What does it mean to be an effective educator for gifted, creative, Annotated Bibliography

What does it mean to be an effective educator for gifted, creative, and talented students - Annotated Bibliography Example It is also important for the evaluation of the effect of programs on individual student. The main reason for applying multiple criteria is to identify more minority and economically disadvantaged students who are over looked when so elements of restrictive criteria for such things like the student’s IQ or achievement scores are used. This under representation problem have for decade’s plagued education. For example, in 1991, the state of Georgia defined the giftedness of a student according to a single score. With the help of Renzulli’s NRC/GT, eight Georgian schools explored the use of multiple criteria to obtain what they termed as a rich profile of students in terms of strength and interest. This criterion was also important in identifying the strength of minority students. Teachers can identify students quickly on the basis of observation and performance information of students from different cultural and economic background. Students who show traits, aptitudes and behaviors associated with giftedness can quickly be identified. Georgia legislatures passed a bill requiring multiple criteria be identified. This was in 1994 when the legislature was well convinced of the fairness of the multiple criteria, and the governor signed it into law. The law stated that the eligibility included meeting criteria in any three of the four areas which are the mental ability, achievement, creativity and motivation. The areas were defined as; intellectual ability above the 96th percentile, standardized achievement test score above the 90th percentile on the total battery n reading or in mathematics, creativity scores above the 90th percentile on the creativity test or creative characteristics rating scale, or superior evaluation of creative product or performance. Moreo ver, motivation as reflected in a GPA above 3.5, a score of above the 90th percentile on a motivational characteristics scale, or a rating above the 90th percentile on a

Financing Options Essay Example | Topics and Well Written Essays - 2250 words

Financing Options - Essay Example 41, No. 3, 2001, pp. 121-140). In this paper, various financial options available in the UK economy for large purchase will be evaluated and the issues associated with such options will also be analysed. Bank loans are considered to be the most reliable source of financing any large purchase. Bank loan is an agreement in which the borrower is provided with full or partial amount of the money required for purchasing certain assets from a large number of commercial banks such as HSBC, Barclays, Standard Chartered and Royal Bank of Scotland as well as cooperative banks such as Tesco Bank, Sainsburys Bank etc. available in the economy. Such sum of money is provided with an agreement of repaying the principle amount after completion of a stipulated period of time. Moreover, the borrower is subjected to pay the fixed or variable amount of interest rate, as applicable, on the principle amount taken as loan (M. Caglayan and A. Rashid, â€Å"The Response Of Firms Leverage To Risk: Evidence From Uk Public Versus Nonpublic Manufacturing Firms†, Economic Inquiry, Volume 5, No. 52,  2013,  pp 341–363). Bank loans can be of secured and unsecured. Unsecured loans are those source of capital in which fund can be quickly availed without any obligation of collateral. Such loan is provided, depending upon the current financial position of the borrower and his reputation in the market. However, in case of large purchases, loan is always made secured by involvement of certain assets such as housing property of the borrower which is used as collateral. The lenders hold the collaterals till the tenure of the loan. If the borrower fails to repay the loan or the interest payment within the stipulated time, the banks are entitled to acquire the right of ownership of the collateral. Secured loan is considered to be the best option for accumulating large amount of money. Mortgage loans are the most prominent example of secured bank loans (I. K. Nassr and G. Wehinger,