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Tennis legend Andy Roddick: A young investor is the ‘most powerful thing you can be’ – CNBC

Posted: November 14, 2019 at 2:44 pm


When Andy Roddick was at the height of his tennis career, he knew he had to be smart about his money.

So he started building his wealth instead of spending it and is now a successful real estate investor.

His advice to others: Start investing at an early age.

"The most powerful thing you can be is a young investor," the one-time U.S. Open champ said. "Time is your friend."

Roddick entered the world of professional tennis in 2000 at the age of 17. He won the U.S. Open when he was 21 and briefly held the title of No. 1 ranked player in the world.

At the time, a mentor said, "you don't have to wear your wealth," recalled Roddick, who earned $20.6 million in prize money during his tennis career.

Year-over-year returns are fine ... decade-over-decade returns are a lot better.

Andy Roddick

Former U.S. Open champion

So he paid close attention to his financial health and looked for ways to give back.

When he was just 18 years old, he started the Texas-based Andy Roddick Foundation. The nonprofit focuses on engaging children outside of their time in the classroom, helping them grow in subjects like science, art, sports and literacy including financial literacy.

He also invested wisely. During the 2008 financial crisis, he began snapping up real estate when people were liquidating. He was able to lock down 15- and 20-year leases, namely on bank buildings.

He now has about 70 properties, but said he isn't aggressively buying at the moment.

While Roddick acknowledges that he's been extremely fortunate, he said you don't have to have a fortune to start saving and investing.

"You talk to some young people [who say], 'Well, I'm only pulling in x amount,''' he said. "I'm like, 'Well, 20% is the same regardless of how much you have. You know, put something away every month and be disciplined about it.'"

PHILADELPHIA, PA - JULY 25: Tennis player Andy Roddick attends the 2017 Mylan World TeamTennis New York Empire vs Philadelphia Freedoms match at Michael J. Hagan Arena at St. Joseph's University on July 25, 2017 in Philadelphia, Pennsylvania

Gilbert Carrasquillo | Getty Images Entertainment | Getty Images

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November 14th, 2019 at 2:44 pm

Posted in Investment

Global Online Education Market 2019 Research and Development by K12 Inc, Pearson, White Hat Managemen, Georg von Holtzbrinck GmbH & Co. K -…

Posted: November 13, 2019 at 5:46 am


Global Online Education Market 2019:2023 With Deep Analysis

Market research Trade has published new enlightening data titled Online Education Market 2019-2025, through research, development and analysis of information from multiple sources. In the Online Education research report professionals describe the different facets of the industry with a specific goal after assessing the key factors like SWOT analysis, investment return analysis that could manipulate the development of the Global Online Education market.

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Key Strategic Manufacturers : K12 Inc , Pearson , White Hat Managemen , Georg von Holtzbrinck GmbH & Co. K , Bettermarks , Scoyo , Languagenut , Beness Holding, Inc , New Oriental Education & Technology , XUEDA , AMBO , XRS , CDEL , Ifdoo , YINGDING , YY Inc , ,

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The Online Education report bifurcates the Online Education market based on various parameters, including the nature of products and services, technology development and end-user applications for a better understanding of analytical data. The data collection includes the region Asia-Pacific, North America, Europe, South America, Middle East & Africa. This segmentation-based study provides a framework suitable for the global Online Education market. The Online Education Market size is expected to grow at a CAGR of XXX% during the forecast period 2019-2025. Online Education Market segment as follows:

By application

Teacher , Student , Parents , ,

By Product

Elementary Education(Grades 1-5) , Junior High Education(Grades 6-8) , Senior High Education(Grades 9-12) , ,

Our best Research experts have surveyed the Online Education market report with the reference of inventories and Various methodological techniques to obtain correct informative data for understanding of the related methodological conditions. Statistical data points have been displayed utilizing successful graphical introduction methods, for example, diagrams, outlines, charts and tables. With This, it illuminates recorded improvements and upcoming advancements to comprehend the contrast among existing and upcoming Online Education market system.

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November 13th, 2019 at 5:46 am

Posted in Online Education

One of a Kind Education – the Inkwell

Posted: at 5:46 am


New Birth to Kindergarten Teacher Education Program Coming to Campus

Rebecca Munday, Staff Writer

In terms of early childhood education, holding a teaching certificate allows the individual to market themselves to higher paying jobs, said Dr. Dina Walker-DeVose, an Associate Professor in the School of Human Ecology, regarding the financial advantage of enrolling in the new Birth to Kindergarten Teacher Education program.

Let me be clear, early child educators and K-12 teachers are not paid what they are worth, said Walker-DeVose. Those certification holders who are employed in public pre-kindergarten programs are paid on a similar scale as those holding certifications in K-12 education, she said. In addition to working in public pre-kindergarten programs, graduates can apply for jobs in private childcare programs and programs serving children with special needs.

The program will be housed on the Armstrong campus because this program is fully designed for the Armstrong campus, Walker-DeVose said. The superintendent of Savannah-Chatham public schools, Dr. Ann Levett, influenced the design of this program greatly. She is well versed in what young children need, said Dr. Tameka Ardrey, an assistant professor in Child and Family Development.

Walker-DeVose went on to talk about what makes this program the only one of its kind in South Georgia and what sets it apart from other Early Childhood Education and Child Development degree programs.

The language is sometimes blurry, Walker-DeVose said, regarding what Early Childhood Education means. The language is often confusing as some K-5 certification programs are referred to as Early Childhood Education, rather than Elementary Education. This was common before the B-K certification became well-known. Now, Early Childhood Education generally refer to those programs preparing individuals to work with children 0-8 years of age, Walker-Devose said.

The primary difference, in short, is a teaching certificate, Walker-DeVose said about the difference between the Birth to Kindergarten program and a Child Development program.

Another thing that sets this program apart from others similar to it is its focus on cultural identity. It frames how we learn, what we think, what we believe, said Ardrey.

Through this program, Were equipping teachers with the necessary skills and tools to provide equitable education to all children, regardless of their background, Ardrey said. Representation matters, Walker-DeVose said. If little Johnny has two dads, that has to be represented in the classroom. It is important for little Johnny to have a sense of belonging in that classroom space, Walker-DeVose said.

Classes for the new Birth to Kindergarten program will start in Fall 2020. They will be offered online and, in the evenings, to accommodate teachers who already have a two or four-year degree and want to get trained in the birth to kindergarten population.

The program is being marketed in a couple of different ways, said Walker-DeVose. Our program is open to anyone who desires a B-K teaching certificate in the state of Georgia. The program is located on the Armstrong campus, so naturally, much of our efforts will focus on Savannah and the surrounding communities. We will be reaching out to local high schools, particularly those with Early Childhood pathways. We are also working with the Early Care and Education program at Savannah Tech.

According to Walker-DeVose, the entire community stands to benefit from this program. Research shows a positive return on investment for every dollar that is invested in quality early childhood education. This body of research is another reason that society should be looking for ways to support its youngest learners and fairly compensate those trusted with their care and education.

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November 13th, 2019 at 5:46 am

Posted in Online Education

Kansas board of education poised to consider anti-vaping policy, statutes – St. John News Online

Posted: at 5:46 am


The Kansas State Board of Education welcomed a series of recommendations Tuesday in response to the e-cigarette epidemic among youths that featured four ideas for reforming state law and options for changing local school board policy to block vaping by students, employees and school visitors.

Motivation for taking a new path was drawn from anecdotal evidence that e-cigarette usage mushroomed in the past couple of years and from the spring survey of Kansas ninth-graders through 12th-graders. In the survey of public school students, 48.6% said they had used an electronic vapor product to consume tobacco. That was up from 34.8% in 2017 and reflected a 40% surge in use of the devices.

Kansas' high-school aged students were much more likely to experiment with vaping than traditional cigarettes. The latest report showed 24.8% tried a cigarette, but 48.6% had vaped. The portion who consumed tobacco within 30 days of the survey ranged from 5.8% by cigarette to 22% by vaping.

Kansas Health Institute policy analyst Hina Shah said the state board of education could give thought to endorsing any of four areas of potential statutory change on tobacco consumption ahead of the 2020 session of the Kansas Legislature starting in January.

"What this review does, it gives you kind of an overview of each of the different types of state statutes," she said.

The first suggestion was for the board to get behind an existing campaign to raise the statewide minimum legal age to purchase tobacco products from 18 to 21. Seventeen states and the District of Columbia have taken this approach to reducing access by adolescents to all forms of tobacco. In Kansas, 29 local units of government have adopted "Tobacco 21" ordinances.

Ann Mah, a Topeka representative on the state board of education, said the Legislature adopted an indoor smoking ban in 2010 in large measure because of evidence secondhand tobacco smoke caused lethal medical problems and increased the state's health care costs. To inform the 2020 Legislature of the public policy challenge, she said, it would be helpful to have comparable evidence.

"If it's going to be successful, we've got to have numbers," Mah said.

Shah said some states layered tobacco restriction laws with exemptions for members of the active-duty military, as well as individuals turning 18 before a certain date.

In addition, Shah said, the state board of education could weigh in on possible bills that would add vaping to the state's indoor smoking ban, raise the state tax on sale or dealing of electronic cigarettes and enact a ban on flavored nicotine-containing vapor products.

The state board of education is scheduled to vote in December on a set of policy recommendations regarding tobacco products that would, if approved, be passed on to local school boards for consideration.

Ness City superintendent Derek Reinhardt said the policy guidance developed by the board's vaping task force contained the standard ban on use, possession and promotion of all tobacco products by students and staff. The suggested policy also would block use of tobacco products by parents, contractors, volunteers and other visitors in any district facility, school vehicle or at school-sponsored activities, programs or events.

"Personally, I feel my district passed something very similar to this about five years ago. I know there are school districts out there that I've been in that have very similar policies," Reinhardt said.

He said the first couple of years after implementation led to a handful of confrontations with adults who complied only after given the option of dealing with a law enforcement officer and being banned from school property. Local districts not invested in grappling with community members on the tobacco front will be the least likely to embrace the proposal before the state board, he said.

"I think this is good policy in terms of what's best for kids," Reinhardt said.

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November 13th, 2019 at 5:46 am

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DePaul Center for Students with Disabilities director appointed to committee in Illinois Board of Higher Education – The DePaulia

Posted: at 5:46 am


The Director of the Center for Students with Disabilities (CSD) knows he can never get too comfortable in his line of work.

The great thing, though, about disability services and working in this field [is that] you can never think that you know it all, director Gregory Moorehead said. Because as soon as you do, there is a diagnosis or a symptom that you have not seen before.

For the past 15 years, Moorehead has been providing support and assistance to individuals who need it most. From ensuring students are accommodated based on their specific needs,to discussing with colleagues the trends that are happening at DePauls campuses, Mooreheads work covers a wide range of issues. .

That dedication Moorehead has shown for over a decade has not gone unnoticed. In September, he was appointed to the Disability Services Advisory Committee for the Illinois Board of Higher Education (IBHE). This committee is comprised of all the public universities and some select private universities in Illinois.

As a committee member, Moorehead will collaborate with fellow experts and discuss various issues such as how to create a more inclusive culture for students with disabilities at each respective university.

When DePaul Learning Specialist for CSD Jim Even heard that Moorehead was appointed to the committee, there was nothing but excitement for him.

Well, we [the center] were very proud of Dr. Moorehead, Even said. He is an accomplished director, and we think it is great that he was recognized for his service and his credentials.

Moorehead first became involved with disability services 15 years ago at Rutgers University. At the time, he worked with the TRiO program, which helps to increase the participation of underrepresented populations in education. After the director of the Office of Disability Services resigned, Moorehead was asked to take over the position.

Initially, it was a learning process to get acquainted with the field because Mooreheads background consisted of education administration. However, Moorehead credits his mentors at Rutgers as the reason why he transitioned well into his new role.

If youve got good mentors, they will make sure you take all the class courses that you need, Moorehead said. They [sent me] to all the seminars, all the workshops, all the conferences and all the associations that you need to network with to make sure that you have the background and training that you need.

Now, with Moorehead being a part of the IBHE, he is providing a similar service to his colleagues at DePaul. Assistant Director of the Center for Students with Disabilities Lavonne Kopca said there is plenty of information that can be obtained, especially since Moorehead will be gaining insight from knowledgeable people with different perspectives on diverse topics.

He collaborates with [the committee] and gets information and passes that on to us, Kopca said. This helps us to incorporate the mission and strategic plan of the university and to make sure that it is embedded in the work that we do here in the office.

The work that is being done at DePaul has stood out to junior student Jess Cano. Even though she just started using CSD this quarter, she feels comforted because of how inviting it is at the center.

I was just really surprised with how welcoming they were, Cano said. They were willing to listen to what I wanted and what I thought I needed. There is no judgement whatsoever.

At DePaul, and many other universities around the world, more and more students require assistance with mental health concerns. According to the World Health Organization, over one third (35 percent) of first-year college students are affected by some kind of mental illness.

DePaul does offer a wide variety of accommodations, such as exam readers, sign language interpreters and course selection consultations, but those resources dont necessarily reflect what the students with mental health issues need. For students and faculty, the resources better suited to assist these particular students are currently available at both the Lincoln Park and Loop campuses at CSD.

Moorehead knows that its a process to find solutions to the various problems that students are facing, but these challenges will help to implement the best practices at each respective university. For Moorehead, his commitment to his work is especially important because students with disabilities help to create and contribute to the vast community that is represented at DePaul.

Those students are wonderful, and they add a lot of diversity to our campus, Moorehead said. They provide a lot of energy to our campus. They make the fabric of our campus a whole lot more rich, [and make] the tapestry a whole lot more interesting.

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DePaul Center for Students with Disabilities director appointed to committee in Illinois Board of Higher Education - The DePaulia

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November 13th, 2019 at 5:46 am

Posted in Online Education

5 Benefits of Online Education in 2020 – Dekh News

Posted: at 5:46 am


Online education has experienced tremendous growth over the last ten years. Thanks to the increased accessibility of the internet and cheaper computers, the opportunities for non-traditional education have seen an explosion in new adoptions.

According to areportfrom the National Center for Education Statistics, the number of enrollments in online courses in the United States has been steadily on the rise. In 2015, there were 5.9 million students enrolled, a number that has grown to 6.3 million at the end of 2016, the latest years for which data is available.

There are plenty of benefits of online education over traditional methods of teaching, including more accessible hours and easier access to course materials. Here are five of the most popular reasons for taking online classes.

Image 1: https://unsplash.com/photos/EmI3nDgas1I

When enrolling in a course, its important to consider not only what youre interested in studying, but where youre going to study it, too. For lots of people, this severely limits the number of options they have.

Studying online gets rid of this barrier. Theres no need to worry about relocating to a new area to follow a new career prospect.

Accredited online universities need to meet minimum criteria and curriculum standards set by a governing body, just like traditional schools. Since the standards are the same, you can be sure that the quality of education you are being offered in either case is similar.

A lot of the benefits offered by being physically present are also transferred to online courses. Students are free to interact with the instructors, collaborate with students and are granted access to the necessary study materials.

Image 2: https://unsplash.com/photos/WHWYBmtn3_0

For most professionals, making time to attend classes while still being employed presents a major challenge. It requires having to readjust your schedule or in extreme cases, quitting your job to make up time. For someone thats not been saving money or has inflexible timetables, something has to give.

One of the biggestadvantages of online educationis the ability to simultaneously study and work at the same time. According to astudycarried out by The Learning House, 72% of undergraduate students and 81% of graduates enrolled in online courses were working either part-time or full time.

Taking an online course is a great way to improve career prospects for someone looking to switch careers or taking a new course to improve their standing at a current job.

A lot of people will also benefit from the ready access toassignment writing helponline, as compared to getting help from unavailable lecturers. The online writing services provide students with high-quality writing of thesis, dissertation and essays.

The best online courses in the world are much cheaper than attending a physical traditional campus. Costs vary from program to program, but the absence of the need to access amenities and physical access to school buildings drives the costs down.

Some universities even offer financial aid for the less fortunate. Best of all, many online courses by some of the worlds top universities are free.

Free courses dont normally offer certificates after completion, but its an excellent opportunity to expose yourself to some of the worlds top educators.

Studying online allows you to choose any learning environment that works best for your needs, in your room, in the library, or even on the move while going for a run or a brisk evening walk around the neighborhood.

Part of the allure of enrolling in an online learning course is the ability to take courses as fast or as slow as you need to. On most online programs, youll notice a self-paced label somewhere on them.

This indicates that youre free to begin working towards the targets outlined by the program at any time and finish them whenever youre comfortable. And since you dont have to commute to class, you are going to save a lot of time anyway.

Taking online classes is also a recommended method of dealing with social anxiety for students whose physical attendance causes a significant amount of discomfort.

There are hundreds of online colleges offering high-quality education to choose from. Depending on your needs, there is a course out there that covers your area of expertise or interest. These include internationally-recognized universities like MIT, from whom you can acquire free educational material on some courses. Online courses offer enough flexibility and resources to fit anyones schedule and fit most peoples requirements.

Author Bio:

Emma Rundle is a tech expert working with student entrepreneurs and startups to help them scale new heights in the business world. She also works as an academic writer with online writing services in areas of engineering, science and technology. In her free time, she likes to work on her weekly podcasts, do painting and cooking seafood for her family.

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5 Benefits of Online Education in 2020 - Dekh News

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November 13th, 2019 at 5:46 am

Posted in Online Education

Australian school students learn online more than average but their marks have flatlined – ABC News

Posted: at 5:46 am


By Margaret Merga

Posted November 13, 2019 05:00:15

Technology has delivered innovative tools which can offer significant opportunities for learning.

However screen time comes with potential risks for young people.

Australian students spend more time online than the OECD average, and our students' screen use is growing over time.

Internet and computer technology is a key part of the Australian curriculum, and we want our students to be tech-savvy.

One might expect that heavy investment in internet and computer technology in schools would yield notable educational benefits, however the most sizeable international research in this area suggests that the countries who have invested the most have seen no appreciable improvements in reading, mathematics or science achievement.

Many parents assume that Australian schools regulate their students' screen time.

But the reality is that Australian schools have some of the lowest levels of restrictions on screen time in the world.

As students increase their screen use at school, this has also led to increases in screen time at home for educational purposes.

Therefore, burgeoning screen time at school can have a flow on affect that must be understood.

In addition, device use in schools may not always be educative, with devices used to go off-task.

While the World Health Organisation proposes screen time limits for children under five, limits on older children are less clear cut.

While Australian limits suggest that children aged five-to-17 should restrict sedentary recreational screen time to under two hours per day, this doesn't include screen time for educational purposes.

However, without limits, it is entirely possible for students to be on their devices at school almost all day, including break time.

We need new screen limits for children that will allow them to make the most of educative opportunities reliant on devices, while also providing protection from health risks, and promoting literacy learning.

Therefore, firstly we need to be on the same page, with a workable and all-encompassing research-supported screen limit.

Secondly, once we have a limit, we need to agree on who will enforce it, and how this can be achieved.

I believe that parents, schools and students all play a key role in this regard.

Where parents show confidence in applying limits for their children, limits are more likely to be successful.

They should also model the self-regulating screen practices that they expect their children to have.

Schools who have heavily invested in internet and computer technology resources at the expense of the staffing and resourcing of their libraries may wish to re-consider this position, particularly in light of the literacy benefits associated with libraries.

They could consider applying limits to students' screen time at school, and be more strategic about getting optimal educative benefit out of screen time at schools.

For example, where schools have moved away from online textbooks, this has been responsive to desires to enhance reading comprehension and reduce student distraction.

Finally, students need to be taught the benefits of screen-free time, and be encouraged to invest in their own well-being and learning from an early age.

We need to teach them that self-regulation is key, but we potentially undermine this message when schools require children to spend long hours on devices for educative purposes.

Recent research suggests that screen time may already be having a detrimental impact on student learning, and literacy learning in particular.

This is not surprising, as the time we spend reading on screens does not offer the same literacy benefits as paper-based reading, which is better for reading comprehension.

We also know that access to devices can have a negative impact on students' engagement in literacy-supportive activities, such as book reading.

The more devices a children has access to, the less likely they may be to read for pleasure.

Screen time can supplant quality reading time, and some schools are already attempting to address sliding rates of reading engagement by adopting innovative programs.

For example, some schools have implemented a whole-school, research-supported silent reading program.

However, more needs to be done to ensure the benefits of reading for enjoyment are not lost to screen time.

While the contribution of screen time to falling literacy rates is part of an issue with complex causation, limiting screen time could play an important role in addressing stagnating literacy scores.

While impacts on literacy warrant attention, there also needs to be greater awareness of the potential risks to students' health and wellbeing that can arise from excessive screen use.

Risks are numerous and include, but are not limited to cardiometabolic syndrome, obesity, spinal and postural health issues, Computer Vision Syndrome, sleep disorders, internet addiction, cyberbullying, and diminished perceived self-efficacy for physical activity.

Some of these reasons were mentioned in the recent decision by the government to ban mobile phone use in Western Australian public schools.

Recent research has also explored the link between screen time and diminished mental health and well-being in young people.

US research found that teens with higher screen time may be less happy than peers who spend less time on screens.

Margaret Merga is a senior lecturer in the School of Education at Edith Cowan University.

Topics:parenting,family-and-children,internet-technology,computers-and-technology,internet-culture,education,books-literature,schools,australia

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Australian school students learn online more than average but their marks have flatlined - ABC News

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November 13th, 2019 at 5:46 am

Posted in Online Education

How Is Edtech Impacting The Online Education Landscape In India? – WhaTech – WhaTech

Posted: at 5:46 am


With innovation and digitalization in overdrive, edtech startups have flourished because they offer accessibility and personalized experience to their users through online education.

A collaborativestudy conducted by Google and KPMG suggests that India will record a staggering growth of almost 500% in the number of users on online education platforms since the year 2016. The market is set to grow up to 2 billion USD, with an estimated 9.6M users by the end of 2021. Weve come a long way from computer labs in schools and universities, which at the time were considered an ingenious way to revolutionize learning.

Readily accessible technology has driven a league of brilliant learners and mentors to transform the way knowledge is being delivered and consumed in the country. Traditional classrooms and pen and paper assessments are being replaced by a far more superior alternative- EdTech or education technology.

Proctortrack spearheads the online proctoring industry in affordable, accessible online remote proctoring and automated identity verification .

It is a robust software that detects up to 26 unique test violations. Proctortrack also offers stand-alone solutions like Veripass , mobile lockdown , and proctor checkpoint to meet a clients specific needs. Proctortrack can be easily integrated with popular LMSs likeMoodle, EdX, Blackboard, Brightspace, Canvas, and Sakai, making onboarding simpler for institutions.

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How Is Edtech Impacting The Online Education Landscape In India? - WhaTech - WhaTech

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November 13th, 2019 at 5:46 am

Posted in Online Education

Investment tips: Slow and steady wins the money race – The New Indian Express

Posted: at 5:45 am


Express News Service

Jeff Bezos, the founder of Amazon.com, once asked Warren Buffett, the legendary American investor, about people not copying his style of investing. Buffett responded by saying that nobody likes to get rich slow.

Getting rich quick is a dream. In our country, there is no shortage of people who would want to do that. There is nothing wrong with making money and realising your dreams. But just like a tree takes years to give you fruits after you plant a seed, your money takes time to provide you with benefits you wish to see. Your dreams, goals and aspirations create a drive for your path towards wealth.

As long as you do not break any law and do not evade taxes, there is no reason why you should not dream about being wealthy. One cannot predict when you would get there. Your future wealth is a factor of your future income. If you have a stream of income, you can always build enough wealth over 15-20 years.

You may now realise that there are no shortcuts in wealth creation. Napolean Hill, an American author of self-help books like Think and Grow Rich, said that if you cannot do great things, do small things in a great way. Regular investing is doing small things in a great way.

If you speak to a financial advisor, they will all tell you that it all begins with investing regularly.Every month, if you can set aside money to invest, then you could set yourself on the right path. As the years go by, a slow and steady process of regular monthly investment gets the benefit of compounding. The power of compounding was called the eighth wonder of the world by Albert Einstein. The most crucial aspect of regular investing is discipline. If you break it, it is a setback and would create delays in your path towards prosperity.

Your investment returns have to be at least twice that of the average consumer price inflation rate. The investment game is about ensuring that the time does not eat into the value of your money.Think and act equity

Equity assets are best suited if you are keeping a time horizon of 15-20 years. Time and again, it has been proved through analysis that stock market returns outperform all other asset classes over the long-term.

You can buy them through mutual funds. A few systematic investment plans from mutual fund houses with a good track record would set you up. A financial advisor can play a crucial role in helping you choose the right mutual funds. It is a good idea to stick to three or four different type of schemes. That would give you adequate diversification.

If that does not suit you, you may just get started with a simple investment in an index fund (Sensex or Nifty). Benchmark indices have outperformed all other fixed-income investments like public provident fund, fixed or bank deposits, gold and other asset classes. It is the most straightforward approach to getting rich. Most of the people in the United States have used index investing to boost their overall household wealth. They allocated their pension fund savings to index funds. The affluence in American households happened gradually.

Buying shares directly requires you to know more about investing. That is perhaps the reason why Warren Buffett calls it getting rich slow. When you buy equity shares of a business, you are purchasing a slice of the company. You have to then think about ways the business makes money. It may be a good idea to pick up shares of market leaders in key sectors like consumer goods, financial services, IT services and automobile. They can be a subset of companies that form the S&P BSE Sensex or NSE Nifty. Like you can do systematic investment plans in mutual funds, you can do a systematic equity plan in shares. Buy a small number of shares of a leading business over 15-20 years. A key to this strategy is to buy and hold.There are no shortcuts. Getting rich is a gradual process that requires effort. But it may just be worth your time.

SYSTEMATIC EQUITY PLANLike you can do systematic investment plans in mutual funds, you can do a systematic equity plan in shares. Buy a small number of shares of a leading business over 15-20 years. A key to this strategy is tobuy and hold.

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Investment tips: Slow and steady wins the money race - The New Indian Express

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November 13th, 2019 at 5:45 am

Posted in Napolean Hill

A former director of a Wauwatosa Christian group has been charged with sexual exploitation of a child – Milwaukee Journal Sentinel

Posted: at 5:44 am


Ryan M. Soderberg.(Photo: Submitted)

A 33-year-old Wauwatosa director of Young Life, anondenominational Christian group, is accused of pretending to be female on Instagramto lure a young teento take and send him sexually explicit videos and photos.

Ryan M. Soderberg, of Wauwatosa, was charged Nov. 7 in Waukesha County Circuit Courtwith sexual exploitation of a childand soliciting intimate representation from a minor, both felonies. On Nov. 11, a cash bondwas set at$25,000.

Soderberg is also a former JV soccer coach at Wauwatosa West High School and a former substitute teacher in the school district.

A couple spoke with a Waukesha County Sheriff's detective about their 14-year-old foster son who had been sending naked and semi-naked photographs of himself to someone who appeared to be a female in her early 20s, later identified as Soderberg, according to the criminal complaint.

The couple told police they wereespecially concerned over the fact that the person behind the Instagram accountcoercedand directedthe 14-year-old on what type of sexually explicit content to send, how to pose and how to produce and transmit thevideos and images, the complaint said.

All electronic communications the teen received were accessed using one of his foster parent's phones.

The teen had been communicating with someone using the Instagram name "sammyisabaddy," whoseprofile said shewas always bored [and]always looking to chat, the complaint said.The account was deactivated as of April 2.

A detective discovered the username was associated with an account holder in Wauwatosa.

The detective also found a conversation showingSoderberg stating he was 16 and asking for sexually explicit videos and pictures of the teen.

In August, the Waukesha County Sheriffs Detectives executed a search warrant at an apartment in Wauwatosa associated with the IP addresses using that Instagram profile.

Detectives spoke with Soderberg and his roommate. The roommate was cleared of any crimes.

The roommate, who works during the day, told detectives Soderberg workedfor Young Life, a nondenominational Christian group that encourages adults to build friendships with youth. He said Soderberg was one of the leaders of the Wauwatosa chapter and would occasionally bring Young Life kids to the apartment, the complaint said. Soderberg acknowledged having children from Young Life at the apartment.

Soderberg told police he is often home alone at the apartment during the day" and has struggled with a "pornography addiction," the complaint said. He denied viewing any child pornography, although police turned up evidence he had searched for "young boys" on a pornographic website, the complaint said.

Police also found that Soderberg had visited websites with sexually explicit fictional stories involving minor children.

He had also uploaded a picture of a blonde woman for the Instagram account, the complaint said.

A statement fromTerry Swenson, vice president of communications with Young Life, confirmed that Soderberg had been an area director for Young Life in Wauwatosa until August.

"As soon as Young Life leadership became aware of suspicions regarding Mr. Soderbergs personal conduct, he was removed from his Young Life role and from any contact with young people through our organization," Swenson said in his statement."We are deeply troubled to learn of the charges that have been made; Mr. Soderbergs alleged actions are contrary to all we stand for as an organization committed to the safety and well-being of young people.

"As part of that commitment, all our staff and volunteers undergo rigorous background checks before they are permitted to have contact with students. We have and will continue to cooperate with authorities as they investigate this matter, and we are grateful for their diligence and expertise in pursuing this case. We pray for healing for everyone affected by this situation."

The Wauwatosa School District sent an email to parents this week notifying them of the charges against Soderberg.

Soderberg was a JV boys soccer coach at Wauwatosa West High school from 2009-18, according to the school district.He informed the West High School coaching staff late this summer that he would not be coaching for the 2019 season.

He was hired as a substitute teacher in the district in 2008. The last time he filled a sub position was in 2017.

"The charges have no relation to Mr. Soderbergs previous time as a coach for Wauwatosa West High School," the letter stated.

The Waukesha County Sheriff's Office is asking for help identifying additional victims. Soderberg is thought to have victimized additional juveniles, primarily in the Waukesha County and Wauwatosa area, who have not reported the incidents to law enforcement, according to a press release.

Other account names may have been used, but it is not known at this time.

Anyone who has information that may be beneficial for the investigation should call Detective Mark Conrad at 262-691-6038.

Soderberg is scheduled to be in court Dec. 6 for a preliminary hearing.

ContactKaren Pilarski at karen.pilarski@jrn.com. Followheron Twitter at @KarenPilarski.

Read or Share this story: https://www.jsonline.com/story/communities/west/news/wauwatosa/2019/11/12/ex-director-young-life-wauwatosa-charged-sexual-exploitation/2575505001/

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A former director of a Wauwatosa Christian group has been charged with sexual exploitation of a child - Milwaukee Journal Sentinel

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November 13th, 2019 at 5:44 am

Posted in Life Coaching


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