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Thinking of what education might look like in the next decade, one quickly realizes that the trends in technology are leaving a large number of our students behind. We no longer live in an age of visible movement when it comes to progress and innovation. Today is an age of exponential change. New and ever-improving technologies are popping up every day and in every corner of society.Educating the best and the brightest in this brave new world will take a new and improved educational paradigm. Allowing our educational tools to age in the corner of the classroom will be the mistake that may cost us our future. Throwing away masses of children to inequitable access will ensure that we languish at the bottom of the global pool of employable workers for decades to come.The New ToolboxI was at an auction a few years ago and noticed a few old woodworking tools that I thought I could use. For a few bucks, I was able to snag an assortment of hand tools that may have been in someone’s toolbox for a generation or more. As the next decade passed, I used these tools in my shop for a wide variety of projects until my projects outgrew these old, dull tools. My woodworking creations continued to improve as did my skills and artistry. I quickly discovered that using improved tools would translate into improved craftsmanship. As any woodworker will tell you, new tools require new skills.Woodworking is a great metaphor for shaping and molding students. There is simply no good substitute for a sharp tool. If you want to build the best projects possible, you need to use the best tools possible. Thinking in terms of the next decade for our country, we will be sorely disappointed in our projects if we fail to improve our tools.Within this article, I will try to paint a picture of how technology will shape the way we educate students in the next decade. I will attempt to show the amazing possibilities that lay before us if we will simply walk through the doorway of opportunity that is open to us. My focus will be this idea: Transforming the student from being a passenger to becoming a “user.” You may be wondering what I mean by this. Let me explain.Ask yourself what it means to be a “user.” A user is not simply a person who uses. For the student, being a user should involve using the latest technology in a free and autonomous manner. This new-found freedom will allow the student to become an active participant in his/her education instead of a passive passenger. No other time in history have we been so able to make this a reality.In our current technological society, being a user also means being tracked. Tracking has become a major part of our daily lives and is precisely the engine that should drive our educational process for the foreseeable future. Tracking a student means having the ability to target education toward weaknesses and strengths. The ability to accurately customize curriculum to the individual has been the holy grail of educational philosophy for many years. This golden age of technological development may soon enable this dream to become a reality.Current educational curriculum and individual assessment is arbitrary at best. Being able to accurately asses a student can only be achieved by using modern tracking and database technologies. The means by which we can make this a reality is readily available and only needs to be taken off the shelf to be used. If Congress is looking for a shovel-ready project, this may be the one.Imagine a world where every child has a tablet computer with ready access to the App of virtual photographic memory (internet). Further, imagine that every student can access all the knowledge of humankind freely at any moment in time. Continue to imagine a world where a misspelled word brings up a spelling challenge application instead of an auto correction. Try to contemplate what it would mean for a teacher to have a database of every misspelled word, every misunderstood concept or every missed equation for each of their students. Try to envision a teacher with the ability to customize the experience of the individual “user” with minimal effort. Imagine the curriculum being automatically targeted to the user through an intuitive educational platform that knows every strength and each unique weakness. I could go on, but I think you get the point.The company that makes this standard available to the educational community will be the company that shapes the future of humankind. Will it be Google, Apple, Microsoft, or some other yet unknown pioneer?Continuing from the thoughts in my last post, I would like to elaborate on the idea of the student as a user of a new standardized educational platform. It is obvious to me that the future of education will always mirror our everyday lives in one way or another. If you examine how technology has influenced your daily life already, you begin to put together a snapshot of what it will mean to be educated in the next decade.In the last few hundred years, most individuals would consider an education as something you receive. You often hear the question asked, “Where did you receive your education?” As we proceed through the next decade, education will slowly move away from reception and toward being custom designed for the individual user. New technology will not only allow us to receive an education, but also develop an education. The question we might ask in 10 years is, “How did you develop your education?” The question of where will still be important, but the how of the matter will be the focus that defines the individual.To make this a reality we will need a standardized platform from which to develop a student’s unique education. This standardized platform will allow us to tailor a custom curriculum that will be matched to talents, interests and life goals. For the educator, a standardized platform will create a way to assist the student in discovering a true purpose in life through a unique educational experience. The basics of reading, writing and arithmetic will not be taught as much as they will be discovered and used. Learning will become a reciprocal experience between the teacher, the student and the machine.Under a standardized platform, each of these three participants will have a role to play. The teacher will be the facilitator, assisting the development of the curriculum and inspiring the direction the student takes. The student will be the user, gathering resources, skills and knowledge in an efficient and measured sequence. The machine will do the work of data gathering and analysis, which will assist the teacher and student in refining the curriculum. This data gathering work of the machine will also free the teacher from the burden of record-keeping and tedious tasks that currently distract from the real job of teaching and learning.Under a standardized system, grade level will be far less important. Achievement and progression will be measured by accomplishment and intelligence as a benchmark for success. The question of failure or success will be irrelevant and replaced with a standard and consistent measurement of potential and overall intelligence. Information will no longer be missed but continually rehearsed and monitored for retention by the machine.In our current educational paradigm, the teacher is in charge of arbitrarily constructing curriculum. This approach to curriculum development is based on inexperience in some cases, outdated materials, inadequate funding and a shortage of time. Measuring the success of a specific curriculum is currently impossible. With a standardized system, comparisons of curricular success can be made across the entire spectrum of education and then continually reformulated and enhanced by the machine.Sadly, teachers today are bogged down with an assortment of mind-numbing tasks that would be better suited to an off-the-shelf automated system. Tasks such as data tracking, reporting and record keeping are currently accomplished manually. These tasks could easily be delegated to an intuitive database. Developing a standard to follow would eliminate these tasks and free the teacher to do their main job of teaching students.Education 3.0Throughout history, man has sought to pass on knowledge to the next generation. This process started with oral tradition, storytelling and writing. With the advent of the printing press, knowledge and information slowly became available to the masses. The amount of information that could be gained by one human in a lifetime was severely limited by his access to printed materials and wealth. The majority of learning was gained through observation and imitation. We can call this Education 1.0.Education 2.0 starts around the late eighteen hundreds with universal literacy movements throughout newly industrialized regions of the world. Improvements in education slowly transitioned from apprenticeship to formal education and training. Despite our movements toward universal education, access to knowledge and opportunity continues to be inequitable throughout the world. Even with the arrival of the computer revolution, access to the tools of learning continues to define the learner.The next decade may mark the moment in history when all men are granted equal access to the greatest treasure a soul can possess. I use the word may in the last sentence because there is the chance that we will miss this golden opportunity. Access to Education 3.0 will only be gained through investment and universal standardization. If we continue to divert wealth toward fruitless goals and corporate greed, this opportunity will be lost or hopelessly delayed.Education 3.0, when it arrives, will be the age of universal enlightenment. Platforms for education and learning will slowly standardize and become globally accessible and affordable. The poorest to the wealthiest will have access to the machine that runs the platform.The thought on your mind at this point is most likely wondering what machine I keep referring to. The machine in question is the one we have been so busy teaching and training since roughly 1969. You’ve probably guessed it by now that I am referring to the internet. The great cloud of knowledge that we call the internet is precisely the mechanism that we will use to build the platform of Education 3.0. When the platform is finally in place, the decade to follow will see the greatest amount of wealth, discoveries and use of human potential that we have witnessed during our time on this earth. The only question that remains to be answered is the point at which I will leave this article.When will we allow the user to use the machine to its potential?

Indoors, outdoors, or with the kids, there is always something to do in Melbourne. Leisure activities in Australia can quickly become expensive; fortunately, there is also a wealth of no cost attractions. When visiting Melbourne as a budget traveler or as a resident strapped for cash on your day off, these five free things will give you lots to do without spending a cent.

1. National Gallery of Victoria

Housing artifacts from every significant time period in history, the National Gallery of Victoria is one of Australia’s finest art collections. There’s two locations – The Ian Potter Centre in Federation Square, and National Gallery of Victoria International, just outside the central business district on St. Kilda Road. The museum offers exhibits, talks, live events, and activities – most of which are free of charge. There’s even free stuff to do for kids.

2. Cranbourne Gardens @ Royal Botanical Gardens

Stringybark eucalypts,marshlands, bushlands, sculptures made from plants, and more awaits you at one of the world’s best botanical gardens. Free tours include audio-guided walking tours and seasonal discovery tours with a live guide. The Royal Botanical Gardens is also home to a variety of wildlife and some threatened plant species, and the Gardens plays a pivotal role in nature preservation and research. This is an ideal place to spend an afternoon with your children or to get away from the city without having to travel at all! Admission to the Cranbourne Gardens is free; there may be an admission charge to enter the Australia Gardens. There’s too much going on at this fab destination on to list in just one post, but rest assured, it is possible to spend an entire afternoon here.

3. Carlton Gardens

For an afternoon in the park, visit Carlton Gardens, located on the northern boundary of Melbourne’s central business district. Carlton Gardens is a great example of Britain’s influence on Australia’s early culture; large trees, annual flower beds, and sweeping lawns were typical of the Victorian-era gardening style that dominates many of central Melbourne’s parks and gardens. The park is also home to several species of Elm trees that were wiped out by Dutch Elm Disease on other parts of the world. The north end of the park opens up to the Royal Exhibition Building, which housed Australia’s first Commonwealth Parliament in 1901. In 2004, The Royal Exhibition Building was the first building in Australia to reach World Heritage status. Pack a lunch and spend an afternoon exploring the park and surrounds.

4. St. Kilda Beach

In the summer months, Melbournians flock to the beaches to escape the heat. St. Kilda Beach is popular with locals and tourists alike. If you’re in the mood for a stroll instead of a swim, follow the boardwalk to St. Kilda Pier. Views of Melbourne city and Port Philip Bay provide plenty of opportunity for scenic photos and people watching. If you’re a traveler in need of digs, several hostels are located within blocks of the beach.

5. Design your own siteseeing tour

Melbourne is a menagerie of world culture, architecture, and local color. The past, present, and future of the world’s most livable city coexist gracefully in the many alley ways and boulevards. There’s no shortage of things to see and do in Melbourne. Take in Victorian architecture on Swanston Street, or explore lanes and alleys filled with ethnic shops and graffiti art. Go window shopping on Collins Street, or spend a few of those dollars you saved by visiting the attractions on this list to buy yourself a cuppa from one of Melbourne’s famous coffee houses. Whether your taste is cosmopolitan or historic, interactive or introvertive, there is no shortage of attractions to fit your personality. Pull out your Melbourne guidebook, pick a few things you want to see, and plan a walking route. This is also an ideal opportunity to ride Melbourne’s iconic (and free!) City Circle tram. It takes about an hour to make the full loop, and you can hop on and off at designated stops as often as you like.

One of the best times to travel is during the summer months. This time of the year is considered the best time to travel without having to deal with bad weather. Most places around the globe will have mild or beautiful weather to enjoy if you can make your travel plans to take place in the summer. For those who can use this time, some travel tips are provided to help you make the trip as successful as possible.

When you go on vacation, you are supposed to enjoy yourself. It is not supposed to be a bad experience. To help prevent this from happening, you may need to make plans before you travel. The best trips involve careful planning. To accomplish this, you should consider a checklist. Make checklists of the things you should pack, the places you want to visit, and what your goals are for the trip. Learn as much as you can about the place you intend to visit. Once you have learned everything about the location you want to visit, you will be able to make a plan that will allow you to enjoy everything a location has to offer.

If you are going to travel with other people on your trip as most of us do, you should make sure that you have the information you need to enjoy your trip. Take time to learn the many unique summer travel tips that are available on sites that specialize in help for those who enjoy traveling. You will enjoy your trip when you are better prepared and organized. This does not mean that you have to give up on spontaneity. You can still do things that you may not have planned for but if you make a plan, you can ensure you do not miss anything that you want to do. Checklist might not seem like any fun, but they can make a big difference for your trip.

In order to analyze the larger picture, it is important to understand that real estate refers to residential as well as commercial property. Along with the land in question, it also includes fixtures, fences, and buildings that are lawfully built up on it. Apart from this, in case a piece of a land has natural resources within it, they are a part of the real estate. Located in Texas, the city of Houston boasts of a flourishing real estate market. The Houston real estate market thrives upon trade of real estate. This refers to the purchase, sale, lease, and rentals of commercial and residential real estate.

The Houston real estate market, similar to other cities, is a volatile and unpredictable business venture. An interesting factor that sets the real estate market noticeable from other trades is its fluctuating nature. Rather than being solely influenced by global recession and inflation, real estate price points are largely dependent upon local factors. Prices of immediate neighborhood properties and local events proportionately affect real estate prices instead of variations at the stock exchange. Improvements in the economy have increased purchase power, prompting a large number of people to buy real estate. Such deals could revolve around residential, commercial or investment property. Since real estate deals can revolve around financial commitments that cannot be borne all at once by clients, the lending attitude of various financial institutions affects the Houston real estate market.

In order to be at par with real estate dealings in other places, the Houston real estate market is also dependent upon appraisal services. This helps attain precise and up to date estimates of a certain piece of property and helps facilitate quick dealings. For those who wish to make a career in the Houston real estate market, can choose to enroll at real estate schools or work under the guidance of reputed firms and brokers.

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.