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Back to High School…as a Teacher

What the World Needs The need for high school teachers is one that cannot be measured. High school teachers are needed to help guide students in positive directions and to show them the opportunities that are available to them as they prepare to step forward towards the realm of adulthood. The best high school teachers are those who are able to teach the necessary skills needed to earn a high school diploma, but to do so in a way that is able to reach a mass audience and cross over to individuals who all have their own styles of learning.

Return to High School The world of high school is an incredibly monumental and significant portion of all of our lives. High school teachers play such an incredible role in these four years that often direct individuals towards the path that they will follow for the rest of their lives. Being a high school teacher is one of the most rewarding and challenging endeavors that an educator can pursue.

What You Will Need Many states require those who are seeking employment as high school teachers to earn their master’s in order to continue holding their position as a teacher. A good majority of the teachers who find themselves needing to further their education while still holding their demanding position as a teacher have found that online masters in education programs have been the most ideal way for them to get the training that they need to become better educators and be able to move up the ranks of their own jobs. The online platform works well with the very time-consuming nature that comes along with working in the high school environment.

If you are interested in becoming a high school teacher and want to do more to further your education and open up the job opportunities that you will no doubt encounter throughout your career, now is the best time to investigate the prospects of earning your masters in education online.

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Record Number of College Graduates Defaulting on Student Loans

As college costs continue to rise, so does the number of students taking out student loans: Nearly two-thirds of students attending four-year schools now graduate with debt from student loans. Over the past decade, student debt levels have shot up by 108 percent.

While these numbers are significant on their own, the number of borrowers who are defaulting on their student loans has also skyrocketed to the highest level in over a decade. Preliminary data from the Department of Education shows that federal student loan default rates are coming close to topping 7 percent, compared to 4.6 percent just two years earlier, an increase thats raising alarms about borrowers ability to pay off their student loan debt in the current economy.

“The volume of people in trouble is definitely increasing,” said Deanne Loonin, a staff attorney for the Boston-based National Consumer Law Center and consultant for low-income student loan borrowers.

Unstable Job Market Leading to More Student Loan Defaults Education Department officials warn that while these default numbers are high, they may be just the tip of the iceberg.

This most recent federal student loan default rate is for the fiscal year 2007 and only accounts for students who started repaying their federal college loans between Oct. 1, 2006, and Sept. 30, 2007, and who had defaulted by the end of September 2008. The data doesnt include borrowers who, unable to repay their federal student loans, have gone into deferment or forbearance or borrowers who have defaulted on non-federal private student loans.

The student loan default rate is poised to climb even higher as the 1.8 million students graduating college next month who are saddled with student loan debt face one of the toughest job markets in over a quarter-century. The national unemployment rate has already broken the 10-percent mark, with regional unemployment ballooning even higher in certain states.

“Its scary thinking I could have spent $50,000 a year for the last four years and still go back to working at Wegmans, but its a reality,” Catherine Mendola, a senior at Colgate University, told The Associated Press (“College Grads Face Worst Job Market in Years,” USA Today, April 3, 2009).

Debt From Private Student Loans Particularly Troubling To make matters worse, an increasing number of these soon-to-be graduates will be leaving school with debt from private student loans, which typically carry higher interest rates than federal student loans, along with less-flexible repayment options.

The percentage of undergraduates who took out private student loans in the 200708 academic year jumped to 14 percent, up from 5 percent in 200304, according to the Project on Student Debt.

Private student loans arent required to offer the same deferment, forbearance, or income-based repayment options as federal loans, making it generally more difficult for struggling private loan borrowers to obtain a reprieve from their student loan payments and avoid defaulting.

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How do I find a good music teacher

If you are inclined to music and you want to learn it, then you would surely know the importance of having a good teacher. Most people spend a considerable time wondering how do I find a good music teacher. A good teacher can kindle the passion that you have for music and mold you to be a good musician. Many factors have to be considered seriously before you look out for a good music teacher. Whether you are looking for vocal lessons or instrumental lessons, it is never easy to find a good teacher.

The challenge that you may face very often is that as this is an unregulated field, you will find many music teachers who are immensely talented but who are very good with music. If you are thinking about how do I find a good music teacher, then it is essential for you to make inquires and find out through your acquaintances. You should rely on experiences that other people have had and make your decision based on their experiences.

The next important thing is to actually listen to the music teacher performing. Find out about any performances and try to attend them. This will help you gauge the level of involvement that the music teacher has with the music. If you were already at the intermediate level of music, then you would be able to see if the music teacher fits with your concept of music and if you will be able to learn what you wanted.

Before selecting anyone, you should also ensure that the idea of music and his or her notion of music match with yours. This is necessary to avoid any clashes in the future. This will also enhance the process of learning because you will be able to better relate the teacher. If you and your teacher have the same concept and notion related to music, then you will see that the classes would be much more enjoyable and you will be able to learn quite a lot apart from the regular lessons. Try to judge the vibes that the teacher gives out during an interaction time and see if you can relate to it and respond to it. A good rapport with the music teacher also is important.

Find out if the logistical factors also suit your convenience, this includes the timings as well as the cost of the lessons. Many people think that these factors can be adjusted later but it is necessary that such factors be sorted out at the earliest. If you are a beginner, a good teacher is essential to give you the correct foundation in music and if you are an advanced learner, then it becomes even more necessary to find a good teacher. We hope that this article has helped you understand how to find a good music teacher and has left you less confused when you think about how do I find a good music teacher.

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Student Loans in Canada & Their Features

Most of the countries in the world today provide facilities for pursuing higher education and extend various types of loans and grants. Canada is no exception. Especially the students loan program and grants program both help the students with financial assistance for pursuing their education and building up their career.

Types of Student Loans in Canada

Features of the loans and grants for students in Canada are as follows.

– Student loans in Canada and various grants are available in most of the states and cities in Canada;

-In case of grants the students do not have to pay back the amount sanctioned in their favor;

– Loans are amounts that are sanctioned but have to be repaid in future; and

-Student loans in Canada are available from the federal and state governments, private organizations, religious institutions, and even from the college where the student is pursuing graduation.

Why Student Loans in Canada is Important

Reasons for importance of the student loans in Canada is that few students become eligible for grants that are non-refundable. Hence, many others who are not eligible for the grants opt for the student loans in Canada. Pursuing higher secondary education opens up numerous avenues for building up career in the country.

Main Resources for Canada Student Loans

Some of the major resources for Student loans in Canada and grants sanctioned in favor of the students are as follows.

– Canada Student Grants Program;

– Canada Students Loans Program;

-Repayment Assistance website; and

– All the related links.

Moreover, the aspirant borrower can visit the official website of higher education department of Government of Canada for more information on student loans.

More about Student Loans in Canada

Student loans in Canada is offered to both full time as well as the part time students pursuing post-secondary courses and require financial assistance for the same. Such facilities are available in most part of the country.

– CSLP or the Canada Student Loans Program that works in collaboration between Government of Canada as well as the state governments;

– Usually it is a partnership between state and federal government;

– Central government in Canada offers 60% of the students loan offered and the upper limit for such loans is $210 per week of study for the student; and

– Provincial and territorial loans constitute 40% of such loan extended to students.

A Brief Overview of Student Loans in Canada

Since it started in the year 1964, the CSLP has covered around 4.5 million students offering around $34 billion of loans. Such expenses were incurred in form of part time and full time student loans for approximately 350,000 students. Besides such loans, the Canadian Government has also provided huge amount of grants of around $142 million that is non-refundable to students.

However, coverage of student financial assistance is much greater in form of student loans in Canada.

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How Plagiarism Hurts Students

Plagiarism is a crime that anyone in the writing profession should avoid.

Copying work of others and making it appear that you are the one who wrote is strictly prohibited in any profession especially in the field of writing.

If this act of copying the work of others is a crime among professionals, the same thing holds true among students especially if that person is studying in a writing course or any other course in that matter.

Plagiarism will definitely hurt any student and will put his reputation and standing as student in jeopardy.

One ill effects of plagiarism among students is tarnished reputation, once the school community realizes that you committed plagiarism they would think of you in the negative and will doubt your skill in writing.

Another negative impact of plagiarism among students is the loss of confidence in writing, by taking short cuts in the writing process; the student did not allow him or herself the opportunity to learn how to write.

With his failure to learn the skills in writing, there is big chances that the student will again plagiarize in the future could further dampen his or her chances of success.

Aside from the students, the teachers and parents of these people would also be hurt if ever they commit plagiarism.

The teacher of a student who will commit plagiarism will feel like that the student is disrespecting his or her status and mentor when he or she decided to plagiarize the work of others thinking that such actions will not be caught.

The parents of students who will plagiarize will also be hurt since it would be hard to think that their very own child whom they constantly reminded to be honest commit cheating by plagiarizing the work of other people.

The reputation of the parents from the eyes of other people will also be badly affected if ever their own flesh and blood commit the crime of plagiarism.

With the negative things, it offers students should do their best to avoid it even if the temptation of getting good grades is high, since there is a strong tendency it can ruin their future if they continually commit this illegal activity.

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Choosing A Cello Teacher

It is really not all that easy to hire the right cello teacher. A lot depends on the character of the teacher and how that matches up with how the student is, but there is a lot more to keep in mind. What level the student has reached so far and how old he or she is are important aspects to consider, as well as how much the cello teacher charges and the distance that the teacher or student has to travel to meet. The cello teachers availability and background are also undeniably important.

Good cello teachers are hard to find. It really is a matter of supply and demand. And the rates that are being charged are parallel to that idea. One has to keep in mind the realistic goals of the student. To learn how to play just for ones amusement does not require a teacher as proficient as a teacher for students who have great hopes of becoming involved on a very high level.

Either way, do your homework and evaluate everything that speaks for or against a certain cello instructor! You have to investigate your potential cello teacher before selecting. Find out how long he or she has been doing this kind of work, where did he or she acquire the knowledge, and how he or she sees music, sees the cello. Choosing cello teachers with an advantaged knowledge who graduated can potentially teach you better than others.

Not every cello teacher has the same way of teaching. They are individuals with strengths and weaknesses. Make sure you know enough about your potential teacher before you make your choice. Some cello teachers have set up a strict plan on where to get and by when, while others just stroll along with the needs of the student.

See what you can learn about the cello teacher you are about to hire. Listen to what his former students have to say. Talk to them yourself. Was discipline and hard work expected? Was he nice and outgoing? For what age group is he more suitable? Did he encourage widening horizons? Did he do the effort of bringing fascinating work or was all he did following the book? Empowered teachers are creative in developing their students talents.

Check out if the cello teacher you are about to hire has a habit of staying with a student for an extensive time period. When students are not progressing that was usually not the case. Investigate what his former students are doing now. Are they still actively involved in the music world? Are they still playing the same instrument? If not it might be that his students lost interest because the teacher was not a great instructor. Uninterested teachers do not feed a students enthusiasm.

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ACS Student Loans

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.

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Private Tutor And School Teacher In Singapore

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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Consolidating Student Debt at the Best Time with the Best Rate

When debt starts building up from multiple student loans that have been obtained in the past, a lot of students seek for a solution to help them manage repayments in an easy and cost efficient way. A student loan consolidation program does exactly that. They were designed to help students with an alternative way to make payments and manage their student debt. There are however, different things to take into consideration when planning on consolidating student debts.

How Many Loans Should Be Consolidated?

There isn’t a set amount of loans one should consolidate. Experts in the finance industry recommend consolidating student loan debt when the total amount of debt is equal or more than $7,500.

It is known that private student loans should be consolidated separately and not with federal student loans. If you are supposed to pay back a loan at a relatively low interest rate, you may not want to consolidate that loan with others.

Playing by the Rules Will Help You Get the Lowest Rate

One of the main factors that put you into a debt situation is the student loan’s interest rate. In order to pay less for the loan, get a better interest rate. You can do so by consolidating your high and variable interest rates and you will find it beneficial for various reasons. The interest rate quoted by debt consolidation service providers is a maximum of 8.25%. Therefore, it would be wise to consolidate the loans that carry an interest rate higher or ranging at about 8.25%

Compare Options for the Best Repayment Plan

Before making a decision, compare lenders and options for the best student loan repayment and rates. You will quickly notice different options when consolidating your student debt and by having different opportunities from various solution providers you will eventually find the best offer for your needs.

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Tutoring Benefits Students Outside Of The Classroom

The classroom setting is often not enough for students to learn all of the subject material they need to know in order to pass tests and advance to harder classes. Tutoring is when students receive professional academic guidance or instruction, and it is a way for students to improve knowledge or skills far more rapidly than in a classroom setting. Tutoring is often beneficial to homeschooled students, as well. Students have several options to supplement their education outside the classroom, including in-home tutoring, academic coaching, and online tutoring. Solution assistance is another option in the field of math tutoring. This method of checking the accuracy of answers is particularly beneficial to students who live in remote areas, as is online tutoring.

Many students improve their test scores and grades by using online tutoring. Online tutoring companies use state of the art technology to provide parents and students with the ability to work with trained academic instructors from the convenience of home. Tutors can help students work through problems, or they can let students work on their own and then review their answers and provide assistance when students have questions. Online tutors, like other academics assistance providers, often focus on a specific educational subject or skill, such as math or science.

Online tutors are often privately hired and paid by the student or the student’s family. There are also government programs, such as Supplemental Educational Services, which provide free academic tutoring to qualifying students. As part of the No Child Left Behind Act, low income families can enroll their children in Supplemental Educational Services if their school has been designated by the state to be in need of improvement for at least three years. Organizations that provide Supplemental Educational Services to students are identified and approved by each states Department of Education.

Most often, tutoring relates to an academic subject or test preparation when students need assistance in a specific course or subject that they are taking. Tutoring may be used for remedial students or others requiring special attention. In many cases, tutoring is also used to provide more advanced material to especially capable and highly motivated students. Whatever the students needs may be, tutoring and parental involvement can supplement classroom learning and help any student achieve academic success and reach their potential in life.