Building Mathematical Literacy in our Adult Learners Shelly - - PowerPoint PPT Presentation

Building Mathematical Literacy in our Adult Learners

Shelly Corlyon, Principal of Teaching and Learning, UCDSB

October 24th, 2017

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%

This Photo by Unknown Author is licensed under CC BY-SA

Answer: a)

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!

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. 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

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

• ne 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?

On-Line Loans: A quick Fix?

Rent to Own

Imagine you are running low on cash but your family needs a new couch. You are provided two offers:

• A. $949.00 today

Or

• B. $32/week for 156 weeks

Price: $949.00

What About Option #3: Do not pay for 72 months?

If you don’t have the full amount

• n 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