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Stocks and Mutual Funds are the primary investment vehicles for Retirement Plans.  Individuals interested in investing in securities may not have the time or mind set to study individual stocks.  A mutual fund maybe the answer to a higher return in their plan for the future.  Everyone should understand the basics of the investments in stocks or mutual funds that compose the growth vehicle of your plan.   Thousands of investors pool their money in a mutual fund that will have professional management.  These experts do the multiple buying and selling of the stocks and bonds in the mutual fund depending on it's Mission Statement.  The buying and selling increases the fees of these mutual funds.  Several research papers have shown that an Index Fund, which tracks a stock Index like a S&P 500 Index have less buying, selling in the fund and lower Portfolio Fees, which help the Index mutual fund out perform many managed funds.   Contact... read more

• Just about everyone now claims to be a photographer. Especially with the technology doing the work and software creating the results. • With that said, this message is intended for both the beginner and customer. • We have all heard the adage: “You get what you pay for.” But, when it comes to wedding photography, sometimes you don’t get what you pay for. Or, you don’t get enough of what you expect. • Beginners tend to allow ego to get in the way of learning and development of (true) skills. When compliments stand in the way of practice, the next opportunity can be costly to both the client and the professional who didn’t get the job, because the beginner was cheaper. • We all have to start somewhere and some, make that most professionals and more experienced photographers either took a class, attended a workshop or had a mentor. I did all three. • This post comes with great respect for those who are sincere in their goal of becoming a professional, not just... read more

In a world inundated with technology and information, it is easy to assume that “everyone knows…or should know (by now).” Surprisingly, there are clusters of people who have resisted the movement and the universal urge to belong to a robotic lifestyle, managing to maintain their bond with “nature.” There was a time when someone had to teach you how to fish and hunt for your next meal or two. You actually had to make your own weapons or gear, get up before the sun and walk/paddle into the wilderness and fish it out of a stream or ocean with your bare hands, rod or net, or hunt with bow and arrow, spear, axe, traps or lures in order to survive. If you didn’t learn, you didn’t eat (as well as the rest). To document these daily rituals, that later became a “sport,” an artist either drew your likeness onto a cave wall, canvass or a photographer had to load film into a camera and “pop” away, in order to immortalize the participants. The art and business of photography is... read more

  Hello Potential Student,   EARN WHILE YOU LEARN: There are many different methods used to invest in the stock market, but there aren’t any guarantees. The market performs the same, but it is different all the time. The index values go up and come down, trends meander all around. The market paradox is it will go up until nobody knows when, if it is correcting it will drop until then. You buy leader stocks and they go from first to last, so you buy them and let them run then sell them fast.     Review my Profile for more information.    

Back in the day, where you wanted to go to college dictated which standardized test you took. Colleges in the midwest generally required the ACT, while those on the coasts wanted the SAT. These days, the score conversions are commonplace enough that most colleges will accept either one. So how do you choose which one to take? Well, there are a few differences to keep in mind. Format Most of the differences between the tests are matters of format. The SAT is comprised of ten sections ranging from 12 to 35 minutes each. The sections alternate between reading comprehension, math, and writing, and the whole test begins with a 25-minute timed essay. One of the ten sections is an “experimental” section, which is not scored as part of your test and is a chance for the test-makers to try out new ideas on a group of students. The ACT, in contrast, is four 75-minute sections, one for each subject. The ACT does not include an essay, but it does include a “science” section... read more

5. When necessary, I use my humor, acting skills, and comedic training to make the sessions more engaging. 4. I turn the tables and make the student/client the teacher/coach: they teach ME how to understand the concept.  If they can teach it, then they truly understand it. :) 3.  I don't continue to repeat the same thing if the student/client doesn't understand.  If the student/client doesn't understand, the problem is often not with the student/client, but with how I am explaining it.  Therefore, I always have multiple ways to explain the same concept.  This makes the lessons fun by ensuring the students/clients do not get discouraged. 2. I ask students/clients what would make the sessions more fun, enjoyable, or useful: 9 times out of 10, they know better than me! 1. I smile, enjoy myself, and have fun teaching!  You'd be surprised how many tutors, teachers, and coaches don't do...

Dr. Bob suggests that a basic mathematics course be introduced for nurses and medical professionals on a multi-year schedule in well-defined programs with continuous certification as a continuous program in hospitals and certification programs especially if medical errors occur.   Medication Errors with the Dosing of Insulin: Problems across the Continuum Pa Patient Saf Advis 2010 Mar;7(1):9-17.      ABSTRACT Controlling blood sugars with insulin is essential in the management of hyperglycemia in both diabetic and nondiabetic patients. However, studies have shown that the use of insulin has been associated with more medication errors than any other type or class of drug. From January 2008 to June 6, 2009, Pennsylvania healthcare facilities submitted 2,685 event reports to the Authority that mentioned medication errors involving the use of insulin products. The most common types of medication error associated with insulin... read more

In figures: the average earnings bonus for an American who learns German is 3.8%. This means an extra $128,000 in your retirement account. Sounds like spending your spare time with Kafka, Goethe and Heidegger is a real bargain! I'll be there to help you! Read more here

Hello potential students, My husband and I will be visiting our families on the western side of the state from December 22-28th.   I understand this is a time many students would like to get caught up with school work. I would be happy to assist, please feel free to email me at   Thank you and Merry Christmas!   Tiffany Leggett

- make yourself at ease and get to know and understand your student   - take it slowly and steady   - ask questions and give realize examples.   - let them do a task on their own or write as you speak. That way they understand and learn the format in which a problem is resolved.   - Above all have Fun and learning should be fun.

There're many aspects of English that are puzzling even to native English speakers. I'd like to take this time to attempt to clear up a few of the more common errors I see.     Your/you're. Your is possessive. For instance, is that YOUR car? Or: YOUR dog is weird, Charlie Brown. You're is a contraction of YOU ARE. This is evident by the "re", which is the ending of the contracted word "are". Examples: YOU'RE going to do well if you learn these concepts. Then/than Than is used only for comparatives (comparing two or more things or people). Ex: George is taller than Sam. I'd rather eat Burger King than McDonald's. Then is used to talk about the order in which something was done. This becomes clearer with examples. Ex: Sam ate dinner at his friend's house, then went home. Fred ate salad then soup. To/too/two Too means also or as well. It also means excessively. Ex: I like The... read more

I know that some of you foreign language students, when desperate, turn to Google translate (or other online translators) for help. While these translators can be helpful for the most basic of sentences (and they often get these wrong) or single words, they are not a "resource" on which you should rely. They often give a literal translation, which is seldom helpful. Frankly, the results are often gibberish. A word of advice: if you are taking a foreign language course, the teacher can almost always tell when you've used an online translator. It behooves you to understand the grammar concept at hand. If you don't, you should ask your teacher, or a classmate who does well in the class, for assistance. If that's not an option, for some of the more commonly spoken languages (English, German, et al) there are many websites that do a very good job of explaining the grammar. For German, I can point you to several sites that explain grammar very well.

Hi! I am a Miami Beach-based English Teacher and have recently joined WyzAnt to see if there are EFL (English as a Foreign Language) students who need a bit of help with their English; conversation, TOEFL, grammar, accent reduction....   I enjoy teaching as I like to meet people from around the world and help them reach their goals, and my absolute favorite topic is grammar, especially verb tenses :)   My background is in journalism and social media, but I have been teaching for a while now,  working at a language school during the daytime hours and teaching through an online school as well.    I will be blogging about learning English, and I hope to hear from you! I am available to teach over Skype, in person at a cafe in Miami Beach, or possibly come to you depending on the distance (I live on South Beach).   Have a great weekend!    

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