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05.08.2014
It’s not exactly a secret that my wife and I are investing our money with a goal of financial independence. The money we would live off of in our day-to-day lives would come from the return from our investments. This doesn’t mean that we would simply stop working when we reached financial independence, but that income would not be a reason or motivation for choosing what to do with our time.
Sarah and I have both discussed working for various charities at a full time level, whether for a very low wage or for free. The purpose in our work would not revolve around income, though income would be a nice perk.
For many people, that sounds like a tremendously exciting goal, but it doesn’t seem like a realistic goal. So, the first problem to be solved is to come up with enough money from our daily life so that we can actually apply enough money to our investments to get to this goal at a reasonable rate.
This goes substantially beyond the usual retirement savings advice of saving 10% to 15% of your annual income. In terms of how things work practically, the money I earn from my work goes into our business checking account, from which we withdraw money that amounts to my take-home pay (with other money in that account going toward professional expenses, like research materials, as well as income taxes).
Of course, this means that we actively live on substantially less than we earn, something we have done for almost a decade now. It means that we don’t go out to eat very often and that we make most of our meals at home.
It means that our cars both have more than 100,000 miles on them (and both are approaching 150,000).
It means that we do things like carefully preparing meal plans and grocery lists in order to minimize food spending.
It means that we buy even little things like light bulbs with an eye toward the lowest possible cost over the long term while still meeting our needs. It means that our social events often revolve around having people over for a potluck dinner or going somewhere in the community with them, such as to a community board game night.
So, now that we’ve established our overall goal and where our money for investing comes from, how exactly do we invest? The first idea that guides our investing is that we cannot individually compete with hedge funds, investment banks, or institutional investors.
Thus, our question becomes “how can we benefit from their efforts?” Is there anything we can personally do to take advantage of all of that effort? This means that index funds also don’t carry one of the risks of mutual funds, which is that of the investors running the funds. So, for example, if you own a total stock market investment, that investment would own a small amount of every publicly traded stock in America. If you own a total bond market investment, that investment would own a small amount of every publicly traded bond in America.
Second, with that much diversity, you’re actually investing in the economy as a whole rather than in individual companies.
For example, when it comes to stocks, I believe that worker productivity will keep going up and I believe that American ingenuity will keep developing new products. The only thing you really have to do with this type of investment is figure out which total market index funds you’re going to buy and in which proportion. Each quarter or each year, you check the comparative balances of those funds and then change the automatic investments accordingly to steer things back to your ideal balance. Even the problem of figuring out which total market index funds to buy is a pretty easy problem to solve.
About every six months, I’ll sit down and figure out what the ratio of our actual investments are like. In other words, I’d go into the website, change our contribution to the top investment from 60% of our money to 55% of our money, change our contribution to our middle investment from 30% of our money to 25% of our money, and then change our contribution to the small investment from 10% of our money to 20% of our money. Our goal is for our total investment value to be equal to 25 times 150% of our annual living expenses. Still, we feel as though this plan will work very well in terms of taking us to where we want to be. This Platform as a Service report evaluates technologies and applications in terms of their business impact, adoption rate and maturity level to help users decide where and when to invest. The Art of Service’s predictive model results enable businesses to discover and apply the most profitable technologies and applications, attracting the most profitable customers, and therefore helping maximize value from their investments.
The platform monitors over six thousand technologies and applications for months, looking for interest swings in a topic, concept, technology or application, not just a count of mentions. Google Trends data for gauging mindshare and awareness, the numbers are relative to their maximum (100), meaning number 100 has maximum interest right now and number 50 has half the interest it had from its peak of 100. CPC: The average amount advertisers pay Google anytime someone clicks their own ad for this keyword.


This shows how many unique advertisers have appeared on this subject in the last 12 months.
Assessment is increasingly critical to the success and continuation of educational programs. Assessment Tools – The tools and resources listed may provide you with a framework for conducting effective assessment. A Synthesis of Sloan-C Effective Practices – Encouraging continuous improvement in the quality, scale and breadth of online education, the Sloan Consortium invites practitioners to share effective practices. Designing Assessment Using The Power of Google Forms – Michael Schmoker talks at great length in his book “Results Now“, of how the power of a common curriculum, common assessments and teachers working together can have unprecedented results in student learning. ETS Research– Its  goal is to make fundamental contributions to the progress of education worldwide through educational research and analysis, fair and valid assessments, innovative product development and informative policy studies. In-class assessment techniques – Formative in-class assessment and frequent feedback about the quality of student learning helps instructors find out if learning is taking place, what students are learning, and how well they are learning.
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Ideally, this means that our annual investment returns make up enough money to not only cover our living expenses, but also cause our investment to grow so that everything keeps up with inflation (and a little extra breathing room as well).
If that novel ended up being sold to a publisher, turned out to be popular, and sold a lot of copies, that would be a wonderful bonus. Again, we would be doing this because we believed in the charity, not because of the income (or the lack thereof). Since Sarah and I make approximately the same amount of money, this functionally means that we live off of one of our incomes and bank the other one.
My income goes directly into a shared investing account that’s building up for our financial independence. In terms of our spending, we live a lifestyle that adds up to about half of our income level. When we do go out to eat, our children are genuinely excited about it because it’s a special experience. Our planning involves using the grocery store flyer, upon which we base our meal plans, upon which we base our grocery list. Most of our typical household purchases are either generic items or basic ingredients for making household supplies (like vinegar, for instance).
We spend our weekends doing things like geocaching or going to parks or playing board games that we’ve owned for years or reading library books. It is essentially impossible for us to have access to useful information or be able to act on that information with such speed as to ever beat them at the individual investing game. If you invest in everything, you’re going to catch every single surprising spike in stock prices or bond prices. However, you’re also not carrying a risk of seeing your investments drop to zero value very quickly either.
This simply means that an index fund owns or tries to own a small portion of all of the investments in a particular market. If you own a total real estate market investment, that investment would own a small amount of real estate in every major real estate market in America. If you own shares in a total stock market index fund, that means you own a tiny amount of every publicly traded company in the United States. I don’t necessarily have perfect faith in a specific company, but I do have faith in the American economy as a whole. There are many, many examples out there for you to follow, most of which have pretty good explanations of the advantages and disadvantages of each. 60% of our money is in domestic stocks (specifically, the Vanguard Total Stock Market Index), 30% of our money is in international stocks (specifically, the Vanguard Total International Market Index), and 10% of our money is in bonds (specifically, the Vanguard Total Bond Market Index).
Let’s say, for instance, that we started out with $60,000 in the first investment, $30,000 in the second investment, and $10,000 in the third investment.
Let’s say, for example, that during those six months, our investments grew to having $70,000 in the first investment, $34,000 in the second investment, and $11,000 in the third investment, giving us a new total of $115,000.


For the sake of flexibility and safety, we want to be able to have the freedom to take out 50% more of that value each year if we so choose (to cover taxes and any other special things we might do), so our annual number is $45,000. I’ll still have book royalties and several other little passive income streams, and Sarah and I may earn money from doing other things.
On top of that, our portfolio is aggressive enough that it will grow at a rate faster than 4%. The link takes you to a corresponding product in The Art of Service’s store to get started. It then makes forecasts about the velocity of the interest over time, with peaks representing it breaking into the mainstream.
Indicator of the need of employers for this specific skill set and therefore their organization’s application of it in relation to the other subjects. Indicator of the need of employers (and availability of employees) for this specific skill set and therefore their organization’s application of it in relation to the other subjects. Indicator of the advertising being spent on the topic ergo investments being made to attract clients.
He cites many studies wherein teachers who seemingly taught the same class had varying levels of effectiveness, mostly through lack of their planning lessons and not designing assessments together, nor collecting data on a regular basis.
Featured research topics: Workforce Readiness, English Language Learning and Assessment among others. Google Forms allows you to create many different types of questions, automatically collects usernames, sends data to a spreadsheet.
A tutorial is available to guide the newcomers to this free site from Arizona State University. It is the hope of California State University, Chico that instructors and instructional designers will use this site to learn more about the Rubric for Online Instruction, and be able to view examples of exemplary courses that instructors have done in implementing the different components of the rubric.
With SiS Survey you can now create surveys and polls for your website, blog and social network profiles. The interface has not been limited by the pre-built and allows educators to make their own tests covering any subject and set of questions. I’ve stated time and time again that our goal is financial independence, but what does that mean? If I never found a publisher at all, though, it wouldn’t be a financial disaster for us. Personal fulfillment would be a much larger part, as would the desire to help others and grow ourselves as people. Both of our names are on all of our accounts, we each individually have access to all of our funds, and we work together to make decisions. In other words, we tried to get the interest rates of each of our debts reduced, then we listed all of our debts by interest rate with the highest interest rate on top, then focused on paying down the debt on top of the list while making minimum payments on the rest.
You’re also going to catch all of the gradually rising value that comes from a strong, steady economy. This has nothing to do with the fortunes of one specific company, but on the fortunes of America as a whole. In that case, I would take 5% from each of the other slices for our contributions and move it to the underperforming slice.
I would leave that in place until at least one of the fractions was more than 5% off of our target again, then I would alter the contributions again.
We then multiply that by 25 to find that we need $1.125 million in our portfolio before we would feel good being financially independent. Our intent is only to withdraw money as needed (and to have all dividends just go into our checking account).
Data sources include trend data, employment data, employee skills data, and signals like advertising spent, advertisers, search-counts, Instruction and courseware available activity, patents, and books published. Although geared towards high school teachers, the site offers valuable information that can be adapted to higher education environments. Jenny Bergeron while at the University of Richmond, in order to assist faculty and staff with their assessment efforts as part of the University of Richmond’s re-accreditation efforts. The synthesis includes links to detailed postings about practices, including the authors and their institutions.
Index funds are essentially mutual funds that are managed with just a few simple rules, which means that the costs of running those funds are very low compared to a normal mutual fund that’s run by a fund manager and a team of people actively studying stocks.



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