Starting Kids Out On STEM Education

Many parents in the U.S. feel as though they’ve received a good education and they think their children are getting the same. But many don’t know that the U.S has been gradually falling behind the rest of the world in the so-called STEM areas — Science, Technology, Engineering and Mathematics. American students ranked only 17th in a 2009 study by the program for International Students Assessment. Moreover, since 1960 the percentage of bachelor or graduate degrees in the STEM areas has dropped to 8% from 17%, indicating that the problem is serious in higher education as well.

This is a tragic turn of events considering that the STEM areas are the foundation of progress and innovation and were prevalent in our country throughout the twentieth century. American innovations transformed our nation with strides in manufacturing, transportation, communication, electronics and space exploration, at the same time that American computer technology was transforming the world.

These same fields will be the foundation of jobs and careers of the future. Computers are proliferating as tools in every field of human endeavor. Science and mathematics are now widely used in planning and statistical analysis giving us new answers in medicine, ecology, energy and commerce where none existed before. World dependence on digital technology is growing exponentially, and with it is the need for competent science and technology professionals.

There are initiatives underway within educational circles to help correct the situation, and there is a growing consensus among business and corporate leadership that funding and incentives must be provided to move things along faster. There are determined efforts within the government to rapidly locate and train teachers and educators in the STEM fields using incentives like scholarships and loan forgiveness. There are also initiatives to improve teaching and learning techniques to help increase the quality and reduce the time involved in the uptake of STEM knowledge.

But initiatives aren’t enough by themselves. Parents also play a critical role.

As a parent, you can help your child get prepared for the careers and jobs of the future, all of which will require knowledge and skills in science, technology engineering or mathematics. Children today are so inundated with technology that they take it for granted. Technology, to a kid, is commonplace, as prevalent as the clothes they wear and the chairs they sit in, as ordinary as the plastic or cardboard in which electronic devices are delivered. To them, everything is “awesome”, and when everything is “awesome”, nothing is truly extraordinary.

You can help them gain an appreciation for science and technology. – not by relating stories of your childhood when such marvels were non-existent, or when you actually had to turn a dial on a telephone and wait for it to click through the numbers – but by presenting them with thought problems. What would they do if their smartphone suddenly stopped working? How would they find out how to get to a friend’s house if Google maps didn’t exist? How would they find out about the life of Thomas Jefferson if there was no internet? Ask them to accomplish a variety of intellectual task without using a computer or smartphone. If you need to, help them research the answers.

Encourage them to think about how computer games are made, how motion pictures are written, planned and produced, how various products are designed and how the tools and machines to produce them are developed.

Provide them with an enriched environment. Surround them with books that explain their world in words and pictures. Encourage them to watch documentaries of interest – videos that demonstrate the making of various toys and products or exploration of faraway places. Provide them with toys that are designed to encourage curiosity, imagination and creativity.

Play with them. Engage them in conversation and encourage them to “think up” things to do, games to play and things to build. The more you can get them to use their brains actively rather than passively, the more likely they are to become independent, productive adults with knowledge and skills that will carry them through a successful career.

And finally, help them by setting the example. Let them see you reading, writing, sketching solutions, making calculations, and approaching technology fearlessly and with curiosity and amazement. Express appreciation for the engineering and imagination that goes into games and other products. Talk with them about the role of scientists, engineers and mathematicians in society.

Help them to understand that these are fascinating fields of study that can turn into lucrative careers. Help them understand that these are easier and more promising ways to be successful than to become a movie star, musician, or a major league ball player.

5 Personal Information Answers You Must Know Before Getting Insurance Quote

Many people think that getting an insurance quote is so easy that it only takes one phone call, five minutes of time and the quote is ready. In reality, it takes more than five minutes and lots of questions given to you by the insurance agent. A good agent will question you to find out you unique situation and will create a custom quote just for you. So be ready to answer personal information questions before you call for a quote.

Here are five questions that insurance agent asks before it gives you a quote.

1. Name of the person who owns the property and will be listed on the policy as named insured. It is very important to give the agent the legal name of the insured, as it appears on your identification card, so if a claim occurs, the check will be written to the right person. If name changes appear in the future, after the policy is already issued, the name change needs to be reflected and updated on the policy. If you have a mortgagee or loan holder, it should be listed as additional insured. If lien holder changes, insurance company needs to be notified about the change.

2. Date of birth of the insured to be listed on the policy. Many insurance companies give a discount to individuals over 50 years old. If you have very common name, date of birth will identify you among other individuals with the same name. You would not want to have the responsibility of the other person’s claims, would you?

3. Social Security Number is important determining the policy premium. Insurance companies like high credit scores, as it shows you being on time paying your bills. Before you call for a quote, look up your or your spouse’s credit score. Ask the agent to put the name of the person with highest score first on the policy.

4. Employment status guaranties the insured has enough of income to pay for the insurance policy. Some insurance companies like employed individuals holding high positions in the company, or specific occupations more favorable. Again, it shows the insurance company that the insured will be capable of paying the bills on time.

5. Education is important factor with some insurance companies. Education mostly influences auto insurance premiums. Insurance companies think that more educated individuals are less inclined to have a claim and are more responsible, so the company will face fewer losses.

The Best Quotes From America’s Top Motivational Speaker Jim Rohn

Jim Rohn was one of the most in-demand motivational speakers. Before his death in December 5, 2009, he was known for serving as a good influence to others when it comes to personal development. After all, his rags to riches story from a farmer to a stock clerk to a successful entrepreneur is a blueprint that a lot of people would like to follow. He’s also a beloved author, and his book, “Five Major Pieces to the Life Puzzle”, continues to teach people how to succeed by having the right philosophy, attitude, action, results and lifestyle.

A Quotable Man

One of the main reasons why he was one of America’s top motivational speakers is because of his inspirational quotes. His quotes are placed on sticky notes that are displayed on refrigerators and computer monitors all over the world. He has a lot of inspiring quotes that choosing the best quotes is a huge challenge. However, compiled below are some of the best quotes that you can get inspiration and guidance from.

Best Quotes of Jim Rohn

  • “Formal education will make you a living; self-education will make you a fortune.”

Simply put, education doesn’t start and end in the classroom. You need to educate yourself outside the four walls of the classroom. Your self-education will help you unleash your inner creativity and intelligence that can lead to ideas that can make you a fortune.

  • “Success is nothing more than a few simple disciplines, practiced every day.”

This is a very good quote because Jim Rohn basically simplified success. This means that just about anyone, with the right disciplines, can experience success.

  • “Motivation is what gets you started. Habit is what keeps you going.”

This is one of his most popular quotes. According to him, you just need to find the right motivation in order to get started. Once you’ve started, habit will kick in and this is how you can keep going.

  • “Miss a meal if you have to, but don’t miss a book.”

This is consistent with his advice to continue with self-education. Continue feeding your mind and a good book is more important than a good meal. On a related note, one of his best quotes says, “Nourish the mind like you would your body. The mind cannot survive on junk food.” Again, he put importance on nourishing the mind.

  • “At the end of each day, you should play back the tapes of your performance. The results should either applaud you or prod you.”

Self-appraisal is also important. You should take a look at what happened during the day. Is your day a performance worthy of applause or boos?

  • “We must learn to help those who deserve it, not just those who need it. Life responds to deserve, not need.”

This quote will really make you think as we’re programmed to help those who need help. According to him, we should learn how to determine who deserves the help that we can give.

Jim Rohn has a lot of other amazing quotes. With these best quotes, you can already see why he’s well-loved and why he’s an inspiration to Americans and people from all over the world.

Life Quotes Guide Us

There are so many famous quotes and sayings that can be used to guide our own life. These sayings came from the wisest people that have ever lived and we are lucky to be able to gain wisdom from their experiences. In this article, we are going to look into some of the life quotes that can be used as guide for living.

Mariel Hemingway have quoted, “Finding some quiet time in your life, I think, is hugely important.” We live in a world with high speed movement. In this life, we are too busy to notice things. It is often advised by wise people that we need to listen to our inner self. Listening to inner self calms us and helps us to be the master of our own emotion. People who doesn’t invest on quiet time for themselves are normally people that are easily controlled by their moods. Things outside them will gain mastery of them, instead of them of mastering their own self.

The next love quote is from Will Rogers, “If you want to be successful, it’s just this simple: Know what you are doing, love what you are doing, and believe in what you are doing.” Whatever we do, we must love doing it and believe that it will give us the result that we want. Unless we don’t love what we do, we are not going to get what we going to love. As the famous saying goes, what goes around comes around. Give love in things that we do and we will get back love from the things we have done. It might be an unknown how it’s going to work, but the believe should be there to give us the faith.

Here’s to one of the best life quotes that has been shared around in different version, came from Benjamin Franklin, “Do you love life? Then do not squander time, for that is the stuff life is made of.” How true and wisely said. Our time equals life, no matter how, we can never get back either one of them. We must treat time equally or higher as much as we treat the importance of money. Money can only be made as long as our time permits, so we must be grateful for time that we have and make the better use of it everyday.

Another remarkable life quote is from Jim Rohn, “Formal education will make you a living; self-education will make you a fortune.” In his quote, we can see the truth about learning and the importance of knowing our selves much more than knowing about other things or other people. It is through understanding our self, we will come to an understanding of the world. We must first love ourself and our life before we are to be loved. Take some time, listen to your own self. Marcus Aurelius have quoted, “Nowhere can man find a quieter or more untroubled retreat than in his own soul.”

What You Need to Know About Online Health Insurance Quotes

When you’re in the market for health insurance, the best place to start looking is on the Internet. The ease with which you can obtain online health insurance quotes cannot be matched in the offline world. It is highly recommended to review not one but multiple health insurance quotes, as this will help protect against paying too much for, or getting too little from, your health insurance.

There are two main issues that should be addressed in each of the online health insurance quotes you receive. The first is the details of the policy, including but not limited to any co-pays, deductibles, and exclusions. The second detail is the cost of the policy. Monthly, quarterly, and annual costs should be spelled out clearly, since service fees are less and a discount usually granted for those willing and able to pay for longer periods of time.

Being able to compare several different plans all at once is an especially powerful tool to use when going through the potentially intimidating process of searching for affordable and quality health insurance. Only by comparing multiple online health insurance quotes, their details, and costs will you be able to accurately gain a sense of your options. Wading through the waters of the health insurance industry can be overwhelming for the uninformed. With multiple online health insurance quotes, you become much more informed and in a position to better compare “apples to apples” and “oranges to oranges”.

If, after looking over your online health insurance quotes, you are uncertain about anything, be sure to contact the company and get it cleared up. The time to do this, of course, is before you “sign on the dotted line”. A good online health insurance broker should have no difficulty with you asking any amount of questions; and if they do, it may be time to look for a different broker.

If you are in the market for health insurance yourself, you will most likely want to request several individual online health insurance quotes. Individual health insurance is issued as an individual policy, whether it’s for one person or a family, while group health insurance is typically offered by employers to their employees, or other organizations to their members (e.g. labor unions).

Collecting several online health insurance quotes will help make you an educated consumer by allowing you to compare various plans side by side. Only by being educated will you be able to make a confident health insurance choice for you and your family.