What Does A HOME, Mean To You?

Most of us, have heard, the expression, A house, is not, a home, but, we often, pay far too little attention, to that, before we commit to purchasing a particular house. Wouldn’t it make sense, if, we spent, a little more time, and effort, considering, what would make us, singapore  consider it, to be, a HOME, and what emotional, family, and personal considerations, and necessities, might differentiate between, simply living in some house, and truly, making it, a home, of our own? With that in mind, this article will attempt to briefly, review, consider, and discuss, using the mnemonic approach, some of the key components, involved, etc.

1. Human; humane; heart; heals; houses: A key difference, to consider, in advance, is beginning the process, by delving deeply, into our personal needs, etc, realistically, and based on our real, human priorities, including, whether, it will fulfill some of our humane – needs, such as how it might, address, family needs and considerations, pride – of = ownership, etc. Identify the emotional components, and whether the house, strengthens our heart, is capable of healing us, when we feel challenged/ sad, etc, and whether it does more than merely, housing us, etc!

2. Options; organized; ordinary: Are there any options, which might enhance your experience, of living, where you are? How, specifically, is a house, organized, or might be, so you can, be best served, by living there? Does a specific residence serve both your ordinary needs, as well as the extraordinary ones?

3. Motivate; motivations; make mark; meet needs: Consider whether your residence will positively motivate you, forward, to make your live, more fulfilling, etc! Examine, whether your house – hunting, search, is based on your true, necessary motivations! Will you feel happier, and more fulfilled, and will it meet your present and future needs? Will this home, help you, make your mark, in your endeavors, by making you happy, satisfied, and somewhat, fulfilled?

4. Emphasis; energy; energize; excellence; enrich: What would you consider, your highest emphasis, in making the best decision, regarding where you want to live, and why? How might a particular home, energize you, and your life? Will you consider energy – considerations, and how, your living conditions, might enrich your life experiences, and drive you to your utmost degree of personal excellence?

How will your house, be transformed, to serving, as your HOME? Anyone who fails to consider, aspects, beyond the structural, etc, reduces his possibilities of maximizing his personal enjoyment, of living, where he does!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for a decade+. Rich has written three books and thousands of articles.




When local real estate taxes are comparatively low

Many of us, who are involved, on a daily basis, with the many nuances of real estate, get so involved with buying, selling, marketing, and promoting homes, and making/ giving listing presentation, we often ignore, the many economic factors and other conditions, which impact the real estate market. Some of these factors are local, in nature, while others may be national or international/ global. Some are actual, while others are perceived (for example, belief in their job security, negative possibilities because of some action taken by government, etc). With that in mind, this article will attempt to briefly consider, examine, review, and discuss, how the overall economy impacts the real estate/ housing markets.

1. Mortgage/ interest rates: When the Federal Reserve announces they are raising, planning to, or considering raising rates, in most instances, mortgage rates follow. About 2 years ago, we witnessed historically low mortgage rates, and today, while, from an historic perspective, they are still relatively low, they are about one percent higher, than they were, at the low. When mortgage rates are low, many buyers qualify for a higher price, and thus, we often witness a rice in home prices. As they rise, generally, prices, and, especially, the rate of increase, slows.

2. Taxes: When local real estate taxes are comparatively low, the effect on monthly carrying charges, is a positive, for the housing market. When they rise, they cause homeowners, to have to pay more monthly. Some houses, neighborhoods, regions, counties, etc, have lower taxes than others, so when one region abruptly raises rates, that local market is hurt, and certain surrounding areas benefit. In addition, in higher tax areas, such as New York, New Jersey, Connecticut. Massachusetts, Illinois, California gossip lanka  last year’s tax legislation, may have potential longer – term ramifications, on the housing market. That inclusion, known as State and Local Taxes, or SALT, limited/ capped the federal tax deduction, permitted, for state and local taxes, to a total of $10,000. Since many houses in these regions, have much higher taxes, and, several of these areas, also have state and/ or regional taxes, these caps, have the potential, to harm the real estate market, especially, if, they increase, any more.

3. Jobs: Do people perceive, they have job security? Is the job market, strong, or relatively weak? Are incomes increasing? The more confident, and comfortable, qualified potential buyers, are, the stronger the market.

4. Overall economy, and world news: For example, if the present, partial government shutdown, continues, for a substantial period, many workers, industries, and small businesses, especially, will be negatively impacted! There seems to be lots of fears, doubts, and insecurities, about safety, etc. The more confident, the public is, the better off, usually, is the real estate market.

These items are just the tip of the factors, which have an impact on the housing market. Beware, prepare, and plan accordingly.

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for a decade+. Rich has written three books and thousands of articles.


Why Some, Who Can Afford To Buy. Rent?

Many people appear, to automatically, believe, people, who rent a place to live, aren’t able to afford, to buy a home. However, many individuals, don’t want to own a house (prefer to rent), for a variety of other reasons. This may be, because they are uncertain of how long, they lumbarest  will live in a specific area, whether they will enjoy the particular neighborhood, aren’t comfortable with the unknowns of home – ownership, or don’t want the responsibilities, etc. With that in mind, this article will briefly attempt to consider, examine, review and discuss, some of these reasons and considerations.

1. How long will they live somewhere? Therefore, renting, rather than owning, makes a lot of sense, because, there is no need, to make a definitive, longer – term, decision, and, when one rents, he is, able to be more secure, because the risks, are minimized.

2. Will they enjoy the particular neighborhood? Many believe, it’s nearly impossible, to know, in advance, if he might enjoy any particular neighborhood, until/ unless, he resides there, first! Will the neighborhood meet their needs, in terms of happiness, fulfillment, convenience to transportation, entertainment, dining, conveniences, etc? How will you know, if you’ll like the neighbors, unless you feel comfortable, etc?

3. The unknowns of home ownership: Will you be prepared for the associated responsibilities, of owning a home? When you rent, if there’s a problem, you contact your landlord, and most things, are his responsibility, instead of yours. Most homeowners are not necessarily, handy, and, therefore, must hire a professional, such as a plumber, roofer, heating specialist, electrician, etc. These are often costly, inconvenient, and even stressful, and many, don’t appear, ready, willing, and/ or able, to feel comfortable, with these responsibilities. For some, therefore, renting, makes a lot more sense, than owning!
While many believe, home ownership, is an essential component of the American Dream, this is not, what’s best, for some. This explains, perhaps, why we have witnessed, an increase in luxury rentals, in recent days, and, why, with the escalating costs of home ownership, it might suit certain people’s aims, into the future.

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for a decade+. Rich has written three books and thousands of articles.




When Will This Real Estate Market Calm Down?: 5 Influences To Consider!

For, a wide – variety of reasons, many parts of this country, have witnessed, significant price increases, in recent, real estate transactions! We have witnessed, near – record, low mortgage interest rates, the pandemic, and a great demand, for houses, in certain areas (with far more potential buyers, than those, seeking to sell), etc! How long, will this trend, continue, and, when, might, the overall market, calm down, and normalize/ correct, etc? When, might, this, slow – down, etc, because of a variety of factors, etc? With, that in mind, this article will attend to, briefly, consider, examine, review, and discuss, 5 possible influences, to consider.

1. Interest rates: Interest rates are, at, or, near, historic lows, for an expanded period of time. This has resulted in mortgage rates, at, or, even, slightly – below, 3%, which, historically, has  ひたちなか市 学習支援 not been witnessed, in recent times! How long, might these low rates, continue, and, how might that impact, the overall, real estate market? For every 1%, rates rise, the monthly carrying costs, on a 30 – year mortgage, goes up, about sixty dollars! How might, raising the monthly cost, by several hundred dollars, impact home sales, etc?

2. Job security: When, people, feel secure, in their jobs, etc, they are more willing, to consider, buying a house, and/ or, upgrading. These feelings make most people, proceed, with more confidence, in their longer – term, abilities, to make such a significant commitment, etc!

3. Inflation Concerns: Some consider, home ownership, a fabulous, tool, in addressing, the concerns, related to inflation. On the other hand, if/ when, the Federal Reserve Bank, determines, believes, and perceives, inflation, as a serious issue, which needs to be handled, their process, generally, includes, raising interest rates. When this happens, mortgages become more expensive, as a result, etc!

4. Supply and Demand/ Pricing/ Houses: The economic principle of Supply and Demand, should be considered, in terms of, its impact on the price of homes! What types of buyers, want to move, to a specific area? When, there is lower inventory, and buyers, outnumber sellers, it creates, a Sellers Market, which, generally, causes price rises! When, the opposite occurs, it often, brings – about, a Buyers Market! There are times, when something, in – between, happens!

5. Local considerations: Just, as we’ve witnessed, some regions/ area, have been hotter, during this current real estate market, the rate, and how long, a specific place, and house, will, see its value, escalate, will, most – likely, differ, also. In real estate, often, everything, is local!

No asset, or market, remains the same, for many reasons. Trends, conditions, perceptions, affordability, consumer confidence, inflation, etc, contribute, to markets, and the inevitable, adjustments!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, and conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson for 15+ years. Rich has written three books and thousands of articles.




5 Factors Which Will Impact Real Estate In The Shorter – Term!

Although, historically, owning real estate, has been, one of the greatest ways, to counter, the effects of inflation, etc, it is important to realize, recognize, and understand, in the shorter – term, there are rarely, any guarantees! There are, up, and down, periods, in these markets, and, while, some years, we witness, significant asset growth, etc, there have, and will, most – likely, be times, when, values decrease, at least, temporarily. Presently, we are experiencing, a real estate market, which is considered, a Sellers Market, with house prices, rising, significantly, and, witnessing, more buyers, than, available houses, available, and the effects, of, Supply and Demand, from an economic standpoint. When, we combine this, with the effects, from this past year’s, horrific pandemic (and, associated, living challenges, and uncertainties, etc), as well as a near – record, prolonged period, of very – low (historically), interest rates, it has created, what many believe, is, a potentially, over – heated market – place! With, that, in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 factors, which will, probably, impact, real estate, especially, in the shorter – term.

1. Interest rates: Prior, to the pandemic, the Federal Reserve Bank, seemed to ひたちなか市 学習塾 emphasize, attempting to stimulate the economy, by maintaining, very low – interest rates! Once, the public health crisis, hit, they found it necessary, to attempt to do, everything, possible, to ensure, an economy, somewhat – ravaged, by the necessary economic closures, etc, survived, and performed, as well as possible, and thus, used dramatic measures, to assist these efforts! Because of this, today’s mortgage rates, for a long – period, have been, at, or near, historic lows, and, it appears, will continue, being, that way, for a period, going – forward. When mortgage rates are low, it, often, creates, higher home prices, because, potential, qualified buyers, are able, to purchase, more house – for – their – bucks!

2. Inventory/ Supply and Demand: Presently, the supply of houses, available, for sale, on the market, is, especially, low, and, thus, we are witnessing, extremely, limited, inventory! The economic laws, of, Supply and Demand, create, therefore, rising prices, because, there are more potential buyers, than available houses, for – sale! How long, will that continue?

3. What buyers seek/ personal taste: Buyers tastes, and preferences, and, what they are looking – for, in a potential home, consistently, changes, over – time! Therefore, what, is presently, sought, will, most likely, change, into the future!

4. How long will prices, keep rising?: How long, and how high, will prices, keep going – up? Will it, become, increasingly, difficult, to obtain mortgages, because, lending institutions, will be concerned about real estate values, in terms of assessments, etc? When will buyers, begin to resist these increases, because, potential purchases, are perceived, as too expensive, etc? If, and, when, interest rates, go up, somewhat, as they, most – likely, will, how might that impact demand, and thus, pricing?

5. Escalating building supplies: It is estimated, the cost of building supplies, for average, new houses, has increased, over $35,000, in the past, few months! Obviously, this means, new homes, will cost more! Will that, eventually, create, a slow – down, and, when, might these run – away, growing costs, become more controllable, again?

Since, no one has a crystal – ball, doesn’t it make sense, to consider, what potential challenges/ possibilities, may be, and, be, as prepared, as possible. Housing should be considered, at most times, as a long – term, financial asset, and avoid, trying to market – time, and/ or, speculate!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for 15 years. Rich has written three books and thousands of articles. Website




Will This Be Another Housing Bubble, Like 2006?: 3 Possibilities

When, the economy, soured, we witnessed, the results/ ramifications, in the ensuing, apparent, housing bubble (of 2006). The period, leading – up, witnessed, significant increases, in the costs of real estate, and, then, some of the ramifications, when it soured, including, many foreclosures, etc, and, the impact on pricing! For, the past, few months, we have witnessed, a significant rise, in, house – prices, at a historic rate! Will this trend, continue, slow, stop, or, will there, be another, bubble? After, over 15 years, as a Real Estate Licensed Salesperson, in the State of New York, I have seen, great, and lesser markets, and, strongly, believe, there are no guarantees, when it comes to this! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 3 possibilities, when it comes to this.

1. No: Perhaps, the most – studied, economic theory/ reality, ホームページ制作 福岡 is referred to, as the Law of Supply And Demand! As long as, inventory remains low, and qualified, potential buyers, out – number, the homes, on the market, prices will continue to rise. Will they do so, at the same rate? No one knows, for sure? Will, prices, come, tumbling – down, soon? My professional opinion is, the major factor is, buyer perception, as well as seller greed! As long as there is buyer interest, and enough, buyers, who can afford to buy a house (or, believe, so), there won’t be a bubble! It seems, we will be experiencing, a period of inflation, in the not – so, distant future, and, that will, continue, supporting, rising prices, etc.

2. Yes: We have experienced, historic – low, interest rates, for few years, now! This has created, mortgage – rates, which are so attractive, and have the impact, of creating, a perception, of more, bang – for – the – buck, especially, regarding, affordable monthly payments (since, the vast majority of home – buyers, use mortgages). How long, will rates, remain low, especially, in terms of, the fears of inflationary pressures, etc? What impact, will other, economic conditions/ job uncertainties, etc, have? When will more homeowners, decide, to sell, in order to profit, from today’s prices, and will it create a significant increase in inventory, etc, and, transform, this, from a Sellers, to Buyers, etc, market?

3. A mixture/ somewhere – in – between: Perhaps, the most – likely, eventually, result, will create, a market, which is, somewhere, in – between! A more – balanced market, and, a far – slower, rate, of price increases, is, likely, to become, tomorrow’s normal!

Beware, no trend, seems to last, forever! Home buyers, should purchase wha they can afford, meets their needs, etc, and they perceive, as being, fair – and – equitable, as well as understanding, the best way, to look – at, one’s family house, is, as a long – term measure!

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson for 15+ years. Rich has written three books and thousands of articles. Website




Experiencing Whale Watching At The Top Of The World

For one of the most serene experiences that one can have in this lifetime, Whale Watching in Iceland must definitely be on your list. The icy waters of the North Atlantic Ocean have scores of whales of every species and size imaginable. Whale watching is something that visitors from all over the world come to enjoy here. The main centers of whale watching are Dalvik and Húsavík. Then in the Midwestern section you have Ólafsvík and Stykkishólmur. These are located on the Snæfellsnes peninsula. A half hour drive from Reykjavík is Höfn in the East as well as Keflavík and Sandgerði in the southwestern section.

Despite whale watching being a major activity here in Iceland, it is not really commercialized.  ホームページ制作 福岡  There are several private agencies that take groups of tourists at a time in boats. Besides being able to see majestic whales you will also get the chance to look at some great species of birds and other marine life forms. And another must see attraction is the sun at midnight that is found in the winter time of the year.

Some of the most common species of whale are the Minke Whale and Dolphins. This last one adds to the thrill by leaping near boats and acting all playful around them. You will also be able to spot the massive Humpback whales. These amble away in the water waving their tails in the air and if you are really lucky, they will breach water for you as well. Killer Whales are also sighted pretty often. The rare ones are Sperm Whales and Pilot Whales, and need to be really lucky to see these. Pilot whales travel in large pods and if you sight one, you will find many to follow. There are also chances that you will see the blue whale, fin whale and the sei whale. Also on the list of probables are the white-beaked dolphins and harbour porpoise.

Some other great sights that you are going to witness, especially if you are visiting between February and March are the great Northern lights. Depending on where you are located, you could begin your whale watching trip from a fjord on a cruise. Or you could opt for an adventure with an expert crew on the high seas. You are sure to be witness to some sights that you never thought of and have some great opportunities for photos and viewing.

If you are searching for Special Tours a little different for your next holiday, Special Tours offers you the Puffin and whale watching reykjavik, puffin watching Iceland.Visit us to get special tours for whale watching Iceland and Sea Angling Reykjavik and Incentive Tours.



The Japanese Carbon Market Alternative

As the international community seems to be somewhat hesitant about climate action after 2012, the country which once hosted the most significant and productive climate change conference up to date might have an alternative in store. The Japanese government has been exploring the opportunities for bilateral agreements with Asian countries from 2013, as a supplement to the efforts within the UN climate change framework. However, as carbon markets have been experiencing historically low prices and some carbon offset units under the Clean Development Mechanism (CDM) are being criticised, it is worth considering whether the Japanese approach can provide a viable environmental alternative in the uncertain post-Kyoto future.

Currently, the main instrument for greenhouse gas emission reduction in Japan is the Japan Verified Emission Reduction (J-VER) Scheme. The J-VER scheme was launched in November 2008 by the Japanese Ministry of the Environment in order to facilitate the generation of carbon credits  gossip lanka  through the reduction or removal of greenhouse gases carried out by domestic projects. In principle, the J-VER scheme enables large Japanese companies to offset their emissions by paying for projects helping smaller enterprises to reduce their emissions.

Unlike the EU Emission Trading System (EU ETS), which is the most developed among the compliance carbon markets, the J-VER scheme is voluntary and relies on the nation’s efforts to reduce emissions. Such an approach is hardly surprising, considering that according to a Gallup poll made before the March tsunami and the Fukushima nuclear crisis, nearly all Japanese adults (98 percent) said they knew something about climate change. Moreover, 77 percent perceived global warming as a serious personal threat and 88 percent attributed it at least partly to human factors.

The Kyoto Protocol target for Japan is cutting emissions with 6 percent by 2012 compared to 1990 levels. In addition, the Japanese government has set the ambitious goal of cutting greenhouse gas emissions by 25 percent from 1990 levels by 2020. This position has been confirmed despite the devastating earthquake which occurred in March 2011 and the worst nuclear crisis in the world since Chernobyl.

This ambitious goal has prompted Japan to look for ways to offset greenhouse gas emissions outside the Kyoto Protocol framework. Therefore, Japan has been exploring alternative ways for climate change mitigation and currently the focus is on bilateral agreements. According to a Reuters article published in October 2011, Japan has held bilateral talks with eight countries in Asia on offset schemes aimed at generating a new type of carbon credits. In addition, according to Reuters the country plans to distribute 2.5 billion yen ($32 million) in subsidies between the 40 groups to test low carbon technology in 18 developing countries.

This new approach is also a result from the dissatisfaction of Japan with the Kyoto Protocol and its present state. The Japanese Government has not spared criticism toward the Kyoto Protocol, regardless of the fact that it bears the name of the former Japanese imperial capital. In December 2010, the Ministry of Foreign Affairs of Japan released a statement, clearly opposing the 2nd Kyoto Protocol commitment period. According to the statement, the current framework is neither fair nor effective. This in turn has provoked the Japanese government to look for an alternative emission reduction approach, especially in view of the yet unclear future of the international action on climate change.

The new Japanese bilateral agreement system might also be regarded as a solution to the existing unresolved issues with the Kyoto Protocol’s CDM. Recently, a study by the Stockholm Environment Institute (SEI) detected problems with the CDM additionality principle for higher-efficiency coal power plants, as well as with one of the methodologies which could lead to the over-crediting of approximately 250 percent for coal plants. These findings are piling up to the already existing doubts whether all the projects implemented under the CDM actually deliver net reductions in greenhouse gas emissions. Therefore, Japan’s shift from one of the compliance carbon markets and its flaws might turn out to be environmentally beneficial, depending on the proper functioning of the methodologies applied under the bilateral agreements.

The Japanese approach is worth exploring since developed countries seem to become increasingly hesitant with regards to future commitments on a large international scale. In the case of an absence of a post-Kyoto agreement, such a functional approach might serve as a substitute at least until a global solution is reached. What still remains to be seen, however, is if this Japanese system will adequately address developing countries that are largely dependent on the CDM and compliance carbon markets.

It is still unclear whether the Japanese approach will complement the existing climate change framework and carbon markets or if it will be the foundation of a new functional approach. In any case, it is the environmental “safety net” in the Land of the Rising Sun.



Nerja at Christmas – 5 Reasons to Visit the Hidden Jewel of the Costa Del Sol

The Climate

Nerja, in the eastern Costa Del Sol, benefits from one of the best climate patterns in Europe, not just Spain. The average daily temperature during December is around 18 degrees centigrade, and in one of the 158 hours of sunshine during the month it reaches into the 20s. There are only 6 days of any significant rain so anyone visiting for a week or more is almost guaranteed to enjoy some beautiful sunshine. The evenings are chilly, dropping below 10 degrees, so pack some warm clothes along with your shorts and t-shirts which you might end up wearing on Christmas Day.


As in the UK and elsewhere Nerja residents love to shop at Christmas.    ひたちなか市 学習支援   The local businesses make a wonderful effort to decorate their shops for the festive period. Walk down Calle Pintada or any other shopping street, with their mix of gift shops, designer boutiques and craft shops and you will find lights, trees and traditional decorations enticing you to enter and browse their delights. Some shops create their own nativity scene, or Belen in Spanish, with animated models, dozens of figures, and the ubiquitous ‘caganer’, the cheeky character caught with his pants down who all the giggling children try and spot.

Christmas Dinner

There is no shortage of restaurants and bars in Nerja where you can enjoy a traditional English Christmas Dinner. If you are looking for a stylish place with a more sophisticated take on the roast turkey try Numero Seis. For a homely experience of the bird with all the trimmings the friendly Buddy’s Bar is a good option. If the English menus are not what you are looking for most Spanish restaurants open on Christmas Day, eating out being a popular choice for local families.

It Lasts Longer

Unlike the UK, Spain celebrates again on January 6th with the festival of the three kings. This is the day when children receive their presents and the fun begins the evening before when ‘Los Tres Reyes’ arrive in town as part of a lively and colourful parade. The children gather along the route waiting for the kings to throw sweets and small gifts and then they scramble to collect as many as they can.

Great Value

During December and January there are many bargains to be found amongst the wide range of accommodation in Nerja. Most hotels and private owners do not increase their rates, even for Christmas and New Year, so visiting Nerja during these holidays is cheaper than at any other time of year. The best value is to be found by booking directly with property owners who may even reduce their weekly rental rates further for longer stays. With airlines offering very low fares for most of the month Christmas really is a great time to visit Nerja.

My name is Nick Mills and I have lived in Nerja for over three years and feel that I have learned a lot about the town and the people who live here. My website is a complete guide to this lovely place with information on its festivals, beaches, bars, restaurants and entertainment. The site also has a comprehensive list of available accommodation in Nerja including hotels, hostals, and self catering apartments and villas.



Factors Affecting the Academic Performance

The main purpose of this study was to determine the specific learning disabilities, level of self efficacy, self esteem, multiple intelligences, parent and teacher’s involvement of students at risks with learning disabilities and their relationships to academic performance of high school students at risk with learning disabilities in order to design a supportive classroom environment for these children.

This study was based on the theory that academic performance of students at risk with learning disabilities is dependent on the self-efficacy, self-esteem, multiple intelligences and parents and teachers’ involvement. The self-efficacy includes general self efficacy and social self efficacy. The multiple intelligences includes the Linguistic Intelligence, Logical-Mathematical Intelligence, Bodily Kinesthetic Intelligence, Musical Intelligence, Interpersonal Intelligence, Intrapersonal Intelligence,  ひたちなか市 学習塾   Spatial Intelligence, and Nature Intelligence. This study hypothesized that there is significant relationship between self-efficacy, self-esteem, multiple intelligence, parents and teachers’ involvement to the academic performance of students at risk with learning disabilities.

The research design was descriptive using cross tabulation technique. The study was conducted at Gingoog City Comprehensive National High School,Division of Gingoog City, Region X. Philippines. The respondents of the study involved the thirty four ( 34 ) students at risk with LD. Five ( 5 ) sets of questionnaires were being administered to gather the needed data such as the Self efficacy Scale, Barksdale Self-esteem Evaluation Index ( SEI), Multiple Intelligence Developmental Assessment ( MIDAS) and Parent Involvement Checklist. Each questionnaire has undergone the test of validity and reliability. The statistical tool used were frequency, percentage, weighted mean and cross tabulation analysis.

It is concluded that most of the second year students at risk with learning disabilities have mild dyslexia, mild dyscalculia and mild dysgraphia. These students have suffered low general self efficacy, low and lack of social self efficacy and all of them have lack of self -esteem. Each of these students possesses different types of intelligences and although the said intelligences are low still, none of them has linguistic and logical intelligences and most of them have average general academic performance. The general self -efficacy and social self efficacy, self esteem, multiple intelligences do not significantly affect the academic performance of the students. However, teachers’ support play a major role in the academic performance of LD at risk. While there is a low correlation between parents involvement and general self -efficacy and between parent involvement and multiple intelligences, the kind of parental involvement of the students do not affect the social self efficacy, self esteem, and academic performance of the students.

From this conclusion, the supportive classroom environment intended for students at risks with learning disabilities are consist of the following; knowledge about LD, establishing learning centers like reading centers, writing/ spelling centers, multiple intelligence centers, parent involvement nook, teachers’ attitude, academic performance update, remedial reading intervention, accommodations and classroom size. With the right interventions in reading with parents, teachers and administrators’ support, these children with LD can succeed in their lives and become worthwhile persons in the community and country as a whole.

SUSAN TAN APAREJO is a Master Teacher 1 at Gingoog City Comprehensive National High School ( GCCNHS ), Gingoog City Northern Mindanao, Philippines. She earned her Master’s degree in Special Education at Mindanao University of Science and Technology ( MUST ), Cagayan de Oro City and her doctoral degree at Capitol University, Cagayan de Oro City. She is presently the SPED coordinator, SPED teacher and adviser of Self-contained LD at risk at GCCNHS.