Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.
Financial Education Services Review
Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection.The founders of this company, Mike Toloff and Parimal Naik come from a very successful background relating to the financial services industry and over the last 9 plus years have taken what was once an operation ran from a small back room in a shopping mall to a state of the art facility with representation across the countryFinancial Education Services ProductsToday’s market place demands products that will not only help consumers reenter the market place but as well help to educate them on important factors related to financial literacy that were never taught during formal educational years.It is this combination of products, service and education that has helped FES to become a powerhouse in the market place today and what separates them from there competition. When you educate your customer base you have a potential for not only referral business but as well retention of existing clients.Financial Education Services products consist of Credit Restoration, Positive Credit Building, Pre-Paid MasterCard, Wills and Trusts and the inclusive FES Protection Plan Membership that includes previous mentioned services along with DebtZero (Debt Pay-off System) and My Financial Lockbox.Financial Education Services Business ModelThe business model or distribution of these financial services is delivered through a network of independent distributors or what FES refers to as “Agents”. Agents are compensated for the sale of these products and also have the ability to build teams of agents and receive overrides and bonuses based on their team production.The business model is a form of MLM or as more commonly referred to as Network Marketing. The unique thing about the FES model as that agent’s can opt to simply sell the products and not participate in the team building aspect of the business although to maximizes the compensation plan you will want to participate in both sales of products as well as team building.Is Financial Education Services Right for YouWell let’s examine the facts; it is estimated that over 50 million Americans have less than a 599 credit score (Sub-Prime Credit), 90% of the population does not have a will and trust combination, the average consumer household debt is approximately 20K with no plan in place to pay it off and identity theft is the fastest growing crime in America. With that being said, it’s almost a certainty that most people know someone that can use the services that Financial Education Services provides.The most likely candidates for the FES business opportunity are professionals in the financial services industry such as mortgage brokers and Real Estate professionals. There has also been a recent surge in interest from the insurance industry.This opportunity just like any other home based business is great for anybody looking to enter the network marketing industry. There are no license requirements for the agents since FES is licensed and bonded in all 50 states including Puerto Rico.The bottom line is if you’re the type of persons that needs the services offered by FES, will to sharing products that can benefit others or enjoy working from home than the Financial Education Services opportunity could be right for you.
Federal Loan Consolidation: Who Can Qualify and Why
There is a general belief that businesses and individuals who get financial aid through loans from their federal government have all the breaks that they need. But even when availing of these loans, it is possible to eventually find oneself under a crushing amount of debt. That is why federal loan consolidation programs have been introduced.The availability of these programs has proven to be a lifesaver for many people whose attempts to maintain a low debt ratio has failed. The advantages of getting loan approval on federal terms can be lost when such important aspects as income or revenue do not prove to be as high as was hoped.Often, the response is to take out further loans to cover other areas. But to properly deal with the weight so many federal loans can create, it is necessary to take extremely proactive steps. This is where consolidation can be so effective, buying out the balance on existing loans and replacing them with one simple-to-pay loan debt.Federal vs Private Consolidation ProgramsThere are some differences between privately provided and federally provided programs. These largely relate to the interest rates that are charged, with private lenders seeking to make their profits by charging higher rates. The funds provided through federal loan consolidation, however, typically charge much lower rates.Of course, getting loan approval tends to be much easier with federal programs, as long as the applicant ticks all of the necessary boxes. Qualifying is often quite straightforward with private loans, but approval rests on other matters. When seeking assistance from the federal government, all that is really needed is to prove a need for that assistance.A crucial factor in any application for such aid, however, is that only federal loans can be covered. Privately secured loans cannot be part of any federally sponsored rescue loan.Who Qualifies for Consolidation LoansQualifying for federal loan consolidation comes down to the type of loans that an individual or business owner is struggling with. Therefore, the first stage in seeking the green light on a consolidation program is having already been issued with federal funding of certain types. There are two categories: agriculture and business.For farmers and others involved in the agricultural industry, there are four loans that can ensure qualification for a consolidation program, though getting loan approval may depend on the extent of financial hardship. The qualifying loans are FSA issued Farm Loans, Commodity Marketing Loans to bolster production and sales, Ownership Loans to alleviate economic difficulties, and Farm Storage Loans to finance the construction of grain silos and barns.Businesses have a larger array of federal loans available to them, but there are five types that are covered by a consolidation program. These are any Small Business Loan (as per Section 7 of the Small Business Act), Disaster Loans from the Small Business Association, Indian Loans for Native Americans, Micro Loans for start-ups, and Physical Disaster Loans for businesses that have suffered physical (not just economic) damage in a disaster area.Qualifying CriteriaIt is easy to understand that federal loan consolidation exists to help businesses get out of financial hot water, and that it does not exist to provide a road out of debt for anyone. Various federal bodies offer excellent terms to applicants, so it is only those who have suffered real problems that can benefit from these programs – previously getting loan approval is not enough.The general grounds for federal loan acceptance is that natural or economic disasters have threatened a livelihood, or funds to finance essential facility upgrade work are not available because of a poor credit. These loans can add up, creating real difficulty, but a consolidation program help borrowers back onto their feet.