Revolutionizing the Learning Experience With Electronic Interactive Education

What was required?

With an understanding of the value of Kinesthetic Learning, solutions were thought that would assist teaching methods, increase student interaction and improve outcomes across the curriculum.

The productsought needed to be environmentally friendly (ie reduce the use of photocopied materials), user friendly, comprehensive, and not require constant software upgrades.

After a thorough evaluation Di Prust selected Promethean interactive Whiteboards and the Elmo Document Camera from a Melbourne-based ICT company DatacomIT.

The Solution
Promethean Interactive Whiteboard

Promethean's Activboard + 2 is an interactive whiteboard that makes learning fun. Designed by teachers, the Activboard reflects the growing trend in visual learning; The idea that children respond to visual stimulation. After comparisons with other products on the market, Albert Park Primary School trialled the whiteboard over a period of two months and found that teachers were able to develop engaging lessons through Promethean's award winning suite of hardware and software.

The Interactive whiteboard comes with many tools that bring lessons to life. The Activboard, where all content is displayed is available in 95, 78 "and 64" sizes with an adjustable height function. Albert Park Primary School purchased 17 78 "whiteboards in total, positioned at the front and center of the classrooms. Di found students were drawn to the whiteboard and managed to focus on lessons with ease.

The battery free pen known as the Activpen, wrists like a pen but functions as a mouse. It is a supplied tool that initiates all the action; Its use also helps the development of children's handwriting and motor skills, a key factor in Albert Park Primary School's selection of the Promethean product over its competitors.

The interactive software means that teachers can create, save and share lessons. The teachers at Albert Park Primary School appear to be enjoying this aspect of the product, as Di highlights the freedom of the flipchart software: 'the flexibility in using the flipcharts makes lessons more accessible.'

The flipchart is like a blank artist's canvas, where the teacher can create a lesson plan that Picasso would be jealous of 'we are more in control of what we can actually do and are not limited by software.'

This is significant for teaching difficult concepts, as complicated lessons can be simplified and then shared among teachers, furthering the possibility of student understanding.

Di has also recognized a shift in the attitudes of her students who are showing a new enthusiasm to learn. Students at Albert Park Primary School relish in the opportunity to use the whiteboard and the tools it boasts.

With its basic suite consisting of the Activboard, the Activpen and the Activstudio lesson creation software, the Promethean interactive whiteboard creates a vibrant and energetic learning experience. Other tools are the Activote, the Activslate, the Activtablet, the Activpanel and the Activwand.

Albert Park Primary School was suitably impressed by the Whiteboard, along with DatacomIT's vast support and experience in this area.

Such an interactive and innovative product will prove its significance over and over again. It will capture and re-capture students and teachers for years to come.

The ELMO iTech Document Camera / Visual Presenter

The Elmo iTeach Document Camera has seen tremendous success in the classroom environment.

The ELMO was selected by Albert Park Primary School to display lessons on the Interactive Whiteboards. Since its implementation the ELMO has managed to project more than just an image or lesson, but a new method of understanding.

A portable alternative to an overhead projector, the ELMO acts to support lessons with its multimedia and interactive capabilities. It produces a large image that can capture moving pictures at 20 frames per second. The camera is positioned above an A3 sized capture area where you can undertake science experiments, present maps, diagrams and handwritten work to students.

'It's terrific, says Di who believes the ELMO compliments the Promethean Interactive Whiteboard,' I use it regularly. Usually I'll draw something on a sheet of paper and then use the ELMO to project it while I'm still drawing or writing on that same piece. '

Teachers can also connect the ELMO document camera to teaching tools other than interactive whiteboards, such as computers and microscopes. Its numerous interfaces (USB, XGA, Video out) and SD memory card availability, means that teachers can generate lessons for their students at home and can re-use and adapt these lessons for classes in years to come.

With the ELMO product new forms of media can be used to reach students, rather than just old videos, DVDs or CDs. Learning becomes a refreshing experience for both teacher and student.

The interactive nature of the ELMO also increases opportunity for more teacher / student interaction; Communication is becoming a two-way experience, rather than the old one-way model of information exchange from teacher to student.

'The general feedback on the Elmo camera from teachers at Albert Park Primary School is very positive' says Di. Their observations include:

1 Increase in pupil concentration
2 Instructions quickly learned
3 Ability to absorb and retain information
4 By enlarging objects, pupil's understanding is improved and academic curiosity is noticeably increased.

Conclusion
The Promethean Interactive Whiteboard and ELMO iTech Document Camera has positioned Albert Park Primary School at the forefront of leading edge teaching techniques.

More time is spent on the learning process itself, involving Kinesthetic Learning with leading educational technologies. Students are generally more interested in the classes where the Interactive Whiteboard and Document camera are used, and get a real buzz from this real time method of teaching.

RMS Titanic Insurance Claims

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives.

The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts.

When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun.

A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters acting on behalf of members.

The Titanic’s hull was insured for total loss for $5 million or just over one million pounds sterling at the exchange rate of the time. The policy also included total loss cover for cargo at $600,000 and contents at $400,000 a value equivalent to two hundred thousand pounds.

The original broking slip passed around Lloyd’s has been lost, but was photographed and can be seen in Wright and Fayles book of 1928 called ‘A history of Lloyd’s’. It shows that seven large insurance companies took nearly forty percent of the risk between them and the other sixty percent was underwritten by over seventy individuals and Lloyd’s ‘Names’.

According to documents recently released by Willis the marine insurance policy cost White Star £7500 or $38,000 to insure the Titanic at a rate of 15 shillings per hundred. Modern day rates for cruise liners are considerably lower.

The Ship was considerably underinsured for a value of only five-eighths of its replacement cost. This was apparently because the owners thought the hull to be unsinkable and were prepared to bear the additional $3 million dollars of risk themselves.

Willis state that despite the owners belief in the vessel being unsinkable, they had trouble placing all the hull cover at Lloyd’s and some forty thousand pounds was underwritten in Germany. There was also an extremely high excess or deductible of 15% of the insured value.

Four days after the Titanic sank the US senate held a preliminary investigation at the Waldorf Hotel in New York. The surviving officers of the ship presented their evidence to the panel describing the events of the sinking and signed what is called a ‘protest’ which enable insurance claims to be paid.

Incredibly White Star were reimbursed for the loss of the hull within seven days of the sinking, presumably minus the excess, and fully paid up on cargo and contents losses within thirty days.

They were however grossly underinsured for their liability to others given the value of the people on board. Claims against the company exceeded their cover by over $1 million and whether they had private P and I accident cover for their staff liability, remains a mystery. Suffice to say that payouts to families of lost members of the crew, were paltry.

Claims for the loss of people amounted to in excess of five times what the value of the ship was worth, for those lucky ones who happened to have had life insurance policies or had taken out travellers personal accident cover. Although no disputes about loss of life occurred, families had to wait a lot longer than White Star for compensation.

The final payout for human losses has never been fully asserted as over one hundred and fifty different life of accident insurance companies were involved in cover, on both sides of the Atlantic. American companies took the bulk of the claims, due to the many rich entrepreneurs and millionaire family members who were drowned.

The total loss is estimated to be in the region of $20 million and one of the largest payouts was by the Travelers Insurance company of Hartford who paid out a life policy for over $1 million.

The sinking of the Titanic also brought about the first and only insurance claim for a car being hit by an iceberg, by a Mr William Carter who claimed five thousand dollars for his 25 horse power Renault, lost at sea.

How to Pack for a Summer Vacation

It’s that time of the year again when the scorching heat becomes unbearable with each passing day. At such a time, all you want is an air-conditioned room and something cool to sip on. However, if you are going on a holiday, you will be spending a lot of time outside, exploring different places. If this is scaring you, considering the temperature is rising everyday, here are some tips that will help you stay protected from the heat.

Carry a Sunblock Lotion or Sunscreen

Going out in the sun without protecting your skin is a big no no, especially in summer. So, while you searching for the cheapest airline booking online and packing your clothes, also get a bottle or two of sunscreen or sunblock lotion. Sunscreen will not only prevent you from getting a sunburn but it will also protect your skin from the harmful UV rays. When you are buying the lotion, make sure you get one that has both UVA and UVB protection.

Pack Cotton and Lightweight Clothes

During the summer season, it’s advisable that you wear cotton clothes so that your skin can breathe. Wearing synthetic clothes may cause irritation and you might end up feeling hot and suffocated. So, when you are packing for your vacation, make sure you put in light clothes that will help your body stay calm. When it comes to shoes, carry open-toed ones or flip flops so that your feet can get as much air as possible.

Choose the Correct Accessories

Since you will be travelling during peak summer, carry a straw hat, a pair of sunglasses, and a scarf, just in case the heat becomes unbearable. These accessories will keep you protected from the heat when you are out, visiting different places. If you are going to be spending a lot of time on the beach, carry a beach bag and towels with you too. It’s also preferable that you carry a change of clothes so that you don’t have to stay in your sweat-soaked clothes for a long period of time.

Take Necessary Medication with You

Some places can have heat waves during the summer. In such a case, you should be prepared for it. Additionally, if you have diseases that can be triggered due to the heat, take the prescribed medicines with you. You might also want to take vaccinations that will protect you from falling sick from insect bites or mosquitoes.

These are some of the simples steps that you can keep in mind while packing for a summer vacation. And while you are vacationing, just remember to drink a lot of fluids and keep yourself hydrated.

Real Estate Management Fees

The property investor has decided to hire a management company to take care of their many properties. They interview several before making a decision on the company they will hire. There are many things they will be comparing, among them the real estate management fee the company charges. The investor needs to determine whether they want to pay a monthly percentage or a flat fee for the managers services.

Investors should look at more than the monthly fee they will be paying. Sometimes for a higher percentage you will receive more services. The cheaper rate of some managers does not include the extra fees charged. Find out if the advertising is included in the normal fee. Will they be charging each time they show the property to a potential client? Are their leasing fees on top of the management fees? The investor should read each companies contract to determine what is included in their real estate management fee.

A real estate management fee is charged based on a percentage of income collected with a minimum monthly base fee. Fees will often vary by the type and size of the property. Fees can be a flat rate for a single family home or 6 percent of the rental income for larger properties. Larger properties typically command a lower percentage rate (ie, 2 percent) than a single family home that may be quoted up to10 percent. Fees are negotiated on a per property basis and depend on many factors including condition, location and size of the property, etc. Leasing and other auxiliary service fees are separate and in addition to the management fee.

The investor should ask what services cost extra. They should determine if evictions are an extra fee. The contract should state how and when the fee is collected. Will the investor be billed or is it deducted from your account? On a monthly or quarterly basis? Is there a cost to prep the units for rent? And what is the typical cleaning fee on vacancies?

A management company fulfills many services for the investor. The company takes care of the daily activities of renting the property, collecting rents, accounting and monthly statements, hire contractors for services such as cleaning, groundskeepers and maintenance work as well as supervise any work. The real estate management fee the investor pays provides them with peace of mind.

The investor has interviewed several companies and found the fees are close in range with a few exceptions. They decide to further investigate each companys contract and references. By comparing all the services and getting good referrals, the investor can make an informed choice.

Interviewing the management company to determine the real estate management fee that charge is the first step to hiring a reliable company. The final cost the investor will pay the management company is determined by many things as well as the monthly fee. How well the company communicates with the investor and tenants, how they handle problems, their attention to detail in the leasing process and their ability to maintain the property in good condition all determine the investors final costs on each property.

Hiring a good management company helps the investor rent his property faster and provide preventive maintenance before problems become major repairs and expenses. The investor should look at more than the initial monthly fees when determining how much it will actually cost them if they go with the cheapest company.