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Will Homeschooling Parents Save Edtech? - Forbes (Full Access)   

In September, Sandra Testo pulled her 14-year-old son, Keaton, out of his public middle school in Trinity, Florida—a response, she says, to years of bullying that had left him so anxious he ended up routinely hiding out in the school nurse’s office. Keaton now spends his days at home, completing his 8th grade coursework via Outschool, an online learning platform that offers live virtual classes for K-12 students. On Tuesdays, he attends a Christian co-op with other kids his age to study art and play basketball. “It’s been the best thing,” Sandra Testo says. “His demeanor has changed. He’s just so calm now.” Testo pays about $300 per month for Outschool from an educational savings account (ESA) funded by Florida.

Homeschooling is booming for a variety of reasons, but chief among them are dissatisfaction with public schools that spiked during the Covid-19 pandemic and $5 billion a year (and growing) of state stipends for families opting for public school alternatives. Those can include traditional private schools, online classes, homeschooling and microschools—networks of in-person learning “pods” with one teacher and a dozen to two dozen kids, often using online courses.

It all adds up to a growing parent-driven market for the edtech industry, says Michael Moe, founder and CEO of GSV Ventures, which backs educational startups. “Personally, I think the most exciting opportunity is in microschools, but homeschool, charter schools, low-cost private schools and virtual charter schools are all positioned well for this coming boom,” he says.

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Dividend Investing: Why The Dogs Of The Dow Can Still Hunt - Forbes (Full Access)   

Like metallurgists of antiquity who sought a method for turning base metals into gold, stock market investors are constantly on the hunt for a formula or a guide that reliably produces positive investment returns and gives them an edge on the overall market. The principle of Occam’s razor suggests that solutions involving fewer variables are preferable to those that require more inputs. Simpler is better because getting the job done with just a few moving parts carries less risk of confusion and failure than a highly complex system.

If reliability and simplicity are what you seek in stock market investing, it’s hard to beat the Dogs of the Dow. The investment strategy calls for buying equal dollar amounts of each of the 10 stocks in the Dow Jones Industrial Average with the highest dividend yields as a new year begins. After holding these stocks for 12 months, you rebalance the portfolio into the 10 stocks with the highest dividend yields one year hence and repeat the process annually. The idea is to catch high-quality companies while they’re temporarily down on their luck and bargain-priced, and to get paid by the dividends while you wait for the eventual recovery.

“Historically, dividends have been about half of a stock’s total return, and dividends are very stable, but stock prices are volatile,” says Michael O’Higgins, the Miami-based money manager who promulgated the strategy 33 years ago in his book, Beating The Dow, although the “dogs” moniker was coined later in the 1990s by Andrew Bary in Barron’s.

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