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Fun, Inexpensive, Unique Gifts: Organic Gourmet Mushroom Home Growing Kits
Give the gift of Good Taste: Mushroom Kits are amazingly simple, fun, and have countless environmental benefits. Growing mushrooms at home means enjoying many affordable, fresh and gourmet meals year round. Gourmet Mushroom Logs produce the same organic mushrooms used by the finest chefs in the world and the mushrooms grow easily, quickly, and almost anywhere in a home or office. Mushroom plug spawn allows economical, sustainable back yard mushroom cultivation of hardy gourmet and medicinal mushroom species. (PRWeb Nov 17, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1609634.htm ]]>
Africa is Not a Country: Education and Children's Literature About the African Continent in the Age of Obama
With the election of Barack Obama, a leader with family in Kenya, educators could find themselves rethinking and revising how they teach the continent of Africa. Thanks to an illustrated children's book, "Africa is Not a Country", many American students are aware of the vibrant diversity of Africa's 53 countries. Without a rounded education about the continent, generalizations about the countries and cultures can limit our understanding of the continent and create harmful stereotypes. Educators across the country will be focused on issues like this the week of November 17th as it is both International Education Week and Celebrate Geography Awareness Week. (PRWeb Nov 17, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1617554.htm ]]>
Ready to Rock Kids is Rockin' Music Kids Can Learn From
READY TO ROCK KIDS VOLUME 3 (Free Spirit Publishing, $16.95 for CD and book, $14.95 for CD only) by Dr. Mac & Friends uses a variety of musical genres -- rap, rock, show tunes, doo-wop, country, pop, dance, and more -- to teach children ages 4-9 about important topics like honesty, kindness, self-esteem, feelings, communication, positive thinking, overcoming fears, and celebrating diversity. Kids who learn these skills feel more confident and happy. (PRWeb Nov 14, 2008)
Read the full story at http://www.prweb.com/releases/Childrens_Music/Ready_to_Rock_Kids/prweb1613664.htm ]]>
Rapid Resources® Wins 2008 Awards of Excellence: Award from Technology & Learning Magazine Honors Best Education Products
Rapid Resources® has been named a winner of the 2008 Awards of Excellence from Technology & Learning magazine. This awards program recognizes educational products that demonstrate effective and creative uses of technology. Rapid Resources is for teachers and it helps them create individualized learning plans from a database of 500 learning activities that are correlated to state standards. (PRWeb Nov 14, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1608534.htm ]]>
Kids Science Website Offering Chances for Scholarships to Those Who Participate in their New Program
Super Fun Science has just announced their new Dollar Store Science program was released on November 11th. The program consists of biology, physics, chemistry and earth science, and each part of the program includes three kids' science concepts. Those who are enrolled in one program are eligible for a scholarship, and the more programs kids enroll in, the more likely they are to receive a scholarship. (PRWeb Nov 13, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1595544.htm ]]>
Sparking a Big Bang for the British Economy
Inaugural Big Bang Fair to celebrate UK science and engineering talent and inspire future generations (PRWeb Nov 13, 2008)
Read the full story at http://www.prweb.com/releases/thebigbang/fair_2009/prweb1607514.htm ]]>
Whistlefritz Spanish CD Receives Multiple National Awards
Collection of Original and Traditional Spanish Songs Help Kids Learn Through Music (PRWeb Nov 13, 2008)
Read the full story at http://www.prweb.com/releases/Spanish_Language_CD/Kids_Learn_Spanish/prweb1609324.htm ]]>
Calling All Students: Olive Garden Essay Contest Ends Dec. 5
Now through Friday, Dec. 5, Olive Garden is seeking entries from students in first through 12th-grade for its annual Pasta Tales essay writing contest. (PRWeb Nov 13, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1607454.htm ]]>
Embanet- George Washington University Course gets top marks in distance education competition
The American Association for Paralegal Education (AAfPE) has chosen Embanet's American Jurisprudence course, taught by The George Washington University, as the winner of its 2008 AAfPE Distance Education Competition. (PRWeb Nov 12, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1598434.htm ]]>
Parents Can Stop Pulling Their Hair Out Over Computer Use
Getting kids to take a break from the computer to do other important things is a constant struggle for parents. The latest release of ComputerTime changes all of that by effectively eliminating those conflicts and restoring peace, and it's easy. (PRWeb Nov 11, 2008)
Read the full story at http://www.prweb.com/releases/Computer_Time/Kids_Internet_Use/prweb1604262.htm ]]>
U.S. House Passes Kirk Resolution Honoring The Hadley School for the Blind
Winnetka-based school teaches more than 10,000 blind and visually impaired students each year in all 50 states and 100 countries. (PRWeb Nov 11, 2008)
Read the full story at http://www.prweb.com/releases/Hadley/School_for_the_Blind/prweb1598694.htm ]]>
Top Photography School Students Win Awards Worldwide
Academy of Art University Photography School Shapes Future Talent (PRWeb Nov 10, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1578094.htm ]]>
World Discovery Box Aligns Hands-on Science Learning Station with National Science Education Standards
Schools Use Science Collection of Fossils, Marine Life, Minerals and Insects to Meet National Standards in Life Science and Earth Science (PRWeb Nov 10, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1581974.htm ]]>
Grant Seekers, Grant Writers, and Grant Givers Join My Grant Wrangler to Share Experiences
Nimble Press launches an online community for grant seekers, grant givers, and grant writers to increase transparency and efficiency in the education grant process. As budget cuts hit classrooms and personal pocketbooks, more and more teachers are seeking grants to supplement their classroom resources, but the application process remains confusing and lonely. My Grant Wrangler provides the first online community for participants to join in conversation and learn from one another. (PRWeb Nov 7, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1577094.htm ]]>
Application Essay Plays Increasingly Important Role in College Admission
Experts share tips to make your college application essay tell your unique story (PRWeb Nov 6, 2008)
Read the full story at http://www.prweb.com/releases/essay/editing/prweb1570374.htm ]]>
Mensa Salutes Armed Forces This November
Stars and Stripes. Serving your country. Central Intelligence. These are all phrases that go hand in hand with the U.S. military branches, and American Mensa, the high IQ society, would like to add one more: genius. (PRWeb Nov 6, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1580424.htm ]]>
Website Dedicated to Kids Science Now Offering Chance for a Scholarship to Students that Complete a Science Program Online
SuperFunScience.com will be awarding at least $10,000 of college scholarships within the next 12 months. These merit based scholarships will be available for students enrolled in one of SuperFunScience.com's new science programs to be released on Tuesday November 11, 2008. Bring science home, and make it fun with SuperFunScience.com. (PRWeb Nov 5, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1566374.htm ]]>
Disaster Recovery Grants Available for Adult and Family Literacy Programs Affected by Ike, Rio Grande Flooding
The Barbara Bush Texas Fund for Family Literacy and the Texas Center for the Advancement of Literacy and Learning (TCALL) in the College of Education and Human Development will be offering disaster recovery grants for Texas adult and family literacy programs adversely affected by Hurricane Ike and the Rio Grande flooding in September 2008. (PRWeb Nov 4, 2008)
Read the full story at http://www.prweb.com/releases/Literacy/Grants/prweb1567184.htm ]]>
New Children's Eco-Fantasy Novel Wins Award for Nature Writing
Part fantasy quest, part natural history, "Southcrop Forest" has recently been named an Award-Winning Finalist for Nature Writing in the National Best Books 2008 Awards, USA Book News. (PRWeb Nov 3, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1555084.htm ]]>
Gemm Learning Forms Virtual Advisory Board Learning Intervention Provider Assembles National Perspectives
To harness the resources of business, education and medical experts across the U.S., Gemm Learning has announced the formation of its Virtual Advisory Board. (PRWeb Nov 3, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1555714.htm ]]>
Wyzant.com Online Tutor Matching Service Sees Remarkable Growth as Parents Seek Tutors to Help Kids Improve Grades
Parents seeking tutors to help their kids improve their grades are turning to WyzAnt's private tutoring service, an online matching service that connects local college students, teachers, retirees and other professionals with students who need tutors to improve their grades. (PRWeb Nov 1, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1556044.htm ]]>
Gesell Institute Becomes Latest Innovator to Sponsor Program on BAM Radio Network
Forward-looking companies show increasing interest in new media channels (PRWeb Nov 1, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1551484.htm ]]>
3rd Annual Midwest Homeschool Convention Set for Cincinnati April 16-18, 2009
(PRWeb Oct 29, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1532604.htm ]]>
Brooks-DeBartolo Collegiate High School Recommended for SACS-CASI Accreditation "Because Every Student Has The Potential to Realize Their Dreams"
Collegiate focused high school, founded by Tampa Bay Buccaneers linebacker Derrick Brooks, Brooks DeBartolo Collegiate High School (BDCHS), received a recommendation for accreditation from the Southern Association of Colleges and Schools (SACS) through its Council on Accreditation and School Improvement (CASI). (PRWeb Oct 29, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1542014.htm ]]>
Registration Deadline for 2008 Administrative Leadership Institute is Oct. 31
The 26th Annual Administrative Leadership Institute (ALI) will take place Nov. 19-20, 2008, in College Station, Texas. (PRWeb Oct 29, 2008)
Read the full story at http://www.prweb.com/releases/Administrative_Leadership/Institute/prweb1544894.htm ]]>
Boas vs. Pythons: See the Big Squeeze Off at the Museum of Nature & Science's 'Reptile Fest'
Fun, hands-on experience and myth-busting shows aim to create awareness, respect for misunderstood snakes and other reptiles at Dallas Museum of Nature & Science Nov. 8-9, 2008. (PRWeb Oct 29, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1534014.htm ]]>
Speaking out in Defense of Scary Stories on the Art of Storytelling with Children Show
Eric James Wolf, professional storyteller and host of the Art of Storytelling with Children Show, is available for print, radio and television interviews to defend the use of the scary stories in the Halloween tradition with children. (PRWeb Oct 28, 2008)
Read the full story at http://www.prweb.com/releases/scary/stories/prweb1530084.htm ]]>
Unique Music Store Brings Ancient Instrument Back To Life – And It Sounds Sweet : St. Louis Ocarina store causes resurgence of portable, affordable wind pipe, and carries ocarinas in a myriad of models fit for the whole family
The ocarina has a 12,000-year-old history that reaches across the globe from ancient China to Mesoamerica to 19th Century Italy. In the First and Second World Wars, ocarinas were popular with soldiers because of the instrument’s size and durability. In the last fifty years, though, the small and versatile flute fell into obscurity. (PRWeb Oct 28, 2008)
Read the full story at http://www.prweb.com/releases/louis_school/louis_ocarina/prweb1538494.htm ]]>
Free Illustrated Book on U.S. Constitution Now Available Online
Little Rock, Arkansas' Classic Rock Radio Station The Point 94.1 Offers Downloadable Book in Time for Election (PRWeb Oct 25, 2008)
Read the full story at http://www.prweb.com/releases/ThePoint941/Constitution/prweb1522254.htm ]]>
Easy-Fundraising-Ideas.Com Announces Addition Of Canadian Fundraising Joint Venture Partner
Easy Fundraising Ideas new Canadian joint venture partner site offers more fundraising ideas and products for their rapidly growing number of Canadian customers. (PRWeb Oct 23, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1506144.htm ]]>
Celebrate Halloween With Costume Ideas, Crafts & Jack-O-Lantern Creator at FamilyEducation
Parenting site features costume ideas for all ages, tips for planning a frighteningly fun Halloween party. (PRWeb Oct 22, 2008)
Read the full story at http://www.prweb.com/releases/Halloween-craft-recipes/activities-costumes/prweb1507984.htm ]]>
Millions of Students Attend Top Accredited Online Colleges in Their Pajamas!
OVERVIEW.COM -- Career videos and government-based salary, career advice, and information have been added to our award-winning college and career website! In addition, hundreds of links to both campus-based and online schools and colleges, including technical colleges, vocational schools, and career colleges have been added. (PRWeb Oct 22, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1502764.htm ]]>
Deaf Children to be Taught Synthetic Phonics Using Groundbreaking Free Software
The THRASS synthetic phonics programme is widely accepted as having the potential to more than double the normal rate of progress for reading and spelling in English, and soon it will also be possible to use synthetic phonics to teach deaf children through a new Cued Speech version of the groundbreaking THRASS Phoneme Machine software. (PRWeb Oct 22, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1503834.htm ]]>
At Online College of University of Essex, Everything is Done Through the Internet - Even the Exam Boards
University of Essex reduces carbon footprint by meeting online. (PRWeb Oct 22, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1504654.htm ]]>
On-line Spelling Bee Creating Big Buzz - BigIQBee.com Brings Competitive Spelling Platform to Web 2.0
Attention teachers and parents, finally, a free on-line resource that's not only educational, but is certain to spark the competitive spirit in your kids as they strive for success and a high ranking in the world's first web based spelling bee. (PRWeb Oct 22, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1506584.htm ]]>
NEA's Member Benefits Corporation Selects Rapid Resources to Help its Members Save Time and Improve Student Achievement
Members of the National Education Association (NEA) now may purchase Rapid Resources - a proven, easy-to-use online tool for educators to build individualized learning plans -- at a special members-only pricing that saves over fifty (50%) percent off the annual subscription rate. NEA MB has also secured a free 30-day trial use of Rapid Resources. (PRWeb Oct 21, 2008)
Read the full story at http://www.prweb.com/releases/rapidresources/nea/prweb1485774.htm ]]>
Minnesota Children 'Read for the Record' and Raise Awareness About Early Education Crisis
Pearson Volunteers Help Raise $1.5 Million and Break World Record. (PRWeb Oct 21, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1504934.htm ]]>
New Scholarship Available To All U.S. Students
Computer furniture manufacturer, Versa Tables, is offering a new scholarship to all students currently attending school in the United States. The scholarship contest is a simple 500 word essay and the deadline to apply is January 15th, 2009. (PRWeb Oct 21, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1500214.htm ]]>
Teens Share Credit For Decline In Crash Deaths
Teen traffic fatalities are seeing a sharp drop in Texas, and researchers say that part of the credit for the first time goes to an unlikely source - teenagers themselves. (PRWeb Oct 21, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1502954.htm ]]>
BAM Radio Network Inks Deal with HighReach Learning to Sponsor a New Educators' Channel
New programs to focus on next practices and teaching resources for teachers, educators and homeschoolers. (PRWeb Oct 17, 2008)
Read the full story at http://www.prweb.com/releases/2008/10/prweb1479374.htm ]]>
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Retirement Calculators - Before And After Retirement
By John V. W. Howe
Calculating Our Finances Before Retirement
It seems that most of the retirement calculators on the Internet are designed by investment and firms whose goal is to make you invest with them and make them money. These calculators do not necessarily give you the true picture of your retirement finances.
If you plan to work after retirement and the calculator does not allow for income from a retirement job, your retirement financial projections will be off by a mile. Income from a retirement job can have a very positive impact on your retirement finances.
While researching retirement calculators on the Internet, we found three (there may be more) that include income from work after retirement. These are listed at the end of the article so keep reading.
Even these calculators have a weakness since they ask for the amount of annual income from a job after retirement, but do not ask for the age when that income will stop. They assume the income will continue until death which is not accurate. We are all living longer, but I doubt if many of us will still have a job at 90.
Calculating Our Finances After Retirement
Once we retire, the variables involved in calculating retirement finances are greatly reduced. Unless Aunt Bess leaves you an unexpected inheritance in her will, you know the amount of your retirement savings that has to last your lifetime.
Unless inflation runs away during our retirement, the major variables we have to consider are how much we budget to spend each year, the amount we make from our retirement job, and how long we choose to work at that retirement job.
Income from a retirement job has a very positive impact on your retirement finances. As a part of your retirement planning, have you thought about continuing to work after retirement?
Let’s do a fast calculation and see the impact of an after retirement job on your retirement finances. Let’s calculate the amount of investment that you need to generate a monthly income of $1,000 per month.
To do this we need to make a few assumptions. Assume the income generation rate of your investments is five percent (5%). Let’s assume that we are not going to take any principle from your investments to do this. This will leave the principle intact for use later after you have stopped working in your retirement job.
The calculation is how much principle is needed to generate $12,000 per year ($1,000 per month). The formula is principle divided by the income interest rate ($12,000/.05 = $240,000). I think you will agree that is a large amount necessary to generate $1,000 of income per month.
However, a thousand dollars per month is not too large an amount to expect to make in a retirement job and just look at the impact that it has on preserving your retirement investment.
The Boomer eZine website has a retirement calculator that assists in planning after retirement. It is designed to be used upon retirement to determine how long retirement savings will last under various conditions. You can download
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it free and use it to test various cases for your planning.
The retirement calculator is a Microsoft Excel file so your will need to have Microsoft Excel on your computer.
To receive instructions on how to use the calculator, click the following link:
Click here to get Your Free Retirement Calculator
http://www.boomer-ezine.com and http://www.retirement-jobs-online.com.
If you want to learn more about using the Internet to generate retirement income, go to Retirement Jobs Online.com (See resource box below). The site has a well organized study guide to lead you through the process.
The retirement calculators we found on the Internet that include the provision for retirement income are:
1, AARP Retirement Calculator
2. EBRI Calculator
3. MSN Calculator
The MSN Calculator is the most visual and easiest to use. You can see very quickly what impact a retirement job has on your retirement finances.
Best wishes for a long and happy retirement.
Copyright 2007 John Howe, Inc. Article Directory: http://www.articlecube.com John V. W. Howe is an father, and grandfather.He is an expert in website creation and web hosting. He has published over 60 articles on the Internet covering diverse topics. His website www.the-best-web-host.com helps people analyze their needs and match those needs to the best web host. He also publishes www.boomer-ezine.com an ezine for Internet entrepreneurs.
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