Posts Tagged s education
Saving For Children’s Education
Posted by admin in Children Education on January 14, 2012
One of the most common financial goals that couples have is to save money for their children’s education, whether that be at a private school or a tertiary institution. Saving for this purpose is no different than saving for any other goal in life, yet there is a common misperception that funds need to be set aside separately or even in the child’s name for this purpose. That can lead to a lower rate of investment return in some cases.
If you are going to save for your children’s education, then you’re probably looking at saving tens of thousands of dollars and it will take a number of years to get to that target.
That means starting when the child is young – in fact, probably at the preschool age. Anybody with preschoolers most probably has a mortgage. With mortgage interest rates being so high, the best place to put your money is into your mortgage to keep the interest payments down. If, for example, you are paying say 7.0% interest on your mortgage you would need to earn at least 7.0% after tax on an investment to make it worthwhile investing and not paying your mortgage. So pay off your debt as fast as you can, and then remortgage later if your still really want to help your kids. If you have grandchildren that you wish to provide for, the situation may be a little different. You probably won’t have a mortgage and you may wish to make funds available that are clearly earmarked for your grandchildren and clearly specified to be used only for education costs. A good way of achieving these objectives is to set up an education trust. This can be done through a solicitor or trustee company. There will be a fee involved to establish and maintain the trust, but there will be safeguards in place to ensure that the funds are used for the purpose you intend. An education trust can be particularly useful in certain situations, for example, where there is a relationship breakdown between parents and a parent or grandparent wishes to make funds available without the risk of the money being used for a different purpose. An education trust can also be used where funds might be at risk of a possible future claim by business creditors.
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Preschool Lesson Plans for Free
Posted by admin in Lesson Plans on January 14, 2012
Remember the good ol’ days when life was simple, laid back, and cheaper? Well, those days are clearly over. We are living in a fast paced, complicated, expensive world, and that goes for children as well. Raising kids costs a fortune for every parent.
Fortunately there are some things that we can do to help defray the cost. Cutting coupons, pinching pennies, and recycling things are all ways that we can save money. We can also find thousands of preschool lesson plans for free on the internet. Whether you are a parent or teacher, the word free is music to your ears.
Preschool fundraisers are used for lots of things but lesson plans should not be one of those items.
Lesson Plans Abound
Teachers are always looking for new ways to excite their preschoolers about learning. They visit conferences and buy books looking for new and fun lesson plans. Unfortunately, these things cost money, and quite a bit of it. That is why teachers love preschool lesson plans for free. There are dozens of websites that have new postings of lessons daily. They have games that you can play with the kids that are fun and educational. There is also a place where teachers can talk to each other and share their ideas. This is a favorite for many teachers because they get to talk with other teachers about their concerns or ideas. This is also hundreds if not thousands of dollars cheaper than buying books and visiting conferences each year.
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