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Education Foundation

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Education Foundation Australia: making a difference since 1989
Education Foundation Australia is unique in its focus on philanthropic support for public education. It is the only independent, non-profit organisation in Australia that strengthens public education by investing private monies (philanthropic and corporate) into primary and secondary schools. Our focus is educational excellence and equality of opportunity.

Every child, regardless of home circumstance, deserves the best possible education. Our vision is that every student is imbued with the confidence, creativity and imagination to seize every opportunity and to contribute productively to the nation’s future.

Since 1989, we have raised $9 million which has been invested in the support of public schools to make a difference to the education of students, especially those who are disadvantaged or at risk of dropping out of school.

Our current Areas of Activity

1.  Transforming Learning in the Middle Years
The middle years 5 to 9 see a big drop off in student engagement in learning and school. If this is not addressed, students are at risk of leaving school early or switching off from learning. Conventional approaches to schooling – traditional classrooms, hierarchical teacher-student relationships and a rigid curriculum broken up into separate subjects – do not work for young people in the middle years. They need rich task learning in the real world that lets them explore their own interests and values. They need to be trusted and independent.

2.  Creating Community Solutions
Communities with high social capital are strong communities, able to overcome disadvantage and create opportunities for their members. Yet Australia is becoming a more isolated and less interrelated society, with weaker levels of community trust and reciprocity. Highly effective schools work closely with the local community in ways that have multiple benefits:

 

  • In a society where some young people lack trusting connections with adults, schools are bringing people together from across the community to support its youth. Community role models and volunteers can provide academic assistance, social and emotional support and positive role models for learning and life
  • Engaging the community in the school through corporate partnerships and other programs brings new resources to support school innovation and capability and reduces the isolation from which schools suffer
  • At the same time, government schools can be key agents for social cohesion and powerful conduits to community capacity-building.

3.  Seeding Student Opportunities
Socioeconomic background is the most important determinant of student achievement, more important even than what happens at school. Students from low socio-economic backgrounds are more likely to truant, have negative attitudes to school and leave school early. Australia has one of the widest achievement gaps between students from lower and higher socioeconomic backgrounds of all OECD countries.

The number of Australians living in poverty has grown by 30% over the past 3 decades. Improving young people’s educational prospects is the best way to reverse this trend, yet the cost of education and extra opportunities for children increasingly falls on families, creating a big problem for those already financially disadvantaged.

Innovative and responsive teaching can also make an enormous difference to student learning and life outcomes. Funding teacher innovation builds the capacity of schools to cater for all students, especially the most disadvantaged.

4. Driving new policy: bold research for real change
There are many historical and political reasons for the current structure and governance of school education in Australia. They explain, but do not justify, an education system that is producing growing regional disparities and entrenched disadvantage. The social and economic cost of continuing with this situation is too high. Debate about creative solutions to Australia’s education framework quickly gets bogged down in entrenched positions about public education versus choice, government versus non-government, public versus private and secular versus religious.

Home Insurance Considerations

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Home Insurance Considerations

In life, accidents and other forms of unfortunate events unfold randomly. You never know what the next minute holds, and as such, it is important always to be prepared. One way to ensure that you are protected from financial losses arising from whatever life throws at you is by getting an insurance cover. Home insurance is one of the most critical types of insurance. In most cases, your mortgage lender will require you to purchase this type of coverage. When looking for a policy, shop-comparison is the best way to obtain a reasonable deal that saves you money. Before you settle for a particular home insurance quote, consider the following factors:
The Level of Coverage
Typically, a homeowners’ policy will include liability protection, coverage for your personal belongings in the house, coverage for your home’s structure and the cost of living expenses in the event of a covered incident that renders the house inhabitable for a given period. These are the standard types of coverage in this type of policy and if your Home Insurance by Youi quote doesn’t include one of them, reconsider your choice.

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Deductibles
A deductible refers to the out-of-pocket amount you will pay towards your claim in case of an insured disaster. Pay attention to the deductible before you settle on a home insurance quote to avoid surprises. A deductible will also affect your monthly premium. A higher deductible results in a lower premium while a lower deductible leads to a higher premium.
Terms of Reimbursement
In the event of an insured disaster, there are two compensation options to consider before getting a home insurance quote. It can be the replacement cost or the real cash value. Real cash value reimbursement incorporates depreciation in the payment of your claim resulting in a smaller amount. Replacement cost will pay for the amount of repairing or rebuilding your house with materials of similar quality at that particular moment and does not include depreciation.
Insure your home and protect yourself from financial devastation in the face of disaster. Shop-compare to ensure that you get a reasonable home insurance quote without compromising the quality of your coverage.

Car Insurance

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Car Insurance

Car insurance is meant to help policyholders recover injury expenses and damages related to various incidents. The point of insurance is not to ensure you always come out of an incident with a financial gain, rather insurance is there to minimize any financial hardships.

The whole concept of Youi Car Insurance is to transfer risk. When you pay a car insurance company your monthly, bi-annual, or yearly premium they take over much of the risk that is involved with potential incidents.

Why Should You Get Car Insurance?

It doesn’t matter how good of a driver you are, things can happen. Every time you get behind the wheel of your car, you are taking a risk. Many forget that they are placing their trust in everyone else that is on the road with them.

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At any time there is a mistake made and an accident occurs, you are taking a financial risk. Even if the accident is not your fault, it doesn’t mean you are always off of the hook for payment. Underinsured or uninsured drivers can leave you paying for your medical expenses and repairs for the damage to your vehicle.

When you are at fault, you will be responsible for the damages to the other person’s car and injuries they incurred. Your insurance company is there to take on that financial burden so you don’t have to.

Depending on what type of insurance policy you decide to get, you may be responsible for paying for your own medical expenses and to fix damages on your car. This is why paying attention to the type of insurance policy that you agree to is so important.

Types of Car Insurance Policies

There are various forms of coverage that you can get from your auto insurance company. It’s important to realize what each form of coverage entails so that you can best match your needs with the right policy for you.

The three main forms of insurance are liability, collision, and comprehensive. There are other add-on coverages, such as rental reimbursement and roadside assistance, which you can opt for as well.

Liability – This is the lowest level of coverage you can have. It covers any damage or injuries that other drivers incur due to your driving.

Collision – This covers both yours and the other person’s vehicle during a collision if it was deemed your fault. You will still need to pay a deductible before your coverage kicks in.

Comprehensive – This insurance policy covers a whole slew of incidents that could occur to your car, other than just a collision. For example, a tree falling on your car. You will also be responsible for paying a deductible under this plan.