Music Therapist – Heal Thyself

I started running about a year and a half ago and completed my first half marathon last August. When I first started running I used the treadmill in our basement. I decided to watch episodes of television which I don’t usually have time to watch while I would log in the miles. Last January I thought that running with other people would keep me motivated so I joined the Itasca Runners. They are a great group of people who meet every Saturday morning to run five miles or more. The first time I went I was barely finishing three on the treadmill, but I figured I had nothing to lose so I went.

Needless to say, it took a while to build up to the five miles with the group and even more to the thirteen for a half marathon. The first several times I ran outside I took my iPod and put on a file which I titled “Driving Hits.” This is a collection of songs that I like and actually know the majority of the words which I usually use to keep me focused during long drives (hence the title). As a music therapist, this sounded like a great idea. After all, there is a fair amount of research which shows that the use of music can increase endurance, stamina, and motivation during exercise. Why not practice what I preach?

Well, the marching band geek in me began to take over and I noticed that I changed my pace to match the tempo of each song. I’d be barely moving for 80’s power ballads and flying for driving alternative songs. While there is something to be said for interval training, I don’t think this was what they had in mind! I finally broke down and bought a separate smaller iPod for running (and have recently transitioned to a Sony Walkman) and put only those songs that matched the pace I wanted to maintain and had words which motive me to keep running even when I’d rather take the shortcut back to Starbucks.

Even with all of my education and experience as a music therapist I questioned how much the music helped with my running. To test this I started running with other groups. They ran at about my general pace and were very chatty on the trails. Wow! What a difference! I found that I struggled with my breathing more, was less motivated to push to the next mile, and was generally miserable by the time I finished. While I enjoyed their company, I found that running did not bring the same satisfaction that I found while running with music. There is truly something to be said about a favorite or motivational song coming on at just the right moment during a long run!

Here are my experienced music therapist, but novice runner recommendations for using music on a run:

• Choose songs that make you want to tap your toes or get up and dance. It shows that it is motivating to you.

• Listen to the words. I realized during a ten mile run that a song that I like has horrible lyrics for trying to endure two hours of running. Nothing says hang in there and cross the finish line like a song that talks about giving up or being depressed!

• I like to have at least a few songs where I know all of the words. I know it sounds crazy, but I generally do not know the words to the songs I like. Being able to “sing” along while I’m running can really help me stay focused and even help with my breathing. Being a music geek can help in that my music brain does not shut off the thought of phrasing for breathing.

• Pay attention to the speed of your songs. If you are like me, the tempo of the song can completely alter the pace at which you run. If you can not separate your movements with what you hear, find songs which match your current pace. Through practice I’ve been able to separate the listening and moving parts of my brain, but I’ll still find that a great tune at a faster tempo will put some spring in my step and increase my pace.

Remember that these are only my “live and learn” suggestions and ideas that I’ve found through trial and error on the road and research through music therapy. The best thing to do is find your own way and your own selections. Happy running!

©R.Wellman 2011

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Comparing the Cost of Credit

Credit is obtained by making a promise to pay in the future for something that you receive in the present. Credit makes things convenient. Credit can allow you to make purchases and still have some free cash available to do other things with.

There are many strings attached with credit and we should borrow responsibly. Credit does cost money and in addition to that, the amount borrowed must be paid back.

When considering applying for lines of credit, the first step should be determining whether or not you can afford it. You should always shop around for the best terms.

There are two laws that will help you compare credit costs.

Truth in Lending – Truth in lending requires that lenders give basic information about the cost of buying on credit or taking loans. This information should help you shop around for the best deals.

Consumer Leasing – Consumer leasing is a disclosure that will help you compare the cost and terms of various leases, and also the terms and cost of purchasing cash or credit.

Finance Charge and Annual Percentage Rate (APR)

The cost of credit may vary from lender to lender. Remembering the two terms, you can make a comparison of the credit prices. By the Truth in Lending law, a lender must tell you the finance charge and the annual percentage rate.

The finance charge is the amount you pay to use credit. It could include interest costs, service charges, credit related insurance premiums and other costs.

If you were to borrow in this example $100 for a year, the interest accrued may be $10, and a service charge of $1 was added, the finance charge for this loan would be $11.

The annual percentage rate (APR) is actually the percentage cost (or relative cost ) of credit per year. This is the key to comparing credit cost, regardless of the amount borrowed and the time you have to repay it.

If you were to borrow $100 for one year and pay a finance charge of $10, you would be paying back $110 at the end of the year. The APR that you pay on this loan would be 10%.

All lending institutions, stores, car dealers, credit card companies and other finance companies have to state the cost of credit in the terms. The finance charge and the APR should be easy for the consumer to find. This information must be shown before a credit contract is signed or a credit card is issued.

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Is Life Insurance For Elderly People Necessary?

Life insurance for elderly people is probably a different experience and for different reasons than for someone younger. Necessities may be different. However, the end result is the same. A tax-free death benefit will be paid to a beneficiary upon the death of the insured.

Who are the elderly?

The dictionary defines the word elderly as someone of advanced age; old; of or relating to persons later in life.

It’s a pretty unclear definition. It’s probably safe to say the definition of today’s elderly is the same but the person who fits the definition has changed. People live longer. It used to be people were elderly at 60.

Being 61 as I write this, I beg to differ with that.

However, whatever the definition and whoever the elderly actually are, one thing is for sure. Most insurance companies do not issue a life insurance policy on anyone over age 85.

Why have it?

There are bound to be final expenses that will probably include burial. Final expense life insurance is designed specifically for that reason. The death benefits of the policies generally range from about $2,500-$35,000. They are often simplified-issued policies which mean the qualification process will not require a blood and urine exam and/or a medical exam.

An alternative is to purchase a single-premium-whole-life policy (SPWL), guaranteed whole life insurance. A lump sum is paid for a specific death benefit that is determined by the insured’s age and health. It’s a paid-up policy.

There are also those who have amassed a sizable estate and who want to leave a legacy or several legacies either to their kids, their grand-kids, or a charity. Perhaps the cost of burial and other final expenses are not a concern.

Life insurance proceeds paid to a named beneficiary bypass probate. As a result, someone can designate a certain amount or certain amounts of money for one or more beneficiary. If estate taxes are an issue, insurance can be used to pay the tax.

It depends on the amount of someone’s estate and needs, as well as how much estate planning has been done.

Regardless of age, the need and/or benefit will be based on the situation or scenario. It’s not a one-size fits all.

If they’re already covered

If someone owns a permanent policy, especially if they’ve owned it for several years, it may make sense to make use of the accumulated cash value.

It’s possible that there is enough cash value accumulated that they can stop paying premiums and use the cash value to pay the premiums and/or borrow against the policy.

The death benefit is all the collateral needed to secure the loan. When death occurs, outstanding loans are deducted from the death benefit and the remainder is paid to a beneficiary.

The bottom line is if the insurance is in place, especially if it is in the form of paid-up policies, there is no reason to worry. Just enjoy the rest of your life.

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How To Write A One-Page Business Plan

If you own a new business or are just starting one, you would have probably been told that you need a business plan. While this is essential, most business plan templates call for a multipage document that is time-consuming to put together. Time that you could spend actually working on your business. And more often than not, the end result is a collection of theoretical details that most business owners hardly look at again.

So here are seven steps toward creating a one-page business plan that only requires you to spend time on the really important aspects of your business.

STEP 1: DECIDE WHAT YOU WANT YOUR FUTURE TO LOOK LIKE

What do you want your business to look like in 12 months? What annual income do you need to earn? Do you want a 6-figure business, a business that will eventually replace your income or a part time business?

This step is about creating and writing a vision that is authentic to you. One that articulates your true ambitions, desires and purpose. It is not about what you think you should want. Keep it simple, visualise freely and write your vision in the present tense as if you are already living it.

STEP 2: DECIDE ON YOUR DESIRED ANNUAL REVENUE TARGET

What would you like to earn in a year and how many clients you would like to see over that timeframe. Then work backwards to calculate your hourly value.

Say your annual revenue target is $100,000 and you would like to see 20 clients a week for an hour each. Your formula should look like this:

20 clients x 52 weeks = 1,040 clients a year

$100,000 ÷ 1,040 = $96 per hour (This figure will increase when allocating any non-revenue time such as annual leave)

If you manufacture or sell a product then work out how many products must be sold and how much time needs to be invested to achieve those same results.

Next, run a reality check. Based on the previous calculations, ask yourself whether you are prepared to work that many hours or weeks in a year. Be realistic and do not forget to schedule in recreation or vacation time.

Say you now decide you only want to see four clients a day over four days a week for one hour each in order to have four weeks of annual leave. Your formula would look like this:

$100,000 ÷ 48 working weeks = $2,083

$2,083 ÷ 16 clients a week = $130

This shows that your annual revenue target of $100,000 is still achievable if you rework your fee structure or pricing strategy.

STEP 3: DECIDE ON YOUR UNIQUE SELLING POINT

It is important to communicate to your potential client why they would want to choose you over your competitors. They must be able to clearly see a non-monetary difference otherwise they will make a choice based on price. In other words, what is your unique selling point or USP? This could range from a niche service you offer or the extent of your services to your branding or the strength of your credibility.

STEP 4: IDENTIFY THE STRATEGIES THAT WILL HELP YOU HIT YOUR TARGET

Move your focus from short-term goals to a strategic vision that enables you to choose and correct the direction of your course with ease. As long as you are clear about your purpose and future (Step 1), you will be able to write a solid list of strategies.

STEP 5: IDENTIFY WHAT YOU NEED TO STOP DOING

What activities are a waste of your time or energy, and are out of line with your new strategy? Perhaps it is certain administrative tasks, which can be assigned to an assistant whose hourly value will be lower than yours. That will free you up to meet clients. By identifying what you need to stop doing, you will also get clearer about the strategies you need drive forward.

STEP 6: QUESTION EACH NEW TASK OR ACTIVITY

Before starting any new task or activity, ask yourself this question – Is this moving my business forward or is it a distraction? Quite often we hear out about a new marketing strategy someone else has embarked on and get distracted from our own vision, strategies and plans.

STEP 7: CONDUCT A QUARTERLY REVIEW

Review the first six steps every quarter to ensure you are on track and to evaluate whether each strategy is working as planned. A quarterly review allows you to catch anything that is not working early on and make a decision one way or another.

Also remember that your business plan is a guide. It is not set in stone. Circumstances and priorities change with time and regularly revisiting your plan will help you make the necessary tweaks to keep your business on course.

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Traumatic Brain Injury – Ayurvedic Herbal Treatment

Traumatic brain injury (TBI) is an injury caused by an impact to the head from direct blows or sudden body movements. Diffuse axonal injury involves widespread injury to the brain instead of localized damage, and constitutes one of the most common types of TBI. This condition can result in severe physical, cognitive, behavioral and emotional deficits.

The acute phase of TBI, when the patient is unconscious or critically ill, is best managed in intensive care. Ayurvedic herbal treatment can be initiated once this critical phase has passed, and the sooner treatment is started, the better will be the overall results. Treatment is aimed at healing the damaged nerve cells, improving neuromuscular coordination and treating the physical, cognitive, behavioral and emotional difficulties that result from TBI.

Medicines like Maha-Vat-Vidhvans-Ras, Vat-Gajankush-Ras, Bruhat-Vat-Chintamani, Vish-Tinduk-Vati, Agnitundi-Vati, Kaishor-Guggulu, Trayo-Dashang-Guggulu, Abhrak-Bhasma, Trivang-Bhasma, Amalaki (Emblica officinalis), Guduchi (Tinospora cordifolia), Kuchla (Strychnos nuxvomica), Ashwagandha (Withania somnifera), Haridra (Curcuma longa), Yashtimadhuk (Glycyrrhiza glabra), Mandukparni (Centella asiatica), Bala (Sida cordifolia), Naagbala (Grewia hirsuta) and Shatavari (Asparagus racemosus) are used to normalize nerve and muscular function.

Medicines like Brahmi (Bacopa monnieri), Jatamansi (Nardostachys jatamansi), Shankhpushpi (Convolvulus pluricaulis), Vacha (Acorus calamus), Jayphal (Myristica fragrance) and Sarpagandha (Raulwofia serpentina) are used to treat cognitive, behavioral and emotional problems. Medicines like Maharasnadi-Guggulu, Nirgundi (Vitex negundo), Rasna (Pluchea lanceolata) and Tagar (Valeriana valichii) are used to control pain and muscular spasm.

The entire body is massaged using medicated oils like Maha-Narayan-Oil, Chandan-Bala-Laxadi-Oil, Bala-Oil, and Saindhav-Oil. This is followed by medicated steam fomentation using Dashmool-Qadha or Nirgundi-Qadha. These procedures are believed to strengthen muscles and stimulate the nervous system. Modified massage procedures like “Pinda-Sweda” and “Pizichil” can also be used for specific situations. Some physicians advocate the use of medicated enemas called “Basti”, which are believed to regulate the “Vat” dosha and normalize nerve impulses.

It should be kept in mind that the response of patients to treatment can be highly unpredictable. Sometimes, patients with severe injury and an apparently major nervous system deficit make a dramatic and early recovery, whereas other patients who are comparatively not as handicapped take a longer time for improvement. Nevertheless, all patients do benefit from herbal medicines and Ayurvedic treatment procedures.

Ayurvedic herbal therapy can thus prove to be a valuable treatment modality in the management of TBI. Speech therapy, physiotherapy, occupational therapy, recreational therapy, and counseling needs to be given as required. Ayurvedic medicines can help shorten the duration of treatment and improve the extent of recovery in TBI.

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Keeping The Mother-Son Relationship Healthy

Throughout the history of Mankind mother-son relationships have been considered special. Many women say that having a son gives them a sense of completeness. One woman affirmed, “It is as if through him I have found the missing part of me.”

Patriarchal societies place greater value on sons. At times ‘male child-centeredness’ can become obsessive. In India, special rituals are held to invoke Divine intervention in granting a son. Sons are required to maintain lineage, to care for parents in their old age and ensure the salvation of souls after death. As such, boys receive preferential treatment, with best of food, health care, education and protection. This ‘son- preference’ has led to extensive female foeticide in several countries, resulting in a skewed sex ratio.

Researchers of Richmond University in Virginia found that women develop a set of ‘maternal neurons’ that operate like ‘bad mother’ or ‘good mother’ switches in the brain. These clusters of brain cells created during pregnancy and switched on after birth, are responsible for good or bad parenting. A certain number of neurons have to be switched on for ‘good mothering’ to take place.

A team at Yale University uses brain scans to study areas of the brain that drive good or bad mothering. Dr. James Swain says, “We have identified certain areas of the brain where there is a link between neuron activity and measure of ‘adequate’ or ‘inadequate’ parenting.”

So far no one has come up with a scientific explanation why a mother loves her son more than her daughter. Evolutionary biologist Richard Dawkins in his book “The Selfish Gene” suggests that this maternal devotion is a selfish strategy to ensure her genes live on. She knows that after a certain age, she cannot reproduce. So she protects her male offspring as he will eventually spread her gene pool.

When a mother has this protective love for her son she becomes fiercely protective of his life, crippling his emotional growth and tying him to her apron strings as ‘Momma’s Boy.’ This tendency has been documented even from Biblical times in the story of Rebekah, who encouraged her favourite son Jacob to steal his brother’s blessing through impersonation. But she had to suffer heartbreak as he was separated from her for many years, to protect him from Esau’s fury.

The Greek mother Thetis dipped her son Achilles in the magical River Styx, to make him invulnerable. But of course she left him with an unprotected heel.

Just like mother-daughter relationships, close mother-son relationships are important in the early formative years. Infants begin to show distress when separated from their mothers. But every mother should bear in mind that this is only a temporary phase. Physical distancing should start early in the case of a boy because of the erotic potential of such a bond. Mollycoddling is harmful to the emotional health of both mother and son.

The Oedipus Complex is a well known phenomenon. It is based on the Greek myth in which Oedipus considers his father a rival for his mother’s love. So he kills him and marries his mother Jocasta.

The period between 18 months and three years is when a child becomes aware of his own sexual identity. He develops a concept of himself by exploration of his own body. Between three to five years, libidinal and ego development takes place. This can well be defined as the Oedipus phase, when a child has the desire to possess his mother, and even begins to see his father as an opponent. This is a passing phase, and a wise mother will gradually wean him away from such feelings until he begins to identify with his father.

Reasons for a mother’s abnormal feelings:

• When a mother has experienced abandonment from her father in her own childhood, she may be overprotective of her son, to compensate for those feelings of abandonment. She wants her son to remain in that oedipal phase for her own fulfillment. Sons cannot be surrogate husbands or fathers; neither are they playthings for her pleasure.

There are many great men who have suffered due to this over-protectiveness. Andrew Carnegie’s mother made him promise that he would not marry until she died. It must have been a frustrating experience. He eventually married one year after her death, at the age of 52.

Dwight Eisenhower also had an obsessive mother. Once when he was quarantined for Scarlet Fever, she used a ladder to climb up and see her son daily through a window.

However, a mother who suffers abandonment from her father in childhood could also experience difficulty in bonding and become abusive to her son.

• If a wife’s emotional needs are not fulfilled by her husband either because of his career, or his inconsiderate nature, or due to infidelity, she may turn to her male child. She may shower him with kisses or cuddles or verbal professions of love. This form of ’emotional incest’ seeks to alienate the father from her son’s love. Actual incest is not ruled out.

• Single parents either unmarried or widowed, may also show overindulgence and overprotection of their male children, to compensate for the lack of a father.

Destructive Effects of such Dysfunctional Relationships:

On the Child:

1. Over-dependence on mother leads to stunting of emotional and mental growth. He is unable to face life’s challenges, has behavioural problems and is often considered a ‘sissy.’ The mother does not want her son to grow up and plans to keep their relationship exclusive.

2. Inability to maintain healthy relationships with others. This may even damage his sexuality and destroy his ability to have a happy partnership. He will avoid commitment. If he marries, it may end in divorce due to constant interference by his mother. He will not have the courage to stand up to her and protect his wife from constant bullying by his mother.

3. A manipulative seductive mother and a passive distant father can turn the boy into a homosexual.

4. Smother love can prove to be a dangerous emasculating attachment, rendering the son sexually dysfunctional.

On the Mother:

1. A woman who transfers her time and priority to her son will lose out on her husband. There will be a lack of intimacy and many sexual problems. Her husband will begin to look elsewhere for his fulfillment. He might become a workaholic or forge extramarital liaisons or indulge in drinking or gambling.

2. A mother whose life revolves around her son is lulled into a subconscious assurance that he will never leave her.

3. An incestuous relationship may develop. Inappropriate feelings for her son is a form of child abuse and can be demoralizing.

How to maintain a healthy mother-son relationship:

• Respect your son’s personhood. Treat him with deep respect and help him develop his personality.

• Raise your son to be a well balanced human being mentally physically and spiritually. ‘Smother love’ kills. So don’t hold on too tightly.

• Define healthy boundaries and know when to physically distance yourself.

• Parenting is a joint venture. Fathers must not be excluded from the relationship. They too should be allowed to bond with their sons. Parental responsibilities involve equipping them with strategies for living such as respect for elders, respect for the opposite sex, discipline, love and good example. The aim should be to foster maturity, independence and self reliance in adulthood.

• Do not neglect your husband. Take time off from mothering for ‘togetherness’ with him. Talk, care, and be intimate. Let your love for each other grow as you share responsibility for his rearing.

• Be a good and worthy role model. Let him learn from you how to respect and treat his wife when married.

• Always remember that the child is not your husband. So don’t force adult responsibilities on him.

• Change your focus. Use some time to care for the needs of your other children. Find new activities to keep your mind off your son.

• Pray and ask God to give you the wisdom to handle your emotions with responsibility and self respect.

As the feminist Naomi Lewinsky said, “We shouldn’t need our children. We shouldn’t merge with them except when they are infants. We shouldn’t let our messy feelings leak all over our children’s development. We should raise them to become separate individuals.”

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How to Choose the Right Contractor?

There are many different kinds of contractors present to help you out in starting your home investment project.

Each of these kinds has their own set of specialties or skills that you can choose from, depending on what specific type of job you want to achieve. Some other contractor firm forms a group wherein you can easily consult because on their wide varieties of specialists or called as subcontractors whom you can directly inquire depending on what type of job you’re looking for. Choosing the right contractor can save you a lot of energy, time and money. It also enables you to do extra things to make your home investment a perfect one. If you still don’t know what specific type of contractor you would be choosing here are a few examples:

The Builder

This type of contractor is a specialist for a large renovation type of work or providing extension jobs. They usually hire or incorporate other various subcontractors to perform and execute jobs evenly according to their specializations. They usually provide a site foreman to the project in order to monitor each worker and manage as well the whole building process. They have a usual contractor fee of $250,000 per project.

The Supervised Trades Groups

This type of contractor is a specialist for smaller building projects, like home maintenance and home repair. They are the ones who manage tasks from a minor one to a mid-size renovation type of jobs without any architect on site present. This is the type of contractor you would be choosing if you need expert supervision and multi-trade knowledge are required.

The Individual Tradesman

If you know what specific work is required, can communicate your needs and can supervise the completion of your project, you can employ an individual tradesperson when the task is small. By this you can easily pinpoint directly to your contractor the problems and needs you want to achieve or to be removed. Some other home investors may hire several tradesmen for a certain project, in order for it to be accomplished earlier. Hiring more tradesmen may require you to apply for an Owner Builder permit and should also check with a local Building Surveyor or a related Council.

An old-fashioned way and still considered as the best way to acquire an appropriate contractor would be seeking out recommendations and various information from someone you trust regarding to what type of work are you planning to execute. Nowadays, finding someone who can answer your problems is not that hard because of the presence of television advertisements, trade associations and building websites in the internet. It is advisable to use your judgement skills towards people but should also seek written work-related references and monitor each of your choices.

Try asking yourself later on, what qualities do I need for a certain contractor? From this you can assess each and every step you make in finishing your project by carefully choosing the appropriate contractor to fit in. Try a matchmaking technique of the contractors to the type of project you want. Then try to choose a contractor that can communicate to you and can listen to your suggestions and recommendations. The contractor staff and together with the choice of subcontractors are the ones who are critical to the success of the project, therefore one should have a ready access to these people and can pick up workers easily when the project has been granted to have its operation.

As points to remember in choosing the right contractor for your home investment project, always choose a contractor that has a good reputation when it comes to this type of project or job. Avoid contractors that are too “dubious” in behaviour. A contractor with an excellent public profile or experience is a very good choice because they won’t do anything risky to damage their reputation by means of inferior workmanship. Arrange properly the price both parties agree on. In most cases having a low contract price may cause poor quality of work or an incomplete job. Never turn a pizza into slices wherein you can swallow it wholly. If you can afford to pay the right price for contractors then do it.

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A Common Misconception About Object-Oriented Programming

I’ve seen it time and again. A computer programmer proudly proclaims, “Yeah, my code is object-oriented. See? My data members are all private, and they can only be reached through public member functions. That’s what being object-oriented is all about.” I’ve even heard this kind of drivel come from the mouths of Computer Science graduates-people who have presumably studied object-orientation in the classroom, or who would have had ample opportunity to educate themselves.

Scholars may quibble about the fine points of object orientation; however, one thing is for certain: merely having private data and public functions does not constitute a proper object-oriented design. Rather, proper object orientation entails much more.

One of the most basic elements is information hiding. This means that objects should only present the information that needs to be seen; that is, it should present a coherent and well-selected interface of functions-one that does not betray the data contents and internal workings of the class. In other words, the manner in which the functions are implemented remains hidden from the user, allowing the developer to alter the implementation as needed. (Some also refer to this as “encapsulation,” whereas others state that encapsulation is merely a means for hiding information. I lean toward the latter view; however, for the purposes of this article, this distinction is unimportant. Suffice to say that information hiding is a key element of object-oriented design.)

When a programmer declares that his code is object-oriented by virtue of having private data and public functions, he is placing the cart before the proverbial horse. Using private data and public functions is merely a means of achieving information hiding; it is not a goal in itself. For example, consider a design in which every single data member has corresponding “get” and “set” accessors (e.g. a data member “x” would have matching “getx()” and “setx()” functions). In this example, information is poorly hidden, since the choice of functions (indeed, their very names!) betrays the manner in which the data has been implemented.

Inheritance is another key element; that is, specific classes are to be derived from more general ones. Inheritance is a means of implementing abstraction; that is, it allows the user to identify objects with common characteristics, and which should therefore use common code (or at the very least, common interfaces). This is part and parcel of thinking in terms of objects, as opposed to thinking primarily in terms of functions and procedures.

Yet another key characteristic is polymorphism, which allows a descendant object to override its parent’s member functions. With polymorphism, a descendent object does not have to respond to a message exactly as its ancestor does; rather, it can have its own implementation. Note that the descendant objects do not have to override these functions; rather, they should simply be allowed to do so, as needed.There is much more that can be said about the nature of object orientation; indeed, scholars often contend over its precise definition and its principal ideas. Whatever the case though, the point remains: merely keeping private data and a set of public functions does not constitute an object-oriented design-not in any meaningful sense of the term.

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How to Use Songs For Teaching English

ESL teachers can use songs for teaching English to their students with great success. ESL songs can bring energy to the classroom, boost students' confidence, and provide a much needed active learning experience for younger students who may become easily bored or distracted. They are great for adding motivation and excitement to your classroom routine!

Integrating Language through Songs

Children hear whole sentences when they listen to songs; this helps them learn and remember words and phrases as they subconsciously pick up on grammar and syntax. It leads them to naturally use their new vocabulary in context instead of isolated syllables or words.

Repetition Through Songs

Songs that 'get stuck' in your students' heads lead to a constant cycle of learning – the more they hear the song and think about it, the easier it will be for them to learn all the words and their meanings. Songs are a great and exciting alternative to standard reading comprehension, as they allow the child to become actively involved.

Better Classroom Management with ESL Songs

English songs can also help calm an excitable or disruptive class – just put on the music and you will be amazed at how quickly children will settle down. They can also bring new zest for life and confidence to a group of struggling and overwhelmed students. Simply announce a singing time, and see students light up with interest.

Songs for Teaching English Cover all Learning Styles

Language is one of the most complex subject, and English s one of the most complex languages. Songs help teachers appeal to a wider array of learning styles:

Auditory learners easily learn from songs – the rhythm and phrasing provide the perfect vehicle for teaching vocabulary and pronunciation, as well as delivering the words in context.

Kinesthetic and tactile learners can benefit from actions added to the songs; work with the melody, rhythm and lyrics to provide actions that will help these students absorb knowledge in a way that makes the most sense to them.

Visual learners can be aided by story pictures or vocabulary flashcards relating to the song, as well as by watching the other students and joining in on the actions that match the different words.

Songs Build Confidence and Make Learning Fun

ESL songs give children the chance to learn at their own pace within the group – instead of being singled out, they can listen and participate at their own speed, joining in when they can and learning from the group around them. They can feel comfortable since everyone else is also concentrating on the lesson, and will slowly build up the courage to add new words to their vocabulary and work on their pronunciation naturally.

The fact that songs are fun means that your students will be motivated to work harder in anticipation of singing time. Singing is an energetic activity which will easily capture students' attention, particularly if hand and body motions are implemented.

Songs can be great memory aids; the melody and motions make it easier to remember the words, and the context provided aids in correct use of grammar and syntax. Songs have an uncanny way of 'sticking in your head', and in the case of English learners, this is a wonderful thing.

Obstacles to Using Songs for Teaching English

Many English songs are far too fast paced and complex for use as a teaching tool. If the words are spoken so fast that the children cannot differentiate between them, it will take too many repetitions to try and decipher the lyrics, leading to frustration and defeat.

In addition, the average English song has too many words to realistically learn, and the words will vary widely in difficulty. If the words are too hard, you have the same problem as stated above – playing the song over and over while the students become restless and overwhelmed.

One more obstacle is that many popular English songs contain content which could be inappropriate for children or might be offensive to different cultures. So how do you overcome these obstacles?

Choosing and Implementing Songs for Teaching English

Finding the right songs to use in your classroom is critical. Ones with too many words, a melody that is too fast, or context that is difficult to understand will only confuse your students. This will completely destroy any positive benefits songs could have and demoralize your students as they will fail rather than succeed.

What you really need is songs which have been tailor-made for teaching ESL. Save the run of the mill English songs for background music while you do other activities or games, and pick something repetitive with simple words and phrasing for sing-along time.

You can begin teaching vocabulary with flashcards. This is a good approach for small children (3-4 year olds). Once they start to recognize the words, you can introduce the key grammar and begin using the new vocabulary in the context of sentences and / or phrases.

Move on to playing listening games to practice the vocabulary. Even if your students may not understand all of the words at this point, previews like this will gradually move them from simply 'hearing' to actively 'listening' and will help when the time comes to listen to the song attentively for the first time.

Use language games to help you focus the children's attention on particular words. They can run and jump on a flashcard of a noun when they hear it in the song, or clap whenever they hear a word out of a group of words which have been pinned to the wall.

Take it slow when using songs for teaching English, especially with younger and less experienced students. Play the song two or three times then shelve it until the next lesson. Break the song down line by line or phrase by phrase until you fin the level your students are comfortable at, then gradually build on each line until you have an entire verse learned, then the whole song. This may take several lessons.

Make up actions to go with the words and implement them into the song. Your pupils can be a valuable resource here – children's imaginations hold a wealth of inspiration! With primary students, once the song has been learned it can be performed then set aside for occasional revisiting. The lyrics can always be used later for spelling, reading and writing activities.

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What Kind of Cash Advance Lenders Are The Best Choice For You?

When multiple unexpected costs filter into your life, it’s easy to fall short on cash. During a money shortage, it would be great to have that money tree in the backyard. Unfortunately, the parental sarcasm of going out back to pick from the money tree was just that, a joke to pacify a whining child. The truth is that we can’t have everything we want when we want it, even if it does come in emergency form. How do you get the necessary quick cash? If you have a savings account to pull from, your needs are easily met. When credit cards and safe cash advance lenders are used to borrow from, emergency expenses will receive the necessary funds, but the final cost may end up overpriced.

If you can pay the full amount used on a credit card within 30 days of charging, you will not have to pay a finance charge. This opportunity is best if you are credit worthy and have room open on one of your cards. It is always best to save at least one credit card for these types of emergency expenses.

When credit card cash advances are used, your interest charge begins the moment you take out the cash. If an ATM is used, there is often a fee charged by the machine unless you use one affiliated with the card then it is free. Some credit card companies will charge a flat rate user fee and then begin charging interest. Interest rates for cash advances are much higher than those used for purchases. It is important to understand the terms and services of the ATM machine being used as well as the creditors as it pertains to cash withdrawals. The amount available for cash withdrawal is not the exact match to amount available for purchases. Creditors will only allow you to borrow a small fraction of the available balance. If you are going to use credit card cash advances, it is important to pay the money back as soon as possible to avoid full interest charges.

When working with a direct short-term cash advance online lender, the money is serviced differently. Instead of having the cash given to you through a machine, it will be directly deposited into your bank account on the next business day. Loans are based on your monthly income and any set restrictions for the state you live in. Finance charges of any kind should ever be paid for before the original due date. If a lender is asking for money upfront, move on to a different lender. Online searches will give you ample amount of direct lender names; comb through them searching for responsible practices. Those people with credit challenges tend to use a direct lender’s services due to the no credit check policy. The payoff term averages 14 days, so it is important to get it paid off on the first one. The finance charge is a lump sum whether you pay it off early or not. Do your best to put the expense behind you so it eats at less of your income. This service works great when choices are limited and you have the money to pay if back on time. It’s a short-term loan, so keep it that way in your budget.

There are secured loans for those who are extremely limited. Personal property used for collateral will bring instant cash. Only receive a small fraction of the resale value will be allotted. Understand the terms and condition of the loan. If the borrower does not comply with their responsibilities, the collateral will be sold to pay off the loan. Depending on the value of the property or personal value for it, these loans are extremely pricey.

Whether you are going to borrow from a credit card, a cash advance online direct lender or use personal property as collateral it is important that you only take out what is truly needed. Avoid overuse in order to limit loss. The final price tag should remain cost effective so as not to create additional budget problems once the payoff is due.

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