How To Maslow Before Bloom, All Day Long

Morning meetings are a good place to start, but what you really need is a toolkit of strategies to meet your students’ social and emotional needs all day long.

“Maslow before Bloom”—we hear it all the time. The idea that educators should meet students’ basic needs for safety and belonging before turning to challenging academic tasks is one that guides the work of many schools.

In this era of high-stakes testing and inflexible curricula, that’s not as easy to do as it sounds. The need to do 45 minutes of preplanned reading instruction, followed in lockstep by 45 minutes of math, leads many teachers, especially newer ones, to conclude that they simply don’t have the time to plan for brain breaks, or to check in with students regularly to make sure they’re feeling OK.

Research indicates that’s a mistake, though. Child psychiatrist Pamela Cantor told Edutopia in 2019 that “when we’re able to combine social, emotional, affective, and cognitive development together, we are creating many, many more interconnections in the developing brain that enable children to accelerate learning and development.” Making time to integrate social and emotional learning into academics, in other words, is a better way for schools to achieve their goals than a focus on academics alone.

This year, that will take some extra preparation and thinking. Prioritizing personal connections and students’ ability to manage their emotions was hard enough in physical classrooms, but it will be harder during distance and hybrid learning. Most of the strategies here—a toolkit drawn from high-quality research and from the experience of successful teachers—can be integrated into both physical and virtual classrooms throughout the day.

Welcoming Students

It starts before students enter the room: Taking a few minutes to personally greet every student at the beginning of the day, or the beginning of each class in middle and high school, can bolster students’ feeling that they belong to a community of learners. A 2018 study showed that positive greetings at the door increased academic engagement by 20 percentage points, and decreased disruptive behavior by 9 percentage points—adding as much as “an additional hour of engagement over the course of a five-hour instructional day,” the researchers said.

When students are working at home, there’s no door to stand in, of course, but you can create a short daily video to say hello, or use a tool like Zoom—which has a virtual waiting room feature—to queue kids up and then welcome them to class one by one. Alternately, you can adapt the 5×5 strategy—in which a teacher spends 25 minutes talking to five students for five minutes each—using the phone or video meetings via Zoom or Google Meet.

Once students are in your classroom, taking a few more minutes for non-academic chat involving all students can build a vibrant community, while giving you a window into whether each student is emotionally prepared for academic work. Students might discuss things like a question of the day—What’s your favorite pizza? or If you could have a superpower, what would you pick?—before describing how they feel by naming their personal roses and thorns, or by dropping a simple thumbs up, sideways thumb, or thumbs down into your chat feature.

Your Social and Emotional Toolkit—Use It All Day

Getting off to a good start primes students for learning, but the need to regulate emotions, find inner calm, and be socially connected will crop up throughout the day—just as it does for adults. Your toolkit of social and emotional strategies enables you to check in with students and help them self-regulate, recharge, and reconnect throughout the day.

If anyone tries to tell you that giving students a short break is wasting time, you can share the research supporting breaks: Students lose focus over periods of direct instruction—for elementary students this starts after about 10 minutes—so shorter lessons with brain breaks in between boost a student’s ability to stay on task and allow for better consolidation of recently learned material.

To shake students out of a rut, longtime Edutopia contributor Lori Desautels uses brain breaks that get them out of their seats, like giving them each two small Dixie cups and some water, and having them pour it back and forth from cup to cup a few times—then having them close their eyes and keep going for 30 seconds to see who has the most water left at the end. There’s, um, some cleanup required.

If kids have been focused for a long time, try a more involved, more intensely kinetic break that works at home or in the classroom: A H.Y.P.E the Breaks video from Hip-Hop Public Health can help students learn a little dance choreography and get in lots of movement. You can take advantage of the power of dual encoding by sneaking some content into your dance routine—Code.org has a dance party coding tutorial that links dance steps to coding algorithms, for example. Alternately, you can just give kids time to sit, relax, and chat happily with their friends.

Part of building your social-emotional and well-being toolkit is having a tool for all occasions. When kids are feeling antsy, Desautels recommends using focused attention practices to help them regain their calm. Try different ways of focusing on breathing, such as inhaling for four beats, holding for four, and then exhaling for four, or visualizing colors as students inhale and exhale—if a student is upset, for example, they might exhale red.

There is some lingering controversy around mindfulness, but the research is increasingly clear: According to Dr. Nadine Burke Harris, California’s surgeon general, mindfulness helps to regulate the parts of the brain associated with the stress response, and is “associated with reduced levels of cortisol and other stress hormones” while positively influencing “the physiological indicators of an active stress response, like blood pressure and heart rate.” Burke Harris uses mindfulness with kids as young as 3 years old.

At Codman Academy in Boston, second grade teacher Lindsey Minder leads her students in a guided mindfulness activity after lunch: “The impact of the mindfulness practice is really this general sense of them being more comfortable and confident with themselves and their varying needs,” Minder says, “and decreases in anxiety around academic work.”

In high school, teacher Aukeem Ballard incorporates a mindfulness activity in his classes once a week for four to seven minutes—a guided focus on breathing followed by a brief reflection with a partner. You can instead opt for a shorter activity used more frequently: Middle school administrator Michael Ray recommends that students regularly relax by kneading play dough or oobleck, both of which can be made cheaply at home.

Periodically, your toolkit will get a real test when a student becomes frustrated and lashes out. Resist the temptation to jump to a punishment, if possible. Instead, try to seek out the underlying causes and teach the child how to return to calmness. Sometimes, just asking a student if they want to step out and get some water may be enough to de-escalate. A more proactive strategy is to set up a peace corner in the classroom—a non-judgmental, dedicated spot in the room where students can go to spend a few minutes either calming themselves down or naming and describing their feelings on a prepared form.

Never Give Up on Recess

It feels like recess is constantly under siege from the pressures of overscheduling, but play is a powerful, natural opportunity to de-stress, connect socially, and give the brain vital time to process and consolidate learned information.

The pediatric occupational therapist Angela Hanscom says that recess should be scheduled for 45 minutes to an hour every day, rather than the more common 20 minutes. That’s not always possible, of course, but it does reinforce the importance of giving kids free rein to play. And the American Academy of Pediatrics reminds us that unstructured play is essential to kids’ well-being.

School systems tend to give up on recess by high school, but the way our brains process information—and the need for deep social connections—doesn’t change. While brain breaks and movement breaks may look different at different age levels, they’re still needed. That’s why Montpelier High School in Vermont initiated MHS Unplugged—as in, unplugging from the curriculum, and from screens. In this 15-minute break, kids can practice an instrument, play outside, do a little art, play cards. It’s a brief chance for them to have some say about what they do.

You may face pressure to focus on academics, but putting Maslow before Bloom isn’t antithetical to learning—research demonstrates that it’s a way to support better learning. Build a toolkit and use it judiciously throughout the day, in accordance with your read of your students. Using Maslow regularly will help them to Bloom.

Source: How to Maslow Before Bloom, All Day Long | Edutopia

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Strong Dollar 10 Reasons Why It Matters To You

All things to all people, the U.S. dollar leaves its imprint in every corner of the global economy: It is the currency in which vital raw materials are bought and sold, and it is the safe haven to which investors turn in times of trouble. The greenback is now at a 20-year high against other world currencies.

Here are 10 reasons why you should be paying attention:

AMERICAN ABROAD – A strong dollar is great if you are a U.S. tourist. Hotels, meals or a designer bag all are cheaper by comparison, whether in London, the French Riviera or Cancun. It goes without saying that the reverse is true for the traveller going to the United States – unless they bought their Disneyland tickets or Las Vegas junket a good while ago, it is going to cost more.

THE JOYS OF PARITY – This is a welcome added boon for Americans travelling to one of the 19 countries that use the euro and a small consolation for European tourists in the United States. No more mental arithmetic is required to convert between dollars and euros – you can call it pretty much one for one now.

MADE IN AMERICA – For shoppers around the world in search of top U.S. brands, the strong dollar means they could end up paying a premium for them unless local distributors try to cushion the currency impact. Just in the past days, U.S. companies such as Mattel Inc – maker of the Barbie doll and Hot Wheels cars – said it was seeing a hit from the dollar’s move upwards, even if consumers as a whole looked ready to take on higher prices.

For consumer goods giant Procter & Gamble – maker of everyday products such as Pampers or Ariel – the dollar’s rise has always tended to have a similar impact on its sales. read more

EMERGING TROUBLE – For Argentines, the rise of the dollar against the peso has meant a doubling of local prices in just one year and a spiralling economic crisis. Governments and businesses in a lot of emerging economies finance themselves by issuing bonds in U.S. dollars. The amount they owe has now surged in value when measured in their local currency. Tapping the market for more credit has also become more expensive because U.S. rates have risen.

RAW MATERIALS – Countries like Turkey and Egypt that import a lot of their raw materials have been hit by a double whammy. Most commodities from oil to wheat are priced in U.S. dollars, meaning they are paying more in their local currency for every barrel or bushel they buy. This comes as the price of many of those materials is already at a multi-year high due to the war in Ukraine, extreme weather and the aftershock of the COVID pandemic.

HOME SUPPORT – A strong dollar is good news for people in poorer countries such as Mexico and Guatemala who depend on money sent by relatives who work in the United States. The COVID-19 fallout dealt a sharp blow to these remittances in 2020 but they’ve seen a steady recovery since.

INFLATION – Even for richer countries such as Germany a strong dollar can spell trouble because it helps fuel already record-high inflation through more expensive imports. Local central banks have generally responded by raising interest rates, which makes credit dearer and slows economic growth.

ROUBLE RALLY – The Russian rouble is the only currency in the world that is comfortably in the black against the dollar this year – an unexpected outcome for a country under international sanctions over its invasion of Ukraine. But this strength – a somewhat artificial result of controls on foreign exchange – does little for the ordinary Russian. Moscow may be raking in tens of billions of dollars every month from its energy sales to the West, but Russian households still can’t withdraw their foreign-currency savings. And Many Western brands from Adidas to H&M and Ikea have stopped selling in Russia since the war started.

BITCOIN – Marketed as the ultimate shield against inflation, the world’s largest crypto currency hasn’t lived up to its promise and is down by more than half this year despite runaway consumer prices in large parts of the world. Legions of individual investors drawn to crypto during last year’s bull market have now ditched the digital tokens to park their savings in a U.S. currency they perceive as safer – and which is now starting to pay interest again.

BEEF UP – If the price of a hamburger is anything to go by, the dollar might actually be too strong and bound to fall back. The Economist’s Big Mac Index, which compares the price of the ubiquitous burger around the world, shows that the greenback is overvalued against all but a handful of currencies. The dollar is most expensive – and a Big Mac cheapest for a U.S. traveller – in Venezuela, Romania and Indonesia. The opposite is true in Switzerland, Norway and Uruguay.

By: by Alison Williams

Source: http://Reuters.com

Related contents:

Family Dollar Recalls More Than 400 Brand-Name Products Due to Improper Storage NBC Connecticut

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Here’s Why Ethereum (ETH) Price Can Plunge More Ahead

Ethereum, the world’s second largest cryptocurrency has been trading under major selling pressure. ETH prices have dropped by 40% over the past 30 days. However, expert suggests that this drop may continue further.

July/August can be worst months

Daniel Cheung, Co founder of Pangea Fund Management in a Twitter thread mentioned a massive short opportunity for Ethereum at $1,200 in the next 2 months. He suggests that the market hasn’t yet seen the capitulation yet. It added that July and August are lined up to be the worst months ahead.The fund manager highlighted that currently, the market is in the Macro trade regime. The Bitcoin and Ethereum trends suggest that the crypto market has been trading very sensitively to inflation.

The recent selling pressure has led the Global crypto market cap to plunge by another 5% over the past day. It now stands at $902 billion. The digital asset market recorded its all time high (ATH) of $3 trillion in November 2021.

Ethereum price can drop by 40%

The world’s second largest crypto is still likely to be levered and liquid bet on Nasdaq and that too for the next 2 months. He believes that Nasdaq still has a lot of room to fail ahead. It is still down by 30% from the recent ATH with a prior drawdown. Cheung added that a further 20% downside is still in the frame for QQQ and 40% for Ethereum.

ETH prices are down by more than 9% in the last 24 hours. It’s trading at an average price of $1,111, at the press time. Its 24 hours trading volume is up by 7% to stand at $14.6 billion. However, it is still down by 77% from its all time high.

By Ashish Kumar

Critics by Lapin

Ethereum price analysis is bearish today as we have seen more downside reached over the last 24 hours with a steady downside momentum. Therefore, we expect ETH/USD to drop even lower and look to retrace even lower. The next obvious target is the $1,050 support, which, if broken, would lead to a lot more downside in July.  The market has traded in the red over the last 24 hours. The leader, Bitcoin, lost 4.81 percent, while Ethereum a more substantial 9.17 percent. The rest of the top altcoins have followed close by, with some declining even further.

Ethereum price movement in the last 24 hours: Ethereum breaks past $1,175

ETH/USD traded in a range of $1,111.20 to $1,229.74, indicating substantial volatility over the last 24 hours. Trading volume has increased by 5.36 percent, totaling $14.58 billion, while the total market cap trades around $135.5 billion, resulting in market dominance of 15.13 percent.

ETH/USD 4-hour chart: ETH targets $1,050 next?

On the 4-hour chart, we can see the Ethereum price still testing further lows with no signs of reversal just yet. Therefore, more downside should follow to the $1,050 previous local swing low. Ethereum price action has seen strong bullish signals over the second half of June. After the initial reaction from the last swing low at $1,050, ETH/USD retraced to $1,175, setting a strong lower high. However, further downside did not follow as the $1,050 offered strong support.

From the newly found local higher low, ETH rallied higher one more time last week. A new high was set at $1,275, indicating that the several-week bearish momentum could soon end. On Monday, bearish momentum took over as buyers became exhausted. After some , ETH/USD set a lower local high and broke past the $1,775 local support. Late yesterday the decline continued, pushing the Ethereum price as low as the $1,100 mark.

This means that bullish momentum could soon come back. However, as long as bearish candles are seen later today, we expect further downside at the $1,050 previous low to be reached soon. From there, much depends on how the market will react. If a break below this support follows, we could see a lot more downside and both lower lows and highs set in July. Alternatively, if the $1,050 mark holds, ETH could move into consolidation.

Ethereum price analysis: Conclusion 

Ethereum price analysis is bearish today as we have seen a lot more retrace from the previous swing high at $1,275 so far this week. Since no signs of reversal have followed today, we expect ETH/USD to move even further and target the previous local low. In case it is broken, ETH should see a lot more downside early in July.

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Women are Far Less Financially Prepared For Retirement Than Men

Many women aren’t financially prepared for retirement, according to a recent report from TransAmerica. Men have about twice as much money saved for retirement ($118,000) than women do ($57,000). Of concern, nearly a quarter (24%) of women currently have less than $10,000 saved for retirement, compared to just 14% of men.

Seventy-nine percent of men are confident in their ability to fully retire with a comfortable lifestyle, compared to just 64% of women. Both men and women think that they’ll need to have saved $500,000 in order to retire comfortably. A third (33%) of women do not have any retirement strategy at all, which is significantly more than the 18% of men. Women are also far less likely than men to be currently saving for retirement, at 77% and 86%, respectively.

Financial preparedness for retirement, women vs. men

Despite the fact that the vast majority of both men and women worry that Social Security will run out before they retire, 27% of women and 17% of men expect to rely on Social Security payments as their primary source of income during retirement.Keep reading to learn the challenges women face when saving for retirement, as well as how women can better financially prepare to retire. If you’re searching for ways to improve your financial situation ahead of retirement, visit Credible to compare a variety of financial products from debt consolidation loans to high-yield savings accounts.

Women face unique challenges when preparing for retirement

There are a number of obstacles that women must overcome when saving money for retirement — starting with the gender wage gap, according to Stacy J. Miller, a Tampa, Fla.-based certified financial planner (CFP). Women typically earn less money than men, which results in lower retirement savings.

Miller said that because “women are often the caretakers in the family,” they may have to leave the workforce to care for children and aging parents. Missing periods of work can result in lower earnings over time and “fewer opportunities for pay raises and promotions.”Most woman caregivers have had to make work adjustments, such as missing days of work (36%), working an alternative schedule (28%), reducing their hours (27%) and even quitting their jobs (10%), TransAmerica reports.

Work adjustments due to caregiving, men vs. women

“Additionally, women statistically live longer than men, and therefore their retirement portfolio would need to be larger than men to last longer,” Miller said. Without proper financial planning and adequate retirement savings, some retirees may become reliant on credit card spending to cover basic expenses. If you’re struggling to pay down high-interest credit card balances, you may be able to save money through debt consolidation. You can learn more about credit card consolidation on Credible to determine if this is the right financial strategy for you.

How women can better prepare for retirement

If you’re one of the many women with an insufficient retirement nest egg, there’s still time to save. Consider these tips from female financial advisors on how women can be more financially prepared for retirement:

Maximize your retirement contributions

Both working women and self-employed caretakers should find a way to contribute the maximum amount to retirement plans, according to Kimberly Foss, a CFP in Roseville, Calif. — “especially in older women’s peak earning years, which often occur as they are nearing retirement.” In 2022, employees can defer up to $20,500 of their annual income into their workplace retirement plan or 401(k). The current contribution limit across all individual retirement accounts (IRAs) is $6,000 per year.

Women who are near retirement age should take advantage of catch-up provisions to grow their account balances, Foss said. This allows individuals ages 50 and up to contribute an additional $6,500 annually to their 401(k) plans and an added $1,000 to their traditional IRAs and Roth IRAs.

Allocate your investments

Besides maximizing their contributions, women should also consider their how their retirement investments are allocated, according to Joyce Streithorst, a CFP in Melville, N.Y. “Default investments make an impact on one’s long-term growth and returns,” Streithorst said. “Lifecycle or target date funds can help provide an allocation to equities and fixed income to attempt to align risk to your age and anticipated retirement year.”

Retirement savings accounts are typically invested in bonds as well as the stock market in the form of index funds and mutual funds. Investment allocations range between conservative, moderately conservative and moderate, depending on the risk tolerance. An investor’s retirement portfolio will typically vary based on market conditions. Since consumers have their own unique financial goals and obligations, it’s important to determine the right asset allocation strategy for your needs.

Reach out to a financial advisor

TransAmerica reports that while 43% of men use a financial advisor to help them manage their savings and investments, just 34% of women do. This could be due to a lack of female advisors, said Tess Zigo, a CFP in Palm Harbor, Fla.

“Because we don’t see many women in finance and as financial advisors, it doesn’t feel approachable or accessible,” Zigo said. “Many women feel more comfortable working with someone relatable.”Retirement planning can at times be overwhelming, so you might consider enlisting a professional to help guide you through the process. You can search for advisory services in your area on the CFP website.

And if you’re searching for the right financial products to set yourself up for success in retirement, it’s important to shop around. You can visit Credible to compare interest rates on everything from personal loans to mortgages for free without impacting your credit score.

Source: Women are far less financially prepared for retirement than men: TransAmerica study | Fox Business

Critics by : Mallika Mitra

For women, the salary gap they face in their working years eventually turns into a retirement savings gap. Only about 6 in 10 women have a plan to keep them from outliving their savings once they retire, according to a recent study by Nationwide Advisory Solutions. Among men, it’s more than 3 out of 4.

The firm polled about 1,021 financial advisors and 824 investors in February and March. “We’re in an industry that is inherently addressing the issues of men,” said Kristi Rodriguez, leader of the Nationwide Retirement Institute at Columbus, Ohio-based Nationwide. “We have to instill confidence in female investors.”

Women face unique challenges when saving for retirement. For one, they live longer than men — on average by six to eight years, according to the World Health Organization. They’re also subject to higher health-care costs. A woman retiring at age 65 in 2019 is likely to pay around $150,000 in health-care costs throughout retirement, while the number drops to $135,000 for men, according to an annual analysis by Fidelity Investments released earlier this year.

Women also tend to spend more time away from work to care for children. Once they return, they can fall behind in rank and miss out on opportunities for promotion. This “motherhood penalty” costs women $16,000 a year in lost wages, according to an analysis of Census data by the nonprofit advocacy organization National Women’s Law Center in 2018. Financial advisors must address these obstacles and ensure women feel comfortable discussing these challenges.

“You can find an advisor that meet the needs of both you and your spouse,” Rodriguez said. “But what is important is to find someone who creates that environment to make you feel welcome.”

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