TEFL and ESL Board Games For the Classroom

Classroom board games are probably one of the most effective teaching tools available. Here we see how to stimulate and motivate students, and provide a welcome change to more standard classroom teaching approaches, giving students a refreshing new focus to practice their spoken English.
A few important points to bear in mind when using board games, which will increase their effectiveness and get the students speaking in English are:

1. The first rule to establish is that the game is to be played in English. Give some input vocabulary such as 'Whose turn is it?', 'Pass the dice please' or for a bit of fun 'Hey, stop cheating!'. Then as the game progresses and you see other linguistic requirements, supply them, drill them briefly, and continue to play. I often have students keep a separate booklet for game playing vocabulary. The students motivation is strong, so take advantage of it!
2. Encourage students to speak in only English by establishing the second rule: not speaking in the target language forfeits a turn. This sounds a little dramatic and harsh, but you'll be amazed how well it works. It also creates an enormous amount of spontaneity of language, resulting in increased fluency and a reduction in response times.
3. Teachers usually think in terms of one-class time slots, whereby the material to be used is to be finished by the end of the allotted time. This can lead to unnecessarily self-imposed restrictions on the choice of materials. I often let a game run for 3 or 4 lessons in order to let the students become highly familiar with the vocabulary fields as well as letting them build up a sense of momentum to the outcome.
4. Students should 'earn' the right to take a turn to generate the motive for speaking. This would mean, for example, asking a team to answer a question before being allowed to take a turn. Depending on the the theme of the board game, you may also use relevant video clips, story reconstructions with visuals or maybe role play situations in parallel, which allow students to score points which in turn allow them to throw the dice.
5. Don't just limit yourself to the rules in the game. Feel free to 'play God' and adjust the rules as you find convenient to make the game move more slowly or faster. It's amazing how our knee-jerk reaction to a game's set of rules sometimes leaves us feeling powerless over how to play the game! Such changes may include giving new consequences to the value of a throw on the dice e.g. 'if a player throws a 5, then they get to throw again'. Wham! You've got a new dimension to the game.
6. Keep teacher talking time down! Let the students run the game - you just police it from a distance, supplying language as required. Because a board game generates spontaneous situations within a defined linguistic area, this is the perfect opportunity for the teacher to take back stage, and just give 'hot correction' when required. Error feed back and remedial work can be given at intervals as appropriate.

Adrian Allen is one of the co-founders of http://www.findateacher.es This is a bilingual search tool for private teachers to advertise themselves to students. It can be used either for free, or by paying a small subscription fee for better ranking in the database.

By Adrian Allen

Game Cheats And How You Can Use Them Without Feelig Bad

Florida Housing Market: Optimistic Perspectives Of Local Homeowners

A recent survey reveals that 58 % of home owners across Florida place positive views regarding the continual rise of the value of their homes over the subsequent 12 months. The general perspective holds regardless of indications that the five-year boom in the Florida housing market is declining. This online survey, which is conducted every year by Florida-based Attorneys? Title Insurance Fund?s Consumer Education Campaign, samples a poll of more than a thousand home owners throughout the state within the period of May 30 to June 6, 2006. The survey focused on dynamic Florida housing markets such as Broward, Miami-Dade County, Tampa, Sarasota County, Fort Myers-Naples, West Palm Beach, and Orlando. The respondents are aged 18 and above. The survey puts forward that home owners have been vigilant about the condition of the Florida housing market, in spite of the fact that affordability remains to be the major obstacle to purchasing a home (71 % of respondents? opinions). Homeowners in Miami-Dade and Fort Myers-Naples are even more likely to say that ?affordability? is a considerable purchasing obstacle (both 83 %). With nearly a 30 % rise from 2005 figures, Tampa witnesses the biggest increase in percent citing ?affordability? as the primary obstacle to home ownership compared to other areas in Florida.

The interesting facet of the result reveals that the views of home owners across Florida are split about whether the year 2006 is a good or bad time to purchase Florida real estate (amounting to 42 % for both views). However, by examining samples for select regions such as Sarasota County (53 %), West Palm Beach (49 %), and Orlando (43 %), statistics reveal a slightly higher chance to believe that now is a good time to buy a home as compared to regions like Tampa (42 %), Broward County (39 %), and Miami-Dade (34 %).

Nonetheless, hurricanes still linger within the minds of home owners. Nearly half of all respondents (47 %) said that they have apprehensions about being hit by a storm. Another 16 % of the respondents mention the impact of a housing bubble as their biggest worry, and even fewer cite escalating mortgage interest rates (13 %), devaluating home prices (5 %), or becoming the victim of real estate scam (1 %) as their biggest real estate anxiety in Florida. What is surprising about these figures is that Florida home owners do not rank high in terms of the concern of being the victim of real estate fraud, especially for the fact that Florida was recently branded as the top state across the nation with regards to prevalence of mortgage frauds.

The survey also reveals that the most confusing part of purchasing a property in the Florida housing market is the understanding real estate laws, which is evident in 41 % of the respondents citing such. In point of fact, about a third of Florida home owners found that understanding Florida real estate law is extremely confusing. Other aspects in the process of buying Florida real estate that are considered confusing includes understanding settlement/closing process with 24 % of the respondents saying that it is extremely confusing.

About half of home owners of Florida (48 %) have consulted with a real estate attorney in the past. This aspect of the survey shows that residents in South Florida consult real estate attorneys more frequently compared to residents in other parts of the state. For instance, 67 % of residents in Miami-Dade County, 61 % in Broward and 60 % of residents in West Palm Beach cite that they have been consulting with real estate attorneys, whereas only 37 % of residents in Tampa and 44 % in Orlando have done so.

Dranreb Earl Juanico

http://florida-mortgage.xon.us

Residential Real Estate Appraisal

An appraisal is simply an opinion of value. Some appraisals are a professional appraiser's opinion, others are guesses. Still others are based upon the sometimes harsh reality of the marketplace. The most important factors for appraisers are figures of recent real estate sales involving comparable properties. Basically, there are only two opinions that matter.

(1) The list price is a wishful-thinking value, merely a hopeful estimate. It is set by the seller. The sale price is the real value. It is determined by you, the buyer. Of course, the price you finally agree to pay is partially determined by the seller through the negotiation process. But you and only you decide how much you are willing to pay.

The lender's is the second opinion that truly matters. The bank usually employs appraisers, although sometimes it uses third party fee appraisers. A value of the property is determined, and the lender will then make a mortgage loan based on this figure.

If the lender's appraisal comes in lower than your agreed-upon sale price, you may not be able to buy the home. The lender bases its lending decision upon this professional opinion of value. It will only loan a percentage of this figure. Therefore, if you are counting on using the lender's funds in a certain amount to finance the purchase of your home, a low appraisal from the bank can seriously damage your first time home buying efforts.

The lender's opinion of value can be disputed. The appraisal department at a bank will usually welcome previously overlooked comparable sales data (comps) and other factors which might affect their appraisal. Sometimes there were sales in the area of which the appraiser was unaware. You and/or your real estate agent often know about non-MLS sales of which the bank appraiser has no knowledge.

Perhaps you decided to buy this house because the seller spent thousands on structural and mechanical system upgrades. The lender is not to aware of these value-enhancing improvements. When you bring them to the appraiser's attention, you quite possibly will induce the appraisal department to raise the appraisal figure. The critical point to remember about this is: If the lender produces a low appraisal, you can always contest it.

You might hear complaints when the lender's appraisers express a low opinion of value - Why don't they just appraise at sales price? After all, THESE buyers are willing to pay that much. Surely others would, too. Ah, but that's NOT necessarily true. Some buyers (hopefully not you) do agree to pay too much. The lender needs to protect itself from these lovestruck buyers who must have that home. If the bank eventually has to become the owner, by having to foreclose, it must have reasonable expectations of being able to recover all or most of its investment.

When negotiating the purchase of your home, be sure you are always being prepared to walk away from the transaction if the seller is too unreasonable. There are plenty of other homes available. If you do this, the lender's real estate appraisal will almost certainly come in at or above your sales price and thus cause you no problem.

Keep the Golden Rule in mind: The banks have the gold, so they make the rules.

Paul Anderberg
http://www.first-time-home-buying.net

Mr. Anderberg is the author of many helpful articles about home buying. Visit his website to read more. Several others are also available on this site.

Twins: Getting Out and About

One of the most frustrating things I've found about being the mother of twins is that getting out of the house alone with them can be very difficult. I've often longingly thought back to my leisurely outings with my first child and wished life were still that easy now! Nonetheless, however challenging it may be to get out and about with two babies, with a little planning and flexibility, it is entirely possible to go do errands, visit with family and friends, or just get outside for some fresh air.

Getting Ready

Things go much more smoothly when you've got everything you need organized before you start getting your twins ready to go. So while they are either napping or playing on their own, get going by making sure the diaper bag is stocked and ready with the necessary supplies, including food, drinks and a change of clothes. Next, get out their coats, shoes, hats or snowsuits, and put them where you will be dressing the babies. If they still travel in infant car seats, put these ready to go by the door or have your stroller just outside. Don't forget about supplies that you'll need to keep yourself happy too, such as a coffee or something to munch on later.

Getting Out

After you change the babies' diapers, get them dressed and into the car seat or stroller, beginning with the twin who is likely to be the most agreeable at that time (the less crying, the better!). If they are out of their infant car seats, you either carry both of them out to your vehicle at the same time (not an easy feat), or leave one in a safe place in the house while you put the other one in the vehicle or stroller first. Be ready for either one or both babies to be madly crying while you do this!

Getting About

Most times you will be using a stroller to transport your twins. There are many types of twin strollers or double strollers on the market to suit the different needs of your lifestyle. If your main activity will be going for walks or jogs with your babies, you'll need to have either a good double all-terrain stroller or a double jogging stroller. If you will often have to take them along for errands and shopping, then a regular mall double stroller is all you need. With infants, a double universal car seat carrier (stroller frame) is invaluable, since they can remain comfortably in their infant car seats while you transfer them from the house or vehicle to the wheeled frame. There are lots of options out there, so make sure you research what your lifestyle needs are before purchasing a double stroller, since they are more expensive and will need to take double the abuse of single strollers. It will make your outings much more pleasant if your stroller has all the features you really need and want.

Getting Help

If you can, plan to have someone come along and help you from time to time when you go out with your twins. Schedule a relaxed afternoon of shopping with your mom or a trip to the zoo with a friend. Having an extra pair of hands makes the outing a lot easier and it gives you the opportunity to have some adult conversation for a change!

Getting Real

Unfortunately, there will be some days when you really want to get out of the house with your twins and it just won't be possible without you having a nervous breakdown. Either one baby or both will wake up cranky from their nap and won't settle down, or a feeding might take longer than you thought it would, and so on. With twins, as with all babies, you have to be flexible and accept that some days, your plans to get out and about need to be scrapped, or at least modified in some way. Perhaps a doctor's appointment can't be missed, but a short trip to grandma's can be rescheduled for another day. Take heart by realizing that as your twins get older, this, as well as everything else, will get a lot easier.

Copyright 2005 by Anik Giguere-Biollo. Permission is granted to reproduce this article in electronic newsletters or on websites provided that it is not edited in any way, all the links are left active, and that neither the copyright declaration nor this license are removed. This article was originally published at http://www.stroller-advisor.com/twins-getting-out-and-about.html.

About the Author

Anik Giguere-Biollo is the mother of a three year-old girl and one year-old twin boys and is a former grade school teacher. She offers a great deal of detailed information about choosing and purchasing double strollers and twin strollers (see http://www.stroller-advisor.com/double-strollers.html), as well as all other types of strollers, on her website at http://www.Stroller-Advisor.com.

Short Sales: How to Deal with Rejection

Buying houses by means of a short sale can be a great way to make significant amounts of money, but they're not for everyone. You have to find a seller who will work with you to persuade the lender to sell the home rather than allowing the foreclosure process to continue. Then you have to submit an offer that's low enough to make a profit, yet not so low as to be rejected altogether.

If a lender does reject your offer, all isn't lost. The first thing to do is to try to determine why your offer was rejected. There are many possible reasons, and if you want the sale to go through, you must job find out exactly what the lender wants in order to make the sale happen. Here are possible reasons.

First, your offer may simply have been too low, which meant the lender would be taking too big of a hit by accepting it. They also may believe they can do better once the foreclosure has been completed, or since loans are often sold to investors, it's also possible that the holder of the note wouldn't accept the loss.

Perhaps the borrower's financial difficulty wasn't stated strongly enough to make a persuasive case for a short sale. If that's the case, the lender might want to work out an alternative payment schedule with the homeowners rather than entering into a short sale.

Since most lenders will require a broker's price opinion (BPO), make sure your offer is somewhere near that figure. Otherwise, a lender will be convinced that they can do better on the open market once the foreclosure is complete.

There may be other reasons, but the number one reason short sale offers are rejected is simply because they're too low. After all, lenders are in business to make a profit, and even when appears there's no profit to be made in a particular home; they want to cut their losses as much as possible. So don't get greedy. You'll rarely be able to steal a home, but you can often get a substantially lower price than you would on the open market.

One of the best ways to avoid coming in too low is simply to ask the lender how much they hope to net from a short sale. They may not tell you, but you'll never know if you don't ask. Even if you don't get an answer in the beginning, you'll have another chance to ask before they make a counteroffer. Be courteous, but emphasize that you're really hoping to make the sale happen. Again, you may be surprised by the figure you receive, and if it's acceptable, jump on it. Don't kill your sale by being too greedy.

If your short sale offer is rejected, don't give up. Probe for more information about why your offer didn't fly and then try to satisfy whatever they ask for before making your counteroffer. You won't be stealing the home, but there's often plenty of profit to be made.

Copyright ? 2006 Jeanette J. Fisher

Learn how to fix houses for flipping or higher rent with the Design Psychology edge.

Author Jeanette Fisher teaches interior design psychology, home staging, and real estate investing.

http://www.doghousetodollhouse.com

Designer Car Interiors Car Seats & Covers

Custom Seat Covers

Why choose to use a seat cover? Designer seat covers are available from various suppliers, they all have significant modifications in fit, construction, style and price

Caring for your car seats by using a cover is probably the most overlooked aspect of maintaining your cars appearance, not to mention the value.

Most of us will simply run the hoover over the interior once a month if that, and before long the wear and tear will undoubtedly begin to show. This will rapidly devalue the vehicles worth.

Applying seat covers will keep your seats in mint condition, saving them from unnecessary accidental damage and long term wear.

Many companies offer designer car interiors which incorporate bespoke seat covers.

You can choose from a huge range of materials including denim, sheep skin & silk. The ideal seat cover will fit so well to the vehicles original seats it will be mistaken for the original upholstery.

Not only is the seat cover used as protection, but it can be modified for comfort and style. Furthermore there are companies that will offer designer embroidery enabling you to promote your business, dedicate to your loved one, or create your own wacky art design!

If you are an intrepid outdoors man you can purchase heavy duty waterproof seat covers and boot liners to protect your upholstery so those fishing and camping trips wont end with you spending the whole of the next day scrubbing your seats clean. Simply pull the covers off and throw them into the washing machine.

Many seat covers are stain resistance, machine washable and waterproof and also make allowances for arm rests and recliner wheels, what ever your requirement or style is you will be able to find a car seat cover for your needs.

Making the right choice when buying a child seat

The first thing to consider when buying a baby car seat is safety! The seat must be appropriate for your babies size and weight. It must also fit correctly into your car. Most retailers are more than happy to give a demonstration and test the seat in your car before you buy.

Even children up to the age of eleven who are not five feet tall must use a child seat of some sort.

Once you have decided on a particular car seat make sure you follow the manufacturer's instructions to the letter. Always allow enough time as fitting a child seat can be very frustrating. Also when it comes to strapping your child in the straps are tight enough to stop the child wriggling free but not too tight to cause the child injury or discomfort. Always give the straps a tug to make sure the seatbelt has locked.

Child Seat Age and Weight Guide

Baby Seats

Babies weighing up to 13kgs and from birth up to one year should be fitted with a baby seat. Baby seats must face backwards and can be installed in either the front or back seats providing the front is not fitted with an airbag.

Child Car Seats

Child car seats are for children aged 9 months to four years. The child must be able to support their own head and weigh between 9 and 18kgs. They face forward and are normally fitted in the back seat of the car.

Booster Seats and Cushions

These types of seats are for children weighing 15 to 36kgs aged approximately 4 to 11 years old. They are primarily designed to elevate the child in order they can safely use an adult seat belt.

Finally and one of the most important aspects to remember is not to get distracted by your child whilst driving. Many accidents are caused from the parent turning round to deal with a child whilst continuing to drive. In the event the child needs attention pull over to a safe location before dealing with the situation.

About the Author

Vicki Churchill is the owner of http://www.designer-car-interiors.com, a site that specializes in designer car interiors and information on car seat safety