11
November

Why is a credit score so important?

Credit cards and revolving creditIf you are planning on making any large purchase in the future, it is absolutely vital that you pay attention to your credit score.  Why is a credit score so important?  Well, it’s what any lending agency will use to determine your “trustworthiness” when they are assessing if you will be able to pay back the money they loan you or not. This applies not only to big purchases like houses and cars, but also to the smaller things in life like getting a rent application accepted.  Some landlords rely heavily on your credit score to figure out if you’re worth renting their apartment to or not.

Because your score affects so many different large areas of your life, it’s important to keep on top of it as you move through life.  There are plenty of ways to get a free credit score out there, and it’s recommended that you do the research and figure out where to get yours.  Think about it this way: if you spend just a few minutes making sure you know what your credit score is, you could potentially be saving yourself thousands of dollars in lower interest rates for almost any loan you might want to take out – for any purpose.  That translates into a lot of time that you don’t have to spend working at your job, which is something that everyone out there can relate to.

Let’s say you went out and found your credit score, and you weren’t too happy with what you saw.  What can you do to improve it?  This is where revolving credit comes into play.  The best example is the classic credit card.  A credit card is a way for you to either ruin or drastically improve your credit, depending on how you decide to use it and how responsible you are.  The best way to improve your credit score over time is to get a credit card and make purchases on that card.  At the end of every month, make sure you pay off your credit cards completely and leave not even a single cent on your balance.  This will signify to any lender that you’re someone who honors the agreement you signed when you first got your credit card – that you will pay back your debts in a timely manner.

If you think about what credit card companies are doing, they are giving you money ahead of time on faith that you will pay it back.  There is a lot of backlash against these companies but without them we would be at a huge disservice.  Can you imagine paying for a house in cash, unable to get a loan at all?  It would be near impossible, especially with housing prices over $200,000 in most places.  There are not many Americans out there sitting on six figures of cash, and credit cards let us cover that difference by lending us the difference, provided we pay them back in a timely and appropriate manner.

 

No comments yet

5
August

More and More American Students Learning Arabic

Since that infamous day in September 2001 one standout change in American classrooms is the number of people learning the Arabic language.There is also increased federal assistance for the study of this subject.

This growth can be attributed to increased awareness of and involvement in the Middle East and in no small part to an initiative of GWB’s called the “2006 National Security Language Initiative”

Data shows that Arabic language instruction in US schools tripled between 04/05 and 07/08.

 

“Dora Johnson, an expert on teaching foreign languages who previously worked at the Center for Applied Linguistics, said she knows of examples all over the country. She estimates that at least a dozen Chicago public schools teach Arabic. (The district never responded to my request to get a full count.) She also pointed to examples in Boston; Cedar Rapids, Iowa; Charleston, S.C., and Atlanta, among others. Maryland, as part of its federal Race to the Top plan, is also working to develop Arabic programs in local schools.

Another prime example, Johnson said, is Dearborn, Mich., however, this is something of an exception, she said, since most of the students taking the language there are “heritage” speakers of Arabic descent. They often can speak the language but cannot write it. (In Fairfax County, too, about 60 percent of the students studying Arabic last year were heritage speakers, Patrick said, but most of the recent growth is among students who are not heritage speakers.)

President Bush singled out the teaching of Arabic for emphasis when he announced the National Security Language Initiative in 2006, a multiagency undertaking to promote the teaching of “critical need” languages. In his speech, he invoked the war on terror and the nation’s needs in defense, intelligence-gathering, and diplomacy via optical cable. He especially dwelled on the last point.”

 

Full story at http://blogs.edweek.org/edweek/curriculum/2011/09/arabic_instruction_on_rise_in.html

 

 

No comments yet

15
February

Long-forgotten Aboriginal Language Discovered

Tasaku Tsunoda is the last known living speaker of the Worrongo language – the language of an aboriginal group from Palm Island, Australia.

Tsunoda learned the language in the 70s while studying the fast-disappearing language and now remains as the only speaker of that tongue. he now hopes to teach the language to children in that area to revive it and ensure the way their grandparents and generations preceding them communicated doesnt die out forever with him.

 

He returned to the island as part of a program established by The Australian Literacy & Numeracy Foundation (ALNF) to teach traditional languages to Aboriginal children.

With Prof Tsunoda’s help the foundation is producing reading and teaching material to help local children learn the language.

He has even provided translations of classic children’s books such as The Very Hungry Caterpillar, and recorded a Worrongo version of Kookaburra Sits in the Old Gum Tree, to help Palm Island kids learn the language.

ALNF founder Mary-Ruth Mendel said Prof Tsunoda received a “magical” reception.

“The children were just drawn to him, boys walked up and hugged him and parents brought their kids up to receive a Worrongo name,” she said.

“It is quite remarkable, he is the children’s professor.”

During his brief visits, Prof Tsunoda was able to teach children a few simple words including: Gamo (water), Bama (man) and Jambon (witchetty grub), and hopes his learning materials will lead to the revival of the Worrongo language.

“Language is a very important part of a people’s identity and you could see how important it was when we were on Palm Island,” he said.”

 

Read the full story at http://news.ninemsn.com.au/national/8296613/linguist-revives-lost-aboriginal-language

No comments yet

     

 
WordPress SEO fine-tune by Meta SEO Pack from Poradnik Webmastera