Quicken online

Quicken LogoSuitability:

Unavailable

Intuit has blogged plans to go online with a Quicken-branded version of Mint, later in 2010. Until that is complete (an unspecified time this year), Quicken Online is not allowing new registrations.

Features

Quicken online has many enthusiastic users. It is not certain which features of Quicken and Mint will be retained.

References

Personal communication

Quicken Blog Team, 2008. Announcement: Quicken Online + Mint.com = The Best of Both. Official Quicken Blog. Available at: http://blog.quicken.intuit.com/announcement/2009/12/02/quicken-online-mint-com-the-best-of-both/ [Accessed February 23, 2010].

Intuit, 2010. Quicken® Online is now Mint Online Free Personal Finance Software. Quicken. Available at: http://quicken.intuit.com/personal-finance-software/free-online-money-management.jsp [Accessed February 23, 2010].

Yodlee Moneycentre

Suitability:

Unusable

In my testing with Australian bank accounts, Yodlee showed payments made by BPay, but did not show other transactions.  Yodlee’s support desk escalated this issue to engineering where it currently remains.

Platform

Yodlee is online, hosted in USA, accessible through Firefox or IE.

Features

If your banks allow internet banking, and you enter those credentials, Yodlee provides a single centre for viewing all of those bank accounts, transferring money between them, and paying bills online through BPay. This makes managing multiple accounts almost as efficient as managing one.

Yodlee categorises bills and tallies them against a budget, and graphs spending patterns.

Yodlee has tools for evaluating real estate and other investments.

References

Bournique, D., 2008. Yodlee – Powerful Mobile Money Management. WAP Review. [http://pc.wapreview.com/?p=529 Accessed February 23, 2010].

Yakal, K., 2009. Yodlee MoneyCenter – Full Review – Reviews by PC Magazine. PCMag.com. [http://www.pcmag.com/article2/0,2817,2344455,00.asp Accessed February 23, 2010].

Yodlee. [http://yodlee.com Accessed February 23, 2010]

Mint.com

Suitability:

UNAVAILABLE

Mint can only be used in USA. Mint.com support advised:

Non US-based account can’t be added due to currency conversion.

Currently Mint only supports US based financial institutions. We do plan to support financial institutions based outside of the US and we will attempt to notify you via email when we do. We would also recommend keeping an eye on our forums at http://forums.mint.com/ for regular product updates and announcements.

Intuit has blogged plans to go online with a Quicken-branded version of Mint, later in 2010:  http://blog.quicken.intuit.com/announcement/2009/12/02/quicken-online-mintcom-the-best-of-both/

Platform

Online, through Firefox. There is an iphone app that gives read-only access to your Mint. The back end is reportedly provided by Yodlee.

As a security measure, Mint only allows read-only access to bank accounts. You cannot use it to move money.

Features.

References

Personal correspondence

http://blog.quicken.intuit.com/announcement/2009/12/02/quicken-online-mintcom-the-best-of-both/

http://getsatisfaction.com/mint/topics/can_mint_be_used_outside_of_the_u_s

http://www.mint.com/features/

Four discussions about web filtering

Wassup?

Wassup?

Attention tends to focus on issues related to specific content, such as child protection or copyright compliance.  Filtering technology offers hope of partially mitigating these and reducing legal liability, but at the cost of a richer learning experience. More important, I think, are the values promoted by the processes used to negotiate the filtering rules.

1. Respect

Chris Betcher writes a compelling plea for schools to think in terms of trust and respect for students, when planning internet filters and digital communication rules.

2. Cohesion

A ‘learning organisation‘ seeks to share the task of learning and improvement. This communal openness can be poisoned by too-obvious differences in permissions. Nonetheless, students (and staff) are at different stages of cognitive, moral and social readiness, and it is unfair to expect all kids to deal with the material that is challenging to the most adventurous. (Child protection considerations intrude, here.) Group definition is also involved: The functioning of a class as a team, or the school as a community, can be impeded by individuals’ preoccupation with people outside invisibly connected cliques inside the walls.

3. Equity

School kids are developing their sense of equity. Schools often set sadly simplistic rules to cut short perennial debates about fairness. For example, access may be restricted in order to preempt attempts to innovate for personal advantage, or to compensate for students’ unequal resources, or to apply a keenly-felt but cost-free punishment to troublesome students.

4. Trade-offs

Student-initiated communication has an opportunity cost which students must learn to manage – unless the school does it for them. For example, schools commonly ban devices from classrooms in order to privilege the teacher-to-student channel, and parents ask boarding schools to block social web sites so that their children will not be distracted from homework.

Outlook

This is where the Digital Education Revolution is heading:

Students undertake challenging and stimulating learning activities supported by access to global information resources and powerful tools for information processing, communication and collaboration;… AICTEC Advice, p6

Along this journey, schools will be challenged to support or suppress students’ desires for freedom and responsibility, inclusion, equity and efficacy. Internet filtering policy in schools could become a hotly contested, and marketable, differentiating characteristic of schools.

References

AICTEC 2009. Digital Education Revolution Implementation Roadmap. Advice to the Productivity Agenda Working Group Schooling Sub-group from the Australian Information and Communications Technology in Education Committee. [http://www.deewr.gov.au/Schooling/DigitalEducationRevolution/Documents/AICTEC_DER_ROADMAPAdvice.pdf accessed 20/02/2010]

Betcher, C. 2010. A policy of trust and respect. ChrisBetcher.com. [http://chrisbetcher.com/2010/02/a-policy-of-trust-and-respect  accessed 20/02/2010]

Smith, M. K. (2001) ‘Peter Senge and the learning organization’, the encyclopedia of informal education. [www.infed.org/thinkers/senge.htm. Last update: September 03, 2009]

Image from Covenant Promotions (no date) CovPro Filtered Internet service. [http://www.pornblocker.com/s4f/ accessed 20/02/2010]

Nine values with four foundations

Which of the foundations of morality underpin the Nine Values for Australian Schools?

I was surprised to realise which theme was missing from the curriculum statement.

Value Harm/ care Fairness/ reciprocity Ingroup loyalty Authority/ respect Purity/ sanctity
Care and compassion.
Care for self and others
Y



Doing your Best.
Seek to accomplish something worthy and admirable, try hard, pursue excellence.




Y
Fair Go.
Pursue and protect the common good where all people are treated fairly for a just society.

Y


Freedom.
Enjoy all the rights and privileges of Australian citizenship free from unnecessary interference or control, and stand up for the rights of others.

Y


Honesty and Trustworthiness.
Be honest, sincere and seek the truth.




Y
Integrity.
Act in accordance with principles of moral and ethical conduct, ensure consistency between words and deeds.




Y
Respect.
Treat others with consideration and regard, respect another person’s point of view.



Y
Responsibility.
Be accountable for one’s own actions, resolve differences in constructive, non-violent and peaceful ways, contribute to society and to civic life, take care of the environment.



Y
Understanding, tolerance and inclusion.
Be aware of others and their cultures, accept diversity within a democratic society, being included and including others.
Y Y

Haidt’s group report that Ingroup-loyalty is the theme which is most clearly linked to political alignment and religious practice. Republican (conservative) voters place higher stress on group loyalty than Democrat (liberal) voters.

So why did the writers omit loyalty, group cohesion and patriotism? Did they just fail to agree? Or was it omitted because it would be controversial?

References

Ministerial Council of Education, Employment, Training and Youth Affairs 2005, National Framework for Values Education in Australia. http://www.curriculum.edu.au/verve/_resources/Framework_PDF_version_for_the_web.pdf

Haidt 2010, Moral Foundations Theory, Virginia University, blog available at http://faculty.virginia.edu/haidtlab/mft/index.php

Haidt’s presentation at TED conference in 2008 available at http://www.ted.com/talks/jonathan_haidt_on_the_moral_mind.html

Assessment and Reporting in 1996

Thoughts on Colin Marsh’s 1996 chapter on Assessment and Reporting, in Handbook for Beginning Teachers. (Summary in Prezi)

The concepts of Objective Assessment and Authentic Tasks are now (14 years later) well established and normative. However, learner involvement in planning assessment is still minimal in school classrooms that I have seen.

Ideas to involve learners in planning assessment, online

In Moodle

Create a Glossary activity. As an ‘assessment for learning’ (or formative feedback) it might go like this:

  1. Each student is to submit one question (as the card title) and marking criteria (as the card body), tagging it with the curriculum objective (as a keyword).
  2. Each student is to answer a number of other students’ questions (as a comment).
  3. Each student is to score (using comment ratings) several students’ answers.
  4. Teacher is to add a model answer (as a comment) to each question, and guide discussion of the questions with most divergent answers.

In Google Wave

Invite students to a Wave.

  1. include links to stimulus material and links to reference tools.
  2. pose a question
  3. after student answers begin to develop, add a poll to check the understanding of the lurkers. (Voting widgets)

In GoogleDocs

Create a form.

  1. In the description include links to stimulus material and links to reference tools.
  2. Use a Textbox question to ask students to suggest a question.
  3. Use tickboxes to ask students to confirm their perception of their own readiness for testing on each advertised criteria.
  4. Hide the summary of results from respondents.
  5. Distribute the form to class.
  6. Use the results spreadsheet to collate the contributed questions.

References

Marsh, C 1996 Handbook for beginning teachers, Addison Wesley Longman, South Melbourne, pp.213-233.

Other Polling gadgets. http://sites.google.com/site/polloforwave/alternatives

ClearCheckbook

Suitability:

CONCEPT DEMO

ClearCheckBook is safe for experiments – it doesn’t communicate directly with banks – but I wouldn’t recommend it for personal use. It just takes too long to work between email, ClearCheckbook and the banks, and without email reminders it is too easy to miss a bill payment.

ClearCheckbook dashboard

ClearCheckbook dashboard

Roadtest

It took minutes to create the account, and about 2 days to import or key in bank statements totalling 600 lines over 8 accounts (an excessive starting body). For teaching purposes, I would guide students through creating one credit card account, one cheque account and one cash account, and supply files representing two monthly bank statements (of 6-20 lines) for each account.

With only the instructions on the ClearCheckbook website and forum, it took about two more days to explore its capabilities. This could probably be collapsed to a couple of hours by sensible exclusions and explicit instruction.

One interesting point: the author warns against putting real account details into the system. They are not necessary, because ClearCheckBook is only managing records, not moving funds.

Access

  • Register online for the free version,  sufficient for most.
  • $4 USD per month by credit card for the premium version providing “running balances, mass editing, projecting future balances, transaction histories and more.

Platform

Good

  • Data in the cloud means no software installation, no backup, and easy account sharing.
  • Bill reminders (optionally) come by email, an adjustable number of days in advance.
  • I got a next-day response from the developer to a query in the user forum.
  • It handles multiple bank accounts and credit cards, and budget limits by category.
  • Repeating and floating bill reminders at very flexible intervals.
  • Transactions can be posted via AOL, SMS, ICQ, Yahoo! Messenger or Google Talk.

Bad

  • No control over period dates, no running balance in the Estimate Future Balances feature and no data dump for future transactions.
  • Dates are imported as US dates.
  • Rows from imported bank statements get an annoying prefix.
  • Past (i.e. overdue) bill reminders are hidden by default.
  • Reconciliation is hard work.
  • The cashflow line graph is easy to misinterpret as net balance vs time. (It is actually monthly income and expense in each month, not cumulative.)
  • One word (Jive) stands for the two distinct ideas: clearing (cheques) and reconciling (statement transactions). There are occasions where this is not clear.
  • No audit trail.

References

https://www.clearcheckbook.com

http://www.ehow.com/how_2091789_use-clearcheckbook.html

Roadtest

It took minutes to create the account, and about 2 days to import or key in bank statements totalling 600 lines (approximately 6 months) over 8 accounts. 600 lines was excessive. For teaching purposes, I would guide students through creating one credit card account, one cheque account and one cash account, and supply files representing two monthly bank statements for each account.

With only the instructions on the ClearCheckbook website and forum, it took about two more days to explore its capabilities. This could probably be collapsed to a couple of hours by sensible exclusions and explicit instruction.

Access

  • Register online for the free version,  sufficient for most.
  • $4 USD per month by credit card for the premium version providing “running balances, mass editing, projecting future balances, transaction histories and more.

Platform

Personal finance tools

Over the past two decades, budgeting skills have been taught in NSW high schools using:

Quicken 2010

Quicken 2010

  • paper and hand calculators
  • Excel templates
  • Limited-duration school licences for Quicken or Microsoft Money, etc.
  • Free trialware versions of Quicken, etc.

This year, MS Money has been taken off the market, the price of Quicken has risen, and takeup of online products has accelerated. It is as if the market for personal finance software has evaporated.

  • Are consumers shunning good-sense financial practices?
  • Is this type of personal financial management no longer necessary?
  • Will desktop products shift online?
  • Are other products more suitable now?
  • What can we expect in the future?

What personal budgeting tools should be taught in school now? Recommendations are welcome.

References

Mitchell, R.L., 2009. The Quicken monopoly. Computerworld blogs. Available at: http://blogs.computerworld.com/the_quicken_ultimatum_part_2 [Accessed February 15, 2010].

Reckon Ltd, 2010. History. Available at: http://www.reckonlimited.com.au/About-Reckon/History [Accessed February 15, 2010].

Ricadela, A., 2008. Intuit Taps Hewlett-Packard and Google for Advice. BusinessWeek. Available at: http://www.businessweek.com/technology/content/sep2008/tc20080929_263094.htm [Accessed February 15, 2010].

Roth, J., 2009. Good-Bye, Microsoft Money! 16 Powerful Personal Finance Programs. Get Rich Slowly. Available at: http://www.getrichslowly.org/blog/2009/07/01/good-bye-microsoft-money-16-powerful-personal-finance-programs/ [Accessed February 15, 2010].

Image from http://blogs.quicken.intuit.com

Hatchet

Hatchet

Hatchet

Although the continuity of character is strong, the book seems to progress through three distinct changes. Brian is abruptly jolted from a preoccupation with relationships when the pilot dies, but his experience of the wilderness changes again when he finally despairs of rescue. In the last page, very intimately, we see glimmers of the difficulty that Brian will have in rejoining civilisation.

Excerpts

Reviews

  • http://www.allreaders.com/Topics/Info_14268.asp
  • http://www.powells.com/biblio/1-9781416936466-0
  • Amazon – http://www.amazon.com/Hatchet-Gary-Paulsen/dp/0689826990
  • Wikipedia – http://en.wikipedia.org/wiki/Hatchet_(novel)
  • Plot summary in detail – http://www.free-book-summary.com/hatchet.html
  • Suite101 – http://childrensbooks.suite101.com/article.cfm/a_review_of_hatchet

Study guides

Teacher’s resources

Film tie in