This social studies lesson for Secondary 3 students discusses financial literacy and money management. It begins by asking why it is important to manage financial resources well. Several activities and examples are provided to illustrate the concepts of needs versus wants, good versus bad debt, and consequences of poor money management. The lesson emphasizes the importance of being "money smart" and developing good financial habits from a young age.
This was a four-hour workshop presentation delivered by Tim McAlpine at the National Youth Involvement Board 2013 Annual Convention in San Diego on July 29, 2013.
Synopsis: Not only are your credit union members aging, but so are your employees. Learn to connect with young adults and discover what makes Gen Y and Z tick. In this session, Tim McAlpine discusses what young potential members really look for from their financial institution, including which products, services and technology your credit unions needs to remain relevant. This presentation also looks at your credit union staff to figure out how to attract and engage the next generation of leaders. The session is capped off with an in-depth look the Young & Free Marketing Program filled with ideas to inspire your own young adult marketing.
What are young people really looking for from their financial institution?
Gen Y, Millennials, Net Generation, Echo Boomers, Generation Nextâno matter what label you give them, the fact is, credit unions are failing to attract the next generation of members. There is a decade-plus age gap in credit union industry. While the average age of a North American is 37 years old, the average age of a credit union member is almost 50. Credit unions are not replacing maturing depositors with young borrowers fast enough. But your credit union doesnât have to fade into the history books. Learn how your credit union can understand and connect with young adults.
Social Media #getresults (for parent fundraising)Susan T. Evans
Â
This presentation offers ideas for using social media to get results for parent fundraising in education institutions. The presentation was a general session at the 27th Annual Parent Fundraising Conference in August 2012.
This was a four-hour workshop presentation delivered by Tim McAlpine at the National Youth Involvement Board 2013 Annual Convention in San Diego on July 29, 2013.
Synopsis: Not only are your credit union members aging, but so are your employees. Learn to connect with young adults and discover what makes Gen Y and Z tick. In this session, Tim McAlpine discusses what young potential members really look for from their financial institution, including which products, services and technology your credit unions needs to remain relevant. This presentation also looks at your credit union staff to figure out how to attract and engage the next generation of leaders. The session is capped off with an in-depth look the Young & Free Marketing Program filled with ideas to inspire your own young adult marketing.
What are young people really looking for from their financial institution?
Gen Y, Millennials, Net Generation, Echo Boomers, Generation Nextâno matter what label you give them, the fact is, credit unions are failing to attract the next generation of members. There is a decade-plus age gap in credit union industry. While the average age of a North American is 37 years old, the average age of a credit union member is almost 50. Credit unions are not replacing maturing depositors with young borrowers fast enough. But your credit union doesnât have to fade into the history books. Learn how your credit union can understand and connect with young adults.
Social Media #getresults (for parent fundraising)Susan T. Evans
Â
This presentation offers ideas for using social media to get results for parent fundraising in education institutions. The presentation was a general session at the 27th Annual Parent Fundraising Conference in August 2012.
Getting older doesn't mean that love isn't a possibility anymore. The possibilities are endless when it comes to love and you're never too old to get out there and find your happiness.
Motivation From Within - Moving Away From Points, Prizes, and Pizza PartiesChris Wejr
Â
Feburary 2015 workshop for educators in the Fort Nelson School District.
"The vast majority of our students enter our schools in kindergarten with high motivation to learn but as they progress up through the grades, motivation and engagement tends to fade. Due to the many challenges facing our schools, educators often resort to a variety of incentives to try to motivate students to learn and behave to help create the optimal learning environment. This session will challenge participants to rethink the use of incentives and encourage them to look at ways to create the conditions for students to motivate themselves. The following will be discussed:
the long term issues that can be caused by incentives/rewards
ideas to create the conditions for long term (more intrinsic) motivation
how short term punishments can create further behaviour problems with students
how behaviour is often a result of an unmet need or lagging skill
Participants will be challenged reflect upon their current views of student motivation and come away with ideas and strategies to move toward more intrinsic motivation in their classrooms and schools."
Getting older doesn't mean that love isn't a possibility anymore. The possibilities are endless when it comes to love and you're never too old to get out there and find your happiness.
Motivation From Within - Moving Away From Points, Prizes, and Pizza PartiesChris Wejr
Â
Feburary 2015 workshop for educators in the Fort Nelson School District.
"The vast majority of our students enter our schools in kindergarten with high motivation to learn but as they progress up through the grades, motivation and engagement tends to fade. Due to the many challenges facing our schools, educators often resort to a variety of incentives to try to motivate students to learn and behave to help create the optimal learning environment. This session will challenge participants to rethink the use of incentives and encourage them to look at ways to create the conditions for students to motivate themselves. The following will be discussed:
the long term issues that can be caused by incentives/rewards
ideas to create the conditions for long term (more intrinsic) motivation
how short term punishments can create further behaviour problems with students
how behaviour is often a result of an unmet need or lagging skill
Participants will be challenged reflect upon their current views of student motivation and come away with ideas and strategies to move toward more intrinsic motivation in their classrooms and schools."
10 tips on Social Media and Investor Relations - Christian Brosstad, 12th Nor...Christian Brosstad
Â
Social media from the point of view of Investor Relations. How should listed companies behave in relation to social media?
Christian Brosstad, Communication Director
SpareBank 1 Gruppen AS,
12th Nordic Investor Relations Conference - Stockholm, June 2010
Going to Work for Women by Amber Fehrenbacher | International Women's Day 201...Amber Fehrenbacher
Â
Guest presentation at the IBM Innovation Center overviewing the latest labor and workforce statistics surrounding women in the tech and STEM industries including the gender wage gap, the lack of women in these sectors and the pace at which pay equality is progressing in 2018. Also covered are personal experiences as a minority woman of over 10 years working for and within tech/startup businesses, ranging from private Internet upstarts to corporate enterprise companies along with actionable insights and suggestions on how both men and women in the workplace, particularly in STEM fields, can help advocate for women, reduce the churn of women in these roles, and increase the pipeline of women candidates in the future.
Palestine last event orientationfvgnh .pptxRaedMohamed3
Â
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
Â
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
Â
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Â
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
1. SECONDARY 3 NT
SOCIAL STUDIES
Overarching Essential Question
Why is it important to manage our
financial resources well?
2. What does it mean to be
financially literate or âmoney smartâ?
http://cdn2.business2community.com/wp-content/uploads/2013/05/Wave-Goodbye-to-the-Worries-of-Earning-Extra-Money-Online.jpg
https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcSfb7rfm91vVIijhpa5obcGfDIRkFR2gAoybQkLlBuIVDYB4l99DA
LESSON 1
3. Groups Task: Draw a labelled
picture of
1 A âmoney smartâ adult
2 A âmoney smartâ teenager
3 An adult who is not clever with
money management
4 A teenager who is not clever
with money management.
Activity 1
4. Activity 2 : Gallery Walk
https://ruminatingonthecore.edublogs.org/files/2015/03/gallery-walk-1v0b2s3.jpg
Stand next to your âexhibitâ. When the whistle/bell
goes, walk together with your group members to the
next station to view the âexhibitâ there. Move again
when the whistle/bell goes.
5. A world of
credit and
deferred
(postponed)
payments
Why we need to be âmoney smartâ
http://savemoney.my/wp-content/uploads/2012/04/lots-of-credit-cards-3.jpg
6. A world of
consumerism:
Buy! Buy! Buy!
http://onlineadipex.org/wp-content/uploads/2013/02/BuyNowButtonRed.jpg
http://runthelongroadcoaching.com/wp-content/uploads/2014/04/Colored-Sale-Tags-2.jpg
http://cdn1.tnwcdn.com/files/2010/03/logo.png
Why we need to be âmoney smartâ
7. A world of
convenient cash
withdrawals
http://news.softpedia.com/images/news2/Hackers-Take-the-US-Banking-Industry-by-Storm-2.jpg
Why we need to be âmoney smartâ
8. Why we need to be âmoney smartâ
A world which
tempts you to
cash inâŚ
at the casinos,
betting and
gaming sites
http://www.bloomberg.com/image/i2GRBDajCf74.jpg
http://i2.cdn.turner.com/money/dam/assets/130606033829-online-gambling-620xa.jpg
http://sin.stb.s-msn.com/i/67/BDF53EC4586857317563B22B44BCAE.jpg
9. The problem todayâŚ.
⢠Less contact with actual money
⢠The growing power of plastic
⢠Greater wealth so we are less
careful about how we spend money
http://therealsingapore.com/sites/default/files/field/image/A
TMs.jpg
http://victoriayudin.files.wordpress.com/2009/01/flying-
credit-card.jpg
http://mms.businesswire.com/media/20140123005115
/en/400205/5/New_Citibank_ATMs_2%5B3%5D.jpg
11. Singaporean professional in his 30s neck-deep in debt
by Lim Weixiang
31 July 2014 10:15 AM | Updated 01 August 2014
http://features.insing.com/feature/a-matter-of-life-and-debt/id-154a3101/
The 33-year-old is an honours degree holder and a white-collar professional. He
estimates that he has paid out about S$70,000 in interest over two years on his
original loan amount that was S$20,000.
His debt problem was seeded about 10 years ago, after he graduated from
university and got a job. âMy family has never been well-off⌠"so when I started my
first job and earned a proper salary, I suddenly felt like I was awash with cash. I
started splurging.â
He bought a car within six months and went on frequent holidays. When he went
out with friends at night, he would order bottles of wine and pick up the tab for
everyone.
â⌠at one point, I was using 10 different credit cards. I lost track of my spending,â he
said. âI thought I had it under control," Terence said, "because I had my year-end
bonus to count on. Every time I splurged, I would tell myself never mind, I will throw
in my bonus to repay my debts. But when the year-end interest came, there would
be other things to splurge on, so the credit card bills continued to pile up."
12. She recalled: "Well, at that point in my career, I had
earned a degree of spending power. And after
spending a good deal of my life feeling like my finances
were not secure, I felt it was time to let loose and rebel
against my 'former life'.
Ms Pam Siow, 32, chief executive of online
marketing coaching business Internet Biz Owners
Club, went through all that when she got her first
credit card at 25.
Four credit cards and three years later, things
spiralled out of control as she found herself $14,000
deep in credit card debt.
http://www.straitstimes.com/the-big-story/case-you-missed-
it/story/good-debt-bad-debt-20130702?page=13
13. http://www.straitstimes.com/the-big-story/case-you-missed-
it/story/good-debt-bad-debt-20130702?page=13
Mr Perry Siow for example. At 23, he racked up a debt of more
than $50,000, because his business partner ran away with
everything from the accounts of the trading firm they had set up
together.
To add insult to injury, he was a guarantor for a friend who had
borrowed $20,000 from a loan sharkâŚ.
Mr Siow, 37, an associate senior vice-president at realtor HSR, said:
"No one taught me about money management, I was depressed. I
also had to pawn my mother's gold jewellery to help with my
debts. I get emotional thinking about that."
This story was first published in The Straits Times on June 30, 2013
14. What happens when a person gets into
bad debt?
It affects not only the person, but his/her
family as well.
http://cliparts.co/cliparts/ziX/o6B/ziXo6B8jT.jpg
⢠Fights and arguments in the family
⢠Relationship failures
⢠Turning to crime, drinking..
⢠Depression, suicideâŚ.
http://www.nefesh.com.au/wp-
content/uploads/2012/11/Arguing.jpg
15. Why is there a need for
financial literacy education?
⢠the individual
⢠the family
⢠the community
⢠the nation
Impact of bad debt on
http://www.sc.edu/portal2/newsphotos/m_1320255406.jpg
16. Youth debt in numbers
According to Credit Counselling Singapore (CCS), last
year (2013) it counselled 563 people in debt, aged 35
or younger.
The male to female ratio was 69:31, and 374 had A-
level or higher education, while 217 were married with
children.
The lowest amount of debt reported was $3,401, and
the highest was $707,772,
which was lower than 2011's
highest reported debt at $875,203.
This story was first published in The Straits Times on June 30, 2013 - See more at: http://www.straitstimes.com/the-big-
story/case-you-missed-it/story/good-debt-bad-debt-20130702?page=13#sthash.Aa2OhrWk.dpuf
20. NOTE: Not all debts are bad
GOOD DEBT
⌠debt from projects that will bring
investment returns (eg : study loan)
⌠one that the borrower can afford to repay
on time.
https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcRlTFhRE72_mVes7Pj8cCcqX4ESzf_pGT_Wkr6dOhMANfU_C1p7
21. An example of GOOD DEBT
I have a total of 8 credit cards and 4 debit cards from 6
different banksâŚ
I am far from debt though. I plan how to use my salary
each month - half for my savings and half to spend. I
also record my expenditure diligently in my notebook.
This way, I know exactly how much I have left to spend
at any pointâŚ
Stephanie Song, student at NIE, in Youthink page, Straits
Times.31st May 2010
http://hajelpitan.files.wordpress.com/2014/01/woman-taking-notes.jpg
26. ⢠Work alone or in pairs
⢠You have a budget of $200
⢠You can shop for any item during this FLASH SALE
⢠You are to record the item(s) you have bought and
how much they cost in the worksheet provided
⢠You are allowed 5 minutes to look at the items
available and 5 minutes to do your shopping.
⢠You can only start buying when the teacher says âGOâ,
but you must stop when the timer rings.
Activity 1 : Letâs Go Shopping!
https://create-cdn.net/siteimages/29/6/7/296757/8501767.jpg?1398797703
33. Directions:
⢠Each group will be given $100.
⢠Before the wheel is spun, you will
send your representative to place
your bets on the teacherâs table.
⢠Lowest bet is $10
⢠No limit to the highest bet.
⢠You may borrow from the banker
(teacher) but interest rate is 50%
50. What do they spend
their money on?
Where do Father & Mother
get their money from?
http://ksuperioridad.files.wordpress.com/2011/12/parents-quotes.jpg
53. GOVERNMENT EXPENDITURE (Spending)
1. DEFENCE
2. TRANSPORT
3. EDUCATION
4. HEALTH CARE
5. MANPOWER
6. ENVIRONMENT
& WATER
RESOURCES
For each of these areas
of Government spending,
list down all the things
that the government
spends on.
(Eg. Defence â Buying
new fighter jetsâŚ.)
56. The role of a Member of Parliament
MPs - Members of Parliament (elected at General Election)
NCMP - Non-constituency Member of Parliament
NMP - Nominated Members of Parliament
MPs ensure that the concerns of their
constituents are heard in Parliament.
http://thumbs.dreamstime.com/z/bridge-set-18889217.jpg
https://upload.wikimedia.org/wikipedia/commons/thumb/b/b8/Group_people_icon.jpg/640px-Group_people_icon.jpg
http://sr.photos3.fotosearch.com/bthumb/CSP/CSP601/k6011919.jpg
57. GROUP INVESTIGATION PROJECT
How does the government decide what or who
to spend the countyâs revenue on?
1. SURVEY GROUPS :
⢠Teenagers
⢠Young working adults
⢠Married adults with children
⢠Singles
⢠Single parents
⢠Retirees and the elderly
58. 1. You have been assigned one category
of citizens.
2. Interview 4-5 people who fall under
this category.
3. Find out what their needs and
aspirations (wishes, ambition, dreams)
are.
4. Obtain permission to video tape your
interview. If they donât wish to be
videoed, ask if they would allow you
to do an audio recording instead.
SURVEY :
What are the needs and aspirations (wishes)
of the people?
http://sr.photos2.fotosearch.com/bthumb/CSP/CSP990/k10858210.jpg
59. RECORDING AND INTERPRETING DATA
After the interview, go over the recordings and write
down the main points that your interviewees have
raised in the handout provided.
UNDERSTANDING THE NEEDS OF _________________________
Interviewee What are your needs and
aspirations /wishes?
How can the government help
you achieve your needs and
aspirations/wishes?
1
2
3
4
61. LESSON 9
How much do you know about Parliament?
http://www.nhs.uk/Conditions/vaccinations/PublishingImages/top-10-questions-childhood-vaccinations_364x200_108637247.jpg
65. http://www.presentationmagazine.com/newimages/rally-speech-510.jpg
CHOOSE 1 PERSON FROM YOUR GROUP TO BE
THE MP FOR YOUR CONSTITUENCY.
ď§ As a group, decide what s/he should say in Parliament
on behalf of your constituents.
ď§ The speech should not be more than 2 minutes long.
ď§ Objective : Present the needs of your constituents and
convince Parliament that your plans are useful and
worth spending money on.
ď§ The MP should practice the speech in front of
the group and get their feedback for
further improvement.
70. LESSON 12
What roles do the finance minister
and president play in the
management of the nationâs
resources?
http://previews.123rf.com/images/justaa/justaa1111/justaa111100008/11151677-Person-icon-show-leadership-and-team-abstract-Stock-Vector-leader.jpg
http://images.clipartpanda.com/money-clip-art-9TpbpoqTE.gif
71. A Tribute to Dr. Goh Keng Swee
Singaporeâs 1st Deputy Prime Minister and
Finance Minister
https://www.youtube.com/watch?hl=en-GB&v=ibzH-tZ3llg&gl=SG
72. How well do you know our Presidents?
Wee Kim WeeOng Teng Cheong Tony Tan
Identify the following Presidents of Singapore
73. Yusof Ishak Devan Nair
Benjamin
ShearesS.R. Nathan
Identify the following Presidents of Singapore
74. Arrange the presidents in the correct order,
beginning with our first president and ending
with our current president
1 2 3 4 5 6 7
Wee Kim Wee Ong Teng
Cheong
Tony TanYusof
Ishak
Devan
Nair
Benjamin
Sheares
S.R. Nathan
75. Who was the first Elected President of
Singapore?
Wee Kim Wee Ong Teng
Cheong
Tony TanYusof
Ishak
Devan
Nair
Benjamin
Sheares
S.R. Nathan
76. Before 1993, the President of Singapore was
appointed by the Cabinet, but after 1993 the
President was elected by the public.
Why was this so?
http://theonlinecitizen.com/wp-content/uploads/2012/04/public-consultation-next-step-singapore-democracy.jpg
77. Our National Reserves (the nationâs savings)
had grown so much that there was a need to
safeguard (protect) it so this task of approving
the release of the funds was given to the
president, who was elected by the people.
http://crossvillenews1st.com/wp-content/uploads/2014/05/big-money-bags.jpg
78. Where do our National Reserves come
from?
http://1d0nkd3kux081kfl423njel7.wpengine.netdna-cdn.com/wp-content/uploads/2015/01/CPF-Life.jpg
79. What are some important qualities
you would look for in a
⢠Finance Minister?
⢠President?
http://teachinginkoreanuniversity.com/wp-content/uploads/2015/06/Questions.jpg
81. LESSON 13
Why does the Singapore government
need to manage the national budget
well?
82. ⢠What do you
know about
these 3 brothers
and the
problems they
encountered?
⢠How did they
end up in such
dire straits that
they had to
borrow money
from loan
sharks?
⢠What lessons can
we learn from
them about
saving for a rainy
day?
86. Some of our neighboursâ resourcesâŚ.
Do we have this?
http://isharetoyou.com/wp-content/uploads/2015/07/Phuket-Thailand.jpg
87. Do we have this?http://www.borneostarcruise.com/tour/2d1n-via-ferrata-lows-peak-circuit/
http://www.krakatauholiday.com/tourphoto/merapi_volcano.jpg
90. Then what DO we have?
People are our most valuable resource
http://2.bp.blogspot.com/-rg9H4W-TkVE/UD9sySYDVAI/AAAAAAAAHFc/MmnMzDODNRc/s1600/Singapore.jpg
94. All about Social Studies, Normal (Technical) Secondary 3 Coursebook (2014) Pearson, p107
95. How do I contribute towards the stability and
well-being of my country?
https://yawningbread.files.wordpress.com/2012/01/pic_201201_19.jpg
http://farm9.staticflickr.com/8522/8557825819_3fa342c2ae.jpg
http://www.chungchenghighyishun.moe.edu.sg/cos/o.x?c=/wbn/pagetree&func
=view&rid=38542
96. What do you see yourself doing in âŚ
2016
2018 2021
2025
2030
What do you need to do to achieve your dreams?
98. LESSON 15
How can I play my part in contributing to
the nationâs growth and development?
S ave Habitually
Manage Wisely
S hare Generously
SMS
99. Saving habitually and
Managing our limited resources
ď§ What else can we save other than
money?
ď§ Why do we need to save or conserve our
land and water resources?
SMS
100. How can we save or conserve our land
and water resources?
Saving our forests Saving energy Saving water
Saving our
endangered
animals
Saving our
marine life
Saving our
beaches
101. Sharing Generously
ď§ Why should we share with others?
ď§ Who are these âothersâ that we can
share with?
ď§ What can we share other than money?
SMS
