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Adapted By:  Danielle Stiner, Mitchell Beerbower, Keithia Hayden, Morgan Henderson, Tyler Jepson, Amanda Martin, John Opacak, Thomas Paterson, Alexander Staudinger __________________________________________________________________________________________________________________________________________________________________________________________________________________

Table of Contents


I. Background Information




Sridhar Vembu

Start Up Date

May 22, 2007

Type of Web 2.0

Note taking with integration of multimedia


Pleasanton, CA

Contacts Link

What does ZOHO Mean? 

 ZOHO is derived from the term SOHO, which stands for Small Office Home Office. That is the main purpose of all of the office suite applications ZOHO has to offer. The suite is targeted mainly for small to medium-sized businesses. ZOHO Notebook and ZOHO's other office applications not only benefit businesses but can assist educators as well.

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II. Who Developed ZOHO Notebook?

There are many developers at ZOHO Notebook who deserve credit for making this Web 2.0 application, however the gentleman behind it all is:

Sridhar Vembu, CEO

Sridhar started the company from the ground up with a mind for excellence and convienance.

*We hire young professionals whom others disregard. We don't look at colleges, degrees or grades. Not everyone in India comes from a socio-economic background to get the opportunity to go to a top ranking engineering school, but many are really smart regardless. We even go to poor high-schools and hire those kids who are bright, but are not going to college due to pressure to start making money right away. They need to support their families. We train them, and in 9 months, they produce at the level of college graduates. Their resumes are not as marketable, but I tell you, these kids can code just as well as the rest. Often, better." ~ Sridhar Vembu#1

ZOHO was founded by a 13 year old company that has made software tools.  It is a division of AdventNet that has also made desktop managers and does network testing.

Their headquarters are in Pleasanton, CA. They have offices are in Austin, New Jersey, London, Tokyo, and Beijing, and where it all started in India.#2

"Create • Aggregate • Collaborate"  This is the main mission of ZOHO Notebook.  This application was made to help people organize information in multiple collections called "notebooks".

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III. What is the Purpose of ZOHO Notebook?

ZOHO Notebook's purpose is to allow you to use common tools to make your information personal and professional. The information can be stored as a word processing document or as a spreadsheet. The tools that help promote efficiency while using ZOHO Notebook are audio clips, graphics, text, videos, and embedded information from other websites.  It is part of a suite of office applications that are free. It is set to rival other office suites you have to pay for. In this economy, reliability and price can play a big role in what you use to store, share, create, or organize information.

It's all about:   Create, Aggregate, and Collaborate!

    Create different types of content: You can create content in the form of typed text, image, audio, video, etc.#3  
  Aggregate your information in one place: You can embed content of any type from multiple applications.#3  
  Fine grained collaboration: You can share a whole book, page or just an object on a page by granting read/write permissions.#3  

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IV. How does ZOHO Notebook work?

ZOHO Notebook is a tool that can be used to organize and incorporate multiple forms of multimedia.  It can be organized into multi paged "notebooks" that can be viewed on one screen. Most anything can be cut and pasted to the pages of the "notebook".  Picture it in terms of an actual spiral notebook but with more capabilities!

 How do you start using it?

 To start using it go to:

  • Click on the New User "Sign Up" button


  • Next fill out your information such as name, email, and password.

  • Once you have your email confirmation you can log in to the original screen and start creating your notebooks!


This is how you start creating your notebook pages!


 Click on the video below to see how to create a ZOHO Notebook!



 This is how you aggregate or integrate other applications into your notebook pages!

Click on the videos below to see how to aggregate with ZOHO Notebook!


ZOHO Notebook Aggregate inside existing page

ZOHO Notebook Aggregate separate page


You have the power to choose what you share with others!

Click on the video below to view how to Collaborate with ZOHO Notebook!


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V. How is ZOHO Notebook related to other applications?

ZOHO Notebook is a tool similar to Microsoft One Note which allows users to consolidate research in one location and save information in shared folders. What is the main difference?  ZOHO Notebook is free!

Users can log in to ZOHO by either creating a profile or by using a Google or Yahoo account. You can share documents with ZOHO Office applications, Google, and Microsoft spreadsheets and word processors as well.

Users can also chat using Skype's instant messaging service and phone service.

ZOHO Notebook has a plug-in for Mozilla's Firefox web browser which allows users to capture entire Web pages or just the parts they want (everything from selecting text to embedding video) with ZOHO Notebook it's just a simple right-click to copy and right-click to paste.

Some great ways to integrate other applications into ZOHO Notebook! 

  • It is no secret that at least some of ZOHO Notebook's usefulness stems from its compatibility with other, existing applications.  Right from the get-go, ZOHO Office Suite is very accessible, as one can either create an account to use the applications or log in using an account from Google or Yahoo!.#6 
  • Even though ZOHO Office Suite offers several applications of their own, documents from Microsoft Word are still compatible with Zoho.#7  
  • Also, while doing group or collaborative research, if several people are online at the same time, they can communicate in ZOHO Notebook using Skype's instant messaging feature.#8 
  • When a new page of research is built, ZOHO Notebook can even update itself using dynamic RSS feeds.#9 
  • You don't have to lift a finger when a website updates itself; the RSS feed will automatically update in your research page in ZOHO Notebook.#9 
  • ZOHO Notebook also has its own tool bar that can be installed in Mozilla's Firefox Web browser which allows users to easily add content from a Web site to their research page, that is, either the entire site, or just the parts the user wants, such as an embedded video.#8  
  • ZOHO Notebook also allows for users to attach all sorts of files to their research pages, including audio, video, pictures, RSS feeds and other documents.#10 

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VI. What are some unique features of ZOHO Notebook?

ZOHO Notebook, "automatically stores the title and URL of the page from where your clipping came. That gives you an easy means of retracing your steps to the original source, should you want to investigate a clipping further. The feature is also particularly useful if you want to use the clipping in a blog or article or presentation — anything for which you need to include a reference or link to the original source".#11 

This particular feature is great for educators and students.  We are constantly checking our sources and having to cite information.  With ZOHO Notebook the URL's are on hand waiting for you if you need to refer back to one or make a Works Cited page.

 ZOHO notebook is not just for creating. There is a window where you can chat directly with others.  This application is great for collaboration on projects or connecting with others while you work!#12

Use ZOHO Notebook for mind mapping and generating ideas.  Use the writer tool and create a whiteboard to bounce ideas off of collaborators!

Security Policies:

ZOHO Company ensures that all of the information that you put onto your pages is secure. They provide security on many different levels which they categorize as physical, hardware, logical/software protection, and process. Your information will have more protection than it would if you were to simply keep your work on a company computer or your laptop.

  • "Physical: ZOHO servers and infrastructure are located in the most secure types of data centers that have multiple levels of restrictions for access including: on-premise security guards, security cameras, biometric limited access systems, and no signage to indicate where the buildings are, bullet proof glass, earthquake ratings, etc."#13
  • "Hardware: ZOHO employs state of the art firewall protection on multiple levels eliminating the possibility of intrusion from outside attacks."#13
  • "Logical/software protection: ZOHO deploys anti-virus software and scans all access 24 x7 for suspicious traffic and viruses or even inside attacks; All of this is managed and logged for auditing purposes."#13
  • "Process: Very few ZOHO staff have access to either the physical or logical levels of our infrastructure. Your data is therefore secure from inside access; ZOHO performs regular vulnerability testing and is constantly enhancing its security at all levels. All data is backed up on multiple servers in multiple locations on a daily basis. This means that in the worst case, if one data center was compromised, your data could be restored from other locations with minimal disruption. We are also working on adding even more security; for example, you will soon be able to select a "data encryption" option to encrypt your data en route to our servers, so that in the unlikely event of your own computer getting hacked while using ZOHO, your documents could be securely encrypted and inaccessible without a "certificate" which generally resides on the server away from your computer."#13

You can incorporate all of ZOHO's office suite applications into the ZOHO Notebooks you create!  To access these go .Other word processing and spreadsheets are compatable too. 

 ZOHO blogs is a great way to ask questions of others who have used ZOHO Notebook. You can see how others have used it. It is also a great way to share how you, yourself have used the application!

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VII. How can ZOHO Notebook be used in an educational setting?

 The best thing about ZOHO Notebook is the limitless potential it has in the field of education. Students can use it as the title function, a notebook, but that is just the beginning. Every piece of online content that is viewed and used by a student can be uploaded to the ZOHO notebook, "including video's, RSS feeds, webpages (marked up), audio, embedded html (like an online calendar) that automatically updates..."#15

Teachers have all the same options, but can reap more of the many benefits provided by this tool. Sharing with other teachers or the students online is a very handy feature of the notebook.

 ZOHO Notebook has developed new features and capabilities towards technological enhancements.  Some features and capabilities are linking between other notebooks, audio and video recording, and ZOHO chat.  All of those features could be used in a classroom.  ZOHO Notebook could be used in a classroom setting by organizing and linking student's assignments and attendance.  As future educators, the developers of this wiki think using ZOHO Notebook in our classrooms will be a great way of introducing students to a new and state of the art technology.

Lesson Plans


In an elementary school the best way to use ZOHO Notebook is to organize lesson plans.  It is such an easy way to keep subjects separate and units in working order.  Students can access lessons the teacher wishes to share with them and they in turn can share their work with other students encouraging them to evaluate each other. It is a great application to compile anything and share anything!



What's My Number?

Adapted by Keithia Hayden using:

Lesson Overview

Students will reinforce the concept of greater than/less than and stimulate higher order thinking and number sense.


Given a greater than or less than statement, the students will be able to eliminate  numbers on a number line to determine an unknown number with 95% accuracy.


Compare sets of up to ten objects and identify whether one set is equal to, more than,or less than another.


Access to ZOHO Noteboook


  • Draw a number line from 0 to 25 on ZOHO notebook 
  • Label each number
  • Tell the students you are thinking of a number between 0 and 25
  • They are to ask questions in order to find out what the number is
  • The questions must be in the format of,  Is it greater than/Is it less than?
  • Answer the questions yes or no, then indicate which numbers are eliminated by the questions
  • Simply use the line tool to  eliminate possible answers
  • Encourage the students to ask questions which will eliminate the most possible numbers
  • No guessing is permitted at first
  • The students may guess specific numbers only after the field has been narrowed down to 5 numbers


Students will answer on their own in the application then share notebooks with classmates to evaluate each other.  Then they will share their answer with the teacher for final corrections.

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Number.doc Number.pdf




Adapted by Zach Martin using:


Students will learn about the Northeast's geographical features,by looking atand creating their own maps.


When given a map of the Northeast on ZOHO Notebook and colored pencils, the student will be able to create a map of their own with the Northeast's geographical features with 80%accuracy. After finishing the map the students will create a journal compiling all the information they learned on ZOHO Notebook pages, each student will have their own page to create with pictures and any information they find on the region with 100% accuracy.


5.3.3 Name and locate states, regions, major cities, capitals, major rivers and mountain rangesin the United States.



Students: colored pencils, rulers, paper,
Teachers: ZOHO Notebook open on the Northeast section of the United States notebook


  • Discuss the Northeast region and point out the map and features on ZOHO Notebook
  • Using the map and information the teacher has provided for them on ZOHO Notebook, students will create their own map of the Northeast using the materials provided
  • Students are to label their maps with the following: states names, capitals, rivers, lakes, key, compass rose, and scale
  • Students will hand in map at the end of the lesson, and share the ZOHO Notebook journal with the teacher


The students' maps will have to contain all the criteria that has been pointed in the procedure.

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Northeast.doc Northeast.pdf



"Learning the Continents"

Adapted by Alex Staudinger using:

Lesson Overview

Students will learn the names and locations of the seven continents by reading their texts and viewing a global mapon ZOHO Notebook.


On ZOHO Notebook, students will be given a map of the world where the continents have been numbered 1-7.
The students will use their text to find the names and locations of each continent, and fill out thecorrect answer on a corresponding worksheet numbered 1-7, with 85% accuracy 


The World in Spatial Terms: Identify and describe continents, oceans, cities and roads on maps and globes.


Students: Geography Textbook, writing utensil.
Teacher: Internet access to ZOHO Notebook, displaying world map on overhead to class.


  • Tell students to read sections on the continents.
  • Display world map on ZOHO Notebook.
  • Pass out the continent worksheet.
  • Students are allowed ten minutes to correctly identify the continents, without the text.
  • Students will turn in the worksheet.


Graded on 100 point scale. Students will be allowed to make corrections when their papers are handed back,to recieve half credit for points missed.

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LearningContinents.doc LearningContinents.pdf

 Bonus Notebook Idea for Elementary Teachers!


Back to Table of Contents


In high schools across the nation, budgets are being cut resulting in less money for the schools.  With ZOHO Notebook worksheets can be posted on the application saving paper.  Teachers can have students evaluate each other and they can collaborate on projects.  By sharing the notebooks with the teachers they can save money on school supplies as well.  There is no using the excuse, I don't have paper or a pencil!  The ZOHO Notebook application is free and simple to use, saving money and time.



"Creating a Character"

Adapted by Amanda Martin using:


In this lesson, students will explore various methods writers use to create effective characters.  Students will create their own characterizations.


When given a list of criteria and access to ZOHO Notebook, students  will create a character in ZOHO Notebook using three or more of the criteria given, with 100% accuracy.


Use point of view, characterization, style, and relative for specific narrative and aesthetic (artistic) purposes.


Students:Pencil or pen and notebook paper
Teacher: Listed Criteria on ZOHO Notebook


  • Discuss favorite characters students have read in books
  • Have them explain what made them memorable
  • Teacher will then pull up ZOHO Notebook
  • Show the students the list of criteria
  • List is as follows:  physical characteristics, interactions and relationships, interactions with their environment
  • After discussion students will create a character using the given criteria and create the character in ZOHO Notebook.
  • They must use all of the list above.
  • When the students are done they will share their created characters with the teacher in the share section of ZOHO Notebook
  • Teacher will compile them into one large notebook for class
  • Use for future team story telling 


Students will have successfully created a character in ZOHO Notebook, by using the criteria of their choice that was listed on the teacher's ZOHO Notebook page. 

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Character.doc Character.pdf




"Eat Right, Stay Fit"

Adapted by Danielle Stiner from:


Students will learn how to develop healthy meals and learn the importance of a healthy diet and evaluate their own eating habits.


Students will do research on the Food Guide Pyramid and healthy food choices, then they will create a week's worth of healthy food for breakfast, lunch, and dinner.


NW. 2.5
Examine impacts of daily choices, behaviors, and other factors on health and wellness (for example: exercise, nutrition, stress, genetics, work enviornments, life events).


  • Computers with Internet access
  • Excel to create menus
  • ZOHO Notebook application



Administer a worksheet composed with questions made from your ZOHO Notebook page. Evaluate the created notebooks. 

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ERSF.doc ERSF.pdf



"Ancient History Cyber Journalists"

Adapted by Morgan Henderson from:


Students will describe and assess the circumstances surrounding a major historical event from the ancient worldby using the Internet and other resources to research its location, people, and repercussions and then write a news article that summarizes and draws conclusions from a historical event using ZOHO Notebook.


When given a historical event, students should write a news article on ZOHO Notebook about the location, people,and repercussions involved, with 100% accuracy.


Locate and analyze primary sources and secondary sources related to an event or issue of the past.


  • Computer with internet access
  • Writing materials (pens, pencils, paper, or computers)
  • Textbooks and other reference material on ancient history topics
  • Newspapers


Students will do the following:

  • First create a ZOHO Notebook page for your newspaper articles.
  • Choose an Ancient History Event and research.
  • After compiling all your information, write a newspaper article about your event on ZOHO Notebook.
  • After writing, make sure to edit your final draft.
  • Add graphics, charts, or tables to make your articles more appealing.


Students will be graded on the content and organization of their newspaper articles on ZOHO Notebook.

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AHCJ.doc AHCJ.pdf




Compiling data for a Research Paper; 12th Grade English/Language Arts/History
Created by Tyler Jepson
Lesson Overview

Students will need to research a debated topic in academia (For example, the views of Booker T. Washington versus those of W.E.B. Dubois on the role of African-Americans in Post-War and Industrial America).  Students will search for articles, on the topic they choose, from academic journals using archive or database software and will compile their research from multiple sources in one place, in an organized fashion and save it using ZOHO Notebook. Students will then utilize the research later on in a research paper.  Students will learn research skills in using search engines and database/archive tools and learn skills for selecting and organizing research, all while writing a quality research paper on a historic topic.


Students will have to find no fewer than four "quality" articles from academic journals on a teacher approved topic,compile useful information in ZOHO Notebook, and then incorporate the information into a research paper using proper citations.


Indiana Department of Education: English/Language Arts: High School Composition:

Develop presentations using clear research questions and creative and critical research strategies,such as conducting field studies, interviews, and experiments; researching oral histories; and using Internet sources.

Write academic essays, such as an analytical essay, a persuasive essay, a research report, a summary, an explanation,a description, or a literary analysis that: develops a thesis. creates an organizing structure appropriate to purpose, audience, and context; includes accurate information from primary and secondary sources and excludes extraneous information. makes valid inferences; supports judgments with relevant and substantial evidence and well chosen details; uses technical terms and notations correctly; provides a coherent conclusion.

Write or deliver a research report that has been developed using a systematic research process(defines the topic, gathers information, determines credibility, reports findings) that: uses information from avariety of sources (books, technology, multimedia), distinguishes between primary and secondary documents, and documents sources independently by using a consistent format for citations; synthesizes information gathered from a variety of sources, including technology and one's own research, and evaluates information for its relevance
to the research questions; demonstrates that information that has been gathered has been summarized, that thetopic has been refined through this process, and that conclusions have been drawn from synthesizing information;demonstrates that sources have been evaluated for accuracy, bias, and credibility, incorporates numeric data, charts, tables, and graphs. Organizes information by classifying, categorizing, and sequencing, and demonstrates the distinction between one's own ideas from the ideas of others, and includes a bibliography (Works Cited).

Indiana Department of Education


Computer, Internet access to find a topic, word processor, access to database software (usually available inhigh school, college and public libraries), ZOHO Notebook


1. Students will search for and choose a debated topic for the teacher to approve.

2. After approval, students will find at least six "quality" articles on the topic, preferably three on each side of the debate.

3. Students will then choose four (total) articles, preferably two on each side of the debate, and from those articles, choose the most important data and/or facts.

4. Students will compile all of the best data they have chosen into one page on ZOHO Notebook, thus placing all of their data in one simple, efficient place so they can refer to it easily, often and from anywhere that has an internet connection.

5.  Using the data they have compiled, students will  write a ten page research paper, free of grammatical errors, outlining either side of the debate, then arguing which side has the strongest argument, using the research and citing the sources properly in MLA format.


After finding completing the paper, students will be assigned a brief response paper, one to two pages, where the student will explain the steps they took to find a topic, what their experience was doing research (what they thought it would be like, what was hard/easy, what they learned about the process, et cetera).  ZOHO Notebook can also be used for group projects in which students can collaborate and share research, ideas or any content they want to share, and they can do that from anywhere that has an internet connection.  Also, ZOHO Notebook can be used for students to share their papers online and other students can give feedback or do peer reviews.

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High School Composition.doc High School Composition.pdf

Family and Consumer Science Financial Literacy Lesson Plan for 7th and 8th Graders

The Economics of Home Buying

Grade Level: 7-8


Students will become familiar with the purchasing a home and all the this process entails. The students will create a Zoho Notebook filled with writings, research, purchase plan, mortgage information and pictures of the home they selected.


When given a movie, Internet access, and readings, students will create a Zoho Notebook filled with a variety of information related to consumer home buying.


Financial Responsibility and Decision Making

Standard 1: Demonstrate management of individual and family finances by applying
reliable information and systematic decision making.

Content Standards

Middle School Indicators


Demonstrate taking responsibility for personal financial decisions.


Describe the benefits of financial responsibility
and the costs of financial irresponsibility.


Analyze financial information from a variety of reliable sources.


Analyze online and printed sources of financial
information by describing strengths and weaknesses
of each.


Utilize consumer protection laws and resources.


Identify the primary consumer protection agency
 in Indiana.


Describe unfair or deceptive business practices that
 are forbidden by consumer protection laws.


Explain steps for resolving a consumer complaint.


Make financial decisions by systematically considering alternatives and consequences.


Set measurable short-term and medium-term
financial goals.


Evaluate the results of financial decisions.


Apply systematic decision making to short-term
and medium-term goals.


Demonstrate communication strategies for discussing financial issues.


Explain benefits of discussing important financial
matters with household members and/or financial


Identify factors that explain differing values and
attitudes about money.


Demonstrate strategies to control personal information.


Describe the possible consequences of disclosing
particular types of personal information to others.




  • Eating for Your Future (video)
  • Computer with Internet access * Zoho Notebook Account
  • Attached Assignment


1.     Create a Zoho Notebook and allow all of student's access to collaborate on the page.

  1. Have students read and complete the attached activity.
  2. Then have the students find information on financing, calculate their house payment, browse real estate websites and find the home of their dreams and paste pictures or video. 4.     Each student must contribute three pictures of homes they considered with their final choice.
    5.     Students are to submit a final 2 page typewritten reflection on the experience of the overall assignment.
    6.     Each student must review a peer's completed assignment and write a short 1 paragraph peer evaluation.


Each student must complete a ZoHo Notebook on their home buying process which includes completed attachment assignment, research, pictures and a final 2 page typewritten reflection on the experience of the overall assignment.


Adapted by Kimberly J. Graves

   The Economics of Homebuying Introduction:

A Roof of Your Own

You'll need the Adobe Acrobat Reader_to view some_
of the materials for this article.

Homeownership is part of the American dream. But for some people, the cost of homeownership seems more like an American nightmare. Buying a home usually is the largest financial commitment that a person or family ever makes. Buying a home for the first time can be particularly intimidating.

Buying a home, however, is easier and more affordable than you may think. The keys are understanding the procedures and processes of homeownership and developing the skills to reduce the costs of homeownership.

In this activity, you'll see that there are many programs that help consumers buy a first home. Although some of these programs reduce initial costs, they can raise long-term costs. Next you'll analyze the economic factors that influence the costs of homeownership. Finally, you will use a mortgage calculator to master the basics of comparing the costs of mortgages. This is important because the cost of the mortgage is the largest cost of homeownership. Understanding the components of mortgage costs and comparing those costs among several lenders can save you thousands of dollars. Let's get started.

In this activity, you'll see that there are many programs that help consumers buy a first home. Although some of these programs reduce initial costs, they can raise long-term costs. Next you'll analyze the economic factors that influence the costs of home ownership. Finally, you will use a mortgage calculator to master the basics of comparing the costs of mortgages. This is important because the cost of the mortgage is the largest cost of home ownership. Understanding the components of mortgage costs and comparing those costs among several lenders can save you thousands of dollars. Let's get started.


Read On the Brink. This article on the costs of first-time home-buyers appeared in The Wall Street Journal Classroom Edition in February 1999.

After reading the article, answer the following questions.

  1. What percentage of adults now own a home?
  2. What percentage of new mortgage loans in 1998 were given to borrowers with down payments of less than ten percent?
  3. Besides lower down payments, what programs have helped more people buy homes?
  4. How would a recession affect lower-income home-buyers helped by these government programs?
  5. Should the government help low-income people by encouraging and subsidizing lenders to reduce down payments and interest rates? Why or why not?

Now let's examine the economic factors that influence home sales. You will examine the data in six charts. The scale for the data on these charts is on the left vertical axis. The horizontal axis tracks these data over the past 29 years. The light blue shaded areas represent economic recessions in the United States. The economic factors that you will examine are the following:

  1. Median Household Income. This is the middle level of income. To obtain this number, line up all household incomes in declining order and move down to 50 percent.
  2. Median New-Home Prices. Use the same techniques you used for determining median household income. This is the middle level of the price of new homes.
  3. Interest Rates. This chart shows the average interest rate on existing homes for each year.
  4. Affordability Index. This chart relates median income to home costs. For example, if incomes rise and interest rates fall, homes become more affordable.
  5. New-Home Sales. This chart shows the number of new homes sold each year and the number of homes still for sale at the end of the year.
  6. Demographics. On this chart, the red line shows the number of people aged 25 to 34, the age when many people start buying homes. The blue line shows the number of people aged 60-69, the age when many people start selling their homes and moving to smaller apartments or condominiums.

Before analyzing the data in the charts, please read the longer descriptions, which accompany the charts. Now, click here to review the charts.

First let's answer some factual questions.

  1. Look at the home ownership chart. How has the percentage of people who own their homes changed since 1970?
  2. What was the dollar increase in median household income from 1975 to 1997? What was the percentage increase?
  3. Find the percentage increase for new-home prices from 1975 to 1997. How does this percentage increase compare with the percentage increase in median income?
  4. Compare interest rates in 1982 with interest rates in 1997. Which year's rate is higher?
  5. New-home prices hit a record high of $146,000 in 1997. Despite this, why was it easier for many people to buy a new home?
  6. Explain what the "affordability index" is. What does an index number of 100 represent?

Now let's analyze the data and see what conclusions we can draw.

  1. How does median income affect home sales? Home prices?
  2. Explain the relationship between interest rates and:
    A. The affordability index.
    B. The prices of new homes.
    C. New homes sold.
  3. Why do interest rates have this effect on home sales?
  4. How do recessions affect home sales? Why?
  5. Why did both the number of new homes sold and the prices of new homes sold rise in 1996 and 1997?
  6. Compare the number of 25-34-year-olds with the number of 60-69-year-olds in 1989. How will this ratio change in the 2020s? How do you think these changing ratios will affect the housing market?

Now it's time to shop for a mortgage. There are three keys to reducing mortgage costs. First, the larger the down payment, the lower the principal of the loan. If you borrow less, you will pay less interest, which is the cost of the loan. Second, the lower the annual interest rate, the less interest you will pay. The annual interest rate is the percentage of the loan (principal) that you pay in interest each year. Your total payment minus the principal equals the total dollar amount of interest you will pay for the loan. Finally, the faster you pay off the loan, the less interest you will pay.

Let's analyze four different mortgages with different down payments,annual interest rates, and time periods. All of the home buyers are buying a $125,000 house.

  1. Kyle and Amber Campbell pay 20 percent down and take out a $100,000 mortgage. It is a 30-year fixed-rate mortgage with an annual interest rate of seven percent.
  2. James and Linda Snyder qualify for a special down payment of only five percent. They take out a $118,850 mortgage. It is a 30-year fixed-rate mortgage with an annual interest rate of seven percent.
  3. Benny and Silvia Ramirez qualify for a special program that lowers their fixed annual interest rate to six percent. They make a 20 percent down payment and borrow $100,000 for 30 years.
  4. Jill Baldwin knows that paying off a mortgage more quickly will save her money. She makes a down payment of 20 percent and borrows $100,000 at a fixed rate of 6.5 percent. Because she will pay off the mortgage in 15 years, her annual interest rate is lower than she would have paid for a 30-year mortgage.

These four mortgages are compared in the chart below. Notice that the monthly payment and total payment (principal plus interest) are blank.

You will fill these in, using the mortgage calculator.


Mortgage 1

Mortgage 2

Mortgage 3

Mortgage 4

Home price





Percentage down





Total down payment





Initial principal





Annual interest rate






30 years

30 years

30 years

15 years

Monthly payment





Total payment





Using a mortgage calculator is easy. Just plug in the initial principle,
annual interest rate, and term (in years) for each of the four mortgages. Check monthly payment amounts and total payments. Now go to the Mortgage Calculator and fill in the rest of the chart.

Based on your chart, answer these questions.

  1. What happens to the monthly payment and total payment for a loan with a smaller down payment?
  2. What happens to the monthly payment and total payment for a loan with a lower annual interest rate?
  3. What happens to the monthly payment and total payment if the term of the mortgage is 15 years rather than 30 years?
  4. What is the trade-off if you get a 15-year mortgage rather than a 30-year mortgage?
  5. How can you reduce your cost of buying a home?

Your Housing IQ:

Test your housing IQ using the following interactive activity.

Check your Home-buyer IQ Score:

9 - 10

Home-buying genius


Very smart home buyer


Home maintenance needed


Have you considered renting?


Live in your car

Bonus Notebook Idea for Secondary Teachers!

Back to Table of Contents

Post Secondary

ZOHO Notebook is new and innovative.  Say those words to college students and they are using it!  Technology is a second language to today's students and the fact that you can integrate your school work with media is a very attractive method.  Do your homework and chat. Collaborate on team projects! ZOHO Notebook is just what any college student would want to work with! 



"Literary Analysis of Short Stories"

Adapted by Amanda Martin using:

ENG 106 Reading List at Purdue University
Fall 2008


Students will create an analysis notebook using the ZOHO Notebook application of the given short stories then critique each other for initial draft then change any suggestions made and submit final to instructor.


When given a list of short stories, students willwrite analysis of each on the pages of a "notebook" in ZOHO Notebook application, with 100% accuracy. Then when given another student's notebook, the student will suggest changes that need to be made.  Upon sharing suggestions student will make changes accordingly and submit final to the instructor.


Short stories provided:

"Still-Life" by Don DeLillo
"A Rose for Emily" by William Faulkner
"The Story of an Hour" by Kate Chopin
"The Yellow Wallpaper" by Charlotte Perkins Gilman
"The Lottery" by Shirley Jackson
"The Ones Who Walk Away from Omelas" by Ursula Le Guin
"An Occurrence at Owl Creek Bridge" by Ambrose Bierce
"The Swimmer" by John Cheever
"What We Talk About When We Talk About Love" by
Raymond Carver

Access to ZOHO Notebook


  • Students will read one story a week.
  • Discuss and analyze it in class.
  • Enter analysis of each story into ZOHO NotebookAnalysis must include: Title, Author, Brief overview of story, what worked in the story, what didn't work in the story, and how could it be improved.  The pages must include attractive and unique information about the story, author, and any other information relevant to it. Each story will be its own notebook page in ZOHO Notebook.  Once compiled students will submit it to the teacher for evaluation.


Students will have to have a completed ZOHO Notebook sectionfor each story.  They will be evaluated on content and organization of their project.

Print This Lesson

Analysis.doc Analysis.pdf




"Eating For Your Future"

Adapted by Danielle Stiner from:


Students will become familiar with the latest dietary guidelines from the United StatesDepartment of Agriculture (USDA) and find recipes that will meet the dietary guidlines. Then they will create aZOHO Notebook filled with all of the recipes.


Whan given a movie, Internet access, and cookbook resoures, students will create a ZOHO Notebook filled with a varity of recipes that follow the USDA's dietay guidlines.


  •  Eating for Your Future (video)
  • Computer with Internet access
  • Cookbooks or cooking magazines


  • Create a ZOHO Notebook and allow all of students access to collaborate on the page.
  • Have students watch the video and allow them time to research the UDSA guidelines.
  • Then have the students find recipes that follow the guidelines and then post them on the ZOHO Notebook page.
  • Each student must contribute three recipies for breakfast, lunch, and dinner. (make sure that no one has duplicaterecipes so there is a wide variety)


Each student must contribute three different recipes that follow the USDA dietary guidelines.

Print This Lesson

Eating.doc Eating.pdf




"Scavenger Hunt"

Adapted by Morgan Henderson from:


Students will take pictures of geometric shapes around campus. Then put them on ZOHO Notebook and write a description about each shape.


When given ZOHO Notebook application, students will upload geometric pictures and make mini journals on each,with 100% accuracy.


  • Computer with Internet access.
  • Digital camera


  • Students will walk around campus and take pictures of geometric shapes.
  • Put all the pictures on a page on ZOHO Notebook.
  • Write a short description of each geometric shape.


Students will have to complete a ZOHO Notebook page containing ten geometric shape witha short description to go along with each picture.

Print This Lesson

ScavengerHunt.doc ScavengerHunt.pdf

Bonus Notebook Idea for Post Secondary Teachers!

Back to Table of Contents


VIII. What can  ZOHO Notebook be used for outside an educational setting?

ZOHO Notebook has been used in many ways.  Some integrate their stock portfolios by adding ZOHO sheet to the pages of the notebook.  It could be a great way to collect recipes and share them with friends and family.  The sky's the limit. There are an infinite number of posibilites to using this application outside the educational setting.   


ZOHO Notebook can also be used in the business world for a few key purposes, listed below by an actual person who  has used the application. 

"Inventory management, purchase orders, and tracking all leads and customer interactions."#16 

Dean Denton, ZOHO's one millionth user, said that "functionality, cost and time to implement the ZOHO online business application were key criteria."#16 

This was very crucial to his small business because running his small company, he did not have alot of time to put software on to his computer to organize and construct his business, this product was very efficient and easy to use for Denton.  

It was also stated by the Yankee Group, The 451 Group, and CIO that " productivity applications such as word processing, spreadsheet, and presentation programs as well as business-specific applications for CRM, invoicing, human resource management, and other business services, were available in a wide array."#16 

ZOHO Notebook even recieved the awards for the "2008 PC World 25 Most Innovative Products award and Best Enterprise Start-up at the 2007 Crunchies."#16

 1) General Business


"General Meeting"

Created by Amanda Martin


Someone will take notesand create pages in ZOHO Notebookaccording to the particular topics to be discussed in the meeting. The notebook is then shared with the workers at the meeting and each person can add notes and keep track of what is said in the meeting.  Later they can refer back to it and share the pages and notes with the workers whenever they choose.


Workers, when working with ZOHO Notebookapplication during a meeting, workers will be able to compile information and keep track of each topic at a meeting, and be able to look back and addand share information.


ZOHO Notebook and a Meeting


  • A preplanned notebook in ZOHO Notebook is shared
  • On each page of the shared notebook have them titled with separate topics
  • Workers will type notes and ideas on each page
  • After meeting workers can recall and share ideas

Print Plan

Meeting.doc Meeting.pdf

 2) Budgets and Marketing


"Economics and Business"

Adapted by Mitchell Beerbower from:

Lesson Overview

Business Professionals can use ZOHO Notebook to record the budgeting,marketing, or spending concepts that their own business and or partnership businesses have used that are effective.


A recorder or secretary will be responsible for attending meetings or contactingother businesses discussing these budgeting, marketing, and spending conceptsand then record/transfer these concepts into a ZOHO Notebook document.


  • Internet access         
  • ZOHO Notebook         
  • Video conferencing equipment        
  • Telephone          
  • Conference room


  • Set up a meeting within own company or corporate partner         
  • Record, discuss, analyze different budgeting, marketing, and spending concepts that have been effective and not effective for the company
  • Save and Store these concepts in a folder/file cabinet for business uses 
  • Change or revise these concepts of business in case a certain strategy is not working well or a new and improved concept was discovered

Print this Plan

EconomicsandBusiness.doc  EconomicsandBusiness.pdf

 3) Finance/ Investing


"Stock portfolio"

Created by Amanda Martin


For those in the financial sector that need to keep their clients up to speed on their stock productivity, using ZOHO Notebook is a great way to stay organized and share information with their clients, and their clients can send back the notebook pages with comments.


When using ZOHO Notebook, financial advisors can keep track of clients' information and share that information back and forth.


ZOHO Notebook, and clients


  •  Set up ZOHO Notebook pages
  • One for stocks
  • One for gains
  • One for losses
  • One for future plans
  • Share and edit with the clients accordingly

Print Plan

Portfolio.doc Portfolio.pdf

Bonus Plan for Business and Industry!

Back to Table of Contents

Plans for Everyday

Fantasy Sports:

If you are a huge sports fan, you can use ZOHO Notebook to compile all of the sports news you can use.  All in one place, for example, you can put: ESPN's MLB homepage, MLB Scores of the day, Season Statistics and ESPN's Fantasy Baseball homepage. You avoid having to go to five different Web pages to get the same information and, since you imbed the Web pages into your ZOHO notebook, whenever the websites update, yours do too. Now, all you have to do is log in to ZOHO and pull up your notebook and you have the most current information from five different sites, all in one place. That is a time-saver.  Also, you can add mementos such as videos of your favorite team, your favorite highlights, statistics of your favorite players and much more. Then, your ZOHO notebook can be your own, personalized Baseball central.  Use it for all of your fantasy sports teams.

Click here to view a Fantasy Sports Notebook (courtesy of Ty Jepson):

 Living Cookbook:

Zoho Notebook is a great way to create an online "living cookbook".  You can share recipes with family and friends.  You can add pictures of what the dishes look like.  You can add videos showing how to make the dishes.  For instance if your recipe calls for beating the eggs to "stiff peaks" you can just click on the add video and show how to do it!  You can add fun family photos.  The best part is you can keep adding and sharing your dishes with anyone you please! Now instead of sharing Grandma's famous pie crust recipe you can just show and tell on the living pages of the Cookbook. 

Click here to view a Living Cookbook (courtesy of Amanda Martin):


ZOHO Notebook offers you the opportunity to add spreadsheet budgets to each page of a created notebook. You can log household expenses, you can log medical bills, and you can keep track of savings.  Expenses for each member of the household could be tracked.  Grocery lists, daily, weekly, and monthly planners can be added as well; the sky's limit. 

Family and Consumer Science

 Family and Consumer Science Classes offer students education in life lessons.  By using Zoho Notebook, a student will be able to carry his or her studies for a life time all in this program.

Back to Table of Contents


IX. How can ZOHO Notebook allow educators to collaborate internationally?

The nature of this application allows users to collaborate from any place.  If anyone wants to share lessons and receive input on a desired subject, he or she could send the pages needed help on to a colleague and they can add their own insight to the pages of the notebook.  You can share whatever you want; just one page or sections of the notebook can be collaborated on.  That is the true nature of the ZOHO Notebook application.  Sharing ideas abroad could be a great way for teachers to share ideas and to connect students to multicultural aspects of learning. 

"collaboration is indeed one of the most compelling aspects of ZOHO Notebook. Users can choose to share an entire notebook, a single page or even a specific piece of content on a page."#17

   These gentleman from Australia have a few things to say about using ZOHO Notebook in their part of the world!

John Opacak

"The main use that I have found for ZOHO Notebook is its capabilty to share ideas with other people. It is easy to put ones idea onto ZOHO Notebook via a large number of sources, be they text, visual or even graphics. This can then be shared with other people and as a result you can bounce ideas of one another, especially when it comes to things like assignments and projects where more than one person is involved. Another way in which I found ZOHO Notebook usefull is that it's vast capability to input information, thus making the process of gathering ideas and puting them in one place where they make sense very easy and rather user friendly." 

 He goes on to say:

"ZOHO Notebook could be a very useful tool for use in both the school and business environments. A large number of schools in Australia have products from microsoft office installed on their computers, one of which being One Note. Because ZOHO Notebook is very similar to Microsoft One Note it would be easy for schools to transfer over, with little tutoring required on how to opporate ZOHO Notebook. The best part of this would be that ZOHO Notebook is free and has a sharing abilty that would make a teacher's information on a topic more accessible to students who wish to use it. The same would apply for the coporate world outside of school, where businesses could use this application to share ideas that might have been brought out in a meeting. Not only could the students use ZOHO Notebook but it would be an invaluable tool for teachers to gather ideas for lessons and share them with other teachers."


 Thomas Paterson

"Looking on the Internet I discovered that here in Australia Zoho Notebook is not very popular in the education systems as there are already applications such as Microsoft's OneNote which can come pre installed with office 2007 and Google Notebook which has more users. The only place I found in Australia that was trying to push Zoho Notebook was the Victorian library education section. As it has a few better features. The great thing about these applications is that you may get advice and contact people from around the world."

Back to Table of Contents


 Team 36 ZOHO Notebook


 (Top Row from left to right: Ty Jepson, Mitch Beerbower, Alex Staudinger)

(Bottom Row from left to right: Morgan Henderson, Danielle Stiner, Keithia Hayden, Amanda Martin)

 The creators of this Wiki would like to give a special thanks to the following people:

-Aravind Natarajan for your time and many emails from ZOHO headquarters, and getting us great merchandise to share!

-Sarah Freemeyer for your motivation and proofreading!

-Kevin O'Shea for your master skills in the art of all things wiki!

-Our International Partners from Australia John Opacak and Thomas Paterson for collaborating with us!

-Last but not least Dr.Newby for getting us motivated to learn how to integrate meaningful technology into an educational setting!

X. Sources/References:

1.          Sridhar Vembu: Silicon Valley's Unknown Indian, Entrepreneur Journeys January 22, 2008. Retrieved from: ,

2.          Retrieved from:

3. login page

4.          Zoho notebook sign in page

5.          From "How to Simplify Your Stock Research" By Mike Hogan, Barron'sAugust 25, 2008, Wall Street Journal Digital Network. Retrieved from:â??

6.          Zoho Home page:

7.          Zoho Writer:

  8.         From "How to Simplify Your Stock Research" By Mike Hogan, Barron'sAugust 25, 2008, Wall Street Journal Digital Network:

  9.         From "Zoho Notebook - ROAR!" By Chris Harris, School Library Journal, May 23, 2007:

10.         From "Capture Web Data With Zoho Notebook" By M.S. Yokum, Online Tech Tips, December 18, 2008.  Retrieved from:

11.         Stiso, Michael.   "Google vs. Zoho Notebook."  By UX Magazine Publications, 28 March 2008.  Retrieved from:

12.         McCracken, Harry. "Review of AdventNet Zoho Notebook." 18 July 2007. Retreived from:

13.         Zoho. Zoho FAQ. March 31, 2009. Retreived from: parameters


15.         Harris, Jason. "Zoho Offers Save Haven for Google Notebook Users."  22 January 2009.  Retrieved from:

16.         Business Wire (2008, August 6).  Zoho Welcomes Prestige Home Automation as One Millionth User: Success of Online Business Apps Positions Company as IT Department for SMBs.  Retrieved from:

17.        David Chartier. "Zoho Notebook Demoed." 31 Jan 2007.  Retrieved from:


 All videos courtesy of Amanda Martin using Jing.  and

All screen shots courtesy of Amanda Martin using SnagIt.

Back to Table of Contents


Brochure/Business Card





  1. Let me know if you have any problems Team 36.  Please post and post often so I know you are on track.  Make sure you get familiar with our application!  I am your Project Manager and our Application is Zoho Notebook09.  Like I said in the email I am a Mommy to three little boys and I am a sophomore here at Purdue.  I am an English Education major and I love playing NES with my kids and chasing them around the yard.  I am pretty laid back, please don't make me be a pushy manager.   I apologize sincerely for any confusion! This project keeps changing and I will try and keep you posted.  Team Purdue...just work on Workout 6 and post a little about yourself here on this page.  We'll discuss problems and the research in lab!  Team Australia please post a little about yourselves and be thinking of times when we can conference.



  2. Unknown User (mbeerbow)

    OK, My name is Mitchell Beerbower and I am from Auburn, Indiana and that is located in Northeastern Indiana just North of Ft.Wayne.  I'm a Freshmen here at Purdue University and I am going into Social Studies Education.  I eventually would like to become a school administrator and possibly become an Athletic Director in high school or Principal in of any level of schooling.  In my spare time I enjoy to play sports, hang out with friends, and be outdoors.  I am going to try my best to make sure this project goes smoothly because I have no intention of taking a final exam on a Saturday!

    1. Mitch you found the place to do it!  this is where you need to discuss yourself.  The Research for Zoho Notebook is where you put your three posts about the research you find.  It is the little page underneath Children which means page...eventually we will have one wiki page from what I understand.  I am sorry this is all confusing.  Thank you for posting.  That is all I wanted so I knew you could get on.  Wait for lab it'll be more clear I promise!

  3. Unknown User (astaudin)

    Hi everyone! My name is Alex Staudinger. I am originally from Racine, Wisconsin. When I was eleven years old, my dad was offered a new job in Auburn, IN, so the whole family packed up and moved to Fort Wayne. I went to Bishop Dwenger High School, where I ran cross country and track. I want to be an english teacher and a writer. I'm currently a sophomore, and am enjoying the college experience. I hope that the project goes smoothly and succesfuly so no one has to stay here untill the last Saturday. I look foreward to working with you all, see you on friday!

  4. Unknown User (mphender)

      Welcome Team Australia!! (big grin)
    Hey! My name is Morgan Henderson. I am from Dayton, IN. It is a small town right outside of Lafayette, IN. I am a freshman here at Purdue in the College of Education, majoring in Elementary Education. I work at WBAA Radio Station here at Purdue. I am also a car attendant (waitress) at Dog N Suds in Lafayette, which is a fast food restaurant. I hope Project 2 goes smoothly so we don't have to take the final.
  5. Unknown User (tjepson)

    Hi, my name is Ty Jepson.  I am from Palatine, Illinois, a suburb of Chicago.  I went to Fremd High School and I did a little bit of everything: National Honor Society, Varsity Service Club, Football (All-Conference Honors), Band (All-District Honors; Most Improved Award), Track and Field, and Boy Scouts.  In College, I am majoring in English Education and Minoring in Spanish and want to teach High School.  Besides school, I am an Executive Reporter on the City Desk for the Purdue Exponent Newspaper and I cover Politics and local news.  In my free time I like to play the guitar.  We have a fantastic group assembled for Project 2 and I know it will turn out very well.  Good Luck!

  6. Unknown User (haydenk)

    Hello everyone! My name is Keithia Hayden. I am from Hammond, In which is stateline of the Northwest Indiana and Illinois. I am  majoring in elementary education. This is my first semester as Boilermaker I originally transferred from Tennessee State University. I am a friendly lovable person and I look forward to meeting and knowing all of you!

  7. Unknown User (dstiner)

    Hello, my name is Danielle Stiner and I am a freshman in the college of Consumer and Family Science Education. I live in Greentown, Indiana, which is a small town just outside of Kokomo. I went to Eastern High School and was involved with cross-country, track, National Honors Society, orchestra, and our school's musicals. I love my family and love spending as much time with them as I can. Good Luck to everyone during their research!

  8. Unknown User (mbeerbow)

    The link below is good for looking how to cite your sources where you are getting your info from...

  9. Good to see that everyone is starting the research fyi done by Tuesday!  Don't wait til the last minute!!  Your six points!  Also look at last years group and click on seesmic Dr. Newby likes to use that one as an example and their team did a pretty straight forward wiki.  Try and be as creative as you can when coming up with ideas to use Zoho Notebook.  Thanks so much for all of your hard work so far.  Thank you for being so patient with me being sick in class on Friday.  Start on your Wiki pages collaborate with the others who signed up for each section with you. I will be sending an email and posting on her the jobs thanks so much for the help with the sign up sheet! 

  10. Hey Team 36!

    Sorry I was hard to understand and out of it in lab!  I am on the mend thanks to antibiotics a little r & r.  Now to the task at hand.  Focus on posting your research you have found.  If you have found something regarding each section of the wiki go ahead and put it in the right section.  If you are unsure where it needs to go just put it in the bottom page labeled "Research for Zoho Notebook".  I just wanted to make it easy for everyone to post and didn't want to limit you on what your initial research should be about.  Now after you do your research assignment...3 posts to get your 6 individual points(Team Purdue).  On to the main task at hand what part of the wiki are you responsible for or rather your primary and secondary roles as Sarah our lab TA called them. 


    Head Writer: Ty you are to make sure everyone's sections are cohesive and have fluid sentence structure that is free of grammar and spelling errors. Basically make us sound educated and inventive!

    Head Researcher: Alex you are to make sure everyone's research is posted and cited correctly, and you are to sort the information on the research page into relevant items we can use for the wiki sections.

    Head Editor: Mitch you are the polisher! You are the one that will over see the final draft of our wiki and help make each section look as good as the next .  Finishing design touches like making sure pictures, charts and quotes are cohesive and correctly cited...etc...

    Head Developer: Amanda, I am the one that will be putting your final drafts to the first and last wiki page.  Technology and the old lady sometimes don't mix so I might be asking for help from time to time.

    Head Presenter: Danielle and Keithia you two are the ones responsible for the ppt presentation we will be giving separate from our booth at our conference.  You will need to make a presentation that explains how to use our application and what ways could the application be used by an educator. 

    Head IP Team Purdue: Morgan you are in charge of keeping the IP's up to speed and motivated!  Email contact and see that they understand their part of the wiki and help them get it completed.

    Head IP Team Australia: John you are the coordinator for your fellow students at home.  Please get them going with your part of the wiki.  (research and letter h. on the wiki) Any questions ask Morgan or myself.

    Now the secondary roles these are the things you signed up for in class.  you are responsible for this particular section of the wiki and project.

    Sections of the wiki:
    a. what is the title of the application and who developed it?

    b. What is the purpose of the application(what it does)?

    c. How does it work? What do you have to do to start using it?

    d. How is it related to other applications? Can it be used in conjunction with others?

    e. What are some unique ways of using the application?

    f.Lesson plans


    post secondary:


    g. Research: what are some examples of it being used to illustrate its current educational value or potential value? (just make a compilation of our research posts)

    h. How is Zoho Notebook being used in Australia? Are there unique features of the application that may be more relevant to those outside of the U.S.?

    The Conference:

    Brochures/Handouts:(I would like everyone's input on this)

    Display:(I would like everyone's input on this)

    Again...I can't stress this enough use the application I'll go "jedi" here and say be "one with it"!  After the research write your section of the wiki.  If you are sharing a section please talk to each other before posting.

    I promise I'll be able to talk on Friday! Our mantra for the next five weeks...Superior Rating....No Final....

  11. Unknown User (haydenk)

    Hey sorry if I'm late but I need some assistance with the lesson planning for elementary.  Any ideas or advice?

    1. Keithia,

      Bring an electronic copy of your workout one and then we'll discuss in lab how she wants our lessons to be posted!

  12. Yes we have primary editors but I need us all to be watchful of any thing that is spelled wrong or any information that is missing!

    Questions and comments email me!

    Thanks so much for all of your hard work!


  13. Unknown User (kjgraves)

    WOW!  What a wonderful tool for student's to keep all of their work together, teachers to be able to communicate assignments and a mini portfolio of any educational class on a student's agenda!  Wordprocessing, pictures, videos, etc. all for one class and no notebook to carry around!  (tongue)