Wednesday, December 30, 2009
Monday, December 21, 2009
Not investing soon enough — I have been working part-time since my first year at college in 1991. If I had known what I know today, I would have invested my money in an IRA from day one. But like many other young adults, I was thrilled to have money and to spend it all on things that I enjoyed — movies, games, electronics, etc. If I had invested just $2,000 per year while I was in college, that $8,000 invested in an S&P 500 index fund would be worth about $36,000 today.
Not knowing the basics— When I finally began investing, my first move was to give my money to a full brokerage firm to invest for me. I didn’t know anything about stocks or mutual funds. I just knew I should invest money to make more money. This was a big mistake since each trade executed by my broker cost a lot of money. Also, the mutual funds they picked weren’t good, and were very expensive.
Chasing past performance — Once I got smart enough to switch to a discount broker, I committed another mistake. I chose mutual funds based on their past performance and Morningstar rating. I picked several loaded / high expense-ratio funds that lagged the general market in the subsequent years.
Experimenting with my IRA — Back then I had tons of ideas. Unfortunately most of my money was in IRA, so I experimented using my retirement money — big mistake! First, money lost in an IRA cannot be replenished. I was allowed to deposit $2,000 per year and that was the limit. Second, I could not claim my losses as tax deductions. Since the IRA was tax-sheltered, the loss was simply a loss. [Learn more about IRAs.]
Not paying attention to expense ratios — Not until recently did I realize how badly expense ratios can affect investment performance. I always thought “it’s only 1%, what’s the difference,” and went for the investment with better performance. I finally ran some numbers and I was shocked to learn that a difference of 1% can lower my investment performance by 25% over the course of 30 years. Instead of ending up with $1 million, for example, I might only have $750,000.
Not paying attention to distributions — This is another number that I did not pay attention to back then. I held some funds in my IRA and some in my regular account. For a couple years, I thought high distribution was really cool because I was making more money. How silly was that? Now I realize that I am paying other people’s taxes when I get mutual fund distributions. Now with my regular account, I invest either in low distribution funds or in ETFs. (Distributions do not affect IRAs.)
Not paying attention to asset allocation — Way back when, my investment was mainly in large-capitalization U.S. stocks and funds. I did not know about asset allocation as a risk management and performance enhancement tool. It wasn’t until 1999 — when I became eligible for a 401k — that I started giving asset allocation serious thought.
Ignoring diversification — Again, with little experience and little money to invest, I was going after high-flying stocks (at least I thought they were) and did not pay any attention to diversification. Like asset allocation, it took me a long time to realize how diversification helps to reduce risk and enhance performance. The value of diversification became apparent to me at about the same time that asset allocation did.
Selling winners and keeping losers — This was my all time weakness. I knew the concept of “buy low and sell high.” So with little experience, I ended up selling a lot of my winners like Staples (SPLS), Ameritrade (AMTD), and Microsoft (MSFT) to lock in the gain; but held on to my losers like Flemings (FLMIQ) and eToys (ETYS).
Cost averaging down — This was another “buy low and sell high” mistake. Not only did I hold on to my losers, I bought more shares in hope of lowering my cost basis and reducing my losses. I did this blindly without additional research to find out why these losing stocks went south.
Investing without a goal — Not until recently did I define a real goal for my investment — among other things, one of my investment goals today is to build a $1 million investment portfolio by 2017. This is my main retirement portfolio. Other goals, which I am still defining, are investing to subsidize my kids’ college expenses and my parent’s retirement expenses. Without a clear goal, I was chasing short-term performance and was prone to act on market swings.
Selling on corrections & buying at the top of the market — These are symptoms of not having a clear goal. Since I was chasing short-term performance with the objective of making more money. I occasionally gave in to my emotion and sold my investments during corrections to protect my gains. Occasionally, I did come out ahead, but most of the time I ended up rushing to reinvest my money as the market invariably rose after these corrections.
Friday, December 11, 2009
Saturday, October 24, 2009
I work daily and make a decent living, but is it all truly worth it? The children have changed and yet they stay the same. Don't get me wrong, I am thankful I have a job, but to get up and go to a place and be confined for eight hours of the day. Man, to some extent that is too much! People bring stress to you for no reason. Do I want to continue to live this way. My job doesn't define who I am. Ten years gone, will another ten go by and wow, I am 44? What will I have accomplished then? Been thinking about my future and what I want to be when I grow up.
There are a few things that must be done soon:
Escalade paid off
Wachovia paid off
MEA paid off
Thinking big things for the future, what is the worst thing that could happen? I want to teach online courses instead of going to a traditional school. That will free me up to do other things that I am interested in. Realized that things I once was interested in, they no longer are important to me. My health, future, and longevity are a few of my main concerns. I am not this typical person and I understand that. It will be like just graduating from college and coming home and looking for a job. Starting over fresh. Save some money and use that cash to purchase a home. Fix it up and rent it out. Wait some time and it should be worth more than I spent on it. Make the money back and a little more.
I just don't want time to keep passing by and I have stood still for twenty years. That can't happen to me, I will not do that to myself. Change is here and I am going to use it to my advantage.
Sunday, September 27, 2009
Sunday, September 20, 2009
Making More Money
In order to make more money, I have started working the after school and Saturday programs. That will give me 16 hours more of my hourly rate a month. The money will be put to good use. Also, my financial aid was reinstated. Due to all of the financial issues I have been facing the past few months, I don't have a savings anymore. I will use this month to replenish the missing cash.
With all of the financial woes, I haven't purchased all of my books for one course. I spoke with the professor last week to inform him of my issue, he understood. I ordered the books the other day, hopefully, they will be here by the end of the week.
- Complete all articles for KAM I
- Send articles to Dr. Moller
- Complete all back assignments
- Complete all other assignments
- T-Mobile 64.00
- Knology 75.00
- Mediacom 94.00
- braces 109.00
- US Dept of Education 25.00
- doctors bill 150.00
- Suntrust 579.00
- Bank of America 567.86
- mom 100.00
- First Premiere 100.00
- savings 850.00
Things Needed to Get Fixed to Move
- 3 ceiling fans
- 2 doors
- walls fixed
- paint for both rooms
- spray for house
- tree limbs cut off of roof
- shrubs cut from around house
Am I in Control?
Control has to be brought back to my life. Floating throughout life is not an option for me. I have big plans for the future. Six year plan is what I am looking forward to taking care of. There are so many things to life and I want them all.
What needs to be paid off in order to be able to move during the Summer of 2010.
- Tax Lien 4,999 (not exact)
Big plans for the future. What I see for my future is owning several properties, group homes, selling candles, and being an Instructional Technologist. How will I make all of these things happen? The plans are falling in place now. Take my time, save money, organize my thoughts and efforts, and continue to know that I can do all things.
Monday, September 7, 2009
Things I have done
Paid off my Portion of the Tax Lien
Uploaded Resume to Monster.com
Cleaned out my Car
Started Washing Clothes
Got New Tires for Liam
Paid my Mother back $850
I have money, but don't know what to do with it. Again, honestly, I just don't know. Been working really hard to find out what will be as far as my financial aid. As I stated previously, there is a disconnect between academic advising and financial aid. I have met all criteria's and know that financial aid should be reinstated. Will call tomorrow to find out what is going on. They say it takes 24 to 72 hours, but in some instances it has been 2 weeks. All I need to know is yes, you will receive financial aid for this term and the next.
Things I Will Do
Apply for 20 different jobs
Write a philosophy of teaching
Turn in all homework on time
Complete my Depth component (10 article summaries)
Write a Will
Pay off Wachovia
Pay off other portion of Tax Lien
Prepare to move
My credit score has gone up. I have two 645, and 1 596. What can I do with that? I am tired of wallowing in self-pity. There has to be a change coming soon. No matter what goes on, there is always something else to counter act the positive. Tired of the flawness, things will get better. It has to start with me.
Tuesday, September 1, 2009
Working Toward Making it Happen
No financial aid for me. Yes, I am on academic probation. Totally my fault, I admit my wrong. Now, I should be eligible fo financial aid again. Talking with financial aid and academic advising for the past week has helped. There is a disconnect in communication. Tomorrow, I will contact academic advising to have them email a statement verifying that I have made my gpa and my rate of completion. Everything should be a go.
Paid off my portion of the tax lien, $956.35. I also had to give my mother her money back, $850. This shows me that I have money to pay bills, just managing and doing right by the money is what always tends to get me.
My Six Year Plan
Thinking about my life and realizing that there are six years before I am 40 years of age. What will be going on in my life at 40? This is why I came up with my six year plan. Sorting out each year with what I should have accomplished will help me accomplish my goals.
Year 1 September 2009-2010
KAMs 1, 2, 3 complete
Finished all classes
Tax Lien Paid Off
Moved from 617 Wilder Drive
Wachovia Paid Off
Financial Aid (Got that)
Turned house into personal care home
Bought 1 four bedroom
Working on dissertation
Sunday, August 30, 2009
Reflexology Foot Massage
Shrimp with Potato Salad and Frosted Brown with Strawberries
Looking at my finances overall, I am in a good place. It is frustrating when I want something and I can not get it. I have to put myself in a position where I am financially able to do the things that I want, when I want to. Paying cash for items instead of having them financed. That is the point that I am waiting for. Not living above my means, but living comfortably.
This is another random thoughts, not completely finished, but how I feel right now about what is going on in my life. Which is so much, the birthday weekend was wonderful and I am glad to have seen another year. Hopefully, it will be many more. What I can do is enjoy everyday like it is my last. Not worry and stress over things I can not control that is what I am striving to do. Also make a little money well I am at it. There is so much that I want to learn about life, money, happiness, and just being.
Thank you for this platform to post my feelings and view. I will achieve financial freedom and I will not be to old to enjoy my harvest. Continue to live life to the fullest and never do anything in excess. I didn't mean to rumble, I just needed to say what was on my mind.
Sunday, August 23, 2009
Things that have been Going On
Work started back the beginning of this month, this has been really tiring for me. As a matter of fact, I am tired right now. Just getting back into the swing of getting up at 6:00 am, taking a shower, to make it to work by 7:30 am, and be on duty by 7:40 am. Staying at work until 4:00 pm Monday through Friday for 180 days, does take a toll on the body. Not only that, dealing with middle school age children and co-workers can be stressful.
Don't get me wrong, I do enjoy my job and am proud to have one. Teaching for 9 years, the time has flown by. I have said time and time again, that I want another job. Thinking about it, going through the interview process can be more stressful then the actual job itself. To some degree I feel that I can't do anything else. I don't know, it is somewhat discouraging being in a position that you want to change, but don't have the motivation to change it.
Working for 9 years has given me money to do the things that I want. Truthfully, I am not where I want to be. Using My Financial Success has allowed me to organize my finances and be able to pay off my debts and get my bills to under $500 a month. That took time and dedication.
July and August have been very intense months financially for me. There have been some things that I was trying to do, that took away from my savings. Still recouping from that. Also, having to pay for school made a big change in my life. Mentally, I have gotten to a point that I am tired of being in school and really need to do what it takes to get it done. Today ends this term. Now, there are only 3 courses, 3 KAMs, 2 residencies, and 1 dissertation until I am done. So looking forward to that.
Currently, I had to go into my savings, which is fine. Reorganizing my finances has been something that I needed to do for the betterment of me. For the last few years I have been saying 40 retire. Well, that is 6 years from now. I also said that at the end of this school year I would not renew my contract. I don't see that. What will happen is work until school is done. I don't know how long it will be before I am able to receive financial aid. If I am unable to get it I will continue to pay for school. If I am able to get it, I will use it and that will be more money coming to me. That is a true catch twenty-two.
Wachovia $100.00 ($2,555.57)
US Dept of Edu $25.00 (13,402.56)
Knology $ $70.04
credit card $50.00
tax lien $990.00 ($5,500)
Plans for the Future
Of course, I have to pay for school that is a priority. I also had to borrow money from my mom that will be paid back at the end of this month. I still haven't paid anything on the tax lien. My portion will be paid at the end of this month too. Don't go to the beach this summer. I plan to go for Labor Day just need some type of relaxation.
Sometimes I can't see the forest for the trees. That's neither here nor there.
Walden University: $2,000 per month (October and November)
savings: $2,000 per month (September, December, and January)
Giving instructions is something that I enjoy, but I don't know what the future holds for education nor our youth. The teacher has been tasks with so many objectives that teaching really is the last thing that there is to do. I know I will not put in 25 years in the classroom. I am already tired and school just started. To me, my out is real estate. 10 properties by the time I am 40. There has to be a better way. There is it is just up to me to make it happen.
If this has seemed jumbled or just not fluid forgive me, this is how I feel right now. These are random thoughts that need to be put into action. In the words of Tim Gunn, I will make it work.
Tuesday, August 11, 2009
Tuesday, July 28, 2009
I have been thinking about my life and all it has to offer. Time is not slowing down, as a matter of fact, it seems to keep on moving forward. Another 190 days is around the corner. How will I manage my time? Work on my homework is much as possible. Right now this is a priority for me. Also, I need to maximus my profits by doing extra things at work if I can.
During August, there are many things that I will accomplish:
Pass the three courses that I am taking. I have to pay for school too. The end of August I will pay $2,000. The term doesn't end until November, I have time to get this taken care of.
I have been in school since August 2005. I took a leave of absence and now I am in it to win it. My hold ups are writing these papers. They are called KAMs. I should have had them complete a long time ago. I have to write three of theme. At this moment, I only have 3 classes, 3 KAMs, 2 residencies, and 1 dissertation to complete my Phd. The courses and the residencies are the easy part. The KAMs and the dissertation is what is getting the best of me. I know it can be done. At the end of the month, I have to purchase the two books for the Breadth Component of KAM I. I will have it done by November. I can see what lies ahead, it is just a matter of focusing and doing what is needed to become Dr. Willetta Jackson.
First Premier $100.00
US Dept of Edu $25.00
Tax Lien (Explorer) $956.35
This is everything that I must pay for the month of August. Things are slowly getting taken care of. I am so proud of myself and my accomplishments. I have wasted time and money and now is the time to get it together. I am not getting any younger and I must use my resources to the fullest.
In the mean time, throughout the following school term, where there are ways to make extra money I will be there. The extra cash will help me pay off Wachovia, First Premier, and Walden. All things are possible, I must just believe.
Right now, I am about to complete my assignment for my Principles of Distance Education course. I am proud of myself and who I have become. I am capable of doing all things. All I have to do is believe.
Thursday, July 23, 2009
Where do I see myself on the Static-Dynamic Continuum.
As for now, I am on the Static end of the continuum, but after taken EDUC 8842, I am going to move toward the dynamic end. Static is where the technology is unable to be changing. On the Dynamic end, the learner is more involved on a deeper cognitive level. This is where you use Moller (2008), virtual simulations and gaming, multi-user environments, and mind tools.
Postulate on how you can begin to move toward the dynamic end of the “static-dynamic continuum” as a result of what you have learned in this course thus far.
In order for my class to move from a Static to a Dynamic classroom, I will have to let the students be more involved in the planning of the course. When deciding what standards I will cover the students will assist in determing what they actually want to learn from the course. While doing assignments, they can add things to the assignment that is not necessarily a requirement of the standard. Giving them a opportunity to explain or go in details on how they would create or do something better will move me in the Dynamic direction.
Moller, L. (2008). Static and dynamic technologies. Laureate Education, Inc.
Monday, July 20, 2009
In not having to pay for school I will have a free $2,000 at the end of July and August. The loans monthly payment is $187.00. I took out a $5,000 loan. Thinking and organizing my future financial moves has been trying and I have things completely mapped out.
This term has been paid for as I stated. The next term starts in September and lasts until November. Paying for this term is a thing that must be done. It will be done by the end of November. How? Ok, every month brings an extra $2,000. I will not start paying for the fall term until the end of September ($2,000). In October another $2,000 the term will be paid off then. Until I complete school every two months I will pay $2,000 for the term.
I know that financial aid is a good thing. On the other hand, it isn't because that is money that will have to be paid back once I complete school. I already owe about $55,000 in school debt, if I continued to receive financial aid by the time I graduate I will owe over $100,000. Not trying to have that much debt on my report. I am looking at things in a positive light. Yes, I was hoping I would get financial aid once I passed my courses, but I didn't. Truly, this was a blessing in disguise, honestly it was. So thanks for that!
The total of the tax lien was almost $12,000. Now, it is $6,000 give or take a few. Those in between months that I am not paying for school I will pay off the tax lien. The lien is broken down by two vehicles. The Escalade and the Explorer. The Explorer is the cheaper debt and it will be paid off at the end of this month.
All I know is the lien will not be a factor by the end of 09. Leaving that in this year.
Alright, I know I said I wouldn't get another loan, but I just had to try. Obtaining the loan has stopped much stress I had in having to pay for school. It threw my off when I was told I wouldn't get aid for school. That is A ok! The loan will be paid of in the next three months I believe. My plans are to pay off the loan before the end of the year. In doing this, it will benefit my credit score greatly. Once this loan is paid off I am going to get another one maybe for more money and have it paid off soon too. I have a plan just work with me on that. I am not going backward I promise.
US Dept of Education $13,000
Wachovia will be paid off by the end of the year. I have been paying $25.00 a month of the US Dept of Education loan. Slowly getting things taken care of. In my mind it is ashamed to have undergraduate debt and I have been out of school since 2000. Go figure. It will all work itself out.
My Savings Plan
I started saving a few months ago and have been dipping into my money. One thing I can say is I put it back. In my savings account I have about $100. When I get paid at the end of the month that will be $1,000. My goal is to have at least $5,000 by the end of the year.
Every other month will be a payment. Paying something toward my debts. School is a priority and I think I finally have it under control. Work with me. Eventhough, I have been paying things off, I still have been wasting money. At some point it has to come to a stop. I see what is going on and I contribute that to My Financial Success. Having to be accountable for my actions is a big thing. Not overdrawing in my account, doing what is right by my money, and learning from others has put a big push to pay off all of my debts. I have a plan and I know it will work all I have to do is stop wasting and do right by the money I receive.
Determine which technological tools and strategies are best for involving learners in building content knowledge, engaging in communication with peers and instructors, and working on authentic, collaborative, problem-based tasks in the online environment.
One strategy that's best for students is that they, Durrington, Berryhill, & Swafford (2006) build interactive relationships among themselves and with the instructor also helps bridge the physical and psychological gap that occurs in online courses. Doing this will lessen the stress of not knowing anything (pg. 190). Being in an online environments can have one feeling isolated and alone. Building relationships will allow the student to have someone that is experiencing the same things to a certain extent.
Also, to support student interactivity in an online environment, Durrington, Berryhill & Swafford (2006) state, the learning environment must be supportive, open, and respectful. The instructor should in the beginning of the course give a detailed syllabus outlining the expectations for each assignment and how you should interact with your peers. There should also be a discussion area that allows for questions where the instructor and peers can respond to one another. All people should participate in this area, the instructor should answers question. The instructors presence should be known within the course.
The instructor as well as the students should ask questions related to their posts. If the instructor poses the question, the question should be in such a way Durrington, Berryhill & Swafford (2006) that all students feel comfortable in responding. The instructor should challenge the student to do more research. In this online environment we don't think to send a private email showing appreciation toward an in-depth response that was given to a post. This will support future participation and enhance the quality and depth of overall interactions within the course.
Overall, the instructors presences needs to be active in order for the students to feel comfortable in an online setting. This type of learning is different than the traditional setting and it offers the same type of results. The students need to interact with one another and need to be kind. The online classroom is different in that the learners are not at the same place at the same time. Regardless of that learning can be achieved if the students are given guidelines and standard to follow. They should know that their interaction with one another is a key part of the online standard.
Saturday, July 11, 2009
Thursday, July 9, 2009
How should participation in a collaborative learning community be assessed?
There should be a variety of assessments in the online learning community. Palloff & Pratt (2005) feel, evaluation of students in an online course can be challenging. Since you are not in a traditional setting your evaluation needs to assess what learning has been achieved. Eventhough learning is being done in the online classroom the assessments can still be the same. Paloff & Pratt (2005) provide several factors for online assessments.
- Design learner-centered assessments that include self-reflection
- Design and include grading rubrics to assess contribution to the discussion as for assignmnets, projects, and the collaboration itself
- Include collaborative assessments through publicly posting papers along with comments from student to student
- Encourage students to develop skills in providing feedback by providng guidelines to good feedback and by modeling what is expected
- Use assessment techniques that fit the context and align with learning objectives
- Design assessments that are clear, easy to understand, and likely to work in the onine environment
- Ask for and incorporate student input into how assessment should be conducted
These guidelines set a standard on how grading will be done within the course. Having a variety of assessments gives the student that doesn't work well in groups a opportunity to shine on their individual assignments. This levels the playing field because people are different.How do the varying levels of skill and knowledge students bring to a course affect the instructor's "fair and equitable assessment" of learning?
There are several examples that come to mind. For instance, student A responses and turns in assignments first, but the contribution as for as responses to classmates and blog posts are minimal. On the other hand, student B turns assignments in late, but gives thoughtful feedback to others. The blog posts are detailed and provide useful information to all that read. The instructor should grade the individual on the contribution to the course and how well the assignments where done.
Communication is the key in making this work. If the student doesn't want to participate this needs to be discussed amongst the team. The team should reach out to the person and find out what is wrong and how they can assist. Once the students have reached out to the member and there is no cooperation. The instructor should be informed of the students lack of interaction with the group. Also, overall reminders to participate in the course should be given by the instructor. Palloff & Pratt (2005) state, the instructor can ease the degree of resistance in the group by simply explaining why the activity is occurring and how it contributes to learnin objectives for the course. Ultimately, it is up to the instructor on how they will assess that individual student.
What role should the instructor play?
The instructors role in this is the facilatator. The instructor gives the assignments and provides the assessments. He/She will leave comments within the course shell providing scholarly dialict amongst the students. The instructor should provide information to the class that will introduce students to new information and or technology. Overall, the instructor should be the backbone of the course.
What impact would this have on his or her assessment plan?
As I stated, the instructors role is to provide information, feedback, and introduce the students to new technologies. The instructor should assess the individual on what they provide to the course. People are individual and what one is good in another my be slacking. The assessment should be done on the quality of the work, how they interact with others, and if they do the work at all. The instructor knows when the student logs on and how long they stay within that shell.
Palloff, R. M., & Pratt, K. (2005). Collaborating online: Learning together in community. San Francisco: Jossey-Bass.
Friday, July 3, 2009
Monday, June 29, 2009
No longer will I finance anything. All of my purchases will be with cash, check, money order or cashier's check. The interest rate and fees are ridiculous that are charged when you finance or take out a loan. What is the point? The extra cash you spend payin on that could be going to something else.
As for my cable, I got rid of Showtime. I am slowly cutting the extra channels. The phone and Internet can not be cut. I am sure there is something that could be done about my fews. To total I believe my monthly pay out is about $400.00 a month. That really isn't that bad. Working toward cutting more costs.
The tax lien has to be paid separately, so I am going to pay $450.00 for July and August. Those two payments will pay for the Ford Explorer. In September, I will pay $1,000 a month to get the Escalade paid for. Never let anyone use your SSN for anything. I can admit my ignorance. Also, if you purchase a vehicle out of state the sales tax is not included in that purchase. The SSN thing I knew that and I thought the person would handle responsibilities, I was wrong. Purchasing a vehicle out of state and tagging it in another county was new on me. You live and you learn.
These are my serious debts
Tax Lien $6,000
US Dept of Education $13,000
In order to pay off my debts, I will put all of my extra cash toward the above listed challenges. Figuring out other avenues where I cut corners on spending. $24,000 will be paid off by August 2o1o. I will say it over and over, the money I make is not mine if I owe a collector. I will pay off these debts and have them behind me. In the mean time, I will save cash too. No longer will I waste the money that I make. I have a goal to retire by 40. Doing the things that I have been doing in the past have not been successful. Changing my money habits will benefit me and my family in the long run. Building generational wealth is my goal.
Haven't heard anything from my appeal letter for reinstatement of my financial aid. Will call tomorrow to find out what is going on. They said it would be 2 weeks, it has been 15 days.
The other day, I went to Barnes and Noble and looked over some personal finance books. They really motivated me to get back on track. Really tired of wasting money.
It takes a person to finally get tired of things to really make a difference, well I am tired.
Saturday, June 27, 2009
The Future of Distance Education
By: George Siemens
EDUC 8842: Principals of Distance Education
I agree with Siemens view on global diversity, communication, and collaborative interaction. These elements do create an effective experience and allow distance education to stand on its own. Traditional classrooms offer face to face interaction and is scheduled at a specific day and time. Online learning gives the student enonomity and affords an opportunity to interact with individuals with whom they may not in an traditional setting.
Distance education benefits corporations by allowing them to interact with different offices around the world.
What online tools are available today to facilitate these interactions among leaners?
There are several tools that will facilitate interactions in the online setting.
Assignments within the course shell allow for dailouge.
Blogs, Twitter, Facebook, and other online social network sites give students another avenue to discuss course assignments.
Skype gives classmates a chance to use new technology to hold conversations about the courses.
Not only can these tools be used with the students, it can be used with the professors.
Siemens stated examples of what fuels distance education's growing acceptance:
The increase in online communicationPractional experience with new toolsGrowing comfort with online discourseAbility to communicate with diverse global groups
Distance education will continue to grow and change. Siemens feels it will be impacted by:
New communication technologies
Contribution by experts around the world
Increased use of multimedia, games, and simulations
Also in moving toward a growing shift in online education, it has been called the triple helix model of education. This is where universities, government, and businesses work together to provide and equip students with the online environment.
Sunday, June 21, 2009
Thursday, June 18, 2009
Working with my finances has taken patience and understand. The patience has to come from within. It has taken time, learning, and building to get to where I am. Do not be afraid to discuss your finances. Your money isn't a dirty little secret. Stand up to them. The money is yours. Don't spend more than you make. Save some and grow from what you have. Material items what do they really mean? Honestly, nothing, and I know that. This is why I am working toward having something in the future.
Paying Bills on Time
Paying my cable bill was interesting. I was told that if a technican has to come out it is a $29.00 fee. What is that? I have some understanding of what the problem was. Paying my bills at the end of the month is putting me a month behind. The cable bill was the first bill that I paid when it came out. This is a new routine for me. Sticking with it will eliminate the late fees. I also paid my cell phone bill.
The tax lien has taken time to get situated. Taking time to send paperwork to the Dept. of Revenue has cut penalties, fees, and other costs in half. Now I have to determine how I will get this debt taking care of. I know I have have it paid for before I can qualify for a loan. The quicker it is paid for the quicker I can move and get rental properties. Push comes to shove I can have this paid off in 6 months (December 09). This will give ample time to get my credit score up to move by the summer 10.
My gpa is a 3.26. I am so proud of myself. With my gpa going above a 3.00 I am eligible for financial aid. Getting my courses done and completing the KAMs will have me a step closer to completing the program. My mind has to be in order to organize all of the things that I need to do to get things done. Procrastination is something that I have to get rid of. Something that has been racking my brain is what to do with the PhD once it is obtained.
Life After PhD
Having an online business would be great. Do I want to do the business school for secondary students, and adult learning center, buy duplexes? What do I do? So many choices and I know I can do more then one thing. Thinking less of myself is an issue too. I deserve so much more and being able to obtain it is totally up to me. Know what I want is the thing, I see it and getting to it really takes focus. To be in the world and not of it is such I serious thing.
savings $300.00 (Peggy, I am paying myself)
Tax Lien $500.00
US Dept of Education $25.00
There is someone that has been helping me sell my candles. Coming into my cousins house, I made $30.00 in a matter of minutes selling Betty's Only candles. I will be giving him candles once a month to sell for me. Sitting on money. Just want to get the candles out there.
Posting on My Financial Success
Writing on my blog has helped me see what I am doing wrong with me money. Accountability and effort is what it has taken me to see the forest for the trees. Being honest to you about my money helps to be realistic about the money and what I do with it. I remember asking, "Where is my money going?" Now, I can say I know where my money is going.
This post may be scattered and given me a sounding board. Posting is relaxing and allows me to express myself.
Sunday, June 14, 2009
I passed my courses this past term. I am taking two courses now and my independent study. Paying for school was trying and it let me know that I make a decent amount of money. It is all about doing the right thing with my cash. Now that another term has started I am waiting until tomorrow to find out if my GPA has increased. This will allow me to get financial aid which is greatly needed.
Paying Bills On Time
Thinking about my finances has me realizing that I have late fees on my accounts due to paying my bills when I get paid at the end of the month. Starting this month, I will pay my bills when they come.
Disputing the tax lien made a major difference in how much I have to pay. In the beginning the tax lien was almost $12,000. Now it is $6,000 and that will be paid off by the end of the year. Paying the lien will allow us to finally be able to move and for me to get more properties.
The strangest thing happened with my online banking. Monthly, I pay for my braces using this service. In the mail, I received a late statement for $243.00. This is a late payment for May and June's regular cost. What has happened? May's bill has not been paid. The last time that I talked with secretary at the orthodontist office the May payment came the June's. I owe a late payment for this. Where was the check? This was an incident that occured that can't be explained. I have learned and I am truly thinking of taking the payment with me from now on. I will have to see first.
Things that I have done
back speaker fixed
Things needed to do
renew Betty's Only
raining and headliner (Liam)
grill fixed (Liam)
get financial aid
Tax Lien $200.00
US Dept of Education $25.00
These are the things that I am currently experiencing. Daily, I learn from others and try to stay focused on what is important in my life. There is still so much more to learn. My posts are about my life and what it takes for me to obtain the financial security. Growing and building is what I am focused on. All I can tell you is what I know and read from others.
Wednesday, June 10, 2009
After reading the three articles by Moller, Huett, Foshay, and Coleman, and watching or listening to the Simonson videos, compare and contrast the reasons these authors believe there is a need to evolve distance education to the next generation. Do you agree with their positions? Why or why not?
Moller, Huett, Foshay, Coleman, and Simonson believe there is a need to evolve distance education to the next generation because as time moves forward learners become more advanced. Coleman stated that distance education has been around for centuries or decades. For instance, the matchbook covers (be a detective online), correspondence schools, and distance education have offered e-learning to assist those people that want to learn other than using a conventional system.
Simonson says, today, distance education is widely adopted and approaching critical mass in society. With this growth, education is going to have to fit the learner. As a society, we are moving toward individualized learning, and distance education will provide that for the individual. In the k-12 environment, years ago there were no computers in the classroom, now each room has at least five. The education has to be geared toward the learner. The youth of today have the Internet, cell phones, video games, just to name a few. Having the variety of technologies, the education will have to adapt on order to meet the needs of the learners.
I do agree with their positions. The students that I teach are somewhat advanced and in order to grasp their attention the education needs to fit their interests. These student use the Internet and cell phones to interact with one another. Why can't they use these mediums when it comes to education?
Moller, L., Foshay, W., & Huett, J. (2008, May/June). The evolution of distance education: Implications for instructional design on the potential of the web (Part 1: Training and development). TechTrends, 52(3), 70-75. Use the Academic Search Premier database, and search using the article's Accession Number: 33281719.
Moller, L., Foshay, W., & Huett, J. (2008, May/June). The evolution of distance education: Implications for instructional design on the potential of the web (Part 2: Higher education). TechTrends, 52(4), 66-70. Use the Academic Search Premier database, and search using the article's Accession Number: 33991516.
Huett, J., Moller, L., Foshay, W., & Coleman, C. (2008, September/October). The evolution of distance education: Implications for instructional design on the potential of the web (Part 3: K12). TechTrends, 52(5). 63-67.
Wednesday, June 3, 2009
Check us out to see our progress. We will work together to lose weight.
Monday, June 1, 2009
get speakers fixed on Liam $170.00
headliner and raining in Liam $500.00
front yard landscaped $500.00 I guess
house cleaned free
throw away things haven't used or worn in over a year free
Financial Obligations other than monthly bills
US Dept. of Education $13,402.56
Tax Lien $12,000
I wrote a letter to the Dept of Revenue in reference to the tax lien. The total cost has escalated to $12,000 give or take a few. That is awful, there are fees, court costs, accrued costs, and other fees that have come along with having this debt. First, I would like to say yes, I did receive paperwork on this debt, but when I inquired about the debt I never received anything stated exactly what it was in reference to. I have no problem paying the debt, I just want it to be a reasonable price.
Once the lien is taking care of I will prepare to move. There are always things that appear. They are there laying dormant, waiting for the most inopportune moment to rear their ugly face. That will not get me down. I will continue to build from what I have, put my cash to good use, and learn from others. I am looking forward to achieving financial success.
Last month, I started to save some money. It is about time. Within the last few months, I have finally realized what I am doing with my money and how to build and use what I have. I want to thank you and my blog for being there for me to sort out my financial ups and downs. This has truly been a learning process. My learning will never stop. There is so much more to be done with my money.
As for my savings account, I have had this for as long as I have had my checking out. I only had the minimum in it, that is a mess. I started to put money into it last month. Now I have $506.00 in my savings account. That is something big. When I get to $1,000 I may open a Roth IRA.
Paying for Walden University was a big step for me. I recieved a B in my class. Hopefully, I will be off of academic probation. Now, I am taking 2 courses this term. If I have to pay for school that will be another opportunity for me to achieve financial freedom. Turn obstacles into opportunities.
My doman name has expired, I must renew that. O, I haven't purchased my books for this term. That is another financial obligation, that is something that I should have done last week. Crazy.
As for Betty's Only, I have looked into getting a business license, that is something that will be done within the month. There has to be a way to promote Betty's Only. I have a product, I just need to promote it.
This is what is going on with me overall. There is more to say, but finally it all depends on my focus on the situations. What is more important? There is so much and I know I can get it all done. I don't want to work like this forever, there is another route. I know what it is, it is all up to me to get my finances and thoughts in order. Do right with what I have and I can achieve more.
Sunday, May 24, 2009
Finally, I am at a point where I know where my money is going. It has taken time, focus, dedication, and determination to actually see. Being sick and tired of overdrawing in my account, not knowing where money was going, and not being able to get the things done that are necessary. That is finally over.
Somethings that have Helped
1. Cutting up my check card
2. Not eating out
3. Filling up on 1/2 a tank
4. Monitoring my spending
5. Not purchasing wastefully
This month has brought about savings. I am still paying off the things that will allow me freedom, but I put up a little cash in my savings account. There is a checking and savings account with the same bank. I have the minimum in my savings account. I transferred $100 into my savings account. Now, I have $300 in that account. I will not withdraw this money for any reason. If I do have to withdraw I will put double back. That is my promise to myself.
In another account, I usually use this account to withdraw and replace money in the other account. I don't mean to be confusing, but I have stopped withdrawing from that account. Things are truly looking up. Other than the lien, all debts are up to date. School will be out for me as of Wednesday. This will give me some time to figure the lien out. I have to get an understanding of the total debt. Once that is done, I will start paying this off. The sooner the better.
Overall, I am proud of the growth I have made, there is still more to come. Since the month was hectic, I didn't go grocery shopping. There has been a cookout or something daily so that saved some money.
Is paid for now I have to complete one more assignment. The term actually ends tonight. My grades should be good enough where I can get financial aid. Have to see how everything goes.
Water $ 90.00
First Premeire 100.00
US Dept of Education 25.00
School Books 150.00 (don't know, but that's what I expect to spend)
Things to Do
Get headliner fixed
Raining in truck
Back speakers replaced
Something done to the front yard
The summer is going to bring promise and relaxation. Again, there is so much to do and I will get it all done. Just to be able to say I know where my money is going makes me feel so proud of my accomplishments. There are still somethings that I know I can change, but all together I want happiness and contentment in my life. Receiving those things takes an overall acceptance to just live and enjoy life, this is what I have vowed to do for myself.