Texas Essential Knowledge and Skills for Kindergarten §110.11. English
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Financial Literacy: an Essential Tool for Informed Consumer Choice?
NBER WORKING PAPER SERIES FINANCIAL LITERACY: AN ESSENTIAL TOOL FOR INFORMED CONSUMER CHOICE? Annamaria Lusardi Working Paper 14084 http://www.nber.org/papers/w14084 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 June 2008 I would like to thank Keith Ernst, Howell Jackson, Kevin Rhein, Peter Tufano, and participants to the conference "Understanding Consumer Credit: A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers," Harvard Business School, November 2007, and the conference "Consumer Information and the Mortgage Market," Federal Trade Commission, Washington, D.C., May 2008 for suggestions and comments. This paper builds on several projects I have written in collaboration with Olivia Mitchell, whom I would like to thank for her encouragement, support, and many suggestions. Audrey Brown provided excellent research assistance. Any errors are my responsibility. This paper was written while visiting Harvard Business School and I would like to thank them, and in particular Peter Tufano, for their hospitality. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Annamaria Lusardi. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi NBER Working Paper No. -
President's Advisory Council on Financial Literacy
President’s Advisory Council on Financial Literacy A D V I S O ’ S R T Y N C E O D U I N S C E I R L P O Y N C A F R I N E A I T N C I A L L 2008 Annual Report to the President President’s Advisory Council on Financial Literacy “ We want people to own assets; we want people to be able to manage their assets. We want people to understand basic financial concepts, and how credit cards work and how credit scores affect you, how you can benefit from a savings account or a bank account. That’s what we want. And this group of citizens has taken the lead, and I really thank them…” “ When we look back at this council…people will say we’re glad that the administration took the action it took because somebody’s life is going to be better as a result of it.” President George W. Bush January 22, 2008 THE DEPARTMENT OF THE TREASURY III President’s Advisory Council on Financial Literacy Members of the President’s Advisory Council on Financial Literacy Charles R. Schwab, Chairman and Founder, The Charles Schwab Corporation, San Francisco, California – Chairman John Hope Bryant, CEO and Founder, Operation HOPE, Los Angeles, California – Vice Chairman Ted Beck, President and CEO, National Endowment for Financial Education (NEFE), Greenwood Village, Colorado Ted Daniels, President and CEO, Society for Financial Education and Professional Development, Arlington, Virginia Vice Admiral Cutler Dawson, President and CEO, Navy Federal Credit Union, Vienna, Virginia Dr. -
State Banking on Financial Literacy New Model Debt Policy Released; Deadline for Public Input Sept 15
1-TENNESSEE TOWN & CITY/AUGUST 23, 2010 www.TML1.org 6,250 subscribers www.TML1.org Volume 61, Number 14 August 23, 2010 Haslam, McWherter to face off in November GOP candidate Knoxville Mayor Bill Haslam prevailed in a three-way Republican primary race for governor. He won with 47 percent of votes, followed by 3rd District U.S. Rep. Zach Wamp in second place with almost 30 percent and Lt. Governor Ron Ramsey in third with 22 percent. Save the Dates! Meanwhile, West Tennessee businessman Mike McWherter is uncontested on the Demo- TML Annual Conference cratic side. He was unopposed after four Democratic opponents withdrew from the race. The two candidates will square off in three June 12 - 14, 2011 gubernatorial debates planned for this fall with the first scheduled for Sept. 14 in Cookeville. Congress Murfreesboro Convention Center Several Congressional races were also hotly contested. In District 9, incumbent Steve Cohen easily won his democratic primary over New Model Debt Policy former Memphis Mayor Willie Herenton. Cohen received 79 percent of the vote over GOP candidate Knoxville Herenton’s 21 percent. Mayor Bill Haslam will released; deadline for GOP challengers battled it out in District 8, face Democratic nomi- with Stephen Fincher winning the primary with nee Mike McWherter in 48.5 percent over Ron Kirkland’s 24.4 percent the November general public input Sept 15 and George Flinn’s 24 percent. Fincher will election, to determine face state Sen. Roy Herron, the Democratic who will serve as the 49th State Comptroller Justin Wilson Tennessee governmental debt issu- nominee, in the general election for the chance Governor of Tennessee. -
2021-2022 Student Handbook
2021-2022 STUDENT HANDBOOK TRINIDAD STATE COLLEGE www.trinidadstate.edu 1-800-621-TSJC IT Support 719-846-5663 Trinidad State College Student Handbook 2021-2022 This handbook exists to help students understand college processes and to identify and locate services available through Trinidad State College (TSC). The Student handbook is only one of the many resources available. Although we strive for accuracy, this handbook should not be considered an expressed or implied contract between TSC and any current or prospective Student. To the extent that any provision of this Handbook is inconsistent with State or Federal law, State Board for Community Colleges and Occupational Education Policies or Colorado Community College System Procedures, the law or the appropriate Board Policy or System Procedure shall supersede and control. Policies and Procedures are subject to change throughout the year and are effective immediately upon adoption by the Board or System Chancellor, respectively. Students are expected to be familiar with and adhere to college policies, as well as College directives, including, but not limited to the contents of this Handbook. To access all Board Policies (BPs) and System Procedures (SPs), visit the Colorado Community College System website at: https://www.cccs.edu/about-cccs/state-board/policies-and-procedures/ TSC reserves the right to modify, change, delete or add to the information in this Handbook, as it deems appropriate. Information in this handbook is subject to change without notice. 1 President’s Welcome Welcome to Trinidad State College! Trinidad State is an exceptional college serving students with two campuses in beautiful southern Colorado. -
Lincolnsudbury Regional School District Residency Policy
LincolnSudbury Regional High School 390 Lincoln Road Sudbury, MA 01776 LINCOLNSUDBURY REGIONAL SCHOOL DISTRICT RESIDENCY POLICY The LincolnSudbury Regional School Committee feels that students best flourish in a supportive school environment that is in concert with an equally supportive home environment. With the exception of rare and unique circumstances, a student’s residence is the home where his or her parent(s) or legal guardian(s) reside. In circumstances where parents or guardians live separately and custody is shared, or another arrangement exists, one guideline that the Superintendent/Principal will use in any residence consideration is whether or not the district is the principal location of the student’s domestic, social and civil life. In order to attend LincolnSudbury Regional High School, a student must be a resident dependent, with his/her parent(s) or legal guardian(s), of either the Town of Lincoln or the Town of Sudbury as defined in MA General Law Chapter 76, Section 5 or qualify in accordance with one of the following exceptions: o A student participating in the METCO Program o A student participating in the Student Exchange Program o A student whose parent or legal guardian is an employee of LincolnSudbury Regional School District (teacher, administrator, clerical, educational support or buildings & grounds) who works a minimum of 20 hours per week and who would also be eligible for such benefits as health insurance. o A student whose parent or legal guardian is an employee of the Lincoln or Sudbury Public Schools, provided that said school districts have a policy which provides dependent children of LincolnSudbury Regional School District employees equivalent access and said policy is implemented in the same manner as this policy is implemented. -
Husson University Student Handbook
HUSSON UNIVERSITY STUDENT HANDBOOK 1 College Circle • Bangor, ME 04401-2999 Revised: August 25, 2021 HUSSON UNIVERSITY STUDENT HANDBOOK WELCOME FROM THE OFFICE OF STUDENT LIFE Fall 2021/Spring 2022 Welcome to the 2021-2022 academic year at Husson University! On behalf of the Husson University community, it is our pleasure to welcome you to a new and exciting year. You are joining a community with a long history of transforming lives and preparing students for success. The academic classes and experiential learning opportunities will give you a solid foundation as you pursue your lives and careers. The information in this Student Handbook provides you with a detailed guide to campus life. Some components may not be as applicable this year due to guidelines related to COVID-19, but they are provided for your reference. Husson Student Life offers you both enriching and supporting opportunities that extend your education beyond the classroom. Residence life, athletics and intramurals, student employment, student government, student activities, and clubs and organizations are important university life programs that create experiences for leadership, service and personal growth. It is our expectation that you will use this Handbook to become more informed about our community standards and the expectations for all students as well as the numerous opportunities to you here at Husson University. We wish you the very best in the upcoming academic year and welcome you as part of the Husson University community. Sincerely, The Division of Student Life • Campus Chaplain • Community and Student Engagement • Commuter Services • Residence Life • Student Activities • Student Development • Wellness Center (Counseling Services and Student Health Services) UPDATED: August 12, 2021 HUSSON UNIVERSITY STUDENT HANDBOOK VISION Husson will be a University of choice for premier professional programs where students succeed, experiential learning is championed and global engagement is emphasized. -
Alternative Education A
CHAPTER 4: Alternative Education A. What is alternative education? n continuation schools n juvenile court schools The term ”alternative education” refers to schools n and programs that students may either decide to go opportunity classrooms to as a voluntary transfer, or are forced to go to as the See a comparison chart of these examples on page 21. result of an expulsion or involuntary transfer. Each alternative school or program operates differently B. What is the difference between a and should meet the specific needs of the students it is voluntary and an involuntary transfer? trying to help. They may be helpful for some students, n An involuntary transfer is often the result of like those who need to make up course credits, or need a student getting in trouble and/or missing too more flexibility due to their personal life. However, they much school. A student can be involuntarily are also used as a placement for students because of transferred to an alternative school or program behavior issues. In general, they do not provide the against their wishes or the wishes of the parent or same educational or extra-curricular opportunities as guardian only in very limited circumstances. traditional, comprehensive schools. Alternative schools and programs tend to have fewer types of classes and n A voluntary transfer is often proposed by extracurricular activities (such as sports and student school/district staff as a way of avoiding an clubs) than traditional schools. They may not offer the expulsion—but it is optional. It is usually not courses your child needs to graduate or to prepare in a student’s best interests and generally not for college available each semester. -
The Kindergarten Student
THE KINDERGARTEN STUDENT Kindergartners are curious and eager to learn. Each specific task that absorbs them is part of a larger need to make sense of the world around them. They learn through acquiring information from adults and from observing what is happening around them, through observing and practicing skills of various kinds, through feelings and certain habits of mind (cooperation, curiosity, trust, etc.), and from being with others who exhibit these dispositions. The kindergarten classroom offers children an environment that nurtures their natural curiosity and love of learning, and that expands their perceptions of the world. It provides meaningful, concrete experiences, which are fundamental to the way young children learn. Learning is encouraged through active involvement: observing, comparing, investigating, manipulating, and problem solving. The kindergarten classroom provides experiences that allow children to make choices and decisions, to question, to take risks, to make mistakes and try again (it is often as a result of mistakes that learning takes place), and to enjoy many successes. Each child is unique, an individual with his or her own learning style and learning timetable. To accommodate individual differences, the kindergarten classroom makes a wide variety of materials and activities available. Teachers understand each child as an individual, and support and encourage each child in work and play. Parents/guardians are encouraged to be partners in their child’s educational process. They can provide information about their child, supplement the teaching and learning experiences at home, and provide assistance in the classroom as volunteers and resource people. GOALS OF THE KINDERGARTEN PROGRAM One of the main goals of the kindergarten program is to encourage the growth of positive and socially responsible attitudes in children. -
DEER CREEK SCHOOLS PRE-KINDERGARTEN ENROLLMENT PROCEDURES 2020-2021 Due to Student Population Growth and Restricted Capacity, Al
DEER CREEK SCHOOLS PRE-KINDERGARTEN ENROLLMENT PROCEDURES 2020-2021 Due to student population growth and restricted capacity, all Pre-Kindergarten classes will be held at Rose Union Elementary for the 2020-2021 school year. The consolidation of Pre-Kindergarten classes to Rose Union will allow us to continue providing a quality program for our Pre-K students while accommodating student growth in all of our elementary sites without changing elementary boundaries through the redistricting process. A free Pre-Kindergarten program will be offered on a space available basis for the 2020-2021 school year at the following site: Rose Union. The Pre-Kindergarten program enrollment will be open across the district. At the completion of the Pre-Kindergarten year, students attending Pre-Kindergarten should expect to attend their neighborhood school for Kindergarten. ELIGIBILITY: ⑨ Students must be at least four years of age on or before September 1, 2020, or not five years of age before June 1, 2021. (Born between June 1, 2015 and September 1, 2016) ⑨ Parent or legal guardian must be a resident of the Deer Creek Public School District. APPLICATION PROCEDURES: ⑨ Parents who are interested in having their child in one of the full day Pre-Kindergarten classes may complete the online application located on the district website. ⑨ Online applications will ONLY be accepted until January 22, 2020, for initial Pre-Kindergarten placement. ONLY ONE APPLICATION PER CHILD MAY BE SUBMITTED. IF MORE THAN ONE APPLICATION FOR A CHILD IS SUBMITTED, ALL APPLICATIONS FOR THAT CHILD WILL BE WITHHELD FROM THE DRAWING AND THE CHILD’S NAME WILL BE ADDED TO THE BOTTOM OF THE WAITING LIST. -
School Shooting, Violence and the Reconstruction of Education
Forthcoming in The Possibility/Impossibility of a New Critical Language in Education, edited by Ilan Gur-Zeev. Rotterdam: Sense Publishers. School Shootings, Violence, and the Reconstruction of Education: Some Proposals Douglas Kellner In my book Guys and Guns Amok: Domestic Terrorism and School Shootings from the Oklahoma City Bombings to the Virginia Tech Massacre (Kellner 2008), I have argued that there are many causes to the rise of school violence and events like the Columbine and Virginia Tech school shootings. Complex historical events like the Iraq invasion or the Virginia Tech and Columbine shootings require a multiperspectivist vision and interpretation of key factors that constitute the constellation from which events can be interpreted, explained, and better understood. Thus addressing the causes of problems like societal violence and school shootings involves a range of apparently disparate things such as critique of male socialization and construction of ultramasculine male identities, the prevalence of gun culture and militarism, and a media culture that promotes violence and retribution, while circulating and sensationalizing media spectacle and a culture of celebrity. Such a constellation helps construct the identities, values, and behaviour that helps incite individuals to use violence to resolve their crises of masculinity through creation of an ultramasculine identity and media spectacle, producing guys and guns amok. Accordingly, solutions that I suggest to the problems of school violence and shootings in Guys and Guns Amok range from more robust and rational gun laws, to better school and workplace security with stronger mental health institutions and better communication between legal, medical, and school administrations, to the reconstruction of masculinity and the reconstruction of education for democracy. -
Grade 11 Argumentative Performance Task: Mandatory Financial Literacy Classes 1
Grade 11 Writing Prompt Write an essay for your state school board arguing whether or not credit from a financial literacy class should be required for graduation. Your essay must be based on ideas, concepts, and information from the “Mandatory Financial Literacy?” passage set. Manage your time carefully so you can • plan your essay; • write your essay; and • revise and edit your essay. Be sure to • include a claim; • address counterclaims; • use evidence from multiple sources. Do not over rely on one source. Type your answer in the space provided. Grade 11 Argumentative Performance Task: Mandatory Financial Literacy Classes 1 Working Financial Literacy in With the Three R's by Tara Siegel Bernard Most Americans aren't fluent in the language of money. Yet we're expected to make big financial decisions as early as our teens—Should I take on thousands of dollars of student debt? Should I buy a car?—even though most of us received no formal instruction on financial matters until it was too late. While no course in personal finance could have prevented many Americans from getting caught up in the housing bubble, 1 it's clear that most of us need some help, preferably starting when we're still in school. And I'm not just talking about learning to balance your checkbook. It's about understanding concepts like the time value of money, risk, and reward, and, yes, the importance of savings. All of this raises these questions: What's happening inside our classrooms? And how many schools even broach the topic? As it turns out, for a country that prizes personal responsibility, we're doing very little. -
Critical Review of the Goals for Financial Literacy
Philippe Turineck Critical review of the goals for financial literacy Critical review of the goals for financial literacy Abstract: Financial literacy is an emerging field that is still in a phase of transition into K-12 schools. The importance of teaching financial literacy in schools is now highly recognized (Lusardi & Mitchell, 2014). Not only is financial literacy education implemented in many curricula around the world, the Organization for Economic Cooperation and Development (OECD) has administered a financial literacy assessment in 2012 and 2015 via their triennial Program for International Student Assessment (PISA). This sent an important message around the world about the importance of financial literacy in schools. The field has not had all its parameters defined and there is a need to identify what is meant by “financial literacy” and what are the goals of this new emerging field. Thus, this review seeks to synthesize and summarize common themes and trends among financial literacy literature to shed light on the goals and definitions of financial literacy. An exploration of how this field is defined within mathematics and the goals for teaching this within the discipline of mathematics will explored. Further, this review will explore how financial literacy tasks are used in the mathematics classroom and how researchers design and implement these tasks. Motivation problem: The importance of Financial Literacy Education has been fueled by the most recent financial crisis in 2008. This led many of scholars to recognize how financial literacy education can contribute to sustainable economic development and individuals’ economic well beings (Arthur, 2012). It maintains that financial literacy is a competency combined from life skills, thinking skills, financial knowledge and empowerment (Arthur, 2012).