Por /By Diane M Nickerson, MS Ed.
School Founder and Director,
Castle Island Bilingual Montessori
53 Bradford St,
Albany, NY 12206
(518) 533-9838
[email protected]
Mrs. Romer, my third-grade teacher, gave a brief description of the parts of speech: noun, verb, adjective; then asked us to list as many examples as we could for each category which she wrote in brightly colored markers, a different color for each part of speech, on large chart paper. I do remember the colors which pleased my eye.
What makes me remember this entire lesson, however, was when she had the class stand up from our seats to perform the actions of the words we had listed on the “Verbs” poster: jump, skip, walk, stand, dance… Together we
moved. The children of the class jumped. We skipped. We walked in a circle around the classroom. We stopped and stood. We danced!
The whole article HERE
Por / By Maria Alejandra Rojas, Community Manager
Ulster Savings Bank
(845) 338-6322 ext. 3311
Debt part 3
Refinance and debt consolidation
Continuing another article related to debt, I want to share some information about two strategies that can help you better manage your financial obligations: refinancing and consolidation.
- Refinancing means replacing an existing loan with a new financial
obligation that offers better terms: a lower interest rate or lower monthly
payments.
- Consolidation means combining several debts into a single loan with one
monthly payment, often at a lower rate.
These options can save you money and reduce financial stress, let’s remember that financial empowerment path is about being in control of your finance. Both strategies require careful evaluation, there can be cost associated.
Finally, there is a “last” legal solution call Bankruptcy is used only when debts cannot be repaid, you have to keep in mind that it can impact your credit for years.
Always consult with a financial advisor before making any decision.
VIDEO ENGLISH