MonthDecember 2018

7 Tips for the Best Deal on a Personal Loan

Use the following top 7 tips for the best deal on a personal loan:

Do not show urgency:  Never exhibit your anxiety or urgency to the banker.  In reality, you might need the loan urgently.  But showing the need will make the banker think that you are in desperate urgency and he will try to offer the unsuitable product with the high-interest rate.

Online product comparison:  Make a small online research.  Sites like provide an excellent avenue to check all the personal loans available in the market.  You can easily get the best deal by comparing the interest rates, terms and conditions and tenure.

Read reviews:  Read online reviews to get a good idea about the loan products.  The more information you gather the best deal you can strike upon.

Avoid big bankers:  Always avoid big bankers who target the creamy layer and charge an exorbitant fee.

Search hidden charges:  Certain loan products may look cheaper.  But when analyzing the terms and conditions there may be hidden costs.  Many borrowers suffer by selecting such loan products by mistake and end up paying more.  Find out hidden costs and smartly select a product without any such cost.

Check for offers:  If you are availing loan during quarter ends, check for offers like interest rate rebates.  Banks will try to push loan products by giving offers to achieve their quarterly targets.  Try to get the best deal by using the offers.

Interest trend:  Analyze the market to find whether interest rates are climbing up or falling down.  Never borrow at a fixed rate when interest rates are falling down.  That will bring a huge loss.  Also, it is better to select a fixed rate when rates are climbing up.  You will not spend more even when rates increase subsequently. Sometimes a longer tenure may look better since repayment would be comfortable.  But loans with long tenure have high hidden costs in order to protect the interests of the bank.  Hence Select the right tenure which may be financially best.

Top Reasons Why Creative Education is Important for Kids

When we think of skills – we think of reading, speaking and writing and math and so on. Many parents do not consider creative thinking to be an essential skill. It is not only music or painting- it is discovering and thinking innovative ideas – that motivate children to be imaginative.

  1. All kids are born with certain innovative and creative genes. The talents for specific arts are different and do not equate them to the creative education – that is critical for every child. Kids’ innovative imagination propels them to ask questions and discover their answers too. Their minds are just like the open and blank pages of a book.
  2. They learn something new each day and that is imprinted on these pages with lifelong repercussions. They have the innate ability to come up with the most incredible ideas and find the most unusual solutions to problems.
  3. These talents need proper encouragement through parental guidance and appropriate toys and games at every stage to develop further.
  4. When the kids have a varied and multifaceted creative experience, then they get more opportunities to develop these skills further. There are many websites, like the doodlebuckets here, that have amazing resources that help the children’s development through innovative toys and games.
  5. Creative education helps in the physical development of kids and encourages other facets- emotional development, intellectual development, and social development as well.
  6. Some of the creative skills help them immensely- painting, music, dance, and drama are as important as math and reading skills. The children’s learning abilities improve overall when their creative interests are encouraged.

Inventiveness can be encouraged through many game and toys based activities and involve as many sensory experiences as possible. Whatever the kids experience and discover about themselves and their surroundings influences their further development.  Creative education is an effective pedagogical tool that helps to develop children’s education where other more traditional direct teaching methods may not succeed.

Study Herbs: How to Increase Your Knowledge About Herbal Medicine

I was trying to figure out a couple of days ago why kratom was suddenly out of stock at most of the online pharmacies that I generally pick it up from. There was a buzz that some of it was called back and I was slightly confused as to what the matter could have been!

You could check out for any additional information on this confusion.

And while I was reading up related articles on the internet, I realized that I probably was inclined to reading more on herbs. I have always believed that there is no disease that cannot be fixed with natural remedies and I have often found myself favoring natural ingredients to pharmacological ones.

Here is what you need to do in case you would like to study about herbs:

The internet has a lot of short courses on herbalism but is aware that they are mostly for disseminating information rather than creating a practice. So, you cannot do a course and become a qualified herbalist!

There is the American Herbalists Guild which runs college courses spanning at least 1600 theoretical hours and an additional 400 hours of clinical practice in order to award you with a degree in herbalism. This is a rewarding course and you can blindly enroll in any one of the recommended places as long as it suits your preferences.

There is so much scope in this field!

I have heard of a lot of conventional medicine practitioners also being inclined towards naturalism and enrolling for courses in herbalism in order to improve their set of skills. With a degree from a professional college, you can become an herbalist or a nurse with an herbalist practitioner. You can even acquire a license to grow medicinal plants and manufacture them.

Of course, teaching herbalism after graduating is also a great option giving you hands-on experience as well as opportunity to be able to conduct research while you also teach.

How to Use Music as a Teaching Tool

Music, for many, is like life to the soul just as blood is to the blood vessels. Music plays a great role in our lives. It inspires us, energizes some, refreshes a few, fills voids for many, removes solitude among other, helps some people to focus better, and helps others to enjoy their moment, and so on.

However, what many people are unaware of is the fact that music can also be used as a teaching tool. Surprising is it? Nevertheless, it is true. If music can be therapeutic in nature, then why cannot it become an instrument of passing, sharing and instilling knowledge? Here is how we all can use music in some way or the other to transform it into a tool for teaching.

  1. Music has a unique way of helping kids and adults to focus on one’s character and their emotional and social skills. Music is also known to create positive and healthy social relationships rather than creating conflicting situations.
  2. Songs also help us to be more assertive in nature, help us to manage/control our feelings to ensure that we respect all beings and to behave responsibly.
  3. Some of the lyrics of certain songs have the power to deliver such strong, positive, and empowering messages, especially at times when we least expect it. For instance, there is the song that goes by the lyrics, “Go Away Bad Thoughts”, written by Dr. Mac, a family therapist, and his friends that teaches and encourages children never to have negative thoughts rather expect the best out of life.
  4. Moreover, it has been found out that when you combine certain activities of your life with songs/music, the results/performance was found to be better and at times even exceed expectations.
  5. Music as a learning tool can also be viewed as a brain-mapping tool and enhances one’s cognitive abilities. When you associate music to learning, certain parts of the brain activate and relate to what you see/learn and in return create new images and memories for the brain to process, which then gets etched in our minds forever.
  6. Some types of music are also known to increase our attention span. That is the reason why many therapeutic sessions and meditation classes employ the use of music to help their students focus and relax.

Thus, music is indeed an excellent teaching tool, as it makes learning more enjoyable with lesser efforts. For further reading, check this review website to gain much more useful insights. Let music govern your lives.…