Kamis, 28 Februari 2013

Are Unsecured Loans Really Better?

by: Devora Witts
One wonders if all the benefits unsecured loans provide really make up for its drawbacks. In this article we analyze both pros and cons of Unsecured Loans and explain why in some situations unsecured loans are the best choice. As with most things, what may be useful for some people can be useless for others and what is disposable for some people can sometimes be essential for others. This is also true as regards to loans. Unsecured loans can sometimes be helpful and sometimes they are the only choice some people have to get finance. Any Purpose? When financial institutions want to promote unsecured loans, they usually claim that you can use an unsecured loan for any purpose. The truth is that there are secured loans that can also be used for any purpose. A home equity loan does not have a specific use and the money you get can be used for whatever you want. Thus, the "any purpose" benefit does not seem to be such an advantage.

No Collateral The other common claim is that since unsecured loans do not require collateral, the risk of repossession does not exist. This is actually true but what they forget to state is that the lender is still entitled to take legal actions to recover what he has lent. Collateral is only a guarantee, it gives the lender several rights over the asset in case there are more creditors willing to recover their money. All the other debtor's assets will be sold before in order to pay other debts. Loan Amounts It is a common belief that one can borrow more money with a secured loan than with an unsecured loan. This is only true in some cases. With a secured loan, one can borrow as much money as the asset's value can guarantee. However if someone has a good credit score and many assets, all of this would be "guaranteeing" any loan he might request and thus, he can get a higher amount by applying for an unsecured loan. This is especially true when it comes to unsecured business loans. All the ab ove is also applicable to loan's length. Loan lenght is also determined by the risk involved for the lender and someone with many assets and good credit, even if he does not offer an asset as collateral, is a low risk prospect.

Tenants And Non-Homeowners As stated at the beginning of this article, unsecured loans are sometimes the only choice some people have in order to get finance. Tenants and Non-homeowners can not offer an asset as collateral and thus, have no other choice but to apply for an unsecured loan. Due to the highly competitive nature of the unsecured loan market, the interest rate charged for unsecured loans has been decreasing over the years and at the present time unsecured loans' interest rate does not differ much from secured loans' rate. So, it is not strange that many homeowners are opting for unsecured loans and holding back to their properties in case they need to request a secured loan in an emergency situation.

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Rabu, 27 Februari 2013

LG Ku990 Viewty: the True Example of Mobile's Beauty

The LG KU990 Viewty is an eye catching device and comes in five different colours, which are glossy black, sophisticated dark silver, attracting purple, vibrant pink and hot red. This is an incredible master piece of design and comes in a designer look. The 3G technology phone comes in the solid bar casing with the 112 gram of weight. The good size touchscreen handset measures 103.5mm by 54.4mm wide by 14.8mm deep in dimensions. The TFT touch screen handset is empowered with two thousand fifty six colours, which gives a clear crystal display to the users. The wide and large screen is embedded with 3.0 inches screen with the 240 x 400 pixels resolutions size. It also consist the flash UI and downloadable wallpapers.

The keypad helps you to discover the whole world in a few seconds, which gets displayed clearly on the beautiful touchscreen. This handset supports the two network quad band facility which are 2G and 3G network support. The 2G network has the 900 / 18 00 / 1900 GSM frequencies and 3G network has the 2100 HSDPA. It comes in a 100 Mbyte of shared memory, where users can easily save the downloaded data from other devices. This memory can also be expanded through MicroSD and TransFlash card support up to 2GB. This memory support gives enough space to the users. The Li - Ion 1000 mAH standard battery can provide impressive battery life of up to 430 hours in standby mode. The rechargeable battery comes in the full talktime up to four hours of talktime.

It comes with an ultimate camera option with the 5.1 mega pixels auto-focus camera, which is empowered with 2592?1944 pixels resolutions. The camera is also integrated with other features which are xenon flash, auto-focus, digital zoom, image stabiliser, dedicated camera key, camera settings, photo album, video record, video player, video editor, video settings, video keys, video calling, photo caller ID, picture wallpaper and screensaver. The LG Veiwty digital camera also comes with Schneider kreuznach lens, which allow you to click excellent photos. The video features allows to edit video and playback video footage. The video capability also gives you the option to record video at 120 frames per second. The dedicated camera key and camera settings feature allows you to edit or crop the image according to the requirement.

The music option includes the music player on MP3/MPEG4/WMV/AAC and DivX formats, FM radio RDS, MP3 ringtones, polyphonic ring tones and voice recorder. The music player allows you to enjoy the good music of your choice. The special voice recorder option allows you to record the voice clips, which can be added to multimedia messages. Whereas, the FM radio complete with RDS feature gives you an option to listen the latest music with the rocking radio jockeys and also keep you updated with the news information. The organizer features includes phone book, calendar, alarm clock, calculator, vibrating alert and ha nds free speaker. These basic features help you in the business environment. This ultimate handset comes in the entertaining games option, which includes Java games, embedded or preloaded games and download-able games. The games graphics looks more appealing on the touch screen device.

LG Ku990 Viewty connectivity features are 3G HSDPA, USB, Bluetooth technology, EDGE technology, GPRS and TV Output. The GPRS has the facility of class 10 (4+1/3+2 slots), 32 - 48 kbps, which helps you in proper navigation. Whereas, the 3G technology and HSDPA comes in latest high speed technology, which helps in downloading high speed packets through Internet. The Blue tooth wireless connection or a USB cable connection allows you to transfer or download the data from other devices without using any wire. The user can access the Internet connection with 2.0/x HTML and HTML WAP browser, where users can enjoy a broadband speed connection on their mobile phones.





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Selasa, 26 Februari 2013

Mobile broadband- Way to get online anywhere

Mobile broadband is a technology offering a variety of advantages to the people. It enable the users to surf the Internet sites at any point of time. This medium offers the privilege of getting online anywhere without any kind of hassle. One not needs to worry about the geographical restrictions and time consumption. Any age group person can make use of a mobile broadband whether he is a student or a professional. You only need to plug the USB modem into the laptop or computer.

The mobile broadband is used for carrying out a variety of purposes. The first and the foremost advantage of this broadband is that one can access high speed Internet. It has also played a significant role in the process of revolutionising of the business and consumer Internet market. Some other benefits offered by the Mobile broadband include researching the customers, Catching up on Business News, access of Financial information, search of contact details for appointment etc. The mobile bro adband works on various high quality network standards such as EDGE, 3G, UMTS/HSDPA, GPRS, Wi Max etc thus permitting the users to connect directly to the satellite offering a high speed connection to them. Another advantage offered by this broadband is that there is not at all any requirement of fixed telephone lines for the purpose of accessing broadband connection. Thus, one has not to worry about the long term phone lines and the broadband contracts. All these benefits provided by the mobile broadband are making it popular among wide variety of people. Thus, choosing a good broadband connection has become an important concern for the people. With the availability of large number of packages offered by the UK mobile phone operators along with a number of tariffs, it has become tough to go for the one.

Today, plenty of broadband providers are available in the market who are responsible for offering a variety of options for getting a broadband Internet connection. Th e famous ones are T-Mobile, Orange, O2, 3 Mobile, Virgin Broadband, Vodafone and many other. All of the broadband providers are very famous for offering high quality services to the people and that too at reasonable prices. Not only this, the huge competition between the network providers also compel them to come forward with an array of enticing deals so as to attract the users plans. A modem stick is offered by the companies to the users at the time of installation. One can also avail a wide variety of gifts and discounts along with a fast connection from these service providers. Some of the latest and famous gifts offered are I-Pods, Laptops, gaming consoles etc.

Some of the points that should be taken care of before going for an effective Mobile broadband package includes monthly cost, contract length and the connection fee. Always go for the package that is well suited to your requirements. Make sure that the service offers a good speed in the area where you live . This is because different services offer different speeds at different places. There are several sites which provide a detailed knowledge regarding the service providers. The sites are available with comparison feature thus enabling a person to compare the deals offered by various service providers. Thus, one can compare and choose the best.





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Senin, 25 Februari 2013

Mobile Broadband- Technology To Get Online Anywhere

Mobile Broadband technology is proving highly beneficial for the users. It offers an array of benefits to the them. They can now easily surf the Internet sites whenever they feel like. With the help of this latest medium, you can easily get online anywhere without bothering about situations like geographical restrictions, time consumption and many more. It doesn't matter whether you are a student or a professional. All are free to use this technology. For this purpose, the USB modem need to be plugged into the laptop or computer. You can also use contract deals for taking benefit of mobile broadband deals in best manner.

The mobile broadband offers a high speed connection to the users as it supports a number of high quality network standards like GPRS, Wi Max, EDGE, 3G, UMTS/HSDPA etc. The best part is that you do not need to have fixed telephone lines in order to access broadband connection. The trouble of long term phone lines and the broadband contracts is over now. To have a good broadband connection today is an important concern for the people. The mobile broadband is used for the purpose of carrying out a number of activities. You can access high speed Internet by using mobile broadband technology. It also speeds up the process of business and consumer Internet market.

The technology further facilitates in searching contact details for appointment, research of customers, access of Financial information, Catching Business News etc. Plenty of broadband providers exist in the UK market to deal with the broadband requirements of the users. All these are granting high quality broadband Internet connections. These are O2, 3 Mobile, T-Mobile, Orange, Virgin Broadband, Vodafone etc.





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Minggu, 24 Februari 2013

The Sweet Fruit of Mobile Technology

Orange is one of the major mobile phone operator as well as Internet services providers in UK. In fact, it is one of the Big 5 Companies of the UK mobile service provider that offers more than just voice services in both contract and pay as you go deals. Recently, Orange ran a huge campaign to advertise their new 3G services to enhance its data services and thereby providing its customers with the advantages, latest mobile technology has to offer. In order to give them better services, it is imperative that the users have compatible handsets.

Orange is consistently rated as one of the highest ranked mobile phone networks in terms of customer service and quality service. It manages to combine a wide range of feature-packed mobile phones with a diverse set of price plans to create a mobile package to suit any customer. With the introduction of the Raccoon, Canary, Dolphin and Panther price plans, the Orange offering is now stronger than ever. For us, particular highlights of the Orange packages include free unlimited landline minutes on some packages, unlimited texts on others, plus unlimited calls to selected other Orange users with the 'Magic Number' scheme. These features alone make Orange one of the most competitive options available at the moment in the UK.

Business customers will be pleased to note that Orange now offers Blackberry functionality, allowing you to keep up-to-date on the move. A good range of handsets is now available, taking advantage of the well-established Orange GPRS/3G network. In addition, Orange offers free broadband with the majority of its mobile phone contracts, potentially saving the average household 20+ per month. In order to empower their customers, Orange finally have come up with their own series of Orange Mobile Phones that can fully utilize the wide array of services on offer be it network specific services like 3G or other mobile phone applications like PIM. Orange mobile phones are collectively known as Orange SPV range a line up of highly functional mobile devices designed keeping in mind the professionals who demand more than just basic voice functions.

All Orange mobile phones are generally smart phones with Windows Mobile as their operating system. This makes these handsets extremely useful to professionals and businessmen to continue doing their work while on the move. Orange's portal, dubbed Orange World, is attractively put together provides the expected news and information, entertainment and tools. It is divided into 3 broad areas - Info, Fun, and Tools, each of which is a top level link. Orange World has a fourth top level link which is Your Page. It is an area you can customize to give you the latest information from areas you are interested in, you can also add things such as a location aware weather forecast, cinema listings from your area and links to favorite sections of Orange World. This customization service is surprisingly useful, allowing you quick access to the areas you use most. The personalization is apparent throughout the portal, for example the last few train times are retained so you can quickly loo k up a train on the same route as before.

Some other distinctive features of Orange are:

Excellent signal coverage across the UK (including EDGE/3G), with one of the widest range of international roaming options from any UK network.
Free broadband offer with the majority of mobile contracts.
Reliable service with great coverage
Excellent 24h customer service
Wide range of products and services
Free broadband
Lots of exclusive phones

The current crop of Orange Mobile Phones are very popular among the high end mobile phone users in the UK. The Orange SPV E650, for example, works on the latest Windows Mobile 6.0 operating system, includes all high end connectivity options and tools possible, yet retain the 'normal' mobile phone looks. The handset even has a QWERTY keypad up its sleeve literally. Similarly, all other Orange mobile phones, be it the smallest of the lot Orange SPV M500 or the master communicator and highly functional PDA Orange SPV M3100 offers the best possible ratio of price and functions. All these coupled with a wide range of plans to custom fit your lifestyle makes each and every Orange mobile phone deal irresistible. Orange is economical that's why you can get an orange speak easy pay as you go sim for as little as 2.





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Sabtu, 23 Februari 2013

Nokia 2730 Classic Brings Good News for Music Lovers

Nokia 2730 Classic with latest technology right from camera and Bluetooth is going great guns. It is a 3G based mobile phone. Music lovers must buy Nokia 2730 Classic since it has got a very good music player and FM radio. The phone also holds memory card slots wherein expandable memory can be placed. Nokia 2730 Classic is said to be the best music companion ever.

Since the Nokia 2730 Classic has a 3G supporting hardware, data transfer rates are quite faster than the normal 2G networks and Bluetooth software makes it possible to share data wirelessly from one mobile to another and between the PC or laptop and the mobile phone. GPRS and EDGE technology makes internet browsing faster.

With Nokia 2730 Classic deals on offer, one would surely get a chance to get hold of this exclusive piece with a very neat display measuring 240x320 pixels, the display delivers a clear error free vision even when exposed under di rect sunlight. This phone comes with lot of features like The 36 GB of internal memory stores a large number of tracks and more and the phone also supports UMTS network, HSDPA. The 3.2-inch display with 360640 pixel resolution, Wi-Fi connectivity, a 5 megapixel camera with autofocus and LED flash, integrated GPS receiver with Ovi Maps on Symbian OS v9.4 S60 fifth edition, video calling, media player with graphic equalizer, playlists and other advanced features to play music.

Overall, this phone offers best value for money for its range. Interestingly, the phone has everything that one requires like its design, camera, sound, clarity, display, user friendliness and so on. With 3G network handset it is easy to get broadband like browsing and downloading speeds. It also provides all other basic functionality like Java, Camera and Bluetooth. One can use this cellphone to connect to the laptop or PC and use as a internet modem.

Cheap Nokia 2730 Classic deals are available everywhere. Since this version has made revolution in the mobile phone industry, many dealers online as well as next to your locality are also offering freebies like Bluetooth headset with the phone.





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Jumat, 22 Februari 2013

Cell Phone: Poised for a Technological Revolution

Two decades back, in emerging economy like India, the cell phone was being associated with the concept of luxury. Today, for most people around the world, the cell phone has become as normal as owning a wrist watch. It is virtually impossible to imagine a world of communication without the existence of cell phones. More than a necessity, very much like wristwatches, cell phones are also being considered a style icon. Hence, if one carries an expensive and latest model, it becomes the centre of popular attention. In fact, cell phones having an attractive look, impressive color, and latest technology always become the matter of discussion among the users.

Cell phones now come with various features to impress its users. Despite competition, it is spreading like an unstoppable storm which won`t leave anybody out of its reach. The best advantage of using a cell is connectivity with its other users when you need to be in touch with them. Another advantage is using it as a music player. It allows listening to your most favorite artist when you are not talking!

With some cell phones you can communicate through emails. However, you must subscribe to internet service for that purpose. What`s more is that you can send attachments in various formats such as .pdf, .ppt. xl and so forth. On the top of it, you can send images and videos as well. Just imagine how thrilled the recipient will be when they receive the pictures or videos you have just taken through you cell phone and sent through the emails from the spot itself. If you are associated with news network, this can become a magical tool to break news.
Cell phones with an integrated 2 mega pixel camera and a digital 8X zoom help you to take outstanding photos and unforgettable videos. The advanced pixel camera keys let you click images without any hassle. You can send and receive files over the wireless network instantly with the Bluetooth wireless connection. Connect the headset and talk with Bluetooth technology. Cell phones with advanced internet features give you easy access to surf the internet on your mobile phone. Now, you can surf the internet, check your e-mails and chat with your friends on the phone. The WAP browser facilitates to open various websites of HTML and XHTML format. It offers you high speed internet connectivity for fast and uninterrupted data transfer. The built-in i radio gives you the latest news, music and gossips. Conference calls for talking with more than two is the latest trend in cell phone users.

Messaging features like Multimedia Messaging Service (MMS), instant messaging, Enhanced Messaging Email (EMS), and embedded java games will entertain you anytime anywhere. The WAP and GPRS services also provide access to the internet, wherever you may go. With mobile internet, you are able to update yourself with latest news and financial quotes, entertainment headlines, weather forecast and more.

The phone with 3G technology works best provided you have broadband internet connection on your phone. It provides high speed consistent data transfer of up to 384 kbps. You can transfer data to a laptop, pc or take prints by connecting to a printer using the wireless Bluetooth connection. Cell gives you updates with recent news and weather forecasts. The phone loaded with 3 D games will surely entertain you.

The technology related to the cell phones is ever-evolving. What is the latest today becomes obsolete the other day. The cell phone manufacturers are constantly trying to invent ways to bring sophistication to their users so that can stand out from their competitors. However, the price factor has also become the deciding factor as well as many cell phone manufactures are offering their products in the market with a price that easily gives their competitors a run for their money. In a nutshell, we are yet to see many more surprises in the concept of cell phones in the days to come.





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Kamis, 21 Februari 2013

3G mobile phones - redefining the communication

The new 3G mobile phones provide excellent multimedia services as you can simultaneously use both data and speech services. With the help of 3G mobile phones, users can easily transfer data and that too at fast rates of 200 Kbits for every second. You can enjoy different application services with 3G like mobile Internet access, video calls, wide-area wireless voice telephone and mobile TV.

The 3G handsets enable you to have a balance between professional and personal lives. The 3G enabled best phones will take you to a new world of information and entertainment. You can download the games at fast speed for your kids who they can enjoy playing either or their computer or television screen. You can add pleasure in your life by 3G handsets through easy download of music and themes which you can enjoy anytime and feel relaxed. The latest screensavers and wallpapers for your computer can be downloaded from your mobile phones.

The new phone with latest technology of 3G is a multipurpose phone that will give your life roller coaster ride. You can easily access advanced features on your mobile just by the help of your finger tips. Your life will become more comfortable and colorful with new3g mobile. With the help of your 3G best phones, you can easily access hi speed broadband, email, latest news and enjoy video messaging and instant messaging.

Wideband CDMA that offers faster service than GPRS and GSM assists the latest mobiles with 3G technology. The latest mobiles with 3g technology offer high-end performance due to the broadband frequency of higher level.

The leading mobile phones companies have flooded the market with latest technology mobile handsets like HTC, Apple, Nokia, Samsung and Sony Ericsson. Some of the popular phone variants of 3g include Nokia N97, HTC Evo 4G, Sony Ericsson Xperia X10, Apple iPhone 4, Samsung Jet, Apple iPhone 3GS and Samsung Galaxy S .

While taking the 3G wireless Internet plan on your mobile ensure its affordability and quality. You can get the USB modem, mobile internet service and cellular Air cards at money saving prices. After buying the 3g mobile phones you can compare the prices and get the 3G wireless broadband through best supplier.

The customers who download large files on a regular basis can get the help from 3G handsets to quickly access broadband throughout. The new handsets with 3g technology will be really helpful to both business and casual phone users due to high speed internet usage.





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Rabu, 20 Februari 2013

Mobile Broadband Deals- Offering Multiple Benefits

Today is the time when telecom market has undergone a sea change. Unlike olden days, now the companies are offering high-end smart phones which are come with internet connectivity. Internet is a huge source of availing various types of information, gaining knowledge on variety of topics such as news, education, politics, society and crime, businesses, food and drinks, fashion and clothing, commuters, laptops, televisions, furnishings etc. but nowadays, it is also used to remain in touch with near and dear ones like family, clients, friends, colleagues and other loved ones. So, get cheap mobile broadband and make use of speedy services of mobile internet.Mobile broadband deals are being provided by various services providers. Some popular names include Vodafone, Virgin, T-mobile, Orange, O2 etc. along with various free gifts. Broadband deals have changed the way of communication by bringing cheap and speedy internet services that can be ava iled through Wi-Fi, GPRS, and 3G technology on the latest handsets which are being sold by leading manufacturers such as Nokia, Samsung, LG, Sony Ericsson, HTC and many other reputed brands in the market.

The popular networking company, Three is offering very lucrative mobile broadband deals which help the you to obtain fast and fabulous internet services at highly affordable prices. From this network provider in the United Kingdom, you can get upto 5GB internet allowance per month along with several attractive free gifts. Besides, there are T-mobile, O2 which primarily focus on providing cheap offers of broadband. Since, the Christmas is just around the corner, companies are gearing up to offer some cheap deals of broadband on this occasion.If you are looking for high speed and hassle-free internet services to get know about different things, go for the cheap mobile broadband deals which are designed to help you avail easy browsing. These deals save lots of your hard-earned money by bringing free gifts and other interesting offers.





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Selasa, 19 Februari 2013

Mobile Broadband - The Technology That Enables Users To Get Online Anywhere

Mobile broadband has emerged as a technology that bestows its users with plenty of advantages. Using this technology user can surf the internet whenever they want. Whether you are a student or a professional, you are benefited with the advantage of mobile broadband. For availing it, you only need to plug the USB modem into your or desktop computer.laptop

This technology is known for carrying out a variety of purposes. The first and the foremost advantage of using this technology is that one can access high speed Internet. It has also played a crucial role in the process of revolutionising of the business and consumer Internet market. Some prominent advantages given by the Mobile broadband are researching the customers, catching up on Business News, access of financial information, search of contact details for appointment etc. This technology works on different high quality network standards, including Wi Max, GPRS, UMTS/HSDPA, EDGE, 3G etc hence permitting the users to connect directly to the satellite offering a high speed connection to them. Another important benefit offered by this technology is that there is not at all any requirement of fixed telephone lines for the purpose of accessing broadband connection. Therefore, if you are going to avail this broadband, you do not need to worry about the long term phone lines and the broadband contracts. These advantages offered by the mobile broadband played a significant role in making it popular among wide variety of people. Hence, going for a good broadband connection has become an important concern for the people. With the presence of a variety of packages offered by the UK mobile phone operators along with a number of tariffs, it has become tough to go for the one.

These days, market is flooded with numerous broadband providers who offer a plenty of options for getting a broadband Internet connection. Some prominent broadband providers are T-Mobile, Orange, O2, 3 Mobile, Virgin Broadband, Vodafone and many others. They all are well known for offering high quality services to their end uses and that too at reasonable prices. In addition to that, the huge competition among the network providers also compels them to offer a wide range of enticing deals so as to attract the user plans. During the time of installation, the companies offer a modem stick to their users. These service providers all offer a wide variety of gifts and discounts along with a fast connection. I-Pods, Laptops, gaming consoles etc are some latest and famous gifts offered by these service providers.

There are many things that need to take into consideration before going to purchase a Mobile broadband package. Some of them are monthly cost, contract length and the connection fee. You should try to go with the package that is well suited to your requirements.

Make sure that the service provides a good speed in the area where you live. This is because distinct services offer different speeds at different places. There are various sites which provide a detailed knowledge regarding the service providers. Through these sites you can compare the deals offered by various service providers and can go with the one that meet your needs.





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Senin, 18 Februari 2013

To special educate or not (Part 1)

To special educate or not . . .

For many reasons we as a society and educational institution cant accept that some kids will always be behind. One reason for this that you dont hear discussed is grade levels, which have a negative cumulative effect for roughly half the school population. In college everybody has heard of or learned about the bell curve; which tells us it is normal and expected to have a range of abilities. Yet it amazes me how society, politicians, and educators seem to forget this fact. In education classes teachers even learn that in a given class you can expect a six year grade range. In other words, in a 5th grade class there will be kids with reading levels ranging from 2nd through 8th grades. Time out; did anybody ever tell the general public this? Also, how did this information apparently get erased from the memories of every professional working in the schools? Getting back to grade levels, consider this. The bell curve tells us that half the children will be below average. So in any grade, half the students will be behind. Think about when students start out in first grade. Half of the students will leave first grade below average (or below their peers), or below where they should be at the end of first grade. This cycle continues for most of these kids school years because they dont catch up. And we wonder why so many kids drop out when they reach high school? They have already experienced years of failure. Grade levels tell them, and remind them daily that they are failures. If you dont think so, try explaining to them year after year why they are behind.

Another way society has denied the real-life differences among children and tried to deal with the crippling effects of grade levels is through special education. The development of the categories of special education was influenced more by politics and social pressures than by research. Even today, the few categories that include the vast majority of children in special education (Leaning Disability) are highly subjective in their definitions and decisions of who is labeled and placed into special education. Research into the effectiveness of special education has shown that once a child is placed (get a label), his/her chances of graduating greatly decrease. Of course, nobody tells parents this at an IEP meeting! The child in special education receives an Individualized Education Program (IEP), which sounds impressive. Who wouldnt want an education program tailored to their needs? Well, the problem is that the goals in an IEP are at a level far below his grade placement. Whats even worse is that most of these students never get up to grade level, or catch up. So what happens when one of these children gets to high school and theyre still reading at a third grade level? I have been in many uncomfortable meetings trying to explain this to parents. But hey, they have a label, and have received professional help, so its ok to be years behind, or sometimes even nearly illiterate. The IEP becomes a license to fail.

Special education is just a reflection of the problem with our unrealistic expectations. We cant accept the fact that some kids will always be behind, no matter what we do. Since the 1970s, when the government passed massive special education legislation, the numbers have swelled, and it has been plagued with controversy. Its interesting once again how people in education so readily accept research when it seems acceptable, or they are told by the higher ups that they will accept it, but when its to the contrary educators and legislators turn the other way. The research has shown for a long time now that special education is not working. Kids who are in special education dont catch up, and they are more likely to drop out. I believe this research because I see it every day. Another thing the research tells us is that there are no clear and consistent interventions (treatments) that distinguish the children identified with the disabilities that represent the majority of kid s in special education. The disabilities that comprise the majority of kids in special education are Learning Disabled, Mentally Impaired, Emotionally Disturbed/Behavior Disorder, and Other Health Impaired (this one has so many kids because ADHD falls under it). In other words, when an Individualized Education Program (IEP) is made for these children, which specifies the goals and objective of how each child will be taught, they differ very little from disability to disability. A learning disabled (LD) childs IEP will look very much like a mentally impaired (MI) childs IEP, and so on, with all the various comparisons. And I believe this research because I have seen thousands of IEPs. The interventions always involve something like repetition, a multisensory approach (hearing and seeing it, and hands on), having directions read to them, and extended time limits. If you looked at a childs IEP goals and objectives, and didnt know their eligibility, you would have a very hard ti me figuring out what their eligibility (disability) was. What it really boils down to is we are bringing the material down to their level. If a learning disabled child is reading at a second grade level, he will have the same (or very similar) goals and objectives as a mentally impaired child reading at a second grade level. What needs to happen is that we need to teach kids at whatever level their at (remember the bell curve); but we have to stop pretending that all kids are the same, and hiding as many of the ones that we can get away with that arent at grade level or behaving in special education. This is malpractice and we have to stop doing it.

After special education legislation in the 70s it was common for schools to have self-contained classrooms. These are classrooms in which special education students spend most or all of their school day. The class size is small, with paraprofessionals to assist the teacher. As with many things in our society, there were more than enough researchers and experts to provide the proof demonstrating the reasons and benefits for these classrooms. Well in the 90s this all changed with self-contained classrooms being gutted from school districts. When I started in the field in 1990, I worked under a principal who had already been in education for about 25 years. He told me how they (people in education) had worked so hard to get these classrooms and now they were getting rid of them. And of course the experts had all the research to show why we needed to get rid of these classrooms. I guess they got it wrong the first time? I dont know, but maybe somebody should tell the taxpayer! The research and experts once again helped lead us on another humongous, costly wild goose chase, which only delayed the inevitable. For years the learning and progress of students who were learning and behavior problems were sheltered and protected from scrutiny and real accountability. Basically, as long as you had an IEP it was OK to be far behind all of your school years. And if your behavior was so bad that you werent learning, that was OK because you had an IEP. I know this sounds harsh and cruel, but dont misunderstand me. Teachers, schools, and districts were doing what they could, and trying to work within the rules they were given to try and educate these problem children. As more kids were becoming more problematic, the schools were expected to deal with them. So kids were often given a label, and any label would do. By the 90s it became obvious that there were too many kids in special education. After all, how could there be that many disabled children? So of co urse the research was provided to show that self-contained classrooms and labeling were actually detrimental to these children. Nevertheless, the reason the number of children in special education was growing is because there was a growing number of children that the regular education classrooms could not deal with. But that didnt matter, and we were pressured to reduce the number of kids in special education!

More to come on this topic.





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Minggu, 17 Februari 2013

Small Business Grant Money - How to Find Free Government Grants to Finance Your Business

Finally decided to start your own company but having problems finding the necessary startup capital in order to get it running? Have no fear, the Government is here! Yes, I did just say The Government. The US Government offers free grants to small business owners as a way to help encourage growth and stability. While there are thousands of these offers available every year, very few are even applied for? Why is that? Because most people don't even know they exist!



Every new entrepreneurs dreams to take his business to the Forbes 100 List but most of them fail to realize realistic goals. One of the largest contributing factors to this is a lack of startup capital or initial investment. Running your own business is expensive, something that is easy to miss-judge. For this reason, the Government offers free grants that are available to boost new business here in America.



So how can I get one of these small business grants? Simple, you n eed to search one of the many thousand offers available to find one that fits your needs and requirements. Some guidelines regarding that process as well as some tips on what to look for in a grant offer can be found at the Small Business Grant Money Guide. Once you've found the offer that fits your company you then need to submit a business plan/grant application.



Some important things to keep in mind when applying to offers:



1. Presentation of the business plan -



The first important step is the presentation. Any small business grant distributor will be interested primarily in how you tend to use the money if they give it to you, and also how you plan on using the funds to make a profit. The difference between a bank loan and a federal grant is you don't have to show them how you'll repay it (grants are cash gifts), which means you should focus on the ultimate goal of your business rather than the small steps you plan on taking to generate revenue along the way.



2. The message conveyed in the business plan -



The business plan is the cornerstone of any grant application This plan give a clear idea of your goals and vision as well as a rough timetable for accomplishing these goals. The potential in your business is shown in your business plan and it is the plan itself, which increases the confidence that the grant distributers will have in you.



3. The Eligibility for small business grants sanction -







Small business grants are readily extended to small business industries to help them grow, only if they have a potential.


Small business grants bodies have their own objectives and give grants money to those satisfying them in the best possible manner.


The location of the business is one big reason for sanction of small business grants. The government wants decentralization of industries in order to avoid migration toward cities. For example, you'd have an easier time securing a government small business grant if you planned on being headquartered in upstate New York rather than downtown New York City.






The Small Business Grant M oney Guide provides detailed information on how to find and get a grant to help finance your small business.





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Sabtu, 16 Februari 2013

Government Small Business Grants and Loans

If you got a good idea which is profitable but you have no money. You should go to the government grant office. Government grant is usually money given by a government agency or private business to carry out the business plan which most is from people like you. But there is also a problem. Finding free small business grants is a work of time consuming. However if you get the right direction it is piece of cake.

The first and the most important are to define your reason to start a business. The one you committed should be very attractive which means it's very profitable or on the other hand have a huge social effect. Only eyeball-appeal application will catch the grant officer.

To figure out your wonderful application plan you should open your mind. It's very important for the candidates to stick to the main goal and keeping your mind open to other possibilities for all the other details could make the difference in being awarded a grant. For example: If you get a plan to open a child care facility, you may think about opening one for under privileged children. It will be a good application strategy to show the need of the business because it will greatly increase chances of being awarded a grant. Government grants are your best choice here.
These resources below give another example for how to get a government grant.

"Displaced workers" that are unable to find employment within their professional field may be eligible for grants to start a business. If you are the one you can contact the local unemployment office for more information. A displace worker is an individual that lost their job due to a massive lay off or a community disaster. And the government is happy to grant some funds to help these out of their difficulties.

The situation for the Individual with disabilities that is unable to find suitable employment within their community is the same. They are qualified for a small business grant. And also an individual does not have to be considered to be fully disabled to qualify. You could contact your local Vocational Rehabilitation office to find out if you qualify.

In the other hand, the Private companies host grants to for endless reasons. In this situation, the bes t way to find out information about these grants is to browse the internet. Finding a private grant for funding a small business may be time consuming. You could get more information in some professional website or in a eBook. Legit companies should only charge a couple of dollars. It's also considerable for you to check out your local library to see if they carry a updated grant book. But there is always one point you should remember: Grants information change every six months, so look for a recent lists. If you use an obsolete list only keep you running in same circles and you will never get out.

Small Business Grant Source:
Learn the application procedures, various funding sources for specific types of businesses and eligibility criteria for small business grants. You can find the most comprehensive information on availing of small business grants by visiting this online guide on grants





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Jumat, 15 Februari 2013

Opening a Restaurant with a Government Small Business Grant

Starting a restaurant or cafe is an expensive venture, which is why many people never realize their dream. If you want to build your own business in the food industry, but lack the capital, you should consider applying for a government small business grant. These grants are essentially free money to start your business... unlike loans there is no interest and you don't have to pay them back. Getting Started The first thing you should do when applying for a government small business grant is determine your budget. How much do you need in order to start your restaurant? This will help decide which grants to apply for and will also determine how many you need. You may have some of the money already, but it can't hurt to apply for more grants than you really need, since competition can be stiff and you aren't guaranteed to get any of them. Next, you'll need to find a good source of government grant listings. There are over 2,000 grants in general available in the US, so you wa nt to find a website that lists them all so you can be sure to check out all of your options. There are a number of specialized grants and while you may wish to apply for the more general ones, as well, these can be your best bet. Often they are for slightly less money, but it is easier to get them, so it's a good tradeoff. Look for a government small business grant that will give you everything you need. For example, you might find one that is geared toward the food industry or even toward your particular type of restaurant or cafe. These will have less competition, so they are good ones to go for. However, don't rule out those that are merely for small business in general. If you are a woman, single parent or minority, these may also be qualifications that you can use to narrow your search. Applying for the Government Small Business Grant In order to get that grant money, you'll need to apply. Most grant applications are fairly detailed because they want to know exactly wh at you will be using the money for and why. Be prepared to offer up a business plan, a budget and any other information that is required. You'll need to give them your reasons for requesting the grant money and be sure to get very detailed. The more details you give, the easier it will be for the powers that be to choose you over the next person who skipped a few too many numbers in his or her application. If yours looks better, you'll be moved to the top of the list. It can be time consuming to fill out a government grant application, particularly if you aren't certain how to go about it. However, if you have a good tutorial (often found on sites where you find extensive listings of government grants) on how to fill everything out and what is expected, it shouldn't be too difficult. For those who really don't have the time, there are grant writers available who have the experience necessary to turn out timely and professional applications that will catch the eyes of those m aking the decisions. Getting a government grant isn't just a matter of luck. You can greatly improve your odds by providing top quality information, filling out the application correctly and, of course, being sure to select a government small business grant which has as little competition as possible. Do that and you have a very good chance of getting the money to make your restaurant dream a reality at long last.





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Kamis, 14 Februari 2013

Government Small Business Grants Guidance

Nowadays, entrepreneurs are thinking twice before acquiring, expanding or starting a business as they fear that they too would get affected due to the economic recession or slump which has affected all. Fortunately government small business grants are provided by the government to boost businesses and aimed towards debt relief. Even though there are more number of loans available to start businesses business owners or entrepreneurs do not seek them as they carry high rate of interests normally and has to be repaid within a stipulated time and also adhering to the rules and regulations of the lenders or financial institutions. But the government small business grants need not have to be repaid to the government and does not carry interest rates.

Some of the grant types available for entrepreneurs and business owners include non profit grants, small business grants, business acquisition grants, business start up grants, foundation grants and business growth gran ts. The amount got as grants are used for renovating offices, starting small businesses, updating some systems, maintaining jobs and so on. There are also specific small business grants which are normally based on ethnicity, disabilities, race and gender. If the applicant happens to reside in a state which is aimed at creating a certain economic push, the certainty of receiving small business grants from government is more.

Applicants should be aware of the fact that government small business grants are provided to motivate investment in economically poor areas and the government aims to create employment opportunities for more persons in that locality through the new business venture. Sometimes government also assist in relocating the business from a well developed place to an under developed place. When the grant application projects the advantages of having the business or certain industry in that place, it gets instant loan approval. Other means of getting go vernment small business grant is by focusing on new technologies, research, machinery, overseas exports, tourism related marketing, childcare centers, energy, women facilities and so on. It should be kept in mind that traditional businesses like retailing and merchandising related to it might not fetch grants from governments but can get other funding help.

Information about government small business grants can be obtained online. There are certain websites which even provide suggestions and tips that make the whole process a cake walk for the applicants. The applicants just need to go through the various formalities, documents that are required to be submitted and then should write a grant proposal along with the application and submit it within the right time limit.





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Rabu, 13 Februari 2013

Government Small Business Grant: What's Available and How To Get One

A government small business grant is more easily available than other forms of loans. This is because grants unlike loans do not require collateral or any other form of security. There are many thousands of dollars available as government small business grants which can be used for starting a new business, can also be used to clear off previous debts. Grants are also available for clearing off debts incurred due to specific reasons like health care, education, business expenses etc.

There are many facets involving a government small business grant. In this article we will try to shed a little light on each of these. Just remember in applying for a government grant you are dealing with government bureaucracy. The application process can seem daunting to say the least. It is crucial to have some form of help in understanding how to properly fill out the correct documents, and how to even contact the right agency for the specific grant you are desire. A quality grant writing kit is essential in this task.

Understanding a Government Small Business Grant:

Government grants are different from commercial loans. The first thing that is very important for you to understand is that these grants are not like commercial loans. Where you borrow money as loans, it becomes a legal obligation for you to repay the same at a certain rate of interest within a set period of time. On the other hand, once you acquire a grant, you may not necessarily have to repay the grant. That is the reason why a government small business grant is often described as "free money". Another big difference is that where loans can be easy to obtain, government business grants can be much, much more difficult to qualify for and acquire. There are strict conditions and criteria that you will need to fulfill in order to qualify for federal government grants. These conditions include basic factors, such as the targeted sector and the nature of your business. These grants may not necessarily be offered by a government department alone. There can be many public and private organizations and institutions that can help you in this quest. If you need capital to start a new small business or expand an existing one, you may qualify for grants at the local and state government level. Alternatively, you can also contact small business institutions such as the small business association (sba). Government grants are almost always awarded for a specific purpose or project. There are also strict terms and conditions that apply to all grants. If these aren't followed, immediate repayment of the grant can be required. However, generally you do not have to repay grants or interest on them unless you break the conditions set forth in the contract.

How to Apply:

To acquire a government small business grant is thought to be difficult to qualify for and obtain, but this is a myth. There are of course a couple of tips you need to follow in order to submit a successful application, but provided that you follow these basic steps, you should be able to obtain finance from the government without too much stress. What discourages most applicants is the fact that the application for a government grant might sometimes be lengthy. The fact that the process is long does not mean that it is difficult or that the requirements are harsh, but it can indeed be discouraging. In our modern society time is something most people do not have, and in most cases, it is due to the fact that they do not plan ahead. If you are convinced that you want government finance, be prepared to wait and be patient. The key to a successful government grant application is not a big mystery. The key is knowing who to contact and what process to complete. The average per son will need help in writing a quality and accurate grant application. That is why it is necessary to purchase a quality grant writing kit, or hiring a grant writing professional to do it for you.

For more information on a government small business grant and quality grant writing kits visit:

http://MyPellGrant.net





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Selasa, 12 Februari 2013

Call Center Inbound Calls

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Our bilingual call center philosophies, coupled with strictly adhered to outsourcing polices and strategies, helps to create a high quality level of experience to the caller into our customer service center.

Every outsourced inbound call that enters the Costa Rican call center is judged for quality control and studied for maximum effectiveness for your BPO campaign, while striving to meet the customer relationship goals. Costa Ricas Call Center Call inbound calls are capable in delivering immediate value to the customer and profit to the North American organization that decides to pursue outsourcing jobs in Costa Rica.

Call center inbound calls can be directed to many different departments throughout the Costa Rican call center. A bilingual call center agents responsibility is to deal with building and maintaining customer relationships on every single call center inbound phone call. This can include IT, billing, invoicing, advertising, finance, marketing, services planning, maintenance and manufacturing. All outsourced call center inbound calls are affected by the clients own organization and their relationship with suppliers, vendors and distributors. All operating procedures in our call center must be aligned with the North American companys established practice to ensure a seamless transition of inbound customer service calls.

Call center inbound calls can be measured by several metrics known as key performance indicators that properly grade the performance of the bilingual call center agent and the entire outsourcing organization.

In comparison of using us to any other Costa Rican call center agent, they may answer an inbound call and just haphazardly read from a script, giving the impression that may not sound as sincere or genuine and may result in an upset customer. If a customer requires speaking with a call center supervisor or manager, non-expert call center operators will receive the inbound call and may improperly screen the caller to determine where to transfer the call and how to best confront the situation before escalation. When a call center agent is incompetent, untrained and incapable of fulfilling customers' requests effectively, the outsourced inbound call campaign solution will not be as effective as one that has policies and procedures in place, like Costa Ricas Call Center.

Call center inbound calls at an overseas location in the Far East or Asia with language and accent problems can greatly affect your call centers inbound call campaign success. More call center solutions located in India and the Philippines are very professional and cost effective, yet lack the ability to properly handle inbound customer service calls or outbound telemarketing campaigns in both English and Spanish. This aspect alone can impede your organizations growth into untapped Latino markets through out the Americas or utilizing a familiar accent shared by many North Americans.

Outsourcing to call centers have seen many customers complain when they make an inbound call into a call center and are immediately sent into an automated queuing system that sometimes result in excessively long hold times. Many inbound call center experiences are prone to frustration and unresolved issues that can result in revenue loss and less customer retention.

Outsourcing call center inbound calls to an organized bilingual Costa Rican center will eliminate the complaints that departments of call centers do not engage in communication with one another. The opportunity to assist a client during an inbound call lessens the chance of it being ruined by an unprepared call center agent.

Outsourcing call center management have produced several ways to improve call center inbound calls. The first call center solution would be to confront the common criticisms from call center staff and address them immediately for a mutually beneficial resolution.

Since Costa Ricas Call Center agents are closely scrutinized by call center management via frequent random call monitoring, they are ensured of improving their inbound call customer service skills. An innovative call center solution which helps to increase employee morale and their call techniques is to offer a solid pay check and the potential of well deserved bonuses if they comply with the Costa Rican call centers quality control and performance levels. An effective call center outsourcing solution in Costa Rica is to have strictly adhered to outsourcing work practices and BPO procedures. This will require call center agents to follow a pre-written inbound call script so that all inbound calls are identical and the quality remains high for the customer and call center client.

In today's outsourcing world it is becoming more difficult to find top quality customer service. In most cases with call center inbound calls, you get a call center agent on the phone who sounds as if they don't care about the customers needs, are not properly trained and have a strong accent that is very difficult to understand. Costa Ricas Call Center agents pride themselves on using a pleasant speaking voice on every inbound customer service call. In addition, Costa Rican call center agents have been noted for their strong command of correct English. Call center telemarketing training focuses on the fact that from the moment you receive an inbound call and are speaking with an individual with whom you have no rapport, you speak clearly, slowly and use proper grammar.

Call center inbound calls are judged immediately by the initial greeting. All Costa Ricas Call Center agents are trained to greet the inbound caller with respect and attentiveness. This highly professional inbound call greeting does three things for the bilingual call center agent; it thanks the customer immediately, it introduces you and it offers your assistance for whatever they called in about. With proper attention to detail, a call center inbound call can produce more clients and increase the outsourcing companys bottom line. Another import aspect of an inbound call is to have the call center agent be as knowledgeable as possible with the outsourced campaign. One call center solution to increase the agents knowledge base is by reading about the clients product and/or company prior to starting the campaign as well as updating their knowledge between taking inbound customer service calls. It is not good to only use the time that the call center agents is "on the clock" to perfect their craft. This simple call center solution will boost the confidence of the call center agent and will make the call center inbound call go even more smoothly.

In today's highly competitive outsourcing market, a closer proximity to the United States , Central Time Zone and Spanish language capability as an added value are now considered almost basic requirements when making a decision on what call center to use for your important project. Leaving this to chance is not even an option anymore. Many of the offshore call center agents are bilingual in their native Middle Eastern or Asian language which is difficult to the North American ear. Whereas Spanish is more useful and practical as a second language for potential untapped markets throughout the North, Central and South American populations as well as those countries where Spanish is either a primary or secondary language.

We encourage you to visit one of our call centers on your next personal vacation or business trip to Central America's paradise, Costa Rica. While you are here, we would recommend taking an extra day of your trip to visit breathtaking virgin beaches, play golf next to the ocean, try your luck at deep sea fishing, explore tropical jungles, climb a volcano or just relax in natural hot springs. Come and see for yourself why call center outsourcing in Costa Rica is a perfect solution for your growing company and a powerhouse in the BPO industry.





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Senin, 11 Februari 2013

To special educate or not (Part 1)

To special educate or not . . .

For many reasons we as a society and educational institution cant accept that some kids will always be behind. One reason for this that you dont hear discussed is grade levels, which have a negative cumulative effect for roughly half the school population. In college everybody has heard of or learned about the bell curve; which tells us it is normal and expected to have a range of abilities. Yet it amazes me how society, politicians, and educators seem to forget this fact. In education classes teachers even learn that in a given class you can expect a six year grade range. In other words, in a 5th grade class there will be kids with reading levels ranging from 2nd through 8th grades. Time out; did anybody ever tell the general public this? Also, how did this information apparently get erased from the memories of every professional working in the schools? Getting back to grade levels, consider this. The bell curve tells us that half the children will be below average. So in any grade, half the students will be behind. Think about when students start out in first grade. Half of the students will leave first grade below average (or below their peers), or below where they should be at the end of first grade. This cycle continues for most of these kids school years because they dont catch up. And we wonder why so many kids drop out when they reach high school? They have already experienced years of failure. Grade levels tell them, and remind them daily that they are failures. If you dont think so, try explaining to them year after year why they are behind.

Another way society has denied the real-life differences among children and tried to deal with the crippling effects of grade levels is through special education. The development of the categories of special education was influenced more by politics and social pressures than by research. Even today, the few categories that include the vast majority of children in special education (Leaning Disability) are highly subjective in their definitions and decisions of who is labeled and placed into special education. Research into the effectiveness of special education has shown that once a child is placed (get a label), his/her chances of graduating greatly decrease. Of course, nobody tells parents this at an IEP meeting! The child in special education receives an Individualized Education Program (IEP), which sounds impressive. Who wouldnt want an education program tailored to their needs? Well, the problem is that the goals in an IEP are at a level far below his grade placement. Whats even worse is that most of these students never get up to grade level, or catch up. So what happens when one of these children gets to high school and theyre still reading at a third grade level? I have been in many uncomfortable meetings trying to explain this to parents. But hey, they have a label, and have received professional help, so its ok to be years behind, or sometimes even nearly illiterate. The IEP becomes a license to fail.

Special education is just a reflection of the problem with our unrealistic expectations. We cant accept the fact that some kids will always be behind, no matter what we do. Since the 1970s, when the government passed massive special education legislation, the numbers have swelled, and it has been plagued with controversy. Its interesting once again how people in education so readily accept research when it seems acceptable, or they are told by the higher ups that they will accept it, but when its to the contrary educators and legislators turn the other way. The research has shown for a long time now that special education is not working. Kids who are in special education dont catch up, and they are more likely to drop out. I believe this research because I see it every day. Another thing the research tells us is that there are no clear and consistent interventions (treatments) that distinguish the children identified with the disabilities that represent the majority of kid s in special education. The disabilities that comprise the majority of kids in special education are Learning Disabled, Mentally Impaired, Emotionally Disturbed/Behavior Disorder, and Other Health Impaired (this one has so many kids because ADHD falls under it). In other words, when an Individualized Education Program (IEP) is made for these children, which specifies the goals and objective of how each child will be taught, they differ very little from disability to disability. A learning disabled (LD) childs IEP will look very much like a mentally impaired (MI) childs IEP, and so on, with all the various comparisons. And I believe this research because I have seen thousands of IEPs. The interventions always involve something like repetition, a multisensory approach (hearing and seeing it, and hands on), having directions read to them, and extended time limits. If you looked at a childs IEP goals and objectives, and didnt know their eligibility, you would have a very hard ti me figuring out what their eligibility (disability) was. What it really boils down to is we are bringing the material down to their level. If a learning disabled child is reading at a second grade level, he will have the same (or very similar) goals and objectives as a mentally impaired child reading at a second grade level. What needs to happen is that we need to teach kids at whatever level their at (remember the bell curve); but we have to stop pretending that all kids are the same, and hiding as many of the ones that we can get away with that arent at grade level or behaving in special education. This is malpractice and we have to stop doing it.

After special education legislation in the 70s it was common for schools to have self-contained classrooms. These are classrooms in which special education students spend most or all of their school day. The class size is small, with paraprofessionals to assist the teacher. As with many things in our society, there were more than enough researchers and experts to provide the proof demonstrating the reasons and benefits for these classrooms. Well in the 90s this all changed with self-contained classrooms being gutted from school districts. When I started in the field in 1990, I worked under a principal who had already been in education for about 25 years. He told me how they (people in education) had worked so hard to get these classrooms and now they were getting rid of them. And of course the experts had all the research to show why we needed to get rid of these classrooms. I guess they got it wrong the first time? I dont know, but maybe somebody should tell the taxpayer! The research and experts once again helped lead us on another humongous, costly wild goose chase, which only delayed the inevitable. For years the learning and progress of students who were learning and behavior problems were sheltered and protected from scrutiny and real accountability. Basically, as long as you had an IEP it was OK to be far behind all of your school years. And if your behavior was so bad that you werent learning, that was OK because you had an IEP. I know this sounds harsh and cruel, but dont misunderstand me. Teachers, schools, and districts were doing what they could, and trying to work within the rules they were given to try and educate these problem children. As more kids were becoming more problematic, the schools were expected to deal with them. So kids were often given a label, and any label would do. By the 90s it became obvious that there were too many kids in special education. After all, how could there be that many disabled children? So of co urse the research was provided to show that self-contained classrooms and labeling were actually detrimental to these children. Nevertheless, the reason the number of children in special education was growing is because there was a growing number of children that the regular education classrooms could not deal with. But that didnt matter, and we were pressured to reduce the number of kids in special education!

More to come on this topic.





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Minggu, 10 Februari 2013

Starting An Internet Based Home Business - The Basics

An internet based home business allows you to earn money without leaving your home. You won't have to compromise your time with the family ever again just because you were caught in traffic traveling from one job to another. Here are a few tips that can help you get started without the hassle.

Although selling goods online is much cheaper than renting an actual store and paying for other people's services, you still need to put in as much effort when it comes to researching about your product. Firstly, to get an idea of how many people are selling your product you need to do is type its name into the search engines. Competition is always a two-sided game, and the more common your product is, the broader your marketing niche gets. Striking up a balance between your supply and the potential demand you are anticipating is the key.

An internet based home business that caters to a targeted market that is just big enough to keep the business running will be a success ful one. An an example, you can cater to techies in general, but you don't need to sell every new gadget that comes your way. You can think about music-loving techies and sell MP3 players, but then you would have to think about the purchasing power of these potential consumers as well. It is then safe to narrow down your product to mp3 players that are designed and packaged specifically for lower middle class consumers who are always on the go.

Although some people think it is unnecessary to think about these small things when you are running an internet based home business, it is actually very important to do so. Without researching, you would be blindly marketing products without knowing who they are meant for. You can package your website and your sales copy just right when you know exactly who your product attracts. The key to delivering effective messages is in knowing exactly who you are talking to.

It is actually safer to use auction forum-type websites li ke Ebay to test-run the demand for your products when you are just starting with your internet based home business. When it comes to writing the sales copy there, you can try out different approaches and you will also be exposed to your competition without spending too much money on a website initially.

If you find these forum-type sales pages too limited, and your product is gaining positive response from consumers, you can then set out to build your own website. There is no need for this to be a big investment immediately. Initially you can begin by using a free blog site first, and then just invest in a unique and catchy domain name. It is advisable to choose a domain name carries your brand and significant keywords which suggest what kind of products you are selling.

You should always optimize your text content whether you are making a more complicated site or a simple blog for your products. Hire someone who can compose informative and well-written SEO-frien dly articles if you are unable to write yourself. For example you can write product reviews, product descriptions or simple self-help articles related to the products you are selling.

Posting your goods on auction forums online has one advantage. You won't have to worry about providing secure payment databases for your customers. If you are running your internet based home business on your own website you will have to invest in encrypted pages on a regular website.

By doing thorough research into your product and target market will set you on the road to building a successful internet based home business.





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Sabtu, 09 Februari 2013

Starting An Internet Based Home Business

Are You Looking To Make Money With Your Computer? Learn How To Make Up To $963 Dollars A Day Online.

Are you considering starting up an internet based home business in hopes of earning some extra money online? If you are then rest assured you are not alone. Why wouldn't you want to make extra cash while working from the comfort of your home office. There are plenty of benefits that come with running your own internet based home business online.

One benefit that quickly comes to mind is having the freedom that comes with being your own boss. However, you will have to be careful as this can easily lead to slacking off and not following a set schedule. The next thing you know you have been sitting at the computer all day and don't have much work to show for the time put in. Keep this in mind as you move forward with your home internet business.

When it comes to running your internet based home business there are several different ways you can earn money with the internet and your computer. Some of the more popular ways that people are making money online include:

Starting Your Own Website or Forum - The title is self explanatory, but this is definitely one of the most popular ways that people start out trying to make money on the internet from home. You have total control but may find the difficult part attracting visitors to your website.
Starting A Blog - Many writers and or publishers prefer to setup a blog or multiple blogs on different niches. This is often preferred by users who lack regular web design skills. This makes the perfect option for those of you who do not know how to design a website. Blogs are usually installed and setup with the click of a button depending on your host. Host Gator for example will install the blog for you with a click of the mouse.

Learn How To Start Your Home Business With This FREE Google Home Business Kit!

Running PPC Campaigns - If you have money to spend on an advertising budget and you want the fastest results possible, then this is something you may be interested in. PPC stands for pay per click which is an advertising model used by the majority of the search engines. In this method you are charged per each click you receive on your ad. So, for every visitor that reaches your page by clicking on your paid ad will cost you a cer tain amount of money. You can set a maximum cost per click and a daily budget on the pay per click search engines which will keep you from spending too much too fast with your internet based home business. The three major ppc search engines include Yahoo, Google, and MSN.

Flipping Websites - This is similiar to flipping houses in real estate. Basically, people will try to buy websites cheap and then find buyers for them willing to pay a higher price. Sometimes they flip them right away and sometimes the person who is looking to flip the website will put some of his own time and effort into the site to bring traffic up or to make it more profitable. This then allows the website flipper to ask a higher price. A few of the common sites used for this purpose include websitebroker.com, dealasite.com, and websiteacquire.com.

Writing Articles or Finding Jobs Online - There are website owners and publishers always looking to outsource their work. Many people wi ll go to sites like Elance.com and post jobs for things they need done and people looking for extra money will post bids on the available jobs if they qualify.

As you have learned there are several different ways you can go about making money on the internet with your internet based home business. It really comes down to finding what you are interested in doing and what you can make work for you. Not everyone is cut out to do each type of business model.





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Jumat, 08 Februari 2013

To Succeed in Your Internet Based Home Business You Must Have These Principles in Place

If you have any interest in owning a legitimate home based internet business then you must also have heard that only 5% of all the newbies who set up an online business actually succeed and make any money.

To be one of the successes in the 5% group there are six principles that you will need to achieve as an aspiring newbie to the internet marketing world and we are going to talk about them here.

1. First and foremost you need to have a burning desire to succeed. If you are unable to visualize what you want that success to look like, you are unlikely to join the 5% of top internet marketing money makers. To get to that point you need to be able to live your desire, see and taste it, as this is what will drive you to get the kind of results you want.

2. The next thing to do is to plan and focus. Your goals and objectives are very important, but you also need to work out a plan of action. No business whether it is an internet based home business or a bricks and mortar business, will succeed without a specific plan on how it will work.

All of these points must be written down. Write down your long, medium and short term goals and how you are going to achieve them and read it everyday. In fact your goals should be rewritten at least once a month, even it there is no change in them. By doing this you will focus on what is necessary and keep working at it.

3. Discipline. When one runs an internet based business from home, it is very easy to get side-tracked and not do the work required to succeed. Even though you are your own boss and can decide which hours you choose to work, you do still need to put those hours in and do what you have to do in order to achieve the results you want. This is one of the reasons why planning is so important.

4. The ability to never give up. It is at this point that the majority of internet businesses tend to fail. The skills required to succeed online can be learned by anybody with enough desire to do so, but many people do not have the will power to stick it out until the tide starts to turn in their favour.

Every business has its failures and if you give up at the first failure your chances of ever succeeding are minimal. If you think about Edison who invented the light bulb, he had hundreds of failures before he eventually succeeded and most successful people will tell you the same thing, it is not the failures that are serious it is whether you fail to get up and try again.

5. Be passionate about what you do. If you do not totally love the idea of working from home on the internet, then don't do it. If you don't love the products that you sell or the work you are doing it will become a chore and make you unhappy, so be sure to choose something that you can be enthusiastic about. You need to look forward to getting up in the morning and pursuing your desire.

6. Learn everything you possible can about your business. This is a major key in becoming successful. Continuous study will keep your mind active and filled with new ideas and solutions and also keep you updated on the latest trends and developments in the internet marketing world.

These six principles for success if followed wholeheartedly will set you on the path to a successful and fulfilling future as an internet based home business marketer. Just commit yourself to the task, work at it persistently and follow the principles here for an exciting adventure amongst the top 5%.





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Kamis, 07 Februari 2013

Internet Based Home Business – Is This The Right Time To Start?

Would you be mad to consider starting an internet based home business now?

Some people would say "you would have to be nuts to start an online business now!"

A small but powerful group of people with inside information would say "now is the best time to start an internet based home business".

Why? Here's a little secret I'd like to share with you.

One and a half billion people (yes seriously) are online right now as you are reading this, as a potential market for your business on the internet.

And get this - 79 million Americans will start their own business within the next three years...Isn't that remarkable?

Do they know something you don't know? Yes...they do

Here are the three major reasons why people want to start an internet based home business.

1. Unemployment is at an all time high and rising. The United States is now 6% higher in unemployment than it was before the recession of 2001.

2. There is no recession on the internet. Technology is advancing so quickly that the dream of us ordinary folk working for ourselves is now a reality.

3. Two industries still shedding jobs are the Manufacturers with job losses of over 212,000 and the Financial Services industry with 79,000 in 2009 and these are the start!

So the proof is right there - there has never been a better time to pursue a home based business than now.

Here's another thing to bear in mind...

If you are still relying on a 'JOB' for your family's security - maybe it's time to re-think your life plan.

And the greatest thing of all is - you can live anywhere in the world and work from home in your internet based home business and have a life others only dream about.





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Rabu, 06 Februari 2013

Internet Based Home Business – A Proven Recipe For Success!

So you have decided to work from home and you are now looking for a legitimate successful internet based home business?

I know how overwhelming that can be - I spent six weeks online searching and sifting through numerous offers before I found what I was looking for.

But I have a secret to share with you and its this:

I joined an MLM company and worked day and night for 10 months before I realised it wasn't going to work.

And did you know that 97% of people who start an internet based home business will fail and give up within the first three months!

Why? It is not the fault of the business owner but the fault of business model!

Think about this if someone presented a business opportunity to you, with a simple step by step system that shows how to mirror the success of the top leaders in the internet marketing industry to ensure your success would you feel confident you had chosen the right business?

Typically, we launch ourselves into a home based business with enthusiasm and commitment but without doing our homework!

And you end up being broke and frustrated, having wasted a lot of time and energy! And you will never succeed.

But the good news is I can help you. I have done all the research, due diligence and ground work and you now have the opportunity to make money from online business and be a successful internet based home business owner.

What is the secret to this success? It's this...

Duplicatable Marketing System

All a duplicatable marketing system is, is being trained and coached on how to duplicate the proven effective marketing strageties that the top leaders in the industry use every day to generate large incomes online.

Here are two of the 10 ingredients for the secret source for success:

1.Marketing Strategy

The secret is to have a unique offer that is transparent and authentic if you want a competitive edge.

2. Teamwork and committed members

If you had the opportunity to spend time daily with other successful entrepreneurs and learn from them, how do you think this would affect your frame of mind and empower you to create the success you want?

Beware: Do not proceed with any internet based home business if these are not available!

Be sure to take this advice seriously before you invest your time and money in a home based business.





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Selasa, 05 Februari 2013

Internet Based Home Business – Free Advertising!

How many of you have started an internet based home business with total enthusiasm and commitment to work from home and make your living online?

I am one of them. I signed up with a multi leveling marketing company and worked day and night to get my business up and running.

After ten months I bailed out with maxed out credit cards and nothing to show for it but a big downline of members who (like me) couldn't afford to carry on.

What is it that prevents even the most committed of us from achieving our dreams?

Is there some kind of secret that we don't know about. Because you always hear about people making tens of thousands of dollars every month in their internet home based business, but no-one really tells you how to do it.

THE SECRET IS THIS! You have to advertise! How else can you get people to to know what your products are?

Now this is where the breakdown occurs. Most of you who start an internet based home business don't have a big budget to spend on advertising.

FACT IS - IF YOU DON'T ADVERTISE YOU ARE DEAD IN THE WATER...

However, there is a solution for you and I have found it.

After I quit the multi level marketing company witheven more debt that when I started, I had to find a way to pay my credit card. So, I got smart and dug around until I found the secret.

It's this: It is totally possible to get your home based business up and running using completely 100% free advertising techniques.

I have been so successful I get on on the front page of Google all the time without spending a dime!!

This is how smart internet marketersare able toachieve success quickly inaninternet based home business.

Now get this: Using these 100% completely free marketing technqiues, I have been able to generate a five figure monthly income in four short months without spending a cent!

To me this was just incredible to go from receiving a measely $200 cheque a month from mlm to generating five figure monthly figure well how would you feel if you could achieve this?

So I am going to share this secret with you and give you the absolute same methods I used to get on the front page of Google FOR FREE!

I am sharing these secrets FOR FREE.

I am doing this because I want you to succeed in your internet based home business just like I did.

Now you can stop floundering around and start making money working from home.

It is possible to live the life of your dreams using these completely free marketing techniques I have proved it to myself and now I am going to share them with you.





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Senin, 04 Februari 2013

To special educate or not (Part 1)

To special educate or not . . .

For many reasons we as a society and educational institution cant accept that some kids will always be behind. One reason for this that you dont hear discussed is grade levels, which have a negative cumulative effect for roughly half the school population. In college everybody has heard of or learned about the bell curve; which tells us it is normal and expected to have a range of abilities. Yet it amazes me how society, politicians, and educators seem to forget this fact. In education classes teachers even learn that in a given class you can expect a six year grade range. In other words, in a 5th grade class there will be kids with reading levels ranging from 2nd through 8th grades. Time out; did anybody ever tell the general public this? Also, how did this information apparently get erased from the memories of every professional working in the schools? Getting back to grade levels, consider this. The bell curve tells us that half the children will be below average. So in any grade, half the students will be behind. Think about when students start out in first grade. Half of the students will leave first grade below average (or below their peers), or below where they should be at the end of first grade. This cycle continues for most of these kids school years because they dont catch up. And we wonder why so many kids drop out when they reach high school? They have already experienced years of failure. Grade levels tell them, and remind them daily that they are failures. If you dont think so, try explaining to them year after year why they are behind.

Another way society has denied the real-life differences among children and tried to deal with the crippling effects of grade levels is through special education. The development of the categories of special education was influenced more by politics and social pressures than by research. Even today, the few categories that include the vast majority of children in special education (Leaning Disability) are highly subjective in their definitions and decisions of who is labeled and placed into special education. Research into the effectiveness of special education has shown that once a child is placed (get a label), his/her chances of graduating greatly decrease. Of course, nobody tells parents this at an IEP meeting! The child in special education receives an Individualized Education Program (IEP), which sounds impressive. Who wouldnt want an education program tailored to their needs? Well, the problem is that the goals in an IEP are at a level far below his grade placement. Whats even worse is that most of these students never get up to grade level, or catch up. So what happens when one of these children gets to high school and theyre still reading at a third grade level? I have been in many uncomfortable meetings trying to explain this to parents. But hey, they have a label, and have received professional help, so its ok to be years behind, or sometimes even nearly illiterate. The IEP becomes a license to fail.

Special education is just a reflection of the problem with our unrealistic expectations. We cant accept the fact that some kids will always be behind, no matter what we do. Since the 1970s, when the government passed massive special education legislation, the numbers have swelled, and it has been plagued with controversy. Its interesting once again how people in education so readily accept research when it seems acceptable, or they are told by the higher ups that they will accept it, but when its to the contrary educators and legislators turn the other way. The research has shown for a long time now that special education is not working. Kids who are in special education dont catch up, and they are more likely to drop out. I believe this research because I see it every day. Another thing the research tells us is that there are no clear and consistent interventions (treatments) that distinguish the children identified with the disabilities that represent the majority of kid s in special education. The disabilities that comprise the majority of kids in special education are Learning Disabled, Mentally Impaired, Emotionally Disturbed/Behavior Disorder, and Other Health Impaired (this one has so many kids because ADHD falls under it). In other words, when an Individualized Education Program (IEP) is made for these children, which specifies the goals and objective of how each child will be taught, they differ very little from disability to disability. A learning disabled (LD) childs IEP will look very much like a mentally impaired (MI) childs IEP, and so on, with all the various comparisons. And I believe this research because I have seen thousands of IEPs. The interventions always involve something like repetition, a multisensory approach (hearing and seeing it, and hands on), having directions read to them, and extended time limits. If you looked at a childs IEP goals and objectives, and didnt know their eligibility, you would have a very hard ti me figuring out what their eligibility (disability) was. What it really boils down to is we are bringing the material down to their level. If a learning disabled child is reading at a second grade level, he will have the same (or very similar) goals and objectives as a mentally impaired child reading at a second grade level. What needs to happen is that we need to teach kids at whatever level their at (remember the bell curve); but we have to stop pretending that all kids are the same, and hiding as many of the ones that we can get away with that arent at grade level or behaving in special education. This is malpractice and we have to stop doing it.

After special education legislation in the 70s it was common for schools to have self-contained classrooms. These are classrooms in which special education students spend most or all of their school day. The class size is small, with paraprofessionals to assist the teacher. As with many things in our society, there were more than enough researchers and experts to provide the proof demonstrating the reasons and benefits for these classrooms. Well in the 90s this all changed with self-contained classrooms being gutted from school districts. When I started in the field in 1990, I worked under a principal who had already been in education for about 25 years. He told me how they (people in education) had worked so hard to get these classrooms and now they were getting rid of them. And of course the experts had all the research to show why we needed to get rid of these classrooms. I guess they got it wrong the first time? I dont know, but maybe somebody should tell the taxpayer! The research and experts once again helped lead us on another humongous, costly wild goose chase, which only delayed the inevitable. For years the learning and progress of students who were learning and behavior problems were sheltered and protected from scrutiny and real accountability. Basically, as long as you had an IEP it was OK to be far behind all of your school years. And if your behavior was so bad that you werent learning, that was OK because you had an IEP. I know this sounds harsh and cruel, but dont misunderstand me. Teachers, schools, and districts were doing what they could, and trying to work within the rules they were given to try and educate these problem children. As more kids were becoming more problematic, the schools were expected to deal with them. So kids were often given a label, and any label would do. By the 90s it became obvious that there were too many kids in special education. After all, how could there be that many disabled children? So of co urse the research was provided to show that self-contained classrooms and labeling were actually detrimental to these children. Nevertheless, the reason the number of children in special education was growing is because there was a growing number of children that the regular education classrooms could not deal with. But that didnt matter, and we were pressured to reduce the number of kids in special education!

More to come on this topic.





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