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    Don't Screw Up Selling Your Structured Settlement - Stay Clear of These Common, Costly Blunders
    Selling a structured settlement is a major financial decision and as such, shouldn't be taken lightly. Ideally you would want to hold onto your structured settlement and continue receiving payments as-is since that will give you the most money in the long run. Selling all or part of your structured settlement might cost you some of the the earning you would have received down the road, but if you need to raise some fast cash, this can be a viable option.But before you sell your structured settlement, you should be aware of some of the pitfalls people run into. These are very common mistakes people make when selling a structured settlement but by reading this article and understanding them, you'll be less likely to make the same mistakes.Mistake #1: Not Knowing Your Financial Needs FIRSTThe first mistake most people make is simply not knowing exactly what their financial needs are, why they're selling their structured settlement and how much money they actually need. Often times when we get in a cash crunch it's easy to let emotions and stress run our decisions, but it's extremely important to take inventory of exactly what your financial situation is and why you need to sell your structured settlement.It may turn out that you can get by just fine
    mple, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might

    Unsecured Tenant Loans – Enjoy Benefits Of Risk Free Loans
    In taking a loan, tenants usually face harder conditions laid down by the lenders. This is because tenants do not own a property worth taking a loan against and may be major risks in a loan offer. However considering tenants’ typical problems, lenders have now designed unsecured tenant loans for smoothly providing financial help to them. The loan amount approved as unsecured tenant loans can be put to variety of purposes like clearing wedding or educational expenses, enjoying holiday tour or paying off smaller debts.The advantage of unsecured tenant loans is that these are fully risk free loans for tenants. Lenders approve unsecured tenant loans without collateral. But as risks are there for the lenders, they tend to charge higher interest rate on unsecured tenant loans. So tenants should be prepared for timely clearing the loan installments and so they must have sufficient income and repaying capacity at hand. This is one reason why unsecured tenant loans providers prefer to look into current income and employment of the tenant. This means that if tenant takes an assuring repayment plan to the lender, it only increases chances of the loan approval. It would be prudent to borrow as per your actual repaying capacity which can be arrived at by deducting regular expenses from income. If a te
    Why do so many people hate to write?

    Many of us have a strong fear of writing. Memories of red marks covering our papers still evoke feelings of shame, and the mysteries of grammar and spelling continue to drench us in cold sweat. Such feelings are easy to understand because they connect directly to our experience at school, to grades, and to (often unfair and erroneous) evaluations of our self-worth.

    In Teaching with Writing, Toby Fulwiler presents the findings of a 1981 study of writing in American schools that I believe is still valid today. It found that the majority of assignments involved transactional writing—the kind used to communicate information.

    The second most common type of writing was mechanical—the kind used to fill in the blanks, copy information off the blackboard, and take notes. In fact the study found that mechanical writing represented 24 percent of all classroom activity! Imaginative writing—the kind used, for example, in writing poetry—came in a distant third and only occurred in English classes.

    It is these kinds of writing—copying down what our teachers “teach” us; regurgitating the information in boring, pedantic essays; filling in the blanks on worksheets; and taking tests—that most of us think of when asked to put our words down on paper. This is one reason why such a task so often fills us with dread and resistance.

    Schools ignore the most powerful use of writing

    Unfortunately, the study also found that a fourth kind of writing—expressive—was almost completely absent from the classroom. Expressive writing is the kind you do for yourself. It is when you write your own thoughts down in order to play with an idea, look at it from different angles, explore relationships, or analyze and synthesize.

    In other words, the study concluded that “writing was taught almost exclusively as a means to communicate information rather than as a means to gain insight, develop ideas, or solve problems.”

    Such an educational system does us a great disservice, because expressive writing is one of the most important tools we have for learning—whether or not we understand what a split infinitive is or where a colon should go! According to Fulwiler, “writing is basic to thinking about, and learning, knowledge in all fields.”

    Writing has a remarkable power to foster learning

    When we express our words on paper, we slow our thoughts down and separate them from our greater Self. This enables us to generate ideas we never would have thought of if we had not first written them down. It also enables us to play with ideas, move them around, and analyze them from different angles.

    Writing helps us acquire new knowledge from other people and synthesize it so it becomes part of us. It helps us discover what we really think and feel about a subject, and it helps us come up with new insights that would otherwise have remained unconscious due to the fleeting nature of oral speech and inner thought.

    In other words, expressive writing is one of the most powerful tools we have to foster learning.

    Try these!

    So how can you take advantage of this wonderful tool to achieve your own purposes? Below are a few suggestions for how you can tap into writing’s power to help you learn. I hope you have fun playing with them and seeing which ones work best for you.

    I. Prewriting & Brainstorming

    Before you begin a new project, enter a classroom/meeting, or begin composing a complicated written document, your mind needs preparation. Your thoughts are likely miles away from the task at hand, so it helps to find a way to reign them in and engage them.

    One way to accomplish this is to prewrite. To do this, choose a subject and immediately start writing about it. Record everything that comes to your mind for a certain length of time (maybe 3 to 5 minutes) without stopping, analyzing, or judging.

    Brainstorming is similar to freewriting except that you just make a list of words/phrases/ideas as quickly as possible for a certain length of time.

    The brain naturally creates associations

    One of our brain's most important functions is to associate one idea with another. For example, if you think of the word mountain, your mind will immediately begin associating other ideas with it. (The first words that came to me were: snow, cool, blue, sky, pine trees, fresh, streams, ferns and shade. What about you?)

    Prewriting and brainstorming are wonderful ways to use your brain's ability to associate in order to energize your mind, connect with your task or event, and awaken your interest in it. If you are writing a document of some kind, they also generate numerous ideas that you can then select from and organize into your major thesis and supporting points.

    II. Summaries & Reflections

    As soon as you have listened to a speech or lecture, or read a passage in a book, write down a summary of it. If you can put something into your own words, you probably understand it and will remember it. However, if your mind feels like it is in a soupy fog when you think about what you have just read or heard, it is a sure sign that you haven’t understood the material and will soon forget it!

    Writing a reflection is even more effective than simply writing a summary because when you reflect you weigh the pros and cons of what you have just learned, link what you already know and care about to the new material, and evaluate its relevancy to you.

    In other words, a reflection engages both your mind and your emotions. This is important because if you are not interested in something—and cannot see how it is relevant to your life or what you are trying to accomplish—you will soon forget it.

    III. Storytelling

    If you have something complicated to learn, try creating a story out of it. Human beings love to tell and listen to stories, and the images created by the characters, plot and setting can remain in our minds for a lifetime.

    Before the invention of writing, our ancestors used rhyme, meter and repetition; larger than life characters; and traditional plots and themes (the hero, the quest, the journey) in order to memorize their communities' traditions and pass them down orally to new generations.

    Such methods still work for us today! So whether you are trying to remember the rules of punctuation or the names of all the muscles in the body, turn them into a story replete with fun, interesting characters and a strong plot. (If you set your story to music and act it out physically, your memory will soar!)

    IV. Self-Dialoging

    This is another great way to find out what you truly know about a topic, to generate ideas, and to look at a subject from different angles.

    When you self-dialog, you take on two roles. For example, write down a question you have, then listen for the answer from inside yourself and write that down, too! This can produce some surprising results that are quite accurate. This is because we frequently have the answers to our questions inside of ourselves--even if we aren't conscious of it.

    You might also want to take on both sides of an issue to help you understand it completely. For example, first write down several sentences in support of the issue, then write down several sentences against it.

    V. Annotating

    Annotation requires you to read actively by consciously thinking about what you are reading and then writing your thoughts down as you go.

    When you annotate, it is as though you and the author were holding a conversation. You ask questions, connect ideas, think about what is missing, compare what the author is saying to what other authors have said, and so on.

    In contrast to reading actively, many of us pick up a book and read it passively, without engaging our minds or emotions. The problem with this is that our minds often turn completely off. For example, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might a

    Successful Sales Managers Are Great Influencers
    Question: What is the number one need for success in business today?Answer: To persuade others of your value and the value of your ideas.So What Is Influencing?Influencing is getting your own way, especially unobtrusively.Most managers do it, most of the time.• You can influence others simply be being you (notice how easily children are influenced by the behaviour of those around them) • You can influence covertly, behind the scenes • You can use more open strategies and tacticsGreat influencers manage to get other people to go along with their ideas whilst maintaining the relationship. If people feel manipulated, relationships will be damaged. It is important to understand the different strategies available to you and to plan your approach.Mastering The Art:Increasingly today’s managers are measured by their ability to influence others in the workplace. Being able to get people to do what you want has a direct effect on:• The well-being of your staff • The prosperity of your company • And, ultimately, your own destinyYou are probably already successful at influencing others – some of the time. How can you become consistently successful? If you can identify your strengths and wea
    .”

    Such an educational system does us a great disservice, because expressive writing is one of the most important tools we have for learning—whether or not we understand what a split infinitive is or where a colon should go! According to Fulwiler, “writing is basic to thinking about, and learning, knowledge in all fields.”

    Writing has a remarkable power to foster learning

    When we express our words on paper, we slow our thoughts down and separate them from our greater Self. This enables us to generate ideas we never would have thought of if we had not first written them down. It also enables us to play with ideas, move them around, and analyze them from different angles.

    Writing helps us acquire new knowledge from other people and synthesize it so it becomes part of us. It helps us discover what we really think and feel about a subject, and it helps us come up with new insights that would otherwise have remained unconscious due to the fleeting nature of oral speech and inner thought.

    In other words, expressive writing is one of the most powerful tools we have to foster learning.

    Try these!

    So how can you take advantage of this wonderful tool to achieve your own purposes? Below are a few suggestions for how you can tap into writing’s power to help you learn. I hope you have fun playing with them and seeing which ones work best for you.

    I. Prewriting & Brainstorming

    Before you begin a new project, enter a classroom/meeting, or begin composing a complicated written document, your mind needs preparation. Your thoughts are likely miles away from the task at hand, so it helps to find a way to reign them in and engage them.

    One way to accomplish this is to prewrite. To do this, choose a subject and immediately start writing about it. Record everything that comes to your mind for a certain length of time (maybe 3 to 5 minutes) without stopping, analyzing, or judging.

    Brainstorming is similar to freewriting except that you just make a list of words/phrases/ideas as quickly as possible for a certain length of time.

    The brain naturally creates associations

    One of our brain's most important functions is to associate one idea with another. For example, if you think of the word mountain, your mind will immediately begin associating other ideas with it. (The first words that came to me were: snow, cool, blue, sky, pine trees, fresh, streams, ferns and shade. What about you?)

    Prewriting and brainstorming are wonderful ways to use your brain's ability to associate in order to energize your mind, connect with your task or event, and awaken your interest in it. If you are writing a document of some kind, they also generate numerous ideas that you can then select from and organize into your major thesis and supporting points.

    II. Summaries & Reflections

    As soon as you have listened to a speech or lecture, or read a passage in a book, write down a summary of it. If you can put something into your own words, you probably understand it and will remember it. However, if your mind feels like it is in a soupy fog when you think about what you have just read or heard, it is a sure sign that you haven’t understood the material and will soon forget it!

    Writing a reflection is even more effective than simply writing a summary because when you reflect you weigh the pros and cons of what you have just learned, link what you already know and care about to the new material, and evaluate its relevancy to you.

    In other words, a reflection engages both your mind and your emotions. This is important because if you are not interested in something—and cannot see how it is relevant to your life or what you are trying to accomplish—you will soon forget it.

    III. Storytelling

    If you have something complicated to learn, try creating a story out of it. Human beings love to tell and listen to stories, and the images created by the characters, plot and setting can remain in our minds for a lifetime.

    Before the invention of writing, our ancestors used rhyme, meter and repetition; larger than life characters; and traditional plots and themes (the hero, the quest, the journey) in order to memorize their communities' traditions and pass them down orally to new generations.

    Such methods still work for us today! So whether you are trying to remember the rules of punctuation or the names of all the muscles in the body, turn them into a story replete with fun, interesting characters and a strong plot. (If you set your story to music and act it out physically, your memory will soar!)

    IV. Self-Dialoging

    This is another great way to find out what you truly know about a topic, to generate ideas, and to look at a subject from different angles.

    When you self-dialog, you take on two roles. For example, write down a question you have, then listen for the answer from inside yourself and write that down, too! This can produce some surprising results that are quite accurate. This is because we frequently have the answers to our questions inside of ourselves--even if we aren't conscious of it.

    You might also want to take on both sides of an issue to help you understand it completely. For example, first write down several sentences in support of the issue, then write down several sentences against it.

    V. Annotating

    Annotation requires you to read actively by consciously thinking about what you are reading and then writing your thoughts down as you go.

    When you annotate, it is as though you and the author were holding a conversation. You ask questions, connect ideas, think about what is missing, compare what the author is saying to what other authors have said, and so on.

    In contrast to reading actively, many of us pick up a book and read it passively, without engaging our minds or emotions. The problem with this is that our minds often turn completely off. For example, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might

    Employee to CEO
    Millions of people make the switch to CEO of their own home based business. Believe me if I can do it, anyone can!By starting your own home business you have made the first step of taking control of your financial and emotional future. I say emotional because I know that when I worked a 9-5 job my stress levels were astronomical!Most new home business entrepreneurs start off by keeping their 9-5 by day and by night they are getting their business to take off. You may be walking around your 9-5 with a smile on your face – knowing that soon enough you are going to walk right up to your boss and say I quit because you can’t pay me enough, nor is my time for sale anymore!When that glorious day comes, and boy will you have a big grin on your confident face! You are now a full time CEO. No more requests for vacations, no more scheduled lunch breaks, no more senseless office chit chat, no more boss hovering over your shoulder, no more wondering if you are going to be included in the lay off this quarter. YOU ARE FREE! Congratulations!With this new found freedom comes needed discipline. Even though it is fantastic to not have a boss telling you what to do and when to do it, it is difficult for some to create that work schedule now that they are home. You think – well I don’t
    reewriting except that you just make a list of words/phrases/ideas as quickly as possible for a certain length of time.

    The brain naturally creates associations

    One of our brain's most important functions is to associate one idea with another. For example, if you think of the word mountain, your mind will immediately begin associating other ideas with it. (The first words that came to me were: snow, cool, blue, sky, pine trees, fresh, streams, ferns and shade. What about you?)

    Prewriting and brainstorming are wonderful ways to use your brain's ability to associate in order to energize your mind, connect with your task or event, and awaken your interest in it. If you are writing a document of some kind, they also generate numerous ideas that you can then select from and organize into your major thesis and supporting points.

    II. Summaries & Reflections

    As soon as you have listened to a speech or lecture, or read a passage in a book, write down a summary of it. If you can put something into your own words, you probably understand it and will remember it. However, if your mind feels like it is in a soupy fog when you think about what you have just read or heard, it is a sure sign that you haven’t understood the material and will soon forget it!

    Writing a reflection is even more effective than simply writing a summary because when you reflect you weigh the pros and cons of what you have just learned, link what you already know and care about to the new material, and evaluate its relevancy to you.

    In other words, a reflection engages both your mind and your emotions. This is important because if you are not interested in something—and cannot see how it is relevant to your life or what you are trying to accomplish—you will soon forget it.

    III. Storytelling

    If you have something complicated to learn, try creating a story out of it. Human beings love to tell and listen to stories, and the images created by the characters, plot and setting can remain in our minds for a lifetime.

    Before the invention of writing, our ancestors used rhyme, meter and repetition; larger than life characters; and traditional plots and themes (the hero, the quest, the journey) in order to memorize their communities' traditions and pass them down orally to new generations.

    Such methods still work for us today! So whether you are trying to remember the rules of punctuation or the names of all the muscles in the body, turn them into a story replete with fun, interesting characters and a strong plot. (If you set your story to music and act it out physically, your memory will soar!)

    IV. Self-Dialoging

    This is another great way to find out what you truly know about a topic, to generate ideas, and to look at a subject from different angles.

    When you self-dialog, you take on two roles. For example, write down a question you have, then listen for the answer from inside yourself and write that down, too! This can produce some surprising results that are quite accurate. This is because we frequently have the answers to our questions inside of ourselves--even if we aren't conscious of it.

    You might also want to take on both sides of an issue to help you understand it completely. For example, first write down several sentences in support of the issue, then write down several sentences against it.

    V. Annotating

    Annotation requires you to read actively by consciously thinking about what you are reading and then writing your thoughts down as you go.

    When you annotate, it is as though you and the author were holding a conversation. You ask questions, connect ideas, think about what is missing, compare what the author is saying to what other authors have said, and so on.

    In contrast to reading actively, many of us pick up a book and read it passively, without engaging our minds or emotions. The problem with this is that our minds often turn completely off. For example, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might

    Home Staging in Santa Cruz
    If there was ever an ideal spot to stage a home then the California Coast is it! Staging a home in beautiful weather that lasts for the entire year makes the job that much easier. Having to deal with foul weather when staging your home for sale can cause a number of issues, especially if there is snow involved. In central California, this is really not a problem. Santa Cruz provides not only the ideal climate and atmosphere for home staging but the oceanside setting is one that cannot be beat.Staging the home is the art of presentation of a home. In staging your home you should keep a few things in mind. First; the home must be clear of all mess and clutter. Nothing can hold a home back on the real estate market quite like a mess, nothing that is, that is worth mentioning. This is a great time to start early on your packing, get rid of all the stuff that you don't use regularly. Make sure that countertops are clear and clean and try to remove any overly personal items such as pictures and those drawings that are always stuck to the fridge. The idea is to enable the viewer to picture themselves in the home and reminders of its current occupants take away from this ability.Staging a home is all about creating an atmosphere that viewers feel comfortable in, one that will cause them to
    racters, plot and setting can remain in our minds for a lifetime.

    Before the invention of writing, our ancestors used rhyme, meter and repetition; larger than life characters; and traditional plots and themes (the hero, the quest, the journey) in order to memorize their communities' traditions and pass them down orally to new generations.

    Such methods still work for us today! So whether you are trying to remember the rules of punctuation or the names of all the muscles in the body, turn them into a story replete with fun, interesting characters and a strong plot. (If you set your story to music and act it out physically, your memory will soar!)

    IV. Self-Dialoging

    This is another great way to find out what you truly know about a topic, to generate ideas, and to look at a subject from different angles.

    When you self-dialog, you take on two roles. For example, write down a question you have, then listen for the answer from inside yourself and write that down, too! This can produce some surprising results that are quite accurate. This is because we frequently have the answers to our questions inside of ourselves--even if we aren't conscious of it.

    You might also want to take on both sides of an issue to help you understand it completely. For example, first write down several sentences in support of the issue, then write down several sentences against it.

    V. Annotating

    Annotation requires you to read actively by consciously thinking about what you are reading and then writing your thoughts down as you go.

    When you annotate, it is as though you and the author were holding a conversation. You ask questions, connect ideas, think about what is missing, compare what the author is saying to what other authors have said, and so on.

    In contrast to reading actively, many of us pick up a book and read it passively, without engaging our minds or emotions. The problem with this is that our minds often turn completely off. For example, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might

    How to Pay Your Bills on Time
    In our daily lives we incur bills that we must pay. It is important to pay our bills on time so our credit remains good with each supplier. Hopefully you do not have very many bills to pay. However some of us find it hard to keep things sorted out bill-wise.Over a period of time I have developed a simply system to control the payment of my bills. It just might make it easier for you to pay your bills on time. Here is my system.Most employees get paid bi-weekly. If you are paid other than bi-weekly you will need to made minor adjustment to my system.Before you start make sure you have some paper and a pencil with eraser (You may need to make changes later.) on hand.Write down at the top of the first page as your starting date the date of your next payday. Add 13 days to your starting date. Your new date will be your ending date. Record this date below your starting date. You now have a 14 day period (equivalent to a bi-weekly pay periodCollect up all bills that come due during the latter dates. Take one bill at a time. On the left put the date each bill is due, In the center of the page (and in line with the due date) write the payee's name. To the right (and in line with the payee's name) write the minimum payment amount due. Do
    mple, have you ever had the experience of finishing a chapter in a book and suddenly realizing you don’t remember a word that you just read?

    You can avoid this by reading actively and making notes as you go along. You might want to emulate scholars by highlighting important passages in a book and writing your comments down in the margins. Alternatively, you could write down key ideas in a notebook and then evaluate their strengths and weaknesses.

    Questions to consider include:

    • What is the purpose and scope of the reading?
    • Do you disagree with something the author said?
    • Is the author biased? Did he leave something out or fail to consider something important in order to make his argument convincing?
    • Does a passage remind you of something else that is similar or relevant to the topic?
    • Do other authors/research corroborate this author’s thesis?
    VI. The Learning Log

    After a meeting or lecture, spend about five minutes summarizing and evaluating the most important points. Write down the answers to such questions as:

    • What was the meeting’s purpose?
    • Which ideas were most interesting or relevant to you? Why?
    • What still confuses you?
    • How would you summarize the major concepts?
    • Did the discussion build on or relate to your prior knowledge?
    • As a result of this meeting, what steps will you take next?

    Experiment with these to increase your learning success

    In order to engage your intuitive faculties more deeply when you are experimenting with the above techniques, try listening to music. Baroque and Classical pieces by composers such as Bach, Vivaldi, and Mozart work especially well for this.

    If you want to energize yourself (as when you are freewriting and brainstorming), try listening to the faster (allegro) movements. If you want to calm your mind down so you can truly absorb what you are reading, try the slower (adagio and largo) movements.

    You might also keep a small notebook handy so you can jot down thoughts, freewrite or brainstorm on a particular topic as it occurs to you throughout the day. Some people get their best ideas in the shower, some just as they are waking up, and others while they are commuting to work. (Mine occur when I am walking, especially if I am in the mountains or at the beach.)

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