The Best Reasons Why Online Learning is the Future of Education

The current COVID-19 pandemic has made world look at many things from a different perspective. Initially, exposing the children to computers or cell phones was a taboo in order to protect their young developing minds and bodies from radiation and media influence. However, this pandemic has changed the thought process completely, since there is no scope to go out and attend normal school / college. Now the gadgets kept off limit from the children have become their “best friends” and saviors, as through online medium they can pursue their education without a break.

source: Online Learning

Source: Leverage Edu

Here are some reasons that specify why online learning is the future of education and how to get inside of an International online school:

  1. FLEXIBILITY OF OPERATION: In online education, there is flexible time option and one can study in a relaxed manner. Unlike traditional classroom and set class timing, online offers the convenience of selecting the class at a suitable timing. The teacher and student can fix a common agenda to work on and interact comfortably when both have the time.
  2. TIME AND MONEY SAVING: Since you can access the online class from the comfort of your home at a convenient time, you eliminate the expenses incurred in travelling to school Besides, since most of the study material is available online for free or within the course fees, you tend to save on buying books and other stationery. Apart from expenses incurred for commuting and study material, other major expenses of traditional school attendance like school bus fees, hostel accommodation, dining and others need no consideration at all.
  3. WIDER SCOPE OF COURSE SELECTION: E-learning offers many courses and gives you the option to select the ones that match your interest. Unlike traditional learning, where there is a fixed syllabus and limited course options per academic year, the online counterpart throws the gates wide open for a broader spectrum of learning. Besides the course that you have enrolled for, you can select other subjects too to gain knowledge in variety of fields.
  4. GOOD INTERACTION AND PROPER ATTENTION: Online learning is of two types. One where the classes are in live progression and the other being pre-recorded lessons. In case of live classes, usually there is a cap on enrollment to facilitate better student-teacher ratio. Smaller group ensures that each student gets proper guidance and attention. On the other hand, pre-recorded sessions are open to many students at a time without a cap on enrollment. Thus, they can listen to the lecture, make notes and ask their difficulties in the next session. Under both the circumstances, students get proper knowledge, albeit in a relaxed manner.
  5. EASY ACCESSIBILITY: Since the classes are online and need no physical attendance, online learning is accessible to anyone across the globe, so long as you enroll for the session. There is no hard and fast rule as from where you should attend the class. You can do it even when you are travelling, provided you have an internet connection to access the class. Hence, you need not sacrifice your wanderlust to gain knowledge. This e-learning provision permits you to get the best of both worlds – your passion for travel and pursuit for knowledge.
  6. FAVORABLE LEARNING EXPERIENCE: When a student is relaxed and taking classes from a place where he / she is comfortable, there are more chances of proper grasping and understanding. There is no pressure to perform or to commute to classes and thus the student has a more positive approach towards learning. When the mind is at peace, the retention rate of gained knowledge is better as compared to studying in tense atmosphere.
  7. PERFECT BALANCE OF SYLLABUS LEARNING AND SOFT SKILLS DEVELOPMENT: Online learning gives enough scope for soft skills development along with the hard skills knowledge that you gain. Having flexibility of attendance, no peer pressure or choice of subjects does not mean that one can take things very lightly and ignore the responsibilities or initiative to come up with their own opinions and ideas. In fact, in online classes the students get many opportunities to come forward to discuss their views and get doubts cleared. In online live session and group discussions, the students get encouragement to express themselves and hence build self- confidence. Besides, they also learn time management in order to balance their studies, activities and other hobbies. Hence, one can safely say that apart from traditional school, where it was a belief that children get all-round development opportunity, the online learning also offers holistic development of the student.

CONCLUSION: The COVID-19 pandemic has surely changed the face of education and made it more unconventional and accessible. The final aim is to gain knowledge and nothing can be better than to get it at your own pace and in own space.

5 Factors That Affect Your Credit Scores

Many people feel that they need an advanced degree to analyze and maintain their credit scores. Well, the true fact is that the process is actually very simple. 

It is important to mention that the credit score usually falls somewhere between 300 to 850. But the account holder does not just need to play with the numbers for credit score. According to the Velocifin, there are a few other factors that demand your attention to calculate and improve your credit score. This score is used by lenders to know whether you will be able to pay back the debt on time or not. That is why it is considered as a deciding factor to get a loan for your new house or vehicle. 

Factors that affect your credit score:

If you are also interested in making a big investment with the help of a loan, it is good to understand the factors that affect your credit score. This knowledge may also give you a better opportunity to improve this score with time. 

Here we have listed the five most common factors that are directly linked to your credit score:

Payment history: 

The first important ingredient of your credit score is your payment history. Note that even one missed payment can have a negative impact on the credit score. Lenders are always interested in giving loans to one who can pay it back on time. That is why they consider your payment history before accepting the loan application. The payment history holds 35% accountability in the FICO score used by lenders. 

Credit utilization:

The credit utilization ratio is counted by dividing the revolving credit currently in use with the total revolving credit limits. This ratio helps lenders know about the credit that you are utilizing and give an idea about how reliant you are for the available non-cash funds. Credit utilization makes up 30% of the FICO score, and if you are using more than 30% of the available credits, it gives a negative indication to the creditors. 

Credit history length:

The credit history length makes up 15% of the portfolio. It gives information about the tenure of your oldest credit account, the age of the newest credit account and the average age of all the credit accounts. Longer credit history usually leads to a higher credit score. 

Credit mix:

People that have top credit scores are more likely to carry diverse credit account portfolios. It may include their mortgage loan, student loan, credit card and car loan etc. The credit mix presents a report on how well you are managing a wide range of credit products linked to your account. It accounts for 10% of the total FICO score. 

New credit:

The history of credit accounts that are recently opened and the number of hard enquiries made by you while applying for new credit accounts for remaining 10% of the FICO score. If you make too many inquiries, it may lead to higher risk and can hurt the credit score by a considerable level. 

Now you have gone through the detailed information on what affects your credit scores.  

Grounding Techniques for Teens Suffering From Generalized Anxiety Disorder

Generalized anxiety disorderalso referred to as anxiety—is a condition that involves much more than the ordinary stress and worry people experience in their everyday lives. Anxiety is an intense and ongoing mental health condition that makes ordinary tasks appear to be almost impossible.

Individuals who are suffering from anxiety may have a fear of social situations, flying on airplanes, advancing in their career, and just about everything else. According to the National Institute for Mental Health (NIMH), anxiety affects about 18.1% of teens and adults to some degree. This makes anxiety one of the most common mental health conditions in the United States and elsewhere around the developed world.

Many teens suffering from anxiety will need intensive forms of treatment, including inpatient or residential facilities like https://polaristeen.com/. But others—especially younger adolescents who are just beginning to experience symptoms of anxiety—may simply be looking for basic coping mechanisms and grounding techniques. Even if these individuals never seek residential treatment or even receive a formal diagnosis, these grounding techniques are proven to make a major difference.

Teenage-Depression

In this article, we will discuss six of the most accessible grounding techniques for individuals suffering from generalized anxiety disorder. By taking a step back and trying to reorient yourself in the world, you can begin to overcome some of the challenges that anxiety has been causing.

  1. Deep Breathing Exercises

As a primary bodily function, breathing has a major impact on our overall mental well-being. Making an effort to take slow, deep breaths can help both teens and adults feel more relaxed. Thinking about positive things (your dog, favorite memories, etc.) while deep breathing will help relieve anxiety even further. In order to be ready for stressful situations as they emerge, you should practice deep breathing on a regular basis.

  1. Regular Yoga and Meditations

In the words of Amit Ray, “Yoga means addition—addition of energy, strength and beauty to the body, mind, and soul.” Even if you are not particularly flexible, there are dozens of yoga positions and meditations that can help instill a greater sense of grounding. Meditating outdoors will be even more productive, due to your ability to connect with nature. Individuals who are prone to anxiety should spend just a few minutes meditating at the beginning and end of each day.

  1. Disconnecting

One of the reasons why social media and the internet are such a frequently cited source of stress is because they are always there. Being unable to withdraw from the internet will cause you to carry these stresses wherever you may go. If someone has been experiencing symptoms of generalized anxiety disorder, making an effort to disconnect can go a long way. This is especially important for teens, who—according to the University of Essex—are 50% more likely to be depressed if they spend more than five hours per day online.

  1. Worry Journals

In order to cope with anxiety, it will be crucial to find a productive outlet. When our thoughts and concerns are bottled up inside, it can be very easy to turn a small source of stress into something much greater than it actually is. Writing down our concerns and using something known as a “worry journal” can make these sources of outside stress appear to be more manageable. These journals also help people track the development of their anxiety over time and also make their personal decisions a bit more carefully.

  1. Personal Relaxation Kits

A “personal relaxation kit” can come in many different forms and it will be up to you and your teen to find something that works. These kits may include things such as pictures of happy places, relaxing activities (such as a coloring book or puzzle), inspirational quotes, calming music, and other related items. Whenever feelings of anxiety begin to emerge these kits can help provide a “life vest” that is familiar, personal, and comforting.

  1. Positive Self Talk

Sometimes, saying things out loud can help us begin to change the ways we think. As is the case with writing, making an effort to say positive things out loud can help ideas evolve into something a bit more real. “I’ve got this”, “I know I can do this”, “Everything is going to be alright”, and “I control my own destiny” are just a few positive phrases that—while simple—can help an anxious individual ground their thinking. Positive self talk can also be effectively combined with meditation, yoga, and other mindfulness exercises.

What if these grounding techniques aren’t enough?

The nice thing about these grounding techniques is that they do not really have any specific risks associated with them. As your teen feels anxious, they can always try to use these techniques; if they’re eventually proven ineffective, their approach to addressing anxiety can always be readapted.

In some instances, more intensive treatment options will be necessary. These grounding techniques are often combined with various treatment modalities such as cognitive behavioral therapy and somatic experiencing. There are also many different types of anti-anxiety medications available. Speaking with a professional can help you recognize if and when a more intensive form of treatment will be needed.

Conclusion

Anxiety disorders can be very debilitating and can make living a focused and productive life much more difficult. In order for your teen to effectively cope with challenges in the world around them, it will be crucial to find a few powerful coping mechanisms. While the techniques mentioned in this article are indeed very simple, they have also had a major impact on many people’s quality of life.

Benefits to Buy Checks Online for Business

Checks are an integral part of business and even person finances. Even though the world is taking to digitalized mode of payment, it is always better to conduct some important transactions through checks. The banks where you have the account offer the facility of getting checks when you run out of your book stock. However, they charge a fee that may be higher than most of the other private providers that offer this facility.

There are many advantages of buying checks online from different providers. In the following article, we will find the best place to order checks online.

how to get checks online

Source: Vox

PROCEDURE FOR ORDERING CHECKS ONLINE

Obtaining the checks from your bank itself is a simpler process as the disbursal amount comes directly from the bank and it is naturally linked option. Nonetheless, when a third party is involved, they need to have proper details of your account as well as of the bank processing your request.

  • You need to furnish your personal details like name and address
  • Your bank account number to ascertain from which account the check amount will show debit
  • The check issuing company needs to have knowledge of your bank routing number, to facilitate the banking system to track the branch that will execute the payment.
  • It may be essential to furnish the details of your bank’s address for verification purpose
  • Organize the finances by keeping track of the check numbers. Therefore, if you have ended your bank checkbook transaction on a particular number, say 150 or so, then, it is advisable to order next set from the number after that, 151, to maintain continuity.

BENEFITS OF BUYING CHECKS ONLINE

Your regular bank may issue new checkbook, but will charge a fee. However, there are private check providers offering valid checks that may be far cheaper than bank checks. Periodically, these online check providers have different schemes in which they sometimes offer free checks too.

The benefits for opting for online checks for business may be as follows:

  1. Online check providers charge lower rate for the checkbook as against the charges levied by bank.
  2. There is same security and flexibility of making payments as with the bank, since the online checks too have secure connection to your bank account.
  3. The checks come in variety of designs to choose from, as each provider offers particular set of prints for choice making.
  4. The providers throw open various schemes that may give you a box of free checks with a purchase or just as a bonus offer.
  5. Just like the bank checks, many of the online checks have equally tight security system of hologram or micro- print that bars any fraud or duplication.
  6. The online check providers have credibility of association with BBB (Better Business Bureau) from where the customer can verify the reviews about the company and its standing in the market. The rating shows the working process of the company and their willingness to resolve an issue in case of a dispute.
  7. Most of the companies have CPSA certification (Check Payment System Association). This is a guarantee that the check is secure with all anti-fraud measures applied. Such checks have a padlock icon printed on them and may have one or more of previously mentioned security system applied.
  8. Some check providers offer EZShield fraud protection that ensures that in case of bank check fraud, the payment disbursal is within 72 hours until the bank investigates.
  9. You can also avail of different types of checkbooks from online providers. They include duplicating checks, in which there is a provision of a carbon copy for future reference.
  10. Having a third party issuing checkbook can be convenient and gives the user flexibility of choosing a provider that has good credibility, cheaper rates per bunch, secure transaction options and “designer” checks as per your liking.

SUMMARY

Many people prefer to do away with this traditional check issuing system and prefer to opt for online, direct transfer transactions, as they are safe, quick and guaranteed instant cash mode.

Nevertheless, it is always better to have a record of your finances in a hard copy way, by retaining the counterfoils of the checks for date and amount reference. No doubt, that the bank you bank with has the provision of supplying you the required checkbook. However, with the added benefits and flexibility that the online check providers offer, it is wiser idea to order the checks online from trusted sources in the form and quantity that you require. Rest assured that they are as valid and secure as the bank issued checks.

Skin Health: Include These Vitamins In Your Diet for a Healthy and Glowing Skin

The skin is known as the human’s largest organ as it covers the majority of the body. Despite its importance to the body, the health of the skin is often affected by stress, dehydration, inner health, sleep deprivation, and lack of certain nutrients in our diets.

If you want your skin to glow and stay healthy for an extended period, different studies have shown that taking vitamins in your diet is one of the most reliable ways to explore.

Vitamins health

Source: Medium.com

However, what are the vitamins that must be included in your diet for healthy and glowing skin? They are highlighted below.

Vitamin A

According to a 2013 study published by Gilbert C, vitamin A is a crucial vitamin that your body needs for the maintenance of the function and integrity of different layers of your skin. This vitamin has been identified as one of the primary nutrients that play a pivotal role in fighting free radicals in the body. By replacing your skin cells regularly, this particular vitamin ensures that the skin is strengthened from time to time.

Furthermore, vitamin A manages the production of sebum; hence, its availability in your diet can help you to treat psoriasis, eczema, acne, and other related skin conditions. Apart from skin health, vitamin A also enhances the functions of the bladder, the eyes, the respiratory tract’s lining, the inner ear, the gastrointestinal tract, and so on.

This vitamin can be found in egg yolks, carrots, cod liver oil, sweet potato, organic grass-fed butter, and liver.

Vitamin B3

Otherwise called niacin, vitamin B3 is another important vitamin that must not be missing in your diet if you are focused on getting healthy and glowing skin. Its main functions are to make your skin glow, soft, and healthy. It works by improving the skin function and ensuring that the skin cells are replenished regularly. When deficient in your diet, some of the skin disorders you can experience include dermatitis and rashes.

A few of the food items that contain vitamin B3 are green peas, beef, leafy vegetables, liver, chicken, avocado, turkey, sunflower seeds, yeast, pork, mushrooms, tuna, etc.

Vitamin B5

Some studies have shown that vitamin B5 is instrumental in improving the process of wound healing as well as the growth of new skin cells. Other names for vitamin B5 include pantothenic acid and anti-stress vitamin.

If you want to include vitamin B5 in your diet, consider taking fish, sweet potato, broccoli, egg yolk, chicken, liver, avocado, whole grains, and mushrooms.

Vitamin B7

Popularly referred to as biotin, vitamin B7 is a water-soluble B vitamin that goes a long way in safeguarding your skin cells against a wide range of issues including water loss. It lowers the risk of dry skin, scaly scalp, inflammation, and several other skin conditions.

Egg yolks, salmon, legumes, nutritional yeast, beef, almonds, whole grains, walnuts, liver, and avocado are some of the common sources of vitamin B7.

Vitamin C

Vitamin C is one of the most commonly known types of vitamins. Evidence from various studies has shown that this immune-boosting vitamin is crucial for anyone that wants healthy and glowing skin. Based on the findings of a study carried out by Pullar et al, vitamin C plays a key role in reducing or mitigating the effects of sun damage or free radical damage on the skin. Consequently, this vitamin helps you to produce new collagen and speed up the rate of wound healing.

Parsley, kiwifruit, dark leafy greens, citrus, coriander, tomatoes, and capsicum are great sources of vitamin C. Notably, you should not cook these food sources too much as heat can destroy vitamin C.

Vitamin D

Like most other vitamins, vitamin D improves the health of your skin by promoting the growth of new cells. Victoria J. Drake, an expert at Oregon State University, also noted that vitamin D increases the rate of wound healing.

Although your body can get vitamin D through the exposure of your skin to the sun’s ultraviolet B, you can also get it from certain food sources. These sources include mushrooms, egg yolks, fatty fish, cheese, and cod liver oil.

Vitamin E

Vitamin E is a fat-soluble vitamin that is responsible for the protection of the surface of the skin through its ability to stimulate the synthesis of sebum. You can find this vitamin in hazelnuts, leafy greens, avocado, olive oil, almonds, and Brussels sprouts.

While consuming these vitamins in your diet, consider using varicose veins cream to improve the health of your skin.

Resources

  • Gilbert C. What is vitamin A and why do we need it?. Community Eye Health. 2013;26(84):65.
  • Pullar JM, Carr AC, Vissers MCM. The Roles of Vitamin C in Skin Health. Nutrients. 2017;9(8):866. Published 2017 Aug 12. doi:10.3390/nu9080866
  • Victoria J. Drake. Skin Health and Vitamin D. https://lpi.oregonstate.edu/mic/health-disease/skin-health/vitamin-D