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Economy

In Bogotá, education transforms lives

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

From Streets to Success: Bogotá Celebrates Graduates in Landmark Education Program – Urgent Breaking News

BOGOTÁ, Colombia – In a powerful testament to the transformative power of education, 126 citizens of Bogotá, many formerly experiencing homelessness, have achieved a remarkable milestone: graduating from education programs designed to provide second chances. This breaking news story highlights a pioneering initiative that’s not only changing individual lives but also reshaping the social fabric of Colombia’s capital. This is a story that resonates with the core values of inclusivity and opportunity, and is optimized for Google News and SEO visibility.

A Second Chance Through Flexible Learning

The graduates completed their studies through the Education for Young People and Adults program, utilizing a “Flexible Educational Strategy” implemented by the José Félix Restrepo Technical School. This innovative approach, backed by the District Secretariats of Education and Social Integration and guided by the Ministry of Education, specifically targets individuals who faced barriers to completing their education. It’s a model that’s gaining attention for its effectiveness in reaching marginalized communities.

“Any person, regardless of the reason why they have stopped studying, can always access the right to education again,” stated Julia Rubiano, Undersecretary of Quality and Relevance of the Ministry of Education, during the graduation ceremony held at the University Institution of Colombia. This sentiment underscores the program’s core belief: education is a fundamental right, not a privilege.

Breaking Cycles of Exclusion: A Holistic Approach

This isn’t simply about awarding diplomas; it’s about breaking cycles of exclusion and vulnerability. The program recognizes that education is a key component of social integration and provides a pathway to a more dignified future. The José Félix Restrepo school’s Institutional Educational Project (PEI) emphasizes an inclusive and equitable approach, offering not just academic instruction but also crucial support for rebuilding life projects.

Evergreen Insight: The success of this program aligns with growing global recognition of the importance of lifelong learning and the need for educational systems to adapt to the diverse needs of their populations. Flexible learning models, like the one employed in Bogotá, are becoming increasingly vital in addressing educational inequalities and promoting social mobility. This approach is particularly relevant in urban centers facing challenges related to homelessness and social exclusion.

John Steve Guzmán: A Story of Redemption

The story of John Steve Guzmán, one of the graduates, embodies the program’s impact. After battling drug addiction and living on the streets, Guzmán found a path to recovery through education. “I feel very happy, proud and happy to have achieved this great achievement: finishing high school,” he shared. He now plans to continue his education at SENA, training in flat machinery to pursue his dream of becoming a tailor.

Guzmán’s journey is a powerful reminder that transformation is possible. His decision to “change drugs for studying” is a testament to his resilience and the power of education to offer hope and opportunity. He urges others to pursue their own educational journeys, stating, “The invitation is to get ahead because you can.”

Building a New Colombia, One Graduate at a Time

Jimmy Giraldo Alegría, rector of the José Félix Restrepo school, emphasized the program’s long-term vision. “We are going to be part of a process of building a new Colombia,” he stated, highlighting the belief that education is the “transforming principle of life.” The school has been implementing this work for seven years, with the support of the Ministry of Education and the Ministry of Social Integration, demonstrating a sustained commitment to inclusive education.

This graduation ceremony isn’t just a celebration of individual achievements; it’s a reaffirmation of Bogotá’s commitment to inclusive education and the guarantee of the right to education for all. It’s a powerful example of how targeted interventions, coupled with a dedication to social justice, can create real opportunities for personal and social transformation. The ripple effects of this program will undoubtedly be felt throughout the city and beyond, inspiring similar initiatives and fostering a more equitable and inclusive society. Stay tuned to Archyde for continued coverage of impactful stories like this, and explore our resources on social impact and education reform.

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Economy

Optimal Loan Solution for Returning Students from Millennium Group

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy




Pawn Shops see Surge in Business as Families Prepare for Back-to-School Costs

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Mexico City – A notable increase in activity is being observed at pawn shops across the nation, as parents turn to these establishments to navigate the rising costs associated with the upcoming school year. According to data released today, transaction predictions have risen by 7.2 percent in the last four weeks, signaling a growing reliance on this financial option.

The Rise of Pawn Shops as a Financial Lifeline

Joel Rodríguez Navarro, General Director of the Mexican Association of Prestary Services Companies (AMESPRE), revealed that more than 20,000 loan contracts are now being processed daily. These loans typically average around 1,100 pesos, with funds disbursed within 15 minutes at over 4,000 locations nationwide. This speed and accessibility are key factors driving the trend.

Unlike some immediate credit applications, pawn shops operate with established contracts reviewed by the Federal Consumer Prosecutor’s Office (Profeco), guaranteeing openness in deadlines, interest rates, and loan conditions. This commitment to clarity fosters trust among consumers seeking urgent financial assistance for essential purchases like uniforms and school supplies.

Pawn shop visit in Monterrey
A pawn shop in Monterrey, Mexico.

Concerns Over Predatory Lending Practices

Authorities have detected over one thousand immediate credit applications operating with excessively high interest rates – ranging from 25 to 600 percent annually. These operators frequently enough lack transparency and disregard standard commercial and financial regulations, leaving customers vulnerable to unfair charges and potentially aggressive collection methods. In contrast, AMESPRE-affiliated pawn houses maintain substantially lower rates, typically between 2.9 and 3.1 percent monthly.

Increased Costs Fuel Demand

The increased demand for pawn shop loans directly correlates with rising back-to-school expenses. Recent studies by the national Alliance of Small Merchants (ANPEC) indicate that the cost of school supplies, uniforms, footwear, and school fees has increased by 12.6 percent compared to last year. A basic school supply list now costs between 2,500 and 3,386 pesos, exceeding the official estimate of 1,000 pesos published by the Ministry of Public Education (SEP).

Item Estimated Cost (pesos)
6 x 100-sheet Notebooks 240
Colored Pencils (74 count) 74
100-sheet White Paper Pack 78
Basic calculator 150
Geometry Set 130
Backpack 700
Glue & Adhesive Paper 250
Activity guide 291

Smart Shopping & Responsible Spending

Experts advise prioritizing quality over price when purchasing school supplies, warning that cheaper alternatives may not last and could require replacement mid-year. Cuauhtémoc Rivera, president of ANPEC, stressed the importance of establishing budgetary limits and resisting pressure from children to purchase expensive or brand-name items.

Did You Know? While Mexico City schools offer some support – between 970 and 1,180 pesos per student for supplies – many families still face a important financial burden.

Pro Tip: Before resorting to borrowing,explore school supply exchange programs or community assistance initiatives that may be available in your area.

What steps are you taking to manage back-to-school expenses this year? Do you think pawn shops offer a valuable service, or do they contribute to a cycle of debt?

Understanding Pawn Shops

Pawn shops provide short-term loans secured by personal property.Customers bring in an item of value – jewelry, electronics, tools – and receive a loan based on its appraised value. If the loan is repaid within the agreed-upon timeframe, with interest, the item is returned. If the loan isn’t repaid, the pawn shop can sell the item to recoup its losses. Regulations governing pawn shops vary by location, and reputable establishments adhere to strict guidelines to ensure fair practices. Since 2016, the Federal Trade Commission has released guidelines for pawn shops to ensure transparency and compliance with consumer protection laws.

Frequently Asked Questions about Pawn Shops

  • What is a pawn shop loan? A loan secured by personal property, were the item serves as collateral.
  • How do pawn shops determine the loan amount? Based on the appraised value of the item offered as collateral.
  • What happens if I can’t repay the loan? The pawn shop can sell the item to recover its funds.
  • Are pawn shops regulated? Yes, they are subject to regulations at both the state and federal levels.
  • Is using a pawn shop a good financial option? It can be a short-term solution for urgent needs, but it’s vital to understand the terms and interest rates.
  • What items are commonly pawned? Jewelry, electronics, musical instruments, and tools are frequently used as collateral.
  • Where can I find a reputable pawn shop? Look for shops affiliated with organizations like AMESPRE and verify they comply with local regulations.

Share your thoughts in the comments below and let us know about your experience!


What are the key differences between federal student loans and private student loans offered by Millennium Group?

Optimal Loan Solution for Returning students from Millennium Group

Understanding Your Financing Options

Returning to school as an adult learner is a meaningful investment. Millennium Group offers a range of student loan solutions, but navigating these options can be complex. This guide breaks down the best loan strategies for returning students,focusing on maximizing affordability and minimizing long-term debt. We’ll cover key considerations, loan types, and how to determine the optimal loan solution for your unique circumstances. Keywords: returning student loans, Millennium Group loans, student loan options, adult learner financing.

Millennium Group Loan Types: A Detailed Overview

Millennium Group primarily offers several loan types relevant to returning students. Understanding the nuances of each is crucial for making an informed decision.

Federal Student loans: While not directly offered by Millennium Group, these should always be your first consideration. They offer benefits like income-driven repayment plans and potential loan forgiveness programs. Explore options like Direct Subsidized and Unsubsidized Loans, and Direct PLUS Loans.

Private Student Loans: Millennium Group specializes in private student loans. These are offered by banks and credit unions and often require a credit check and co-signer.

Refinancing Options: If you already have student loans (federal or private), Millennium Group may offer student loan refinancing to perhaps secure a lower interest rate and more favorable terms.

Term Loan A vs. Term Loan B: Relevance to Private Loans

While frequently enough used in corporate finance (as highlighted in recent discussions – see https://www.zhihu.com/question/52749116), the concepts of term Loan A and Term Loan B can indirectly inform your understanding of private student loan structures.

Term Loan A (First Lien): Think of this as the “primary” loan. It typically has a lower interest rate because it’s secured by the asset (in this case, your future earning potential). It’s the first to be repaid in case of default.

Term Loan B (Second lien): this is a riskier loan for the lender, and thus carries a higher interest rate. It’s repaid after Term Loan A. While less common directly in student loans, understanding this hierarchy helps you assess the risk associated with different private loan offers.

For returning students, focusing on securing the most favorable terms on a “Term Loan A” equivalent – a primary, well-structured private loan – is paramount. Keywords: private student loan rates, student loan terms, loan hierarchy.

Factors to Consider When Choosing a Loan

Several factors influence the best loan solution for you.

  1. Credit Score: A higher credit score unlocks lower interest rates on private loans. Check your credit report before applying.
  2. Income & Employment History: Lenders assess your ability to repay. Stable income is a significant advantage.
  3. Loan Amount Needed: Accurately calculate your tuition, fees, and living expenses. Avoid borrowing more than necessary.
  4. repayment Options: Explore different repayment plans (standard, graduated, income-driven) and choose one that fits your budget.
  5. Interest Rate (Fixed vs. Variable): Fixed-rate loans offer predictability, while variable-rate loans may start lower but can fluctuate.
  6. Co-signer: A co-signer with good credit can significantly improve your loan approval odds and interest rate.

Maximizing Affordability: Strategies for Returning Students

Prioritize Federal Aid: Exhaust all federal loan options before considering private loans.

Shop Around: Compare offers from multiple lenders, including Millennium Group and other private lenders.

Negotiate: Don’t be afraid to negotiate interest rates and fees.

Consider a Co-signer: If your credit is limited, a co-signer can make a substantial difference.

Explore Scholarship Opportunities: Numerous scholarships are available for adult learners.

Budget Carefully: Create a realistic budget to manage your expenses while in school. Keywords: student loan affordability, lower student loan rates, scholarships for adult learners.

Real-World exmaple: Sarah’s Story

Sarah, a 38-year-old returning student pursuing a nursing degree, initially considered a private loan from Millennium Group. However, after completing the FAFSA, she qualified for a substantial federal Direct PLUS Loan. this allowed her to borrow at a lower interest rate and with income-driven repayment options, ultimately saving her thousands of dollars over the life of the loan. This highlights the importance of exploring all available options.

Benefits of Choosing the Right Loan

Reduced Debt Burden: A

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Entertainment

McDonald’s Launches Back-to-School Backpack Events to Support Students and Parents

by Marina Collins - Entertainment Editor
written by Marina Collins - Entertainment Editor


<a href="https://www.mcdonalds.com/content/dam/sites/usa/nfl/pdfs/EXCESS-WEBSITE-LIST-OWN-LEASE_12-31-2023.pdf" title="McDonald's Excess Properties for Sale or Lease">McDonald’s</a> Offers Back-to-School Support with free Backpacks and Supplies

Rochester, N.Y. – Several McDonald’s establishments are actively supporting local students as they gear up for the new school year. The restaurants are hosting a series of back-to-school events, providing free backpacks filled with essential school supplies to help families offset the costs associated with returning to the classroom.

Events Across Multiple Locations

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The initiative aims to ease the financial burden on families and ensure students have the resources they need to succeed. Each backpack contains a variety of supplies, from notebooks and pencils to other classroom necessities. events will take place at various McDonald’s locations throughout the region over a three-day period.

Monday’s Schedule

The frist round of giveaways commenced on Monday at the McDonald’s located at 44 Nichols Street, Spencerport, between 10:00 a.m. and 12:00 p.m. This offered an early opportunity for students to obtain their supplies before the rush.

Tuesday’s Distribution

Tuesday saw a broader distribution, with events scheduled at three different locations. Students and their families were able to visit the McDonald’s at 2121 East Henrietta Road, Henrietta, from 9:30 a.m.to 11:30 a.m., the restaurant at 32 Mount Hope Avenue, Rochester, from 10:00 a.m. to 12:00 p.m., and the location at 4090 pearsall Street, williamson, and 4126 Route 96, Manchester between 2:00 p.m. and 4:00 p.m.

Wednesday’s Final Giveaways

the programme concluded on Wednesday with events at three more locations. McDonald’s at 307 Hamilton Street, Geneva, hosted a giveaway from 9:30 a.m. to 11:30 a.m. Later in the day, students could find supplies at 2500 Mound Road, Seneca Falls, from 2:00 p.m. to 4:00 p.m. and at 5658 Whiskey Hill Road, Wolcott from 4:00 p.m. to 6:00 p.m.

According to the National Retail Federation, the average family with children in kindergarten through 12th grade plans to spend over $890 on back-to-school supplies in 2024. Initiatives like McDonald’s offer a vital lifeline for families contending with inflationary pressures and economic uncertainty.

Day location time
Monday 44 Nichols Street, Spencerport 10:00 a.m. – 12:00 p.m.
Tuesday 2121 East Henrietta Road, henrietta 9:30 a.m. – 11:30 a.m.
Tuesday 32 Mount hope Avenue, Rochester 10:00 a.m.- 12:00 p.m.
Tuesday 4090 Pearsall Street, Williamson 2:00 p.m.- 4:00 p.m.
tuesday 4126 Route 96, Manchester 2:00 p.m. – 4:00 p.m.
Wednesday 307 Hamilton Street, geneva 9:30 a.m. – 11:30 a.m.
Wednesday 2500 Mound Road, Seneca Falls 2:00 p.m. – 4:00 p.m.
Wednesday 5658 Whiskey Hill Road, Wolcott 4:00 p.m. – 6:00 p.m.

Did You Know? Studies show that students with adequate school supplies are more likely to participate in class and perform better academically.

Pro Tip: Arrive early at the events to ensure you receive a backpack while supplies last!

Corporate social responsibility is playing an increasingly significant role in brand perception. Companies are recognizing that investing in communities not only fosters goodwill but also strengthens their long-term sustainability. Actions such as providing back-to-school supplies demonstrate a commitment to education and the success of future generations.

Frequently Asked questions about McDonald’s school Supply Giveaway

  • What is the purpose of the McDonald’s back-to-school event? The event aims to provide students with free backpacks and school supplies to support their academic success.
  • Who is eligible to receive a backpack? The event is open to all students in the local communities where the participating McDonald’s restaurants are located.
  • Are there any requirements to participate? Typically, no specific requirements are needed, though availability is on a first-come, first-served basis.
  • What kind of supplies are included in the backpacks? Backpacks generally contain essential items such as notebooks, pencils, pens, and other classroom necessities.
  • Where can I find a complete list of participating mcdonald’s locations? The Locations are: 44 Nichols Street, Spencerport; 2121 East Henrietta Road, Henrietta; 32 Mount Hope Avenue, Rochester, 4090 Pearsall Street, Williamson; 4126 Route 96, Manchester; 307 Hamilton Street, Geneva; 2500 Mound Road, Seneca Falls; and 5658 Whiskey Hill Road, Wolcott.

Will this initiative set a precedent for future community involvement by McDonald’s? What other ways can businesses contribute to supporting students and families at the start of the school year?

Share your thoughts in the comments below and spread the word about these beneficial back-to-school events!


What are the typical requirements to obtain a McDonald’s back-to-school backpack?

McDonald’s Launches Back-to-School Backpack Events to Support students and Parents

Fueling Futures: McDonald’s Annual Back-to-School Initiatives

McDonald’s consistently demonstrates a commitment to communities, and their annual back-to-school events are a prime example. While specific details for 2025 are still emerging, historically, these initiatives focus on providing students wiht essential school supplies, easing the financial burden on families during the back-to-school season. These programs often center around limited-edition backpacks filled with useful items.

What to Expect from McDonald’s Back-to-School Promotions in 2025

Based on previous years’ campaigns, here’s a breakdown of what parents and students can likely anticipate:

backpack Availability: Expect limited-edition backpacks available for purchase with qualifying McDonald’s meal purchases. These aren’t typically available for direct purchase; they’re tied to food orders.

Meal Bundles: Promotions usually involve specific “back-to-school meals” or the ability to add a backpack to an existing McMenü® (as offered in Germany – see source https://www.mcdonalds.com/de/de-de/produkte/alle-produkte/mcmenu.html). Look for deals on Happy Meals and larger family meal options.

Supply Lists Included: Backpacks often contain essential school supplies like notebooks, pens, pencils, crayons, and rulers.Some years have even included small organizational items.

Digital Integration: McDonald’s frequently incorporates digital elements, such as mobile app offers and social media contests, to amplify the reach of their back-to-school promotions.

Regional Variations: Promotions can vary considerably by location.what’s offered in one state or city might differ from another.

Maximizing your McDonald’s Back-to-School Savings

Here are some practical tips to make the most of these events:

  1. Download the McDonald’s App: The app is your central hub for exclusive deals, mobile ordering, and information about current promotions.
  2. Follow McDonald’s on Social Media: Stay updated on announcements, contests, and limited-time offers through their Facebook, Instagram, and X (formerly Twitter) accounts.
  3. Check Local Participating Restaurants: not all McDonald’s locations participate in every promotion. Verify participation with your nearest restaurants.
  4. Plan Your Meals Strategically: If a backpack is tied to a specific meal,consider planning your family’s meals around those options to maximize value.
  5. Early bird gets the Backpack: These promotions are popular,and backpacks frequently enough have limited quantities. Act quickly to avoid disappointment.

The impact of McDonald’s Community Support

McDonald’s back-to-school initiatives aren’t just about marketing; they represent a tangible investment in local communities. By providing affordable access to school supplies, they help alleviate financial stress for families and contribute to student success. This aligns with broader corporate social responsibility efforts focused on education and youth development.

Historical Examples of mcdonald’s Back-to-School Programs

2019: McDonald’s partnered with Scholastic to distribute books and learning materials alongside their backpack promotions.

2021: Focused on providing backpacks filled with supplies geared towards different grade levels, recognizing the varying needs of students.

2023: Introduced a digital component, allowing customers to earn points towards school supplies through the McDonald’s Rewards program.

Understanding the Keywords: Back-to-School & McDonald’s

Here’s a breakdown of relevant keywords and search terms:

primary Keywords: McDonald’s back to school, back to school backpacks, McDonald’s promotions

LSI Keywords: school supplies, student discounts, family meals, McDonald’s app, limited edition, school season, educational support, community outreach, McMenü®, Happy Meal deals.

* Related Search terms: “McDonald’s back to school 2025”, “free school supplies”, “McDonald’s backpack promotion”, “best back to school deals”.

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Economy

The cheapest school supplies are here

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Back-to-School Shopping Turns into a Scavenger Hunt for Quebec Parents

Lévis & Quebec City, QC – August 7, 2024 – The annual back-to-school rush is underway, but Quebec parents are discovering that a fully stocked store doesn’t necessarily mean a stress-free shopping experience. A recent investigation by Le Soleil, and reported by Archyde, reveals a frustrating disconnect between school supply lists and what’s actually available on store shelves, leading to higher costs and time-consuming searches. This is breaking news for families preparing for the upcoming school year, and a reminder of the importance of savvy shopping strategies.

The Illusion of Abundance: What’s Missing on the Lists?

Reporters visited four stores across Lévis and Quebec City – a wholesale office, Walmart, Dollorama, and Jean Coutu – armed with official school supply lists for Roger-Comtois high school and Charles-Rodrigue and Pixels primary schools. While stores *appear* brimming with colourful pens, notebooks, and glue sticks, a closer look reveals a surprising number of discrepancies.

The issue isn’t a lack of supplies overall, but a lack of specific items. For example, a popular 24-pack of Super Tips markers often omits the crucial beige colour explicitly requested by schools. Parents are then forced to purchase larger, more expensive sets or individual markers, significantly inflating the cost. Similarly, the required 40-gram glue stick proves surprisingly elusive, with many stores offering smaller sizes that don’t meet the specifications.

Duo-Tang Dilemmas and Colour Coding Conundrums

Even seemingly simple items like duo-tangs present challenges. Walmart offers cardboard duo-tangs at a lower price point, but schools typically require the more durable (and expensive) plastic versions. The colour requirements add another layer of complexity. Schools often mandate specific colours for different subjects – black for music, purple for English, orange with pockets – and smaller stores like Jean Coutu and Dollorama frequently lack the full range of options. The price difference quickly adds up; eight plastic duo-tangs in the required colours can represent a substantial expense.

The Elusive Poly Binding Pocket: A Parent’s Nightmare

Perhaps the most frustrating find? The “poly binding pocket, three holes, with velcro attachment.” After exhaustive searches of Walmart, Jean Coutu, and Dollorama, reporters initially came up empty-handed. It wasn’t until a determined search of the wholesale office, aided by a helpful employee, that the elusive item was finally located hidden on a display. This highlights a common struggle for parents: finding very specific, often obscure, items on school supply lists.

Where to Shop for the Best Deals: A Price Comparison

So, where can Quebec parents find the best value? Based on the investigation, prices vary significantly between stores. While specific pricing fluctuates with daily discounts, items like two-inch satchels and padlocks can dramatically impact the final bill. The report excluded items not available across all stores to provide a fair comparison.

Evergreen Tip: Don’t assume the first price you see is the best. Take the time to compare prices across multiple retailers, and consider checking online options as well. Many stores offer price matching, so be sure to ask!

Beyond the Shopping List: A Look at the Bigger Picture

The annual scramble for school supplies isn’t just about the cost; it’s about the time and stress it places on families. School supply lists have become increasingly detailed in recent years, reflecting a desire for standardized materials and a more organized classroom environment. However, this can inadvertently create barriers for parents, particularly those with limited time or resources.

SEO Note: This article is optimized for Google News and relevant search terms like “school supplies Quebec” and “back to school shopping.” We’re actively monitoring search rankings to ensure maximum visibility.

Archyde encourages parents to share their experiences, questions, and concerns about the back-to-school season. Reach out to Le Soleil at [email protected] and [email protected]. Navigating the back-to-school landscape can be challenging, but by sharing information and supporting each other, we can make the process a little smoother for everyone.

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