Multiple Intelligences – Educational Success

Howard Gardner’s theory of Multiple Intelligences has been grasped by the education community as a wonderful and meaningful way to acknowledge, “We are not all the same, we do not all have the same kind of minds, and education works most effectively for most individuals if… human differences are taken seriously.” (Gardner, 1995)

Today’s education is riddled with funding issues, dropped music and art classes for economic purposes, and problems with lower test scores. Why aren’t new teachers using Howard Gardner’s “Multiple Intelligences” as a tool to reach as many students as possible?

The Multiple Intelligences are: Auditory, Kinesthetic, Visual/Spatial, Intraspective, Interspective, Logical/Mathematical and Linguistic. Gardner suggested three more intelligences-Naturalist- Natural Environment, Spiritual/Existential- Religion /Philosophical, Moral- Ethics, Humanity, Value of Life.

These last three “intelligences” are more difficult to assess, but have been recognized in people who have improved the quality of life for others.

Human differences, our uniqueness, offer valuable contributions to society. There is creativity in everyone. Studies have found that after the rigors of raising a family, or after retirement, latent talents have been discovered, and these talents were present throughout life, but not encouraged.

It is up to parents and teachers to provide intelligent environments. Many were educated with teachers and parents who did not encourage cultural diversity, and did not say they could draw a purple tree, or sing an off- beat song. They did not ignite their imaginations, and give them quiet time to process the world’s wonder and its’ opportunities. No, multiple intelligences was not stressed in the teacher education classes, or spoken in the Pediatrician’s office. School systems, so caught up in fiduciary problems, don’t even think about getting to the root of education, which is really teaching, tailored toward the child. The IEP’s (Individual Educational Plan) rarely include assessing the “talents” of the child and then incorporating that learning style into his curriculum.

To teach using the Multiple Intelligences, students should be sitting at tables of six. If there are desks, they may be arranged in a group of six. The chairs or desks, should have space underneath for book storage. Each table or group is a team. The room is like a corporation “brainstorming” room. The teacher chooses the captain (facilitator), recorder, materials leader, for each group and the jobs will rotate around the group.

The responsibilities of the captain will be to keep the table’s students on task, and will be in charge of reporting the results of the final project. Another student will record who is doing what task for the project. This helps the teacher grade an individual student on the project. Each table will become a “team,” and create a team name. The teacher guides the class through the steps of the lesson, and the material’s student at each table will be the only one getting up for the supplies needed for the lesson. Each student’s talents will be used within the group.

Establishing stations- A student who is strong musically, and weak numerically, should be taught numerical and logical skills through music, and not by numbers alone. Math stations should provide headphones with songs including math formulas, etc. There should be an art station, writing, listening, organizing station (housing materials), and any other to encourage learning.

Finally, education using the multiple intelligences will be addressing apprenticeships, so a student will get a chance to explore a trade or profession that works within his or her intelligences. This is not to track a person into a trade, but the right apprenticeship will feel natural, and most likely bring the student into a field that will bring many years of joy since it was tailored toward his or her skills and abilities.

Education is in trouble, and there are many reasons, but using the Multiple Intelligences is one tool to bring us to the forefront of global learning.

Top Places For Stock Market Education For a Beginner

Stock market education for a beginner should begin with an understanding of where to go to for company and market research and it should constantly involve how to evaluate and monitor your stock portfolio once you have chosen stocks to invest in.

Perform Company Research to Find Valuable Companies

You can find out about a company that you’re considering investing in by looking at company profiles in your local newspaper, by going through a firm’s annual report, and via internet research. Some excellent websites for financial company research are Business Week, Wiki Invest, Market Watch, Standard and Poor’s and Yahoo Finance.

Conduct Market Research to Determine Investment Opportunities

Once you have identified companies you like, the next step is to do a thorough analysis of the stock market environment, for which you will need analytical reports such as those produced by Market Watch, Moneycentral at MSN, Reuter’s Investor Page, Zack.com and Hoovers. Carrying out company and market research is just the beginning of stock market education for a beginner investor.

Find an Online Broker

If you’re willing to learn as you go and have an appetite to analyze risk accurately, then you could set up an online broker account and manage your own stock portfolio. Obviously you cut down on brokerage fees but you add time and effort on your part to carefully select and monitor your stock portfolio. Many sites offer both free and subscription based services to help you set up an online account. Investopedia and Ameritrade offer such services.

Monitor your Stock Portfolio

Stock market education for a beginner does not end with finding the right stocks to invest in. No, a savvy investor must constantly keep abreast with the latest development with his stock investment and also stay updated on the varying factors that will affect stock price. For this purpose, he needs to monitor stock tables and stock ticker tapes such as those that can be found in the local newspapers or on TV channels such as Bloomburg or CNBC.

Stock Market Investing Essentials for Beginners

Other places that can help you in your beginner education are books, brokerage sites, financial planners and government and exchange resources. Books such as Standard and Poor’s Stock Guide and How to Pick Stocks like Warren Buffet, are well-known and offer valuable information. Magazines such as Forbes, Money magazine and the Wall Street Journal are also valid reading for a knowledgeable investor.

Brokers such as Charles Schwab, Ameritrade, Scot Trade and Merill Lynch offer various services ranging from full service brokerage to online stock management. And finally stock exchanges like the NYSE, NASDAQ, S&P500, and AMEX, as well as financial planners such as The Financial Planning Association or The National Association of Personal Financial Advisors are places to visit for background and current information on the share market.

If you’re looking to understand some basic share market terminology and abbreviations and trader-speak, then look no further than Investopedia’s financial dictionary and a website called Investor Words – both offer an easy reference for starting stock market education for a beginner.

These are just some of the places to help a beginner investor get started with learning about the stock market so he can turn it into a viable financial venture.

529 Education Plan Savings You Can Expect

The prime reason why people invest in 529 education plans is not just to pay for their children’s education when they reach college-attending age, but to get some interesting savings for their present and future lives. The primary question people ask when told about this college investment plan is what the savings will be. This is a synopsis of the various kinds of 529 education plan savings that you can look forward to:

1. The money that you put in the 529 education savings plan will grow without any federal or state income taxes, even if they are applicable.

2. The money will be all yours to pay for your kid’s education when he or she begins attending college. Money withdrawn for this purpose is called as qualified withdrawals. All qualified withdrawals are free from federal income taxes. In the majority of states, qualified withdrawals do not attract any state taxes also.

3. One of the best aspects of the 529 education plan savings is that the person who makes the investment, i.e. the accountholder will retain all control of the investments, and not the beneficiary. In case the accountholder decides at a later point of time that the money should not be used for that particular beneficiary, another name can be nominated.

4. There is no age limit at which the 529 plan can be started, and also there is no minimum investment limit as such. In some states, the 529 plans can be kept alive with investments of as low as $15. Costs on the plan can be saved by approaching the state authorities directly. The states appoint an advisor to guide people on how to make the investments.

5. At the same time, people are allowed to invest high amounts in these plans. Some states have maximum limits higher than $300,000. That makes it a very good plan of allowing other fixed assets to grow.

6. The amounts contributed into the 529 state plans can be considered as gifts. But gift tax can be avoided by some planning. In case a person makes a contribution of $60,000 (or $120,000 for a married couple filing jointly), then it can be considered as five years gifts of $12,000 each per person (or $24,000 for a married couple), and hence gift tax can be excluded. However, if further contributions are made within this period, gift tax will be applicable.

7. The assets that are kept within the 529 educational savings plans are protected even in case a person goes bankrupt.

8. Though states provide the 529 plans, one good feature is that they can be used interstate. Any accredited college within the whole of the United States will accept the assets of the 529 plan to pay for the tuition fees. In addition, the money can be used for related educational expenses such as books and computers, educational equipment, accommodation, extra tuition fees, etc.