Comparing Cash Flows What would be more valuable, receiving $500 today or receiving $625 in three years

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Comparing Cash Flows What would be more valuable, receiving $500 today or receiving $625 in three years if interest rates are 8 percent? Why? (LG5)

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Monish Ramesh

Tuttored mostly elementary school students privately after school and during the summer. We met in their homes or at the public library. I charged an hourly fee, and I provided any necessary materials. Having taught in special education in two local schools for many years meant that I had contact with a lot of parents of special needs students. I never had to advertise — word of mouth was how most folks knew of me. At one point I did have a website, but didn't utilize it much. I stayed very busy, especially in the summers, and always had a full schedule. I typically met with each student's teacher in order to get an idea of what the focus of my instruction/remediation should be. Becoming familiar with the student's learning style(s) was also very helpful. Often parents would share records and test results with me. After each tutoring session, I documented the student’s progress and gave parents written updates, as well as phone calls or emails as needed. While my students and I certainly utilized technology and the internet often during our sessions, I never tutored online or for any tutoring company, so am not familiar with the curriculums or methods used in those settings. Tutoring one on one was very enjoyable and rewarding. My students and I had fun, and grew quite fond of one another. The extra income was a bonus. I had to retire from tutoring due to a physically handicapping disease, and miss my students very much. I teach Chemistry since 2 years, the best experience that I would like to share is that irrespective of basics that an individual has, need to help the student in understanding the core concepts in clarity. In that way, I am able to push my students in understanding the basic logical structure of subject and excel slowly. I prefer and pump the concepts slowly rather than going in a super sonic speed. For any student (irrespective of class) acquiring interest in the subject matters rather than learning like a machine. Read understand understood register recollect apply innovate invent these are the fundamental steps to progress a learning curve in the subject. For the last one+ year, I have been teaching “How to teach online” Why? Because many good tutors out there do not know of tech tools that can make online teaching more efficient and engaging. Other than than that, I have done some sessions on “Problem Solving and Decision Making” for folks in the IT industry. Basically, I enjoy sharing experiences The back and forth and the light-bulb moments when students see something they hadn't before are a great stimulation. If you want an ever-varying career, then teaching is an option. BUT not knowing where you are I would say have a talk with teachers in your country. Tutoring is something else. Usually one on one, but I prefer two students at a time, so they can spark one another off and teach one another. BUT don't think that doing it for free or for very little is doing them a favour I’ve had the fortunate opportunity to give some guest lectures on software build infrastructure. Also I’ve given some training on design patterns and various short sessions on various topics. I quite enjoyed doing those actually, so far that I did consider it as a career more than once. If iam interested in learning a new language, I will teach someone in my mother tongue and learn theirs.

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