American higher education must reinvent itselfAtlanta Journal Constitution (blog)The American higher-education system is running on an unsustainable business model of raising tuition and fees to cover declining government and private funding.
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Vicki Davis is a teacher and blogger. With almost 70,000 followers Vicki was named one of “Twitter’s Top 10 Rockstar teachers” by Mashable and included in Thomas Friedman’s book, the World is Flat. Vicki’s classroom and blog have won many awards including the ISTE Online Learning Award and more.
This morning I was thinking about the things that all young people should know how to do regardless of income, geographical location, life goals, etc. I started a list – see below. Some have “always” been true – some are unique to this century of...
"We now have weekly collaboration time to discuss cross-curricular themes and to co-plan at the Inquiry Hub, (more on this in a future post). However, we are struggling with a mismatch between the online courses that we had to work with, the intentions of our program to be based on student generated inquiry, combined with the challenge of blending the curriculum across designated courses, and the restraints on our development time, while providing students personalized programs. So, you can see how these barriers can work together to slow things down.
It’s always easy to pick out the reasons why things aren’t working as well as they should or could, what I’m not seeing are catalysts to help speed things up. So, I’d like to hear from others:"
Via David Truss
Sometimes teens think budget is a bad word. (I prefer the term “spending plan” but call it what you will.) Start off by asking your teenager to make a list of the things they’d like to buy or do next year and the cost. Tell them that you’re going to sit down to see how you can make it happen.
Step 1: Create a wish list
Ask your teenager to create a list of things they would want to do with their money next year. Remind them to write big events like spring break, prom or other items on the list. Have them estimate their costs for each of the items. It can also help to have them list a minimum and maximum amount for each, so you’ll have room to work.
Step 2: Create a need list
If your teenager already has a checkbook, then print out a monthly calendar and have them go through and write how much they spent on various items each month. If this is their first year with a budget, look through your own expenses from last year and pull out the things that you paid for that they will be paying for this year.
Step 3: Set expectations
Be very clear on which expenses will be theirs next year. Make a plan for how much you will give them to go toward these expenses. I think it is important to be fair. If you’ve been paying for their gas or cell phone, then you may want to consider putting that amount in their account each month.
Step 4: Set your dates
Additionally, I suggest requiring certain conditions before you make your monthly deposit. You are trying to reinforce the habits that will help your teenager succeed. These habits include balancing their bank account, paying bills on time and updating their spending plan.
Step 5: Look at income and percentages before you plan spending
Everyone has income. If your student is at college, you may be giving them a certain amount of money each week. Budgeting to spend 100 percent of the income on living expenses is a recipe for disaster for your student and for you.
For example, my husband and I encourage our teenagers to follow the giving/saving/setting aside principle we use. Our goal is to give 10 percent of our income to charity, save 10 percent of our income, and we set aside 20 percent of our income into a “freedom account.” The freedom account is for incidentals like annual car insurance. We keep a separate account, but your teenager could put this in a savings account and transfer it when those bills come due. The goal is to have at least enough in the freedom account to cover your highest insurance deductible.
Agree on these percentages up front as you discuss how they are going to plan their money. Use a spreadsheet to help with this.
Step 6: Look at infrequent bills
Other “traps” to remember are quarterly, semiannual or annual bills. These traps also could include an annual vacation. If your student wants to take a trip or go to a camp this year, figure out the cost and divide it by how much time they have to save for it until it happens. (So $1,000 for spring break with five months to go would be $200 a month in their freedom account.)
Step 7: Enter recurring bills
Look at monthly bills and plan for when they will be paid. Remember that each month you’ll have to look at cash flow, but for now you’re looking at the year.
Step 8: Consider a “wants” and needs list
If your student wants a car, help them determine what they need. Work to help your student save their money and look at options for purchasing a vehicle that will not be as expensive. Help them set a goal of how much the down payment should be.
Step 9: Look at the spreadsheet and discuss
Now, after you’ve gone through all this time, something is not going to balance. None of us ever has enough for what we want to do. (It seems.) Now is time for your student to make decisions. Balancing is not only essential, it is mandatory.
I recommend that you let your student take the budget and come back to you with a proposal and decisions about what they will do. I think parents should set the bare minimum requirements: spend less than you make, save for what you want, create a spending plan and have a routine of handling financial matters. But how they spend their money should be something you give them some freedom to do.
Step 10: Be flexible but hold accountable
Help your teenager build routines into their lives to help them succeed. Paying bills twice a month and balancing one’s bank account once a week will do that. Writing out expenses and making intentional decisions is vital.
Our teenagers can live a great life and make good decisions, but we have to help them make choices. But some choices cannot be given: they must balance and they can’t spend more than they make. Wow! What will become if we can teach these 10 simple steps.
Founded in 1943, ASCD (formerly the Association for Supervision and Curriculum Development) is an educational leadership organization dedicated to advancing best practices and policies for the success of each learner. Our 175,000 members in 119 countries are professional educators from all levels and subject areas––superintendents, supervisors, principals, teachers, professors of education, and school board members.
Prezentt is a web app that helps presenters to get a 1000% better interaction with their audience through a range of tools. Share your slides with your audience immediately, track questions and follow ups, save time and get much greater audience engagement.
Via Baiba Svenca
We are excited to announce Vicki Davis (FB, @coolcatteacher) will be joining us as a keynote speaker for UCET 2015 (#ucet15), held April 2 and 3 at Herriman High School (@OfficialMustang).
“Vicki Davis will help you teach with better results, lead with a positive impact and live with greater purpose. If you want to know what 21st century teaching looks like, many including Thomas Friedman in the World is Flat and Don Tapscott in Grown Up Digital mention Vicki as an example. The ISTE Online Learning Award, pioneer in Open Source Virtual World Technology, and Edublog Award for the Best Teacher Blog are three of the many honors she has earned.”
“Vicki’s two books: Reinventing Writing and Flattening Classrooms, Engaging Minds, empower teachers to connect their students to technology and the world. The Cool Cat Teacher Blog, is consistently among the top 50 blogs in education worldwide. In 2013, Mashable named her one of “Twitter’s Top 10 Rockstar teachers.” She has created more than 20 global collaborative projects connecting students from more than 20 countries.”
“Vicki hosts the popular Internet radio show of best practices for busy teachers “Every Classroom Matters” on the BAM Radio network. She has shared her exciting story at more than 30 conference keynotes around the world and through webinars. The Ignite Show named Vicki a “thought leader in residence.” Her articles appear in Edutopia, the Washington Post, the Atlantic and more.”
“Vicki is a Google Certified Teacher and Discovery S.T.A.R. Educator. She lives in Camilla, Georgia, teaches full time at Westwood Schools and is a wife and mother of three.” – http://www.coolcatteacher.com/bio
Celebrating its 6th Christmas season in Second Life, Calas Galadhon Park has dressed up for the holidays with a number of fun winter activities. Join in the fun skating across frozen lakes and waterways, sledding the hills and valleys or taking a cross-country ski tour through the countryside of four winter sims. A perfect way to get into the holiday spirit!
The right image may be just the added touch your blog post or social media update needs to get noticed, but finding free, high-quality photos that you can use is challenging. You'll want to bookmark all of these resources to use time and again.
Via Dr. Susan Bainbridge
If you want to know what 21st century teaching looks like, many – including Thomas Friedman in the World is Flat and Don Tapscott in Grown Up Digital – mention Vicki as an example. The ISTE Online Learning Award, pioneer in Open Source Virtual World Technology, and Edublog Award for the Best Teacher Blog are three of the many honors she has earned.
About Vicki Davis
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