of loan limit.

    Differences

    The difference lies in the interest. For the subsidized student loan, the government pledges to pay the interest to the moneylender while the student is studying. For the unsubsidized student loan, the student pays his own, although it varies according to his financial capacity almost every year. For example, if the student borrows $2600 a year, for unsubsidized student loan repayment, he has to pay back $2600 plus interest. For a subsidized one, he only pays the $2600.

    Although the difference is only in the interest, it is a significant difference as it can make or break your monthly budget especially if you are just out of college and looking for a decent job. Therefore, wherever and whenever possible, try to secure a subsidized loan; it will make a huge difference when repayment time arrives.

  • November 15, 2017 /  Teacher & Students
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    Yoga Certification programs conducted in European countries have gained a momentum in the last decade. As increasing number of people are now heading to Yoga for numerous health benefits the demands of certified Yoga instructors is growing tremendously.

    Yoga is a traditional form of exercise that includes certain postures and movements. Two most important advantages of practicing Yoga are prevention of disorders and ailments and maintenance of health and fitness in daily life. Other methods of exercises like gymnastics, athletics, aerobics, games, and various other forms are not as good as Yoga when it comes to the results. Due to all these reasons more and more people are referring to Yoga for treating ailments and living a healthier life. Especially in the western countries, an increasing number of people are joining Yoga classes for achieving healthier mind and body.

    The Yoga Teacher Certification programs conducted at numerous camps are in huge demand across the country. Owing to the increasing demand of certified Yoga teachers and the bright career prospects, Yoga Instructor Certification programs are attended by numerous individuals wanting to learn and teach Yoga. Those who have completed Yoga Teacher Training program can setup a successful career by teaching Yoga to the people. Another advantage of working as a certified Yoga instruction is that while teaching Yoga to the students, one also practices all the postures and stretches himself/herself. Thus you can maintain a healthy lifestyle for yourself while sharing the benefits of Yoga with others and earning money in the process.

    After attending a certified Yoga Teacher Training program you can start your career as a Yoga teacher. All you need to do is rent a studio, inform people about your yoga classes by advertising, and start taking classes. If you can’t find a place to rent, you can approach the high profile clients, who prefer to take classes at their own place. This way you can also save the investment that is required to rent a studio and continue teaching Yoga without actually investing a penny from your pockets. There are several such high-end clients who would love to learn Yoga from someone with Yoga Instructor Certification. You can approach your friends and family to refer you name to their colleagues and friends and kick-start you career.

    If this article has inspired you and you have decided to join a Yoga Certification program from a reliable and genuine source then you can refer to healthandyoga.com. The website is a complete Yoga information Bank that also conducts Yoga Teacher Certification programs. Besides this, it also offers holiday packages in Yoga retreats, and provides Yoga products like neti pot, mala beads and enema equipment, etc.

  • November 14, 2017 /  Teacher & Students
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    Most people get through with education with the help of loans especially when looking to get further education, say like at the university level. In the long run, it could prove to be difficult to pay up the student loan offered to you. When faced with such a situation, it is common for most people to seek bankruptcy claim as a way of shielding themselves from the possible outcomes.

    However, it is important to know that student loans are not dischargeable even in the cases of bankruptcy. Student loans with government backing or nonprofit organizations backing have to be paid back in full whether you are in a position to do so or not. This therefore rules out a bankruptcy claim as a solution to your student loan problems.

    The only way you can have your claim accepted is if you are in a position to prove extreme difficulty in paying up the loan which is hard to do. To do so, you might be required to prove that you are unable to keep up with the set payment schedule for your loan, that in future you have no hope of paying up the loan meaning that the current financial situation is definitely permanent. You also have to prove that you have done your best in trying to pay up but have failed.

    Proving the above is what proves to be difficult for most people, therefore making it irrelevant to even try out a bankruptcy case on your student loan. It is virtually impossible to prove that your current financial position is permanent since even though you could be unemployed, it does not necessarily mean that you will not find great opportunities in the future. This makes it better for you to forget the possibility of having a bankruptcy claim work to your advantage since it is certain that it will not.

    To get your student loan discharged, you can turn to other available solutions that could be of help in your situation. There are credit agencies that specialize in advising people faced with bankruptcy on the various options available for them to get off their financial woes. It is likely that you will find something that will work to your advantage in the counseling session bringing you relief.

    Bankruptcy claim is a relatively simple process which can be done professionally with the help of experts in the field.Cost of bankruptcy law may vary from one state to another.For more information about personal bankruptcy lawyer visit .

  • November 7, 2017 /  Teacher & Students
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    In this economy, it is not always easy for middle school students to find a way to pay for their annual field trip. Most middle school students try to finance their educational outings with bake sales and magazine subscriptions, supplemented by donations from the parent-teacher organization and a healthy contribution from parents. Students and faculty at Port Charlotte Middle School, though, decided they needed to find another way. They began holding an annual garage sale every January – though to be accurate, it is really a cafeteria and multipurpose room sale.

    This year’s garage sale was held on Saturday, January 30, from 8 a.m. to 1 p.m. at the middle school, and between 300 and 400 people attended. The sale garnered $2500 for the 7th grade field trip, according to geography teacher Barbara Davis.

    This year, the annual 7th grade field trip will be to Epcot Center. Any leftover funds will be used to help pay for other 7th grade activities.

    “Many students can’t afford a class trip to Epcot Center,” says Roby Love, one of the garage sale’s biggest supporters. Love is the site manager for the Harborview Road Extra Space facility. Extra Space donates to the garage sale every year, donating a large self-storage unit to hold all the donations.

    “We could not do it without Extra Space Storage,” said Davis. “The local staff is extremely helpful – they go out of their way to help.”

    Extra Space also collects donations from its tenants at its monthly auction/lien sale (at a lien sale, people buy the contents of abandoned units sight unseen, and sometimes end up with items that they do not want or need). Last year, Love says, Extra Space filled the donated unit with donations and then had to donate another unit to hold the rest. This year, the unit filled up in two weeks, she says, laughing, “and the school asked that we not collect any more!” Last year, the school raised about $3000 from the Extra Space donations.

    Holly covers the storage industry and has recently been examining self storage in Port Charlotte.

  • November 5, 2017 /  Teacher & Students
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    Medical students who are intellectually gifted and talented often perform individual tasks at a very high level. These students display exceptional memories and learn at a rapid pace. They are knowledgeable about things which their colleagues may not have even heard of yet. But in the USMLE world, a gifted student may also exhibit extreme anxiety more than the average medical student. Here are some truths about giftedness which will further explain why no medical student should deny themselves the opportunity to participate in an adequate USMLE review:

    1. Gifted students are often perfectionists and idealistic. They may equate achievement and grades with self-esteem and self-worth, which sometimes leads to fear of failure and interferes with achievement.

    2. Medical students who are gifted may experience heightened sensitivity to their own expectations and those of others resulting in guilt over achievements or grades perceived to be low.

    3. Most of the gifted students are asynchronous. Their chronological age, social, physical, emotional and intellectual development may be at different levels.

    4. Some gifted students are “mappers” or sequential learners while others are “leapers” or spatial learners. Leapers may not know how they got a right answer. Mappers may get lost in the steps leading to the right answer.

    5. Gifted students may be so far ahead of their colleagues or classmates that they know more than half of the lesson before the school year begins. Their boredom can result in low achievement and grades.

    6. Gifted people are problem solvers. They benefit from working on open-ended, interdisciplinary problems.

    7. Gifted individuals often think abstractly and with such complexity that they may need help with concrete study and test-taking skills. In the USMLE world, they may not be able to select one answer in a multiple choice question because they see how all the answers might be correct.

    8. Gifted individuals who do well in school may define success in getting an “A” and failure as any grade other than “A.” Thus, in their USMLE review sessions or a practice test any result that is not a “perfect” result and does not make them feel they are at the top of their class, may make them feel frustrated.

    Thus medical students who are gifted and talented need opportunities to work hard on challenging learning tasks. Participating with fellow students in a rigorous USMLE review is an opportunity for talented student both to learn and to be understood by their colleagues. In fact the most gifted students may benefit from such reviews as much as, if not more, than the “average” or “below-average” student.

  • November 2, 2017 /  Teacher & Students
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    According to statistics compiled by the U.S. Department of Education, two-thirds of college students today leave their alma mater with debt from student loans, and the average student loan debt amount among these graduates is a startling $23,186.

    These student debt numbers go hand in hand with reports from the College Board that four-year public colleges and universities now charge, on average, about $7,600 in annual tuition and fees to in-state undergraduate students and nearly $12,000 a year to out-of-state students. Private non-profit four-year colleges and universities average more than twice that, costing students about $27,300 a year in tuition and fees.

    With the average tuition cost of a four-year degree running between $36,000 and $108,000 — and thats without counting non-tuition college costs like room and board, textbooks, transportation, and living expenses — its easy to understand why student loans have become such a common piece of a students financial aid package.

    An increasing number of students who graduate with college loans, however, are finding it difficult to repay their student loan debt. Department of Education statistics show that nationally, about 7 percent of borrowers who entered repayment on their federal education loans in 2008 defaulted within the first year of repayment, and nearly 14 percent have defaulted within three years. (2008 is the last full year for which student loan default statistics are available.)

    As consumer and student advocacy groups like The Project on Student Debt and the Institute for College Access & Success call attention to the spreading problem of ballooning student loan debt, spiking default rates, and the growing number of recent graduates who find themselves in need of debt help, some students are looking for ways to pay for college without taking on debt from school loans.

    Graduating from college debt-free is certainly possible, but it can require some careful planning, creative financing, and potentially some adjustments in your college plans.

    1) Pay as You Go If your school offers tuition payment plans, consider eschewing student loans in favor of a “pay-as-you-go” model. By taking advantage of a school payment plan, you can pay for college in smaller installments, rather than as one big chunk all at once.

    Many colleges and universities now offer monthly payment plans that allow you to spread out the cost of your tuition and fees over the course of the semester and pay for your college costs in monthly installments. You may be charged a small one-time or monthly fee when you opt for a tuition payment plan, but once youve earned your degree, youll be able to leave school with no student loan debt.

    2) Scholarships & Grants Spend some time each month searching for college scholarships and grants. There are several online scholarship search engines that allow you to search databases of awards for free. Scholarships and grants provide “free money” for college that, unlike student loans, you wont need to pay back.

  • October 23, 2017 /  Teacher & Students
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    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.