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jlowens

U.S. Teenagers Really Don't Know the Value of a Dollar, Global Test Shows - Inside Scho... - 20 views

blogs.edweek.org/...a_little_bit_of_financial.html

financial

shared by jlowens on 03 Nov 14 - No Cached
  • "Financial literacy is concerned with the way individuals understand, manage and plan their own and their households' financial affairs, and with their awareness and understanding of the overall financial and economic landscape they live in," 
  • jlowens on 03 Nov 14
     
    Financial Literacy Education
  • jlowens on 03 Nov 14
     
    Financial Literacy Education
Dave Fones

Japanese Real Estate Bubble Recoverry? - 0 views

www.doctorhousingbubble.com/g-its-way-to-the-united-states

real estate real estate bubble Japan

shared by Dave Fones on 17 Jul 12 - No Cached
  • look at economic trends
  • it is becoming more apparent that we may be entering a time when low wage jobs dominate and home prices remain sluggish for a decade moving forward.
  • looking at the Federal Reserve’s quantitative easing program, growth of lower paying jobs, baby boomers retiring, and the massive amount of excess housing inventory we start to see why Japan’s post-bubble real estate market is very likely to occur in the United States.
  • ...9 more annotations...
  • both economies had extraordinarily large real estate bubbles.
  • Massive real estate bubble (check) -Central bank bailing out banks (check) -Bailed out banks keep bad real estate loans on their books at inflated values (check) -Government taking on higher and higher levels of debt relative to GDP (check) -Employment situation stabilizes with less secure labor force (check) -Home prices remain stagnant (check)
  • the United States had never witnessed a year over year drop in nationwide home prices since the Great Depression.
  • home prices are now back to levels last seen 8 years ago.  The lost decade is now nipping at our heels but what about two lost decades like Japan?
  • the U.S. has such a large number of part-time workers and many of the new jobs being added are coming in lower paying sectors signifies that our economy is not supportive of the reasons that gave us solid home prices for many decades. 
  • young Japanese workers, some in their late 20s or early 30s, already resigned that they would never buy a home.
  • The notion that housing is always a great investment runs counter to what they saw in their lives.  Will they even want to buy as many baby boomers put their larger homes on the market
  • many of our young households here are now coming out with massive amounts of student loan debt.
  • Lower incomes, more debt, and less job security.  What this translated to in Japan was stagnant home prices for 20 full years.  We are nearing our 10 year bear market anniversary in real estate so another 10 is not impossible.  What can change this?  Higher median household incomes across the nation but at a time when gas costs $4 a gallon, grocery prices are increasing, college tuition is in a bubble, and the financial system operates with no reform and exploits the bubble of the day, it is hard to see why Americans would be pushing home prices higher.
  • Dave Fones on 17 Jul 12
     
    Explains how Japan has responded to the breaking of their real estate market bubble and the effect it has had on Japan's economy
Sasha Thackaberry

Colleges use FAFSA information to reject students and potentially lower financial aid p... - 34 views

www.insidehighered.com/...otentially-lower-financial-aid

fafsa finaid higher ed higher education funding federal financial

shared by Sasha Thackaberry on 05 Nov 13 - No Cached
  • When would-be college students apply for financial aid using the FAFSA, they are asked to list the colleges they are thinking about attending. The online version of the form asks applicants to submit up to 10 college names. The U.S. Department of Education then shares all the information on the FAFSA with all of the colleges on the list, as well as state agencies involved in awarding student aid. The form notes that the information could be used by state agencies, but there is no mention that individual colleges will use the information in admissions or financial aid -- and there is no indication that students could be punished by colleges for where they appear on the list.
  • Now, some colleges use this “FAFSA position” when considering students’ applications for admission, which may affect decisions about admission or placement on the wait list, said David Hawkins, director of public policy and research for the National Association for College Admission Counseling.
  • So the institution is disinclined to use up a precious admissions slot for a student who is unlikely to enroll.  “The student has no idea that this information is being used in this context,” Hawkins said. The federal government "doesn’t indicate it. Institutions certainly aren’t telling students they are using it. Certainly, this is a concern from this association’s standpoint.”
  • ...2 more annotations...
  • It's unclear if the Education Department was aware of this issue until contacted by Inside Higher Ed on Friday. The department now says it will review the longstanding practice of sharing the FAFSA positions with every college.
  • The use of the list on the FAFSA is just another example of how colleges are using increasingly sophisticated data mining techniques to recruit and shape their classes.
Prakash Dheeriya

Need your support for a great cause. Won't cost you a penny! - 10 views

I have a special request to make. I am applying for a small business grant that has, as one of its requirements, getting support and votes from facebook users. This grant will enable us to provide...

grants financial literacy children

started by Prakash Dheeriya on 12 Jun 12 no follow-up yet
Rafael Morales_Gamboa

Alchemy, Innovation, and Learning, in 2025 | EDUCAUSE - 12 views

er.educause.edu/...nnovation-and-learning-in-2025

education innovation future immersive personalization

shared by Rafael Morales_Gamboa on 15 Feb 17 - No Cached
  • For example, all of us can relate to how we moved, in financial record-keeping, from paper processes to our present reconceptualized approach. First, we duplicated the by-hand processes and forms into a digital format, including all the checking and rechecking by people. Only when we had convinced ourselves that a digital world was possible, that it was reliable, and that the output was valid did we rethink the process of what needed to be done and for what purpose. Only then did we redesign the approval process, for instance, to include human checking only when required by best practice under audit standards. At that point, true reconceptualization (reengineering, disruption) occurred.
  • Rafael Morales_Gamboa on 15 Feb 17
     
    "For example, all of us can relate to how we moved, in financial record-keeping, from paper processes to our present reconceptualized approach. First, we duplicated the by-hand processes and forms into a digital format, including all the checking and rechecking by people. Only when we had convinced ourselves that a digital world was possible, that it was reliable, and that the output was valid did we rethink the process of what needed to be done and for what purpose. Only then did we redesign the approval process, for instance, to include human checking only when required by best practice under audit standards. At that point, true reconceptualization (reengineering, disruption) occurred."
Wilda Rowe

Think You'll Make Big Bucks in Online Ed? Not So Fast, Experts Say - Wired Campus - The... - 1 views

chronicle.com/...30663

online higher ed

shared by Wilda Rowe on 01 Apr 11 - No Cached
  • Wilda Rowe on 01 Apr 11
     
    An interesting article on the financial facts behind online learning from the administrative point of view.
  • Wilda Rowe on 01 Apr 11
     
    An interesting article on the financial facts behind online learning from the administrative point of view.
Adrienne Michetti

Where Everybody Knows Your (Screen) Name: Online Games as "Third Places" - 52 views

jcmc.indiana.edu/...steinkuehler.html

games gaming social

shared by Adrienne Michetti on 19 Nov 09 - Cached
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      This is, I think, why I'm more keen on today's social networks than I am on games -- games do not provide deep emotional support.
  • "bowling alone" hypothesis (Putnam, 2000), which suggests that media are displacing crucial civic and social institutions
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      Putnam - need to check this article. Interesting; not sure I agree.
  • ...80 more annotations...
  • According to Putnam, time spent with relatively passive and disengaging media has come at the expense of time spent on vital community-building activities.
  • The evidence to date is mixed
  • A core problem on both sides of the debate is an underlying assumption that all Internet use is more or less equivalent
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      SO True
  • It would be more plausible and empirically rigorous, then, to consider how specific forms of Internet activity impact civic and social engagement as a result of their particular underlying social architectures
  • combining conclusions from two different lines of MMO research conducted from two different perspectives—one from a media effects approach, the other from a sociocultural perspective on cognition and learning.
  • By providing spaces for social interaction and relationships beyond the workplace and home, MMOs have the capacity to function as one form of a new "third place" for informal sociability much like the pubs, coffee shops, and other hangouts of old.
  • loosely structured by open-ended narratives
  • They are known for their peculiar combination of designed "escapist fantasy" and emergent "social realism"
  • from two research projects: one an examination of the media effects of MMOs, the other an ethnographic study of cognition and culture in such contexts.
  • the conclusions of both studies were remarkably aligned.
  • the assumption that the most fruitful advances are sometimes made when congruent findings are discovered through disparate means
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      Love this quote.
  • demonstrate the "effects" of game play vs. no game play.
  • first project was a traditional effects study
  • second project, a qualitative study of cognition and learning in MMOs (
  • ethnography
  • sociocultural perspective
  • as a way to tease out what happens in the virtual setting of the game and how the people involved consider their own activities, the activities of others, and the contexts in which those activities takes place
  • a reasonable level of generalizability (random assignment to condition in the first study) and contextualization (ethnographic description of existing in-game social networks and practices in the second)
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      but I wonder why he chose these games -- this is not specified. Only their success in US and abroad?
  • brick-and-mortar "third places" in America where individuals can gather to socialize informally beyond the workplace and home
  • the exaggerated self-consciousness of individuals.
  • In what ways might MMOs function as new third places for informal sociability?
  • virtual environments have the potential to function as new (albeit digitally mediated) third places similar to pubs, coffee shops, and other hangouts.
  • in this section we analyze the structural form of MMOs that warrants this "third place" assertion.
  • eight defining characteristics of third places
  • there is no default obligation
  • To oblige any one person to play requires that explicit agreements be entered into by parties
  • the default assumption is that no one person is compelled to participate legally, financially, or otherwise.
  • Unless one transforms the virtual world of the game into a workplace (e.g., by taking on gainful employment as a virtual currency "farmer" for example, Dibbell, 2006; Steinkuehler, 2006a) or enters into such agreement, no one person is obligated to log in
    • Adrienne Michetti
      Adrienne Michetti on 19 Nov 09
       
      and this is why, in my opinion, you will never see games in school. The game cannot be the Third Place because school is a Second Place.
  • Yee's (2006) interviews also reveal that individuals who game with romantic partners or family find that such joint engagement in the "other world" of MMOs allows them to redefine the nature and boundaries of their offline relationships, often in more equitable terms than what may be possible in day-to-day offline life
  • the relationships that play-partners have with one another offline are often "leveled" within the online world
  • an individual's rank and status in the home, workplace, or society are of no importance
  • appeal to people in part because they represent meritocracies otherwise unavailable in a world often filled with unfairness
  • conversation plays an analogous role
  • "In all such systems, linguistic interactions have been primary: users exchange messages that cement the social bonds between them, messages that reflect shared history and understandings (or misunderstandings) about the always evolving local norms for these interactions" (p. 22).
  • third places must also be easy to access
  • such that "one may go alone at almost any time of the day or evening with assurance that acquaintances will be there"
  • accessible directly from one's home, making them even more accommodating to individual schedules and preferences
  • barriers to initial access.
  • "What attracts a regular visitor to a third place is supplied not by management but by the fellow customer,"
  • "It is the regulars who give the place its character and who assure that on any given visit some of the gang will be there"
  • affective sense
  • As one informant satirically commented in an interview, "You go for the experience [points], you stay for the enlightening conversation.
  • engendering a sense of reliable mentorship and community stability.
  • Oldenburg argues that third places are characteristically homely, their d�cor defying tidiness and pretension whenever possible. MMOs do not fit this criterion in any literal sense
  • In neither of our investigations did the degree of formality exhibited by players within the game bear any relation to the degree of visual ornamentation of the players' immediate vicinity.
  • Thus, while the visual form of MMO environments does not fit Oldenburg's (1999) criterion of "low profile," the social function of those environments does.
  • Oldenburg (1999) argues that seriousness is anathema to a vibrant third place; instead, frivolity, verbal word play, and wit are essential.
  • The playful nature of MMOs is perhaps most apparent in what happens when individuals do bring gravity to the game.
  • the home-like quality of third places in rooting people
  • Participation becomes a regular part of daily life for players and, among regular gamemates such as guild members, exceptional absences (i.e., prolonged or unforeseen ones) are queried within the game or outside i
  • create an atmosphere of mutual caring that, while avoiding entangling obligations per se, creates a sense of rootedness to the extent that regularities exist, irregularities are duly noted, and, when concerning the welfare of any one regular, checked into
  • Are virtual communities really communities, or is physical proximity necessary?
  • Anderson (1991), who suggests that geographic proximity itself is neither a necessary nor sufficient condition for the emergence and preservation of "community."
  • Social capital (Coleman, 1988) works analogously to financial capital; it can be acquired and spent, but for social and personal gains rather than financial
  • operates cyclically within social networks because of their associated norms of reciprocity
  • bridging social capital is inclusive.
  • This form of social capital is marked by tentative relationships, yet what they lack in depth, they make up for in breadth.
  • On the one hand, bridging social capital provides little in the way of emotional support; on the other hand, such relationships can broaden social horizons or worldviews, providing access to information and new resources.
  • bonding social capital is exclusive.
  • social superglue.
  • it can also result in insularity.
  • shows that bridging and bonding social capital are tied to different social contexts, given the network of relationships they enable.
  • Virtual worlds appear to function best as bridging mechanisms rather than as bonding ones, although they do not entirely preclude social ties of the latter type.
  • One could argue that, if the benchmark for bonding social capital is the ability to acquire emotional, practical, or substantive support, then MMOs are not well set up for the task:
  • While deep affective relationships among players are possible, they are less likely to generate the same range of bonding benefits as real-world relationships because of players' geographic dispersion and the nature of third places themselves.
  • Despite differences in theoretical grounding and methodologies, our conclusions were remarkably similar across complementary macro- and micro-levels.
  • It is worth noting, however, that as gamers become more involved in long-term social networks such as guilds and their activities become more "hardcore" (e.g., marked by participation in large-scale collaborative problem-solving endeavors such as "raids" into difficult territories or castle sieges), the function of MMOs as "third places" begins to wane.
  • It may be, then, that the structure and function of MMOs as third places is one part of the "life cycle" for some gamers in a given title.
  • In such cases, MMOs appear to enable a different kind of sociability, one ostensibly recognizable as a "community" nonetheless.
  • However, our research findings indicate that this conclusion is uninformed. To argue that MMO game play is isolated and passive media consumption in place of informal social engagement is to ignore the nature of what participants actually do behind the computer screen
  • Perhaps it is not that contemporary media use has led to a decline in civic and social engagement, but rather that a decline in civic and social engagement has led to retribalization through contemporary media (McLuhan, 1964).
  • Such a view, however, ignores important nuances of what "community" means by pronouncing a given social group/place as either wholly "good" or "bad" without first specifying which functions the online community ought to fulfill.
  • Moreover, despite the semantics of the term, "weak" ties have been shown to be vital in communities, relationships, and opportunities.
  • is to what extent such environments shift the existing balance between bridging and bonding
  • In light of Putnam's evidence of the decline of crucial civic and social institutions, it may well be that the classification "lacking bridging social capital" best characterizes the everyday American citizen. T
  • Without bridging relationships, individuals remain sheltered from alternative viewpoints and cultures and largely ignorant of opportunities and information beyond their own closely bound social network.
  • it seems ironic that, now of all times, we would ignore one possible solution to our increasingly vexed relationship with diversity.
Roland Gesthuizen

Motivation and Engagement: Hey Managers - Get Out of the Way - 56 views

www.halogensoftware.com/...ey-managers-get-out-of-the-way

shared by Roland Gesthuizen on 12 Nov 12 - No Cached
  • Unless you’re some kind of mentalist, you’re not going to know what motivates your employees unless you ask them.
  • it’s always important to look at how your talent management practices support employee engagement.
  • Roland Gesthuizen on 12 Nov 12
     
    "The research Pink references shows that, once basic financial needs are met, autonomy, mastery and purpose - not money - are better motivators of performance. Pink points out that engagement and motivation come from a sense of self-direction - of trust, and of ownership. The message for managers here is that it's time to get out of the way."
Jeff Andersen

Overtime increase won't skip higher ed | Education Dive - 9 views

www.educationdive.com/...419431

pay and benefits higher ed

shared by Jeff Andersen on 21 May 16 - No Cached
  • Jeff Andersen on 21 May 16
     
    University groups previously decried "a time of limited and sometimes shrinking budgets for higher education," and called on the Labor Department to lower the threshold and adjust for regional and sector differences. Institutions have pushed back against the significant financial burden associated with raising salaries to meet the threshold or paying overtime for additional hours worked. Though faculty members are still exempt, the status of postdocs with light teaching loads is still in question, and many support staffers are eligible for the increase.
Stacy Olson

ORBIS - The Stanford Geospatial Network Model of the Roman World - 102 views

orbis.stanford.edu

history maps roman socialstudies secondary

shared by Stacy Olson on 20 May 12 - No Cached
  • anonymous on 20 May 12
     
    A cool interactive map of the Roman Empire. A great tool to experiment with different modes of travel, over different routes, different seasons, etc. through the Roman Empire. 
  • Stacy Olson on 16 Apr 13
     
    ORBIS: The Stanford Geospatial Network Model of the Roman World reconstructs the time cost and financial expense associated with a wide range of different types of travel in antiquity. The model is based on a simplified version of the giant network of cities, roads, rivers and sea lanes that framed movement across the Roman Empire. It broadly reflects conditions around 200 CE but also covers a few sites and roads created in late antiquity.
Marc Patton

Citi | Foundation - 0 views

www.citigroup.com/...index.htm

Grants

shared by Marc Patton on 27 Jun 12 - No Cached
  • Marc Patton on 27 Jun 12
     
    The Citi Foundation supports the economic empowerment and financial inclusion of low- to moderate-income people in communities where Citi operates.
Maureen Greenbaum

Calls from Washington for streamlined regulation and emerging models | Inside Higher Ed - 0 views

www.insidehighered.com/...regulation-and-emerging-models

higher ed higher regulation competency based innovation accreditation

shared by Maureen Greenbaum on 02 Nov 13 - No Cached
  • more of online “innovations” like competency-based education.
  • reauthorization of the Higher Education Act might shake out.
  • flow of federal financial aid to a wide range of course providers, some of which look nothing like colleges.
  • ...16 more annotations...
  • give state regulators a new option to either act as accreditors or create their own accreditation systems.
  • “States could accredit online courses, or hybrid models with elements on- and off-campus.”
  • any new money for those emerging models would likely come out of the coffers of traditional colleges.
  • cut back on red tape that prevents colleges from experimenting with ways to cut prices and boost student learning.
  • decentralized, more streamlined form of accreditation.
  • regional accreditors are doing a fairly good job. They are under enormous pressure to keep “bad actors” at bay while also encouraging experimentation. And he said accreditors usually get it right.
  • Andrew Kelly, however, likes Lee’s idea. Kelly, who is director of the American Enterprise Institute’s Center on Higher Education Reform, said it would create a credible alternative to the existing accreditation system, which the bill would leave intact.
  • eliminating bureaucracy in higher education regulation is a top priority
  • “Accreditation could also be available to specialized programs, individual courses, apprenticeships, professional credentialing and even competency-based tests,”
  • “The gateway to education reform is education oversight reform,”
  • broad, bipartisan agreement that federal aid policies have not kept pace with new approaches to higher education.
  • expansion of competency-based education. And he said the federal rules governing financial aid make it hard for colleges to go big with those programs.
  • accreditors is that they favor the status quo, in part because they are membership organizations of academics that essentially practice self-regulation.
  • “The technology has reached the point where it really can improve learning,” he said, adding that “it can lower the costs.”
  • changes to the existing accreditation system that might make it easier for competency-based and other emerging forms of online education to spread.
  • offering competency-based degrees through a process called direct assessment, which is completely de-coupled from the credit-hour standard.
Rachel Ernst

Seth's Blog: Learning from the MBA program - 0 views

sethgodin.typepad.com/...ning-from-the-mba-program.html

shared by Rachel Ernst on 05 Jun 09 - Cached
  • I taught for five to twenty hours a week, and very little of it was about the books. So, if concepts from books are easy, what’s hard?Doing it.Picking up the phone, making the plan, signing the deal. Pushing ‘publish.’ Announcing. Shipping.We spent a lot of time on this area. Every morning, each person came in prepared to push someone in the group to overcome the next hurdle. This is what growth looks like, and it was energizing to be part of.We didn’t do this at all at when I was at Stanford. We spent a lot of time reading irrelevant case studies and even more time building complex financial models. The thing is, you can now hire someone to build a complex financial model for you for $60 an hour. And a week’s worth of that is just about all the typical entrepreneur is going to need. The rest of the time, it’s about shipping, motivating, leading, connecting, envisioning and engaging. So that’s what we worked on.It amazes me that MBA students around the world aren’t up in arms. How can schools justify taking $100,000 in cash and teaching exactly the wrong stuff?
    • Rachel Ernst
      Rachel Ernst on 05 Jun 09
       
      How much of our instruction is truly relevant to students? How much engages their imagination, builds meaningful relationships and equips with skills to develop their own talents?
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