February 22, 2012

What Not to Do When Purchasing Your First Car

You can screw up your first car purchase. Perhaps you think that you have all the bases covered. After all, you have the money, your credit is good enough to get you approved for a loan and you need a car. So what can go wrong?

The short answer is: a lot. Truth be told buying a car for the first time is much more art than science. There is no shortage of options and there is no shortage of mistakes. Let’s go over them and help you through this exciting, but dangerous, process.

Don’t Look Eager

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Yes, there are things you should say to your car salesperson, but “I must have this car” and “I’ll give you every dime I have for it” are not some of those things. You need to be smarter than that or you’ll end up with the best possible car you can’t afford.

What you Should Do: 

Be interested but don’t let on too much. Never tell him how much money you are holding and never give him the maximum dollar amount that you are willing to pay. Buying a car is a negotiation. You have to have some wiggle room.

Don’t Let the Look Fool You

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You’re probably eying a beautiful sports car right now. Sure, it’s a 10 year old model with a door handle that doesn’t work, goes from 0 to 60 in two and a half weeks and can’t start when the temperature is below 50, but why would you ever let that stop you from buying a car?

What You Should Do: 

Think about what is inside the car first and foremost. There is nothing more important than how it runs. So be sure to check out the consumer reports on a new car, and have your best mechanic look at the car if you’re buying used. The frame and the body might seem tempting, but it’s what’s under the hood that really counts.

Don’t Max Out

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Sure we’re all tempted by a new car, and it can get to the point where we are ready to dump every penny onto the table. But emptying your bank account won’t feel good for you in the long run. Especially not when a repair comes up that has to come out of your pocket and you end up having to sell your blood plasma for cash. Avoid spreading yourself too thin with the cost of a car.

 What You Should Do: 

Leave ample money in your bank account to pay for the cost of the insurance deductible, a few minor repairs, and for the cost of the insurance. At the bargaining table you should leave money in your monthly budget for all your bills comfortably, even if that means going the sensible route of plaingreenloans.com.

Buying your first car isn’t as easy or as simple as it sounds. There are a lot of moving parts and variables. The best thing you can do is make sure you are letting your head control your decisions and not just your heart.

How Jewelry Styles Have Changed Over the Years

One universal characteristic of human beings is that they love to adorn their bodies. Naturally, the popularity of different styles of jewelry will ebb and flow throughout history. While most quality jewelry looks lovely all the time, designs of different eras followed particular rules and reflected specific tastes. Consider several different eras and what made the jewelry of those eras so distinctive.

The Victorian Era

There were a lot of prominent themes that emerged in the jewelry designs during this period. One was sentimentality, which was expressed in large numbers of tiny stones symbolizing different emotions and the beauty of nature. The Victorian period went on for a long time, and brought with it three generations worth of jewelry styles. Clovers, horseshoes and stars were just a few of the natural symbols that made Victorian jewelry really stand out. It’s not hard to find those same symbols in contemporary jewelry.

Edwardian

The extreme affluence of the upper class during this period made for some serious innovations in jewelry design. This was the first time platinum was worn on a wide scale, and the lacy look of filigree was first introduced. Even today, platinum jewelry is highly valued. The colors of the Victorian era faded into lovely monochromes.

Art Deco

The Art Deco period was all about contrasts. This was a period of machine-like sharp lines and designs inspired by the latest technology. However, the treasures of King Tut also played a role in influencing the jewelry of this era; King Tut’s recently discovered tomb inspired high style and designs that hearken back to Ancient Egypt. The designs of this period are sharp, bold and highly stylized.

Retro

A lot of Retro jewelry is characterized by curvature. During World War II, a lot of patriotic themes and floral designs were popular. Due to the war’s demand for metal, yellow gold came back into favor and replaced the white gold that had dominated jewelry for decades. Also, this was the first time rose gold came into widespread use.

Modern

The modern era has been anything but homogeneous. Warmer colors and simpler designs have characterized the periods of recession that have occurred since the war. Modern tastes have gone all over the map with regard to metals and stones, but the trends today are drifting toward larger, simpler designs. You can find a wide range of jewelry on eBay with almost every subject matter, style and look represented.

Jewelry is an important part of most civilizations and time periods. Certain aspects of a time period generally manifest themselves in the jewelry produced during that era. It is often easy to tell one era’s jewelry from another, even if you aren’t an expert.

6 Driving Tips for Teens

It’s scary being a new teen driver. It’s even scarier for the parents who have to loosen the reigns and let their child out onto the road all by themselves. It’s hard enough being an adult driver and having to make sound judgments every time you’re behind the wheel, but for teens it’s twice as hard. If you’re a parent looking to let your new driver out on the road, here are 6 good tips for keeping them safe and bringing them home in one piece.

1. No Cell Phones

This rule is easy enough, but it may be hard to convince your driving teenagers to follow it. Driving decisions need to be made in less than a second, and your teens can’t do that if they’re using their phone to find the best burger joint. You must make it a rule that they turn off their cell phones and keep it in the back seat at all times. It’s going to be hard for them, but it’s for their own good.

2. No Friends

In high school, the teens with cars will be popular, but they can’t be a taxi service. Driving with other kids in the car will take away from their focus. Every passenger is like another cell phone. The last thing teen drivers need is more distraction.

3. No Late Nights

Some say that nothing good can happen after midnight. This saying is probably true when referring to teen drivers. Night driving is harder, and the amount of reckless and sleepy drivers goes up. Get teens off of the road before they get themselves or someone else injured. Give them a good curfew to stick to.

4. No Beltless Driving

It’s a simple rule and the kind that can lower car insurance for teens, but putting on the seat-belt is as safe and as smart as remembering to breathe at all times. Wearing a seat-belt increases the likelihood that you won’t have a fatal accident. Kids might not think it’s cool, but neither are needless accidents.

5. No Quiet Navigation

The GPS is parents’ way of keeping their teens on the right track. If you’re giving your teens one, just make sure they turn up the volume. The less your teens have to look at the screen, the safer they’ll be.

6. No Bad Examples

Your teens will drive the way they see you drive. If you’re on your cell phone, they will be too. You have to drive the way you want them to drive. It’s the golden rule, and it applies here as well.
Your teens at the wheel doesn’t have to feel like a bad dream. If you convince them to take this privilege seriously, then they’ll have good results on the road.

 

4 Ways to Make Sure You’re Making the Right Educational Decision

Making the right decision about your education is one of the important decisions you will ever make. Such a decision requires careful contemplation of many factors, and should not be made in haste.

But how do you know if you are making the right decision when it comes to your education? What types of factors do you need to consider?

Here are four ways to make sure you are making the right educational decision.

Sheep May Be Cute, But Being One Isn’t

When it comes to choosing which school to attend to further your education, you need to choose the school that is right for your needs. Choosing to attend a school just because all of your friends are going to go there isn’t necessarily making the right educational decision for yourself.
Don’t be a sheep and follow the pack, especially if it isn’t the right school for you.

Online, or In Person?

You will need to consider carefully how you will want to attend college. Do you want the full campus experience, complete with dorm rooms and fraternities? Or do you need a more practical mode of delivery, like online classes, so you can still work as much as you need to?
Everyone’s college experience will be different. If you decide that taking classes online suits your situation, avoiding degree scams will be high on your list of priorities. Selecting an accredited course and college will help you to avoid this situation.

Organize a Campus Visit

If you have decided campus living is for you, pay a visit! Many colleges offer open days and weekends for prospective students to visit. You stay for the day, or the weekend. It’s a great way to get a feel of the place as it gives you a taste of what life will be like for you.

What Do You Want to Be When You Grow Up?

It’s a bit of a cliché question, but it’s a very valid one. Before you start researching courses and colleges, you need to decide on what educational path you wish to take.

Imagine that you aren’t too sure of what you want to do, so you choose a course just for the sake of it. You then decide after a semester that the course isn’t for you and you want to change, but you still don’t know what you want to do! Or, even worse, you know what you want to do and you can’t transfer into the course.  If you really can’t decide, choose a course or a college that will allow you the flexibility to change when needed.

How will you go about making the right educational decision for your future?

Entering College

Preparing to enter into college can be stressful, especially if the college under consideration is either tough to get into, or near capacity. There is a need to really stand out as a student in these types of situations, and much of it starts in high school. College entrance exams, AP class, and essays are great ways to have that stand out flair.

A mathematics lecture, apparently about linear...

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Deal Makers

AP classes and high grades throughout a high school career prove to colleges that a student has what it takes to succeed in a college environment. Advanced Placement courses are college level classes that High School students can take in order to be more prepared for college.

Essays and entrance exams are integral parts of the enrollment process for c

ollege. Making high marks and saying the right things will go a long way to providing a good impression to the admissions and administrative teams of a college. Some of the key things to notate on an essay would include the following:

  1. Your motivation
  2. What drives you as a student
  3. Where you want to be in 5, 10, 15 years
  4. Your inspirations
  5. Honesty

Colleges want to have students that will help their numbers of completed degree programs. Students that drop out hurt their overall success rate that they must report, so it is important that they not take too many risks. By proving that you are a successful candidate, you are helping your chances of being accepted into a university, and attending the school of your choosing.

Canada’s 411 on Hipster Lingo: It’s What All the Kids Are Saying

Anglophone hipsters living in Canada supposedly speak the same language as their youthful American counterparts. Canadian lingo, however, can turn the conversation into a comedy of misunderstanding, even when two speakers just live a few miles away from each other. If you want to blend in with Canada’s hipsters, then you’re going to need a quick lesson in their lingo, so make sure you do some research by visiting canada 411 and read this article for some quick and helpful tips.

Lesson #1: That keener brought a two-four and a mickey to the party, and he’s on pogey!

Let’s break this sentence down into individual elements so that English speakers around the world can make some sense of it.

Keener: In the U.S., you might call a “keener” a brown-noser or a suck-up. He goes out of his way to appeal to someone, but he isn’t doing it just because he’s a nice guy. He’s doing it to earn the favor of someone with higher status than him (such as a teacher, a cute girl, or the lead singer of Bare Naked Ladies). A bit of a phony, most people can spot the keener easily, and they dislike him for not being sincere. Still, they’re willing to accept his unrequested gifts, so the keener serves a somewhat useful function.

Two-four: This one’s simply. It’s a 24-pack of beer, specifically bottles of beer.

Mickey: This one’s a little harder to understand. In the U.S., someone “slips you a Mickey” when they put a drug, such as Rohypnol, in your drink without your knowledge. In Canada, though, a Mickey is a 13 oz bottle of booze such as whiskey or vodka. OK, it’s a 375 ml bottle in Canada because they use metric, but whatever. It’s the same size.

On pogey: When someone is “on pogey,” they’re getting welfare checks from the government. This doesn’t count if you’re getting an “art stipend” or something similar from the gov. It’s not good to be on pogey because you’re not pulling your weight. If, however, you’re like the guys  from Vice magazine (who started their uber-hipster magazine with a federal grant in Canada before moving to Hipster Central, Brooklyn, New York), then you’re not on pogey. You’re just awesome. The difference is sometimes quite obscure.

Putting it all together: That suck-up brought a 24-pack of beer and a 13 oz bottle of liquor to the party, and he’s on welfare!

Lesson #2: We had a supply teacher and Jim was giving his tutorial yesterday, so I skipped morning class to hang out on my chesterfield with a glass of homo milk while I fed my Molson muscle.

Again, let’s start by breaking this Canadian slang into each element.

Supply teacher: A supply teacher is a substitute teacher. They conduct class when the regular teacher is away from the school because of sickness or personal business. Like in the U.S., students often skip the supply teacher’s class because they manage to convince themselves that the class doesn’t matter and that there aren’t any repercussions.

Tutorial: This is what American students might call a “recitation” or “presentation.” It’s when a student gets in front of class and presents information on a research topic. Again, a lot of hipster students convince themselves that they can skip school when their classmates give recitations so that they can smoke expensive cigarettes and make ironic jokes about how pointless school is.

Chesterfield: A chesterfield is what most people would call a couch. You have to note the context with this one since the word “chesterfield” can refer to numerous things around the world including a cigarette, a coat, an indie band based in England, and numerous cities/districts around the world.

Homo milk: Get your mind out of the gutter. Homo milk means whole milk.

Molson muscle: Refers to the “get your mind out of the gutter” statement above. A Molson muscle is a beer gut, AKA beer belly. Molson is a popular type of beer in Canada; people who drink a lot of this high-calorie beverage tend to get pot bellies. No one likes to be called fat, though, so you just refer to your gut as a Molson muscle. Workouts usually involve much less sweating than going to the gym and you can grow the Molson muscle to epic sizes by doing little more than watching TV and getting drunk all day.

Putting it all together:  We had a substitute teacher and Jim was giving a presentation yesterday, so I skipped morning class to hang out on my couch with a glass of whole milk while I worked on my gut.

Lesson #3: The diner was having a special on tourtiere, Nanaimo bars, and poutine, so I grabbed my toque and braved the snow, but they only had butter tart and beavertail when I got there.

Yum! A delicious treat for any Canadian. Well, worth braving the storm!

Tourtiere: A meat pie made in Canada typically made from beef, pork, or veal. It’s a popular dish served during the Christmas holiday. It’s the Canadian equivalent of a shepherd’s pie.

Nanaimo bars: A rich dessert with a three layers: a brownie on the bottom, a thick layer of icing, and a brownie on top. It’s immensely popular. Delicious!

Poutine: Americans often shirk at the very idea, but poutine is a dish that combines French fries, cheese curds, and gravy. If you think that sounds disgusting, then you’ve obviously never had it. Poutine is a rich treat that you shouldn’t eat on a regular basis. Imagine a KFC Famous Bowl with French fries instead of mashed potatoes and you’ve pretty much got the right idea.

Toque: Toques get called many things all over the world. Whether you call them toboggans, sock caps, or stocking caps, they are wool hats worn in the winter to protect from the bitter northern winds.

Butter tart: A butter tart is kind of like a small pecan pie, except that it is baked as a tart instead of a pie.

Beavertail: Americans have bear claws. Canadians have beavertails. Beavertails are fried pastries that kind of look like the tail of beaver.

Putting it all together: Canada is delicious, but it’s cold, so take a hat with you.

The Concluding Lesson

Now that you have brushed up on your Canadian lingo, you can blend in with the most northern of hipsters. Remember that the comedy duo Maclean and Maclean is hilarious if you’re into fart jokes; David Wilcox is not the folk singer from America, but rather the Canadian guitarist and poet; and you knew about Broken Social Scene way before they started selling out stadiums around the world.

Learning to Learn

Teachers strive from the moment a child walks into a classroom for the first time, to help and guide students to be independent learners. Believe it or not, learning is actually a learned process. The learning that is required for college, what our society considers educated, and for solid careers means that students will need to be able to gather information, process that information, then apply that information. The gathering and analyzing techniques are essentially what is taught in schools.

GDR

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The Content Schools Teach

Schools teach content based on a list that has been provided by the National Board of Education. This list is based on the principles that students must be prepared to enter college and succeed with the

information they have learned in their primary and secondary years.

The biggest key about content is that teachers are teaching students how to utilize that information, more than just learning fact and dates, students are learning how to synthesize the information they are presented, thus they are being taught to learn. This is the one area that many people do not understand about teaching, and leads to so much debate about its value in our society.

Succeeding in College and Beyond

Students that are successful in their logic development are able to be successful elsewhere in their life. Endeavors like college, work, and even community participation is all completed while using critical thinking and evaluating skills that are taught from the time a child enters Kindergarten. This is the basis for education.

Concurrrent Studying

Concurrent studying is a common event for those that desire to fast track the college process while still in high school. This basically means that high school students are taking college courses while they are in high school full time. These types of students are able to complete their AA degrees, or the first two years of college, before they technically even enter college officially. Many of these students graduate by the time they are 19 or 20, and can then enter graduate school years ahead of their peers.

How to Enroll Concurrently

Charter School of Wilmington students

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Concurrent enrollment is completed with a parent, and is available at most community colleges. While this does not have the impressive sound as a big university, it does impress universities. To have completed all of the general education while in high school is a big impression maker. Universities want to accept students that will be able to handle and complete their coursework. By proving that college work is not overwhelming, student can have the pick of their four year schools.

Concurrent enrollment also offers a cost savings, as most community colleges are very affordable. This means that student loans are not required in order for a student to attend a local school, and that the saving for a four years school can still be used for the declaring university. For parents this is a big step in the right financial decision. For many, this is the best way, and sometimes the only way, that students can attend their university of choice.

Father/Child things to do for Father’s Day

Stuck with the Brut cologne and a new tie, right? That’s Father’s Day for you. Or, maybe the whole day is dominated by the remote control as Daddy simply sits there on the couch and literally does nothing. Sort of like a day off from life, right? Right.

This is the reality, though — days like that aren’t really that much fun. It’s simply a representation of how Hallmark stores can plug more of their products to the public. Think about it. When Mother’s Day comes around, it’s an all-out spectacle of wonder and royalty filled with fun family time dedicated to Mommy including going out to a really fabulous restaurant. What does Dad get to do? Simply sit around and do nothing.

Make Father’s Day spectacular this time; and this is how you do it:

Forget Elaborate and Extravagant

For awhile, it might seem that a simple day on the couch would suffice. But think about what your husband/father might want to do for fun: something to kick back and relax and enjoy. The trick, though, is to make it simple. Dads don’t like complex plans; they just want something easy, without the “media attention,” so to speak.

One idea is to simply make Daddy laugh — through the  whole day! Pacman adult and child costumes can really make a day memorable for Daddy, especially if he has a crazy sense of humor. Or, if you don’t like Pacman, choose other kinds of twin costumes to wear.

Not a Whole Lot of Dollars Necessary

Speaking of the costumes and such, you do know that it won’t take a whole lot of money to make that possible. Whatever activities you have planned or gifts you want to give, keep it thrifty. The fact is it will make Daddy laugh even more that you spent so little money for something so cute to do, or wear, or use.

One idea is to simply buy one of those giant Super Soakers and a few water pistols for the kids. Watch the fun happen.

Time for Dad to Enjoy Something Fun

Usually it’s about the kids, or about Mommy — Disney films, kiddie concerts, fun plays and musicals. Things like that. Don’t misunderstand — Daddy probably does like all of that stuff, but you can imagine he must like wrestling events, boxing events, monster trucks, or even circuses. Maybe one plan you can have for just Daddy is to go out with the “boys” and enjoy a couple of hours of Golf! ….Dressed as Pacman, of course.

You get the picture?

Men do like the effort made — but it certainly doesn’t take a lot of it to make an impact. Something as simple as a day out doing something the man of the house can enjoy is all it takes. Doing something with the little tyke can also make it special. Have him put the remote control down, and tell him to don that Pacman costume and watch the happiness unfold.

Further Education: The Other Options

Drawing 

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Investing in further education is a smart decision. A degree can open doors and provide valuable life skills. But what if your needs and wishes aren’t met by a degree? What if a traditional college setting isn’t right for you? Don’t worry; your path to education doesn’t have to end now.

 

A Special Focus

 

Maybe you want to be a chef, a dancer, or costume designer. In your search for qualifications, you may find few university programs catering to your needs. There are specialty schools that focus solely on training in less traditional areas, and they offer diplomas, certificates, and degrees too. Consider these:

  • Cooking schools like the CIA or a program offered by a university.
  • Arts or music schools; Juilliard is just one of many options.
  • Technical and trade schools for preparation in specialized employment like drafting, web design, and automotive repair.

 

Options Online

 

The options for pursuing further education online have grown exponentially in the last few years. Education via distance or online is a great option if you have job or family commitments that prevent you from venturing on campus. Well known universities like Harvard are increasingly making courses available online. Do your research before signing up: make sure your program is accredited.

 

Start Small to Save Money

 

Enrolling in an inexpensive community college nearby is a great way to save lots of money. In many cases, you can transfer your earned credits to a good university after a year or two. Check the guidelines for credit transfer beforehand, so there’s no disappointment down the line.

 

 

Don’t put your future on the backburner; there is an education with your name on it!