Thursday, February 27, 2014

MBA Student Loan Consolidation Done RIght

Earning an MBA requires years of study, which could lead to significant amounts of federal and private student loans at the end of your program. You may want to consolidate that debt into one low payment. Doing so could save you more money in the long run as well as significantly slash your monthly payment.
According to Federal Student Aid, “Loan consolidation can greatly simplify loan repayment by centralizing your loans to one bill and can lower monthly payments by giving you up to 30 years to repay your loans.” MBA student loan consolidation programs offer graduates a safe and secure way to replace their existing educational loans with those provided by private lenders. (Source: Reuters)

Generally speaking, loan consolidation is a simple settlement process that can be done electronically or over the phone in about 10 minutes; however, it does require a thorough credit check of the applicant and any applicable co-signers. Only applicants with poor credit history need apply with a co-signer. According to CommonBond.Co, “If you are approved for a loan on your own without a co-signer, then you receive the same low, fixed interest rate as you would if you applied with a co-signer.”

Qualifying applicants must meet the following underwriting criteria:

Be a United States citizen or legal resident
Be a recent graduate
Own student loan
Because applicants are graduates of a participating school, lenders are more likely to approve their application than students who are applying without an established relationship. All approval decisions are made quickly, so you will know right away whether you’ve been approved.
Why MBA Student Loan Consolidation Works for Others and Can Work for You

MBA student loan consolidation works because it helps students straddled with high amounts of student loan debt find a better loan option, which could mean huge savings in the long run. “The MBA Refinance Loan - for borrowers who’ve already graduated from school - has a fixed interest rate of 5.99% and no origination fee and a corresponding APR of 5.99%,” according to CommonBond.Co, a company that puts borrowers in touch with lenders. The website goes on to say, “Borrowers are eligible for a 0.25% reduction in the interest rate by agreeing to automatic ACH withdrawals for repayment. The interest rate is fixed, which means that even if market-based interest rates change, the monthly payment will remain the same.”

These and other refinance terms make benefiting from MBA student loan consolidation easy. All you have to do is sign up, and your refinance terms will not change for the life of the loan—there’s absolutely no guesswork.

View here for MBA loan consolidation info related to your school. You don’t need to make a decision today, but you should at least discover the many ways in which MBA student loan consolidation could work for you. Have a paper and pen to jot down notes, or to simply calculate how much you pay now versus how much you could be paying if lowered your loan payments through MBA student loan debt consolidation.

How Educational Consulting Firm Can Help Students!

Gln consulting
Educational Consulting Firms are Changing the Levels of Knowledge Retention in Classrooms Throughout the United States

Much research has gone into studying how students learn the most in their educational endeavors. While teachers and educational instructors at all levels incorporate testing into their classroom instruction plans to gain an idea of how much information their students have learned over the course materials that have been covered, a lot of the knowledge that is desired for the student to retain is lost. Researchers have found that it is the way the course materials are presented that will determine how long the student will remember the facts that they have learned.

Unfortunately, the teacher or classroom instructor takes the lack of retention their students display as a personal failure in their career. With the studies that researchers have conducted this has been proven that this is not often the reasons behind the lack of knowledge retention. Every student has their own unique way of learning. Scientists have learned that by using a variety of methods to present course materials to a classroom the most success in knowledge retention can be achieved.

Professional organizations such as GLN Consulting and other such educational consulting firms out there have dedicated a lot of time and energy into creating educational programs that teachers can take confidence in. These firms are staffed with highly trained professionals that have a passion to the proactive approach they take to increase the level of knowledge retention students and teachers can expect. Their level of experience allows them to create a well-thought out plan that teachers can use to ensure their students reach those high levels of learning that is intended.

Consulting firms work with all educational levels. Their programs can be customized to meet the needs of educational groups ranging from elementary, middle school, high school, training centers, or even major universities throughout the United States. Concentrating their energy on designing interactive classroom materials students are gaining more understanding in some of the toughest subject matters such as Psychology, Mathematics, Sciences, and other major courses that are necessary for a strong foundation within their desired career path.

Visit or other such sites for reputation educational consulting firms that are available to see how they can turn your educational endeavors into a real success. Having the support from the experts on staff within their prominent companies will provide you with answers for some of the tough questions and concerns many educators have. You will quickly see a change in the success rates of your students once you too have implemented these teaching plans in your classroom.

Tuesday, February 25, 2014

Ancient Megalithic Stonework

In ancient period, several large monuments and megalithic structures were built across the world which was presumed to be built by different cultures who constructed pyramids and other pyramid like structures. Megalith means `giant stone’, which include Stonehenge, the giant stone figures on Easter Island, the Great Pyramids, the massive obelisks in Puma Punku – Bolivia including much bigger ones in Baalbek, Lebanon and beneath the Temple Mount in Jerusalem. There are certain walls consisting of very heavy interlocking stone blocks of various sizes which have been seamlessly placed together forming a puzzle without the use of any composite building material. This stonework all over the globe is so massive and precise that in spite of sophisticated modern technology, it would be impossible to duplicate them or even resemble them. There are several mysteries with regards to the construction of these megalithic structures and many were constructed with the use of massive and very heavy stones. Many have debated on their efforts for going into such trouble of using these heavy stones instead of using lighter and smaller stone, or if there was any specific reason behind it.

Stone Balls
The mysterious giant stone balls of Costa Rica in Diqius Delta are clearly man made though their purpose and who created them is unknown. Majority of these stones are made of granoduirite, which is a hard igneous stone and their size ranges from the size of a tennis ball to a huge 8 feet in diameter weighing around 16 tons, with its spherical precision and smoothness of amazing perfection which would be impossible to recreate them without the use of power tools. Another amazing fact on this mystery is that it is also found in several other areas of the world which include New Zealand, Malta including Easter Island. There are speculations with regards to these stone balls that these were once star maps, aligned to planets and stars, if they had never been moved. Prehistoric megalithic site namely Stonehenge, situated in the English Amesbury in Southern Wiltshire was developed by a culture which left behind no written records and archaeologists are puzzled on the purpose of the Stonehenge structure. According to some it could have been used as an astronomical observatory, a place for ceremonies and ritual use, or a healing center.

Many archaeologists around the world are of the opinion that the megaliths are the outcome of many hands that used primitive tools over the years while intervention theorists disagree over this issue. They find it absurd to believe that primitive people who with the help of fiber ropes and stone tools could cut some of the hardest stones on earth and build giant structures with such precision which is unmatched in present times. The Tiwanaku site known as Puma Punku is Aymaran and when translated means `Door of the Cougar’ are huge stone blocks, some of the heaviest block weighing 440 tons which were supposed to be part of a huge ancient architectural advanced structure. Its walls were made of solid multi ton blocks of diorite, an extremely hard rock which were interlocked and carved with accurate shape and angles with some even having indication of tool marks resembling advanced techniques like drilling and frasing. Stone cutters experts believe that it would be difficult for humans in modern times to acquire this precise cutting technique using primitive tools. In the city of Cusco, Peru, enormous stone blocks of different shapes form the walls of the complex known as Sacsayhuaman which are fitted together like a jigsaw puzzle. It was earlier thought to be a fortress though researchers are not sure about it anymore. The weight of some of these stones are around 500 tons and 27 feet in height where these types of interlocking stones are also found in various other megalithic structures in Peru – Machu Picchu, Ollantaytambo, Egypt and Easter Island.

Door of the Cougar
Within the mountain ranges of Hayu Marca in Peru, mysterious structures around 35 km from Puno to Lake Titicaca, was recently found in the year 1996, though locals already knew of its existence. It resembles a carved rock which measures around 7 meters high with 7 meters wide with a 1.5 meter wide niche at the center giving the impression of a door. According to local legend, these structures including Tiwanaku were known as `Portal to the Gods’, or the Portal to Heaven which was constructed by Lord Muru, a ruler from the land of Mu – an ancient sunken continent once situated in the Pacific Ocean. It was also known as the `devil’s door by the locals since some claimed that people disappeared and in some cases reappeared near the door and yet others related of strange tall men accompanied by glowing balls of light walking through the doorway. The purpose behind this structure is a mystery and some speculate that there were possibilities that it may have been used as a quarry like the strange quarry in Ollantaytambo which was located in southern Peru. Evidence show that the stones are cut out of the rock and were carved in such a manner leaving behind a smooth finish with traces of horizontal lines at the bottom as though it had been cut with laser technology.

Stone of the Pregnant Woman
In Baalbek, Lebanon, a complex temple was built by the Romans which were built on a foundation of the biggest and heaviest stone in the world that were carved and placed accurately into position. Blocks of around 10 meters length, 5 meters high and 3 to 4 meters deep were found, weighing around 450 tons per block and above these megaliths blocks, three blocks much heavier, weighing more than 1000 tons known as Trilithons or Triliths were placed. In another stone quarry neighboring it, the biggest stone weighing approximately 1158.696 tons, called the `Stone of the Pregnant Woman’, was found while another ancient monolith in the same quarry was discovered in 1990. This surpasses the dimension of the Stone of the Pregnant Women with its estimated weight of around 1242 tons. All these structures have given room for thought on how these megaliths have been transported and placed in perfect position with the help of manpower, ropes or primitive tools.

Saturday, February 22, 2014

Aramaic Bowl Spells – Its Beliefs and Practices

Aramaic Bowl Spells 1
Aramaic Bowls known as magic bowls are a kind of amulet comprising of incantation written on earthenware that were used by various Aramaic speaking communities which lived during the Sasanian Mesopotamia period. The corpus of these bowls is the most important source in obtaining information about daily beliefs and practices of the Christian, Jewish, \Mandaean, Zorastrian, Manichaean and Pagan communities on the eve of the conquest of Islam. These bowls are from Schoyen Collection with around 650 texts in different types of Jewish Aramaic, Syria, and Mandaic, all forming the largest collections found anywhere across the globe in which the volumes portrays edition of sixty four Jewish Aramaic incantation bowls together with translation, introductions, photographs, philological notes as well as indices. Moreover the themes also includes magical divorce together with accounts of the wonder working sages, Joshua bar Perahia, and Hanina ben Dosa and is one of the first multi volume project focused on publishing the Schoyen Collection of Aramaic incantation bowls.

Aramaic Bowl Spells 2
These incantation bowls were also known as demon bowl or devil trap bowl, a form or ancient protective magic found in present Iraq and Iran which were usually inscribed in a spiral starting from the rim and going to the center with most of the inscription done in Aramaic language. The bowls were placed facing downwards with the intention to capture the demons and were commonly placed under the threshold, in the corner of the homes of recently deceased person or in the graveyards and courtyards. The Aramaic incantation bowls are important source of information about Jewish magical practices especially the 80 Jewish incantation bowls found in Sassanid Babylon between 226-36 BC from the Jewish Diaspora settlement in Nippur. The bowls were used to protect them from evil influences like evil eye, Bagdana and Lilith where these bowls were used by the members of the Jewish community.

Aramaic Bowl Spells 3
On excavation one will find that practically every house in the Jewish home in Nippur was in possession of these bowls. There are at least 2000 bowls in existence in museums as well as private collections out of which less than 25% have been published and the majority of them are written in Aramaic dialect, a few in Pahlavi with a couple in Arabic. Besides these, a significant number of texts are also written in pseudo scripts and the kinds of Aramaic presented in prevalence order are Aramaic square script – 60%, Mandaic script- under 25%, and Syriac scripts under 15%. A very interesting aspect of the incantation bowls is the way the text is inscribed on the surface of the bowls in various ways, the most common being spiral which begins in the middle of the concave side of the bowl, moving in a clockwise direction towards its outer edge and the skill displayed suggest a need to produce manuscripts on conventional type of material like parchment.

Aramaic Bowl Spells 4
The Aramaic bowl text are intriguing and claim to protect their owners from various misfortunes including difficulty during child birth and rearing, poverty, illness as well as afflictions caused by supernatural and human foes. Moreover the texts also contain adjuration of supernatural beings to curb other beings or entities which may be the cause of adversity. The literature of these bowls indicates a rich theatre where various communities of angelic and demonic kinds and individuals are portrayed in a drama of war and conflict. The incantations are also styled and structured consisting of various elements like opening formulae, sequence in mystical as well as liturgical styles, name invocation, biblical quotations, historical tales of magical incidents of well known figures like great sages and prophets who had successfully eliminated demonic forces. Often, the incantation in the bowls are accompanied with graphic images which are commonly depicted as bound demons while other types of image are a variety of animals and abstract magical symbols or characters.

Aramaic Bowl Spells 5
The Jewish incantation bowl texts are eclectic since they are of literary materials which can be traced to canonical literature namely the Mishna, the Old Testament, the order of liturgy or mystical literature while other element occurred seemed to be either culled or borrowed from literary works which are unknown and some which indicate that they are not Jewish.

Aramaic Bowl Spells 5
The individuals who commissioned the amulets are mentioned within the text making them a source for study of personal named in late antique Mesopotamia and a study of male to female ratios, the makeup and size of families together with households listed as well as the types of afflictions mentioned, contribute to the study of social history of these people, responsible in creating and using these objects. Majority of the names are Persian, indicating that non Jews obtained the services of Jewish amulet practitioners and there is an instance in which a client obtained bowls made by both Jews as well as non Jews while another case shows that there bows made by different faith groups were also found in the same house.

Unique Desert Environment – Botswana Safaris

Botswana Safaris
Botswana itself a desert, is one of Africa’s most favored destinations for safari, with wildlife areas to explore, which is located in the north of the country. Due to this, the Makgadikgadi Salt Pans and Central Kalahari Game Reserve provide a unique desert safari environment and though their arid dry areas are not often visited it forms a startling contrast to the other safari areas further down north. The Okavango Delta Safaris are the main focus for most of the trips for Botswana Safaris, though there are other well known sites namely Moremi Game Reserve, Chobe and Linvanti. All their vast tracts of wilderness in pristine condition are classic viewing areas home of phenomenal concentration to huge herds of game as well as some of Africa’s awesome camps. Roaming is unrestricted between the Kalahari’s plains as well as the waterways of the Okavango and is an appropriate safari holiday for those interested in wildlife.

Botswana’s Safari – Private Reserves

A major part of Botswana’s important safari regions is separated in private reserves resulting in price hike with a level of privacy which accounts for the high ranking of the country on the list of its visitors. Privacy and wilderness are the main attraction with a Botswana safari since most of the lodges can accommodate around 8 to 20 guest and if one opts for a camp, one may find few tourist but plenty of game. An addition to the flavor of excitement is the arrival by light aircraft at the lodge for the safari, which is beyond compare. There is lots of excitement in store for the tourist in these private reserves where most of the camps offer game drives during the day and at night, walking, fishing, boating with Botswana’s Okavango trademark – mokoro activity which is awesome. Driving at night in these parks is forbidden with strict parking rules to be maintained since conducting walking safaris or driving off road could cause annoyance especially when an interesting game is spotted away from the track.

Professional Safari Guides with Open 4WD safari Vehicles. 

All of Botswana’ safari camps are equipped with professional safari guides with open 4WD safari vehicles which are of comfort nature. The chalets as well as the tents have en-suite flush toilets with hot and cold showers with most of them having fans and air conditioning.