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Looking for an easy way to keep track of your money? Want to create a budget? Saving for a big purchase? Check out my Pinterest board that’s filled with personal financial planning tips and tricks to help you achieve your dreams. 

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Watch Your Personal Finances Like a Hawk

Why do you want to track your money like a hawk? The answer to this question might seem obvious, but there are so many reasons why people want to watch their finances more carefully.  Are you looking to get out of debt? You may want to check out the You Need a Budget app.  Are you looking to classify your transactions? Save for a long-term goal? Create budgets with automatic notifications when you near the max-spend mark for the month? You may want to try Mint.  Are you looking to start investing for the first time without being too risky? You may want to try Acorns.  Regardless of the app you try, here’s what you’ll find if you try one of these three impressive apps.

See my blog here for information about these amazing financial planning apps. 

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Money Management Tools for the Tech Savvy

Since the Great Recession of 2008, everyone has been more conscious about how they spend their money, where they spend their money, and how much should go into savings. However, millennials are more conscious about their money since many were coming of age during this hard economic time. And because millennials are technologically savvy, this has created a huge surge in digital money management tools. Here are a few that are worth tools to take note of.

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All About Roth IRAs

There are a plethora of plans one can make for retirement. There are 401(k) plans, a SEP IRA, a regular IRA, and yes, a Roth IRA. Unlike a regular IRA, which allows for immediate withdrawals tax-free, a Roth IRA doesn’t allow for immediate withdrawals, unless you’re okay with getting penalized! Although this can be a major turnoff for investors who would like to use their money whenever they want, a Roth IRA comes many perks. Follow this link for more information. 

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“Teaching kids to count is fine, but teaching them what counts is best” -Bob Talbert

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Companies use lots and lots of data, including your daily Web surfing, to help them sell you stuff. They follow you across the Internet with annoying ads, and the data they collect is now essential for their business.

So why aren’t the best minds in higher education doing more to tap all that information to improve teaching and learning?

Students: Colleges Are Tracking You Online. It Can Help You Graduate

Illustration: Martin Gee for NPR

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That is the way to learn the most, when you are doing something with such enjoyment that you don’t notice that the time passes. - Albert Einstein

image credit

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The only thing that interferes with my learning is my education.

Albert Einstein (via awake-society)

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Education is the most powerful weapon which you can use to change the world.

Nelson Mandela (via quoteessential)

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We are, in the deepest sense, responsible for ourselves. We are, as Sartre put it, the authors of ourselves. Through the accretion of our choices, our actions, and our failures to act, we ultimately design ourselves. We cannot avoid this responsibility, this freedom. In Sartre’s terms, ‘we are condemned to freedom.’

Irvin D. Yalom (American existentialist psychologist), The Gift of Therapy: An Open Letter to a New Generation of Therapists and Their Patients (via fyp-psychology)

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This year’s hallway decorations for Christmas at my school. #worldpeace #teachinglife

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The public education problem by the numbers (between 1950 and 2009)

Increase of students: 96%

Increase of full-time employees: 386%

Increase of teachers: 252%

Increase of administrators: 702%

Increase of education spending (inflation-adjusted): 864%

Quality of education increase, by virtually any standard: 0%.

Graduation rate increase: 0% (It’s a constant 75%.)

Get it now? See how it’s not a funding problem, but a resource allocation problem?

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Every year, only 69 percent of American high school seniors earn their diploma.

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Common Core

In addition to adopting new more rigorous professional learning standards for future teachers, the state of Illinois is adopting new standards for students as well.  The new standards for students are the common core.  The common core creates unifies goals for knowledge not limited by state lines. 

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Key Figures

Horace Mann: was the secretary of the Massachusetts Board of Education. He made very noticeable efforts in improving public education. His tactics for reformation were increasing state spending on schools, lengthening the school year, dividing the students into separate grades (rather than a one-room “little red schoolhouse”), and introducing standardized textbooks. Most of the North followed his plans to reform their schools.

Henry Barnard: helped create the state board of education, parent-teacher conferences, and school inspections.  He is very well known for his creation of the first schhol for educating teachers in 1839.

Noah Webster: improved textbooks designing them in a manner of promoting patriotism in students.  His famous dictionary, published in 1828, helped to standardize the American language.

William H. McGuffey: published grade school readers in the 1830’s.  These readers implemented lessons in morality, patriotism, and idealism.

Emma Willard: established the Troy Female Seminary in New York in the 1820’s.  This school brought some new found respect for women’s secondary schools.

Ben Rush, Rob Coram, Noah Webster, and George Washington: all were promoters of public education.