Visualizzazione post con etichetta education. Mostra tutti i post
Visualizzazione post con etichetta education. Mostra tutti i post

giovedì 20 febbraio 2014

California Students Seek Financial Aid In Record Numbers

California Students Seek Financial Aid In Record Numbers



arindambanerjee / Shutterstock.com Students in the most populous U.S. state, which has long had a reputation for taking care of its college-bound residents, are asking for assistance at record levels. After years of rising tuition and pressure on household budgets, a record number of students across California are applying for college financial aid, the Sacramento Bee reports. Over the last six school years, the number of California residents filing the federal financial aid application jumped nearly 74 percent, according to the U.S. Department of Education. Some local colleges saw even higher increases, such as an 81 percent rise among California State University, Sacramento, applicants. Itâ��s the latest sign that college families have grown akin to mall shoppers when it comes to price: fewer and fewer expect…



via Affordable Schools Online:



university school record private financial aid financial education department csu college california personal finance arindambanerjee / Shutterstock.com


Students in the most populous U.S. state, which has long had a reputation for taking care of its college-bound residents, are asking for assistance at record levels. After years of rising tuition and pressure on household budgets, a record number of students across California are applying for college financial aid, the Sacramento Bee reports.


Over the last six school years, the number of California residents filing the federal financial aid application jumped nearly 74 percent, according to the U.S. Department of Education. Some local colleges saw even higher increases, such as an 81 percent rise among California State University, Sacramento, applicants.


It’s the latest sign that college families have grown akin to mall shoppers when it comes to price: fewer and fewer expect to pay sticker price.


While tuition soared at California State University and University of California campuses during the recession, schools simultaneously provided more grants and scholarships to blunt the impact. The state also continued providing Cal Grants to cover rising costs for lower-income families.


The percentage of UC and CSU freshmen receiving financial aid increased from 57 percent in 2006-07 to 72 percent in 2011-12, according to federal data.


“California did a better job than many states in having our state financial aid programs keep pace with the tuition increases,” said Judy Heiman, who tracks financial aid at the LAO.


In order to receive the financial aid, eligible students have to file the Free Application for Federal Student Aid. The FAFSA collects data on family income and assets to help colleges determine how much aid students qualify for.


Education counselors are encouraging as many families as possible to submit the application form by the March 2 deadline not only to ensure that they can access long-standing aid programs, but also because the state has devoted $107 million toward a new “middle-class scholarship” for households earning up to $150,000.


The Cal-SOAP Consortium, one of more than a dozen organizations around the state that hold “Cash for College” workshops to provide FAFSA filing help, is offering free help to students who need it.


The FAFSA asks applicants for a host of details, including income, assets and family size. That data is used to calculate how much a family is expected to contribute out-of-pocket and passed on to campuses to determine eligibility for federal, state and campus aid. In the 2012-13 academic year, 2.65 million graduate and undergraduate students based in California filed FAFSA applications, according to the U.S. Department of Education.


Starting last year, California began offering a similar Dream Act application for undocumented students who attended California high schools. State leaders in 2011 enacted legislation giving such students access to financial aid.


Universities have expanded the eligible population by providing aid to families earning higher incomes. UC institutions provide scholarships and grants to cover tuition and fees for students whose families earn $80,000 or less.


UC Davis in 2013 created its own Aggie Grant Plan to undergraduates whose families earn from $80,000 to $120,000. Starting last school year, UC Berkeley extended financial aid to families earning up to $140,000.


In some cases, students rely on additional aid for living costs. For instance, CSU tries to use Cal Grants to cover tuition and fees where possible, leaving federal Pell Grants to help pay for housing and food.


Aid packages typically include several layers of financial help. Grants and scholarships require no repayment. Schools may ask students to find a campus job to take advantage of federal work-study funding. To bridge any further gap, students and their parents may have to take out federal or private loans.


After California voters approved tax hikes in 2012 and state coffers benefited from capital gains growth, tuition has remained flat for two school years at UC and CSU. Gov. Jerry Brown has asked the systems to keep tuition flat for a third straight year.


The percentage of California university students receiving financial aid should climb higher under the “Middle Class Scholarship” approved last year by state leaders. The plan, initiated by Assembly Speaker John A. Perez, D-Los Angeles, aids families earning up to $150,000 with children attending UC or CSU. The state is phasing in the scholarship program over the next three school years.


Given that most families qualify for some level of financial aid, high school counselors and California Student Aid Commission officials are trying to ensure families file their FAFSAs this month.


The Cal-SOAP Consortium, a program of the Sacramento County Office of Education and CSAC, is planning another half-dozen “Cash for College” workshops through Feb. 25. All told, organizations statewide hold about 800 “Cash for College” workshops. .


And individual schools are getting into the act. At Laguna Creek High, for example, prizes from tickets to the senior ball and a free yearbook are planned for filling out FAFSAs, said Alycia Sato, one of two head counselors at Laguna Creek High School in Elk Grove.


“We are really trying to get them to do it,” Sato said. “Because if they don’t, they miss out on so much.”


The post California Students Seek Financial Aid In Record Numbers appeared first on Affordable Schools Online.


university school record private financial aid financial education department csu college california personal finance


For more info: California Students Seek Financial Aid In Record Numbers


Affordable Schools Online



California Students Seek Financial Aid In Record Numbers


The post California Students Seek Financial Aid In Record Numbers appeared first on FX FOREX.






via WordPress http://ift.tt/1eXGO9U



Personal Finance, california, college, csu, department, education, financial, financial aid, private, record, school, university

sabato 15 febbraio 2014

Watch Forex Market And Its Players – Forex Market Trading


Watch Forex Market And Its Players – Forex Market Trading



via



Videos matching: the foreign exchange market:


Watch Forex Market And Its Players – Forex Market Trading



http://ift.tt/1fosx6Z


Learn who trades Forex and why. forex market trading Forex Foreign Exchange Market foreign currencies trading day trading strategies Forex Trading gold price…


video source



Watch Forex Market And Its Players – Forex Market Trading


Watch Forex Market And Its Players – Forex Market Trading


The post Watch Forex Market And Its Players – Forex Market Trading appeared first on FX FOREX.






via WordPress http://ift.tt/1dSCSHa



Forex, advanced-live, currency, education, forex, internet, learn, results, rich, robot, trading

A Love Letter to Shifting Paradigms in Higher Ed

A Love Letter to Shifting Paradigms in Higher Ed



Today is Valentine’s Day. So, in honor of the holiday, I’m going to throw out some love on and props to those things I find pretty cool on the higher ed landscape. But first, a little background. Valentine’s Day — it is believed — began in the late Fifth Century when Pope Gelasius I declared a Christian feast day in honor of St. Valentine and, at the same time, abolished the ancient Roman pagan festival of Lupercalia, which was traditionally held on February 15. Lupercalia was one of the oldest known Roman festivals. It celebrated fertility, and not much else is known about it. Although it’s been co-opted by greeting card and chocolate makers, the holiday has survived under it’s current name…



via Affordable Schools Online:



valentine school roman online lupercalia educational education council college life personal finance


Today is Valentine’s Day. So, in honor of the holiday, I’m going to throw out some love on and props to those things I find pretty cool on the higher ed landscape. But first, a little background.


Valentine’s Day — it is believed — began in the late Fifth Century when Pope Gelasius I declared a Christian feast day in honor of St. Valentine and, at the same time, abolished the ancient Roman pagan festival of Lupercalia, which was traditionally held on February 15. Lupercalia was one of the oldest known Roman festivals. It celebrated fertility, and not much else is known about it. Although it’s been co-opted by greeting card and chocolate makers, the holiday has survived under it’s current name for a millennium and half and, as Lupercania, for several hundred years before.


How is it that we, in some form, are still celebrating a holiday that pre-dates the Roman Empire? Because Valentine’s Day has evolved with us, and we have continually adapted it to be (somewhat) relevant in light of our current place in history.


To complete my tortured metaphor, that’s what higher ed needs to do to remain relevant. Over the past few years we’ve seen some signs of such evolution. And I love them.


Happy Valentine’s Day to Free Schools!

People and employers are beginning to understand that the value of higher ed is in the education, itself, not in the diploma handed out. More and more in today’s global, crowd-sourced, freelance economy, employers and clients are looking for mad skills and chops more than a fancy credential.


That’s why I love the idea of non-profits like CodeAcademy. One of several sites that will teach you to code — for free or at a nominal cost — CodeAcademy offers those so-inclined to learn what amounts to a modern trade. Students can then take what they learn, build an app or design a site, and, suddenly, they are viable candidates for paying jobs. What’s truly beautiful about this model is that coding languages are global, so anyone with an Internet connection and Google translate, anywhere in the world, could ostensibly learn this crucial, modern skill.


Another nonprofit that I’m loving — especially for its global reach — is University of the People. With no brick and mortar campus, all instruction at the tuition-free university is delivered online over the Internet. While the school offers degrees (both bachelors and associates) in computer science and business administration, the degrees are not yet accredited. But the instruction is real, and People University has some powerful educational partners including Yale Law School, New York University and the United Nations.


University of the People is at the forefront of offering world-class education to students who may not have access to higher ed in their own countries — or in places where the education matters more that the diploma. The school offers a unique perspective on what the future of education could be and represents a really sweet shift in the traditional college paradigm.


MOOCs Be Mine!

Accredited or not, massively open online courses (MOOCs) rock. They are a fantastic way to simply learn on your own by taking classes sponsored by renowned, accredited universities and taught by their faculty. I’ve enrolled for MOOCs for three semesters, now, and although I have nothing more than an unaccredited electronic certificate to show for them, they have enhanced my life.


That being said, companies like EdX and Coursera offer verified certificates — at a cost of around $50 — that they hope can one day translate into college credits. The courses offered through Coursera and other MOOC providers are not Last February, for example, the American Council on Education (ACE), which advises 1,800 schools on matters of accreditation, recommended that several MOOCs be approved for college credit at its member institutions. The problem is that ACE member schools are not bound by the Council’s recommendations. And, at this point, none of the sites through which MOOCs are offered confer degrees. So, those who enroll in the courses simply out of interest or for the educational value, are getting a tremendous bargain — the courses are free or cheap.


Even if you don’t actually get credit for MOOC courses, you can still translate them into college credits, or at least, college savings. You can use MOOCs to study for credits by exam like CLEP. Or if your school requires you to take placement tests on entry, use the MOOCs to bone up on math and language skills and avoid paying for a remedial prerequisite class.


Yep, these are the things I’m loving about higher ed today. Hope you all are able to focus on some love today, too. Happy Valentine’s Day!


The post A Love Letter to Shifting Paradigms in Higher Ed appeared first on Affordable Schools Online.


valentine school roman online lupercalia educational education council college life personal finance


For more info: A Love Letter to Shifting Paradigms in Higher Ed


Affordable Schools Online



A Love Letter to Shifting Paradigms in Higher Ed


The post A Love Letter to Shifting Paradigms in Higher Ed appeared first on FX FOREX.






via WordPress http://ift.tt/MVFU7v



Personal Finance, college life, council, education, educational, lupercalia, online, roman, school, valentine

martedì 28 gennaio 2014

Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program

Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program



Much of the more than $1 billion a year in federal taxpayer-funded work-study money is going to the children of better-off families at expensive private universities, and not their lower-income counterparts. This anomaly is due to a 50-year-old formula that those pricey universities are unlikely to willingly relinquish. Nearly one in four work-study recipients come from families with incomes of more than $80,000 a year. Fewer than half meet the federal definition of financial need. The formula â��disproportionately benefits the students who need it the least,â�� says Rory Oâ��Sullivan, research and policy director at the youth advocacy organization Young Invincibles. â��At a time of tight budgets, it doesnâ��t make sense. It should go to people who can benefit the most…



via Affordable Schools Online:



financial federal families education columbia colleges college brown personal finance


Much of the more than $1 billion a year in federal taxpayer-funded work-study money is going to the children of better-off families at expensive private universities, and not their lower-income counterparts. This anomaly is due to a 50-year-old formula that those pricey universities are unlikely to willingly relinquish.


Nearly one in four work-study recipients come from families with incomes of more than $80,000 a year. Fewer than half meet the federal definition of financial need.


The formula “disproportionately benefits the students who need it the least,” says Rory O’Sullivan, research and policy director at the youth advocacy organization Young Invincibles. “At a time of tight budgets, it doesn’t make sense. It should go to people who can benefit the most.”


Unlike other federal financial aid, the money for work-study isn’t allocated based on how many students at a university actually need it, but on how much the university got the year before, and how much it charges. That perpetuates a system under which universities that have been invested in work-study the longest, and have the highest tuition—largely, private nonprofits—are its biggest beneficiaries.


The result is that, today, nearly one in four work-study recipients comes from a family that earns more than $80,000 a year, a higher proportion than come from families that make less than $20,000, according to new figures from the U.S. Department of Education. Nearly half attend private, nonprofit universities and colleges. And fewer than half meet the federal definition of financial need.


Community colleges, large numbers of which were established after the work-study formula took root, enroll 30 percent of all students, including many who have comparatively low incomes. But they get only 16 percent of work-study money, according to the College Board [3]. Fewer than 2 percent of community college students have work-study jobs.


By comparison, private, nonprofit institutions enroll only 17 percent of all students but get 40 percent of the funding.


Institutions receiving the largest amount of federal work-study money, 2011-12Berea College

Private

$11,702,683City University of New York

Public

$10,777,663

University of Southern California

Private

$9,459,534


New York University

Private

$8,099,626


University of Pennsylvania

Private

$7,106,352


Columbia University

Private

$6,761,662


University of Michigan Ann Arbor

Public

$6,589,075


Boston University

Private

$5,524,997


Northeastern University

Private

$5,484,495


Northwestern University

Private

$5,205,581


Source: U.S. Department of Education


“Colleges that got the money from the beginning keep getting the money,” says Debbie Cochrane, research director at the Institute for College Access and Success [4]. “It doesn’t go where the low-income students go. It’s counterintuitive that we have a financial-aid program that is supposed to support students who are at precisely the schools we don’t give the money to.”


It’s not just community colleges that are losing out. Florida State University, for instance, gets less than one-fifth as much work-study money as Columbia—the most expensive higher-education institution in America, according to the Department of Education [5]—even though Florida State is five times bigger and has a much higher proportion of low-income students, research at the Community College Research Center at Teachers College, Columbia University, found. Harvard gets 22 percent more work-study money than its proportion of students who meet the standard of financial need.


The disparity comes at the same time that colleges and universities are increasingly steering their own financial aid [6] to students from wealthy families who also fall above the standard of financial need.


Several organizations, including Young Invincibles, are turning their attention to the issue of fairness in federal financial aid. The Senate Education Committee has begun holding hearings about it as part of the long process of updating guidelines for the system, which Congress is required to do periodically. Witnesses have urged the committee to make significant modifications to all financial aid.


But observers expect the universities and colleges that benefit from the work-study formula—and that also receive free and cut-rate labor through it—to lobby forcefully against any changes.


“I would be surprised if they didn’t,” O’Sullivan says. “Institutions certainly get a big benefit from having students work and having the federal government pay for it, so there’s an incentive to holding on to that money.”


Begun in 1964, work-study cost taxpayers just under $1.2 billion during the 2010-2011 academic year, the last for which the figure [7] is available. The money went to 711,588 students, who earned an average of $1,642 each by working in dining halls and libraries and at other jobs on and off campus. Some of the cost of the students’ salaries is shared with the institution; in other cases, the government covers the full amount.


The importance to many students of work-study was further underscored when the program was reduced by about $50 million under the automatic spending cuts forced on all federal departments by sequestration after Congress and the president couldn’t agree on budget reforms. Some 33,000 students lost their work-study jobs this fall.


“That was a tremendous setback for students who really need it the most,”


says Sam Dotters-Katz, president of the student government at the University of Oregon, who says he’s aware of at least one on his campus who had to transfer to a less-expensive school as a result. “Federal work-study is one of the ways that low-income students can pay for college.”


Even though the program usually pays only minimum wage, “to those 33,000 students, it was probably a lot of money,” says Michelle Asha Cooper, president of the Institute for Higher Education Policy [8].


Cooper says work-study, among other things, can improve the odds that low-income students eventually will earn degrees. That’s because it lets recipients make money without leaving the campus, and even study on the job—an advantage over the off-campus jobs held by increasing proportions of students that have been shown [9] to slow down and derail the path to graduation.


Seventy-two percent of U.S. undergraduates work at least part-time while in school, most of them off campus, and one in five work 35 hours a week or more, the U.S. Census Bureau says [10].


Those students “are more focused on working than they are on studying,” cays Cooper. “The more they work to pay for school, the less well they do. If we enhance work-study, we can do a lot to improve their academic outcomes.”


Since the work-study program was established, “the world has changed,” says J. Noah Brown, president of the Association of Community College Trustees. Tuition has skyrocketed, putting higher education beyond the reach of many low-income students.


To help, the system needs to be revamped, Brown says.


“We need to find ways that we could use these things more effectively.”


The post Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program appeared first on Affordable Schools Online.


financial federal families education columbia colleges college brown personal finance


For more info: Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program


Affordable Schools Online



Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program


The post Wealthier Kids Reap Rewards of Taxpayer-Funded Aid Program appeared first on FX FOREX.






via WordPress http://ift.tt/MbLUJ5



Personal Finance, brown, college, colleges, columbia, education, families, federal, financial

sabato 25 gennaio 2014

PLUS Loans: Parental Pitfalls?

PLUS Loans: Parental Pitfalls?



Whether PLUS loans are promoting access to college or putting parents at financial risk was the topic debated by a panel of experts on Jan. 8. The New America Foundationâ��s Education Policy Program hosted this event about the PLUS loan controversy and the subsequent impact on families and students, as described on its event description site. Invited participants were â��stakeholders from American Student Assistance, the Association of Private Sector Colleges and Universities, and UNCF as well as higher education thought leaders,â�� according to New Americaâ��s program description. The public was also encouraged to join the conversation online via Twitter by following @NewAmericaEd and using #PLUSloan. Topics included college affordability, intergenerational borrowing and what it means for student access to higher education. New America is a nonprofit, nonpartisan…



via Affordable Schools Online:



private policy parent office loans financial aid education colleges association assistance american personal finance


Whether PLUS loans are promoting access to college or putting parents at financial risk was the topic debated by a panel of experts on Jan. 8. The New America Foundation’s Education Policy Program hosted this event about the PLUS loan controversy and the subsequent impact on families and students, as described on its event description site.


Invited participants were “stakeholders from American Student Assistance, the Association of Private Sector Colleges and Universities, and UNCF as well as higher education thought leaders,” according to New America’s program description.


The public was also encouraged to join the conversation online via Twitter by following @NewAmericaEd and using #PLUSloan. Topics included college affordability, intergenerational borrowing and what it means for student access to higher education.


New America is a nonprofit, nonpartisan think tank. Parents and students may watch the almost two-hour event on this video.


PLUS loans

Direct PLUS loans are federal loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. The U.S. Department of Education (ED) is the lender. The maximum loan amount is the student’s cost of attendance (COA), determined by the school, less any other financial aid received. Tuition and fees, room and board, books and supplies, transportation and miscellaneous expenses are counted as COA, permitting annual borrowing of up to tens of thousands of dollars.


The FAFSA, first available for filing by students each January for the next school year starting in the fall, serves as the PLUS loan application.


The interest rate for Direct PLUS Loans is currently fixed at 6.4 precent. There is also a 4.288 percent loan origination fee when first disbursed on or after Dec. 1, 2013.


Usually borrowers must not have an adverse credit history but may still receive a PLUS loan under certain circumstances according to the ED’s website.


Controversial change in PLUS


In determining whether a PLUS loan applicant has an adverse credit history, ED changed how it evaluates the 90-day debt delinquency, in the fall of 2011. “Ensure parents aren’t taking loans they can’t pay back,” is one of ED’s rationales for the modification, a screen of the downloadable powerpoint presentation mentions.


A direct result of the change was a 50 percent increase in PLUS loan denial rates. Historically black colleges and universities (HBCU) and for-profit colleges were greatly impacted, another screen shows. This led to decreased enrollment, loss of revenue, delays in physical plant maintenance, furloughs, and layoffs, according to the policy brief of The Parent Trap report about Parent PLUS loans and intergenerational debt.


Students also suffered. Incoming freshmen whose parents were denied loans after they paid enrollment deposits were suddenly faced with a much steeper bill. Upperclassmen relying on prior parent approvals were immediately faced with a huge financial shortfall on their college bill.


The Parent Trap


The Parent Trap report was released in conjunction with the panel discussion. Written by New America policy analyst Rachel Fishman, it explains the history of Parent PLUS loans, recent changes and those most affected by the changes. It concludes with recommendations for Parent PLUS loans reforms such as:


Factor in “Ability to Pay” in addition to a credit check.

Cap Parent Plus loans to prevent over-borrowing and remove an incentive for schools to increase revenue by raising their COA and funding the increase via Parent PLUS.

Prohibit institutions from including Parent PLUS loans in financial aid awards.

Explore including Parent PLUS loans in Cohort Default Rate calculations to make schools accountable for repayment.

End Parent PLUS loan program and increase dependent student loan limits.

College affordability options


Students need access to college but their college dreams shouldn’t put parents at financial risk. Parents should review their finances and have a realistic repayment plan before applying for any government or private education loan because there is no retirement loan.


Here are ten college affordability options for students:


Check the school’s stats before applying (graduation rate, student debt amounts, student loan default rate, average discounts on tuition).

Search for scholarships sponsored by large and/or local businesses, institutions, employers, high schools, private organizations and groups.

Apply for federal and state financial aid.

Carefully compare financial aid awards from schools offering admission.

Appeal inadequate financial aid award from choice college with documentation about true financial situation, through the school’s Financial Aid Office.

Ask the school about grants, scholarships and work-study opportunities instead of loans.


Before borrowing, have an affordable repayment plan considering ability to repay based on lifestyle sought and beginning salaries in field of study.

Students whose parents are denied a PLUS loan may be eligible for additional unsubsidized Stafford loans but should be careful not to join the ranks of students who are drowning in too much student loan debt. The purpose of higher education is to enhance futures not endanger them. Parents can help their students use all tools and checklists available to help them prepare for college, estimate college costs, and pay for college.


The post PLUS Loans: Parental Pitfalls? appeared first on Affordable Schools Online.


private policy parent office loans financial aid education colleges association assistance american personal finance


For more info: PLUS Loans: Parental Pitfalls?


Affordable Schools Online



PLUS Loans: Parental Pitfalls?


The post PLUS Loans: Parental Pitfalls? appeared first on FX FOREX.






via WordPress http://ift.tt/1f0O4nc



Personal Finance, american, assistance, association, colleges, education, financial aid, loans, office, parent, policy, private

martedì 21 gennaio 2014

Watch Out For These FAFSA Fails

Watch Out For These FAFSA Fails



Applying for financial aid is an annual rite for college students and their parents. It’s tedious and the process is often compared to any number of dental procedures. As painful as filling out the forms â�� electronically or otherwise â�� may be, the discomfort can be exacerbated quite a bit when mistakes slow down the whole process. If you need financial aid to attend college, you will more than likely have to fill out the Free Application for Federal Student Aidâ��the FAFSA. Practically all public colleges and universities, and many private schools, use it to determine aid eligibility. Like many federal forms, though, filling out the FAFSA is not exactly fun. In fact, it can be downright tedious. The form’s complexity and a lack of…



via Affordable Schools Online:



universities taxes school procedures private federal education colleges college applying personal finance


Applying for financial aid is an annual rite for college students and their parents. It’s tedious and the process is often compared to any number of dental procedures. As painful as filling out the forms — electronically or otherwise — may be, the discomfort can be exacerbated quite a bit when mistakes slow down the whole process.


If you need financial aid to attend college, you will more than likely have to fill out the Free Application for Federal Student Aid—the FAFSA. Practically all public colleges and universities, and many private schools, use it to determine aid eligibility. Like many federal forms, though, filling out the FAFSA is not exactly fun. In fact, it can be downright tedious.


The form’s complexity and a lack of user-friendliness combine to create a process that can be fraught with errors. Errors on the FAFSA can delay your school in determining your financial aid, and that is bad. The good news is that the most common errors can be avoided. This list from Top5.com identifies several errors that are easy to make — and easy to avoid — when it comes to filling out the FAFSA.


Filing Late


We’ve banged this drum before on AffordableSchoolsOnline.com, but it is worth repeating: Submit your FAFSA as soon as you can after January 1. For the FAFSA, the federal government has no filing deadline, but most schools do have financial aid deadlines. Colleges tend to distribute their available aid on a first-come, first-served basis. This means that if you wait to submit your FAFSA, less aid may be available for you, even if you’re otherwise eligible.


Divorced Parents


If your parents are separated or divorced, the FAFSA will look only at the income and assets of the parent with whom you lived the most in the 12 months prior to your application, not the parent who has custody of you. This results in a lot of confusion, and presumably reduced aid eligibility in some cases. Reporting the income of both parents or the parent who has custody on the date of the application can lead to erroneous calculations under the federal methodology.


Blank Answers


The FAFSA does not tolerate blanks very well. When you do not answer a question, what happens is that the algorithm used by the Department of Education’s computers assumes you forgot to give an answer. Rather than assuming a zero, system will report an incomplete application. Incomplete FAFSAs delay your results and require you to resubmit the form. If you come across a question that doesn’t apply to you or should be zero—especially in the income section of the FAFSA, which requires an answer to every question—enter “0″ as the answer.


Filing Your Taxes First


The FAFSA asks for a lot of financial information, including income and other details that you provide on your tax forms. One major mistake that students and their parents make is waiting until they have finished preparing their tax returns before submitting a FAFSA. Doing so can delay your aid determination, during which time the supply of aid funds will get smaller. A better strategy, especially if you experienced no major changes in your financial situation, is to use the previous year’s information, along with W-2s, 1099s and pay stubs to estimate income. Submit your FAFSA with the estimates, then, once you file your tax return, go back and amend the submission.


Dependency Status


No matter how you feel about your circumstances or your parents, if you are an undergraduate student who is 24 or younger, you are most likely dependent for financial aid purposes. Confusion surrounding this status can result in contradictory answers on the FAFSA and, ultimately, a delay and a need to resubmit the application. When a college looks at your FAFSA, only a few select criteria will make you independent under the federal methodology. These are: being 24 or older; having children of your own; active-duty military service; or having your own dependents who live with you. The decision of whether you have independent status is typically made by the college to which you’re applying.


The post Watch Out For These FAFSA Fails appeared first on Affordable Schools Online.


universities taxes school procedures private federal education colleges college applying personal finance


For more info: Watch Out For These FAFSA Fails


Affordable Schools Online



Watch Out For These FAFSA Fails


The post Watch Out For These FAFSA Fails appeared first on FX FOREX.






via WordPress http://ift.tt/1mDQLkd



Personal Finance, applying, college, colleges, education, federal, private, procedures, school, taxes, universities

Path to expertise development

Path to expertise development



Most of our understanding of experts and how their memory works is gained from study of chess players.Study of gifted chess players has shown that preparation plays a big role in their development. A good chess player has accumulated knowledge of 10000 plus past games and actual experience of playing thousands of games.Deliberate practice is key strategy used by chess players to develop their skills. They play everyday. They constantly recreate past games. They constantly practice. They study others games.Back in 1985, Benjamin Bloom, a professor of education at the University of Chicago, published a landmark book, Developing Talent in Young People, which examined the critical factors that contribute to talent. He took a deep retrospective look at the childhoods of 120 elite performers who had won …



via stockbee:




Most of our understanding of experts and how their memory works is gained from study of chess players.

Study of gifted chess players has shown that preparation plays a big role in their development. A good chess player has accumulated knowledge of 10000 plus past games and actual experience of playing thousands of games.

Deliberate practice is key strategy used by chess players to develop their skills. They play everyday. They constantly recreate past games. They constantly practice. They study others games.

Back in 1985, Benjamin Bloom, a professor of education at the University of Chicago, published a landmark book, Developing Talent in Young People, which examined the critical factors that contribute to talent. He took a deep retrospective look at the childhoods of 120 elite performers who had won international competitions or awards in fields ranging from music and the arts to mathematics and neurology. Surprisingly, Bloom’s work found no early indicators that could have predicted the virtuosos’ success. Subsequent research indicating that there is no correlation between IQ and expert performance in fields such as chess, music, sports, and medicine has borne out his findings. The only innate differences that turn out to be significant—and they matter primarily in sports—are height and body size.

So what does correlate with success? One thing emerges very clearly from Bloom’s work: All the superb performers he investigated had practiced intensively, had studied with devoted teachers, and had been supported enthusiastically by their families throughout their developing years. Later research building on Bloom’s pioneering study revealed that the amount and quality of practice were key factors in the level of expertise people achieved.

Buliding on Bloom’s work in 1993, a researcher named K. Anders Ericsson published a paper called “The Role of Deliberate Practice in the Acquisition of Expert Performance” were he developed a general theoretical framework for the development of expertise by examining the development of expertise across a variety of different domains to see what commonalities arose. Most of our understanding of expertise development is based on this seminal study.

This kind of deliberate practice results in development of ability to think in chunks. Studies show chess players can look at a board and remember large number of moves compared to novice. Not only that they can work out several more moves and anticipate moves compared to novice.

While to play chess innate talent is needed, the deliberate practice builds the skill several fold.

The momentum burst setup is a purely pattern based play. Under certain circumstances stocks make a sharp 3 to 5 days move. By deliberately studying several thousands of the past setups we are trying to develop expertise in identifying good setup in real time.





If you study thousands of these setups you will find not all lead to explosive moves , but if certain underlying conditions are present like nature of pre b/o consolidation and low volatility prior to breakout , then it leads to explosive moves.

Most of you after reading about the setup and looking at few of them, intellectually believe that yes a setup like this exists. The challenge really is to put an effort and do deliberate practice to a level where you understand and internalise the setup like a chess grand master and play it in real time.

Challenging yourself to go through at least 100 to 1000 past setups like these depending on your work commitments is the path to expertise development.

If you are genuinely motivated that should not be a problem. It takes an hour to go through 400 to 500 setup once you get a hang of it.



For more info: Path to expertise development


stockbee



Path to expertise development


The post Path to expertise development appeared first on FX FOREX.






via WordPress http://ift.tt/1f3xXYo



Trading, benjamin, bloom, chess, deliberate, education, games, master, people, talent, work, young-people

domenica 29 dicembre 2013

College Grads Less Engaged With Jobs

College Grads Less Engaged With Jobs



College-educated workers in America are less likely to be engaged at work than their less-educated peers. And that’s a sign of a serious problem in the country’s higher education system, as well as a troublesome point for the future of the economy, according to a new Gallup poll. The majority of American workers with a college degree said they do not have “the opportunity to do what [they] do best every day” at work, a survey of more than 150,000 adults found. Overall, the majority of American workers said they are either “not engaged” or “actively disengaged” at work. Only 30 percent said they feel engaged. “We have either too few jobs for college grads in general, or too many degrees…



via Affordable Schools Online:



year team number king gallup engagement education economy colleges busteed american america personal finance


College-educated workers in America are less likely to be engaged at work than their less-educated peers. And that’s a sign of a serious problem in the country’s higher education system, as well as a troublesome point for the future of the economy, according to a new Gallup poll.


The majority of American workers with a college degree said they do not have “the opportunity to do what [they] do best every day” at work, a survey of more than 150,000 adults found. Overall, the majority of American workers said they are either “not engaged” or “actively disengaged” at work. Only 30 percent said they feel engaged.


“We have either too few jobs for college grads in general, or too many degrees misaligned with the jobs available in the workplace,” said Brandon Busteed, executive director of Gallup Education, in a blog post.


Researchers based the engagement findings on workers’ assessments of different workplace elements related to performance outcomes, such as productivity, customer service, quality, retention, safety and profit.


For those with a high school diploma or less, about 33 percent said they felt engaged. But as workers climbed up the educational ladder, they became increasingly more likely to report feeling the opposite.


Just more than 50 percent of workers who completed technical school or had some college education said they do not feel engaged at work, meaning they are satisfied with their workplace but are not emotionally connected to it. Another 20 percent said they were “actively disengaged,” meaning they are “emotionally disconnected” from their work and workplace and jeopardize their team’s performance, the survey says.


College graduates were less likely to say they feel engaged at work, with about 28 percent giving a positive answer. And although that percentage increased slightly for those who moved on to postgraduate education, up to 30.1 percent, the number is still lower than those with a high school education or less.


The findings reinforce a common criticism of the American higher education system: colleges are not preparing students for the types of jobs they want or need. “If Americans are judging the colleges they choose based on whether they can get good jobs, they may be better off not choosing college at all,” Busteed said.


Several studies have shown that college graduates are becoming increasingly underemployed, despite society’s insistence that getting a college education will benefit them later on.


A 2012 poll from Gallup and the Lumina Foundation found that half of recent graduates have jobs that do not require a college degree. And earlier this year, the Center for College Affordability and Productivity painted a grimmer picture. Nearly half of all college graduates, not just recent graduates, held relatively low-paying and low-skilled jobs in 2010, the center’s study found.


But it’s not just recent graduates who report feeling disengaged at work. The Gallup poll surveyed American workers of all ages in several different occupations. The results were the same across all ages and occupations – college-educated workers are less likely to find their jobs fulfilling.


The implications of having a less-engaged workforce are significant, the survey says.


“As workplace engagement is itself a key to economic growth, a workforce with so many highly educated workers who are either not engaged or actively disengaged is bad for the U.S. economy,” the survey says.


Finding a solution to disengagement is important not just to the economy, but also to the educational system, according to the survey.


“The implications of this are so profound that it will literally change everything in higher education,” Busteed said. “From rethinking what its ultimate purpose should be, to the very basics of how we teach, coach, mentor, and develop learners.”


The post College Grads Less Engaged With Jobs appeared first on Affordable Schools Online.


year team number king gallup engagement education economy colleges busteed american america personal finance


For more info: College Grads Less Engaged With Jobs


Affordable Schools Online



College Grads Less Engaged With Jobs


The post College Grads Less Engaged With Jobs appeared first on FX FOREX.






via WordPress http://www.evvi.net/4283/personal-finance/college-grads-less-engaged-with-jobs.html



Personal Finance, america, american, busteed, colleges, economy, education, engagement, gallup, king, number, team, year

mercoledì 27 novembre 2013

Nine Webcasts to Learn From

Nine Webcasts to Learn From



Guest post by Lisa Regan, writer for The Lean Startup Conference. Our fall webcast series concluded on a high note with three extraordinary conversations about the origins and implications of Lean Startup. If you missed these when they went out live, we encourage you to watch them now, as they lay a strong foundation for The Lean Startup Conference, December 9 -11 in San Francisco—less than two weeks from today. You can also listen to any of the webcasts, which, at the suggestion of a webcast attendee, we’ve turned into podcasts you can stream or download (from iTunes or SoundCloud). None of the webcasts included slides, so the audio versions work really well. Below are just a few highlights from our final three webcasts: 1) Eric Ries’s one-on…



via Start Up:



Nine Webcasts to Learn From



Guest post by Lisa Regan, writer for The Lean Startup Conference.


Our fall webcast series concluded on a high note with three extraordinary conversations about the origins and implications of Lean Startup. If you missed these when they went out live, we encourage you to watch them now, as they lay a strong foundation for The Lean Startup Conference, December 9 -11 in San Francisco—less than two weeks from today. You can also listen to any of the webcasts, which, at the suggestion of a webcast attendee, we’ve turned into podcasts you can stream or download (from iTunes or SoundCloud). None of the webcasts included slides, so the audio versions work really well.


Below are just a few highlights from our final three webcasts: 1) Eric Ries’s one-on-one conversation with Kent Beck about influencing other people; 2) Eric’s conversation with John Shook about the origins of Lean, and 3) a conversation between Diane Tavenner and Steven Hodas, moderated by Sarah Milstein, on applying Lean Startup ideas in education.


Eric’s chat with Kent Beck was among our most entertaining webcasts (video; iTunes; SoundCloud). Kent, a veteran programmer, a founder of the Agile method and the creator of Extreme Programming, came armed with anecdotes and lessons from his own experience, as well as a few questions for Eric. For example, at 12:56 in the video Kent describes how he made the move from programming to a role that he at one point describes as “Full Metal Guru”:


“It turns out you can be a bad enough programmer to sink a project, but you can’t be a good enough programmer to make a project successful. So I quickly ran out of gas on projects being more successful, and I was forced to take a bigger, broader view of the context in which programming happens. I started to pay attention to things that worked, and to things that didn’t seem to make a difference or actively harmed development. I’ve always been a contrarian, and so if someone says, ‘X is always true, I always think, then what are the implications of not-X?’ As a reflex, I always think that. So if someone says, ‘You need comprehensive documentation for software documentation,’ I think, ‘Well, what if you didn’t have any documentation at all? Would that really be a disaster?’ And I looked around at projects, and it wasn’t a disaster. So I thought, well, maybe a commitment to communication is good enough and the actual form of the communication is something we could be a little bit flexible on.”


The result of that kind of contrarian thinking was Extreme Programming, a method for running programming through feedback loops, testing and iterating on it as quickly as humanly possible. Nowadays Kent is programming again, this time at Facebook, which he describes: “It’s a laboratory. It’s really smart people working on unprecedented problems at ridiculous speed. So I get to see this hothouse of software design. I get to see generations of technology that last six months instead of lasting for six years. And so I can see many more cycles through the loop of how software evolves, how innovation disperses in a community, and so on.”


The enjoyment Eric and Kent shared in talking to one another comes through clearly in their conversation and led to an interesting exchange when Kent asked Eric how he had made the move from building things (programming) to an interest in influence in a broader sense. At 32:30, Eric offers this candid explanation:


“When I was younger I was convinced that programming was the most fun thing I would ever do and I’d be very happy to program increasingly large systems myself. And I think basically what happened was I kept doing that, and not having the impact I wanted to have. Because in my fantasy I could produce a massive program that’s used by billions of people and has enormous complexity and is incredibly innovative, by myself. Just, you know, with my bare hands. But the truth of any program is, it requires teams, and customers, and it’s this complicated ecosystem…. So the person who’s considered the ‘founder’ or the person who created the complicated system, it doesn’t matter if it’s Linux or Facebook or anything, somebody had to plant that initial seed, and that’s very satisfying.


“But in order for us to remember it and to care about the fact that they are the founder of that thing, they had to do an incredible amount of management of people to get them to grow that seed into something that is significant. And what’s frustrating to me–it was then and it still is–is that as soon as I became a manager and a team leader and an architect and really thinking out how to do that stuff, I was doing human systems engineering and I was no longer making things with my bare hands. And so I’ve also had that frustration. Now, that’s frustrating but also very satisfying, in that I’m very proud of the things that teams that I’ve worked with have built. But for me anyway, that transition from being a team leader to whatever it is that I do now, to try to cultivate this community and try to share these ideas on a wider scale–that was actually a much easier transition than going from an individual contributor to a team leader. Because to me, it’s like, as soon as I was not making things myself, with my bare hands, it’s all about, ok, then what activities will give me the greatest influence to have the impact I want to see in the world?”


The conversation also turned to a subject on everyone’s mind the last month or so–the healthcare.gov website. Kent’s analysis, which is largely political-process-driven, begins at 41:30. Eric offers a different account, seen through a Lean Startup lens:


“To me the great irony of healthcare.gov is that the current healthcare.gov that people are complaining about is actually the second version of healthcare.gov that was built. The first one was built right after the Obamacare law was passed…. And you couldn’t sign up for insurance in those days, it simply gave you information about the insurance options in your jurisdiction. But it was still pretty complicated, and it still required a lot of cooperation from the insurance companies–there was a lot to it. And they did it exactly opposite of this current healthcare.gov in the three dimensions I think of as key: they put a small team on it–a cross-functional small team, I think there was no more than 10 people; they gave them 90 days to deliver; and I think their total budget was so small as to be close enough to zero. Classic minimum viable product. They did it all open-source, so from an ethos point of view it was opposite, and from an infrastructure point of view it was all cloud and modern like you would expect. And they were able from that point to do the build-measure-learn thing and to iterate and get feedback from the insurance companies and from the public. And they turned that from a tiny little seed into a quite useful, complicated project by gradually increasing its complexity in a highly polarizing political environment where everybody wanted Obamacare to fail. Which is what to me is deeply frustrating–thanks to the president’s creation of the CIO and the CTO, he has really great people from Silicon Valley, from our communities, that could have been instrumental in creating this website, but those people were bypassed because of the IT procurement process in the federal government, which is a nightmare.”


For further highlights see Kent at 57:10 and Eric at 59:00 on the importance of measuring team members on impact rather than effort. Eric: “It’s a fundamental waste of human energy and talent to have people working on things that nobody wants and that have no impact. That’s actually morally wrong to have a system that does that. Couldn’t we expand our horizons and see that there’s actually another way? I find that very motivating.”


Eric’s conversation with John Shook, CEO of the Lean Enterprise Institute, covered the origins and applications of Lean principles (video; iTunes; SoundCloud). John moved to Japan in the 1980s to work at Toyota, which at that point had the most advanced manufacturing practices in the world. He took what he learned there back to the US, first to work with American auto plants as part of the GM-Toyota partnership, and then as the founder and president of the Lean Enterprise Institute.


Here’s John at 12:20 describing the turnaround Lean Manufacturing methods were able to make at Nummi, a GM plant that was, as he describes is, “the certified worst plant in the world,” both in terms of product quality and the attitude of the workforce:


“So I joined Toyota really exactly 30 years ago, it was late 1983. We built our first car there at Nummi in the old General Motors plant, in December 1984–so just one year. And with the same workforce–a lot of people don’t realize it was actually the same workforce, the old ‘troublemakers’ were offered their jobs back, and I worked alongside them–and in one year we built our first car. When GM did their first quality audit, it set the record for the very best quality score any GM plant had ever gotten. With the same workforce. And the same employees who were so disgruntled before became powerful advocates for the system, for this way of working. So the turnaround was powerful and in my mind at the time, this just proved that this could work, and this could work anywhere.”


To Eric, the scope of the turnaround is so unbelievable that it can be difficult to draw lessons for it for other companies. So he asked John how he had effected this incredible change in the culture at Nummi. John’s reply has the force of a new adage (at 16:44):


“We changed the way we behaved. That then changed the attitudes of the people that worked there, that brought forth a whole new culture…. Rather than think your way to a new way of acting, try to act your way to a new way of thinking. So how is it we want to think, ‘What’s the culture we want? Let’s try to draw a picture of that, and what do we need to do to get there?’ So we started working on the behaviors, what do we actually need to do? We changed the work.”


In response to a participant question about what you do if the problem isn’t the workers, rather the management, John said (at 26:48):


“It’s always the managers and not the workers, and we have to realize that. So if we are the managers, if we are the leaders, then we have to look in the mirror. That’s where it starts, that’s not where it ends. People often ask where do you start, do you start at the top, do you start at the middle, do you start at the front lines? And honestly, wherever you start, it’s going to be the other areas that are the problem, that have to be somehow brought along. And if you’re working with someone that’s a frontline manager or supervisor, they’ll often say, ‘Well, I could do this if I were one level higher up, because my bosses, those managers, they don’t get it, I get it.’ You go to them and they’ll say, ‘I get it, it’s one level higher up.’ You go all the way up to the CEO and the most frustrated person in the company is the CEO because he or she can’t get anything done that he or she wants done.”


Take a listen to John at 35:00 on what the company of the future will look like, and Eric’s closing question and anecdote at 39:43, a poignant narrative of waste centered around a visit he made to a factory floor and a revelation about his microwave.


Our final webcast of the season was organized in response to intense interest from our community around Lean Startup in education. We brought together Diane Tavenner, founder and president of Summit Public Schools, a network of charter schools in the San Francisco area, and Steven Hodas, who heads the markets initiative for NYC Department of Education, with Sarah Milstein, co-host of the Lean Startup Conference, for a webcast on Testing Lean Startup in Education (audio on iTunes and SoundCloud; we do not yet have the video for this webcast). The conversation centered around a few key topics: customers, bureaucracy, and MVP.


Diane at 5:13 describes her customers as students, but notes that their parents, the post-secondary education system (colleges and universities), employers, and even society at large are invested in students’ public education. Steven at 6:45 describes a useful distinction between customers, users and audiences, where these may be competing as well as overlapping interests. As he puts it, “Teasing out who is the customer is part of the work itself.” In response to a question about the bureaucratic and regulatory barriers to action–barriers that, given the intensity of personal and public interest in education one would expect to be quite high–both Diane and Steven surprisingly agreed that there was more excuse-making than actual obstacles to action (start at 12:18 for this portion of the conversation).


The practical how-tos of running experiments on actual students in an education environment was a major feature of this webcast. Here’s Diane (at 18:30) on the relationship between getting buy-in and creating an MVP, where the two can serve each other:


“Really the key concept here is that to win people over, you have to identify a problem that is particularly challenging for them, or even a small problem for that matter, and then demonstrate that using these processes actually solves that and gets them to a place that’s much more desirable. And one very exciting example for us, an early example and an easy win, was our teachers really needed a way to differentiate and personalize instruction for students, because when you’ve got 25 students and they’re all in different places, how do you meet their individual needs? It’s humanly impossible. And so they came to this idea if we had a playlist for kids that was really intuitive for them, that we could curate all these different resources so that kids could actually choose how they learn best. And if we could collaborate as teachers across different schools and across subject areas in courses, it would be helpful. So taking that wish and seeing that it doesn’t exist out there, we partnered with a software company, shared this wish and ultimately ended up co-developing, co-designing and building an MVP, testing it, involving our teachers and students all along the way, and ultimately this fall launching it as a free product that’s available to every teacher in the world, where they can collaborate and share and use it with their students.”


As a counterpart to the question of how to create and test an MVP, Steven and Diane discussed how to use metrics to measure progress. Steven at this point (34;28) launched a defense of vanity metrics– not to measure student progress, but to help create, again, buy-in from stakeholders:


“Given the public nature of public schooling, and the tremendous political pressure, and this fear of failure that Diane mentioned, which is really ubiquitous and the higher up in the organization you go the worse it gets–in order to get collaborators to come along with you, you need to make them feel good. By focusing on things that matter to them. Not only do you need to identify problems that are important to them, but they’re looking for certain indicators of success that may not overlap with your indicators of success. And so depending on the situation and what it is you’re trying to accomplish, for example, a certain number of newspaper headlines that speak positively about the work can be far more important, for better or for worse, in getting you the buy-in to take you to the next step than some increase in student achievement on a formative assessment. Because those particular people who [are] your audience, who you’re trying to impress at the central level, their concerns are not immediately about student achievement at that moment. It’s about what does this mean for me, and my career, and what is the potential downside, how is my boss going to feel about it. So when I think of vanity metrics I think of things that can be bad because they can be deceiving when you apply them to yourself.


“But I think things that demonstrate popularity–again, in a politicized context–are really important, so we do rely on them. When we do software challenges, for example, participation in those challenges is a really important metric, in fact it’s one of the things we optimize for. And I’m not embarrassed to say that sometimes we’ll optimize more for participation than for the quality of the software that comes out the other end. Because at that stage in our MVP what we’re trying to demonstrate is not that our software challenge produces the silver bullet that’s going to solve all our middle school math problems, but that if we have an open, embracing process, new partners will want to come participate with us.”




All of our webcast speakers will be at The Lean Startup Conference, December 9 – 11. Register today to join them and dozens of other speakers, as we explore advanced topics in entrepreneurship.





via Lessons Learned:


Guest post by Lisa Regan, writer for The Lean Startup Conference.Our fall webcast series concluded on a high note with three extraordinary conversations about the origins and implications of Lean Startup. If you missed these when they went out live, we encourage you to watch them now, as they lay a strong foundation for The Lean Startup Conference, December 9 -11 in San Francisco—less than two weeks from today. You can also listen to any of the webcasts, which, at the suggestion of a webcast attendee, we’ve turned into podcasts you can stream or download (from iTunes or SoundCloud). None of the webcasts included slides, so the audio versions work really well.Below are just a few highlights from our final three webcasts: 1) Eric Ries’s one-on-one conversation with Kent Beck about influencing other people; 2) Eric’s conversation with John Shook about the origins of Lean, and 3) a conversation between Diane Tavenner and Steven Hodas, moderated by Sarah Milstein, on applying Lean Startup ideas in education.Eric’s chat with Kent Beck was among our most entertaining webcasts (video; iTunes; SoundCloud). Kent, a veteran programmer, a founder of the Agile method and the creator of Extreme Programming, came armed with anecdotes and lessons from his own experience, as well as a few questions for Eric. For example, at 12:56 in the video Kent describes how he made the move from programming to a role that he at one point describes as “Full Metal Guru”:“It turns out you can be a bad enough programmer to sink a project, but you can’t be a good enough programmer to make a project successful. So I quickly ran out of gas on projects being more successful, and I was forced to take a bigger, broader view of the context in which programming happens. I started to pay attention to things that worked, and to things that didn’t seem to make a difference or actively harmed development. I’ve always been a contrarian, and so if someone says, ‘X is always true, I always think, then what are the implications of not-X?’ As a reflex, I always think that. So if someone says, ‘You need comprehensive documentation for software documentation,’ I think, ‘Well, what if you didn’t have any documentation at all? …


For more info: Nine Webcasts to Learn From


Lessons Learned


Nine Webcasts to Learn From


L’articolo Nine Webcasts to Learn From sembra essere il primo su Start Up.


For more info: Nine Webcasts to Learn From


Start Up



Nine Webcasts to Learn From


The post Nine Webcasts to Learn From appeared first on FX FOREX.






via WordPress http://www.evvi.net/2972/world-news/nine-webcasts-to-learn-from.html



World News, education, enterprise, facebook, francisco, institute, king, metal, people, programming, public, startup

sabato 23 novembre 2013

Principal Launches Retirement Education Program for Hispanics

Principal Launches Retirement Education Program for Hispanics



Principal Launches Retirement Education Program for HispanicsNov 23rd, 2013 · 0 Comment pay per click Principal Launches Retirement Education Program for Hispanics The National Association of Plan Advisors is a non-profit professional society. The materials contained herein are intended for instruction only and are not a substitute for professional advice.© 2013. All rights reserved.The National Association of Plan Advisors4245 N. Fairfax Drive. Suite 750 | Arlington, VA 22203P. 703.516.9300 | F. 703.516.9308 via hispanics and education – Google Blog Search:The Principal Financial Group introduced a retirement education program designed to encourage Hispanic employees to participate more in retirement pla.For more info: Principal Launches Retirement Education Program for Hispanicshispanics and education – Google Blog SearchPrincipal Launches Retirement Education Program for HispanicsTags:association · drive · fairfax · fairfax-drive …



via Latinos:



Principal Launches Retirement Education Program for Hispanics



The National Association of Plan Advisors is a non-profit professional society. The materials contained herein are intended for instruction only and are not a substitute for professional advice.© 2013. All rights reserved.The National Association of Plan Advisors4245 N. Fairfax Drive. Suite 750 | Arlington, VA 22203P. 703.516.9300 | F. 703.516.9308



via hispanics and education – Google Blog Search:


The Principal Financial Group introduced a retirement education program designed to encourage Hispanic employees to participate more in retirement pla.


For more info: Principal Launches Retirement Education Program for Hispanics


hispanics and education – Google Blog Search



Principal Launches Retirement Education Program for Hispanics


L’articolo Principal Launches Retirement Education Program for Hispanics sembra essere il primo su Latinos.


For more info: Principal Launches Retirement Education Program for Hispanics


Latinos



Principal Launches Retirement Education Program for Hispanics


The post Principal Launches Retirement Education Program for Hispanics appeared first on FX FOREX.






via WordPress http://www.evvi.net/2641/world-news/principal-launches-retirement-education-program-for-hispanics.html



World News, education, financial, group, launches, principal-launches, retirement, suite, the-national

lunedì 18 novembre 2013

Review: FlexScore, part 2 (the website)

Review: FlexScore, part 2 (the website)



This article is by staff writer Honey Smith.There are many personal finance books and tools out there, useful to people in all stages of personal finance. I have a lot to learn before reaching financial independence, and the editorial elves thought it would be useful if I shared some of what I learn with you.My recent reviews include “Soldier of Finance: Take Charge of Your Money and Invest in Your Future” and “FlexScore, Part I (The Book).” This week, I’m reviewing FlexScore’s free online tool.FlexScore is still in beta, which means that they are still working out the kinks before general release. Once the developers are convinced that the tool is as bug-free as they can make it, they will “launch,” …



via Get Rich Slowly – Personal Finance That Makes Sense.:



This article is by staff writer Honey Smith.


There are many personal finance books and tools out there, useful to people in all stages of personal finance. I have a lot to learn before reaching financial independence, and the editorial elves thought it would be useful if I shared some of what I learn with you.


My recent reviews include “Soldier of Finance: Take Charge of Your Money and Invest in Your Future” and “FlexScore, Part I (The Book).” This week, I’m reviewing FlexScore’s free online tool.


FlexScore is still in beta, which means that they are still working out the kinks before general release. Once the developers are convinced that the tool is as bug-free as they can make it, they will “launch,” or make the product/feature available to everyone. Student loan payoff tool Tuition.IO, which I reviewed in January, is also still in beta (though I logged in recently and they are definitely improving the tool, and their blog is infographically awesome).


Philosophy behind the website


As I mentioned in my previous review, the aim of the FlexScore tool is to “gamify” personal finance. What does that mean, exactly? They make 1,000 a perfect score of sorts, meaning if you score a 1,000, you can probably retire today without a problem. Your initial score is determined in part based on your demographic information, your debts and assets, the insurance policies you have in place, and your goals for the future.


Once you have an initial score, the tool creates an individual action plan for you. FlexScore assigns different values to different activities, and by completing those activities you can gain additional points. Examples of activities you could do to gain points are:



  • Getting life insurance, or increasing the amount you carry if you have it

  • Completing or updating your estate plan

  • Opening an Emergency Fund


Sometimes getting points is as easy as reading articles on the FlexScore website or watching their informational videos on a variety of topics. The tool will recommend that you watch specific videos or read certain articles based on your action plan. However, you can access all the articles and videos on their site via the FlexScore learning center.


One of the ways the tool will be monetized is by having sponsored links to companies that provide the services. For example, if “get life insurance” is on your action plan, the site will link to one or more companies that sell that product. However, as long as you get the life insurance and update your profile accordingly, you don’t need to buy from a sponsor to get the points.


What I didn’t like


My main complaint in the review of the book is that there was little information about what constituted a “good score” for a particular person. The main reason for that, of course, is that scores vary widely depending on factors like age, current financial situation, and goals. The online tool gives you not only your FlexScore, but also tells you how your score compares to that of your peers (based on age and location).


While the tool did provide more information on what a good score is, I didn’t find the compare feature to be all that useful. This was mostly because it just seemed to compare my raw score to that of my peers’. While my FlexScore suggested that I was right on track with my peers, I suspect that’s because my student loan is the size of a mortgage and, well, I don’t have a mortgage.


Maybe I’m just nosy and want to know exactly what my “peers by age” are up to. I think making the comparison tool more robust and comparing scores not only holistically but also by category would be awesome. I do expect that the tool will become more robust with time, however, so maybe it’s coming someday!


What I loved


My favorite part of FlexScore was the “breakdown” tool. What this does is put variables on a sliding scale and let you play with the effect that changing your goals would have on your score. The variables are:



  • Retirement age

  • Monthly income goal in retirement

  • Current monthly savings

  • Assets

  • Debt

  • Current cost of living


By sliding each variable up or down, you can see the effect that delaying retirement, decreasing your current cost of living, or paying off a debt would have on your FlexScore. Then you can decide what trade-offs you’re willing to make.


The learning center is also pretty neat. I watched a couple of the videos and they’re not too long or technical. They seem to be designed to explain basic concepts and inspire you to take action. For more in-depth explanations on various topics, the articles are extremely comprehensive.


Who should use FlexScore


My FlexScore was 400, indicating that I have a long ways to go before retirement. That’s news to precisely no one! However, I learned my peers have an average FlexScore of 380, which puts me about on track for my age and location.


One of the questions I asked Jeff Burrow and Jason Gordo, co-founders of FlexScore, was what makes FlexScore different from something like Mint. They said that Mint is extremely robust for day-to-day budgeting. However, it’s harder to get a sense of where you stand in a holistic sense, or understand how changing one aspect of your financial life can impact your ability to reach future goals.


With FlexScore, the action plan and points are part of the game. Sometimes it can be hard to get up the motivation to do something tedious and/or boring, like compare policies and obtain disability insurance. FlexScore is predicated on the belief that by getting points today, you’re less likely to put things off until it’s too late.


FlexScore isn’t a site for micromanaging your daily finances. You’re not going to be categorizing each transaction you make. This is a site for people who want:



  • A big-picture understanding of their finances and how it relates to major life goals

  • An action plan that is customized to their specific situation

  • One central location for information on a variety of financial topics

  • Are inspired by competition and games (you don’t compete against others, but can compare yourself to others, and compete against yourself)


To access FlexScore while it is still in beta, sign up here. Let me know what you think in the comments!


A note about swag: While I was provided with early access to FlexScore for review purposes, my opinions are entirely my own. Plus it’s free for everyone!


















For more info: Review: FlexScore, part 2 (the website)


Get Rich Slowly – Personal Finance That Makes Sense.



Review: FlexScore, part 2 (the website)


The post Review: FlexScore, part 2 (the website) appeared first on FX FOREX.






via WordPress http://www.evvi.net/2364/personal-finance/review-flexscore-part-2-the-website.html



Personal Finance, action, article, education, emergency, financial, insurance, king, planning, soldier, tool