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Oscar Tapara

Stocks, Bonds, and Investing: Oh, My! - 30 views

www.ed2go.com/...Lessons.aspx

shared by Oscar Tapara on 11 Jul 13 - No Cached
  • However, that is not the case with ETFs.
    • Oscar Tapara
      Oscar Tapara on 11 Jul 13
       
      ETFs doesn't has fees?, just 1.5 of your investment?
    • Oscar Tapara
      Oscar Tapara on 11 Jul 13
       
      No, just fro .18% NAV. So. you are trading mutual fund for very cheap
  • The good news is your costs.
  • ETFs are created by companies for the specific purpose of low management costs, estimated to be around .18% of your NAV.
  • ...18 more annotations...
  • But Wait! There's More.Again
  • There is yet another advantage ETFs have over mutual funds
  • and that is their tax benefit
  • However, unlike mutual funds, ETFs do not sell stocks to pay for redemptions
  • As people withdraw their money from a mutual fund, the mutual fund must sell securities to cover those redemptions. So, every time the mutual fund sells a stock, you have to pay capital gains tax on it.
  • This being the case, the capital gains that you must pay on an ETF are much less than that of a mutual fund because of the lack of capital gains.
  • Danger, Will Robinson!
  • However, be careful not to confuse
  • an ETF
  • ith an Indexed Mutual Fund
  • Indexed Mutual Funds are mutual funds provided by a mutual fund company
  • But, just like any other mutual fund, you have to pay fees
  • Vanguard will charge you managerial fees to set up and manage the fund.
  • The ETF's Potential Disadvantage
  • they do have a potential drawback
  • What it really depends upon is how much you are going to invest and how frequently you are going to invest.
  • If you're only going to invest $200 a month in an ETF, the $20 commission results in an immediate 10% loss,
  • Just something to think about before you jump into ETFs.
Lisa C. Hurst

Inside the School Silicon Valley Thinks Will Save Education | WIRED - 9 views

www.wired.com/altschool

shared by Lisa C. Hurst on 05 May 15 - No Cached
  • Lisa C. Hurst on 05 May 15
     
    "AUTHOR: ISSIE LAPOWSKY. ISSIE LAPOWSKY DATE OF PUBLICATION: 05.04.15. 05.04.15 TIME OF PUBLICATION: 7:00 AM. 7:00 AM INSIDE THE SCHOOL SILICON VALLEY THINKS WILL SAVE EDUCATION Click to Open Overlay Gallery Students in the youngest class at the Fort Mason AltSchool help their teacher, Jennifer Aguilar, compile a list of what they know and what they want to know about butterflies. CHRISTIE HEMM KLOK/WIRED SO YOU'RE A parent, thinking about sending your 7-year-old to this rogue startup of a school you heard about from your friend's neighbor's sister. It's prospective parent information day, and you make the trek to San Francisco's South of Market neighborhood. You walk up to the second floor of the school, file into a glass-walled conference room overlooking a classroom, and take a seat alongside dozens of other parents who, like you, feel that public schools-with their endless bubble-filled tests, 38-kid classrooms, and antiquated approach to learning-just aren't cutting it. At the same time, you're thinking: this school is kind of weird. On one side of the glass is a cheery little scene, with two teachers leading two different middle school lessons on opposite ends of the room. But on the other side is something altogether unusual: an airy and open office with vaulted ceilings, sunlight streaming onto low-slung couches, and rows of hoodie-wearing employees typing away on their computers while munching on free snacks from the kitchen. And while you can't quite be sure, you think that might be a robot on wheels roaming about. Then there's the guy who's standing at the front of the conference room, the school's founder. Dressed in the San Francisco standard issue t-shirt and jeans, he's unlike any school administrator you've ever met. But the more he talks about how this school uses technology to enhance and individualize education, the more you start to like what he has to say. And so, if you are truly fed up with the school stat
Cüneyt Birkök

International Journal of Human Sciences - 18 views

insanbilimleri.com/en

scientific journal international review

shared by Cüneyt Birkök on 19 Jan 11 - Cached
  • ©2002 Uluslararası İnsan Bilimleri Dergisi / International Journal of Human Sciences (ISSN:1303-5134) is an "Open access journal" that uses a funding model that does not charge readers or their institutions for access. From the BOAI definition of open access, users take the right of read, download, copy, distribute, print, search, or link to the full texts of these articles.
  • Cüneyt Birkök on 19 Jan 11
     
    ©2002 International Journal of Human Sciences (ISSN:1303-5134) is an "Open access journal" that uses a funding model that does not charge readers or their institutions for access. From the BOAI definition of open access, users take the right of read, download, copy, distribute, print, search, or link to the full texts of these articles. Creative Commons License # We look forward to work with scholars from all over the world and in any subject fields. All academicians (hold a Ph.D degree) are welcomed. # Refereeing pre-request is to supervise at least three (Master) or (Doctoral) thesis. # We elaborate scientific branches mentioned in the about page according to any requests from referees. # Referees are responsible to review and approve submitted works in English language and subject fields by filling out this evaluation form. # To join with editorial board, Login/Register to this journal and then submit your full academic vitae with your subject fields you are able to review to journal editor (editor@insanbilimleri.com). Please fill completely out all the information asked (such as your bio statement, languages, institution etc.) at user profile page.
  • Cüneyt Birkök on 19 Jan 11
     
    ©2002 International Journal of Human Sciences (ISSN:1303-5134) is an "Open access journal" that uses a funding model that does not charge readers or their institutions for access. From the BOAI definition of open access, users take the right of read, download, copy, distribute, print, search, or link to the full texts of these articles. Creative Commons License # We look forward to work with scholars from all over the world and in any subject fields. All academicians (hold a Ph.D degree) are welcomed. # Refereeing pre-request is to supervise at least three (Master) or (Doctoral) thesis. # We elaborate scientific branches mentioned in the about page according to any requests from referees. # Referees are responsible to review and approve submitted works in English language and subject fields by filling out this evaluation form. # To join with editorial board, Login/Register to this journal and then submit your full academic vitae with your subject fields you are able to review to journal editor (editor@insanbilimleri.com). Please fill completely out all the information asked (such as your bio statement, languages, institution etc.) at user profile page.
  • Cüneyt Birkök on 19 Jan 11
     
    ©2002 International Journal of Human Sciences (ISSN:1303-5134) is an "Open access journal" that uses a funding model that does not charge readers or their institutions for access. From the BOAI definition of open access, users take the right of read, download, copy, distribute, print, search, or link to the full texts of these articles. Creative Commons License # We look forward to work with scholars from all over the world and in any subject fields. All academicians (hold a Ph.D degree) are welcomed. # Refereeing pre-request is to supervise at least three (Master) or (Doctoral) thesis. # We elaborate scientific branches mentioned in the about page according to any requests from referees. # Referees are responsible to review and approve submitted works in English language and subject fields by filling out this evaluation form. # To join with editorial board, Login/Register to this journal and then submit your full academic vitae with your subject fields you are able to review to journal editor (editor@insanbilimleri.com). Please fill completely out all the information asked (such as your bio statement, languages, institution etc.) at user profile page.
Martin Burrett

Patronage For Teachers - 3 views

www.patreon.com/15329578

funding creating sharing blogging communication community

shared by Martin Burrett on 11 Nov 17 - No Cached
  • Martin Burrett on 11 Nov 17
     
    "Schools achieve amazing things everyday, especially when educators and students have the right resources and experience. However, with funding at chronically low levels in many education systems around the world, schools are looking for innovative ways to invest more funds into the classroom, beyond simply asking parents to make up the shortfall.  The idea of patronage for scholars and artisans by philanthropists is nothing new and has its roots in the ancient past."
Marc Patton

Funds | Fuel Up To Play 60 - 0 views

school.fueluptoplay60.com/...funds_for_futp60.php

Grants

shared by Marc Patton on 28 Jun 12 - No Cached
  • Marc Patton on 28 Jun 12
     
    Up to $4,000 per year is available to any qualifying K-12 school enrolled in Fuel Up to Play 60. The competitive, nationwide funding program can help your school jumpstart and sustain healthy nutrition and physical activity improvements.
Holly Barlaam

Genes: The Building Blocks of Life Webquest - 61 views

chalk.richmond.edu/...genes

genetics bioethics ethics science biology webquest project

shared by Holly Barlaam on 24 May 11 - No Cached
  • Holly Barlaam on 24 May 11
     
    Cool bioethics/genetics webquest/project. "In this WebQuest you will work with a team of three other students to form a consensus on how funding for genetics research should be distributed. Each member of your team will choose one of the given aspects of genetics to research. Upon finishing your research, you will discuss your findings and decide the team's stance on funding allocation. Your team will then create a persuasive presentation, arguing your consensus."
JD Pennington

Archived: 10 Fact About K-12 Education Funding - 8 views

www.ed.gov/...index.html

funding education

shared by JD Pennington on 02 Nov 09 - Cached
  • JD Pennington on 02 Nov 09
     
    This is for research on funding for education
Nigel Coutts

Educational Disadvantage - Socio-economic Status and Education Pt 2 - The Learner's Way - 9 views

thelearnersway.net/...omic-status-and-education-pt-2

education learner teaching learning equity

shared by Nigel Coutts on 29 Oct 17 - No Cached
  • Nigel Coutts on 29 Oct 17
     
    An unavoidable element of the discourse around educational disadvantage or equality is how we define and assess equality. One definition will see this as being in equality of access to education, funding for education and/or resources. Such an approach has largely been seen in government funding models however subtle variations on this theme have resulted in significant differences in resulting policies.
Gareth Jones

Looking in the Wrong Places | Edge.org - 5 views

www.edge.org/...er-looking-in-the-wrong-places

NaturalScience senseperception paradigm

shared by Gareth Jones on 19 May 18 - No Cached
  • We should be very careful in thinking about whether we’re working on the right problems. If we don’t, that ties into the problem that we don’t have experimental evidence that could move us forward. We're trying to develop theories that we use to find out which are good experiments to make, and these are the experiments that we build.   We build particle detectors and try to find dark matter; we build larger colliders in the hope of producing new particles; we shoot satellites into orbit and try to look back into the early universe, and we do that because we hope there’s something new to find there. We think there is because we have some idea from the theories that we’ve been working on that this would be something good to probe. If we are working with the wrong theories, we are making the wrong extrapolations, we have the wrong expectations, we make the wrong experiments, and then we don’t get any new data. We have no guidance to develop these theories. So, it’s a chicken and egg problem. We have to break the cycle. I don’t have a miracle cure to these problems. These are hard problems. It’s not clear what a good theory is to develop. I’m not any wiser than all the other 20,000 people in the field.
  • I’m still asking myself the same question that I asked myself ten years ago: "What is going on in my community?" I work in the foundations of physics, and I see a lot of strange things happening there. When I look at the papers that are being published, many of them seem to be produced simply because papers have to be produced. They don’t move us forward in any significant way. I get the impression that people are working on them not so much because it’s what they’re interested in but because they have to produce outcomes in a short amount of time. They sit on short-term positions and have short-term contracts, and papers must be produced.
  • The field that I mostly work in is the foundations of physics, which is, roughly speaking, composed of cosmology, the foundations of quantum mechanics, high-energy particle physics, and quantum gravity. It’s a peculiar field because there hasn’t been new data for almost four decades, since we established the Standard Model of particle physics. There has been, of course, the Higgs particle that was discovered at the LHC in 2012, and there have been some additions to the Standard Model, but there has not been a great new paradigm change, as Kuhn would have put it. We’re still using the same techniques, and we’re still working with the same theories as we did in the 1970s.
  • ...10 more annotations...
  • That makes this field of science rather peculiar and probably explains why there hasn’t been much progress. But it’s not like we don’t have any questions that need to be answered. There are a lot of questions that have been around for decades. For example, what is dark energy? What is dark matter? What are the masses of the Standard Model particles? And what’s up with the foundation of quantum mechanics? Is a theory that's fundamentally not deterministic, where we cannot predict outcomes, the last word that we have, or is there something more to it? Is there maybe another underlying structure to reality?
  • but we haven't reached the fundamental level. Maybe we will never reach it. Certainly, the theories that we have right now are not all there is. The question is, of course, if we don’t have any guidance by experiment, how do we make progress? And are we doing the right thing?
  • We’ve reached this point where we have to carefully rethink if the criteria that we’re using to select our theories are promising at all. If one looks at the history of this field in the foundations of physics, progress has usually been made by looking at questions that, at least in hindsight, were well posed, where there was an actual mathematical contradiction. For example, special relativity is incompatible with Newtonian gravity. If you try to resolve this incompatibility, you get general relativity.
  • There are various similar examples where such breakthroughs have happened because there was a real problem. There was an inconsistency and people had to resolve it. It had nothing to do with beauty. Maybe beauty was, in some cases, the personal motivation of the people to work on it. There’s certainly some truth to this, but I don’t think it’s good to turn this story around and say that if we only pay attention to this motivation that comes from ideals of beauty it will lead to progress.
  • If we are working with the wrong theories, we are making the wrong extrapolations, we have the wrong expectations, we make the wrong experiments, and then we don’t get any new data. We have no guidance to develop these theories. So, it’s a chicken and egg problem. We have to break the cycle. I don’t have a miracle cure to these problems. These are hard problems. It’s not clear what a good theory is to develop. I’m not any wiser than all the other 20,000 people in the field.
  • The way that research is funded in foundations of physics and in many other fields just puts a lot of things at a disadvantage that are not pursued anymore. Typically, everything that takes longer than three years to complete, no one will start it because they can’t afford it. They can literally not afford it.
  • Who makes the decisions about the funding? Superficially, people say that it's a funding agency, so it’s the university who get to hire people. But that puts the blame on the wrong party. In the end it’s the community itself who makes the decisions. What do the funding agencies do if they get a proposal? They send it to reviewers. And who are the reviewers? They're people from the same community. If you look at how hiring decisions are being made, there’s some committee and they are people from the same community. They have some advisory boards or something, which contains people from the same community.
  • Even if that wasn’t so, what the people in these committees would be doing is looking at easy measures for scientific success. Presently, the most popular of these measures are the number of publications and the number of citations. And maybe also whether the person has published in high-impact journals. So, these are the typical measures that are presently being used. But what do they measure? They primarily measure popularity. They indicate whether somebody’s research is well received by a lot of people in the same community. And that’s why once a research area grows beyond a certain critical mass, you have sufficiently many people who tell each other that what they’re doing is the good thing to do. They review each other’s papers and say that that’s great and it's what we should continue to do. It’s a problem in all communities that grow beyond a certain size.
  • I later came to the United States and then Canada, and that gave me the opportunity to learn a lot about quantum gravity. I also figured out that much of what goes on in quantum gravity is very detached from reality. It’s pretty much only mathematics. Yes, the mathematics is there, but I still don’t know if it’s the mathematics that describes reality.
  • That’s the very reason why we don’t normally think of gravity as a weak force. It’s the only force that is left over on long distances, and the reason for this is that it adds up. It gets stronger the more mass you pile up. More precisely, we should say that the reason we find it so hard to measure quantum gravitational effects is that we either have a particle that has very pronounced quantum properties, like, say, a single electron or something like that, but then it’s so light that we cannot measure the gravitational field. Or we have some object that is so heavy that we can measure the gravitational field, but then it doesn’t have quantum properties. Okay, so that’s the actual problem.
Linda Hoff

An Educator's Guide to RTI and Funding: Part 1 | Edmentum Blog - 4 views

blog.edmentum.com/s-guide-rti-and-funding-part-1

professional development rti funding educator guide

shared by Linda Hoff on 24 Apr 13 - No Cached
  • Linda Hoff on 24 Apr 13
     
    Great information!
Javier E

'There's Something Very Exciting Going On Here' - Jordan Weissmann - The Atlantic - 20 views

www.theatlantic.com/...262119

online learning

shared by Javier E on 11 Sep 12 - Cached
  • One effort I started in June was to announce a seed grant program to support individual faculty and small teams that wanted to try different ways of teaching their course. So the internal funding helps support students or assistants or web developers or other people to help faculty recraft all or part of their course in order to see if new approaches really help.
  • here isn't an actual fixed fund. We got about 40 applicants. Maybe 20 of those things we funded. Each one was up to $25,000. I think I'd like to continue that on a quarterly basis. And really, we're new at all this. So the scale of this effort will depend on the faculty input and the outcome of how effective we find this to be.
  • We now have the ability for individual faculty or programs on campuses to produce appealing online content with relatively low effort and distribute that wide
  • ...3 more annotations...
  • we'd like to see a number of things tried so we can have a good discussion that's informed by rational experiment and collected data. Beyond these individual experiments, one class at a time, I think it would be great to have one or two departments really try to integrate an online experience into their core curriculum so we can understand how that works, so we can provide students more options
  • Many of these first round of MOOCs were produced with a webcam by an individual instructor using a tablet PC. That's on the order of a thousand dollars worth of equipment. Maybe. Certainly, it's extremely inexpensive compared with a laptop 5 years ago. So the cost of the technology is lower. There's good software for editing video -- we're in an era where producing video is similar to word processing. And everyone is used to interacting with people online in different ways than were prevalent 10 to 15 years ago. The kind of discussion you can have online is more sophisticated. People understand social conventions for how to contribute constructively to an online discussion. Those factors really contribute to the effectiveness of a MOOC or a smaller scale online course.
  • I think we'll see an evolution of a range of different ways of using technology, and probably some expansion of the set of options that a student has. Instead of going off to college, maybe some students will live in their parents' homes or elsewhere and take a first year or two online. Or they'll spend two years in college and finish two years online as they work. There will be different, in effect, educational programs coming out of this phenomenon that offer credit, certification, job placement, and other things beyond the self learning that MOOCs provide. So I think we really are going to see a transformation in the way teaching and learning are developed and delivered
Tricia Rodriguez

Donald Clark Plan B - 39 views

donaldclarkplanb.blogspot.com/search

shared by Tricia Rodriguez on 08 Nov 11 - No Cached
  • for 20% of the world to benefit from the internet, but 100% to benefit from the new technologies, including the Web, that are available.
    • Tricia Rodriguez
      Tricia Rodriguez on 08 Nov 11
       
      Open the doors of the internet, keeping in mind that schools act as the "great equalizer" to those who do not have internet access at home. 
  • “I want all the technology companies, the Microsofts, the Apples, the Facebooks, the Googles to be involved in this project
    • Tricia Rodriguez
      Tricia Rodriguez on 08 Nov 11
       
      The funding must come from the companies who create ed technology. Large companies must be on board. 
  • who can’t see past the ‘we need more teachers argument’. They’re right but teachers are not scalable.
  • ...8 more annotations...
  • It took a politician to show the word’s educators how to communicate, teach, frame a problem, provide facts and detail, THEN a solution.
  • All children in school by 2015, with massive injection of funds by the private sector, public sector, religious institutions and not-for-profits, all given wings by technology, mobiles and the web. 
  • shouldn't we admit we got it wrong" and asks that we put it right
  • 'Let's march. Let's march for education and let's march for it together.”
    • Tricia Rodriguez
      Tricia Rodriguez on 08 Nov 11
       
      Create a united front. 
  • Education is not an end in itself, it is a means to an end
  • call for action is realistic.
  • recession
  • single fund
Roland Gesthuizen

There Are No Technology Shortcuts to Good Education « Educational Technology ... - 73 views

edutechdebate.org/...gy-shortcuts-to-good-education

technology education edutech hardware funding schools edutechdebate

shared by Roland Gesthuizen on 21 Nov 11 - No Cached
  • “At its best, the fascination with ICT as a solution distracts from the real issues. At its worst, ICT is suggested as substitute to solving the real problems, for example, ‘why bother about teachers, when ICT can be the teacher’. This perspective is lethal.”
  • some uses of computers in education can be justified, although with the ever-applicable caution that while technology can augment good schools, it hurts poor schools.
  • Though children are naturally curious, they nevertheless require ongoing guidance and encouragement to persevere in the ascent. Caring supervision from human teachers, parents, and mentors is the only known way of generating motivation for the hours of a school day
  • Roland Gesthuizen on 21 Nov 11
     
    There are no technology shortcuts to good education. For primary and secondary schools that are underperforming or limited in resources, efforts to improve education should focus almost exclusively on better teachers and stronger administrations. Information technology, if used at all, should be targeted for certain, specific uses or limited to well-funded schools whose fundamentals are not in question.
eileenanne

ilearnOhio - Your source for online learning - 37 views

ilearnohio.org

resources Online Learning

shared by eileenanne on 12 Jan 14 - No Cached
  • eileenanne on 12 Jan 14
     
    ilearnOhio is a comprehensive e-learning platform funded by the Ohio General Assembly to ensure that Ohio students have access to high-quality online courses. This statewide platform includes a searchable repository of standards-aligned educational content (courses and digital resources), an e-commerce marketplace, and a learning management system to facilitate the delivery of course content from multiple providers to various end users. ilearnOhio is administered by the Ohio Resource Center, located at the College of Education and Human Ecology at The Ohio State University, under the direction of the Ohio Board of Regents.
  • eileenanne on 12 Jan 14
     
    ilearnOhio is a comprehensive e-learning platform funded by the Ohio General Assembly to ensure that Ohio students have access to high-quality online courses. This statewide platform includes a searchable repository of standards-aligned educational content (courses and digital resources), an e-commerce marketplace, and a learning management system to facilitate the delivery of course content from multiple providers to various end users. ilearnOhio is administered by the Ohio Resource Center, located at the College of Education and Human Ecology at The Ohio State University, under the direction of the Ohio Board of Regents.
onepulledthread

Why I Cannot Support the Common Core Standards | Diane Ravitch's blog - 5 views

dianeravitch.net/...port-the-common-core-standards

commoncore ravitch race to the top

shared by onepulledthread on 24 Apr 13 - No Cached
  • onepulledthread on 24 Apr 13
     
    Useful critique that argues that the national common core standards should be voluntary, not mandatory, since they have been developed within a corporate context that required such standards as a condition of eligibility for "race to the top" funds, and that it is unclear whether these standards will have positive or negative effects on students--they just haven't been tried enough to justify them as "national" or "mandatory."
onepulledthread

The Next Gates Thing | EduShyster - 1 views

edushyster.com/?p=2391

gates edu-drones teachers public education

shared by onepulledthread on 24 Apr 13 - No Cached
  • onepulledthread on 24 Apr 13
     
     Edushyster --Provocative site worth watching. Here the site critiques Bill Gates idea about funding cameras in public school classrooms to help evaluate  and improve teacher processes.  Describes this projected $5 billion investment as "rise of the edu-drones."
Jeff Andersen

Colleges Using Athletics to Boost Profile - Athletic Business - 1 views

www.athleticbusiness.com/...thletics-to-boost-profile.html

colleges using athletics

shared by Jeff Andersen on 30 Aug 16 - No Cached
  • Jeff Andersen on 30 Aug 16
     
    For many students, the college experience includes game days watching athletes wearing the school colors take the field or court. But in today's environment of rising costs, soaring student debt and declining enrollment, college and university leaders are sometimes finding they have to explain the need for what has become an "arms race" among athletic departments. The argument might be made that much of the money that is required to keep college athletic teams going comes from ticket sales and outside sources such as alumni contributions. The other side of that coin is that some of the cost is borne by students, even those with no interest in sports. In the case of private institutions, it is up to school officials to decide whether the expense is worthwhile. The public has an obvious and greater role in the determination of the role and funding of sports in state institutions.
Jeff Andersen

University Research Is a Prime Candidate for IT Investment | EdTech Magazine - 8 views

www.edtechmagazine.com/...-prime-candidate-it-investment

university research methods

shared by Jeff Andersen on 21 Jan 17 - No Cached
  • Jeff Andersen on 21 Jan 17
     
    With billions of dollars in research funding at stake, higher education institutions have several reasons to reconsider their approach to academic IT.
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