building a teacher’s toolbox · demand: how much consumers are willing to buy. example: college...

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1| Page As I write this newsletter, the strains of the Christmas song, “All I Want for Christmas is my Two Front Teeth” echo in my mind. Both of my sons had orthodontics consults prior to Christmas, yikes!, and for my younger son, it has been determined that there is a monster lurking beneath the surface! Curt is thirteen years old and according to the orthodontist, he has the mouth of a ten year old. He still has eight “baby teeth” and lurking underneath the surface are the permanent teeth going every which way they can! The treatment plan was to pull two of his baby teeth to see what might start to happen with getting the teeth to start to fall out naturally. He had two teeth pulled the week before Christmas, his incisors, not his front teeth, but on the way home from the dentist, ironically, “All I Want for Christmas is my Two Front Teeth” was playing on the radio! Now, let me be perfectly clear, he did not want to do this at all, but he needed to. So, of course, that got me thinking about wants and needs and doing a lesson or two on that very idea. We can all relate to wants and needs and sometimes they align, such as, I want to be warm and I need to be warm, but not all the time like, I want a Rolex watch, but I need a watch that keeps time. As adult ed practitioners, we need to balance the wants and needs of our students as well. We need to be open to their needs, as well as what they may want to learn. We also need to walk the balancing act of what needs to be done in adult ed with the new initiatives as well as keeping in mind what our students need. Hopefully, we are fortunate when both the wants and needs align and we can deliver a high quality educational experience for our students in which they are engaged in the learning and empowered in their newly attained skills. Building a Teacher’s Toolbox Volume 9, Issue 12 December 29, 2017 Prepared by: Robin C. Letendre, M.Ed [email protected] Statewide Learning Disabilities Consultant, Statewide Professional Development Coordinator, Lead High School Equivalency Teacher at Salem Alternative and Continuing Education

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Page 1: Building a Teacher’s Toolbox · Demand: how much consumers are willing to buy. Example: College and Career Readiness Standard used: Language, CCR Anchor 4, level C: Determine or

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As I write this newsletter, the strains of the Christmas song, “All I Want for Christmas is my Two Front Teeth” echo in my mind. Both of my sons had orthodontics consults prior to Christmas, yikes!, and for my younger son, it has been determined that there is a monster lurking beneath the surface!

Curt is thirteen years old and according to the orthodontist, he has the mouth of a ten year old. He still has eight “baby teeth” and lurking underneath the surface are the permanent teeth going every which way they can! The treatment plan was to pull two of his baby teeth to see what might start to happen with getting the teeth to start to fall out naturally.

He had two teeth pulled the week before Christmas, his incisors, not his front teeth, but on the way home from the dentist, ironically, “All I Want for Christmas is my Two Front Teeth” was playing on the radio!

Now, let me be perfectly clear, he did not want to do this at all, but he needed to. So, of course, that got me thinking about wants and needs and doing a lesson or two on that very idea. We can all relate to wants and needs and sometimes they align, such as, I want to be warm and I need to be warm, but not all the time like, I want a Rolex watch, but I need a watch that keeps time.

As adult ed practitioners, we need to balance the wants and needs of our students as well. We need to be open to their needs, as well as what they may want to learn. We also need to walk the balancing act of what needs to be done in adult ed with the new initiatives as well as keeping in mind what our students need. Hopefully, we are fortunate when both the wants and needs align and we can deliver a high quality educational experience for our students in which they are engaged in the learning and empowered in their newly attained skills.

Building a Teacher’s Toolbox

Volume 9, Issue 12

December 29, 2017

Prepared by: Robin C. Letendre, M.Ed

[email protected]

Statewide Learning Disabilities Consultant, Statewide Professional Development Coordinator, Lead High School Equivalency Teacher at Salem Alternative and Continuing Education

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Table of Contents

Pages 3-4: PD Update: all of the upcoming PD through February 14, 2018. There are many great opportunities to learn new innovative practices that fulfill WIOA requirements.

Page 5: What I Am Reading in the Realm of Rigorous Research, Universal Design

Page 5: Take Your Lunch Break with This Article, Increasing Student Reading

Page 5: Around the World with ESL: Using Comics

Page 5 : Update

Page 6: Quote of the Month

Page 6: For a Laugh

Pages 7-42: Lesson Plan Corner, Updated Lesson Plan Format which includes CCRS, IET (Integrated Education and Training), contextualized learning, career cluster (healthcare), digital literacy suggestions and strategies based in research, SEL (social emotional learning), soft skills and so much more! This month’s lesson plan is focused on wants and needs, economics basics and money wasters.

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PD Update

There are many PD opportunities coming up and it is encouraged that you take advantage of the opportunities that fit your needs.

Directors

Program Directors Meeting

Date: January 10, 2018

Time: 8:30 am to 2:30 pm

Location: Walker Building, 21 South Fruit Street

Registration Form

Distance Learning 101

Date: January 25, 2018

Time: 9:00 am to 12:00 pm

Location: Walker Building, 21 South Fruit Street, Room 100

Registration Form

Integrating Employability Skills Training

Date: February 6, 2018

Time: 1:00 pm to 4:30 pm

Location: Walker Building, 21 South Fruit Street, Room 100

Registration Form

Accuplacer Training

Date: February 13, 2018

Time: 3:00 pm to 5:00 pm

Location: Pinkerton Academy

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Competency-Based Learning for Program Directors

Date: February 14, 2018

Time: 9:00 am to 3:30 pm

Location: Walker Building, 21 South Fruit Street, Room 100

Registration Form

All Teachers

New Staff Workshop

Date: January 27, 2018

Time: 8:30 am to 3:00 pm

Location: Second Start

Registration Form

Integrating Employability Skills Training

Date: February 6, 2018

Time: 1:00 pm to 4:30 pm

Location: Walker Building, 21 South Fruit Street, Room 100

Registration Form

Resource Exchange

Date: February 7, 2018

Time: 1:00 pm to 3:30 pm

Location: Second Start

Registration Form

Accuplacer Training

Date: February 13, 2018

Time: 3:00 pm to 5:00 pm

Location: Pinkerton Academy

(Link is not yet available to register).

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What I Am Reading in the Realm of Rigorous Research

Universal Design for Learning Can Create an Inclusive Environment for Students: https://www.educationdive.com/news/universal-design-for-learning-can-create-an-inclusive-environment-for-stude/513942/

Take Your Lunch Break with This Article

How My Library Doubled Its Circulation: http://www.slj.com/2017/12/teens-ya/doubled-library-

circulation/#_

Around the World with ESL

Teaching English with the Comics: https://www.fluentu.com/blog/educator-english/comics-for-teaching-

english/?utm_source=FluentU+Language+Learning+Tips+and+Updates&utm_campaign=9b43215979-English+Educator+Weekly_12_31_2017&utm_medium=email&utm_term=0_ee7f81dbad-9b43215979-91790769&mc_cid=9b43215979&mc_eid=f07c71feb9

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Updates for All Adult Education Practitioners

Quote of the Month

For a Laugh

World Education and New England Literacy Resource Center are invaluable tools for adult educators. Please check out this link for a wealth of information.

http://worlded.bmetrack.com/c/v?e=C2FB4B&c=A72D&t=0&l=2321A573&email=eo3Z%2BnMClnMXys4RRsbSDW%2Fas7h3dJWDmMYADqvCF08%3D

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Lesson Plan

10 Things Americans Waste Money On

Prepared by: Robin C. Letendre, M.Ed

Building a Teacher’s Toolbox

Newsletter, Volume 9, Issue 12

December 2017

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Table of Contents

Pages 10-23: Wants vs. Needs and Economics Basics

Pages 24-29: 10 Things Americans Waste Money On

Pages 30-32: Spending by Gender

Pages 33-43: Retail Therapy

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Lesson Plan Topic (Keeping in mind that my program at Salem must serve the following most in need:

• Low levels of literacy • English Language Learners • Individuals with disabilities • Individuals with barriers to

employment

10 Things Americans Waste Money On

Wants vs. Needs and Economics Basics

Objectives and Goals/Purpose of Instruction

o By the end of the lesson, the student will be able to: o Identify wants versus needs o Economic basics o Supply and demand

Developing Critical Thinking Skills

• Use of Bloom’s Taxonomy key vocabulary within lesson

• Access this chart for lesson plan: http://www.dartmouth.edu/~jmajor/blooms/index.html

Materials Needed

Worksheet on wants vs. needs (provided) Worksheet on Economic Basics (provided) Supply and Demand political cartoon (provided) Digital Literacy Skills worksheet: vehicle type and mpg (provided) HiSET test prep question: gas prices and supply and demand (provided) Cell phone: want or need (provided) Cell phone HiSET prep question (provided) Credit card: want or need (provided) Credit card HiSET prep question (provided)

Introducing the Topic

Play “Material Girl” by Madonna as a conversation starter. https://www.youtube.com/watch?v=6p-lDYPR2P8

Addressing Essential Reading Components

• Phonics, [connection between sounds and letters]

• Phonemic awareness, [words are created from phonemes-sounds in language]

• Vocabulary • Reading

comprehension • Fluency)

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Research-based Formative Assessment Strategy

Exit ticket: how does knowing the difference between wants and needs help you to make better decisions about how to budget money?

Use of Multiple Intelligences (Highlight all that are contained within this lesson plan)

• words (linguistic intelligence) • numbers or logic (logical-mathematical

intelligence) • pictures (spatial intelligence) • music (musical intelligence): • self-reflection (intrapersonal intelligence) • a physical experience (bodily-kinesthetic

intelligence) • a social experience (interpersonal intelligence) • an experience in the natural world (naturalist

intelligence)

Use of Universal Design of Learning (Considerations)

• Have I used multiple means of representing the information?

• Have I used multiple means of action and expression of the learned information?

• Have I used multiple means of student engagement?

Digital Literacy, defined under WIOA (Workforce Innovation and Opportunity Act) states that “the skills associated with using technology to enable users to find, evaluate, organize, create, and communicate information.”

Digital Literacy Skills worksheet: vehicle type and mpg (provided)

Soft Skills are defined as “Workforce readiness skills that are interpersonal in nature, which include personal qualities, characteristics, and attitudes. And according to the National Association of Colleges and Employers (NACE) Job Outlook 2015 survey of 260 U.S. employers, soft skills are becoming the attributes that employers are looking for in candidates’ resumes.

• Leadership and ability to work on a team • Written communication skills • Problem-solving skills • Strong work ethic • Analytical/quantitative skills • Technical skills • Verbal communication skills • Initiative • Computer skills • Flexibility/adaptability

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Needs and Wants

A need is something that must be met in order to survive, such as food.

A want is just that-something that is nice but not necessary.

Complete the chart and then classify your thoughts as needs and wants.

Need Want

Do you need to make any changes after completing the list? If so, what are those changes?

Share your list with someone.

Compare your list with theirs.

Do you need to make any changes after reviewing the list? If so, what are those changes?

College and Career Readiness Standard used:

Speaking and Listening, Anchor 1, level A: participate in collaborative conversations with diverse partners in small and larger groups. Build on others’ talk in conversations by responding to the comments of others through multiple exchanges.

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Economics Basics

(Taken from For the HiSET Test Social Studies, New Readers Press, pages 148-151)

Scarcity: a condition of not having enough of something for everyone to have what they want and need.

Example:

Goods: items that meet peoples’ wants and needs.

Example:

Services: things people do for other people.

Example:

Producers: people who make goods and services.

Example:

Consumers: people who use the goods and services.

Example:

Supply: tells how much of a good or service producers make.

Example:

Demand: how much consumers are willing to buy.

Example:

College and Career Readiness Standard used:

Language, CCR Anchor 4, level C: Determine or clarify the meaning of unknown and multiple-meaning words and phrases by using context clues, analyzing meaningful word parts, and consulting general and specialized reference materials as appropriate.

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Supply and Demand Political Cartoon

What is this cartoon expressing in regards to supply and demand?

Does it really matter the type of vehicle you drive in regards to supply and demand on gas prices?

College and Career Readiness Standard used:

Speaking and Listening, Anchor 5, level E: make strategic use of digital media (textual, graphical, audio, visual, and interactive elements) in presentations to enhance understanding of findings, reasonings, and evidence to add interest.

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Digital Literacy Skills

Do an internet search to discover the mpg for the following vehicles to determine if this political cartoon is accurate in supply and demand.

Make of Vehicle MPG (miles per gallon)

Honda Civic

Nissan Maxima

Ford Mustang

Chevy Corvette

Kia Sportage

Ford Escape

Hummer

Toyota Tundra

Dodge Ram

Your vehicle choice

Your vehicle choice

Your vehicle choice

What conclusion can you draw based on vehicle and mpg?

Do you conclude that the political cartoon is accurate in regards to supply and demand?

College and Career Readiness Standard used:

Writing, CCR Anchor 7, level C: Conduct short research projects that use several sources to build knowledge through investigation of different aspects of a topic.

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HiSET Prep test question, Social Studies, Paxen, page 206

Supply and demand are major factors in the rise and fall of gasoline prices. Shortages and fears of shortages can cause these prices to fluctuate in a short period of time. As developing countries grow more industrialized, global demand for gasoline increases. From the beginning of 2005 through the middle of 2008, overall U.S. gasoline prices rose steadily. At that time, the average price of a gallon of gasoline in the United States was $1.78. By the middle of 2008, the price had reached a national average of nearly $4 per gallon. However, by the end of 2008, reduced demand sent prices back down to around $1.60 per gallon.

These changes occurred because of increases and decreases in crude oil prices. From 2005 to mid-2008, the price per barrel of crude oil rose from $42 to more than $100 per barrel. By the end of 2008, the price fell to less than $50 per barrel. In addition to free market effects, a number of other factors can and do play a role in gasoline prices. Developments in world politics sometimes disturb market forces. Oil prices are also subject to manipulation. The Organization of Petroleum Exporting Countries (OPEC) accounts for 40 percent of the world’s crude oil production. This group routinely limits the amount of oil its members export. This results in higher gasoline and oil prices worldwide.

Why does an increase in the price of crude oil lead to a rise in the price of gasoline?

A Both are sold at gas stations.

B Crude oil is made from gasoline.

C OPEC exports both gasoline and oil.

D Gasoline is made from crude oil.

Why do OPEC’s limits on oil exports lead to increased global gasoline prices?

A Limits on exports increase the supply of oil.

B Limits cause people to buy more gasoline.

C Limits force people to drive more.

D Limits on oil create a shortage.

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HiSET Prep test question, Social Studies, Paxen, page 206

Answer Key

Supply and demand are major factors in the rise and fall of gasoline prices. Shortages and fears of shortages can cause these prices to fluctuate in a short period of time. As developing countries grow more industrialized, global demand for gasoline increases. From the beginning of 2005 through the middle of 2008, overall U.S. gasoline prices rose steadily. At that time, the average price of a gallon of gasoline in the United States was $1.78. By the middle of 2008, the price had reached a national average of nearly $4 per gallon. However, by the end of 2008, reduced demand sent prices back down to around $1.60 per gallon.

These changes occurred because of increases and decreases in crude oil prices. From 2005 to mid-2008, the price per barrel of crude oil rose from $42 to more than $100 per barrel. By the end of 2008, the price fell to less than $50 per barrel. In addition to free market effects, a number of other factors can and do play a role in gasoline prices. Developments in world politics sometimes disturb market forces. Oil prices are also subject to manipulation. The Organization of Petroleum Exporting Countries (OPEC) accounts for 40 percent of the world’s crude oil production. This group routinely limits the amount of oil its members export. This results in higher gasoline and oil prices worldwide.

Why does an increase in the price of crude oil lead to a rise in the price of gasoline?

A Both are sold at gas stations.

B Crude oil is made from gasoline.

C OPEC exports both gasoline and oil.

D Gasoline is made from crude oil.

Why do OPEC’s limits on oil exports lead to increased global gasoline prices?

A Limits on exports increase the supply of oil.

B Limits cause people to buy more gasoline.

C Limits force people to drive more.

D Limits on oil create a shortage.

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Discussion: is a cell phone a want or need?

Make a Venn diagram illustrating your position.

New Cell Phone

Taken from HiSET Writing, Paxen, 2014 Page 13

(1) Thank you for purchasing your new cell phone. (2) Your new phone is also a radio transmitter and receiver. (3) It was designed and manufactured to meet certain standards set by the U.S. government. (4) The guidelines were base on standards that were developed by scientists. (5) The scientists tested the phones to make sure they are safe for everyone who is using them. (6) You will receive more information about your new phone in the mail within a few weeks.

Sentence 4: The guidelines were base on standards that were developed by scientists.

Which correction should be made to sentence 4?

A change developed to developing

B change base to basing

C change developed to develop

D change base to based

Sentence 6: You will receive more information about your new phone in the mail within a few weeks.

Which is the best way to write the underlined portion of this sentence? If the original is the best way, choose option A.

A You will receive more information

B You received more information

C You receive more information

D You receives more information

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Discussion: is a cell phone a want or need?

Make a Venn Diagram illustrating your position.

New Cell Phone

Answer Key

Taken from HiSET Writing, Paxen, 2014 Page 13

(1) Thank you for purchasing your new cell phone. (2) Your new phone is also a radio transmitter and receiver. (3) It was designed and manufactured to meet certain standards set by the U.S. government. (4) The guidelines were base on standards that were developed by scientists. (5) The scientists tested the phones to make sure they are safe for everyone who is using them. (6) You will receive more information about your new phone in the mail within a few weeks.

Sentence 4: The guidelines were base on standards that were developed by scientists.

Which correction should be made to sentence 4?

A change developed to developing

B change base to basing

C change developed to develop

D change base to based

Sentence 6: You will receive more information about your new phone in the mail within a few weeks.

Which is the best way to write the underlined portion of this sentence? If the original is the best way, choose option A.

A You will receive more information

B You received more information

C You receive more information

D You receives more information

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Is a credit card a want or need?

Make a T-chart illustrating your position.

What Options Are Provided for Mr. Jackson?

Taken from HiSET prep Reading, Paxen, 2014. Page 13

Eric Jackson

Jackson Homes

330 Plum Street

Sioux City, IO 51101

(5) Dear Mr. Eric Jackson,

Thank you for your interest in a line of credit with Greenville Bank. We currently have a variety of options available for our business customers. These options are listed below.

Option 1: $250,000 credit line with 6.9% APR for members who have a annual income of $75,000 or more.

(10) Option 2: $250,000 credit line with 7.9% Apr for members who have an annual income between $50,000 and $75,000.

Option 3: $250,000 credit line with 8.9% APR for members who have an annual income under $50,000.

These options do not include conditions that may lower your monthly payments, (15) such as down payments, collateral, and co-signees. If you would like to consider options that do include such conditions, please schedule an appointment with a Greenville Bank Credit Specialist at your earliest convenience.

Greenville Bank has a long-standing history of quality customer care and excellent service. We appreciate your interest in our banking services, and look forward to hearing from you.

(20) Thank you,

George Sanders

Credit Specialist

Greenville Bank

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Mr. Jackson currently has an annual salary of $63,000. Based on this information, into which category might he fall?

A approved for option 1

B approved for option 2

C approved for option 3

D not approved

Based on this letter, how might a person with a down payment be categorized?

A He or she may be ineligible for a credit line.

B He or she may get a higher APR.

C He or she would not need a credit line.

D He or she might get a lower monthly payment.

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Is a credit card a want or need?

Make a T-chart illustrating your position.

What Options Are Provided for Mr. Jackson?

Answer Key

Taken from HiSET prep Reading, Paxen, 2014. Page 13

Eric Jackson

Jackson Homes

330 Plum Street

Sioux City, IO 51101

(5) Dear Mr. Eric Jackson,

Thank you for your interest in a line of credit with Greenville Bank. We currently have a variety of options available for our business customers. These options are listed below.

Option 1: $250,000 credit line with 6.9% APR for members who have a annual income of $75,000 or more.

(10) Option 2: $250,000 credit line with 7.9% Apr for members who have an annual income between $50,000 and $75,000.

Option 3: $250,000 credit line with 8.9% APR for members who have an annual income under $50,000.

These options do not include conditions that may lower your monthly payments, (15) such as down payments, collateral, and co-signees. If you would like to consider options that do include such conditions, please schedule an appointment with a Greenville Bank Credit Specialist at your earliest convenience.

Greenville Bank has a long-standing history of quality customer care and excellent service. We appreciate your interest in our banking services, and look forward to hearing from you.

(20) Thank you,

George Sanders

Credit Specialist

Greenville Bank

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Mr. Jackson currently has an annual salary of $63,000. Based on this information, into which category might he fall?

A approved for option 1

B approved for option 2

C approved for option 3

D not approved

Based on this letter, how might a person with a down payment be categorized?

A He or she may be ineligible for a credit line.

B He or she may get a higher APR.

C He or she would not need a credit line.

D He or she might get a lower monthly payment.

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Lesson Plan Topic (Keeping in mind that my program at Salem must serve the following most in need:

• Low levels of literacy • English Language Learners • Individuals with disabilities • Individuals with barriers to

employment

Top 10 Things People Waste Money On Article

Objectives and Goals/Purpose of Instruction

o By the end of the lesson, the student will be able to: o Explain how a budget needs to be set by

taking out money wasters. Developing Critical Thinking Skills

• Use of Bloom’s Taxonomy key vocabulary within lesson

• Access this chart for lesson plan: http://www.dartmouth.edu/~jmajor/blooms/index.html

Materials Needed

Top 10 Money Wasters (article provided)

Introducing the Topic

Brainstorm what specific “things” might be listed in the article on top money wasters.

Addressing Essential Reading Components

• Phonics, [connection between sounds and letters]

• Phonemic awareness, [words are created from phonemes-sounds in language]

• Vocabulary • Reading

comprehension • Fluency)

· Lexile® Measure: 1000L - 1100L · Mean Sentence Length: 15.67 · Mean Log Word Frequency: 3.46

· Word Count: 47 CCR Levels D (6th-8th grade): 925-1185 E (9th-10th): 1050-1335

Research-based Formative Assessment Strategy

Use of summarizing the article

HiSET Test Prep Questions Related to Content

Median weekly pay by education level (provided) Calculating interest (provided)

Use of Multiple Intelligences (Highlight all that are contained within this lesson plan)

• words (linguistic intelligence) • numbers or logic (logical-mathematical

intelligence) • pictures (spatial intelligence) • music (musical intelligence): • self-reflection (intrapersonal intelligence) • a physical experience (bodily-kinesthetic

intelligence) • a social experience (interpersonal intelligence) • an experience in the natural world (naturalist

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intelligence)

Use of Universal Design of Learning (Considerations)

• Have I used multiple means of representing the information?

• Have I used multiple means of action and expression of the learned information?

• Have I used multiple means of student engagement?

Soft Skills are defined as “Workforce readiness skills that are interpersonal in nature, which include personal qualities, characteristics, and attitudes. And according to the National Association of Colleges and Employers (NACE) Job Outlook 2015 survey of 260 U.S. employers, soft skills are becoming the attributes that employers are looking for in candidates’ resumes.

• Leadership and ability to work on a team • Written communication skills • Problem-solving skills • Strong work ethic • Analytical/quantitative skills • Technical skills • Verbal communication skills • Initiative • Computer skills • Flexibility/adaptability

SEL, or social-emotional learning, is defined as “the process through which individuals acquire and effectively apply the knowledge, attitudes and skills to understand and manage emotions, set and achieve positive goals, feel and show empathy towards others, establish and maintain positive relationships, and make responsible decisions. (www.casel.org)

Based on the information in the article, draft a realistic budget and eliminate as many of the money wasters as you can. Calculate how much money you could save in one week if you did away with the money wasters.

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10 Things Americans Waste Money On

Taken from: http://www.daveramsey.com/blog/10-things-americans-waste-money-on?et_cid=2802924&et_rid=0&linkid=

We don’t think much about our daily money-wasters . . . but we need to. There are so many places in our daily routine where money can be wasted without us knowing it. It’s ridiculous enough to make a list over—so we did. Here are 10 things we waste money on in America today:

1. Credit card interest

The only thing stupider than buying something you can’t afford is buying something you can’t afford at (insert huge interest rate here). You don’t get jack for the extra money you fork over.

2. Deal websites

Hey, remember that time we bought a laser hair-removal deal for 78% off from that startup place all the way across town and used it for the full amount and within the specified time limit? Neither do we.

3. Appetizers

Restaurants already have lunch and dinner portions so big you need a box to bring home the leftovers. Why pay an extra six bucks to get something that will take up more room in your stomach before the main meal is even brought out?

4. ATM fees

When we use a bank that is not ours, it charges us. Then our bank charges us again. Don’t think that it’s just two bucks here or $3 there. It adds up, and don’t even get us started on the overdraft fees that could result from bounced checks. Speaking of which . . .

5. Overdraft fees

For these, there’s just no excuse. If you add correctly and spend less than you make, you’ll never pay a dime of overdraft fees. Fees result from sloppiness, pure and simple.

6. Speedy shipping

Seriously? Do we think that book or those clothes we ordered online are so important that we can’t wait four to 14 days for a package to arrive? With priority shipping, the only thing that moves faster than the package toward you is your money—away from you.

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7. Designer baby clothes

Also known as “glorified stain gatherers.” Why do we spend $20 on a “Feed me or no one sleeps” T-shirt that is three ticks away from being covered with breakfast? On top of that, they’ll wear it two or three times before either outgrowing it or the season changing.

8. Unused gym memberships

How is it that so many people join a health club around the New Year's Day resolving to lose weight and there are so many empty treadmills come January 15? Unlike the commitment, the monthly dues don’t stop. Besides, you can run around the block for free.

9. Premium cable packages

Not only do we not watch 90% of the channels that are on, but with so many “reality” shows and specialized stations, TV as a concept is about as rich as a person who lives paycheck to paycheck.

10. Daily coffee trips

Back before coffee shops started popping up on every street corner, people brewed it themselves. We as a culture seem to have gotten away from that. And you don’t need the caffeine to get your heart thumping—just take a look at how much money you dish out for that sugary concoction over a month or two.

Take a look at your own budget and see where your cash might be getting away from you. It can happen easier than you think. Most often, it does.

From this top 10 list, what is the number one money waster for you?

Which is the least important money waster to you?

Estimate how much money people waste if you add up a dollar amount for each of the ten ideas listed.

College and Career Readiness Standard used:

Reading, Anchor8, level B: describe how reasons support specific points the author makes in a text.

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Median Weekly Pay by Education Level, 2014

Social Studies for the HiSET Test, Economic Basics, New Readers Press, 2016

Calculate the Income Based on Education

Men Women Less than high school $517 $409 High school graduate, no college

$751 $578

Some college or associate degree

$872 $661

Bachelor’s degree $1249 $965

How much money does a man make versus a woman in each category?

How much money does a man make per month for each category?

How much money does a woman make per month for each category?

How much money does a man make per year for each category?

How much money does a woman make per year for each category?

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Math Challenge

High School Equivalency Test Preparation: Mathematics

Paxen, 2014

Page 44, question 13

Ezra invested $3,000 for 18 months at 3% interest. How much interest will he earn on his investment?

A $90

B $135

C $180

D $900

E $1350

****************************************************************************************

Math Challenge

Answer Key

High School Equivalency Test Preparation: Mathematics

Paxen, 2014

Page 44, question 13

Ezra invested $3,000 for 18 months at 3% interest. How much interest will he earn on his investment?

A $90

B $135

C $180

D $900

E $1350

B is the correct answer. Use the formula: I=prt. Ezra will pay 3,000x0.03x1.5=$135 interest.

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Lesson Plan Topic (Keeping in mind that my program at Salem must serve the following most in need:

• Low levels of literacy • English Language Learners • Individuals with disabilities • Individuals with barriers to

employment

Digital Literacy Skills Spending by Gender

Who Spends More? Men or Women?

Objectives and Goals/Purpose of Instruction

o By the end of the lesson, the student will be able to: o Conduct mini research on the assigned

topic. Developing Critical Thinking Skills

• Use of Bloom’s Taxonomy key vocabulary within lesson

• Access this chart for lesson plan: http://www.dartmouth.edu/~jmajor/blooms/index.html

Materials Needed

Laptop, chrome book etc.

Introducing the Topic

Who spends more? Men or women? Group discussion

Addressing Essential Reading Components

• Phonics, [connection between sounds and letters]

• Phonemic awareness, [words are created from phonemes-sounds in language]

• Vocabulary • Reading

comprehension • Fluency)

Use of Multiple Intelligences (Highlight all that are contained within this lesson plan)

• words (linguistic intelligence) • numbers or logic (logical-mathematical

intelligence) • pictures (spatial intelligence) • music (musical intelligence): • self-reflection (intrapersonal intelligence) • a physical experience (bodily-kinesthetic

intelligence) • a social experience (interpersonal intelligence) • an experience in the natural world (naturalist

intelligence)

Use of Universal Design of Learning

• Have I used multiple means of representing the information?

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(Considerations) • Have I used multiple means of action and expression of the learned information?

• Have I used multiple means of student engagement?

Digital Literacy, defined under WIOA (Workforce Innovation and Opportunity Act) states that “the skills associated with using technology to enable users to find, evaluate, organize, create, and communicate information.”

Doing mini research, discover who spends more, men or women?

Soft Skills are defined as “Workforce readiness skills that are interpersonal in nature, which include personal qualities, characteristics, and attitudes. And according to the National Association of Colleges and Employers (NACE) Job Outlook 2015 survey of 260 U.S. employers, soft skills are becoming the attributes that employers are looking for in candidates’ resumes.

• Leadership and ability to work on a team • Written communication skills • Problem-solving skills • Strong work ethic • Analytical/quantitative skills • Technical skills • Verbal communication skills • Initiative • Computer skills • Flexibility/adaptability

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Digital Literacy Skills

Who Spends More? Men or Women?

Investigate the following: who spends more? Men or women? Use the following guidelines to help your research.

• Valid source • Use of graphics in comparing statistics • Look at age groups and be sure that you are comparing like age groups. • Notate variables that may skew results. • Use 3-5 different sources to compare data. • Note who is doing the research. For example, do male researchers state that

women spend more and vice versa.

List your findings in the numbered section below.

1. 2. 3. 4. 5.

Draw a conclusion based on your research as to who spends more, men or women?

College and Career Readiness Standards used:

Reading Anchor 7, level D: integrate information presented in different media or formats as well as in words to develop a coherent understanding of a topic or issue.

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Lesson Plan Topic (Keeping in mind that my program at Salem must serve the following most in need:

• Low levels of literacy • English Language

Learners • Individuals with

disabilities • Individuals with barriers

to employment

Retail Therapy Run-on Sentences

Objectives and Goals/Purpose of Instruction

o By the end of the lesson, the student will be able to: o Identify and correct run-on sentences.

Developing Critical Thinking Skills

• Use of Bloom’s Taxonomy key vocabulary within lesson

• Access this chart for lesson plan: http://www.dartmouth.edu/~jmajor/blooms/index.html

Materials Needed

Non-fiction essay on retail therapy (provided)

Introducing the Topic

Have you ever participated in retail therapy?

Addressing Essential Reading Components

• Phonics, [connection between sounds and letters]

• Phonemic awareness, [words are created from phonemes-sounds in language]

• Vocabulary • Reading

comprehension • Fluency)

· Lexile® Measure: 1300L - 1400L · Mean Sentence Length: 22.33 · Mean Log Word Frequency: 3.07

· Word Count: 67 CCRS level E (9th-10th grade): 1050-1335 E (11th-CCR): 1185-1335

Use of Multiple Intelligences (Highlight all that are contained within this lesson plan)

• words (linguistic intelligence) • numbers or logic (logical-mathematical

intelligence) • pictures (spatial intelligence) • music (musical intelligence): • self-reflection (intrapersonal intelligence) • a physical experience (bodily-kinesthetic

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intelligence) • a social experience (interpersonal intelligence) • an experience in the natural world (naturalist

intelligence)

Use of Universal Design of Learning (Considerations)

• Have I used multiple means of representing the information?

• Have I used multiple means of action and expression of the learned information?

• Have I used multiple means of student engagement?

HiSET Test Prep question • Conspicuous consumption (provided)

Career readiness skills in the sector-based initiatives in NH

• Manufacturing • Health care • Information technology • Hospitality

Research the career cluster of hospitality. Use ONet (www.onetonline.org) to research “lodging managers”. Conduct a mini research to see how many 5 star hotels there are in NH and if “conspicuous consumers” would visit the Granite State.

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Why "Retail Therapy" Works: Five Therapeutic Benefits of Shopping - and How to Spot a Habit Gone Awry

Posted May 02, 2013 Kit Yarrow Ph.D.The Why Behind the Buy Taken from and modified: https://www.psychologytoday.com/blog/the-why-behind-the-buy/201305/why-retail-therapy-works Identify the run-on sentences in this short non-fiction essay. A run-on sentence has more than one independent clause joined together incorrectly. Some will be missing punctuation or a conjunction (and, but, nor, or) while others will use a comma where a period is needed. An independent clause expresses a complete thought. It can exist as an independent sentence. ************************************************* A new study conducted by TNS Global on behalf of Ebates.com has found that more

than half of Americans admit to engaging in “retail therapy.” This echoes a

previous study published in the Journal of Psychology and Marketing researchers Selin

Atalay and Margaret Meloy found that 62% of shoppers had purchased something to

cheer themselves up and another 28% had purchased as a form of celebration.

Here are five therapeutic benefits of shopping and how to spot a shopping habit gone

awry.

Easing Transitions

Shopping can be a rich source of mental preparation. As people shop they’re naturally

visualizing how they’ll use the products they’ll considering, and in doing so they’re also

visualizing their new life as many great athletes will attest, visualization is a performance

booster and anxiety reducer.

Dressing For Success

In a study published by The Journal of Experimental Social Psychology, participants

asked to wear white coats they were told were doctor’s coats when wearing these

coats students were far more accurate on test of attentional focus

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and concentration (traits associates with physicians) than the control group that simply

wore their street clothes for the experiment.

On the flip side, we actually can judge a book by it’s cover - or in this case a person by

their shoes. A study published in the Journal of Research in Personality participants were

able to guess a person’s age, gender, income and agreeableness from photos of their

shoes.

The Pleasure Boost of Creativity and Aesthetics

Some think that owning a luxury item is about status, but for many it’s more an

appreciation of craftsmanship and design that enlivens the senses.

Relaxation and Escape

When people think of the benefits of “retail therapy,” escape, entertainment and

rejuvenation are usually at the top of the list.

In my most recent consumer interviews, online shopping is increasingly mentioned as

type of mini mental vacation unless purchasing is involved, it’s a relatively mindless,

relaxing activity. As a bonus, when faced with a difficult decision or arduous task, short

breaks can actually improve performance and decision making. Studies show that

our unconscious mind continues to work out problems while we’re engaged in a

different activity.

Social Connection

If there’s one antidote to emotional distress it’s human connection we’re a species

that’s mean to be with others, whether it occurs over dinner, at home or at the mall, it’s

therapeutic.

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Retail Therapy: Fail

In moderation, shopping is therapeutic. But for some, “retail therapy” masks deeper

problems and a real therapist would be a better solution the most common warning

signs for shopping that’s more the problem than the solution include: avoiding credit

card or bank statements; lying or hiding purchases; missing work, school or other

obligations to go shopping; and shame, guilt, or irritability associated with shopping.

College and Career Readiness Standard used:

Language, Anchor 1, level E: demonstrate command of the conventions of standard English

grammar and usage when writing or speaking. (b) Use various types of phrases and clauses to

convey specific meanings and add variety and interest to writing or presentations.

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Why "Retail Therapy" Works: Five Therapeutic Benefits of Shopping - and How to Spot a Habit Gone Awry

Answer Key

Posted May 02, 2013 Kit Yarrow Ph.D.The Why Behind the Buy Taken from and modified: https://www.psychologytoday.com/blog/the-why-behind-the-buy/201305/why-retail-therapy-works Identify the run-on sentences in this short non-fiction essay. A run-on sentence has more than one independent clause joined together incorrectly. Some will be missing punctuation or a conjunction (and, but, nor, or) while others will use a comma where a period is needed. An independent clause expresses a complete thought. It can exist as an independent sentence. *************************************************

A new study conducted by TNS Global on behalf of Ebates.com has found that more than half

of Americans admit to engaging in “retail therapy.” This echoes a previous study published in the

Journal of Psychology and Marketing researchers Selin Atalay and Margaret Meloy found that

62% of shoppers had purchased something to cheer themselves up and another 28% had

purchased as a form of celebration.

Here are five therapeutic benefits of shopping and how to spot a shopping habit gone awry.

Easing Transitions

Shopping can be a rich source of mental preparation. As people shop they’re naturally

visualizing how they’ll use the products they’ll considering, and in doing so they’re also visualizing

their new life as many great athletes will attest, visualization is a performance booster

and anxiety reducer.

Dressing For Success

In a study published by The Journal of Experimental Social Psychology, participants asked to

wear white coats they were told were doctor’s coats when wearing these coats students were

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far more accurate on test of attentional focus and concentration (traits associates with

physicians) than the control group that simply wore their street clothes for the experiment.

On the flip side, we actually can judge a book by it’s cover - or in this case a person by their

shoes. A study published in the Journal of Research in Personality participants were able to guess

a person’s age, gender, income and agreeableness from photos of their shoes.

The Pleasure Boost of Creativity and Aesthetics

Some think that owning a luxury item is about status, but for many it’s more an appreciation of

craftsmanship and design that enlivens the senses.

Relaxation and Escape

When people think of the benefits of “retail therapy,” escape, entertainment and rejuvenation

are usually at the top of the list.

In my most recent consumer interviews, online shopping is increasingly mentioned as type of mini

mental vacation unless purchasing is involved, it’s a relatively mindless, relaxing activity. As a

bonus, when faced with a difficult decision or arduous task, short breaks can actually improve

performance and decision making. Studies show that our unconscious mind continues to work

out problems while we’re engaged in a different activity.

Social Connection

If there’s one antidote to emotional distress it’s human connection we’re a species that’s mean

to be with others, whether it occurs over dinner, at home or at the mall, it’s therapeutic.

Retail Therapy: Fail

In moderation, shopping is therapeutic. But for some, “retail therapy” masks deeper problems

and a real therapist would be a better solution the most common warning signs for shopping

that’s more the problem than the solution include: avoiding credit card or bank

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statements; lying or hiding purchases; missing work, school or other obligations to go shopping;

and shame, guilt, or irritability associated with shopping.

College and Career Readiness Standard used:

Language, Anchor 1, level E: demonstrate command of the conventions of standard English

grammar and usage when writing or speaking. (b) Use various types of phrases and clauses to

convey specific meanings and add variety and interest to writing or presentations.

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Conspicuous Consumption

HiSET Test Prep, Social Studies, Paxen, page 196

Certain consumers buy goods that visibly show, or flaunt, their wealth. This type of purchasing is known as “conspicuous consumption”. According to some economists, there are two basic motives for the buying of conspicuous goods:

• Someone among the “higher” class buys conspicuous goods to differentiate themselves from the “lower” class.

• Someone among the “lower” class buys conspicuous goods so they will be viewed as being part of the “higher” class.

Conspicuous consumption is encouraged by companies selling products that are very often very expensive and limited in availability. These companies understand that their customers want to pay more for a good, not less.

Which of the following best describes a highly conspicuous good?

A an affordable good

B a high-quality good

C a popular good

D an exclusive good

What would most likely happen if a “high end” store started lowering prices on conspicuous goods?

A Purchases by repeat customers would stay the same.

B Purchases by repeat customers would decrease.

C Purchases by repeat customers would vary.

D Purchases by repeat customers would increase.

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Conspicuous Consumption

HiSET Test Prep, Social Studies, Paxen, page 196

Answer Key

Certain consumers buy goods that visibly show, or flaunt, their wealth. This type of purchasing is known as “conspicuous consumption”. According to some economists, there are two basic motives for the buying of conspicuous goods:

• Someone among the “higher” class buys conspicuous goods to differentiate themselves from the “lower” class.

• Someone among the “lower” class buys conspicuous goods so they will be viewed as being part of the “higher” class.

Conspicuous consumption is encouraged by companies selling products that are very often very expensive and limited in availability. These companies understand that their customers want to pay more for a good, not less.

Which of the following best describes a highly conspicuous good?

A an affordable good

B a high-quality good

C a popular good

D an exclusive good

What would most likely happen if a “high end” store started lowering prices on conspicuous goods?

A Purchases by repeat customers would stay the same.

B Purchases by repeat customers would decrease.

C Purchases by repeat customers would vary.

D Purchases by repeat customers would increase.

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Conspicuous Consumers? Would They Visit the Granite State?

Explore ONet, www.onetonline.org to discover the qualifications of being a “lodging manager”.

Conduct a mini research on 5 star hotels in New Hampshire.

Name of Hotel Location Star Rating

Draw a conclusion: would a conspicuous consumer visit the Granite State based on your findings?

College and Career Readiness Standards used:

Writing, Anchor 7, level D: Conduct short research projects to answer a question, drawing on several sources and generating additional related, focused questions for further research and investigation.