The document provides a 5-step guide to generating insights from data:
1. Define what needs to be understood from the data
2. Identify barriers that could prevent insights such as selection and confirmation bias
3. Develop customer empathy through research to understand motivations
4. Take a step back before finalizing insights to ensure they are useful and consistent
5. Validate insights through research to ensure they differentiate and motivate the audience
This document outlines 14 guidelines for effective English language development (ELD) instruction based on research on English learners. The guidelines are grouped into those that are strongly supported by evidence and those that are emerging hypotheses. The strongly supported guidelines recommend that ELD instruction be provided daily with a focus on listening and speaking, explicit teaching of English elements, integration of meaning and communication, and corrective feedback. Emerging guidelines suggest maximizing English use while strategically using students' primary language, teaching language learning strategies, emphasizing academic language, continuing ELD through advanced proficiency levels, using language objectives, grouping by proficiency for ELD then mixing for other classes, and prioritizing ELD programs.
Всеукраїнський педагогічний інтерактивний марафон
Тема: Освіта, яка надихає на дії
Спікер: Цимбалару Анжеліка Дмитрівна, завідувач відділу початкової освіти Інституту педагогіки НАПН України, доктор педагогічних наук, автор серії навчальних посібників
The document lists names, countries, license numbers, clubs, and years for runners. It includes runners from Ethiopia, Uganda, Morocco, Kenya, and Spain. The Spanish runners are listed with their license numbers, clubs, and years.
This document summarizes a meeting about iPhone, iPad, and mobile app development. It discusses the growth of smart devices, revenue models for iPhone and Android apps, investment funds for iPhone apps, the fast time to market for popular apps, the app approval process at Apple, and poses a hypothetical scenario about what would happen if Apple was a startup company. It encourages attendees to ask questions.
This document discusses explicit language development (ELD) instruction for English learners. It defines ELD as explicitly teaching the forms of English, including vocabulary, grammar, and language functions, with a focus on speaking and listening. It cites research that shows stand-alone ELD classes taught in a systematic way leads to stronger English proficiency gains compared to other models. However, ELD faces challenges due to lack of resources and disbelief in its effectiveness. The document calls for advocates to address these issues and crowd-source teaching materials to help make high-quality ELD instruction a reality.
The document summarizes the performance of an automated trading strategy run by Stargate Capital Management Ltd. from January to December 2015. It achieved a net growth of 20.56% over this period. Monthly net growth percentages are provided, ranging from -7.10% to 3.64%. The strategy aims to profit from trends in both bull and bear markets across up to 25 currency pairs using multiple algorithms and risk management strategies.
The document provides a 5-step guide to generating insights from data:
1. Define what needs to be understood from the data
2. Identify barriers that could prevent insights such as selection and confirmation bias
3. Develop customer empathy through research to understand motivations
4. Take a step back before finalizing insights to ensure they are useful and consistent
5. Validate insights through research to ensure they differentiate and motivate the audience
This document outlines 14 guidelines for effective English language development (ELD) instruction based on research on English learners. The guidelines are grouped into those that are strongly supported by evidence and those that are emerging hypotheses. The strongly supported guidelines recommend that ELD instruction be provided daily with a focus on listening and speaking, explicit teaching of English elements, integration of meaning and communication, and corrective feedback. Emerging guidelines suggest maximizing English use while strategically using students' primary language, teaching language learning strategies, emphasizing academic language, continuing ELD through advanced proficiency levels, using language objectives, grouping by proficiency for ELD then mixing for other classes, and prioritizing ELD programs.
Всеукраїнський педагогічний інтерактивний марафон
Тема: Освіта, яка надихає на дії
Спікер: Цимбалару Анжеліка Дмитрівна, завідувач відділу початкової освіти Інституту педагогіки НАПН України, доктор педагогічних наук, автор серії навчальних посібників
The document lists names, countries, license numbers, clubs, and years for runners. It includes runners from Ethiopia, Uganda, Morocco, Kenya, and Spain. The Spanish runners are listed with their license numbers, clubs, and years.
This document summarizes a meeting about iPhone, iPad, and mobile app development. It discusses the growth of smart devices, revenue models for iPhone and Android apps, investment funds for iPhone apps, the fast time to market for popular apps, the app approval process at Apple, and poses a hypothetical scenario about what would happen if Apple was a startup company. It encourages attendees to ask questions.
This document discusses explicit language development (ELD) instruction for English learners. It defines ELD as explicitly teaching the forms of English, including vocabulary, grammar, and language functions, with a focus on speaking and listening. It cites research that shows stand-alone ELD classes taught in a systematic way leads to stronger English proficiency gains compared to other models. However, ELD faces challenges due to lack of resources and disbelief in its effectiveness. The document calls for advocates to address these issues and crowd-source teaching materials to help make high-quality ELD instruction a reality.
The document summarizes the performance of an automated trading strategy run by Stargate Capital Management Ltd. from January to December 2015. It achieved a net growth of 20.56% over this period. Monthly net growth percentages are provided, ranging from -7.10% to 3.64%. The strategy aims to profit from trends in both bull and bear markets across up to 25 currency pairs using multiple algorithms and risk management strategies.
SIPP Pension & Investment Bond Fixed Return 9.85%Brian Boyd
I would like to introduce you to the New launch of Privilege Wealth PLC SIPP Pension Bond and Investment Bond
: 9.85% Fixed Return
: Capital Insured up to 95% Shortfall Cover
: Capital Insured Against Cyber Crime
: Capital Insured Against a Wrongful Act
: Capital Secured on Loans made with step-in rights in the event of default
: Not Invested in the Volatile Stock Market
For Free Initial Advice contact Brian Boyd
Email brianboyd.thefinancialfactory@live.co.uk
Regards
Brian Boyd
Motion Picture Capital - Why invest in film & TVBrian Boyd
The global filmed entertainment market has experienced significant growth in recent years. The box office grew to $35.9 billion in 2013, with international box office reaching $25 billion, a 33% increase since 2008. New revenue streams like streaming services and video on demand are contributing to dramatic growth in the electronic home video market, which is forecast to rise from $13.2 billion in 2013 to $32.7 billion by 2018. Major markets like China and India are also expanding rapidly. The film and TV industries provide opportunities for investors through a blended investment strategy that can manage risk while allowing for potential upside.
This document describes the key features of the FXPerpetual managed forex account, including:
1) It trades 25 currency pairs using 4 algorithms per pair, totaling 100 algorithms, to reduce risk.
2) It employs a "Guardian Hedge" strategy to protect against prolonged price trends by opening offsetting trades.
3) It uses a "Basket Stop Loss" with a "Basket Stop Facility" that credits account holders for any net losses from stopped baskets over an annual period, making it a potentially win-win outcome for investors and managers.
4) The "Basket Stop Facility" is a non-recourse facility provided by UKITI to smooth performance and encourage longer-
This document provides an overview and summary of the FXPerpetual Capital Protected Forex Managed Account offered by Stargate Capital Management Ltd. The trading strategy aims to profit from currency price reversals by placing trades in the opposite direction of current trends. Trades are placed automatically across multiple currency pairs using algorithms. The strategy employs diversification, hedging techniques, and stop losses to manage risk while seeking profits from short-term trend reversals. Performance since 2007 shows mostly positive monthly returns, with the strategy gaining over 50% in some years.
The document summarizes upcoming changes to the taxation of dividend income in the UK, which will abolish the dividend tax credit and introduce a £5,000 tax-free dividend allowance. It provides examples of how various individual taxpayers and business owners would be impacted. For individuals receiving dividends over £5,000, they will pay an effective 7.5% tax on dividends instead of the previous 0% for basic rate taxpayers. Business owners taking a combination of salary and dividends will be slightly worse off. The changes may also increase taxes for discretionary trusts that receive dividends.
This document provides a performance overview of Investec Structured Products that have matured as of February 2015. It is grouped into Structured Deposits and Structured Investments. Structured Deposits are designed as alternatives to cash savings and do not put clients' capital at risk, while Structured Investments feature some capital risk but higher potential returns. Across both categories, the majority of versions paid positive returns to clients, with average annual returns generally exceeding benchmark cash savings rates and stock market indexes.
Protect75 provides a death benefit if the customer passes away before age 75. For a client who invested £100,000 and took £10,000 in withdrawals, leaving a fund value of £60,000 at the time of death at age 71, Protect75 would pay out an additional £30,000 as a lump sum benefit. Protect75 guarantees to pay the difference between the original investment of £100,000 and any withdrawals or current fund value if the customer dies before age 75. There is an additional fixed fee charged for the Protect75 protection.
Income reward sales aid 1412 ukv5 income1_v10_final-2Brian Boyd
The Secure Advantage+ plan from AXA Life Europe is a pension plan designed to help investors achieve three financial objectives: 1) A guaranteed lifetime income, 2) Investment choice and income flexibility, and 3) Ability to pass on remaining wealth. The plan offers a lifetime income benefit guaranteeing income for life as well as potential investment growth opportunities and flexibility to take income or lump sums as needed in retirement.
AllianceBernstein manages a total of $454 billion in assets as of March 2014. The majority of assets are in fixed income (55%) followed by equities (20%). Assets are distributed across institutional (52%), retail (33%), and private clients (15%). While the average risk of a balanced portfolio is moderate over the long run, portfolio volatility can vary significantly in the short term depending on market conditions. Dynamic de-risking aims to lower overall portfolio risk by reducing exposure to riskier assets during periods of higher market volatility. It is more difficult to recover losses than it is to achieve gains of the same magnitude.
Auto enrolment is a government scheme that requires employers to automatically enroll eligible employees into a workplace pension. It aims to increase retirement savings as both employers and employees are required to contribute to the pension, along with additional government tax relief. True Potential Investor provides a qualifying auto enrolment scheme that is free for employers to use. It offers simple setup and management, and benefits employees by allowing them to track and manage their pension online.
ARE YOU READY ?
EMAIL brianboyd.thefinancialfactory@live.co.uk
Upcoming dates
PAYE Scheme Size
Staging Date
60
1 Oct 2014
59
1 Nov 2014
58
1 Jan 2015
54-57
1 March 2015
50-53
1 April 2015
40-49
1 August 2015
30-39
1 October 2015
Fewer than 30
1 June 2015 - 1 April 2017
Employers without PAYE
1 April 2017
New employers
1 May 2017 - 1 Feb 2018
Turning Your Taxed Pension into a Tax Free Income StreamBrian Boyd
The document discusses various ways that Blackflame's Enterprise Investment Scheme (EIS) can be used to reduce and eliminate taxes, including income tax, inheritance tax, capital gains tax, and taxes on rental income and dividends. It provides examples of how investing pension funds and profits from a limited company into Blackflame's EIS can generate tax rebates and exemptions over time.
SIPP Pension & Investment Bond Fixed Return 9.85%Brian Boyd
I would like to introduce you to the New launch of Privilege Wealth PLC SIPP Pension Bond and Investment Bond
: 9.85% Fixed Return
: Capital Insured up to 95% Shortfall Cover
: Capital Insured Against Cyber Crime
: Capital Insured Against a Wrongful Act
: Capital Secured on Loans made with step-in rights in the event of default
: Not Invested in the Volatile Stock Market
For Free Initial Advice contact Brian Boyd
Email brianboyd.thefinancialfactory@live.co.uk
Regards
Brian Boyd
Motion Picture Capital - Why invest in film & TVBrian Boyd
The global filmed entertainment market has experienced significant growth in recent years. The box office grew to $35.9 billion in 2013, with international box office reaching $25 billion, a 33% increase since 2008. New revenue streams like streaming services and video on demand are contributing to dramatic growth in the electronic home video market, which is forecast to rise from $13.2 billion in 2013 to $32.7 billion by 2018. Major markets like China and India are also expanding rapidly. The film and TV industries provide opportunities for investors through a blended investment strategy that can manage risk while allowing for potential upside.
This document describes the key features of the FXPerpetual managed forex account, including:
1) It trades 25 currency pairs using 4 algorithms per pair, totaling 100 algorithms, to reduce risk.
2) It employs a "Guardian Hedge" strategy to protect against prolonged price trends by opening offsetting trades.
3) It uses a "Basket Stop Loss" with a "Basket Stop Facility" that credits account holders for any net losses from stopped baskets over an annual period, making it a potentially win-win outcome for investors and managers.
4) The "Basket Stop Facility" is a non-recourse facility provided by UKITI to smooth performance and encourage longer-
This document provides an overview and summary of the FXPerpetual Capital Protected Forex Managed Account offered by Stargate Capital Management Ltd. The trading strategy aims to profit from currency price reversals by placing trades in the opposite direction of current trends. Trades are placed automatically across multiple currency pairs using algorithms. The strategy employs diversification, hedging techniques, and stop losses to manage risk while seeking profits from short-term trend reversals. Performance since 2007 shows mostly positive monthly returns, with the strategy gaining over 50% in some years.
The document summarizes upcoming changes to the taxation of dividend income in the UK, which will abolish the dividend tax credit and introduce a £5,000 tax-free dividend allowance. It provides examples of how various individual taxpayers and business owners would be impacted. For individuals receiving dividends over £5,000, they will pay an effective 7.5% tax on dividends instead of the previous 0% for basic rate taxpayers. Business owners taking a combination of salary and dividends will be slightly worse off. The changes may also increase taxes for discretionary trusts that receive dividends.
This document provides a performance overview of Investec Structured Products that have matured as of February 2015. It is grouped into Structured Deposits and Structured Investments. Structured Deposits are designed as alternatives to cash savings and do not put clients' capital at risk, while Structured Investments feature some capital risk but higher potential returns. Across both categories, the majority of versions paid positive returns to clients, with average annual returns generally exceeding benchmark cash savings rates and stock market indexes.
Protect75 provides a death benefit if the customer passes away before age 75. For a client who invested £100,000 and took £10,000 in withdrawals, leaving a fund value of £60,000 at the time of death at age 71, Protect75 would pay out an additional £30,000 as a lump sum benefit. Protect75 guarantees to pay the difference between the original investment of £100,000 and any withdrawals or current fund value if the customer dies before age 75. There is an additional fixed fee charged for the Protect75 protection.
Income reward sales aid 1412 ukv5 income1_v10_final-2Brian Boyd
The Secure Advantage+ plan from AXA Life Europe is a pension plan designed to help investors achieve three financial objectives: 1) A guaranteed lifetime income, 2) Investment choice and income flexibility, and 3) Ability to pass on remaining wealth. The plan offers a lifetime income benefit guaranteeing income for life as well as potential investment growth opportunities and flexibility to take income or lump sums as needed in retirement.
AllianceBernstein manages a total of $454 billion in assets as of March 2014. The majority of assets are in fixed income (55%) followed by equities (20%). Assets are distributed across institutional (52%), retail (33%), and private clients (15%). While the average risk of a balanced portfolio is moderate over the long run, portfolio volatility can vary significantly in the short term depending on market conditions. Dynamic de-risking aims to lower overall portfolio risk by reducing exposure to riskier assets during periods of higher market volatility. It is more difficult to recover losses than it is to achieve gains of the same magnitude.
Auto enrolment is a government scheme that requires employers to automatically enroll eligible employees into a workplace pension. It aims to increase retirement savings as both employers and employees are required to contribute to the pension, along with additional government tax relief. True Potential Investor provides a qualifying auto enrolment scheme that is free for employers to use. It offers simple setup and management, and benefits employees by allowing them to track and manage their pension online.
ARE YOU READY ?
EMAIL brianboyd.thefinancialfactory@live.co.uk
Upcoming dates
PAYE Scheme Size
Staging Date
60
1 Oct 2014
59
1 Nov 2014
58
1 Jan 2015
54-57
1 March 2015
50-53
1 April 2015
40-49
1 August 2015
30-39
1 October 2015
Fewer than 30
1 June 2015 - 1 April 2017
Employers without PAYE
1 April 2017
New employers
1 May 2017 - 1 Feb 2018
Turning Your Taxed Pension into a Tax Free Income StreamBrian Boyd
The document discusses various ways that Blackflame's Enterprise Investment Scheme (EIS) can be used to reduce and eliminate taxes, including income tax, inheritance tax, capital gains tax, and taxes on rental income and dividends. It provides examples of how investing pension funds and profits from a limited company into Blackflame's EIS can generate tax rebates and exemptions over time.