Educational Researcher Says It Will Boost Learning
& Cut Costs

Less than half of high school graduates who took the SAT in 2013 were prepared for college, continuing a five-year trend.

Less than half - 44 percent -- who took the ACT had the reading skills necessary for college. That's down from 53 percent in 2009. And nearly a third failed to meet standards in four areas: reading, English, science and math.

The failures have persisted despite years of new tests, new curricula and new demands on teachers, notes educational researcher and consultant Charles M. Reigeluth, author of "Reinventing Schools: It's Time to Break the Mold," (www.reigeluth.net).

"We continue to approach the same problems with the same sorts of solutions, despite the fact that they're not working," he says. "Instead, we need a fundamental shift in how we educate our children. Our public school system was designed to meet the needs of a long-ago era - the Industrial Age. It's not working because we're now in the Information Age."

Teachers unfairly shoulder much of the blame for the lack of progress, he notes, but they're hamstrung by roles and rules that don't work for 21st century students.

"We need to change from teacher-centered education to learner-centered. In the Industrial Age paradigm, teachers are a judge and a perceived threat. In the Information Age, they should be guides and coaches who help students overcome obstacles," says Reigeluth.

His multidimensional approach includes reducing bureaucracy in schools; encouraging students to teach each other with teacher supervision; having interns and other paraprofessionals, including retiree volunteers, assist with guiding student learning; and creating an "educational cooperative," where a community's adults can earn access to learning resources, advancing their own education, in exchange for helping students learn.

"The new paradigm can significantly reduce the cost of education while increasing the quality," says Reigeluth, who outlines the five new roles teachers would have in this redesigned system.

•  Mentor ... the same 20 to 30 students for several years, addressing all aspects of student development. Students and teachers would develop the deeper relationships that foster real caring on both sides. Mentors would help students prepare a personal learning plan for each project period, six to 12 weeks, including helping each student and his parents choose appropriate instructional goals, subject to standards set by the community, state and nation. Mentors would also help identify and support the best means for each student to achieve those goals.

•  Designer ... of student work options, mostly projects or tasks, to engage students in the learning process. Open educational resources developed by teachers throughout the country and available to all educators for free via the Internet can alleviate much of the burden of the designer role.

•  Facilitator ... of the learning process, which entails monitoring student progress, enhancing student motivation and coaching student performance.

•  Learner ... the teacher is always learning with the students, about students, from and for the students. The teacher does not have all the answers, but the teacher helps students find answers. And the teacher is always learning more about how best to meet students' needs. The new paradigm provides sufficient support for teacher learning.

•  Owner and manager ... of the school. Like lawyers and accountants in a small firm, teachers would be partners who own their public school and make decisions about its operations, including budgeting and staffing. This model is already a success at the Minnesota New Country School and other EdVisions schools. This role elevates teachers to that of true professionals, rather than workers controlled by an all-powerful bureaucracy.

"These new roles offer empowerment to those who are most affected by our system, the student and the teacher, the latter of whom I suggest calling 'guides' to better reflect their new roles," Reigeluth says. "The new roles better serve students in the age in which we live."

About Charles M. Reigeluth

Charles M. Reigeluth is a distinguished educational researcher who focuses on paradigm change in education. He has a B.A. in economics from Harvard University, and a Ph.D. in instructional psychology from Brigham Young University. He was a professor at the Instructional Systems Technology Department at Indiana University, and is a former chairman of the department. His new book, "Reinventing Schools," (www.reigeluth.net), advocates and chronicles a national paradigm change in K-12 education. He offers presentations and consulting on this topic.

5 Tips for Enriching Bonds from Musical Maestro Delfeayo Marsalis

If you're like jazz trombonist and music producer Delfeayo Marsalis, a member of the acclaimed Marsalis family from New Orleans, you appreciate the "old-school" ways of doing things.

For Marsalis, that means doing without automated music created and played at the push of a button, cooking without a microwave and not being too quick to replace a lost cell phone.

"Some people ask, 'How could you go weeks without replacing your phone?' But for me, I look at it as a much needed vacation," he says.

"At the same time, I'm like most other people: when I have a smart phone on me, I find myself checking it frequently."

While Marsalis isn't anti-technology, he fondly recalls a time when more people interacted with others who are right in front of them, rather than staring at a gadget in their hand - especially when it comes to family. The father of a young teenager, he offers the following tips for improving quality time by doing without the ubiquity of cell phones.

•  Consider a "No Cell Phone Day." In fact, that's the name of his new children's book, (www.KidsTownPress.com), about a tech-entrenched father who spends a happy birthday exploring New Orleans with his daughter - without his cell phone. A monthly "no cell phone day" allows you to fully engage with the people around you, whether they're your kids, your parents, or your friends. Without the distractions of work and spam email, you'll can have meaningful conversations and simply spend time laughing with the people you love. You'll have those memories to cherish for a long time to come. If you really want to connect with yourself and loved ones, plan on a regular No Cell Phone Day.

•  Play dates that don't require cell phones. When Marsalis takes his 13-year-old daughter and her cousins out for a fun day out at the mall, followed by a movie and dinner, he makes a deal with them to leave their phones at home.

"We're all together on these occasions, so there's no concern for safety, and it would be sad to go through all the trouble of spending the day together while, half of the time, they're preoccupied with their phones," he says. "In addition to the occasional outing, we set aside time at home when we can't use cell phones."

•  Make dinner time a cell phone-free zone. While food is especially important to any self-respecting son or daughter of New Orleans, sitting down to eat together is a sacred time for every family. Children and adults alike face significant stress and pressures every day in the world outside the home. Closing the doors on that world and coming together for an hour each evening to relax and refresh in the comparative safety of those who most love us is essential to our well-being.

•  Play "What Do I Know without My Cell Phone?" Research suggests cell phones are compromising the short-term memory of children. More and more of us - children and adults alike - rely on our smart phones, rather than our memories, to retrieve information. Exercising our brains with trivia, math and other cognitive games can help all of us stay mentally sharp.

•  Most importantly - don't be afraid to be bored! Life doesn't have to be a sci-fi movie all of the time. Ask your child to reflect on their greatest memories to date; chances are 0 percent that the content of those memories will involve cell phones.

About Delfeayo Marsalis

While Delfeayo Marsalis (dmarsalis.com) is known primarily for his work as a jazz trombonist and music producer, and has been involved with youth education for many years. In 2000, he founded the Uptown Music Theatre to provide arts education for the youth of New Orleans. UMT has staged 16 of his original musicals. Inspired by his autistic younger brother, Mboya, Delfeayo has volunteered and presented shows at Children's Hospital of New Orleans, including the therapeutic, "Swinging with the Cool School." "No Cell Phone Day" is his first children's book.

The Client-Advisor Relationship Must NOT Be Overlooked, Says Industry Veteran

Shocking stats continue to make news regarding America's preparedness for retirement, including the fact that one of five citizens near retirement age have zero money put away for the golden years, according to statistics recently released from the Federal Reserve.

About 20 percent of pre-retirees have nothing stocked away, and 31 percent of the total population also has no money for retirement.

"This issue is making news regularly, and financial planning for retirement advertisements have spiked in recent years, in case you haven't noticed," says Rodger Alan Friedman, author of "Forging Bonds of Steel," (www.forgingbondsofsteel.com/).

"If nothing else, I hope the increased focus is lighting a fire under those who are near retirement, and I hope future generations are taking notes."

Just as the average person needs to get real with their own finances, advisors also need to get real with their clients. That means having several traits, says Friedman, who reviews them.

•  Competence: When advisors are unsure of themselves, it comes through. When presented with a set of facts, new advisors may not recognize what they are dealing with, or its importance. A seasoned advisor, on the other hand, has dealt with many clients with numerous problems several times over and knows what it takes to solve a problem. That's why I feel that an experienced financial advisor is the best answer for someone in need of retirement income and financial planning. Also, financial advisors should be very well-read, with self-imposed reading requirements. Learning new ideas and revisiting old ones keeps veteran advisors fresh.

•  Empathy: What is a client going through? Advisors must have their antennae up. Tears, anger, regrets and frustration are often bound with a person's finances, and "I have met very few 22-year-olds who can fully understand the struggles, worries and dreams most people experience throughout a lifetime," he says. Advisors have to develop an approach that helps clients feel comfortable in discussing difficult matters. The client needs to understand that the advisor truly cares and is not there merely for a transaction.

•  Ability to listen: " 'You have to have two ears and one mouth,' my mother used to say; she made it clear that I should be listening twice as much as I was talking, and that advice has served me well in my life and career," Friedman says. Clients come to an advisor for professional expertise, but they don't want to be lectured. Advisors have to first listen to clients - their problems, needs and hopes - before offering a professional response. The conversation should flow easily both ways as an advisor and client get to the heart of matters in an atmosphere of mutual respect.

•  Perspective & insight: Perspective and insight are like twins: wherever there is one, the other is not far behind. Planners gain perspective and insight through thousands of hours of listening, collaborating, advising and acting as a steward of the financial assets and dreams of the families they serve. You know when you're in the presence of these "twins;" it is often said that people with both see with their intellect - they possess vision. Clients should keep their antennae up for these traits when meeting a prospective advisor. Pay attention to how he or she may, as if without effort, intelligently guide the two-way conversation.

About Rodger Alan Friedman

Rodger Alan Friedman grew up working in his family's New York City laundry, where he learned a strong work ethic - and about the type of work he didn't want to do. After earning a degree in political science, he became a real-estate agent trainee, then performed compliance audits for a large Wall Street brokerage firm, eventually became a stock broker, and then financial advisor and wealth management professional. Friedman's passion persists today while advising affluent retirees and near-retirees in structuring their planning and investments for the next phase of their lives. He is a managing director, founding partner and wealth manager at Steward Partners Global Advisory in the Washington metropolitan area.

Opinions expressed are those of Rodger Friedman and not necessarily those of RJFS or Raymond James. All opinions are as of this date are of subject to change without notice.

Rodger Friedman is a Wealth Manager and offers securities through Raymond James Financial Services, Inc. Member FINRA/SIPC. Rodger Friedman can be contacted at 855-414-3140, and via email Rodger.Friedman@StewardPartners.com.

With the Right Help, the Whole Cast Could be Winners,
Says Employment Strategist

After perusing the many niches of reality TV -- well-to-do housewives in multiple major cities, the rugged Alaska lifestyle, and working the dirtiest jobs known to man -- employment strategist Richard B. Alman wonders why we haven't seen a show about a popular and compelling subject: long-term unemployment.

While unemployment has seen an impressive two-year decline and currently hovers near 6.2 percent, according to the Bureau of Labor Statistics, there is no reliable data for the long-term unemployed - those who've been jobless for 27 weeks or more - and for the underemployed.

"Recent college grads, who are typically saddled with student debt, still struggle to find terra firma in the professional world, and there's a large blind spot for older unemployed workers, who may have gone back to school or taken a lesser job for which they're overqualified, or they're still searching," says Alman, principal of Recruiter Media, owner of www.RecruiterNetworks.com, the world's largest owner/operator of career websites.

"Drama, struggle, learning moments and, yes, hope - that's what you'd get with an un- and underemployment-themed reality TV show."

Alman reviews how the first season might play out.

•  Week 1: Job-seekers are happy to have a gig. Since reality show participants are paid, all are happy for this opportunity. Newly graduated college students are grateful to have a place to crash for several weeks with Wi-Fi and other free amenities, and love interests begin to develop. Older professionals, however, will have mortgages and families; for them, the show is a business trip. Underemployed job-seekers tell their stories of working long hours in unfulfilling positions.

•  Week 2: Putting the reality into "reality TV." "Un- and underemployment touches nearly everyone; we all know someone without enough work," Alman says. While reality includes fortuitous wealth and fame for a few, it also includes tough times for many. The second week would feature job-seekers sticking to old methods of searching that have not worked in the past and continue to fail them.

•  Week 3: The reveal - participants find out it's a competition. While the cameras have sparked renewed vigor in their individual searches - a few participants may have even tried some wildly unconventional tactics - the group has had relatively little success. Producers reveal that it's not just a reality show about job-seekers, it's a competition. The group is separated into two teams. Participants from the winning team get legitimate interviews with Fortune 500 companies.

•  Week 4: Job-seekers gain important tips. No matter how much experience, talent, youth or beauty they have, job-seekers still make mistakes with their strategies. While a well-written cover letter, an impressive education and a great resume certainly help - they're not everything. Professionals give participants tips for staying relevant in today's market, including the importance of doing volunteer work, preferably in roles that match their talents and training.

"I really cannot overemphasize this tip enough. Volunteering is probably the best way for the long-term unemployed to demonstrate their abilities, initiative and effectiveness in a marketplace that hasn't given you enough of a chance," Alman says. "It builds new skills, introduces you to a new network of potential employers, and adds recent experience to your resume."

•  Final week: All are on their way to gainful employment. After several weeks, most of the participants have made significant progress in landing career positions. While the winning team gains a great opportunity with a guaranteed, high-quality interview, there are no losers on this show. And, those who've made an excellent impression on the program are sure to gain additional opportunities.

About Richard B. Alman

Richard B. Alman is the principal and chief career/employment strategist of Recruiter Media Inc., the world's largest owner/operator of career websites, offering recruiters, employers and job seekers a smarter alternative to the impersonal, less-specific "universal" employment websites. The only national, city-specific job board on the planet for more than a decade, www.RecruiterNetworks.com serves more than 1,000 U.S. cities with their own unique career websites. Alman has worked in all aspects of recruiting and career/employment strategies with corporations such as General Motors and UBS and privately owned multi-national companies.