I strongly believe that the future of higher education lies with online learning. Increasingly, colleges and university students now find themselves with other obligations beyond that of getting a degree. Jobs and family commitments make equal demands on their time. Having the option of taking online classes and studying on their own time is critically important. At the same time, many state institutions are unable to accommodate all those who want to take classes on campus, escalating the demand for online learning.
Finally, lifelong learning must now be a part of everyone’s career plans. In today’s job market, taking online courses help workers remain competitive and they don’t need to take time off from their jobs to do this.
Community colleges have been in the forefront of online learning. In the 2010-11 semester, Ivy Tech in Indiana had more than 79,000 unduplicated students in 300 credit earning online courses. Governor Jerry Brown of California just announced a pilot program offering low-cost online courses to the state’s public institutions of higher education. The emphasis will be placed on course work for entry-level math, college algebra, and elementary statistics — subjects that normally have high failure rates.
Students need to determine if online learning is an option for them because not everyone does well with this type of study. Some questions that any potential online students should ask is whether or not they can learn independently; how organized they are with their time; whether they are computer savvy; their level of reading comprehension; and if they have at least ten hours a week to devote to each course.
Many make the mistake of assuming that an online class will be easier than one taken in a traditional classroom. Often online instructors assign more reading materials than required in a regular classroom to ensure that students are engaged. Motivation is key to an online student’s success as is his ability to reach out to both instructors and fellow students using software such as Blackboard.
That software program seamlessly integrates social media, making it possible to create online communities that are course specific. Blogs, tweets, podcasts, webcasts, online chats, discussion boards, and virtual study jams are all part of the online mix. Success in an online course often depends on how connected a student feels to his instructor and fellow students.
I believe that online learning has the potential to revolutionize higher education. Students will be able to learn at their own pace and problems as simple as finding a place to park on campus will be eliminated. Public colleges and universities simply cannot build new facilities to accommodate all those who need credits in higher education. In addition, credit hours taken online particularly at a community college are often less expensive. It therefore makes good financial sense for a student to take core courses online at a community college and then transfer those credits to a four year institution.
Local businesses can also benefit from online learning. At Ivy Tech, we work directly with local manufacturing firms to meet their future workforce needs. Online learning not only trains the workers of the future, it can also provide a career path for someone employed, who needs to learn new skills. Employers should recommend online courses that will help with career advancement and, if possible, offer tuition re-imbursement.
For online learning to succeed it is also essential that we find and train instructors who can adapt to this new medium. Fortunately, new technology makes it possible for instructors to create exciting new ways to learn online that engage students in ways that are more effective than a lecture hall with hundreds of students.
We also need to develop a national transfer pool so that certain online courses can be taken anywhere in the country and then transferred to the student’s home institution. No student should face being shut out of a class he needs to get a degree when he can take the same course online at another institution.
Higher education officials need to seek out partnerships with technology companies to ensure that their online learning courses take advantage of all new developments that increase the capacity to learn.
I foresee a time when there will be totally virtual colleges and universities and students will not only take classes at their own institution, but expand their scope by enrolling in courses at the great institutions of learning around the world. Image studying political science with Bill Clinton or science with a Nobel Prize winner.
We are in the early days of online learning. The possibilities are limitless.s cancer.
CFD Finance in 2018 – How to Calculate the Finance Rates
When it comes to trading a financial instrument like CFDs, you may be wondering ‘How much finance do I pay to hold CFDs overnight?’cfd finance rate calculation
While the majority of this site is dedicated to showing the positive aspects of CFD Trading, it is important to keep in mind the CFD risks that lie lurking around the corner when trading this exciting product.
What is the difference in finance rates between trading shares and trading CFDs?
The fundamental difference between trading stocks versus trading CFDs is the overnight CFD Finance.
When it comes to trading shares, there is no financing component. You will only pay financing on shares if you take out a margin loan.
But when it comes to trading Contracts for Difference, you only place a small margin up front to control the entire position. With CFDs, you are effectively taking out a loan every time you open a trade and hold it overnight.
CFD finance, margin and leverage figures
Let’s say you have a $10,000 position on the S&P500 index. Your CFD broker may only require half a percent in margin to hold that position.
So you need to outlay $50 to control a $10,000 position on the S&P500 index.
In effect, you are ‘borrowing’ the $9,950 and your CFD broker will charge you interest for ‘lending’ you the money.
Intraday positions versus holding for several days
The finance fees are calculated when you hold a position past the New York close (at least for most brokers). If you close your position before the New York close, then you will not pay any CFD finance.
If you hold the position for three weeks, then you will pay finance every day you hold the trade open.
The good news is CFD brokers charge you a pro rata rate. Unlike a margin loan, you never have to apply for a credit rating or credit check to get approved to trade CFDs or Forex.
Example CFD finance rates from the leading CFD brokers
Each CFD broker calculates the finance rates in different ways. Instead of trying to explain a blanket rule of how CFD finance is calculated, we thought it would be easier to highlight the best CFD brokers finance rates here.
IG Markets finance rates
As you can see from the screenshot below, IG charge 2.5% above the relevant interbank rate. Rates differ depending on whether you are trading share CFDs, Forex, Indices or Commodities. Their financing rate is 3% for mini and micro FX contracts.
CFD finance with IG markets
IG rate screenshot taken on 14 January 22 February 2018
CMC Markets finance rates
As of January 2018, CMC Markets charge financing if you hold positions after 5pm New York time. CMC refer to this as a holding cost, not a financing charge. You can see their share CFDs rates from the screenshot below, taken in January2018.
cmc markets holding costs
When it comes to holding costs for Forex trades, CMC have a different calculation.
CMC Forex holding costs
AxiTrader finance rates
With AxiTrader, they have a swap rate. The swap rate is available on their MT4 platform.
Having said that, below is a screenshot taken in January 2018, highlighting how they deal with Forex finance rates.
forex swap rate with axitrader
CFD Finance – Holding CFD positions overnight
You get charged CFD financing when you hold a position past the close.
CFD brokers determine a position is held overnight if you hold the position after 5 pm Eastern Standard Time in New York.
The timing for that is around 7 am Australian time (Sydney).
Check your CFD brokers product disclosure statement (PDS) for their exact rollover time.
The CFD Finance calculation – Calculating the daily interest charge
The below finance calculation is a brief visit back to the old days of CFD Trading. This is when they used to charge interest based on the RBA.
You may also notice the RBA back then was 7.25%. Fun times.
Long CFD position (how they used to calculate the rollover rates)
= (Total CFD position size * (RBA rate + 2%)) / 365
= ($10,000 * (7.25% + 2%)) / 365
= ($10,000 * 9.25%) / 365
= $925 / 365
= $2.53 per day debit
NOTE: Calculating the daily rate can differ in some countries. For example, Australia and the UK use 365 days in the year and others use 360 in their calculations. Read the Product disclosure statement of your CFD broker to work out which rate they use.
Therefore to hold a $10,000 CFD position will cost around $2.53 every day you are long.
Accessing Opportunity with CFDs
First and foremost, it is important to know exactly what the costs of doing business are when trading CFDs.
Secondly, understand CFD Finance is simply the cost of doing business and it is a relatively small charge.
Think of CFD financing as the cost to access more opportunity
You see if you had $10,000 in your share trading account then $10,000 is all you could trade. Therefore you are limiting your opportunity in the market. You can only trade two lots of $5,000 positions.
When trading CFDs your $10,000 cash could access more. But let’s say you decide to trade total positions that do not exceed $30,000.
As a result, you may wish to trade five lots of $6,000 trades. This gives you a greater chance to diversify and most importantly, access more opportunity.
So think of CFD finance as the cost to access more opportunity, giving you a greater chance of accessing more profits.
CFD Finance for a Short Sell CFD position
Short Sell CFD position (how they used to calculate the rollover rates)
= (Total CFD position size * (RBA rate – 2%)) / 365
= ($10,000 * (7.25% – 2%)) / 365
= ($10,000 * 5.25%) / 365
= $525 / 365
= $1.44 per day credit
CFD Finance changes daily based on market action
CFD Finance charges will differ every day as your position rises and falls with the market.
Let’s run through an example of holding a position for several days to see how it plays out.
1st day: Open CFD trade at $10,000 and position stays steady
2nd day: Position moves into profit and is now worth $10,230 (CFD Finance will now be calculated on $10,230)
3rd day: Market sells off, and your CFD position is now worth $9,750 (CFD Finance will now be calculated on $9,750)
4th day: The position meets your exit criteria and you close the trade.
As you can see, each day the amount of CFD finance you pay will depend on your open positions.
Avoiding overnight CFD Finance charges
If you open and close a share CFD position in the same day, there will be no CFD Finance charges. As you never held the position overnight, you never had to pay the financing.
Does that mean Trading CFDs is better suited to short term Intraday trading?
Not at all. Remember your goal is to:
Build a trading system(s) that fits your trading time frame
Develop a trading system(s) that suits your risk profile
Create a trading system(s) that fits your psychological profile
If that means you trade intraday and avoid overnight interest then fantastic.
If you find your average hold for a trade is 35 days and your system(s) are profitable then OK. When testing your system(s) allow some room for overnight financing.
If paying finance is a concern, you can always trade the forward contracts, which have the finance component removed.
At the end of the day, finance rates are small given the low-interest rate environment we are in, in 2018.
When testing your system(s) allow some room for overnight financing.
Your goal will always be to trade your most profitable trading system over your ideal time frame. Do not attempt to become an intraday trader just to avoid overnight CFD Finance.
Do not attempt to become an intraday trader just to avoid overnight CFD Finance.
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What is 'Finance' Finance describes the management, creation and study of money, banking, credit, investments, assets and liabilities that make up financial systems, as well as the study of those financial instruments. Some people prefer to divide finance into three distinct categories: public finance, corporate finance and personal finance. There is also the recently emerging area of social finance. Additionally, the study of behavioral finance aims to learn about the more "human" side of a science considered by most to be highly mathematical. BREAKING DOWN 'Finance' Public finance includes tax systems, government expenditures, budget procedures, stabilization policy and instruments, debt issues and other government concerns. Corporate finance involves managing assets, liabilities, revenues and debt for a business. Personal finance defines all financial decisions and activities of an individual or household, including budgeting, insurance, mortgage planning, savings and retirement planning. Public Finance The federal government helps prevent market failure by overseeing allocation of resources, distribution of income and stabilization of the economy. Regular funding for these programs is secured mostly through taxation. Borrowing from banks, insurance companies and other governments and earning dividends from its companies also help finance the federal government. State and local governments also receive grants and aid from the federal government. In addition, user charges from ports, airport services and other facilities; fines resulting from breaking laws; revenues from licenses and fees, such as for driving; and sales of government securities and bond issues are also sources of public finance. Corporate Finance Businesses obtain financing through a variety of means, ranging from equity investments to credit arrangements. A firm might take out a loan from a bank, or arrange for a line of credit. Acquiring and managing debt properly can help a company expand and ultimately become more profitable. Startups may receive capital from angel investors or venture capitalists in exchange for a percentage of ownership. If a company thrives and decides to go public, it will issue shares on a stock exchange; such initial public offerings (IPO) bring a great influx of cash into a firm. Established companies may sell additional shares, or issue corporate bonds to raise money. Businesses may purchase dividend-paying stocks, blue-chip bonds or interest-bearing bank certificates of deposit; they may even buy other companies in an effort to boost revenue. For example, in July 2016, newspaper publishing company Gannett reported net income for the second quarter of $12.3 million, down 77% from $53.3 million during the same quarter in 2015. However, due to acquisitions of North Jersey Media Group and Journal Media Group in 2015, Gannett reported substantially greater circulation numbers in 2016, resulting in a 3% increase in total revenue to $748.8 million for the second quarter. Personal Finance Personal financial planning generally involves analyzing an individual's or a family's current financial position, predicting short-term and long-term needs and executing a plan to fulfill those need within individual financial constraints. Personal finance is a very personal activity that depends largely on one's earnings, living requirements and individual goals and desires. Matters of personal finance include, but are not limited to, the purchasing of financial products for personal reasons, like credit cards, life, health and home insurance, mortgages and retirement products. Personal banking is also considered a part of personal finance, including checking and savings accounts, along with IRAs and 401(k) plans. Among the most important aspects of personal finance are: Assessing your current financial status: expected cash flow, current savings, etc. Buying insurance to protect yourself from risk and making sure your material standing is secure Calculating and filing taxes Savings and investments Retirement planning As a specialized field, personal finance is a fairly recent development, though forms of it have been taught in universities and schools as "home economics" or "consumer economics" since the early 20th century. The field was initially disregarded by male economists, as "home economics" appeared to be the purview of housewives. However, more recently economists have repeatedly stressed widespread education in matters of personal finance as integral to the macro performance of the overall national economy. Social Finance Social finance typically refers to investments made in social enterprises including charitable organizations and some cooperatives. Rather than an outright donation, these investments take the form of equity or debt financing, in which the investor seeks both a financial reward as well as a social gain. Modern forms of social finance can also include some segments of microfinance, specifically loans to small business owners and entrepreneurs in less developed countries to enable their enterprises to grow. Lenders expect to earn a return on their loans, in addition to helping improve the individuals' standard of living and to benefiting the local society and economy. Social impact bonds (also known as Pay for Success Bonds or social benefit bonds) are a specific type of instrument that acts as a contract with the public sector or local government. Repayment and return on investment are contingent upon the achievement of certain social outcomes and achievements. Is Finance an Art or a Science? The short answer to this question is "both." Finance, as a field of study and an area of business, definitely has strong roots in related-scientific areas such as statistics and mathematics. Furthermore, many modern financial theories resemble scientific or mathematical formulas. However, there is no denying the fact that the financial industry also includes non-scientific elements that liken it to an art. For example, it has been discovered that human emotions (and decisions made because of them) play a large role in many aspects of the financial world. Modern financial theories, such as the Black-Scholes model, draw heavily on the laws of statistics and mathematics found in science; their very creation would have been impossible if science hadn't laid the initial groundwork. Also, theoretical constructs such as the capital asset pricing model (CAPM) and the efficient market hypothesis (EMH) attempt to logically explain the behavior of the stock market in an emotionless, completely rational manner, wholly ignoring elements such as market sentiment and investor sentiment. And while these and other academic advancements have greatly improved the day-to-day operations of the financial markets, history is ripe with examples that seem to contradict the notion that finance behaves according to rational scientific laws. For example, stock market disasters such as the Oct 1987 crash (Black Monday), which saw the Dow Jones Industrial Average (DJIA) fall more than 22%, and the great 1929 stock market crash beginning on Black Thursday (Oct. 24, 1929) are not suitably explained by scientific theories such as the EMH. The human element of fear also played a part (the reason a dramatic fall in the stock market is often called a "panic"). In addition, the track records of investors as a whole have shown that markets are not entirely efficient and, therefore, not entirely scientific. Studies have shown that investor sentiment appears to be mildly influenced by weather, with the overall market generally becoming more bullish when the weather is predominately sunny. Other phenomena include the January effect, the pattern of stock prices falling near the end of one calendar year and rising at the beginning of the next. Furthermore, certain investors have been able to consistently outperform the broader market for long periods of time, most notably famed stock-picker Warren Buffett, who at the time of this writing is the second-richest individual in the U.S., his wealth largely built from long-term equity investments. The prolonged outperformance of a select few investors like Buffett owes much to discredit the EMH, leading some to believe that to be a successful equity investor, one needs to understand both the science behind the numbers-crunching and the art behind the stock picking.
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