There are many definitions of intelligence, but the one I have learned in high school claimed that intelligence in nature is the ability of an animal or a human to use the information they have learned.

I have also read about the idea that there are several levels of learning. The lowest level of learning, is just memorizing the material and being able to “regurgitate” it in the same term it was presented, and the highest levels of learning are the learning styles that use the material in other contexts, and the learning style that builds on top of the material learned.

For example, when you teach your child about addition, and he immediately understands the concept of subtraction. Or if you teach your child about the structure of the dinosaurs teeth in relation to their food, and your child looks at your pet and tries to guess the structure of their teeth, based on their food.

Well - you don’t need to wait for your child to develop that level of learning by himself. You can develop this habit and way of thinking on purpose. Here are some examples:

If you have a baby, and you are looking for books to read to your baby or to read with your baby, choose for several books with related subjects. For example, if you have a book that tells a story about an animal ( a bear, a duck, whatever animals often appear in children’s books), prepare another book that gives different information about the same animal. The child will associate the information in one book to the information in the other book.

For school age children: if you are helping your child with math, always find a use for the concept you are learning. For example: addition. Tell a story that demonstrates the use of addition: for example: “John went to the store to buy candy. He bought one bar of Snickers that cost him 1 dollar and 1 bag of Chocolate Kisses that cost 2 dollars. How much did he spend?

If you help your child with history, and the discussion is about a certain place, pull out a map and show him exactly where the place is, and learn something about the geography of this particular place.

You don’t have to wait for your child to do some school activity. Whenever you discuss something, or observe something that calls your attention, when you come home find a piece of information about that subject in the encyclopedia, to read about. For example, you have taken your child to visit a friend, and you have heard that one of the friend’s parents is a lawyer. When you come home, find a story about a famous lawyer, or some other bit of information about lawyers. Remind your child that the friend’s parent is a lawyer, just like in the story.

In this way, you are developing in your child the habit of looking for a way to apply the information they acquire. To look for the association between different bits of information. To relate their knowledge to other fields and subjects. This is true intelligence.

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Ensuring Your Child’s Online Safety

By Millard Franco

 It seems the more advanced the online technology, the more trickery there is online. It may be hard to believe, but there are people who spend their time dreaming up ways to hack into strangers’ computers to swipe their identities and simply wreak havoc with their files. What is even more upsetting, is that a lot of times these troublemakers target youngsters and it is not their accounts they are looking to corrupt, but the kids themselves.

What do online predators actually do?

Basically, online predators scope out internet chat rooms, message boards, emails, and instant messaging to find vulnerable children. When they find a likely target, they will contact them and do whatever it takes to capture their attention and earn their trust. For example, they will find out the child’s hobbies, the kind of music they like, and they express an interest in the kid’s problems at home and at school. Then as soon as they have established a relatively strong bond, they will change the nature of the conversation. The safe and mundane topics of conversation will eventually become more intimate and sexual in nature.

As a parent, how can you protect your children when they are online?

The easiest piece of advice we can give is to monitor your children’s computer use whenever possible. We know that it is not possible to keep an eye on your child 24/7, so here are some additional tips:

-Tell your kids in advance about the danger of online predators. Keep an on going dialogue and encourage your entire family to ask questions about online safety.

-Keep the computer in a common area rather than in your kid’s private room.

-When your child is online, take a seat next to them and watch what they are doing. If any website or email looks suspicious, divert their attention or delete the message together.

-Tell your kids not to respond to any emails or instant messages that are from strangers.

-Until your children are old enough to truly comprehend the dangers that exist online, do not let them participate in chat rooms or discussion forums.

-Likewise, until the kids are old enough, have them use a family email that you can easily monitor.

In addition to these tips, there are online tools that will help you keep your kids safe online. To find these tools check out your Internet Service Provider (also called an ISP), which often offers security devices for free. Next, try your local computer store and ask about the types of software they have that will block and filter unwanted messages and websites. And also check out your web browser, which may have parental controls that you can manually switch on and off.

Unfortunately, even if you have done everything imaginable to protect your children from online trouble, sometimes a predator will slip through the cracks. If this happens, do not blame yourself or your kid. Take a deep breath and approach the problem with a level and logical head.

Some warnings signs to watch for include:

-Your child may spend a crazy amount of time online.

-You are suddenly fielding phone calls from strangers who are asking to speak with your child, or your child is suddenly receiving packages in the mail from strangers.

-Pornography pops up on the family computer.

-You notice that your child is withdrawing from his or her usual activities.

-You find out that your kid is using someone else’s online account.

Finally, there are a lot of helpful services on the internet if your kids do wind up having trouble online. The best advice is to deal with the problem directly and as soon as you can.

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Your Online Guide To Success

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 Many parents enroll their children in preschool programs without considering whether or not their child is really ready for preschool. Many parents are eager to give their child a head start in the race to educational success so children are starting preschool at younger ages. However, enrolling your child too early in preschool can cause long-term problems with your child’s education rather than giving the head start you intended.

How can you judge whether or not your child is ready for preschool? Take a look at three key areas: physical development, social development, and emotional development.

You should also look at the program itself. For example, some programs are specifically geared to a young age group and are less about formal education and more about play and social experience. Some programs have very limited time periods (only a few hours a week) and are intended to introduce young children very gently to the educational experience. However, the standard preschool program is generally geared toward children ages 3 and 4 in preparation for kindergarten. Just because your child falls within the correct age group does not mean your child is ready for preschool. Forcing a child who is not ready physically, socially, or emotionally into a formal school setting could set the child up for failure, which could then result in a life-long problem with school.

Physically your child should be able to attend to most personal hygiene issues independently or under supervision. This means the child should be potty trained as well as able to clean up afterward (including unfastening and fastening clothing). Your child should also be able to feed herself with little or no supervision.

The child should also be able to focus on a task, such as coloring, as well as listen attentively, to a story or conversation, for longer than a few minutes.

Another important physical development issue is whether or not your child is able to maintain the school schedule. Will the snack and meal breaks meet your child’s nutritional needs? Will he be able to stay awake until it is time to leave or take a nap?

Preschool is often a time and place when children learn a great deal about friendship and social interactions, but if a child isn’t ready for this level of social activity it can be tough on the child, class, and family. Children should have some experience playing with their peers, learning to share and take turns, and working out their differences before attending preschool. Children should also have some experience taking direction from adults who are not their primary caregivers. For example, a child who has only been in the care of a select few relatives may have difficulty adjusting to the care of a strange new adult.

Emotional development is another key consideration when determining if a child is ready for preschool. Is your child ready for the separation from home and parent or previous day care provider? How does your child adjust to new places and people?

If you think your child is not ready in one or more of these important areas then you should put off starting preschool. It may be that in a few months time your child will have leaped past those hurdles and be ready to start. You can also work with your child on the areas you feel need work, such as personal care or social interaction. Many programs also allow you to ease your child into the program with only a few hours a week gradually stepping up to full participation.

Remember, young children grow and develop at a tremendous pace so simply giving your child some time to grow into a program is much better than forcing the issue. In later years your child won’t feel the impact of those “missed” months on their education but a positive preschool experience will have a lasting effect on self esteem and learning.

Starting your child’s preschool experience when they are ready, willing, and able is the best way to set your child on the road to educational success.

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How to Travel with a Baby

By Irvin Mcclain

 It may sound daunting, but travelling with baby does not have to be a nightmare! A little preparation and forward planning is all you need for a successful trip with your tiny traveller.

There are certain supplies that are essential for any trip with your baby. The most important, of course, is enough food and milk for the journey. Always pack more than you think you’ll need and include plenty of finger foods if your baby is old enough — these are great for helping to keep him occupied! If you are breastfeeding and need to express milk, you can store it in a cooler, with ice, for up to 24 hours. You can also store bottles of pre-made formula in the same way — alternatively, you can add pre-measured powdered formula to the bottles, then top it up with cooled, boiled water as required.

Another option is to bring “ready to drink” cartons of formula. Whilst ideal for the journey itself, be aware that you may not be allowed to take these cartons with you into certain countries. Sealed containers of formula do not normally present a problem.

Solid foods can be packed into a cooler, although a better idea is to bring foods with you that you can easily prepare during the journey. Avocado pears and bananas are good examples, as they can be simply peeled, mashed and served to your baby at room temperature.

Always bring your own feeding bowls and utensils when travelling with baby - many eating establishments do not have cutlery appropriate for an infant’s use. A travel high chair is incredibly useful, too — and means that you can comfortably feed your baby wherever you go. Disposable bibs, or a wipe-clean plastic bib, can be very convenient when travelling and they certainly cut down on the laundry!

If you ask for food or milk to be warmed for you, be VERY careful to check the temperature on its return. Busy waiters or cabin crew may overheat the food and you will need to wait for it to cool down. With this in mind, ask for any food or milk to be warmed well before you’re actually going to need it!

Many parents worry about how to sterilise feeding equipment when travelling with baby. There are many products available to assist with this, from microwave steriliser bags to disposable bottle liners. Most stores dealing with infant feeding equipment will offer a range of travelling accessories such as these.

Other essential items for your trip will include nappies/diapers and scented diaper bags. If you’re heading to a warm destination, adequate sun protection is a must! Also, consider bringing a small nightlight - if you’re breastfeeding, it can be very useful in a dark, unfamiliar hotel room.

To help your baby cope with the trip and to reassure him in new surroundings, be sure to bring his favourite blanket. This can also serve as a handy “curtain” to shield an aeroplane sky cot/bassinet from the light, or for naps in his stroller when out and about.

Dress your baby in light layers when travelling — not only does this make it easier to cope with fluctuating temperatures, but if your baby spills his food, for example, you can easily remove the top layer of clothing. Bring a change of clothes for yourself, too — baby’s mess tends to have a habit of transferring itself to his parents!

Enjoy your trip!

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Beating the Summer Heat

By Millard Franco

 Summer is a great time for children. School is out for most of them and it’s time to play. Running, climbing, building sand castles, swimming…

Sweating, sunburns, complaining.

It isn’t necessarily all that easy to keep the kids busy all summer long, especially on particularly hot days, the days when the kids come into the house five minutes after you send them out, complaining “it’s too hot outside!” What can you do to keep them busy, short of turning the AC on full blast, driving up your electrical bill and letting them watch television or play video games all day? Plenty!

First of all, have some cheap, cool treats on hand. Otter Pops or homemade popsicles don’t cost much, and you just have to enforce the rule that they are eaten outside to limit the mess. These may only keep the kids out for a short time or they might find something fun to do outside anyhow.

Try getting the kids outside to play in the earlier and later parts of the day, when it’s cooler outside. Then you won’t feel so bad if they’re watching television in the hottest part of the day. Try to keep television watching/video game playing under two hours a day total.

Have fun things ready for them to do indoors. Board games work very well, depending on the ages of your kids. My daughter loves doing “projects,” that is, arts and crafts. She has a box of supplies she can use, or we look at our copy of Little Kid Crafts for All Seasons to get ideas.

Many parents choose to enroll their kids in activities for the summer. This is good if not taken to extremes - kids need time to just be kids. My daughter is taking swimming lessons for two different sessions this summer, as well as a one day a week drama class. The drama class suits her style (it starts next week), so I expect she will enjoy it, yet it won’t take much out of her summer fun. The swimming lessons are a necessity since she has regular access to a pool at her grandparents’ house.

Of course, just because the kids are complaining that it’s too hot outside doesn’t mean you have to give in and let them play inside. If you have a yard, get those kids into swimsuits and sunscreen (if they aren’t wearing it already) and turn on those sprinklers. You know you loved running through the sprinkler as a kid. You don’t even need to buy the ones designed for kids to play with, jut make sure yours is fairly kid friendly - low to the ground, no sharp edges and so forth.

Ride bicycles, go hiking, get some of their friends to come over to play one sort of tag or another, all the stuff you enjoyed as a kid. In many cases it isn’t that it’s too hot to play outside, it’s that your kids are bored.

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Your Online Guide To Success

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 An ever growing number of thoughtful parents are concerned about the status of public schools in many cites across North America. At the same time, a good number of families are struggling to make ends meet. They simply do not have excess funds available to send their children to private schools. One solution that many families are embracing is home schooling. With each passing school year, more and more families in North America — indeed, in many countries around the world — are electing the home schooling for their children.

There are some definite benefits and specific drawbacks to choosing home schooling for your children. Turning to the positive elements of home schooling first, chief amongst them is the fact that parents have greater control over the education of their children.

One of the more significant complaints frequently expressed about both public and private schools is the lack of input and control a parent has over the education of his or her child or children. While there are certain educational standards that must be met when it comes to home schooling, a parent has a significant degree of discretion over how his or her child or children will be taught.

In addition to more control over the educational process, most parents who are involved in the home schooling of their children believe that their children are obtaining a far better course of education. Many of these parents simply believe that public schools are not up to muster and that home schooling ensures that their children will be properly educated.

Of course, when contrasting home schooling with the private school alternative, educating your children at home is significantly less expensive. The tuition costs and other fees associated with most private schools continue to increase each and every year. As a result, many families simply have been priced out of the private school market all together.

People who are involved in home schooling believe that education children at home works to develop a stronger bond between parents and children. The very fact that children will be spending more time with their parents because of being schooled in the home enriches the relationship between the generations.

There are some drawbacks to home schooling as well. The primary complaint that some education experts have in regard to home schooling is based on the need for children to interact socially with other children. These experts maintain that one of the most important components of attending school — be it in a public or private setting — are the opportunities for children to interact with each other. These opportunities are more limited when a child is home schooled.

With that said, there are now different organizations and associations that have been formed that bring children who are home schooled together for different activities and events. Home schooling advocates assert that these activities and events allow children who are home schooled ample opportunity to interact with other children their own ages.

Most education analysts believe that the trend towards home schooling will continue onward into the immediate future. These experts believe that an ever growing number of parents are going to elect to educate their children at home as an alternative to problematic public schools and expensive private schools.

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Your Online Guide To Success

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 Every parent has been there. Your usually angelic (or at least moderately well behaved) child is suddenly intractable, full of rage, or even engaged in a full-blown temper tantrum. Worse, your usual discipline measures don’t even make a dent in the attitude or anger. What to do?

First of all it is important to gain some modicum of control. If you can’t get your child under control and you are in a public place then remove yourselves from the public eye. If you are home send your child to their bedroom. If you are somewhere public then try to find some privacy in an empty room, bathroom, or even your car. Sometimes taking control and giving everyone some breathing room will defuse the situation, but if not then ask yourself three key questions:

First, is there a physical cause? Is your child tired or hungry or overstimulated? Children’s bodies do not have the same stamina as adults and if they are not given several small meals (or larger meals interspersed with small snacks) and a good night’s sleep as well as some down time during the day they simply lose the ability to cope. Some children simply shut down or fall down (asleep) but others act out instead. In addition, children have only the limited experience of their short lives and a day that is too full of emotion or activity can overwhelm them. Sometimes simply too much change or newness can be overwhelming to a child used to a specific routine or environment.

Second, is there anything else going on in your child’s life that might be causing stress or is there anything else going on in your life that might be causing stress to your child? Children are creatures of habit. While they enjoy the new they also crave routine. Sometimes they need more time to adjust to routine and sometimes they actually need the ritual of discipline to give them security. The familiar dynamic of discipline is comforting because at least that hasn’t changed.

Third, has your child matured or moved into a different phase of development since your last discipline strategy was developed? For example, when my son was three we suddenly discovered our traditional time-out method wasn’t working. However with a slight modification (changing the location) we were back in business. As he grows older the time-out is now longer and often comes with built-in penalties for continued misbehavior. As your child grows and develops so does your discipline strategy. Perhaps you can simply modify the existing method or perhaps you need to come up with a whole new plan.

After reviewing your answers to these three key questions hopefully it is time to release your child from their time out and to talk things through. Ask your child what is going on? Ask your child what their punishment (if further punishment is needed) should be? Younger children won’t always be able to express themselves fully but you may learn some surprising insights into your child’s mind. Then follow through with what you have decided as a punishment and make sure your child understands that while you love them you will not tolerate the behavior you just punished.

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Your Online Guide To Success

The Typical Contents of a Diaper Bag

By Marlin Rollins

 As a business owner and mom, I regularly commute between my home office and a rented office space. Sometimes I begin to feel like a baggage handler by the time I make it to the office. Believe me, toting a laptop computer, diaper bag, stack of files, lunch for the day and my infant son is no easy task. I am hoping it counts as exercise though!

The diaper bag I carry seems to have taken on a life of its own as it has grown to its capacity. It definitely holds more than baby items. It is my lifeline!

I recently went through my bag hoping to scale down a bit. Here are some of the items I found:

Diapers and Wipes and other baby things (it IS a diaper bag after all)

Cell Phone (doubles as a teether, but don’t forget to lock your keypad so baby can’t call Tokyo)

Tylenol For Baby

Tylenol For Me (or something stronger)

Business Cards

Energy Bars (sometimes lunch is a luxury)

Telephone Headset (device that allows you to breastfeed, talk on the phone and work on the computer at the same time).

Loose Change (usually left over from a McDonalds drive-thru trip)

Crayons and a Coloring Book (to keep my 4 year old occupied while I’m on the phone with clients)

Dollar Bills (to bribe my 4 year old while I’m on the phone with clients)

Duct Tape (for emergencies only….again with the 4 year old and being on the phone with clients)

Sandwich Bag full of Cheerios (for baby and sometimes the energy bars aren’t enough)

To Do List (in case you actually find time to work)

In my attempt to scale down, I realized I just needed a bigger diaper bag. I see no reason to fight it. My needs will only increase as my son gets older and more mobile. Diaper bag designs will just have to evolve to work for me!

Right now I am thinking one with wheels would be good. I can picture it now: a huge diaper bag on wheels that will hold all of the above items, plus my files, my laptop and my lunch with an infant seat mounted on top for my son.

In all seriousness, diaper bags have come a long way since my daughter was born. I did end up scaling down a bit and began shopping for something a little more sophisticated. Something without a bunny design would be a great start! I was really pleased to find a great selection of fashion forward bags for moms. They are functional yet hip! The available fabrics are out of this world and you can find every style and size imaginable. I finally settled on a bag that fits both my mom and business owner lifestyles. I feel like a million bucks now.

Well actually, a million bucks is a bit of an exaggeration. The diaper bag was a tremendous improvement to my “look” but I will still need to do something about my ponytail and sweatpants. That will have to be a different article.

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 The ultimate goal for those who enroll in an MBA program is career advancement. What form this advancement will take depends completely on each individual’s personal agenda. One student may plan to return to work for a former employer in a more sophisticated context, while another may seek to change careers entirely, transferring to a field that is more challenging or fulfilling. Other more entrepreneurial students may attempt to launch an independent business. Whatever the case may be, MBA programs are designed to guide the student toward the path of their choosing while providing the skills that will be required when they reach their destination.

How do they do this you ask? Well, the most successful MBA programs strive to gather groups of students with diverse backgrounds and goals and then facilitate the sharing of their experiences in the context of the study of theoretical business applications. Before we get in to the academic elements of the MBA program, let’s first take a look at some of the different techniques schools are currently using to cultivate leadership qualities in their students (besides the standard lectures, papers, exams, etc?).

1) Problem-Based Learning (a.k.a Case Studies)

Rather than simply conveying material to the students through lectures, business schools are now using the problem-based learning format to force students to think for themselves rather than regurgitate material that they’ve memorized.

Classes are subdivided into small groups and each group is presented with a particular management issue or problem.

As a team, the students must research the case they’ve been presented with and apply what they’ve learned from their studies to come up with a solution to the particular problem.

This type of exercise forces students to become “horizontal thinkers” who must consider ALL factors related to a particular decision rather than simply looking at an issue from on particular perspective (ie. accounting vs. marketing vs. finance).

2) Studies in the Field

Many schools are now supplementing class lectures and individuals study time with studies in the field

Although most students coming into MBA programs already have significant work experience, schools continue to stress the importance of “learning from doing”

The interpersonal skills that are crucial to strong leadership cannot be taught in the classroom setting but rather must be observed first hand in the field.

3) Team-Based Learning

While many of the projects assigned in business school require students to work in groups, team-based learning focuses specifically on how to work as team.

The goal isn’t so much to complete a particular assignment or project on some managerial issue, but rather the to learn how to work closely with others.

Setting goals, assigning responsibilities, and learning to rely on others are some of the skills involved.

Because team project and work groups have become so common in the business world, the schools are stressing teamwork abilities now more than ever..

The Curriculum

Now of course, underlying all of these different teaching techniques, is the curriculum itself. The first year courses of most MBA programs make up what is known as the core curriculum. While each school tries to present the material in what they believe is a unique or progressive manner, there remains minimal variation in these courses from school to school because every MBA student must ultimately have a fairly extensive level of knowledge in the following areas:

Business Strategy Analysis

Financial and Managerial Accounting

Management Statistics and Data Analysis

Managerial Economics

Marketing Management

Managerial Finance

Managing Organizations

Operations Management

For a detailed description of any or all of these courses, please browse through the course calendar or website of the particular business schools you are considering.

Once this core curriculum has been completed, most business schools allow their students to spend the remainder of their course time on electives. Many schools are recognized for particular programs that they offer and this recognition tends to revolve around these second year elective courses. Often business schools will have faculty who are eminent leaders in their field lecturing for these courses, providing the class with cutting edge research and the latest advancements in the area. Some of the areas that a second-year MBA student can specialize in include:

Accounting

Arts Management

Educational Administration

Entrepreneurial Ventures Finance

Government

Health Care Administration

Human Resource

Management

Management Consultants

Management Information

Technology

Manufacturing Management

Marketing

Not-for-Profit Organizations

Operations Management

Small Business Management

So as you can see, it’s no longer possible to pigeonhole business schools as gathering places for society’s elite, who put in a couple of years before taking over the family empire. A degree from a reputable business school can now place you on the fast track for a leadership position in any one of an incredibly diverse number of career paths. The MBA has become just as important in public service domains such as education, government, and healthcare administration as it is in the more traditional corporate sectors.

What to Expect for the Costs you have Sunk In?

Having established that going to business school represents a pretty serious financial burden, let’s see what you’re actually getting for all those dollars your laying out. What are the “frills” schools are using to attract students, and the impact that the program can have on your ability to attract employment and your earning potential once you’ve found the job you’ve been seeking.

Facilities:

Talk about plush. Be prepared to work extremely hard when you get to business school, but if your at one of the better ones, take solace in the fact that you’ll be doing it in style. The fact is that many of the schools (and not just the powerhouses) are investing heavily in infrastructure to woo you. Remember, there’s a definite element of reciprocity in the relationship between schools and applicants. To put it simply, they want you to like them just as much as you want them to like you. As a result a significant proportion of a business school’s dean’s time is spent fundraising. Many schools are building brand new buildings, with brand new classrooms, libraries, conference rooms, cafeterias and students lounges all supplied and state-of-the-art technology. Just as one example, Cornell’s Johnson Graduate School of Management has built a simulated trading floor with the exact same technology being used by real analysts.

Connections:

The business world is ALL about connections. We’re not going to feed you the line that “it’s who you know not what you know” but rather that it’s “who you know AND what you know”. For that reason, an MBA program has become incredibly important for young people trying to get their foot in the door. At business school you’re going to educated in the “what” and immersed in the “who.” Without even realizing it, you’re going to be spending two full years networking. Whether it’s faculty who have pivotal roles in major corporations, corporations who’ve formed alliances with the school, or fellow students, over the course of the program you’re going to be in close contact with individuals who are currently, or will be in the future, extremely influential in the business community. Imagine your new best friend happens to be the next Bill Gates, Warren Buffet, David Filo, or Jerry Yang just waiting to surface. Well that’s the kind of relationship that fortunes are built on.

Jobs:

The following excerpts come directly from the Business Week Guide to the Best Business Schools (6 th ed.). It summarizes the relationship between MBAs and corporate hiring so well that felt we should pass it straight on to you completely unadulterated. We further recommend that you find the complete article from which this excerpt was taken (available on the web) for supplementary reading and that you use the guide as one of your resources for choosing the right business school for you (in our opinions it’s one of the most informative).

As we approach the millennium, the MBA is unquestionably the hottest degree you can hold, particularly from an elite school. The stats prove it: At virtually all of the best schools, GMAT scores and starting pay packages are setting records. Applications are too, although a large part of the boom is coming from overseas…The 61 schools surveyed by business week for its 1998 rankings waded through 116,912 applications for the Class of 2000, and the average GMAT score was 667 for those attending the Top 25 schools, up from 649 just two years earlier.

Today, the MBA is on its way to becoming a requirement for anyone who hopes to build a career in Corporate America, and, indeed, much of the world… Certainly, it’s true that corporate recruiters can’t seem to hire enough MBAs these days. The 259 recruiters who participated in business week’s 1998 survey of the best business schools hired 10,348 MBAs in total, a 28 percent rise from 1996. And they would have hired even more if they could have: Grads of the Top 25 business schools averaged 3.2 job offers each, up from 2.3 in 1992, and compensation exploded. The median pay package (salary, bonus, and extras such as stock options or moving expenses) at the Top 25 hit $111,420, up 19 percent from just two years ago. Another telling figure: Median pay topped $100,000 at 18 of our Top 25-versus 5 two years ago.

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Seven Things Your Kids Should Know About Money

By Marlin Rollins

 what to tell your kids about money, kids money, children money, kid and money, child and money

If I had a dollar for every time I have been asked by a parent what to tell your kids about money, I’d be a millionaire. There are many different aspects of money management you can & should tell your children about. Here I will share with you what I believe are seven of the most important principles

1. Money can be exchanged for goods or services.

This is one of the first few lessons you should teach your child once they are old enough to understand - usually around the age of 3 years. Next time you go down to the corner store to buy one or two items, let your child hand the money to the cashier. By doing so, they will gain a greater appreciation of the concept of being able to exchange money for things you want or need.

2. One should be careful with money.

Some people I know, seem to think that any coins with a value under 50 cents are just too small to be bothered using, and so when cleaning out their loose change from around the house will simply throw these smaller coins in the bin. What a waste! Encourage your child to be careful with all denominations of money, and show them how those small coins can add up, by starting a family small coins box. Maybe you could use the money to fund small family outings (a trip to the shop to get ice creams).

3. Money has to be earned.

There are many people in the world these days that don’t seem to have ever learned this lesson. They sit around home and expect handouts so they can live, or turn to a life of crime to fund their existence. Be careful not to give your child money every time he or she asks, without expecting anything in return i.e. completion of household chores.

4. Encourage one-third savings, one-third donations, one-third spending.

The exact proportions in which your child divides their money are up to each individual family to decide, based on their beliefs and the needs of the child. This can quite easily be achieved by providing them with 3 piggy banks or moneyboxes - one for spending, one for saving & one for donating.

5. Avoid borrowing money wherever possible.

It is always much harder to repay money that has been borrowed, than to save your money. Some loans, such as home loans, tend to be unavoidable though. A good rule of thumb is if you don’t have the cash to buy it, you can’t afford it!

6. Money isn’t your best friend so don’t let it control your life.

Quite simply, try not to become so over committed with your finances, that you are forced to work 60 to 70 hours a week to continue the lifestyle. If you do, then you are letting the money control your life. You don’t usually need the fancy car (and car loan) or overseas holiday (and personal loan). All these things are nice, but only if you can easily afford them!

7. Show them how to budget & live within their means

This is one of the most important skills that your child must know, that so many people don’t seem to know how to do. Recent surveys have shown, that many people are spending 10% to 20% above what they earn. They are earning enough money to fund their lifestyle, but they simply aren’t budgeting it, and so are wasting large amounts of money each week.

With these seven lessons under their belt, they will be off to a great start, but there are many more money skills that your child will benefit enormously from learning. To learn more, visit the Kids Money Tips web site.

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 Historian in Profession

While a historian includes both amateurs and professionals, usually the professionals are better known as historians. Recent trend is to acknowledge those who have acquired at least a bachelor’s degree in the field of history and documents of the events of the past. Having such degrees is not a difficult task. Apart from multiple colleges and universities, a host of online institutes are now offering online degrees on history. Since the later part of the 19 th century historian has been recognized as one of the professional occupations.

Historian’s Job

Major task of a historian is to make historical analysis through the process of investigation and comparing the conflicting ideologies. Such method helps the historian in creating coherent narratives of the happenings of the near and far past. Today the historical analysis is usually drawn upon multiple other social sciences. Such sciences could be sociology, psychology, philosophy, anthropology, politics, linguistics, and economics to mention a few. Even the works of ancient historians’ carries immense value though may not be coherent with the modern day ideologies. Job prospects of historians are also available in college directory provided by informative websites.

Contribution of Modern Historians to Society

It is true that works of many ancient historians carry immense educative value and they have surpassed their time. Such works are also valuable with reference to the particular culture of a country or society. Many earlier historical accounts find dismissed with the new generation historians though they may be valuable in consideration of their contemporary culture.

Modern Day Historian

While the early history was highly tilted towards great men; no such thing preoccupies the minds of modern historian. Present day historian is a complete departure from the war, high politics and diplomacy based history writing of the past.

Features of Modern Historian

Since 1960s history has been continuing as one of the academic disciplines that have experienced numerous evolutions. Topics that were underestimated in the past, suddenly revived to become the highlight in many fronts. Revisionist historians at the same time are attempting to set the records as straight as possible.

For people who think that a historian is only concerned with academic affairs would find the highly educative and qualitative writings of Michael Russell who writes regularly on this website eye openers for them. The site also provides information on obtaining online degrees in the subject.

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 A woman I know, an extremely spiritual person, recently shared with me the following: ‘I used to have unfortunate beliefs about myself and I received back from external influences unfortunate results. When I decided to take control and raise my resonance, to be the change I wanted to become, to allow abundance and love come flow through me, absolutely everything fell into place. I am now living a life of leisure with a beautiful husband and I can draw what I want into my universe at will.’

What does it take to be magnetic? Can we really draw money, love or health simply by telling ourselves we are magnets for what we want?

It’s easier than you think. It simply takes a shift in perception.

We choose what we focus on in life. We choose to be miserable when it rains and happy when it’s sunny. Or we can appreciate the downpour as an opportunity to take care of indoor activities or to go splashing through puddles.

By putting our focus on good, we draw good to us. Conversely, by focusing on grief, we draw more to grieve. There’s absolutely a place for grief in our lives, I’m not suggesting otherwise, but we need to be mindful that we are not suffering over our own suffering and not continually drawing grief to us.

I overheard a girl in a caf telling her friend, ‘I’m a total freak magnet. I can’t leave my apartment without running into someone either clinically insane or whacked out on drugs or fanatical about some weirdness who wants to have extensive interaction with me.’

Her friend responded, ‘That’s strange. Your neighborhood is really nice. I can’t imagine there would be too many freaks around there.’

She responded, ‘I can’t figure it out. The freaks find me wherever I am. They just seem to be waiting for me to leave the apartment so they can scream in my face or get me to join their cult.’

What an awful thing for this girl, I thought to myself, to believe that she is a magnet for freaks, that no matter where she goes, she’s going to draw to her the lowest common denominator.

This is really how attraction works. What you think about yourself, you are. What you believe about the world, is your reality. What you speak, is your truth.

I was so tempted. . . I wanted to tell her, ‘You’re programming yourself to be a freak magnet. You could just as easily be a money magnet, or a parking space magnet. . .’ but I realized that my intrusion would only further her self-diagnosis. She’d completely misinterpret my attempt at kindness as just another freak, as in, ‘You wouldn’t believe the freak that came up to me in the cafe. . . He seemed normal, but. . . ‘

So whatever your beliefs are about the world, I implore you, take this freak’s advice and adjust it to bring you all that you ever wanted and not the lowest common denominator.

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 You are in the office and you find that you are working hard for typical pay, but you don’t feel that you’re moving forward or learning new things; you feel that you are stalling and are losing your touch on things, or that you are not as fast and as practiced, or even as up-to-date on developments as you once were. You are in your final months as an undergraduate, and you have a fairly vague idea of where you desire to be in the future: running a business or being part of one, and earning more money thanks to your know-how and education. In either case, you would like to look for a business school to assist you and make you achieve your dreams - but what are the best business schools? Even with all the lists and compiled school summaries that you will find both online and offline, the best business schools are really those that will allow you to succeed in the vocation that you desire to get into.

There are countless different business schools out there with numerous different specialties, so if you are looking for the best business school to go to as you desire to advance your profession, or get into the office, you will need to know what exactly it is that you would like first. Are you going to be doing accounting and auditing? Will you be running a business, managing people, hiring people, handing out salaries or wages, or overseeing processes? Once you know what it is that you want to do, then you can pick out the best business school for you. True, there are the top tier business schools such as Wharton and Harvard, but consider other smaller business schools that might not be as well known, but are experienced in teaching the business aspects that you want to know more about.

In particular, if you can find information on alumni of the school, see if their interests and credentials match yours. You might also like to check if the business school to which you are applying is accredited, as this can be an important benchmark of school and curriculum integrity. You may also need to consider either a live classroom or distance education as the sort of instruction. If you opt for the live classroom, you will have the benefit of really going back to school and not having a headache over the computer programs and computer-based texts that distance education schools will employ. Then again, a distance education program will allow you to go to school even while you are based at home, or while you are still on the job, so that you do not have to go through the hassle of having to actually return to school. Look for schools that offer the sort of education that you need.

Moreover, look for schools that will offer you monetary and job assistance. You can have scholarships or even fellowships to go to business schools, and often, the best business schools receive a lot of funding that will be shunted into their scholarship or fellowship program. Once you graduate, some schools will also offer you job hunting support, and others, as they are allied with companies, will actually give you an appointment.

These are only a small number of things to watch out for as you look for the best business schools. For more information, look for these business schools online, and start formulating your future in detail. Once you know what you would like, you can find the best business school for you.

Erin McMaster writes on a wide range of subjects and loves helping people develop both personally and professionally. She also has a special interest in products and services which are environmentmentally friendly. Further helpful information on best business schools can be found at http://www.bestbusinessbeginshere.com

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attention deficit disorder

 According to one education report, most of the countries will be in need of new scientists by the end of this decade. The reason behind this, the children are not interested to learn science these days. However, as a parent or teacher, you need to motivate your children to get interested to learn science at an early age. Most of the children thinking that this science subject is mysterious one to learn.However,the science is happening around us every day, and we need to use these things to motivate children interest and knowledge.

As a parent or teacher we are able to help our children with these incredible science experiment kits. And also you need to observe some of the things towards your children that willingness to try, observing the world, and you need to take the time to encourage their natural curiosity and many more.You need to motivate your children to get a positive attitude towards science yourself.By asking few interested questions about these things you can crate a positive attitude. And also one important point to consider that you need to have so much patience while giving the answers to the children.

And also you need to perform some science project of everyday activities. For example, you can provide the answer for how the moon is bright on one day and changing its shape. There are so many science project experiment kits are available in the present market, where you can do these experiments with your children. And some other daily activities like how the milk curdles when you add vinegar and many more experiments to do. Definitely, your children will get through knowledge about science with these experiments. When it comes to interests of children, no two children are having the same interest on these science projects. Fortunately, there are so many incredible science project experiment kits are available depending upon the interest of your children.

If you are selecting a hard experiment, then there is chance of frustration for your children towards this project. So, it is a better idea to start with small projects, later on you can do these hard projects. However, you need to notice that some experiments are suggested for particular age group children. And also you need to consider that which project will match your children personality and learning style. And also some of the experiments are meant to perform with a group only. When it considers the environment, you need to perform some of the project depending upon the climate conditions in your living area. And finally, you need to give freedom to your children to select the suitable project for them.

There are some well established and experienced manufacturers of these incredible science kits are selling these items through their web site. For more information and details,please visit their valuable web site.

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gifted learners

 Most children do not like rainy days because they cannot go out and play with their friends. It is essential for parents to know different rainy day activities that can keep their children busy and productive.

Here are some rainy day activities that can be enjoyed by both parents and children:

- Clean the toy cabinet. Gather your children and let them clean one drawer or shelf each. Sorting through these toys may able to let you find old toys, which can still be played. Select old pieces that can be thrown away as well as those things that can be sold.

- Recording sounds. Get a tape recorder and ask your kids to record everyday sounds and make a special project from it. Let them work on their imagination or suggest sounds to be recorded such as running water, someone opening the door or ringing the bell, or a dog’s bark. This is one of the rainy day activities that can make the children think about ordinary things in a different way. You can let them invite their classmates and friends to do the whole project together.

- Creating a story tape. Provide a tape recorder and some blank cassette tapes for your children and ask them to find stories that they enjoy and have them make their own story tape. Every child has the chance to read for a while or they can even take part of certain characters. Also, tell them to provide appropriate noises. This activity requires practice, which can make your kids giggle and have a lot of fun.

- Another great idea for rainy day activities is doing jigsaw puzzle. Let your children play jigsaw puzzle with their friends. You can borrow these puzzles from your local library or just purchase them from thrift stores or garage sales.

- Create a card house. If your children do not know any card games, it is best to build a card house instead. You can help them at first by balancing 2 cards next to each other, making them stand up in a reversed V shape and have your children do the rest of the activity.

- Balancing. This is a great activity that can help develop balance while having fun. Have your kids walk the length of a room with book placed on their head. This activity can bring laughter to the whole house.

- Making an indoor den is one of the rainy day activities that you can enjoy with your children. Find some few tablecloths and blankets in order to create an indoor den. Cover blankets and tablecloths between chairs and sofas or knot the ends to the door handles and cupboard knobs. After creating the den, provide your kids with special snacks, activity books and coloring books, play some music in the background and enjoy an indoor camping.

- Let your children play online games. The internet is filled with activities to do and during the rainy season, allow your kids to enjoy online games. However, make sure to set up a time limit for your children when playing online games because it could be quite addicting.

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Where to Look for College Scholarships

By Hong Kirby

 Whether you are a senior in high school or a parent whose teen is about to graduate, there is no doubt that you are in the middle of the process of trying to choose a college that is best. Is the process overwhelming you and your family? Are you finding it hard to find a school that fits all of the things you and your family are hoping for? There are countless issues to consider when searching for colleges, not the least of which is money. I’m confident that you are well aware that college is going to be expensive no matter how you look at it, but have you taken the time to consider what college scholarships might mean for you?

For many people, choosing the college they would like best is hindered simply by the expense of going there. Life is expensive and sometimes parents and teens cannot come up with enough to make it happen. College scholarships can be the answer for many families and they do not even know it.

If you or your teen is in the midst of searching for colleges that might fit well, make search that inquiring about college scholarships that are offered is a top priority in your search. Most schools offer at least a few college scholarships each new year. Sometimes these scholarships are based on a student’s high school grades. But - fear not - not all college scholarships are based on grades! You will be surprised at how many different kinds of college scholarships are given for a variety of reasons.

So, your first step to finding financial relief from the huge expense of college is to research, research, research. Take your time and be thorough. Call counselors at each prospective school and see what college scholarships may not be advertised in their information. Visit a local library or do an internet search and you will be shocked at the amount of information that is available about college scholarships. College scholarships can be given through the college or your choice of through a variety of other institutions and organizations, so do not be too discouraged if your top choice does not have a lot to offer. Look for ways to earn college scholarships from every source you can think of. There are often local businesses that will partner with students in a work-and-study kind of deal. Some employeers will even offer college scholarships to the children of their employees, so be sure to check that out.

In your search for the perfect college some schools may end up too expensive to consider. But, if you take the time to really research college scholarships, you may be surprised at what kind of school you can afford to attend. Your top choice might be just a couple of college scholarships away!

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