Department Of Education Website

Modification – Knowledge, Power, Wisdom

By now, if you actually read past the title, you probably are already familiar with some of the specifications for a loan modification. You probably understand the basic guidelines and standards in order to qualify. You are probably facing a financial hardship, money is short, while you are scrapping by month to month (maybe “scrapping by” is under exaggerating your circumstance). According to your present knowledge and understanding for a modification to be offered you qualify on all accounts. Then, why has it been so difficult to receive or negotiate with your lender? This article will appear very elementary, however it is not to insult anyone’s intelligence but to make sure there is no misunderstandings with what is being written.
For common ground let us define the terms “knowledge,” “power,” and “wisdom.”
1. Knowledge: the fact or condition of knowing something with familiarity gained through experience or association or the fact or condition of being aware of something accompanied by the range of one’s information or understanding
2. Power: the ability to act or produce an effect. Power also can be defined as possession of control, authority, or influence over other.
3. Wisdom: knowledge of what is true or right coupled with just judgment as to action; sagacity, discernment, or insight.
Let us focus on Knowledge for the moment. Our knowledge in any particular field will determine our efforts, our frustration and ultimately our success or failure. With any endeavor the more knowledge we have the more confident our approach. Let us not though equate knowledge with conceit or arrogance. The first question you must ask yourself is, “What is my knowledge regarding the qualifications for a modification? The second question I should ask, “What is my knowledge regarding the process of a modification when contacting my lender?” Another question a person could ask themselves is “How long does a modification typically?” If a person is unable to answer these question confidently then the next question is obvious, “Where do I get more information regarding the standards, process, and procedures of a loan modifications?”
Power. For this article let us focus on the italicized portion of the definition previously mentioned, “influence over others”. When applying for a modification an individual will need to exercise (wisdom remember is the judgment as to action, or putting our knowledge into action) their familiarity pertaining to lender processes for a modification. This relates to the first question mentioned for individuals to assay their knowledge regarding a modification. People can only act according to their knowledge, even if that knowledge is just contacting your lender for more understanding.
A loan modification is a great benefit to a struggling homeowner in dire needs, while many persons have benefited from their mortgage being accepted and having their monthly mortgage payments reduced. This is not the case for everyone. As such, if you find yourself needing more knowledge to act with power and wisdom, there are choices available to assist. Either you can contact your lender directly; you can hire a professional firm to assist and use their knowledge; you can also seek more information by utilizing ebooks written for home owner’s benefits providing more knowledge regarding consummating a modification.

Department Of Education Website

Preparing For the FAA Pilot Knowledge Test

I am preparing for my FAA Private Pilot Knowledge Test:Should I go on a few local flights to prepare?
This really depends on you – and my instant “yes” may not be the correct answer for you. I am a very strong advocate of purchasing and studying an online FAA Private Pilot Knowledge Test preparation course EVEN if you are attending a traditional classroom ground school.
Here is the problem with my instant yes. They’re usually one hour, and I can guarantee you that 2 hours in the air will cost you more than the online course; an interactive digital course that is always updated to meet any FAA changes.
You need to weigh this question out for yourself and decide if the investment is worth it. If you are a “learn by” example / visual / left brain type of person then going up with different people and taking the controls for a while will really help you immensely.
The passing score on the FAA Private Pilot Knowledge Test is only 70%. If you get 70% the FAA will let you move forward and begin learning how to physically fly an aircraft. As stated in another article, it is important to do better than just pass the test “by the skin of your teeth”. The FAA really doesn’t care, but everyone else does.
If you are considering a carrier in Aviation or if you want to move forward into any certifications that includes compensation (such as towing gliders or crop dusting) your employer will want to know what your score was on your FAA Private Pilot Knowledge Test. Even more, your Score on the FAA Private Pilot Knowledge Test can affect the way the insurance companies look at you in some states. Yes, all pilots need to have insurance the same as any driver.
Here is a bit of a solution to the financial burden of trying to get some airtime while you are still preparing for your FAA Private Pilot Knowledge Test. Let everyone at the airport closest to you know that you want to go flying. There are usually quite a few FAA Recreational Pilots flying on the weekends. They can legally carry one passenger with them and if you explain your situation they may even let you fly for free just to have the company.
If you have a jump school close to you (parachuting) express your situation to them. Normally the aircraft used are two seats, and even if both seats are occupied, you can sit in a jump seat or stand in the doorway to get a feel. Personally, I would just make sure I was the last one to jump.
If you are enrolled in classroom training for your FAA Private Pilot Knowledge Test then let your instructor know you want to go up as much as you can. All pilots know other pilots and your instructor will also be able to help.

Department Of Education Website

Articles Vs Press Releases For An Online Marketing Strategy

If you are in the process of creating an effective online advertising and marketing campaign you should understand the differences between articles and press releases. Both these concepts have advantages for attracting more visitors to a website. If you have limited time and money to devote to your campaign, take a moment to discover which option should best be used and why.
An article is a document that you would create and submit to an online directory. The information it contains should be interesting to the viewer and in some way relevant to the products or services you offer through your portal. In the article you can place links to your website so that an interested party can be redirected to your home page.
Depending upon the directory chosen, an article can be topical and opinionated, but keep in mind that most directories do not want articles that are overly promotional. The main point of the document should be to provide information to the reader.
Article marketing has many benefits. For example, it offers a huge reach that is not possible with other forms of advertising. Also it can be used to increase search engine optimization, this is essential today in the highly competitive online world. If you can submit information with a back link to your site, which is then ranked highly by the mains search engines, be ready to receive a huge amount of traffic.
Press releases are also a useful tool to integrate into your marketing strategy. They differ in a number of ways from articles. A press release is not general; it would carry information relating to a specific product, service, event, or offer. For example, if you have a website that sells clothing you can send out a press release when you have a new range of stock.
They are only of value in the short term as the data they carry can quickly become redundant, this is not the case with articles as the information they contain can be of interest for many years. Both articles and press releases have the benefit of being able to be picked up by other sites and blogs. In fact there are certain portals that would be interested in carrying your press releases as it can attract more traffic to their own web pages.
The way in which articles and press release are constructed and submitted is dramatically different. An article can talk in detail and at length on a particular subject or topic whereas a press release should be brief and to the point. For an article to be approved by a directory the grammar and sentence construction must adhere to traditional English language concepts. A press release on the other hand can be structured in an easy to digest format.
Which option would best suit your needs would depend upon your overall aim. If you are after a long term interest from internet users, articles may be preferable, whereas if you want to receive a high number of visitors in the short term opt for creating press releases.

Department Of Education Website

Business Tip – Execute Your Plan With Confidence

You have heard the principle, “give a person a fish, they will eat for a day… teach a person to fish, they will eat for a lifetime”. Do you believe in it?
There are plenty of tools, resources, products, and services available all over the internet and in your own backyard to help you be successful. Are you taking advantage of them to implement the proven strategies into your own business? Or, are you still “winging it” like most business owners?
You can only build your business to your own level of competency. In order to grow further, you have to increase your knowledge and therefore your competency.
What is your plan? Do you have a plan for your business? In addition, do you have a plan for yourself? You need a plan to increase your knowledge and raise your business competency level. This needs to be in writing and thoroughly thought out.
Your knowledge is a direct reflection to how may books you read. What does your written plan say about how many books you read per month? If you are not a reader… then get the audiobook version. There… I just solved your objection.
The more knowledge you have, the more confidence you will gain. The more confidence you have, the greater chance that you will take action and execute your plans.
Execute your plan with confidence! Take action today to achieve your goals. If you find yourself in a comfort zone, then do something to stretch yourself. If you are uncomfortable with where you are today, then that is good. Now, go do something about it.
Profitable results in your business is a reflection of the action that you take. The action you take is a reflection of the confidence that you have obtained. The confidence that you have is a reflection of the knowledge that you have gained.
Gain more knowledge today!
To Your Success!

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Department Of Education Website

Why Twitter? The Revelation

I try to spend as much time as I can marketing and researching and furthering my “reputation” or “Googleability” by using the social networking sites, posting on blogs, contributing to forums, etc. Yes, self promotion as often as possible. I do after all have a business to promote.
I have noticed in my internet wanderings, that many people have been wondering “Why Twitter?” And deep down inside I get Twitter, and I longed to try and put it into words that the layperson could understand, but I was always hit with writer’s block. And my particular understanding was from a pure Search Engine bias. The more backlinks you can get and the more you are “out there” then the probability of people finding you or your services on the internet increase. SEM 101.
Today, the best response to “Why Twitter?” came to me out of the fog…
It’s elearning in tiny bite size morsels. Learning about your friends, learning about resources, learning about how other people work their daily schedule. It can also be elearning on an entirely subconscious level. You aren’t aware of the tiny little facts that enter your brainstream until at some point in the day, week or month, someone mentions something and you’re like “Oh yeah! I just read that on Ed Dale’s Twitter” or “Wow. Michelle MacPhearson just twittered all about that!”
The possibilities for those interested in expanding their online knowledge increase exponentially with Twitter.
Back to my moment of revelation when it finally dawned on me WHY anyone would want to use Twitter…
I was checking my Twitter Followers the other day and making sure I was following them too. Trying to figure out who they were and how they found me. After I pushed the “Follow” button on a bunch of them, I woke up today to a stream of so many great Twitters I was just astounded. The reach of these Twitter friends from around the world and the wealth of knowledge is so fantastic, it literally leaves you a bit gob smacked.
Sure, some if you might of heard of, there is a lot of idle water cooler chat and sometimes it’s not earth shattering, but I picked up more great new sites and ideas in the span of 10 minutes than I had all week in my usual day to day activities.
“Why Twitter?”
Twittering has the infinite possibility of exponentially increasing your knowledge of the wide open and far reaching internet as well as keeping you in touch with friends, family and colleagues in a relaxed and friendly environment. – Erika L. Rich
I would love to hear what you all think about what I said or your particular reasons for using Twitter.

Department Of Education Website

Knowledge Is More Important Than Color

The ugly birth of racism among different races brought about a destiny killing complex that unfortunately still lives deep in the minds of many people today. No matter how much we try to either pretend or ignore its existence, the spirit of racism is very much alive among our societies.
Perpetrated, unfortunately, by the body that should have been fighting against it, racism has been the biggest blow to a man’s confidence and identity.
Traces of this vice can be found among people of different ethnic cultures but the biggest has been between white people and black people. For centuries now, white people have been taught and trained that they are a superior race to the blacks, and black people, through the slave trade that resulted from this teaching, have also been taught and trained that they are inferior to the white race.
This brain-washing has been so deep-seeded that to progress beyond this point; we will need a re-brain-washing in the right way, a retraining of our minds.
It’s not an easy job to simply tell someone, who has gone through this brain washing and thinks that anything black is bad while everything white is good, to tell them that there is nothing wrong with black, would almost take a rebirth of their mind to accept. Some people actually attribute the underdevelopment of Africa to the colour of the skin of the African man. Is the poverty in Africa inherent in the black man’s skin? Is the black man under a curse to live in perpetual poverty?
From my childhood, whenever I saw the picture of the devil, he was painted black, and Jesus was always painted white skinned. All the angels in my junior bible stories book were white, while their counterparts, the demons, were all black. The English language even has terminologies such as: “black sheep”, meaning “a member of a family or group who is considered undesirable or disreputable – really a disgrace”.
Some of the meanings of phrases used with the word “black” as quoted from the American Heritage Dictionary of the English Language are as follows and I quote:
“Black deeds” means: evil and wicked deeds.
“Black thoughts” means: cheerless and depressingly gloomy thoughts.
“He gave me a black look”means: his look was marked by anger and sullenness.
“A black day” means: a day full of disaster and calamity.
Other phrases used with the word “white” are as follows and I quote:
“That’s very white of you.” Means you are decent, honourable and dependable.
“White magic” is magic that is without malice and harmless.
“White” also means auspicious and fortunate, morally pure and innocent.
To “black out” means to lose consciousness while to “white out” means to correct errors.
The list goes on and on.
With this background from infancy, reprogramming your mind to think differently is not an easy bit.
Our society has been staged to uplift the white race and down tread the black race. This is why slave trade was considered “normal”, the black man was not regarded as a complete human, and this was even preached in church. The church which was supposed to fight the scourge was actually in the forefront promoting this evil act in the name of the Lord.
To this day, when an indigenous black man sees a white man, he feels like he has met an object worth of respect because he’s been trained to think that way; that the white man is above him; and likewise, the white man feels superior when in the presence of a black man. Many white men were taught and trained that the black man is supposed to work for them and not the other way round.
When I was growing up, whenever I did something that my mom liked, she showered me with praises, and this is how she’d go:
“Oh what a brilliant boy you are, you are a child of a white man, you are a white man, your skin deceives us all!!” she’d go on and on bragging about how “white” I was and I’d feel really great and proud.
On the other hand, when I messed up, black was all over me; “you black African boy, what’s wrong with you??” she’d scream; this was the time you hated to be black. I wasn’t the only one who had this experience in my childhood, but this upbringing unconsciously trains you that to be black is bad, you should have been born white.
Apart from the slave trading of black people of Africa, those that escaped and remained in their countries were subjected to the tragic effects of colonialism. The segregation, the mistreatment and torture from this epidemic further cemented the inferior complexes in the minds of the black people. Their lives became wholly dependent on the colonial masters that ruled them for years.
And when they could no longer manage themselves without the help of their masters, they were finally given the so called independence.
You cannot be truly independent until your thinking is independent.
The black people of Africa were colonized to think like their masters, to speak the language of their masters, to think that they were not able to rule themselves, they were colonized to think that their masters were smarter than them. They were trained to depend on their masters, and when this was eventually enshrined in their black minds, they got their independence.
In essence, the black man in Africa got his independence when he could no longer rule himself effectively. To this day, Africa is still struggling with issues of governance and poverty, not because Africa has no resources, but primarily because it does not have a mind of its own. Africa still economically depends on its colonial masters to a very large extent; the amount of international debt and aid accumulated in many African countries is a direct indication of this dependence and inability for Africa to rule herself effectively. Africa still has its master in the white man; and Africa lives by the economic policies of its master.
However, in spite of all this, you cannot continue to blame the past for your present and your future misdemeanour. We need to deal with this before we can make any significant progress.
Black people need to know that having an inferior perception of oneself will always cause your mind to function at below average. White people do not have a problem here, it’s the black man that has been looked down upon as having a below average brain, inferior to the white man’s brain.
An inferior self image, will always result into an inferior lifestyle.
To a person with this mindset, it would take a total transformation of their mind to understand that there is no difference between a black man and a white man except for the color of their skin; and that there’s no relationship between your achievements and your race. Unfortunately, your subconscious mind will always resist change from it’s prior training; this is a protection mechanism working in your system. Every person is either brain washed by them selves or by the environment in which they live to believe and think in a certain way. Brain washing can either be positive or negative.
The internet has become the greatest equalizer of all time, information that was once not available to you, is now available to all; the treasures that were once only for the select few, are now let out in the open for all.
There is a very interesting script in the christian bible which says:
Therefore, my people are gone into captivity, because they have no knowledge and their honorable men are famished and their multitude dried up with thirst.
Isaiah 5:13
The greatest enemy in your life is not your race, neither is it your fellow human being. Anything you cannot change, is not what you are up against – that’s not your enemy.
The greatest enemy in your life is called “ignorance”. What you do not know will always have an upper hand over you.
The text from Isaiah 5:13 above, implies that the main reason you are hungry and in bondage is that you have no knowledge.
Most of Africa fits this description perfectly; “into captivity and famished”.
When slaves were taken from Africa, they were forbidden from learning to read and write, lest they discovered themselves and knew what their masters knew. Have you ever heard of the phrase…
If you want to hide anything from a black man, put it in a book…??
Because Africa, in general, does not have a culture of reading, this prevents the creation of a pool of knowledge within the continent.
Knowledge will give you power to face your future with confidence.
Knowledge will break down those chains of inferior complexes resulting from racism and segregation.
Knowledge is indeed more powerful than color!!
But what is knowledge?
True knowledge is one that starts from knowing yourself first. Even a prince, if he does not know that he is a prince, he will live like a slave. Knowing yourself will direct the course of your life and will determine what you touch, what you study and eventually what you achieve.
Unfortunately, there is no college nor university in the world that offers a course about you and who you are; the greatest university that offers that course is inside you.
The greatest achievers of our time are people who learned how to manage themselves and placed themselves where they could perform and contribute effectively – it is people who knew their strengths, their weaknesses and their value systems. These people know exactly how best they perform and so they do not try to change themselves but rather harness the way they perform.
This is key number one to true success, to a fulfilled life; to happiness… discovering your true self will make your life easier and more enjoyable.
How painful and difficult it is to cut down a tree with a knife – though it looks like the knife might actually get the tree down some day, the job is easier done with an axe because a knife was not built for cutting down trees. But this is how many people are living their lives, pursuing a life for which they were not built and armed, and therefore finding it so difficult.
Are you finding life difficult? Is what you are pursuing too hard for you? Are you enjoying your work or do you dread it the minute you think about it? Are you saddest on Mondays and happiest on Fridays? Perhaps you are a knife which is trying to cut down a forest and the project seems to never coming to an end!! Or maybe you are an axe but you are busy only cutting vegetables and you feel so dissatisfied because your full potential is locked up and unutilized…
Many from the adult population in formal employment, actually don’t find fulfillment and satisfaction in their jobs; and because they have been locked up in the chase to make ends meet, they would not do anything about it apart from enduring the days, and for most, they find weekends as the only time they have to pursue their dreams, and their joy comes from what they do only in two days per week. Under performance in jobs comes primarily from people that are misplaced and only work to earn a living; they work because they have to, not because they enjoy it.
True knowledge of one self, is the beginning of a purposeful and therefore meaningful and enjoyable lifestyle; and knowledge is truly more powerful than color.