Features of balance of payment

Stages in the Sale of a Property Stage 1 – Getting to Instruction • Initial contact with the vendor: need to check the following: type of property, contact details of vendor, address of property/Eircode and purpose of the contact - sale or valuation? If a sale, does the vendor need a quick sale? Qualify the lead i.e. is the vendor buying another property? If an investment property, is the tenant in situ? Check if there is a folio number available and confirm the ownership of the property. Schedule the viewing. • Pre-viewing: Set up a file & record all info from initial contact on CRM system. Check the Property Price Register to help get a general idea of property valuation (subject to viewing, helps to display knowledge of area/market and set expectations for the vendor). Nature of property may affect pricing e.g. starter home vs. larger property with vendor seeking to downsize. Consideration for comparables may include similar/same location, size and condition of property, availability and type of parking, layout of property, plot size, orientation of garden, extensions undertaken etc. Nature of market conditions, state of wider economy, cost of capital and availability of credit may also be factors. • Appraisal/viewing: Bring an advertising pack/sales & marketing brochures. Walk through property with client, note nice features/selling points for the brochure, let the client talk about upgrades/specific features of the property. It is very important to listen to the vendor and build rapport. Confirm property details e.g. condition and layout, plot size, orientation of garden. Check for certificates of compliance for any extensions, planning permissions for conversions, right of way if applicable etc. Check if a BER available/provide details for approved assessors. Demonstrate your/the practice’s professional expertise, justify why you should get the instruction, discuss recent local sales and give your potential valuation. Discuss the sales fee, marketing fee and any additional charges e.g. professional photography, drone footage, virtual tours (walkthrough video, Matterport etc.) Ask how the vendor heard about you/your practice and why are they considering you for the sale. Where appropriate offer advice to help vendor increase potential sales price. (If possible, leave with signed Property Services Agreement/Letter of Engagement.) Thank you, send/email market appraisal, any queries/questions do get in touch and let the vendor know that we’ll be in touch in coming days. • Post appraisal – letter sent that pm/next morning with market appraisal; diary note to follow up. Check that market appraisal letter received and check for questions. If did not get sale, find out why not/debrief. If get the sale, email confirmation of instruction. Once PSRA sent and LOE returned signed = stage 2. Other details required – ID, proof of address, proof of ownership/title, solicitor details, BER certificate (refer to assessor if not available). All these should be uploaded to CRM. Stage 2 – Getting to ‘Sale Agreed’ Set up appointment to measure & photograph, note any special features e.g., upgraded kitchen, south-facing garden. Provide ideas for improving sales potential (declutter, painting, tidy garden etc. Check if has vendor potential buyers in mind already e.g., relations, friends, other parties interested. Seek vendor approval for photos/text of brochure. Check for access (tenants in situ/working from home etc) and confirm viewing times. If given a key for viewings – tag it! Check alarm codes & whether a sign is allowed on the property. Bring to market – upload to all websites e.g., daft/my home, in house websites and create window display. Match the property against your internal database of potential purchasers /CRM system. Set up appointments for viewings on CRM or arrange for open viewings. Confirm viewings with vendor & purchaser. Turn on lights, open windows, secure valuables, leave out brochures & business cards, bring viewings sheets to keep record of attendees. Introduce yourself and get attendee details. Let people view the property and address any questions. Point out key features. Record questions to be answered and any feedback from viewers. Ask are they selling property? Let viewers know of offers already received. Lock up/alarm property/close windows. Provide vendor with feedback on viewings - number of viewers / questions raised/overall reaction to property. Offers should be confirmed in writing & upload to on CRM/ offers will be input by bidders onto online bidding platforms ‘Proof of funds’ required for offers in some practices. Successful bidder will be chosen by vendor, who might want quick sale/no chain or prefer the highest bidder. Booking deposit will be sought from successful bidder. The amount varies by practice but must cover fees. Sales Advice Notice/letter should be sent to both solicitors (and may be cc’d to vendor/buyer or notify both that SAN have gone out). Booking deposit receipt should be issued. The BER certificate and report should go to the solicitor. Send requests for docs/info to successful bidder including steps they need to take to progress sale e.g., organise the bank valuation and/or schedule the survey. Once the deposit is paid the property is Sale Agreed, inform other bidders, and update all websites/sales board etc. Stage 3 – Getting to closing Access should be organised for the bank valuation/survey. Stay in touch with both solicitors ‘contract-chasing’ i.e., check when contracts are issued, signed and queries answered. Legal searches undertaken by the solicitors may include checking boundaries, land registry, title, rights of way, compliance certs etc. When contracts are signed 10% purchase price/booking deposit should be sent to the vendor’s solicitor. Once all queries satisfied = drawdown of mortgage/funding, house/life insurance in place. Title deeds will be requested once contract is signed. Decide final closing date. Check that the property taxes have been paid. Check that vendor has vacated the property. When vacant, conduct the final walkthrough and take final readings (MPRNs ). Check with solicitor if the drawn down funds h, and once received the solicitor gives authorisation to the estate agent to release the keys. The agent will do up invoice, send the balance of funds to solicitor and provide gift to purchaser. Finally remove sign, mark as sold on CRM, seek testimonials, upload to social media and close a/c on CRM

1. Which factor is most crucial to verify first when selecting an ICT resource for instruction? A) Content alignment with the textbook B) Alignment with learning objectives C) The resource's popularity among peers D) Cost-effectiveness of the resource 2. When evaluating ICT resources, what is the purpose of checking cultural relevance? A) Ensuring it aligns with current trends B) Making sure it's accessible to all students C) Reflecting the diverse backgrounds of students D) Avoiding resources that are too complex 3. Which key aspect determines the accessibility of an ICT resource? A) How popular the resource is with students B) Its compatibility with existing technology C) Cost of using the resource D) Engagement levels it provides 4. In assessing content quality, why is accuracy important? A) To make resources easier to use B) To ensure alignment with curriculum standards C) To enhance visual appeal D) To provide a more engaging experience 5. Why is it essential for an ICT resource to offer interactivity? A) To improve download speeds B) To promote active learning and engagement C) To meet all technical requirements D) To minimize costs associated with the resource 6. What should be assessed regarding the usability of an ICT resource? A) How much it costs compared to other resources B) How easily students can navigate and use it C) How interactive it is D) Its level of engagement 7. Which of the following best describes the importance of feedback mechanisms in ICT resources? A) They reduce the need for grading B) They allow for automatic updates C) They provide immediate feedback to enhance learning D) They increase the cost-effectiveness of the resource 8. What is an advantage of resources that are scalable and flexible? A) They can adapt to different class sizes or teaching methods B) They are often free C) They do not require technical support D) They are easier to assess 9. Which tool would you use to gain structured feedback from students about an ICT resource? A) Rubrics B) Peer reviews C) Online review platforms D) Student feedback 10. When is a checklist most beneficial in evaluating an ICT resource? A) To provide structured guidelines for scoring B) For highlighting key features and requirements C) To measure student engagement D) To analyze technical support needs 11. Which of these tools helps teachers gather insights from colleagues on a resource's effectiveness? A) Online review platforms B) Student feedback C) Peer review D) Rubrics 12. In the planning stage, how can ICT benefit lesson development? A) By providing only audio resources B) By assisting in research for updated content C) By reducing the need for lesson objectives D) By limiting content access 13. During content delivery, how does ICT enhance the lesson experience? A) By allowing remote control of student devices B) By adding interactivity and visual elements C) By only focusing on text-based resources D) By limiting engagement 14. What is a key advantage of using ICT-based assessment tools? A) Reducing the need for reflection B) Tracking student progress and providing feedback C) Replacing lesson objectives D) Focusing solely on multiple-choice questions 15. Which ICT feature is most beneficial in the reflection stage of a lesson? A) Technical support options B) Feedback mechanisms for immediate assessment C) Tools for students to document learning, like online portfolios D) Interactive quizzes 16. How does ICT aid in skill development? A) By encouraging only memorization B) By fostering digital literacy and critical thinking C) By minimizing interactions with the teacher D) By restricting content variety 17. What does a cost-effective ICT resource entail? A) Being free of charge for all students B) Offering a good balance of educational value and cost C) Having the most features available D) Minimizing interactivity to reduce expenses 18. Why is teacher training crucial in ICT integration? A) To learn troubleshooting for technical issues B) To help only in the planning stage C) To reduce the need for ICT support D) To assess the cultural relevance of ICT tools 19. What challenge might schools face in accessing ICT resources? A) Lack of teacher motivation B) Availability of devices and internet connectivity C) High levels of student engagement D) Excessive interactivity 20. Why should teachers regularly evaluate the ICT resources they use? A) To determine if students enjoy using them B) To assess cost-effectiveness only C) To ensure resources remain effective and up-to-date D) To simplify lesson planning

SYI-1.D: Describe the structure and/ or function of subcellular components and organelles. ★ SYI-1.E: Explain how subcellular components and organelles contribute to the function of the cell. ★ SYI-1.F: Describe the structural features of a cell that allow organisms to capture, store, and use energy. ★ ENE-1.B: Explain the effect of surface area-to-volume ratios on the exchange of materials between cells or organisms and the environment. ★ ENE-1.C: Explain how specialized structures and strategies are used for the efficient exchange of molecules to the environment. ★ ENE-2.A: Describe the roles of each of the components of the cell membrane in maintaining the internal environment of the cell. ★ ENE-2.B: Describe the Fluid Mosaic Model of cell membranes. ★ ENE-2.C: Explain how the structure of biological membranes influences selective permeability. ★ ENE-2.D: Describe the role of the cell wall in maintaining cell structure and function. ★ ENE-2.E: Describe the mechanisms that organisms use to maintain solute and water balance. ★ ENE-2.F: Describe the mechanisms that organisms use to transport large molecules across the plasma membrane. ★ ENE-2.G: Explain how the structure of a molecule affects its ability to pass through the plasma membrane. ★ ENE-2.H: Explain how concentration gradients affect the ★ movement of molecules across membranes. ★ ENE-2.I: Explain how osmoregulatory mechanisms contribute to the health and survival of organisms. ★ ENE-2.J: Describe the processes that allow ions and other molecules to move across membranes. ★ ENE-2.K: Describe the membrane-bound structures of the eukaryotic cell. ★ ENE-2.L: Explain how internal membranes and membrane- bound organelles contribute to compartmentalization of eukaryotic cell functions. ★ EVO-1.A: Describe similarities and/or differences in compartmentalization between prokaryotic and eukaryotic cells. ★ EVO-1.B: Describe the relationship between the functions of endosymbiotic organelles and their free-living ancestral counterparts

Seafloor spreading is a geologic process in which tectonic plates—large slabs of Earth's lithosphere—split apart from each other. Seafloor spreading and other tectonic activity processes are the result of mantle convection. Mantle convection is the slow, churning motion of Earth’s mantle. Convection currents carry heat from the lower mantle and core to the lithosphere. Convection currents also “recycle” lithospheric materials back to the mantle. Seafloor spreading occurs at divergent plate boundaries. As tectonic plates slowly move away from each other, heat from the mantle’s convection currents makes the crust more plastic and less dense. The less-dense material rises, often forming a mountain or elevated area of the seafloor. Eventually, the crust cracks. Hot magma fueled by mantle convection bubbles up to fill these fractures and spills onto the crust. This bubbled-up magma is cooled by frigid seawater to form igneous rock. This rock (basalt) becomes a new part of Earth’s crust. Mid-Ocean Ridges Seafloor spreading occurs along mid-ocean ridges—large mountain ranges rising from the ocean floor. The Mid-Atlantic Ridge, for instance, separates the North American plate from the Eurasian plate, and the South American plate from the African plate. The East Pacific Rise is a mid-ocean ridge that runs through the eastern Pacific Ocean and separates the Pacific plate from the North American plate, the Cocos plate, the Nazca plate, and the Antarctic plate. The Southeast Indian Ridge marks where the southern Indo-Australian plate forms a divergent boundary with the Antarctic plate. Seafloor spreading is not consistent at all mid-ocean ridges. Slowly spreading ridges are the sites of tall, narrow underwater cliffs and mountains. Rapidly spreading ridges have a much more gentle slopes. The Mid-Atlantic Ridge, for instance, is a slow spreading center. It spreads 2-5 centimeters (.8-2 inches) every year and forms an ocean trench about the size of the Grand Canyon. The East Pacific Rise, on the other hand, is a fast spreading center. It spreads about 6-16 centimeters (3-6 inches) every year. There is not an ocean trench at the East Pacific Rise, because the seafloor spreading is too rapid for one to develop! The newest, thinnest crust on Earth is located near the center of mid-ocean ridge—the actual site of seafloor spreading. The age, density, and thickness of oceanic crust increases with distance from the mid-ocean ridge. Geomagnetic Reversals The magnetism of mid-ocean ridges helped scientists first identify the process of seafloor spreading in the early 20th century. Basalt, the once-molten rock that makes up most new oceanic crust, is a fairly magnetic substance, and scientists began using magnetometers to measure the magnetism of the ocean floor in the 1950s. What they discovered was that the magnetism of the ocean floor around mid-ocean ridges was divided into matching “stripes” on either side of the ridge. The specific magnetism of basalt rock is determined by the Earth’s magnetic field when the magma is cooling. Scientists determined that the same process formed the perfectly symmetrical stripes on both side of a mid-ocean ridge. The continual process of seafloor spreading separated the stripes in an orderly pattern. Geographic Features Oceanic crust slowly moves away from mid-ocean ridges and sites of seafloor spreading. As it moves, it becomes cooler, denser, and thicker. Eventually, older oceanic crust encounters a tectonic boundary with continental crust. Keeping Earth in Shape Seafloor spreading is just one part of plate tectonics. Subduction is another. Subduction happens where tectonic plates crash into each other instead of spreading apart. At subduction zones, the edge of the denser plate subducts, or slides, beneath the less-dense one. The denser lithospheric material then melts back into the Earth's mantle. Seafloor spreading creates new crust. Subduction destroys old crust. The two forces roughly balance each other, so the shape and diameter of the Earth remain constant.

Life Processes Identify and define the seven life processes (MRS GREN). Classification Group living organisms based on observed similarities and differences. Classify vertebrates into taxonomic groups based on visible physical characteristics. Construct a dichotomous key to classify vertebrates. Cells Compare the structure of generalised plant and animal cells, and selected microbes (e.g. bacteria, fungi and Amoeba) Distinguish among cell wall, cell membrane, nucleus, cytoplasm, temporary and permanent vacuoles, mitochondrion, chloroplast, endoplasmic reticulum and ribosomes. Relate the structure of organelles to their functions; Identify specialised cells such as blood cells, ciliated epithelial cells, nerve cells, root hair cells, sperm cells and egg cells. Explain the importance of cell specialisation in multicellular organisms; include hierarchy of cells, tissues, organs; organ systems and then organism Diffusion, Osmosis, Active transport and Osmoregulation Explain the processes of diffusion, osmosis and active transport. Identify everyday instances of these processes occurring. Discuss the importance of diffusion, osmosis and active transport in living systems. Nutrition in Plants Describe the process of photosynthesis in green plants; test for end products, starch or reducing sugar (glucose). Relate the structure of the leaf of a flowering plant to its function in photosynthesis; draw and label the external features and the internal structure (cross section) of a leaf as seen in cross section under the light microscope. Nutrition in Humans Discuss the importance of a balanced diet in humans. State components of a balanced diet (carbohydrates, fats, proteins, vitamins and minerals, water and roughage and their roles) along with the results of their deficiency or surplus. Suggest dietary recommendations for treating and preventing named deficiency and physiological diseases (such as those outlined in the manual and your notes). Perform tests to distinguish among food substances - Test for proteins (Biuret), fats (grease spot), starch (iodine), reducing sugars (Benedict’s solution). The Digestive System in Humans Relate the structures of the human alimentary canal to their functions; Draw and label simple diagrams of the alimentary canal and internal structure of a tooth required. Describe mastication and the role of teeth in the mechanical breakdown of food to be included. (Compare types of teeth in humans and compare types of teeth in herbivores and carnivores.) Explain the role and importance of enzymes role of digestive enzymes in the mouth, stomach and pancreatic enzymes in the small intestine. Discuss properties of enzymes. Deduce from tables and graphs the effects of temperature and pH on enzyme activity. Experimental Skills Follow all drawing rules as outlined in the drawing skills checklist posted in the classroom (including calculation of magnification).

Revolutionising Education: Unleash AI to Spark Joy in the Classroom. What is Artificial Intelligence (AI)? • Definition: AI involves creating computer systems that can perform tasks typically requiring human intelligence. These include learning, reasoning, problem-solving, perception, and language understanding. • Examples in Everyday Life: From personal assistants like Siri and Alexa to more complex applications like predictive analytics in healthcare and autonomous driving. Two Types Artificial Intelligence (AI) • Generative AI: refers to a type of artificial intelligence technology that can generate new content, such as text, images, music, and videos. It leverages advanced algorithms to understand and replicate patterns from existing data, allowing it to create original outputs that mimic human-like creativity. Examples include models that can write like a human, generate realistic images from textual descriptions, or compose music. • Large Language Models: are a subset of Generative AI specifically designed to understand and generate human language. These models are trained on vast amounts of text data, which enable them to perform a variety of language-based tasks such as translation, summarization, answering questions, and even engaging in conversation. Notable examples include OpenAI's ChatGPT, Google Bard, and Microsoft Bing. AI in Education? • Enhancing Learning: AI can personalise learning based on individual student needs by adapting materials and pacing. • Automating Tasks: AI can automate administrative tasks like lesson planning and scheduling, allowing educators more time to focus on teaching and building relationships. Ethical Considerations? • Privacy and Security: Ensuring student data is protected and not misused. • Bias and Fairness: Developing AI systems that provide equal opportunities for all students and do not inherit or amplify biases. • Transparency and Accountability: Making AI decisions in education understandable and subject to checks and balances. Our Top 10 AI For Educators • Classroom conductor – ChatGPT - A versatile AI that assists teachers with emails, lesson plans, generating quiz questions, and example student pieces. • Digital Design Dynamo – Canva - With its AI Magic Media app, Canva helps create engaging visuals and videos, making digital design accessible. • Maetstro of Music – Suno - Instantly generates songs on any lesson topic or converts your lyrics into music, enhancing learning with tunes. • Teacher’s AI Ally – School AI - Focused on educator needs, it features tools for creating interactive exit tickets and engaging chat bots. • Differentiator – Diffit - Transforms PDFs and YouTube videos into differentiated worksheets and activities across languages and reading levels. • Quiz Master – Quizalize - Turns any content into quizzes or games, engaging students with interactive challenges based on lesson material. • Presentation Pro – Gamma - Helps create stunning presentations quickly, ideal for classroom use or professional meetings. • Interactive Lesson Launcher – Cruipod - Quickly generates interactive presentations for classroom use, integrating activities seamlessly into lessons. • Note-Taking Ninja – LLava - Produces study notes and quiz questions from any photo or image, simplifying study material generation. • Creative Story Spinner – StroyWizard - Enables teachers to create custom stories incorporating elements from their own classrooms, linking imagination with academic achievement.

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