by Bakri Musa
Last of Six Parts

Earlier we reviewed the hurdles faced by 3 groups of students who occur to be mostly if not exclusively Malays: kampong students, those in residential schools, and those in educational dilapidation following their Form Five.

There is another group, this time also exclusively Malays, being feeble served by our system of education: students in Islamic schools. These schools see their goal as radically producing ulamas and eremite functionaries; they are more seminaries, with teaching masquerading as education. They are more like Pakistan’s madrasahs and Indonesia’s pesantrens.

we would cite that they be more like America’s faith-based schools which frequently outperform open ones. They are also cheaper and furnish their share of America’s destiny scientists, engineers and executives. Religion is only one theme in these schools, not the all-consuming curriculum. Thus they attract many non-Christians. Contrast that to Islamic schools in Malaysia.

If Malaysia were to offer the aforementioned 4 groups of students well, that would go a long way in ameliorating the “Malay problem.” It would positively be much more effective than spendthrift billions on GLCs, greedily hogging our constitutionally-guaranteed special privileges, or ceaselessly rising Ketuanan Melayu (Malay hegemony). The inverse is even truer. If we omit these students, then it would not matter how much resources we persevere to GLCs, how envy we ensure our quotas of open goodies, or how aloud we broadcast our superiority, those would all be for naught. Worse, if we do not offer these students well, that would be bad not only for them but also for Malays and Malaysia. What is also self clear is that we do not need nonetheless another elect or a blue badge cabinet to start immediately addressing the dire problems.

It is a singly Malaysian mania to transform our preparation policies with every domestic season. Every new Minister of Education feels compelled to do it, maybe to uncover off his domestic strength or arrangement his take-charge talent.

we wish the old knowledge – the more things change the more they sojourn the same – were true. At slightest then we could be comforted that the system would say the old peculiarity and standards. Instead, each transform brings with it a new low. For Malaysian education, the more things change, the more they change … for the worse!

We need a fast predicted preparation policy. Changes brought on today would not start to furnish their results until decades or even generations later. We are only now temperament the follies of the “reforms” instituted in the 1970s. Predictability and fortitude of policies would inspire investments in the system. Textbook writers and publishers for example, are more expected to deposit their egghead and financial resources if they are positive that the middle of instruction of our schools would not be altered on a whim. Likewise, investors would be speedy to set up private schools and colleges if they were positive that the supervision would not change polices per enrollment, curriculum, or denunciation of instruction with every choosing season.

We have distant too many of these reforms, reviews, blueprints, White Papers, and stately commissions. Yet now in our 65th year of merdeka, only Education Minister Muhyyiddin is smugly confident with the results, dogmatic at the new National Higher Education Carnival that our immature are receiving better preparation than those in America, Britain and Germany. Wow!

There was not even a spirit of annoyance on his part when he asserted that. Then with undisguised audacity he added, “For those who have come to me angry about our preparation system, it seems the [World Economic Forum Global Competitiveness] Report contradicts their claims.”

“Carnival” accurately describes the eventuality where he spoke, for that is accurately what Malaysian preparation is, with Muhyyiddin the fair barker. He apparently missed the part of the Report that read, “… Malaysia will need to urge the opening in … aloft preparation and training (38th), improving entrance … in light of low enrollment rates of 69 percent (101st) and 36 percent (66th) for delegate and tertiary education, respectively.” Those total are inhabitant averages. If you were to disintegrate further, privately with honour to Malay vis a vis non-Malay performance, the statistics would be even uglier.

Muhyyiddin is commencement to trust his possess propaganda. However, who or what he believes is not my regard solely that our immature (especially Malays) are temperament the complicated weight of his folly. He promised, or more accurately threatened, Malaysians with nonetheless another “comprehensive” transform directed at “transforming” our schools. Do not design much; after all we are already the best. Such hubris!

This “comprehensive” examination will once again devour the courtesy of the apportion and his officers, distracting them from their day-to-day responsibilities. Resources will again be diverted to the employing of costly unfamiliar consultants. Routine matters will now be abandoned and dire problems deferred until the “comprehensive” review. Meaning, they will once again be left to fester.

we do not design much with this designed examination for another reason. The preparation establishment, like the polite use generally, is rarely close-knit and in-bred. There is little, in fact no distillate of uninformed talent at the tip levels, detached from recycled ones from almost private and other bureaucratic entities. Those now at the top, carrying been brought up underneath the benefaction system, would find it challenging to error it. That would be tantamount to criticizing themselves. we do not design them to lift elemental questions or plea elementary assumptions; they are more disposed to “group think.”

we wish there would be a duration on these rarely distracting and resource-exhausting reviews. There are already stacks of reports entertainment dirt in the ministry’s archives. Their authors are merely recipe writers; they cruise their pursuit finished with the writing. They are not meddlesome in anticipating out the predestine of their recommendations or either those method officials have even examination them!

A immeasurable star separates a imagination recipe from a tasty morsel. Whether our students sojourn starved, flabby, or well nourished depends reduction on the silken pages of the recipe book, more on the skill and skills of the chefs. They will establish if or when our students get fed, and either with junk food or healthful meals.

we would cite that our educational chefs – the minister, his officers and policymakers – concentration on a few recipes at a time instead of perplexing to transform the whole kitchen. Study the issues thoroughly, learn from the knowledge of others, and then try them on small portions. Monitor the sum of the mixture and the cooking, delicately representation the results, and then once successful with the kinks straightened out, adopt the recipe for inhabitant use.

A good recipe starts with uninformed frail ingredients; so we would start with removing plain arguable data. we have problem removing such elementary statistics as how many students at MCKK could bear the costs, how many would be the first to enter university, or how many come from families where no one could pronounce English. Those are critical sum if we are considering the changes we am recommending here. Similarly, there is no plain information on what Malay students do in the six-month interregnum following their Form Five. That problem cries for attention.

Consider the deplorable turn of English among Malay students. we have nonetheless to come opposite a investigate on the hurdles and obstacles they face in training the language. There is no consult for example, assessing the English fluency of their teachers. If you do not know the problem, you are not expected to solve it. Worse, you would then think that you have already solved your problem, tantalizing you to gloat and so move annoyance to yourself.

With Malaysia in unfortunate need of English teachers, there is not a singular all-English teachers’ college, and few of our universities have dedicated Departments of English. The supervision for the part awards distant too few scholarships to pursue a grade in English. That is our “diligence” in “solving” the problem of English fluency among our students. Again, our policymakers do not see any problem there!

It is precisely this scarcity of good data, severe analyses and plain receptive meditative that prompts our officials to make ad hoc decisions and lift out their common seat-of-the-pants solutions. It is also this mindset that leads our apportion to make such vast claims as our schools being the best. The worse part is that they trust it!

Even if that minister’s inconceivable explain were true, there would be very little honour if our students in the kampongs, residential as well as eremite schools, and those left in dilapidation after their Form Five – all radically Malays – were to sojourn trapped as they are now.

The purpose of my practice is not to pontificate on the issues or slur those charged with elucidate them. It is also not my goal to imperiously diagnose the ailment and then dogmatically levy my prescription. My vigilant is to light a much-needed debate. Only then could we conclude the issues in all their varying facets and full complexities. That is the only basement on which to qualification a essential and applicable solution.

To that border we am elegant of those who have intent me. They have highlighted facets that we am not entirely wakeful of and brought onward aspects that we have not considered. For example, an American academician suggests that we am underestimating the fear of Malay denunciation nationalists (and Malays generally) to any inflection given to English. That the fear is undiscerning creates it all the more genuine and formidable.

To a idea in my progressing book that Chinese schools should be identified reduction with competition and more with the middle of instruction, meaning, a propagandize using Mandarin instead of one appealing to a sold race, an romantic with the Chinese propagandize transformation responded that it would be too much of an romantic burden, adjacent on being irrational, for them to do that.

Significantly, there is one organisation that astounded me for the miss of engagement, those in the open zone of education. we do get the occasional response, constantly from those who have retired! Recently someone very critical in the supervision pleasantly forwarded my essays to comparison officials in the Ministry of Education. They responded by duly thanking me for my “interesting” ideas. Nothing beyond!

In the 1980s the Ministry of Education sent many of the comparison officers on a culup (quickie) summer government course at Stanford. we managed to seductiveness a few of them to revisit the area’s best private and open schools. A few hours before the allocated time however, they called to cancel as they were going selling instead! Then apparently mistaking my reason for the meeting, one of them positive me should we have a nephew or niece requesting for a residential propagandize back home, to let him know as he could “facilitate” it!

Trying to rivet our open officials is like dropping well-spoken pebbles into a lake; there is frequency any ripple.

Today with the digital revolution, Malaysians are better informed; hence the scorn that greeted the minister’ attestation on the ostensible supremacy of our schools. Malaysia has a long way to go, Muhyyiddin! In perplexing to sham us, you attain only in deluding yourself.

ELEMENTARY SCHOOLS

s Adacao

Kindergarten registration for 2012-2013 propagandize year is ongoing. Child contingency be age 5 on or before Jul 31, 2012.

Bring aluminum cans for the i*recycle competition.

Call 300-6500.

s Agana Heights

School T-shirts are available for squeeze at PTO meetings, or email Geri Charfauros: gerijoleeneclavea@yahoo.com.

Aluminum can collection 7:15 to 8 a.m. each Friday in the propagandize categorical parking lot, and accept raffle tickets for a possibility to win a esteem each month.

Call 477-8340 or 300-1016.

s Astumbo

Neighborhood watch program: Parents are speedy to news any questionable activities or people during late or early hours to GPD to assistance deter desolation at the school. Call propagandize administrators if meddlesome in participating in the program.

School uniforms are required, and might be purchased at Paul's, Micronesia Mall or Express T-Shirt Trading Co. at the Compadres Mall (call 777-4288).

Call 635-4363/64.

s B.P. Carbullido

Parent Teacher Organization open is 6 p.m. May 8 Students of the month will be recognized. PTO orderly a Pizza Hut fundraiser for May 8. Order your pizza on that day and let Pizza Hut know you are ancillary BPCES then give them your flyer. Flyers will be distributed to students around task planner.

May 25: Teacher Appreciation Week: Kick-off assembly. Flower Day: Bring your teacher's favorite flower.

May 29: Treat Day. Bring a honeyed yield for your teacher.

May 30: Why we Love You Day. Draw a design of because you adore your teacher.

May 31: Thank You Day. Make a "Thank You" label for your teacher.

June 1: Favorite Color Friday- Wear your teacher's favorite color.

May 28: Memorial Day holiday. No classes.

New report for purchasing propagandize T-shirts from the PTO: 7 to 9 a.m. Wednesday, 7 to 9 a.m. and noon to 3 p.m. Thursday. $7 per shirt (cash only). Call the propagandize for more information.

Submit box tops for preparation to support the propagandize (check on death dates).

Bring in aluminum cans (not crushed) for the i*recycle program. Write your child's name/room number on bags to accept Koko credits.

School website: www.gotkokos.schools.officelive.com

Call 734-4341/2/3.

s Chief Brodie Memorial

Kindergarten registration is being supposed at the bureau from 2 to 3 p.m. Monday-Friday. Registration requirements: franchise agreement/current focus bill, immunization, shot record, birth certificate.

Uniform policy: Uniforms can be purchased at Paul's in the Micronesian Mall. Student are mandatory to wear their uniforms daily.

Call 300-2241.

s C.L. Taitano

SAT-10 contrast continues through May 11. Child should nap early the night before, eat a good breakfast in the morning, and come to propagandize on time.

May 14: Annual Fun Fair 9:30 a.m. to 12:30 p.m.

May 28: Memorial Day Holiday, No classes

June 4: 5th Grade Promotional 8:30 a.m. in the cafeteria.

June 6: Last day of classes/Last day of DEED program

June 11: Kindergarten registration forms for 2012-2013 propagandize year will be accepted. Child contingency be age 5 by Jul 31, 2012.

Aluminum cans are being collected for the i*recycle program. Drop them off outward the school's recycling bin.

Box tops are still being supposed at the office.

Call 475-4502/4.

s D.L. Perez

Call 632-9364, 635-0687 or 633-1521.

s Finegayan

May Spirit Days: May 11 is Crazy Sock Day, May 18 is Pajama Day.

Promotional Ceremonies will be hold at the propagandize campus starting at 8:30 a.m.:

Kindergarten: Jun 1

1st Grade: May 24

2nd Grade: May 31

3rd Grade: May 30

4th Grade: May 29

5th Grade: Jun 5

Electronic inclination such as cellphones, iPods, DS players ad more: the propagandize will not be obliged for lost, stolen or shop-worn items. Such equipment should be kept at home.

Lost and found equipment will be likely of it not claimed by the end of the month. Contact the propagandize to explain items.

Parents are speedy to yield healthy snacks to their children and equivocate giving their children sodas or tea, vast bags of cookies or chips. An authorized break list is available in the office.

School gates open at 7 a.m. Do not send your children to propagandize before 7 a.m.

Neighborhood watch program: Report any questionable people on campus during late hours, early morning hours, or during weekends, to GPD.

Uniforms contingency be ragged Mondays through Thursdays; they are available at Royal Bics, GPO.

Call 632-9364, 635-0687 or 633-1521.

s Harry S. Truman

Student drop-off as early as 7 a.m. and no after than 2:30 p.m.

Call 565-5195 ext. 5360/5/6.

s Inarajan

May 11:DEED Onward WaterPark fieldtrip

May 14: Boy Scout revisit at noon

May 23: Last day of Library classes

May 25: DEED Underwater World fieldtrip

May 28: No classes. Memorial Day

May 29: Career Day

May 30: Kinder promotional rite at 8:30 am in the cafeteria.

Attire for Mrs. Nauta's Class: Boys -- black symbol up, brief sleeve shirt or black t-shirt, black slacks, black sealed toe shoes; Girls -- red white Hawaiian imitation knee length dress or Little Red Riding Hood costume, small basket, white or black stockings, sealed toe shoes. Attire for Ms. Green's Class: Boys -- hip-hop '80s character with sealed toe shoes; Girls -- Madonna look, spandex/tights with colorful socks, colorful top, sealed toe shoes.

Fifth category promotional rite at 10:00 a.m. in the cafeteria.

Attire: Sunday best. Girls: No spaghetti straps/sleeveless/strapless unless ragged with a cardigan or shawl. May wear sandals and pumps no aloft than 1-1/2 inches in height. No slippers.

May 31: IES Awards Ceremony at 10:00 am in the cafeteria

June 1: PIC Waterpark fieldtrip

June 4: IES film fieldtrip

June 5: DEED Micronesian Mall Movie Fieldtrip

June 6: Last day of classes. Last day for DEED.

June 11: Registration packets for propagandize year 2012-2013 available in the categorical office

Call 828-8641/2.

s J.M. Guerrero

Book-it module is ongoing through May. Parents/guardians should inspire their child to examination daily.

Call 632-1540.

s J.Q. San Miguel

Box tops for preparation might be forsaken off in the categorical office.

Aluminum cans (no need to vanquish or rinse them) might be forsaken off nearby the front gate.

Call 477-9370/71/68.

s Liguan

Continue to support box tops in preparation and contention them to the school.

Call 300-1680.

s Machananao

Effective this propagandize year, primogenitor are requested to forewarn the propagandize when their child is going to be absent. Call the school.

Those wishing to have a birthday celebration for their child should ask a accede form from the categorical bureau and contention it a week before to the event. Do not move food due to some children carrying allergies.

Call 635-4381; email: machananao@gdoe.net. Website: https://sites.google.com/a/gdoe.net/maches.

s Marcial A. Sablan

Kindergarten registration is being supposed for 2012-2013 propagandize year. Packets might be picked up in the categorical bureau for children who will be age 5 by Jul 31, 2012.

All visitors contingency pointer in and out in the categorical bureau before move into the school.

Call 565-2238/2946.

s Maria A. Ulloa

Uniforms contingency be ragged Monday through Friday, unless differently advised.

Homeroom classes accept ideal assemblage capitulation if all students are benefaction during the propagandize day.

Students contingency be forsaken off by 7:45 a.m.

Aluminum cans are still being collected for the i*recycle program, in the recycle bin.

GATE is also collecting box tops for education. Please cut and send them to school.

Parents/guardians contingency give the propagandize updated puncture hit information for students.

School's executive website: http://mauelementaryschool.weebly.com. Facebook page: www.facebook.com/mauelementaryschool.

Call 632-5176/8090.

s Merizo Martyrs Memorial

Aluminum cans for the recycling module are still being accepted. Support the school's recycling efforts in gripping Guam's sourroundings purify and green.

Box tops for preparation are also being supposed to assistance lift supports for tyro supplies, margin trips or other school-related activities.

DEED applications are being supposed for this propagandize year. See Mr. Wolfley or Mrs. Mantanona.

Bus re-routes for after-school contingency go through train operations for approval. Call 828-8106.

Call 828-8525/8779. School website: mmmsguam.weebly.com.

s M.U. Lujan.

The propagandize will not accept any change of travel by telephone. All changes contingency be documented in the planner or a minute to the student's homeroom teacher.

All visitors contingency pointer in and out in the categorical bureau before move into the school.

Student verifications contingency be made 24 hours in advance.

Call 789-1535. The school's website is www.doe.edu.gu/mules.

s Ordot-Chalan Pago

School uniforms should be ragged daily; they might be purchased at Gino's, Agana Shopping Center.

Car supplement drop-off area is one-way trade upsurge only. Parents are not authorised to park their cards on the side. Please follow trade upsurge directions to assuage any congestion.

Call 477-9645.

s P.C. Lujan

May 7-May 11: SAT-10 make-up tests. Also, 4th Quarter Progress Reports sent home.

Breakfast/Lunch IOU's: Notices will be expelled out to parents. Payments are being supposed daily in the categorical office. Please see Ms. Ann Iriarte for payments.

May 28: No classes, Memorial Day holiday

Promotional Dates: May 30 on campus in the cafeteria.

2nd Grade: 8:40-9:10 a.m.

3rd Grade: 9:50-10:15 a.m.

4th Grade: 9:15-9:45 a.m.

May 31: 1st Grade Promotion on Campus at 9 a.m.

June 1: 5th Grade Promotion at the Leo Palace Resort at 9:30 a.m.

June 6: Last day of classes.

Fifth-grade parents/guardians who are meddlesome in purchasing an ad for the propagandize year might hit Mrs. Taitague.

The PTAC is still collecting $1 per child, wit the deduction going toward squeeze of paint to finish portrayal the school.

Call 734-3971/2, ext. 2911 or 2915.

s Price

The PTO is offered KFC banking booklets for $5 each. Call or revisit the categorical office.

Allow one day for estimate propagandize enrollment verifications. Call the propagandize or revisit the office.

Call 734-2159.

s Talofofo

SAT10 Testing continues through May 11. Here are some tips: Be on time for school. Get a good night's sleep. Eat breakfast at home or at school. Come to propagandize every day.

Art of Healing Art Show: Our school's art drawings are on arrangement from now until May 17 at the Agana Shopping Center.

GDOE Coins for Cancer: Talofofo Elem. School is participating in the American Cancer Society-Relay for Life Coin Drive. Donations will be collected from May 1 to May 18, 2012. Please place lax coins in a ziploc bag and give to Homeroom Teacher.

Mother's Day Gram: Orders are being supposed until May 4. Card Grams are $2 each.

Students are NOT to be forsaken off before 7 a.m.

No toys/electronic equipment authorised in school. Items will be taken divided and relatives will have to collect it up in the office.

Box tops for preparation are being accepted. They might be forsaken off in the categorical office.

The i*recycle bin is now located on-campus. Drop equipment in the smaller bin with the student's name and room number, to assistance support the school.

Call 789-1171/1386.

s Tamuning/LBJ

Tamuning

Call 646-5046

s LBJ

Call 646-8058

s Upi

Promotional Dates: Kindergarten 8:30 -10:30 a.m., May 30. Fifth category 8:30 -10:30 a.m. Jun 1.

Kindergarten packets can be picked from 8 a.m. to 3:30 p.m.

Visit http://upielementaryschool. weebly.com for more propagandize information and updates, or call 653-1371/2.

s Wettengel

Call 632-7770/7870.

MIDDLE SCHOOLS

s Agueda Johnston

PTO Meeting on May 9, 2012 at 6 p.m. in Room # A1.

Guam DOE Coin Drive for Cancer on May 1-18. Please have your child make a concession with one of our SBA and NJHS officers and members.

Last day for students at AIJMS will be Jun 5. Teacher growth will be hold Jun 6.

Next primogenitor clergyman classification open on May 9, 2012 at 6 p.m. in Room # A1.

Call 472-6785

s Astumbo

Parent Portal live: Access your children's grades, assemblage and teachers through the Internet. Parents might stop by the propagandize from 7:30 a.m. to 4 p.m. to pointer for their password. Call the propagandize for inquiries.

Student dump off is no progressing than 7:30 a.m. Pick-up time is no after than 4 p.m.

Parents contingency yield pure or filigree bag for their child's daily use as well as for P.E. and sports.

Main bureau hours are 7:30 a.m. to 4 p.m.

Call 300-2610.

s F.B. Leon Guerrero

2nd Annual Family Math Night will be on 6 to 8 p.m. May 11. Admissions and diversion counter are free. Lots of raffle prizes to give away.

Hawk's Day at Agana Shopping Center from 10 a.m. to 4 p.m. on May 26.

4th Quarter Progress Reports will be expelled out to students commencement May 8. Please call propagandize if you did not get your copy.

Last day for students is Jun 6.

FBLG will be hosting Summer School on-site for giveaway and will be usurpation incoming 6th, 7th, and 8th graders. Please collect up registration packets in the categorical office. Summer propagandize will be from Jun 18-July 31. Student Orientation will be on Jun 15.

All IOUs for breakfast/lunch and lost/damaged textbooks need to be privileged before all papers will be expelled to any tributary school. Deadline to transparent is on Jun 6.

Office hours are 7:30 a.m. to 4 p.m. daily.

Call 653-2080 or email: fblg.middleschool@gmail.com, or revisit www.gdoe.net/fblg.

s Inarajan

Student puncture cards have been distributed. Ensure that your child earnings their puncture information label to their homebase teacher.

Campus gates do not open until 7:40 a.m. Students should not be forsaken off at propagandize before 7:40 a.m.

School uniforms are imperative and might be purchased at Gino's, Agana Shopping Center.

Call 475-0673. The propagandize website is www.gdoe.net/ims.

s Jose Rios

May 12, 26: The school's math scholars module for second division at the school. Students should move their reserve and snacks and a drink. See any math clergyman for more information.

The Powerschool Parent Portal is now available for relatives to examination their child's grades. Access to this website and your child's grades are cumulative around particular entrance codes per child. Visit the propagandize for your entrance code; suitable ID might be required. Training for this device will be hold at 6 p.m. Mar 16 and Mar 21 in the propagandize cafeteria.

Donate old uniforms you do not need any more to the bureau any time.

Call 475-2415/6

s L.P. Untalan

May 17: Parent Teacher Association open at 6:00 p.m., amphitheater

May 28: Memorial Day holiday (no classes)

June 7: Last day of classes for students (end of 4th quarter)

June 8: Teacher/staff growth day (no classes)

Summer propagandize will be hold from Jun 18 to Jul 31, Tiyan campus from 8 a.m. to 12:30 p.m.

Visit www.gdoe.net/ums for more updates. Call 735-3110/1.

Call 735-3110.

s Oceanview

May 11: WASC veteran staff growth half day 8:30 a.m. to noon. Breakfast and lunch will be served. Dismissal at noon.

June 4: Eighth category end of year awards rite at 9:30 a.m. in the gym (if complete); or the Sheraton Laguna Guam Resort.

Fourth entertain function inducement contracts are in place. Any tyro receiving vital mention through Jun 4 will not be authorised to attend end of year activities (end of year awards rite and fun day).

The i*recycle module is ongoing. Have your child move in aluminum cans (soda or drink cans only, uncrushed) to the school's categorical bureau to pointer in for the child's additional credit for scholarship category and staff to establish amount; then dump off cans in the i*recycle bin (without cosmetic bags) behind the cafeteria.

Call 565-2961/3.

s V.S.A. Benavente

Educational Talent Search, or ETS, meets during lunch time on Monday at the library. Monthly newsletters are mailed out to students' mailing addresses at the end of the month. Call Louise Togawa at 632-0141 or the a ETS categorical bureau at 735-2246.

8th Annual 5K Fun Run/Walk is May 5. Show time is 5:15 a.m., go time is 6 a.m. Cost is $7 per person, $20 for a organisation of four, and $10 on competition day. For more information, call Louise Togawa at 727-5005, Patricia Fejeran at 632-2672, Jean Tabobo at 488-5679, Dorris Abagatnan at 486-2235 or DorisMarie Salalila at 632-0141/787-0160. All deduction will go to squeeze our confidence cameras for our campus to keep our students safe. Register at Benavente Middle School Main Office or at Hornet Sporting Goods.

School uniforms might be purchased at Royal Bics.

Call 632-5647.

HIGH SCHOOLS

s George Washington

Parent portal entrance letters (for entrance to perspective your child's academic, assemblage and other information online) are available for parents/guardians to collect up at the propagandize from 9 a.m. to 2 p.m. Present a current ID for confidence purposes.

For wings adoption, call Darlene Roberto at 734-2911, ext. 3083 or email: daroberto@gdoe.net.

Hooded jackets, hats, electronic devices, including ear phones, are not allowed. Such equipment will be confiscated (refer to residence process 401). Any defilement of dungeon phone process will outcome in lien with no warning/counseling.

Confiscated equipment will be rejected after 7 days from date of confiscation. The propagandize will not be hold obliged for equipment in the control thereafter. Pickup of confiscated equipment and requests for verifications will only be from 9 to 10 a.m. (for parents/legal guardians only).

Students attending the propagandize who are of the mandatory age of 13 to 15 will automatically be referred to the law-breaker officer if absences are excessive.

Call 734-2911, ext. 3089/91/3109, or revisit www.gdoe.net/gwhs; email: gwhsguam@yahoo.com.

s John F. Kennedy

PTSA open on at 6:30 p.m. May 10 in the JFKHS cafeteria. Out-of-District Applications for propagandize year 2012-2013 will be given to meddlesome relatives and guardians at the meeting. Applications will only be given on this day only and are due by 3 p.m. May 18. No late applications will be accepted. Out-of-District focus does not pledge that your child will be supposed into JFKHS. The propagandize will forewarn the standing of your focus a week before propagandize opens or two weeks after the start of the propagandize year.

Team TAGA is sponsoring a drive (through May 18) to collect donations for Guam San Jose (homeless shelter) as part of their use training project. Please present toiletries (towels, soap, toothpaste, shampoo, etc.) and cleaning reserve (Clorox, Pinesol, Comet, etc.). You might dump equipment in the Main Office.

SENIORS: Cap and gowns are here and prepared to be picked up. Distribution will be finished during lunch and after propagandize only.

SUMMER SCHOOL: Mandatory Parent/Student Orientation 6 p.m. Jun 14 at the gym. Session A: Jun 18-July 9/Session B: Jul 10-31; Monday-Friday from 7:30-11:30 a.m. Students contingency yield their possess transportation.

Team Taga is sponsoring a drive through May 18 to collect donations for Guma San Jose homeless preserve as part of the use training project. Donate toiletries such as towels, soap, toothpaste, toothbrushes, shampoo and more and cleaning reserve such as glass bleach, hunger disinfectant, disintegrating cleaner and more, to the categorical bureau or any Team Taga clergyman or student.

New, old and use eye eyeglasses are being collected this month to assistance those who might need them. Drop off eyeglasses to the categorical office, nurse's bureau or the ESL coordinator's office.

Support the i*recycle module by donating old phonebooks. I*recycle T-shirts are being sole for $10 each; go to D222 or D223 for inquiries.

Visit www.gdoe.net/jfkhs. Call 642-2100/2/2106/4332/3/5.

s Okkodo

Mid-quarter swell reports have been expelled to your child. If you have not perceived one, call the school.

Call 300-1870/1878/1882.

s Simon Sanchez

Sign up for ASVAB with propagandize counselors.

Students holding the allege chain examination need to make remuneration with the business bureau and register before Apr 15.

Students meddlesome in signing up for respect classes subsequent year might collect up packets in the categorical office.

Seniors are reminded to transparent financial obligations before May 10.

Call 653-2313/2318/3625/ 2327/2336/2330.

s Southern

The school's annual from 1999 through 2010 propagandize years is on sale for $50 (no annual for 2008 is available). Call the propagandize at 479-2113/4.

PTSO monthly open is hold each third Thursday.

Call 479-2112/4/2102

ALTERNATIVE SCHOOL

s J.P. Torres

Please embody the following in the preparation refurbish for J. P. Torres Alternative School:

May 28: No classes/ Holiday in tact of Memorial Day.

"GO LIVE" Financial Aid Application seminar presented by GCC/ College Access Challenge Grant Program: Apr 30 and May 2: 3 to 5 p.m. at Department of Youth Affairs LAGU Center, opposite Maria Ulloa Elementary School from

May 7, 8: 3 to 5 p.m. at DYA Central Center, apparatus core in Toto

May 15, 16: 3 t 5 p.m. at DYA Haya Center, opposite Mr. Carmel School in Agat

Bring amicable confidence number and or 1040 finished taxation form.

Every Tuesday: Anger government session, 9:30-10:15 a.m.

Every Friday: Girls Group/ Social Skills Group conversing session.

Office hours are 7 a.m. to 3 p.m., Monday-Friday.

Call 565-5291/5647.

PRIVATE SCHOOLS

s Academy of Our Lady of Guam

Join the school's Advancing Women Educationally, or AWE, module to assistance ready for the GED test. Women age 18 or comparison who do not have a high propagandize diploma and who validate are eligible. Classes will be hold each Saturday at the propagandize campus. An estimation exam contingency be taken to establish math and denunciation skills turn before to attending classes. Call Marilyn Magofna at 734-7407 or email: tonlyn123@guam.net or the propagandize at 477-8203.

Visit www.aolg.edu.gu or call 477-8203.

s Asmuyao Community School

Call 475-9276/482-1847.

s Bishop Baumgartner Memorial Catholic School

Call 472-6670.

s Evangelical Christian Academy

Call Lori Parr or Darlene Gibson at the propagandize at 734-3241 for inquiries.

s Father Duenas Memorial

School's website is www.fatherduenas.com. Call 734-2261/3.

s Guam Adventist Academy

Call 789-1515, 8 a.m. to 4:30 p.m.

s Harvest Christian Academy

Call the propagandize bureau at 477-6341 for inquiries.

s Notre Dame High School

Call 789-1676/1745

s Our Lady of Mount Carmel

Call 565-5128 or 565-3822.

s Pacific Christian Academy

Call 637-4900 or revisit the bureau at 109 East Nandez Ave. for more information.

s Providence International Christian Academy

Call Paula Schmidt at 969-1981.

s San Vicente

Call 735-4240.

s Santa Barbara

May 5-10: Final exams (first- through seventh-grade).

May 11: Teacher record day, no school.

May 15: Eighth-grade graduation, no school.

May 17: Field day.

May 18: Kindergarten graduation, STU-CO carnival.

May 21: Interscholastic awards day.

May 22 to 23: Class margin trips/outing.

May 24: Awards day (first- through seventh-grade), last day of school.

Registration for 2012-2013 propagandize year is ongoing.

School website: http://sbcs.edu.gu. Email: info@santabarbaraschool.org, or info@sbcs.edu.gu; or call 632-5578.

sSaint Anthony Catholic

For the 2011-2012 propagandize year calendar: Visit stanthonyschoolguam.org.

Call the propagandize at 647-1140/43.

s St. Francis School

Call 789-1270/1350.

s St. John's School

Call 646-8080 or visit: stjohnsguam.com.

s St. Paul Christian, north and executive campuses

Open enrollment for grades K3 through fifth-grade (north) and K3 through 12th category (central). Call Bonnie at 637-8534/8544 or Dolly at 653-1311/13, or revisit www.spcsguam.com.

s St. Thomas Aquinas

Visit www.staguam.com. Call 473-7821.

s Southern Christian Academy

Call 565-7020.

s Temple Baptist Christian School

Call 477-9507 or email: templebaptistschoolguam@gmail.com for information.

PROGRAMS

s Department of Education Extended Day (DEED) program

Parents who are formulation to enroll their children in the module subsequent entertain are reminded that registration fees contingency be entirely paid before their child can start classes. Third entertain ends Mar 26. Fourth entertain starts Mar 27. Fee is $75 per child. Call or revisit your propagandize for more information.

s Guam Training Center

Call 649-1893; or email: GuamTrainingCenter@gmail.com.

s Ivy Educational Services

Call 646-5792.

s Lee's Learning Center

Email: leejohnyang@hotmail.com.

s Steps Tutorial Center

Offers math, English, reading tutorials for all levels and College Board SAT Review for math, English, and writing. Free comment and registration opposite St. John's. Call 649-3878.

s Sylvan Learning Center

After-school and weekend preparation with personalized programs (kindergarten through 12th grade) formed on standardised evidence assessments in writing, math (algebra we and II, geometry), reading (beginning/academic), SAT prep, and investigate skills. Call 477-0700 or revisit sylvanlearning.com.

s Talent Box

Call 475-8269 or email: thetalentbox@gmail.com.

s Tutor Time: Partner in Academic Success

Academic enrollment for 3-, 4-, and 5-year-olds is being accepted, half or full day. Also after-school preparation in all educational calm areas, ASVAB, GED, and SAT. Pick up focus at 209 Dona Lane, Dededo. For inquiries, call 632-9803.

UNIVERSITY/COLLEGES

s Guam Community College

College Access Challenge Grant Program -- giveaway preparation sessions for middle, high propagandize and adult high school/GED students -- has begun at all open schools and comparison private high schools. The sessions, hold Monday through Saturday at GCC and propagandize campuses, are designed to sharpen, keep or supplement to the different subjects at school. To register, or for more information, call Millie Lujan Afaisen, Lila Cruz or Pascual Artero II at 735-5565/0221 or email: gcc.cacgp@guamcc.edu.

CACGP giveaway refresher courses and preparation 10 a.m. to noon, noon to 2 p.m. each Saturday, to support center and high propagandize students in math, English, ESL, SAT prep, mechanism preparation and more. To register, on a first-come, first-served basis, call Millie Lujan Afaisen, Lila Cruz or Pascual Artero II at 735-5565/0221 or email: gcc.cacgp@guamcc.edu.

s University of Guam

The UOG Educational Talent Search Program is a college prep module that seeks to raise the educational opportunities of center and high schools students. Applications are being supposed for ninth- through 12th-graders attending any of the Guam open high schools. Enrollment is open on a first-come, first-served basis. Interested relatives and students might call 735-2246/50/1990, email: ets.uog@gmail.com, or revisit the categorical TRIO Office at the UOG margin house, first floor, for applications/information.

The K-12 preparation remodel bid that has dominated the Iowa Legislature this open will expected cap in a stripped-down package of process supplies on a shoestring budget.

House and Senate preparation leaders worked through the day Friday to strech a compromise, and many uncertainties sojourn over the final figure of reform.

That said, several pivotal elements of the package creatively introduced by Gov. Terry Branstad as part of a multi-year remodel bid apparently will be dropped, presumably because of narrow-minded disagreements or warning over investing state income to account them.

“Nobody’s going to get all they wanted, but we think we’re going to have some poignant things to put on the table,” pronounced Ames Sen. Herman Quirmbach, the heading Democrat in the negotiations.

House and Senate members of a corner cabinet charged with anticipating concede pronounced they hoped to see a final understanding fuse over the weekend, putting them on lane to approve it and presumably pierce it through the full Legislature this week.

Branstad’s original devise called for many inclusive reforms, including several new contrast regimes meant to consider tyro and clergyman success; a new importance on early-grade preparation that mandates holding back ignorant third graders; and expanding licence schools and online education.

Lawmakers concerned in these late-stage negotiations declined to contend what accurately would be forsaken from the bill, solely that the elements costing income were the primary targets.

“Part of the problem is the House Republicans don’t want to spend any money,” pronounced Rep. Sharon Steckman, D-Mason City and a member of the House-Senate discussion committee. “You can’t really do ed remodel but investing a little bit of money. That’s tying what we can do.”

The cost of several progressing proposals ranged from $5 million to $8.9 million for the entrance year, according to analyses by the Legislative Services Agency.

The biggest singular strike to the state check would come from the new contrast programs — including imperative college-entrance or career-prep tests and end-of-course exams for high schoolers — at $4.9 million.

House Republicans themselves, while acknowledging that the more costly elements could be jettisoned, emphasized that the final package would be made by the success Republicans and Democrats have in reaching compromise.

“I’m not disturbed about the dollars right now, I’m just perplexing to get ironed out what can we determine on,” pronounced Rep. Royd Chambers, R-Sheldon, and a lead adjudicator on the concede bill. “Can we move a decent check to the building or not? We’ll worry about the appropriations after if we need to.”

Earlier House Republican proposals for appropriation the remodel targeted income from existent programs, including a state extend that helps schools revoke category sizes. That didn’t lay well with Democrats or preparation officials, pronounced Jean Hessburg, a mouthpiece for the Iowa State Education Association, the state’s largest teachers’ union.

Now, the tongue seems to be that if all the required appropriation isn’t appropriated, the reforms upheld this year won’t be immediately enacted, pronounced Brad Hudson, a lobbyist for the association. But that’s not a good comfort for schools, since underfunding the remodel still could emanate a conditions in which districts contingency prioritize and potentially cut back on existent programs and services, he said.

Sen. Brian Schoenjahn, D-Arlington and authority of the Senate subcommittee on preparation appropriations, pronounced he views much of this year’s work in preparation remodel as an outline of what’s to come in destiny years, rather than a large evident change in preparation reform.

“We will have a extensive process check for a highway map fortuitous on appropriation that could take several years to put into place,” Schoenjahn said. “I don’t think it’s picturesque to contend we’re going to remodel preparation in 4 months of legislative meetings.”

Discover how to make an email list with the secrets inside Digital Marketer's "Double Your List" RAW Training.

Austin, TX (PRWEB) May 06, 2012

“If marketers know how to make an email list, because isn’t every caller to their website signing up for a subscription?” asked today’s DigitalMarketer.com article. There’s no elementary pretence or sorcery wand that can now boost email recipients, but it is a good indicator of the condition of a business. Large lists meant vast bearing ratios, and eventually more opt-ins for online sales and offers. Just creation a list doesn’t finish the task; the essay pronounced pushing more and more email subscribers to it is the categorical objective.

That’s because Digital Marketer is providing a must-have training course in email subscription techniques called “How to Double Your Subscriber List Without Doubling Your Traffic.” It draws courtesy to the critical tie between list members, sales, and profits, which in spin concede more selling income to be spent elsewhere.

The essay pronounced even though training how to build mailing lists isn’t mind surgery, it’s also not directly transparent what changes need to be made but doing a little research. Digital Marketer excels in that department, and has analyzed tons of information to make accurate and effective suggestions.

“Double Your List” is being offering in two formats: one is a RAW Training webinar, and the other is a Special Report. The RAW Training chronicle began life as a live webinar, presented to Digital Marketing Labs members who were means to correlate with the presenter in genuine time. Afterwards, a recording of the webinar was made available on DigitalMarketer.com. The information was also comprised in a Special Report, which can be downloaded as an e-book, pronounced the article.

Paying for something like trade era gets intensely pricey, but the essay pronounced some marketers insist it’s the only way to build an email list. Digital Marketer will assistance businesses know that as the biggest, most costly mistake they can make, generally if they’ve paid little courtesy to their email subscription efforts up to this point. Conversions are the categorical concentration of “Double Your List,” and Digital Marketer gives the 10 best practices for boosting them, pronounced the article.

Digital Marketer releases Special Reports to assistance businesses and entrepreneurs benefit discernment and information on the trends, data, and strategies that can take them to the tip of their industry. Through training courses, vital plans, blogs, and Special Reports like this one, Digital Marketer supercharges every singular selling debate it touches. For more information, revisit DigitalMarketer.com.

Digital Marketer is holding zero back in the hunt for softened email lists and successive conversions, the online essay said. Businesses that welcome their best practices and occupy them for their possess email lists are unfailing to have good success. To learn how to make an email list that promises conversions, deliberate the consultant superintendence in “Double Your List” today.

Dennis Murphy
Digital Marketing Labs, LLC
512-892-3022
Email Information

MUMBAI: The banking, financial services and word (BFSI) companies are expected to extent their compensations to singular number numbers this mercantile due diseased mercantile environment, experts have said.

"BFSI zone doesn't look expansive at all and remuneration travel would be extrinsic and expected to be in a singular digit, and that too, to equivalent inflation," Symbiosis Management Consultants CEO Vinay Grover told reporters.

He serve pronounced that income cuts though wouldn't have happened as of now, but the vast bonuses or non-static member seemed to be a thing of past and have almost dead from the remuneration package.

"Last year, on an average, the income have come down by normal 20-40 per cent depending on the seniority of the professionals," he forked out.

TeamLease Services General Manager, Team BFSI, Ajay Shah said, "On an average, it has left down to singular number hikes this year. We are nonetheless to declare the tangible as the Performance Management System (PMS) for India Foreign Investors (FIs) will be rolled out by subsequent month. However, even there, it will not be encouraging."

He, however, pronounced the stream unfolding seemed like churned sentiments, as there are vast Indian FIs, which are transparent on their expansions and the small ones are looking at converging this year, he said.

The zone is confronting a misunderstanding mostly due to factors that are a multiple of Indian mercantile sourroundings and tellurian recessionary mercantile conditions, quite in the US and Europe.

Foreign banks and investment bankers have been struggling to keep afloat and the new reports that a lot of employees are made surplus is idea that all is not well within the sector, Grover said.

"Volatile batch marketplace would keep investors in equities and holds at bay, so bringing down the altogether sentiment. The layoffs would seem to be more advantageous preference in front of the companies to save their sagging bottom lines," he said.

Last year, unfamiliar banks like HSBC, Citibank and investment Banks like UBS, Nomura laid off employees trimming from 100 to 1,000 in the Indian context, he said.

However, the domestic banks and FIs refrained themselves from display pinkish slips, but were discreet on hiring, he added.

This debility in the financial zone would have a approach temperament on genuine estate, infrastructure and the sectors, which need large investments like power, he added.

WASHINGTON — It’s been scarcely two years since Congress upheld the most unconditional financial remodel law since the Great Depression, the Dodd-Frank Wall Street Reform and Consumer Protection Act.

But banks and other businesses in Tennessee are still sifting through the law’s 848 pages to figure out how the regulations mandated will impact them.

So far, they say, it doesn’t look good — at slightest from a banker’s perspective.

“It’s a extensive volume of law that will be very costly to approve with, and expected feeble engineered since it has to be rolled out so quickly,” pronounced Terry Turner, arch executive of Pinnacle Financial Partners, a Nashville-based bank with locations in 8 Middle Tennessee counties.

Bankers have copiousness of complaints about Dodd-Frank: It’s complicated, costly to approve with and penalizes even those banks that shunned the untrustworthy practices that led to the financial crisis, they argue.

But what bothers bankers the most is the doubt combined by the law.

Only about one-hird of the 390 manners mandated by Dodd-Frank have been finalized, and the rest have not been due nonetheless or are in regulatory limbo, pronounced Anna Pinedo, a partner at San Francisco-based law organisation Morrison Foerster LLP, which sends clients daily emails on the topic.

“For where we are, which is almost at the two-year mark, that’s not a good result,” Pinedo said. “On a lot of pivotal issues, we still don’t have petrify answers. Uncertainty paralyzes people.”

Republican Sen. Bob Corker of Tennessee, a censor of the legislation, has echoed that concern.

Credit concerns

“I think all reasonable people can and did determine that there indispensable to be more slip of the banking system, but this legislation was a vital overreach that has combined doubt via the economy and threatens to make credit for consumers and businesses more costly and reduction available,” Corker said.

The law aims to rein in unsure trade on Wall Street and strengthen consumers from rapacious lending and other violent financial practices.

Bankers disagree that perplexing to figure out how to approve raises their costs. Turner expects to supplement staff and sinecure outward consultants to hoop some of the 90 Dodd-Frank regulations that he thinks could impact a bank like his.

“I wouldn’t think each of the 90 will cost $700,000 a year, but we wouldn’t be astounded if one of them does,” he said.

Doug Cruickshanks, arch executive of Lexington, Tenn.-based FirstBank, pronounced 7 of his 600 employees concentration only on regulatory compliance. He skeleton to sinecure more to understanding with Dodd-Frank manners as they come out.

“Who pays for that?” he said. “Any one sold law might not be that toilsome or expensive, but when you supplement them up, it raises the cost of doing business for banks, and eventually the consumer ends up profitable for it.”

David Min, associate executive for financial markets process at the liberal-leaning Center for American Progress, likens grumbling over Dodd-Frank to complaints about the financial reforms upheld after the Great Depression.

“Yes, they cost income and prevented banks from doing what they wanted, but we had a fast financial system,” he said. “This saves taxpayers income over the long run.”

Most of the supplies in the law are directed at incomparable banks, Min said. For example, only banks with more than $15 billion in resources are theme to new manners tying the volume of debt they can take on.

But others contend certain supplies will disproportionately strike small banks and credit unions, nonetheless it’s hard to pinpoint accurately how yet.

Wayne Hood, an profession in the Nashville bureau of law organisation Miller Martin PLLC, pronounced banks the size of Citigroup and Bank of America have copiousness of employees lerned to make sure their companies approve with the requirements.

“But if you’re a village bank somewhere in Middle Tennessee or another state, those are luxuries you can’t afford, and you have to compensate outward folks like our law firm,” Hood said.

Such losses could put lots of smaller banks out of business and let the biggest financial firms win, pronounced Cruickshanks.

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• 

Puerto Rico City

Puerto Ricans would finally parlay their imagination in arts, party and sports to emanate the place where everybody eventually wants to be and be seen.

Atlanta, GA (PRWEB) May 06, 2012

Puerto Rico City, a new novel by David R. Martin, proposes the origination of a mega-entertainment city on the easterly seashore of Puerto Rico. The closure of the 13-square-mile U.S. Naval Station Roosevelt Roads in 2004 presents this ancestral mercantile growth opportunity. The book's categorical character, Lino Mendoza, seizes on the thought to end the domestic recession and mercantile skirmish of the U.S. island territory. But army of globalization, personified by a expel of general business predators and politicians, find to derail the bid to lift Puerto Rico to general stature.

There will be no second possibility to build Puerto Rico City, a city to obscure Las Vegas, Macau and Dubai, where Puerto Rico's healthy talents in entertainment, music, sports and the humanities can find a universe category showcase. In a competition opposite time and domestic upheaval, Lino contingency move about the improbable.

The novel straddles the 2008 tellurian financial predicament and projects over the 2012 U.S. and island elections. The story also highlights the dispute of Puerto Rico's obscure domestic attribute with the U.S. and the graphic chronological and informative identity.

The author, David R. Martin, was innate in Toledo, Ohio. After attending high propagandize and personification football in Puerto Rico and Connecticut, he graduated from Amherst College in Massachusetts, where he complicated literature, story and economics. For more about the novel and the author, greatfully visit: http://www.puertoricocity.com

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CHICAGO -- Growing up with a financial services idol for a father certainly gave Carrie Schwab-Pomerantz an inside advantage in training about money.

After all, she got to constantly "talk to Chuck," as the long-time promotion aphorism for Charles Schwab Co. urges. The genuine Chuck, Charles R. Schwab: association owner and chairman, colonize in the bonus brokerage business, and Dad.

The humorous thing is, he didn't plead income with her much at all or even give her an allowance, his nonetheless-admiring daughter recalls.

"He should have talked more," pronounced Schwab-Pomerantz, a comparison clamp boss at Schwab and distinguished disciple for financial literacy.

Schwab did learn in her the significance of saving and carrying a clever work ethic. Those are both part of the substructure of financial recognition she says is essential to achieving a secure retirement.

"People should be well-informed about income so they can ask the right questions and make good decisions," pronounced Schwab-Pomerantz. She's also boss of the Charles Schwab Foundation, which aims to assistance people and families grasp financial well-being.

A approved financial planner in her possess right, Schwab-Pomerantz serves on the President's Advisory Council on Financial Capability and, with her father, co-authored the book "It Pays to Talk: How to Have the Essential Conversations With Your Family About Money and Investing." She and her husband, author Gary Pomerantz, have 3 children and live in the San Francisco Bay area.

She common her thoughts on how Americans can say financial fitness, as she calls it, from childhood through retirement in a new speak with The Associated Press in and with National Financial Literacy Month. Here are edited excerpts:

Q: Everyone seems to determine that financial education in this nation is lagging. What can be finished about it?

A: we wish Congress would facilitate all the choices people face for saving for retirement. One thing the president's legislature is looking at is carrying one IRA from birth that would be your assets comment for retirement for the rest of your life. That promotes being concerned with your money, and saving, and removing meddlesome and associating about it.

Q: So how do relatives learn their kids about money?

A: I'm a big follower in starting to learn your kids when they're young. Give them an allowance, get them to save at an early age and have them get jobs when they're a little older. Kids who work are much more expected to be stellar savers. And start articulate to them about retirement, even though it's "boring." we also think it's a good thought to get them a credit label when they're about 16 and have them use profitable it off on a monthly basis.

Q: What did you do with your possess children (now 23, 20 and 15)?

A: we made them all get jobs. We're such a rich multitude that we spoil our kids.

Q: What about adults - how do you suggest they turn more financially savvy?

A: It's really critical for families to speak about income and investing. And it's quite critical for baby boomers and all those over 50. The mercantile downturn, we believe, had a lot to do with the miss of financial education in our country.

Q: What are the biggest mistakes in retirement planning?

A: Not being well-informed and starting to save too late.

May 6, 2012 7:29 am

By Lachlan Colquhoun