However, that is not the case with ETFs.
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Stocks, Bonds, and Investing: Oh, My! - 30 views
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The good news is your costs.
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ETFs are created by companies for the specific purpose of low management costs, estimated to be around .18% of your NAV.
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But Wait! There's More.Again
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There is yet another advantage ETFs have over mutual funds
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and that is their tax benefit
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However, unlike mutual funds, ETFs do not sell stocks to pay for redemptions
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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.
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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.
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Danger, Will Robinson!
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However, be careful not to confuse
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an ETF
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ith an Indexed Mutual Fund
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Indexed Mutual Funds are mutual funds provided by a mutual fund company
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But, just like any other mutual fund, you have to pay fees
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Vanguard will charge you managerial fees to set up and manage the fund.
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The ETF's Potential Disadvantage
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they do have a potential drawback
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What it really depends upon is how much you are going to invest and how frequently you are going to invest.
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If you're only going to invest $200 a month in an ETF, the $20 commission results in an immediate 10% loss,
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Just something to think about before you jump into ETFs.
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How 1:1iPads benefit a student's education - YouTube - 53 views
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"Video exploring how a 1:1 student iPad program enhances a teacher's ability and transforms a student's role in education. "
Teaching Mindfulness - 2 views
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Shift to the Future: What Kids Say About Blogging - 6 views
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Writing becomes authentic and important because it is something that a 'real' audience is going to see!
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The cool thing about this is that family members can far more easily be involved in her learning and in providing regular feedback than they could be if her writing was only contained in the traditional paper journal.
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What an easy way to have parental involvement! This would solve some of that issue of parents not knowing what their children are doing at school or what is going on when the child gets older and more close-lipped.
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Don't we ALL benefit from somebody interacting with us and commenting on our thinking?
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Grandparents and other relatives rarely have an opportunity to observe or see what their grandchildren are doing in school. The student blogs also allows them to be a part of our classroom community.
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What a wonderful way to connect to folks who are outside the realm of the classroom but still have an interest and care about the student! :)
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Looked at this class blog. Wouldn't this be a wonderful exercise? The teacher could blog, the students could blog on personal level but also have a class blog which is a place for inspiration for writing exercises (thinking like a language arts/writing/reading teacher here) when students don't have their own inspiration/focus for creative writing. This blog would also be a great place to steal ideas! :)
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When I visit with teachers and suggest they have students create a web site or blog as an educational tool, often the teacher will tell me he/she doesn't have time to read/monitor that. However, most teachers have students complete writing assignments and turn them in for a grade - lab reports, essays, reports, etc. So, wouldn't this also be a way for students to create such assignments?
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This article shows the versatility of the 3rd grade students' blogs - one reported on planet studied, one on animal, etc. So, it wouldn't have to just be a place for creative writing/online writer's notebook!
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Common Core Reading: Difficult, Dahl, Repeat : NPR Ed : NPR - 42 views
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Ms. Wertheimer warms them up with a text-dependent question: "Are all of these native peoples nomadic?"
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"Warms them up" - That is not the descriptor I would use for that question.
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"On page 6, paragraph 2," he says, "the first sentence: 'The Haida and Tlingit of the Northwest built permanent wooden homes called longhouses.' "
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seems to engage the kids
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tiring work for the kids
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dives into the packet
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It's a way of labeling books based on the skill needed to read them.
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kids here have leveled libraries
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counterbalance to the tough stuff
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Kids will challenge themselves, when the text invites learners to challenge it. The requires provocative reading.
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seems to engage the kids
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d. Or, to
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Random Thoughts on History: Why does history keep changing? - 43 views
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Read this article about why history changes and answer the questions that are the sticky notes throughout the article.
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But, how we view something of the past is largely due to our own past and present experiences.
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What do you think the author means in the highlighted text "but how we view something of the past is largely due to our own past and present experiences"?
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Secondly, but along the same lines as the above explanation, is that the people writing history change as well
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The social changes of the 1960s and 1970s brought many women historians into what had largely been a male dominated field and introduced new perspectives and told new stories that had previously been undiscovered (unfortunately, due to lack a of male interest) or ignored (unfortunately, due to a lack of male interest).
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What new perspective could women bring to the study of history? Why would it be different then a mans perspective?
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History was once written largely only through limited primary sources; letters, journals, diaries, and newspapers, and of course, secondary sources-what others had already written. But historians not so long ago began to "think outside the box," and by using sources such as estate
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inventories, court documents, and even oral histories, these historians opened up a world of new information.
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Locating new information of course changed how we saw events of the past, and only naturally new interpretations developed...and in this way one could say history changed.
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Lastly, and related to the third, is that the availability of research sources have changed...largely through technology
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All of this makes researching much easier and much less frustrating for the historian, and it allows him or her more time to make critical decisions, and to explore avenues that would not otherwise be considered.
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Memory - Wikipedia, the free encyclopedia - 0 views
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Encoding of working memory involves the spiking of individual neurons induced by sensory input, which persists even after the sensory input disappears (Jensen and Lisman 2005; Fransen et al. 2002). Encoding of episodic memory involves persistent changes in molecular structures that alter synaptic transmission between neurons. Examples of such structural changes include long-term potentiation (LTP) or spike-timing-dependent plasticity (STDP). The persistent spiking in working memory can enhance the synaptic and cellular changes in the encoding of episodic memory (Jensen and Lisman 2005).
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Recent functional imaging studies detected working memory signals in both medial temporal lobe (MTL), a brain area strongly associated with long-term memory, and prefrontal cortex (Ranganath et al. 2005), suggesting a strong relationship between working memory and long-term memory. However, the substantially more working memory signals seen in the prefrontal lobe suggest that this area play a more important role in working memory than MTL (Suzuki 2007).
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Consolidation and reconsolidation. Short-term memory (STM) is temporary and subject to disruption, while long-term memory (LTM), once consolidated, is persistent and stable. Consolidation of STM into LTM at the molecular level presumably involves two processes: synaptic consolidation and system consolidation. The former involves a protein synthesis process in the medial temporal lobe (MTL), whereas the latter transforms the MTL-dependent memory into an MTL-independent memory over months to years (Ledoux 2007). In recent years, such traditional consolidation dogma has been re-evaluated as a result of the studies on reconsolidation. These studies showed that prevention after retrieval affects subsequent retrieval of the memory (Sara 2000). New studies have shown that post-retrieval treatment with protein synthesis inhibitors and many other compounds can lead to an amnestic state (Nadel et al. 2000b; Alberini 2005; Dudai 2006). These findings on reconsolidation fit with the behavioral evidence that retrieved memory is not a carbon copy of the initial experiences, and memories are updated during retrieval.
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Physical exercise, particularly continuous aerobic exercises such as running, cycling and swimming, has many cognitive benefits and effects on the brain. Influences on the brain include increases in neurotransmitter levels, improved oxygen and nutrient delivery, and increased neurogenesis in the hippocampus. The effects of exercise on memory have important implications for improving children's academic performance, maintaining mental abilities in old age, and the prevention and potential cure of neurological diseases.
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At the Center for Cognitive Science at Ohio State University, researchers have found that memory accuracy of adults is hurt by the fact that they know more, and have more experience than children, and tend to apply all this knowledge when learning new information. The findings appeared in the August 2004 edition of the journal Psychological Science.
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Interference can hamper memorization and retrieval. There is retroactive interference, when learning new information makes it harder to recall old information[59] and proactive interference, where prior learning disrupts recall of new information. Although interference can lead to forgetting, it is important to keep in mind that there are situations when old information can facilitate learning of new information. Knowing Latin, for instance, can help an individual learn a related language such as French – this phenomenon is known as positive transfer.[60]
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Methods to optimize memorization[edit] Memorization is a method of learning that allows an individual to recall information verbatim. Rote learning is the method most often used. Methods of memorizing things have been the subject of much discussion over the years with some writers, such as Cosmos Rossellius using visual alphabets. The spacing effect shows that an individual is more likely to remember a list of items when rehearsal is spaced over an extended period of time. In contrast to this is cramming which is intensive memorization in a short period of time. Also relevant is the Zeigarnik effect which states that people remember uncompleted or interrupted tasks better than completed ones. The so-called Method of loci uses spatial memory to memorize non-spatial information.[72]
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Technology is Too Powerful | infuselearning - 38 views
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We want to: promote educational change through empowering teachers and bringing students to the center of the learning conversation through simple, easy to use technology.
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Technology is too powerful to not allow teachers to provide unique and differentiated learning opportunities and effective questions to meet the variety of students in today’s classrooms.
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Technology is too powerful to not provide accessibility features that fill in the gaps where a different learning style or special need or other exceptionality would typically or potentially impede learning.
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Technology is too powerful to be confined to the walls of one classroom and not connect and reach a global audience and link learners across oceans and cultural differences and languages.
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Technology is too powerful to continue in a failed system of bubble sheets and a single “right” answer; our kids deserve better systems of teaching and learning.
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Technology is too powerful to not be leveraged for the benefit of our students.
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I love their vision - to promote educational change through empowering teachers and bringing students to the center of the learning conversation through simple, easy to use technology. Amen?!
iBooks Author workshop - 20 views
Diigo in Education - 108 views
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Are College Lectures Unfair? - NYTimes.com - 47 views
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Research comparing the two methods has consistently found that students over all perform better in active-learning courses than in traditional lecture courses. However, women, minorities, and low-income and first-generation students benefit more, on average, than white males from more affluent, educated families.
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research has demonstrated that we learn new material by anchoring it to knowledge we already possess
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low-stakes quiz at the start of each meeting of their introductory psychology course. Compared with students who took the same course in a more traditional format, the quizzed students attended class more often and achieved higher test scores; the intervention also reduced by 50 percent the achievement gap between more affluent and less affluent students.
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act of putting one’s own thoughts into words and communicating them to others, research has shown, is a powerful contributor to learning. Active-learning courses regularly provide opportunities for students to talk and debate with one another in a collaborative, low-pressure environment.
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The power of digital student portfolios SmartBlogs - 54 views
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Students and teachers can use digital tools to document current understandings, make revisions as thinking changes, share student products both locally and globally and celebrate successes with peers and parents. Although this practice is only one part of a balanced assessment system, there are many benefits that learners, both student and teacher, can gain for developing digital portfolios.
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Be the Change. Listen. Follow-up » Edurati Review - 42 views
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1. Be the change. Leaders of professional development seem to forget that they’re actually teaching, and that part of teaching is modeling the activity you hope to see adopted. A session devoted to equipping teachers to implement more collaborative learning that is presented via “death by PowerPoint” is an oxymoron, a term originating from a Greek word appropriately meaning “pointedly foolish.” As one teacher recently expressed it, “Why does the worst teaching often happen in sessions on how to improve teaching?” Why, indeed? Modeling is a powerful teaching technique. In addition to communicating that the suggested new approach promotes learning, demonstration taps into some of the brain’s natural learning systems: This may be because demonstration actually encourages the brain to engage. Specialized neurons known as mirror neurons make practicing “in the head” possible…When a teacher repeatedly performs a sequence of steps, her students’ mirror neurons may enable their own preliminary practice of the same steps. In other words, as a teacher demonstrates a skill, students mentally rehearse it.1
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Though we’ve been invited to lead professional development, we do not have all the answers. Professional development involves merging new research findings with current personnel—i.e., bringing ideas and people together. One way I’ve tried to do more of this recently is to ask teachers if any of them have tried something similar to a new approach I’ve explained. If any have, I invite them to share their experience. This invites elaboration, a critical cognitive process for constructing understanding. If the teacher’s experience was positive, we discuss why the approach was successful. If the teacher’s experience was frustrating, we often find together the reason for it and develop a plan for structuring it better the next time. This give-and-take values everyone, respects the experience present in the session, and allows the leader to be a colleague rather than an aloof expert.
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2. Listen. I have a tendency to get preoccupied with my preparation and forget that I’ll actually have people in the professional development session. Not just people but colleagues!
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3. Follow up. I’ve written previously about the importance of coaching and the characteristics of an effective coach. A one-time information flood is ineffective, no matter how engaging the session’s leader may be. Teachers need support as they begin to implement new ideas, methods, and approaches. Note that support, not judgement, is needed. Showing up with an evaluation form is a certain way to kill any benefit professional development might yield. Teachers are learners, and we need the time and space to try, to reflect, to try again, to get helpful feedback, and to truly master implementation. We need the opportunity to learn. Coaching provides this opportunity, along with the encouragement and feedback necessary for success.
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Ed/ITLib Digital Library → Enduring Themes and New Horizons for Educational T... - 27 views
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the enduring themes that emerge across contexts and times. These themes include the need to: negotiate educational beliefs in each situation; focus on the details of learning design; consider the importance of relevant and authentic tasks that enable learners to develop lifelong learning and earning capabilities; and accommodate shifting roles of both teachers and learners in a mutual comfort zone so that all participants benefit
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Excellent presentation that distills the edtech world to the issues of critical mass.
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Digital Domain - Computers at Home - Educational Hope vs. Teenage Reality - NYTimes.com - 32 views
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Economists are trying to measure a home computer’s educational impact on schoolchildren in low-income households.
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little or no educational benefit is found. Worse, computers seem to have further separated children in low-income households, whose test scores often decline after the machine arrives, from their more privileged counterparts.
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few children whose families obtained computers said they used the machines for homework. What they were used for — daily — was playing games.
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“Scaling the Digital Divide,” published last month, looks at the arrival of broadband service in North Carolina between 2000 and 2005 and its effect on middle school test scores during that period. Students posted significantly lower math test scores after the first broadband service provider showed up in their neighborhood, and significantly lower reading scores as well when the number of broadband providers passed four.
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The expansion of broadband service was associated with a pronounced drop in test scores for black students in both reading and math, but no effect on the math scores and little on the reading scores of other students.
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THE one area where the students from lower-income families in the immersion program closed the gap with higher-income students was the same one identified in the Romanian study: computer skills.
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How disappointing to read in the Texas study that “there was no evidence linking technology immersion with student self-directed learning or their general satisfaction with schoolwork.”
Bring it: Boys may benefit from aggressive play - TODAY Health - TODAYshow.com - 35 views
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EFF Wins New Legal Protections for Video Artists, Cell Phone Jailbreakers, and Unlocker... - 7 views
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The new rule holds that amateur creators do not violate the DMCA when they use short excerpts from DVDs in order to create new, noncommercial works for purposes of criticism or comment if they believe that circumvention is necessary to fulfill that purpose.
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"Noncommercial videos are a powerful art form online, and many use short clips from popular movies. Finally the creative people that make those videos won't have to worry that they are breaking the law in the process, even though their works are clearly fair uses. That benefits everyone — from the artists themselves to those of us who enjoy watching the amazing works they create," added McSherry.
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Teachers and Librarians: Collaborative Relationships. ERIC Digest. - 56 views
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The study concludes that test scores increase as school librarians spend more time collaborating with and providing training to teachers, providing input into curricula, and managing information technology for the school
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Collaboration is based on shared goals, a shared vision, and a climate of trust and respect
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comprehensive planning is required
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leadership, resources, risk, and control are shared;
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and the working relationship extends over a relatively long period of time
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Additional benefit
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include more effective use of both resources and teaching time,
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integration of educational technologies, and a reduced teacher/student ratio
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team planning is encouraged by the principal
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Administrators who ask how teachers are using the resources of the media center and the expertise of the library media specialist create an atmosphere where collaboration is more likely to occur
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Library media specialists are often viewed as storytellers and providers of resources
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rather
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co-teachers who share common goals
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change this
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by serving on curriculum committees, attending planning meetings, and sharing ideas for integrating the media center into the curriculum
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initiative, confidence, communication skills, leadership qualities,
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willingness to take risks.
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qualities of a library media specialist
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equire time- perhaps two to five years-
