In my last blog post I discussed a number of issues related to arriving at retirement without the proper savings to support your lifestyle. In this second part I want to highlight some investment vehicles available to build wealth. Our focus here relates to investments in equity markets and fixed income securities, which is my area of expertise.
In the past couple of blog posts, I’ve discussed budgeting and debt management. If you read them and believe you have a good grasp of these topics, then it is time to move on to the third area of focus, which is savings.
Hi ESL Teachers,
My name is ED – English Dictionary – but most language learners call me “Oh, you again”. But I’m pretty sure that I’m one of your favorite things in life. For a while I’ve wanted to have a talk with you about something shocking I recently came across. It’s all about my casual talk with your students about my presence and role in their language learning. And believe me, that talk came out as a big surprise!
Nobody gets a credit card and says, “I am going to live in a never-ending loop of debt,” yet the Bank of Canada reports that the average debt held by residents of Ontario as of March 2020, excluding mortgages, is $24,406.
Ever feel like your paycheck disappears too quickly? Your pay or balance in your chequing account gets eaten up by bills and expenses, leaving no room for enjoyment. Maybe you decide to borrow money to purchase an item, or go on vacation, to only add to the debt you have. Sometimes we do this, and don’t even pay attention to the consequences.
The goal of this blog is to share some money tips which will help you, as an educator, to stay on track financially.Continue reading
Many teachers who have questioned portfolio-based language assessment (PBLA) have been wrongly described as “resistors” by PBLA administrators (for a discussion, see Desyatova, 2020). The students in my classes are not resistors: They are keen observers who have seen something that has not been raised before about the portfolio. In one particular class, my students have observed that the “culture of assessment” inherent in PBLA (Desyatova, 2020, p.11) has features reminiscent of their lives under rule by the former Soviet Union, Union of Soviet Socialist Republics (USSR).Continue reading
In this piece, adding to the focus on mindfulness that a fellow blogger posted about last week, I present my reflection on this very popular topic.Continue reading
Noticing theory in the context of cognitive linguistics seems to offer an interesting insight into the processes accompanying second language acquisition focusing on the problems of attention, awareness and memory. “Noticing” – despite disagreements in defining the term – seems to function as a gateway into these processes in Richard Schmidt’s (1995) deliberations. An ESL instructor “in the field,” might have burning questions such as these: How is noticing initiated? Is it totally subjective and personalized, or does it have some regularities that could be exploited in the classroom? If the latter is true, then what are the stimulants? How can one effectively manage the process of transforming “comprehensible input” into “noticed intake”?Continue reading
Since Extensive Reading (ER) is a crucial part of language learning, I have compiled some important ER resources to help you promote ER in your classroom. ER can build learners’ confidence, enjoyment and autonomy.
If you missed my first blog post, The Role of Extensive Reading in Language Learning, please read it when you get a chance so that the resources below will be most helpful.Continue reading
I often think of my classroom, in which I teach advanced English learners, as a laboratory. The analogy seems appropriate since both parties – students and I – are involved in some intense and sometimes experimental brain manipulations. Often by design, but also incidentally. Sometimes stemming from theoretical reflection, often just from common sense and intuition.Continue reading