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I plan to take you with us on our journey through hig
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MessaggioInviato: Ven Ago 02, 2019 8:56 am    Oggetto:  I plan to take you with us on our journey through hig
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Hello! I plan to take you with us on our journey through high school. We are only beginning 6th grade this year but knowing that you are available when 9th grade comes is a huge relief and Iíve told all our homeschool moms in our group about you. Since youíve said that middle school is preparation for high school
, I would love a planner for my daughter or myself that would get us in the mode of keeping track of the things we need to. Can you advise me on which company has the best or tell me what we should be keeping track of now that will help us later (and be great records for our BOE.) THANK FOR ALL YOU DO AND GOD BLESS!!!


Iím not a huge fan of planners. Iíve had clients with every sort of planner under the sun, and Iíve figured one thing out. None of them work on their own. You have to actually DO something with them. I canít tell you how many empty boxes, empty notebooks, and empty computers I have seen!! Here is what I suggest instead:


First, find out what your state law requires. It may not be the same thing that is required of a public school.


Second, find a record keeping strategy that will work with your style. You can read article about record keeping here: ďCubbies, Tubbies and Binder Queensď. Your goal is to keep the records you need to have. Not lose anything.


I kept a binder for my Home School Education, and it was great for us. First, buy a big three-ring binder and a couple of sets of big tab dividers. Put a piece of paper behind each divider with a label for what you ďhopeď to put there. Keep the labels very general: Math, English, PE, Science. Have a label for every subject. If you donít know what subject something is, or if it crosses over many subject areas and you canít decide which one it is, still make a label for that. For example, Dance. Is it PE or Fine Arts? Donít spend time deciding, just label a divider ďDanceď and decide later. Have a label for every item required by state law. Our state requires a declaration of intent, annual testing, and immunization records, so I had a tab for each of those. Finally, add a tab for a transcript and for your reading list.


Each time your child produces something, use a three-hole punch and put it into the binder where it most likely belongs. You can always change your mind later, so donít spend too much time worrying about whether a report on Lincoln goes in History or in English. Just guess for now, and adjust later if you need to.


Record keeping is like homeschooling. It can be expensive, but it doesnít NEED to be expensive. I used a three ring binder, dividers, and notebook paper. That was my whole record keeping. Not expensive!




Millions of Americans have been affected by the recent housing crisis, and now, many people who have lost their homes to the bank are wondering how to buy a home after foreclosure. Although suffering foreclosure is a devastating and frightening experience with serious consequences to your credit score, it does not mean you will never be able to own a home again. Although the process is not easy and will take some time, it is important to understand that all hope is not lost and it ultimately is possible to purchase a home with bad credit.


The Waiting Period


One of the first things someone who has suffered foreclosure needs to understand is the waiting period that will follow before you can purchase a home again. Although the mark on your credit report from bankruptcy or foreclosure will last up to ten years, the waiting period to buy a home is, on average, two to four years. The longer the wait, the better your rates will be, and you may even qualify for as little as 3.5% down.


During the wait period between foreclosure and your next purchase, it is important to try to improve your credit any way you can in order to order to qualify for better loans at better rates. An easy way to start rebuilding your credit is to obtain, use, and make regular payments on a major credit card. By making regular monthly payments in full, you will demonstrate financial responsibility and creditworthiness to lenders. It is important to try to pay your card in full each month and not fall behind in your payments, as it will further damage your credit.


Lease to Own


While working on improving your credit score, you may wish to explore the option of a lease to own home. Under a lease to own agreement, potential buyers have to option to purchase the property they are renting after a set, agreed upon timeframe. This timeframe will vary from property to property, but on average, buyers can purchase their rental property after about three years. The time spent leasing the property allows you to earn credit toward closing costs or a down payment on the purchase of the home as you work to build your credit.


Suffering a foreclosure does not have to mean the dream of owning a home is over. Options are available to help you build your credit, get back on your feet, and become a homeowner once again.


William Hauselberg - About Author:
The author has an immense knowledge on purchase a home with bad credit. Know more about how to buy a home after foreclosure related info in his website.


Pain in the lower back is a major concern today, especially with people who have to either stand or sit in one place for long hours mostly due to work condition. Lower back pain is not a disease in itself but can be accounted for being a symptom for any other disease or deformity. Almost everyone gets affected by this condition at least once in their lifetime.
After headache it is the second most common neurological ailment. Physicians classify lower back pain according to the duration of symptoms as acute (less than 4 weeks), sub acute (4鈥?2 weeks), chronic (more than 12 weeks). Most of the lower back pai.
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MessaggioInviato: Ven Ago 02, 2019 8:56 am    Oggetto: Adv






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