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Wednesday, March 21, 2018

Quick Guide to An Insurance Claim

earlier than whatever else, we first need to apprehend what an insurance declare is. this way we can better appreciate the whole technique and it really turns into smooth to undergo due to the fact we already understand what to do grade by grade, on the subject of the entire process.

a declare is when you ask the coverage business enterprise to compensate you for damages you have sustained after a car twist of fate, or whilst you ask the coverage enterprise to symbolize you or interfere for your behalf while you are responsible for damages.

you pay a variety of cash for your automobile coverage, so it makes sense that in case you are concerned in an accident, you'll want to make a claim. relying on whether or not the accident is responsible, or not responsible, and the sort of harm, your insurance agency might be able to provide insurance based at the kind of vehicle insurance insurance you have got.

claims can be paid from the complete coverage, collision coverage, or any of the minimal automobile coverage requirement sections, such as legal responsibility. claims may also be paid from a couple of sections of your policy relying at the situations of your automobile crash.

if you are wondering whether your collision claims process will be greater difficult to endure than the coincidence itself, the coolest news is that filing a claim is generally pretty easy. by using following a systematic method and carefully recording what has took place, you may gather all of the information you need. the following pointers will assist you make certain the technique goes easily.

at the coincidence scene

one of the quality approaches to hurry up the whole claims process is to get off to the proper begin, and that starts at the coincidence scene itself. the more properly records and proof you may accumulate there, the better.

right here's what to get:

non-public facts: try to get fundamental personal information from all and sundry at the scene. that includes all different drivers, passengers, and bystanders. get their names, cellphone numbers, and domestic and email addresses. some thing in an effort to make it less difficult to locate them later. if you have time, take some notes about what each witness noticed and heard. skip all of this records alongside for your claims adjuster, however be sure to keep copies for your self.
insurance statistics: this is in particular essential. ensure to trade insurance records with the drivers of all motors concerned in the twist of fate. it's probably going to be the primary aspect your adjuster asks you for.
images: take a bunch of images of the coincidence scene. if you may get pix earlier than the vehicles are moved out of the way, extraordinary, however don't create a risky situation just to take them. truly take photographs of all damages in your automobile, each different automobile involved, and some thing else. take a few snap shots of the accident place as nicely. a few special angles are usually helpful. take snap shots of the events worried and all witnesses, if you can. and, in the end, take photos of each celebration's insurance card.
law enforcement: always call the police after an twist of fate. they'll or won't be able to reply, however it's constantly worth a strive. when they arrive, make sure to get the officers' names. they'll acquire their personal records and take interviews for their document, and train you on the way to reap a replica the file once it's miles written up. hold onto whatever office work they give you and skip on copies on your adjuster.
contact your insurer asap
i am sure you've heard the pronouncing, "maximum crimes are solved in the first 48 hours after the incident." this is due to the fact the crime scene remains intact and the info are nevertheless fresh inside the minds of the witnesses. it is sort of like that with an automobile accident. we are now not speaking approximately against the law here (i'm hoping), but the idea still works. the sooner you contact your insurer, the simpler it is going to be for them to make the inquiries they need to get the maximum correct statistics. it's now not a terrible concept to call them from the scene of the twist of fate, if viable.

be cooperative and spark off

most small injuries are extraordinarily easy in your adjuster to address. she or he has accomplished them masses of instances over. that doesn't mean that a declare cannot be held up via some lacking piece of evidence or facts.

if your adjuster calls you and leaves a message to name her or him returned, do it as soon as you could. correct verbal exchange between insurer and claimant is essential. plus, it is difficult to complain about gradual processing if you're the one maintaining it up.

be honest

this rule appears obvious, but not absolutely everyone follows it. it is human to need to avoid pain, and admitting that you are at fault on your coincidence may be quite painful. however if you are at fault, do not try to get out of it with the aid of mendacity. first of all, coverage adjusters have a variety of experience with injuries and fibbers.

they may be absolutely accurate approximately figuring out what sincerely happened and that can be pretty horrific for you in case you are much less than forthcoming with the facts. do not forget "double indemnity"? coverage fraud is frowned upon and will price you loads more money than the top class boom you will possibly get by way of admitting fault.

and in case you're seeking out a fast end to the claims process, being cheating will really gradual it down, and every now and then bring it to a crashing halt.

How Important Are Insurance Carrier Ratings and Insurance Tracking Solution Software?

what is an coverage policy? it's miles a promise or an assurance to pay in case of a included damage or loss. the insurance carrier promises to cover the loss and pay at some point of a economic catastrophe. although, the economic insurance has turned out to be pretty complicated and high-priced, yet a great coverage can be your only safety in opposition to the monetary catastrophe at some stage in a critical claim. have you ever ever concept how would your condition be if the coverage organisation fails to maintain the promise at some stage in the time of your need? this is in which the insurance monitoring solution software comes ahead.

it is not an smooth mission to predict which coverage provider is the fine and safe, out of numerous options to be had. but, the rankings supplied by means of numerous companies can be of tremendous help to choose the maximum depended on one inside the crowd. the carrier goes thru rigorous evaluation procedures comprising reviewing enterprise plans, reinsurance, financial statements, interest costs, rules, credit score, investment standards, and real reporting for being rated. such extreme evaluation helps in measuring the real capabilities of solvency by means of the providers.

the scores are given the use of noble benchmarks between grades a to f. the insurance corporations possessing grades a++ or a+ are taken into consideration to be the superior ones inside the entire enterprise. the amazing ones are rated a or a- and the good ones are rated b++ or b+. the insurance organizations' rankings between a and b are considered financially at ease agencies and the carrier score c are said to be on the marginal line. every insurance provider has north american industry class gadget (naics) codes to identify the specific rating. it enables to classify each service within the industry to acquire, analyze, and post the statistical data.

coverage provider thresholds & why it subjects

you should be wondering what an insurance carrier threshold is. it's miles nothing but a tested manner to lessen the threat. often it turns into hard for a organization to undergo the economic facts and rankings on a regular basis. in such instances, even supposing the rankings of their trusted and useful coverage situation pass down, the institutions continue to be unaware. this requires a risk of the broken promise from the selected insurance organisation's stop.

in an effort to forestall this sort of risk, the private entities and public agencies create a threshold for the insurance agencies. they pick out to have the score certificate of the insurance holders. the threshold mentions that the coverage company need to be no much less than a c+ rating. this serves as danger reduction if for any cause that unique coverage provider is going beneath the edge.

the licensed insurance software program helps to replace the provider ratings on a quarterly foundation. so, in case of this kind of situation where the insurance firm fails to hold the threshold assigned by way of the employer, the administrator of the distinctive software program gets a note that the insurer could have to switch to an coverage service that might meet their compliance standards set by using the insurers for the enterprise.

best the financially sturdy coverage businesses can in all likelihood recognize the insurance agreement and reimburse the claims as pledged. within the case of lack of ability to pay the claims, it puts your commercial enterprise in chance of bearing the complete invoice for the massive damages from court docket complaints. selecting a superior insurance employer can contend with your enterprise's coverage settlement for an extended-term apart from assuring protection and peace of thoughts.

automate your chance discount

with a view to systematically reduce the threat, the insurance software program has no comparisons. such software program is constructed with a view to help the larger organizations do much less paper work and documentation and help their customers in specific ways. along tracking insurance carrier rating fingers-unfastened, insurance software program also tracks all of the certificates of insurance to make sure the certificates is updated, the coverage quantity is correct, and documentation is wherein it desires to be. similarly to these elements, if components of the files are not on par along with your organization's requirements, the insurance software dashboard permits for whole customization and automates reminders to your providers.

average, the certified coverage software effects manages every task and sync with the interface of the relied on 3rd birthday party organization, supporting you to choose the proper coverage carrier to your business enterprise.

Tuesday, March 20, 2018

6 Positive Approaches We Deserve From Elected Officials

We go, to the polls, and vote for individuals, who, will hopefully, focus on serving and representing, our best interests, the ideals of the nation/ our society, and the common good. Unfortunately, far too often, we elect someone, because, either we believe, he's the lesser of two evils, or are overly impressed by empty promises, and rhetoric. Often, politicians resort to negativity, and vitriol, rather than focusing on how to proceed, because, while it's somewhat, easy, to blame, and complain, this approach, rarely introduces necessary, viable solutions. Therefore, this article will attempt to briefly examine, and discuss, 6 positive approaches, we deserve and need, from our elected, public officials.
1. Motivate - don't go negative!: Regardless of one's personal, political beliefs, and/ or preferences, it should be somewhat apparent, that, at the present time, we are experiencing a level of polarization, and adversarial politics, which is, unhealthy, for a sustainable future. Only, when voters recognize, it matters, who they vote for, and why, will we select leaders, who motivate us, for the common good, rather than resorting to negativity, and rhetoric, focused on vitriol, and division! Whether one supports (or voted for) President Donald Trump, his penchant for name - calling, blaming and complaining, and his populist approach, is often opposed to, the best interests, and sustainability of the nation.
2. Unify, don't polarize: When Americans focus on coming together, for the common good, it unifies us, and lets us, position ourselves, positively, towards a quality, sustainable future, which protects the freedoms and liberties, this nation represents, and becoming a leader, in the world, for protecting the environment (including clean air, and water), etc.
3. Solutions, not just blaming and complaining: Many voters cast their ballots, for candidates, who complain about issues, which they are concerned about. Unfortunately, merely blaming and complaining, does not create solutions. When we hear, someone speak about change, the end - result, is generally, only satisfying, when it, is, for the better, in a meaningful way, which emphasizes sustainability, and evolving methods and approaches.
4. Outside - the - box, alternatives, not, same - old, same - old: While there is a need, to learn from the past, and gain the necessary experience, expertise, and judgment, one must be willing to transform his methods, approaches, pursuits, and options, considered, by being, ready, willing and able, to consider, outside - the - box, alternatives, with an open - mind, rather than proceeding, within the limits of one's comfort zone!
5. Under - promise, and over - deliver: Empty rhetoric and promises, is not meaningful leadership, which the nations needs, and citizens need, and deserve! Focus on voting for those candidates, who under - promise, and over - deliver, because they are prepared, to make a significant difference, for the better!
6. Relevant and sustainable, not populist: Some candidates, are elected because they articulate populist views, and positions, even though, often, these are not in the longer - term, relevant, sustainable, best - interests of our nation!
Wake up America, because it's up to voters, to take some personal responsibility, and elect officials, who will serve and represent constituents, rather than merely a political agenda, and/ or self - interest! Will you look, beyond the rhetoric and promises, and focus on the best possible future?

How Can A Criminal Attorney Help You?

One of the lowest points in your life is when you are involved in a criminal case for a mistake that you have committed. You might be charged a hefty amount of fine or could be jailed for several years, based on the severity of your crime. If you want to reduce your punishment considerably, you should hire a criminal attorney so that he can represent your case with great quality and efficiency. It is almost impossible for you to defend your case by yourself because you will not be able to identify the loopholes in your case and get out of it as you are not qualified for the same. This is where a criminal attorney proves to be a great blessing for you. Read on to know more about how they can help you negate your punishment or reduce it to a considerable extent.
1. A criminal attorney gets to the basics of your job and investigates the witnesses thoroughly so that he can draw conclusions about your case and devise strategies to represent them with clarity and conviction in the court.
2. Negotiating a deal is one of the most important duties of a criminal attorney. Through these deals, criminal attorneys arrive at a plea bargain, in which you will accept your mistake and arrange for a settlement, thereby getting your punishment reduced to a large extent. If you choose to represent your case by yourself, the court and the prosecution lawyers won't encourage your negotiation deals.
3. When you have a good criminal attorney representing your case, you get the power to restructure your sentencing program. For example, if you are sentenced to jail for a particular period, your attorney will argue on your behalf in such a way that your jail sentence is reduced, and you spend the rest of the period in a rehabilitation or awareness program so that you don't commit the mistake again.
4. Having an experienced criminal attorney will help you deal with mental depression and give you the confidence that your case is in a good pair of hands. You will be made familiar with the courtroom rules and regulations and the other local laws of your place so that you understand the intensity of your case.
5. Thanks to your criminal attorney, you will get a fair idea about your case and know the true picture. As he conducts a series of background checks on your case, he is in a better position to know the realities of your case and thus presents you with an honest opinion, thereby helping you to prepare for the worst. He, then takes the help of his expert team, to analyse the loopholes in your case and cross-examine the witnesses, so that he can reduce your punishment to the maximum possible extent.
From the above, it is clear that the services of a criminal attorney are indispensable when you are involved in any criminal case. Therefore, you should spend enough time and research to choose an experienced and professional criminal attorney to get the best of his services.
San Fernando attorney is your perfect guide when you are involved in a criminal case. He ensures that he works closely with your on your case and does all that he can to represent it with the highest degree of expertise so that your punishment term gets reduced to a large extent. You will be spoilt for choice in the city as there are many San Fernando attorney who are thorough experts in their respective fields, to help you in all kinds of cases.

Why Do You Need To Hire A Criminal Defence Lawyer

The law doesn't serve fair judgements at all times. Most of the times, you are held by the policy just because you were at the wrong place at the wrong time, even though you didn't commit any mistakes. You are made to pay a huge fine or serve a jail sentence, depending on the case that has been framed against you. If you are guilty, your punishment is more severe. During these times, it is very important to have a criminal defence lawyer to fight your case for you and make you a free man again (if you are not at fault) or reduce the severity of your punishment (if you are guilty). If you are not yet convinced, read on to know more about the benefits of hiring a criminal defence lawyer to fight your case.
1. Expertise of the system
When you hire a professional criminal defence lawyer to defend your case, you can rest assured that he would analyse your case very well and spot loopholes that are hard to find otherwise. He will represent you confidently, speak of the facts clearly and explain why you did what you did and why you should be excused from severe punishments. If you don't hire a criminal defence lawyer, you will be deprived of this expertise, and you will be left to fight your case with whatever little information that you have in hand.
2. Smart strategies
One of the basic advantages of hiring a criminal defence lawyer is the wide variety of strategies that he prepares for your case to ensure that you come out of it clean or with less punishment. An experienced and professional criminal defence lawyer knows that each case demands a different strategy. He prepares your case with strong facts, evidence, interrogations and reports so that he can come up with powerful negotiations, settlements or discussions at the court. He prepares you well to answer questions from the prosecution lawyers as well so that you don't sound diffident at any point.
3. Quick actions lead to lesser degree of punishment
When you hire a criminal defence lawyer immediately after being implicated in a case (falsely or correctly), it works greatly in your favour. This is because when your lawyer files your case in the court almost immediately after you are being charged, it gives very little time for the prosecution lawyers to prepare charges against you. The court is also quite lenient when charges are accepted and presented at time. This will guarantee you a lower degree of punishment or complete freedom, based on the fact whether you are guilty or not.
4. Well-trained team
When you hire a criminal defence lawyer, you are not just hiring one person to defend your case; you are hiring a talented team of legal experts who do all kinds of groundwork that is required in your case. It is this team that presents the final facts and results of their findings to your criminal defence lawyer, who then works with the results and draws his analysis to your case. The team that your criminal defence lawyer manages is involved in some important activities like investigating key witnesses in the case, tracking them down to get the real information, preparing important notes related to the case, cross-examination of people involved and the like.
If you are involved in any case while you are in Los Angeles, you have nothing to fear as there are quite a large number of Los Angeles criminal defence lawyer firms to come to your rescue. When you hire a Law Offices of Dmitry Gorin, you can rest assured that your case has been entrusted with an expert.

Friday, November 3, 2017

JAMB begins construction of 500-seat CBT centre in Benin

Edo State Governor, Godwin Obaseki, on Friday laid the foundation stone for the Joint Admissions and Matriculation Board’s 500-seat Computer-Based Test centre in Benin.
The governor said at the event that the centre would add value to the state’s education sector.
He said Edo State was known for hosting Federal Government institutions, hence its decision to partner with JAMB to have the centre in the state.
“We saw it as our responsibility to our people and the Federal Government to have a South-South zonal office and a CBT centre in the state and we had to do all within our means to get a land for the project,” he said.
The governor gave assurance of power supply to the centre and construction of access roads to the place in 2018.
He commended the Federal Government for releasing funds for the project, and hailed JAMB for introducing CBT which, he said, had helped to reduce examination malpractice.
Responding, the Registrar of JAMB, Prof. Is-haq Oloyede, commended Obaseki for promptly securing a parcel of land for the centre.
Oloyede said JAMB decided to have a CBT centre in Benin in view of the growing number of candidates sitting for the Unified Tertiary Matriculation Examination in the state capital.
“Benin is the seventh in terms of JAMB examination enrolment and 22nd in terms of facilities available for candidates to sit for the examination.
“To solve the facilities need in the state, the Federal Government, is building this CBT Centre in the state,” he said.
The registrar gave assurance of more working ties with the governor who, he said, had much zeal to meet the education needs of Edo people.
The News Agency of Nigeria reports that other dignitaries at the event include the Registrar of NABTEB, Prof. Ifeoma Isiugo-Abanihe; the Deputy Vice Chancellor (Academics) of the University of Benin, Prof, Pius Iribhogbe, and the state Commissioner for Education, Dr Christopher Adesotu. (NAN)

Saturday, October 28, 2017

The Science Of Learning: How To Study, Understand, And Remember All You Read

 Image result for male student trying to study for exams


Whether you are a student looking to give your GPA that quantum boost; whether you are a professional seeking to get the most out of the books you read; whether you're an OCKG (Obessesive-compulsive knowledge-gatherer); or whether you're just a good citizen of the planet looking to maximize your learning/studying experience, then this exposition, which is firmly grounded in the time-tested science of educational psychology, has been written to cater for your learning needs.

The problem with our schools,—and to bring it home—the problem with the entire Nigerian education system, as has been observed by myself and many others, is that in school we are taught what to learn but we are almost never taught how to learn what it is that we have to learn, leaving many of us squirming in the throes of bland rote memorization. (Which, if you don't already know, is the poorest, most unimaginative, most time-consuming, and most ineffective method of learning.)

That is why meta-learning (the awareness and understanding of the phenomenon of learning) is essential to master before even getting down to the actual learning process. (If you don't even know how to start a fire, then why bother gathering firewood?)

Let us begin by defining what learning is:-

Learning is, according to Wikipedia, "the process of acquiring new or modifying existing knowledge, behaviours, skills, values, or preferences".

Before you fall guilty of anthropocentricity, see what Wikipedia further said:- "The ability to learn is possessed by humans, animals, and some machines". It doesn't end there, Wikipedia also had this to say:- "There is also evidence for some kind of learning in some plants".

And, for all you adherents of John Locke who believe that we are born as clean wax tablets, research has shown that learning begins even before birth, so a newborn is not necessarily impression-free. Of course, a foetus would not learn to solve quadratic equations while it's curled up in its mother's womb. Rather, the form of learning which takes places prenatally is known as "habituation" (This has been observed to occur as early as 32 weeks into gestation.)

Now that we have established the definition of learning, and also learned that even machines are capable of learning to some extent, let us now try to understand the things that fuel learning (in humans)—that will to power that propels a person to learn a new language, or to learn to play the violin, or to learn to write a computer code.

Consider these two scenarios:

Scenario 1: Garfield loves Maria for her intelligence. He knows it's pointless but his feelings nonetheless have taken a romantic turn. The major glitch however is that Maria speaks and understands only Croatian, while Garfield speaks and understands only English. In order to impress Maria, Garfield sets out determined on a quest to learn Croatian.

Scenario 2: Kunle was driving one day when he came across a purple gorilla riding a bicycle. Kunle was impressed by this unusual sight and has dedicated the remainder of his life to understanding everything about bicycle-riding purple gorillas.

Those two scenarios mirror the two major things that drive learning in humans. In Scenario 1, we see "motivation" playing a role in Garfield's desire to learn Croatian (romantic motivation in this case). And in Scenario 2, we can very clearly see the inalienable factor of "curiosity" playing a critical role in Kunle's wanting to learn about purple King Kongs. (You might not have been told, but before curiosity killed the cat, it first made it more knowledgeable.)

Motivation and curiosity are primarily what drives humans to want to learn. Besides, if man as a creature were incapable of learning, then the entire human race would have long gone into extinction. If we were incapable of learning or incapable of forming long-term memory impressions, then we wouldn't even remember that playing with fire is dangerous, or that snakes have poisonous venom, or that a scorpion's sting could prove fatal. Even if we as a species somehow managed to beat natural selection and did not go extinct, then we would very likely be at the bottom of the food chain. (Therefore, even at the evolutionary level, learning is necessary for survival.)


For the remainder of the article, we would touch on these two things in detail:

1) How to maximise your learning/studying (Conditions to have in place)

2) How to study, understand, and remember all you read



P.S.: In order to avoid generalizing to a fault, the other two units have been tailored to cater specifically to the learning needs of university/polytechnic students. But in practice, the principles are generally applicable to everyone.

Subsequently, too, the word "learn" will be interchanged with "study", since in the other two units we would treat the phenomenon of learning purely in the academic/scholarly sense.
 How to Maximize Your Learning/Studying (Conditions to have in place)


In this unit we shall expound on these six conditions which must be considered and satisfied before getting down to study:-

1) Time management/structure

2) Motivation/curiosity

3) Attention

4) Circadian rhythm/conducive environment

5) Emotional equilibrium

6) Goal(s)


1) Time management/structure:

"I wasted time, and now doth time waste me/
For now hath time made me his numbering clock/"


The lines above are excerpts from the play "King Richard II" by William Shakespeare. The play is said to have been written sometime around 1595, and even though 422 years have elapsed since Shakespeare first put down those ingenious lines of drama, they still remain very relevant today (perhaps even more relevant today seeing as 16th century England did not have to grapple with social media and technology in all its guises—both of which by the way are one of the major time-consumers of the 21st century).

Typically, an academic semester comprises of six months, which is further split into three months apiece. It goes without saying that a student with good time management skills would have begun his studying way long before examinations (from the very start of the semester), so that by the time his exams are only one or two weeks away, he would merely be revising the learned material rather than reading his lecture notes or textbooks for the first time.

Another benefit of good time management is "Distributed learning/spacing".

Distributed learning or Spaced Learning, simply put, is when learning is split into minutes, hours, days, or even months, rather than done in one concentrated dose. For instance, if you were given a material to learn today and on which you would be tested the following day, and let's say you have 3 hours to learn that material, it would be best if you divided the 3 hours and studied for one hour per study session. After every one hour, take a short break (Pomodoro technique), or go do something unrelated to the study task at hand before coming back to complete your study. (With your attention and mental/physical energy re-vitalized.)

Distributed learning is the most productive and stress-free learning technique, which more than any other learning method guarantees long-term dividends, especially when it's accompanied with spaced repetition (we would touch on this later).
Distributed learning is also the one of the most natural way of learning since the time lapses give the brain ample time to form neural connections between the newly acquired information.

This is what distributed learning entails and, sadly, a student incapable of managing time properly would not be able to leverage distributed learning to his or her advantage.

(Mr. Ayodele Dada, the UNILAG psychology graduate who set the Internet on fire when he graduated with a perfect CGPA of 5.0, attributed the bulk of his success to "distributed learning/spacing".)

These are some ways of improving on time management: (a) Improve on self-discipline (b) Create and strictly abide by a study/school timetable (c) Avoid procrastination

b]2) Motivation/curiosity:[/b]

To maintain a sustained interest in what you have to study, to understand what you have to study, or to even be capable of offhandedly recalling what you have studied, then you must either be motivated to learn it or must be curious enough about it.

There would be instances when a certain course, topic, or even a lecturer's style of teaching stretches the boundaries of boredom, but even so there are myriad ways of inducing interest so as to facilitate learning. One of the simplest way to induce interest is to literally bury yourself in the course/topic. This can be done by reading extensively on it (not your school notes this time around), by watching YouTube videos that talk about the topic, by listening to several podcasts, and/or by asking an expert or a fellow student to break it down and explain in layman's terms. The idea is to bombard all your five senses with the "boring material" using all the mediums available to you. By steeping yourself in the genius loci of that which is to be learned, the otherwise "boring" and unfamiliar material would likely become interesting and familiar.

3) Attention:

An attentive mind is a present mind, and a present mind is a powerful mind, and also one that is likely to better understand and better retain whatever it learns.

William James—Father of Modern Psychology—once said that the sort of education that teaches a student to take charge of his wandering mind is an education par excellence. Samuel Johnson (English writer) also stressed on the importance of attention when he declared that:- "The art of memory is the art of paying attention"

For students who crave a fruitful study session, you are to approach every study session with 100% attention (It's non-negotiable). In fact, it has been proven that attention, that mindfulness, and that by being whole-heartedly attuned to whatever it is you are doing, increases productivity and slows down the rate of mental fatigue. Being attentive is also said to improve wisdom and problem-solving capacity.

Understand this, the brain is not built to multi-task, so your attention should never be divided when studying. This is the time you should also consider putting your phone in airplane mode and screening out both internal and external distractions. (Ensure that you are neither hungry nor dehydrated, as hunger and thirst are one of the major causes of internal distraction.)

A way of enhancing attentiveness is by practicing mindfulness meditation i.e a brief moment of physical and mental silence wherein you direct the flow of your thoughts and constantly bring back your wandering mind to the present moment (trust me, your mind will definitely wander).

10-15 minutes of meditation before every study session is enough to yield a bountiful study harvest. And its cognitive benefits are scientifically well accounted for as well.


4) Circadian rhythm/conducive environment:

Circadian rhythm basically means the body's biological clock. By Nature's design, night-time is universally best suited for sleeping, and daytime is universally best suited for working/schooling. But our circadian rhythm differs in the times we best assimilate information.

For some that time is at night, and for some at day. (Although a seasoned learner, so far as he is well rested, should be able to assimilate at almost any given period within the 24-hour frame.)

You have to know when you best assimilate information and then structure your study time-table around those periods.

A conducive environment is also pivot to assimilation. Some prefer to have a white noise in the background during study (white noise could be a rotating ceiling fan or Mozart's Lacrimosa playing softly in the background), while some students prefer to consume knowledge while perched in the safety of absolute silence. Again, you have to figure out what environment is most conducive to your learning and assimilation.



5) Emotional equilibrium:

Before any study session, ensure that you are emotionally balanced. If you are still grieving your boyfriend's betrayal or the loss of a romantic relationship, then perhaps you might consider putting off studying until you have mastered your emotions.

Grief, anxiety, fear, and generally all negative emotions are things that cause the mind to wander. If you study without being rid of these emotional shrapnels, then be certain that your study session would be very likely be a complete waste of your time and energy.

6) Goal(s):

It is often said that abuse is inevitable when the purpose of a thing is not known. The same applies to learning. A student ought to have clearly outlined study goals before settling down to study.

The student must ask himself:- "Do I want to merely get the gist of this topic or do I also want to learn the elaborative details?" "Am I reading on World War II so as to understand the causes and effects of the war, or am I also reading so as to accumulate factoids, such as names of the key players and important dates?"

A student must know what it is that he wants to extract from every study session, and it's advisable that these study goals be as specific as possible. Remember, the brain wants order, not chaos.
 How to Study, Understand, and Remember All You Read


In this unit, we shall look at the processes involved in effective studying. Haven already fulfilled the requirements in the previous unit, you are now ready to get down to study. The first thing you must do is to:-


1) Skim/Preview:

Always take a rapid glance through the table of contents, the headings and sub-headings, rather than just plunging straight ahead to read. If you like, you could also read a synopsis of the topic you want to study on Wikipedia or any other vetted online platform. Doing this (skimming/previewing) would help with "schema activation" (i.e it would serve as a form of background knowledge and also erect the basic framework on which further knowledge can be easily built upon)

Skiming/previewing also helps in priming your mind, and it gives you a rough idea of what to expect when you eventually start reading. (That way you can easily deduce the vital from the incidental).

Next is:-

2) Reading:

The reading process must be an entirely active process. It helps if you sit on the edge of your chair, and never assume a slouching posture during this stage (unless you're reading Playboy magazine or Celebrity gossip).

Run your fingers across the page, and make annotations or take notes. (Doing these involves your "muscle memory".)

And, whenever you encounter a sentence, or a paragraph, or a concept that you don't fully understand, stop to reflect deeply on it—a productive study session is one marked by reflective pauses.

Also, visualise—with full imaginative bandwidth—whatever it is that you are reading. Make the words come alive, smell it, taste it, feel it, and hear it replay over and over in your mind (subvocalization). (Know this, the bridge between our minds and the physical world are our sensory organs, so if you want to be less forgetful, more aware, more informed, and much more smarter than the Average Joe or Jane, then you must lean heavily on your senses so as to accrue as much sensory inputs as is possible.)

Usually, the study stage is where all the cognitive legwork is done and if you put in 100% of your attention and labour during this stage, then you would have already gotten 90% of the job done.

On a personal note, I dislike having to re-read a material either because I failed to understand it the first time (due to inattention) or perhaps because I couldn't remember what I've read due to sloppiness during the encoding stage. That is why I have cultivated a life-long habit of focusing all my attention and effort during the reading stage, and 99% of the time, I have never had the cause to re-read a material due to lack of initial understanding or an inability to recall what I have read (Besides being an expert mnemonist, my natural memory has grown remarkably eidetic from this mindful habit of involving all of my senses whenever I study)

After studying, next on the agenda is:-

3) Summarizing:

Take all those annotations and notes you made during the study stage and re-write them in your own words. (This is a form of active learning too.)

Your summaries should be highly condensed and straight to the point, and don't use more words than is necessary. (These summaries are what you will use in revising before and during the examination period.)

After summarizing in your own words, next is:-

4) Review/Recall:

There is something called "Desirable difficulty" in learning psychology. Simply put, a desirable difficulty is a learning task that is somehow difficulty but also very rewarding (especially in the long-term). In the review stage, you are going to use a desirable difficulty so as to get an accurate assessment of your overall assimilation. What you would do is to turn your eyes away from your summary notes and then try to recall all you have learned thus far. (This would be your first review of the material). While doing this might be difficult initially, it would imprint the information better in your mind than if you just re-read your summaries.

Research has proven that those information that we struggle a bit with before recalling actually get more strongly impressed in our minds than those information which we easily recall. (In other words, “More mental pain, more mental gains”)

This task of trying to offhandedly recall what you have learned during the review stage will accomplish 2 things:

(a) It would consolidate what you have learned

(b) It will help to identify the loopholes in your understanding

[...]


If you follow the instructions up to this point, then you are sure to triple your assimilation rate in no time. But it doesn't end here. The human mind, unfortunately, is one organic contraption that's susceptible to forgetfulness, especially if the initial impressions or if the encoding process was not strong enough (perhaps you were multi-tasking while reading, perhaps you failed to take notes or draw diagrams and mind-maps, perhaps you didn't visualise the concepts, or perhaps the concepts were ones that demanded an extreme degree of abstraction which you aren't naturally capable of).

Nonetheless, there's an antidote for memory decay. In order to beat the forgetting curve (Ebbinghaus effect) and to guarantee the transfer of learning from the short-term memory (hippocampus) to the long-term filing cabinet (neocortex), we must play to the strength of our brains by repeating the learned material over gradually increasing spaced intervals (This is known as spaced repetition)

What the above means is that after you have completed a study session (or after receiving a lecture), you should ensure to review the material within the first 20-24 hours. Then review it again after 2/3 days has elapsed. Then review it again after 15/20 days. (It all depends on your schedule and preference.)

This here illustrates how spaced repetition works:-

Day 1:- Read about the 36 Decans of ancient Egyptian astronomy

Day 2 (which is within 20-24 hours of learning the 36 Decans):- Reviewed the material by recalling all I learned about the 36 Decans, and then glanced through my summary notes to see what I missed

Day 10: Repeated what I did on Day 2

Day 30: Repeated what I did on Day 2 and Day 10


The idea is to gradually increase the intervals between the review periods, and it is generally agreed that this (spaced repetition) is the most efficient and effective way of transferring knowledge to long-term memory. Remember that you should always try to offhandedly recall what you have learned whenever you review rather than just re-reading your notes.

Personally, what I do (and I think you will find this very helpful) is to go to the bottom of each of my summary notes as soon as I've formulated them and list out all the key things I have learned on that particular topic, and then I put them in a bracket.

Something like this:- "(Nutrition, types of nutrition, photosynthesis, parts of a plant, parts of a cell, differences between plant cell and animal cell, examples of multicellular organisms)"

During my review sessions I go straight to the bottom of my summary notes and look at each of the words I have written in brackets and then try to offhandedly recall everything that I can about them. (I never write the definitions in the bracket. I only write the names of the concepts and then mentally reel out all the details about them).

This way I am using a "desirable difficulty" to enhance my understanding and recall, rather than just re-reading my notes which, as scientific research has proven, tends to give many students the "illusion of understanding". This method that I utilize is very similar to the use of Flashcards, except that I find it much more time-economical and comfortable than using flashcards. But if you think Flashcards would serve you better, then you should use them.

In conclusion:


Always remember that understanding should be prioritized over memorization.

Bear in mind too that learning should be a fun process. You should as well be limitless in your creativity when it comes to learning.

Here is a fun fact:- I once learned the first 20 digits of pi some 5 years ago by setting the first 20 digits of pi as my phone's password. I reasoned that I would learn it more quickly if I had the benefit of regular exposure. (That's just me being creative.)

Induce motivation in yourself so as to assimilate and retain information with greater accuracy (motivated encoding); look for patterns in the materials you are to learn and connect it to past knowledge (]learning by association); formulate creative and memorable mnemonics (elaborative encoding); turn words, numbers and concepts into mental pictures and make those pictures randy, bizarre and funny (Von Restoff effect); teach a complex sociology concept to your dog or to your shadow if you can't get a human audience (Feynman technique), or convert the complex concept into a catchy rap song. And most importantly, have fun while doing all these things.

Closing remarks:

It happens even to the best of us that sometimes our minds would inevitably go blank, and there are also times when we get that tip-of-the-tongue feeling when trying to recall an information (i.e. we are certain that we know the information but we can't quite lay our hands on it in that moment).

When something of this sort happens, especially in examination halls, it's incredibly helpful if you try to recall some information that's related in some way to what you are trying to remember (I like to call these "neighbouring memories").

For example, if you were trying to recall the "characteristics of a Tropical Rainforest" but are unable to, you could turn your mind towards recalling the "characteristics of the Southern Guinea Savanna" instead—they are both similar in content and the latter is very likely to bring the former to remembrance. (Triggering remembrance by using the "neighbouring memories" works 95% of the time.)