February 22

Why do credit card companies target college students

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Many credit card companies see the marketing potential in college students. Credit card companies use promotional offers and free gifts like t-shirts, coffee mugs, or CDs to entice students on signing up for their company.

Have you ever asked why? Loyalty is a good reason. Credit card companies are competing to be the first credit card that the student will own. By being their first credit card, it is very likely that even when they graduate from college and enter the corporate world, students will be upgrading their credit cards with the same credit card company.

Students are Big Spenders
Aside from this, college students are great spenders. Lets face it, credit card companies love customers who spend much using their credit cards. The more a person uses his credit card, the better it is for the business. And students are usually prone to over spending or using their credit cards excessively not just for their school necessities but on luxuries as well.

Despite the fact that college students are still in school and most do not have stable jobs to finance them, credit card companies are still doing everything to encourage these students on obtaining a student credit card. Furthermore, credit card companies are encouraging students to use their credit cards as often as they can.

Regardless of whether a student can afford to pay it or not, credit cards are willing to take the risk. Why? Because they can simply charge additional costs on the customers account if they fail to make their payments on time. For instance, credit card companies profit from charging interest rates and penalty fees on their customers. Obviously, customers who fail to pay their balances promptly pay more even if it takes them some time to repay their bill. In the end, the credit card company is still the one who benefits.

Students Need Credit
It is also interesting to know that students will do everything in order to repay their credit card debts. Although, students may fall behind on their payments, they will still find some way to pay off their debts especially as they are about to graduate and find employment. Students may get a part-time job, get a student loan, or borrow from their parents or relatives the money to get off their credit card debts.

Students need to clean up their credit report from any unimpressive records. They need to boost their credit rating so that future employers and creditors can find them worthy of their approval. Thus, credit card companies know that whatever happens, students will find a way to settle their credit card debts sooner or later.

In view of this, it is up to the students on how they will use their student credit cards to their advantage. Credit card companies do not have to be the only ones to profit. A student credit card can provide great help and support during a students college years as long as the student knows how to manage his finances responsibly.

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February 22

Easy Solutions To Assist You Better Prepare For Homeschooling

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Can a excellent school child pass the GED? Have your child take a test GED test in order to target weak regions and create them a part of their curriculum. This might assist we be capable to concentrate on weaker areas.

Let the elder youngsters assist the young ones. Older children is the perfect tutor for younger ones. That provides older kids confidence, and it enables younger kids to hear the data differently. Children often listen perfectly to elder siblings.

While we might not want a kids to hang out with the kids in public school, they have to have several exterior social interaction. Your kids should have play dates with others inside the neighborhood. Let the kids play with the kids at the neighborhood park. In addition, you should motivate a children to join localized clubs, groups plus companies.

You can conveniently have too much on the plate with regards to combining homeschooling plus your home chores. Your partner must be able to aid we out with chores, nevertheless if not, you are able to hire someone nearby rather.

Take a limited moments to contact other parents which are going by the same task. Not only will you see unique neighbors, you will additionally gain a wealth of information resources. However, we shouldn’t allow others influence each aspect of the own homeschooling practices. That said, it is very good to remember that there are others whom may have a greater amount of experience than you whenever it comes to homeschooling children.

Become familiar with homeschooling regulations in your state. Homeschooling offers we a great deal of versatility however, there are nevertheless laws plus guidelines we should follow. In certain districts, you only need to supply a statement of intent to homeschool your kids. We will also need to administer standardized testing. By recognizing what exactly is needed we can make certain that we are following the proper rules.

If we know others inside the area whom are utilizing a homeschooling program, see in the event you can meet as a group. Establishing a little group of regional homeschoolers which meets frequently, you’ll be providing socialization, field trips and getting much needed support for oneself. This also helps you escape within the house occasionally.

If a child isn’t learning as much as he must in public school, then it can be time to test homeschooling. It can help your child to succeed without frustration. Additionally, you will develop a personalized bond with the child. Homeschooling might be just the thing your child requirements to discover more while experiencing less stress.

Your children’s future achievements depends found on the foundations you lay for them today. You are the person many focused on the child’s success, and this may be reflected by homeschooling. Make use of the data found here plus begin functioning to create a amazing learning plan for the children.

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February 22

Creative School Fundraising Ideas

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Looking for school fundraising ideas that are out of the ordinary, creative and fun is easy if you really sit down and think about it. First find an interest in the community that you are targeting. It is helpful if they can identify with your cause and actually believe in it. By making the community see that they are involved in your goal, you are encouraging them to support you. At the same time, you are making it worth their while.
Fundraising in school should be fun. People who are enjoying themselves at your event are likely to be more charitable and would have a tangible thought that they feel they are getting something for their donated money.
There are plenty of school fundraising ideas to choose from. When choosing one, it is important that it represents your cause and your group. Sometimes involving the entire group in the process will promote team work and ultimately help your group.
One classic idea for a fund raising event is selling raffle tickets. The money acquired can be used to purchase prizes for the winners. It would also help increase your profit if some of these prizes are donated by parents or by businesses in the community. Remember the less you spend, the more profit your group will make.
A fundraising suggestion that would surely persuade school participation is a school bazaar. Invite parents and other community members to feature their businesses in a school bazaar. By doing this you will allow them to advertise their merchandise and services to the entire community. The partaker would be allocated their own booths and the school can charge a payment for each booth they rent.
Another brilliant idea to raise funds for the school that would involve little or no money on your part is auctioning services or talents of students in the local community. You can come up with a directory of donors, and their corresponding talents or services they would provide. An example of this might be, a student donating lawn mowing. The school will auction this service off to the highest bidder and will earn the cost of the bid.
Last but not least, you can never go wrong with the safe route and choose some tried and tested fundraising ideas. Some ideas may include garage sales, car washes, exclusive movie premieres or special screenings, concert and theatrical plays.

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February 22

Singapore A World-class Education Hub With Sky-high Tuition Costs

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Singapores education system has been described as “world-leading” and was among those picked out for commendation by British education minister, Michael Gove, last year. Perhaps, the governments efforts in providing each child with schooling opportunities are indeed laudable, but still, parents complain of the rigid and competitive nature of this very system. So maybe, the most nerve-wrecking, mind-boggling issue on every Singaporean parents mind is how can my child be one of the best? Surely, the recent implementation of Teach Less, Learn More does nothing to ease this tension, and to study independently seems not to be the nature of our law-abiding kids, whom our Western counterparts tend to dismiss as lacking the inquisitive spirit and/or innovation. But it seems our parents have found an alternative to induce this spirit through intensive tuition.

H2 Mathematics Tuition and H2 Physics Tuition are two of the most common subjects being sort after by Singapores high school students to be tutored. A Sunday Times poll conducted by the Straits Times found that out of 100 students, 97 students are attending tuition. Singaporean parents are enrolling their children in multiple tuition centers, many willing to pay up to S$3000 a month engaging multiple Top Tutors especially for higher level education, e.g., Junior College and/or higher. With the aim of establishing a robust Science Hub, Singaporean parents see the need for their child to be equipped with the necessary, and hence are willing to pay, regardless the price, for crucial science stream subjects, investing in H2 Mathematics Tuition and H2 Physics Tuition.

There are parents who prefer to engage Top Tutors for private home tuition, which are especially common for high school students dealing with more complex and difficult subjects. The rates for Top Tutors can range from S$35/hr to S$80/hr depending on the popularity and level of the tutor. Group or class tuition is also increasingly available in Singapore. Not only is it a cheaper alternative, they also feel that their child will benefit and learn more from interacting with others while asking questions during tuition a form of inducing an inquisitive spirit. The class size of a typical H2 Physics Tuition or H2 Mathematics Tuition classes are often small for effective teaching and learning.

It may be true that many successful people come from well-off family background, and indeed, their parents may have the capital to equip them with the necessary, but how many outlier cases have we heard, where children from working class families still made their way to the top, for instance, 42nd US President Bill Clinton. Perhaps, who makes it out successful and who does not, depends again largely on the individual.

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February 22

Private Tutor And School Teacher In Singapore

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Teaching, whether it is private tuition or public school teaching, is a highly respectable and important profession worldwide. Educators play a vital role in teaching the next generation of people and advertently creating an advanced society. This explains the relatively high salaries educators earn globally. In Australia, a beginner teacher’s salary is roughly US$41,109, while the average beginner teachers salary in the United Kingdom is US$34,488. During a recent admission talk by the National Institute of Education in Singapore, the speaker mentioned that the top income earners in Switzerland, South Korea and Singapore are also teachers.

Therefore, educators in Singapore are highly responsible in moulding students futures. However, there is a stark contrast in the degree of responsibility between a private tutor and a MOE school teacher. While a private tutor focuses only on the subject he teaches, a public school teacher finds himself caught up with other duties such as handling CCA, meeting expectations of the school and handling the well-being of students while projecting a professional image simultaneously.

Yet the irony lies in the fact that despite having a more hectic work schedule than a private tutor, some claim that school teachers are not doing enough. For instance, some suspect that it is precisely because junior college teachers are too busy with other tasks that they fail to deliver a good job in providing H2 Mathematics tuition and H2 Physics tuition. As such, the expectations of a top tutor have often been modelled after private tutors instead, who may be more specialized and knowledgeable in these subjects.

Many families in Singapore spend hundreds monthly to register and engage their children for private H2 Mathematics tuition and H2 Physics tuition, some of which provide more innovative methods for students to excel. In reality though, the meagre 2 hours spent weekly with the tutor can only be more effective than the many hours in school if the students themselves fully utilize the time for enrichment rather than merely repeating the concepts which have been taught in schools.

Nevertheless, the status of school teachers must never be relegated to the backseat as they provide the benchmark for private tutors and students alike. While it is essential that educators maintain their role as top tutors as far as possible, students should not rely and expect to be spoon fed by them, but instead take the initiative to learn and improve their grades.

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February 21

Why Students May Choose To Study Abroad

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Choosing to study abroad is a superb choice for both high-school and college students, alike. High-school students, who choose to study abroad, typically enroll in a foreign-exchange student program. While these students study in other countries, they will stay with a family from that country.

Foreign-exchange programs are terrific for high-school students, as they are not yet old enough to live on their own. In many cases, these students build lasting, strong relationships with their adopted families and remain in touch for the rest of their lives. However, choosing to study abroad while in college can be a bit more complicated.

First of all, choosing the proper college is crucial, as it could affect the student’s entire future. However, students should also keep in mind, that there is no such thing as the perfect school. They should strive to find a college abroad that offers courses pertaining to their preferences and will prepare them for the career of their choice.

Most colleges have administrators or international student organizations that will help foreign students in their decisions. Many of these administrators and organizations have studied abroad, as well; and they know what concerns these students may have. They can give the students a vast array of useful tips, as well as, answer any questions that may be troubling them.

Students, who study abroad, will experience the enthralling life and culture of the country they choose to study within. On their down-time, they can explore all that the country has to offer. From sight-seeing to shopping, studying abroad can be a fabulous experience. They have the opportunity of learning all about the people of the country and perfecting their language of the country, as well.

They can delight in the local restaurants, or they may choose to explore the country’s tourist attractions. One of the best benefits of studying abroad is the diverse people that students will meet. They may meet other students from all over the world, and they have the opportunity to build lasting friendships with other students of various cultures.

There are many scholarship programs that will help students study abroad, as well. Therefore, cost should never be a deterrent when students choose to study in other countries. The benefits students will enjoy while they study abroad are fantastic, and students will be sure to make many memories that will last for the rest of their lives.

In conclusion, choosing to study abroad can be a marvellous experience for both high-school and college-bound students. High-school students, while too young to live on their own, can enroll in foreign-exchange programs and stay with local families within the country they study in. College-age students should always consult with the college’s administrators or international student organizations, as to the suitable schools and courses they may want to take when they study abroad.

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February 19

Why Students Struggle with Fractions

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One of the most challenging topics in a typical math class is the learning of fractions and their operations. Why does Johnny (Jenny) struggle with the concepts of fractions, decimals, and percentages? I believe that these ideas are not taught effectively in most elementary classrooms. Teachers tend to move quickly through the lessons at this time in elementary school (usually 3rd or 4th grade), and tend to treat fractions as an abstract idea.

When learning to speak, infants are taught to point to an object and repeat the word that the adult speaks. These nouns become the buiding blocks of language, and numbers and counting is done the same way.

Primary grade students learn to count objects in their world, moving on to basic number pattern ideas and labels such as multiples of 5 and 3, and the concepts of odd and even. But these are whole number ideas, and partial numbers (fractions and decimals) tend to be introduced on paper as an abstract idea. In other words, teachers should be repeatedly showing students what a third of something is, or how to cut things up into equal pieces, etc.

I am not saying that this is avoided in elementary school, just that students are not given enough exposure to those ideas. Students should not be doing worksheets where they practice adding fractions with unlike denominators until they can draw pictures of these fractions, or show how to cut them up into equivalent pieces. The concrete learning idea of manipulating objects to show a mathematical idea needs to be embedded into the minds of young learners before they can practice similar math ideas on pencil and paper. This curriculum piece tends to be skipped or rushed in most elementary classrooms.

Students who are not ready to move on to do fraction work (or decimals or percentages) are either unsuccessful the rest of their math careers, or memorize the algorithms and get stuck later in higher level math courses.

Either case requires extra help to survive high school or college math curriculum because the developmental phases in mathematics cannot be avoided. If a student didn’t understand a fundamental concept such as fraction operations, they will not be successful in learning topics that use these ideas, such as solving equations, graphing linear relationships, or manipulating precalculus problems.

So, if you are a parent of a child who struggles in math, take a look at how your son or daughter expresses the ideas of fractions. Ask them to show you what 2 thirds looks like, or what 8.6 means, or to make a model of what percent 8 out of 10 represents. Can they do it?

If not, find a quality online math tutor who can diagnose the developmental phases of what your child has missed in the classroom. A highly skilled, experienced teacher can help fill in those gaps in learning, make it fun, and help your child to once again rediscover their math confidence!

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February 18

Too Many Universities All Dressed Up With Nowhere To Go

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The Coalition Government which has placed so much emphasis on reversing the trend towards dumbing down in education must be extremely dismayed by one side-effect of tuition fees in higher education rising to as much as 9,000 a year. It appears that the drop in university course applications which has followed the fee rise has prompted many institutions to lower their entry requirements in order to keep their numbers up. This is especially true of newer universities and former polytechnics.

According to the Universities and Colleges Admission Service (UCAS), the number of English applicants to all universities has fallen by 10 % compared with last year. The biggest casualty was the University for the Creative Arts which suffered a massive 29.2% drop from 2011. At the top end of the spectrum, Oxbridge applications were virtually unchanged.

In what looks like a desperate last minute attempt to keep student numbers and revenues up, many institutions have lowered A level grade requirements which basically means that young people are being let in even though they may not have what it takes to ultimately gain a degree. Either that or the quality of degrees would have to fall. This is almost certainly not what the government intended when it moved the goalposts on fees.

Take, for example, the situation at Leeds Metropolitan University where the Telegraph reports entry levels on 97 degree courses, including architecture, law, English literature and history, have been cut to 80 points on the UCAS tariff – the equivalent of only two grade Es, the lowest possible pass. The inevitable result is that the average quality of undergraduates at such universities is destined to decline.

Of course, in the past, such establishments would have responded to such developments by focusing more of their education marketing spend on attracting students from overseas but, here again they have been stymied by the governments tightening up on visa requirements for students from outside of the EU.

That just leaves the EU as a potential source of students to compensate for the shortfall in domestic numbers. This may also prove a problem bearing in mind the economic malaise in the Eurozone and the fact that fees in many EU countries like Belgium are actually lower than in the UK.

Nobody it seems has asked the most relevant question which is what is the optimal number of university places in the UK in the first place. It would appear that the quality of graduates, especially in the disciplines which are in such high demand such as technology and engineering, is now taking centre stage in the debate rather than the total quantity of new undergraduates studying at our universities.

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February 17

The University Of Southamptons Msc Marketing Analytics Masters Degree

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The MSc Marketing Analytics masters degree course at the Management School at the University of Southampton takes one year to complete.

It has been especially designed to give education and training to people who want to understand more about how marketing data is managed and interpreted to make sound marketing decisions that are based on clear evidence.

This Marketing Analytics masters degree course is a good route for any marketing professional who wishes to achieve career progression towards roles like marketing manager for example.

Study on the MSc Marketing Analytics masters degree follows a schedule of half-day teaching blocks. A single module will be taught over six half-days; usually the same half-day each week. Module teaching blocks are scheduled on different half-days so that students will study several modules during the same period.

Teaching and learning on this Marketing Analytics masters degree happens during the autumn, spring and summer terms. However, a few modules are scheduled for evenings, as well as the Easter holiday.

Examinations take place in January as well as May and June each year. If you pass the module assessments to the required standard you will be permitted to continue on the course until September, leading to the submission of a dissertation.

The MSc Marketing Analytics degree course is directed by Dr. Luke Greenacre, who has previously worked at the Centre for the Study of Choice and the Marketing Discipline Group at the University of Technology Sydney; the University of Sydney; the University of Western Sydney; and the Australian Institute of Music.

Dr Greenacres research has typically focused on two areas, these are: word of mouth communication and social networks, and training and education practice.

If you would like to learn more about the MSc Marketing Analytics masters degree at the University of Southamptons Management School, then all you have to do is visit www.southampton.ac.uk/management

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February 17

India Education has to stay in Government Hands

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The budgetary allocation for india education, should be revised every five years, Right now, the money allocated for education is far too inadequate. We need to set apart at least 10 per cent of the GDP to meet the educational requirements of india. Inviting private players will turn the education sector into an educational bazaar. They are interested only in making money and lure students with false promises.

People who impart education should be able to identify with the students and display an active interest in their future. If the corporate houses are really interested in making a contribution to the india education sector, they should provide money to the government or institute scholarships or fellowships for the students. The point is if the government really has the will, then it can find the money.

The salaries of professors in colleges should be fixed at reasonable levels. The government will actually be saving money by rationalising salary structures and this money can then be spent on providing quality education to students. The government is also not filling up existing vacancies in universities and colleges. The money thus saved can be diverted for educational purposes as well. The disparities in salary levels become more glaring among guest lecturers. Even after the recommendation of the University Grants Commissions pay review committee that guest lecturers be paid a salary of Rs 25,000 per month or Rs 1,000 per lecture, they are at present offered just Rs 200 to 300 for every lecture. Even the various teachers associations are not talking about the poor salaries doled out to the guest teachers.

Another important point is that india education should percolate down to the grass-roots if it has to have the desired effect. The government, instead of helping the poor to get educated, is withdrawing financial support for the education of the downtrodden. Nearly 30 years ago even people living in rural areas could access good education because the fees were very low. The government also displayed a relatively more positive attitude towards imparting education..

Today, people are going to big cities to pursue higher education after paying exorbitant fees. Even then, very few enroll for higher education in india. Schools and institutions of higher education in india should be allotted sufficient amount of money to take care of the requirements of the student community in rural areas. Education must not remain in urban areas alone, It has to reach the village level.

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