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[W4-物理] 店1-宇宙一わかりやすい高校物理
《World4-英語》
武器屋1:「物理の基礎力」を手に入れよ
~宇宙一わかりやすい高校物理編~

武器屋1で
「物理の基礎力」を手に入れよう!
成成くんは、
「物理の基礎力」を手に入れるため
武器屋1を訪れた
「物理の基礎力」を手に入れて
物理の点数を一気に
伸ばそう!


成成くん
「物理の基礎力」を手に入れるためにはどうしたらいいんだ…。
科学先生
やあ、成成くん。どうしたの?
成成くん
あ、科学先生!あの〜、、「物理の基礎力」を手に入れたいんです。どうすればいいんですかね?
科学先生
なるほど…。「物理の基礎力」を手に入れたいんだね。
科学先生
成成くん、実はね、「物理の基礎力」を手に入れるために使用すると良い「秘伝の参考書」があるんだ。知りたいかな?
成成くん
はい!知りたいです!
科学先生
「秘伝の参考書」とは、「宇宙一わかりやすい高校物理」だ!
科学先生
では早速、この「宇宙一わかりやすい高校物理」のステータスを紹介しよう。
参考書のステータス
参考書ステータスカード
<宇宙一わかりやすい高校物理>
宇宙一わかりやすい高校物理のステータス

・対象者レベル|レベル2
 ~★★☆☆☆~
宇宙一わかりやすい高校物理の対象者レベルは”レベル2”だね!中学卒業レベルを満たしている受験生が対象になるってことだ。物理を基礎から完璧にする人にはちょうどいい参考書だね!
・理解力レベル|レベル5
 ~★★★★★~
宇宙一わかりやすい高校物理の理解力レベルは”レベル5”だね!物理の考え方が身近なものに置き換えて説明されているから、イメージしやすく記憶に残りやすいんだ!
・実践力レベル|レベル3
 ~★★★☆☆~
宇宙一わかりやすい高校化学の実践力レベルは”レベル3”だね!宇宙一わかりやすい高校物理では単元ごとに基礎がしっかりと理解できるんだ!ただ、過去問に挑むためにはちょっと物足りないね。
・到達レベル|レベル3
 ~★★☆☆☆~
宇宙一わかりやすい高校物理の到達レベルは”レベル2”だね!宇宙一わかりやすい高校物理を全て完璧にすると授業の内容がすらすらと理解できるようになる!宇宙一わかりやすい高校物理を完成させて物理の考え方を身につけよう!
・完成期間レベル|レベル1
 ~★☆☆☆☆~
宇宙一わかりやすい高校物理の完成期間レベルは”レベル1”だね!宇宙一わかりやすい高校物理は1冊1~2週間程度で完成させることが出来る!だから、物理の導入には最適な参考書だね!
科学先生
宇宙一わかりやすい高校物理のステータスは、わかったかな?
科学先生
今の成成くんが使うのにちょうどいい参考書だということがわかってくれたよね?
成成くん
そうですね!「宇宙一わかりやすい高校物理」を使って「物理の基礎力」を手に入れることにします!
成成くん
でも、ぼくにちゃんと使えるかなあ?
科学先生
そうだよね、では、次に使い方(勉強法)について説明しよう。

使い方(勉強法)
~ステージ:1~
<高校物理で学ぶ内容を把握>
・まずは目次に目を通そう!
科学先生
まずは、高校物理でどんな内容を学ぶのか、目次に目を通しながら想像してみよう!巻頭に付いているマンガも読んでみて。
~ステージ:2~
<理解力の育成>
・本文を1単元ずつ読んでいこう!
科学先生
中身はとても簡単に、噛み砕いて書かれている。物理への拒絶感をなくし、ひとつひとつ考え方を覚えていこう
~ステージ:3~
<問題処理能力の育成>
・別冊の確認問題を解こう!
科学先生
1単元読み終えたら、別冊の確認問題を解いてみよう!この時、詰まったら本文を読み返すようにし、解答は最後まで見ないようにしよう。わからないところは1人で悩まずに先生等に質問することも大事だね
~ステージ:まとめ~
宇宙一わかりやすい高校物理は物理の基礎力を養うことが目標!入試問題に取り掛かる前に、単元別の考え方をしっかりと身につけよう。
科学先生
より実践的な問題集に進んでからも、つまづいたらこの参考書に戻ってみるとわかりやすいよ

成成くん
なるほど!こうやって使えばいいんですね!これで僕にもできそうです!
科学先生
この参考書は物理の学習の初めに読んでしまうのもいいけど、時間がない場合は「さらに上のレベルの参考書で学習して、つまづいた時に読む」という使い方も効果的だよ!
成成くん
そうなんですか。わかりました。頑張ります!
成成くん
でも、「宇宙一わかりやすい高校物理」はどこまでできたら完璧なんですか?
成成くん
せっかく勉強するなら完璧にしたいんです!
科学先生
成成くんいいじゃないか!受験勉強にはその考え方がとても大事なんだよ!
科学先生
じゃあ、「宇宙一わかりやすい高校物理」の完璧の基準を教えるね!
ここまで出来たら完璧
~どこまでできたら完璧なの?~
<「宇宙一わかりやすい高校物理」完璧の基準>
・実践的な問題集を解く時、この参考書に書かれていた考え方が頭に浮かぶようになれば完璧!

→この参考書は考え方を身につけることを最終目標にするといい。これ以降の物理の学習がぐんと楽になるよ!
科学先生
基礎的な考え方が身についていないと、丸暗記した知識だけで問題を解くようになってしまう。これじゃあ、入試で使える応用力は身につかないよね?

成成くん
なるほど!考え方がぱっと頭に浮かぶようになればいいんですね!よくわかりました!
科学先生
そう!完璧の基準は具体的な方がいいからね!
成成くん
そうですね!頑張ります!
参考書を進めるペースとは?
成成くん
ここまでで「宇宙一わかりやすい高校物理」の使い方(勉強法)はわかりました。
成成くん
でも、「宇宙一わかりやすい高校物理」を「どのくらいのペース」で進めていけばいいかわかりません。


科学先生
たしかに、1日にどのくらい覚えていけばいいか分からないと計画的に勉強できないからね。
科学先生
ただ、大学受験は他の教科や単元との兼ね合いもあるし、人それぞれ得意不得意があるから「この参考書はこのペース」とは決められないんだ。
成成くん
たしかに、言われてみればそうですね。4月に勉強を始めた人と9月から始めた人が同じペースで勉強していたら変です。入試に間に合うように勉強しないといけないですね。
成成くん
そうしたら、ぼくはどうしたらいいんでしょう。
科学先生
まかせて、成成くん。そんなキミにピッタリのものがある!
科学先生
それが成成予備校の「合格スケジュール」だ!
成成くん
合格スケジュールってなんですか?
合格スケジュールとは
合格スケジュールとは
1人ひとりの合格から逆算した精密なキミだけの勉強計画なんだ。
毎日「その日にやらなければならないこと」が明確になるため、志望校合格への「最短ルート」から外れずに勉強することができるようになる。
科学先生
つまり、合格スケジュール通りに勉強できれば志望校に合格できる訳だ。

メルマガで秘密を公開!
「合格スケジュール」のサンプルを先に見てみよう!
キミはここまで細かい勉強計画を組めているかな?




成成くん
なるほど!ぼくも合格スケジュールが欲しいです!どうしたらいいですか?
科学先生
合格スケジュールを作るためには、「大学受験とはどういうものか」ちゃんと理解しないといけないからね。
科学先生
まずはそのために、「成成予備校の公式無料メルマガ」に登録しよう!
成成予備校は、このメルマガを14日間読み、大学受験についてしっかり理解した受験生限定で「合格スケジュール」を無料で作成するサービスを行っているんだ。
成成くん
なるほど、分かりました!登録します!


成成くん
でも、ぼくは今すぐに「合格スケジュール」が欲しいんです。何か方法はないですか?
科学先生
そんな成成くんのような受験生は、成成予備校の「体験受講」に申し込もう!
科学先生
合格スケジュールを今すぐ作って、成成予備校の「受験サポート」を30日間体験することが出来るんだよ。
成成くん
「受験サポート」サービスまで体験することが出来るんですね!すごい!申し込んでみます!



数ヵ月後…
成成くんは、
「宇宙一わかりやすい高校物理の使い方」を
完璧にした!!
成成くんは、
「物理の基礎力」を手に入れた!
成成くんの
物理レベル、受験生レベルが
上がった!!


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You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. Map your credit file to the most appropriate lender The broker will then research all the best remortgage deals for bad credit based on your loan amount and LTV, and work from the top down the list to the first lender that will be most likely to accept your application. Obviously if you have more severe credit history issues then a high street lender with the best deals is unlikely to approve you, so your rate and/or fees are likely to be higher. Don’t let that scare you however – you’d be surprised that the deals tend not to be astronomical and actually are still competitive. If there’s no one that will consider your application due to your credit history at that particular LTV, then be prepared to find more equity/deposit to lower the LTV into a bracket that lenders will consider (this may only be a few depending on your current situation, as lenders at 85 are much more flexible than at 90). 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There are likely to be options available to you. To help you understand the situation, let’s first take a look at why lenders might be unwilling to offer you a remortgage deal. Bad credit calculator Find out if you can get a mortgage with our new calculator. Check here Why Might Lenders Be Unwilling to Remortgage? Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. However, as with most things involving finance, there are a number of truths and myths which can become blurred. The biggest misconception is that the answer to a bad credit remortgage application will always be a resounding ‘no’. In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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