College: Skyrocketing Costs, Student Debt, and Budget-Wise Choices

Not only do student loans and their accompanying debt keep making news, such lending has become big business for the federal government. In fact, federal student loans have nearly doubled since 2007, with the result that the U.S. Department of Education realized a profit of more than $42.5 billion in the past fiscal year. Plus, had Obama and Congress not temporarily lowered student loan interest rates this summer, that figure would have been about $8 billion higher, thus edging out 2011’s whopping $47.9 billion haul.

The other result: Student loan debt now stands at some $1.2 trillion. “That,” says Federal Reserve chairman Ben Bernanke, “is a burden which is affecting, for example, the ability of young people to buy a first home, affecting other purchasing decisions they might make, affecting obviously their overall financial condition.”

Meanwhile, Bellevue University’s study,”The Search for Affordable Alternatives: Rising Costs and Massive Student Loan Debt … Read more

Clever Students Section

Language Lesson Integration: SDGs 2030 – Here Are Tips

May 3, 2024December 20, 2022 - by Ludivina Leveto

Good thing, we have lots of resources around about making the world a better place to live in. Inclusivity mantra. Yes, if we want peaceful world, all– no exceptions– must have their safe spaces, and nary an issue about their uniqueness be used against them, by those bullies around.

Ignorance is rampant.

Even those who are so-called in the position of power. Sad thing, lots have already suffered from their excesses. Lots have been victims of their greed, mal-education and the like.

Good riddance to those who have gone, bring with you your prejudices and narrow-mindedness.

Sustainable Development Goals are great ways toward making this world livable to all beings, not just the majority who thinks they are privileged to be condescending, favored and can always get off the hook of their wrongdoings.

As conscientious person, this must be things to reflect on. Why are there people who are selfish, … Read more

Highland Elementary School

Best Spanish Learning Software – Reasons Why You Should Learn the Spanish Language

May 2, 2024December 20, 2022 - by Ludivina Leveto

If you are engaged in a business that serves many customers in different countries it is imperative that you learn how to speak the Spanish language. Imagine you lose customers because you are not able to understand them because the speak Spanish. Also remember that people who are native Spanish speaker does not understand the English language too. Learning how to speak Spanish using learning software can really help you a lot in serving your customers better.

Having to learn how to speak the Spanish language gives you better communication skills because you are able to communicate effectively with Spanish speakers. U.S is in fact surrounded by Spanish speaking countries like Mexico, Brazil and so on. This is also one good reason why software developers took time to really create Spanish learning software that you can use anytime as long as you have your computer and Internet connection.

If you … Read more

Clever Students Section

Conquer Your Fear Of Public Speaking: Lesson 1 – There’s Nothing Wrong With You!

May 1, 2024December 20, 2022 - by Ludivina Leveto

Did you know that babies (we) are born with just two fears? Loud noises and falling. Beyond those two fears your subconscious was a blank slate. You learned all of your other fears from someone else.

From birth until about age seven we have little reasoning ability. We’re like little tape recorders. Whatever we were told got downloaded into our subconscious minds as fact.

This downloaded information was put there by people who loved you such as your parents and relatives who wanted to protect you. You were bombarded with phrases like, “Don’t go near that water, you could drown!” “Get away from that dog, he’ll bite you!” “Don’t climb up there, you’ll fall and get hurt!” It is no wonder that so many of us fear water, dogs and heights!

It would be wonderful if our formative years were filled with positive, reinforcing comments such as, “You’re so smart”, … Read more

Woodland Elementary School

String Devices – Bowed, Plucked and Struck

April 29, 2024December 20, 2022 - by Ludivina Leveto

These are songs instruments that are generally struck, plucked or bowed to deliver appears. They are also regarded as chordophones. The most well-known instruments in the string group consist of cello, double bass, banjo, harp, guitar, violin and mandolin amid other people.

Above the previous centuries, music has been included in the day-to-working day life of numerous peoples of the world’s traditional songs whose influences have been introduced alongside one another by means of technological improvements. These have brought alongside revolutions in the songs sector main to improvement of new and improved tunes modes, instruments actively playing techniques and viewers participation. Different audio genres have emerged with distinct musical devices generating distinct musical seems consequently top to diversity on people’s passions and musical differences.

The only way that a string instrument generates sound is by vibration of just one or more strings and the audio transmitted by the instrument body … Read more

Highland Elementary School

How to Learn to Speak Spanish Fluently

April 28, 2024December 20, 2022 - by Ludivina Leveto

Do you want to become a fluent Spanish speaker? Are you looking for some tips on how to learn to speak Spanish fluently? If so, read on, because you are in the right place. In this article I’m going to help you learn Spanish within a very short time! Here are three tips to become fluent in Spanish.

1. Travel to a Spanish speaking country

Nowadays it’s cheap to travel. If you live in the United States or Canada, you can easily fly to Mexico, Central or South America and practice your Spanish skills. A week or two in a Spanish speaking country can tremendously improve your Spanish skills (given that you only speak Spanish and interact with locals every single day for at least a few hours).

2. Write a lot

Writing improves your grammar skills and helps you learn dozens of new words. You can start a journal … Read more

Author: Ludivina Leveto