Teacher Education

A teacher’s job is a highly respected and specialized field, be it teaching kindergarten, grade school, high school, college, or post-graduate courses. Teachers are necessary in all fields of education, and in order to be teachers themselves, they need to be educated by experts in their desired fields. Teacher education is a diverse field, covering … Continue reading “Teacher Education”

A teacher’s job is a highly respected and specialized field, be it teaching kindergarten, grade school, high school, college, or post-graduate courses. Teachers are necessary in all fields of education, and in order to be teachers themselves, they need to be educated by experts in their desired fields.

Teacher education is a diverse field, covering numerous subjects and various methods of teaching. Teaching in any field is demanding and is a challenging task. Beyond regular education, some people choose to follow specialized paths, such as early childhood education or special education. These teachers need extra educational background in order to be certified to deal with their specific students. These teachers need to have extensive patience and be friendly with toddlers. Innovative play way methods need to be adopted to ensure continuing interest among kids.

Another specialized educational field is Montessori teaching. This style of teaching appears to be simple, but in reality, it is highly demanding. As this is a specific style of teaching, aimed at gifted or advanced students, with a degree of flexibility and customization not found in traditional curriculums, teachers will need to learn the best ways to work within the Montessori structure, and apply their educational background to this style of teaching.

Elementary or primary school is the backbone for all people’s education. Thus, these teachers have to be able to convey basic principles, such as reading, spelling, writing and math, as well as cover basic science, social studies, and sometimes foreign language courses. Of course, all of this has to be taught in an age-appropriate fashion. Elementary teacher education focuses on methods that work best for young students.

High school teachers face challenges elementary school teachers usually do not. Because they teach teenagers who are dealing with the issues of adolescence and can often “act out,” teachers need to learn how to engage and motivate this difficult age group. Subjects are taught in greater depth in high school, as well, so the teacher will need more specific knowledge. They also sometimes have to be ready to compensate for any gaps in elementary education, particularly deficiencies in the basics – reading, writing and math.

Business Financial Planning

Businesses often find financial planning a hassle. At the same time, it is critical to plan your finances well through the entire business cycle, be it before commencing, or after folding up (if you decide to merge or sell etc.) In truth, creating a financial strategy isn’t as tough as it seems to be. There are some steps which need to be kept in mind while planning your finances. Some of these steps are as listed below:

Establishing and defining the financial planner – client relationship
Gathering client data, goal – setting and expectation – defining
Analysis and evaluation of the existing financial status
Development and presentation of recommendations / alternatives
Implementation
Monitoring

It is important to note here that some of these steps will determine and influence the other ones. At the same time, some of these steps need to be carried out simultaneously. To understand these steps better let’s look into how each of these steps work.

Establishing and defining the financial planner – client relationship

In this step the financial planner, explains his / her services to the client. This means that they explain or document their responsibilities towards the project. Further in the same step he / she also chalks out the responsibilities of the client. The payment and terms and conditions are also negotiated in the same step and the time frames are negotiated as well. Decision making processes, SOPs, Specific Points of contact etc. are also decided at the same time.

Gathering client data, goal – setting and expectation – defining

In this stage the data related to the financial state of the client’s business is collected. The personal and financial goals are defined. A thorough SWOT analysis will also give an insight into the risk taking capacity and the estimated productivity of the business. This stage is actually where planner gathers all necessary information before advising the client anything.

Analysis and evaluation of the existing financial status

In this step, the client information is assessed and analyzed. This gives a clear idea about the current status and also helps in deciding what to do in order to achieve client’s business goals. Further, on the basis of the requested services, this stage may include the assessment of liabilities, assets, cash flow, tax strategy, investments, current insurance covers etc.

Welcome to Las Vegas

Las Vegas is a famous American city situated in the state of Nevada. It’s the largest city in the state and it’s widely known for its fine dining, shopping and gambling. Las Vegas was named the ‘World’s Entertainment Capital’ because of the numerous casino resorts. Other nicknames that this city got are the World’s Marriage Capital, the Second Chances Capital, Sin City and the World’s Gambling Capital.The fantasy-like atmosphere in Las Vegas is created by the giant and glamorous casino hotels. Their names evoke exotic destinations, mystery and romance.

Besides many casinos, Las Vegas also features numerous other attractions and sights. Go to the Fremont Street Experience. This is a pedestrian mall situated near the casinos. Every night you can see amazing multimedia shows on the canopy placed over the street. Another landmark is the Fountain Show from Bellagio. During the evenings, for 15 minutes, you can admire the ‘dance’ of these beautiful fountains. On Sunday and Saturday afternoons, the show lasts for an hour.

Las Vegas is known for their mega hotels…not just for casino play but also to stay and relax while you gamble and have fun! The question is not where do you stay but how do you get the best rates? Well, that is where HotelHut comes in. Booking online can be a tedious job because all those big popular online travel agencies are of no use. Their rates are basically the same and trying to find a discount can be a pain…unless you book thru HotelHut.com. HotelHut is a private membership hotel booking site offering their members deep discounted “unpublished” rates you’ll find nowhere else! Their Members can save up to 71% off retail!

Trolling Lake Michigan

There is no doubt that the Great Lakes are incredible fisheries. Thousands of people take to those lakes every year for a variety of fish. Lake Michigan is no different. There are many ways to catch fish on Lake Michigan. One of the best ways, though, is to always hire a guide.

There are many guides on the lake who specialise in different types of fishing. Look for a reputable guide who’s been working on the lake for a while and who can provide you with some references. Fishing Lake Michigan for the first time can be a daunting task. It can also be dangerous, if you have never fished big water before. Even the most seasoned of anglers pick up tips and trick from experienced guides. They understand which fishing lures are catching fish and where and how to use the most effectively.

Trolling is one way to catch fish on Lake Michigan. This requires knowing the depths at which the fish are holding and also the speed at which the fishing lures will work the best. The speed and depth of the fish will depend on the recent weather, the time of year, and the water temperature at various depths, among other factors. The fishing lures that worked on Lake Michigan in the spring may not be the same ones that will put fish in the boat in the fall.

Vocational Education

Blue collar jobs or vocational careers are still not the favourites of the masses. Parents want their children to have ‘professions’ or white collar jobs; technical jobs or blue collar jobs are still considered lower status. And this is destructive to our society, particularly in this 21st century world, where lack of essential skills – technical and vocational – is already costing us as an economy.

The bias against vocational education is dysfunctional and destructive to our children. There is no sense in stopping them from pursuing skills that they want to pursue and want to make a career in; there is no point in forcing them to the direction they do not want to go in, to jobs they’d find meaningless.

There are, though, some countries which place high value on skilling for school & colleges, where even those opt for vocational who could have gone to medical schools had that been their preference. These are the countries which have realized that they have to have enough of vocational talent to compete in the global marketplace and get ahead of the game. African countries are amongst the countries which have begun to spearhead different initiatives to promote vocational education in Africa educational institutions.

In the past, there have been many talks surrounding the importance of skilling for school & colleges; however, we’ve made very little progress since then. It’s true that change in the societal values will take time, but we can at least begin the change at the school or local level. We can at least introduce vocational skills to the children, even though they are primarily busy with formal education, which is again an essential part. And as Mahatma Gandhi once said, ‘be the change you want to see’, we should begin this change at our school, our collage and institute.

There are some nice companies out there which specialize in skilling for school & colleges, and even help corporates accomplish their CSR objectives, especially when they revolve around imparting vocational training to the underprivileged section of the society. These companies usually comprise of professionals who develop unique education & training content and trainers to deliver that content to the audience in the most effective manner.

Business Financial Analysis

Planning and Control are the two most important ingredients to a Successful Business. A Business Plan takes most of the guess work out of Business Strategy and Control through solid Financial analysis. Financial Data provides a way to gauge where you are in your Strategic Plan, telling you where changes in your Plan are necessary. Because of this, Financial Data Analysis and Management are vitally important to running a successful business.

It is extremely important to have a suitable Accounting System installed throughout your business so data acquisition is easy. You cannot manage your Business for Profitability without a good Accounting System. My CPA has a bookkeeper who comes out to the business to help install the Accounting System and show us how to work it. All of this is done with the guidance of the CPA but at a fraction of the cost. A good Bookkeeper is invaluable in helping capture Financial Data. Having an established working Accounting System in place will minimize the fees a CPA charges to analyze your tax liability and prepare your tax returns.

An Accounting System is typically built around the following key Financial Management tools:

– Income Statement (Profit & Loss Statement)
– Cash Flow Statement
– Balance Sheet
– Budget
– Breakeven Analysis

By having a Financial Management system in place, you can easily identify early warning signs or spot particularly profitable areas. Not having a system in place to analyze and organize Financial Data makes it impossible to effectively manage, grow and control a business. It makes it impossible to gauge the success (or lack there-of) of your Planning and Strategy. Moreover, used incorrectly, inaccurate Financial Data can be disastrous for a company’s livelihood.

An Accounting and Financial Management System is only as useful as it is used systematically throughout an entire business. It is extremely important to implement the system into the very fabric of the business and be used systematically. The Accounting System is a reflection of the health, or lack thereof, of a business and from which business decisions are made. Make sure to set it up right, train your people on it and most importantly, use it!

Two principal objectives of any business are to be Profitable and have Cash Flow to pay obligations. The Income Statement and Cash Flow Statement figure prominently in this area. The Income Statement represents how well a Company is operating, and the Cash Flow Statement shows how well a business is managing its Cash. Profit or Loss on one side and Liquidity on the other.

Educational Value of Games and Sports

Healthy mind can be found only in a healthy body. In a weak body there cannot be a healthy and active mind. And for a healthy body physical exercise is a must. Without physical exercise, our body will grow weak, lethargic and dull. The aim of education is the all round development of a personality. It cannot afford to neglect the physical aspect of a student. Development of mind and body are equally important in any good education.

Want of proper physical exercise in the form of games and sports develops many mental problems. Mere intellectual attainment is not enough. Good health and sound body are also a must to face the challenges of life. Therefore, games and sports are an integral part of school education. Education will remain incomplete without physical training and exercise. “All work and no play makes Jack a dull boy” is a famous saying. After studies some kid of physical exercise, games and sports are necessary. The refresh body and mind and provide recreation. A game of football or vallyball in the open air is very refreshing. A game of hockey or a match of badminton will help a student regain his lost mental and physical energy. There will be greater intake of oxygen, better blood circulation and digestion because of these. In the open, where games are played there is fresh air, openness and presence of nature. They have a very healthy influence on the players. Running, Jumping, kicking, swimming etc. provide vigorous exercise to our limbs and organs of the body. They provide us physical fitness, courage endurance, cooperation and team spirit. The players are more disciplined and fit than others. Sports and games along with education prepare us to stand up and face the challenges of life.

Games and sports are a valuable form of education. They develop our skills and abilities to the maximum. They teach discipline, obedience and cooperation. Every game has it own rules and regulations. They are binding on the players. All players have to follow them. There is penalty on their violation. One can never win a match without following the laws of the game. He has to abide by the judgement of the refree. It teaches a player how important are laws. It makes clear how important it is to follow the rules and regulations games and sports help us in producing very disciplined citizens, leaders and professionals. They teach how to cooperate with one another and achieve success. It is a playground or gymnasium where team spirit, cooperation and endurance can be taught best, games teach players how to ignore individual interests for the sake of greater interests of the team and society. This teaching of sacrifice is of great social and national interest. Games also teach fair play and faith in equality and justice. They enable us to take defeat and victory in a cheerful spirit.

Business of Financial Planning

We have learned from the economic crisis of 2008, to take care of where we invest or what we do with our money. It also taught us that in times of doubt, consult your advisor. The economic downfall in 2008 also opened opportunities for expert financial planners and newbies who wants to help people and business maximize their resources.

If you are wondering why you or your business needs financial planning, we have enlisted the perks here.

Financial planning enables businesses or individuals to allocate the right amount to the right area that needs improvement or more investment in a timely manner. This minimizes risk-taking and bad investments. Efficient financial planning would then eventually lead to better revenue and effective cost management.

Financial planning presents the costs and gains of a company or individual in numbers, giving them a clearer view of what they will be investing in. This makes it easier for decision makers to go or stop a contract or project.

A financial plan is prepared annually. This financial forecast explains how much the business or individual should expect and when to expect it. This not only shows how long the wait is going to be, but also the quantity of its profitability. Every month, a financial plan is also done to compare the annual plan prepared earlier to see if the target is being met, exceeded or otherwise. This warns the business owner or individual of possibilities and posed threats in the investment, and if it’s time to give up or not yet. Although it is not always correct, as there are so many things that could affect the business’ financial status, financial planning and management makes it easier to see what is and what can be.

While some people or business owners would want or need a financial planner as they can do this on their own, there are some who would need a planner’s help to get the load off their backs. Either way, when looking for a financial planning company to handle this hefty job, here are the things you have to consider.

License – find a licensed or certified financial planner, which signifies their abilities and credibility. Do not just jump on the first firm that comes your way in a desperate move to find one.

Pay structure – there are two major pay structures your planner may be a part of: fee-based and commission-based. Nothing of the two is better than the other; it is really up to the company or person what he/she prefers. There are also planner who, like free-lancers, can be paid by the hour or when you only need them

Financial Health of Your Business

A business must enter all its financial transactions in its books of account. It helps the accountants in tracking the incoming and the outgoing flow of cash through the business. Nowadays, the cloud based accounting systems maintain and process the books of account.

The corporate environment of every country is bound by certain statutory obligations. ACRA (Accounting and Corporate Regulatory Authority) of Singapore governs the corporate sector in Singapore. This agency has the duty to ensure all industries, irrespective of their size or niche, comply with the amended set of statutory requirements. Updated books of account, filing of financial statements, and paying taxes in time are the essential factors of these obligations.

The act of recording each financial transaction of the business and then, periodically checking the books of account has a far-reaching meaning to the business owners. The accounting software reduces the amount of manual work involved in the task. Each time, it processes the business data accurately and unfailingly. The software takes only a few seconds to process the data. The results obtained denote the financial health of the business.

On-the-Go Access

A cloud based accounting system saves and processes the business’ financial data on the cloud servers. It transmits the results to the business owner’s device, which can be an internet capable mobile or tablet. The software can also transmit the reports to the laptops, net books, and desktop computer.

The accounting software systems generate financial documents like cash flow, balance sheets, and profit and loss accounts for the inspection of the owners. They get a detailed info about the working and the financial standing of their businesses. The software also updates them about the financial position of their businesses with respect to their suppliers, customers, and creditors of their businesses.

The accounting software allows the owners to know about the fluctuations in their bank balances. It allows the owners to keep a firm control on their credit and debit situation. It ensures that they do have a chance to take appropriate actions before the commencement of a financial disaster or a broken commitment.