Category: Free Articles

After school programs can be divided into 3 broad categories: academic,
recreational and social. Balanced development takes place when there is
compatibility between the physical, mental as well as the educational
achievements of the child.As the name suggests recreational after school
programs are based on a sport or recreation. Some of the more common
physical activities include football, swimming and basketball.Some clubs
offer programs like gymnastics, trekking and hiking. In this case,
youngsters are often given a short class in first-aid class also.

Recreational after school programs offer children an opportunity to let
off some steam and to destress themselves. The closed classroom atmosphere
and a day full of textbooks and writing cause the child to repress his
natural enthusiasm. He curbs his energy when he is required to sit quietly
in class and learn. Physical activity is an all-time low during such
times. This physical lethargy and inaction is countermanded by
recreational activities. Growing concerns of obesity and child diabetes
make it necessary for children to indulge in some strenuous exercises that
will allow them to work up some sweat.

Unlike educational programs, recreational programs do not tax the
mental processes. But, they do aid the learning process by making the
child more active. A child who is physically active is mentally fit, and
is able to focus his thoughts on the work at hand. Additionally,
recreational programs teach discipline, mechanics of teamwork and fair
play. These are important lessons in the growing process.

As more and more nuclear families emerge, the child faces greater
isolation. Many children shuttle between their classroom and their
bedrooms and do not have any meaningful relationships outside these.
Recreational programs offer ample avenues for socialization. This is a
place the child can go to and play even when his neighbor is not the most
welcoming. The Boy / Girl Scout programs are excellent recreational after
school programs. Lately, survival classes and camps have devised to
combine important survival skills with sports and games to educate
children on how to handle emergencies.

Like any good after school program, recreational programs are designed to
give children a safe area where they can indulge in some group activities
that interest them. This is one of the most effective ways to keep kids
out of the streets and out of trouble. But, one has to be careful when
enrolling children for recreational classes. The age of the child, his
temperament and his physical caliber has to be taken into account before
you choose the right program for your child.

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A topic that frequently comes up in meetings and forums that deal
with homeschooling is record keeping. The importance of record
keeping cannot be ignored. It is not only legally required in
various States, but also provides important milestones in your
child’s learning experience. An interest-initiated homeschooling
approach means that the topic of studies is far ranging and
multifarious. Thus, it can be something of a challenge to write
quarterly reports for the school district, when it is difficult
to classify learning into neatly pigeonholed areas.

Record keeping is important not only for the sake of regulations.
It is also an exciting way to record and document the learning
process of the child. When most of the learning is done through
play and there is no clear cut index of topics that have to be
covered, it is necessary for the parent to keep some sort of a log
which records the child’s progress.

The records you keep can be as simple as a daily journal, or as
elaborate as a software program. If you participate in a support
group, you probably have set forms and requirements. But even so,
keeping track of daily work makes reporting easy and efficient.

There are various record keeping methods used by various
homeschools. Some of the more popular ones are:

Journal:
This can be maintained by the teacher or the student. This
basically aims to keep a log of what was learned and what was
done. Recording memorable events that happened in the course of
the year is a great way to reminisce later on.

Daily planner:
Lay out the plans and the assignments for the week in a teacher’s
planning notebook. Check each item as it is covered. Maintain a
separate area where any additional things can be recorded. This
includes educational trips, visits and videos etc. Any extra
topics that were covered are also recorded in this area. Make a
summary every quarter.

Portfolios:
This consists of a collection of varied materials that show what
the child has achieved and done during the course of study.
Portfolio assessment is a very effective way to chart the child’s
progress. It gives structure to the otherwise loose and flexible
form of schooling called homeschooling. A drawing portfolio will
consist of some paintings or sketches that are considered the best
in that quarter. A language portfolio may consist of essays,
stories, reading-logs, spelling samples or letters. Progress in
mathematics, fine arts, history, science and social studies can
all be recorded this way. The biggest advantage is that portfolio
assessment places control in the hands of the children. Having a
tangible record of what they have established eggs them on to
greater heights.

Other than the above-mentioned systems, there are also purchased
record-keeping systems that lay out a good checklist. Some of
these allow one to personalize the organizer. Irrespective of the
methods used, record keeping in one form or the other is
essential. Your child’s future may well depend on the
well-maintained record that you have meticulously kept over the
years.

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Real estate schools of thought

Everyone seems to be after real estate investments as that is regarded as one of the safest high return investments. There are various schools of thought on real estate investments. Let’s explore two of the most common real estate schools of thought.

One real estate school of thought talks about doing a lot of analysis. This real estate school of thought advocates studying a lot of factors which are generally linked to economic indicators. This real estate school of thought evaluates the economic indicators in many different ways. It takes its cues from a number of financial indices and how they are expected to perform in the near future. This real estate school of thought evaluates various socio-economic indicators at all levels – Global, national and local. This real estate school of thought evaluates inflation and things like value of money today and value of money next year etc. It uses all these evaluations in order to come up with predictions on how real estate industry is expected to fare in the next few years. So, this real estate school of thought tries to determine the buying power of people in order to determine the course of real estate prices. When it comes to evaluating the real estate trend with regards to a particular place (i.e. locally), this real estate school of thought takes into account various local factors like the unemployment rate, the industrial development in the region, the change in tax policies and any events that might affect the real estate prices in the area. It also takes into consideration the surrounding areas and the real estate trend in those areas. So, this real estate school of thought is really followed by arch real estate consultants/investors who know a lot about finance and put all that knowledge to use in determining the trends for real estate industry. However, that is just one real estate school of thought.

The other real estate school of thought doesn’t consider those factors at all. According to this real estate school of thought, real estate is always lucrative at all times and at all places. This real estate school of thought advocates looking for great deals. It’s this real estate school of thought that asks you to go to public auctions, look for distress sales and foreclosures, find motivated seller, rehab and sell, etc. So, this real estate school of thought focuses on getting the information about the best deals in town and taking advantage of them to make good profits.

So, those are the two real estate schools of thought and following either or both calls for time and effort (if you are to make any profits out of real estate investments).

Real estate management firms – making life easier
Real estate investment can happen for various reasons. You could invest in real estate because you need a house for yourself (that house of your dreams that you so badly want). You could use real estate as a means for supplementing your income either by buying at a lower price and selling at a higher price or by letting it out. Sometimes you might buy a property for the purpose of resale but might want to wait for a few years before you actually sell it. In such a case, again it would make sense to rent out the property and earn some money till you actually decide to sell it off.
Whatever the reason, letting out real estate demands real estate management and real estate management is not an easy job for everyone. In fact, a lot of people find it so much of a hassle that they prefer keeping their property vacant instead of letting it. Real estate management demands time, which you will rarely have. Real estate management is not just about finding tenants and collecting rent from them. Real estate management is also about ensuring that you do all the duties that a landlord/landlady is required to do. Real estate management is about verifying the credentials of the tenants before you actually let out your property to them. Real estate management is about ensuring that all the paper work is complete and correct i.e. the tenancy agreement etc are properly done. Real estate management also requires you to do repairs as and when required. Real estate management activities also include maintenance, painting, polishing etc of the house when the tenants move out and before the new tenants get in. So, really, real estate management is not that easy a job for someone who is in a full time job. However, there is a solution to this and that is hiring a real estate management firm to do all these activities on your behalf. Yes, this will mean that what you receive as an income by letting your property will be reduced (due to the commission/ fee charged by the real estate management firm). But that is just a small price for the convenience that a real estate management firm brings to you. However, it’s important that you choose the real estate management firm carefully. There are all kinds of real estate management firms out there (good and bad). You must check the references of the real estate management firm before you actually hire them for the job. A good real estate management firm will not only keep your property occupied at all times but will also ensure that you always receive the rent in time and without any hassle.

Real estate loan: Understanding the concept

Real estate loan is what a lot of people use to buy their home. Real estate loans have been instrumental in bringing joy to people by making that unaffordable house affordable. Some real estate investors too make use of real estate loans for buying properties. However, real estate loan is not free money and anyone who buys real estate or plans to buy real estate using real estate loan must understand the concept of real estate loan very clearly.

Real estate loan (also known as mortgage) is the money that you borrow from someone (a financial institution i.e. a mortgage lender) for the purpose of buying a property. The real estate loan generally covers a part of your purchase price and the remaining portion has to be paid by you upfront i.e. as down payment. The amount (i.e. the percentage of total purchase price) that you have to pay as down payment is dependent on a number of factors and you can generally reduce it to even 5% by going for mortgage insurance. FHA and VA loans (i.e. mortgage insurances through FHA and VA) reduce the down payment requirement on real estate loan even further. Whatever you borrow from the mortgage lender as real estate loan needs to be paid back to the mortgage lender over a period of time (and, of course, you will also need to pay appropriate interest on that real estate loan). The tenure of your real estate loan and the prevailing market rate will determine the amount of interest you pay for your real estate loan. Generally, you are required to pay back the real estate loan in the form of monthly instalments which are composed of both interest and principal portions of your real estate loan. Also, there are various types of real estate loans e.g. fixed interest rate loans and adjustable interest rate loans. So depending on what type of real estate loan you have gone for, your monthly payments might either remain constant (fixed rate) for the full tenure of the loan or keep getting adjusted periodically (adjustable rate) on the basis of a financial index. Besides that, some other costs are also associated with real estate loans e.g. there are closing costs, inspection costs, attorney fee etc. Also, in case the property needs some repairs, there will be costs associated with that too. Again, there is stamp duty and other taxes that you need to pay. So, really, you need to understand the concept of real estate loans and the related costs clearly before you actually go for the real estate loan. And understanding these concepts is really not that tough.

Real estate listings – Internet Vs newspaper

Whether you are looking to buy a home for living in or whether are looking to just invest in real estate, you will need to get hold of real estate listings as the first thing. Internet and newspapers are the most common ways of getting real estate listings.
With internet gaining popularity, internet real estate listings have become one of the easiest ways of checking out the real estate listings. Though the traditional method of looking for real estate listings (through newspapers) is still one of the most used methods, it is a very time consuming one. You have to read through various listings and sort out the ones that seem more suitable to you (and possibly write down the phone numbers and contact details on a piece of paper) and then call up the owners/brokers to fix an appointment for viewing the property (which may turn out to be totally disgusting in the end). Moreover, the newspaper listings generally happen on a weekly basis. So if a deal has materialised in the meanwhile, there is no way you can check it without actually calling up the owner/broker. On the contrary, the internet real estate listings (on a good real estate listings website) are updated everyday or maybe twice a week. Moreover, new real estate listings go up on the internet everyday (i.e. they don’t wait for the newspaper to get published). So, if you have been using only the newspaper as your source of real estate listing information, you might end up getting stale information. You might lose out on a deal that was out on internet, say 2 days before. As such, making the first offer can make a big difference when it comes to real estate. Further, you don’t need to go through all the real estate listings in order to determine the listings that look suitable to you. You can specify various search criteria/ filters in order to get only those real estate listings that you really want to look into. This is a big advantage when compared with newspapers where listings are generally classified just on the basis of location of the property. Thus you can save a lot of time here by browsing only through the real estate listings that are of interest to you. Moreover, there is no need to note phone numbers etc; you can just take printouts of the listings you want. Some websites also provide tools/ facilities to track those real estate listings. You could even contact the sellers by sending a message through the website (some websites provide such email type of facility). Another important benefit from real estate listings on internet is that some of them also contain images of the property. So you can have a look at the images and see if you like the property at all.

So, real estate listings on the internet do seem to offer a lot of convenience. However, internet or newspaper is really a matter of personal choice too.

Getting a real estate license

Real estate brokering is known as a very lucrative business and a lot of people are working as real estate agents throughout the nation. Not only are they making good money, they are also contributing to the society in a way i.e. by helping the sellers in selling their property and at the same time helping the buyers in buying a property. So, can anyone start real estate brokering? Well, not really.

Real estate license is a pre-requisite for becoming a real estate agent. However, obtaining a real estate license is not difficult. In most states, the qualifications for getting a real estate license are very minimal. So you should first check the eligibility criteria for obtaining a real estate license (rather pre-license) in your state. The real estate license eligibility criterion includes things like the minimum age limit (which is mostly 19 years) and educational qualifications (which is mostly high school). Once you know that you satisfy those real estate license (pre-license) eligibility criteria, you can go ahead and enrol for a pre-license training. There a number of real estate schools that offer real estate license training. Some real estate schools offer online training for real estate license. Choose a course that is spread over a sufficient duration of time e.g. 1 year so that you are able to grasp the concepts properly (after all you want to become a successful real estate agent and not just another real estate agent). You will be taught a number of topics as part of your real estate license training. All this will help you develop a basic understanding of real estate and various aspects related to real estate (e.g. real estate law, deeds, contracts, ownership transfer, etc) Once you have undergone this real estate license training, you will be required to undergo a state exam. After you pass this exam, you will generally need to undergo another training on state approved courses. And that’s it, you can now get a real estate license which is worth that effort (as you will find in a couple of years of starting real state brokering). Most states also require you to go for continuous education after you have received your real estate license. However, this is a just a few hours every few years.

So real estate license is what you need to start your career as real estate agent. But your success after that will be dependent on how seriously, ethically and smartly you carry out your job.