Tag Archives: children
Essential Features Of School Playground Equipment
Imparting education is not merely developing the minds of the students and making them proficient in textbook knowledge but it also involves development of the body for which the basic necessity is to have the right school playground equipment. Besides giving an opportunity for entertainment, school play equipment also develop physical strength, concentration, agility and dexterity of the children. They can also provide a platform where kids can make many friends and develop a sense of healthy competition.
Factors To Take Care While Installing Outdoor Equipment: The first step should be to check the space available for the school playground equipment. It is also necessary to check the surface under the equipment to make sure that it is safe and resilient to avoid any chance of a mishap. The other aspects to consider include finding out if proper drainage, water and power facilities are available. The school playground equipment should not be obstructed by trees, sidewalks, fences or drains.
Where To Get The Playground Equipment?
If you get on to the Internet, you will find many websites that deal in school playground equipment. You would need to browse through these websites and compare the equipment displayed by them, their prices and other terms and conditions. These companies are well aware of the statutory requirements with regard to safety and other features of the equipment which are also classified according to the age-suitability of the children.
Safety First: The play equipments on the reliable websites are designed with safety in mind. They are completely safe for the children because the manufacturers are committed to safety and they test the equipment for load bearing requirements. Proper durability tests are conducted and they ensure that there are no protruding objects. No ropes are left dangling to avoid the possibility of a trip, fall or strangulation.
The design of the school playground equipment should be such that it is able to withstand the hostile outdoor weather conditions throughout the year. Moreover, the different items should be environment friendly and easy to maintain. Manufacturers of these equipments need to comply with relevant industry specifications and specify whether parent interaction and supervision would be necessary when the children are playing.
The Other Safety Tips Include The Following: Foreign materials such as broken glass should be kept away from the playground area because children love to put anything in their mouth; there should be no slippery surface; kids should be dressed properly and clothes with drawstrings should be avoided; necklaces, hoods, and purses cause injuries if they get caught in the equipment; the equipment should be operated safely especially in the case of swings to make sure that there is no one in front or behind them; and children less than four years of age should not use any climbing equipment.
Custom Built School Playground Equipment: School play equipment is also made for disabled children or for any other unique needs of the customers such as different age group, site conditions or budget constraints. Many innovative designs are available that are attractive, functional, and affordable.
Kids love to play in the playgrounds because they have a lot of fun. School playground equipment should therefore be made in such a way that they provide enough opportunities for children to have fun and get some physical exercise but safety should be the top priority.
How Parents Can Find The Best Secured Loans Deal To Help Their Children Get A Home Loan
With the property market heating up, there has never been more pressure for first time homebuyers to purchase their own homes. Interest rates are at record lows and competition between buyers is driving up property values. As such, people who have never had a home before should seriously consider buying now. For many first time homebuyers, however, buying a home is difficult, especially if they don’t have a very large deposit to put towards their home loans. Not surprisingly many parents are choosing to help their children buy a home through a number of different ways. Many parents are in a good position to help their children with their first home, but deciding what form that help takes can be difficult. This article will look at what parents can do in order to get their children on the property market sooner rather than later.
Lend Money
The simplest way parents can help out their children is simply by lending them money. This form of lending would usually take the form of a personal agreement between the parents and their children, so it is entirely up to both parties to negotiate a repayment schedule and interest rates. Because the size of a deposit has such a big impact on the interest rates homebuyers will pay for their mortgage, a little boost at the beginning can lead to big savings over time. Although government schemes like Help to Buy have made it much easier for homebuyers to put up deposits of just 5% and still get approved, it is important to realize that these small deposit mortgages will still suffer from some of the highest interest rates on the market. Of course, for personal lending to really be a help, the parents would have to charge less interest than what banks and other lenders currently offer for similar sums.
Using an Existing Home as Collateral
If parents don’t have the money sitting in their bank accounts to simply lend to their children, they can still raise funds in other ways. Since many parents will have a great deal of equity in their homes, getting approved for the best secured loans deal should be fairly easy so long as other factors, like income and credit histories, are taken into account. With this type of lending, the parents would use their own home as collateral when they borrow money from a bank or building society. Because the home acts as a guarantee that the money will be repaid, lenders are likely to offer much lower interest rates due to the lower risk they are taking upon themselves. Parents could then use the money they raise in this fashion to help their children either raise a deposit or to simply help make monthly mortgage payments. However, parents need to be aware that this route is risky as they could have their own home repossessed if they default.
Joint Mortgage
Another way parents can use the equity in their own property to help their children buy their first home is by applying for a joint mortgage with the children. Joint mortgages are usually easier to get since the financial status and credit history of both the parent and the child will be taken into consideration. Therefore, the mortgage is much more likely to be repaid so the bank looks at these arrangements as being far less risky to its own business. As such, joint mortgages usually come with better interest rates than traditional mortgages, especially if the parent uses his own property as collateral. With a joint mortgage, however, both the parent and child will have ownership in the new property, meaning both members are responsible for repayment. Again, if an existing home is put up as collateral then the parent risks that home being repossessed if he and the child cannot keep up with the mortgage payments.
Getting onto the property ladder is notoriously difficult, which is why so many parents are choosing to help their children raise the necessary funds for a mortgage deposit. Parents can help in a number of ways, through a personal loan or by using their own homes as collateral, but whichever route they choose they must make sure they are agreeing to terms that will place both themselves and their children in a strong financial position in the years to come.