Photography is a vast world. There are many different types of photography and many different kinds of people that enjoy it. It’s a hobby that be relatively inexpensive or one that you can invest a lot of money on. Photos are so special because they give us memories of times and places and events in our lives. We can hold onto these memories forever with a photograph.As much as people love photos, many people love taking them even more. Whether it’s a mother who takes photos at every of her children’s moments in life (first smile, first step, first spaghetti meal) or maybe it’s the father who never forgets his camera for a football or basketball game, or maybe it’s the young girl who loves nature hikes with her camera; these people are not exceptions. They all have an eye for those special moments and they all appreciate the camera’s ability to capture that moment and freeze it in time forever.- What is Freelance Photography?What if you love photography so much you wish you could do it for a living? I mean, you actually get paid for your photographs! But you work solely for yourself, selling each photo or series of photos individually. You don’t have a boss. You work sometimes on assignment and you may sell to magazines. That is freelance photography.Freelance photography may be your entire career or it may start out as something you do in your spare time but begin making money from it. It’s just like freelance writing in this sense that many people turn it into a career and enjoy the freedom of working essentially for themselves on their own time and making money doing something they love doing anyway.- How to Build a PortfolioTo start getting jobs as a freelance photographer, you need a portfolio. A portfolio will show samples of your work. Even if you have never had photographs published or publicly displayed, you can start a portfolio of your best work and then add onto it if you win photography contests or start receiving paid work.- How to Get JobsAs we mentioned, building a portfolio is the first step in submitting your work for pay but when it comes right down to it, it’s the quality of the photo that will determine if you get paid for it. Some people have more of a natural talent for taking great pictures than others but it is a skill that anyone can learn. There are schools dedicated to the art of photography and you can even get a degree in it. If you are just getting started, you can look into classes provided by your local community center or community college. Some cities have photography groups that meet to share photos and tips. There are also many groups online dedicated to photography and freelance photography.You need to view as many famous photographs as possible. Take a look at what is getting published and compare it to your own photos. This allows you to compare and learn from other’s work. It takes more than just point and shoot to get a great photo. You need to learn about focus, lighting, colors and backgrounds and much more.Once you start learning about photography and creating a portfolio, you can start submitting your photos to contests and magazines. Get a list of photography markets and start submitting to ones that accept your type of photos. Don’t expect to make it to the big times right away. Few people actually achieve this but you can start small and eventually make your way into a nice living from freelance photography.
Neo Humanistic Education
According to scientists, the human potential is really unlimited, but up to the level of civilization we now only use only one percent of the potential. If this is so, then the foremost task of education is to remove all potential possessed by every human being for every human being human whole, complete. And this is indeed the task of Neo Humanist Education, which were made in an integrated effort to tap the highest potential in every child, at any time and any place.
Neo Humanist Education provide education to all sections that make up the child, not just memorize information and stuffed to the intellect, or train the child into a robot for teachers to be happy because he would issue the desired answers.
As was said as Neo Humanist Education should be given to children from an early age. That is why Shrii P.R. Sarkar, Neo Humanist Education pioneer with the introduction of the philosophy of Neo Humanism, suggested to establish more kindergarten or Pre-School, which introduced a system Neo humanist education.
Why P.R. Sarkar did not recommend establishing more universities? It is generally recognized as a fact most of one’s development occurs at the age of below 5 or 6 years. At this age period children’s cognitive and personality structure itself which will determine the way of life to the next. Therefore, the teachers and the best facilities should be concentrated on education kindergarten and elementary school.
P.R. Sarkar said that in every person there is thirst for something infinite. One of the most important task of education is to arouse the desire for an unlimited expansion of the (science). That must be generated on each student is feeling, “I want to know or unite.” While the traditional education system is still far from this in such business. Expectations held by each of the children born were more likely to fall apart, as a result of the injustices that occur at this time. Humans began as a butterfly and ends as a cocoon.
It is time the education system is designed in such a way that does not produce people who are only half-knowledgeable, which later developed into the aggressive, confused, dissidents and frustration.
The next result, a series of social networks become increasingly damaged. Viewed as a whole, more and more teenagers who drop out of school, wandering, and lapse into the use of illicit drugs (drugs), destructive environments, exposed to venereal disease, left home, mad or committed suicide.
It’s so much money and time sacrificed to try to fix the education system. But unfortunately, many have failed, because of the attention focused on the wrong source of the problem, namely by increasing the intensity of cramming information. In many countries, reform in education means more hours and teaching materials as well as spend more on information to children who actually already saturated.
Where is busy memorizing this information has reduced the quality and dignity of human beings and destroying the lives of students. When the children viewed as a basket of its main functions to receive, store and pulled back the data and facts, then the learning process that will be mechanistic and bored students who will become aggressive and frustrated or looking for an outlet uncontrolled emotions. We need change, and it must be done now.
We first have to understand what is described by PR Sarkar, and was supported by the principles of modern physics that our presence is not just the fact that visible by the five senses, but is a continuous series of different layers of consciousness, ranging from the coarsest layer of the physical body, continues toward the layers of the ie finer psychic layers, and finally arrive at a unified field with infinite consciousness. The whole psychological layer that can be identified into 5 layers:
1. Keep your awareness (Conscious Mind): SENSING
2. Unconscious (Subconscious Mind): INTELLECT
3. The first layer Supra Consciousness: CREATIVITY
4. The second layer Supra Consciousness: INTUITION
5. The third layer supra Consciousness: SPIRITUAL
Within each of the higher consciousness that there are a wider knowledge which give more happiness, because of the higher layers of a wider scope and contain energy reserves are not playing much.
These layers are not just a theoretical conception of the psychologist, but it is a functioning level that can be experienced by everyone who practiced with great discipline to explore his soul. But unfortunately, in general people are not aware of the most important levels of the innermost soul, and we usually live with the two lower levels of conscious and subconscious layers only.
What makes the Neo Humanist Education is unique, is that the systems and methods of this education is systematically developing all layers of human existence and gradually lead the individual toward a goal that is not limited.
So Neo Humanism Education is indeed an overall education (holistic education), because in the process of education that no part of human consciousness is neglected, no aspect of human life that are not addressed. By understanding the characteristics of human existence as a whole is an educator will be easier to explore teaching methods that are better suited to the psychology students.
Neo-Humanistic Educational Objectives:
* Develop full potential of children: physical, mental, and spiritual.
* Generating thirst for knowledge and love (love) learning.
* Equipping children with academic ability and other skills necessary for further education.
* Facilitating the growth and development of the child’s personality, including morality, integrity, confidence, discipline, and cooperation.
* Developing physical and mental stamina stability through yoga and meditation, exercise and play.
* Develop a sense of aesthetics and appreciation of culture through drama, dance, music and visual art.
* Encouraging children to become active members of society and responsible.
* Increase awareness of ecology in the broadest meaning, namely the awareness of all things affiliated with each other, and promote respect and care for all creatures.
* Increase the view of Universal, free from religious differences, skin color, gender, and so forth.
* Understand the importance of the role of teachers in providing an example.
ASPECTS OF HUMAN PERSONALITY AND METHODS OF EDUCATION NEO HUMANIST
To develop them:
* Body material – development through calisthenics exercises are lightweight and rugged, subtle yoga exercises (yoga asanas), dance, and healthy food.
* Awareness realize its development through sensory-motor activities, including exercises in practical life, a supportive environment, ethics or pro-social activities.
* Awareness subconscious intellectual development through activities and use of sensory-motor games and fantasy (playway method).
* Awareness of the creative development of their own initiative and self-expression through creative art, fantasy games and drama.
* Awareness of intuitive wisdom of a smooth development and universal love through curriculum Circle of Love (Circle of Love) and the use of stories and songs that have universal value.
* Awareness of spiritual development through meditation (quiet-time), story and spiritual songs, and dances a soft yoga.
You agree? What did you think?
Jumbo Refinance Mortgage Loans Can Be Approved If You’re Prepared
You are thinking of a jumbo loan for a home refinance while rates are low but you’ve been told, “Do not to waste your time applying. Not now, because the banks aren’t lending!” Most banks aren’t too keen on approving jumbo loans. The jumbo loans are considered a higher risk loan, especially in a stagnant economy. Some banks may offer jumbo loans but their underwriting process is so strict that getting the jumbo loan to the closing table is impossible. There are a few banks that handle jumbo loan efficiently and will hold these loans in their portfolio. Finding this type of bank may be the first step in your quest to have your jumbo loan refinanced. The right bank will have the widest array of terms and have the most flexible underwriting guidelines. There are other points that should be considered in choosing the right bank.Despite the inherent risks posed by higher loan amounts, the basics of mortgage loan underwriting still apply. Like mortgage loans with amounts below $417,000, the 5 Cs of lending remain intact, (capacity, credit, capital, collateral, character.) So what’s different with jumbo loan underwriting?A residential jumbo loan is any home mortgage loan where the loan size exceeds GSE’s (Government Sponsored Enterprise such as Fannie Mae and Freddie Mac) limits. Currently, the GSE’s loan limits are capped at $417,000.00 or $625,500 in Alaska or Hawaii. Any mortgage loan exceeding these limits is considered a jumbo loan. This is of course the first obvious difference between a standard home mortgage and the jumbo loan. With higher loan amounts comes a lower LTV (loan to value) Expect to have at least a 20% equity position on a rate/term refinance.The loan terms will vary from lender to lender and it’s always prudent to look for a lender that has a variety of options that can be tailored for your specific needs, whether you need a 30 year fixed rate, a 15 year fixed rate or a 5/1, 7/1 or 10/1 hybrid ARM or interest only. The interest rates on these higher loan amounts are not as high as some borrowers think they would be. They generally are a little bit higher than conventional mortgage rates and in some cases they may be lower than some conventional loans after their rate adjustments.Many borrowers have unique situations and the bank that you should turn to is one that has a clear understanding of the uniqueness of the higher loan borrower. For example, although many borrowers have a standard salary and W2 income, there are a disproportionate number when compared to lower loan amount applicants that have a W2 income that include bonuses or commissions. With the higher loan values, there are also a larger number of self employed borrowers and professionals. Different calculations should be used for this type of borrower to allow for depreciation, depletion, bonuses and commissions. For a borrower’s best shot at loan approval and efficiency, the higher loan amounts require a bank that has a staff of underwriters and originators who have a higher skill set and proper training for this type of loan origination and underwriting.In order to be approved for a jumbo loan, you must be prepared with support documentation. Income documentation, documentation of reserves, letters of explanation, tax documents, etc. In short, you will need two years tax returns with all schedules, one month’s most recent pay stubs, two months most recent bank statements, schedule of real estate owned, most recent statements of stocks, bonds 401k and IRA accounts. A professional loan originator who is accustomed to this type of loan will give you insight on what documents you need for your application.