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Can Siblings Be Tutors?

What is more convenient than having an older child who has been what your younger child is going through in school? If the holder child has gotten better grades in the area that your other child is having problems in, should they be able to help? It sounds like a great idea but if you analyze the situation carefully, it actually may do more harm than good.

Your older child may have done excellent in that subject but it all boils down to sibling rivalry. It may sound crazy but it is true. If the younger child feels that they are in the shadow of the older sibling then having that sibling help can make it worse. Think about it, as a parent you may see a cheap solution to a problem that can be simply fixed by an older sibling. But the younger sibling may not learn too much from an older sibling especially if they feel like they are showing off.

Your younger child may feel like the older child is being more superior and therefore, you are going to hear about more fights than anything else. It could harm the learning process if you don't assess the situation properly. Then you can try seeing from the other side of the coin. If your older child is more dependant the last thing they are going to do is want to help their brother or sister with their homework on top of doing their own.

If both children need help in an area, it may be a good idea to have a tutor who can handle both kids. It may actually bond the siblings, by seeing the other get help they will realize that they are just like them. You don't want to favor one child over another so try to treat them the same way. Pay attention to their schoolwork help them correct it of need be. But the most important thing that you can do is not call out the problems of one sibling to other.

When siblings both have trouble in school, it may a good idea to have them evaluated. This can be done by an after school center such as Tutoring Club. Your child may have a learning disability that maybe you were not aware of before. Talk to their teachers and see if they have noticed a decline in the work or if the work from day one has been borderline.

By getting your child help early on, you can help them deal with schoolwork better. They may need extra attention in school but they will catch up with hard work. Most kids hate homework, so they slack in school and neglect homework. But you as parents have to teach them that there is a way to get ahead and that is with hard work and a good attitude. Together with parents and children working together, your child can get the help they need. They should not have to suffer with a learning disorder longer than they have to. Have all of your kids checked, it may run in the family.


Do Employers View Private College Education As Equivalent To Community College Education?

Choosing where to go for post secondary education has gotten harder in the last few years. Even though there are more choices and options available, there are also more people going to college and entering the workforce. Future graduates have always had to think about a college's location, price, accommodation, curriculum and reputation, and nowadays they also have to think about what their school will look like on their resume when looking for work in the future.

A lot of students have the bad habit of changing their minds about what career they would like to have, and unfortunately, this comes with changing majors. Some changes are small, but there are students that completely change direction and have to alter their course load, and this would be more difficult at a private college. Private colleges are much more expensive, and it would cost a student an awful lot of money to change his or her mind!

These days, a student has to make extra sure that they know exactly what they want to do for a living before they decide what kind of school to go to. This way, they will know which school will look the best on their resume. Whether or not an employer will care about which type of college an applicant lists on their resume all depends what career choice someone makes. Some employers barely look at the education part of a resume, caring more about skill and experience, while others scrutinize the education section.

If you are looking to make a career out of a job that is more skill based, it would probably be a better idea to choose a good community college. These types of colleges tend to offer much more hands on experience and learning than private colleges. Employers will be more likely to hire a student right out of college if they have had this type of learning. If your goal is to make a career out of a job that is more knowledge based, a private college may be a good choice. These fields can be more competitive, and employers are more likely to look at the education part of your resume.

There is a middle ground between the two career types discussed above, and for this broad span of career choices, students need not worry about which school to choose. These employers will probably mostly care about the fact that you have the education and experience for the job and will not be concerned about whether you went to a community college or a private college.

If you fall into that "middle ground", you can feel free to make your choice based on what the school offers you, as opposed to choosing between community and private. If you have the money to spend, a private college might be a good choice, and if a community college has just what you are looking for, then it would be just as good a choice for you. There is not a established rule in what is better, it all depends in one's needs.


To Consolidate or Not to Consolidate Your Student Loans

Find it hard to find unbiased information on student loan consolidation? Let me help with that. When I graduated from college, I had somewhere around $12,000 in student loan debt. Seeing how I would have multiple payments to different lenders, and fearing increasing rates over time (yes, your rate can vary depending on the loan type and the lender), I decided to investigate a potential consolidate student loan. But before I tell you what decision I made, let me give you a few benefits and problems with student loan consolidation:


1. The ability to make a single payment with a single lender, thus reducing the headache of paying multiple lenders.
2. Most lenders offer a fixed rate of interest over the life of the loan.
3. Typically, consolidate student loan companies will offer a lower interest rate than many of your current student loans.
4. Lenders will usually offer a longer repayment period, thus allowing for a lower monthly payment.
5. Student loan interest is tax deductible, thus making a longer repayment period more attractive for tax purposes.
6. Some lenders will even offer an interest rate discount for good payers - more on this in a minute.
7. If you are struggling to find a job, many consolidation lenders will allow a deferment of forbearance, allowing you more time to acquire stable income, and may grant a lower interest rate for doing so, due to the lender accruing interest during the deferment/forbearance period.


1. Longer repayment periods. Yes, I know I mentioned it as a benefit above, but it can also be a problem. While longer repayment periods tend to reduce monthly payments, the overall interest paid over the life of the loan is more, sometimes much more.
2. Unwillingness to negotiate. During my repayment period, I called to ask if an agreement for a principal deduction could be reached or if there was help from other organizations to pay off the student loan, and absolutely no help was provided by the lender. I guess the felt I already got a good deal with an interest rate of 3.5%
3. Default - Do not, I repeat, do not default on your student loan. Bankruptcy, and any other legal attempts to welsh on student loan debt won't work - student loans are like cock roaches, they just will not die. Be sure to pay your student loan back.

Alright, now that we understand a few of the benefits and problems, I am going to tell you what I did. I decided to do a consolidate student loan. I felt there were just too many benefits involved. The company I went with was Nelnet, and they offered a 15 year loan repayment period with 3.5% interest and a 1% interest rate discount if I made the first 36 payments on time. What a great deal! As with all things, be sure to research several different offers before selecting a consolidate student loan company.


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