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Taking A Look At Gadget Insurance

As a modern person, you most likely have a Smartphone, laptop, camera, and other gadgets. If you regularly travel, there are many things that go wrong with your gadgets: they can be damaged, get lost, or even be stolen. Good quality gadgets don’t come cheap; therefore, it’s always wise that you protect them. One of the most effective ways of doing it is by insuring them. Studies show that many people don’t insure their gadgets due to ignorance or lack of knowledge, but this shouldn’t be you.Types of gadget insurance policiesInsurance companies have come up with insurance policies meant to cover your gadgets. Some of the companies cover a certain brand of gadgets while others aren’t choosy. There are some companies that will cover you against specific problems such as accidental damage, theft, or loss while others will provide you with a comprehensive cover. It’s up to you to choose the cover that you like the most.Factors to consider when getting gadget insurance coverFor you to get the most from your gadget cover you need to consider a number of factors that include:Item limit: Companies provide different limits on the amount of money they can cover a given gadget. Some will provide a limit of a few dollars while others will cover gadgets that are up to several thousands of dollars. The policy that you choose should be enough to cover your gadgets. When making your choice, you should note that policies with high limits are usually expensive.Replacement cost: Insurance companies have two types of replacement costs: the relative cost and the exact cost of the gadget. The relative cost is the cost of the gadget at the time of the damage or loss. A company that compensates you using the relative cost isn’t good as you will be required to pay most of the money. For example, your iPad might be worth over a thousand dollars when new but this won’t be the price a few years later. In the event the iPad gets lost or damaged, the insurance company will compensate you based on the current value of the gadget. To ensure that you don’t pay a lot of money than you should, go for a company that replaces the gadget based on the price of a new gadget.Exclusions: Almost all policies have exclusions. These are situations where the policy won’t cover you. For example, most of the policies won’t cover your gadget if you damaged it while you were bungee jumping. To avoid surprises in the future, you should take your time to read the policy and stay away from one that you feel will be controversial in the future.ConclusionThis is what you need to know when you are getting insurance for your gadgets. The key to avoiding surprises in the future is reading the fine print. Carefully go through the print and understand all the exclusions and exceptions that might be listed. As rule of thumb, you should never go with a company offering a limit that is below the cost of buying a new gadget.

The Value of Technology in Educating Young Children

Are young children well suited to the use of technology? Modern technologies are very powerful because they rely on one of the most powerful genetic biases we do have – the preference for visually presented information. The human brain has a tremendous bias for visually presented information. Television, movies, videos, and most computer programs are very visually oriented and therefore attract and maintain the attention of young children. When young children sit in front of television for hours, they fail to develop other perceptions. But the technologies that benefit young children the greatest are those that are interactive and allow the child to develop their curiosity, problem solving and independent thinking skills.Technology plays a key role in all aspects of American life which will only increase in the future. As technology has become more easy to use, the usage of it by children has simultaneously increased. Early childhood educators have a responsibility to critically examine the impact of technology on children and be prepared to use technology to benefit children. Children educators must be more responsible in bringing a change in the lives of children and their families.There are several issues related to the use of technology by young children:• the essential role of teacher in evaluating in evaluating appropriate use of technology.
• the amalgamation of technology in early childhood programs
• stereotyping and violence in software
• equitable access to technology
• implication of technology for professional development
• role of teachers and parents as advocatesA teacher’s role is critical in making good decisions regarding the use of technology in order to achieve potential benefits. Choosing the correct software is quite similar to choosing the perfect set of books for a classroom. Teachers should take the advantage of computers to introduce new teaching and development strategies. Computers are intrinsically compelling for young children. The sound and graphics attract a child’s attention. An appropriate software engages children in creative play, mastery learning, problem solving, and conversation. Children control the pacing and the action. They can repeat a process or activity as often as they like and experiment with variations. They can collaborate in making decisions and share their discoveries and creations. Well-designed early childhood software grows in dimension with the child, enabling her to find new challenges as she becomes more proficient. Appropriate visual and verbal prompts designed in the software expand play themes and opportunities while leaving the child in control. Vast collections of images, sounds, and information of all kinds are placed at the child’s disposal. Software can be made age appropriate even for children as young as three or four. This shows that technology can enhance a child’s cognitive and social abilities. It provides a window to a child’s thinking.Every classroom has its own guiding philosophies, values, themes and activities. Early childhood educators should promote equitable access to technology for all children and their families. Modern technologies are very powerful as they rely on one of the most powerful biases we have. The problem with this is that many of the modern technologies are very passive. Because of this they do not provide children with the quality and quantity of crucial emotional, social, cognitive, or physical experiences they require when they are young.Unfortunately, technology is often used to replace social situations but it should be used to enhance human interactions. During the current decade, research has moved beyond simple questions about technology. Very young children are showing comfort and confidence in handling computers. They can turn them on, follow pictorial directions, and use situational and visual cues to understand and reason about their activity. Typing on the keyboard does not seem to cause them any trouble; in fact, it seems to be a source of pride. Thanks to recent technological developments, even children with physical and emotional disabilities can use the computer with ease. Besides enhancing their mobility and sense of control, computers can help improve self-esteem.Thus the exclusive value of technology is no more in question. Research shows that what is solid for children is not merely what is physical but what is meaningful. Computer representations are often more manageable, flexible, and extensible. To add more there are a number of specialized programs that allow children with certain information-processing problems to get a multimedia presentation of content so that they can better understand and process the material. Even now there are a number of good software programs with a primary educational focus on mathematics or reading. These programs, which are very engaging, motivate children to read better and learn how to solve math problems. When information is presented in a fun and way, it is a lot easier than looking at a single page that has a bunch of columns of numbers you’re supposed to add up.We are always in search for the magic wand that vanish and solve all our programs. And today the magic wand in our life is technology. It not only increases academic skill, reduce dropout rates but also diminishes the racial divide in academic performance. The danger, however, is that computers will be used only to reinforce the national trend toward earlier and more academic skill acquisition, and that other important developmental needs will be ignored. Moreover the fear will remain that developmental needs not met through technology will be ignored or radically compromised: physical play, outdoor exploration of the community and of nature; art, music and dance; learning specific social skills and moral values, and experiencing diversity in a myriad of ways.In most of the early childhood programs and schools, technology will be part of the learning landscape of the future. To make sure this new technology is used effectively, we must assure that teachers are fully trained and supported, and that the programs and internet sites used are developmentally appropriate, non racist, non-biased against people with disabilities, and respect religious differences.

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