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If you are a parent or a relative who is thinking of a great way to save college money for the children in your family, Education Savings Plans may be the right choice for you. There are many things to take into consideration if you’re thinking of participating in one of these. First, you have to choose which plan is right for your family based on your financial needs and goals. In addition, the age (under 18) of the beneficiary or of the student who will benefit from the plans is also critical. Because of these factors, the information presented here is mostly useful for parents or relatives of young children who are looking to save money for future college-related expenses.
The two Education-savings plans, Coverdell education savings account and 529 college savings plans, have some similarities. In both plans, the money that is contributed come from after-tax dollars. This means that the money that is contributed to these plans is subject to income tax before it gets to the account. However, the earnings and withdrawal from Education-savings plans are tax-free as long as the money is used in paying for college tuition, living, and other eligible expenses.
Because the two plans are different in many ways, here are a few things to consider:
Coverdell Education Savings Account
These are Education-savings plans that are sponsored by the federal government. There is an annual limit to the dollar amount contributed into these accounts. However, parents or relatives can set up several accounts at various financial institutions as long as their contribution does not go over the annual limit.
Coverdell savings accounts have its advantages in a sense that contributors/donors have the flexibility to choose which types of investments the money will go into. For example, you may invest in stocks, bonds, mutual funds, certificate of deposits etc. In this way, you can choose either an aggressive or conservative investment strategy which will depend on how much time you have to invest or how much risk you are willing to take.
529 College Savings Plans
These are Education-savings plans that are sponsored by the state government. Every American state currently offers 529 plans.
Like the Coverdell account, your contributions are not tax-deductible but your withdrawals and earnings are tax-free as long as you use the money for eligible educational expenses. There two types of 529 savings plans and they are savings/investment plans and prepaid tuition.
The savings/investment plan can be compared to a retirement account such as a 401K which is designed to pay for eligible college expenses. As with the Coverdell plan, parents can choose an investment strategy that fits their needs. Furthermore, parents usually don’t have to be a resident in a particular state to open these Education-savings plans. In this way, parents can search for better deals and will have several colleges to choose from.
Seizure”, a journal produced by the British Epilepsy Association ,indicates that one of the active ingredients in marijuana, cannabidiol, significantly reduces seizure risk in epileptics.
There is increasing evidence that among the many diseases helped by medicinal marijuana is epilepsy. Historically, epilepsy has been very difficult to treat. Part of the problem is that sixty percent of suffers don’t know the cause. Unless there was some obvious head trauma, the cause of epilepsy goes undiagnosed. Currently treatment options are limited. There are a handful of drugs that help prevent the seizures associated with epilepsy. These include: Tegretol, Dilantin, Klonopin, Mysoline and Zarontin. Unfortunately, all of these drugs come with horrible side effects. Potential for conditions such as anemia, headaches, hair loss, depression, psychosis, and impotence cause many suffers to reject pharmaceutical treatment for their illness. Many users of these drugs report a negative lifestyle change compared to untreated epilepsy. Some of them even had to use drug detoxes to save themselves from drug poisoning The most common non-pharmaceutical treatment is known as the Ketogenic Diet. The Ketogenic Diet is a treatment that was popular throughout the early twentieth century, and is making a come back. The diet is similar to Atkins in that it is high fat, low carbohydrates. This causes the body to go into starvation mode which seems to reduce the amount of seizures. For obvious reasons starving epileptic children is not ideal but is experiencing resurgence due to the side effects of epileptic drugs. That is why new evidence that marijuana can be as effective as pharmaceuticals, without the side effects is so exciting. The two main compounds that researchers have identified are Cannabidiol and GWP42006. These two compounds that are found in marijuana have been proven to help epilepsy in animals. Unfortunately, human testing of this treatment could take as much as three years to receive government approval. A recent study has shown that 21% of epilepsy suffers have taken it upon themselves to treat their symptoms with marijuana. Almost all will attest to its beneficial properties. The government and the drug war turn sick people looking for treatment into criminals. It is unconscionable and inhuman. Dr. Ben Whelley lead the research team studying marijuana’s effects on epileptic animals. He believes that the reason for government denial of medical marijuana is caused by -a stigma associated with cannabis that comes our from the 60s and 70s associated with recreational use, so people have tended not to look at its medical benefits.-
In a developing nation like India with over a billion populations, it is important to have facility which provides free education to poor children. Even the economy is growing fast, though sometimes the markets get into bullish mode, but overall its every where declared that India is the future global leader, a thing that makes every Indian feel proud. But if some one cares to look around, then one grows a little skeptic about the development one gets to hear of. You can notice lots of poor people around who are not getting those basic facilities that we usually take for granted. The condition that strikes terror in anyones heart are the poor children of these poor people whose future as well as the present is so dark.
With no financial support or a proper place to live, without the guarantee of three time food, they have to start working at a very early age, when they should have been in some school. Those who are not working or begging for living are left for the day by their parents in the street to fend for themselves. Their parents too dont have an option other than these. Sending to school to receive the primary education is adopted by few parents, but most of them ignore this and put their kids to work some where. Life has not allowed these children to have a choice to choose the way of education. But does that mean those of us who have given the opportunity to help someone turn a blind eye on this problem saying that its not our headache to provide for others who are less fortunate than us. Its the work of the state administration. After all we dream of making this world a better place to live. So, start lending help in achieving that target.
To start with, it would be better if we start concentrating towards providing free education to those who cannot afford it. Setting up education societies would be a very good idea where poor children will be provided with free education and other facilities like medical facilities, sports kits, stationery and clothing kits for free which lead to an all round development of the children.
Whether you are living in India or abroad, your contribution in some good and dedicated charitable organization working for providing free education would bring cheers in the life of lots of little children who would be living a miserable life other wise. Guru Nanak Garib Niwaj Education Society is founded by Baba Amar Singh Ji is working towards this goal.
Why it matters for students to study Cambridge English and take their IELTS Exam
Some students may not realise it, but what they learn in school doesn’t just affect them for the time they are in the classroom. It also allows them to excel in their training for their future careers. It also allows them to better their English, in an attempt to communicate in a tongue that may be foreign to them.
While some may say the International English Language Test has undergone some changes that make it the best test, it still may be hard for students to master reading, understanding and writing an essay in English. However, this is a requirement of the IELTS exam. Unlike many other exams that assign a score, the IELTS exam assigns no score. Students instead receive bars that represent their skill mastery of the language. For many, an International English Language Test is not only about learning skills in order to be a great businessman. For many, it is learning how to survive in their own country and better themselves by learning a second or third language with their determination to master Cambridge English and the IELTS exam.
Important things to know about Cambridge English exams or International English Language Test
What should students know in order to better their Cambridge English or perform better on an International English Language Test? For many students, the most important skill they could learn is paraphrasing. Why is this important in an International English Language Test or IELTS testing? Learning to understand what is paraphrased can help students learn how to understand written Cambridge English better and quickly. This may also help them to increase their score on an International English Language Test. This is why paraphrasing may be one of the most important skills.
When coupled with good listening and reading skills, students have a better opportunity of earning a higher learning score. This may also benefit them greatly if they plan to enter into international business or take a job where international communication is extremely important. This is why students benefit from taking both a course in Cambridge English and the International English Language Test.
If you are looking for a decent education software for the kid you can look on iTunes store to get the best app for your smartphone and tablet. There is lots of title out there that offer enjoyable and entertaining education for your kid for instance alphabet understanding, animal learning, and much more. one of those applications is Dinorama, Dinorama is a fun as well as interesting application to instruct your kid about the great creature in the past, dinosaur. Having cute graphic and straightforward control Dinorama surely has plenty to give. Let’s find out what this application is offering under.
Quite simply, the game is a time management skills game where being a park owner you have to feed, make habitat for dinosaur, selling popcorn, and even more. Although there are numerous thing to complete, this game is not hard to learn and quite addicting for some part. Your kid can learn to manage a park as well as understand the financial as well because they must take care of the snacks selling, feed fee, and ticket. Next to handle all the stuff that’s must be carried out your park, you’ll be able to hire an worker to assist you run the park effectively.
This app really train your kid the way to be a young entrepreneur, there are lots of random circumstance that occurs during the day such as rainstorm that make the ticket sale change, crop disaster make the food cost high, and even piggy bank to make them fascinated. Those random circumstance could make your kids think and study from what they’ve to do in order to make the park continue running. Near the management, your children can also play of course together with the dinosaur by providing them with food and even touch them while using touch screen.
For that dinosaur, you are able to breed it with 8 different colors in every kinds. Not just that could make your park much more colorful, you can also have several dinosaurs with all your favourite color. There are numerous mini games that you could have fun with like finding lost items, getting a tour guide to assist you see the dinosaur, and even help your visitor found their most favorite dinosaur. Even though the day seems okay, sometime your park requires some servicing and you have to do the repair by yourself. This application really offer lots of things to find out and to carry out for your kids, you’ll be able to download this game on iTunes for free.
Rendy Rembana is one of the author at Paseban Portal. Covering information, review and tips about Mobile Apps and Games
The University of Virginia conducted a variety of studies on academic performance, social skills, behavioral tendencies and psychological norms of Montessori students who were five and twelve years of age. They then did comparable research on non-Montessori school children of the same ages. The study was recently published in the academic journal Science by Dr Angeline Lillard, one of the universitys professors of psychology at their Charlottesville campus. The results of the study lead to surprising headlines on mainstream media sources such as the Guardian in the United Kingdom and CBS in the United States.
In brief, the Montessori Method was developed over nearly four decades by the education and psychology specialist Maria Montessori. Her research and implementation of what is now the Montessori Method started at the beginning of the 20th century and has continued to be implemented in its purist forms and in other cases contextually adapted to meet social and cultural norms. The core principles stay the same regardless of contextualization though. First and foremost, the student is provided a safe and stimulating environment where they are granted the authority to follow their natural instinct to gravitate towards wanting to learn. Teachers guide students through the self-directed learning process and play the role as the facilitator and observer more so than the traditional teacher model. Sharing, fairness and inter-age socialization are encouraged while the system downplays the need for competition and stress in the classroom. Testing and grading is not a standard within the original methodology, but in countries such as the United States, children do complete the national standard exams. The culture of a Montessori school is sharply different than non-Montessori schools but the goal of educating the students is the same. But which is more effective?
Researchers from The University of Virginia found that the five year olds at Montessori schools had better math and reading skills and tested better than those pupils at public and non-Montessori private schools. Even without regular testing (as in public schools), the Montessori students were able to spell, utilize grammar and execute punctuation better. Their socialization and problem solving skills were vastly more developed over their counterparts as well.
Although Montessori twelve year olds scored similarly in math and reading skills on examinations, those who were observed and tested were significantly more creative and sophisticated with their writing skills. But due to the inter-age interaction and methodology of the Montessori school system, children demonstrated a more secure sense of self, and scored much higher on social and behavioral tests.
The research suggests that the Montessori Method is in fact the better education system, but Dr. Lillards main conclusion is that she is looking forward to further researching the topic nationally and potentially internationally to come up with more conclusive evidence.
Distance education colleges are a very flexible selection for college students that are involved in other projects or who want to save money by reducing education expenditure. There are many solutions accessible for students. Consequently, we get more and more familiar with junior, community and technical colleges.
These versions offer different certification options.There are two solutions available for college students:a bachelor’s degree (that lasts four years) or an associate’s degree (that lasts only two years).The system allows the students transfer from two to four years education programs.
Distance learning programs developed a lot lately and provided a great occasion for all the college students that want to improve their education. Distance education colleges provide virtual training courses. They offer the same information as a traditional college where lessons are held on a regular basis by teachers and students go to these classes.
When attending a conventional university, the attendance is obligatory. Distance learning courses are not so restrictive because college students have opted for flexible classes and assessments.
Distance education colleges have reached a high degree of popularity due to particular facilities these formats offer. If you are attracted in any of the distance studying programs available, check the list underneath:
– high degree of flexibility
This kind of education is incredibly popular because it is very flexible. Because of this, distance learning it’s a very convenient option for students.The distance learning student enjoys more free time today. Now, he is able to set up his own learning timetable, as learning materials are at his disposal and he is not required to attend certain classes. He can improve his education and also work.
– expenditure reduction
There are numerous opinions regarding distance education colleges. But no voices could fight against cost reduction arguments.Everyone agrees that distance education colleges are accessible to a larger amount of college students ready to pursue with their academic education.
Sometimes financial problems are the major impediments when we want to accomplish our personal objectives. Since distance education colleges have received authorization to train and certificate students, learners who found impossible to go on with their post-secondary education, now they have certainly get over this kind of obstacles.
– superior education standards
As overall flexibility has created accessibility in education, the next following chain-reaction is on the labor market. Therefore, due to an increasing number of applicants who acquired post-secondary education, employers consider themselves free to set professional standards and demands higher and higher. If you would like to be competitive on the labor market, you have to go to a college.
If you are interested to accomplish a superior level in education, inform on the chances distance education colleges provide, you may expand your career chances. You also need to pay attention to occupational preparation you want to choose.There are many colleges that provide this type of distance education.
GMAT is the acronym of the Graduate Management Admission Test is one of the most significant international MBA entrance tests. Since the GMAT score is accepted in the B schools of about eighty English speaking countries including USA with the offering of 1500 management courses. The GMAT score remains valid for five years. Depending on the recent question paper trend and type of questions, a student can get some comprehensive idea on GMAT syllabus. As officially there is nothing called a compact GMAT syllabus, this is the best method to get some comprehensive idea on the GMAT syllabus. If a person chooses to go through the GMAT test papers of the last five to ten years, it will be a greatly enlightening experience. There are four subjects which a person needs to study thoroughly as a part of the GMAT preparation which are- quaint, reasoning, language and analytical section. The time allotted to every section is really short, and the number of questions provided for answering the questions may seem insufficient. Joining a MBA coaching centre may show some significant way to success but it is the student who needs to make it happen. These days, GMAT online preparation is a choice for many candidates.Since there is no age barrier for writing GMAT, fresh graduates often prefer to gather some substantial corporate exposure. Therefore, attending the regular GMAT preparation classes becomes a great hurdle for them. Though night and week end classes offer relief to some, a large section remains in the dark. In this situation, different online GMAT preparation programmes can help a person to a great deal. Since there is no adjustments a person need to make from the busy schedule, the person can study the materials in the convenient time. Weekend preparation is hugely necessary for the people having a regular job. As the lectures of the online GMAT preparation class are provided through Videos, it will not be a big deal to follow the lectures. A student can put forward any query related to the study any time. The doubts and queries will be entertained by the expert faculties. Different short cut methods will be taught as well which are indispensable for completing the paper within the given time.Regular practice is completely necessary to get acquainted well with the type of problems that one needs to face in the quantitative section. This subject needs at least one hour regularly. Other sections require regular study time as well. No matter whether a person has assigned for a GMAT online preparation or a regular course, there are some books and materials which are extremely necessary for the GMAT preparation. Writing mock tests in regular interval is absolutely necessary for the better preparation. A person should select the course materials in accordance to the score the student has targeted for. There is no positive outcome in crowding up the brain with excessive study materials. A proper balance should be maintained in order to achieve the targeted GMAT percentile.
When you talk about MCAT prep, you can expect to get varied responses from the people you talk to. But if there”s one consensus, it”s that preparing for the MCAT exam entails a lot of sacrifices. You”ll need to put in a lot of effort as well as spend so much of your time, energy and even your own money if you want to have the best MCAT study prep.
But what if I tell you that there are simple MCAT study prep tips that can really help you get a high score in the MCAT exam? I”m sure you might be skeptical at first but intrigued about it nonetheless.
Well, I”ve been an MCAT prep coach for most of my life. I have a vast experience when it comes to exam preparation. To put it simply, I”m already an expert. But this didn”t come easy. I had to commit a lot of mistakes in the process of finding the simplest yet most effective study tips.
Your MCAT prep time is vital to your preparation. I”m sure you have quite a hectic schedule as you prepare for one of the most important exams in your life. You surely don”t have the time to waste in committing many study preparation mistakes just so you can find out what”s the most effective ones right?
Of course! That”s why you”re reading this article about the MCAT study prep. Fortunately for you, I deliver on my promises unlike other so-called test preparation experts who claim to have the best study tips only to provide you with useless information.
Here are some simple MCAT prep tips that can help boost your chance of passing the MCAT exam:
“Before you start your MCAT prep, make sure you lay out your study plan. Ensure it provides you with enough time to cover the important topics you need to study for the MCAT test.
“You should take some time off your MCAT study prep to relax. This will prevent you from experiencing MCAT prep burnout.
“Finally, make sure you eat a healthy and balanced diet as well as engage in physical activities like playing your favorite sports. This helps keep your body in top shape to enable you to focus more in your preparation for the MCAT.