BANKRATE: GUIDING YOU THROUGH LIFE'S FINANCIAL JOURNEY
As mortgage rates remain low, millions of Americans are interested in buying homes. To help accommodate this increase in demand our experts at Bankrate compiled a list of the best mortgage lenders for low credit scores. This guide walks readers through the different types of home loans and which one may be right for you based on credit score and financial preparedness. Click here to find out which program is right for you.
Step 5: Planning For Funding
Recently, I covered the 5 steps to becoming a mompreneur. I mentioned that as your business grows, you’re going to need capital for things such as an office, a staff and other business tools. Before you venture out to search for a lender, you’ll need to make sure your credit is in good condition. This might mean you have to repair your credit. The better your credit score, the more appealing you look to lenders when the time comes to request a small business loan. If you need to repair your credit, look into reputable companies that can assist you in the process.
You also need to know know how credit repair companies work. Some companies have been known to overpromise and underdeliver, many have been accused of being scams. To avoid credit repair scams you need to research different companies, read FTC recommendations, BBB ratings, and consumer reviews.
Image via Pexels
Find more insights and updates at the Grow with STEM blog!
Carl Sagan once said, “Every kid starts out as a natural-born scientist, and then we beat it out of them.” It's true that conventional teaching methods do little to inspire a love of science and technology. A focus on rote learning not only limits students' understanding of science and math concepts, but it also contributes to waning STEM interest as children progress through school.
Getting students to stick with STEM requires a new approach. Here's what teachers can do to foster a love of science and technology in young learners.
Getting Comfortable with STEM
Before educators can instill STEM confidence in students, they need to get comfortable with STEM themselves. Elementary school teachers often feel apprehensive about teaching science and technology due to a lack of strong background in the subjects. A variety of STEM professional development courses cater to elementary teachers seeking to expand their STEM literacy. The most effective programs combine professional development with new curriculum materials.
Advanced teaching degrees also give teachers the opportunity to specialize with master's degree programs in science and mathematics education. With online degrees, current teachers can reap the benefits of an advanced degree without putting their careers on pause.
3 Rules for Effective STEM Education
What makes STEM education stick? By following these simple rules, educators can design STEM lessons that emphasize creativity and critical thinking rather than content expertise.
Tips to STEM-ify Your Curriculum
How can teachers find time to foster creativity and experimentation when there are standards to meet? By building STEM education into everyday classroom materials.
STEM Lesson Plans and Teaching Resources
Looking for fun ways to bring STEM into the classroom? These teacher-recommended resources are full of great ideas to enhance your STEM curriculum.
STEM Books for Students and Teachers
Books are a great way to build the connections between science, math, engineering, and kids' everyday lives.
STEM careers are the future, but students won’t pursue STEM if it’s introduced in a way that’s difficult to engage with or understand. By rethinking your approach to STEM education, you can nurture a generation of students with the skills, passion, and confidence to succeed in STEM.
#STEM #Education #STEMEducation #TeachingResources #Curriculum #Science #Technology #Engineering #Math #STEMResources
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If you have a special skill, invented something, or just have a passion for helping others, you may have considered becoming a “mompreneur” – a stay-at-home mom who runs a business. It can be a great way to make money and save on child care.
How do you start? These four steps, courtesy of Grow With STEM, will help you to go from business idea all the way to successful business.
Step 1: Find Your “Why”
Why do you want to start this business? It’s important to get to the heart of this question. Many people say “to make money” but really, that’s your “what” –the result of your hard work. Your “why” is your purpose, for example, helping other moms start their own businesses or advocating for children’s education. Inc. recommends looking to your strengths and thinking about what you would love to do if money were no object.
Once you find your purpose, look at your skills, talents and experience to see how the two align. For example, if you are passionate and knowledgeable about healthy living and like to engage with others, you can become a nutrition coach.
Once you’ve decided on your path, make it official by selecting a business structure and registering with your state. Many people choose a limited liability company, or LLC, for example. It’s a popular option, thanks to the protection it provides your personal assets. It also offers tax advantages and can grow as your business grows. Consider filing through an online service since they will save you looking up the legalities involved.
Step 2: Finding The Best Business Model For You
What’s the difference between a business and a business model? A business is centered on the product or service you are selling. A business model is how you sell it. Here are some business models, as explained by Investopedia:
You can also provide a service like bookkeeping, become a travel agent, or open a subscription service. Online consulting is one of the easiest and most affordable ways to get started in business. However, having multiple business models will allow you to build multiple streams of income.
Step 3: Getting Your First Clients
Your first clients may be friends, family and acquaintances. This is great if they are willing to pay full price and if they need your services. Otherwise, you may want to heed this advice from The Balance: Think about your fourth client first. Taking that longer view can ensure that you “put the marketing and consulting fundamentals in place that will secure your future as a consultant.”
Step 4: Marketing Your Business
The best way to build your business is with solid marketing. Here are some tips that will help you get started without breaking your budget:
Step 5: Planning For Funding
As your business grows, you’re going to need capital for things such as an office, a staff and other business tools. Before you go out looking for a lender, you’ll need to make sure your credit is in good condition. This might mean you have to repair your credit. The better your credit score, the more appealing you look to lenders when the time comes to request a small business loan. If you need to repair your credit, look into reputable companies that can assist you in the process.
Balancing Work And Family
This is going to be a challenge but you also need to make sure your family respects your work time. This means finding a space (preferably with a door) for your office and setting regular work hours and providing your kids with appropriate activities like board games or school work. Balancing work and family can be challenging, but with the right tools, strategies and motivation, you can do it!
Starting a home-based business is the dream of many stay-at-home moms. When you know your purpose and are dedicated to your dream, with hard work and dedication, you can build a successful legacy for your family. Look to Grow With STEM for more tips, tools and information that can help you and your family thrive!
Impress Us! Go Vote!
These young "would be" voters spare no excuses when it comes to voting. In this delightful, informative PSA, created by 15 year old entrepreneur Cameron Samuels, of CamSam Productions, is chock-full of sensible advice on why we should vote and the steps on preparing for the polls.
They all agree that if you don't vote, you lose the right to complain. There are no excuses! Mask up! Get out and vote!
#JackandJill #GoVote #RockTheVote #YourVoiceYourVote #Vote #GoVote #WeCantStayHome #JustVote #VotingMatters #VoteForTheFuture
A Candid Conversation with HISD Educator and Author
Afua Jones, Helping to Build a More Stable Community
Afua Jones, a Board Certified Credit Consultant, began her career in 1994 as a Credit Reporter. After years of working in the industry, she saw an undeniable need to elevate and educate her community, while giving them the necessary tools to build generational wealth. With her DIY Credit Repair Course, Jones helps people repair their own credit and start their very own Credit Repair Business!
WHAT YOU WILL LEARN:
How To Fix Your Credit
Step By Step Process (my complete Blueprint)
Access To Template Letters
How To Set Your Business Up
How To Rebuild Your Credit
Access To Private Facebook Group
Affiliate Link Options
Discount Code: Restored
You can become an affiliate without buying the course
The affiliate link option allows you to earn commission by selling this course
Click here for more information
#creditrepairbusiness #creditrespaircourse #repairmycredit #afuajonescreditrepair #creditrepair #fixmycredit #creditrepairaffiliateprogram #creditrepairaffiliate #afuajones #crediteducation #getapproved #ifixcredit #creditispower #creditrepairservices #jonesfinancialsolutions
I was looking for an unbiased, apolitical (as possible) video that would give me the 411 on current stimulus negotiations. I stumbled on this video by Ron Yates. Ron does an excellent job explaining "Stimulus 2 Talks". You may also want to grab a pen and paper to take notes on valuable tips on how to make money!
#stimuluscheckupdate #stocktips #RonYates #secondstimuluscheckupdate #investing #smartstocktips
SOW THE SEEDS THAT PROMOTE DIVERSITY, BUILD CHARACTER AND GROW STRENGTH!
As an author of children's books, blogger and anti-bullying advocate, my goal is to support and guide educators, parents and children in achieving a healthy, secure peer environment...at school, playgrounds, on the internet and wherever bullying occurs.
A Note to Parents and Educators
Go ahead and drop us a line! We are always happy to hear from you and will endeavor to answer any and all of your questions related to the various forms of bullying that kids are encountering today. We can all help to build strength, diversity and character in kids of all ages if we work together.
Dr. Cherrye Vasquez
BOOKS THAT SOW STRENGTH, CHARACTER & DIVERSITY, DBA
#childrensbooks #antibullying #booksthatsow #teachersagainstbullying #antibullyingresources #character #diversity #strength