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Esther Wojcicki | Moonshots in Education | Singularity University - Duration: 17:52.

(music)

- Welcome back everyone, I'm Alison Berman.

Right now I'm here with Esther Wojcicki.

Esther is revolutionizing education.

She is a founder of the Palo Alto High Media Center

as well as a distinguished scholar at Stanford's mediaX.

She's also a California teacher of the year

and MacArthur fellow and recently,

a Singularity University faculty.

Esther, welcome.

- Oh, thank you so much, I'm so happy to be here.

- It's great to be here, we're talking about

a super important subject matter.

- Yes, education is my passion.

- It's a huge passion of mine as well.

So, you wrote a book about moonshots in education,

can you explain to me, what is a moonshot in education?

- A moonshot is something that is really hard to do,

but very important, and we have to do it.

And so, just like the moonshot in 1961 with JFK,

was tough to get to the moon,

but we did it, and it was important.

We have to do a moonshot in education because we have to

change the way education is delivered,

and it's important, it's hard to do, but we're gonna do it.

- And is there a moonshot in education

that you're currently working towards?

- Yes, the moonshot in education I'm working towards

is to change the teacher's view of their role

in the classroom.

So, how teachers see themselves in the classroom,

and to change the community's view

of the role of the teacher.

So, I'd like the teacher to see themselves as a coach

part of the time, not all of the time

but at least part of the time,

and I'd like the community to support teachers that do that.

That's very important for the community to be supportive

of teachers and appreciate them.

- Absolutely.

And teacher as a coach, what unique value does this add?

- So, what this adds primarily is when a student

is working on a project, or working on something

that is real and connected to the real world,

then the teacher coaches them, they support them.

They allow them to work on this project.

So, for example, in social studies for example,

they could be doing some kind of a newspaper

or magazine about how the historical period

they're studying relates to the world today.

And then they can easily make a magazine on that,

and then learn collaborative skills at the same time,

learn how to write at the same time,

get recognition from the public as well,

and it's a great opportunity.

They can post it on this website called Issuu,

I-S-S-U-U, for free, it doesn't cost anything.

Actually, Issuu's even gonna assign,

have a special section for schools,

magazines, and publications.

So, that's one way that social studies,

science can do something like that,

they can write up the science ideas

that they're writing, talking about.

In math, they can create an app.

And with the app inventors on the MIT website, it's free.

So, I think that kids need to be empowered,

and the way they're empowered is by working in groups,

feeling good about themselves, and doing things.

Not just listening to somebody tell them about it.

Actually doing it.

- Learning by doing and experiential learning.

- Experiential learning, personalized experiential learning,

and so, the personalization is they take the whole world,

they get the whole world to figure out

what they're interested in doing.

And not just what we consider today personalized learning,

which is, you know, personalized means you get to pick

between story A, B, C, or D, and you get to pick

the grade level, whether it's, you know,

third grade, sixth grade, ninth grade, 12th grade,

personalized means you actually get to,

your pallette is the world,

you get to pick what's interesting to you to do.

- And I've heard you say that you are driven by the idea

of inspiring students to create their own futures,

and empower them to build their own futures.

Can you talk to me more about this idea

and how we can help realize this?

- So, you know, it's kind of interesting,

by the time they're in the ninth or 10th grade,

kids lose a lot of their creativity

because the main thing they're worried about

is getting an A.

- Yeah.

- And so, they wanna conform because that's what the system

teaches them to do, is to conform,

and they get rewarded for getting that A grade,

and then they think they're gonna get into the college

of their choice.

So, creativity comes when you are doing something

that you actually think of, and it doesn't necessarily

have to get an A grade, in other words,

it's a project you think about,

and that leads to, when you think about what you wanna do,

that leads to your passion.

Your passion could be, you know, researching gorillas,

or it could be like, the impact of tattoos on your body,

or it can, I don't, you know, I don't really care

what they do, I just want them to do what the care about.

- And have that creativity ignited.

- That creativity ignites the passion and the interest,

and then they have that forever,

they have that for the rest of their lives,

because then they know what they really care about.

And maybe, you know, it could be art, could be music,

could be decorating, I mean, really, every,

just think about little kids.

You never have to ask them what their passion is,

they just do it.

- They do everything.

- They don't, grades?

They never heard about it, what's that, you know?

- Right.

- And they only get, in middle, in elementary school,

they gradually get pushed into the box,

and then they worry about making sure it's right.

- And how do you think we can stop making the classrooms

a place that kills creativity?

We know we have to foster creativity in the classroom,

but the system keeps encouraging creativity

to be killed in the classroom.

- Well, I think one way that we can do it

is to set this culture in American schools,

or maybe worldwide schools, where at least 20%

of every class should be devoted to a project.

Every class.

And if their school wants to do it for a whole day,

that's one thing, or if the teacher wants to regulate it,

it's okay, but their teachers have to be supportive

in this effort.

And the main thing that anybody, any adult remembers

about a class they had in elementary school, high school,

they really don't remember what they learned.

Sometimes they go back and it's like, God,

what did I do in that class?

But what they always remember

is how that teacher made them feel.

- [Alison] Absolutely.

- And so, you want the kids to feel empowered in your class.

They wanna remember it as a positive feeling

where they can do it, whatever it is.

And you might forget the math you learned,

but you can always go back and look it up

if you feel empowered and happy about it.

- Yeah, when you leave students empowered,

I think they're able to take risks,

and they're able to also feel empowered to take initiative,

and initiative in their own learning,

I think maybe that's really the goal,

that you wants students feeling empowered to be

a leader in their own learning.

- Yes, you want students to take the initiative.

So, I can give you an example.

- I'd love that. - You want one?

- Yeah. - So, just a few weeks ago,

I worked with a guy named Freedom Cheteni at Stanford,

he is an instructor there,

and there's a course on computer science

and design thinking.

So, I came in on day one to give a talk to the kids,

he invited me, and what was interesting is I gave this talk,

and I talked to the kid about my philosophy,

and how they should be empowered,

and do stuff that they care about,

and you know, work on projects they care about,

and then Freedom supported that.

He's like, you can do a moonshot project,

do whatever you want.

Anyway, the kids loved it.

And on day one, they were like, so excited about this,

and they decided that they wanted to do a magazine.

And I was like, oh, that sounds like a good idea,

and then they're like, I think we wanna

publish the magazine.

So, like, well, we only have like,

not a very short, long time, so I was like,

well, how about if we just publish the magazine online.

And so, just to make a long story short,

'cause I can take up a long time with this,

in three weeks, these kids who never knew each other,

from 25, 25 kids from different places in the world,

created a beautiful magazine, it's online,

website, it's also online. And they put themselves together,

they did it themselves in groups, and created apps

which they are now selling on the Google Play store.

- That is incredible.

- In three weeks, and this was just

because they all felt empowered.

- Yes.

- And I basically said to them, if it doesn't work,

well, we'll just do it again, you know?

Or, if you do something, you don't like it,

well, let's try another attack,

but it doesn't matter, you know?

You can, so they felt completely empowered.

- Yeah.

- And that's why they did all these things,

and needless to say, I'm very proud of them.

- You should be.

- I gave a talk in Idaho and I used them as an example.

I mean, it was pretty incredible.

And now we're in touch on the WhatsApp app.

- That's great.

(chuckling)

I think it's amazing what students can accomplish

when they really feel a connection to it.

I was working on a journalistic project

with high school students, and at first,

I was teaching them, how do you do an interview like this,

and the students were like, that is the most awkward thing,

there's no way I can interview, you want me to talk

to a stranger, ask them about their life,

and then by the end the students were like, no, no,

I've got this one, and they wanted to,

and they wanted to be photographing them,

and they were coming alive in a new discipline.

- Right.

So, one of the hardest things for kids to do, all kids,

is to interview someone else.

And so, you wanna teach them that, let them do it.

And that's what I teach in the journalism program,

and my colleagues do the same thing.

So, our first assignment that the kids do are interviews.

They have to interview 30 other people, 30,

that they don't know, about a question

that they compose themselves.

So, first they have to think of the question,

then they have to do these interviews.

I can tell you, at the end of 30 interviews,

they can do it, they can talk to anyone.

- [Alison] I am sure.

- They're great.

But nobody ever asks them to do that.

- [Alison] Right.

- You know, in your typical English class,

or social studies, or math class,

you're just sitting there, listening to a lecture,

taking notes, reading the book, and then taking the test.

- Yeah.

- And so, where it is that, where do the important skills

for the 21st century come in?

- Yeah.

- And so, that's why I suggest, you know,

having a project in those classes so kids are learning

to collaborate, to think critically,

to communicate effectively, and to have...

- And these are some of the most important skills

of the 21st century, right?

- This is, everybody wants kids

that can do all those things, be creative,

they're called the three C's, the four C's.

So, the more they can do these things,

the happier lives they'll lead,

the more productive lives they'll lead,

and it's just more useful for society as a whole.

- Absolutely.

- Anyway, that's my goal.

(chuckling)

- It's a very incredible goal, and in your own life,

did you have a specific experience that inspired you

to go after this goal, maybe a teacher,

or reading something that inspired you?

What clicked this drive?

- Well, I think the main thing that ignited this drive

is that my parents were, are immigrants,

and they didn't speak English very well,

and so I grew up very poor, my father was an artist.

And so, we had some very difficult times without enough,

I mean, I guess we probably would be classified

as food stamp people now, but they didn't have

food stamp people then.

And I just decided at the age of 10 that I was going to

live a different life.

I did not want to live like this.

And the only way that I thought I could get out of this

was education, and I don't know who

gave me that idea, but then I realized

that people that had degrees seemed to earn more money,

you know, I was just a little kid.

And so, I became, I'm like, I'm gonna go to college.

And even though I didn't have any,

I had no resources to go to college,

but I said, I'm gonna go to college,

and fortunately, I got a scholarship,

which was very helpful, and then also,

I worked at some jobs, I worked while

I was going to college.

I actually worked as a journalist, as a reporter,

I was paid very little, but it worth it to me,

I was paid three cents a word, if you can believe that.

- Wow, that is hard to believe.

- Great, I was writing a lot of stuff, you can imagine.

And, but that was, you know, I was motivated,

and then it paid off.

- Yeah.

- Because you know, then, well, I graduated from college,

actually, early, in three years, 'cause I was so,

I wanted to get out because I had to earn money, I was poor.

- Yeah.

- And it worked really well, and then I got a job, you know?

And then I didn't have to live the poor life.

- It's interesting when you say that you, you know,

'cause I've heard you say on stage that you wanna inspire

and empower students to create their own futures,

and that's what you did, so.

- That's what I did, right.

And it worked for me, and I wanna help other students

do the same thing, not just, I mean,

they can all do it, and they all have the ability,

it's just a very rare individual that can't do it.

You don't necessarily have to go to college

if you go to some kind of a vocational school,

you can go to a tech school, you can learn to code,

you know, there's so many things, but do something

you care about, you know, maybe it's landscaping, you know?

Or being a forester, forest ranger,

or you know, whatever you wanna do, I think,

is what you should do.

You should be empowered to do that.

And so, I have a lot of students that have succeeded

in many areas, and some of them didn't become journalists,

as a matter of fact, most of them didn't.

One of my, probably my most famous student was James Franco,

the movie, the actor.

He is amazing, and he's been empowered to do

what is important to him.

- Right.

- And that means, you know, it can be an actor,

he's a director, he also is an artist,

I don't know if you know that.

- I didn't know that.

- Yeah, he painted some amazing canvases

for Palo Alto high School Media Arts Center,

they're beautiful canvases, yeah, you would never know

he's a great artist.

But I think one thing that's great is that

he's doing something he is happy about.

- [Alison] Right.

- And you know, I have other students that are doing

a lot of things that, you know,

they might be entrepreneurs, or venture capitalists,

or teachers, or doctors, but what matters

is that they wanna do it.

- [Alison] Yes.

- And that, you know, they know what it takes to do that,

and they are doing it.

And, because teaching, for me, it's hard.

It's a lot of work.

And I could easily have retired years ago,

as you probably could guess, but I'm still doing it

because it's so exciting for me to be with these students.

- It speaks from you.

- It's, right, it's just, every time I go to school,

I mean, I get happy.

And it's really, it's nice to be with students who are,

they're exciting to be with.

And then I like my colleagues, I like,

I think the faculty at Palo Alto High School is great,

and I feel lucky to have, you know, this experience.

I don't think there's anything more rewarding

than having a positive impact on someone's life.

- I don't think so either.

- And so, that's what it is when you're a teacher

and you really care.

- That's wonderful, well, I hope that from

this conversation, anyone viewing who has considered

going into education, this gives you a bit more inspiration

to go down that path. (electronic music)

Esther, thank you so much.

For more infomation >> Esther Wojcicki | Moonshots in Education | Singularity University - Duration: 17:52.

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Education reform In DC (Part 2) - interview with Kaya Henderson | VIEWPOINT - Duration: 14:57.

Rick: Hey, everyone.

This is part two of our discussion with former D.C.

Schools Chancellor, Kaya Henderson.

It picks up right where we left off in part number one.

Welcome back.

You know, one of the things that obviously superintendents wrestle with all the time

are some of the fault lines in communities.

D.C. certainly have these, racial divisions, but especially also neighborhood and community

divisions.

In D.C, it's the river.

Talk a little bit about how you try to work with all the different parts of the community...

Kaya: Yeah.

Rick: As a Chancellor, is there anything you learned about how to try to address these

concerns, listen to these folks, kind of lead more effectively?

Kaya: Yeah.

I think the hardest part of my job as Chancellor was managing these very different communities

who all had...who all loved their kids, who all want what's best for their kids, who all

have different ways of getting there.

And who all care about one another in varying degrees, or not.

And, recognizing that I was the Chancellor for everybody.

One of the things that Michelle Rhee and Adrian Fenty, who was Mayor at the time...

They had a belief that if we could get the wealthier folks on the Western side of town

to buy back into the school district, that that would attract everybody else, right?

And so you saw lots more building modernizations in the Western...Upper Northwest.

You saw lots more investment there and it was kind of a trickle down approach to school

reform.

And what I found or realized was that families East of the river who were in most dire need

and who we had failed over and over and over again and who didn't really have other options,

they were...the trickle was not fast enough.

And that we owed them as much as we owed the folks that we were trying to get to come back

from private schools or from Montgomery County.

And so, you know, I think I tried to be evenhanded, recognizing that some folks had gotten a lot

and other folks hadn't.

I really wanted to prioritize our most vulnerable kids and I felt like it was easy to make the

case for that.

But even communities in the middle, they needed to feel like I was their Chancellor and I

was looking out for their kids as well.

And so if there was a new program that we were instituting, we might concentrate really

heavily on wards 7 and 8, but also make sure that other wards got a piece of the pie.

It also meant saying to some of the wealthier communities, "It's your turn to take a seat

now, right?

Like you've gotten a lot."

And I think when you sit down and talk to people...like another big lesson that I learned

was around engagement, right.

When you sit down and talk to people, most people are reasonable.

And when you explain sort of the trade-offs that you're making...because, as a superintendent,

you are always making trade-offs.

You can never make everybody happy.

And so the question is, "How do you make the least people as least upset as possible?"

But I mean, literally...and I'd take the boundary and feeder pattern process that we went through,

you know, if...or school closings easier, right?

If I'd just close schools, everybody's mad at me.

When I give you all the data and say, "How should we do this?"

And people look and say, "Wait a minute, you're spending $17,000 at this school and $6,000

at another school?

That's not right."

"Okay, well, which one should we close?"

"Well, you can't close that because..."

When people start to have to wrestle with the same kinds of conundrums that I had to

wrestle with, then they get a little sympathy and they're like, "Oh, this is hard, right?"

You're like, "Well, then you tell me which schools we should close."

And that way it's not Kaya Henderson closing schools.

We make the decision jointly.

And when we made the decision jointly, right, people...it was the same year.

I closed 13 schools the same year that they closed 50 in Chicago and 20-something in Philadelphia.

Where in Chicago it brought a teacher-strike, where in Philadelphia people were chaining

themselves to the superintendents' doors.

And here, we had no problems whatsoever because we had engaged with our constituents and they

had to wrestle with the same problems that we wrestled with.

Rick: You know, one of the initiatives I remember you pushing was...I think at elementary, you

said you were gonna have an art teacher in every...

Kaya: Art, music, P.E, foreign language, and library for every...

Rick: Now talk about that a bit, because I think some folks think well, "Geez, wait a

minute!

Reading and math isn't where we want it to be anywhere.

On the contrary, how can we afford to put dollars into art, librarians, these things,

when we're not taking care of business?"

Kaya: So, the biggest...I think my biggest perspective or my most useful perspective

as superintendent was parent, right.

And, you know, I'm an upper middle-class parent who wants what's best for my kid, just like

upper middle-class and wealthy parents want what's best for their kids.

Well, if your kid is a struggling reader, right, you get him help, right?

You get him or her tutoring or you go to Kumon or you do whatever, but you don't say, "You

can't go on the family trip to France this summer," or, "We're gonna stop your piano

lessons," or, "You can't play football."

Right?

And, effectively, that's what we were telling kids who were struggling.

When wealthy people understand that all of those activities and all of those enrichment

things actually help kids learn.

And so, if you look at the research...I mean if you wanna go purely academic, you can look

at the research between the confluence of music and math, right?

And, I mean there are lots of studies that link the arts to academic development.

But more than that, our job is not just to turn out people who can read and do math.

Our job is to turn out citizens who are whole and ready for society.

And that means that kids, especially kids who wouldn't otherwise get these things at

home, need to experience these things at school.

And so, for me, it was not cool that on some sides of town PTAs thought that foreign language

in the early grades was really important and so they paid for it, right, when on the other

side of town, that wasn't even an option.

We said, "What do we want for our own children?

We're gonna set that as a floor for every kid in D.C. public schools."

And then if PTAs wanna build above the floor, perfect.

I'm good with that.

But we know that early language development happens in elementary school.

And so to start kids in foreign language at 7th or 8th grade is creating an achievement

gap.

And I was unapologetic about making sure that those kinds of enrichment activities, that

field trips, that international trips, that everything that I wanted for my kid, which

is to play an instrument, to excel at a sport, to speak a foreign language, to be a digital

native, oh, yeah, and to read and do math, right.

I wanna make sure that that was in place for all of the children at...

Rick: Well, what kind of reaction did that get from the community?

Kaya: It was met with widespread celebration and acclaim, especially for families east

of the river who watched these programs leaving their neighborhoods and going west of the

park.

And they also saw families leaving their own communities to be able to take advantage of

that.

You shouldn't have to leave your community to get what I think are the basics in education.

Rick: You know, it's funny because one of the things that does too is it gets us beyond

these conversations we've been having in recent years of just focusing on closing gaps, in

which we're talking about some folks not...it's not only you're talking about every family

and every...

Kaya: No, this is for everybody.

That's right.

I want...I was the Chancellor for 50,000 kids and I need my kids who are high performers...I

mean one of our big goals was to improve test scores but also to double the number of kids

who were advanced because not okay to just bring up the low performers.

I owe those high performers more acceleration and enrichment.

And I think that, you know, a lot of times people miss the point that like, you know,

we...districts, at least, have to please everybody.

We have to work for everybody.

Other people get to be boutiquey, right?

But we're Target.

We sell water hoses and we sell, you know, food.

We sell clothes and we sell houseware's like...and we've gotta do it well for everybody.

Rick: So last question.

As you work with...you know, you're mentoring superintendents nowadays, you're mentoring

entrepreneurs.

Are there a couple pieces of advice you find yourself kind of routinely sharing, repeatedly

going back to?

Kaya: Yeah.

I feel like I'm a little bit of a drum major for justice around family engagement...family

and community engagement.

I think lots of times in our field, as educators, we feel like we're the experts.

And we tell parents, "Just drop kids off, you know, in pre-k, and we'll give them back

to you in 12th grade and it'll be all good because we have degrees, and we've gone to

school," and things like that.

And when you really engage parents and community members, things don't go as quickly as you

want them to go.

And sometimes they are messy and sometimes they are contentious and all of that.

And, you know, we want what we want, how we want it, now.

And we fail miserably to engage families and communities and often take waves.

And so, the single biggest piece of advice that I find myself giving to lots of people

is how to effectively engage families and communities.

People get now...I think we've had somewhat an epiphany in our field, that parents are

important.

But we need to do it in a more authentic and engaging way that gives them a real seat at

the table and not in a perfunctory way.

And so people are...

Rick: How do you know if you're doing it the one way versus the other?

Kaya: Well, I mean, it's fairly easy.

If you're telling parents what's going on and there is no sort of way for parents to

tell you what they want, then, it's a problem.

If you are, you know, putting people out in front of the community just to get your agenda

through, you're not doing it the right way.

If parents actually...and community members actually can help drive decision-making in

ways if there are bodies set up, if there are, you know, opportunities and vehicles

for people to engage.

And, frankly, you can ask people like, "Do you feel like we're meaningfully engaging

you?"

And reasonable people will say, "Actually, yeah.

You know what, you have gone out of your way to ask us what we think about this and to

let us weigh in."

And I think we've gotta get...when you do that, like, the results, one, they just stick

better.

The results actually ultimately come faster, even if the process was a little slower.

It just...the payoff is so huge and I feel like I'm helping people understand that, and

how to do it.

Rick: So...and on that, I mean, right, there's...forever, we've had these communities with these processes.

Clevelands of the world have had hundreds of community leaders and people sit down,

and there's long conferences and the schools don't actually seem to get better, So, how

do you do this in a real, kinda meaningful way where you're not finding yourself sitting

around long, boring tables hour after hour?

Kaya: Yeah, I sat around a lot of long, boring tables until we thought differently about

parent engagement, right.

And we asked ourselves, "We're all busy parents.

We work all day every day.

Like, what do parents care most about?"

They care about helping their individual kid do well in school, right?

And so if we ask parents, if we are specific with parents, right...and this sort of comes

out of my experience, at the time I had a first grader and the teacher was saying, you

know, "Read for 20 minutes at night with your first grader."

Question.

Read what?

I was a middle school's math teacher.

I don't know what a first grade book is versus a third grade book or whatever.

What do you want me to read?

Is he reading to me?

Am I reading to him?

Are we reading together?

Like, well, I need some specific direction.

And we always ask parents to help without being specific.

And so, parents care about helping their kids.

Let's give them specific ways that they can help their kids excel, and let's show them

how their help is actually helping their kids progress.

The second thing parents care about is their kid's school, and so parents will do anything

to support their kid's school.

Again, you must be specific about how they could help the school.

Not in a bakesale-y kinda way, but like, with real issues.

If the principal is grappling with issues, you have parents who may be expert in those

issues or who may just be willing to put extra hands and boots on the ground, engage their

parents in meaningful work at a school.

And then, thirdly, maybe, some set of parents cares about what's happening in the district.

And so, we should create opportunities for those parents who want to engage in that way

to engage, but we shouldn't expect that everybody will or want to...wants to.

And so we revamped our approach to family and community engagement, first concentrating

on the parent.

And who do parents wanna talk to most?

Teachers.

And so teachers became the front line of that level of engagement and then principals became

the second line of engagement and the district became third.

And that was a complete inverse to how we have been approaching family engagement before.

Rick: That's fantastic.

Kaya, any last words of wisdom?

Kaya: Yes.

I think, you know, for young reformers who want to change the world, I wanna remind them

that I've been working in the education reform space for 25 years.

And I feel really...I've worked really hard.

And I feel really proud of a lot of the work that we've done.

But what is still tremendously elusive is quality at scale.

We have not figured out.

None of us have.

Districts haven't.

Charters haven't.

Private schools haven't.

None of us have figured out how to ensure that every single kid, no matter who they

are, that hits our door, gets a high-quality education.

And so I want us to have an appropriate amount of humility about this work, because it's

not gonna...if it hasn't changed that much in 25 years, I'm worried about how much longer

it will take to get to where we need to go.

It doesn't mean we should stop working because we've got kids sitting in front of us, but

it means that we've got to start thinking about very different ways to get more kids

to a higher level of education.

Rick: Beautifully said.

Thank you so much.

Kaya: Thank you.

Always a pleasure.

Rick: Hey, everyone.

That's the end of our discussion with former D.C.

Schools Chancellor, Kaya Henderson.

Thanks for watching.

As always, let us know what other topics you'd like AEI Scholars to cover on VIEWPOINT, and

be sure to check out the rest of our video and research from AEI.

For more infomation >> Education reform In DC (Part 2) - interview with Kaya Henderson | VIEWPOINT - Duration: 14:57.

-------------------------------------------

Explore Windows 10 in education: Innovations for deploying and using in schools - Duration: 1:14:18.

For more infomation >> Explore Windows 10 in education: Innovations for deploying and using in schools - Duration: 1:14:18.

-------------------------------------------

Education Strategy Team (EST): Call for Committee Members - Duration: 3:10.

Hello, I'm Jennifer Axelrod, the recently appointed chairperson of the IAD Education Strategy Team (EST).

We're currently looking for people to join our team, including parents and educators of Deaf children, educational interpreters, administrators, support staff

and individuals who are knowledgeable of educational laws, language acquisition experts, as well as individuals who have an interest in getting involved.

If you're interested, please contact me. We need a good committee. As you know, deaf education in Illinois has its challenges and struggles for various reasons,

including low reading and writing levels, as well as issues with language acquisition and not being ready for kindergarten.

Simply put, there's a wide range of issues. There's also the differences of mainstreaming and educating children at a school for the deaf.

The goals for the committee include collecting data regarding deaf education in Illinois for IAD's legislative committee (with the intent of potentially introducing new legislation),

identifying ways to promote the need for langauge acquisition, including ASL instruction, in early intervention, and presenting and collaborating with other organizations

to educate about education, including how to teach our deaf children. We can present at conferences like ITDHH on language acquisition, teaching strategies,

and bicultural and bilingual approaches. These are a few of the goals for the EST. Please reach out if you have any

questions, concerns or interest in joining. I can be reached at jaxelrod@iadeaf.org. Take care!

For more infomation >> Education Strategy Team (EST): Call for Committee Members - Duration: 3:10.

-------------------------------------------

Free Financial Education Workshops - Duration: 4:43.

For more infomation >> Free Financial Education Workshops - Duration: 4:43.

-------------------------------------------

Why Teaching: Buffalo State's Exceptional Education Programs - Duration: 1:32.

(((Music)))

(Dr. Shannon Budin) Students typically enter our program because they want to become teachers, so they want to become

special ed. teachers primarily.

Our department has a degree that is going to make students

very marketable. Part of the reason is because you're going to walk out with two

certifications. So you walk out of here with a special education certification

but also a general education certification.

(Mareen Remus) There are jobs, there are jobs out there for sure.

(Ikhia Moore) Everybody knows that, special ed. at Buff State - you're golden!

I don't like to say "kill two birds with one stone" but pretty much that's what I did.

It was a lot of work, because you're doing two things at one time, but it's great!

(Dr. Tim Zgliczynski) And that's a key thing that you don't get anywhere else.

(Dr. Shannon Budin) Until recently we've had a lot of people with

teaching certifications and not enough jobs - That's starting to change.

(Maureen Remus) The first day at my first placement, the principal

said, "oh you're special ed. and you have a concentration in math, well...

I have a job for you." (((laughter))) So that was the first day!

(Dr. Shannon Budin) And infact we have a lot of other states around the country

who are even coming to recruit our students.

(Dr. Tim Zgliczynski) We are finding now that most of the jobs that are out there are now special education because we see an increase in that population in our schools.

It's a very, very valuable asset to have.

(((Music)))

For more infomation >> Why Teaching: Buffalo State's Exceptional Education Programs - Duration: 1:32.

-------------------------------------------

Cartoons for Children😃Parts for Plants for Kids 1st Grade. Science Education Videos for Children - Duration: 3:28.

Cartoons for Children😃Parts for Plants for Kids 1st Grade. Science Education Videos for Children

For more infomation >> Cartoons for Children😃Parts for Plants for Kids 1st Grade. Science Education Videos for Children - Duration: 3:28.

-------------------------------------------

Prof. Johannes Lindner, Fachbereichsleiter für Entrepreneurship Education KPH Wien/Krems - Duration: 1:48.

For more infomation >> Prof. Johannes Lindner, Fachbereichsleiter für Entrepreneurship Education KPH Wien/Krems - Duration: 1:48.

-------------------------------------------

Special Education: Buffalo State's Exceptional Education Programs - Duration: 5:04.

Music

Buffalo State

is

Teacher Education

Well it's Buff State, so it's the school for teachers.

I had always heard that Buffalo State is the place to go if you want to teach.

Everyone knows if you want to be a teacher, you want to be a good teacher, you come to Buff State.

Nationally Known for their Exceptional Education Program

(Dr. Shannon Budin) There's over twelve programs in Western New York that have Education Programs.

But what makes Buffalo State special is that we're a legacy. This program..

This special education department was one of the first in the country,

it was also one of the largest in our country, and we're still known for having

an excellent special education program.

(((music))) What is Exceptional Education?

(Dr. Lawrence Maheady) Exceptional Education is a different term to begin with.

Most places that prepare teachers to work with

exceptional individuals call their program special education,

When you say special education to future teachers and even to most

laypersons, um, they think students with disabilities.

But if you look at the field exceptional education really deals with

both ends of the normal curve, not only students with disabilities,

who struggle but also kids with exceptional gifts and talents.

(((music))) Exceptional Education Gives You the Teaching Edge

(Dr. Shannon Budin) Our department has a degree that is going make students very marketable.

Part of the reason is because you're going to walk out two certifications.

So you walk outta here with a special education certification but also a general education certification.

(((music))) (Dr. Tim Zgliczynski) And the district that ended up

hiring me, put me through about 4 months of interviews, which is standard procedure.

And when I finally got to the final interview the superintendent, he goes "well you got

all the special ed training but you got this general education certification...

what are you?" And after 4 months of interviewing I was a little tired,

so I said "Sir, I'm the complete package."

(((MUSIC))) Exceptional Education Prepares You To Be Successful.

(Christine Garas) Buffalo State gets you into the

classroom a lot earlier than most other colleges do.

(Ikhia Moore) You just don't sit, like in your lecture hall and you learn about it, you actually go do it.

(Dr. Shannon Budin) They get classroom experience right from the start.

Pretty much from their second semester on right through student teaching

Constantly with real kids in real classrooms.

(Christine Garas) That is extremely helpful especially with people who may not know if teaching

is for them, they are able to see that right away.

I feel very well prepared, like even thought this is my, this is my first year teaching,

I don't feel like I'm like...lost.

Buffalo State offers a ton of diversity and the different schools that you can go into

do your placements at.

(Dr. Shannon Budin) It's sort of unique at Buffalo State. We're constantly

interacting and working with the teachers. They're constantly aware

of what our students need to be successful in the classroom.

(((MUSIC))) PROFESSORS ARE LEADERS IN THEIR FIELD OF STUDY

(Christine Garas) Buffalo State knows what it's doing and the professors really prove that.

(Ikhia Moore) Now that I'm teaching right now, I can always go back and ask questions, and for the most part,

they know all the answers.

(Maureen Remus) Every single professor I've had in my undergrad and graduate program here for exceptional ed,

has been fantastic. (Dr. Shannon Budin) our faculty travel to conferences

around the world and we can always run into an expert in the field

who has a tie to Buffalo State. We're well respected

and we're sought after. (((music)))

EXCEPTIONAL EDUCATION STUDENTS ARE IN DEMAND.

(Dr. Tim Zgliczynski) We are finding now that most of the jobs that are out there are now special education because we see an increase in that population in our schools.

(Dr. Shannon Budin) And infact we have a lot of other states around the country

who are even coming to recruit our students, so it's not just in Western New York

but actually nation wide, our students are highly sought after.

(Maureen Remus) The first day at my first placement, the principal

said, "oh you're special ed. and you have a concentration in math, well...

I have a job for you." (((laughter))) So that was the first day!

(Christine Garas) I think even when it comes to looking for a job, I'll be a little more marketable.

Because they will see that I'm certified in both

special ed and regular education. It's definitely

a great advantage of the program.

Buff State's great! Come. You can be the best you can be...

(((Music)))

For more info go to: exceptionaleducation.buffalostate.edu

(((music)))

For more infomation >> Special Education: Buffalo State's Exceptional Education Programs - Duration: 5:04.

-------------------------------------------

Education for Clinicians Intro - Duration: 0:23.

Our education site has a wealth of information and tools that you should be

able to use in your facility to educate providers about pain assessment and

management. There are PowerPoints, narrated PowerPoints, training materials

and a variety of resources that are best practice and should be helpful to you in

your efforts to improve pain in your setting.

For more infomation >> Education for Clinicians Intro - Duration: 0:23.

-------------------------------------------

Creating Inclusive Higher Education Work Environments for People with Mental Health Disabilities - Duration: 54:49.

-Hi, everyone. This is Nancy Aebersold,

HERC's founder and executive director

of the central office.

I would like to thank today's webinar participants

as well as our speakers,

and I'm especially thankful for HERC's multi-year alliance

with the U.S. Department of Labor's

Office of Disability Employment Policy,

otherwise known as ODEP,

which makes today's webinar possible.

Today's topic is extremely important.

We know that approximately one in five adults

in the U.S. experiences mental illness in a given year,

and approximately one in 25

will experience a serious mental illness

that substantially interferes with one

or more major life activities such as work.

So as employers, it's crucial that we understand mental health

accommodation

so we can be successful in creating truly diverse

and inclusive higher education workplaces.

I would now like to intro Brett Sheats,

who is the National Project Director

with the Employer Assistance

and Resource Network on Disability Inclusion,

otherwise known as EARN.

Thank you, Brett, and take it away.

-Thank you, Nancy. I appreciate it.

Hello, everyone.

My name is Brett Sheats.

It's my pleasure to welcome you to today's webinar,

Creating Inclusive Higher Education Work Environments

for People with Mental Health Disabilities.

As Nancy said, this is being hosted

by the Employer Assistance

and Resource Network on Disability Inclusion,

or as we're more often called, EARN, in collaboration

with the Higher Educational Recruitment Consortium,

otherwise known as HERC.

I have the pleasure of serving

as the National Project Director for EARN,

and we're so pleased that you could join us today

to discuss this important topic,

and we're thankful to have the opportunity

to join forces with HERC to host this event.

I'd like to start by noting that immediately

following today's webinar,

you will be asked to complete a survey about your experience.

EARN encourages you to please do so in order

to help us continue to provide

substantive webinars moving forward.

Your feedback is crucial for us.

For those of you who may not know...

Next slide, please.

Keep going. Go a couple more, Ed.

And one more.

Thanks.

For those of you who might not known,

EARN is designed to be an employer's special source

for guidance, tools and resources on fostering

a disability-inclusive workplace culture.

We're a resource for all employers,

public and private, including universities

and other higher education organizations

who are seeking to recruit,

hire, retain and advance people with disabilities.

We're funded by the U.S. Department of Labor's

Office of Disability Employment Policy,

or ODEP, under a cooperative agreement

with the Viscardi Center,

and we bring together a collaborative of partners

with expertise in technical assistance,

training and research.

Next slide, please.

In higher education, as in all industries,

workplace policies and practices that foster employment success

for people with mental health conditions

are actually sound management practices

that benefit all workers,

and by extension, their employers.

Indeed, many of the same supports that help people

with mental health disabilities thrive at work,

such as employee assistance programs,

health coverage, flexible work arrangements

and reasonable accommodations are common-sense strategies

that help all employees

in a college or university environment give their all,

whether they are in a classroom, lab or office.

What's more, creating a more welcoming environment

where people with mental health conditions

feel safe to self-identify as people with disabilities

may help advance a higher education institution's

overall disability inclusion goals.

In this webinar, participants will learn

about effective approaches

for providing employees with mental health conditions

what they need to perform their best on the job,

and raise awareness across their institutions

about the importance of adopting an inclusive work culture

that fosters mental health and well-being.

Most of you are joining us through the WebEx platform,

and you're hearing the audio

by voice-over IP through your computer.

The audio is also available over a phone line.

If you'd like to listen to today's events in that way,

you can call 415-655-0045,

and the conference code is 668445922

followed by the pound sign.

For technical support during the webinar,

please post your issue within the Q&A window on your screen.

If you're having any issues loading WebEx

or downloading add-ins,

please contact WebEx directly --

1-866-229-3239.

A copy of today's presentation slides

are available for download from AskEARN.org.

This webinar is also being recorded,

and you will receive a follow-up e-mail

within the next week with details

on how to access the archived event.

Please note that we will be accepting questions

from the audience during today's discussion.

You can submit your question by typing them into the Q&A window

or through the chat feature on your screen.

You can also submit questions via e-mail

at AskEARN@viscardicenter.org.

You can also submit questions via Twitter by using the hashtag

#AskEARN or by direct message to @AskEARN.

We're live captioning this webinar,

which you can follow along within the captioning window

at the bottom of your screen.

It's just below the Q&A window on your screen.

You must open the window titled "Media Viewer"

to display the captioning.

And some of you may be also interested to know

that this webinar has been approved

for one HR general recertification credit hour

through the HR Certification Institute

as well as through SHRM.

Details on receiving these credits

will be sent to participants

within a week following this event.

Stay tuned for an e-mail from the Viscardi Center

on behalf of EARN for that information.

Next slide, please. All right.

So we have our audience

assessment question before we get started.

I'd like you to answer this if you would.

It provides us a baseline of your knowledge and comfort level

with our topic today.

All of your responses are anonymous,

and answering the question is essential to help us

understand your needs, so take a moment to answer it.

That question is, "On a scale of one to five --

one is very little knowledge,

five is extensive understanding --

how would you rate your knowledge

and understanding of strategies

for making higher education work environments,

or any work environment, for that matter,

more inclusive of people with mental health disabilities?"

Go ahead and take a moment to answer that question.

All right.

We'll just take a few seconds here to tabulate your answers.

Our platform is just taking a second to tabulate this.

Hold on with us.

Well, I'm not seeing it pop up.

We'll come back to that a little later, and then --

Oh, there we are. There we are.

It just took a little bit of time.

So it looks like we're around middle of the road to...

about 47% saying they're right in the middle there,

and about 27% at two.

So we'll revisit this question at the end of the WebEx webinar

and see if it's made a difference.

And we really hope that the information you hear today

will make a difference.

So lets go to the next slide, please.

Great.

So we'll get started with today's presentation.

It's my pleasure to introduce our first speaker,

Melanie Whetzel.

She's Lead Consultant, cognitive and neurological team

at the Job Accommodation Network,

otherwise known as JAN.

Melanie, go right ahead and kick us off.

-All right. Thank you.

The Job Accommodation, just as Brett said, better known as JAN,

is the leading source of free, expert and confidential guidance

on workplace accommodation and disability employment issues.

Working towards practical solutions

that benefit both the employer and the employee,

JAN helps people with disabilities

enhance their employability,

and shows employers how to capitalize on the value

and talent that people with disabilities

add to the workplace.

Next slide, please.

Here we have a bit of background information on JAN,

for those of you who may not be familiar with

who we are and what we do.

JAN was established in 1983 as a free, national service.

From Fortune 500 companies to entrepreneurs,

JAN has served customers across America

and around the world for over 25 years.

We specialize in job accommodations

and the employment provisions of the Americans

with Disabilities Act and related legislation

such as the Rehabilitation Act.

We also provide information on self-employment

and entrepreneurship options

for people with disabilities.

Consultants can assist callers at any point

in the interactive process,

from explaining what the process includes

to helping pinpoint and solve difficulties at specific steps.

We can answer specific questions

and give targeted technical assistance,

as well as provide comprehensive resources.

All calls are confidential,

so callers can freely explore their options.

JAN is very easy to use and offers numerous ways

to obtain personalized assistance anytime, anywhere.

Get your questions answered by toll-free phone

calls that include TTY.

Visit the web for more than

200 disability-specific publications,

as well as our searchable online accommodation resource,

which is called SOAR.

And that enables users to explore accommodation options

for different disabilities in workplace settings.

Jan's on-demand online e-mail service

provides customers with individualized e-mail

responses to questions about accommodations in the ADA.

Connect with Jan through Twitter, Second Life, Facebook

and other social networks,

or use our increasingly popular online chat feature.

We offer live and archived training,

just like you're receiving here today,

and we work as your partner in the employment

and retention of employees with disabilities.

Next slide, please.

So I just wanted to talk a little bit about disclosure,

and disclosure is when you divulge

or give out specific personal information

about your disability.

When disclosing, it's important to provide information

about the nature of the disability, the limitations,

or how the disability affects the capacity to learn

or perform the job effectively and accommodations

needed in order to do the job,

or in the hiring process,

accommodations that are necessary

in order to complete the application process

and successfully interview.

You'll need to have a strategy,

which simply means that you want to think about it ahead of time

and have a plan about when to disclose the information,

and how much you're willing to tell about your disability.

Disclosure is generally not required under the ADA

until an accommodation is needed.

Employers who provide a culture of acceptance

and the willingness to assist employees

with accommodations help them

to become more willing to disclose earlier

rather than later.

Next slide, please.

So now we answer the question,

"Why would someone with a disability choose to disclose?"

There are several reasons why.

The first reason would be to ask for accommodations

or modifications to the work environment

that would help enable the individual

to complete the essential functions of the job.

We have accommodation examples to share just a bit later.

The second reason to disclose would be

to receive benefits or privileges of employment.

The ADA requires employers to provide reasonable

accommodations

so that employees with disabilities

can enjoy benefits and privileges of employment

equal to those enjoyed by similarly situated employees

without disabilities.

Benefits and privileges include, but are not limited

to organizational-sponsored trainings,

services such as credit unions, cafeterias, lounges,

gymnasiums, auditoriums, transportation

and also parties or other social functions,

such as those celebrating retirements and birthdays

and outings or picnics.

If an individual with a disability

needs a reasonable accommodation in order to gain access to

and have an equal opportunity to participate

in these benefits and privileges,

then the employers must provide the accommodation

unless they can show an undue hardship.

For example, an employee with a major depressive disorder

has difficulty attending large meetings.

The accommodation of allowing the employee to attend meetings

by phone conferencing

might be necessary to provide the employee

with the same benefit of the information

gained from the meeting that everyone else received.

Briefing the employee one-on-one about the meeting

could be an alternative accommodation.

The third reason to disclose a disability

could be to explain an unusual circumstance.

For example, an office employee who works

on the first floor of the building

is unable to use the stairs

due to post-traumatic stress disorder or PTSD

from an assault that took place in the stairwell.

She does not need to disclose her inability to use the stairs

because she has not been required

to use the upper floors,

but once the HR department moves to an upper floor

she may have to disclose her PTSD

and the inability to use the stairs in the event

that the elevator is out of service.

An effective accommodating for this situation might be that

if the elevator is out of service

when she needs to meet with the HR Department,

the appointment either be rescheduled

or moved to a location on the first floor.

Next slide, please.

So under the ADA, an individual may disclose a disability

and ask for an accommodation either verbally or in writing.

JAN recommends that you do so in writing

so that you have the documentation

that you did indeed disclose

and ask for an accommodation, and when you did so.

Many state agencies and institutions

will have their own paperwork.

So who do you disclose to?

The employer, a supervisor or manager

and/or a human resource representative,

including the Reasonable Accommodation Office

or the ADA Coordinator can all be persons

an employee would make their disclosure to.

Oftentimes, an employee doesn't want their supervisor or manager

to know about a medical condition.

In that case, it's wise to disclose to someone in HR.

In many cases, a manager or supervisor

may need to be informed of the process

and be involved in the accommodations,

but wouldn't need information on the medical condition.

Next slide, please.

Okay.

Here we're just going to talk briefly

about performance and conduct.

Under the ADA, an employer is not required

to lower a performance or conduct standard

that is applied uniformly to employees

with and without disability.

However, an employer may have to provide

a reasonable accommodation to enable an employee

with a disability to meet the standard.

Ideally, employees will request reasonable

accommodation before performance or conduct problems arise,

or at least before they become too serious.

Although the ADA does not require employees to ask

for an accommodation at a specific time,

the timing of a request for accommodation is important

because an employers does not have to rescind discipline,

including a termination or an evaluation

warranted by poor performance or by misconduct.

It is generally preferable that the employee initiate

any discussions

on the role of disability.

Ideally, employers should discuss performance

and conduct problems

before they become too serious

in order to give the employee

an opportunity as soon as possible

to address to the employer's concerns.

An employee who is on notice

about a performance or conduct problem

and who believes the disability is contributing

to the problem should evaluate

whether a reasonable accommodation would be helpful.

An employee should not assume that an employers knows

about a disability

based on certain behaviors or symptoms,

nor should an employee expect an employer

to raise the issue of the possible

need for reasonable accommodation,

even when a disability is known or obvious.

Next slide, please.

All medical information should be treated the same,

regardless of how it was obtained,

whether during post-offer examinations

or by voluntary disclosure.

It should be kept in a file separate

from the employee's personnel file,

and in a location that is accessible

only to authorized personnel.

Generally, only Human Resource personnel

are entitled to the medical information.

However, in its Title I technical assistance manual,

the EEOC or the Equal Employment Opportunity Commission

identifies a few exceptions, which are as follows --

Supervisors and managers may be informed

about necessary restrictions on the work or duties

or an employee and necessary accommodations.

First aid and safety personnel may be informed

when appropriate if a disability

might require emergency treatment,

or any specific procedures are needed

in case of a fire or other evacuation.

Relevant information may be provided to government officials

investigating compliance with the ADA,

to state workers' compensation offices

and to insurance companies

where required for health or life insurance.

In some cases, supervisors may need to know

the specific disability so accommodations

can be effectively implemented.

In such cases, the employers should check with the employee

before sharing any medical information with the supervisor

to explain the reason for doing so.

For example, if an employee with epilepsy needs accommodations

relating to what to do in response to a workplace seizure,

the supervisor will likely need to know

that the employee has seizures.

Otherwise, there may be no way to implement a plan of action.

In many cases, however, the supervisor will not need

to know the specific disability

to implement the accommodation.

For example, individuals with mental health impairments

sometimes need accommodations such as schedule modifications,

additional breaks and job restructuring.

The supervisor probably does not need to know

the employee's specific medical condition or the limitations

in order to provide the accommodation,

but may only need to know what accommodations are needed.

Next slide, please.

Here we have our accommodation examples.

Our first one is a college professor

who had difficulty with concentration and focus,

and needed to reschedule departmental meetings

and classes he taught to after 11:00 a.m.

to allow for uninterrupted morning hours for planning,

studying and administrative duties.

After careful consideration of the effectiveness

of the accommodation for the professor,

and determining that the schedule changes

would not cause a hardship,

the employers provided the requested accommodation.

Next slide, please.

Our next example is a newly hired counselor

who could perform the essential functions of the job,

but she had difficulty in training.

Due to short-term memory deficits

associated with a mental health impairment,

she had difficulty moving through the modules

at the scheduled pace.

She was accommodated with extended training,

a more relaxed schedule for the completion of the training,

extra time with the trainer,

materials to take home to study

and an extended timeframe for completion of each module.

Next slide, please.

So our next accommodation example is a professor

who requested the accommodation of an office with windows

because natural lighting is needed and helpful

for her seasonal affective disorder.

Because professors with more seniority were offered

the offices with windows,

JAN suggested the use of full-spectrum lighting

that has nearly the same effect as the natural lighting,

and can be found in task lighting, desk and floor lamps,

light boxes and torchères,

as well as replacement bulbs for existing lighting.

Next slide, please.

And this is our last accommodation example.

Here we have a part-time professor with ADHD,

Attention Deficit Hyperactivity Disorder,

and anxiety who was having difficulty planning new courses

when the schedule changed quickly

and he was required to do so under tight time constraint.

He requested that he only be put on the new courses

that were firmly scheduled ahead of time

in order to give him time to prepare.

If he were to teach courses that were suddenly added,

he asked that those be the ones

he had previously taught and planned for.

Next slide, please.

All right.

If you need more information on the ADA

or workplace accommodation,

please feel free to contact us at JAN.

You can reach us toll-free at 800-526-7234 for voice

or 877-781-9403 for TTY,

or visit us on the web at AskJAN.org.

You can also contact us through Skype and text

and find us on Twitter, Facebook,

LinkedIn and other social net -- networks.

Excuse me.

We hope to talk to you soon.

Thanks for making JAN a part of this webinar.

And now I'm going to turn this back over to Brett.

-Thank you, Melanie.

That was really informative, really appreciate that.

And now it's my pleasure to introduce our next speaker,

Kristen Abell, Web Manager

in Strategic Marketing and Communications

at the University of Missouri-Kansas City.

She's also co-founder of The Committed Project,

which focuses on, or is committed to,

if you will, advancing awareness about mental health issues

in the higher education environments

and supporting higher education professionals

whose lives are affected by them.

Kristen, go ahead and take it away.

-Thank you, Brett.

Good morning, everybody, or afternoon,

I guess, for some of you.

Go ahead and, Ed, if you want to switch to the next slide.

I want to tell you a little bit about my story

because I do think that there is a lot of power

in sharing our stories

and helping to eradicate the stigma

around mental health issues.

So first, I just want to tell you

that I have had depression and anxiety

for about 25 years or so,

and have been treated for it on and off throughout my life.

Of course, when I first discovered

this when I was a teenager,

people didn't really talk about mental illness.

So understanding that a lot of the people

that are in your workplace

may have grown up during that same time

and don't talk about mental illness,

or don't feel comfortable talking about mental illness,

I think is really important.

On the flip side of that, we do have a generation of people

who are in the workplace now

who have a very different level of awareness around privacy,

and they may out themselves before they understand

how their coworkers understand mental illness.

That lends to a little bit more complex environment,

but it is something to be aware of.

In my current workplace, I have been able to be very open

about my mental illness,

but that hasn't always been the case.

However, because I am more open about it,

other people in my office have felt the ability

to be more open about it as well,

and I've also had supervisors at various jobs

who have disclosed their own experiences

with mental illness with me as well.

It can be really hard to be vulnerable with your employees,

but if this is something that you experience,

I feel like this is an area, as supervisors,

where we can allow our employees to feel safer

and to understand a little bit about what we're doing

and what sort of accommodations we also may need.

Again, that's something that you just kind of need

to feel out for your office

and whether that's appropriate, but it is, I think,

something that can be really helpful.

So again, I just want to emphasize

that understanding each person's story

in your office can be helpful,

and it can help others feel comfortable

sharing their stories as well.

Go ahead and flip to the next slide, please.

Obviously, as I talked about, if you haven't had mental illness,

it can be hard for somebody with that to explain the emotions.

A lot of people will ask me, "Oh, are you sad, like,

do you not smile because you have depression?"

Which is not accurate at all.

I just don't walk around with a smile on my face all the time.

It's hard to say that depression isn't necessarily

about being unhappy or being sad,

that it's so much more than that,

and so it can be really important for those

that you're working with to understand

that you may not know what they're talking about,

but that you're willing, still, to work with them

and to make accommodations as necessary.

It can also be very difficult,

and probably many of you have heard people

talk about talking a mental health day,

and understanding what a mental health day

is for somebody who actually does have a mental illness

is very different than somebody who is just using it flippantly,

and just wants a day to take a break.

Some people really need that.

People who, like, I mentioned, like myself,

who have grown up during a time

where there is a lot of stigma around mental illness

may be really tentative

to disclose

to our supervisors, especially.

I really appreciated what Melanie was saying

about talking to HR

and that that's an important use for us,

but on a lot of campuses, HR is so far from us

that we don't even think about how we can use them,

or they're not immersed in our everyday life,

and so, when I talk to a lot of my colleagues

who haven't disclosed on their campuses,

it's because they don't even know who in HR

to talk to or where to share that.

And depending on how you do...

what sort of nonverbal cues that you give,

so even if it's, you know,

when somebody is talking about a mental illness,

the faces that you make or the reactions that you have.

Also our language around mental illness,

extremely important to keep in mind what we're saying there.

If I talk to somebody and they're constantly

saying things like,

"Oh, my gosh. That person is so crazy,"

or, this is one of my favorites,

when somebody talks about going postal or anything like that,

I know that, for myself,

that's probably not going to be somebody that I disclose to.

So being aware of your language

and how that impacts others as well as the nonverbal cues

that you give can be really important

and really helpful for those who work in your office.

Next slide, please.

As I mentioned, that stigma that's there may prevent people

from even seeking help,

so it's a very good possibility

that you have people in your office

that are experiencing mental illness

that have not gotten help for it,

and so don't even know that they need accommodations,

or don't know that they even need to see somebody

because they don't understand what's going on with them.

It's sort of like, you know, if you have an allergy or a cold

and you don't know what it is.

You don't even know how to treat it because you're just not

even sure what you're dealing with yet.

So that's something just to kind of be aware of.

And one of the things that I occasionally hear people say

is, you know, "How do I talk to somebody

if I think they need help?"

And I think talking to them, again,

about how their illness...

You know, illness, it's physical or it's mental,

but they're all illnesses,

and it can be really important to help them understand

that it's perfectly okay, that it's not in their control

and that they may need help for that.

Again, I go back to that whole idea

of normalizing mental illness

and how important it is to make sure

that people know that they can ask for help,

and having an environment of openness

and being really careful of how you're verbal and nonverbal cues

are indicating what you're open to

is an important part of that.

Next slide, please.

So I mentioned earlier that I sought help for depression --

mostly depression, although I experience anxiety too --

on and off throughout my life.

At various points in my life, this has looked different.

I don't know that I would say that I...

I don't think there's a cure for depression,

but there is a way to maintain it,

sort of like with, I also experience asthma.

It doesn't just go away, but I have ways to treat it

that help me keep it under control.

That maintenance can look different for different people.

I personally take medication for mine.

I know some people do therapy.

Some people don't take medication or therapy

but live by yoga and meditation.

There's multiple, multiple ways to treat mental illness,

and that maintenance plan looks different for everyone.

I liked the mention also, earlier, of the lights,

the different-spectrum light.

I have something called a Happy Light at my desk,

and I now have started seeing other people

in my office have those,

and that's, again, part of that environment

where I felt comfortable bringing that in

and setting that up

and being able to answer questions about it.

Again, though... So the medication

that I'm on right now works great,

seems to do really well.

That hasn't always been the case,

and the other issue there is,

of course of what your insurance may or may not cover.

So I had to switch meds, and during those times,

it can be extremely challenging,

so while I may be maintaining my depression just fine right now,

there are times when I'm not,

and I may need accommodations during those times

that I don't normally need.

That can kind of go up and down

depending on how that person is working to maintain.

And again, that's just something to be aware of.

Next slide, please.

So, again, I'm just going to keep reiterating this

because I think it's possibly the most important point

that I can make is that stigma,

the stigma that a lot of us have grown up with

will likely impact if somebody discloses.

In workplaces where I have really felt that strongly,

where there have been comments made,

where it's been very much a work first,

personal life second attitude,

where, you know, it's, "Work 60 hours a week.

I don't care if you're stressed out.

Keep working,"

I know that I can't disclose in those workplaces,

and so being aware of what you're saying

and what sort of standards you have in place,

I think will play a large role in that.

It will also impact how people ask for help.

Maybe I will ask for, you know, a sick day,

but I won't tell you that it's a mental health day

because I know that that's not really acceptable here.

I'll just say, you know, "[Coughs]

Sorry, I have a cold," or something.

It's frustrating to me if I have to do that

because it's not being honest,

and of course I want to be honest in my workplace,

but I will also protect myself and my job.

So, again, I think it's just good to reflect on how stigma

is visible in your workplace.

Next slide, please.

As I mentioned earlier,

different generations perceive stigma differently,

so those who grew up at the same time that I did or earlier,

it's still pretty strong with us.

I'm somebody who is out about my mental illness,

and I still have to rethink what I say sometimes

or how I act or react to those around me.

And so, on the other hand, I know a lot of the people

that I work with who are younger,

there's a less of a filter there,

and they will be more likely to share.

Some of those people who are my age and older

may never tell you anything about it

and, of course, if they're able to do their jobs,

that's perfectly okay.

But just know that there are different levels of comfort

with being willing to disclose.

Next slide, please.

I think the most important thing you can do

is develop that culture of open-mindedness

and psychological safety,

and you can do that by being vulnerable,

by allowing people to share their stories.

If you have a story, share your story.

The Committed Project that Brett mentioned earlier

that I am a co-founder of,

that was kind of our goal to begin with

is to share stories of professionals

in higher ed who experience mental illness.

We spend a lot of time helping students with mental illness,

and we don't always confront the fact

that there's a lot of stigma among ourselves

about mental illness,

and so the idea was to share our stories

and to normalize mental illness,

to get people to see that it's everywhere,

you know, lot's of people have this.

Next slide.

And then, finally, just recognizing,

as I mentioned, ways that language --

Language is a big thing with me.

I'm a writer in my spare time, and so of course

I spend a lot of time on that, but keep it in mind

that we don't want to use mental illness terms

as synonyms for things that are bad, absurd or ridiculous.

Saying, "That's so insane," "That's crazy,"

"I'm so depressed," "I'm so OCD."

Things that you hear in common slang

even now can affect those around you

if they really are experiencing mental illness.

Thank you.

I'm done, Brett. -All right.

Thank you so much, Melanie.

Let's go to the next slide.

All right.

And I appreciate all of that.

We're going to now introduce our final speaker, Tom Ruggieri.

He's the coordinator of the University of Maryland's

Faculty Staff Assistance Program at the University of Maryland.

As the name suggests, this program is

the University of Maryland's employee assistance program.

The floor is yours, Tom.

-Thank you, Brett. Hello, everyone.

I'm really excited to be a part

of this extremely informative webinar.

My name is Tom Ruggieri, and I've been managing

our university's employee assistance program

since 1988.

We provide assessment, referral

and short-term counseling services

to our 14,000 employees and their family members.

Our FSAP is run by two full-time social workers.

My goal over the next 10 minutes is to describe why I believe

that EAPs are an ideal resource for all employees,

but particularly for those with mental health

and substance abuse diagnoses

and how we can be of assistance to them.

I would like to start by saying that I grew up in the 1960s

at a time when community mental health centers

were a great resource for anyone in the country

to reach out and receive mental health

and substance abuse counseling service for free.

My first internship as a graduate student

in the early 1980s

was in a South Baltimore Community Mental Health Center,

where unemployed dock workers could drop in

and receive help at no charge.

Sadly, those days are behind us.

I believe that EAPs are the closest thing

we now have to community mental health centers of the past,

and are utilized every day by employees around the world,

not only helping them to feel better and be more productive,

but also helping their employer at the same time.

I will describe the services we provide in our program,

just one example of how an internal employee

assistance program can help.

Next slide, please.

We provide up to 10 free and confidential visits

for assessment, referral and counseling.

We're located in the Health Center, which is --

it's a center part of campus.

And I think people often associate the Health Center

with confidentiality,

and that gives us a good perception

by most of our employees.

Many of the people who come to see us do so

for workplace issues,

often involving an issue with another employee,

and those circumstances, I think what's more accurate

is to describe our service as coaching and consultations.

And those situations often end up in a mediation session

where we're able to help facilitate communication

between the two employees.

We discovered in 1993

that a lot of the reasons people were coming in,

and the stress that they were struggling with was financial.

They couldn't pay their rent.

They couldn't pay their mortgage.

Their electricity was shut off.

They had no heat.

Their car was in the shop.

They had no way to get to work.

So we started an emergency loan fund

where we can pay an employee's bills up

to $1,000 at no interest,

and they have 6 months to pay that back.

We've actually lent $800,000 in loans up to this point.

We do a number of presentations around campus

on things from substance abuse

to depression to dealing with difficult people

to managing stress.

I'm in the process right now of training 800 facilities'

employees on substance abuse,

and I loved Kristen's idea of trying to get people

who struggle with these issues to talk.

We actually have two employees who are in recovery

who speak at the end of my presentation,

and you can hear a pin drop,

and they really have had quite an impact.

And employees do come to see us as a result of that,

so it's a very useful tool.

And then, finally, we provide debriefings in situations

where there's been sort of a traumatic event

that's occurred on campus, usually a death.

Our most common presenting issues are in mental health,

mostly mood disorders, anxiety and depression,

stress, workplace conflicts of all types and substance abuse.

Our primary objectives are to help employees

identify the issue,

refer them for treatment and/or meet with them ourselves,

especially for those

without transportation

or good insurance.

We also often find ourselves in the role of advising employees

on how to best talk with their employer about their issues,

especially if they are long-term mental health ones.

Whether or not to claim a mental health disability,

as you've heard earlier, is often controversial

and fraught with many complications.

Amongst them, stigma and how the employee will be treated

once the supervisor has this information.

Every situation is as different as the people coming in,

and we try to give the best advice

based on employee's unique set of circumstances.

I think it's one of the advantages

of being an internal EAP

because we know the workplace.

We know the departments.

We know the players, and that helps us

to give the best advice possible.

The most expensive issue we have to deal with is substance abuse.

Employees abusing alcohol and/or drugs

tend to have higher rates of absenteeism, accidents,

health insurance utilization, worker's comp claims,

and require more attention from a supervisor

than they typically have time for.

Because of this, most EAPs tend to spend much more time

with our substance-abusing employees in both the referral

and ongoing monitoring of their progress.

Next slide, please.

So I've probably broke every rule on PowerPoint slides

with this one, way too many words,

but I tried to provide some statistics

that point out the prevalence of substance abuse

and mental health issues in the workplace.

It's a costly set of issues,

and ones that most employers should want to address,

as the cost of turnover for these issues

is much higher than paying for an employee assistance program.

When you consider the cost of terminating an employee

and losing their years of experience and expertise

along with the cost of recruiting,

hiring and training another employee to take their place,

it's almost always less expensive to assess

and treat the current employee

than to terminate them and start all over.

The other reason I like to include

is that we've seen people with mental health

and substance abuse issues

at every level of every organization --

chairs, deans, administrators,

police, chefs, everybody you can think of,

so if the approach is to terminate them

because of these problems,

we're going to lose a lot of employees.

I want to highlight the third bullet point on this slide,

which states that the general prevalence of illicit drug use

in the United States is 8% of the workforce.

What this number fails to include

are those who are addicted to prescription drugs.

In 2015, there were approximately 13,000 deaths

due to heroin overdoses, but in that same year,

there were a little over 20,000 overdose deaths

due to opioid prescriptions.

So if we were to include the problematic prescription

drug abusers in this percentage,

we're obviously looking at a much larger number.

Next slide, please.

I also wanted to point out that if we include

the overall category of stress to the mix,

we see that this issue points out

even more costs of unaddressed issues at work,

both in terms of lowered performance, sick leave,

utilized health insurance claims and presenteeism,

which is that idea that you're at work

but not really performing.

Next slide, please.

I was asked to read this actual comic

from one of my favorite cartoonists, Gary Larson.

It's a picture of a couple guys working on

what looks to be a bomb factory,

where the one guy says to the supervisor,

"Well, it's a delicate situation, sir.

Sophisticated firing system, hair-trigger mechanisms

and Bob's wife just left him last night,

so you know his mind's not exactly into this."

This slide points out that it's not always a standard

mental health or substance abuse diagnosis

that plays a part in an employee's inability

to focus at work,

which is why EAPs offer family and couple's counseling,

as well as an opportunity to receive coaching

on the myriad of workplace issues.

The next two slides, if you could switch to them,

I just wanted to point out,

we do a survey of every employee who comes in,

and we get about a 35% response rate.

And one of the more useful pieces of data from this survey

is the fact that about 65% of our employees feel

that whatever they presented to us

not only interfered with their ability to do their jobs

but, if you go to the next slide,

that their performance improved

as a result of their coming to us.

So we tend to highlight this to Management whenever we can

so that they realize the costs of our program is well worth it.

And then I have one last slide, if you could go to that one,

which points out some of the more recent research

that has been done.

It's a study that was done in 2015,

the first study of its kind,

and the findings confirmed the value of EAPs

to help employees address personal

and work-related concerns

that are affecting their job performance.

This was a large employer of about 80,000 employees

from a variety of diverse socioeconomic groups.

They matched 156 employees

receiving employee assistance services

and compared them to 188 non-EAP receiving employees,

and at follow-up, what they determined was that employees

who received employee assistance services

demonstrated significant reductions in depression,

anxiety, absenteeism and presenteeism

compared to a matching group of employees

who did not receive those services.

So I will end with a summary of two of the points

I hope you will take with you,

and one is that it's a safe estimate

that close to 50% of most workforces

are made up of employees who, on any given day,

are not as focused on their jobs as they could be,

and this focus is likely compromised

by various stressors,

mental health and substance abuse issues.

And the second point is, though I'm clearly biased,

I believe that EAPs represent a vehicle

for providing support for these employees

in a cost-efficient manner

that's not only helpful for the employee

but also friendly to the organization's bottom line.

Thank you for this opportunity to speak,

and I hope this information proves to be helpful.

Throwing it back to you, Brett.

-Thank you so much, Tom.

Really appreciate the presentation.

I'm sure that the information will be of great benefit

to all of our participants.

Next slide, please. All right.

So before we move on, if you'd like to get in touch

with any of our presenters,

here is contact information for all of them.

Once again, these slides will be available on AskEARN.org

in our webinar archive,

so no need to scribble it down right now.

You'll be able to get that information

off the web in the future.

Next slide.

Here is some great resources.

You see EARN as well as JAN on there, ODEP's web page,

HERC's web page, a link to The Committed Project

as well as the link to the University of Maryland

Faculty Staff Assistance Program.

Once again, this will be available via our website.

Next slide, please. All right.

So we have time for just a couple questions.

Just a note, if you did submit a question

and we don't have time to get to it today,

we will answer those in writing,

and it will be in our webinar archive as well.

So we will move first to a question for Melanie.

"Melanie, if an employee submits an accommodation request,

for example, for a standing desk,

and after having his workspace evaluated,

decides to withdraw the accommodation request,

does the employer need any documentation?"

-That's a good question. That would depend.

You know, if the evaluation that was done proves

that the desk is not needed

and it's obvious in that sense,

then the employer probably doesn't,

but it depends on what the employee

and the doctor said in the first place.

An employer may request that they have

that information from the doctor.

We tell employers, you know, to rely on the medical information

in order to base their accommodation decisions,

so it may become necessary in some situations.

-Thank you. -Mm-hmm.

-So, Kristen, there's a question submitted for you.

That question is, "What do you feel the biggest challenges

are that higher education institutions

or higher education professionals

face relative to attitudes about mental health

in other, more traditional workplaces?"

-Sure.

I think one of the biggest challenges we face is that

because it's not just ourselves that we're working with,

we're working with students,

there's a level of care that we're responsible

for that can add additional stress

to those who experience mental illness,

and so there's definitely some additional pieces

there that we're carrying around that somebody

who is doing marketing

or doing other types of business may not experience.

And we also have this, very much a students-first mentality.

However, when you're experiencing mental illness,

if you don't at least sometimes put yourself first,

you will suffer from that.

So I think those are the things that we need to be aware of,

and if we don't educate people about that,

then when you do put yourself first,

you get penalized for it on the job.

-Thank you.

Appreciate the answer.

One question that we've received from a number of folks,

everyone that has attended the webinar will receive an e-mail

stating that they did attend the webinar.

If you were looking to receive some sort of credit

other than the HR credit that we have registered this for,

that e-mail should suffice.

If it does not, you can go to our website,

and there's a place where you can contact us.

Send us an e-mail once you take a look at that e-mail

that you receive.

If you need something more, just let us know,

and we'll do whatever we can,

but I do believe that e-mail should suffice

for what folks are looking for.

We'll go to the next slide, please.

Great.

So next slide after that, please.

All righty.

So before we close out, I'd like you guys to, once again,

answer this audience assessment question.

It's the same question

I asked you at the beginning of the webinar,

and we're curious to observe any differences

in the group's response.

Once again, please do answer it honestly.

Everything is anonymous.

Once again, on a scale of one to five,

one being very little understanding

and five extensive understanding,

how would you rate your knowledge

and understanding of strategies

for making higher education work environments,

or any work environments,

since you are not representing a college or university,

more inclusive of people with mental health disabilities?

Go ahead and take a moment to answer that.

And we'll just wait a moment for the program

to tally up the results.

And there we go.

Looks like we shifted more to the three to four range,

which is great.

This is a huge topic,

and we've just barely been able to scratch the surface here,

but we do hope that the information

that was presented was useful.

We'll go ahead and go to the next slide, please.

All righty.

So it's been a truly excellent discussion.

One thing that I want to remind you --

You will be asked to complete a brief survey

about your experience with this webinar.

We strongly encourage you to please do

so in order to help us continue to provide

substantive webinars moving forward.

Your feedback drives the topics

that we address in the future with our webinars,

so I can't tell you how much it helps us out

if we can hear your thoughts so we can improve what we do.

Please be sure to follow us on Facebook, Twitter and LinkedIn.

You can do all that right from the AskEARN home page.

And once again, AskEARN.org is the host of no-cost tools,

resources and services on recruiting, hiring,

retaining and advancing employees with disabilities.

Melanie, Kristen, Tom, thank you so much.

Your presentations were amazing,

and we appreciate you taking the time

to share your knowledge today.

Nancy, thank you for starting us off,

and to HERC for partnering with us

to present this webinar to all of you today.

And finally, thanks to you, the audience, for joining us.

We hope you enjoyed today's discussion.

And just to remind you once again,

EARN greatly values your input,

and we hope that you will complete the survey

that will be sent to you via e-mail

at the conclusion of this webinar.

Until next time, this is Brett Sheats signing off.

Thank you for joining us today.

Take care.

For more infomation >> Creating Inclusive Higher Education Work Environments for People with Mental Health Disabilities - Duration: 54:49.

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web design and development bangla tips by web education service (part 01) - Duration: 22:16.

I am MD. UZZAL HOSSAIN

web design and development bangla tips

Type facebook.com

For more infomation >> web design and development bangla tips by web education service (part 01) - Duration: 22:16.

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The CFPB Military Education Forum: Financial Well-being — consumerfinance.gov - Duration: 8:04.

Hello, and welcome to the Consumer Financial Protection Bureau's Military Consumer Corner.

I'm Walter Suskind, Public Affairs Specialist at the CFPB.

I'll be your guide for this look at the four elements that define personal financial

well-being.

The CFPB is here to help you navigate the consumer financial market place.

Part of our mission is to empower consumers to take control of their financial lives.

Today, we're highlighting information on the four elements that form financial well-being

and showing how they impact the lives of everyday consumers and servicemembers like you.

Let's begin with a message from Janneke Ratcliffe, Assistant Director for the Office

of Financial Education.

We want to help people improve their financial lives, and their over-all financial well-being,

by setting and working towards goals that can make a real difference.

Our research has revealed that consumers consider financial well-being as having financial security

and financial freedom of choice, in the present and in the future.

You can see what else we learned in our report on financial well-being at consumerfinance.gov.

Savings and income are part of financial well-being, but we learned that they're not all that

there is to it.

Instead, when people talked about their own financial well-being, four main elements came

to light.

Those are: feeling in control; having the capacity to absorb a financial shock; being

on track to meet goals; and having the flexibility to make choices.

Each of these elements brings its own challenges, but it's important to understand each as

it relates directly to how you can develop your own sense of financial well-being.

As you watch the rest of this video, take note of additional tips and information about

these four elements and more resources from us that can help you.

I hope you'll take something away that you can share with others.

And thank you for watching!

Financial well-being and feeling secure in our finances sounds great, but what does that mean?

And, what does it look like in our everyday lives?

Here are a few examples of how the four main elements of financial well-being might come

into play.

Take a look:

This is crazy!

How am I supposed to pay all of this?

I'm working my butt off and still can't get my head above water.

How am I supposed to do this?

Feeling secure in your financial life means having control over your day-to-day and month-to-month

finances.

This means you're able to cover your expenses, pay your bills on time, and generally not

worry about having enough money to get by.

This isn't just about having money, it's about managing it.

We have tools that can help you set financial goals, track and manage income and spending,

plan for and prioritize your expenses,

and understand your rights when it comes to debt collection.

You can find those tools and more information about financial well-being at our website:

consumerfinance.gov.

There, just search for "Issue-Focused Tools".

Why do you keep putting me on hold?!

No, you listen!

I have been on this phone for almost two hours and you're saying no one

is available to speak with me about this damage?

There is a hole in my roof!

All my stuff is getting soaked!

What?

No, I didn't realize my policy lapsed!

No, don't put me on hold. Don't put --

Feeling secure in your financial life

means having the capacity to absorb a financial shock.

Whether you get in a car accident or are temporarily laid off from a job, a safety net such as

savings, insurance, or family can help stop a financial shock

from turning into a longer-lasting setback.

We have tips on how you can save for emergencies and information on other ways you can plan

for a financial shock.

You can find those tips and more information about financial well-being at our website:

consumerfinance.gov.

Oh my gosh Sarah, look at this one.

We can go horseback riding on the beach on day three.

I've never done that before.

Check this out.

Our package also includes a 2 hour snorkeling adventure in the coves.

That's awesome!

I'm so glad we saved up, so we could do this.

What's planned for day 5?

It says we can choose between the half day relaxation package and catered lunch or a

full day hiking adventure.

Relaxation package!

Feeling secure in your financial life means being on track to meet your financial goals.

Whether or not you have a formal financial plan, you should be setting goals that are

important to you, and working toward those goals.

Think of this as moving toward financial freedom.

We've built tools and resources to help you ask questions, plan ahead, and act on

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Just search for "Consumer Tools".

Hi, honey.

Oh, you're here!

I missed you.

Me too.

How are you?

You made it.

I'm good.

Here, sit down

Honey, I'm so glad you're here.

I really missed you.

I missed you too.

I'm so glad I saved my combat pay and used the Savings Deposit Program while I was deployed

so we have the extra money to do things like this more often without worrying about it.

Me too.

This is so nice.

Let's order.

I hear the food here is great.

Oh, yes.

I was looking at the...

Feeling secure in your financial life means having the financial freedom to make choices

to enjoy life.

Whether that is taking a family vacation, going out to eat, or working less to spend

more time with family.

But, when you face a financial choice or task, consider how your actions might affect your

financial security and financial freedom, today and in the future.

Our Ask CFPB tool can help you find the information you need to make more informed choices about

your money with clear, impartial answers to hundreds of financial questions.

You can find Ask CFPB and more information about financial well-being at our website:

consumerfinance.gov/askcfpb.

So, there you have it.

Feeling in control, having the capacity to absorb a financial shock, being on track to

meet goals, and having the flexibility to make choices are what make up the four elements

of financial well-being.

Visit consumerfinance.gov to learn more and take charge of your finances.

You can start by taking a short quiz to score your own financial well-being.

Just search for "Financial Well-being".

Thanks for watching.

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