For those who are an Early Childhood Educator or perhaps a stay at dwelling
mom, or when you personal your personal property day care, I’m certain you can
agree on one thing, rainy days might be boring.
You will discover some easy, effortless strategies to make a rainy day
enjoyable, fascinating, and still get those preschool children up, active, and
Right here are a number of tips you can use:
Although the young children are at play, cover a table with some newspaper,
tape it down, and get out 1-3 unique colors of paint and place a compact amount
of every single colour in diverse bowls or containers. Also have a paintbrush
for every single kid. Have three spots offered in the table with substantial
white pieces of paper. Have three young children at a time come over for the
table and paint their very own photos sharing the 3 colors of paint.
The purpose I emphasize the quantity 3 for this activity is that possessing
three youngsters paint at as soon as will make certain each of the children
will get a opportunity to paint relatively promptly without the need of waiting
as well long to get a turn, plus the second and most significant purpose is,
you will not get overwhelmed with obtaining as well a lot of papers to write
names on, hang to dry, and get the children’s hands washed if needed.
Painting won’t take all morning, so what are you able to do you do when
each of the kids have had a chance to create their masterpieces? Why not play
some enjoyable games.: )
Preschool oriented games will get the kids moving and give them a
opportunity to engage in gross motor activities and burn off some power.
A couple of game tips are:
Pass the Hot Potato~
Have the preschool young children kind a circle. It is possible to use any
object or use a real potato and pretend that it’s hot. Have the children pass
the “hot potato” immediately about the circle singing the song (for
the tune of London Bridge is Falling Down): Hot potato pass it on, pass it on,
pass it on. Hot potato pass it on, you, are out.
The child who’s holding the potato in the end on the song then gets a
sticker and sits outdoors the circle though the game continues. I do not like
to make a significant deal at who wins the game for the reason that I try and
emphasize how entertaining it is to play games and in some cases we will make
it for the end along with other instances we won’t.
All of the kids get a reward for playing the game and producing an effort
by getting a sticker. The kid who wins gets a sticker just like all of the rest
and I then give them all a high five for playing.
Continuing social, economic and political change over the last five years
has meant that the need for financial capability in young people is even more
pressing. In many western counties issues surrounding increasing levels of
personal debt, crashing markets and their effect on pensions mean that there is
a greater need for individuals to take a more active and informed interest in
their own financial future.
This article looks at various initiatives for teaching children about money
around the world.
In South Africa, Teach Children to Save (TCTS) is a one-day initiative
designed to spotlight the importance of teaching the country’s youth about
saving money. The objectives of the project include:
To raise awareness about the benefits of savings, financial planning and
foster a culture of saving. To demonstrate the important role that the
financial services sector can play in creating a financially literate nation.
To initiate a national program that encourages a collaborative, industry-wide
effort to increase financial literacy.
Teach Children to Save South Africa (TCTS SA) was launched during July
Savings Month on the 25th July 2008. On this day, volunteer bankers and
financial professionals became teachers for a day and delivered a one hour
savings lesson to learners in grades 4 to 7. This pilot initiative laid the
groundwork for an annual event that spotlights the important role that
financial service providers can play in educating the nation’s youth about
saving. While modelled on the U.S. program, TCTS SA was customized to align
with South African culture, financial education needs and the school curriculum
especially Economic Management Science.
Scotland was the first part of the UK to publish guidance for schools in this area, back in 1999 Learning and Teaching Scotland, published Financial Education in Scottish Schools – A Statement of Position. This document describes managing money is “one of the most important and challenging features of everyday living” while outlining a minimum entitlement within the school curriculum.
Their aims are for young people to understand key financial and economic ideas; be skilled in managing their financial affairs; recognise the importance of using financial resources responsibly and be able to operate in a confident and enterprising manner.
The Scottish programme as part of the 3-18 Curriculum for Excellence is
under-pinned by the expectation that every teacher is a teacher of Numeracy,
Literacy and Health and Well-being. A thematic / topic framework is suggested
which schools may adapt to their particular needs.The four main elements of
Financial Education in Scotland include: Financial Understanding, Financial
Competence, Financial Responsibility and Financial Enterprise
An Australian report, ‘Financial Literacy – Australians Understanding
Money’, found that young people are particularly interested in learning more
about issues such as budgeting, saving, managing debt and avoiding financial
Australian schools have introduced a nationally agreed Framework that
provides an integrated cross- curriculum approach for all students from
Kindergarten to Year 10.
Consumer and financial literacy will be integrated in programs across
English, Mathematics, Science, Humanities – (Business, Commerce, Economics,
Technology and Enterprise) Civics … Read More
We’ve all heard
of course newest iteration
is though the word was originally
registered as a trademark (USPTO) on February 1 1984 by Harold F. Weitzen. In
1988, H. Skip Weitzen published “Infopreneurs: Turning Data Into
Dollars” (John Wiley & Sons).”
As defined by
Wikipedia, an” Infopreneur is a person whose primary business is gathering
and selling electronic information. This term is a neologism portmanteau
derived from the words “information” and “entrepreneur”.
An infopreneur is
generally considered an “entrepreneur who makes money selling information
on the Internet. They use existing data and target an audience.”
For the purposes of
attraction marketing, I prefer the original definition: “turning data into
dollars.” I further recommend that the data or content should be yours,
not existing data. Too many people simply post articles they have read rather
than creating their own content. Content rules!! You should create your own.
So the question is,
how to turn data into dollars? The answer is crystal clear. Using an education
based marketing approach, you will attract more prospects more quickly. More
prospects turns quickly into more customers. More customers turns quickly into
more money in your pocket
There are many ways to
educate your marketplace and attract the best possible prospects. You can
create free reports, newspapers/newsletters, white papers, fliers, books or
even blog content.
You should create
market driven data which will appeal to your target population and draw them to
you in great numbers by fascinating them enough to entice them to WANT to speak
The irrefutable fact
is that if you are tired of cold calling and doing things the same way you’ve
been doing for years, then you need to do things differently. After all, we all
know the definition of insanity: doing the same thing over and over again and
expecting different results.
Although any of the
education based devices I discussed above are far and away better than the more
common approaches most of you are utilizing, one attraction marketing device in
particular outshines the others.
That device being
a BOOK . Becoming a published author
enhances your credibility and differentiates you from your competition like no
other vehicle. You will destroy your competition once you become THE authority
in your marketplace. Plus, you will create a legion of raving fans who are
happy to pay you a premium price; rather than just having some customers who
are likely to jump to the competition to save a couple dollars.
The choice is yours.
Stay in your comfort zone, continue banging your head against the wall and
believing the traditional wisdom that sales is a numbers game. You know that
“wisdom”. “See more people, you’ll make more money” or
“that NO just means I’m a little closer to that next YES”. I played
that game for years. It’s no fun. There are much better ways to attract new
You may be asking
yourself “Who am I to write a book?”
The financial returns
promised for FOREX are very high compared to the trading of stocks, futures or
commodities. One of the most prominent advantages associated with this trading
is that there are equal chances for success in falling as well as in rising
markets. The flexibility of the market is another advantage associated with it.
In stocks or futures
trading, the bear and bull condition of the market decides the trading
behavior. But in a market, the trader can reap profits independent of the
nature of the market. The transaction costs associated with the trading is low
compared to other modes of trading. The FOREX market is considered to be the
world’s most liquid market where the trading volumes are in trillions. In most
scenarios, the slippage of currency value is very limited compared to other
trading modes. The profit potential in trading is very high as the FOREX market
offers the highest leverage available. The order errors associated with FOREX
trading are minimal.
The costs associated
with FOREX trading are the minimum as there are no commissions or service
charges, only the spread between the cost to buy or sell a currency pair. All
trading is done electronically in the FOREX market. This makes trading
convenient and relatively error free. This electronic mode of trading is done
via sophisticated platforms that are provided free of charge by most forex
brokers. Many online tools are also available which makes decision making easy.
The historical data can be analyzed using these FOREX trading tools to arrive
at an investment decision.
The FOREX market is a
global market and hence the risks associated with the manipulation of currency
values are very few. The currencies cannot be manipulated easily which reduces
the risks associated with this mode of trading. Unlike the stock market, FOREX
trading is done in a wide market where manipulation is practically impossible.
There are no restrictions on the number or types of transaction in the FOREX
market. In FOREX markets, the trader is free to plan any trading strategy and
to implement the same. The returns and benefits associated with FOREX trading
can very high which drives many people to this mode of trading, but it is
important that you study & learn how to trade forex on a free demonstration
account before you trade with real money.… Read More
The U.S. government is
happy to help students pay for their continuing education so long as they
attend class. Truancy has resulted in a billion-dollar tax headache for the
U.S. Federal Government, according to the Treasury Inspector General for Tax
Administration, the office that is mandated with keeping an eye on the
operations of the Internal Revenue Service (IRS). The Administration’s
investigators found that approximately 2.1 million taxpayers may have received
$3.2 billion in American Opportunity Tax Credit claims erroneously between
January 1, 2010, and May 28, 2010.
Opportunity Tax Credit was created in 2009 to assist students in meeting the
cost of college. It gives out $2,500 toward college costs, much more than the
$1,800 Hope Credit, which it replaced. Even better, $1,000 of the student tax
relief is refundable, meaning that one is eligible for a refund if they don’t
owe any taxes when they file. This tax break is available through 2012.
In their analysis of
these figures, the TIGTA found that the IRS paid about $2.6 billion to 1.7
million persons who weren’t even attending college. Another $550 million went
to students who didn’t attend school at least half-time or who were graduate
students, contrary to the tax credit’s rules.
Students who were
registered as dependents on other people’s tax returns got another erroneous
$88 million in credit. Additionally, $256,000 in American Opportunity credit
money was paid to 250 prisoners.
The main tax benefit
of claiming an education credit is that the money comes directly off any monies
one owes the government in taxes. This enables students to use the money that
they have saved to pay for their college tuition and other qualified education
Alarmed by the stark
results of the review, the Treasury Inspector General for Tax Administration,
J. Russell George, admitted that the IRS lacked an effective process to
identify taxpayers who claimed erroneous education credits. He further stated
that if the problem was not addressed, it could lead to $12.8 billion in
erroneous refunds over a period of four years.
At the beginning, the
IRS was unwilling to accept the level of erroneous claims exposed by the TIGTA,
but it later admitted that it had discovered a “high percentage of the
claims with no supporting documentation to indeed be erroneous.”
As of July 2011, IRS
audit results indicated that 72% of the education claims it reviewed were not
correct. The IRS has issued assessments against about 1,500 of those returns,
adding up to over $2.2 million. Its officials noted that they expect to find even
more improper American Opportunity Tax Credit claims and, as a result, they
plan on reviewing more returns claiming education credits.
TIGTA offered a number of suggestions for the IRS, including revising the
current tax form to claim education credits, liaising with the Department of
Education to assess files in tax return processing using its data, and revising
compliance programs to nab taxpayers who erroneously claim the credit.… Read More