Thursday, August 22, 2013

Keeping Kids Safe In School


Advice for parents on making sure their kids stay safe at school and while traveling to and from school

For most of the year, children spend more time at school than anywhere else other than their own home. At school, children need a secure, positive, and comfortable environment to help them learn. 
Overall, schools are one of the safest places children can be. However, some schools have problems, such as bullying and theft, which make them less secure. These problems make students and educators feel less safe, and it makes it harder for students to learn and for teachers to do their jobs.
But there are specific ways that parents can make going to school a safer and more valuable learning experience for their children now that school is starting.

In the Classroom

Kids need a safe and comfortable environment to learn to the best of their capabilities. This means they have to feel safe in their school and be able to positively interact with their teachers and classmates. By doing the following, parents and other adults can help make sure children have a positive school experience.
  • Talk to your children about their day. Sometimes children won’t tell you right away if they are having problems at school. Ask your children if they see anyone bullied, if they are bullied, or if anything else makes them feel uncomfortable. Look for warning signs, such as a sudden drop in grades, loss of friends, or torn clothing.
  • Teach children to resolve problems without fighting. Explain that fighting could lead to them getting hurt, hurting someone else, or earning a reputation as a bully. Talk to them about other ways they can work out a problem, such as talking it out, walking away, sticking with friends, or telling a trusted adult.
  • Keep an eye on your children’s Internet use. Many elementary schools have computers with Internet access. Ask your children’s school if students are monitored when they use the Internet or if there is a blocking device installed to prevent children from finding explicit websites. Talk to your children about what they do online – what sites they visit, who they email, and who they chat with. Let them know they can talk to you if anything they see online makes them uncomfortable, whether it’s an explicit website or a classmate bullying them or someone else through email, chat, or websites.
  • Ask about the safety and emergency plans for your children’s school. How are local police involved? How are students and parents involved? What emergencies have been considered and planned for?

Traveling To and From School

  • Map out with your children a safe way for them to walk to school or to the bus stop. Avoid busy roads and intersections. Do a trial run with them to point out places they should avoid along the way, such as vacant lots, construction areas, and parks where there aren’t many people.
  • Teach children to follow traffic signals and rules when walking or biking. Stress that they should cross the street at crosswalks or intersections with crossing guards when they can.
  • Encourage children to walk to school or the bus stop with a sibling or friend, and to wait at bus stops with other children.
  • Teach children not to talk to strangers, go anywhere with them, or accept gifts from them without your permission. Tell them that if they see a suspicious stranger hanging around or in their school they should tell an adult.
  • Help children memorize their phone number and full address, including area code and zip code. Write down other important phone numbers such as your work and cell phone on a card for your children to carry with them.

On the bus

  • Have your children arrive at the bus stop at least five minutes before the bus is scheduled to pick them up.
  • Make sure children know to stand on the sidewalk or on the grass while waiting for the bus.
  • Teach children to make sure they can see the bus driver and the bus driver can see them before crossing in front of the bus. Tell them to never walk behind the bus.
  • Be aware that often bullying takes place on the school bus. Ask children about their bus - who they sit with, who they talk to, and what the other kids do. Let them know that if they see someone being bullied, or are bullied themselves, they can talk to you, the bus driver, or another trusted adult.
If you'd like to work towards making your children's schools safer on a larger scale, consider implementing Be Safe and Sound. This campaign provides a model for how parents, students, and school staff can work together to make schools safer and more secure.

Wednesday, August 21, 2013

Loans, Interest Rates And The Approval Process When Purchasing A Home

Learning to understand the process of buying a Houston home can be a little over whelming, especially to a first time buyer. The biggest and most expensive purchase most of us will ever make is the purchase of a home, so it really pays to spend some time learning about interest rates, loans and the approval process in general, as well as understanding your specific needs and your specific real estate market.

It is a great idea to get pre-approved for financing because this approval will be a real indicator of what you can afford. What is a pre-approval?

In lending, pre-approval has two meanings:
The first is that a lender, via public or proprietary information, feels that a potential borrower is completely credit worthy enough for a certain credit product, and approaches the potential customer with a guarantee that should they want that product, they would be guaranteed to get it. This rarely happens in the financial services industry, and when it does happen, it is usually loaded with fine print that is not immediately disclosed. Usually, what happens is pre-qualification, instead.
Although, to a typical consumer, "you're pre-approved" means "you already passed the approval process and therefore are guaranteed to be immediately granted the loan if you apply," the literal meaning is different. The literal meaning is "at a stage before approval." Thus, pre-approved creates no obligation whatsoever on the lender and no rights whatsoever to the potential borrower. "Pre-approved" is thus a popular advertising catch phrase to induce people to apply for a loan.
The second meaning relates to mortgage lending. People interested in buying a house can often approach a lender, who will check their credit history and verify their income, and then can provide assurances they would be able to get a loan up to a certain amount. This pre approval can then help a buyer find a home that is within their loan amount range. Buyers can ask for a letter of pre approval from the lender, and when shopping for a home can have possibly an advantage over others because they can show the seller that they are more likely to be able to buy the house. Often real estate agents prefer to work with a buyer who has a pre approval as it demonstrates that they are well-qualified to receive financing and are serious about buying a home. A pre approval is based on the documentation the borrower supplies at the time of application, and any actual eligibility to receive the pre approved loan depends on the terms and conditions of the pre approval and ability to secure the loan before the pre approval expires.

This is the very beginning of learning and working through the loan application/approval process so you need to be honest. Do not overstate income, or employment. Do not buy for someone else. And don't sign any blank documents. Be honest about your intent to occupy and be accurate about your level of debt. And finally, read and understand everything before you sign.

If you need additional help my team and I at Innovative Realty Group can assist you if you are ready to purchase a Houston home. Call us at 281-326-HOME and please visit our website at www.DavidTheLocator.com. We look forward to assisting you in this next step of your journey!