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by Kimberly Carlson
You need not dive in to homeschooling once and for all and feel if you fail in your attempt, your child can never go back to school again. The ideal way to introduce homeschooling to your child, and yourself, is to give a trial run during the summer as that is when you can see if both parties are cut out for this kind of instruction.
Many different forms of home schooling exist; and though they conjure up images of kids sitting around a kitchen table with mom day in and day out, modern day home schooling is very different. Yes, there is instruction from parents, but it doesn’t just have to be mom any more. And more importantly, it is not just sitting at the kitchen table that is enough to give kids the extra edge you want them to have by educating them at home.
Extracurricular activities, science experiments, music class, art fairs and the like are extra stuff you have to make the effort to do in home schooling so that your child gets a holistic approach to education not just books and pens.
Homeschooling can solve these problems provided you are willing to make the commitment to spend a lot of time with your child. Some parents love sending their kids to school as they feel they get some time on their own do stuff inside or outside the house.
If you opt for homeschooling not only will you be spending more time at the kitchen table doing lessons with your child, you will also be chauffeuring him or her to and from extracurricular activities that are essential for the complete development of a child.
Many parents like giving homeschooling a try in the summer when the days are longer, the children more relaxed and a lot to do outdoors as hands on activities. It also gives them a real experience of what materials and resources they would need to run a school at home. In addition to the books and materials, you also need to find options for child care for younger siblings during homeschooling instruction hours as well as extra help perhaps with household chores like cooking and laundry which you used to tackle while the kids were at school.
You will need to manage time in a way that you are at par with the outline you have designed or one that you are following from a book so that your child is not lagging in any subject area.
Both sides have their points and there is no correct answer. You need to see what works for your family. Perhaps give it a trial run in the summer and then see if home schooling works for you and your children; good luck.
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Most people reason that you need intricate, high-priced retirement planning products to get the most out of your planning. Not so! Many good retirement planning tools can be had for free. They may not have tons of add ons, but sometimes simple can be perfect, too.
Start with Budgeting
This tool may not seem all that inspired, but it can make a huge difference in your retirement planning: a budget. Plan that budget starting with a piece of paper, or a blank spreadsheet, if you want to use your computer. Go through your checkbook, credit card statement, and bank statement and write down all of your monthly expenses, including your utilities, credit cards, eating out, groceries, and snacks.
Write down every single thing that you spent money on, even if it was just for fun. Now, at the bottom of the page, subtract the amount from your total take-home income. Anything that is left over is potential for retirement funds.
If you don’t have anything left over, then it may be time to rethink your budget. Cut back on the little things so that you can plan for the big thing, retirement.
A Great Resource is Your Former Company
Many individuals don’t realize that the best retirement planning kits can be found at their job; it is called the personnel office. Personnel can help you find and sign up for every perk, investment, and savings benefit your employer has to offer. Some businesses even work with banks and local investment firms to get retirement information to their employees. Stock up on the brochures and reading material that the office has as well. It’s like getting top-of-the-line retirement advice for free!
Use the Internet
You can get tons of nifty retirement planning tools on the internet. A lot of it is what’s called Shareware, which are programs that are created by programmers in their spare time to offer to the public free of charge. The Vanguard Retirement Calculator helps you see if you are investing enough and helps you average your investment returns. AARP has a Retirement Roadmap Tool that helps determine how much your retirement dreams will cost in the real world. Principal Financial Group offers many different kinds of planning and investment calculators for planning for retirement. CNN Money.com offers an intensive calculator that covers investments, goals, income, savings, and portfolios.
Finding out about retirement planning information does not need to be expensive if you have access to the internet.
- Free Retirement Planning Tools
Most folks reason that you need elaborate, high-priced retirement planning tools to get the most out of your planning. Not so! Many good retirement planning products can be had for free. They may not have tons of bells and whistles, but sometimes simple can be perfect, too.
The Budget Tool
This tool may not seem all that exceptional, but it can make a huge difference in your retirement planning: a budget. Making a budget only requires you to have a pen and a piece of paper, or a blank spreadsheet, if you want to use your computer. Go through your checkbook, credit card statement, and bank statement and write down all of your monthly expenses, including your utilities, credit cards, eating out, groceries, and snacks.
Write down every single thing that you spent money on, even if it was just for fun. Now, at the bottom of the page, subtract the amount from your total take-home income. Anything that is left over is potential for retirement funds.
If you don’t have anything left over, then it may be time to rethink your budget. Cut back on the little things so that you can plan for the big thing, retirement.
The Personnel Office
Many people don’t realize that the best retirement planning tools can be found at their job; it is called the personnel office. Personnel can help you find and sign up for every perk, investment, and savings benefit your employer has to offer. Some businesses even work with banks and local investment firms to get retirement information to their employees. Stock up on the brochures and reading material that the office has as well. It’s like getting top-of-the-line retirement advice for free!
Information for Free
You can get tons of nifty retirement planning products on the internet. A lot of it is what’s called Shareware, which are programs that are created by programmers in their spare time to offer to the public free of charge. The Vanguard Retirement Calculator helps you see if you are investing enough and helps you average your investment returns. AARP has a Retirement Roadmap Tool that helps determine how much your retirement dreams will cost in the real world. Principal Financial Group offers many different kinds of planning and investment calculators for planning for retirement. CNN Money.com offers an intensive calculator that covers investments, goals, income, savings, and portfolios.
Free retirement planning tools can found on the internet