October 24th, 2017 Building Mathematical Literacy in our Adult Learners Shelly Corlyon, Principal of Teaching and Learning, UCDSB
Learning Goal We are learning to build our adult learners’ self-confidence and efficacy with mathematical literacy skills.
Minds On! Building Number Fluency and Number Sense Number Talks and Number Strings
Want to Succeed in School and Life? Science Says to Instill This One Thing Above All Else: How Gritty Are Your Students?
Tell students you love mistakes and that they will be valued at all times. Dig into mistakes so everyone can learn from them to build conceptual understanding. Tell them: “Great ! That is how we learn. If we already know how to do it, there is no learning .” Tell them: ”It’s OK, we all make mistakes – let’s see if we can figure it out by talking about it.”
Ask Good Questions: Ask Open Questions Provide Wait Time Involve All Students Use Verbs that Elicit Thinking (justify, explain, compare,…) What do you notice? What do you think? How do you know? Tell me/show me what you did to solve this problem. Effective Questions in Mathematics
Encourage visual mathematics to build conceptual understanding
Encourage students to represent their thinking in different forms (concrete materials, words, pictures, graphs, equations, or tables, etc and to make links between them Model different representations when students are sharing their thinking Ensure students can identify their learning against the success criteria you have co-constructed with students through noticing and naming.
It is not about speed. Efficiency comes with understanding. Tell students you don’t value speed Don’t let the math discourse be driven by the fastest students It’s about the processes in mathematics:
• Research shows that giving marks stops the learning • Descriptive Feedback is essential
Vision of the Mathematics Learner
Cheques and Balances Improving Financial Literacy
The Need for Financial Literacy (from Financial Consumer Agency of Canada) The current average percentage of their income that Canadians save is: a)5 % b)7.5 % c)10% Answer: a) This Photo by Unknown Author is licensed under CC BY-SA
In 2013, the average household debt of Canadians was: a)$56 000 b)$96 000 c)$114 000 Answer: c)
In 2011, the total reported dollar loss by victims of identity theft was about: a)$7 million b)$9 million c)$11 million Answer: c)
The Need to Be More Financially Literate Help control their financial future Achieve their life goals Provide for themselves and their family Avoid being victimized by ‘scammers’ Be a smarter consumer This Photo by Unknown Author is licensed under CC BY-SA
Understanding Credit
• You buy a sofa for $1,200 on February 21 with your credit card. • Payment Due Date: April 6th. • You pay $1,000 April 1st and then the balance of $200 on April 10th. • What amount will be charged interest?
You’re thinking, fantastic, I’m only going to be charged interest on the $200 for the 4 days in which you carried a balance past the payment due date. Because you did not pay off your balance in full, you’re actually going to be charged interest on the full $1,200 for the 52 days from your date of purchase to the payment due date. Then, in addition to that, you’ll be charged interest for an additional 4 days on the $200 you paid off between the payment due date and the date you paid off your balance in full. That’s $47.86 of interest instead of $0.61!
Paying your Credit Card Bills How does a grace period work? If you don’t pay off your balance in full by the payment due date, you will be charged interest all the way back to the purchase transaction date for the entire balance – even if you make a partial payment!
I took a cash advance of my pay cheque for $300. I have to pay back $354 on my next pay cycle: i.e. in 14 days Tackle Unexpected Expenses with Ontario’s Choice for Same -Day Loans Are bills piling up? Payday loan places make it easy to get a personal loan to pay them off-- no credit check. *Maximum Allowable Cost per $100 borrowed is $18.
On-Line Loans: A quick Fix? You find yourself in a financial pinch. You are behind in bills. You reach out to this online loan company which can get you approved immediately and can send you the money in as little as one day. They offer you a loan of $5 000 and say you only have to pay back $193/month for 5 years. How much do you end up paying?
Rent to Own Imagine you are running low on cash but your family needs a new couch. You are provided two offers: Price: $949.00 A. $949.00 today Or B. $32/week for 156 weeks
What About Option #3: Do not pay for 72 months? If you don’t have the full amount on the due date, you are charged interest dating back to the day of the purchase.
The Financial Consumer Agency of Canada: https://www.canada.ca/en/services/finance/tools.html This website has a variety of tools: Budget calculator Mortgage calculator, Vehicle buy or lease calculator, etc. It also has a link to a Financial Literacy Self Assessment Quiz. http://www.practicalmoneyskills.com/teach/lesson_plans/grades_9_12 Fantastic resource complete with lesson plans and student activity pages.
Avoid Being Scammed by Marketing
The Importance of Understanding Units
Minds On What is the better buy?
Grocery Shopping – Labels Give Unit Rates
Comparison Shopping
Which would you rather?
Real Life Examples Use your students’ real -life problems they are currently facing at home or work: Example: Replacing a refrigerator in a small kitchen. • Conceptual understanding of the mathematics: Measuring space, determining fit, comparison shopping for sales & discounts, finding the best financing options, finding the best refrigerator at the best value, to be able to evaluate and find solutions to the problem. National Center for the Study of Adult Learning and Literacy
Plan a Feast: From Plan to Execution: Invitations Venue – layout of the room/tables Theme Plan the Menu Shopping List Schedule – cooking, decorating, etc. Expenses …
Making and Keeping A Budget 50% of Your Income – Essentials 20% of Your Income – Savings 30% of Your Income – Personal Simple Budget Worksheet
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