Archive for June, 2009

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Consolidate Student Loans and Shop Online

Tuesday, June 30th, 2009

If you run a home business, you know that budgets can be pretty tight. Saving money wherever possible can be the difference between the business that succeeds and the one that fails. This article represents a broad survey of things you can do, from consolidating your student loans to getting small business deals on supplies, that will help you spend less each month.

Next Time You’re Online, Buy Something

Billions of dollars are spent each year online. Rather than suggest that you hurry and move your business online, I�d like to suggest that you add some of your dollars and cents to those billions already spent. Companies who move operations online reduce their overhead costs and often pass on those savings to you. Computers, airplane tickets, even student loan consolidation, can be purchased or arranged online. It has been my experience that I can find almost everything I want online for less than I can find it anywhere else. Next time you’re thinking about biting the bullet and making that big purchase, spend a little time shopping around online and see if you can’t save a few dollars.

Consolidate Student Loans and Get Your House in Order

Chances are good that you’ve been out of school for a while, but don’t skip this paragraph. If you consolidate student loans or other financial obligations, you will typically save a great deal of money each month on your monthly payments. Running a home business often blurs the line between personal expenses and business operating costs do yourself a favor and make sure you have your personal financial affairs taken care of before you find yourself overwhelmed with past obligations. The government might not have cared about your credit score when they gave you those student loans, but banks looking to give business loans are a whole different story. Making sure everything is taken care will keep financial doors open that, once they’re closed, are very difficult to reopen.

Score One for the Little Guy

Believe it not, most people want small businesses to succeed. There are a lot of people willing to give you a break on prices because you own a home business, but you might need to ask about it. Office supply retailers and computer distributors sometimes offer discount prices to registered small business owners. The savings are not always monumental, but even the smallest savings multiplied over a year or two start to add up to pretty substantial amounts. Shop around to see if the suppliers you use are willing to offer you a discount on supplies or equipment.

Do Without For a While

I’m probably not the only person that drove a car that was older than I was during college, or who ate Ramen noodles more than once almost everyday. Don’t forget the lessons you learned while you were a poor college student the same ability to make do with what you have can save you a lot of money in the long run. I had just graduated from college and I wanted to get a new computer to replace the older, though fully functional one I was using. This was before I took my own advice to consolidate student loans, so money was still pretty tight. I wanted to kick myself when I saw that the price on the computer I bought dropped $300 in three months. Some expenses are necessary and unavoidable. For everything else, look to see if you can manage with what you have for a while longer.

Don’t Do It Alone

Nobody likes data entry it’s time consuming, boring, and time consuming. If you find yourself spending too much of your day punching numbers into spreadsheets, consider hiring someone or outsourcing it to another company. If you think that you can’t afford the part-time salary, do an inventory of your time and see if what you would pay someone is worth the amount of time you’ll be able to invest into the meatier matters of your business.

I know I’m risking sounding like your father giving you a lecture about money, but remember that a penny saved is a penny earned. A successful business minimizes costs while maximizing profits.

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Successfully Sitting Exams

Saturday, June 27th, 2009

Many people work hard studying various subjects to sit for examinations in them. Fine. Hard work is usually a necessary condition for passing exams. Unfortunately it does not follow that it is a sufficient condition! Exam technique can be almost equally as important. It can make all the difference between success and failure or between poor grades and good grades.

As students, we often complain about the examination system. That is usually because we feel the pressure of an uncertain outcome. But like all systems we need to understand its mechanics in order to make it work for us.

What follows is largely concerned with exams needing written answers, rather than mathematically-based subjects.

Frustrating Examiners

This section applies as much to writing course work as to examination answers

When you consider writing essays, also consider the person who will have to read them. He/she has a psychology. Make it work for you, not against you. Most examiners do their job well and effectively but…

Exam assessors usually have a mountain of scripts to wade through. They like to get through them faster rather than slower, with relative ease rather than difficulty. When they find a script which facilitates the two former objects, they are delighted and their disposition towards the writer soars.

A great frustration is caused by having to ‘.dig’ into the essay to discover whether or not the student has given a correct or acceptable answer. Sometimes this job is very difficult. The examiner has to re and reread the essay to discover what is actually being said. Sometimes an actual decision has to be made by the examiner as to whether a correct answer has, in fact, been given, because the composition is so obtuse.

Some method is needed which will avoid this situation and which will improve the examiner’s disposition towards the writer.

Writing Effectively

Writing effectively in exams is really not that difficult. There is a simple technique which can be used and adopted to virtually every type of question.

The technique is to divide your essay into three (unequal) parts:

1. An introduction

2. An expansion of 1;

3. A conslusion.

Numbers 1 and 3 are quite short and basically say the same thing except in rather different ways.

1. is critical and is a short version of the answer. This lets the examiner know immediately that you know what you are talking about. It require slight differences of emphases depending on the actual wording of the question.

For example, a question which asks something like “What are the factors which influence…” needs an introductory answer which starts something like: “The factors which influence so-and-so are… ” And you mention them in descending order of importance. A question of the type: “Discuss such-and-such…” needs an answer which starts something like: “When discussing such-and-such one needs to take account of…” and then mention the major points which you consider to be important and which you are going to discuss.

There may be other variations in the phrasing of the question, but the approach you adopt needs to be always the same: present the examiner with what is effectively a concise answer to the question. It usually takes no more than a few lines, maybe a dozen at most. He/she will jump up and down in excitement at having found someone who not only knows the answer but who can also actually make it explicit.

2. The expansion of the essay is simply a development to show that whatever you said at 1. is correct or relevant. This takes up most of the essay. Use a new paragraph for every new point. Don’t be afraid to be pedantic. End each of these paragraphs by relating what you have said directly back to the question. e.g. “Hence it can be seen that…” and so forth.

If, during the course of writing your answer, you suddenly remember a really major point which really should have come earlier, just “knit” it in as if this is where you always intended it to go. Thus: “Of course, a further point which needs to be given especially emphasis at this juncture is…” Try and make it seem the most natural place to put it. The examiner may think it better put elsewhere, but he will not usually penalise you for that

3. The conclusion will be little more than a restatement of the introduction – but you do need a conclusion. During the writing of the essay you may have thought of some other points not mentioned in the introduction. If so, be sure to mention them in the conclusion.

Read Before You Write

Always spend at least six/seven minutes out of a three hours exam reading the question paper. Read it three times. The first to get a general impression. The second to mark any question which you can reasonably attempt. The third to check that your second reading decisions were accurate – sometimes, in the face of nervous tension, they are not. This is time well spent. As an invigilator, one often groans within at seeing student grabbing their pens and beginning to write before the clock has stopped chiming the hour to commence!

Dividing Time

Unless some questions have unequal shares in the total marks possible, always divide your time equally between the questions. There are severe diminishing returns to each extra minute spent on the present question – more could be added to the overall total by going onto the next.

Conclusions

As already said, don’t throw away your hard work during the year through bad or none existent exam technique. With good technique it is, in fact, possible to do rather well with skimpy knowledge (although one does not advocate the practice!), whereas it is commonplace for students to underachieve by neglecting their technique.

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How To Improve Your Study Habits

Wednesday, June 24th, 2009

If you’re a student attending classes, you have probably experienced many moments when it was hard to make yourself settle down and study, even when an important exam was coming up.

If you’re like most students, you put off studying until the very last minute. The night before the exam, you’ll stay up all night cramming, getting little or no sleep. In the morning, you’ll drag yourself out of bed, psych yourself up with lots of coffee and some cigarettes, and go into the exam feeling exhausted, drained and jittery all at the same time. You’ll find it hard to focus or think, and you’ll be cursing yourself for not starting to study sooner.

And not surprisingly, unless you’re blessed with natural brilliance, or you happen to know the subject matter extremely well, you’ll probably do terribly on the test.

If this is your typical method of studying, you already know it doesn’t work. Every time you go through this ritual, you tell yourself that you’re going to smarten up the next time you face a big exam. Next time you’ll start to study weeks in advance, you say. But instead, you keep repeating this crazy pattern. Why does this keep happening? And what should you be doing instead if you want to get better marks?

A big problem for most people, especially those who are young students, is that life gets in the way. If you’re a student, you probably have a part time job, and like most young people, you also want to have a social life.

Studying can seem very boring compared to all the exciting temptations just outside your door. Or the games on your computer. Even watching old reruns of Sesame Street can seem more interesting than the biology text your teacher is expecting you to master!

One reason we often don’t start studying until the last possible minute is that we have misjudged how long it will actually take us to absorb and understand the material. If your mid-term is still six weeks away, that might seem like plenty of time left before you need to get around to studying. You might find however, that the subject matter is a lot harder to understand than you thought it would be, and all of a sudden there’s no time left to ask someone to explain it to you.

Another reason we often put off starting to study is that we are too overwhelmed with how big the project actually seems to be. Somehow we convince ourselves that putting off a tough study project can be the best way to avoid feeling overwhelmed by it.

When we are faced with a study project that seems exceptionally difficult and overwhelming, it can be to maintain a high level of interest and motivation for the duration of the learning process.

If you have been guilty of all these bad study habits, it’s not too late to learn some other habits that will work better for you.

First, remind yourself why you want to do better in your studies. Maybe you need a good mark to get into a good college. Maybe you want a chance at a career that will pay you well. Always keep your end goal in mind.

You can put little cards up around your room with inspirational messages, and attractive photographs that will remind you why you want to do well in school.

If you feel very overwhelmed, you can improve your motivation and your performance by breaking up the project into smaller sections, or chunks. Each time you accomplish one little bit successfully, give yourself a meaningful reward.

If you have a deadline looming, decide how much of the project you need to tackle at one time.

Let’s say you have six weeks to master the content of a difficult biology text. Looking through the book you realize that if you study one chapter each night, you can get through the book in 28 days, leaving two weeks in which you can again review the material.

With this knowledge you can pace yourself. You know what your assignment is. You know how much you need to read every night. Concentrate on the immediate task at hand. You don’t need to feel overwhelmed by the entire book at one time. Next, work out a system of rewards for yourself. Give yourself a series of small rewards each time you master one chapter, and a larger reward for completing the entire book.

For rewards to work they must be immediate, and personally meaningful to you. There is no point in rewarding yourself with a new fishing rod if you hate fishing.

Rewards don’t need to be material objects if there is something else that would really motivate and inspire you. How about attending a special concert, or taking a special trip? You decide. Get creative and think of something that will spur you to take action.

It’s very important that the reward take place soon after the work has been accomplished. This creates a sense of positive reinforcement. Give yourself a small reward every time you finish a small part of the job, and a bigger reward when the project is completed. If there is too long a gap between the activity and the reward, it will not have the effect of reinforcing the desired activity.

Besides motivating yourself with a series of external rewards, learn to motivate yourself internally. Tell yourself you’re a good learner. Tell yourself you enjoy learning. Tell yourself you enjoy giving your brain a good work out. Congratulate yourself for your efforts. Tell yourself you love acquiring new knowledge, and let yourself feel a joy in learning. Be proud of yourself for the work you do to gain more knowledge.

For information to sink into your brain and be accessible to you, you need to review it several times, and your brain needs to sleep properly for the memories to be encoded in your neurons. You need to reduce your mental stress. Your brain needs good nutrition and it needs to be in a peaceful, confident state. Drugs and alcohol don’t help the process of learning.

Write out what you are learning in your own words, and find a learning buddy. Practice explaining to someone else what you have learned. This will increase the likelihood that your brain will remember it.

If you start to cram the night before, you are putting your brain at a big disadvantage.

You’re increasing your physical and mental stress, and you’re not giving yourself time to review the material several times. By cutting back on your sleep, you’re not giving your brain a chance to put the information you’ve been studying into the hard drive storage of your brain.

By starting your studies early, and reviewing what you’ve learned, you have a much better chance of remembering and understanding what you need to know when you face a big exam.

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How Online College Classes Work

Saturday, June 20th, 2009

It’s no secret that more and more people are looking to the internet for a convenient way to further their education. Online classes are a great way to obtain an accredited college degree from home and continue to work a full time job. Many times a student can attend classes from their computer and schedule those classes around their job. Some schools allow the student to login to a class at their convenience. Imagine taking a class from the comfort of your own home and not having to deal with parking problems, child care, lunch, or transportation expenses.

You can also get an online degree from top, accredited online colleges and online schools that may not be available in your local area. An online education is also a great option for non-traditional students, the handicapped, people in remote areas, and people with a full-time job or a schedule that doesn’t allow for a traditional education.

Distance education can be delivered in several ways. We will examine two of the many ways education can be delivered via the internet.

One of the most common is through live media. In this type of online classroom, students typically login to a chat room type environment that allows not only for text chat but also live audio chat, similar to many of the popular “instant messaging” programs that are widely used today. The lecture can be heard through the computer speakers or through a set of headphones. The students communicate with the teacher and other students by text chat or simply by talking into a PC microphone. The teacher can also allow students to view him/her in a smaller window on the monitor via a webcam. The lecture can also be recorded and posted to the school website to allow students to listen to the lecture and review the material at a later time according to their schedule, and as many times as necessary.

This type of online class makes it necessary to be at the computer at a scheduled time each day.

One advantage to this type of online college classroom environment is the student receives live instruction with structured classes. It is well known that students working within in a structured setting have a higher probability of success of finishing their degree. An obvious disadvantage would be lack of scheduling flexibility.

Another variation of the online classroom setting involves text messages such as email and message boards. Each class may share a group mailbox or a message board system, which becomes the “electronic classroom”. The instructor generally posts lectures on the topic of study, posts the assignments, and provides discussion questions related to the topic. The student can view lectures, notes from the instructor and other students, and assigned projects. The student can also post messages or questions to the instructor and other students.

One advantage of this system is 24 hour access to course materials and the ability to work at one’s own pace without regard to scheduling. A disadvantage would be lack of direct contact with the instructor.

In both scenarios students are expected to logon to the class site a certain number of days per week. Students also can contact the instructor via e-mail to ask questions or receive answers. When assignments are due, students send them to the instructor online or by email, where they are graded and returned. Students may also have access to their individual performance reports by logging in to a website where that information is posted. Test may also be taken online. Typically, online classes last five to six weeks.

Although the degree of difficulty is the same for the online classroom as in a traditional setting, the internet has broken down many barriers and is providing educational opportunities for people worldwide that were not previously thought possible.

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How to Get the Lowest Quote

Thursday, June 18th, 2009

The problem with student and any small move comes when a small load has to be transported a long way:- For the moving company, the mileage and road time costs are not much less than for moving a whole house…So your quote is unacceptably high.

There are two ways to approach a solution to high cost removals: You could hire a van, (and there are van hire companies that will rent a small van 21 year olds, sometimes one way), or you could look for a removal company with whom you can part load with someone else going the same way.

One way van hire could be particularly attractive if you could then find a partner to split the cost, and get a one way deal, but the problem of finding a qualifying driver may be insurmountable.

So the problem for most student movers is in finding a company who will part load at a good price.

Moving Tips

1) Spend some time phoning around: There is an element of luck in finding a van going your way.

2) Be as flexible as possible with your date – maybe you can organise someone at your destination to receive your property.

3) Try to find your own partner who is also going your way, and approach a removal company with a joint proposition.

Apply common sense to make sure the job is easy to understand and execute for the remover
To get the best price it is vital to convince a remover that your assessment can be trusted.

4) Stop and consider the quantity of your removal:- because removals tend to be arranged before you have packed, peoples own estimates are often hazy, usually under assessed, and sometimes the actual job bears little relation to that described.

5) Package and box as much as possible, for speedy loading, protection, easy trolleying, and secure, tidy stacking on the van.

6) Consider any likely impediments to access or delivery (like locked barriers on campus)

7) Offer all the assurances needed about having your things easily accessible and that you will be ready to go before the van arrives.

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Distance Learning, Online Education, Electronic Education, Electronic Learning

Wednesday, June 17th, 2009

Whatever you want to label “learning at home” and however you want to define the latest buzz words for non-traditional education, you can find a program and method that suits your needs. Right now over 1.2 million people in the U.S. participate in some form of distance learning, with a projected expansion to 2.3 million in just a few years.

In looking at this rapidly expanding and viable form of education and training, there are a few basic things you need to consider and some decisions you need to make in order to create the environment that will best suit your needs. You need to know the what, the why, the benefits and the how of the various forms of distance learning.

Distance learning (correspondence courses) started in Europe in the 1800’s and has evolved into a multifaceted term that serves many purposes. Some of the forms of distance learning are: correspondence courses, online education, internet based education, electronic education, e-education, electronic learning, and e-learning. How these terms differ will depend upon how the institution defines and labels the programs which they offer. To simplify the whole concept, let’s say that these terms represent ways of learning away from a “brick and mortar” facility. Some distance learning and/or online programs may or may not be connected to a university or college. There are many programs that are independent and are not affiliated with any institution.

Distance learning offers a variety of paths to personal goals which include: GED, associate degrees, bachelor degrees, graduate certificates, master degrees, doctoral degrees, non-credit training courses, and others. Whether a person is seeking a degree, keeping professional skills updated, or pursuing skills for an interest area or hobby, there is a program or offering that should work.

Why are so many people turning to distance learning? What are its advantages? On a personal level look at such pros as: maintaining privacy; provides convenience; enables a flexible schedule; allows for balancing job and family obligations; working at own pace, going slowly or accelerating learning; can be less expensive; great for homebound individuals; no unnecessary travel; no formal class attendance; and can “learn while you earn.” These are a few of the many things that are causing quite a number of people to take an entirely different approach to attaining knowledge/skills and/or earning a degree.

Those who advocate against an alternative of distance learning, often site the lack of socialization which is a part of a traditional type of education. However, not everyone is looking for the classroom activities, college events/parties, and the interactions that are a part of a school campus. Many of the classroom activities such as discussion and support can be achieved online. The other things that an online education will reinforce are: reading – ebooks, up to date
references, current research; listening – through audio lectures or clips; seeing- through graphic illustrations and demonstrations; doing – assignments, quizzes, exams, research papers; and speaking/communication – through email, chats, and electronic discussions. A distance learning program can be far more than just reading and writing.

What are the requirements for becoming a part of a distance learning program? Many programs require a minimum of a GED or taking an admissions test. Usually, the process for applying will include: an application; transcripts; test scores; an essay; and letters of recommendation. The less formal the program, the less formal the requirements. There is a wide range in answering this questions. However, what is necessary for an online program is the right computer equipment with the internet connection (high speed), word processing capability; email; and multimedia player. The program you choose will provide more specific details for recommendation about equipment and software.

In choosing a program there some questions to ask as you do your research and make your selection. Ask about the following: help/support is offered; qualifications of the instructors; number of years the institution has provided services; is it an accredited program; details about the curriculum; and multimedia elements of the program. By the way, accreditation is voluntary since there is no officially sanctioned entity in existence. However, most schools considered the six regional accrediting agencies listings to be legitimate agencies. Ask if it is regionally accredited.

The last thing you need to think about is your motivation and work ethic. If you are a good reader (good reading comprehension skills) who doesn�t procrastinate and can avoid distractions, you will be a good candidate for an alternative approach to education. In this age of global education and the need for current knowledge and skills, this is a fast delivery system that will bring all the technological advancement right into your living room instantaneously. It works for more than a million people, and it can work for you.

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