Education-savings plans Coverdell vs. 529

family13

If you are a parent or a relative who is thinking of a great way to save college money for the children in your family, Education Savings Plans may be the right choice for you. There are many things to take into consideration if you’re thinking of participating in one of these. First, you have to choose which plan is right for your family based on your financial needs and goals. In addition, the age (under 18) of the beneficiary or of the student who will benefit from the plans is also critical. Because of these factors, the information presented here is mostly useful for parents or relatives of young children who are looking to save money for future college-related expenses.

The two Education-savings plans, Coverdell education savings account and 529 college savings plans, have some similarities. In both plans, the money that is contributed come from after-tax dollars. This means that the money that is contributed to these plans is subject to income tax before it gets to the account. However, the earnings and withdrawal from Education-savings plans are tax-free as long as the money is used in paying for college tuition, living, and other eligible expenses.

Because the two plans are different in many ways, here are a few things to consider:

Coverdell Education Savings Account

These are Education-savings plans that are sponsored by the federal government. There is an annual limit to the dollar amount contributed into these accounts. However, parents or relatives can set up several accounts at various financial institutions as long as their contribution does not go over the annual limit.

Coverdell savings accounts have its advantages in a sense that contributors/donors have the flexibility to choose which types of investments the money will go into. For example, you may invest in stocks, bonds, mutual funds, certificate of deposits etc. In this way, you can choose either an aggressive or conservative investment strategy which will depend on how much time you have to invest or how much risk you are willing to take.

529 College Savings Plans

These are Education-savings plans that are sponsored by the state government. Every American state currently offers 529 plans.

Like the Coverdell account, your contributions are not tax-deductible but your withdrawals and earnings are tax-free as long as you use the money for eligible educational expenses. There two types of 529 savings plans and they are savings/investment plans and prepaid tuition.

The savings/investment plan can be compared to a retirement account such as a 401K which is designed to pay for eligible college expenses. As with the Coverdell plan, parents can choose an investment strategy that fits their needs. Furthermore, parents usually don’t have to be a resident in a particular state to open these Education-savings plans. In this way, parents can search for better deals and will have several colleges to choose from.

Why Students Struggle with Fractions

family6

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

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

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

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

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

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

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

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

Benefits of a Free Scholarship When You Just Lost Your Job

family13

You’re probably in the same boat like the millions of people out there. You have been working like a slave for your employer for decades and out of nowhere you find yourself out of a job. Or in some cases you might come from a household where there is only one source of income coming in and all of a sudden that income is gone. And now you and your family are wondering what to do next.

Most employers look unfavorably on job applications with a lengthy amount of time on unemployment. So as soon as you apply for your next job, you can find that your application is put to the bottom of the list. And if you don’t know already, the best thing you can do in this situation is to go back to school. I know you are probably wondering how you are going to be able to go to school when you have bills to pay.

What you can do in a troubled time like this is to take advantage of all the free scholarship programs available. it’s free money for people that are willing to do something for themselves and to better their families. The award amounts for some of these scholarships can be quite high. You can be looking at upwards of $10,000 in free money that you never have to pay back. Now you can just imagine how much free money you can get if you sign up for all the free scholarship programs out there. You can have all your bills paid with the free scholarship money and be able to go to school in order to put your family in a better financial position.

Get a head start on the millions of people out there by checking out a free scholarship available for somebody just like you at .

Enhancing Pictures With Photography Courses

family5

What Will I Learn in Photography Courses?

There are a number of skills to learn when you embark on increasing your understanding of photography. The depths to which these courses go and the topics they cover vary depending on the program. However, many courses have some basic topics in common.

The basics of photography include a number of components, including film, speed, composition and lighting. These are the cornerstones of learning to shoot well-composed pictures. Companies offering photography courses may package these concepts in a class called Photography 101 or Photography Basics. A good course will focus first on the basic concepts of photography first, such as film and processor speeds, and move into the physical portion of taking photographs. One of the most important parts of learning photography is sticking to a specific concept or act until you master it. For example, if you select a camera speed, you should continue to shoot at that speed until you completely understand how it works.

Once you cover the basic concepts and actions of photography, you may move into the tools used by photographers. Such courses may cover tripod usage, film, lenses and flashes. Each of these tools is essential to creating better photographs. Intermediate courses may move into the composition, lighting and topics that emphasize advance focusing, f-stop and aperture. Other subjects may include portraiture, action photography and photo editing.

What Equipment Will I Need?

The type of equipment you choose relies heavily on what you want to accomplish and what makes you comfortable. Cameras can cost a substantial amount of money, along with the purchase of lenses, data communications tools, flashes and equipment. If you would like to learn film photography, you can use a single lens reflex, or SLR, camera. If you prefer the ease of sharing and transferring your photographs digitally, a digital single lens reflex, or DSLR, camera may be suitable. You can even learn photography using some of the more advance point-and-shoot systems, which cost less and do not require as much equipment.

The basic items you should obtain are the camera itself, any film you plan to use, and if applicable, a tripod, carrying case and at least one additional lens. This will provide you a solid starter kit that offers some flexibility in producing a range of photographs.

Stock Market Trading Courses Are Best For People Interested In Stock Market

family7

Stock market is market which is famous among investors now days. Stock market means a market where shares of company are traded. Stocks are considered as source of income by many people. Everyone ranging from employers to house wives seems to be interested in this work. Proper knowledge is necessary before getting in this work otherwise you have face loss. For new person, it is time consuming to understand concept of stock market. Several centres have taken initiative to give training on how to survive in this market. These centres help people in selecting best stocks based on their requirement, funds and demand. Stock market trading courses aim to provide proper knowledge to people.

People can also get training online if they don’t have ample time to get training in these centres. Numbers of institutes are present that provide online training in stocks. Topics covered in these stock market trading courses include fundamental, technical, economic and company analysis. People are given training and certain strategies are provided to excel in stock market. Students are provided with proper theoretical knowledge so that they can implement it in real world. Quiz, test, assignments are provided on regular basis to keep them updated. Live projects also help students to get good understanding of stock market. In some centre’s video training is provided in order to provide thorough understanding of concept. Fees of these courses are nominal. In spite of full time courses, some institute also provide crash courses also.

Benefit of these online centres is that people can learn stock skills while working somewhere else.These Stock market trading courses provide certain other benefits to students like you could get reduced commission from trader and brokers having partnerships with your organisation. Secondly you could also get lifetime learning. This means you can learn until you are not satisfied. Somewhere you are also provided with income and wealth solutions.Certain points to be noted in stock market are: Firstly, before investing in any business there is need toacquire proper knowledge otherwise you will not succeed. Try to invest in companies with good history and record. Focus on your strategies and goal.

To excel in stock market and get benefitted from it numbers of stock market trading courses are available. These courses are available in nominal range and are best for deriving optimum benefits out of their implications.

Value Of Education India & Reputation Of Online Education In India

family15

Education was always given huge importance in India. There was a time when children had to go away from their homes and learn about everything which included learning about what was essential along with ways for survival and community service as well. There was no discrimination among the children. However, today education India is a different picture. The system has changed and though some aspects are new and better, some can be considered as the drawbacks of modern knowledge.

Development of education in India can be evaluated by taking into account the steps taken by the government for free and compulsory education. Another side of the coin is that people are also becoming aware of the value of education. Some take it as by acquiring education they will be able to get better job opportunities and hence improve their life and lifestyle. Once they have been able to attain higher educational degrees, they can give better future to their children.

The education system in India was always strong and this is the reason why there is a large percentage of Indian scientists in the worlds picture. The only thing lacking is the opportunities and a bright future. However, this is also taken care of these days and steps are taken so that the excellent students in India get opportunities here and they have a bright future staying and working for the future of their country. The best example is the acceptance and reputation of online education in India.

Though it is still not a part and parcel of the entire education system, online education is gaining popularity in India at a substantial rate. Online education is a system in which people living in remote areas or those who do not have time and money to attend regular classes can take the advantage and earn higher degrees.

Still there are many areas in India where higher education is very difficult to achieve. Even if there is caliber and capability in students, they are unable to accomplish their academic dreams. Here online education and its awareness will help people attain the degree they want to earn.

Basic Information About The Teacher Cover Letter Sample

family8

Teacher Cover Letter Sample are meant to provide certain valuable information to the teachers. It includes the important information about the teachers like the experience, achievements, educational qualification and their other vocational training. These things are generally important at the time of a[appointment of the teachers. This cover letter provides the basic information about the teacher who is going to apply for a post of teacher. The teacher used to write their experience and other important things which should be the qualities of the teachers. These letters are used to be submitted to the higher authority during the time of interview.

Teacher cover letter sample is a kind of letter that carries all the necessary information about the teacher. Generally the teachers for the schools are selected on the basis of this type of cover letter. In this cover letter the authorities get the important or some sort of idea about the teacher. This selection is done on the basis of the experience of the teacher. The more the experience the teacher has acquired the chances of the selection of the teacher will be more confirmed. After the cover letter has been sub mitted then the selection procedure of the get started. So the teachers have to submit their basic experience on that.

All the teachers must have the knowledge about this cover letter. With the help of this letter, the teachers can get the privilege about that. This is a very important to the teachers for getting the basic knowledge about the teachers. It holds the important things about the basic academic qualification of the teacher. The experience, qualification and the ability of the teachers is very important for the selection of the teachers. The teachers are selected on the basis of that.

Teacher Cover Letter Sample gives a special advantage to the teachers. The special advantage is that their portfolio is somewhat different from the other portfolios. This port folio is very valuable as it carries much useful information about the teachers. So this article has given some information about the usefulness of teacher cover letter.

Pro’s And Con’s Of Doing Part Time Jobs By Students

family12

The idea seems great when the studying students spending a few hours in accomplishing their job tasks by doing Part time jobs just for earning a few extra bucks. In some ways this idea will go profitable like they can use the money for paying their college fees or use it for fulfilling their other necessities. In other words he gains the knowledge as well as learns the value of single penny. But still there is big question is really a part time jobs is good for studying students? They have spending their lot of time in doing only part time jobs.

As we all know that this culture or trend has also been adopted in India as well. Especially in metro cities of India like Kolkata. This kind of trend has it several pros to letting student tackle a part time job in Kolkata. Earning through part time jobs in Kolkata will surely money-making process by which you can earn enough money to pay for your extra expenditures, specifically for perks like dinner and a movie out with friends. This may take some of financial burden off of you.

Moreover the students can realize the value of rupees they’ve earned it themselves. They also come aware of few basic but necessary factors of life like importance of saving, balancing a checkbook, and setting financial goals. In addition to that they won’t spend their own money the way they’ve been spending their parent’s capital. Almost students in India are greatly engaged with the call center jobs in Kolkata because these companies are offering the good salary packages with flexible timings. The students are also having showing their great interest towards the freelance jobs in Kolkata or online jobs in Kolkata.

The reason of popularity of freelance jobs in Kolkata is that there are plenty of options are available which can be can by sitting at your home only like article writing jobs, data entry jobs, graphic designing jobs and more. There is no doubt in that the encouraging the students for a part time job in Kolkata has numerals of benefits but in the same time there are equally as many cons. The major con of doing part time jobs is unnecessary stress or over load of work. The second big reason of avoiding part time jobs in Kolkata is that many times some students engage themselves in the wrong things like alcohols, drugs and more that is of course not good for single student.

A Guide To The Fire Inspector Courses

family4

Fire inspector courses are study programs which help to train students for fire safety and fire prevention techniques. Along with that it also gives fire investigators information regarding forest fire and other accidental fires. For students, who are interested in becoming fire inspectors, there are various degrees and certifications available that provide the right knowledge and training for becoming a certified inspector.

As fire inspection has direct effects on the safety of the building and the people, a trainee fire inspector generally requires passing certified tests before being allowed to inspect any property for fire damage. The courses of fire inspection are in the form of degrees or certificates that teach students the basics inspection. The students are taught how to inspect various different types of buildings and predict the areas of fire risks. Fire codes and adhering to the standards are imperative for the safety of the building and students during their studies get completely familiarized with the codes and standards.

Most commonly, the inspector courses last for about a year or two. In the first stage, the students are offered certificates which eventually lead to a comprehensive inspection certificate that must be endorsed by the local government or administration before an inspector is allowed to become an official inspector. Students, who are interested in joining, must have some sort of former prerequisite education, but for a bare minimum, a high school diploma is required.

If we take a look at the curriculum of various courses, we would find that the courses are pretty advanced and teach the students a whole host of fire related techniques. Some of the courses include a history of fire which includes fire science, fire prevention and the technologies used. Other courses include suppression techniques, building and protection coding, research on fire and arsons.

Having a career in fire inspection entails pretty good career growth opportunities. The employment outlook for these courses is expected to grow even further as this field will get more attention from the state and other federal governments. The recognition of inspectors can be estimated by their median salary which is around $50k per year. Job prospects are good for those inspectors who have good experience with suppression techniques and other scientific methods of fire removal.

For students, there are various study avenues regarding fire inspector education. Some of the federal and governmental organizations provide paid and free courses for prospective students. For long term degrees, there are various universities that have associate and bachelors degrees related to fire safety education. The best bet for these students is to get as much practical knowledge as possible and get the best hands on training as possible. Students are required to undergo a lot of practical training before they are allowed in an actual scenario. The fire inspection field is pretty unique as it not only offers professional training but offers a chance to make a difference in the society as well.

Educational Consultants Assist Students With College Search, Applications And Essays

family8

The National Association for College Admission Counseling (NACAC) recommends that high school counselors work with no more than 100 students. Most public high school counselors have a student load of at least 350 students. On average, high school counselors spend 38 minutes helping students with the college search, applications, and admissions process.

Educational consultants are not associated with a high school or college. They have the time, training, and expertise to provide individual attention to students with their college search, applications and essays, financial aid and scholarships, and the college admissions process.

Here are five reasons why hiring an educational consultant to work with your high school student might be the best investment you ever made:

1. Educational consultants understand the college admissions process and visit colleges and universities regularly to discover what makes one school different from another. They meet with college admissions officers at each school so they know about the continuous changes that take place on individual campuses.

2. Educational consultants help your student find colleges that are a good fit, not just a big name. They want your student to be successful in the college admissions process and to have a variety of schools from which to choose. They know that students have been bombarded with all kinds of information from schools. After a while, each college begins to look and sound alike. They help families separate the hype from the facts.

3. Educational consultants are able to work successfully with your student because they do not have the emotional investment that parents do. They provide reliable college information and objective advice. They give your family another opinion and try to make the college admissions process as stress-free as possible.

4. Educational consultants know that applying to college and college admissions can be a time for students to discover themselves. Students learn to assess their strengths and weaknesses. They determine what it is they want out of a college experience. This helps them with the college search and encourages students to make better college decisions.

5. Educational consultants assist students with their applications and essays. They brainstorm topics that will enable your student to write the most compelling essays that will strengthen their applications. They encourage students to consider topics that have real meaning for them and will convey their personality to an admissions committee.