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International Student Loans


You may not appreciate it, but international student loans are what help the vast majority of students in our universities secure a first class education. Most of us labor under the mistaken belief that a lot of the international students on our campuses are from well off or even wealthy families. But this is not the case. In fact, if one were to examine the countries that they come from, the startling revelation would be that almost all of them come from developing economies. While it is true that a relatively small number of them might be self-financed and consequently from wealthy families, the vast majority are able to study in our universities only because of what has come to be known as international student loans.

As the name itself reveals, international student loans are monetary assistance provided by banks and other financial institutions that enable students from one country to go abroad to further their education. For all practical purposes, international student loans are very similar to other kinds of loans. Students who want to apply for international student loans need to first and foremost secure admissions or at the very least have an offer...
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School Fundraising


I can always tell when the school year begins in the fall. My doorbell rings at least twice a week with children trying to sell me something that is way overpriced or super impractical. Usually, the first one or two kids who target my house will walk away with an order. After that, I’m not interested. School fundraising is something that will never go away and students will always feel obligated to do for their schools. Usually, prizes can be earned or won – a supposed incentive for these kids to sell their hearts out. In all honesty, you could buy the prize for a lot less than the amounts you have to sell in order to earn it.

Typically, the items that school fundraisings are overpriced. You’ll find yourself paying double what you’d pay in a department store for wrapping paper or candy. However, times have changed. There are so many different things that school fundraising sells to the public today that really can be reasonable and of great assistance to the schools. I’ve seen pizza sales, sub sandwich sales, chicken barbecue, raffle tickets – lots of creative things. Typically, I buy an Entertainment book...
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Money Management for Families


If you are having problems controlling your debt, you may be like millions of others in that you simply have problems with money management. This is one of the most common reasons why some go into debt, and it is something that can be fixed. Not only is this a problem for those worrying about their personal finances; it can also be a problem for those who may be starting or running their own small business. It is something that seems to be ignored as we grow, and many have no idea what they are doing when they are on their own for the first time.

One thing that should be taught more thoroughly in high school might just be money management, but this is something that usually falls on the parents. Those coming from a home in which money is not really a concern often think they can go about spending money like their parents do. What they don’t realize is that their parents have the money, and the children are probably not making nearly as much as they should if they wanted to match their parents spending habits. Money management is a concept...
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Educational Games
By S Davis



When I was growing up, I used to always look forward to playing educational games. My favorite ones were the educational board games. I was always pretty good at Scrabble. I was a very literate kid, and sometimes I could even beat the grown ups. At the time, I thought I was hot stuff. In retrospect I understand that they might have been letting me win, but I think I still could have given them a run for their money.

We didn't have a lot of educational computer games when I was growing up, but we had a few. The Oregon Trail is a classic of my generation. Although current educational games are much more sophisticated, for the time it was pretty good. It really gave you a little bit of an idea of what life was like for the pioneers blazing a trail out west. The gameplay aspect was good enough to make it fun and entertaining.

Of course my favorite educational game of all time was where in the world is Carmen San Diego. Nowadays, it is quite a franchise. They have spun off into several different games, show, and movies. Back then, however, it was just one program with pretty primitive graphics. You had to solve riddles and puzzles to find Carmen Sandiego. The game would quiz you about geography, history, and any a number of other topics. It kept my on my toes and challenged me consistently. Best of all, it was always a thrill when I could actually track her down and win the game.

Today's educational games are much more sophisticated. Some of them are fully immersive. There are educational computer games that will show you how an empire was built, give you detailed inside views of famous buildings, and teach you all kinds of fascinating science facts. As a matter of fact, educational games are even used in some of the top medical schools nowadays. Rather than doing dissections, many medical programs use educational programs which simulate dissection. This saves money, eliminates the necessity to sacrifice so many animal lives, and often provides a more useful illustration than cutting into real tissue would. Not all of these programs can be called games exactly, but I believe that they do build upon the humble beginnings of educational software. It is a testament to the quality of the early educational games that people still remember them.







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Good Investments for Children

I have clear childhood memory - of a man coming to our school when I was only eight years old to talk about investments for children. He showed us what saving just five dollars or pounds a week could do for us from that point until we were adults. The amount of money made from interest was astounding, and had I been smart, I would have started such a program once I was earning my own money. I made the mistake of thinking I had plenty of time. Now that I am in my mid-thirties, I wish I would have thought about savings and retirement much sooner.

Investments for children came to my mind in full force when my daughter was born. One of the first things I thought was that I didn’t want to her to struggle with money as I have in the past. Though her choices will be her own, I can do my best to teach her about savings and learning that not all money should be spent right away, even when you think you have nothing to save. Just five or ten dollars each check can make a huge difference years down...
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Educational Games

When I was growing up, I used to always look forward to playing educational games. My favorite ones were the educational board games. I was always pretty good at Scrabble. I was a very literate kid, and sometimes I could even beat the grown ups. At the time, I thought I was hot stuff. In retrospect I understand that they might have been letting me win, but I think I still could have given them a run for their money.

We didn't have a lot of educational computer games when I was growing up, but we had a few. The Oregon Trail is a classic of my generation. Although current educational games are much more sophisticated, for the time it was pretty good. It really gave you a little bit of an idea of what life was like for the pioneers blazing a trail out west. The gameplay aspect was good enough to make it fun and entertaining.

Of course my favorite educational game of all time was where in the world is Carmen San Diego. Nowadays, it is quite a franchise. They have spun off into several different games, show, and movies. Back...
Read more

Disney Movies


The Disney movies that my daughter sees today are very different from the ones I saw when I was a child. I remember seeing Bambi when I was in the fourth grade at school, and I was troubled by what I saw for a very long time. Most children are extra sensitive, and I don’t know that I should not have seen that movie at that age. It’s not that most children that age cannot handle such a movie, it was just that I couldn’t. I remember going home and crying for hours about what I had seen in that movie.

I understand now that I am a mom, that I have to keep an eye on what my daughter watches. This means that I have to know what she is going to see before she can see it. For the most part, any parent can trust Disney movies, as they are always of good quality and have a good message, but some are not meant for the younger crowd. Parents often ignore that and children see things they may not be emotionally old enough to deal with just yet.

It is almost impossible to...
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