Are you thinking of home schooling your child or children in Florida? Wondering what the requirements are and how to get started? It’s really not as scary as you may think. Florida is actually a pretty easy state to begin home schooling in.Home education, as defined by Florida law, is “sequentially progressive instruction of a student directed by his or her parent or guardian in order to satisfy the requirements of Statute 1003.21 and 1002.41.” Florida’s home schooling law is broad giving parents almost unending freedom in educating their children.Basically there are six requirements that must be met to Florida home school.1. Notify the District School Superintendent in your county of your intention to home school. The notice of intent must be filed with the superintendent’s office within 30 days of beginning your home school program.Currently there is no “official form” that is used to supply notice but your written (or typed) letter of intent should include at the bare minimum the following information; Name of child (or children), Birthday of each child named, Address and a Parent’s Signature. It is recommended that you send your letter of intent via certified or priority mail and file the receipt as proof in your child’s portfolio.2. Maintain a portfolio of records. While there is no proper or “official” way to record your child’s home schooling progress you must maintain a portfolio of records. The portfolio must consist of two main parts; Documented Records and Sample Materials. Documented Records is defined as “A log of educational activities which is made contemporaneously (the documentation should occur at the same time as the instruction) with the instruction and which designates by title any reading materials used.”Florida home schooling law does not require lessons to be planned or approved in advance. Sample Materials is defined as “Samples of any writings, worksheets, workbooks or creative materials used or developed by the student.” Showcasing your child’s “sample materials” can be accomplished in various ways. Keep in mind that whichever method you adopt to showcase your sample materials they need to be organized in chronological order for ease in showing educational progress. More elaboration on this topic in the future… hopefully.3. Keep your portfolio organized and available. Florida home schooling law requires you to make your portfolio “available for inspection by the superintendent or the superintendent’s agent, upon 15 days’ written notice.” The last thing you will want to do is be scrambling around trying to remember what you did when for the last 3 months and what was the name of those books you read again…. The inspection is only to make sure that the portfolio is legal; the superintendent cannot evaluate its contents.4. Submit your Annual Evaluation. The law requires an annual education evaluation by a Florida-certified teacher of your choosing. You are required to have your child or children tested annually and submit the evaluation to the superintendent’s office no later than one year from your letter of intent date.Alternatives to having an evaluation performed include; any nationally normed student achievement test administered by a certified teacher, a state student assessment test, a psychological evaluation or any other method mutually agreed upon by the parent and the superintendent.5. Hang on to those Portfolios, your going to need them. Florida home schooling law dictates that “The portfolio shall be preserved by the parent for two years.” Enough said.6. Submit your Notice of Termination. If you decide to no longer home educate under 1002.41, move from the county, enroll your child in a public or private institution or if your child graduates or completes the Florida home school program you must file a letter of termination with the superintendent. The notice of termination should include the same information as the letter of intent and should be filed within 30 days of the date or termination.7. Relax. Okay I know we said there were only six requirements but this one is worth mentioning. As long as there have been parents and children, “home schooling” has been happening. Today an estimated 1.6-2.0 million children are being taught at home by their parents. By grade 8, the average home school student performs four grade levels above the national average.Research has found that most homeschooled students are involved in a wide variety of outside activities, interact with a broad spectrum of people, and make positive contributions to their communities. Experience has shown that homeschoolers are well socialized and able to make lasting friendships across age and cultural divides.Painless right? We promised it wasn’t that bad and now that you have all of your legal bases covered you can concentrate on enjoying the home schooling experience and enriching the lives of your children through learning. Now all that’s left is to decide on a curriculum… Decisions… Decisions…
How Online Pharmacies Are Rated
There are many tasks that pharmacy reviews undertake in order to determine good and bad online pharmacies. The information that they get out of it helps people make the right choices when purchasing medicine online.Every day, people buy different kinds of medication from online pharmacies. Ordering and purchasing straight from them is probably the easiest and most convenient way for anyone to get their medication. Unfortunately, a number of fake web sites have been set up with the intention of cheating money out of innocent customers. This is where the importance of pharmacy reviews becomes quite evident, as the background of many web-based drugstores can now be accessed by everyone on the internet.Pharmacy reviews helps people track down activities of various online drug stores, making it possible for online consumers to determine which web sites to put their trust in for purchasing medicine. Online drugstore reviews share information about both the more popular sites and those that were just recently created. The information that these reviews provide include the history of the pharmacies, the products they sell, and feedback from customers. The data they provide empowers online consumers by helping them make informed choices on their own. Consumers are also protected this way because they have better chances of avoiding scam web sites after visiting pharmacy reviews online.The main basis for rating these pharmacies is their history or background. Pharmacy guide web sites review the history of every online drug store they find, beginning from the time they started their business all the way up to their last couple of sales. Online drug stores that have been around for some time usually get high scores in this category, since their longevity typically indicates that their business is legitimate. One important element in a pharmacy’s history is customer feedback. Pharmacy reviews look into this area specifically as a great source of information regarding a pharmacy’s legitimacy.These reviews also inspect the product inventory of online pharmacies. Pharmacy guide administrators check every online drugstore they find to find out the range of products they provide. This process results in two things. People can find out which sites can be counted on for purchasing assorted medication. Consumers can also become aware of online drug stores that specialize in specific medication. This can be incredibly important for people suffering from specific ailments and gives them a reliable source of the medication that understands their needs. Along with the product inventory, pharmacy guides also inspect the quality of medical drugs provided.The level of service is also rated by sites for pharmacy reviews. It is important for customers to know how easy or difficult it is to order medication from certain drug stores, as well as the speed of service and the support that such web sites provide for mishandled orders. Consumers should be able to know which online pharmacies are willing to provide good quality service, starting from the ordering of products all the way to delivery.Once these review sites get the ratings of online pharmacies, they make the information available in their own websites as soon as possible. Pharmacy reviews are certainly a great contribution to promoting security on the internet. Not only do they share information to people, but they also provide them with confidence in every purchase they make online.
Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding
Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.
Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.
Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.
Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )
How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:
Debt / Loans
Asset Based Financing
Alternative Hybrid type solutions
Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas
If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).
Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.
The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.
Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.
We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.
Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.
If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.