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Do your teens understand money? Here are 10 tips to start the conversation – CNBC

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Opinion | In a Post-Covid World, Let's Pay Teachers Six Figures – The New York Times

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Ms. Coleman, a writer and an ed tech strategist, is working on a book about her experiences in K-12 education.
During the Covid-19 pandemic, debates over school closures and student safety grew in an understandable way. But this back and forth left no oxygen for robust conversation about lagging salaries for K-12 educators — an issue that was finally getting the attention it deserved before Covid hit. But now that each week brings more vaccine jabs and more news of school districts fully reopening in the fall, it’s time for this issue to get back in the spotlight.
Covid-19 revealed how teachers — in addition to nurturing, protecting and mentoring our children — are essential to a smoothly running society. It’s time to pay them accordingly. Significant raises can keep more people from ending up like me and countless others: a passionate educator who turned to another line of work largely in response to what I saw as incommensurate pay.
In 2019, Kamala Harris, then a Democratic presidential candidate, said at a rally on the campus of Texas Southern University what teachers sadly know to be true: “We are a nation and a society that pretends to care about education.” In a PDK poll from that year, most educators reported that they don’t want their children to enter the profession. About half of teachers surveyed said they had “seriously considered” quitting. A troubling number follow through.
During her campaign, Ms. Harris proposed something that, if enacted, could reverse this trend and prove we do care about education: federally subsidized $13,500 teacher raises. This would be a sound prescription for our near-term teacher shortage and serve as a long-term investment in our children’s futures, increasing our nation’s lagging productivity.
Ms. Harris’s plan to use federal and state funds to boost educators’ annual salaries to an average of $70,000 or more would be good; getting them to six figures would be even better. After all, entry-level Facebook engineers earn well over $100,000. On average nationally, teachers start at under $40,000. Even veteran teachers still make much less compared to other professionals who need similar levels of education to do their jobs. Isn’t shaping the minds of the future at least as important as building addictive apps?
The RAND Corporation, a research organization, noted in a recent report that several factors influence student performance, including “individual characteristics and family and neighborhood experiences.” Its analysts concluded that “among school-related factors, teachers matter most.” High-quality teachers, they said, can boost student performance on reading and math tests twofold or threefold.
Research collected by the Center for American Progress found that “the teacher labor market is responsive to changes in pay just like other occupations” and that “changes in pay can affect not only teacher attrition, but also the pool of candidates choosing to enroll in teacher preparation programs.” Even the former secretary of education Betsy DeVos — a staunch conservative — recognized that “great teachers” should earn a minimum of $250,000 a year in many cases.
Years ago, when I quit my Wall Street job to teach in the Los Angeles Unified School District, I thought — as the culture has taught us all — that a pay cut was just the cost of following a calling, a reduction taken to do meaningful work. I soon learned I was wrong.
Working in the district, I got grown-up goody baskets from parents, drawings from kids and discounts from Starbucks as tokens of appreciation. (This attitude was exemplified more recently by a Washington Post article this month that, with nothing but good intentions, asked “What kind of gift should we give teachers at the end of this pandemic school year?”) After I left that role because of pay that didn’t make up for the burnout I felt and went to teach in Indonesia, I got those nice gifts, too. But more crucially, I got better working conditions and objective confirmation that my time and expertise were valuable: It came in the form of money. The school paid me like the well-educated professional that I was.
Here in America, although they’re not paid like it, teachers are in high demand. Covid has made what’s known as the broken teacher pipeline worse, but it has been around since long before the pandemic. A large survey conducted in 2020 found that 67 percent of teachers “have or had a second job to make ends meet.”
All of this has led to a reality — which could worsen as we leave the worst of Covid-19 behind — in which there is a stark, declining interest (and little incentive) to pursue teaching as a career.
A 2019 report revealed that fewer college students are studying to become teachers and that because of “low salaries, difficult working conditions and a lack of career pathway opportunities,” teaching generally cannot compete “with other high-status professions such as medicine and law.”
It may be awkward to acknowledge, but it needs to be permissible in polite society to admit that the interplay between money and status — which we all are pressured to navigate — has a role in the teacher pipeline issue.With the cost of living and the price of raising a family higher than ever and rising, who wouldn’t be tempted to find not just your calling but also a higher-paying career? But that’s a choice American society doesn’t have to push educators to make.
According to the Learning Policy Institute, prepandemic, nearly one in 10 American teachers left the classroom every year. Educator sentiments in recent surveys suggest that attrition rates may worsen in the coming months. This educator exodus takes a toll on students and their outcomes. Even before Covid-19, many students lacked permanent teachers, and some districts had resorted to recruiting talent from abroad.
The math, again, is simple: Shortages have gone up because salaries have gone down. The Economic Policy Institute reported that teacher pay, adjusted for inflation, declined from 1996 to 2017.
Teacher deficits and departures hurt students because inexperienced educators often fill the vacancies. But even when children have skilled, veteran instructors, the quality of their education is compromised if these teachers are underpaid.
Working in Los Angeles, I saw how poor compensation affects teacher performance and thus kids’ learning. When the bell rang at 3, my students busted out of the building, but the second part of my day was just beginning. I’d stay after school to help students, grade papers, plan lessons and call parents. Then I’d trek to tutor in beachside homes. This work was much easier than teaching in my crowded classroom, yet I got paid a lot more per hour.
Working in an underresourced school and preparing effective lessons for middle school math, science and history classes — each with over 30 students of varying reading and English abilities — was taxing enough. My perpetual state of exhaustion and money-related stress made it even worse. Academic studies have confirmed that economic burdens, no matter your job, make it harder to perform and excel, decreasing cognitive ability and even temporarily lowering I.Q.
The financial concerns so many teachers face also serve as a tax on their attention. For me, when unanticipated bills appeared, I’d spend a lot of my energy wondering how I would pay them, which sometimes made it hard to stay present with my students.
While the country’s management class has been captivated by the power of wellness practices, researchers at Princeton confirmed that, to some extent, you can buy a baseline of well-being. They concluded that earning at least $75,000 or more annually (in 2010 dollars) stabilized people’s self-reported levels of contentment by making life’s difficulties more manageable. I didn’t realize how true this was until I left California to work in Indonesia.
My new school wanted to attract top talent, so it paid accordingly. Given the fair salary and favorable exchange rate, I lived well. With this new financial freedom, my opinion of teaching improved, and my performance soared. I didn’t mind staying late to plan intricate lessons or help students, because there was no second job I had to run off to.
Most teachers, naturally, wouldn’t move abroad to earn more. And they shouldn’t have to. The Equity Project Charter School (known as TEP) in Manhattan is a model that proves paying educators well pays off. TEP offers middle school teachers a $125,000 annual base and up to $25,000 in bonuses. This approach benefits both teachers and kids: TEP performed in the top 2 percent of about 400 New York City middle schools.
While carrying out that approach nationwide on the backs of local district budgets would be untenable, there is more than enough fiscal room at the federal level to subsidize investment in educators.
And there’s already some evidence at the state and local level that K-12 jobs can be well paid: administrators. Just look at district superintendents’ salaries, which can reach well into six figures. Given all of their responsibilities, they deserve such high pay, and it’s easier to finance because there are fewer of them. But that doesn’t mean teachers deserve less.
The Harris plan, according to a statement released during her presidential campaign, would smartly offset the cost of raising pay “by strengthening the estate tax and cracking down on loopholes that let the very wealthiest, with estates worth multiple millions or billions of dollars, avoid paying their fair share.”
There’s a social factor to consider in this teacher-administrator pay differential. The majority of K-12 teachers, nearly 80 percent, are women. Over 75 percent of superintendents, however, are men. Would we be OK with paying teachers so little if they were mostly male?
Of course, even if we were to raise teachers’ salaries to match those of their district leaders, it’s not the case that all of K-12 education’s problems would disappear. My dissatisfaction and that of many other former teachers extended beyond compensation. Attracting and retaining highly qualified educators will also require, for instance, improvements in working conditions. Meaningful raises are a strong start, though. Competitive salaries would lower attrition rates and attract fresh talent that would push everyone to do better. (Making the market for teaching more attractive may, yes, put job pressure on low-performing teachers, but that’s a good thing for students.)
For many teachers, the extra money would allow them to quit second jobs and give their primary work the attention it needs. It’s past time to match our lofty cross-partisan rhetoric about valuing our children and caring about education. In 2019, during that campaign stop at Texas Southern University, Ms. Harris pithily summed up her attitude about American apathy toward education and educators.
“We’ve got to deal with that,” she declared. She and Joe Biden are in office now. And she’s still right.
Colette Coleman is a writer and an ed tech strategist working on a book about her experiences in K-12 education.
The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.
Follow The New York Times Opinion section on Facebook, Twitter (@NYTopinion) and Instagram.
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How To Take Screenshot On Laptop & Pcs Powered By Windows OS – Gizbot

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Laptops and computers have been making our lives easier since long now. These machines offer a vast area of usage which is not limited to just web browsing or gaming, but also creative work, software development, graphic designing and whatnot. Off late, smartphones have been somewhat replacing the laptops and PCs due to their portability factor.

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How To Take Screenshots On Laptops And PCs

And if you are an ardent smartphone user you must definitely be using the screenshot feature more than often. We bet you might have tried using this feature on laptops or PCs as well where you want to keep a record of an important screen. In this article, we are guiding you with the steps to capture screenshots on Windows-powered laptops and PCs.

How To Take Screenshot On Windows 10 Laptop And PCs
 

How To Take Screenshot On Windows 10 Laptop And PCs

Step 1. Capture screenshot of an entire page using the Print Screen key. The image captured is sent to the clipboard rather than it is saved as an image. You can then paste the image on Paint and crop and resize as per your requirement.

Step 2. Use Windows+ Print Screen. This step also captures an entire page. However, unlike the previous method where the image is sent to the clipboard, it is saved as an image file.

Step 3. Use Alt+ Print Screen Keys. This step will capture a single window and you need to select the browser or any file whose screenshots you need to capture. Similar to the first step, this one also sends the captured image to the clipboard.

Step 4. Access the built-in Snip & Sketch tool using the Win+ Shift+ S keys. This shortcut will provide you with four options to capture a screenshot including Window Snip, Freeform, rectangular, and Fullscreen Snip.

Step 5. Capture an entire page’s screenshot using Win+ Alt+ Print Screen keys. Notably, this command will save the screenshot in the form of an image.

Do note that you can save the captured screenshots on Paint and then edit it as per your requirement. This feature is applicable for all the aforementioned steps.

How To Save Screenshots on Windows And Laptops Using Snippet Tools

How To Save Screenshots on Windows And Laptops Using Snippet Tools

This is one of the most common alternates using which you can capture a screenshot of any page or document on your Windows laptops and PCs. Majority of the devices have this feature inbuilt which you can find from the search option of the taskbar. You simply need to search for Snippet tool in the taskbar’s search field.

And if you are an ardent smartphone user you must definitely be using the screenshot feature more than often. We bet you might have tried using this feature on laptops or PCs as well where you want to keep a record of an important screen. In this article, we are guiding you with the steps to capture screenshots on Windows-powered laptops and PCs.
Step 1. Capture screenshot of an entire page using the Print Screen key. The image captured is sent to the clipboard rather than it is saved as an image. You can then paste the image on Paint and crop and resize as per your requirement.
Step 2. Use Windows+ Print Screen. This step also captures an entire page. However, unlike the previous method where the image is sent to the clipboard, it is saved as an image file.
Step 3. Use Alt+ Print Screen Keys. This step will capture a single window and you need to select the browser or any file whose screenshots you need to capture. Similar to the first step, this one also sends the captured image to the clipboard.
Step 4. Access the built-in Snip & Sketch tool using the Win+ Shift+ S keys. This shortcut will provide you with four options to capture a screenshot including Window Snip, Freeform, rectangular, and Fullscreen Snip.
Step 5. Capture an entire page’s screenshot using Win+ Alt+ Print Screen keys. Notably, this command will save the screenshot in the form of an image.
Do note that you can save the captured screenshots on Paint and then edit it as per your requirement. This feature is applicable for all the aforementioned steps.
This is one of the most common alternates using which you can capture a screenshot of any page or document on your Windows laptops and PCs. Majority of the devices have this feature inbuilt which you can find from the search option of the taskbar. You simply need to search for Snippet tool in the taskbar’s search field.

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How do You Make Money on TikTok? – Small Business Trends

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TikTok the short video sharing platform has taken the internet by storm in recent years. The social media platform for short-form videos that span from fifteen seconds to three minutes has garnered over a billion users and downloaded over 200 times in the US alone. Tik Tok content creators often use their smartphones to create and share popular short videos that include dancing, comedy, and education, and more. This has opened up opportunities for businesses to collaborate with content creators to transform their brands and reach out and engage with customers. Below are some great ways where content creators are making money on Tik Tok.


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Can You Earn Money on TikTok?

There are many ways where you can make real money as a Tik Tok influencer. besides creating content there are many options where you as a TikTok user can make some serious money.

12 Amazing Ways to Make Money from Your TikTok Account

Social media channels offer great monetization opportunities, if you are asking how do you make money on TikTok, there are many ways on how to use TikTok for business here is how you can do it.

1. Join the TikTok Creator Fund

TikTok’s Creator Fund rewards creators for creating engaging and popular videos on the platform for the number of views they get on their videos. To participate in TikTok’s creator fund scheme you will need to be 18 years of age or older, be a legal resident of one of the 50 states; meet a minimum following threshold of 10,0000 authentic followers; have at least 100,000 authentic video views in the last 30 days; and post original videos in line with TikTok’s community guidelines.

2 Sell Merchandise to TikTok Users

One of the great perks of being a social media influencer is you can also use your popularity for selling merchandise. As part of your influencer marketing strategy, you can use your platform to sell artistic works, t-shirts, clothing lines, memorabilia, and other merchandise to your followers.

3. Create Sponsored Content

Another way to generate some revenues through your TikTok channel is through sponsored posts. As a social media influencer, you can partner with brands and create sponsored posts to help promote products and services.



4. Make Money from TikTok Ads

TikTok ads offer good opportunities for businesses to widen their reach among customers. You can start making money through TikTok For Business by using in-feed video ads, branded Hashtags, brand takeovers, and branded effects to help you capture some good ad revenues.

5. Accept Virtual Gifts

TikTok users can purchase gifts and coins from their profiles. They can then gift their virtual gifts and coin payments to their favorite TikTok creators during live TikTok videos where creators in return can then cash them in and get real money.

6. Grow and Sell TikTok Accounts

Sometimes businesses would like to have a presence on TikTok but don’t know how to go about it. You can help them out by organically growing followers along a particular niche selling TikTok accounts on sites like 123accs, Accfarm, and Fameswap. If you plan on creating a side hustle by flipping TikTok accounts, you will need to build a strong content strategy, engage with followers regularly, and publish regular content to boost engagement.

7. Manage influencer campaigns

You can also manage influencer campaigns by acting as a middleman between a TikTok creator and a brand. As an influencer campaign, you help businesses connect with TikTok influencers and make sure key campaign activities are accomplished in return for a fee.


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8. Management services

You can also make money from TikTok by offering management services for creators. Here you can render your services by helping them with a content strategy such as meeting content production goals, capitalizing on offers, and helping them grow their following.

9. Place affiliate links

You can also opt to participate in affiliate programs by placing links on your TikTok post descriptions or even your bio channel to generate some money.

10. Promote music track

You can use your TikTok to help promote music tracks by incorporating them in your videos and get paid for them.

11. Become a brand ambassador

Brands are always looking for influencers that can help them steer customers towards their products and services. As a brand ambassador, you help brands boost their presence on social media, spread positive messages about, and influence consumer sales. In addition to getting paid you as a brand ambassador not only get paid but also get to expand your professional network as well.


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12. Join TikTok’s Creator Marketplace

You can join TikTok’s Creator Marketplace to work with sponsors and brands and all you have to is mention their product or service in your videos. To be eligible you will need to have at least a hundred thousand followers TikTok’s Creator Marketplace comes with an analytics tool for businesses that helps them identify your engagement reach, views, and demographics.

How to Make More Money with TikTok Videos

Now that you know some of the ways you can make some serious bank with TikTok here are some tips on how to make more money with TikTok videos.
Create, create: Your success will rely on your ability to upload consistent content regularly. You will need to continuously create compelling content for your followers to continue to like, share and encourage others to start following you.
Nurture a huge following: Just like other social networks, the secret to your success lies in how many followers you are able to garner. You will need to get as many followers as possible, and this requires that you regularly upload videos. The more followers you have would mean the more influence you will have on TikTok.


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Engage with your audience: As a TikTok influencer besides generating the content, you will also need to actively interact with your followers. This means you will need to listen to them, produce content they seek, answer queries and produce live streams.
Promote your content on other social media platforms: You can help improve your chances of discoverability and engagement by opting to promote your TikTok channel on other platforms such as Instagram, Facebook, or YouTube.

Look to create multiple income streams from your account: To really generate some good income look towards expanding the revenue streams available to you. This will not only help you diversify your income but also increase your network and opportunities to make more money.

How many views do you need to get paid by TikTok?

To start earning money directly from TikTok, you must be 18 years or older, have at least 10,000 followers, and have accumulated at least 100,000 video views in the last 30 days.


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How much money do TikTokers make?

TikTokers with large followings can make anywhere between $ 200 to $ 5,000 a month, depending on the size of their following. The amount of money TikTokers make will vary due to many factors, including localities, million followers and views. Creators who make videos that include dance and music often get the highest engagement and revenues in millions of dollars. For example, 19-year-old TikToker Josh Richards has earned over a million dollars through sponsorship deals with Reebok and Houseparty.
Image: Depositphotos


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