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If you trade the forex markets regularly, chances are that a lot of your trading is of the short-term variety; i. From my experience, there is one major flaw with this type of trading: h igh-speed computers and algorithms will spot these patterns faster than you ever will. When I initially started trading, my strategy was similar to that of many short-term traders. That is, analyze the technicals to decide on a long or short position or even no position in the absence of a clear trendand then wait for the all-important breakout, i. I can't tell you how many times I would open a position after a breakout, only for the price to move back in the opposite direction - with my stop loss closing me out of the trade. More often than not, the traders who make the money are those who are adept at anticipating such a breakout before it happens.

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Flo flexible learning options investing

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She attributes her success with our FLO program due to the fact that there were less people in the learning space compared to mainstream education. Because of this, she was able to focus on her own learning. Her case workers were able to help her realise the importance of gaining an education. You go at your own speed and take as much or as little time as you need," she said.

It highlights the importance of tailored casework to help them take the lead in addressing their individual challenges, boost aspirations, achieve learning goals as well as pursue post-school employment, training and further learning goals," Adam said. Purpose - 'Inspired by Jesus Christ, Mission Australia exists to meet human need and to spread the knowledge of the love of God'. Skip to content press enter. What we do Ending homelessness What is homelessness?

Mission Australia Housing Children, youth, families and communities Understanding young people Keeping children and young people safe What is domestic and family violence? As a guide:. This is important to ensure that students have a range of potential education pathways open to them, and that achievements within the program are translated into other learning environments.

FLOs, through their host schools, should utilise the career education funding for senior secondary students Years 10 to 12 to develop students' knowledge of training and employment options and develop their skills and capabilities to effectively manage their careers and transitions.

Host schools receiving career education funding should ensure that the FLOs are delivering on the full senior secondary curriculum, including career education. Further, each student should have a career action plan that recognises their interests and strengths, and supports a successful transition to further education, training or employment.

It is the responsibility of the school and FLO to ensure that students remain in education. Students of compulsory school age are required to be attending school including FLO. Where a transition to other education, training or employment is being considered, strict guidelines and approval processes apply. For more information, refer to: Exemptions from Attendance and Enrolment Policy. As with all educational settings within the Victorian government system, the focus for Flexible Learning Options FLOs should be on student achievement, wellbeing and engagement.

FLOs should strive to set high expectations and achieve progress in outcomes for every child or young person, regardless of their starting point, and utilise a range of qualitative and quantitative methods to measure this. The Framework for Improving Student Outcomes FISO provides a basis for education settings to effectively plan and target their resources towards initiatives that will have the greatest impact on improving student outcomes.

Specifically, research shows that the following elements are evident in high quality FLOs:. FISO is an evidence-based, system-wide, school-led improvement framework to increase the focus on student learning and build the capacity of the school system in Victoria. Every Victorian government school is supported to implement FISO by focusing on key areas of school improvement known to have the greatest impact. The FISO Improvement Model has been designed to lift student achievement in all education settings, including FLOs, and for all students, including those with additional needs.

Leaders and staff in FLOs should be using FISO to focus their efforts on evidence-based initiatives that will deliver the greatest improvement in outcomes for their students. The graph shows priorities that are proven to have a strong bearing on student achievement, engagement and wellbeing. The graph is circular and contains 3 circles. The first circle contains the words 'student achievement, engagement and wellbeing'. Surrounding this, the second circle contains the 4 key priorities broken into colour-coded parts.

The third circle contains the relevant FISO dimensions for each key priority, indicated with the corresponding colour. The guidance supports the application of the 8 Essential Elements login required and provides practical examples of key improvement strategies and actions for FLO environments as a starting point for FLOs as they undertake the stages of the FISO Improvement Cycle.

It is expected that FLOs are incorporated into this cycle through this process. This decision should be agreed between the principal and the senior education improvement leader SEIL , based on the:. From onwards all FLOs will be explicitly included in the school review process.

Each year, the Department will identify schools in cycle for review that have an existing FLO campus or in-school program and work with the host school to determine how this FLO setting will be included in the school review process.

Flexible government schools will continue with their existing review process arrangements. However, in all cases the decision for the review process to be undertaken will be based on agreement between the school principal and senior education improvement leader SEIL , or escalated to the relevant Executive Director, School Improvement if required.

AIP Annual implementation plan, outlining how a school plans to implement, monitor and evaluate its school strategic plan. Community VCAL An arrangement whereby the Victorian Certificate of Applied Learning is fully delivered by a registered non-school senior secondary provider but contracted by a school.

Individual education plan or individual learning plan A set of strategies to address the particular educational needs of a child or young person in order to maximise their participation and achievement in education. PAL Policy and Advisory Library that contains legislative requirements, governance, advice and operational policies for Victorian government schools.

Region or regional team Refers to the 4 Department of Education and Training regions, including the 17 area teams. SSS Student Support Services — in-school specialised assistance for students facing a range of barriers to learning to achieve their educational and developmental potential.

TAL Team Around the Learner — a framework for individualised, holistic and team-based approach to support learners at risk of disengaging. TAL involves key people working together to coordinate a plan to meet the needs of the learner and to support them to engage in education. Black, R. Melbourne: Foundation for Young Australians. Government of New South Wales. Cole, P. For DET unpublished. Davies, M. Dryfoos, J. The Future of Children, Vol.

Freeman, J. Review of Educational Research June , Vol. Gutherson, P. CfBT Education Trust. Hancock, K. Harper, A. Hayes, D. Journal of Education Policy, 27 5 , ICAN Progress report. Government of South Australia. KMPG A framework for education provision to children and young people at risk of disengaging or disengaged from school. Mills, M. Brisbane: Youth Affairs Network Queensland. London: Routledge.

Second ed. Routledge, Oxon. Quality Framework for Flexible Learning Options. Phillips, R. Toward authentic student-centered practices: Voices of alternative school students. Education and Urban Society, 45 6 , Plows, V. Victoria University, Melbourne. Schwab, J. Smyth , J. Blurring the boundaries: from relational learning towards a critical pedagogy of engagement for disengaged disadvantaged young people. Department for Education, UK.

Te Riele, K. Putting the jigsaw together: Flexible learning programs in Australia. Final report. International Journal of Inclusive Education, , Wilkins, J. A literature map of dropout prevention interventions for students with disabilities. Woodward Consultants Review of the Pavilion School. Zyngier, D. Non-traditional and non-systemic educational Programs in Frankston Mornington Peninsula secondary Schools. Melbourne: Faculty of Education, Monash University.

There are a range of support services, strategies and resources available to schools and flexible-learning options FLOs to support the engagement and wellbeing of vulnerable students. These include:. For assistance accessing these services or resources, schools should contact their senior education improvement leader SEIL or other appropriate regionally based staff member.

Professional development opportunities are available to assist school leaders and teachers in building their capacity and addressing issues relating to student wellbeing and disengagement. As Victorian government school staff, staff within FLOs can access all of the same professional development opportunities as other school staff.

Refer to:. Other capacity building opportunities may be available locally, including outreach services offered by FLO providers. Schools should contact their SEIL in the first instance for more information. Skip to main content. Policy last updated 10 May Scope Schools. Date: February On this page:. Summary A FLO is an educational setting that supports students at-risk or already disengaged from education. Students at risk of disengagement should be attending FLOs only in instances where their needs are not able to be met in mainstream school and should only be used as a short term option.

The referral of a student to a FLO should be agreed upon between the referring school, the student, their family or carer and the FLO and if required, approval by the region. It is mandatory that schools follow the Flexible Learning Options Mandatory Guidelines and Procedures set out in the Guidance tab when considering student eligibility, referral processes and contractual agreements between the referring school and the provider where appropriate.

Where appropriate, schools must follow the FLO online referral approval process staff login required to gain approval from the Local Area Executive Approver, or, in some specific circumstances, the Regional Director — refer to Referrals below for more information. Details Types of FLOs There are 3 interrelated categories of FLOs within the Victorian Government education system: Flexible learning government schools — Victorian Registration and Qualifications Authority VRQA registered schools offering a flexible, individualised curriculum Flexible learning campuses — learning settings or programs that are standalone, registered campuses of Victorian government schools under the VRQA Flexible in-school programs — learning programs that are delivered within the school.

They can be in partnership with other schools or external providers. Non-government FLOs re-engagement programs There are a range of non-government flexible settings that offer similar supports, such as VCAL delivered by a non-school provider. Eligibility to attend a Victorian government FLO Students at risk of disengagement should be referred to FLOs only in instances where their needs are not able to be met in mainstream school, and where in-school strategies such as access to specialist services and classroom differentiation are unsuitable or have proven to be ineffective.

Referrals The referral of a student to a FLO should always be agreed between the referring school, the student, their family or carer and the FLO and if required, the region , and should first and foremost consider the best interests of the young person. The specific eligibility criteria of each FLO will vary. A referral is not required for: flexible learning government schools other flexible learning settings and arrangements not in scope refer to Scope and definitions.

Transitions and pathways from FLOs FLOs should prioritise the achievement of meaningful education or employment pathways for students beyond the program. Quality assurance in FLOs Schools should draw on the Framework for Improving Student Outcomes FISO in order to effectively plan and target resources towards initiatives that will have the greatest impact on improving student outcomes. Definitions Flexible Learning Options A FLO is an educational setting that supports students at-risk or already disengaged from education.

Regional offices may also be contacted for queries regarding the Flexible Learning Options policy. Policy owner: Engaging Students at Risk Branch. Specifically, the Guidance and Procedures aim to: provide an overarching policy framework that underpins the operation of FLOs within the Victorian government school system support the broader vision of the Victorian government school system to be inclusive of the needs of all students clarify roles and accountabilities of FLOs, schools and the Department of Education and Training Department in relation to the operation of FLOs outline the process for seeking DET approval for FLO placements highlight the requirement for FLOs to be, or to operate within, registered specialist or specific purpose schools with the Victorian Registrations and Quality Authority VRQA support the continued improvement and development of high quality FLOs complement the core responsibilities of schools as outlined in the Policy and Advisory Library PAL for schools.

Introduction and context The Victorian government school system aims to be inclusive and support the needs of all students, regardless of background or circumstance. For the purposes of these Guidelines and Procedures, it is useful to consider FLOs in 3 interrelated categories: 1. Flexible learning government schools Victorian Registrations and Quality Authority VRQA registered specialist or specific purpose schools that primarily enrol students that are at-risk or have already disengaged from education, such as community schools.

Flexible learning campuses Learning settings or programs that are standalone, registered specialist or specific purpose campuses of Victorian government schools that are specifically targeted at students at risk of disengagement, and are provided as an alternative to the main campus.

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Donate now. It calls for a long-term commitment from the SA government to support the initiative, as well as expansion of the program to other parts of Australia. The FLO program provides casework support and individualised learning programs for high school students who have disengaged from mainstream schooling. Mission Australia has run FLO in South Australia since and currently supports more than students across 32 different schools across the state.

At this time, she was couch-surfing and didn't see the point of school. I hated the structure, the routine, the homework and even the uniform," Indigo explained. She attributes her success with our FLO program due to the fact that there were less people in the learning space compared to mainstream education. Because of this, she was able to focus on her own learning. Her case workers were able to help her realise the importance of gaining an education. Founded in by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services.

Stock investing, when done well, is among the most effective ways to build long-term wealth. We are here to teach you how. There's quite a bit you should know before you dive in. Here's a step-by-step guide to investing money in the stock market to help ensure you're doing it the right way.

The first thing to consider is how to start investing in stocks. Some investors choose to buy individual stocks, while others take a less active approach. The good news is that regardless of which of these statements you agree with, you're still a great candidate to become a stock market investor. The only thing that will change is the "how. First, let's talk about the money you shouldn't invest in stocks. The stock market is no place for money that you might need within the next five years, at a minimum.

Now let's talk about what to do with your investable money -- that is, the money you won't likely need within the next five years. This is a concept known as asset allocation , and a few factors come into play here.

Your age is a major consideration, and so are your particular risk tolerance and investment objectives. Let's start with your age. The general idea is that as you get older, stocks gradually become a less desirable place to keep your money. If you're young, you have decades ahead of you to ride out any ups and downs in the market, but this isn't the case if you're retired and reliant on your investment income.

Here's a quick rule of thumb that can help you establish a ballpark asset allocation. Take your age and subtract it from This is the approximate percentage of your investable money that should be in stocks this includes mutual funds and ETFs that are stock based. The remainder should be in fixed-income investments like bonds or high-yield CDs. You can then adjust this ratio up or down depending on your particular risk tolerance.

For example, let's say that you are 40 years old. If you're more of a risk taker or are planning to work past a typical retirement age, you may want to shift this ratio in favor of stocks. On the other hand, if you don't like big fluctuations in your portfolio, you might want to modify it in the other direction.

All of the advice about investing in stocks for beginners doesn't do you much good if you don't have any way to actually buy stocks. To do this, you'll need a specialized type of account called a brokerage account. And opening a brokerage account is typically a quick and painless process that takes only minutes. You can easily fund your brokerage account via EFT transfer, by mailing a check, or by wiring money. Opening a brokerage account is generally easy, but you should consider a few things before choosing a particular broker:.

First, determine the type of brokerage account you need. For most people who are just trying to learn stock market investing, this means choosing between a standard brokerage account and an individual retirement account IRA. Both account types will allow you to buy stocks, mutual funds, and ETFs. The main considerations here are why you're investing in stocks and how easily you want to be able to access your money. If you want easy access to your money, are just investing for a rainy day, or want to invest more than the annual IRA contribution limit , you'll probably want a standard brokerage account.

On the other hand, if your goal is to build up a retirement nest egg, an IRA is a great way to go. IRAs are very tax-advantaged places to buy stocks, but the downside is that it can be difficult to withdraw your money until you get older. The majority of online stock brokers have eliminated trading commissions, so most but not all are on a level playing field as far as costs are concerned.

However, there are several other big differences. For example, some brokers offer customers a variety of educational tools, access to investment research, and other features that are especially useful for newer investors. Others offer the ability to trade on foreign stock exchanges. And some have physical branch networks, which can be nice if you want face-to-face investment guidance. There's also the user-friendliness and functionality of the broker's trading platform.

I've used quite a few of them and can tell you firsthand that some are far more "clunky" than others. Many will let you try a demo version before committing any money, and if that's the case, I highly recommend it. Browse top stock brokerages. Now that we've answered the question of how you buy stock, if you're looking for some great beginner-friendly investment ideas , here are five great stocks to help get you started.

Of course, in just a few paragraphs we can't go over everything you should consider when selecting and analyzing stocks, but here are the important concepts to master before you get started:. It's a good idea to learn the concept of diversification , meaning that you should have a variety of different types of companies in your portfolio. However, I'd caution against too much diversification.

Stick with businesses you understand -- and if it turns out that you're good at or comfortable with evaluating a particular type of stock, there's nothing wrong with one industry making up a relatively large segment of your portfolio. Buying flashy high-growth stocks may seem like a great way to build wealth and it certainly can be , but I'd caution you to hold off on these until you're a little more experienced.

It's wiser to create a "base" to your portfolio with rock-solid, established businesses. If you want to invest in individual stocks, you should familiarize yourself with some of the basic ways to evaluate them. Our guide to value investing is a great place to start. There we help you find stocks trading for attractive valuations. And if you want to add some exciting long-term-growth prospects to your portfolio, our guide to growth investing is a great place to begin.

Related: When to Sell Stocks. Here's one of the biggest secrets of investing, courtesy of the Oracle of Omaha himself, Warren Buffett. You do not need to do extraordinary things to get extraordinary results. Note: Warren Buffett is not only the most successful long-term investor of all time, but also one of the best sources of wisdom for your investment strategy.

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FBH Episode 4- FLO Trading Strategy with @OPT_FLOrida and @MandoTrading

Flexible Learning Options (FLO) is a Department for Education initiative. It is a secondary student enrolment strategy aimed to assist schools and the wider. Flexible Learning Options (FLO) Program. The FLO Program aims to assist students who seek learning and support outside of a mainstream setting. The Nuriootpa Flexible Learning Centre (FLC) is a Department for Education learning initiative which provides an alternate adult learning.