Fundаmеntаl Change іn Eduсаtіоn (A Rich Seam) Chapter 1

"Evеrуthіng еlѕе hаѕ ассеlеrаtеd but ѕсhооlѕ have nоt; ѕо ѕсhооlѕ hаvе bесоmе mоrе dіѕсоnnесtеd. The wаllѕ between schools and thе оutѕіdе nееd to be more реrmеаblе [Intеrvіеw wіth Larry Rоѕеnѕtосk, CEO оf High Tесh Hіgh Nеtwоrk, Sаn Dіеgо, Cаlіfоrnіа]

Intrоduсtіоn

Thе ‘рrеѕеnt past’ іѕ the dоmіnаnt mоdеl оf education ѕtіll еvіdеnt іn mоѕt places tоdау. It іѕ a mоdеl thаt is receding mоrе and mоrе rapidly as the thrее fоrсеѕ – nеw реdаgоgіеѕ, new change lеаdеrѕhір, аnd nеw ѕуѕtеm есоnоmісѕ – dеѕсrіbеd in this rероrt соnvеrgе іn an educational context that іѕ оvеrduе for trаnѕfоrmаtіоn. A Rich Sеаm is аbоut a rаdісаl сhаngе іn the rеlаtіоnѕhірѕ between аll the kеу рlауеrѕ іn lеаrnіng: students, tеасhеrѕ, tесhnоlоgіеѕ, ѕсhооl сulturеѕ, сurrісulа and assessments. Thе rероrt іѕ аlѕо аbоut how аnd whу change is оссurrіng mоrе оrgаnісаllу than еvеr bеfоrе. When conditions аrе ѕо dеlісаtеlу bаlаnсеd, the discovery of rісh seams саn quickly uncover massive lаtеnt rеѕоurсеѕ.

7 Steps for Planning Your Financial Life

I am a strong believer of managing one’s own money and finances. The simple reason is that it’s your money at stake, and your financial future that’s being planned. Nobody cares more about your money than you do. So if you are not motivated to improve your financial situation, nobody else is going to do so either…not even the best financial planner around.

I manage my own finances and see no reason why anyone else can’t do that on his or her own. This is not to say that using the services of a financial planner is not worth it. In fact, if you can find a good, ethical, trustworthy financial planner, supplementing your financial skills with his knowledge can work wonders for your financial life. Also, being your own financial planner works only if you have the time and energy to put into the job.

Investment Versus Speculation: Results to Be Expected by The Intelligent Investor

This chapter will outline the viewpoints that will be set forth in the remainder of the book. In particular we wish to develop at the outset our concept of appropriate portfolio policy for the individual, nonprofessional investor.

Investment versus Speculation

What do we mean by “investor”? Throughout this book the term will be used in contradistinction to “speculator.” As far back as 1934, in our textbook Security Analysis,1 we attempted a precise formulation of the difference between the two, as follows: “An investment operation is one which, upon thorough analysis promises safety of principal and an adequate return. Operations not meeting these requirements are speculative.”

Types of Assets in Asset Allocation (The Art of Asset Allocation)

The process of asset allocation involves choosing a portfolio by selecting combinations of investments to meet your specific needs and goals as an investor. This is done by dividing the portfolio among different asset classes. The five main asset classes that make up a typical portfolio include:

1. Stocks: Stocks represent equity or ownership in a business or company. If you own stock in a company, you own a piece of that company. Stocks have historically produced the highest returns. However, they also carry the most risk, with a tendency towards greater price swings – highs and lows – that makes them more volatile than either bonds or other debt instruments.

20 Rules for Successful Investing (Investing For Dummies)

1# Saving is a prerequisite to investing. Unless you have wealthy, benevolent relatives, living within your means and saving money are prerequisites to investing and building wealth.

2# Know the three best wealth-building investments. People of all economic means make their money grow in ownership assets - stocks, real estate, and small business - where you share in the success and profitability of the asset.

3# Be realistic about expected returns. Over the long term, 9 to 10 percent per year is about right for ownership investments (such as stocks and real estate). If you run a small business, you can earn higher returns and even become a multimillionaire, but years of hard work and insight are required.

Financial Market Returns From 1802 (Stocks For The Long Run)

This chapter analyzes the returns on stocks and bonds over long periods of time in both the United States and other countries. This two-century history is divided into three subperiods. In the first subperiod, from 1802 through 1871, the U.S. made a transition from an agrarian to an industrialized economy, much like the "emerging markets" of Latin America and Asia today.5 In the second subperiod, from 1871 through 1925, the U.S. was transformed into the foremost political and economic power in the world.6 The third subperiod, from 1926 to the present, contains the 1929-32 stock collapse, the Great Depression, and postwar expansion. The data from this period have been analyzed extensively by academics and professional money managers, and have served as a benchmark for historical returns.7 Figure 1-1 tells the story. It depicts the total return indexes for stocks, long- and short-term bonds, gold, and commodities from 1802 through 1997. Total returns means that all returns, such as interest and dividends and capital gains, are automatically reinvested in the asset and allowed to accumulate over time.

What Is Bonds (What You Really Need to Know)

Unlike stocks, which are equity instruments, bonds are debt instruments. in effect, you’re loaning the bond issuer money, which they repay with interest.

When bonds are first issued, the investor/lender typically gives the company $1,000, upon which the company promises to pay a certain interest rate every year, called the coupon rate, and then repay the $1,000 loan when the bond matures, at the maturity date. for example, general electric (ge) could issue a 30-year bond with a 5% coupon. The investor/lender gives ge $1,000; every year the lender receives $50 from ge, and at the end of 30 years the investor/lender gets their $1,000 back.

Bonds differ from stocks in that they have a stated earnings rate and will provide a regular cash flow, in the form of the coupon payments to the bondholders. This cash flow contributes to the value and price of the bond, and affects the true yield (or earnings rate) bondholders receive; there are no such promises associated with common stock ownership.

Bear Market VS Bull Market (What You Really Need to Know)

Bull and Bear Markets play a strong role in extending or ending business cycles. Millions of words have been written about bull and bear markets, but here’s what you really need to know:

in a BULL Market, the majority of investors feel very positive about the current business cycle, the stock market, and the overall condition of u.s. and/or global business. More investors leave the spectator position, get into the game and buy stocks. More investors mean more money in the market. More money in the market usually translates to more buying activity and higher stock prices. This is a perfect example of supply and demand in action.

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