 and plans for SEL in their communities.
Key takeaway: Partner with students, families, and community partners to develop SEL plans and continuously improve implementation.
By aligning around a clear and consistent definition of SEL, we can bring together coalitions of students, schools, families, and communities to underscore why this work is so important. Together, we can create the learning opportunities and environments that all students deserve.
This article originally appeared on Medium, reprinted courtesy of Collaborative for Academic, Social, and Emotional Learning (CASEL).
CASEL is a nonprofit, nonpartisan leader in social and emotional learning (SEL), whose mission is to help make evidence-based SEL an integral part of education from preschool through high school.
Seaside Park Block Party Fundraiser This Sunday For First Responders
This Sunday, right outside of Bums Rogers Crabhouse on 23rd avenue in Seaside Park, there will be a great block party from 12p-5p under the big tent to raise money for Seaside Park Volunteer Fire Department, Seaside Park Police, Berkeley Township PBA #237, and Tri-Boro First Aid Squad.Chinese virtual reality (VR) development firm Dlodlo is set to launch the world’s thinnest and lightest consumer VR headset, the V1.
The new headset weighs less than an iPhone at 3.1 ounces, and its lens is just 0.68 inches thick, making it the thinnest and lightest headset currently available on the consumer market. Made from carbon fibre and skin-sensitive silicon, the sleek design is modelled after a pair of sunglasses, with a two-lens silhouette providing an alternative to the bulkiness of other headsets like the Oculus Rift and Samsung Gear.
V1 operates as a standalone device. It remains lightweight due to a wireless hard drive and a separate processor (other headsets contain the processor) no bigger than a smartphone, which stores the VR content.
The V1’s screen display has a resolution of 2,400 x 1,200 (880 pixels per inch), delivering the highest-definition VR image quality available. Meanwhile, headphones integrated into the glasses’ handles provide the audio.
Dlodlo is also developing a platform where users can create profiles and interact with each other to establish a global social VR ecosystem. The content platform will include games, videos and apps for purchase.
Retailing at $559, the V1 will be available for purchase on Kickstarter later this month, while a developer edition will be released in October 2016.
VR experiences are becoming complex, multisensory events – see Designing the New User Interface for influences in user experience design. A new generation of designers are exploring the beneficial effects of VR on healthcare and workplace efficiency – see Product Rhythms for more on this potential.
Canada’s household savings rate soared, as generous benefits met few places to spend. At least, that was the narrative. Statistics Canada (Stat Can) data shows most households saved very little in 2020. The top two-fifths of incomes are responsible for Canada’s elevated savings rate. The bottom two-fifths of households didn’t save anything at all, but were net-borrowers. They had to accumulate debt to live, despite the supposed pandemic income boom.
The lowest quintile of households, or the bottom fifth, didn’t save — they accumulated debt. These households had a net savings rate of -61.4% (-$60.35 billion) in 2020. It’s a big improvement from the -114% (-$90.14 billion) in 2019, but they still didn’t save anything. Rising government transfers, which were double the size of income lost, only helped to offset some of the debt.
The percent of income Canadian households saved, by income quintile.
The second-lowest quintile of household incomes almost saved something, but didn’t quite. These households showed a net savings rate of -3.7% (-$6.88 billion) in 2020. This means they spent 3.7% more than they made that year. Compared to the -28.0% (-$45.02 billion) reported a year before, it might feel like things are booming. However, the country would need to be in perpetual lockdown for this to last. Otherwise, this demographic is likely to fall back to pre-pandemic levels of savings.
The true middle class, the third quintile of income from the top or bottom, showed some gains. Their household savings rate reached 9.1% ($22.97 billion) in 2020, up from -6.9% (-$15.63 billion) the previous year. It’s a move from net-borrowing to net-saving, which is a good sign. However, this demographic has over 20 years of net-debt accumulation to deal with. If the bump is transitory, as a result of temporary transfers, it would fall back into negative territory soon.
The aggregate dollar amount of income Canadian households saved, by income quintile.
The second-highest household income quintile, the top 60-80% of incomes, doubled their savings. These households had a savings rate of 19.6% ($66.06 billion) in 2020, up from 9.9% ($31.50 billion) the year before. The rate in 2019 was unusually elevated though, rising to the highest level since 2014. Households in this demographic represent about 31.7% of all household savings.
Canada’s highest earning quintile saved a third of their income. They managed to sock away 33.1% ($186.61 billion) in savings over 2020. It’s a huge increase over the 25.7% ($137.38 billion) saved in 2019, but most probably didn’t realize they saved that much. One in four dollars earned by these households was savings before the pandemic. During the pandemic, these households represented 89.54% of all savings.
Yes, this combined with the second-highest quintile, is more than 100% of savings. That’s because they’re making up for the households that are accumulating debt instead.
Some evidence indicated the boost in savings was largely going to the wealthiest households. However, rising government transfers were thought to be providing some relief to low-income households. In reality, it only provided temporary relief from their surging cost of living. Once those transfers taper, as many have, three-fifths of households are likely to become net borrowers once again.
The top two-fifths of households, with nearly all of the savings, would see a small impact. A reopening might lead to some spending, but at the same time, Canada is considering targeting them with transactional taxes. For example, Canada is considering a “luxury” tax, pitched as a revenue generator. There’s little evidence these populist taxes generate much revenue, but evidence shows they reduce consumption. This would turn money ready to be injected into the economy, into more cash sitting idle in bank accounts. Depending on how steep these taxes are, they may actually partially offset increased spending on reopening.
The takeaway? Canada’s high savings rate is mostly just the wealthiest saving a little more than usual. As for Canada’s poorest households, they’re still treading water. Even with Canada boasting about the lofty savings rate households have accumulated.
Low income people aren’t thriving during a pandemic where the cost of goods have increased 20%? This is shocking. It should have been offset by lower interest paid on their million homes.
It seems to me that they’re paying off their debt which is a good thing, it’s also deflationary and strengthens the dollars buying power. Unfortunately the government continues to devalue the currency relative to American dollars.
They know the disposable income data is junk. I don’t know why they keep playing it up, since it very clearly was impacted by CERB replacing much more income than was lost.
This isn’t a comment on whether CERB is a good or bad idea by the way. It’s strictly a comment on its impact on disposable income, which means it doesn’t mean the same benefits many assume have been created.
So the rich will buy a second house, and that will be how sales continue? Or have we eliminated all low-income immigrants, and strictly adopted those with $230k+ incomes to move into the city?
How many Canadian households have that income? There’s nothing on it on statscan because they’re lazy and don’t want to work. Probably less than 5% country, around 10% in Toronto.
Canada’s taxation policy never makes sense. It’s punitive. My household is now considered “high income” but won’t have a downpayment for a home for years. However I need to pay much more in income taxes to “help” people without a home.
Meanwhile people with $3 million homes in Vancouver they bought for $100k 30 years ago are considered low income, and don’t even have to pay their property taxes.
Well, thank Millennials for not voting their interests. They have the demographic weight to change things, but haven’t yet done so. In BC, old people can legally evade property taxes. This outrageous policy could be abolished tomorrow if everyone under 40 said “Enough!” and aggressively voted for politicians of the same mindset.
Not true. Igor seems to be confused about property tax deferral which is actually a HELOC. The taxes due become a first charge against title. i.e. ahead of any other mortgages and thus will be paid.
It’s a despicable, ageist policy that should be abolished. Can’t afford your property taxes? Then sell and move. You are not