Daily Archives: October 10, 2017

Youtube on a browser

Looking to Learn a Foreign Language? Don’t Simply Recite, Sing

Youtube on a browserYou’ve watched countless tutorials on YouTube and spent sleepless nights watching subbed movies but to no avail. You can still barely stammer through the items on a foreign-sounding restaurant’s menu.

While movies with voiceovers offer a peek into the culture of the country you’re visiting, experts say if you wish to get to grips with a particular language, try singing while learning. A study conducted at the University of Edinburgh’s Reid School of Music revealed that singing foreign words or short phrases can help adults become twice as good at speaking the language later.

Improving Recall

Led by Dr. Katie Overy, the researchers taught 60 adults foreign phrases using recordings of words. As the researchers wanted to use a language that participants were unlikely to have encountered before, they chose to present them with Hungarian words.

The researchers played the tapes to participants, instructing one group to say the words back like a teach yourself tape. On the other hand, they told the other group to either sing the words or say them rhythmically.

After listening for 15 minutes, the researchers gave the respondents tests to see how well they fared at learning the words. The results revealed that those who listened to short phrases and sang them back performed better than those who simply spoke the words.

The Link Between Music and Memory

Music can help trigger memory recall. Most people remember certain phrases or words from a song they heard earlier. Some language teachers use music to teach their young students, while the students use it to enhance their memory when preparing for an exam.

The researchers concluded that a listen-and-sing method could help verbatim memory for phrases in a spoken language. The researchers did not delve into whether certain melodies provide an additional cue to exercise the mind, and while they admit that future research can fortify the ideas they have brought forth, they suggest taking advantage of the strong links between memory and music when trying to learn a foreign language.

Understanding Your Credit Score and Mortgage Application

Credit Score ReportYour credit score is one important factor that can affect the interest rate of your mortgage and your eligibility to get a loan. You can improve your chances of getting a better mortgage by boosting your score, staying current on your payments, and paying some of your debts. Note that some portions of the score depend on how much debt you have and whether or not you pay your bills on time.

Where Should You Start?

Know your score by getting a free report and checking it for errors. If you find some, submit a request to the fix the mistakes. It is ideal to do this before you apply for a home loan, as investigating disputes can take up to 30 days or more. According to the Consumer Financial Protection Bureau, reporting agencies will notify you of the results five days after they finish the investigation.

Should You Apply Now?

Lenders offering mortgages in Utah note that if your score is 740 or more, you can qualify for the best interest rates. Good credit score means saving thousands on your home loan. If it is, however, below 700, you will have to pay more interest on your mortgage. Note that many lenders prefer borrowers with a stable history of on-time payments as well as low balances.

Is it Better to Apply in the Future?

If you have a low score, you can put off buying to save more money and improve your credit rating. Good credit habits include paying credit card debts, paying bills on time, and keeping balances low. If you keep up with these practices, you can see an improvement in your score. Note that improved credit can help you save up to $100 on a normal monthly loan payment.

Focus on improving your score to get better loans and rates. Be sure to avoid making large purchases on credit before you apply for a mortgage or close on a house, as this can negatively affect your chances of getting a loan.