Why Educate Through Multimedia?

Gone are the days of traditional education that was confined to tiresome lectures and silent books only. Today, multimedia has become an important part of education all over the world. Now educational institutes have become more conscious of how they impart knowledge to the aspirant minds.What is multimedia?Multimedia refers using more than one medium, such as audio, visual tools or both. It involves using five basic type media such as:· Text
· Video
· Sound
· Graphics
· AnimationA few or all of these components are combined together to make education more purposeful. It offers immense benefits to students as well as teachers. The main advantages are briefly discussed here:EffectivenessWith the use of multimedia, students are better able to comprehend what they are being taught at school, college or university. Learning becomes more effective for them. When multiple senses work together, human mind catches information readily and absorbs it fully. Usually, students at primary and secondary level are not smart enough to understand complicated things instantly. With the use of graphics, sounds and animation etc. their comprehension power increases substantially.FascinationMajority of learners are greatly fascinated by multimedia. For instance, a lecturer who is constantly speaking in front of a rostrum can make students feel bored or sleepy. On the other hand, same content delivered through computerized system full of colorful text, appealing graphics, clear sounds and animation attracts their attention. The same information remains vivid in their mind for a longer time, when it is conveyed using multimedia technology. For young ones and school-going students, this is a great way to keep them stuck for hours and increase their attention span.Interactive learningWhen students interact during class, it gives them an opportunity to learn in a better way. With the use of various software, they can do self-assessment as well. This is a huge benefit offered by multimedia. Now there is no need to stand in queue and wait to get answers checked by teacher. Use quick and reliable educational software instead. Most experts are strongly emphasizing the importance of interactive learning. Since, it is student-based; it offers more advantages than traditional education. Now learners are not listeners only but active participants in the class room.Personal developmentIt might sound strange, but it is a proven fact that interactive learning, especially with multimedia helps a lot in shaping personality of the students. They become more independent by doing self-study and self-evaluation. Moreover, when their learning skills are improved, they get more confident. It teaches them to learn things in a systematic and disciplined manner.Academic performanceStudents perform better in assessment, when they are taught through multimedia. This is true only when curriculum is carefully planned and the methods of imparting knowledge are highly effective. A computer software with poor sound and blurred or extremely sharp images will rather hinder the ability to grasp quickly and frustrate the learner. Therefore, all the devices and tools must be working perfectly.

Senior Health Care Insurance

Health Insurance For Seniors On The NetWhen a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.He reported back to me about a week later, in desperation: “I am giving up, I am too confused.” He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his mother.In this world of technology, the family unit is often living in different geographical areas and the family members are usually quite involved with their own lives, careers, and families. In addition, when both parents are alive, often one or both parents are quite independent and do not require a lot of assistance. As time goes on things, of course, change, and sometimes change very suddenly. There can be a crisis, with regard to the health care needs of one or both aging parents.With our baby boomers facing this problem in ever increasing numbers, and with the information highway in full bloom, there is a definite need for planning.Protecting your parent’s assets and health is a huge and daunting undertaking, which requires a tremendous amount of education and practical application. Our seniors face many diverse responsibilities upon reaching age 65. To name just a few: Estate planning, taxation, Medicare, social security, wills, insurance, and various other legal and financial matters. All of these different areas require expertise from accountants, lawyers, estate planners, insurance agents, home brokers, financial advisors, and others.The Internet is a good starting point for most people to find resources for questions and solutions for your problems. There is, however, no replacement for good solid intelligent advice from an expert.Twenty years ago, insurance for elders was sold by “senior insurance specialists”, with just a handful of companies in each state. The programs were most often Medi-gap or Medicare supplemental policies, which covered the expenses not covered by Medicare, including hospital and doctor deductibles, durable medical devices, and non-approved Medicare costs. Ironically these specialists did not sell a lot of nursing care policies, even though Medicare paid a national average of less than 2% of these expenses. With the advent of “financial and estate planning” and more insurance companies entering this market, a more broad and diversified product line became available to agents, brokers, planners, and seniors.Part of this new diversification was the “home health care plan”, sold by itself, and in conjunction with senior health insurance products. The appeal of the “home health care policy” was that a senior could stay at home and still receive medical and custodial benefits, allowing a person to recuperate in the comfort of their own home.This was the answer to a huge problem. The last place an older person wanted to go was a “retirement home”, or “rest home”, or, God forbid, the “nursing home.” It appeared that seniors could now rely on this new innovation without worry of having to move out of their home environment in the event of a health problem.As with most things,” if it is too good to be true”…. The home health care policy is no exception. The problem is, there is not enough coverage for a lengthy illness or recuperation time. The fact is, the new trend is toward an “all in one” type facility, allowing for a variety of levels of care all in one location. In other words a senior could start off with little or no health care concerns in an independent, less expensive area, and then go to an assisted living, or nursing care facility, all within the same compound.A “nursing home” requires a nurse on the premises 24 hours per day, assisted living is just eight hours. The advantages to this are financial. The patient or senior is only charged according to the care level required during the time he or she is admitted to that facility. Another benefit is it alleviates a lot of planning because the care is delivered, as it is needed. The medical attention is available to all residents regardless of their current health.Some people are offered a lifetime package, which covers their care for the rest of their life, regardless of their current age. It also allows for social outlets to an otherwise somewhat isolated group. On-line shopping services have become a huge business. It is definitely here to stay and many insurance policies are purchased from Internet quotes and on-line applications.There are literally hundreds of thousands of insurance agents and brokers advertising on the Internet. Most of them will provide instant on-line quotes and even applications for the potential insured. I highly discourage a layperson to purchase insurance in this fashion. A little knowledge can be dangerous.The federal government has mandated to all states through legislation, the standardized senior health insurance policy guidelines, which are governed and regulated by each state insurance department.There are plans for almost every level of health. Some are designed and priced for a less than healthy individual. Others are for a person with minimal health concerns. . The whole concept of insurance is to provide protection for “unanticipated” sickness or injury, especially catastrophic expenses, which would devastate a person’s net worth. The more small expenses a person is willing or able to pay (self-insure), the lower the rate. I recommend this strategy when evaluating your insurance options.Another consideration when reviewing various insurance plans is to look at the company itself. How long has the company been selling this type of insurance? Do they have a lot of complaints filed with the local department of insurance? Are the rates stable? Does it pay claims on time? Service? Most agents talk about the rating. These ratings are as follows: A+, A, A-, B+, B, B-, C+, C, C-, or “not rated”.Do not be fooled by rating alone. It is good to have a high rating, but it is far better to have a company that has longevity, stability, innovation, service, and expertise. The problem is that some companies enter into a market and quickly leave without explanation. This does not give security to the policyholder.The most important consideration should be a review of the profit/loss ratio for that product. This will establish stability, and longevity in the market. An insurance company with a moderate profit in a particular line of business will remain in that market. On the other hand, a company with losses will make changes and possibly even withdraw. This is information not normally available to Internet users.Before entering into an insurance contract, the senior person, the family, and other advisors must be realistic, and a careful evaluation of the entire picture must be examined. The age, the health of the senior, the financial resources, the personality and attitude of the senior, and most importantly the desires of the senior, should all be considered.Early planning is important, as qualification becomes increasingly more difficult as the applicant’s health declines. The senior health care market is complex. I will offer some words of advice to attempt to alleviate potential pitfalls.*Choose a well-informed, seasoned, and service oriented agent or broker to assist your decision making process. The professional can offer invaluable information, but do not be afraid to ask a lot of questions and even get a second opinion.*Do not wait until your parent or loved one is sick, or injured. Plan ahead and take the time needed to cover all the options.*Choose an experienced insurance company. A Company that has been in the marketplace for a significant time and has maintained a balance of rates and benefits and sound risk selection with moderate rate increases over time is your best bet.*The plan should be flexible, with a broad range of options and benefit selections to the insured. There should be no tricks, or complicated language for the coverage. An incredibly low rate is a red flag for trouble in the future.*Do not rush or be rushed by an over aggressive sales person.This policy will not be inexpensive and will need to be read and reviewed for a clear understanding of the contents. This is one advantage to the Internet. You are allowed to read indefinitely before you act.A long-term care program, with or without insurance coverage, will only work if the senior has input into the care selection process. If there are any questions about the accreditation of a facility please call the “Continuing Care Accreditation Commission at 202-783-7286.

Paying For College Through an Online School

Studies show that college graduates earn more and have more career opportunities than those who do not have a college diploma. Paying for a college education, whether you are attending a traditional or online school may be a challenge, but not impossible. Fortunately, there are several options available that can help you meet tuition fee expenses.Online schools are aware that many of their students have other financial obligations such as household bills, child-related expenses or medical bills. This is why they offer payment plans that allow you to pay in monthly, quarterly or semi-annual installments. Some institutions give a discount of up to 50 percent if you pay the tuition in full upon enrollment.Others offer a payment plan that allows you to pay for one course at a time, rather than an entire semester or year at once. Here, you are required to pay the tuition and applicable fees before each course’s start date. To further reduce costs, you could try to get credit for college-level courses you may have taken in another institution, while attending an online high school, or for relevant work experience.
A third party may make payment of your tuition and fees. If you are currently employed, your company may be amenable to financing your college education. Military and government agencies will sometimes shoulder the expenses for active military or civilian government contract employees.However, this option is valid only for as long as you are with your employer or the military/government agency. Also, it is expected that any required documentation or payment will be submitted on time. Any amounts not covered by your employer/military/government agency should be paid before the start of each course.Your employer may prefer not to be billed directly and will instead reimburse you the tuition costs. The online school usually offers a deferment period so that you will have time to collect reimbursement from your employer. Payment should be made before the deferment period lapses, otherwise a late fee will be charged.Other traditional sources of financial aid include scholarships and loans. You can use private loans or Federal Financial Aid grant and loan programs. If you are a member of active duty, reserve or National Guard military personnel or your spouse is one, you are eligible for discount in tuition at most online schools.Pursuing a college education is a great investment in your future. The above are just some of the ways to make college payments easier. Tuition, fees and discounts vary from one online school to another, so it is best to talk to an enrollment adviser to help you decide which payment option will work for you.