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Information for students of all ages

National College Fair

Sponsored by the National Association for College Admission Counseling (NACAC)

Fairs sponsored by NACAC are held all across the nation each spring and fall. Significant numbers of colleges are represented and come from all across the country. Attending National College Fairs is an ideal way to learn about the entire college preparation process. The next spring National College Fair will be held in:

Springfield, MA
March 7, 2010 12-4pm
and March 8, 2010 9am- 12pm

Eastern States Exposition (The Big E)
West Springfield, MA
For more informaiton follow the Springfield link or call 413/737-2443.
You can also contact NACAC using E-mail collegefairs@nacacnet.org or call them at: 703/836-2222 ext 155.

"Nothing is enough"

This is a short post, and likely a transient one--my children are in Galway, and this is a Galway story.

Last July, Leslie and I found ourselves in Monroe's, a crowded pub on the locals' side of the canal in Galway. We were a bit lost, and a bit more hungry. Ordering in a pub is different than in the States--you order at the bar, and your food finds you.

The place was crowded, and a waitress took us under her wing--that she happened to be stunningly Galway beautiful did not escape me (and, thankfully, Leslie). Her hair was black, her eyes blue, and I suppose I cannot fault her for her western Oirish accent. I fell in love.

The lass found us a quiet spot, and made sure we got fed. We wanted to tip her, though tipping in pubs (at least outside Dublin) is frowned upon--the waitstaff are not servants, and many take pride in what they do, and they do it well.

Still, we felt we had to offer something, and so we asked--what is the custom?

Her reply: "Nothing is enough." I heard it one way, Leslie another, and indeed, nothing is enough.

And with a roof over our heads and Guinness in our bellies, nothing is more than enough.

What does this have to do with science? With biology? With education?

Take a walk outside--nothing is indeed enough. We are animals. We eat, we breathe, we move, we live. The sun, the air, the soil, all gifts. Do our children see them this way? Can you commoditize something that's been given to us for nothing?

I am drinking another bottle of my daughter's mead--yeast, water, and honey now blessed with time. She was born 27 years ago, and her brother followed her 3 years later. Neither took much more than the mead to make, and both, I think (and I pray) know that for happiness, nothing is enough.

And should you find yourself in a pub with the woman you have loved for over three decades, you realize nothing, indeed, is enough.

"Are not five sparrows sold for two pennies? Yet not one of them is forgotten in God's sight."
Luke, of course, and perhaps an odd thing for a science blog.
Take wisdom where you will.

And more wisdom, from a Galway lad no more than 11.
He was fishing in the bay, when a man asked him if he planned to eat any fish he caught.
He looked genuinely surprised. "What else would you do with a fish?"

Bad Credit College Loans - Help Students Continue Their Education

Bad credit college loans are the type of student debts made available for those less fortunate students who are either in the situation of having poor credit or not having any credit. Such loans are specifically made to meet the financial requirements of college students in their pursuit of education. With all other financial aids unavailable, these loans are definitely necessary for many students in continuing their college education.

What is good about the bad credit college loans is that they are made available not only for the undergraduate students but also for those who decided on continuing their education beyond the normal college degree. Graduate students are likewise eligible to apply for these loans. Likewise, parents who do not have the capacity to pay for the college education for their children may apply for these loans. Bad credit student loans indeed can be an effective means of financing education, especially for those with poor or no credit.

When finally you decided in applying for bad credit college loans, you have to fill up a form that will require you to divulge important personal data and information. This will be scrutinized upon as a check on your credit will be made by the school or financial company that will grant the student loan. Poor credit standing obviously will be reflected on your application, which is deemed okay to the lender as you are applying for bad credit student loans in the first place.

Bad credit college loans helps you make a good start in your road to build up good credit. Of course, without them you are deprived of your right to complete your college education. Hence, those who avail of these loans must take advantage of them to the fullest by finishing up their studies and finally improving their credit score.

leyrarey lesesne 18 +

pinky girl with hot legs ever!

Strawberry girl...

we love you too honey!

Is he the right choice ?!

Jakarta. Ale strikes again, this time she comes with her actual steps on the real life, to practice what we call as 18+ movements. And now, take the sex effects of those movies, she practice it as an experts...you can imagine that, she only 17 years old but acting oh noo...act like 18+ girls...

I think we live in the very hedonistic era....

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Ambergris

Leslie and I took a walk along the edge of our world, as we do most Saturdays. The tide was out.

At the edge of our universe, we witness miracles. Today we saw a 1" horseshoe crab the color of sand, not quite a yearling, making the universal horseshoe crab tracking pattern. I rescued an older one, at least a decade old, flipped upside down, a gull nearby eying its gills.

The beach is littered with blue crabs recently dead, their murderers betrayed by the tracks of webbed feet.

The February wind whipped through our coats.
It's still winter here.

And then I stumbled on this:

Its earthy marine aroma seduces me, and repulses Leslie.

I think I've found a good chunk of ambergris, worth something back in the days before chemists played gods. A decade or two ago, a sperm whale wrestled with a giant squid, perhaps a mile deep, and won. The squid's beak took one last stab at the whale's gut, which formed a protective coating of, well, whale excrement around the squid's last charge.

The beak was eventually expelled, either as poop or vomit, neither method particularly charming, and after years in the sea was tossed up on our beach.

If anyone wants to buy it, let me know. In the meantime, I'll keep sniffing it, drawing up images of death and delight in the deepest recesses of my hind brain.

It was 2 years ago February that I tossed a whale's tooth back in the drink.
I wish I held onto that. Far more interesting than a piece of poop.

Horseshoe crab photo by Leslie, of course.

Student Loan Debt Consolidation 101

In July of 2006, the interest rate on federal student loans rose. The impact is that these rates will remain high through 2012.

Should You Consolidate?

If your student loan has a variable rate, it is not such a good idea to consolidate the loan as you could end up paying a higher overall rate of interest. If you have a fixed rate, however, consolidation would be a viable option.

The Benefits of Consolidating Your Student Loan

* Payment - you will only have one payment to make each month and won't have to keep track of individual payments and interest rates.

* Reduced worry - you will no longer live in dread of the phone ringing and hearing the voice of a creditor on the other end.

* Emotional savings - you will benefit from a reduced preoccupation over paying back your loan.

* More options when making payments - when repaying a student loan consolidation, you will typically be extended a higher degree of leniency when making your repayments. This can be of great importance when you have to adhere to a strict budget.

The Down Side of Student Loan Consolidation

Your new loan amount will most likely become larger. Many people do not realize that an increase in the amount of the loan is one of the consequences of going down this avenue. This is because by consolidating your loan you will be adding more years to it. You might be able to pay less every month, but it is at a cost. You could wind up paying much more over time.

Additionally, you are not guaranteed to be accepted for this type of consolidation even if it is a simple application process.

More Hints

If you are interested in consolidating your student loans, now is the time to do so. The result of waiting could be that you end up with a much higher interest rate.

Make sure you have sufficient knowledge of the process before engaging, and certainly before committing to a new loan. Take the time to read the small print of any agreements to fully understand your obligations before signing.

Assess various interest rates offered, and resist the temptation to opt for the first good one you come across. With a little persistence and patience, you will likely find a good interest rate that accommodates your financial need.

Opting for the lowest repayment plan you can find should, ironically, be your last choice. If you are in a position to make higher payments, do so. That will reduce the length of your loan and improve your financial situation more quickly. By selecting a lower repayment, you might have more money to spend every month, but you'll wind up paying much more for your loan over the long haul.

Dasar-Dasar Pendidikan MIPA

BAB IPENDAHULUAN
A. Latar Belakang

Ilmu Pengetahuan Alam, biasa disingkat IPA, adalah sebuah mata pelajaan yang mempelajari lmu alam untuk siswa sekolah dasar (SD), dan sekolah menengah tingkat pertama (SMP/SLTP). Namun berbeda pada istilah yang terdapat di sekolah menengah tingkat atas (SMA/SMU) dan perguruan tinggi, kata IPA lebih dikenal sebagai salah satu penjurusan kelas yang

RPP dan Silabus SMP

RPP dan Silabus SMP ini mencakup standar kompetensi, kompetensi dasar, materi pokok/pembelajaran, kegiatan pembelajaran, indikator pencapaian kompetensi untuk pencapaian, penilaian, alaokasi waktu serta sumber belajar Tahun Pelajaran 2009/2010. Berikut RPP dan Silabusnya

TIK

1. RPP TIK SMP Kelas VII
2. RPP TIK SMP Kelas VIII
3. RPP TIK SMP Kelas IX

1. Silabus TIK SMP Kelas VII
2. Silabus

The Charming Sophie Navita !

Absolutely Gorgeous!

Can we lose it ?

Why do always gorgeous chicks longing for music-men ? And usually the man is bastard ! Sophie Navita, a rare Bataks gorgeous MC and models...has all the girls need to attract any men in the world, gorgeous face, charming lifestyle and always smile !

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Summer Programs Enhance College Preparation

Information specific to high school women

Summer is an ideal time for students to gain valuable, enriching academic and fun experiences. A multitude of colleges and universities offer wide varieties of summer enrichment programs for students of all ages.

Moore College of Art & Design offers students an opportunity to spend a summer with the arts. Contact them at:
Moore College of Art & Design
Summer Art & Design Institute ( high school women only)
Registration closes April 30th
When: June 27 - July 25, 2010
Cost: $3,825
Contact: Sadi@moore.edu - 215-965-4030
http://www.moore.edu/site/youth_programs/summer_art_design_institute

Science on the rocks

An iceberg the size of Luxembourg broke off from Antarctica after being rammed by another giant iceberg.

Reuters News Service

Where to begin?

Who knew icebergs behaved so badly (well, other than the rogue that sank the Titanic)?
How big is a "Luxembourg"? A thousand square miles?
Will the AP report this in "Rhode Islands"?

UPDATE: the AP reported that "a big chunk of ice, slightly smaller than Oahu, broke off from a place it wasn't supposed to." I had no idea Oahu and Luxembourg were close in size.

If I had my physical science classes this year. I'd sic them on this--figure out what happened and why it might matter.

Beats memorizing the Periodic Table....

Pengertian Organisasi

Pengertian dan Definisi Organisasi menurut para ahli:

Menurut Stoner
Organisasi adalah suatu pola hubungan-hubungan yang melalui mana orang-orang di bawah pengarahan manajer mengejar tujuan bersama.

Menurut James D. Mooney
Organisasi adalah bentuk setiap perserikatan manusia untuk mencapai tujuan bersama.

Menurut Chester I. Bernard
Organisasi merupakan suatu sistem aktivitas kerja sama yang

Student Loan Consolidation Information - Differences Between Graduate & Undergraduate Financial Aid

At the time of researching your student loan consolidation information options you need to investigate the similarities and differences of graduate and undergraduate financial aid, as the costs of education today is ten times what it was less than 40 years ago and with the differences becoming even more stark when considering undergraduate versus graduate programs, as luck would have it there are resources now available to both types of student to assist them to pay for college expenses.

Undergraduate student loan consolidation information.

Undergraduates typically rely on a difficult mix of scholarships, grants and loans, these loans can sometimes be taken out by the undergraduates alone or by his or her parents alone and often a mixture of the two when the parent(s) start to become a co-borrower or co-signer, the basic schemes for students remain the unsubsidized and subsidized Stafford Loans, subsidized loans are more appealing, since the government pays the interest whilst the student is in school, however they're need-based, unsubsidized loans are not need-based making them available to a much larger range of students.

Graduate student loan consolidation information.

Graduates on another hand, often have fewer options for scholarships and grants just when tuition fees rise, however teaching and/or research assistantships very commonly make up the shortfall, however these positions in effect have very low pay rates and very long hours with the student having to attend courses and doing search for their assistantship.

In recent times a new option has become available to graduate students, the PLUS loans though the acronym stands for (Parent Loans for Undergraduate Students), they're now a means for a range of grad students, in the undergraduate situation parents are the borrowers and are responsible for the re-payment, in the case of grad students he or she become the responsible person.

PLUS loans have ample advantages.

Initially, they are available, since they are based on credit quality, not need-based a large proportion of borrowers are able to qualify, comparatively few grad students have had the time to get into the credit binds that working adults in many instances fall into and as a consequence he or she will usually have fewer bad marks on their credit report, this makes the decision easier for the college financial aid officials, who evaluate eligibility, however existing interest rates for PLUS loans aren't low by historical measures, rates are either 7.9% or 8.5% depending on the specific type of loan, even at the reduced rate on $10,000.00 borrowed the initially years interest total is over $750.00 and re-payments are required within 60 days of when the money is disbursed with no grace period.

Total amounts on undergraduate and graduate loans and for all non-private loans differ as well, even the maximum total amount over the lifetime of the program varies between undergraduates and graduates.

Both types of students will want to researching all available alternatives, nonetheless keep mindful that though it ordinarily requires combinations of funds from considerable sources, cash to pay for school is now more easily available than ever, the total amount of funds borrowed last calendar year by all students was over $50 billion, those funds are going to someone and without too much difficulty it could easily be you, if you keep this information in mind when looking at any student loan consolidation information.

Five inventions that have doomed humanity

I just read a fun post tweeted by dtitle, "Five amazing inventions that will doom us all!"

Why wait for the future, though? We already have all kinds of technological doo-dads that have doomed humanity (if not humans):

(Runners-up: Automobiles, telephones, and the incandescent lamp. And record players (recommended by John Spencer).)

Number Five: Television (and other forms of e-media)

Very few folks control television, and very few appreciate how this medium has altered our minds. Democracy depends on discourse, and folks who spend hours a day "consuming" visions produced by very wealthy people with very narrow objectives effectively remove themselves as true citizens (though they can, alas, still vote).

Democracy is essentially dead in the States, and hasn't flourished in most parts of the world anyway, so as influential as televison is, I relegated it to fifth place here.

Number Four: The Haber Process

Prometheus gave us fire, Fritz Haber gave us nitrogen fixation. We were now one with the gods.

Before the Ha

ber process, only bacteria and bolts of lightning made nitrogen available for life. Without nitrogen, we have no proteins, no nucleic acids. Haber gave humans control of the nitrogen cycle. We are gods now, able to make ammonia from nitrogen and hydrogen.

We no longer had to rely on poop for fertilizer. Our huge human population depends on fertilizer made possible by the Haber process. Ammonia can also be used to make lots of explosives.

Why is this on the list (aside from my innnate hatred of golf courses)? Haber's process created industrialized agriculture. We disconnected ourselves from the mystery (or so we think), and now believe we can continue to grow food relentlessly, without thought.

Haber helped trigger the Green Revolution. In the end, it will only mean that many more carcasses to burn when our fossil fuels are depleted, and artificial fertilizers become too expensive for all but the elite.

Fritz Haber also developed chlorine gas for use in warfare, and personally oversaw its use in France.

Number Three: The written word

Yep, I use them. I read, I write, I even (*gasp*) blog. I'm a hypocrite.

Words are abstract. They freeze moments. Our collective oral memory evolves through generations, tailoring the needs of the clan with the needs of the community. The written word changes all this.

NONE of any of the rest of this list happens with oral tradition alone. The written Bible does not happen, nor the written Koran. Old conflicts dissolve with time in the oral tradition. The written word keeps grudges alive forever.

In my best moments, words disappear.

I'm OK with burning books, as long as we burn all of them.

Number Two: Computers

We can now process

thought faster than we can think. Every one of you reading this post can be traced. Databases record your keystrokes. There is no longer privacy for anyone committed to living the 21st century life.

I'd like to pick my nose and maybe even savor the results without anyone knowing. (That was allegorical, folks.)

Computers allow telecommunications, allow nuclear weaponry, allow large hadron colliders, allow genomic typing, allow pretty much every foray into risky high tech hi-jinks without an iota of thought.

OK, they allow Zelda, too, so it's almost a wash.

And number one:
Nuclear weapons

We got 'em, lots of them. So does Russia, and China. The Brits. The cozy buddies India and Pakistan. Did I mention France? France!?

Well that's OK, no rogues states, eh. (Ooops...almost forgot. NORTH KOREA!)

Maybe Israel. And soon, perhaps, Iran.

But it's OK, we all love each other, and would never use them, right?

Yoshihiro, the baby died 11 days later.
Tanaka Kio, the mother, lived until December 9, 2006.

Their story, our story, is here.

Television pic from https://ishcmcwiki.wikispaces.com, via CC 3.0
Fritz is from wikipedia
The open Bible is from wikipedia, too
Univac via Georgia Gwinnett College
Yoshihiro and Tanaka's photo was taken by Yamahata Yosuke.

Am I serious about this list?
Yes.

I'd love to hear your opinions....

The Funny Nafa Urbach...

nice tongue...

nice fur!

nice hips!

Long time no see, Al Murtadin Nafa Urbach comes up with her funny tongue and hips...isn't she marvelous and cute boys ?

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Pengertian Perencanaan Sosial

Pengertian Perencanaan Sosial

Perencanaan sosial adalah kegiatan untuk mempersiapkan masa depan kehidupan masyarakat. Secara Ilmiah yang bertujuan untuk mengatasi kemungkinan terjadinya hambatan. Perencanaan sosial lebih bersifat preventif oleh karena kegiatannya merupakan pengarahan-pengarahan dan bimbingan sosial mengenai cara-cara hidup masyarakat yang lebih baik. Akibat perkembangan ilmu

Death of a daphnia

This living hand, now warm and capable

Of earnest grasping, would, if it were cold

And in the icy silence of the tomb,

So haunt thy days and chill thy dreaming nights

That thou wouldst wish thine own heart dry of blood

So in my veins red life might stream again,

And thou be conscience-calmed—see here it is—

I hold it towards you.

John Keats, "This Living Hand"

A couple of days ago, I slid a daphnia, a water flea, under a cover slip and peeked at it under the microscope. You could see its antennae sweep the water, its eyes, even its frantic heart beat through its translucent body.

After a bit of time, the heart slowed, maybe hypoxia, maybe exhaustion, time to put it back.

The daphnia came from a jug of water that has sat on the windowsill for over two years now, a jar with elodea and translucent snails and some odd jelly-like organism sticking to the side.

Daphnia reproduce every few weeks--over 20 generations have passed their lives in this bottle, their universe.

While trying to put the daphnia back in the jug, I screwed up--the daphnia stuck to the cover glass, and as I tried to coax it into the water, I squished it.

No one else noticed the death. I'm a loon--I spent hours pondering it.

***

I come from a clan of loons. We travel, we bark, we dance, we live. Mary Beth made friends in the Hunza Valley of Pakistan, and saw a valley of bonfires during an Ismaili Muslim celebration. John tackled a 20/20 cameraman, and got a spot on The Daily Show with John Stewart, and Marnie holds center court no matter where we go, and may be the funniest person on this planet.

I'm the wallflower, and I'm no slouch.

My mom was talented and crazy, but most of all, she was Oirish enough to remind us daily, hourly, that we are mortal. She gave up a shot at the professional stage to raise us, but we were audience enough. She loved us to death.

Death.

We live in a culture that denies it.

If a child learns anything in biology class, she ought to learn that in the end, death is as relentless as life, and life as relentless as death.

***

Our own death remains unknowable, of course, and I fear it in proportion to my love of life. Still, I saw both my parents finally give in to long illnesses, and both laughed, laughed, in their final moments of consciousness.

Not sarcastically, not smirkingly, not even ironically. They both laughed joyously. Neither believed in heaven, and both prayed there was no hell. Their faith was in the herenow.

Faith has no place in science class, but mystery does. Science is about pushing the borders of what we can know.

I know the daphnia I observed under the scope had some sense of awareness. I know the sun provides plant with the energy that keeps me alive. On rare, too rare, occasions I know that I will die.

And on those days I remember this, moments clarify, and joy deepens, not for what I will lose, but for what I have. In a culture that teaches children to fear their own shadows, I hope to show them the ultimate shadow, the inexplicable end that puts things in perspective.

Dozens of daphnia still dance in the windowsill jug, eating, seeing, being.

I want my students to have daphnia moments.

The Daphnia photo is by Paul Hebert at the Public Library of Science, via wikimedia.

Inquiry in Action | Download Free Science Activities,...

Inquiry in Action is a great site from the American Chemical Society that provides classroom activities for science teachers. There are downloadable materials, step by step instructions with pictures and much more.

This is the kind of site that I love to find. It has great resources, is free, and is sponsored by a group that is expert in the topic.

There is a very nice chemistry review section and the materials are good for general science and chemistry classes.

You can download the book, "Inquiry in Action, Investigating Matter Through Inquiry" free in PDF form. They also sell a printed version in a 3 ring binder for $24.95.

I love inquiry as a learning tool, but often find myself having a hard time creating inquiry activities. This book is a great resource and can also help you create modified activities .

Green Fluorescent Protein - The GFP Site

Green Fluorescent Protein (GFP) is a great site for science teachers. It talks about the discovery and uses of fluorescent proteins in science. There are some great applications as well as some controversial ones, so there are plenty of opportunities for classroom discussions.

There are some really impressive pictures, descriptions of the uses of GRP, links, classroom ideas and more. The college professor who runs the site is very approachable and will get back to emails and will help you use the material in your classroom.

It's an interesting topic and the pictures alone can get your students' attention.

Classroom Chuckles - Humor for Educators

Classroom Chuckles is a great site for educators to get a smile or a laugh. It's a great way to refresh yourself after a rough day.

The site has postings from educators that are funny anecdotes, student blunders, and more.

Here's an example of a classroom chuckle: "Yesterday we were learning about our country. At the start of the lesson I showed the class a picture of the American Flag and asked, "What flag is this?" One of my students said "That's our country's flag." Then I said, "And what is the name of our country?" The student replied, "Tis of thee!" "

You can also sort them by grade level also - pre-school, elementary school, middle school, high school, and college.

Give your self a little chuckle each day.

Definisi Hukum

Pengertian Hukum
Hukum mempunyai pengertian yang beraneka ragam, dari segi macam, aspek dan ruang lingkup yang luas sekali cakupannya.kebanyakan para ahli hukum mengatakan tidak mungkin menbuat suatu definidi tentang apa sebenarnya hukum itu. Pendapat ini sejalan apa yang dikemukakan oleh van apel doorn yang mengatakan bahwa hukum itu banyak seginya dan sedemikian luasnya sehingga tidak mungkin

Private Student Loan Consolidation - How to Go About It?

Students have taken private college loans a little too much and so they have finally decided to go for private student loan consolidation. Indeed, one should be responsible enough to make a quick thinking and deciding about consolidating your private loans. But first, make sure you do it right.

The process is known as private student loan consolidation simply because the debts that you have merged exclusively belong to the group of loans that you gotten from private lenders and financial institution. In other words, the federal student loans that you likewise acquired are not included in the consolidation. (You may merge your government debt in another program, in order not to mess up the benefits of separate consolidation)

Indeed you belong to those responsible borrowers who would not rest until his private debts are take care of and settled. Good thing that you can avail of private student loan consolidation as your responsibility to make payments to various lending companies every month is erased. With this program, you enjoy having to deal with only a single lender. he is the one who took charge of taking care of the previous loans by paying them all out, one by one.

Now with a new loan, you are afforded that luxury (as compared to your previous financial situation) of dealing with your new loan with much ease and comfort. Certainly, you are to experience a new scheme of repayment that is totally convenient. In the end, hundreds or even thousands of dollars in savings can be earns. What more can you ask for?

The sensual Rebecca

the meaning of sensuality...

is on Rebecca!

the meaning of sexuality...

is on HER also...

Bandung. Rebecca, a Dutch breed singer..still entertains our eyes with her very sensual appearance...she is hawt you know..invoites all male eyes to focus on her more...

Click here to get Rebecca FRESH HOT PICTURES to your inbox !

Student Loan debt reduction in three easy steps

As a start, the student loan payments due, and you find yourself overwhelmed with monthly payments, you must consider how you plan to handle the load. It certainly can not let the loans just slide and hope that they go is because this will not happen for sure.

The easiest way to reduce the amount of payments and interest on student loans, and in various programs that are available for student loan consolidation research. ThereThere are several options available for consolidating student loans from federal loans student loan consolidation private student loan consolidation to achieve, and how much you will be able to depend on the policies of the institution. Some of these loans start as low as 2.75% with a duration of ten years will be about twenty-five years on the basis of the amount of the loans are consolidated.

Another tip, remember how youResearch funds for a student loan debt consolidation loan, there are various programs available. The federal student loan consolidation does not always require proof of income or a credit history / And so this kind of loans are the ideal complement for students who leave school and not only have resulted in their careers. This type of loan can be a difference of up to $ 300 per month for loan paymentsdepending on how much is borrowed, compared to the message that was what the initial payments. The difference in payments to help the student can go to the house and career, instead of struggling to get ends meet, while the resolution of the loan many students.

Debt consolidation loans for students that are not supported by the government, have a slightly higher interest rate, the furnace starts at around 4.5% and appearances around 6.25%, depending on conditions. Also, require that such loans as a good creditand sufficient income to afford the payments. Some of these loans can be a term of thirty years, depending on the amount of the loan. For those who have completed their studies and can be settled in their careers, this type of discharge the loan in connection with the repayment of all loans many students.

When you start looking for a student loan debt consolidation loan, you must do some research and find out what your bestindividual needs. They want to be sure that the plan you choose is for you to make payments on time and paying all the posts of other university commitments. Be sure to accept the deal before it sounds like it suits your needs. Do some 'research and get offers three to five banks before the final decision. In this way you can see the opportunity, what other lenders have to offer and choose the mostattractive package. After all, college costs are expensive, so that the consolidation of these loans is quite a large sum of money. A difference of .25% over a period of ten years can make a huge difference, the final amount that must be repaid.

Ecstasy in a classrooom

I remember

coming to the farm in March

in sugaring time, as a small boy.

He carried the pails of sap, sixteen-quart

buckets, dangling from each end

of a wooden yoke

that lay across his shoulders, and emptied them

into a vat in the saphouse

where fire burned day and night

for a week.

Donald Hall, from "Maple Syrup"

I am drinking some fine mead made by my daughter and her beau--they had almost given up on it a few months ago. Honey, water, and yeast, when left alone long enough, make one feel like a part of a universe that matters. We play a part, but just a part.

This week's Perennial Project, my year long observation project, is for the kids to go stare at the tree they picked way back in September. The leaves gave up their nutrients, sugar flowed into the ground, and the trees "died."

And now the sugar returns, last summer's bounty fueling this spring's growth. We don't tap trees in this neck of the woods, but we could. Maybe next year we will.

***

Miracles continue to happen in the classroom. I ate the freshest rattlesnake bean possible in February--Dina brought it up to show me the bean, concerned that her plant was dying. And it was. Somehow her plant had gotten fertilized, and the bean sprout poured its energy into this lovely bean pod.

Without a thought, I ate it, and it was delicious. Another teacher eyed my basil patch this afternoon and offered to "thin" it out. My student teacher has already confessed to gnoshing on some others.

Dina will get extra credit for getting her bean to fruit, but long after the points dissolve to nothing, she will remember her bean, and the ridiculous look of joy on my face as I ate it, the freshest produce in Bloomfield, righ under her nose.

Mead, basil, and rattlesnake beans make the last week of February tolerable. We teach order and restraint, as we must in a public school setting, but wildness creeps through anyway. We share our room with yeast and daphnia, basil and fish. We've raised E. coli that fluoresce with jelly fish protein. We have tomato plants that are threatening to fruit.

And what will a child's heart follow a decade or two from now? Will it be influenced by a battery of tests designed to create super-citizens who will "outcompete" workers from around the world?

Maybe, just maybe, a heart or two will be influenced by the few moments of pure joy experienced by the oldest in the room, eyes rolling up as he savors the explosion of flavor available to anyone who cares to know. Life consumes the living, and all living today will be consumed by life.

That's science.
Just ask Donald Hall.

The photo is of Palestine, the great great grandfather of Willow of Willow Manor, via Creative Cmmons 3.0.
Isn't it a great photo?
It's reason enough for a post....

FETC Virtual Conference Spring 2010

FETC is a great educational technology conference held in Florida. They also run a virtual conference that is very good. The next virtual conference is April 22, 2010, from 10:30am to 6pm EDT. Did I mention that it is 100% FREE! Heck, you can even "attend" in your pajamas.

The virtual conference is easy to navigate and contains video presentations, discussion forums, vendor sites, and more. It is well worth your time. Everything is also archived for future reference in case you can't do all of it in real time.

There are even drawings for freebies from the vendors.

You can register for it here and get more information. I highly recommend it to anyone interested in learning more about educational technology and how it can improve teaching and learning.

What is covered in college loan consolidation?

If you are looking for someone who can be located in the College loan consolidation, you should know that you can hang your chances greatly on the type of loans that you currently have. While these loans reduce a good option for many people, their debts monthly, there are several factors before choosing the provider must be to go with. Before we talk about it, let's talk first about the benefits of using a college consolidationBoring.

The first advantage is that a monthly invoice for all your college loans. Instead of paying several creditors and may forget to pay someone, you have to write a monthly check to a lender that consolidates all your loans into one payment. As a general rule, the interest rate will be lower, which is another advantage. Furthermore, it will make your life easier, because you know exactly how much budget each month for your loan Costs. You can usually have a longer period to repay the debt.

If you try to consolidate federal student loans should be 's, then you know that the fixed rates sometimes as low as 6.75% available. Lower usually in a position to a long repayment period, monthly payments. You should be able to consolidate without charge and without seeking credit for '. Addition, there will be no prepayment penalties.

For private loans> To consolidate, you must apply a rule at least 21 years for the consolidated loan. Most lenders require that you have a minimum debt of at least $ 7500 and a good credit rating. These loans are very easy repayment terms and no penalties for prepayment.

Student loan consolidation rule is similar to what you will have a monthly payment, lower interest rate and a longer repayment plan. Student Loan Consolidation maycover various types of loans, including nurses, federally insured student loans, subsidized Federal Stafford loans and Federal Stafford loans, among others. Use of this college consolidation loan can reduce your monthly payments up to 50%!

Niken Anjani, a heavyy party-go-ers !

smoke till you dropped!

and high is the ultimate experience!

male or female are ok!

the night is still young!

She looks like Dian Sastro, her smoking style and her dugem also...when Dian Sastro getting in to marriage life, Niken Anjani still enjoys her glamorous hedonistic night life..go on party go-ers, life is full of happines...there's still plenty of cigarette and liquor out there..enjoy it !

Have fun go mad...

Click here to get Niken Anjani FRESH HOT PICTURES to your inbox !

Free Stuff - summary of free things I use to save money at school

Everyone in education knows that money is always a problem. We never have enough for our classrooms. But, there are ways around that. Free stuff means that you can allocate your limited funding to things you can't get free. There are also grants out there, but they can be hard to get (some grant applications are over 10 pages long!). So here is a list of free resources I use to save money at school (and at home).

1. Google Docs and Open Office. Why pay for Microsoft Office when Google Docs and OpenOffice are free! 90% of what I do can be handled with Google Docs. When I get something that is more intense and needs more features, I use OpenOffice. Our school district has been looking at Google Apps for Education, which could save us tens of thousands of dollars a year in licensing fees. The other great thing about Google Docs is that your files are online. No more worrying about copying files to a flash drive to bring home. No more excuses from students that they left their paper at home.

2. Don't print!! I try not to print or copy when I can. I do have some students who don't have computers or broadband internet at home, so I have to print some things. But, I have 8 computers for students in my room so I don't print things for class. Each class has a classroom blog (read more HERE) that I post resources, information, and class assignments on it. For computer assignments (virtual labs, research, webquests) the students just click the link. I don't have them print their work, they just email it to me, or post it as a comment to the blog. It saves time (no copying) and saves paper and toner.

3. Websites, email, and blogs for communication. The classroom blogs, my class web site, and email are all great ways to communicate. Most people have email or at least a phone that gets messaging. If schools could confirm that all parents and students have email or text messaging, or internet access and we could stop printing memos and notices. (Every teacher at my school has school email, yet the school will send an email AND print the memo - what a waste of paper).

4. Evernote - I use Evernote as a note taking system. No paper needed! I have my notes organized by topic. I have reference notes, lesson plans, tech tips, and much more on here. What I really love, is that I can access my notes from any internet enabled computer or cell phone. I also like the ability to "clip" web sites into a note in Evernote. What's great, is that hyperlinks on the web page are kept when clipped into Evernote. You can also attach files to your notes. Free accounts can only attach images (JPEG/PNG/GIF), audio (MP3, WAV, AMR), PDF, and digital ink files. I try to convert most of my files to PDF anyway for cross-platform support. (Here is some info on how to create PDF files for free on your computer, or online. ) I can access my Evernote files from any internet connected computer or smart phone too, so they are always available to me.

5. Textbooks, who needs them? I don't use a textbook with my physics classes. The book we have is outdated and hard to understand. We have a lot of them and they are in great physical condition so the district won't buy new ones. But that's OK because I don't need them. I use some websites and free physics textbooks I've found instead. No money spent on books that average $120 and will be outdated in a couple of years. No worrying about lost books.

I use http://www.physicsclassroom.com/ as an online resource and interactive textbook for the students. I has demos, animations, and more. I also found The People's Physics book which is available online or as a download. It is really well written and has some great examples in it. I then supplement these with other websites and resources for each section.

6. Engrade - Engrade is a free online gradebook for teachers. I have all of my classes listed here and each student is given an access code so that they can see their grades any time they want. I also give access codes to the parents so that they always know how their student is doing. It is accessable from any web enabled computer and you can generate multiple reports and export the data if needed. The great thing, no paper and no money spent.

7. Free professional development - I use my Personal Learning Network for free advice, tips, and resources - why spend money to attend professional development sessions when you can find so much out there for free. Here's my article on getting started with a PLN. And I love virtual conferences, which are also free. Most major conferences have virtual counterparts, such as FETC and TechForum.

Here's some more stuff on professional development on a budget.

8. Sugarsync - Sugarsync is an online system that backs up your files and allows you to access them from any web enabled computer or smart phone. There is a free, 2GB capacity account available. What is really great is that it keeps your files in sync among multiple computers. Make a change to a file on computer A, and it is automatically uploaded and sync'd with their servers and any other computers you have specified. You can even open/edit a file directly from their server and it will automatically sync the changes you make. I keep my school files on here so that I can work on them and access them at home and on any computer at school. No need to buy flash drives that can get lost or damaged. Just have your files on your computer and available online.

9. Free educational technology magazines - There are a lot of educational and educational technology journals and magazines out there. I have two favorites, both of which are free.

The first one is Tech&Learning magazine, which I am a TL Advisor for. I write a bi-monthly blog and do product reviews for them. The magazine has a lot of great articles and resources for teachers. They also run educational technology conferences around the country. The conferences are a great way for educators to see what is new and how to integrate technology into their classrooms.

The other one is THE Journal. THE Journal is another great resource with some really good articles, tips, and information for educators.

Both magazines also have great websites with a plethora of information. You can subscribe to either an electronic or paper version of the magazines.

The articles and information in both magazines are well written, timely, and relevent and well worth reading.

10. Free educational web sites - way too many to list, but easy to find! Google is your best resource for finding great things online and then use your PLN (See #7 above) to find more great resources.

11. Donors Choose. Donors Choose was actually started by teachers. You sign up for an account, fill out a project proposal, selecting the items you need from a variety of vendors, and then people with money to donate go to Donors Choose and select projects to fund. I have had multiple projects funded through Donors Choose. It is a very simple process and the staff can help you with any problems. I have been able to get a lot of great materials and equipment for my classes through Donors Choose.

More on Sources of Funding for Teachers.

More free stuff: http://educationaltechnologyguy.blogspot.com/2009/04/new-tl-blog-posted-today.html

I hope this helps you with some ways to save money. Please share your ideas with us!

Guide for Student Loan Consolidation

Consolidate student loans, which is also known as student loan refinancing program, can be described as an effective strategy for debt reduction. In addition to clearing the debt, a student can also save you a lot of money by consolidating student loans because these loans are offered at low interest rates, and requires students to pay lower monthly payments. However, we must consider some facts, while the decision for a student consolidatedBoring.

Financial Consulting:

Loan consolidation is not the only solution to debt management students. There are other viable options that can be used as an alternative. Information on these options is available through financial assistance. Therefore, it is important for students, a financial advisor before applying for a consolidation loan student.

Refinancing with grace:

Bonds of the Federal Republic in the form of Stafford loansprovide students with a period of six months. This grace can be claimed, even after the student from school. Repayment of the loan starts only after the deadline has passed. This is the right time for a student loan to consolidate during the grace period, when interest rates are much less than the prices at the end of the grace period. Once the student is employed, the interest rates will be determined on the basis of income.

Lender initiatives

Sosustainable in the market to be competitive, and various financial institutions and private lending companies offer a variety of packages and special offers to attract customers. Some of them are lower interest rates, flexible repayment options, a reduction in on-time payments and auto-charge option. There are many companies that offer loans student loans consolidated, it is better to shop around to get the best deal.

Another useful strategy is to opt for a variablelow-interest loans in the early years. If the interest rate drops to a respectable level, the variable interest rate loans will be converted to a fixed rate loan. Federal and private student loans should not be combined, but is not required to reimburse the decision of a consolidated loan . In some exceptional situations, students with Perkins loans on their loan if they work for a certain number of hours of employment, asEducational or community service.

The Jenny Cortez Scandalous Rape Scenes....

A tight rope...

might find the goal of V!

and leverage the hot legs up!

Well, it's Ok to see the kruistik scenes!

this is the real ones!

Ready to take action!

Every time the Indonesian Horror Movies is about to release, they use INTERNET to be their cheap and effective marketing tools. Rumors and scandalous deleted scenes to be spread widely on purpose...that's a very sophisticated but trickiest ideas ever !

Jenny Cortez is the main issue now, and Poppy Bunga following behind...who's next ? Don't worry, there's zillion actresses march behind....

Click here to get Jenny Cortez FRESH HOT PICTURES to your inbox !

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