Factors That Contributes to Success in Life: The Effect of First 8 Years of Education

There are many factors that contribute to your success in life and the two major factors are parental education and formal education. The most important education is your home education. How your parents educate and influence you are crucial to your success in life. Formal education expands what your parents have taught you about life and smooths any rough edges. Formal education gives you the knowledge and the foundation to land a good paying job. Hopefully, you had good parents with good parental skills otherwise you are at the mercy of formal education and the guidance of your higher power.

We tend to focus on the last four (4) years of formal education when we talk about college admissions and not give any credit to the first 8 years of education. The foundation for high school and college success really begins with preschool education where the love of learning and the value of education are established. The value of education needs to be instilled into the young minds by the parents and the teachers with the intention that the individual will carry this value throughout life.

The parents should emphasize the importance of education as early as possible and consistently stress to the child that they expect him or her to pursue higher education.

The key to everyone's success in life is in the first 3 stages of life: stage 1 (year 0 to 7), stage 2 (7 to 14) and stage 3 (14 to 21) Conquer future success

In stage 1 of life, some of the most important values are instilled in us in these early years and pretty much our personality is established by the age of 7. The foundation for education and life as it will be is also established. The positive things that we do with our children and the positive things that we say to our children will help to shape the person that the child will become. In stage 2 of life, elementary and junior high school education takes place and at this stage the foundation for success in high school is put in place. How each individual performs in these early stages of life greatly affect the success in high school and college.

How important is your first 7 years of life? Conquer future success

Stage 1 is the most important stage of life because if you have done your job as a parent, the foundation for success is established.

Most people don't pay much attention to these first few years of life because most young couples are busy trying to make ends meet and get their life together. Ignoring these first few years of life is a huge mistake because this is when you can instill the values and work ethics that will affect the person for the rest of their lives. If parents spend enough time to read, talk and instill goals into these young and impressionable minds, the child will think only of attainment of success in life. We as parents, we have to mold these young minds with only positive and loving thoughts.

How important is your elementary and junior high school education? Conquer future success

In stage 2 of life, the child continues to build on the foundation that you have created in the first stage of life. This stage is very important to the success of the child in high school and college. The value of education and the type of work ethic that has been established up to this point will most likely continue throughout the individual's lifetime. You don't wait until high school to start talking to your child about further education. This process should begin in stage 1 of life.

In stage 3 of life, the choices and decisions that the child makes with your guidance either makes or breaks his or her future. The decisions and choices that we make between the ages of 16 and 22 create the foundation for the success or failure of our lives. Poor choices and poor decisions will lead to a miserable life and the opposite will lead to successful and happy life.

For more information that you can use now to get an idea of how your early education and experiences will affect your success in high school and further education, go to the website below to get an idea of what is ahead for you and your child.

Mortgage Loan Originator Licensing Education Requirement

When the SAFE Act was passed by the US Congress in 2008, it mandated that all States require that Mortgage Loan Originators meet certain minimum requirements to obtain and maintain a Mortgage Loan Originator License. Once of those requirements was Education. The SAFE Act mandated 20 hours of Pre-License Education in order to obtain an LO license and 8 hours of Continuing Education each year in order to maintain and renew an LO License. Over the next couple years, each state passed legislation to meet this federal education mandate and regulators worked with the Nationwide Mortgage Licensing System (NMLS) to implement this requirement.

State-Specific Mortgage License Education
When the states passed legislation to meet this federal SAFE Act Education requirement, many of them decided to also require additional education above and beyond the minimum federal requirement of 20 hours of Pre-License Education and 8 hours of annual Continuing Education. Many states require anywhere from 1 to 15 hours of state-specific Pre-License Education and 1 to 3 hours of annual Continuing Education. And as more states have adopted the Uniform State Test (UST) in lieu of a state-specific NMLS Test, many of those same states have decided to recently add additional state-specific education requirements.

Mortgage License Education Types
When the NMLS started working with the states to implement the LO License education requirements, they came up with 3 ways to meet the mortgage loan originator education requirement. Live, Webinar, and Online Instructor-Led. These three options were developed in order meet certain NMLS requirements that the mortgage education course be timed and that there be interaction between the instructor and the mortgage loan originator. The Live and Webinar versions clearly meet this requirement, but for the Online Instructor-Led Course to meet that requirement, but still give the LO the ability to work at their own pace, the NMLS along with the states created a requirement for the online mortgage education course to include questions and answers between the instructor and the Mortgage Loan Originator. The live course is generally only offered to large groups such as large companies that have many LOs that need mortgage licensing continuing education at the same time. Most mortgage education companies offer the Webinar option, but then the LO has to sit through the entire education course all at one time. So most Mortgage Loan Originators prefer the Online Instructor-Led Education Course. You can do it at your own pace and have much more flexibility.

Since Mortgage Licensing Education is one of the major requirements to obtain and maintain a mortgage loan originator license in each state, Integrity Mortgage Licensing has partnered with a mortgage license education company to give our customers a 10% discount on the mortgage pre-license education and mortgage continuing education. Get 10% off here: www.integritymortgagelicensing.com/discounted-nmls-mortgage-education

You can also contact Integrity Mortgage Licensing for assistance with mortgage licensing at 714-721-3963 or steven@imlicensing.com or go to our website, http://www.integritymortgagelicensing.com

Bad Science The Corporate Sponsored A - Z Guide!

As I've been saying in previous articles one of my mottos in life is 'question everything.' When it comes to the appliance of science and scientific principles this motto should definitely be used. Don't get me wrong, science is a wonderful thing but like many other things I realize that it can be exploited, manipulated and deliberately limited for profit and political gain when put in the hands of the few, particularly those heading greed-driven corporations...

In light of this here is my bad science corporate sponsored A-Z guide.

Absence of controls - Treatment is given to the experimental group to see if it has any significant effects compared to the untreated control group. A cardinal sin in science is an absence of controls. This occurred in a case where claims by a certain cosmetics corporation were made on an anti-wrinkle product. The claim was later invalidated because it was found that there had been no controls.

Bias - Due to conflict of interest bias has found its way into scientific research quite frequently. Misrepresented science has been covertly used for financial or personal gain...

Cherry Picking - Involves selecting data to favour research that was done while leaving out that which goes against it.

Disguising speculation as fact - For example, Darwin's theory of evolution has been used as if it's a fact but is only a theory...

There are many cases where language disguises speculation as fact. For instance this can occur when using scientific conclusion. This can mislead using speculative words like 'can,' 'may' or 'could' in say clinical drug trials when the research is trying to disguise the fact that it doesn't have any solid findings...

Exaggerate - See play on words

Fiddling results - People are apt to blindly accept the work of scientific authority individuals... Take the case of educational psychologist the late Cyril Burt. He fiddled his results from research to make the false claim that individuals IQ's (intelligence quotients) cannot be changed. Consequently, based on Burt's advice the educational authorities used the 11 plus exam to determine the long-term future of children pending whether or not they passed or failed...

However, it was later found through different and more honest research that IQ can change over time in individuals. So rather than use the 11 plus aptitude test to determine the future of 11 year old children possibly for the rest of their lives while their IQ's could change and be more suitable for other things... it was scrapped.

Gagging results - Not allowing conflicting evidence or data that challenges the official view. For example, Michael Cremo has done meticulous research to challenge the official line that mankind's history is a lot older than what mainstream academics have claimed. A number of People in academia questioning the official line using Cremo's work as examples of evidence have been threatened with dismissal if they don't put the lid on it...

Hypothesis - A hypothesis is where a scientist has a theory that something is occurring in reality. So he/she devises an experiment to see if it actually is happening in reality. However, bad science is where the reverse happens instead of seeing if the theory fits reality, the reverse happens: reality is looked at to if it fits into the theory! This is done to make twisted claims about something usually because of vested interest.

Inadequate sample sizes - Significant findings from small sample sizes could well be valid. However, sometimes in corporate research the fact exists that these tentative insubstantial findings due to only a small number are played down: The fact that large sample sizes produce different results can be covered up...

Justify - Corporate sponsored science with its covered up flaws and omissions uses its work as justification to take certain actions. These actions are profit-related or political and can involve paying off mainstream media corporations to blurt out their bad contradictory science to promote harmful products on an uninformed public. This occurs in vaccines and GMO's. As geneticist David Suzuki said in so many words anybody who thinks GMO's are harmless is either stupid or lying...

Knack - Getting the knack for how corporate science can be used to manipulate can put you at quite an advantage. Learn to discern for your own personal effectiveness!

Low key publishing - Putting out research papers at certain times when it would receive possibly little attention. The papers could be quite significant but because it could threaten the establishment's scientific model by say the research revealing a cheaper alternative method of application then low key publishing serves to not give it too much attention.

An example of this was the case of an extensive cancer prevention study in 2007 involving hundreds and hundreds of women in Creighton School of Medicine Nebraska receiving daily doses of sunlight. The result concluded that the regular daily doses of sunlight prevented cancer by a whopping great 77%. These revelations were basically ignored because the cancer establishment can't have this prevention too widely known since it would be a serious threat to their business as sunlight treatment is free.

Misguiding or Misrepresenting - Again that hoary old chestnut money kicks in here. The truth is when it comes to corporate sponsored science money has been shown to be stronger than truth.

Non-existent science - Journals sometimes even the prestigious ones like those documenting medical research have been widely criticized for being unscientific.

Oversimplify - The dangers here could be to misguide but that could be an ulterior motive...

Play on words - Scientific publications play on words like for instance the use of exaggeration or even worse sensationalism to gain attention... It may hide the fact that the interested reader might not see right through the oversimplifications involved...

Quality and Quantity - Science can sometimes misrepresent by failing to distinguish the differences between quality and quantity as in the cases of inadequate sample sizes, cherry picking or including evidence to the contrary...

Restricting data - In other words not including the science that's inexplicable or evidence to the contrary in a research project's findings, which would not favour the desired results.

Sensationalism - See 'Play on words.'

The ignored flaws - Even peer reviewed science can sometimes be flawed. Sometimes this can be forgotten and this has to be considered when evaluating research.

Unrepresentative samples of the population - Another cover up where selective samples are used atypical of the population en masse to influence a desired outcome...

Vaccinations - I would say that flawed scientific research is at its greatest when it comes to vaccines and vaccinations. The whole history is rooted in bad science and deception.

Win -win situations - Used to bias. An example of this is in the case of animal experiments. An animal's physiology is indeed different to a human's. In research, a pharmaceutical company can use this to their advantage: For example, if animal experiments produce positive outcomes in drug trials then the fact that the animal's physiology is different to humans is ignored, claiming success. If the outcomes are negative then this will also be ignored, claiming success on account that the animal's physiology is different to human's recommending not to pay too much attention to this. Yes, it's a win-win situation.

X-rays in cancer therapy - In breast cancer therapy x-ray treatment is big business. The fact that it can cause significant amounts of breast cancer through its mutagenic effects during treatment with the science to prove it is kept under wraps and seems irrelevant to those making big money from the treatment. Infrared thermography is the solution since basically it does not harm.

Your participation - In other words for bad science to work it must have your participation in falling for the deceptions, so learn to discern!

Zest for profit bias! I know this is derivative but what else can you think of for z?!

If you liked reading this article then go to http://www.NewParadigm.ws for more related articles, blogs and videos... including a free download PDF entitled 'The Greater Way and the New Paradigm Experience'. Hosted by Paul A Philips. One again the link is: http://www.newparadigm.ws/

THIS IS EMBARRASSING: I Thought Science Knew Everything!

The recent mishap with Malaysian Airlines Flight MH370 in which 239 people together with the aircraft disappeared (as it were) into the thin air, is a big slap in the face of modern science.

Most people were (and still are) shocked that in this day and hour with all the technological advancements, such a thing could happen and leave the whole world (including the super powers) scratching around for answers.

Up till this very moment, nearly a month after the incidence, all that the world has to go by are speculations, hypothetical calculations and inconclusive deductions based on some floating debris found in the Indian Ocean.

This is embarrassing to science and modern technology to say the least.

For the avoidance of doubt, let me make it clear that this is not an attempt to trivialize the issue or trample upon the feelings of those who lost their loved ones. Far from it!

Just put yourself in their shoes for a moment and you will agree that this must have been a most painful and bitter experience for all concerned.

I believe the world as a whole (oh well, most people around the world) do sincerely sympathize with those who lost friends, family members or loved ones in this tragedy.

Agreed, Science And Technology Are Vital

Science and technology constitute about the greatest wonder of our modern world. This world wouldn't be what it is today without the immense contributions that have come from science and technology. Just look around - almost in any field of human endeavour, science and technology are redefining the way we live and the quality of the life that we enjoy.

Therefore the value of science is not in question by any means in today's world.

Where Many Are Getting It Wrong.

The great mistake that many people around the world are making today however, is that they have come to put all their trust in science.

Science has become their God - they believe in it, they trust in it and they totally depend on it. In fact, many are not prepared to believe what you tell them except you can prove it to them scientifically.

That is why many have thrown the Bible out of their lives and why many are not willing to go to church because they will be told to believe what has not been scientifically proven in the science lab.

Many depend on science as if it has all the answers to the issues of human life - but does it?

Science Does Not Know Everything

The disappearance of the Malaysian Flight MH370 is a stark reminder that there is still a big knowledge gap in science.

You will agree with me that a huge aircraft disappearing from the sky is not a spiritual phenomenon - it is physical and material. And there is no reason why with all its technological advancements, the whole world should be caught panting to find answers had it not being that science does not know everything even within its own environment.

Or do you want me to refer to the mysteries around the Bermuda triangle which science has still not been able to solve after these many decades? Let's not even go there.

Even if all the answers and explanations concerning that Flight were to be found today, that will still not diminish this fact - that science does not know everything. But many people depend on it as if it does.

Even The Super Powers Have Been Beaten Hands Down

If our scientific knowledge was adequate and complete, the answer as to what happened to that Flight should have been provided within the first few hours of its disappearance.

Just think about it - the United States of America, The United Kingdom, Japan, China, Russia, etc - they all struggled to find answers and many still haven't arrived at any conclusive answer till now!

This is embarrassing - I thought the modern man knows everything (courtesy of science)!

A Pertinent Question

Now here is the big question: since it is clear that there are things that science does not (or does not yet) know even in this physical world, what is the wisdom of resting the eternal destiny of your soul on what scientific knowledge has or has not taught you? What is the wisdom of rejecting biblical truths on scientific grounds?

Like I said earlier, the reason a lot of people are not prepared to believe the Bible these days is because of their reliance on what their scientific knowledge endorses.

What will such people do the day they find out (too late) that there is a whole body of knowledge about their soul that was not within the reach of science? It will be a sad regret. Don't let that happen to you.

Knowledge Beyond Scientific Proof

The word of God (the Bible) presents to us a body of very vital truths that are vital not only to our present state of being, but for the hereafter. There are many things in it that we may not be able to prove scientifically, but that does not mean that they are not true.

And one of those key truths in the Bible is that as human beings, we are all sinners and need to be saved. One day (when we leave this world), we will individually stand before our Maker (God) to give account of our lives. That is why we all need a Saviour.

Scientific knowledge does not cover everything - especially things that are spiritual and things that have to do with the eternal destiny of our souls. We must therefore not place a blind trust on science.

Take advantage of very profitable insight that can benefit you not only in the now, but in the hereafter as well. More information is available here.

Vincent Imwensi is a dynamic preacher, an anointed pastor and a motivational speaker.
Visit our website http://www.lwrm.org.uk for very helpful and uplifting stuff such as: vital keys for successful living, free audio messages on various topics, free insights on tapping into the goodness of God for your life, Salvation and follow-up materials, internet radio for free Christian music and powerful messages and much more! Or for more inspirational articles, get to our website and click on the link to my blog - I WAS JUST THINKING.

5 Negative Effects of Technology

Seeing Past the Illusion

Sure technology is great, it simplifies many things we do everyday, like keeping in touch with family and friends, helping us stay on top of pressing chores, or automating processes that would otherwise consume much of our time. It also provides us with information and entertainment but at times it can cause problems as well. How does technology fare in your life? Do you think it has made things better or worse?

As to almost anything we use, there are probably pros and cons to them. Technology is often seen as nothing but beneficial but I think otherwise. If used wisely technology can be a huge aid to humanity but the majority of people tend to abuse it.

Is technology working against you?

What Does Technology Really Cost?

1. Time

It takes self control to limit how much time we spend on technology and unfortunately a lot of people find it hard to stare away from the screen. We tend to spend too much time with distractions when there are other more important things that should be finished. Allocate your time wisely and goals will be achieved sooner than you had thought.

2. Closer Relationships

Although we seem to be able to stay in touch with more people with technology, we really take less time to interact with them. How many people that you have talked to in the past year through social media or keeping touch by phone have you actually met in person? Not only this but family relations tend to suffer when we spend more time on technology and less with the people that are important in our lives.

3. Laziness

As technology continues to advance and make our lives simpler we begin to let technology take care of most of our problems. When is the last time you cooked or took a walk outside? Although there are people that like to do things for themselves the majority of us like to do things the easy way, myself included. It is not surprising then that America is one of the most obese countries in the world. The rise and innovation of technology coupled with unhealthy diets accounts for two thirds of Americans being obese or overweight! 2 out of 3 people have health risks concerning weight! That is a staggering statistic and you can't help but admit that technology is one of the underlying causes.

Learn to use technology in small doses. Become productive again.

4. Reliance

Are you a slave to technology? Can you operate without it? It's hard to think what we will do if we didn't have computers, television, phones, or microwaves. What would we do all day? How would we talk to people? How would we manage to eat? Understanding the rewards and costs of technology can further benefit you with your life. Allowing more time for us to spend on things of higher significance will in the end give us a more fulfilling life. I'm not saying to do away with technology altogether, instead all I encourage is you use technology within logic and reason, spending appropriate amounts of time with it while not letting it do all your tasks.

5. Mass Media

The 21st century has often been regarded as the age of information, but I think it is the age of too much information. The media has put a rope around our necks with what it tells us. Too much time is spent learning information that does not concern us while too little time is spent learning the information that would benefit us enormously. And most times even the information we are receiving may not be %100 accurate. We are only told one side of most stories while there may be important details that have been left out on purpose. Learn to control what you see and hear, be ignorant of information, the intake of information can become a vice if not properly regulated and it is wise not to believe everything you're told without seeing it yourself.

Clean Technology: Tomorrow's Technology

The popularity of clean technology is rapidly growing: people are realizing that by being eco-friendly and applying these principles to their companies, they are able to deliver quality products and services, while promoting the protection of the planet, its natural resources and the importance behind these efforts. As technology continues to evolve and adapt to our needs, many agree that green technology is tomorrow's technology.

Clean technology is defined as the different products, services and procedures that aim at providing top performance at affordable costs, while conserving the natural environment and promoting the productive and balanced use of the planet's natural resources.

The concept of this technology was first presented by the Cleantech Group (founded in San Francisco, California, USA in 2002), a company that provides support to corporations, investors and smaller companies in the form of market research and assessment on how to incorporate this technology to their products and services, and how to market them. That makes this technology a very appealing option to most companies and their target audiences.

Popular ways of using this technology in our daily lives is through recycling (processing used materials to create new ones), renewable energy (energy obtained from natural resources, such as sunlight, wind, water and geothermal heat), sustainable or green transport (walking, cycling, green vehicles, carpooling, public transportation), green or sustainable chemistry (designing products that contain little or no hazardous substances to the planet), using energy-saving light bulbs and greywater (wastewater generated from activities such as laundry, dishwashing or bathing. It differs from sewage or blackwater, as it doesn't contain human waste).

As there is a growing interest in clean technology and its benefits, there has also been a growing demand for careers or courses focused on the topic, such as Environmental Engineering or Environmental Systems (a form of civil engineering, where professionals are able to create structures or the right landscape that can perfectly blend in or protect the environment), Environmental chemistry, sustainable chemistry or environmental chemical engineering (courses help the student understand the positive and negative effects chemicals can have in the environment), and Environmental technology courses (that focus on producing electrical or electro technology-oriented graduates, that are able to develop tools and equipment aimed at monitoring, calculating, shaping and controlling the impact on the environment or discovering new technologies that can be used to create or recycle energy.

The need to minimize pollution (as it affects not only the environment, but our health) and use more clean technology to prevent and reduce it, this initiative has led country leaders to come together and create strict obligations to reduce the emission of greenhouse gases in industrialized countries.

The need for further research and documentation has resulted in the creation of non-profit organizations worldwide. The fast and effective communication through the internet, and proper ecological education in schools, and the development of careers focused on creating sustainable development and clean technology, has helped people all over the world understand the problem and educate themselves, and the new generations to favor this technology, and make the lifestyle changes necessary to make it tomorrow's technology.

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7 Issues For Parents to Know in Special Education Settlement Agreements

Are you the parent of a child that has a learning disability that has filed for a due process hearing? Has your school offered a settlement, and you wonder what to do about it? Do you want to make sure that the settlement is enforceable in state or federal court? This article will discuss 7 issues that you need to keep in mind for a special education settlement agreement.

Under the Individuals with Disabilities Education Act there are 2 types of settlement agreements.

1. A written settlement prepared at a resolution session, after due process is filed.
2. A written settlement prepared at a mediation meeting by a mediator.

Keep these things in mind when preparing and agreeing to a special education settlement agreement:

1. Read the settlement agreement from beginning to end. Consider showing the agreement to a special education attorney or an experienced advocate, to ensure that it is a fair agreement.

2. Only settlement agreements prepared at a resolution meeting (after due process is filed for by the parents), or a mediation are enforceable in state or federal court. So be careful!

3. The agreement should be in writing, be specific, be dated, and signed by both parties. Make sure that any promises of services have dates for starting and/or ending services! Also make sure that if a particular service is offered that it states who will provide the service. For example: Speech Therapy will be provided for 90 minutes per week by a Licensed Speech Language Pathologist. The Therapy will begin in 2 weeks; which is the week of March 15, 200_ and will end May 28, 200_.

4. If you already started a due process hearing and the school district offers a legally binding settlement agreement, consider doing a consent decree. A consent decree is done by a hearing officer. The agreement is actually read into the record, and is treated as a regular due process hearing officer decision. Check with your state board of education and see if they allow consent decrees and if they can be enforced by the state board of education.

5. Most settlement agreements have confidentiality agreements included as part of them. What this means is that the parents are agreeing to not tell anyone what the settlement agreement contains. You will have to decide if you are willing to agree with this or not.

6. Most school districts put in agreements that this agreement will settle any past disputes between parents and the school district. Make sure that the agreement does not say future disputes; as you do not want to give up any IDEA rights in the future.

7. If a settlement agreement contains an offer for a private placement at public expense, make sure that the agreement does not contain a waiver of stay put. If your child does well in the private school and you have waived stay put, you will have difficulty keeping your child in the private school for stay put. There are ways around this, but it will be difficult and time consuming.

I think any settlement that has waiver of rights, should be looked at with a microscope! You do not want to make it difficult in the future to ensure that your child receives a free appropriate public education!