Hey, my name is Ryan and I am creating Investant Academy.

When I was in school, the teachers I appreciated the most were the ones who engaged with me at an individual level. It was rewarding and unexpected when a teacher clearly put thought and effort into what I needed, what Ryan needed. Today I look back and think about the extra blood, sweat, and tears that goes into understanding every individual student's strengths and weaknesses and addressing them personally.

If we look at a handful of students who might be underperforming in Spanish class, "John" might be having issues with past tense verbs while "Julia" struggles with the future tense. "Sarah" might lack a wide vocabulary while "Eric" has trouble with spelling. When it comes time for review before an exam, a teacher might be able to create personalized plans for each of these students, but how does that scale across 5 or 6 full classrooms with multiple grade levels and parts of the curriculum? Most teachers want to do this, but can't. It's not that they don't care but that there simply aren't enough hours in the day.

My vision is to deliver teachers a modern solution for their curriculum and classroom management. From creating lessons, quizzes, and assignments to delivering this curriculum to students to receiving automated analytics about student and class performance, Investant Academy will help every step of the way.

### Giving Teachers Superpowers

I aim to give superpowers to all teachers, from content creation for lessons and assignments to understanding individual student needs and being able to address them in real time. Our lesson module creation tool allows teachers to create both lessons and quiz assessments in a familiar slide-based editor. I will be adding AI auto-generation to this tool to save time by automatically creating lesson and quiz slides. In addition, completed lesson modules will be able to be made public for any other teacher on Investant to browse a library of high quality content.

Investant Academy will provide multiple ways to deliver this content, including:

1) A sleek presentation tool that acts as an interactive slideshow allowing question slides to be weaved into content slides during a live-classroom setting
2) Directly assign content to students who can join the online classroom and complete their assignments
3) Create a Live Quiz where students in class can join and compete to answer questions in real time
4) Send your content to Investant Island, our custom game where we inject your questions seamlessly into the game while students play

As students answer questions and complete your content, you can see how they are doing in real time. We capture student responses and provide automated analytics to teachers about the performance of individual students, classrooms, and the performance of the curriculum itself! I will also be adding support for free response question types with the ability to have AI auto-grade student responses and send it to their teacher for review.

Students have their own dashboard where they can see their progress, upcoming assignments, and engage with the content their teacher has prepared for them.

### Why Investant Academy?

I watched my favorite teachers stay up late grading papers, and I watched them light up when they actually got to *teach*. I remember my teacher calling me out of class one day to hand me a website written down on a piece of paper because he and I had connected about philosophy and he wanted to share more with me. To feel seen and cared for at an individual level by your teacher like that is an extraordinary moment. That's what I'm building towards.

With an online platform like Investant, we can build a network of teachers who can contribute to a public library of high quality class content. Through Investant Academy, we can deliver automated tools at scale to any teacher who wants to do more for their students and reclaim time outside of the classroom.

### Doing What's Right

If I can give teachers back even a few hours a week to actually *teach* instead of drowning in admin work, that's worth it.

Learn more [About Us](https://investant.net/about-us) and feel free to reach out anytime by submitting our [Contact Us](https://investant.net/?modal=contact-us) form or email me directly at ryan@investant.net.

Hey, my name is Ryan and I am creating Investant Academy.

Investant Academy

One of the most important financial decisions you will make in your life is the purchase of a home. Should you keep renting and invest your additional cash? Should you buy a property now to beat inflation and home prices in the future? What are some of the decision factors - financial and lifestyle - that you should consider before purchasing a home? We’ve developed the [Investant Rent or Buy Tool](https://investant.net/tools?block=RentOrBuy) to help answer some of these questions!

#### Rent or Buy Methodology

From a financial perspective, there are two main components to the decision to Rent or Buy: Expenses and Opportunity Costs. Using [our tool](https://investant.net/tools?block=RentOrBuy), in the graph on the right can be seen the average monthly expense by year if the home were to be purchased versus if you were to rent. This includes all of the forecasted expenses for each year over the course of the scenario, distributed across 12 months per year.

Try adjusting the mortgage term to 15 years, and entering that you will live in the home for 25 years to see how your monthly expense to live in the home completely falls away when the mortgage is paid off while renting prices continue to climb!

Directly below the graph lies more information on the cumulative costs of buying versus renting and the opportunity costs of each. If you were to rent, as an example, you will likely have additional cash on hand from smaller monthly payments and not needing to make the down payment on a mortgage loan. This additional cash can be invested and the proceeds from doing so can be seen as an opportunity cost to purchasing the home. However, buying the home will allow you to build equity through paying off the principal of the loan and through the appreciation of the home’s value. This can be seen as an opportunity cost to renting.

## How to Use the Tool

#### Decision Inputs

The first section contains the essential inputs for your analysis:

- Property Value: Enter the price of the home you're considering
- Down Payment: Input how much you plan to put down
- Living Years: Specify how long you plan to stay in the home
- Monthly Rent: Enter the comparable rental cost in your area

Growth Rates | These optional inputs help forecast future values:

- Annual Home Growth Rate: Expected appreciation of the property
- Annual Rent Growth Rate: Projected increase in rental prices
- Annual Investment Return: Expected return on invested savings

Other Expenses | These optional details help refine the tool to your situation:
For Renting:
- Monthly utilities
- Broker fees
- Rental insurance

For Buying:
- Mortgage rate and term
- HOA fees
- Property tax rate
- Maintenance costs
- Purchase and selling costs
- Homeowner's insurance
- Tax considerations
- Renovation budget

![InvestantRentOrBuyToolCoverImage.png](https://res.cloudinary.com/dnmr13rcg/image/upload/v1737402716/Investant_Rent_Or_Buy_Tool_Cover_Image_f0d8c3a0bd.png)

#### Understanding the Results

The tool provides several key insights:
- A comparison of average monthly cost based on how long you’ll live in the home
- An interactive graph showing the cost comparison over time
- Total costs for both renting and buying scenarios
- Investment returns from renting vs equity gained from buying

#### Beyond the Numbers: Lifestyle Considerations

While financial analysis is crucial, the rent or buy decision extends beyond pure economics. Home ownership can provide:
- Stability and control over your living space
- Freedom to customize and renovate without landlord approval
- A sense of community and belonging
- Pride of ownership and accomplishment
- Protection against rent increases and potential eviction

However, renting offers its own advantages:
- Flexibility to relocate for career opportunities
- Less responsibility for maintenance and repairs
- Lower upfront costs and financial commitments
- Simplified budgeting with predictable monthly expenses

Your decision should ultimately align with both your financial goals and personal values. Use our tool to understand the financial implications, but remember to consider how each choice fits into your broader life plans and aspirations.

![OriginalLogoInvestantTHIN.png](https://res.cloudinary.com/dnmr13rcg/image/upload/v1701147178/Original_Logo_Investant_THIN_1c2347d933.png)


One of the most important financial decisions you will make in your life is the purchase of a home. What factors should you consider?