A winning way with financial literacy in high school

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Nick ClementsEarlier this month, I wrote about teaching a financial literacy course at Brooklyn College. In a survey, over 90 percent of the students said that they wish they had received financial literacy training in high school. By the time they are college freshman, they have signed up for student loans, opened checking accounts and have been targeted by credit card marketing. Given the importance of the financial decisions that they will be making, a bit of training would have been useful.Since writing that article, I have met a group of people making financial literacy in high school a reality. And the experience they designed is not a boring textbook exercise filled with compounding interest calculations and tax code. Instead, it has real-world simulations and competitions where the winner can win college scholarships.Dave and Palmira Buten spent years working in various finance roles. But their true passion was educating high school students in financial literacy. So much is written about investing and investment strategy, but people lose so much money every year on bank fees and credit card interest. Last year, $32 billion was spend on overdraft fees alone, with a large portion coming from college students. The Butens wanted to create a fun, competitive way to help young people understand how to open basic banking accounts, keep costs low and avoid late fees and interest. That led to creating the Budget Challenge, a “learning by doing” simulation and competition.How the Budget Challenge WorksStudents can earn points by saving in their 401(k), earning interest in checking accounts and taking quizzes. During the simulation, they have to pay their bills on time and deal with emergencies. They decide how much to save. Students lose points for fees that are deducted during the simulation. Those fees include late fees, below minimum balance fees and all those other fees that take such a large portion of working Americans’ salaries every year. The goal of the simulation is that students learn from rookie mistakes in the simulation, rather than in their freshman year. That way they lose theoretical money, rather than real money. continue reading »last_img read more


first_img1. Say thanks to your favorite geocaching buddy.It’s no secret that geocaching is better with friends, so why not use this opportunity to say thanks to your favorite partner-in-find. This could work by having your Lab Cache lead them to the outside of their favorite movie theater. In the description, you can leave a clue like, “Check under the bench outside.”  You could hide a typical geocache that contains two tickets to that movie they’ve been wanting to see. And don’t forget to include the find code inside, too. When they enter that in the web app, they’ll see a picture and your thank you. Who knows, maybe they’ll even have an a Lab Cache created to say thanks to you, too! SharePrint RelatedGeocaching Adventure Lab app FAQDecember 10, 2018Similar postFeatured Geocacher of the Month Award WinnersAugust 25, 2011In “Community”10 mistakes to avoid while geocachingFebruary 26, 2019In “News” Get ready for a test of a new way to explore through geocaching on February 3. It’s an experiment and we’d love to hear what you think once you’ve played or created a new I <3 Geocaching Lab Cache. Whether you create a trek through nature, a romantic quest or even a trip guided by robots, the I <3 Geocaching beta-test is a new way for Geocaching Premium members to experiment with what might be part of the future of geocaching.Beginning February 3, Geocaching Premium members can take part in the beta-test by using the Lab Cache creator  to craft a one-of-a-kind adventure for someone special. (Hint: It can even be indoors.) Each I <3 Geocaching Lab Cache will be a personalized, temporary Lab Cache meant for just one person.This new test is different than normal geocaching and is open to all sorts of creative interpretations. To help get you started in creating a cool adventure, here are a few ideas we put together: Share with your Friends:Morecenter_img 2. Make it really special.Just like any other day, your loved one wakes up and heads to the coffee maker for their morning pick-me-up. Except this morning, there’s the URL to your Lab Cache with the words, “I can’t wait to see you!” When they open the Lab Cache on their phone, it leads them to the park where you two first met. Upon arriving, they see you sitting there with a delightful picnic waiting for them. And if you want to make it really special, maybe the find code is “MARRYME?” (No pressure.) 3. Create an all-day adventure.We all know someone who thrives on adventure. For them, you could create something like a multi-stage puzzle cache. It begins by leading them to their favorite rock climbing crag and has the clue “Head to the top.” Once there, they find another clue: “It’s time to go for a hike, visit the top of the hiking trail we enjoy.” After safely rappelling from the rock climbing route, they’ll head to your favorite hiking spot and make their way to the top of you favorite trail, only to find another clue: “Now it’s time to get wet. Grab your kayak and paddle out to that spot we swim in the summer.” Your friend will paddle out to the floating platform to find a fluffy bunny, some balloons and of course, the find code to your Lab Cache. Epic!Ready to begin? Click on this Premium Member link to start your limited time, single use Lab Cache: http://www.geocaching.com/iheartgeocaching/An I <3 Geocaching Lab Cache is easy to create. You’re only bound by your imagination, a Find Code and, of course, local laws, regulations and just common sense. Need more info? Check out the I <3 Geocaching FAQ.Tell us your creative ideas in comments below.  You might help inspire a once-in-a-lifetime experience for another geocacher.last_img read more

Solar Owners Are Givers, Not Takers

first_imgThe report, Shining Rewards: The Value of Rooftop Solar Power for Consumers and Society, examines recent analyses of net-metering programs conducted by utilities, public utility commissions, and independent groups to assess the value of solar power.As the chart at the top of this page details, of the 11 net-metering studies reviewed, eight found that the value of solar energy was higher than the average local residential retail electricity rate; the three that didn’t were conducted by utilities.The median value of solar power across all of the studies was nearly 17 cents per kWh, compared to the nation’s average retail electricity rate of about 12 cents.In other words, despite utility claims that solar costs too much, and that solar users are benefiting at the expense of other customers, the opposite is more likely true. Solar panel owners are givers, not takers. With the solstice behind us, summer has officially begun. Across the country, that means the sun is shining and the mercury is climbing, and our air conditioners and the electricity grids they rely upon are stretched to their limits.In response, we’ve seen utilities urge customers to turn up their thermostats a notch or two to ease their burden. They’ve recommended the use of fans, energy-efficient bulbs, and double-paned windows — all good measures to reduce energy use.What we haven’t seen is much action by the utilities to encourage people to go solar. In fact, in state after state, by proposing to increase fees for owners of photovoltaic (PV) systems or to lower their reimbursement rates, utilities are doing the opposite.That’s a shame, because a new Environment America Research & Policy Center report shows that when people put PV panels on their rooftops and in their neighborhoods through programs like net-metering, they reduce the strain on our electric grid, lower prices for all electric customers, and cut pollution to boot.Net-metering programs credit solar panel owners at a fixed rate — often the retail price of electricity — for providing excess power to the grid, similar to rollover minutes on a cell phone plan. These programs are the law of the land in 44 states, and have helped solar energy skyrocket across the country; last year, every two and half minutes, another U.S. home or business went solar. Rob Sargent is the energy program director for Environment America and oversees policy and strategy development for energy and global warming campaigns. This blog was originally published at Huffington Post. Even utility studies see benefitsEvery single one of the studies — even those conducted by the utilities — found that solar customers offer net benefits to the electric system, as the second chart shows (see Image #2, below).Solar panels connected to the grid help bring down ongoing energy costs. They reduce the amount of electricity utilities must generate or purchase from fossil fuel-fired power plants. And they reduce the amount of energy lost in generation, long-distance transmission and distribution, losses that tend to cost ratepayers.Solar also brings down new capital investment costs. By reducing overall demand, solar energy production helps ratepayers and utilities avoid investing in new power plants, transmission lines and other forms of electricity infrastructure.What’s more, solar power boosts the local economy, producing local jobs that can’t be outsourced. And as everyone knows, solar helps cut our dependence on dirty sources of energy and the global warming and air pollution that comes with it.This study has real implications right now for debates raging across the country over net metering and other rooftop solar programs. Nevada, for example, is considering a new fee for solar panel owners who sell excess power. Arizona Public Service is proposing to lower the reimbursement rates for solar power. The Wisconsin Public Utility Board has approved a similar plan to lower payments to solar customers, which advocates are appealing.As these battles unfold across the country, decision makers should take into account the report’s findings, which reinforce what advocates have long argued: solar power has far more rewards than costs. Instead of penalizing its use, we should be encouraging it, right alongside programmable thermostats and double-paned windows. RELATED ARTICLES Solar Power Can Cut Consumers’ Bills and Still be Good for UtilitiesMaine Completes Value of Solar StudyColorado Electric Co-op Weighs New Solar ChargesIn Maine, A Battle Royal Over Energy PolicyWisconsin Alters Net-Metering RulesNet-Metering Is Preserved in KansasMajor Utility Wants Lower Net-Metering Rateslast_img read more

Understanding Individual Education Programs (IEPs)

first_imgWritten by Rebecca Bardenhagen, M.Ed. and Lakshmi Mahadevan, Ph.D.Individual Education Programs, or IEPs, are plans written by educational professionals for children with disabilities in public school.  Parents/guardians of these children may have questions about what an IEP is and how the plan is implemented. If service providers have a basic understanding of this process, they will be able to aid parents/guardians in addressing IEP concerns and questions.The IEP MeetingThe Individuals with Disabilities Education Act (IDEA) mandates that parents have the right to participate in IEP meetings regarding their child’s evaluation for special education eligibility and education placement (Center for Parent Information & Resources, 2010).  When parents/guardians attend an IEP meeting, writing and/or reviewing goals for their child with disabilities will encompass a substantial portion of the meeting.  These goals are written as positive statements that describe the gains that the child will make in the coming year.  Below are descriptions of items in an IEP.  Being familiar with them will allow parents/guardians to better understand the special education services their child will be provided.Present Levels and Annual GoalsThe main objective of an IEP goal is to assist the child in progressing in the general education curriculum (Texas Project First, n.d.).  Writing annual goals stems from the child’s present level of academic and functional performance or PLAAFP, with functional performance meaning skills that are not related to academic performance but impact education attainment (Center for Parent Information & Resources, 2017), for e.g. communication, following directions, working independently, etc.  Present levels of performance are based on assessment reports from teachers, therapists, and parent/guardian reflections and concerns (Special Education Parent Advisory Committee [SEPAC], 2012).  Keep in mind that evaluations from outside specialists can also be used during the goal writing.  Usually school staff will write what needs to be in the IEP before the meeting occurs, but parents/guardians should write down important information and thoughts to share (Center for Parent Information & Resources, 2017).  Goals express what the child should achieve by the end of the school year by positively stating a skill that can be clearly observed and measured (Center for Parent Information & Resources, 2017).Four Components of GoalsEach goal will contain the following information (SEPAC, 2012): Timeframe: States when the child will achieve the goalContent: Describes the learning that will be masteredBehavior: Explains what the student will do to demonstrate learning of the goalCriterion: Defines the criteria and method for measuring the goalsUnderstanding how goals are crafted will allow parents/guardians to a take a more active role in the IEP process and allow for them to advocate for the needs of their child (SEPAC, 2012).Other Important TermsThere are several terms that may be used during the IEP writing process.  If parents/guardians are familiar with these terms, they may feel more comfortable in proactively participating in the process (SEPAC, 2012).Program Placement: States where the child will be placed to achieve the goals (i.e. a special class or a general education classroom)Services and Supports:  Considerations that will help the child in attaining goals (i.e. speech therapy, physical therapy)Accommodations:  Ways to help a child develop skills when receiving the general education curriculum (i.e. more time for assignments or having material read to them)Modifications:  Changing the skills that are being taught (i.e. shorter reading passages, 10-item test as opposed to 15 items, writing a short answer instead of a long essay etc.)***Download the IEP Cheat Sheet for more info and assistance. ConclusionThe IEP process can be daunting and a source of stress for parents/guardians and students with disabilities. Being armed with information beforehand, knowing what is coming, and preparing ahead can help ease the path and ensure that the student receives appropriate special education services in a safe and positive learning environment.References:Center for Parent Information & Resources (2017).  Annual Goals.  Retrieved on March 20, 2018.Center for Parent Information & Resources (2010).  Questions and Answers about IDEA: Parent Participation. Retrieved on May 9, 2018.Special Education Parent Advisory Committee, [SEPAC] (2012). Goal Writing at Your Child’s IEP.  Retrieved on March 20, 2018.Texas Project First (n.d.).  Writing Goals and Objectives.  Retrieved on March 20, 2018.last_img read more

Knee arthroscopy

first_imgDefinitionKnee arthroscopy is surgery thatuses a tiny camera to look inside your knee. Small cuts are made toinsert the camera andsmall surgical tools into your knee for the procedure.Alternative NamesKnee scope – arthroscopic lateral retinacular release; Synovectomy – knee; Patellar (knee) debridement; Meniscus repair; Lateral release; Knee surgeryDescriptionThree different types of pain relief (anesthesia) may be used for knee arthroscopy surgery:Local anesthesia. Your knee may be numbed with pain medicine. You may also be given medicines that relax you. You will stay awake.Spinal anesthesia. This is also called regional anesthesia. The pain medicine is injected into a space in your spine. You will be awake but will not be able to feel anything below your waist.General anesthesia. You will be asleep and pain-free.Femoral nerve block. This is another type of regional anesthesia. The pain medicine is injected around the nerve in your groin. You will be asleep during the operation. This type of anesthesia will block out pain so that you need less general anesthesia.A cuff-like device may be putaround your thigh to help control bleeding during the procedure.The surgeon will make two or three small cuts around your knee. Salt water (saline) will be pumped into your knee to stretch the knee.A narrow tube with a tiny camera on the end will beinserted through one of the cuts. The camera is attached to a video monitor that lets the surgeon see inside the knee.The surgeon may put other small surgery tools inside your knee through the othercuts. The surgeon will then fix or remove the problem in your knee.advertisementAt the end of your surgery, the saline will be drained from your knee. The surgeon will close your cuts with sutures (stitches) and cover them with a dressing. Many surgeons take pictures of the procedure from the video monitor, You may be able to view these pictures after the operation so that you can seewhat was done.Why the Procedure Is PerformedArthroscopy may be recommended for these knee problems:Torn meniscus. Meniscus is cartilage that cushions the space between the bones in the knee. Surgery is done to repair or remove it.Torn or damaged anterior cruciate ligament (ACL) or posterior cruciate ligament (PCL)Swollen (inflamed) or damaged lining of the joint. This lining is called the synovium.Kneecap (patella) that is out of position (misalignment).Small pieces of broken cartilage in the knee jointRemoval of Bakers cyst. This isa swelling behind the knee that is filled with fluid. Sometimes the problemoccurs when there is swelling and pain (inflammation) from other causes, like arthritis.Some fractures of the bones of the kneeRisksThe risks for any anesthesia are:Allergic reactions to medicinesBreathing problemsThe risks for any surgery are:BleedingInfectionAdditional risks for this surgery include:Bleeding into the knee jointDamage to the cartilage, meniscus, or ligaments in the kneeBlood clot in the legInjury to a blood vessel or nerveInfection in the knee jointKnee stiffnessBefore the ProcedureAlways tell your doctor or nurse whatmedicines you are taking, even drugs, supplements, or herbs you bought without a prescription.During the 2 weeks before your surgery:Your doctor may tell you to stop takingmedicines that make it harder for your blood to clot. These include aspirin, ibuprofen (Advil, Motrin), naproxen (Naprosyn, Aleve), and other blood thinners.Ask your doctor whichmedicines you should still take on the day of your surgery.Tell your doctor if you have been drinking a lot of alcohol (more than 1 or 2 drinks a day).If you smoke, try to stop. Ask your doctor for help. Smoking can slow down wound and bone healing.Always let your doctor know about any cold, flu, fever, herpes breakout, or other illness you have before your surgery.On the day of your surgery:You will usually be asked not to drink or eat anything for 6 to 12 hours before the procedure.Take the medicines your doctor told you to take with a small sip of water.Your doctor or nurse will tell you when to arrive at the hospital.After the ProcedureYou will have an ace bandage on your knee over the dressing. Most people go home the same day they have surgery. Your doctor will give you exercises to do.Outlook (Prognosis)Full recovery after knee arthroscopy will depend on what type of problem was treated.Problems such as a torn meniscus, broken cartilage, Bakers cyst, and problems with the synovium are often easily fixed. Many people stay remain active after these surgeries.advertisementRecovery from simple procedures is usually fast. You may need to use crutches for a while after some types of surgery. Your doctor may also prescribe pain medicine.Recovery will take longer if you have had a more complex procedure.If parts of your knee have been repaired or rebuilt, is you may not be able to walk without crutches or a knee brace for several weeks. Full recovery may take several months to a year.If you also have arthritis in your knee, you will still have arthritis symptoms after surgery to repair other damage to your knee.ReferencesPhillips BB, Mihalko MJ. Arthroscopy of the lower extremity. In: Canale ST, Beaty JH, eds. Campbells Operative Orthopaedics. 12th ed. Philadelphia, PA: Mosby Elsevier; 2012:chap 51.Miller MD, Hart J. Surgical principles. In: DeLee JC, Drez D Jr, Miller MD, eds. DeLee and Drezs Orthopaedic Sports Medicine. 3rd ed. Philadelphia, Pa: Saunders Elsevier; 2009:chap 2.Review Date:1/17/2013Reviewed By:C. Benjamin Ma, MD, Assistant Professor, Chief, Sports Medicine and Shoulder Service, UCSF Department of Orthopaedic Surgery. Also reviewed by A.D.A.M. Health Solutions, Ebix, Inc., Editorial Team: David Zieve, MD, MHA, David R. Eltz, Stephanie Slon, and Nissi Wang.last_img read more

Executive Summary: Linkbuilding and SEO for the Internet Marketing Neophyte

first_img Topics: Link Building Links to your website are very important for Internet marketing and getting ranked higher in search engines for keywords related to your business.Benefits of links to your website:1) The right links can drive traffic to your site which can convert into leads.2) Links help search engines find all of the content on your site to index that content.3) The number and quality of links to your site help determine your Page Rank (basically a measure of how important Google thinks your website is) and your Page Rank helps determine your rank for many search terms.Tips on how to get links:1) Submit your site to web directories. Focus on the directories with the best brand and traffic. We have found the Yahoo! Directory and Business.com (both require an annual fee) to be effective, and also try to give the free open directory a shot. You can also try other, smaller and free or lower cost directories, but avoid any that seem really small or just don’t look valuable – remember that the quality of the site linking to you matters. A couple ideas are: www.joeant.com, www.worldhot.com, and www.splut.com.2) Communicate with others in your industry. Search around and find people who have useful sites related to your industry. Don’t start your conversation with “will you link to my website?”, but engage them in a business and intellectual conversation about something they recently wrote. Once you have established a relationship with them, then send them something you have published on your site and ask for their opinion. You’ll be surprised how many will link to your site.3) Create compelling tools and content. We have never promoted Website Grader very much. But because it is a really useful tool that people like, lots of people link to it. In fact, in under 3 months, we already had 800 links, and over 20,000 URLs had been graded on the website. Originally published May 9, 2007 12:36:00 PM, updated March 21 2013 Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlacklast_img read more

Lead Generation for a Thought Leadership Authority – Blogs, Books, Speaking, Podcasts and eBooks

first_img Originally published Oct 19, 2007 12:11:00 PM, updated March 21 2013 Blogging I recently watched a presentation from Brian Carroll, author of Lead Generation for the Complex Sale and author of a blog called the B2B Lead Generation Blog. His presentation was quite interesting and he had these 5 suggestions for tactics to use for lead generation for a company that is trying to build thought leadership or become an authority.1) Blog.  Brian has been blogging for a year and thinks it is one of the most effective ways to get his ideas out there.  He posts 1 to 3 times per week spending an average of 2 hours per week in his blog.  I agree that this is a great technique to get your message out into the market – that’s why we at HubSpot started this blog!2) Speak.  Speaking opportunities are often overlooked as a marketing tactic, especially speaking at smaller events.  Brian likes the personal connection and says that he gets a lot more leads from in person events than web-based events.  Brian likes to speak 2 to 4 times per month.  the great news is that while preparing for one speaking opportunity can take a lot of time, if you can re-use the same presentation, you can get a lot of leverage out of your time.3) Book. Writing a book is a lot of work, and does very little to generate leads now.  But, a book is a great way to show people that you are a thought leader.  Seth Godin says that “a book is a souvenir of the ideas.”  So, don’t think about the book as a way to promote your ideas, but it is a great way to validate them and make them credible.  Finally, some interesting facts: according to some book researchers, 90% of nonfiction books sell less than 5000 copies, and it takes at least 5000 copies to make a thought leadership impact in the market.  Brian sees the book as a useful sales tool because it provides a lot of credibility and is a great leave behind for your salespeople.4) Podcast.  Brian does a Podcast once a month.  He does not think it is a great lead generation tool, he only has a couple hundred subscribers.  But, it is great for branding, because his data shows that when people do listen to podcasts, they really pay attention to them and tend to do it while driving or working out, and focus a fair amount on the content.5) eBook.  Brian defines an eBook as a “hipper version of whitepapers” (David Meerman Scott agrees).  eBooks are similar to whitepapers, but are typically more graphical and usually do not require registration.Does your company do any thought leadership?  Do you want to serve as an authority in your market?  What techniques do you use for marketing and lead generation below?  Leave a comment below. Topics: Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlacklast_img read more

What Chris Brogan and Madonna Have in Common

first_img Topics: Chris is often pigeonholed by people as the social media expert. He prefers, however, to think of himself as someone who helps small and medium sized businesses and entrepreneurs. Through his practical advice his goal is to help small businesses work better in a sustainable way. One way he demonstrates his expertise is through his blog which is constantly evolving. The direction he is taking his blog this year is making it more of a journal, allowing people to get inside his thinking process. Personal Branding Chris Brogan is a believer in experimentation and testing. He tends to experiment quite a bit, as witnessed by the number of projects he has going at the same time. One of the things he believes in is testing or trying things before he writes about them. Basically, “If I have not really done it myself, how can I talk about it?” He likens this approach to the actress Julianne Moore who says she does one film for Hollywood and then follows that with one film for the heart. The heart films provide deeper fulfillment, but the Hollywood films offer greater visibility. Chris understands that for people to read the blog posts he wants to write he needs to make sure that he writes those posts that will be searched for. This way he keeps his rankings high and remains visible. “If I am not visible,” he says, “then I am not helpful.” Trust Agent Blog Topics Newsletter He believes in changing his blog periodically to fit the needs of his readers. He likens this to way Madonna changes herself each year and as a result stays relevant. Chris senses that bringing readers more into the inside of how things are done is what they want more of. They’re asking, “What can I take out of Chris Brogan’s world and bring into my world?” ChrisBrogan.com Originally published May 18, 2011 8:00:00 PM, updated October 18 2015 HubSpot is all about helping small and medium sized businesses. We do so through our online software as well as through our blog posts, webinars, eBooks, case studies, marketing kits and videos. We’re obviously not alone when it comes to helping these businesses. Chris Brogan is also all about helping small and medium sized businesses, which he does through practical advice based on his own experience. His blog Chris is one of the most prolific writers on the Internet, and one of the ways he can continue his large output is by writing on the one hand what he wants and on the other writing what he knows will do well online and Content Marketing Experimentation and Testingcenter_img , a columnist for Entrepreneur Magazine, president of Human Business Works, “entrepreneur in residence” at Cross Tech Ventures, and a public speaker. And there is more. .  Social Media 101 Collaborate Chris is believer in collaboration and in helping people do good things. The more people you can help and the more you can collaborate with, the better it is when it comes time to look for a resource or help with a project. This is one way to have the network that can support your efforts. This blog post is based off of David Garland’s interview with Chris Brogan on his HubSpot sponsored web series “The Rise to the Top.” You can watch the full interview below. Chris says that many people try to go for the big project that delivers the homerun. His approach is more toward having many different projects that bring in their own small or medium size revenue stream. His advice is to be hungry for the win rather than hungry for the money. If you go for the win, the money will come. One of his more recent ventures is is constantly in the top 5 blogs according to Advertising Age. He is author of . For $10 a month, subscribers get 10 topic ideas a week for blog posts, plus writing advice. His subscriber base is over 480 people presently, but its growing. Chris believes completely in content marketing. For him, getting people to write great content is a win, and while this is not a home run, it’s definitely a money maker that will only increase in value. One From the Heart and One for the Search Engines In his interview with David Garland, Chris discussed a wide range of topics, including how he makes decisions, accomplishes so much, deals with failure and approaches opportunities. Hungry for the Win, not the Money Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlacklast_img read more