• November 25, 2017 /  Teacher & Students
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    An ACS student loan is a loan that is serviced by the Affiliated Computer Services, Inc. It is a company known for outsourcing technology and business solutions. Universities across the country use the ACS student loan services because of the company’s reputation for using technology to effectively handle some of the more difficult aspects of loan services.

    ACS student loans allow students to make payments online, instantly be able to see the status of an account, make changes to personal details such as name and address, and also to be able to receive email notifications when a payment has been processed.

    Many different programs for financial aid fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services. ACS also has the ability to handle many other groups of educational loans donated by a variety of private companies.

    For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online.

    If you are the holder of an ACS student loan already, you may be interested in knowing about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount.

    Some other tools that can help you with your ACS student loan are a repayment calculator, guidelines from the IRS about how to use your student loans for tax relief, and a glossary of important student loan-related terms.

    All in all, an ACS student loan is one that will give the borrower plenty of ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look.

  • November 23, 2017 /  Teacher & Students
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    One morning earlier this month, two vehicles struck a 13-year-old Orange County boy as he walked to school. The pedestrian accident occurred at some time around 7:30 a.m. in the 18900 block of Spring Street near Santiago Middle School, the school in which the boy attended. A westbound Toyota 4Runner struck the boy first, the impact throwing him into opposite lanes of traffic. An eastbound Land Rover Discovery was the second vehicle to strike the boy.

    “He suffered moderate injuries and was taken to a nearby hospital”, explains Jim Ballidis, a California injury attorney.

    Unfortunately, accidents that occur around schools are all too common. Hurried drivers, bicyclists, skateboarders, and pedestrians can be a dangerous combination. Moreover, the activities students engage in while at school can be dangerous without proper instruction and supervision.

    Between 10% and 25% of the more than 14 million unintentional injuries to children each year happen on school premises. That’s not too surprising since more than 53 million children in America spend almost a quarter of their waking hours on school property.

    Recently a verdict here in Orange County Superior Court documented the clash between the Huntington Beach City School District and the Camm family. The suit claimed that Samuel Camm had cut off his thumb while using the school’s band saw in his woodshop class. Additionally, there were reports that the saw was “defective and dangerous.” The school settled privately and the undisclosed settlement will pay for the various surgeries and accrued medical bills.

    Last November, 15-year-old North High School student Zachary Kimura and his parents, David and Wanda, filed a negligence claim against the Torrance Unified School District after he suffered first- and second-degree burns on his face, neck, arms, and hands during an accident in one of the classrooms.

    On Friday, October 22, students and staff members were cooking Korean barbeque on three butane stoves when one of the stoves malfunctioned, igniting into a fireball 6 feet wide and 12 feet high, reported the Daily Breeze. Kimura, who had purchased a plate of food and was waiting in line, and several other students were injured by the blast. His claim alleges that the school district neglected to take precautions to protect the students, to provide proper supervision, and to obtain permits to use the stoves in the classroom.

    Due to the relatively high risk students have of suffering injuries, the Centers for Disease Control and Prevention, CDC, has created a new school health brochure. School staff and students will find safety tips and guidelines for preventing unintentional injuries in the 2010 National Health Objectives.

    A free, downloadable version of the brochure can be found at the CDC’s website

  • November 22, 2017 /  Teacher & Students
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    Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.

    Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.

    For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.

    It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).

    There are important differences between federal and private student loan consolidation.

    First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.

    Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.

    As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.

    With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.

  • 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 21, 2017 /  Home Schooling
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    Homeschooling can be very confusing when it comes to knowing the laws. Make yourself aware of the laws in your area for a better and easier experience.

    When choosing to begin homeschooling or homeschooling in various states, be sure to become familiar with the homeschooling laws of the state you’re in.

    Even if you’re in a state for a short period of time and legally reside in another, you are still subject to the laws of the state that you’re currently in.

    Although homeschooling is legal in all 50 states, there are different forms of homeschooling regulations in different states. These are based on different criteria that the state chooses to use as the basis for their laws.

    Some states require no letter of intent that you’re going to homeschool, while others do, and the time at which you have to submit one can vary. You may have to submit one at the very beginning of your homeschooling, or not until your child has reached certain requirements.

    *** Testing

    Some states require standardized testing, while some only require an evaluation by a qualified teacher. Fewer than half the states require testing.

    *** Graduation

    In states where homeschools are operated as private schools, the graduation requirements for private schools usually apply to the homeschoolers as well.

    There are states, however, that have no “official recognition” equal to graduation, so even if a student has gone through all 12 school years, they can’t actually say they’ve graduated.

    *** Support

    For information on the laws in your state or for legal support, you can consult many different organizations. (See resources below for more information.)

    Be aware of your rights and the requirements for your area. This makes homeschooling much easier for everyone and you know where to turn should you have any issues that need resolved.

  • 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 19, 2017 /  Courses & University
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    When you have to choose between distance learning courses there is a set of questions you need to ask and other factors to consider before you pick the direction you want to study in. There are a myriad of courses available to choose between and all of them look as inviting as the next.

    The questions

    What kind of qualification will I receive? You need to establish what type of qualification you need before you enrol for the course. You might find different courses offering different types of qualifications in the same field of study.

    What will I learn during the course? It is important that you study the course outlines of the distance learning courses you are considering. This way you will be sure that you pick the relevant course for your studies.

    How will the course be taught and will I have access to teachers? You need to find out this information as some courses only requires work assignments and practical exams while others might require written examinations.

    The importance of access to a lecturer cannot be understated; it may the only place you find help when you are struggling with certain aspects of the study field.

    What course materials will I receive? The study materials you receive for distance learning courses might make or break your study experience. Some educational institutions will include the material as part of the tuition fee while you might need to pay additionally for it at others.

    What is assessed during the course? The assessment will provide you with valuable detail of how the qualification will improve your skills sets.

    How much does it cost? The cost of the distance learning courses will surely affect your choice. You should however inquire if there are any hidden costs involved, like additional course materials and examination fees.

    Are there any set application dates? Some learning facilities has set dates to apply for specific courses; you will need to apply for the course in due time.

    Do the course require a deposit with monthly pay offs or do I need to pay for the course in full during application? Once off payment distance learning courses might be a better option as you might not need to sign any debit orders and incur additional banking fees.

    Conclusion

    When you are choosing a study direction or course you need to ask all these questions to ensure that you pick the best course for your specific needs. You need to think about the type of qualification, study materials and costs involved. Another aspect that might be of concern is if the institution is a registered institution and the courses they provide are accepted by the potential employees you are thinking of for your future career possibilities. If you are simply looking for additional training to further your own business acumen a registered course might not be needed.

  • November 19, 2017 /  Education & Study
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    Why it matters for students to study Cambridge English and take their IELTS Exam

    Some students may not realise it, but what they learn in school doesn’t just affect them for the time they are in the classroom. It also allows them to excel in their training for their future careers. It also allows them to better their English, in an attempt to communicate in a tongue that may be foreign to them.

    While some may say the International English Language Test has undergone some changes that make it the best test, it still may be hard for students to master reading, understanding and writing an essay in English. However, this is a requirement of the IELTS exam. Unlike many other exams that assign a score, the IELTS exam assigns no score. Students instead receive bars that represent their skill mastery of the language. For many, an International English Language Test is not only about learning skills in order to be a great businessman. For many, it is learning how to survive in their own country and better themselves by learning a second or third language with their determination to master Cambridge English and the IELTS exam.

    Important things to know about Cambridge English exams or International English Language Test

    What should students know in order to better their Cambridge English or perform better on an International English Language Test? For many students, the most important skill they could learn is paraphrasing. Why is this important in an International English Language Test or IELTS testing? Learning to understand what is paraphrased can help students learn how to understand written Cambridge English better and quickly. This may also help them to increase their score on an International English Language Test. This is why paraphrasing may be one of the most important skills.

    When coupled with good listening and reading skills, students have a better opportunity of earning a higher learning score. This may also benefit them greatly if they plan to enter into international business or take a job where international communication is extremely important. This is why students benefit from taking both a course in Cambridge English and the International English Language Test.

  • 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.