If Technology Isn’t the Goal of Education, Then What Is?

I love being an Instructional Technologist, largely because it provides me with such a wide-open field to play in. Education is as broad an industry as it has ever been. And technology is certainly a part of it.

After answering the “what is that?” question, I am usually asked about technology in general, and then its place within education, specifically. People are intrigued by the seeming steady drive toward online or e-learning environments and platforms.

Technology, the Goal of Education?

I am often asked about our school’s new Learning Management System, or why we are interested in moving toward Project-Based Learning. They want to know the how and why of our one-to-one tablet program and when we will be offering hybrid and online courses.

But often people confuse the goal of education with the tools of education.

The goal of education is not:

  • Web 2.0 Technologies
  • Project-Based Learning
  • Blended or Flipped Learning Models
  • Online or Hybrid Learning Models
  • Smartboards or other Interactive Classroom Technologies and applications
  • Mobile computing

Technology and its associated pedagogies simply represent the new tools of education.

But do not make the mistake of thinking these new tools are merely replacements for older outdated tools; like the blackboard and chalk, overhead projectors, and the VHS player. If that were the case, then let’s keep the old tools, they’re cheaper and we already know how to use them.

It is the Learners Who Inherit the Future

No, these new tools are far more than new paint on an old barn; these tools provide the means to transform education. They make it easier than ever for educators to raise the bar on what our students can accomplish. Education should no longer be about memorization, note taking, and multiple choice tests.

The tools have changed largely because our world has changed. The industrial age is over (even if education is just beginning to figure that out). The information age is expanding at an incredible rate. And technology is what allows many of us to keep up. Technology brings knowledge to our finger tips and in often less than a few milliseconds.

One of my favorite quotes is by Eric Hoffer, author of “The Ordeal of Change“, who said, “in a time of rapid change, it is the learners who inherit the future. The learned find themselves in a world that no longer exists.”

Students are Being Asked to Dance to Music Yet Unheard

Our world is changing – as is the world of education. The role of education has always been and should continue to be one of preparation. But the challenge is much greater than it has ever been.

We are in the business of preparing students for jobs that have not yet even been created. We are asking students to dance to music yet unheard. What brings the task within focus and makes the job seem reasonable is technology.

But technology does not equal education. Technology, along with the many new pedagogies associated with it, is the means to the end.

The goal of education, in this age, is to prepare students for a workforce that is already demanding such skills as

  • innovation,
  • creativity,
  • critical analysis,
  • collaboration,
  • global awareness,
  • presentation and communication skills
  • and the ability to manage time.

We refer to these as “21st Century Skills.” Teaching these skills, in and along with mastery of content, is the goal of the 21st Century Teacher. Technology simply provides us the tools to do it better.

Home Based Business Ideas – How To Succeed Online

Nowadays everybody is aware of the amazing success of internet. In less than 10 years, internet has completely changed our lives and it has open a lot of opportunities that did not exist before. Everybody want to work from home, and everybody has his home based business ideas ready to be implemented online, but the problem is that sometimes these business ideas are not really doable, so now I’m going to share with you how people make money online.

Home Based Business Ideas:

- Affiliate marketing: One of the most famous and fastest way to make money from home is through affiliate marketing. If you do not know what is affiliate marketing let me explain it. Affiliate marketing is when you sale people’s products and you gain a commission on the sale, there is no limit for you in terms of sale, because you can sell products from ten different companies and make a good living on it, there are some people online who earn as much as six figures per year just by selling others people products. If you’re interested in affiliate marketing as a good home based business idea, all you need to do is type in Google what you want to sell and just add affiliate program, so for example if you want to sell bags, you type “bags+affiliate program” on Google on you’ll be on your way to make money.

- Blogging: Blogging is an other home based business idea really relevant online, people make a lot of money just by blogging. All they do is create a blog around a topic of their choice and start bringing traffic to their blog, you may wondering how do they monetize their blog? Well it’s really simple, they can sell ad space on their blog to advertiser who may be interested in their traffic or they can use affiliate marketing as well, it’s really easy to do it, also if you want to start blogging do not limit yourself to one blog, create 50 blogs that make $5-10 per day and that’s it your earn 5 figures per month!

- Pay Per Click: The other biggest business online is through paid traffic, what is paid traffic business you may be wondering, is exactly the same as affiliate marketing but in bigger proportion, people will pay each time you click on their ads on Google, Facebook, Yahoo, MSN between $0.50-5 and hoping that you will buy their product, what is the benefice of PPC is that it brings instant traffic to your products, you do not need to wait weeks or months before people find your products as you may do with affiliate marketing through blogging, the only problem with PPC is that you can lose a lot of money if you do not know what you are doing.

Here you have learned just few of the ways to make money online and start your home based business, it may sound difficult but it’s really not, it just needs action and perseverance.

What Can We Do If Our Spouse is Not Supportive of Our Home Based Business?

Having a spouse that is not supportive of you making money online with your home based business is most definitely one of the hardest things to battle with. This can be a deal breaker for most people. I can’t begin to tell you how many people get so discouraged and lose the initial excitement they had for a home based business after they tell their spouses.Getting approval and support from our spouse is a strong desire for us all. We want them to be proud of us. It is very difficult to move forward in something that our spouses do not approve of.However, it is possible to be successful in a business if your spouse isn’t supportive.Find out what the reason is for them not wanting you to work from home. Maybe they have had some bad experiences in the past and they weren’t able to make money online. Maybe they think old fashioned and think you should have a “real job”. Maybe they don’t want you to be at home and work a home based business. Whichever the reason, you need to get to the bottom of it and address the reasoning with your spouse.Comfort your spouse by letting them know you understand where they are coming from. Give them the benefit of doubt. After that, you need to let them understand how important a home based business is to you and your future. They need to understand that you are doing this for the whole family and not just for yourself. Convey that you want to make money from home so that you can provide things that your family has never had in the past, including more valuable time!It is hard to stay mad at your spouse when you see that it comes from their heart and there is so much conviction involved in starting a home based business. Make sure that you keep your family number one and don’t allow the internet business to take over.If they are still not wanting you to do this and you feel there may be selfish reasons behind it, you now need to make a decision on your own. They will be on board after they see the results of this home based business!They will really be on board once you are able to get them out of their “real job”!

A Good Source of Profitability Through Home Based Business

The world is running along with the grace of technology and through that people are started thinking about the home based business. There are various kinds of home based business organization; however most of them are running through technology. Most of the people are running online stores by sitting at their home on their computer as they just have to receive orders and delivered the goods to the customer through which you can earn lots of money. These all things are possible due to the facility of the internet connection which was invented with the efforts of technology.There are many people that are working for the online consultancy firm as they are sitting at the one place and working for the different countries however they are proving the consultancy of different aspect for example the consultancy for marketing, consultancy related to debit and credit counseling, financial consultancy, accounting consultancy and articles writing projects which are done on the basis of SEO.There are many websites which are working for the sake of earning; however they are proving the cash through different means. There are different jobs for the authors of the articles as they can write he article sign up on the different articles directories and to submit that articles to that directories. There are many people that are working in the foreign stock market by sitting in their homes.The working environment should be making in the house so for that first of all you have o work for that. First of all you have to manage your house in such a position that it looks like the working place so that you can take interest in your project on which you are working. There are many other ideas for the home based business you just have o figure out online as there are many business in which you did not have to invest the merchants provides you the product and you have to sale it in market.The blog and websites designing is also the large scale home based business through which you can establish your any sort of website. The blog designing is a simple project but you can earn a lot through this. More over you can create the online digital information project through which people can get information about the different purpose, in such a way you can get profit at every visit of customer to your information project.

Best Home Based Business Ideas – 6 Key Factors When Looking For the Best Home Based Business Ideas

There are certain crucial factors that set apart some home based business ideas from others. When you are searching for the right opportunity all the information can all become a blur and it can be difficult to define what makes one opportunity stand out from the next.Here are 6 key factors that will help to put you in a significantly stronger position to take advantage of leverage and make money much faster.1). How Much Does it Cost?Obviously spending less sounds great but you probably know that the more expensive opportunities usually offer the bigger financial rewards… or do they? Keep your eyes peeled because this is not always the case. Home based business ideas with low entry costs can still offer very lucrative rewards and these are by far your best value investment.2). How much Can I Realistically Make?Some opportunities require you to pass up commissions which can mean less income. Other Companies are more geared to rewarding their representatives as they know that enthusiasm in their sales team will ultimately bring them the financial gain also. Look for the Companies that are paying their reps generously.3). How Quickly Can I Expect To Make Money?This will also depend on the structure of the Compensation Plan so look carefully at this. Sometimes what look like the best home based business ideas really only suit the top marketers, and the average marketers and newbies get left behind wondering what happened (or what didn’t happen!)Simple opportunities can get your home business off the ground and start paying you early in the game.4). What are the Risks?Whatever you spend, you’ll want to weigh up the likelihood of your success. Meaning, what you stand to lose verses what you will gain.Is it costing you a lot of money upfront before you have established if the business will work for you?5). How Many People Will I Need to Recruit to Make Money?Some of the best home based business ideas are with network marketing companies and require you to build a team, which means recruiting. So, how well you do in the business will depend on how many people you sponsor.Look at how many people you will need to sponsor before you start making the money you desire. Is this realistic for you to achieve now?6). How Complex is the Home Business System?I always feel that simple is best, as long as there is a good income opportunity. If you are trying to get new members to join and you are dealing with one of the more complex home based business ideas, it is more likely you’ll lose people’s interest before you can even go over all the information with them. If there are lots of products and intricate payment plans it can be harder on you to get others involved.When searching for the right opportunity use these as some of your criteria to help you separate the most simple and powerful earning opportunities, from some of the more complex ones. Look for compensation plans that are generous upfront, and once you start earning good money, your confidence will grow, and you can expand your marketing skills. Choosing the best home based business ideas will get you earning a full time income the most quickly. And don’t forget the most important skill you will need — Internet marketing.

Small Business Tax Advice How to Save on Your Tax With a Home Based Business

Want some helpful small business tax advice? Did you know that your Uncle Sam will actually pay you to start a home based business? That’s right, Congress has approved over 100 tax benefits that are available ONLY to home based business owners. These deductions, found in the Federal Tax Code, are 100% legal and 100% audit proof.Before we look at a few of these deductions and how much money this small business tax advice can put in your pocket, let’s look at how much is actually left out of your paycheck. While you know it is not as much as you would like, do you realize how much of your income goes to taxes? When you add up federal, state, country, gas, property, social security, unemployment, etc. the total comes to about 45%. By the time you pay your monthly housing, healthcare, food and transportation costs, you are left with about 20% to pay all others expenses and to enjoy life.Not a pretty picture. Fortunately, you can change that picture with a home based business. I can hear you saying; “I don’t have time for a home business I barely have time for my family and friends now.” And besides, you’re thinking, I certainly don’t have the time or desire to go to meetings or presentations to learn how to start-up and run a home based business. Probably, at one time or another you and your friends have discussed small business ideas that you might pursue.Now’s the time to stop talking and to take action to change your future. Are you on Facebook? Do you have a Twitter account? Do you use Youtube? Ever considered starting a Blog? If you answered yes to one or more of those questions I can show you how to turn these tools into a home business.Aside from the money you will make with a home based business, here are 5 significant tax breaks that can put $300-$500/month in your pocket.1. Home Office Deduction (Renters too; includes a percentage for utilities, maintenance, ins.)2. Business Use of Personal Vehicle ($1 for every 2 miles plus more)3. Hire your children (even as young as 6; big tax savings)4. Healthcare Costs (100% of out-of-pocket costs)5. Business Travel & EntertainmentMore good small business tax advice, there are only two qualifiers to be able to take advantages of the above deductions as well as over 100 others. Here’s what they are:1. Operate your business on a regular and consistent basis (the tax courts have defined this as 3-4 hours a week)2. Have an intent to make a profit.More good news; you can start your home business part-time while you continue with your present position. The Internet has changed the way we communicate, buy things and it can change the way you make the money you need to live the lifestyle you want.To learn more about the tax savings available to home based business owners, click on Resources on the right hand side of the page and watch the 5 minute video by Dr. Ron Mueller, Home Business Tax Law Expert. And, of course, contact me so I can give you further details.By the way, does saving $5,000 a year or more on your taxes appeal to you?How to Save on your Tax with a Home Based Business

5 Tools For Your Home Based Business Ideas

All the top home based businesses use the technology of the internet. We live in the digital age of emails, downloads, streaming data and mobile technology. If your home based business ideas do not include having an online presence, then you’re missing out on a worldwide market who can buy from you at any time of the day or night.Any legitimate home based business will need some investment to get it started and an online home business is no different. The good news is that the start up costs for a home based online business are considerably less than a traditional offline venture.Five Tools For Your Home Based Business.1. Domain Name.A domain name is the name of your website. It’s where your customers can find you online with an easy to use word, or sets of words. Your first option should always be to opt for a.com name when looking for domain name ideas for your home business as it is the universally accepted business domain extension.2. Website Hosting.Once you have your domain name, you’ll need somewhere to “rent” space for your website so that it can be live on the internet. Some domain registrars usually also provide hosting but do check the rates first. Once you have your domain and hosting sorted, you are well on your way to making your home based business ideas into a reality.3. Website.The WordPress website system is the most widely used website building platform on the internet. It has the functionality to help your home business earn online revenue as well providing a complete content management system. WordPress websites are reportedly used by such organisations as the New York Times, Ford, NASA, Pepsi and eBay. If it is good enough for them, then it will surely be good enough for your work from home based business ideas.4. Autoresponder.One of the best online business tools you can have is an autoresponder. Your autoresponder is the ‘salesman’ who works for you 24/7 – every day of the year. Autoresponder services are used to provide your leads with follow up information about your products and services via email. Remember that statistically, a prospect needs to see or hear your marketing message at least seven times before they take any action and buy from you.5. Continuous Education.It can be a frustrating process getting your home based business ideas from concept to reality. When you get stuck on a problem, you can lose focus and direction and that’s when they are most likely to give up. For example, getting a domain name and website hosting organised can seem a little complicated if you’ve never done it before. With ongoing business education, you can learn as you earn and draw on the experience of others for a fast-track to success.

How Successful Investors Prepare Their Real Estate Analysis

Successful real estate investors never rely simply on what others tell them. Once a prospective real estate investment has been located, prudent investors conduct a close examination of the rental property’s income, expenses, cash flow, rates of return, and profitability. Regardless what overzealous agents or sellers say, vigilant real estate investing demands a validation of the numbers.

To achieve this, real estate investors rely on a variety of reports and rates of return to measure an income property’s financial performance. And in this article, we’ll consider a few of these reports and financial measures.

Reports

The most popular report used in real estate investing circles is perhaps the Annual Property Operating Data, or APOD. This is because an APOD gives the real estate analyst a quick evaluation or “snapshot” of property performance during the first year of ownership. It does not consider tax shelter, but an APOD created correctly can serve as the real estate equivalent of an annual income and expense statement.

A Proforma Income Statement is also popular amongst analysts. Although comprised of speculated numbers, a proforma provides a useful way for real estate investors and analysts to evaluate an investment property’s future, long-term cash flow, performance. Proformas regularly project numbers out over a period of ten to twenty years.

Certainly one of the most important documents for a real estate analysis is the Rent Roll. This is because a property’s sources of income and income stream are vital to making wise real estate investment decisions. A rent roll typically lists currently occupied units with current rents along with vacant units and market rents. During the due diligence, of course, rents shown in the rent roll should be confirmed by the tenants.

Rates of Return

Capitalization rate, or cap rate, is one of the more popular rates of return used by real estate analysts. This is because cap rate offers a quick first-glance look at a property’s ability to pay its own way by expressing the relationship between a property’s value and its net operating income. Cap rate also provides real estate investors with an easy method for comparing similar properties.

Cash-on-cash return measures the ratio between a property’s anticipated first-year cash flow to the amount of investment required to purchase the property. Though cash on cash return does not account for the time value of money or for cash flows beyond the first year, this shortcoming is often overlooked because it does provide an easy way for real estate investors to compare the profitability of similar income-producing properties and investment opportunities quickly.

Internal rate of return is more complex because it requires a computation for time value of money and therefore requires a financial calculator or good real estate investment software. Nonetheless, it is widely-used by analysts because internal rate of return reveals in mathematical terms what a real estate investor’s initial cash investment will yield based on an expected stream of future cash flows discounted to equal today’s dollars. In other words, internal rate of return converts tomorrow’s dollars to today’s dollars and then computes your return on investment.

Here’s the point.

Take the time to conduct a thorough real estate analysis. Create the reports and returns and hold the numbers up to the light. This is the only reasonably certain way of making the right investment decision on any prospective real estate investment. If you do your real estate analysis correctly you’ll know whether the investment makes good financial sense or not, and almost certainly guarantee your real estate investing success.

Social Investing: What Is It?

Social investing has received a lot of interest in recent years – especially following the financial crisis. Most people, however, are left wondering: What is social investing? Let’s answer this question.

To understand what social investing is, we must first consider how traditional investors look at the world. In traditional investing, investors weigh investment decisions by looking at two broad factors – risk and financial return.

Risk, Return – and Social Impact

Each investor has a certain comfort level across the risk-return spectrum, and he or she does their investing within that band of the spectrum. An investor might be comfortable giving up some of their return if an investment is safer. On the other hand, the same investor might be willing take a little more risk with an investment if it translates into a higher return.

In social investing, a third factor is thrown into consideration – social impact. Social impact means that the enterprise supported by the investment yields some benefit to society beyond the income it generates for investors. Conversely, an enterprise can also have some negative impact on society, and a social investor will also take this into consideration when making investments.

Just as traditional investors are willing to make a trade off between risk and return, social investors are willing to make a trade off between risk, return and social impact. If an enterprise is doing something that’s improving the environment, for example, a social investor may be willing to give up some financial return or assume greater risk on that investment depending on his or her individual comfort level.

In short, social investing can be defined as considering the social impact of an enterprise when making investment decisions. By this standard, a number of investment approaches fall under the umbrella of social investing: mission investing, responsible investing, double-bottom-line investing, triple-bottom-line investing, ethical investing, sustainable investing and green investing.

Social Screening

Within the universe of social investing, there are two broad categories: social screening and impact investing. In the social screening methodology, an investor comes up with a list of social standards that he or she wants his or her investments to meet.

The investor eliminates any company that does not meet these standards and then invests in the “socially responsible” companies that do meet the standards in a way that meets the investors risk and return objectives.

A number of socially responsible mutual funds have emerged that use such an approach. They adopt a social screening methodology, define a large basket of investments that adhere to those standards and then have their management company invest within that basket to meet the financial objectives of the mutual fund.

Impact Investing

The second broad category of social investing is known as impact investing or, sometimes, community investing. In impact investing, rather than investing in companies that do no harm, investments are made in companies that do social good.

Enterprises that fall under the impact investment heading perform services that have a charitable or social purpose but also have a business model that can generate income and support a financial investment. They straddle both the charity and business worlds.

Impact investment enterprises might be structured as non-profit or for-profit companies but rarely do they take the form of the large public companies listed in the capital markets. As a result, making an impact investment is more difficult and usually takes the form of a private investment in the form of a note or loan.

Impact Investment Sectors

So what exactly are these impact investment enterprises? To get a better sense, let’s look at some of the sectors that qualify as impact investments.

Affordable housing is one sector familiar to most people. Most people support an organization like Habitat for Humanity by making donations, but a foundation, for example, might support them by providing a low interest loan to fund the organization’s projects.

Microfinance is another impact investment sector. A microfinance institution makes small loans to entrepreneurial people in developing countries to give them the opportunity to start or grow their own business and lift themselves out of poverty. A microfinance institution works similar to a bank, so it is able to generate income and support investors.

There are many other similar sectors that generate income and have a social mission at their core: fair trade, community development organizations, social enterprises, etc. In each sector, companies can often find investors who are willing to give up some financial return or take on a bit more risk because of the social impact that these organizations have.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.


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