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Financial Empowerment

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Personal Finance Short Description: Financial Empowerment is designed for a single-semester introduction to financial planning and decision-making, in order to provide first and second-year students with the necessary financial literacy and skills needed to make sound financial decisions, assess financial risk, and achieve financial success. This textbook attempts to speak to the varied backgrounds, knowledge systems, and experiences of Canadians by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from Elders, the Canadian financial system, and the economy. Long Description: The purpose of the Financial Empowerment adaptation is to take an accessible, student-focused, personal finance textbook from the United States and make it affordable and relevant for students in Canada. While many mainstream Canadian personal finance texts provide excellent content in terms of the mechanics of personal finance, they are expensive and not always relevant to the values and experiences of students in the classroom. Many mainstream personal finance texts fall short for Indigenous Canadians and non-Indigenous Canadians alike because they do not speak to the varied backgrounds, knowledge systems, and experiences of their readers. This textbook was adapted in order to motivate a broad range of students to learn about personal finance. The specific goals of this textbook are: to help students build a solid understanding of personal finance in order to achieve financial literacy and financial success by providing them with the skills and knowledge necessary to navigate short and long-term financial change; to tailor the content for a Canadian audience by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from the Canadian financial system and economy; to increase accessibility to financial education resources for students and general public alike regardless of where they live or study; to customize the content for Indigenous students in Canada and address student needs for practical and theoretical knowledge on financial decision-making and financial risk assessment; and to connect financial literacy with Indigenous Knowledge and history by threading Indigenous perspectives and interviews with Elders and other community leaders throughout the textbook. Word Count: 143750 ISBN: 978-1-990641-83-1 (Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Material Type: Textbook

Financial Empowerment: Personal Finance for Indigenous and Non-Indigenous People

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Personal Finance for Indigenous and Non-Indigenous People Short Description: Financial Empowerment is designed for a single-semester introduction to financial planning and decision-making, in order to provide first and second-year students with the necessary financial literacy and skills needed to make sound financial decisions, assess financial risk, and achieve financial success. This textbook attempts to speak to the varied backgrounds, knowledge systems, and experiences of Indigenous and non-Indigenous Canadians by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from Elders, the Canadian financial system, and the economy. Long Description: Financial Empowerment is an adaptation of the openly licensed textbook Personal Finance, v. 1.0 which was adapted by Saylor Academy (2012) under a Creative Commons Attribution-NonCommercial-ShareAlike 3.0 License without attribution as requested by the work’s original creator or licensee and is available here: http://www.saylor.org/site/textbooks/. The purpose of the Financial Empowerment adaptation is to take an accessible, student-focused, personal finance textbook from the United States and make it affordable and relevant for Indigenous and non-Indigenous people in Canada. While many mainstream Canadian personal finance texts provide excellent content in terms of the mechanics of personal finance, they are expensive and not always relevant to the values and experiences of students in the classroom. Many mainstream personal finance texts fall short for Indigenous Canadians and non-Indigenous Canadians alike because they do not speak to the varied backgrounds, knowledge systems, and experiences of their readers. This textbook was adapted in order to motivate a broad range of students to learn about personal finance. The specific goals of this textbook are: to help students build a solid understanding of personal finance in order to achieve financial literacy and financial success by providing them with the skills and knowledge necessary to navigate short and long-term financial change; to tailor the content for a Canadian audience by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from the Canadian financial system and economy; to increase accessibility to financial education resources for students and general public alike regardless of where they live or study; to customize the content for Indigenous students in Canada and address student needs for practical and theoretical knowledge on financial decision-making and financial risk assessment; and to connect financial literacy with Indigenous Knowledge and history by threading Indigenous perspectives and interviews with Elders and other community leaders throughout the textbook. Word Count: 143696 ISBN: 9780889775497 (Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Material Type: Textbook

Author: Bettina Schneider

Remix

BSA 110 Personal Finance

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BSA 110 -- Personal FinanceWelcome to the wonderful world of Finance (and money)!! The course is a 8 weeks, you need to keep up with the Modules.  There are 8 Modules, so we will complete one module every week.Personal Finance refers to how you manage your money, including your income, expenses, and savings. When you put effort into managing your personal finances, you have a better grasp on where your money is going and what changes you can make to meet your future financial goals.  Your Personal Finances are crucial in almost all aspects of your life.  How you handle your credit, what is your purchasing power, and am I prepared for retirement?  What are my short- and long-term financial needs?We will be looking at many different topics: Investing, The Fed, Stocks, Mutual Funds, and Retirement, to name a few.

Material Type: Full Course

Authors: Micah Weedman, Edmund Bushman

Payment Systems: Credit Cards Podcast

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The topic of this podcast is to introduce the basic attributes of credit cards and how the payment system handles error and fraud. At the conclusion of this podcast, you should be able to (1) identify the primary parties associated with credit card transactions; and (2) identify the applicable legal rules and the defenses of unauthorized charges, billing errors, and contractual defenses.

Material Type: Lecture

Author: Jennifer S. Martin

What Route is Best for ME to Buy a Vehicle?

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     This problem-based learning module is designed to link a student’s real-life problem to learning targets in the subjects of math, social studies and language arts.  The problem being, what route is best for me to buy a vehicle?  The students will prepare, research and present findings about their own personal finances relating to buying a vehicle.  The students will create two equations based on two purchasing plans they will be comparing.  At the conclusion, students will be able to decide which plan is best for them based on research and mathematical practices.  Students will present to their peers, teachers, administrators, and most importantly their parents in an attempt to convince them of their chosen plan.    This blended module includes teacher led instruction, student led rotations, community stakeholder collaboration and technology integration.

Material Type: Lesson Plan

Author: Blended Learning Teacher Practice Network

Financial Literacy - What is Banking?

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Opening a bank account is a great first step toward managing your finances. Banks are a convenient and safe way to store excess cash and grow your money. When you open up an account at a bank, you can easily deposit and withdraw cash, or set up direct deposits to receive a paycheck. In some bank accounts, the bank pays you an interest rate, allowing you to grow your cash over time.

Material Type: Reading

Financial Algebra (Oregon Blueprint, Version 1)

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The Financial Algebra Course engages students with real-world financial applications while maintaining deep mathematical rigor. The 10 units include: Taxes, Checking, Savings, Budgeting, Intro to Investing, Investing Strategies, Types of Credit, Managing Credit, Paying for College and Insurance. This course will be heavily collaboration and project based. Students will be required to use google drive, docs and sheets on a regular basis. This course has a distinction of Algebra 1/Integrated 1 or higher. This is a good course for 11th and 12th grade students as an alternative to Integrated 3/Algebra 2.

Material Type: Full Course

Authors: Oregon Coast STEM Hub, Oregon Department of Education

Budget Planner, Creative Notetaking Lesson

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This lesson Plan is for Financial Literacy and Budget Planning. The Standards were not listed in the Resource section so they are as follows: Analyze the role of cultural, social, and emotional influences on financial behavior. Evaluate the role of emotions, attitudes and behavior in making financial decisions. Recognize that individuals are responsible for their own financial decisions and for subsequent positive and negative consequences. Define a rational decision-making process and the steps of financial planning. Define opportunity cost (tradeoffs) and their role in decision making. Describe a rational decision - making process. Identify short- and long-term financial decisions and the impact they have on financial planning. Define the elements of a financial plan. Standard 1Identify and explain the process of budgeting based on calculated income. Develop a budget. Identify and prioritize fixed, fixed variable and variable budget categories. The Image for this Budget Planner was created by Sharon Pinkerton.

Material Type: Lesson Plan

Author: Sharon Pinkerton

Lesson Plans: Money Stories with an Indigenous Lens

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Money Stories is a series of 8 lessons dealing with financial matters of everyday life. The Money Stories Program originated when Elders at the Aboriginal Seniors Resource Centre (in Winnipeg, MB) had the idea that money management training should be taught to Indigenous youth with a focus on Indigenous values, culture, and traditional teachings. The Money Stories Curriculum was then developed and tweaked by current and past SEED Winnipeg Inc. staff. Everyone is welcome to review the Money Stories Curriculum presented here. Note: the attached materials are read-only. SEED Winnipeg Inc. kindly requests that organizations contact them directly via email or phone to request a printable version of the instructor’s manual and to order printed versions of the workbook (there will be a fee to recover costs for the workbook). Interested organizations should have like-minded goals and values that support individuals in any of these areas: financial empowerment, education, job readiness, or life skills training. Someone with facilitation experience is an asset.

Material Type: Lesson Plan

Author: Cindy Lowe

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