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Contact us to find out how you can include inquiry, creativity, critical thinking, and collaboration in your learning environment AND e asily match to Common Core State Standards so your students are college- and career-ready. We work with teachers and coaches behind the scenes to plan, design, create and celebrate the creativity and learning happening with your students. Teachers can even set up class teams with students.
Elementary Classroom Teacher
San Bruno Park School District
San Francisco, CA
Melissa has been a member of My eCoach since 2008. She currently teaches sixth grade and has additionally taught many after school programs. Meilssa is always excited to go beyond the school day to assist others in developing skills and facilitating interdisciplinary education. She believes that technology integration and project based learning are outstanding ways to facilitate learning. Her groups have been nominated for a variety of awards and won first place in the California Student Media Festival in 2009 under Best Use of Interactive Media. In addition to her regular classroom duties, Melissa serves on her school s Leadership Team, her district s Curriculum Council and on the district s Technology Committee. Teaching students how to apply classroom concepts in the real world is a priority for Melissa. Thank you, Melissa, for all your talented work in education and for using My eCoach. Below are just a few of her projects.
Lessons From the Credit-Score Elite
Want to improve your credit score? Try taking a page from the best. Credit scorer FICO recently reviewed the profiles of consumers it calls high achievers—those with scores in the 750-to-850 range. Adopting some of their habits could boost your score into the stratosphere and keep it there.
TAKE OUR QUIZ: Will It Sink Your Credit Score?
The most influential factor is a record of on-time bill payments. According to FICO’s study, 72% of those with scores between 750 to 799 and 95% of those with scores of 800 or higher have no late payments (overdue by 30 days or more) on their credit reports. If you occasionally overlook a bill, sign up for automatic bill payments or put reminders on your calendar, suggests Heather Battison, vice president for credit agency TransUnion .
The amount that you owe on your credit cards as a proportion of your total card limit—known as your credit utilization ratio —is another important component. High achievers with scores from 750 to 799 use a median 10% of the credit available to them, and those with scores of 800 or higher use just 4%. “There are no hard-and-fast rules,” says Can Arkali, principal scientist at FICO. but in general, the lower your utilization, the better. Even if you stop using a credit card, keep it open so that your score benefits from the available credit. However, if the card tempts you to overspend or carries an annual fee, closing it may be better.
A long history of credit usage also elevates your score. The average age of revolving credit accounts among high achievers is a little more than nine years for those in the 750-to-799 range and almost 12 years for higher scorers. If you are just starting to establish a credit history, set yourself up for success by using a credit card to make small, manageable purchases, such as gas and groceries, says Battison.
For more valuable lessons from the credit-score elite, see my slide show 7 Habits of People With Excellent Credit Scores .
DLTK’s Sunday School Lessons
The Lord’s Prayer
by Leanne Guenther
Sunday School Teacher’s Guide – this is just one possible lesson plan. Visit the Lord’s Prayer Bible Lesson Plan for further ideas to supplement this.
This lesson is about the Lord’s prayer. Communication is important in all our relationships, so it should be no surprise that prayer is one of the most important parts of our relationship with God. You’d think talking to God would be harder or more complicated than it is but God gave us five verses to show us how to do it right. This lesson will help children understand what the Lord’s prayer means and help them understand that anyone can pray. Even the disciples wanted to know how to pray (Luke11:1).
Preschool thru Grade 1: Jesus taught us how to pray.
Grades 2 and 3: Use the Lord’s prayer as an example and guide to pray.
I’ve split this message into two separate ones depending on the age level. For the younger children, the message is simple: Jesus taught us how to pray. For the older children, we expand on this message and say use the Lord’s prayer as an example and guide to pray. Going beyond reciting the Lord’s prayer and applying it to their everyday life.
Make sure you repeat the message many times during the lesson. Send the Lord’s Prayer Take Home Sheet home with the children to encourage parents to reiterate the message during the week. It includes a poster at the bottom that the children can color and hang on their wall or refrigerator.
Preview of the lesson:
Some people like to do craft time first and story time second and some like to switch it around. I like the first option, myself.
Always consider offering Lord’s Prayer Coloring Pages or you could look at the Lord’s Prayer Mini Book or Itsy Bitsy Book for children who aren’t interested in participating in the group activity (or if you get done the group activities very quickly and need something to fill in the spare time). Everyone has a need for alone time once in awhile. Also, sending home the coloring pages with the Take Home sheet provides parents with much needed help in reinforcing the lessons. You can make a nice little booklet each week with the Take Home Sheet on top — I promise that most parents will appreciate the effort!