gotorich's Blog
by: Marilyn Gale Vilyus
No one except an individual can determine whether or not a divorce is right for him or her. However, there are some general questions which pretty much apply to everybody. Thinking about the following issues may help them evaluate whether a divorce is right for themselves. What specifically is making someone think of divorce? Physical Abuse When a spouse is violent to someone and/or their kids, this is a safety issue. No matter what someone may have done, noone deserves to be physically hurt. Spouses may try to justify their actions by casting blame for all marital problems. A marriage requires effort by both persons to make it work. Ask the following questions: a. Has your spouse tried to isolate you from your friends and family? b. Have you had to call the police to stop violence? c. Have you ever had to go to the hospital as a result of being hurt by your spouse? d. Does your spouse apologize after hurting you and promise “never to do it again?” e. Do you try to do everything “right” to keep your spouse from losing his or her temper? f. Does this work for a little while, only to have the violence eventually start again? g. Can you feel the pressure building in between violent episodes? h. Does the smallest thing set off a violent episode? i. Do you feel that nothing you do is right? If someone can identify with the above questions, he or she may be a victim of "battered spouse syndrome." This situation, although it can occur with both wives and husbands, usually describes a situation in which a husband is physically abusing his wife. A great deal of psychological and legal study has been done on this topic. Often, women who have been abused "forgive their husbands" and stay in the abusive situation. It has been found that five times is the average number of times a woman leaves her spouse before she can successfully escape the psychological control an abusive spouse can have over her. Often, an abused wife alienates her family and friends who get angry when they try to help the woman leave, only to learn that she has returned to her husband and the dangerous situation. Many think they don't have anywhere to go. Most cities have special shelters for woman and children and will keep a location secret from husbands. Free legal fees are also frequently available. Help is definitely available. Don’t stay or permit children to stay in a situation which could result in serious injury or even death. Those who think they may be the abuser in this situation may also find help to stop the pattern of behavior to move forward and enjoy the pleasure of a healthy, happy relationship. Everyone deserves a second chance at happiness. Everybody can change and learn and grow from our mistakes. Maybe counseling is the answer. Maybe an anger management class would help; or, spiritual guidance from a member of the clergy. Perhaps yoga, meditation or some other form of “alternative” medicine. Reach out and find the help that is available. The Affair Most believe that never in a million years could it happen to them. All of sudden, a spouse stays up late or gets up in the middle of the night to use the computer. Chat rooms, e-mails, internet “buddies.” How did that picture get distributed on the internet? (You know, the one you took thinking that it would remain private between you and your spouse.) Then, there are the old-fashioned, more traditional ways to cheat: the business trip, the co-worker, or the high school reunion hook-up. Let’s not forget the world’s oldest profession. The question is – does someone leave or stay? The world is divided into two groups of people - spouses who can forgive an affair by their spouse and move forward – and those who can’t. Those who fall victim to a wandering spouse should be honest and think about whether they want the marriage to continue. Is there a sincere desire to work things out, or is someone secretly determined to make their spouse’s life a living hell? Maybe they don’t really want this consciously; perhaps they just can’t help themselves. Maybe personal or spiritual values will keep them from continuing in a marriage in which a spouse has cheated. Or, the opposite could be true - those who feel they are committed to stay in a marriage no matter what. Being honest about true motives will go a long way towards helping make the right decision. It's also possible that the marriage has been over for a long time. What would have to happen to save a relationship - talk about what seems to be missing in the marriage? Do the spouses still love each other? Or, is it just a day late and a dollar short? Sometimes, a couple has passed the point of no return. Regardless of whether a spouse wants a divorce or not, the State of Texas will not force a couple to live together if one of them wants a divorce. Most of the time, one person leaves the relationship long before the other. A spouse may need some “catch-up” time to get used to this idea. If this is the case, be prepared for a bumpy ride for awhile. A spouse will probably alternate between being angry, depressed, bargaining, penitent, furious, grieving, victimized, vengeful, retaliatory, depressed again, pathetic, and hostile (and then all over again). It's possible spouses may not know which of the other spouse’s "multiple personalities" they are going to have to deal with on any given day. One minute, everything is calm and both are talking rationally. The next day, they're living in the seventh circle of hell. It helps to remember that some of this is purely situational; ie. it is (believe it or not) normal behavior. It isn’t actually about the two individuals – one and a spouse. Instead, it’s about being hurt and feeling betrayed. Both parties feel guilty. Both are suffering. Both feel just plain miserable. Debt Those purchases seemed like a good idea at the time. All of a sudden, credit card debt and lots of it (thousands and thousands of dollars worth) moves the question to whether to declare bankruptcy and then get divorced or vice versa. Some may not want or intend to declare bankruptcy at all. If this is a consideration though, contact a bankruptcy attorney to best consider the options that make the most sense for a personal situation. Other kinds of financial problems frequently stress a marriage and can bring it to an early conclusion: gambling, excessive drinking, drug use (the costs involved here), spending on step-children or adult children. Got problems with child support from a previous relationship? (Interest and penalties can cause the most loving spouse to lose his or her sense of humor.) Money can’t buy happiness. It has been suggested that the people who believe that don’t know where to shop. Food and shelter are pretty basic needs (Maslow’s Hierarchy – Psychology 101). A spouse who thinks his or her partner is to blame for their financial ruin may just decide to cut their losses and run (very fast). Debt counseling and debt consolidation could help. Getting out from under steep monthly payments may provide much needed relief, as can re-financing the house or a home equity loan. These solutions will only work if the couple cures the disease and not just the symptoms. A serious change in lifestyle is in order. Can a couple work this through? Can they afford to split up? Two people can live together cheaper than they can apart - sometimes, a couple literally cannot make it financially living separately. Conclusion Those who review these questions may not be any closer to knowing whether or not filing for divorce is the right answer, but may find it helpful when thinking about some of the above in the decision making process.
by: David Rose
Understanding the phases of the moon can be a tricky concept for a child in elementary school. There are many different aspects of the phases of the moon that children should learn. A moon phase lesson plan should be educational, yet fun so the students can better understand the lesson they are taught. Some concepts of teaching about the moon phases will be reviewed here. First, you should help the children understand moon phase activity (the cycle of the moon), which is divided into 4 parts: new moon (where you see no moon at all), first quarter (only half of the moon can be seen), third quarter (only half of the moon can be seen), and full moon (the entire moon can be seen). Your moon phase lesson plan should explain the difference in these moon phases. Use pictures and diagrams or software that illustrate what these moon phases look like. Your moon phase lesson plan should go over the earth and moons orbit. You should first explain that the earth orbits the sun. Explain that the earth orbits the sun in about 365 days. Next explain that the earth rotates on its axis a full circle in about 24 hours. Then explain that the moon orbits the earth. The moon takes about 28 days to orbit the entire planet of earth. Then you can explain how the position of the earth, sun or moon affects the phases of the moon and which part of the moon we can see. Next, explain how the moon does not produce any light, it merely reflects light from the sun. You should also explain that the moon can be seen both during the day and night. To help your students understand this concept, you may like to do a hands on experiment. For this experiment you will need a darkened class room, soft balls or styrofoam balls, and flashlights. Information on how to execute this experiment can be found at www.eduref.org. It will help you in teaching the phase of the moon. This experiment is approved for children in grades K-6. Allow plenty of time for your moon phase lesson. If your students have questions, be sure to answer them and clarify it by example, as the phase of moon can be a very confusing subject. Keep it fun and interesting for the students. Remember that students will understand the phase of the moon better (and enjoy your lesson more) if you use a variety of teaching tools such as hands on experiments, diagrams, pictures, software and verbal explanations.
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by: Adam Waxler
As an adjunct education professor I am often asked, "How do I motivate students to learn?" Motivating students to learn is a struggle that all teachers face. Since I also teach middle school social studies it is the challenge I personally face everyday. The truth is motivating students to learn is one of the key components of effective teaching AND classroom management. If students are not motivated to learn then they are most likely not involved in the lesson and if they are not involved in the lesson they are much more likely to cause classroom management problems. Therefore, it is critical for teachers to increase student motivation to learn and the best way to do this is for teachers to spark student interest at the beginning of every lesson. Here are six effective strategies for motivating students to learn I do at the beginning of lessons: 1. Use critical thinking questions ~ The great thing about using these types of questions is that they don't necessarily have a right or wrong answer so students are allowed to express their own opinions as opposed to simply being told to memorize facts. Here's a quick example. Let's take a social studies lesson on the use of the atomic bomb to end World War II. To spark interest at the beginning of the lesson the teacher can ask students to all write down an answer to the following question... "Do you think President Truman was justified in dropping the atomic bomb to end WWII? Why?" Teachers can then let students share their answers for a quick class discussion and then take a class poll. Now that the students are interested in the topic it is much easier for the teacher to start the lesson. Then, at the end of the lesson, the teacher can take another poll to see if the student's opinions have changed. 2. Use music to teach ~ Music is one of the most underrated learning tools and is a great way to spark student interest. For example, when teaching a lesson on the slave trade and the Middle Passage I introduce the topic by playing the Bob Marley songs "Buffalo Soldier" and "Catch a Fire". 3. Use video ~ Video is one of the most misunderstood teaching tools and is often abused. However, if used correctly video can be a great tool increase student motivation to learn. The key is to use short clips from movies and documentaries at beginning of lessons rather than the end. Hollywood movies are great for this, but you can also use unitedstreaming.com to download short clips from documentaries on any subject for any grade level. 4. Relate what students are learning to what is going on in the "real world". This is obviously easier done with some subjects than others, but it can be done. Students need to know "why" they are learning something. 5. Relate what students are learning to what is important to them. The trick here is to get to know your students and learn about their own interests. 6. Use technology...or rather, have the student use technology to learn. Have them create podcasts, videos, web sites, brochures etc. Increasing student motivation to learn can be challenging, but it is an essential element in being an effective teacher. The added bonus is you will also find yourself enjoying teaching much more when it doesn't feel like you are pulling teeth trying to get your students involved.
by: Joseph Kenny
A borrower has certain responsibilities to take care of, once a loan is negotiated. In order to keep your loan in good standing, it is important to fulfill all your obligations. A lapse in making a single payment indicates delinquency. You could get into the default record if you continue to ignore your loan repayments. If you face any trouble in arranging funds for paying back your student loan, you need to contact the organization that provided the loan. There are chances that you may qualify for forbearance, deferment or any other form of payment relief. In most of the cases, student loans do not require repayment until after graduation. Many fresh graduates do not find a suitable placement very quickly. However, after graduation, there is a six months grace period before the repayment schedule begins. Even though a student may identify a good job, he could initially be underpaid, leading to issues with the repayment of the loan. There are several strategies that could be adopted to help you repay the loan. Student loan lenders and service providers offer several repayment options. You should check with your creditor to gather details on any such available plans. Repayment plans offer the following options: - Graduated repayment: The payment is lower in the beginning and increases steadily over a period of time. - Standard repayment: Interest payments and principals are due each month, throughout the repayment term. - Income sensitive repayment: A percentage of the borrower’s monthly income forms the basis of calculating the monthly repayment, although this plan applies for certain account borrowers. - Extended repayment: This incorporates lower monthly payments for an extended period of 25 years. - Loan consolidation: You can consolidate several loans into one new loan, with a low interest rate and easy finance management opportunities. - Prepayment: This can reduce your total cost of borrowing because most private student loans allow you to make payment of a part or your entire loan before the scheduled payment. This can be done anytime during the life of the loan. In addition you should check: - Your state might be offering programs that reduce or even cancel your loan if you perform certain services like, nursing or teaching. You can get in touch with the state agency for postsecondary education, to check if there are such programs available in your state. - There are religious and civic organizations that provide certain benefits and aid in repayment. - Your personal expenses may need to be analyzed and kept minimum. Try to keep your living expenses low initially. - It is possible to apply for forbearance, deferment or any other payment relief programs. Deferment: It is the temporary suspension of the loan payment if you re-enroll yourself in a school, are unemployed or facing any economic hardship. Forbearance: This is also a reduction or postponement of the loan payment, temporarily, while you are in any financial difficulty. Other forms: These may include graduate or income sensitive loans. If you are facing financial difficulty and it is impossible for you to repay the loan immediately, you can always take refuge in these options. They not only help you to repay your loan easily, but also help you maintain a good credit report.
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