Category Archives: Education

Make You an Expert in High School

Breezing through high school involves finding the perfect balance between studies, extra curricular activities, and social obligations. There are a few tried and tested techniques that have always proved effective for learning and can help you achieve that balance.

Tips to Improve High School Study Skills

Create a Schedule
The primary step to effective studying is to make a schedule and follow it. This will include allocating how many hours and which part of the day you will spend studying. Among the vital factors for students, is the ability to prepare a schedule that takes into consideration the time you will spend doing assignments or homework, as well as manage to include some real study time over and above this. Try to ensure that your study time takes place after you have rested, so that you are fresh, alert, and are able to absorb what you study. You will also see that studying at the same time every day will help you to focus and concentrate better. It is also a good practice to study the same portion that was covered in class during the day, as it will be fresh in your mind. It is also important to keep revising this schedule, to make it more effective over time.

Where to Study
It is important to pick a place to study that will help you concentrate. Any place rife with distractions will cause you to waste a significant part of your study time. The spot you pick to study should be austere, without the presence of any jarring colors, pictures, or loud sounds. Apart from the place you pick at home, libraries, study lounges, and private rooms are also good options.

Another key step in creating good study material is to compress a portion of information to about one-third of its original size, including only the important dates. This method, that also applies to study skills for middle school, makes reviewing and revising very easy.

Survey, Question, Read, Recite, and Review
High school as well as middle school study skills include this method; often referred to as SQ3R. The first step is to survey and involves chalking out all that needs to be covered (make subheads and points) and getting a general understanding of the subject. Next, you can categorize material and learn it as answers to questions such as what, why, how, when, who and where. As you study, ask yourself questions and seek the answers in your material. You are more likely to remember it using this method. You can also make your notes following this format. The next crucial step is reading, which must not be a mechanical process, but a receptive one. Ensure that you include tables, graphs, and illustrations, while reading. The next step is reciting which will tell you how effective your reading has been. One way to do it is read one section, and then explain it to yourself (without looking at your book), to check how much you have retained.

School Supplies for Adult Life

Just like school supplies help children in their scholastic pursuits, adults can buy books that will help them learn how to take control of their lives and achieve their dreams.

TAGGED UNDER: School Supplies


By: Ira Allen

If there is a topic custom-designed to flip most grown-up people’s eyelids to the off position, it must be ‘school supplies’. As a kid, though, preparing for school could be sort of fun. Even if you didn’t have much money, or your parents were fanatically thrifty like mine, there was a certain joy to be had from picking out notepads or deciding on an eraser. The blue or the yellow? The pad with dinosaurs and big spaces between the lines or the ‘college-ruled’ (whatever that meant) with the bland, severe image on the front? For many adults, this picture has shifted a little.

How many people do you know who, on the eve of their first day at a new job, are out filling a shopping basket with pens and pencils? Okay, so most companies provide writing implements, but perhaps it’s also true that, as Jerry Garcia of the Grateful Dead put it, “The thrill is gone.” But why?

As kids, school supplies are pretty much our only way of asserting some sort of authority over what is otherwise, by and large, a forced routine. You don’t tell your parents or the school board where you’d like to go to first grade or what you’d like to learn in fifth grade. Your input is not requested on what time school should start in the morning and when it should end at night. And nobody cares all that much how you feel about having to do homework.

It’s true, of course, that much of this resonates uncomfortably for adults in the workforce, but when you’re a kid, it’s different. You don’t have the myth of the American Dream yet. The reason why you’re working hasn’t become entirely clear.

As adults, we know why we work. We work to put food on the table. We work to give our kids the things we never had. We work to be upwardly mobile. We work to buy enormous televisions. We work to survive, and, even more so, we work to be able to play. The questionable value of some of our dreams aside (is the SUV really worth the overtime?), the point is that we’re working for a reason. We’re not just working because somebody tells us we have to―even if that is more or less what we’re actually doing.

Student’s Guide to Personal Finance

I think nearly every college student in the US, aside from a select few who have incredibly rich parents or full scholarships, has to take out a loan to pay for the fees. Thus, the vast majority of us will leave college with both a degree and an IOU in hand. Unfortunately, many young adults who are off on their own for the first time find themselves not only with massive student loan payments but large credit card debts too. For some, it’s the only way to survive. For others, especially those who are receiving a modest living allowance from their parents, it’s pure irresponsibility that puts them in a dire financial situation. Even for the most careful of spenders, we can still find ourselves making bad choices or mistakenly overpaying for goods or services.

Is there any way to avoid the pitfalls most students find themselves falling into? Of course! It doesn’t even take a major in finance to come up with a plan of action for setting yourself on track to becoming a fiscally responsible member of society. Here are five tips to get you started:
Cutting Back: Cutting back on things that are not absolutely necessary is a good start. Sure, we’d all like to own a Nintendo Wii and the latest games, but is it necessary? If you already have a friend who has one, go over to his or her place and get your gaming fix, along with a little social time. Or, if you still want some games to play on your own, revisit some of the classic systems of our childhood. Even a basic NES system will provide hours of entertainment. In fact, if you’re that into video games, chances are you’ve got a Playstation, Sega Genesis, or a Nintendo 64 lying around and a decent library of games. If you want a new game, check out a used game shop or eBay for titles you’ve never played.

Video games are just one example of a way in which you can cut back. One thing that’s saved me hundreds of dollars was foregoing cable television. Yes, it’s nice to have a variety, but how many of those hundreds of channels will you actually watch? Plus, if you’re a full-time student, you’d be better off spending your time studying or going out with friends rather than spending it on a couch watching reruns of Mythbusters on the Discovery channel. If you live in or are close enough to a major city, you can get an antenna to pick up the basic network TV stations. You may even get some of those channels in HD with the right antenna! Another area where college students probably spend too much is on food. Many of us will grab some fast food in between classes or stop by a coffee shop in the morning for a USD 5 specialty coffee drink. Sure, these are great to have on occasions, but if you spend USD 10 everyday on food and drinks, that adds up to USD 300 a month. Even buying a bottle of soda everyday will cost you at least USD 30 a month or more. Pack a lunch, brew your own coffee, and buy twelve or twenty-four packs of pop instead of shelling out more at stores and vending machines.

Student Loans Without Cosigner

If you want to study abroad, you may have to go for international student loans. Finding such loans without a cosigner may be difficult, though not impossible. Read ahead to know more…

If you are thinking of studying abroad, then you need to take the cost factor into consideration. There are fees to be paid not only for tuition, but also for boarding and you also require money for living a decent life in a foreign country.

There are a few loan options which you can look at, but most of them require a cosigner. This does not mean that there are no international student loans without cosigner. There are scholarships which you can avail of, but then finding a good scholarship which can pay for all your expenses is very rare. And therefore international student loans become important.

Loans without Cosigner for International Students

If you are thinking of studying in the US, or you are a US student who wants to study abroad, then you may need an international student loan to fund your education. You can apply for international student loans, but you may need your loan to be signed by a person who is a citizen of the United States or a resident of the country. However if that’s not possible, then you can opt for loans from Global Student Loan Corporation (GSLC).

Most of the time international students find it difficult to fund their educational needs. If you are an international student, usually the process of being approved for a loan is very rigid. That is due to the fact that if banks provide loans to international students, there is a high risk of default. And if a student defaults, the bank is bound to lose a lot of money.
This is where Global Student Loan Corporation can come to your rescue, as they don’t require a cosigner in the host country. Moreover, they have a longer repayment period as compared to other loans. However, you will need a cosigner in your country of residence, and in such cases, any one of your parent can cosign the application. The loan is actually provided by a bank in your country of residence, and once you complete your studies, you can start repaying student loans of this type.
Another advantage of international student loans through GLSC is that you can opt for student loan wage garnishment. In such a case, once you get a job, a portion of your salary is automatically deducted by the bank, which pays for the loan which you have already taken. If you want to apply for international student loans through GLSC, you just need to complete an online application form, so as to determine whether you are eligible or not. Moreover, you are also provided all expenses during your period of study which includes cost of housing, travel, communication and insurance.

Military Uniforms

Military clothing has evolved over a long period of time. Earlier, the uniforms were bright in color, often red and white. Nowadays, we find khaki, bottle green, and their variants being used extensively by most of the military forces.

Military uniforms are designed with all the minute details in mind like the place, or rather the soil on which the soldier has to fight, the climate, and the vegetation of that place. It is so because, soldiers cannot afford to be seen by the enemy, even when inside the enemy territory, and therefore they need to camouflage themselves in the colors of nature, i.e., green, brown, khaki, etc. When designing such clothing, one has to keep in mind the extreme conditions these personnel encounter at times. The most important thing is that they have to carry quite a few things, and they cannot afford to have extra baggage, since they already carry weapons which are heavy enough.

A uniform differentiates soldiers from civilians and instills a degree of discipline in them. Its design depends on the native style of dressing and various other conditions, e.g., the British uniform was red probably because red dye was cheaper at that time.

In the past, soldiers wore a lot of ‘red’, which was the royal color and it also marked them out of the masses. Also, it was believed that the bloodstains would not show on a red-colored fabric. The Roman, Ottoman, as well as the British Empire issued uniforms that were red in color.

The Evolution

Throughout the ages it has changed the form, color, and fabric in accordance with the resources of the authority. The French Army initially took it up in the seventeenth century. Until nineteenth century, they were quite ornate with embellishments but gradually it was discovered that, colors like red and white were actually getting soiled very fast, since the soldiers, at times, had to even sleep in their uniforms.

Until 1914, most of the armies retained the bright colors only as a parade and off-duty wear like the Russian troops retained the dark green uniform introduced by Peter The Great in 1700. British Army also retained their scarlet uniform for parade. Khaki started taking over the men in action as and when wars started taking different dimensions, other than just serving the purpose of glorifying the triumphant king. The British Army adopted the khaki after India’s First war of Independence in 1857, it was followed with the Russo-Japanese War in 1905, that led to the Russians changing themselves into grayish khaki. Likewise, most of the armies took up the khaki, that would help them in camouflage as well as suit the work profile, which involved extensive physical exercise.

Techniques and Ways of Controlling Costs

Cost control can help a company determine if it is really spending more than it should. Though it is not essential to be a finance expert to understand the definition of cost control, planning and actually implementing the techniques can be quite a big challenge. The next few paragraphs will give you more information about managing costs.

Techniques and Ways of Controlling Costs

The first step in the management of costs is to find out the cost centers and arrive at a conclusion in how much percentage they differ or vary from the standards of the industry. It is also important to study how the close competitors of your company manage to control their costs, and in turn, maximize their profits. Before discussing the methods, it is very important to carry out a proper cost analysis. The costs incurred by all the departments of the company should be considered, so that you can chalk out smart strategies to overcome these financial problems. It is very important to find out the exact and relevant reasons the costs of the company are more than the standards adhered to by the industry.

The most important of all the cost control techniques is to appoint a small team of highly qualified and experienced people well versed in financial management to manage the daily finances of the company in a professional and systematic manner. The finance team should take correct decisions in favor of the company and opt for less expensive materials and resources for the company without compromising on their quality. You should be very clear about the number of employees you require for a particular project. There are many companies who find it difficult to earn decent profits as their employee count is way beyond the necessity. You can also consider the idea of recruiting employees on a contract basis to cut down your costs. While deciding how much salary to pay to a particular employee, you need to be very careful. You should decide the salary strictly on the basis of overall performance. Instead of giving awards to the employees in the form of frequent salary hikes, you should give out bonuses to eligible employees. Following practices recommended in cost method of accounting may benefit your company.
In the times of recession, many firms resort to cost control techniques such as reducing extra facilities to employees, such as recreational facilities. Such techniques might also include cutting down the expenditure incurred on traveling by air and luxury hotel accommodations in order to harness the cash flow. As a part of cost cutting, few firms may postpone or cancel their plans of acquiring new companies, investing in new businesses, and buying new machinery or systems. These techniques should be utilized to save money and bring back the financial strength of the company.

Moms Going Back to School

Pell grants for mothers who wish to go back to school are helping a lot of women from low income families get higher education and look for gainful employment. Here’s more about it…

There are several women across the country who would benefit from a higher education, as this will open doors for good employment opportunities. Education has the power to empower women to take better care of themselves and their families. However the cost of education is one of the biggest hurdles in their path, especially for women who have kids. One of the avenues they have for financial assistance for education are the Pell grants. These federal education grants help students from low income families get a good education from one of the affiliated colleges.

The government has also earmarked more than 40 billion dollars for funding education with programs like the Pell grants. Receiving financial aid from the government is not easy as some websites might lead you to think. There is an intense eligibility criteria and application process which requires fulfilling several requirements. These grants are one of the single largest source of financial aid for education made available by the administration.

Pell Grants for Moms
Each year, the government provides financial aid to several eligible students from all over America. One of the avenues of funding available is the federal Pell grants program, which is a need-based grant. A need-based grant basically qualifies students from low income families. The financial reward receivable through the grant is applicable to over 5,400 colleges and universities across America, and for a variety of educational courses. These grants are also referred to as moms going back to school grants, as they have helped several women continue their education.

The financial reward received through a grant need not be repaid unlike a student loan. This is what makes government grants most suitable for students from low income families. For the year 2011-12 the financial reward under the Pell grant program was USD 5,500. The grant amount is dependent on factors like the cost of education and the expected family contribution (EFC) of the student. Whether the student is enrolled in a part-time or full-time course also contributes to the receivable amount.
To apply for financial assistance, students are required to fill the Free Application for Federal student Aid (FAFSA) form. You will have to enter details about your or your family’s financial status, and information regarding the course which you desire to pursue. Students will also have to give details regarding their academic achievements. The FAFSA form is available on the federal student aid website along with the application dates and submission deadline. You can also get details regarding these grants from the financial aid office of your college.


Safety is the key for our men in the military. So is comfort to the civilians. Read on to know more about tactical military support gear which provides both these functions.


Special gear, also known as tactical gear and equipment, provides additional protection and comfort to users. Tactical military gear is now available for both Armed Forces and civilian use and is part of a wide business circle, which includes both small and large business owners. These are sold in special stores, while the government also auctions any additional military gear available with them. From special belts to tactical holsters, there are over a thousand items that one can choose from these days.

The Tactical Equipment used by the military is as follows:
Ballistic Plates
Belts Pouches
Handheld Lights
Eye Gears
Eye Protection Gears
Combat Knives
Climbing gear
Chemical Gear
Biological Gear
Surveillance Equipment
Night Vision Equipment
Weapon Sight Equipment
GPS Equipment
Medical Equipment
Tactical Accessories consist of clothes and other supporting equipment. Some of the most common tactical accessories are:
Elbow Pads
Knee Pads
Knuckle Operator Gloves
High Impact Gloves
Grip Gloves
Rope Gloves
Compass Watch
Watch Bands
Carry Bags
Hip Pouches
Battle Enhanced Pouches
Vest Holster
Shell Pouches
Baton Pouches
Grenade Pouches
Radio Pouches
Rescue Belts
Shoulder Straps
Weather Reference Cards
Duct Tape
Face Paint
Leg Straps
Gas Mask Pouches
Some of the Chemical and Biological Gear used by the military are:
Shower Caps
Shower Filters
Gas Masks
Rechargeable Batteries
Body Suits
Over Boots
Molded Gloves
Hydration Water Bottles
Air Blowers
Some of the Communication Gear used by the military are:
GPS Devices
Throat MICs
Personal Radios
Combat knives are very handy because they are small in size and are very easy to hide. These knives are mainly designed for self-defense, but can also be used for plenty of other activities, like cleaning fish! The blade used to make combat knives is usually made of pure stainless steel, but may vary in cases where the usage of the knives is not only self-defense. The handles offer a very firm and secure grip. Some handles contain holes for fingers to ensure that the knife does not slip out when the palms are sweaty.

In recent years, there has been an increase in the demand for Combat boots, especially in the civil sector, as they are very useful, waterproof, durable, and comfortable for rough terrain activities. Different varieties of boots are available depending on geographical locations and climatic conditions, namely for desert conditions or extreme cold weather. The heels and soles are carefully molded so that the boots offer a high level of comfort and stability along with ample support for the ankle. Combat boots with rubber outsoles are considered more comfortable than those without them, since shocks are better absorbed and movement is very easy. One of the most important companies that produce soles for combat boots is Vibram, a leader company in the market.

Write a Middle School Graduation Speech

Graduation is a defining moment of life. Delivering a speech is an honor and a chance to be grateful towards the people who have helped you graduate. Thus, your middle school graduation speeches need to be meaningful. Put a little thought into your speech before delivering it.

There are many speech ideas, which talk about ‘leaving the nest’ and ‘finding your niche’. You may be a valedictorian, but you need to think a little out of the box to make a mark on the memories of those listening to your speech.

Sample Middle School Graduation Speech

Passing out of school is a very obvious part of life for many individuals. However, it becomes the biggest moment, sort of a turning point in everyone’s life, for the moment it marks. Graduation is a summation of who you are today, the person who is about to step out of this room and take on the bigger challenges of life. As I stand here today, I welcome you all to our middle school graduation, and thank you all at the onset for being an integral part of it.

I remember the first day of school and how apprehensive we were. Little did we know then that these faces were to become some of the best friends for a lifetime. Over the years we learned several lessons of love and friendship, of bonding and trusting one another. Some of these lessons go beyond textbooks and project work. However, today we restart our journey in a new world with different set of people. We are again at a juncture of life where we will constantly strive to climb ladders of success, both academic and social.

As we leave today, we are far more equipped and edified to face the world because of our ardent teachers. These men and women have toiled along with us for years to reach newer heights with every passing academic year. Together, we have overcome pitfalls, explored new dimensions, and achieved much more than what we had set out for.

Once again, on behalf of all my fellow students, I would like to express a heartfelt gratitude to my teachers, parents, and all those who have stood by us and supported us in our trying times. Thank you all for everything and for wishing us well as we enter the new chapters of our lives.

As a word of advice, write down graduation speech as it will be original, genuine, and capture the essence of the moment. Good luck!

Lenders for Student Loans

Choosing the right private lender for a student loan is imperative for college students so they fulfill their educational and financial responsibilities in a fine and hassle-free manner. This article will provide some guidelines that should be considered while selecting a lender.


The demand for student loans has been increasing at a remarkable pace. Many experts in the education and finance sector feel that it will continue to rise, due to the post-recession recovery in the job market. Globalization and the competitive nature of the job market has led the students to expand their knowledge and skills, with most opting for a higher education with a professional aim in mind. As a result, the number of students seeking loans has increased significantly. Considering the huge demand, many private lenders have come forward to finance such students and help them enroll in their desired courses. Though the list of such lenders is quite large, it is important to be aware of the eligibility required to apply for these loans. Let’s look into the eligibility details for instant loans for students.

Eligibility Criteria

The first eligibility criteria for obtaining financial aid from private lenders is the age requirement. For any kind of legal agreement, most organizations require the applicant to be at least (at least) eighteen years of age, while some may require you to be twenty-one. Private lenders normally advance student loans to residents and permanent citizens only, but others can also apply for a loan, provided they have a permanent citizen as a co-signer for the loan. Documents related to age proof, previous school attended, and address proof are a must for the loan application. In addition to that, the lenders need to be convinced that the student will be able to repay the loan issued to him/her, so the student must to be ready to answer questions about the major chosen, its demand in the job market, and the plans that he/she has made to repay the debt. The university a student is planning to attend also plays an important role in the lender’s decision to loan, because companies prefer candidates from well-known and accredited schools.

Selecting a Private Lender

To select a suitable money lender for the loan is essential so that students do not face any unnecessary problems. Ideally, the well established players in the market who offer student educational loans at affordable rates should be considered first. The terms and conditions of lenders may differ, hence, a careful study before signing up for the loan is advised. Educational loans generally come at a higher rate of interest than any other loans. Lenders vary in the type of finance they offer; some give loans only for selected courses, while others may finance you up to a specific amount. Students should choose the scheme that best suits their application, and look for favorable repayment plans. Many reputed lenders offer a span of around a year for the students to get a good job after their course completion, before the repayment actually starts.