Are Private Student Loans Dead?

Loans are required by one and all to compensate for their shortage of funds and help them tide over a financial crisis. It is the same with the education fraternity too. There are many brilliant academicians whose families just do not have the wherewithal to help them to pursue with their studies. Student loans provide these needy students with money required for undertaking their education. Student loan is given at low interest rates and is generally required to be paid back completely within a certain period of time after the student has completed his or her education.

These loans are generally provided by both the government and also by private financial institutions. The amount of loans being provided by the government is falling behind that being provided by the private sector at a rapid pace. It is estimated that in about a decade the private sector will go ahead of the government in providing student loans if the current rate of growth is taken into factor.

A number of private lenders charge fees that can increase the loan costs significantly. It is also true that those private lenders, who do not charge fees, make up for the same by charging higher interest fees. SAFRA (student aid and fiscal responsibility act) that has already been passed by the House is also likely to be passed by the Senate. This will mark the end of the FFEL (federal family education loan) that has till now been passing on student loans. In a strange turn of events that was more or less expected, a number of the private loan companies have grouped together and have formed PSC (project student choice) to campaign against SAFRA. Facebook, the biggest social network, is where this group also has its presence.

This group is thinking about getting the support of students by misguiding them through wrong information. Ed America and Chase, the biggest loan companies cannot see why providing loans to students under the FFEL should be discontinued and they have put this on record. As of date the battle still continues, but this does not mean that private student loans are dead.

Remarkable Achievements – Marlee Matlin And Helen Keller

The names Helen Keller and Marlee Matlin are world-famous. Helen Keller was the little deaf and blind girl whose early life inspired the stage play and the movie The Miracle Worker and Marlee Matlin was the young deaf actress from the show Children of a Lesser God. However, despite the differences in their situations, there are some striking similarities between the lives of these two remarkable women.

Helen Keller was born in 1880 in Alabama; Marlee Matlin was born in Illinois in 1965. Yes, both were deaf; but what other similarities could be found between these two people?

Both children were born sighted and hearing. At the age of eighteen or nineteen months, both girls suffered high fevers which resulted in Marlee’s profound deafness and Helen’s profound deafness and total blindness. Neither family wanted to send their daughter to live away from home: After visiting several distant residential schools for the deaf, the Matlins enrolled Marlee in self-contained and mainstreamed classes near home. The Kellers, after considering putting Helen in an asylum, kept her at home and found Annie Sullivan to give Helen her first years of education.

As young women, both attended college. Helen Keller learned to speak, and was the first deafblind person to earn a Bachelor’s degree. Both were performers: Marlee Matlin’s ongoing career is well-documented, and Helen Keller and her teacher Annie Sullivan traveled the world, first in lecture circuits and then in Vaudeville shows. Both women devoted themselves to advocacy for increasing awareness in the general public for those with physical challenges. Both campaigned for improved educational opportunities for the deaf and blind as well. Helen Keller spent her entire adult life touring the world, advocating for improved education for the deaf and deafblind. Ms. Matlin is a spokesperson for an organization called the National Captioning Institute. She was one of the driving forces that created a law that calls for all televisions 13 inches or larger to contain a chip to enable closed captioning for deaf viewers. This opened up a much larger world for deaf viewers, and has been called a godsend for the deaf.

And what about the differences between these two women? These are also remarkable.

For Helen Keller, life in general was much more limited, and this was not only because of the additional challenge of her blindness. At that time, there were no specialized services for young challenged children. When Helen was turning 7, she was mute and behaviorally uncontrollable. She had just discovered that words mean things, and had just learned her first fingerspelled words. As an adult she and her teacher had to physically travel, which was itself no easy undertaking, to make her speeches and appearances in order to strive to better the lives of the deaf and deafblind.

When she was seven years old, Marlee Matlin was fortunate enough to go to summer camp. Also, she starred as Dorothy with both hearing and deaf children in a school production of The Wizard of Oz. As an adult, travel is much easier, and apprearing via telepresence is common. Her career and her charitable and advocacy activities can be found with a few clicks of a mouse.

Different lives? Absolutely. A similar heart? Most likely. Helen Keller and her teacher Annie Sullivan, and others like them, pioneered the improvements in education for the deaf and deafblind. Marlee Matlin has continued in this cause, as will others after her.

Nameology, Numerology, Astrology, Baby Names, Name Numerology, Business Numerology,

First Woman Nameology, Numerology & Astrology Genius from South India

Namealogy Scientific Consultancy employs the power of numbers to remove problems from the lives of people. Dr. J.Lakshmi Jeya Swaruoopa, who hails as the First Woman Nameology Genius from South India. She is also known as the Lucky Number scientist. With Namealogy she corrects all problems in human life, like dullness in education, Infertility, Strife in married life, marital problems between husband and wife, Delays in marriage, loss in business, Absence of recognition and Obstacles to progress and prosperity. She employs palmistry, astrology, graphology, phonemics and modern scientific data to perfect her architecture with numbers, alphabets and names. The services which they provide are as follows:
Nameology
Name decides Good Luck or Bad Luck. You can have a perfect name so beneficial as a sacred mantra if you want to be lucky. Or if you are unlucky, you can have a name which is as evil as a curse. The answer is in applying the correct scientific principles of Nameology, in the design of names. To result in Success, effort alone is not enough, Dr. Lakshmi Jeya Swaruoopa says. Luck or good fortune can take effect only for the people who are blessed with the correct names. According to her concept, anyone can choose to be rich or poor, good or evil, healthy or sick, happy or miserable, fortunate or unfortunate, famous or notorious, victorious or defeated depending on the correctness their individual names. Name should be designed based on the date of birth, time of birth, numerology, palm readings, astrological data, the status of planetary positions and their conjoined implications in any one’s life.

Astrology
It is the predictive science which studies the position of planets in the Mid Heaven at the time of Birth of an individual. She practices Astrology as a Science and offers advice to her clients with logic and scientific explanations. Her approach is towards educating the clients to make them understand as to why they are facing the problems in life. Subsequently, she offers realistic and practical solutions to their problems. Her in-depth knowledge and research in the field of astrology has enabled her to connect numbers, colors, nutrients etc. with the family of nine planets and thus suggest effective remedial measures using the same. As a result, the Remedial Measures suggested by her, if performed meticulously before the event, act as a protective umbrella and mitigate the ill-effects of the Planets.
Numerology
Numerology is a traditional systems used to analyze relationships between physical objects / living things / words etc. and numbers. In simple words, it is how numbers relate to human personality and time cycles. This study of the symbolism of numbers is used to determine a person’s personality, character, strengths and weaknesses, talents, obstacles, personal visible & hidden needs, emotional reactions etc. Dr. J. Lakshmi Jeya Swaruoopa did her research into how numerology transforms lives of people. Soon, she discovered that only when she applied the findings from chiromancy, astrology, Phonemics and graphology in numerology calculations, she could solve all problems correctly. This discovery crowned her with great success. Several factors are considered in numerological readings of an individual, including date of birth, birth time, place of birth, parents, spouse, children etc.
Name Numerology
According name numerology your name relates to who you are personally, and this very personal meaning does not dependent on collective elements of your life. Each single name corresponds to a symbolic number that defines the main characteristics of the personality.
According to the basic guidelines in Numerology, the ‘name numbers’ are very important for they can be related to the relationships with other people – this is no mystery for the sound effects of your name produce certain patterns and expectations.
Business numerology, Business astrology
Business has always being one of the central forces in the lifespan of human civilization. From the ancient times, it always has impacts on human lives and even on the growth of the nations and races. In the modern times, after the money took the central place in human life, importance of business has increased to a great extent and it has become increasingly complex and competitive. So the success in this sphere of life has become desired but difficult. Dr. J.Lakshmi Jeya Swaruoopa provides many astrological & numerological solutions to guide you to choose a right and beneficial business. If you already in the business and not getting the desired results ,then we will suggest you the remedies to improve state of your business or suggest you to change the area of business after studying your horoscope. We provide an exclusive corporate astrology & numerology services for businessmen to know their astrological & numerological compatibility with their partners in business, the good or bad impact of their partner’s astrological profile on them, and above all whether they should start a business in parternership or not.
Marriage compatibility

This compatibility between partners is extremely important to enhance our home or business environment, and our lives. The better the overall compatibility between us, the better our life experiences will be. We influence each other in many ways, including, and usually unknowingly, through our bodies’ electromagnetic field. A ‘good’ partnership match creates positive energy; and a ‘bad’ one creates friction and static. Moreover Marriage is an important social institution where a man is combined with a woman to lead a happy and contented life. We provide you a report analyzed from 10 major Marriage compatibility factors, which helps you to determine the psychological and the physiological nature of your partner. Moreover we can also detect the defects. In addition to the above we analyse Mangal dosha or Mars dosha or Chova /Chevvai Dosham in both horoscopes along with PapaSamyam(matching of planets which destroys married life) and also Dasa Sandhi porutham for both.

Baby names
Most of us in India know the importance of naming a baby. Since ancient times, Indian baby names have been suggested based on astrological sciences. The Baby Names typically start with a special alphabet, but a lot of times people overlook the numerology aspect of a Baby Name, and may have to later go for Name Correction. Dr. J. Lakshmi Jeya Swaruoopa will suggest a Lucky Baby Name for your Child based on Astrology and Numerology.
Most experts would agree that the original baby name given to a child is the one that carries the most impact numerologically, sometimes even after you have gone for Name Correction. As such, choosing a name and the correct spelling is all the more important.
You would need to suggest us a few Indian baby names of your liking, and our Expert Astro-Numerologists shall pick the best name for your baby, and a lucky spelling to go along with the baby’s name.

Love match Astrology
If you are in love then you must be interested to know whether you and your partner will be happy together. You would be interested to know about the future life which you are planning to spend with each other. Love match astrology is the perfect choice for these young and new couples. There are different signs to which people belong to. The future of the person can be predicted with the help of these signs. These signs are influenced by the sun. The sun has a great influence on the lives of the people.
Overcoming Marital problems
Marriage and Marital Life can be a boon or a bane depending on the correctness of the individual names and vital numbers of the wedding Day. Favorable vibrations between husband’s and wife’s names promote harmony. Anti vibration does just the opposite. Even the day number and life number can have anti vibration on the wedding day, which can totally wreck the good results of marriage says, Dr. J. Lakshmi Jeya Swaruoopa. For the less fortunate married couples who lead a cat and dog’s life of quarrel and dishonor, she administers this Nameology therapy to bring back harmony, love and understanding in marital life.

7 No Cost Tips To Market Your Business

Marketing a business can be fun, exciting and creative. It can also be very frustrating and expensive if one doesn’t know what outcome they are looking for or how to evaluate cost effective methods of marketing.

Over the years people have come to know me for my unique ability to develop low cost and no cost strategies to market and promote a business, product or service. Strategies that have realized incredible returns.

Some of my successes have included:

– Before my last book was published I pre-sold over $8,000 in books
– Over 250 people registered for a recent seminar in less than 2 weeks and the cost to promote was under $25
– One company used my strategies for a career expo and made over $180,000 in consulting fees
– One speaker sold over $23,000 in product sales back of the room at a two hour seminar with strategies outlined in my program

I don’t share this to impress anyone, rather to impress upon you when using the right strategies for your market, you can realize some incredible results.

People have also come to know me as someone who is a stickler when it comes to putting systems in place. My marketing successes are a direct result of the systems I have implemented.

With a bit of forethought, planning and desire, you can successfully market your business in a very effective manner. Below are seven proven strategies sure to increase visibility, leads and sales.

1. Business Cards
Business cards are often one of the most underutilized tools in one’s marketing.
Use the front and back of your business card to gain full benefit. Depending on your market you can put some very valuable information on the back such as a sports schedule, emergency numbers, or special dates people want to remember.

Keep some in your wallet, your automobile, on your desk, and some at home. Be sure to carry them with you wherever you go and be willing to hand them out as opportunity presents itself.

Creatively distribute your card. When you eat out you can leave one with the tip.
If you borrow a library book, use one as a book mark. Hand them to clerks in stores who may know other people who could use your product or service.

When someone gives you their business card be sure to enter their information in your database. Send them a short note or email within 48 hours of meeting them to keep your name fresh in their mind.

2. Send a picture
A great way to keep your name fresh in a customer’s mind is to send them a picture of when they purchased a product or service from you.

Put a picture of a buyer’s auto purchase in a beautiful calendar. Likely, the proud owner of the vehicle will display the calendar for the next 365 days.

For specialty gift shops, when a customer makes a substantial purchase, have a picture taken with the shop owner. Frame the picture and send it to the customer.
Chances are very good the picture will be displayed proudly for friends and family to see.

A dentist who specializes in smile makeovers can easily arrange to have a professional makeup artist and photographer capture the patient’s beautiful new smile. No doubt the patient will be more than happy to show others their new look.

3. Associations
Associations particular to your market are a great resource for marketing. There are associations specific to virtually any industry, job type or business. A quick web search will likely show you how much is available.

A major opportunity within many organizations is the chance to network. Additionally, to make presentations. Along with presentations come publications.
Often, when you do a presentation, you will get a mention in the association newsletter, their Ezine and/or on their website.

In many cases, when an organization has a newsletter or Ezine, they welcome the presenter writing a press announcement for them. It saves them time and often assures you have a better chance of the information making it into the publication.

They may also welcome you writing an article for their publication or website.
This lends itself to pre-presentation visibility. Additionally, you will position yourself as an expert and increase credibility.

Most organizations have the following opportunities that can help you to gain visibility and do some very effective marketing:

-Newsletters
-Internet listings
-Links to you website
-Discounted advertising rates
-Networking opportunities
-Business referral services
-Special recognition events
-Education seminars
-Business and membership directories

In many cases you will need to be a member of the association to take advantage of the multiple marketing opportunities. In other cases membership is not necessary.

4. Committee Involvement
Committee involvement is a great way to give back to the association or community while building visibility for you and your business. In some cases, you may even want to get involved in a committee where you have little experience or knowledge. This will give you an opportunity to stretch yourself and meet and network with individuals you may not have otherwise had the chance to meet.

5. Contests and drawings
Contests are a favorite for many businesses such as restaurants or those that have high foot traffic. Contests are a great way to build your database quickly.
You are generating very hot leads when you have a contest with people who have already frequented your place of business. The key though is to do back -end marketing. Far too many businesses hold contests, get lots of names and do nothing with them. In this case, it is a complete waste of time to hold a contest.
You can advertise a contest to gain new foot traffic in your place of business.
Trade show booths are a great place to hold a contest. Pre-show marketing helps to generate traffic at your booth. Invite people to stop by booth # _____ (whatever your booth is) to enter to win. Creative contests can also generate free publicity.

6. Cross-promoting
Join with other companies who have products or services that compliment yours and promote each other. Let’s say you have a massage business. You could partner with a candle company to sell their candles to your massage clients. They can give out coupons for your massage business. Or the candle company can partner with a gift basket company. Cross-promoting is only limited by your imagination.

This can considerably cut down the cost of business promotion and allow each business to use promotion techniques that might be too expensive to implement alone.

7. Bonuses
Secure special offers from various businesses who want to share a similar market as you. When a customer buys a minimum amount they receive a bonus packet with the various offers from the other vendors. This is a win/win all the way around. The other vendors gain visibility, you have something extra to offer you customers and the customers get incredible value for their purchase.

Be aware of who you cross-promote and joint venture with. You want someone who will be equally committed to a campaign.

Federal Family Education Loan Program

Students are offered a long-term loan that allows them to continue their studies without paying for their expenses till they complete their school. Such loans are called Federal Family Education Loan Program. After six months of completion of course or withdrawal from the degree program, the repayment begins.

DigiPen, which participates in the Stafford Loan Program, is the most common loans and mostly meant for undergraduate students. Subsidized loans and unsubsidized loans are the two types of loans, which are offered to students. In the subsidized loans, the government pays the interest while the student is in college. In the unsubsidized loans, the student is responsible for paying all the interest on the loans, during and after college. An origination fee of 3% for both the Stafford loans is charged by the U.S. Department of Education and the loan guarantor. One should be enrolled at least as a half-time student, to receive loan funds. It is possible for a student to receive both types of loans at the same time.

For undergraduate loans The Federal Parent Loan for Undergraduate Students is available. The parents can borrow the entire cost of the education. Any other aid that the student receives will be deducted from the total cost. This loan is not based on the assets of the family. 9% interest is charged. This is liable to change according to the school or the lender. A credit report is essential to acquire this loan.

Bank of America : Stafford , bank of America PLUS, college loan : Stafford, college loan : PLUS, Citibank : Stafford, Citibank : PLUS, Wadhovia Education Finance : Stafford, Wadhovia Education Finance : PLUS are some of the lenders who are in association with the DigiPen.

The student should apply for financial aid and should have a complete file in the Financial Aid Office. A loan entrance counseling session has to be undergone by the student at the end of which the student needs to take a test. On completion of the test positively the office should be given a notice. A promissory note will be mailed after the loan is certified.

Private bank loans are other financial aid options. They are alternative loans. These loans from private banks are very helpful to fulfill the student’s needs completely. The private loans have high interest rates. It is entirely based on credit reports. Many commercial lenders and colleges offer private loans. Bank of America, Key bank, Wadhovia Education Finance and Student Loan Express are some of the lenders with whom DigiPen works.

Family as Social Institution

as Social Institution
Each Society has some basic needs which has to be satisfied for better day to day life. Social institutions are a medium like as social moulds which are established for carring out basic functions and help to established collective image of behavior. This institutions come in to existence for satisfying needs of an individual. Even though every institution carries out certain specific function, It is not entirely independent. There is interdependants in every social institution. Every institution has to use various resourses for its fulfillment. For eg, Chalk and black board for educational institutions; temple, masjid and church for religious institutions. These institutions have social acceptions for eg , Marriage institutions, religious institutaions, economic institutions and family institutions etc.

Family Institution:
Family is social institution of society. Some social thinkers called family as a primary group. A person is related to a family right from his birth up to his death a family participate in the joys and sorrow of a person. Family plays an important role in personality development of a child. Family institution is present in all human communities. Person in family have blood relation. In the family there are sexual relation in men and women. This are common relations and they are stable because of they are established by institution .all members of this instituton participate in a financial process and responsibility. There is only one resident for all the members of the family. This institution is small in size .when the children grow they get married and they form own independent family. Therefore, the size of the family is small. The concept of the family is observed in all human group. Family institution plays a very important role in giving stability to society.
As family is a primary social institution of a society, existence of every social institution is depends on the functions carried out by that social institution. Family is no exception to this concept. According to Augbern and Nimcoff , satisfaction of sexual needs and child bearing are important functions of family. As the opinion of many social scientist main reason for the existence of the family institution is longer period of child dependence. The another function of family institution is to give formal and informal education to children. Children have to go to school for formal education but informal education is given by family institute. The family gives information about culture and helps to balanced personality development. Family carries out social regulations by developing personality. In traditional as well as modern society this functions are of family institution.
Hence, we come to know that family is a major social institution of society.

Belinda Rachman, Esq. Family Law Attorney, Certified Mediator, Masters in Special Education

Main Areas: Helping couples resolve their divorce issues quickly, inexpensively and out of court.
Career Focus: Transforming the way people divorce from fighting in court to working together
Affiliation: Huffington Post divorce expert

As a child of divorce and after having taught severely emotionally disturbed children for many years I came to the law with a bias to act only in the best interest of children. I was really horrified to see how our adversarial system destroys families and divorcing parents ability to effectively co-parent after the legal battle was over. After being in private practice for 8 years I walked away in disgust, vowing to never take another adversarial case again and I haven’t. I have done over 300 divorce mediations and every single one has come to an agreement, in one day or less so I know mediation works. The average divorce case in California, when both sides have lawyers is $20,000 EACH! That is totally unnecessary and anyone thinking of getting a divorce really ought to look at mediation. Your children will thank you for having a peaceful divorce.

Education–A Top Priority Of Life

Each fall, school buses begin to roll and school bells start ringing. The beginning of another school year is once again upon us. This should be an exciting time for students. Their love of learning, the joy of spending time with friends, and the many benefits of this intellectual environment are great motivators. But, these are not the kind of students or parents for whom this article is written. That would be preaching to the choir.

In today’s complex, technological world, everyone needs a strong education to stay gamefully employed and achieve economic stability. To compete, one must be educated. Gone are the days when one could drop out of school and make a living. Yet, in many parts of this country that offers free educational opportunities, we still face double-digit dropout rates. It’s a sad picture that must change.

Parents play a pivotal role. They must emphasize the benefits and need for a good education. They must provide an environment that encourages learning. The process starts at birth and is best begun by example. Their actions should include reading to children and showing them the joy of learning. Their actions should nourish the natural tendency we all have to learn new things. Their actions should make the home a place where learning never stops.

The unfortunate truth is that too many parents don’t care. Young children are absent from school because parents are too lazy to get up and dress them. These children go to school unfed because fixing breakfast is too much of an effort. The home environment is negative and lacks encouragement towards excellence. There is no appreciation for the value learning brings to one’s life and the doors of opportunity it opens. There seems to be a perpetual push towards ignorance.

When I served on the school board, my most discouraging moments were when I saw a child walking the streets during school hours or late at night during the school week. These pictures are still daily occurrences in many communities. Their elimination would bring great joy to my heart. Today’s school dropouts are tomorrow’s societal burdens. They will not compete in the job markets. They are more likely to become the next generation of criminals.

Education should be the top priority in every family. Education should be the top priority in every community of this great nation and not a lip-service activity. That is the only way to break the cycle of poverty and dependence on government subsidy for a livelihood. Personal pride accompanies development of our mind. Discouragement accompanies ignorance.

Improving American Education Requires Family Law Reform

Proper drafting of a Property Settlement Agreement and Alimony provisions in a Property Settlement Agreement is beyond the scope of this article. The parental warfare also means that educational enrichment opportunities are fewer for them as their parents are paying their life savings to the divorce industry that is destroying their families and are so busy writing declarations, testifying, scheming, and/or defending against false allegations that they pay much less attention to their children. Although it is clear that many children of divorce suffer greatly in their academic performance, I am not convinced that it is marriage in and of itself that helps children be more successful. I suspect it has more to do with the children getting the benefit of two loving and involved parents along with their extended families who nurture, teach, socialize, and provide for the children in different ways. The benefits of increased economic resources also likely has something to do with the difference in results. When you compare cases such as divorce and custody, adoption takes a slightly lower percentage of cases filed. Adoption will deal with the rights of the child to be adopted, the rights of the real parents as well as those of the adopting parents. The interested parties are supposed to negotiate before a judge and reach an agreement that will be acceptable to all parties. The rights and best interest of the child in this case will be the ones that will have the first priority. Family law is one of those terms which is both descriptive and nebulous. So, what is family law? Actually, the answer is complex and simple at the same time. In Denver, as well as anywhere else in the country, there are several different areas that fall under the heading of family law. Lawyers can concentrate on more than one of these areas. In a nutshell, family law is the part of legal practice which covers domestic relations. These cover anything from marriage and divorce, to concerns of adoption and surrogacy, and also to issues including common law marriages and same-sex marriage. In Denver, as elsewhere, you’ll need a lawyer who has quite a lot of working experience in your precise area of need. Flagstaff Lawyers have the mandate of representing the law without prejudice. This means that they will represent either party of a Family Law issue regardless of which area of the law it pertains to. In other words if they are retained to seek custody the Flagstaff lawyers will put all of their legal experience to task to win the case. On the other hand, if they have been retained to prohibit custody then they will represent their client once again to the fullest extent that the Family Law allows. This is what is meant by Flagstaff Lawyers showing no favoritism. Everyone that has a Family Law issue is intitled to legal counsel of their choosing. Therefore, the Flagstaff Attorneys will put forth their best efforts in representing the needs of all clients in all areas of Family Law. From the Elkins website, “Throughout its work, the task force has sought input from individuals and organizations with experience and interest in California’s family courts, through focus groups, a survey of attorneys, and extensive opportunities for public input via the task force’s Web site, letters, and phone calls.” Developed by a 38-member task force, including several Sonoma County legal experts, this sweeping report is designed to increase access to justice for the thousands of Californians who appear before court judges. The problems which exist in California family court are legendary. Child custody is another important area of familial dispute. It is important to decide the right custody for the child/children. There are various things to decide in such a situation like – each of the parents responsibilities towards the child, the visitation of the parents after divorce, grandparent’s roles, and also the amount of alimony that the parent deserves. It is also decided under the family law whether the child needs any foster care. Despite this, you should ensure you take legal advice from a family law solicitor, or you risk not maximising the award you should receive. The Welfare Reform and Pensions Act is a complex piece of legislation and does create rights to make statutory instruments that give detailed law on how pension sharing works.

Family Affair: Youth Hunting and Hunters Education

Hunting is a time honored tradition in Michigan, and what better than to make it a family affair. Hunting provides Michigan families and individuals with millions of pleasurable hours of wholesome, challenging outdoor recreation. Most hunters develop an intense appreciation for the wilderness, wildlife and a clean environment through their participation in hunting. The challenge of becoming a sports-person becomes a lifelong quest. Most hunters know that the lasting fun of hunting comes only when it is conducted safely and ethically. Safe hunting begins with Hunter Education. Hunter education courses teach new hunters responsibility, ethics, firearm safety, wildlife conservation and wildlife identification, game care, survival and first aid. The typical hunter education course consists of two to five sessions with a total class time of 10 to 12 hours. Hunter education classes are typically held in outdoor clubs, schools, police stations, and camps. Since 2006 the State of Michigan has passed 2 new laws for the hunting seasons: one that lowers the hunting age and the other that creates an apprentice hunter program. The new hunting age law lowers the age for hunting game from 12 to 10 years old, and lowers the age for hunting deer, bear and elk with a firearm on private land only from age 14 to 12. Under the new law, other than on land where their parent or guardian lives, youth hunters must be supervised in the field by a licensed adult hunter who must maintain unaided visual and verbal contact with the younger hunter at all times. These new laws now let parents determine whether or not their children are ready to hunt. The apprentice program also gives adults who have not hunted before a chance to be mentored by an experienced hunter, so they can try the sport first before making a substantial commitment.The DNR encourages parents, guardians and other adult hunters to take a youngster hunting this year. In passing on an important heritage to a new generation of hunters, you also will be helping them learn valuable lessons about responsibility, outdoor ethics and wildlife conservation. The apprentice hunter program allows individuals to hunt without the required hunter education course if accompanied and closely monitored by a licensed hunter 21 and older who is mentoring them in the sport. An apprentice hunter may participate in the program for two license years before being required to take a hunter safety course. The Ten Commandments of Firearm Safety 1. Watch that muzzle! Keep it pointed in a safe direction at all times. 2. Treat every firearm with the respect due a loaded gun. It might be, even if you think it isn’t. 3. Be sure of the target and what is in front of it and beyond it. Know the identifying features of the game you hunt. Make sure you have an adequate backstop — don’t shoot at a flat, hard surface or water. 4. Keep your finger outside the trigger guard until ready to shoot. This is the best way to prevent an accidental discharge. 5. Check your barrel and ammunition. Make sure the barrel and action are clear of obstructions and carry only the proper ammunition for your firearm. 6. Unload firearms when not in use. Leave actions open/ carry firearms in cases and unloaded to and from the shooting area. 7. Point a firearm only at something you intend to shoot. Avoid all horseplay with a gun 8. Don’t run, jump or climb with a loaded firearm. Unload a firearm before you climb a fence or tree, or jump a ditch. Pull a firearm toward you by the butt, not the muzzle. 9. Store firearms and ammunition separately and safely. Store each in secured locations beyond the reach of children and careless adults. 10. Avoid alcoholic beverages before or during shooting. Also avoid mind- or behavior altering medicines or drugs. So, keep the time honored tradition alive, by getting the whole family involved in Michigan hunting.