Thoughts on Attaining and Sustaining Mass Higher Education

Most leaders know that they need to educate their people, and the fastest way out of poverty would be to make sure everyone can read and write, and do basic mathematics. Having an educated workforce also gives the nation, any nation, a much better chance at economic success. Now then, I’d like to discuss a few thoughts on this matter if I might, and if you have 2 minutes to read this article.

There was an interesting article in the Wall Street Journal on December 3, 2011. The article talked about a different way of looking at diversity quotas at America’s universities. Apparently, the Obama Administration is trying to fix the challenges which haven’t worked as well as intended. Yes, it is important to have an educated population, and it is often said that an educated electorate makes for better voting decisions, and therefore better choices of those who will run the affairs of the state and our government.

Having well-educated employees for corporations and small businesses is equally important. It means better productivity, and an overall smoother running civilization. Attaining and sustaining mass higher education is not as easy as it might seem. In fact, this is one of the things that the OCED is worried about worldwide, as well they should. In many countries in the Middle East the illiteracy rates are extremely high, and that causes severe challenges for the flows of civilization and a free-flowing society.

Still, simply educating the masses may not be the answer unless people are educated for the jobs that they will take in the future. In fact, China recently stated in its new 12-year plan that it was going to cut out degree programs at colleges and universities, and stop giving degrees for careers and jobs which they did not believe would exist in the future, or that do not exist now. In Saudi Arabia, and also in Ireland they’ve made incredible gains in the number of college educated people.

Nevertheless, without a solid economy and enough jobs, it doesn’t do much good. Yes, it is better than not having educated folks, but it is a tremendous burden on the state to run those colleges and universities during times of economic decline, demographic shifts, or economic uncertainty. The goal of attaining and sustaining mass higher education might seem worthy, and an overall good idea, however that goal in and of itself uncoupled with economic realities or a future economic plan for that particular nation-state could turn out to be less than the benefit assumed.

If we wish to attain and also to sustain higher education of the masses around the globe, then we have to make learning interesting. And merely pumping information into the brains of all the young people is more akin to brainwashing than it is teaching people to think. Brainwashing the electorate, or population in the name of education is probably the wrong way to play it over time. We need to make the subjects interesting, and allow the curiosity of the individual to propel their own interest in continuing to learn and enjoy the education process.

That will be the fastest way to achieving such noble goals, and in the process we will be doing it for the right reasons. Indeed I hope you will please consider all this and pass these ideas and thoughts on to the OCED along with your own, and perhaps a personal essay to enter in their latest contest for this subject. Think on it.

How to Invest Informed

To learn to invest informed and learn how to invest with confidence most people should break the subject down into two parts: investment basics and investing. By tackling topics or articles in the following order you can learn how to invest money as an informed investor without wasting too much time and effort.

First get a handle on basic financial concepts, terms and investment basics. Every investment in the world can be evaluated based on just a few simple characteristics. Don’t invest money in anything until you know if it fits YOUR needs for such things as safety, liquidity, growth, and income. Only if you invest informed can you avoid the costly mistakes that are caused by picking an investment that’s not right for you.

Then, as a basic investment guide, focus on stocks and bonds because this is where you are most likely to invest money in the future. Once you have a handle on these securities, its time to get familiar with investment markets and how to invest in them. If you don’t understand the stock market, for example, your knowledge of stocks (equities) is of little value in the real world of investing.

Learning all about mutual funds should be your next step and shouldn’t be difficult now that you know stocks and bonds. After all, these securities are where most mutual funds invest money for their investors. And mutual funds are where most investors invest money in stocks and bonds in 401k plans, IRAs and other accounts. There are thousands of funds to choose from but 99% of them fall into 1 of 4 general categories.

You should also get familiar with other investments like money market securities and annuities before you move from the INVESTMENT GUIDE phase of your education to the INVESTING GUIDE segment. In other words, before you can learn to invest informed you’ll need a clear understanding of all of your major investment options and how they compare in terms of their basic investment characteristics. This is not as difficult as it sounds since the universe of investments can be condensed into only 4 different categories or asset classes: cash equivalents (safe, liquid investments), bonds, stocks, and alternative investments.

Investing is the art of putting an investment strategy together and managing your money at a level of risk that’s within your comfort level. Once you understand the investment end of things you need a game plan in the form of a complete investment strategy. Asset allocation is the single most important part of any strategy; and your portfolio asset allocation over time will be the main thing that determines your success or failure as an investor. Concentrate on learning asset allocation: how to invest money (in what proportion) across the 4 asset classes mentioned above.

Now you’ll also want to learn to apply various investing strategies or tools to help offset risk while earning higher than average investment returns. The two important things to understand when you get started in the learning process are the following. Learning how to invest is easier than you think if you take the subject one step at a time in a logical sequence. Second, learning to invest informed is actually a two step process: learn investment basics, and then learn investing.

Don’t get discouraged if you don’t understand something in an investing article you are reading. Back up and search for another article that covers the topic or area that confused you. For example, if you are confused by an article on bond funds it’s probably because you don’t understand bonds in general. Most people don’t. Most people don’t get much out of an adventure novel, either, if they start reading on page 47.

Take fear and anxiety out of investing. Learn to invest informed.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Why an Online Home Based Business Offers Many Advantages

The dream of running your own home business has never been more possible. This is due to the many opportunities and advantages the Internet provides today. Let’s briefly go over a few of the advantages home based businesses online provide.

1. You can stay at home and run your business. In reality anywhere that you have a computer with Internet access you can run your business. It just happens to be that most people will set up a home office and start their Internet business that way.

2. Direct sales opportunities have become real home-based businesses. In the past a direct sales opportunities such as Tupperware were run on a party plan where you went into other people’s homes.

The same thing was true for other direct sales businesses such as Avon and Amway. You can still run your business that way if you choose to. But many direct sales companies now provide excellent websites that allow you to set up an ecommerce business and stay at home and do it.

3. Training is readily available for internet marketing. This is one of the great things about running a home based business online. You will need to drive traffic to your website, but learning how to do that can be done online as well.

You do not need to go to training meetings or read books or tapes. Your home business has a great opportunity to be successful because everything you really need to learn how to do can be accessed right on the Internet.

4. Join affiliate programs and sell physical products. Amazon.com is one of the largest online companies in the world.

They also have a free affiliate program you can join giving you access to thousands of products to start selling right away. You do not have to stock the inventory or even ship the product.

And all of the collections are done by Amazon as well. You can concentrate on advertising and marketing since you get paid for the sales you make.

5. Sell digital information. Another great way to use the Internet to make money from home is by marketing information products which are always in demand.

ClickBank.com offers an excellent digital information affiliate program you can join for free. This gives you access to ebooks you can sell and make commissions of as high as 75% on.

Home based businesses online have several advantages. You never run out of products to sell, yet you can do it from the comfort of your own home with your computer and Internet access.


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