Some Financial Aspects of Property and Real Estate Investments

 

Property or genuine domains are not thought to be truly fluid venture instruments since individual properties or genuine bequests are not exchangeable. In this way distinguishing area or land in which to contribute can take an entirely high measure of time and endeavors and much relies on upon how commonplace the speculators may progress toward becoming with the specific section of the market comparing to their interests. Land or land speculators frequently utilize an assortment of examination strategies to make their lives somewhat simpler, by methods for value correlation. The wellsprings of data with respect to costs may include: open sell-offs, private deals, open offices, showcase postings or land operators.

Land or land resources are a great deal more costly than bonds or stocks. Hence financial specialists regularly profit themselves of a home loan credit that can be collateralized by the land or land itself. As needs be we as a rule utilize the terms *equity* or *leverage* with reference to the cash paid by the financial specialist rather than the sum loaned by the bank. Their proportion is called Loan-to-Value (LTV) which is considered to speak to the hazard taken by the speculator. Most banks respect 20% of the evaluated an incentive as a base value necessity. A significant number of annuity assets and REITs, or Real Estate Investment Trusts, frequently buy land or land with *zero* use in this manner limiting their dangers, however topping their Return-On-Investment (ROI) also.

On the off chance that the buy of the land or land is utilized, the important regularly scheduled payments or “convey expenses” may make a negative income for the financial specialist immediately after buy. Notwithstanding conceivable positive income components, for example, those produced by deterioration, value development and capital thankfulness, financial specialists may likewise somewhat or totally balance the “convey costs” by methods for the purported Net Operating Income, or NOI. This specialized term commonly implies *rents less expenses* and in nations other than the US it is regularly alluded to as Net Cash Flow. The proportion *NOI/buy price* is known as the Capitalization Rate. It in a roundabout way demonstrates in how long the property or land will pay for itself in an intrigue free budgetary condition.

E.g. in the event that a financial specialist has obtained a land parcel or land for $ 800,000 which creates a positive Net Operating Income of $ 40,000 every year, then the Capitalization Rate of the property is 5%. It demonstrates the speculator that the land property or land will pay for itself in 20 years regarding net money streams.

Are Homeschool Curriculum Packages Worth Using?

Have you ever imagined what it was like to homeschool in the early 1980s? Most families were forced to either make their own homeschool curriculum or choose from a handful of available Christian homeschool curriculum packages. Complete with workbooks for multiple subject areas and accompanying teacher’s guides, quizzes, and tests, homeschool curriculum packages helped parents feel confident in providing a comprehensive, rock-solid education. What’s more, the well-organized and structured lesson plan format made homeschooling more acceptable to questioning school officials and skeptical family members.

Times have changed, however, and today’s families enjoy society’s more accepted view on homeschooling, as well as hundreds, if not thousands, of homeschool curriculum options. From freebies on the Internet to curriculum companies offering preschool or single-course curriculum in math, reading, or science, homeschooling families have an abundance of resources to create a customized homeschool curriculum that perfectly matches their child’s learning style. With so much at their disposal, is there still a need for homeschoolers to continue using the classic homeschool curriculum package? You bet! Here are some reasons why:

Although time and technology have changed homeschooling, parents still experience the same self-doubts and insecurities when choosing homeschool curriculum for the first time. Unsure of their abilities to teach academics and how to start, first-time homeschooling parents can alleviate fears and find success using time-tested homeschool curriculum packages. Like the outline of a research paper, step-by-step teaching directions and easy-to-follow curriculum guides provide the foundation on which to build one’s teaching confidence. Eventually, homeschooling parents learn how their child learns best and feel secure to deviate from lesson plans and add creative supplemental resources to enrich their homeschooling day.

The expense of homeschool curriculum packages may seem like a detriment when choosing homeschool curriculum. However, families with more than one child should keep in mind that non-consumable curriculum, such as computer-based, CD-ROM curriculum, can actually save a family more money over the course of several years. In addition, most homeschool curriculum packages usually cost less than individually purchasing the core subjects of math, science, language arts, history and geography, and Bible. Plus, many top-name publishers make it easy to customize packaged curriculum. Receiving the same discounted pricing, parents can mix and match when a child needs a higher or lower grade level in a particular subject area.

Since the department of education in most states recognizes homeschool curriculum packages offered by major publishing companies, homeschooling parents can avoid the hassle of submitting scope and sequences or lesson plans, and they can meet other curriculum requirements for state homeschooling laws.

Children transitioning from a public or private school to a homeschooling environment will find it easier to adjust using homeschool curriculum packages. Replicating the traditional school model, the curriculum provides a more familiar learning approach.

Teaching with all-in-one homeschool curriculum packages also eliminates the concern homeschooling parents have in addressing learning gaps. Consistently using one curriculum ensures children are learning information that builds on itself in each subject area. Plus, parents find that many subjects within homeschool curriculum packages complement each other to provide a complete, comprehensive education.

Five Things To Look For In An Online Christian Curriculum

Thinking about using an online Christian curriculum program to home educate your child? For many parents, this educational option provides a unique opportunity for their child to receive an affordable, quality Christian education. However, whether parents are supplementing a few courses along with other homeschool curriculum or enrolling their child in an entire distance learning program, there are some questions to answer before choosing an online Christian curriculum program. To determine which is best for your child, consider these five important questions:

Is the online curriculum truly Bible-based?
Many distance learning programs offer online curriculum that does not present Christianity favorably or even relate their subject matter to God. Since having a child taught through the lens of a Christian worldview is an important consideration, Christian parents would be wise to research online homeschool curriculum reviews before purchasing curriculum. Opinions and advice from other homeschooling families will provide helpful information in choosing the right online distance learning program for your family.

What curriculum formats are offered in the online program?
There are several curriculum options offered in online homeschool programs, such as:
• Web-based – Where all materials are available online and completed over the Internet.
• Computer-based – Where curriculum includes ebooks, satellite broadcasts, or CD-ROM materials sent to your home.
• Traditional – Where some materials are online, but most of the classes use conventional, print-based workbooks.

Is the online curriculum student led or teacher directed?
• Student-led curriculum allows a child to work independently at his own pace. The child usually interacts only with the material and receives computerized feedback that corrects and grades his work.
• Teacher-directed curriculum provides a child with access to a teacher and the material. Personal, one-on-one interaction is available with tutors. In addition, some online school programs provide forums or discussion boards to interact with other students. The child normally works independently and has flexible deadlines for completing assigned lessons.

What lesson assignments and evaluations are offered?
When determining what online Christian curriculum to use, parents should think about what types of assignments they want their child to do for each subject. Does the curriculum offer fun-filled projects, multimedia tutorials, and other online learning tools? Plus, what criteria is used to determine if a child has learned the subject matter correctly. Will tests and quizzes be mostly multiple choice and true or false questions, or does the online curriculum also offer short answer and essay writing tests?

Is the online Christian curriculum program accredited?
Although accreditation usually doesn’t play a major role in elementary level grades, some families do want their older children to receive a degree from an accredited institution. While the curriculum itself is not accredited, an accredited distance learning institution is able to provide an official high school diploma that does offer more recognition of a child’s academic achievement to colleges. However, many of today’s universities are much more favorable to home education and accept a child for entrance based on a homeschool transcript and ACT or SAT test scores.

Finding an online Christian curriculum program doesn’t have to be difficult. Simply use these five questions to help narrow down your options, and you’ll be sure to find the online distance learning program that fits your family’s home education needs perfectly.

A – Z Theme-based Curriculum For Early Childhood

When it comes to teaching preschoolers, theme-based units are not only fun, they’re also great for integrating learning across several subject areas. Language, literature, math, science, history, geography, music, art, and Bible topics are easily included within a topical unit study which enhances early childhood education in a child’s area of interest.

Using these three steps and the helpful A-Z list of ideas below will help you create an effective elementary thematic unit program for your child.

1 – Identify Your Theme
Integrated learning units usually center around a specific theme or topic, such as safety, belonging, animals, or food. Very often, a piece of children’s literature or a particular Bible passage will serve as the core of a unit. Questions you should ask yourself when planning your theme include

–What do I want my child to learn as a result of participating in this unit?
–Is my child naturally curious about this topic?
–Does my child have some previous background knowledge about this theme?

2 – Create Theme-related Activities
Thinking of ideas for specific activities within the theme requires brainstorming. If you’re having trouble coming up with ideas, brainstorm together with a friend and consider these questions:

–What learning activities or play fit naturally into this unit?
–Are the learning activities developmentally appropriate, not too hard or too easy?
–Are the activities purposeful and worthwhile? (Just because an activity is cute or crafty doesn’t mean it’s a good reason to include it in your preschool lessons.)

3 – Implement the Theme
You’re now ready to implement the creative unit study you’ve designed for your preschooler’s early childhood education. To make learning more fun, ask yourself the following:

–What’s an intriguing way to introduce the unit?
–What books, manipulatives, curriculum, and other learning resources do I need?
–How will I end our theme-based unit study, evaluate its success, and assess my child’s development according to its standards?

Suggested theme topics for your preschooler’s early childhood education curriculum:

Alphabet
Ants
Apples

Body Parts
Birds
Butterflies

Colors
Circus
Cowboys

Dinosaurs
Ducks
Desert

Easter
Elephants
Eggs

Fire Safety
Friendships
Flowers

Gardening
Germs
Grocery Store