September 2007
Monthly Archive
Sun 30 Sep 2007
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Christmas For One: Mental Health Over the Holidays”
by: Kristin Johnson
My dear friend, poet Dessa Byrd Reed, often spends holidays alone as a widow. However, she doesn t see this, as many people often do, as a depressing circumstance. In a November 2000 POETIC VOICES interview, she said, Because I am single and live alone, I eat out a lot. I love to talk to strangers. That’s one of my favorite things. I go out for breakfast and talk to people.
Another talented writer, Leslie Lafayette, dealt with being a childless woman by choice in WHY DON T YOU HAVE KIDS?: Living a Full Life Without Parenthood. You can bet that because of her choice many people would pity her. She writes the Alone Again, Naturally column for the outstanding magazine THE DESERT WOMAN. Observers might conclude she s miserable on the holidays.
Both Leslie and Dessa have full lives and radiate Christmas cheer, not just in December but all year round. While we all need human contact, it s a mistake to conclude that people without the traditional family dinner are all on suicide watch. Anyone who has negotiated where to have Christmas and which family members can come when, not to mention refereed in-law and spouse disputes, knows that the allure of having a table for one at Christmas is powerful.
However, when people aren t alone by choice, Christmas can be lonely. In Michigan, I interviewed a woman, the founder of a divorced and widowed support group, who chose to have Christmas dinner every year for lonely widows, widowers and divorced people, usually from her support group. Her children understood that she needed to start this new tradition in her new life.
Similarly, having children around, even with the relentless gimmes and commercialism, lends a special magic to Christmas, which is why playing Santa appeals to so many.
The holidays can be joyous if you re alone, or they can be difficult. As with so much, your feelings depend on your personality, your circumstances, your childhood, and in many cases on medical or psychological conditions.
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Some tips to remember if you re alone or without your support system:
- Take advantage of counseling services in your community, including from your local church, synagogue, temple or other place of worship.
- Take time out for spirituality. You might attend services just to experience human contact and community. People are generally nicer at Christmas.
- Do all the things you wanted to do but couldn t in your former life. Travel. Even in this post-9/11 world, you can visit faraway places. There are many tour groups for singles.
- Attend art walks, holiday concerts, lectures, and movie screenings alone. Or invite a friend you haven t talked to in a while.
- Volunteer it s a wonderful way to make friends, stay active, and feel fulfilled.
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- Go out to dinner alone! While women in particular feel uncomfortable, project an air of confidence. You are a strong, vital woman. This doesn t mean that you should go bar-hopping or take risks alone at night. But you have the right to ask for a table for one without feeling as though people are judging you. (Most people are too preoccupied with their own lives to notice.)
- Gather a circle of friends or people in the same situation just make sure the evening doesn t turn into a pity party.
- Don t overdrink, overeat or do drugs. It s just not a good tradition.
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- Bake cookies if you re so inclined. Cookies make wonderful Christmas presents and ways to reconnect with your friends.
You may be tempted to think of yourself as Ebenezer Scrooge. Don t, and boil anyone in his own pudding who calls you Scrooge. You are honoring Christmas in your own heart and keeping it always. Christmas for one, anyone?
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Wed 26 Sep 2007
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The Student Loan
by: John Williams
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The rising costs of college tuition have made it almost a necessity to apply for a student loan today. Students not only have tuition costs, but the cost of books, meals, gas, cell phones, recreation, etc. The variety of student loans enables students to take care of their varying college expenses. A student loan however, is a loan that must be repaid under specified circumstances.
Each of the following are student loans with differing conditions and time frames for repayment:
A Direct Student Loan is a loan with a schedule of repayment six to nine months after the student has completed school. The Direct Student Loan is distributed through the school the student is attending, which enables the interest rates to be much lower than a Guaranteed Student Loan.
Guaranteed Student Loans, also known as Stafford Loans have a low interest rate. A student can apply for a subsidized or unsubsidized student loan. A subsidized loan means the government pays the interest for you while you are in school. The subsidized student loan is based on the students financial need. An unsubsidized student loan means you will be charged interest while you are attending school. The principal must start being paid after you have finished school. Both types of student loans need to start repayment six months after the student has finished college.
Federal Parent Loans or PLUS loans as they are known is a student loan not contingent on your income, but lenders do consider personal credit history. Parents or guardians who have a dependent child enrolled in college at least part-time are eligible for the PLUS loan. The interest rate is 9% or less.
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Virtually any school or program will allow you to utilize the Direct Student loan, Guaranteed Student loan or PLUS loan. It is very important to thoroughly research all available options for funding long-term education. Your future is tied to your funding, which is your student loan.
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About The Author
John Williams is the student loan blogger at http://studentloan.blogspot.com. He reviews student loans and interprets often complicated financial data into simple to understand language.
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Thu 20 Sep 2007
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YOUR GUIDE TO HIGH SCHOOL SOCIAL GROUPS
AS OF 2004
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Intro: This guide will attempt to classify and organize ALL High School social groups in an organized, encyclopedic manner. They are listed in order alphabetically, following with a summary and description of all physical, mental, monetary and other such traits. Also what will be found is references to groups that may fit under more than one group and/or mixes of groups. As is follows:
Average People
Average people are obviously average in most or all aspects of their overall appearance and manner. They are neither rich nor poor, cool nor uncool, etc. Average grades in school work are another obvious trait. So all in all, average people are average.
Gangsters
Gangsters are gangsters. They hang out all grouped together, wearing the same colors, blue or red most prominently. There are also wannabe gangsters and stoner gangsters.
Goths
“Goths”, short for the people who dress and act gothic, are people who do just that, dress and act gothic. Obvious traits are spikes, chains, studs etc., all or mostly black clothing and other dark fashions, and pale skin in some cases. Wannabe and stoner goths also exist.
Hicks/Hillbillies
Hicks, also known as hillbillies, are mostly the people who openly like country music, live/work on a farm, wear hick type clothing like tight pants, truck driver hats, and shirts that say things like “Joe Bob’s Towing Company” or “Jimmy’s Welding”. Other such traits may include the possesion of a big ol’ truck or other beat up, dirty vehicle that could be used on a farm or out in the country. Stoner hicks are also present.
Jocks
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Jocks are those that are into sports, obviously. They are on all of the teams every year and think they’re all bad and stuff. Sports most associated with jocks in order from greatest to least are: Football, Basketball, Baseball, Soccer, Tennis, etc.
Losers
See “Not Smart Nerds”
Nerds
Nerds. Wow. Nerds are usually considered as socially inept. There are two main types of nerds: Smart ones and Not Smart ones.
Smart Nerds
Smart nerds are just that, socially inept losers who are accademically superior to most around them. Sometimes the social clumsiness is caused from the pressure of being smarter than others. Other times, they just don’t know how to talk with a lot of people and would rather just hang out with their good friends.
Not Smart Nerds
Not smart nerds consist of just that, people who are considered low on the foodchain, unpopular, weak, and otherwise small and insignificant and are not accademically superior to many.
Preps
Preps are the elite of the elite. They are all rich and think their better than everybody. Most are found in groups and teams such as: Cheerleaders, and Football players(which can also be construde as jocks) and other such things as the student body organizations and other stuff like that.
Psychos
Psychos are those people that sit all by themselves at lunch and plot world domination and other freaky stuff. Some also literally have mental or social problems and could kill you for the smallest thing. So that’s why they are psychos.
Punks
Punks are just those people who aren’t stoners or gangsters, but they just aren’t going anywhere in life and get in trouble for stuff like lifting cars and doing graffiti and other vandalsim and theft.
Rockers
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Rockers evolved from wannabe goths. They’re the people who if you call ‘em goths they get all pissed off. They dress in black and spikes and stuff too, but they’re just called “rockers” instead. No one knows why.
Skaters
Skaters are obviously skaters. Skateboarders that is. No one roller blades anymore it seems like so the Skaters category is made up of a majority of skateboarders. Most noticeable trait: T-shirt, hat, sweatshirts etc. covered with a skate brand logo.
“Special” People
Literally special people are the people who are in the Special Education program.
Stoners
Drug users.
Wannabes
Wannabes come in a variety of shapes and sizes but are just weenies who pretend to be what they’re not. Another term that seemed to be started by skaters referring to wannabe skaters is “posers”. There are wannabes for just about every group imaginable.
About The Author
Jacob Jacobsen - Lives in a dark basement in New Hampshire.
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Sat 15 Sep 2007
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Scholarships For Single Mothers
by: Kelly Kennedy
Are you a single mother in debt trying to make your way through school hoping to attain a better education so you can support your family? If so you should consider applying for a scholarship.
What is a scholarship?
A scholarship is a grant of financial aid awarded to a student, as for the purpose of attending a college.
Scholarships are beneficial because it allows a student to cover all or a fraction of his/her college expenditures without having to pay the money back. The majority of scholarships come from federal funds, with the remaining balance coming from private organizations. As a student takes a step forward in his/her education and chooses a career path, more opportunities will become accessible. Scholarships can be based on: region, academic performance, religious affiliation, sports, ethnic background, military status, intended major.
Where to find out more information on scholarships
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As a single mother it’s always best to investigate on known avenues, such as State Department for Higher Education for residents, a high school guidance office, an academic department or college’s financial aid office, free internet searches or libraries. One area that is not searched as often but should is a parent’s company, or even student employers, so if you are a single mother working and going to school contact your employer to see if there are scholarships available.
Scholarship for Single Mother
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With so many scholarships being available it can often be difficult to choose which one is best for you. Narrow your search by which you believe best meets eligibility factors, and then take the time to devote persuasive applications that include transcripts, proof of eligibility, personal essays, recommendation letters, etc. Make sure to follow directions carefully, as well as giving yourself enough time to put together a great application opposed to something being done at the last minute. Follow directions, proofread your work, double check that, apply early and keep copies for your records. Scholarship for Single Mother: Beware of Scholarship Scams
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There are entities that state that there’s millions of scholarship dollars that go unused every year. This is incorrect, as the greater part of the funds comes from the federal government and the private scholarships come from organizations that are willing to let students utilize them. The Federal Trade Commission alerts families to beware of scams that encourage students to make a payment to hold the scholarship, or if the student has been selected for an unknown scholarship. Schools have a given amount of funds to make use of for students, and no one can change the system to get more money for scholarships than they are granted through the standard financial aid process.
Why Should I Apply?
As a single mother, don’t let high costs be a reason not to go to school. Bettering your education should be a top priority because it will pay off in the future and you will be able to support yourself and your family. Apply today for a scholarship and it will be one less financial cost you will have to worry about, every little bit helps, right?
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Thu 6 Sep 2007
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Comparing Costs: eLearning vs Traditional
by: Michele Webb
It is important for managers and organizations to consider a number of different factors when determing the best training delivery approach for their staff or organization. Factors include: efficiency, timeliness, consistency and appropriateness of the delivery method. The key factor for most organizations, however, is program cost. Program cost may be comprised of a number of related sub-factors, too, which may include: development costs, instructor time, materials, travel, and opportunity costs for the students and participants. All these factors can have a wide variance, even in similar programs, due to the delivery method used.
Managers may want to develop their own mathematical model to better understand the relationship between costs and delivery of their training programs. Many managers have found a common key element when they have analyzed the costs of their learning programs. Their key finding: e-learning is less expensive to deliver almost regardless of the participant population. For example: in populations where the participants number 100 or more, e-learning had clear cost advantages and as the population number increases, so does the cost advantage. Cost advantages were still measureable in groups of 100 or less and even with classes as short as one hour in length. In a corporate study conducted by Catepillar, they determined that e-learning was 40% less expensive than the tradiational classroom models.
When preparing to conduct a cost analysis study, managers should be prepared to understand all the different factors involved with the development and delivery of training programs and then develop a customized list of factors that are applicable to the organization’s training needs and environment. For example, the costs associated with a physical classroom can widely vary depending on the geographic and physical plant characteristics of the company. For some organizations, it may not be relevant to conduct any sort of market analysis if their niche market is highly specialized or small. On the other hand, factors such as timeliness, travel costs or development costs may be very relevant for the organization to consider say, for example, if they are outsourcing their training programs.
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After the manager has created their unique “model” or list of factors or variables for analysis, they are ready to begin the comparison process. Gather data from comoparable organizations or training delivery programs, preferably from those using like and differening models. This will help in benchmarking the organization’s costs to that of comparable companies. If the organization or department has specific regulatory or quality assurance standards, such as Cancer Registry departments as part of a healthcare organization, the costs associated with training (or not providing training) for compliance may also need to included in the analysis process.
e-Learning may not be the best delivery method for all training. For example, programs that require role-playing, individual or group interaction or observation of the participants are not conducive to online learning. On the other hand, the total cost of delivering instructor-led classes to many students must be taken into consideration whenever the organization begins planning a large training program. Cost analysis may reveal that a combination of both e-learning and tradiational classroom can deliver the optimal training delivery needs of the organization. Once the manager has completed the cost comparison process results should be documented carefully and used for future comparative studies or even for training program justification and strategic planning purposes.
Copyright 2005, M. A. Webb. All Rights Reserved
PUBLISHING RIGHTS:
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You have permission to publish this article electronically, in print, in your e-book or on your website, free of charge, as long as the author’s information and web link are included at the bottom of the article and the article is not changed, modified or altered in any way. The web link should be active when the article is reprinted on a web site or in an email. The author would appreciate an email indicating you wish to post this article to a website, and the link to where it is posted.
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About The Author
Michele Webb has 20+ years experience in oncology healthcare, including Cancer Registry management and development and delivery of niche market and online learning programs. You can learn more about cutting-edge learning tools and opportunities by visiting her Cancer Registry (CancerRegistryTraining.com), online training site (eStudy4U.com) or blog (WeTrainU.blogspot.com).
michele@michelewebb.com
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