Philosophy Of Literacy Instruction Essay -- Teaching Education School

Proficiency Defined Proficiency grasps perusing, composing, tuning in, and talking. Coordinating these into a proficiency program is vital. Instructors must give interminable and progressing chances to their understudy to peruse, compose, tune in, and talk. There are numerous segments that make up education. So as to successfully show understudies these segments the educator must model the idea for the understudies. As educators, we can't expect or accept that the understudy definitely recognizes what we expect of them. Displaying gives understudies a premise of what to pass by. Displaying is the first and most significant advance all together for the understudies to pick up authority of an idea. An educator should likewise experience guided practice with the understudies. An instructor ought to consistently give as much guided practice that is required. Understudies ought to never proceed onward to free practice until it is obvious that they are prepared. For instance, I was showing a guided perusing exercise in my EDU 218 study hall, in which my companions were acting like understudies. The exercise included the understudies to finish a story map on a book that they read. In spite of the fact that I realized that the understudies woul d be marginally acquainted with a story map I despite everything displayed the utilization of it for them. I demonstrated the utilization of the story map dependent on a book that I realized the understudies knew about. So when the understudies set out to finish the story map on their own they could review and think back to the story map that I had displayed for them. It is likewise critical to take note of that not all understudies handle the material simultaneously. One understudy could be prepared for autonomous practice, as another may in any case need an immense measure of guided practice. There is no compelling reason to alert if understudies are not at a similar level, except if obviously if there is a genuine formative deferral. Writing is a key segment when talking about education. Educators need to furnish understudies with unlimited measures of training encounters in perusing to fabricate their familiarity rate. This ought to be finished with various kinds of writings and various levels. Perusing a wide assortment of writing assist youngsters with creating rich vocabularies. Phonemic Awareness is significant piece of proficiency. Phonemic mindfulness incorporates hints of a word, the breakdown of words into sounds. It incorporates rhyming and similar sounding word usage, separation, including words in sentences, syllables and phonemes, mixing words, fragmenting, and controlling. Pho... ...on my understudies work with the goal that they know how they are advancing. I will consistently make certain to hit my instructional spotlight on the children?s qualities before taking a shot at a territory of advancement with the youngsters. I will educate to the goals and I will instruct to the gauges. I will ensure that my exercises are hitting on whatever number principles as could be expected under the circumstances. Working With Children with Special Needs In my study hall I will ensure that the kids with unique needs are profiting by guidance. I will match this understudy up with somebody who is equipped for making a difference. The understudy will get my guidance just as help from one of their friends. I will know that this understudy is a student with unique needs and I will show this understudy at a level where he/she is agreeable. I will ensure I am mindful of everything that I can about this student?s exceptional necessities. I will be in a tight contact with the understudy and his/her parent/gatekeeper so I can know that they are working with him/her at home. On the off chance that this isn?t the case, at that point I will match this understudy up with another understudy after school, with myself, or with another person that would give this understudy additional time.

Compare and Contrast in Nursing

Question: Pick two offspring of the Same age, One Development inside Normal cutoff points and One with Some Degree of Physical or Cognitive Delay. Investigate their Development levels connecting in with Developmental speculations. Answer: Presentation Youngsters have various rates/methods of creating. As the cerebrum of a kid creates, there are things they gain from the fundamental capacities, for example, perceiving a people guardians to assignments that are intricate that are fused in arithmetic, language and plays that are nonexistent. Tragically, about 8% of adolescents have a weakened turn of events and can be viewed as having a subjective postponement. (Arlin, 2015)This paper shows the likenesses and contrasts between a youngster with advancement inside as far as possible and one with some level of intellectual or physical deferral. It additionally gives us manners by which psychological postponement can be dealt with and analyzed just as a rundown of the hazard factors. Their degrees of advancement connecting with hypotheses of improvement and proof accessible from family and kid proof of wellbeing (Brickhard, 2008). The intellectual postponement is characterized as a slack that is critical in the subjective advancement of a youngster when contrasted with achievements that have been normalized. It is critical to grasp insight, which is a procedure of comprehension and gaining information by means of our faculties, encounters, and musings. For a kid to endure defers a standard must be built up against which their advancement is thought about. The standard comes in type of formative achievements or an edge of time of improvement during which an individual can expect a kid creating inside the typical range to increase an abilities.(Broughton, 2009) For example, utilizing a seven months old adolescent. A kid at this age, with ordinary turn of events, ought to have the option to grasp their name when one addresses them. They won't have the option to compose, talk or read their name however the individual in question ought to have the option to recognize it somehow (be energized by waving the arms or g oing to the one talking). Presently, on the grounds that an adolescent at this age doesn't recognize their name when they turn a half year old doesnt imply that their gatekeepers ought to be frightened. For every single formative achievement theres some space for squirm, so a youthful individual may grow such capacities at 4 months or take up to nine months. In any case, in the event that the person in question would one say one is year and cant perceive their name, at that point its a solid sign that they are subjective postponed? Youths create and develop at different rates (Rumaine, 2013). In any case, a large portion of them go by means of abilities that can be distinguished set along the way known as formative achievements. These are abilities based on each other to complex from basic unsurprising timeframes. For example, a newborn child must have the option to jibber jabber single letters at around four to a half year before the different letters at seven to nine months before three to two condemned words at eighteen to two years. Diagrams of achievement speaks to a timetable for acing these aptitudes which go about as a manual for the improvement of a youngster inside the ordinary range. Remembering that youths have various paces of improvement and that a kid can grow quicker in one are contrasted with the other. Youngsters don't create abilities on a timetable that is severe. For example, a few youths start to stroll at nine years old months while some don't make their underlying strides until the age of fifteen months. Both of these babies are inside the regular scope of advancement. (Biggs, 2012) The sorts of postpones that are fleeting when infants make up for lost time without anyone else as a rule cause no worry. In any case, for those with psychological postponement is only more than more slow in creating. It just implies that your young one is a long ways behind in aptitudes than the rest at their age. For example, a kid who isn't turning over by the fourth month may very well be behind in that solitary ability. Be that as it may, if shes not fit for holding her head high and pushing up when lying on his stomach, she is far much behind. That is an indication of postponement being developed (Scardamalia, 2012). Any youngster can be influenced by intellectual formative deferrals, however therere factors that are unsafe. Sexual orientation is perhaps the best worry with a lesser extent of females being influenced than guys. For instance, mental imbalance influences multiple times the mens number than ladies. This can be clarified by numerous states of hereditary qualities conveyed by X chromosome. Guys have one Y and one X chromosome while the females convey two X chromosomes. With a solitary X chromosome, the likelihood of a current variation from the norm is lesser with females in light of the fact that in female cases there can be a pay with the second chromosome. (Beilin, 2011)The moms foundation can likewise influence the childs possibility of being brought forth with a formative postponement. Under 18 moms, with less training years, and moms who are not hitched have a more prominent possibility of bringing forth subjectively deferred youngsters. In the event that a pregnant mother utili zes liquor or tobacco, shes putting her child at a postpone chance just as if not have a pre-birth minds that is appropriate at her initial pregnancy stages. Therere are likewise factors of hazard for a kid. Underweight and untimely are inclined to subjective formative deferrals. Numerous births additionally have more prominent defer hazards as does any adolescent with the variation from the norm of hereditary qualities. (Delicate X disorder, Down condition). Its basic to take note of that these are simply factors of hazard. A youngster or mother can have every one of these variables of hazard and a kid may even have a totally typical improvement in light of the fact that formative psychological is a wide term. Be that as it may, guardians who might be stressed over their youngster pace of advancement are encouraged to search out for a specialist for assessment. During this assessment, the master will test the capacity of a youngster to convey, their passionate aptitudes of duplicating, social gifts and their capacity to tackle and distinguish abilities. The person in question will likewise lead a meeting with the childs guardians, audit the clinical history of a youngster and conceivably a normalized assessment given to the child.(Krus, 2013) Theres proof that youths with Down disorder are unique in relation to babies creating in the arrangement and improvement of their attentional assets and have known disabilities of nervous system science. For example, contrasts in early earliest stages and in utero have been found, in the baby habituation rate with Down condition (Shaidullah, 2012). They likewise show different visual inclination designs in beginning times of earliest stages (Fantz Miranda, 2013). Correspondingly, when doing preparing errands of data, people with Down condition show contrasts amplitudes of occasions of the cerebrum. These distinctions are probably going to be outcomes of formative and basic contrasts of the cortex and frontal flaps Depending on the conclusion for what caused the deferral being developed therere numerous alternatives of treatment. On the off chance that theres hereditary or clinical explanation behind the postponement, at that point the specialists will work with the watchmen to create an arrangement of treatment to augment the improvement of a kid. Some youthful people like those with Down disorder or chemical imbalance, can create sets that are exceptional with consistent treatment and early intervention.(Gump, 2014) Others with fundamental clinical entanglements may strive to create aptitudes that are a long ways past the beginning periods of early stages. On the off chance that the deferral being developed is natural, such as originating from a family that isn't steady or a poor foundation, the advancement of improvement can be supported and observed by specialists, social administrations and authorities of the school. A youth with such postpones needs treatment in discourse structure or tre atment of language, particular assistance in scholastics or treatment of conduct (Walterss, 2013). Advancement is age arrangement related changes that may happen over the life expectancy course. Most well known analysts including Freud Sigmund, Erikson-Erik, Piaget Jean and Kohlberg Lawrence depict improvement as stage arrangement. Stage is season of advancement where people display regular examples of conduct and build up different limits. The various hypotheses of stage share two presumptions: people go by means of stages in a specific request, with each working of stage on limits that had been created in the underlying stage (Bandura, 2011). Understanding the advancement of a youngster is significant in light of the fact that it licenses us to acknowledge completely the enthusiastic, intellectual, instructive, social and financial development that youthful people experience into early adulthood from birth. A portion of the fundamental speculations of the improvement of a youngster are called fantastic hypotheses; they attempt to depict every advancement angle, generally utilizing the arranged methodology. Speculations of kid advancement point on clarifying manners by which kids develop and change over youth seminar on various improvement perspectives consolidating subjective, enthusiastic and social development. The rest are called smaller than expected hypotheses, they rather point on a constrained advancement perspective, for example, social and psychological growth.(Baldwin, 2015) coming up next are only not many on the numerous speculations of the improvement of a youngster that a have been proposed by scientists and scholars. These speculations are as per the following: The hypothesis of psychoanalytic of the advancement of a kid will in general focus on things like shaping the sense of self. The two essential improvement speculations of psychoanalytic are the hypothesis of Freud Sigmund of the advancement of psychosis and Erikson-Erik psychosocial improvement hypothesis. Erik had the conviction that each improvement stage planned for beating clashes. For example, the fundamental clash during the time of youthfulness consolidates building up an individual feeling of character. Disappointment or achievement in dealing with clashes at each stage can influence the entire working. During the phase of youth, for example, disappointment for one to create consequences of personality in the disarray job. Besides, conduct kid speculations focus on the route associations in the enviro

Is It Too Early to Start Saving for the Holidays

Is It Too Early to Start Saving for the Holidays Is It Too Early to Start Saving for the Holidays? Is It Too Early to Start Saving for the Holidays?Trick question. Its never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg.It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of the Holiday Time!Whether you celebrate Christmas, Hanukkah, Winter Solstice, or Festivus, Americans go all out when it comes to holiday spending. Unfortunately, that means your wallet and bank account won’t be filled with holiday cheer. Instead, your holiday cheer will be leaving them completely empty.If you want to be prepared for the shopping challenges to come, you’re going to need to start saving. But is it too early to start saving for the holidays? No, it is not.Every savings expert we talked to assured us that it is not too early to start saving for the holiday season. So you probably know what you should be doing once you finish this article.“It is definitely not too early to start saving for the Holidays,” advised financial educator and ExBanker Joseph Dillard. “In fact, I think it is a little late but not too late. We know that the holidays are the same time every year. I think you should start saving for the holidays at the beginning of the year.”And as we said, Dillard wasn’t alone in suggesting you start your holiday saving right now, if not sooner.“As a third generation thrift shopper, I can honestly say that EVERY day is the perfect day to start saving on holiday shopping!” suggested Carrie Aulenbacher, creator of the Erie Shopping page.Real estate professional Chantay Bridges echoed Dillard’s warning: “Its almost too late. Now is a great time to begin prepping for the next few months, getting ready and get a great head start for the holidays.”OK so now we know that it’s already time to start saving for the holidays, but how would one go about doing that?Make a p lan.There’s a reason Sun Tzu started his less popular sequel, The Art of Saving, with an entire chapter on making plans. Because making plans is the first step towards saving, as our experts advised. Clearly, they got some Sun Tzu in their stockings last holiday season!“Make a list of the people you plan on buying for and place the amount of money you plan on spending on each person,” explained financial coach and author Karen Ford. “Total the figures and that’s your budget for the holidays. Divide that amount with the number of weeks before shopping. This is how much you need to save each week for the shopping trips. The better prepared you are with cash the less likely you’ll need to go into debt.”Dillard backed up that advice: “You should determine how much it is going to cost, then divide that amount evenly throughout the year into weekly, biweekly, or monthly amounts, then have that amount transferred to an online savings account, directly from your paycheck if possible, to make access to it a little more difficult.“Deposit money regularly into another savings account to use for emergencies and to make sure that you do not dip into your holiday savings account. Some banks and credit unions still have what is known as a ‘Christmas Club’ Savings Account. This is specifically for saving for the holidays.”Once your plan is set, you’re going to want to make some adjustments to your lifestyle to make achieving those savings goals easier.Savings strategies.If saving was simple, you’d be doing it perfectly already. But if you want to be in the best possible financial situation for the holidays, it’ll mean some alterations for the rest of the year.Bridges offered us a few such adjustments to consider:“Give yourself a curfew: I know you are no longer a teenager but if you reduce the amount of activities you normally do, including hanging out at night, you are sure to secure more dollars for your holiday savings account.  While your friends run to happy hour, spending their extra cash, yours will be right where it belongs, in your pocket. Go straight home after work and watch your dollars add up!“Switch the script: I know you have a regular routine. Each day you stop by your favorite coffee place, grab a cup, muffin, or breakfast sandwich and head to work. If you switch up a little bit, spend that time making your breakfast pick-me-up at home, you will save a nice portion that can go towards the upcoming holidays with no regret of overspending because youll be ready with extra on hand.“Begin to walk: In lieu of paying for extravagant parking, you can park on the streets a little further out. The exercise will do you good and save your pocketbook  so much you can put it in your holiday fund.”You also don’t have to limit your holiday shopping to the holiday season. In fact, you might save a lot more if you don’t!“I hit estate sales weekly throughout the year and come across all types of holiday decora tions and special (still wrapped! with tags!) gifts that can be picked up on the cheap and added to the present pile at home,” advised Aulenbacher. “Many gifts can be picked up this way that dont even need to be holiday themed.An old book, some unique blown glass piece, anything goes these days for gifts, and estate sale and consignment sale shopping can really help get you set up for holiday gift giving at a fraction of the price. Keeping the person in mind when you shop and finding them something that one cant buy online is sometimes the best way to show you appreciate and care about them.Plus, you save on the budget, dont pay for shipping, and help local entrepreneurs right in your hometown community!”Holiday switch-em-up.In addition to changing the way you do your holiday saving, you could change the way you do your holiday shopping. Maybe even consider less shopping.Here’s what author and financial life planner Michael F. Kay  had to say:“As you approach the holidays, it’s time to consider and confront some big issues. For example, are you going to put a hard budget in place before the holiday music hits the airwaves, or are you perhaps going to shift your celebration away from buying and instead focus on creating an experience to share with those you love and value?There are lots of ways to spend the holidays rather than overspending. Here are a few ideas:“Create a project for your family to join in that might have a charitable intent. I know one family that asks all family members (other than small children) to forgo gifts in exchange for making a family donation to a charity of choice.“Donate time at a soup kitchen or some other project that shifts your focus from spending financial resources to joyful giving.“Have conversations with your family members to arrange holiday celebrations to be more inclusive of combined efforts, such as gift exchanges with a strict limitation on spending.”Whether you decide to go all out or have a more modest holiday season, starting your saving now won’t hurt. And with these tips, your wallet will certainly be feeling a little jollier. To learn more about saving money on everyday activities, check out these related posts from OppLoans:50 Places That Will Give You Free Stuff on Your BirthdayHere’s How to Save on Movies Now That MoviePass is Probably Done4 Simple Ways to Save Money on Your Grocery Billâ€"While Still Eating Healthy!Whats your preferred strategy for holiday saving? We want to hear about it! You can find us  on  Facebook  and  Twitter.ContributorsCarrie Aulenbacher is a third generation thrift shopper in Erie, PA, who enjoys sharing her love of saving with her community. She hosts a FB page,  Erie Shopping, where members can see her county-wide map and check out consignment and thrift shops throughout the area to enjoy great savings. In her spare time, she is a romance novelist and working mom who loves a cat in her lap when shes not shopping!Chantay Bridges is A mericas leading mogul, who utilizes her gifts and abilities in outreach to her community and world around her.  She is an exceptional Realtor, (translation: the one you want to hire), Author, Speaker and a keen philanthropist with a strong business acumen.Joseph Dillard  graduated from Northwestern University in Evanston, Illinois in 1989 with a B.A. in Economics. He has been in the financial services industry for 30 years, with 15 years in Retail Banking Management. Joseph also has a Life Insurance license, in addition to Series 6 and Series 63 licenses. His experience in Banking and involvement in the community lead Joseph to become very passionate about Financial Education. He wants individuals to learn how to take advantage of the financial services industry instead of being taken advantage of by that industry.Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for man y.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Michael F. Kay, is the founder and president of Financial Life Focus (FLF) (@FinLifeFocus), a fee-only multi-advisor financial life planning firm. Kay established FLF on the belief that advisors should keep their focus on what their clients find meaningful and help them align their values and their money. Kay, an early leader in the financial life planning movement, is the author of two books: The Feel Rich Project, a playbook that shows readers how to match their money with the life they want and The Business of Life, a guide for financial planners to align their practice with their lives.

Is It Too Early to Start Saving for the Holidays

Is It Too Early to Start Saving for the Holidays Is It Too Early to Start Saving for the Holidays? Is It Too Early to Start Saving for the Holidays?Trick question. Its never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg.It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of the Holiday Time!Whether you celebrate Christmas, Hanukkah, Winter Solstice, or Festivus, Americans go all out when it comes to holiday spending. Unfortunately, that means your wallet and bank account won’t be filled with holiday cheer. Instead, your holiday cheer will be leaving them completely empty.If you want to be prepared for the shopping challenges to come, you’re going to need to start saving. But is it too early to start saving for the holidays? No, it is not.Every savings expert we talked to assured us that it is not too early to start saving for the holiday season. So you probably know what you should be doing once you finish this article.“It is definitely not too early to start saving for the Holidays,” advised financial educator and ExBanker Joseph Dillard. “In fact, I think it is a little late but not too late. We know that the holidays are the same time every year. I think you should start saving for the holidays at the beginning of the year.”And as we said, Dillard wasn’t alone in suggesting you start your holiday saving right now, if not sooner.“As a third generation thrift shopper, I can honestly say that EVERY day is the perfect day to start saving on holiday shopping!” suggested Carrie Aulenbacher, creator of the Erie Shopping page.Real estate professional Chantay Bridges echoed Dillard’s warning: “Its almost too late. Now is a great time to begin prepping for the next few months, getting ready and get a great head start for the holidays.”OK so now we know that it’s already time to start saving for the holidays, but how would one go about doing that?Make a p lan.There’s a reason Sun Tzu started his less popular sequel, The Art of Saving, with an entire chapter on making plans. Because making plans is the first step towards saving, as our experts advised. Clearly, they got some Sun Tzu in their stockings last holiday season!“Make a list of the people you plan on buying for and place the amount of money you plan on spending on each person,” explained financial coach and author Karen Ford. “Total the figures and that’s your budget for the holidays. Divide that amount with the number of weeks before shopping. This is how much you need to save each week for the shopping trips. The better prepared you are with cash the less likely you’ll need to go into debt.”Dillard backed up that advice: “You should determine how much it is going to cost, then divide that amount evenly throughout the year into weekly, biweekly, or monthly amounts, then have that amount transferred to an online savings account, directly from your paycheck if possible, to make access to it a little more difficult.“Deposit money regularly into another savings account to use for emergencies and to make sure that you do not dip into your holiday savings account. Some banks and credit unions still have what is known as a ‘Christmas Club’ Savings Account. This is specifically for saving for the holidays.”Once your plan is set, you’re going to want to make some adjustments to your lifestyle to make achieving those savings goals easier.Savings strategies.If saving was simple, you’d be doing it perfectly already. But if you want to be in the best possible financial situation for the holidays, it’ll mean some alterations for the rest of the year.Bridges offered us a few such adjustments to consider:“Give yourself a curfew: I know you are no longer a teenager but if you reduce the amount of activities you normally do, including hanging out at night, you are sure to secure more dollars for your holiday savings account.  While your friends run to happy hour, spending their extra cash, yours will be right where it belongs, in your pocket. Go straight home after work and watch your dollars add up!“Switch the script: I know you have a regular routine. Each day you stop by your favorite coffee place, grab a cup, muffin, or breakfast sandwich and head to work. If you switch up a little bit, spend that time making your breakfast pick-me-up at home, you will save a nice portion that can go towards the upcoming holidays with no regret of overspending because youll be ready with extra on hand.“Begin to walk: In lieu of paying for extravagant parking, you can park on the streets a little further out. The exercise will do you good and save your pocketbook  so much you can put it in your holiday fund.”You also don’t have to limit your holiday shopping to the holiday season. In fact, you might save a lot more if you don’t!“I hit estate sales weekly throughout the year and come across all types of holiday decora tions and special (still wrapped! with tags!) gifts that can be picked up on the cheap and added to the present pile at home,” advised Aulenbacher. “Many gifts can be picked up this way that dont even need to be holiday themed.An old book, some unique blown glass piece, anything goes these days for gifts, and estate sale and consignment sale shopping can really help get you set up for holiday gift giving at a fraction of the price. Keeping the person in mind when you shop and finding them something that one cant buy online is sometimes the best way to show you appreciate and care about them.Plus, you save on the budget, dont pay for shipping, and help local entrepreneurs right in your hometown community!”Holiday switch-em-up.In addition to changing the way you do your holiday saving, you could change the way you do your holiday shopping. Maybe even consider less shopping.Here’s what author and financial life planner Michael F. Kay  had to say:“As you approach the holidays, it’s time to consider and confront some big issues. For example, are you going to put a hard budget in place before the holiday music hits the airwaves, or are you perhaps going to shift your celebration away from buying and instead focus on creating an experience to share with those you love and value?There are lots of ways to spend the holidays rather than overspending. Here are a few ideas:“Create a project for your family to join in that might have a charitable intent. I know one family that asks all family members (other than small children) to forgo gifts in exchange for making a family donation to a charity of choice.“Donate time at a soup kitchen or some other project that shifts your focus from spending financial resources to joyful giving.“Have conversations with your family members to arrange holiday celebrations to be more inclusive of combined efforts, such as gift exchanges with a strict limitation on spending.”Whether you decide to go all out or have a more modest holiday season, starting your saving now won’t hurt. And with these tips, your wallet will certainly be feeling a little jollier. To learn more about saving money on everyday activities, check out these related posts from OppLoans:50 Places That Will Give You Free Stuff on Your BirthdayHere’s How to Save on Movies Now That MoviePass is Probably Done4 Simple Ways to Save Money on Your Grocery Billâ€"While Still Eating Healthy!Whats your preferred strategy for holiday saving? We want to hear about it! You can find us  on  Facebook  and  Twitter.ContributorsCarrie Aulenbacher is a third generation thrift shopper in Erie, PA, who enjoys sharing her love of saving with her community. She hosts a FB page,  Erie Shopping, where members can see her county-wide map and check out consignment and thrift shops throughout the area to enjoy great savings. In her spare time, she is a romance novelist and working mom who loves a cat in her lap when shes not shopping!Chantay Bridges is A mericas leading mogul, who utilizes her gifts and abilities in outreach to her community and world around her.  She is an exceptional Realtor, (translation: the one you want to hire), Author, Speaker and a keen philanthropist with a strong business acumen.Joseph Dillard  graduated from Northwestern University in Evanston, Illinois in 1989 with a B.A. in Economics. He has been in the financial services industry for 30 years, with 15 years in Retail Banking Management. Joseph also has a Life Insurance license, in addition to Series 6 and Series 63 licenses. His experience in Banking and involvement in the community lead Joseph to become very passionate about Financial Education. He wants individuals to learn how to take advantage of the financial services industry instead of being taken advantage of by that industry.Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for man y.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Michael F. Kay, is the founder and president of Financial Life Focus (FLF) (@FinLifeFocus), a fee-only multi-advisor financial life planning firm. Kay established FLF on the belief that advisors should keep their focus on what their clients find meaningful and help them align their values and their money. Kay, an early leader in the financial life planning movement, is the author of two books: The Feel Rich Project, a playbook that shows readers how to match their money with the life they want and The Business of Life, a guide for financial planners to align their practice with their lives.

Is It Too Early to Start Saving for the Holidays

Is It Too Early to Start Saving for the Holidays Is It Too Early to Start Saving for the Holidays? Is It Too Early to Start Saving for the Holidays?Trick question. Its never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg.It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of the Holiday Time!Whether you celebrate Christmas, Hanukkah, Winter Solstice, or Festivus, Americans go all out when it comes to holiday spending. Unfortunately, that means your wallet and bank account won’t be filled with holiday cheer. Instead, your holiday cheer will be leaving them completely empty.If you want to be prepared for the shopping challenges to come, you’re going to need to start saving. But is it too early to start saving for the holidays? No, it is not.Every savings expert we talked to assured us that it is not too early to start saving for the holiday season. So you probably know what you should be doing once you finish this article.“It is definitely not too early to start saving for the Holidays,” advised financial educator and ExBanker Joseph Dillard. “In fact, I think it is a little late but not too late. We know that the holidays are the same time every year. I think you should start saving for the holidays at the beginning of the year.”And as we said, Dillard wasn’t alone in suggesting you start your holiday saving right now, if not sooner.“As a third generation thrift shopper, I can honestly say that EVERY day is the perfect day to start saving on holiday shopping!” suggested Carrie Aulenbacher, creator of the Erie Shopping page.Real estate professional Chantay Bridges echoed Dillard’s warning: “Its almost too late. Now is a great time to begin prepping for the next few months, getting ready and get a great head start for the holidays.”OK so now we know that it’s already time to start saving for the holidays, but how would one go about doing that?Make a p lan.There’s a reason Sun Tzu started his less popular sequel, The Art of Saving, with an entire chapter on making plans. Because making plans is the first step towards saving, as our experts advised. Clearly, they got some Sun Tzu in their stockings last holiday season!“Make a list of the people you plan on buying for and place the amount of money you plan on spending on each person,” explained financial coach and author Karen Ford. “Total the figures and that’s your budget for the holidays. Divide that amount with the number of weeks before shopping. This is how much you need to save each week for the shopping trips. The better prepared you are with cash the less likely you’ll need to go into debt.”Dillard backed up that advice: “You should determine how much it is going to cost, then divide that amount evenly throughout the year into weekly, biweekly, or monthly amounts, then have that amount transferred to an online savings account, directly from your paycheck if possible, to make access to it a little more difficult.“Deposit money regularly into another savings account to use for emergencies and to make sure that you do not dip into your holiday savings account. Some banks and credit unions still have what is known as a ‘Christmas Club’ Savings Account. This is specifically for saving for the holidays.”Once your plan is set, you’re going to want to make some adjustments to your lifestyle to make achieving those savings goals easier.Savings strategies.If saving was simple, you’d be doing it perfectly already. But if you want to be in the best possible financial situation for the holidays, it’ll mean some alterations for the rest of the year.Bridges offered us a few such adjustments to consider:“Give yourself a curfew: I know you are no longer a teenager but if you reduce the amount of activities you normally do, including hanging out at night, you are sure to secure more dollars for your holiday savings account.  While your friends run to happy hour, spending their extra cash, yours will be right where it belongs, in your pocket. Go straight home after work and watch your dollars add up!“Switch the script: I know you have a regular routine. Each day you stop by your favorite coffee place, grab a cup, muffin, or breakfast sandwich and head to work. If you switch up a little bit, spend that time making your breakfast pick-me-up at home, you will save a nice portion that can go towards the upcoming holidays with no regret of overspending because youll be ready with extra on hand.“Begin to walk: In lieu of paying for extravagant parking, you can park on the streets a little further out. The exercise will do you good and save your pocketbook  so much you can put it in your holiday fund.”You also don’t have to limit your holiday shopping to the holiday season. In fact, you might save a lot more if you don’t!“I hit estate sales weekly throughout the year and come across all types of holiday decora tions and special (still wrapped! with tags!) gifts that can be picked up on the cheap and added to the present pile at home,” advised Aulenbacher. “Many gifts can be picked up this way that dont even need to be holiday themed.An old book, some unique blown glass piece, anything goes these days for gifts, and estate sale and consignment sale shopping can really help get you set up for holiday gift giving at a fraction of the price. Keeping the person in mind when you shop and finding them something that one cant buy online is sometimes the best way to show you appreciate and care about them.Plus, you save on the budget, dont pay for shipping, and help local entrepreneurs right in your hometown community!”Holiday switch-em-up.In addition to changing the way you do your holiday saving, you could change the way you do your holiday shopping. Maybe even consider less shopping.Here’s what author and financial life planner Michael F. Kay  had to say:“As you approach the holidays, it’s time to consider and confront some big issues. For example, are you going to put a hard budget in place before the holiday music hits the airwaves, or are you perhaps going to shift your celebration away from buying and instead focus on creating an experience to share with those you love and value?There are lots of ways to spend the holidays rather than overspending. Here are a few ideas:“Create a project for your family to join in that might have a charitable intent. I know one family that asks all family members (other than small children) to forgo gifts in exchange for making a family donation to a charity of choice.“Donate time at a soup kitchen or some other project that shifts your focus from spending financial resources to joyful giving.“Have conversations with your family members to arrange holiday celebrations to be more inclusive of combined efforts, such as gift exchanges with a strict limitation on spending.”Whether you decide to go all out or have a more modest holiday season, starting your saving now won’t hurt. And with these tips, your wallet will certainly be feeling a little jollier. To learn more about saving money on everyday activities, check out these related posts from OppLoans:50 Places That Will Give You Free Stuff on Your BirthdayHere’s How to Save on Movies Now That MoviePass is Probably Done4 Simple Ways to Save Money on Your Grocery Billâ€"While Still Eating Healthy!Whats your preferred strategy for holiday saving? We want to hear about it! You can find us  on  Facebook  and  Twitter.ContributorsCarrie Aulenbacher is a third generation thrift shopper in Erie, PA, who enjoys sharing her love of saving with her community. She hosts a FB page,  Erie Shopping, where members can see her county-wide map and check out consignment and thrift shops throughout the area to enjoy great savings. In her spare time, she is a romance novelist and working mom who loves a cat in her lap when shes not shopping!Chantay Bridges is A mericas leading mogul, who utilizes her gifts and abilities in outreach to her community and world around her.  She is an exceptional Realtor, (translation: the one you want to hire), Author, Speaker and a keen philanthropist with a strong business acumen.Joseph Dillard  graduated from Northwestern University in Evanston, Illinois in 1989 with a B.A. in Economics. He has been in the financial services industry for 30 years, with 15 years in Retail Banking Management. Joseph also has a Life Insurance license, in addition to Series 6 and Series 63 licenses. His experience in Banking and involvement in the community lead Joseph to become very passionate about Financial Education. He wants individuals to learn how to take advantage of the financial services industry instead of being taken advantage of by that industry.Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for man y.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Michael F. Kay, is the founder and president of Financial Life Focus (FLF) (@FinLifeFocus), a fee-only multi-advisor financial life planning firm. Kay established FLF on the belief that advisors should keep their focus on what their clients find meaningful and help them align their values and their money. Kay, an early leader in the financial life planning movement, is the author of two books: The Feel Rich Project, a playbook that shows readers how to match their money with the life they want and The Business of Life, a guide for financial planners to align their practice with their lives.

Is It Too Early to Start Saving for the Holidays

Is It Too Early to Start Saving for the Holidays Is It Too Early to Start Saving for the Holidays? Is It Too Early to Start Saving for the Holidays?Trick question. Its never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg.It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of the Holiday Time!Whether you celebrate Christmas, Hanukkah, Winter Solstice, or Festivus, Americans go all out when it comes to holiday spending. Unfortunately, that means your wallet and bank account won’t be filled with holiday cheer. Instead, your holiday cheer will be leaving them completely empty.If you want to be prepared for the shopping challenges to come, you’re going to need to start saving. But is it too early to start saving for the holidays? No, it is not.Every savings expert we talked to assured us that it is not too early to start saving for the holiday season. So you probably know what you should be doing once you finish this article.“It is definitely not too early to start saving for the Holidays,” advised financial educator and ExBanker Joseph Dillard. “In fact, I think it is a little late but not too late. We know that the holidays are the same time every year. I think you should start saving for the holidays at the beginning of the year.”And as we said, Dillard wasn’t alone in suggesting you start your holiday saving right now, if not sooner.“As a third generation thrift shopper, I can honestly say that EVERY day is the perfect day to start saving on holiday shopping!” suggested Carrie Aulenbacher, creator of the Erie Shopping page.Real estate professional Chantay Bridges echoed Dillard’s warning: “Its almost too late. Now is a great time to begin prepping for the next few months, getting ready and get a great head start for the holidays.”OK so now we know that it’s already time to start saving for the holidays, but how would one go about doing that?Make a p lan.There’s a reason Sun Tzu started his less popular sequel, The Art of Saving, with an entire chapter on making plans. Because making plans is the first step towards saving, as our experts advised. Clearly, they got some Sun Tzu in their stockings last holiday season!“Make a list of the people you plan on buying for and place the amount of money you plan on spending on each person,” explained financial coach and author Karen Ford. “Total the figures and that’s your budget for the holidays. Divide that amount with the number of weeks before shopping. This is how much you need to save each week for the shopping trips. The better prepared you are with cash the less likely you’ll need to go into debt.”Dillard backed up that advice: “You should determine how much it is going to cost, then divide that amount evenly throughout the year into weekly, biweekly, or monthly amounts, then have that amount transferred to an online savings account, directly from your paycheck if possible, to make access to it a little more difficult.“Deposit money regularly into another savings account to use for emergencies and to make sure that you do not dip into your holiday savings account. Some banks and credit unions still have what is known as a ‘Christmas Club’ Savings Account. This is specifically for saving for the holidays.”Once your plan is set, you’re going to want to make some adjustments to your lifestyle to make achieving those savings goals easier.Savings strategies.If saving was simple, you’d be doing it perfectly already. But if you want to be in the best possible financial situation for the holidays, it’ll mean some alterations for the rest of the year.Bridges offered us a few such adjustments to consider:“Give yourself a curfew: I know you are no longer a teenager but if you reduce the amount of activities you normally do, including hanging out at night, you are sure to secure more dollars for your holiday savings account.  While your friends run to happy hour, spending their extra cash, yours will be right where it belongs, in your pocket. Go straight home after work and watch your dollars add up!“Switch the script: I know you have a regular routine. Each day you stop by your favorite coffee place, grab a cup, muffin, or breakfast sandwich and head to work. If you switch up a little bit, spend that time making your breakfast pick-me-up at home, you will save a nice portion that can go towards the upcoming holidays with no regret of overspending because youll be ready with extra on hand.“Begin to walk: In lieu of paying for extravagant parking, you can park on the streets a little further out. The exercise will do you good and save your pocketbook  so much you can put it in your holiday fund.”You also don’t have to limit your holiday shopping to the holiday season. In fact, you might save a lot more if you don’t!“I hit estate sales weekly throughout the year and come across all types of holiday decora tions and special (still wrapped! with tags!) gifts that can be picked up on the cheap and added to the present pile at home,” advised Aulenbacher. “Many gifts can be picked up this way that dont even need to be holiday themed.An old book, some unique blown glass piece, anything goes these days for gifts, and estate sale and consignment sale shopping can really help get you set up for holiday gift giving at a fraction of the price. Keeping the person in mind when you shop and finding them something that one cant buy online is sometimes the best way to show you appreciate and care about them.Plus, you save on the budget, dont pay for shipping, and help local entrepreneurs right in your hometown community!”Holiday switch-em-up.In addition to changing the way you do your holiday saving, you could change the way you do your holiday shopping. Maybe even consider less shopping.Here’s what author and financial life planner Michael F. Kay  had to say:“As you approach the holidays, it’s time to consider and confront some big issues. For example, are you going to put a hard budget in place before the holiday music hits the airwaves, or are you perhaps going to shift your celebration away from buying and instead focus on creating an experience to share with those you love and value?There are lots of ways to spend the holidays rather than overspending. Here are a few ideas:“Create a project for your family to join in that might have a charitable intent. I know one family that asks all family members (other than small children) to forgo gifts in exchange for making a family donation to a charity of choice.“Donate time at a soup kitchen or some other project that shifts your focus from spending financial resources to joyful giving.“Have conversations with your family members to arrange holiday celebrations to be more inclusive of combined efforts, such as gift exchanges with a strict limitation on spending.”Whether you decide to go all out or have a more modest holiday season, starting your saving now won’t hurt. And with these tips, your wallet will certainly be feeling a little jollier. To learn more about saving money on everyday activities, check out these related posts from OppLoans:50 Places That Will Give You Free Stuff on Your BirthdayHere’s How to Save on Movies Now That MoviePass is Probably Done4 Simple Ways to Save Money on Your Grocery Billâ€"While Still Eating Healthy!Whats your preferred strategy for holiday saving? We want to hear about it! You can find us  on  Facebook  and  Twitter.ContributorsCarrie Aulenbacher is a third generation thrift shopper in Erie, PA, who enjoys sharing her love of saving with her community. She hosts a FB page,  Erie Shopping, where members can see her county-wide map and check out consignment and thrift shops throughout the area to enjoy great savings. In her spare time, she is a romance novelist and working mom who loves a cat in her lap when shes not shopping!Chantay Bridges is A mericas leading mogul, who utilizes her gifts and abilities in outreach to her community and world around her.  She is an exceptional Realtor, (translation: the one you want to hire), Author, Speaker and a keen philanthropist with a strong business acumen.Joseph Dillard  graduated from Northwestern University in Evanston, Illinois in 1989 with a B.A. in Economics. He has been in the financial services industry for 30 years, with 15 years in Retail Banking Management. Joseph also has a Life Insurance license, in addition to Series 6 and Series 63 licenses. His experience in Banking and involvement in the community lead Joseph to become very passionate about Financial Education. He wants individuals to learn how to take advantage of the financial services industry instead of being taken advantage of by that industry.Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for man y.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Michael F. Kay, is the founder and president of Financial Life Focus (FLF) (@FinLifeFocus), a fee-only multi-advisor financial life planning firm. Kay established FLF on the belief that advisors should keep their focus on what their clients find meaningful and help them align their values and their money. Kay, an early leader in the financial life planning movement, is the author of two books: The Feel Rich Project, a playbook that shows readers how to match their money with the life they want and The Business of Life, a guide for financial planners to align their practice with their lives.

Is It Too Early to Start Saving for the Holidays

Is It Too Early to Start Saving for the Holidays Is It Too Early to Start Saving for the Holidays? Is It Too Early to Start Saving for the Holidays?Trick question. Its never too early to start saving. With that in mind, here are some tips and strategies to help you build your holiday shopping nest egg.It’s almost spooky Halloween time which means it’s almost Thanksgiving time which means it’s almost time for both of those times to be ignored in favor of the Holiday Time!Whether you celebrate Christmas, Hanukkah, Winter Solstice, or Festivus, Americans go all out when it comes to holiday spending. Unfortunately, that means your wallet and bank account won’t be filled with holiday cheer. Instead, your holiday cheer will be leaving them completely empty.If you want to be prepared for the shopping challenges to come, you’re going to need to start saving. But is it too early to start saving for the holidays? No, it is not.Every savings expert we talked to assured us that it is not too early to start saving for the holiday season. So you probably know what you should be doing once you finish this article.“It is definitely not too early to start saving for the Holidays,” advised financial educator and ExBanker Joseph Dillard. “In fact, I think it is a little late but not too late. We know that the holidays are the same time every year. I think you should start saving for the holidays at the beginning of the year.”And as we said, Dillard wasn’t alone in suggesting you start your holiday saving right now, if not sooner.“As a third generation thrift shopper, I can honestly say that EVERY day is the perfect day to start saving on holiday shopping!” suggested Carrie Aulenbacher, creator of the Erie Shopping page.Real estate professional Chantay Bridges echoed Dillard’s warning: “Its almost too late. Now is a great time to begin prepping for the next few months, getting ready and get a great head start for the holidays.”OK so now we know that it’s already time to start saving for the holidays, but how would one go about doing that?Make a p lan.There’s a reason Sun Tzu started his less popular sequel, The Art of Saving, with an entire chapter on making plans. Because making plans is the first step towards saving, as our experts advised. Clearly, they got some Sun Tzu in their stockings last holiday season!“Make a list of the people you plan on buying for and place the amount of money you plan on spending on each person,” explained financial coach and author Karen Ford. “Total the figures and that’s your budget for the holidays. Divide that amount with the number of weeks before shopping. This is how much you need to save each week for the shopping trips. The better prepared you are with cash the less likely you’ll need to go into debt.”Dillard backed up that advice: “You should determine how much it is going to cost, then divide that amount evenly throughout the year into weekly, biweekly, or monthly amounts, then have that amount transferred to an online savings account, directly from your paycheck if possible, to make access to it a little more difficult.“Deposit money regularly into another savings account to use for emergencies and to make sure that you do not dip into your holiday savings account. Some banks and credit unions still have what is known as a ‘Christmas Club’ Savings Account. This is specifically for saving for the holidays.”Once your plan is set, you’re going to want to make some adjustments to your lifestyle to make achieving those savings goals easier.Savings strategies.If saving was simple, you’d be doing it perfectly already. But if you want to be in the best possible financial situation for the holidays, it’ll mean some alterations for the rest of the year.Bridges offered us a few such adjustments to consider:“Give yourself a curfew: I know you are no longer a teenager but if you reduce the amount of activities you normally do, including hanging out at night, you are sure to secure more dollars for your holiday savings account.  While your friends run to happy hour, spending their extra cash, yours will be right where it belongs, in your pocket. Go straight home after work and watch your dollars add up!“Switch the script: I know you have a regular routine. Each day you stop by your favorite coffee place, grab a cup, muffin, or breakfast sandwich and head to work. If you switch up a little bit, spend that time making your breakfast pick-me-up at home, you will save a nice portion that can go towards the upcoming holidays with no regret of overspending because youll be ready with extra on hand.“Begin to walk: In lieu of paying for extravagant parking, you can park on the streets a little further out. The exercise will do you good and save your pocketbook  so much you can put it in your holiday fund.”You also don’t have to limit your holiday shopping to the holiday season. In fact, you might save a lot more if you don’t!“I hit estate sales weekly throughout the year and come across all types of holiday decora tions and special (still wrapped! with tags!) gifts that can be picked up on the cheap and added to the present pile at home,” advised Aulenbacher. “Many gifts can be picked up this way that dont even need to be holiday themed.An old book, some unique blown glass piece, anything goes these days for gifts, and estate sale and consignment sale shopping can really help get you set up for holiday gift giving at a fraction of the price. Keeping the person in mind when you shop and finding them something that one cant buy online is sometimes the best way to show you appreciate and care about them.Plus, you save on the budget, dont pay for shipping, and help local entrepreneurs right in your hometown community!”Holiday switch-em-up.In addition to changing the way you do your holiday saving, you could change the way you do your holiday shopping. Maybe even consider less shopping.Here’s what author and financial life planner Michael F. Kay  had to say:“As you approach the holidays, it’s time to consider and confront some big issues. For example, are you going to put a hard budget in place before the holiday music hits the airwaves, or are you perhaps going to shift your celebration away from buying and instead focus on creating an experience to share with those you love and value?There are lots of ways to spend the holidays rather than overspending. Here are a few ideas:“Create a project for your family to join in that might have a charitable intent. I know one family that asks all family members (other than small children) to forgo gifts in exchange for making a family donation to a charity of choice.“Donate time at a soup kitchen or some other project that shifts your focus from spending financial resources to joyful giving.“Have conversations with your family members to arrange holiday celebrations to be more inclusive of combined efforts, such as gift exchanges with a strict limitation on spending.”Whether you decide to go all out or have a more modest holiday season, starting your saving now won’t hurt. And with these tips, your wallet will certainly be feeling a little jollier. To learn more about saving money on everyday activities, check out these related posts from OppLoans:50 Places That Will Give You Free Stuff on Your BirthdayHere’s How to Save on Movies Now That MoviePass is Probably Done4 Simple Ways to Save Money on Your Grocery Billâ€"While Still Eating Healthy!Whats your preferred strategy for holiday saving? We want to hear about it! You can find us  on  Facebook  and  Twitter.ContributorsCarrie Aulenbacher is a third generation thrift shopper in Erie, PA, who enjoys sharing her love of saving with her community. She hosts a FB page,  Erie Shopping, where members can see her county-wide map and check out consignment and thrift shops throughout the area to enjoy great savings. In her spare time, she is a romance novelist and working mom who loves a cat in her lap when shes not shopping!Chantay Bridges is A mericas leading mogul, who utilizes her gifts and abilities in outreach to her community and world around her.  She is an exceptional Realtor, (translation: the one you want to hire), Author, Speaker and a keen philanthropist with a strong business acumen.Joseph Dillard  graduated from Northwestern University in Evanston, Illinois in 1989 with a B.A. in Economics. He has been in the financial services industry for 30 years, with 15 years in Retail Banking Management. Joseph also has a Life Insurance license, in addition to Series 6 and Series 63 licenses. His experience in Banking and involvement in the community lead Joseph to become very passionate about Financial Education. He wants individuals to learn how to take advantage of the financial services industry instead of being taken advantage of by that industry.Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for man y.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Michael F. Kay, is the founder and president of Financial Life Focus (FLF) (@FinLifeFocus), a fee-only multi-advisor financial life planning firm. Kay established FLF on the belief that advisors should keep their focus on what their clients find meaningful and help them align their values and their money. Kay, an early leader in the financial life planning movement, is the author of two books: The Feel Rich Project, a playbook that shows readers how to match their money with the life they want and The Business of Life, a guide for financial planners to align their practice with their lives.