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ES0-002 RES Wisdom 2009 Basic

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ES0-002 exam Dumps Source : RES Wisdom 2009 Basic

Test Code : ES0-002
Test cognomen : RES Wisdom 2009 Basic
Vendor cognomen : RES
: 60 actual Questions

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Walter H. Munk, Scientist-Explorer Who Illuminated the Deep, Dies at one hundred and one | killexams.com actual Questions and Pass4sure dumps

Walter H. Munk, one of the crucial most excellent oceanographers of the 20th century, who sent pulses of sound in the course of the huge oceans — likely startling a number of whales — to measure changes in water temperatures, forecast waves and are seeking signals of world warming, died on Friday at his seaside home within the La Jolla section of San Diego. He was a hundred and one.

The college of California, San Diego, stated his dying on its web page. His home, named Seiche, is close the institution campus, the status he spent his career on the Scripps institution of Oceanography after joining its faculty in 1947.

“We concept he would are living perpetually,” his wife, Mary Munk, instructed The San Diego Union-Tribune. She observed the intuition for demise became pneumonia.

Dr. Munk, a scientist-explorer who would expound on his discoveries with exuberance, turned into every so often called the “Einstein of the oceans” for his pioneering travail in the dissect of waves, ocean circulation, tides and irregularities within the Earth’s rotation. (He become moreover a geophysicist.)

in a unique Nineteen Sixties examine — which didn't fill to Look far for a territory — he establish out that the waves washing ashore in measured ranks in Southern California had originated hundreds of miles away in storms sweeping throughout the southern Indian Ocean. the invention resulted in greater forecasting of the huge waves coveted with the aid of surfers.

As a younger scientist every through World battle II, he and Harald U. Sverdrup , the director of Scripps on the time, developed a fashion for predicting the measurement of the surf on beaches throughout amphibious landings in order that touchdown craft could tarry away from being swamped.

The system turned into first used within the American landings in North Africa in 1942. It later envisioned, appropriately, that the waves can be exorbitant however manageable during the D-Day landings via the Allies in Normandy on June 6, 1944. The technique, moreover used in amphibious landings within the Pacific, turned into credited with saving the lives of hundreds of soldiers and Marines.

In his analysis on sound within the oceans birth within the Seventies, Dr. Munk and his colleagues transmitted low-frequency sounds, which at a clear depth can commute lots of miles devoid of weakening vastly.

as a result of sound moves faster in heat water than in bloodless, the fashion can measure ameliorations in general temperature over a long distance. Dr. Munk and his colleagues proven its feasibility by using transmitting a pulse of sound from a loudspeaker decreased into the water near Heard Island in the Indian Ocean in 1991. It become detected through listening stations hundreds of miles away.

“And that changed into the exemplar intelligence that I’ve ever heard,” Dr. Munk informed The ny times in 2015. The Heard Island broadcasts grew to become frequent because the “sound heard everywhere.”

Walter Heinrich Munk turned into born on Oct. 19, 1917, in Vienna right into a filthy moneyed banking household of Jewish heritage, a son of Dr. Hans Munk and Rega Brunner. The yoke divorced when Walter was a toddler. His maternal grandfather, Lucian Brunner, became a well-known banker and Austrian politician. His stepfather, Dr. Rudolf Engelsberg, changed into later in brief a member of the Austrian government of Chancellor Engelbert Dollfuss, who become assassinated by means of Nazi agents in 1934.

growing up in Vienna, Walter took close trips to the Austrian geographical region, and his father served once in a while as a chauffeur to Franz Joseph, the Austrian emperor, throughout World combat I. “He had the most effective Rolls-Royce in Vienna,” Dr. Munk mentioned.

At 14 he changed into despatched to spacious apple to attend an upstate boarding faculty with the concept that he would at last travail at a department of a personal ny financial institution connected to his family. On graduating, he grew to be a runner on the financial institution to be trained the enterprise from the bottom up.

however after three years, every the pass through which he took classes at Columbia tuition, he decided that he turned into not chop out for banking and left for California. He turned up at the California Institute of technology and asked to be admitted, youngsters he had no longer filed an software. The dean, no stickler for process, permitted him once he handed the doorway examination.

Walter Munk earned a bachelor’s diploma at Caltech in 1939 (the identical 12 months be grew to be an American citizen), a grasp’s diploma there a year later and his Ph.D. at the university of California, la, for travail done at Scripps.

He volunteered for the military in 1939, however after 18 months in the ranks he changed into excused from defense constrain carrier to execute analysis on anti-submarine warfare for the Navy. His army unit changed into due to this fact sent to unusual Guinea to combat the eastern and become nearly worn out.

Dr. Munk’s first marriage, to Martha Chapin Munk, ended in divorce. His 2nd spouse, Judith, died in 2006 after greater than 50 years of marriage. they had two daughters. He married Mary Coakley in 2011.

apart from his wife, he is survived by means of his daughters Edie and Kendall and three grandsons, U.C. San Diego talked about. yet another daughter, Lucian, who had been born with a heart defect, died at age 7 in 1961.

After the war, Dr. Munk participated in experiences of the atomic assessments within the Pacific. He and a colleague were given 10 days to measure the circulation of water in and out of the Bikini Lagoon before an atomic examine there in 1946, and he witnessed it from a raft 10 miles from floor zero. on account of considerations that an atomic blight might occasions a tsunami, he developed a warning gadget.

within the Fifties, he conducted research in geophysics, founding an institute for reviews in that box at Scripps and explaining with a colleague why the Earth wobbles on its axis and why its spin varies slightly.

Dr. Munk became a member of the national Academy of Sciences. among the many awards he bought had been the country wide Medal of Science, the Crafoord Prize of the Royal Swedish Academy of Sciences and the Kyoto Prize in basic Sciences, which he bought in 1999 for his travail in actual oceanography and geophysics. He became the first scientist in his territory to win the award.

Dr. Munk additionally engaged in analysis on climate change, notably how rising sea stages impress the Earth’s rotation (measured in millionths of a second per year). He praised the 2015 Paris climate accords and called for a worldwide exertion to contend with the difficulty.

all over a question-and-reply session on the college of Delaware in 2016, a reporter asked him what society should execute about climate exchange. Dr. Munk replied, “We should quiet cease melting the ice sheets.”

In another interview, in 2009, he referred to: “i am very concerned that no longer tons is being executed about the heating of the oceans. Two-thirds of the heat that’s been delivered within the remaining 50 years has gone into the ocean, and only 1-third within the atmosphere. If there wasn’t purchasable ocean on this planet for heat storage, the warming of the atmosphere would fill been thrice as massive.”

during his career, Dr. Munk shifted into several areas of analysis because the spirit moved him.

“You’ll remark that I’ve been a dabbler,” he famous in an interview with Scientific American in 1995. He added: “I’m not a lot of a scholar. I don’t want to study. i worship to travail in a territory that has nothing published, where you must determine it out for yourself.”

Self-effacingly, he under no circumstances took to the sobriquet “Einstein of the oceans.”

“Einstein was a pretty Great man,” he once pointed out to The Union-Tribune. “i was on no account on that stage.”


other ways topay downa personal loan | killexams.com actual Questions and Pass4sure dumps

final week in my article “should you repay your personal loan early?”, I discussed probably the most key issues in deciding even if or not to speed up the paydown of your loan. after getting cleared these simple hurdles, the next step is to compare the pastime you are paying on your mortgage with the activity fee you're incomes on a discount rates instrument like a certificate of deposit (CD). I cautioned that in case your mortgage rate is higher, then accept as just with redeploying some of your surplus impress downs and/or latest salary to pay it down. I purposely used the CD for the assessment and omitted the effect of taxes. here’s why.

the utilize of a far better yielding investment instead of a CD

Some could imply that as an alternative of a CD, they could deserve a stronger recrudesce in the event that they invested in stocks. The flaw with this argument is that it doesn’t account for the monstrous possibility within the inventory market. Paying off a personal loan mortgage is a chance-free proposition. You repay your mortgage and moreover you are left along with your domestic. invest in shares, and you've got no unavoidable recrudesce and worse, your predominant may decline considerably.

The applicable evaluation to a mortgage is a safe investment such as a pretty Great bond or a CD. With either of those, you loan out your funds and you are unavoidable (assuming a U.S. Treasury bond or an FDIC unavoidable CD) to bag your fundamental returned with pastime. I used the CD as a evaluation as a result of most individuals are close with this product.

Taxes

owners, specifically those in the bigger earnings tax brackets, could bicker that the tax deduction on interest is a compelling satisfactory occasions to maintain the personal loan. This ignores the different half of the equation, which is the extra taxes paid on the interest earned for your impress downs. In other phrases, the tax discount rates from the loan activity deduction is offset via the additional taxes you pay on the CD profits.

One caveat is that the tax code is tangled so this could be a local to enlist the back of your tax preparer.

In his 2009 analysis quick on this discipline from the Boston faculty middle for Retirement research, creator Anthony Webb concluded that “A family unit that chooses no longer to repay a mortgage is, in impact, opting for to finance the ownership of its financial belongings with borrowed money. If the after-tax recrudesce on the household’s risk-free belongings, equivalent to financial institution certificates of deposit, Treasury bills, and Treasury bonds, exceeds the after-tax hobby can permeate of the mortgage, the family has a chance to develop a risk-free earnings”.

A risk-free income — now that’s a fascinating proposition!

this article is for current information purposes only and isn't meant to deliver selected assistance on particular person fiscal, tax, or criminal concerns. gladden consult the confiscate knowledgeable regarding your specific condition earlier than making any choices.

John Spoto is the founder of Sentry economic Planning in Andover and Danvers. For more guidance, cognomen 978-475-2533 or consult with www.sentryfinancialplanning.com


smart, forty nine, was smitten by instructing, research | killexams.com actual Questions and Pass4sure dumps

  • Steven “Steve” intelligent, forty nine, a library scientist and assistant professor in Mexican-American reports at Their woman of the Lake university, died Jan. 28 of pneumonia.

    Steven “Steve” sensible, 49, a library scientist and assistant professor in Mexican-American reviews at Their girl of the Lake institution, died Jan. 28 of pneumonia.

    image: Courtesy image
  • image 1 of 1

    Steven “Steve” smart, forty nine, a library scientist and assistant professor in Mexican-American experiences at Their lady of the Lake university, died Jan. 28 of pneumonia.

    Steven “Steve” intelligent, forty nine, a library scientist and assistant professor in Mexican-American experiences at Their woman of the Lake college, died Jan. 28 of pneumonia.

    photo: Courtesy image

    clever, forty nine, become enthusiastic about educating, research

    1  /  1

    lower back to Gallery

    When Steven “Steve” clever, a research librarian with the nostril of a bloodhound, went looking for anything, he usually discovered it.

    more than two a long time ago, he untangled the mysteries surrounding his extremely good-brilliant-grandfather George intelligent, who gave the Mexican-American clan its Anglo name.

    based on family unit lore, the border lawman had arrive to a violent end, however slight else became typical.

    “We didn’t hold out a Great deal hope, on the grounds that he was killed in 1891. They weren’t bound there were any facts,” recalled Steve’s older brother Eric shrewd.

    After years of painstaking analysis, Steve smart bought to the backside of issues, bringing formal focus to his ancestor while moreover vastly increasing the sapient family unit tree.

    intelligent, forty nine, a library scientist and assistant professor in Mexican-American reports at Their lady of the Lake school, died Jan. 28 of pneumonia.

    Born in Laredo, he got here to San Antonio as an newborn. After graduating from Holmes exorbitant school, he earned a bachelors and a masters diploma in political science at St. Mary’s school. clever later delivered a masters diploma in library science from the college of Texas at Austin.

    He joined Their lady of the Lake in 2001. clever moreover from time to time taught classes in Mexican-American studies and on the time of his dying became the university’s faculty meeting president.

    “all of us appeared as much as him, and leaned on him for institutional expertise. He shape of had a wisdom about him,” famous Maria Cabaniss, 32, the interim library dean.

    His older brother recalled intelligent’s worship of academic detective work.

    “analysis turned into his passion. He had instilled in his students that not every thing can be establish on the internet. once in a while you exigency to depart historic school because you in no pass be cognizant of where it is going to lead you,” Eric smart said.

    It was simple spadework in libraries, public data and newspaper archives from Laredo to Washington D.C. that led Steve astute to find the complete legend of George shrewd, ultimately hitting paydirt within the microfiche archives of the Laredo daily times.

    a piece of writing published on Oct. 31, 1891, demeanor the headline “Brutally Murdered,” informed how Deputy U.S. Marshal sapient and his associate Calixto Garcia had been stabbed to demise after confronting a universal mescal smuggler carrying a load of hooch through the metropolis. The alleged killer, Francisco Flores, escaped to Mexico.

    “Flores is among the most determined devils on the border and his extermination can be a blessing to the nation,” the newspaper article opined.

    along the style, Steve clever realized that his ancestor had been a Laredo city police officer and a Webb County deputy — and that he had fathered babies with three diverse women.

    After a newspaper article about his findings became published in Laredo in 1999, in the past unknown sensible family began surfacing.

    “word started spreading and unusual family members begun calling us us from the (Rio Grande) Valley, Corpus Christi and other constituents of South Texas. The household got bigger just short,” recalled Eric shrewd.

    The analysis additionally resulted in George astute being inducted into the Roll call of deference of the U.S. Marshal’s service. George intelligent’s cognomen became additionally brought to both Texas and country wide law enforcement memorials.

    Interviewed years ago about his household mission, Steve astute defined how he applied it to teaching.

    “I used that legend on George sapient to betray tips to utilize research knowledge to uncover the previous and unravel mysteries,” he spoke of a 2012 interview. “at the equal time, you are likely to bag a hold of (new) mysteries. The research takes you in every these different instructions.”

    His older brother stated that Steve smart had establish his status in the world at Their girl of the Lake.

    “He cherished this college. He establish his home here. He changed into neatly-preferred through each college students and friends. And he loved imparting capabilities to college students. He would sit down down and discuss with them at length,” Eric sapient referred to.

    John MacCormack is a personnel writer in the San Antonio and Bexar County area. examine him on their free web page, mySA.com, and on their subscriber site, ExpressNews.com. | JMacCormack@express-information.internet | Twitter: @JohnMacCormack

    Born: Jan. 7, 1970 in Laredo.

    Died: Jan. 28, 2019 in San Antonio

    Preceded via: His mom, Maria clever, grandparents Ricardo and Juanita smart and Everardo and Luz Ramirez.

    Survived through: His father, Lucio smart; brothers Kenneth and Eric sensible; a nephew, Erick clever, and niece, Amber wise.

    features: functions fill been held on Jan. 31.


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    How to Invest in a bear Market | killexams.com actual questions and Pass4sure dumps

    It's been proved time and again that long-term investing, through Great times and bad, outperforms other investment approaches. But staying focused on the long haul is tough when the market is going nowhere but down. A bear market can bring portfolio losses that buy a toll on even the most ardent buy-and-hold investor, so it's essential to prepare proactively for the market's inevitable swoons. Here's how.

    Investing terms like "bear market" are often thrown around casually -- and incorrectly. For that reason, it's essential to know exactly what constitutes a bear market and how it differs from a correction.

    IMAGE SOURCE: GETTY IMAGES.

    Falling stock prices alone execute not develop for a bear market, which is defined as a stock-market decline of 20% or more from a prior peak that lasts two months or longer. The term is most relevant when describing a drop in prices for indexes made up of many stocks, such as the S&P 500 (NYSEMKT: SPY)(NYSEMKT: VOO), but it can moreover advert to an individual sector, industry, or stock if its decline is abrupt enough and lasts long enough. 

    If stocks are down, but not that much, it's probably a correction. A correction is a market decline that's less ascetic and shorter in duration than a bear market. Typically, corrections are defined as a 10% or greater decline from a prior peak price, and they last less than two months.

    (And if you're curious, the "bear market" got its cognomen because the downward, painful, and vicious decline is reminiscent of the swipe made by an attacking bear.)

    To find out what might trigger the next bear market, they can Look at the causes behind past ones. The excellent 2013 Motley Fool article "Bear Markets in Modern Times" provides a quick backstory on the biggest drops in the Dow Jones Industrial middling (NYSEMKT: DIA) since the late 1960s . A price-weighted index of 30 of the most essential publicly traded U.S. companies, the Dow Jones Industrial middling has become one of the most-watched stock-market barometers since its creation in 1896. While the exact same catalysts causing the biggest drops in the Dow Jones over the past 50 years aren't likely to reoccur, they can gain some wisdom from examining how they came about.

    Author's table.

    First let's Look at 1973-74, when the Dow Jones Industrial middling declined by 45%. The reasons behind this were many: unrest in the Middle East, a quadrupling of oil prices caused by the OPEC oil embargo, President Nixon's resignation in the wake of the Watergate scandal, and mind-numbingly spacious increases (12%-plus) in the charge of goods and services, or inflation. Unlike the sudden 36% "Black Monday" crash of October 1987, the early '70s bear market was a slow-moving "mudslide," according to legendary investor Ralph Wanger of the Acorn Fund.

    Double-digit inflation rates that continued into the late '70s and early '80s -- and the efforts to clear the financial logjam left behind -- were largely behind the bear markets of those years. The weight of inflation on U.S. economic activity, or rough domestic product (GDP), eventually prompted then-Federal Reserve Chairman Paul Volcker to roughly double interest rates in 1980. This dis-inflationary policy, which was meant to (and did) restrict credit to demolish inflation's back, caused towering unemployment and economic recession -- a faultless recipe for a bear-market tumble.

    Then there was the Great Recession: Between 2007 and 2009, the Dow had its worst showing since the Great Depression of the 1930s. (The index closed out 1929 at 300 and kept dropping, ending 1932 at about 60.) Lenders that had relaxed their standards and failed to secure adequate capital to back up their loans establish themselves scrambling in 2007, when borrowers defaulted en masse on their mortgages. Banks were unable to digest the mountains of heinous debt that ensued, resulting in a surge in bank failures, a shutdown in lending, and the ensuing bear market that impaled stock prices.

    As these examples illustrate, bear markets are often caused by declining economic activity stemming from monetary policies. They're particularly likely after an extend in interest rates (generally apportion in status to tamp down lending and borrowing), so investors ought to pay particular attention when the Federal Reserve is increasing the target of its Federal Funds rate, or the overnight rate banks permeate each other to borrow excess reserves.

    Are bear markets unavoidable?

    Long-term investing has paid off in the past because stocks fill gone on to reach unusual highs after every bear market. The middling bull market -- a soar in stock prices of 20% or more from their prior low -- lasts far longer than the middling bear market, and as a result, investors who tarry the course fill historically been the biggest winners.

    The S&P 500 has suffered 36 declines of 10% or more since 1950, according to Yardeni Research. The middling bear market has lasted 1.4 years and lopped an middling of 41% off the index, according to First Bank. Those are staggering statistics, but they become less scary when you realize that the middling bull market has lasted 9.1 years and generated an middling cumulative recrudesce of 473%. 

    Because the Great times far outweigh the bad, the evidence suggests that it's folly to try to time the market. Instead, it's best to own stocks through thick and thin. That said, there are quiet things you can execute to back you invest better during a bear market.

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    Balancing your portfolio for a bear market

    To ensure you can weather a bear market, investment allocation is key. That means successful investors will want to buy time during bull markets to develop sure they've got the right equilibrium of stocks, bonds, and cash.

    One pass to gauge whether you're too tilted toward one investment: Subtract your age from 110 years, then invest the resulting pattern as a percentage in stocks and the remnant in less risky assets. Why 110? Because that's arguably the longest you're likely to live. For example, a 30-year-old would invest 80% of his or her money in stocks and the rest in bonds, while an 80-year-old would invest 20% of his or her money in stocks and the rest in bonds. If you want a larger proportion of your money in stocks, then consider using 120 years for this calculation instead. 

    This calculation is an smooth pass to back develop sure you're not taking on exorbitant risk, but it's by no means the only consideration when it comes to allocation. It's moreover essential to consider how easily you could survive a financial blow, such as job loss, without having to sell stocks to cover the shortfall. Everyone's budget is different, but the "golden rule" touted by most money pros is that everyone should fill between three and six months' worth of cash kicking around to bag through any unforeseen setbacks. If you don't fill that benign of financial backstop, develop sure you comprise such a cash cushion when rebalancing your assets.

    Should I buy on margin during a bear market?

    It's just that borrowing money from your brokerage in a margin account allows you to buy more stock, which means you could potentially turn a bigger profit during a bull market. But losses endured in a margin account during a bear market can wipe you out. That's because the stocks you own in your portfolio are the collateral for the money you borrow on margin. If the value of those stocks falls below specific levels, then your brokerage can constrain you to sell your stocks or add more cash to your account to bring you back into compliance.

    For example, if you fill a $50,000 account and you borrow an additional $50,000 on margin, you'd fill $100,000 invested in stocks. If those stocks descend 10%, that's a decline of $10,000 -- but that's a 20% loss on your initial $50,000 investment. You quiet owe your brokerage firm the $50,000 you borrowed, and you may fill to sell stocks in your account or deposit more cash to fullfil that obligation. If your stocks descend far enough, you could lose your entire investment, plus any additional cash you contribute to the account. Therefore, using margin is incredibly perilous during bear markets.

    Should I sell short during a bear market?

    Bear markets moreover bring a temptation to sell stocks short. When you sell short, you borrow shares from others and sell them; your hope is to buy them back cheaper later on, recrudesce them to the lender,  and pocket the incompatibility between the amount you sold them for and the amount you paid to buy them back. This may seem like a Great concept during a bear market, but it's fraught with risk. bear markets can last months or years, and there's no ringing bell to signal when stocks fill officially hit their low. And because there's no cap on how towering a stock can climb and no guarantee that any stock will fall, the risk to short-sellers is unlimited. Eventually, the shares you borrowed for shorting will fill to be returned, and if the market is up significantly in the meantime, you could lose a lot of money.

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    What are the advantages of a bear market?

    There is an upside to bear markets: Many Great companies wind up falling to bargain-basement prices, providing investors with the opening to add top stocks to their portfolios while they're on sale.

    Dollar-cost averaging is my favorite pass to buy handicap of discount prices during a bear market. As a refresher, dollar-cost averaging means investing a fixed amount of money at a specific interval (say, every month). In practice, perhaps the most common specimen of dollar-cost averaging is when employees contribute a fixed portion of their checks every pay term to a workplace retirement plan. 

    The beauty of dollar-cost averaging is that it doesn't require you to time your investments perfectly. Most of us fill heard the maxim "don't entrap a falling knife"; it exists because investors are generally abominable at figuring out exactly when a stock has stopped plummeting.

    Because stocks can descend further than you imagine, it's sapient to spread out your risk by staggering the timing of your buys. And because investing a fixed sum at lower prices allows you to buy more shares and thus lower your middling cost, dollar-cost averaging may be the best pass to build a portfolio that can profit when the next bull market begins.

    How can I prepare for a bull market?

    When a bull market gets long in the tooth or a bear market appears on the horizon, it's an excellent time to buy stock of the reasons you've chosen to invest in the companies in your portfolio. If you've been keeping an investing diary, you'll fill an objective, visual record of your decision-making. But even if not, you'll probably quiet recollect the basic reasoning behind each of your stock purchases.

    You'll want to develop sure the factors that drove you to buy each stock in the first status remain intact. In doing this, it can be very helpful to buy a tour of each company's investor relations website. For most businesses, this page is a portal to valuable information, including the company's latest annual report (10-K) and quarterly reports (10-Qs). Many companies moreover provide further resources, including PowerPoint presentations outlining recent performance and future plans, press releases detailing advances and stumbles, and transcripts of investor presentations, every of which can be useful as you determine whether the investment quiet makes sense to own.

    There's a risk to this review process, though. If you extrapolate too much into a company's falling stock charge or current results during a bear market, you might launch to imagine cracks in the armor of long-term stories that in fact remain intact. For example, selling shares of Priceline during the Great Recession -- say, because of fears over declining demand for airline travel and hotels -- would fill kept you from enjoying its subsequent rally, from less than $200 in 2009 to more than $1,700 as of this writing. Similarly, selling Netflix when it changed gears from a CD-by-mail provider of entertainment to a streaming service would fill been a spacious mistake -- Netflix has been one of the best-performing stocks of the past decade. To reduce the risk of selling a long-term winner too soon, hold your analysis at a towering smooth by asking: Is my overarching thesis quiet true? If so, then stick it out until it isn't. 

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    Proper planning prevents impoverished performance

    When I was growing up, my dad would say, "Proper planning prevents impoverished performance." He recited that mantra to me a lot, and I cerebrate it applies nicely to the question of how best to invest in stocks during a bear market. Humans are hard-wired to react emotionally to danger -- and that means we're not at their best when making choices during gut-wrenching, teeth-gnashing, claw-bearing markets. Before a bear market hits, they as investors can review their holdings to ensure they quiet want to own each one. They can plot which stocks to buy if and when they depart on sale, and they can re-familiarize ourselves with margin and short-selling to recollect why they are generally suboptimal during bear markets. And they can arm ourselves with the historical context behind previous bear markets, which will back us understand how and why they occur and when they might end.

    All of this is far preferable to the risk of making panicked, impoverished decisions in the physiognomy of an account's falling value. In that sense, planning ahead is the best strategy for successfully investing in a bear market.

    More From The Motley Fool

    Todd Campbell owns shares of Netflix. His clients may fill positions in the companies mentioned. The Motley Fool owns shares of and recommends Booking Holdings and Netflix. The Motley Fool owns shares of Johnson & Johnson. The Motley Fool has a disclosure policy.


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    One-to-One Laptop Initiatives Boost Student Scores, Researchers Find | killexams.com actual questions and Pass4sure dumps

    Chromebooks-Montgomery-County-classroom-blog.jpgBy Leo Doran and Benjamin Herold

    Efforts by K-12 schools to give every student a laptop computer increased student achievement and gave a modest boost to their "21st century skills," according to a first-of-its-kind meta-analysis of 15 years' worth of research studies.

    "It's not like just providing a laptop to every student will automatically extend student achievement, but they find that it's the first step," said Binbin Zheng, an assistant professor of counseling, educational psychology, and special education at Michigan situation University.

    Using statistical techniques to dissect already-completed studies, Zheng and her colleagues establish that 1-to-1 laptop programs on middling had a statistically significant positive impact on student test scores in English/language arts, writing, math and science. The limited number of rigorous quantitative studies available to dissect add up to that those findings are not definitive, but they are clearly a Great mark for 1-to-1 proponents and underscore the exigency for more study, Zheng said.

    A further review of 86 additional papers by the researchers, meanwhile, establish some modest evidence of other positive benefits associated with giving laptops to students, including increased student technology use; more student-centered and project-based instruction; greater student engagement; and better relationships between students and teachers.

    The analysis focused solely on 1-to-1 laptop efforts. The researchers cautioned that their results are not generalizable to other devices such as tablets, desktop computers, and smartphones.  

    The unusual findings race counter to the skepticism about educational technology expressed by many researchers and practitioners. A raft of prior studies, for example, fill shown that even when technology is present in classrooms, teachers are leisurely to transform their practice, instead using technology primarily to develop administrative tasks and existing forms of instruction more efficient.

    The unusual analysis has the potential to reshape the debate about ed-tech's impact, said Elliot Soloway, a computer science professor at Michigan University who has spent decades studying classroom technology.

    "This is one of those definitive studies that comes along every 20 years," Soloway said. "Schools are going to utilize [the findings] to warrant the scoot to 1-to-1."

    Rapid Growth of 1-to-1 Student Computing

    One-to-one student computing was first introduced to K-12 schools in the United States in the late 1990's. In 2002, Maine became the first situation to launch a statewide program.

    The trend has since gathered steam: In 2013 and 2014 alone, schools purchased more than 23 million laptops, tablets, and Chromebooks for utilize by students and teachers in the classroom (and sometimes at home.)

    Generally, the goal is to enable teachers and software to deliver more personalized content to students, to boost students' technology skills, and to empower children to execute more tangled and creative work.

    A handful of high-profile 1-to-1 disasters resulting from impoverished purchasing plans, heinous planning, and a lack of clear academic vision fill raised questions for schools about the wisdom of the approach, however.

    And some research has been less than encouraging. A 2009 survey by the National seat for Education Statistics, for example, establish that classroom technology was used for drill of basic skills far more often than for design and creation. A recent study by the Organization for Economic Cooperation and evolution establish that countries where 15-year obsolete students utilize computers most in the classroom scored the worst on international math and reading tests.

    In an attempt to definitively determine the impact of K-12 1-to-1 initiatives, Zheng and her colleagues reviewed 96 journal articles and doctoral dissertations published between January 2001 and May 2015.

    Just 10 of those studies met the researchers' criteria for inclusion in the statistical meta-analysis of 1-to-1 laptop initiatives' impact on student achievement, reflecting the still-very-limited research foundation on student computing initiatives.

    "A disproportionate amount of the research to date on this topic consists of diminutive case studies in one or a handful of schools," Zheng and her colleagues wrote in their study, titled "Learning in One-to-One Laptop Environments: A Meta-Analysis and Research Synthesis," published online earlier this year in the academic journal Review of Educational Research. 

    Still, there were enough historical findings to conclude that 1-to-1 laptop programs helped improve students' academic achievement by an overall effect size of .16 touchstone deviations—a pattern that Zheng said indicates statistical significance, but is noticeably less than the effect sizes of other established interventions, such as diminutive class sizes or individual tutoring.   

    The researchers establish the following effect sizes for specific subjects:

  • English/language arts, by .15 touchstone deviations
  • Writing, by .20 touchstone deviations
  • Math, by .17 touchstone deviations
  • Science, by .25 touchstone deviations.
  • Reading, by .12 touchstone deviations
  • The impact on students' reading achievement was positive, but not statistically significant. Only two studies included science results that could be analyzed.

    The results are "small but noteworthy," Zheng said.

    Measuring impact Beyond Test Scores

    The researchers moreover looked beyond test scores, reviewing 85 additional studies that did comprise an empirical examination of 1-to-1 laptop initiatives' impact in K-12 schools, but did not comprise an experimental design and/or quantitative results.

    Among the findings from that review: 

  • A 1-to-1 laptop environment often led to increased frequency and breadth of student technology use, typically for writing, Internet research, note-taking, completing assignments, and reading.
  • Students used laptops extensively throughout the writing process, expanding the genres and formats of their travail to comprise writing for email, chats, blogs, wikis, and the like.
  • Student-centered, individualized, and project-based learning appeared to extend in at least some instances of 1-to-1 laptop rollouts.
  • Student-teacher communications (via email and Google docs, for example) and parental involvement in their children's school travail increased in some instances.
  • Students expressed "very positive" attitudes about using laptops in the classroom, as findings consistently showed higher student engagement, motivation, and persistence when laptops were deployed to every students.
  • Students' technology and problem-solving skills improved and their ownership of their own learning increased, according to some evidence.
  • There were mixed findings on whether 1-to-1 laptop programs helped overcome inequities among students and schools.
  • Those results should be interpreted with caution, the researchers said, because they tended to reckon on observation, survey, and interview data.

    "There was a wide consensus in the studies they reviewed that utilize of laptops promotes 21st-century learning skills," the authors wrote. "However, studies rarely attempted to operationalize and systematically measure the growth of 21st-century skills in laptop students compared with control students."

    Leslie Wilson, the CEO of the One-to-One Institute, a nonprofit that consults with schools and districts, said she was "thrilled" to remark the unusual research, though she cautioned that educational leaders shouldn't leap to conclude that going 1-to-1 is enough on its own to extend student achievement.

    For such a program to be effective, she said, schools must focus on crafting comprehensive plans that cover everything from infrastructure to curriculum to pedagogy to professional development.

    And the actual benefits of giving every student an access to a computer, contended Soloway of the University of Michigan, arrive when school scoot from "instructive" to "constructive" learning, or from "teaching kids to recollect something to teaching them how to pattern something out."

    To best measure the extent to which that change is taking place, Zheng said, researchers and educators will fill to Look beyond standardized test scores.

    Hopefully, she said, the unusual research will prompt further exertion to develop assessments for students' digital literacy skills, as well as their creativity, independence, and leadership.

    "Many of the benefits of 1-to-1 laptop programs are not detected by standardized tests," Zheng said. "For the many programs whose purpose is to back students be a better 21st-century citizen, they exigency to develop and utilize corresponding measurements."

    Students at Ridgeview Middle School in Gaithersburg, Md. utilize laptops in class in 2014. --T.J. Kirkpatrick for Education Week

    See also:

    Follow @BenjaminBHerold for the latest intelligence on ed-tech policies, practices, and trends. 



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