Friday, December 26, 2014

CANADA MILITARY NEWS- Schools need 2 teach from ELEMENTARY LEVELS ON- about money- and how 2 save/about First Aid and CPR/About emergency and storms preparedness no matter where they are- and even their pets.... LET'S GIT R DONE CANADA - Kids and money, how young is 2 young/ showing children how 2 be safe in storms












Kids across Canada learn that banking is more than just numbers
Hundreds of Grade 9 students across the country are seeing first-hand what it is like to work at one of Canada's largest banks during today's "Take Our Kids to Work" day at CIBC offices, branches and call centres.
At CIBC's head office in downtown Toronto, more than 300 students are taking part in a special program and are job-shadowing their parents and parents' co-workers in a number of areas to give them a broader view of the many career choices in banking.
Take Our Kids to Work day is a great opportunity to give our young people ideas as to what they may choose as a career," said Al Dodington, Senior Vice President, Human Resources. "The experience serves as an interesting part of their education on the path to adulthood and it allows companies and other organizations, to contribute to that education. CIBC is proud to have given them a glimpse of the working world and what it means to go to work, and to be part of the workforce".
"A key part of the day is impressing upon kids the important skills everyone needs in order to succeed in the working world:
            -   The ability to read and write well;
            -   Strong oral communication skills;
            -   The ability to work with others;
            -   Strong computer skills; and
            -   A drive to keep learning throughout your career.
           
            "At the end of the day, we hope that the students walk away with

            <<
            -   An understanding of the skills required in today's workforce;
            -   An understanding of the importance of staying in school;
            -   An appreciation of how their parent/host makes a living, which can
                lead to discussion around their expectations and those of a
                workplace; and
            -   A fun and practical encouragement to begin thinking about potential
                career choices."
            >>

This morning in Toronto, the kids' day began at The Suites at 1 King Street West with a BINGO icebreaker to get to know each other better; an overview of CIBC; and a talk on "Where your money goes." There was an Equity and Diversity quiz, as well as a presentation on bank security including the technology used to keep money safe. Kids are now shadowing their parent/guardian for the rest of the day. This morning's agenda is being repeated in the afternoon for kids who chose to shadow their host in the morning.
Students in CIBC branches across the country are greeting clients and experiencing how important a bank is to everyday life and how CIBC is involved in the community.
TOKWD introduces Grade 9 students to jobs and professions by allowing them to shadow employees in a variety of businesses for a half or full day. More than 1.5 million young Canadians have learned first-hand about careers and the working world through TOKWD in tens of thousands of workplaces across Canada.
CIBC has participated in TOKWD since its inception in 1994, as it aligns with our community investment focus on youth, education and health. In 2008, CIBC contributed more than $27 million in Canada. Of this, $3 million was allocated to hundreds of initiatives that support youth through mentoring, skills development, financial literacy training, nutrition and health, anti-bullying, youth shelters and programs for young people with disabilities. CIBC's multi-year commitments to colleges and universities total $17 million. Of this, close to $6 million is directed to bursaries and scholarships to help young people reach their full potential. The 2008 CIBC Miracle Day, the first Wednesday in December raised $3.1 million in support of charities dedicated to improving the health, well-being and education of kids in our communities. To date, CIBC Miracle Day has raised over $50 million in Canada.
CIBC is a leading North American financial institution with nearly 11 million personal banking and business clients. CIBC offers a full range of products and services through its comprehensive electronic banking network, branches and offices across Canada, in the United States and around the world. You can find other news releases and information about CIBC in our Press Centre on our corporate website at www.cibc.com.



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O Canada

The push is on for financial literacy

Schools want to teach money management at early age; experts say current programs lacking



PAOLA LORIGGIO THE CANADIAN PRESS


TORONTO —
Educators across Canada are increasingly seeing the value of teaching kids the basics of money management at a young age, but some experts warn the patchwork of programs being offered in schools can only go so far in helping students avoid major money pitfalls down the line.

School systems in several provinces — including Ontario, Quebec and Saskatchewan — have in recent years added elements of financial literacy to the core classes taught through elementary and high school, while British Columbia more than a decade ago created a mandatory Grade 10 financial life skills class.

But in order to truly make those lessons sink in, schools must have a designated financial capability curriculum that’s applied across the board, some experts say.

“Unless you have a focused, consistent curriculum designed specifically and implemented across the majority of grades, so it knows where it ended last year and it’s going to pick up and add more information . . . it’s never going to work," said Gail Vaz-Oxlade, the financial guru behind the TV show Til Debt Do Us Part and author of Money-Smart Kid$ and other books.

“And the problem we have right now is that by using the word ‘money’ or using money context for traditional lessons, (school) boards are convincing parents that they’re putting financial literacy into schools — but they’re not."

In Ontario, the focus in the classroom is largely on the math aspect of money management, “but those things are not the issue in terms of how to deal well with money," Vaz-Oxlade said. “The issue in terms of how to deal well with money are things like you can’t spend more money than you make."

A 2012 study by the Investor Education Fund found only 40 per cent of participating Ontario high school students felt some­what or very prepared to manage their finances after graduation, and roughly a quarter said their schools gave them most or all the financial information they needed. Sixty-nine per cent said they thought personal finance should be taught in the classroom, according to the study, which was based on an online poll of 400
high school students.

As part of its curriculum review process, the Ontario Ministry of Education has “further integrated financial literacy concepts and skills" in the curriculum for grades four through 12, a ministry spokesman said.

“While the Ministry of Educa­tion is responsible for developing curriculum policy, implementa­tion of policy is the responsibility of school boards. Teachers plan units of study, develop a variety of teaching approaches, and select appropriate resources to address the curriculum expectations, taking into account the needs and abilities of the students in their classes," Derek Luk wrote in an email.

The province has also invested more than $2.5 million in finan­cial literacy resources and profes­sional learning opportunities for educators, he said. There’s been significant momentum in recent years in terms of bringing finan­cial education into the classroom, said Gary Rabbior, president and CEO of the Canadian Foundation
for Economic Education. The foundation runs the Building Futures program, which “helps teachers to integrate a basic eco­nomic and financial education into the grade 4-10 school cur­riculum," according to a news release. The program is already in place in Manitoba, with Saskat­chewan soon to follow suit and talks underway with several other provinces.

While making financial educa­tion compulsory across Canada would be beneficial, schools simply aren’t ready for such a major change at this time, Rab­bior said.

“Throwing something compuls­ory on an education system that isn’t prepared for it often has negative results. You have to invest the time to train the teach­ers, have effective resources that can prepare the system for broad­based implementation," he said.

“We’re hoping that with all the interest now, and the higher prior­ity and the willingness to do something, there can be efforts invested over the next three to
five years to prepare the system, make school board people aware of it, train teachers to be able to do it, equip them with resources they feel comfortable with and fit with what they think is appropri­ate for their kids," so that it can eventually be mandatory, he said.

In the meantime, initiatives like the annual Talk With Our Kids About Money Day — also run by the CFEE — as well as workshops and other programs fill the gap for students worried about how to balance their pocketbooks.

Students at Father Lacombe High School in Calgary were taught about credit cards and budgeting in a 45-minute work­shop held last month as part of Financial Literacy Month.

For Henry Pham, 17, the work­shop was “a good reality check for the future."

“I know the majority of us are really not good with money," Pham said of himself and his peers. “We won’t have enough money to save up for university, pay for our school fees, and a lot of people, they take student loans
because they’re just not good at saving money and it’s really not good to be in debt."

Having structured, hands-on lessons on dealing with budgets and other practical topics would help students get their spending under control before they do too much damage, said Charlene Madayag, 17.

“At school people just spend their money — for lunch, every lunchtime, they always buy a $5 meal and that can waste so much money and they don’t notice that and for us to know that that is how much we spend in a month or a year in school." she said. “Having a class like that for finan­cial things, it would be really really helpful."

Still, it’s not entirely up to schools to instill good financial habits into children, said Vaz-Oxlade, whose career revolves around rehabilitating adults’ attitude toward money. Parents need to transmit those lessons in day-to-day life, and that means getting their own house in order first, she said.





Students make their way to the first day of school at Sherwood Park Elementary in North Vancouver earlier this year.

JONATHAN HAYWARD
CP





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 Kids and money: How young is too young?
By Gail Johnson | Insight – Fri, 2 Nov, 2012 11:52 AM EDT
Save 10 per cent of everything you make: that was a key message in The Wealthy Barber, a seminal book on money published in 1989. So if adults should do it, why not kids?
In fact, it's never too early to start teaching kids about money, financial experts say.
https://s.yimg.com/bt/api/res/1.2/j1csQglO.RtmaWZ3dWfcOA--/YXBwaWQ9eW5ld3M7cT04NTt3PTE5MA--/http:/l.yimg.com/os/512/2012/11/02/MC-Headshot6-BW-photo-jpg_160023.jpgMelissa Cassar is pictured in a handout photo."Financial literacy is an important life skill," says , Visa Canada's head of corporate and public affairs. "If we start teaching kids the value of budgeting and spending wisely from an early age, we are helping equip them to make smarter decisions as they grow up.
"In Canada, financial literacy is not a compulsory school subject," she adds, "so parents need to make sure that they are helping their children learn the basics of financial management."
The worst thing is for kids to assume that money comes from one place: the bank machine. And it's better to start planting the seeds of healthy financial habits while they're young, because once they're teenagers, they might not be as receptive to parents' sound advice.
The trick to getting kids interested in learning about money, of course, is to make it fun. "To catch the attention of a younger audience, activities that are interactive, educational, and entertaining are the way to go," Cassar says.
There are lots of resources out there to help. Consider a few:
Money Mama and the Three Little Pigs
The book's author, mompreneur Lori Mackey, who's also the founder of Prosperity4Kids.com, uses a 10-10-10-70 system for teaching kids to budget.
She suggests parents teach children to save 10 per cent, invest 10 per cent, donate 10 per cent, and live off 70 per cent. To make this tangible for kids, when you give them a dollar, give them two quarters and five dimes. Sit with them and allocate coins. You can use something as simple as Tupperware containers.
Peter Pig's Money Counter
A new game launched by Visa Canada for Financial Literacy Month (November), it's geared to kids aged four to seven. It encourages players to boost their bank balance by counting and sorting coins, teaching them about saving and banking. Available at Practicalmoneyskills.ca, it's one of several activities on the site for children of all ages. There are cost calculators, budget templates, quizzes, and other games.
Avengers: Saving the Day
This comic book, created by Visa and Marvel Comics, features a fast-moving plot revolving around the popular Avengers characters like Spider-Man and Hulk. Kids learn about personal finance while battling the evil Mole Man during an attempted heist. It introduces children to basic financial concepts such as budgeting, saving, and banking and is available in several languages at Practialmoneyskills.ca.
The Bill-Paying Game
Neale S. Godfrey and Carolina Edwards, co-authors of Money Doesn't Grow on Trees: A Parent's Guide to Raising Financially Responsible Children came up with this one.
It works like this: count out a "salary" in play money. Then, take some old bills and write the amount due on a piece of paper, along with entries for  payment due date, minimum payment due, and "balance due," then let them decide how much to pay.
Everyone wins if the bills get paid on time. Use leftover money to introduce the concepts of savings and donating.
Other tips to help kids become moneywise?
·         Get a piggy bank, as it's a tangible way for little kids to understand money and saving, as opposed to an offsite, virtual account.
·         Praise little ones for their progress when it comes to saving.
·         Speak openly, honestly and regularly to your kids about budgeting, goals and financial limitations.
"Helping your kids learn about money can be as simple as finding teachable moments that start conversations," Cassar says. "With the upcoming holidays, parents can involve older kids in planning and budgeting holiday gift purchases. Keeping money management in the conversation can help kids feel comfortable with the topic."

Teaching Children Money SenseHow early should we teach our kids good money sense

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The 5 Most Important Money Lessons To Teach Your Kids

Money Lessons At Every Age
Given how important financial skills are to navigating life, it’s surprising that our schools don’t teach children about money.
As a parent, however, you can teach your child important financial lessons — and you should.
“Look at the mortgage crisis and how many families lost their homes — 3.9 million foreclosures. Look at the amount of money — $1.1 trillion—we owe in student loan debt. The amount — $845 billion — we owe in credit card debt. It’s pretty clear that adults don’t know much about money. To help the next generation avoid the mistakes of their elders, and to live financially fit lives, they need to be taught the essentials about money,” says Beth Kobliner, author of the New York Times bestseller Get a Financial Life, and a member of the President’s Advisory Council on Financial Capability who spearheaded the creation of Money as You Grow, which offers age-appropriate money lessons for children.
http://blogs-images.forbes.com/laurashin/files/2014/07/girl-with-play-money-300x199.jpg
Kobliner says children as young as three years old can grasp financial concepts like saving and spending. And a report by researchers at the University of Cambridge commissioned by the United Kingdom’s Money Advice Service revealed that kids’ money habits are formed by age 7.

“The sooner parents start taking advantage of everyday teachable money moments (for example, give a six-year-old $2 and let her choose which fruit to buy), the better off our kids will be. Parents are the number one influence on their children’s financial behaviors, so it’s up to us to raise a generation of mindful consumers, investors, savers, and givers,” she says.
Below are the top money lessons to be learned at each age, as well as activities to illustrate each point.
Ages 3-5
The Lesson: You may have to wait to buy something you want.
“This is a hard concept for people to learn of all ages,” says Kobliner. However, the ability to delay gratification can also predict how successful one will be as a grown-up. Kids at this age need to learn that if they really want something, they should wait and save to buy it.
Money lessons at this age set the tone for later on. “You really can’t start too early,” says Kobliner. Speaking of her own family, she says, “When we go into a store, if I say, ‘We don’t have money for this,’ they’re smart — they know we have credit cards,” So, she would say, “We’re here to buy a gift for X, and we’re not going to buy anything for you, because we’re not here for that.” Kids then quickly learn that going into a store doesn’t always mean you’ll buy something.
Activities For Ages 3 To 5
1. When your child is waiting in line, say, to go on the swings, discuss how important it is to learn to wait for what he or she wants.
2. Create three jars – each labeled “Saving,” “Spending” or “Sharing.” Every time your child receives money, whether for doing chores or from a birthday, divide the money equally among the jars. Have him or her use the spending jar for small purchases, like candy or stickers. Money in the sharing jar can go to someone you know who needs it or be used to donate to a friend’s cause. The saving jar should be for more expensive items.
3. Have your child set a goal, such as to buy a toy. Make sure it’s not so pricey that they won’t be able to afford it for months. “Then it just gets frustrating, and it gets hard for them to wrap their head around. It’s really more about her being cognizant that she’s saving for a goal than, ‘Oh, I really need her to scrape together those $10 to buy the tutu.’ You want to set them up for success,” says Kobliner. If your child does have an expensive goal, come up with a matching program to help her reach it in a reasonable timeframe. (Kobliner says that while an allowance is a personal choice for every family, at this age, a small allowance could help a child save for these goals.)
Every time your child adds money to the savings jar, help her count up how much she has, talk with her about how much she needs to reach her goal, and when she will reach it. “All those behaviors are really fun for kids,” says Kobliner. “And it gives them a sense of the importance of waiting and being patient and saving.”
Ages 6-10
The Lesson: You need to make choices about how to spend money.
At this age, it’s important to explain to your child, “Money is finite and it’s important to make wise choices, because once you spend the money you have, you don’t have more to spend,” Kobliner says. While at this age, you should also keep up with activities like the saving, spending and sharing jars, and goal-setting, you should also begin to engage your child in more adult financial decision-making.
Activities For Ages 6 To 10
1. Include your child in some financial decisions. For instance, explain, “The reason I chose the generic grape juice rather than the brand name is that it costs 50 cents less and tastes the same to me,” says Kobliner. Or talk about deals, such as buying everyday staples like paper towels in bulk to get a cheaper per-item price.
2. Give your child some money, like $2, in a supermarket and have her make choices about what fruit to buy, within the parameters of what you need, to give them the experience of making choices with money.
3. When you’re shopping, talk aloud about how you’re making your financial decisions as a grown-up, asking questions like, “Is this something we really, really need? Or can we skip it this week since we’re going out to dinner?” “Can I borrow it?” “Would it cost less somewhere else? Could we go to discount store and get two of these instead of one?”
Ages 11-13
The Lesson: The sooner you save, the faster your money can grow from compound interest.
At this age, you can shift from the idea of saving for short-term goals to long-term goals. Introduce the concept of compound interest, when you earn interest both on your savings as well as on past interest from your savings.
Activities For Ages 11 To 13
1. Describe compound interest using specific numbers, because research shows this is more effective than describing it in the abstract, says Kobliner. Explain, “If you set aside $100 every year starting at age 14, you’d have $23,000 by age 65, but if you start at age 35, you’ll only have $7,000 by age 65.”
2. Have your child do some compound interest calculations on Investor.gov. Here, she can see how much money she’ll earn if she invests a certain amount and it grows by a certain interest rate. And have her read this inspiring example of someone who used compound interest to his advantage incredibly well.
3. Have your child set a longer-term goal for something more expensive than the toys she may have been saving for. “Those sorts of tradeoffs, called opportunity costs — what are the things you’re giving up to save money — is a very useful thing to talk about. At this age, kids are trying to not save because they want to buy stuff, but thinking of what long-term goals are and what they’re having to give up shows that it’s a good decision,” says Kobliner. For example, she says, if your child has a habit of buying a snack after school every day, she may decide she’d rather put that money toward an iPod.
Ages 14-18
The Lesson: When comparing colleges, be sure to consider how much each school would cost.
Search for the “net price calculator” on college websites to see how much each costs when including other expenses besides tuition. But don’t let the price tag discourage your child. Explain how much more college grads earn than people without college degrees, making it a worthwhile investment.
Activities For Ages 14 To 18
1. Discuss how much you can contribute to your child’s college education each year. “Every parent should start the college cost conversation by ninth grade,” says Kobliner. “Tackling the subject early and being honest about what your family can afford will help kids be realistic about where they may apply.”
But remember that there are many ways to finance college other than with your own money. With your child, look into which private schools are generous with financial aid, how much of it is in “free money” such as grants and scholarships, how much in loans that your child will have to pay back, and what government programs can help pay back those loans, says Kobliner. Also, check out these eight tips on taking out student loans.
2. Have your child use this College Scorecard to compare how much each college costs, what the employment prospects of graduates are, and how much student loan debt could affect your child’s lifestyle after graduation if he or she attended that college. As with any investment, analyze together whether the money put in will pay off in the end.
3. Estimate your financial aid using the FAFSA4caster tool at fafsa.ed.gov. Also research additional loans, scholarships, and grants — and use calculators to estimate monthly loan payments — on studentaid.ed.gov. Find out about loan repayment options such as Pay As You Earn, which limits your monthly payments to just 10% of your discretionary income. For more information, check out ibrinfo.org or finaid.org.
“Parents should absolutely make their college kids get a part-time job,” says Kobliner, adding that research by Dr. Gary R. Pike of Indiana University-Purdue University Indianapolis shows that students who work 20 hours a week or less at on-campus jobs get better grades because they’re more engaged in student life. “But limit those hours!” she says. “Working more than 20 hours per week can hurt kids’ academic success.”
Ages 18+
The Lesson: You should use a credit card only if you can pay the balance off in full each month.
It is all too easy to slide into credit card debt, which could give your child the burden of paying off credit card debt at the same time as student loans. Plus, it could affect his or her credit history, which could make it difficult to, say, buy a car or a home, or even to get a job. Sometimes, prospective employers check credit.
“The average household owes $7,084 in credit card debt. To reverse the trend of spending beyond our means and racking up hundreds of dollars a year in interest, it’s critical that parents teach their kids how to use credit cards responsibly (or better yet—not at all!—unless they can pay the total bill every month),” says Kobliner.
Activities For Ages 18+
1. Teach a child that if a parent cosigns on a credit card, any late payment could also affect the parent’s credit history.
2. Together, look for a credit card that offers a low interest rate and no annual fee using sites like BankrateCreditcards.com, Credit.com, or Cardratings.com.
3. Explain that it’s important not to charge everyday items so that way if you have a emergency expense that you can’t cover with savings, you can charge that. However, even better is building up at least three months’ worth of living expenses in emergency savings, though six to nine months’ worth is ideal. Learn here how to budget money in order to build up emergency savings.
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Photo: MIKI Yoshihito/Flickr


  O CANADA-  Why isn’t financial literacy taught in school?

By Liam Lahey | Insight – Mon, 27 Aug, 2012 2:00 PM EDT
If there's one positive by-product of the 2008 financial crisis, it's the heightened sense that Canadians need to take personal responsibility for their financial future.
And experts agree: Financial literacy is a critical tool -- an essential life skill -- that Canadian youth need to learn. But it's a skill that is often learned too late. Canada's student debt level has reached a staggering $15 billion, according to the Canadian Federation of Students, with the average student graduating with a debt load of $27,747, according to TD Canada Trust.
"There seems to be very little financial literacy that's taking place today for our children," says Raymond Chun, senior vice-president, everyday banking and payments, TD Canada Trust. "That's the place people really need to start thinking about: educating our youth around financial literacy so they can start saving early for their post-secondary education."
And while Canucks are taking their finances more seriously, consumer debt in this county has hit an eight-year high. And for those who have been diligent savers, longevity risk has complicated retirement plans, leading experts to call for annuity reform in the face of record-high levels of bankruptcy among seniors.
It's a dicey situation that prompted University of Calgary professor Norma Nielson to remark, "Canadians have always been a little better at saving than some other places in the world but I don't know we've spent enough time educating our citizens about how to spend it once they get there."
Personal finance in the classroom
Genevieve Tran has a possible solution and its one that begins in the classroom.
Tran is a certified elementary school teacher in the province of Ontario with a Masters of Education degree from the University of Toronto's Ontario Institute for Studies in Education. She has been teaching financial literacy abroad in Japan for a handful of years, as well as, developing curricula for university courses in that country. Now, she's back in her hometown Toronto looking to raise awareness of what she regards as a glaring need in our elementary and secondary school systems: financial knowledge.
"I've always been interested in teaching students about money. It wasn't officially on the curriculum (at the elementary school she taught at in Tokyo) but I was always thinking about the things they'd actually need to learn," she explains. "Finance and economics, no matter how old a student is, has to factor in there."
Tran says though schools in Ontario -- through the Ontario Government's Ministry of Education -- mandated a financial literacy program in 2011 that targets students in grades four and above, few teachers are aware of it and the program lacks an assessment component and accountability in terms of whether it is administered properly.
"I was very happy to learn Ontario is doing this but when you look at the curriculum document, it's just a cut and paste of previous chunks of other curricula. It's not directly related to financial literacy," she says. "A lot of my teacher friends here in Ontario have never even heard of it. Teachers know this subject is important but from what I'm hearing, they haven't been consulted at all. "
Mary Jane McNamara, central co-ordinating principal, teaching and learning, at the Toronto District School Board (TDSB), says financial literacy encompasses much more than personal finance and is a topic that teachers already cover.
"Financial literacy is embedded in the curriculum from grades four through 12. It's addressed in all subject areas rather than being a specific curriculum document," she explains. "So for instance, if you're an art teacher, you would consult the 'Scope and Sequence' document to determine where financial literacy could be highlighted in connection with art.
"It's bigger and broader than just personal finance. It's touching on problem-solving, critical thinking and analysis, inquiry communication, all related to financial literacy."
It also takes time for all teachers and school boards to digest newly issued guidelines, McNamara says of Ontario's financial literacy program.
"The Ministry will say last year was a 'building awareness year' and that's what we as a board were charged with," she says. "In terms of moving forward, we want to build on that awareness and build-in a more deeper approach to financial literacy in all areas."
If educators agree that financial literacy is a key component of a child's education, why hasn't a separate curriculum been developed?  McNamara tells Yahoo! Canada Finance that prior to the Ontario Government's 2011 mandate, there was a provincial committee charged with gauging what was happening nationally in terms of all of society's financial literacy.
"This group came up with a resource called "A Sound Investment". It's a very good document that focuses on planning ahead in terms of what we should be doing in Ontario's schools to address financial literacy," she adds. "That provided direction to the (Ontario) Ministry (of Education) in terms of how it should happen as opposed to a specific course because it's so broad a topic."
Fair enough but one can't help but to wonder why it took until 2011 for Ontario to introduce its financial education guidelines for teachers. There was a recession in the early 2000s followed by the Great Recession of 2008.
"The work on financial literacy education began in November 2009 when the then Minister of Education asked the Curriculum Council to examine the issue of financial literacy in the Ontario curriculum," says Gary Wheeler, spokesperson, Ministry of Education in Toronto. "In Ontario, the financial literacy education initiative starts in grade 4. This is consistent with many other jurisdictions' approach to financial literacy education."
Financial literacy resources available for all ages
Julie Hauser, spokesperson for the Financial Consumer Agency of Canada (FCAC) in Ottawa, says everyone, not just Canadian youth, could stand to benefit from increasing their financial prowess.
"One of the issues is understanding what financial literacy is; which is having the ability and understanding to make financial decisions that best meet your own needs," she says.
Part of the FCAC's mandate is to promote consumer awareness of the obligations of financial institutions to consumers and to foster consumer understanding of financial services and related issues. In 2008, the FCAC launched a freely available Web-based program called "The City" to schools, students, and families nationwide that aims to provide effective ways to manage money.
"It's a learning program that teaches financial skills. Schools across Canada can use it in class to help students better understand how to manage their personal finances," she adds. "It's a teacher-led program that introduces and explains basic financial concepts. It goes through the concepts of managing a budget, looking at expenses and savings vehicles, and it gives tips on how to cut down on personal expenses.
"The age group (of those accessing the program) varies widely. It's not just students that are taking it."
Financial literacy begins at home
Tran adds teaching financial literacy to youth shouldn't be the sole responsibility of school boards and individual teachers.
"There's nothing stopping parents, neighbourhoods or communities, from initiating some form of financial literacy and don't be ashamed of the lack of your own knowledge," she says. "You have this opportunity to impart some level of understanding you've learned onto kids … for them to be (suddenly) subjected to post-secondary and credit card debt in their early twenties is way too late. They have no education in entrepreneurism and that will only stifle our country's economy by having these people go through life only colouring between the lines."
The FCAC will also introduce a new program this autumn called "Your Financial Toolkit". Hauser says it's been designed to help adults better manage their personal finances. To that end, the FCAC offers a number of free educational programs for educators to utilize.



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1.     [PDF] 
pubs.ext.vt.edu/2912/2912-7042/2912-7042_pdf.pdf - Cached - Similar
to teach children how to handle money. ... to do extra and you need other things
done (they should not be able to wash ... discussion should include money they
can spend, money they are saving, and donations. ... 2. Tips for Children under 5:
It's never too early to start!

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HANDS ON BANKING • INSTRUCTOR GUIDE • KIDS • VERSION



Hands on Banking® Instructor’s Guide
Kids’ Version (Grades 4 and 5)
.Table of Contents.
Introduction 4.
How to Use This Guide 6.
You and Your Money 9.
Section 1: The Meaning of Money 10.
Section 2: Earnings 11.
Earning Power Worksheet 12.
Section 3: What Banks Do 15.
Teaching Tips 18.
Earnings Worksheet 20.
Budgeting 21.
Section 1: Needs versus Wants 22.
Personal Budget Worksheet 23.
Section 2: Budgets 25.
Shopping With a Budget Worksheet 26.
Build Your Own Budget Worksheet 30.
Teaching Tips 34.
Savings and Checking Guide 35.
Section 1: Savings Accounts 37.
Depositing Money in a Savings Account 39.
Savings Deposit Worksheet 40.
Section 2: Savings Withdrawals 42.
Savings Withdrawal Worksheet 43.
Section 3: Keeping Track of Your Savings 45.
Savings Register Worksheet 46.
Section 4: Writing a Check 48.
Writing a Check Worksheet 49.
Section 5: Keeping Track of Your Checking Account 52.
Check Register Worksheet 53.
Section 6: The Concept of Balancing a Checking Account 55.
Teaching Tips 57.




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Teaching kids about money
Piggy bank basics
In a rapidly changing world, teaching your children about managing money has never been more important. Here we explain how to raise money smart kids.
·         How to raise money smart kids
Why teaching kids financial skills is important
If kids develop good financial skills from an early age they'll be ready for the financial challenges of adulthood.
Giving your kids a good foundation and teaching them about money matters is critical for their personal development. Showing children the basics such as how to budget, spend and save will establish good money habits for life.
Video: Teaching kids how to budget to become financially savvy
David and Libby Koch share their tips on teaching kids about budgeting and developing sound money skills. They also talk about MoneySmart's budget planner andTrackMySpend app.
This video was developed in partnership with the Koch family and Father Chris Riley'sYouth Off The Streets.
Invisible money
In a time of credit cards, internet banking and online shopping, children don't often see people buying products with physical money like notes and coins.
Not seeing money exchanged for purchases makes it harder for kids to get their heads around what things cost. They might see this invisible money as an abstract and unlimited resource rather than real money coming in and out of their family's bank accounts.
Talk to your kids about money often to help them make this invisible money real.
Video: Money Makes the World Go Around
This digital animation made by MoneySmart Teaching uses social trends and statistics to show the demands of our modern world on young people, where money has become invisible.
When should you talk to your kids about money?
Teaching younger kids the value of money through real life situations and examples will help them understand where money comes from and how it is earned. Here are a few examples of how you could approach this with your kids.
At the ATM
The ATM is a great place to start teaching kids about money. You could explain to your child that the ATM holds the money you have made by working hard and saving. It is not just a hole in the wall where money comes out.
When you take money out of the ATM it is taken from your bank account and you'll have less in your account to spend later.
At the supermarket
When buying items at the supermarket, you can explain to your kids how items are priced and that you can get cheaper or more expensive versions of the same product. This is also an opportunity to discuss how you can shop around for the best price.
You could get them to compare prices for you and pick the cheapest one. If they want a particular brand then explain the price difference to them.
Paying bills
If you receive bills in the mail or online, this can be an opportunity to explain that electricity or your internet connection costs money. You could explain that to pay a $150 power bill it took you so many days at work to earn the money. This will help create a connection between time spent at work and money, as well as the fact that electricity and the internet cost your family money. It might also make them think twice about leaving lights and appliances on.
Doing a budget
Involving your kids in discussions about your family budget is another way you can talk to your children about money. This helps give them the big picture about costs and spending.
By explaining how much money your family has to spend every week and how this money is spent your kids will better understand the costs of family life and how much can be saved for other things.
Take a look at our budget planner and help your kids put together their own budget.
Giving pocket money
Pocket money can help children better understand the value of money. See our giving kids pocket moneywebpage for more details.
Money concepts at different ages
Smart tip
Let your kids pay for small expenses with their pocket or birthday money. This will help them work out how far their money will go.
As your children grow up, they will have different experiences and require a better understanding of money. Here are some ideas about the sorts of things your children will need to know at different ages.
Younger children (Preschool age)
§  You need money to buy things
§  Money includes notes and coins that have different values
§  You earn money by going to work
§  There is a difference between things you need and things you want
School age children (Primary school)
§  Comparing prices and shopping around before you buy something is a good habit to get into
§  Be careful when shopping online and never share your personal information online
§  You need to be patient when saving up and you can make choices about how to spend your money
Practice the experience online
MoneySmart Teaching have a great range of digital activities your kids can use to learn about money.
thumbnail-needs-and-wants
(Year 2)

thumbnail-party-time
(Year 3-4)

thumbnail-helping-out
(Year 3-4)

thumbnail-pay-the-price
(Year 2)
Teenagers (High School)
§  It is better to use cash than credit
§  Credit is money that you borrow and have to pay back with interest
§  It is good to have savings in case of a money emergency
§  If you work a part-time job, you need to check your pay slip to see that you are being paid the correct amount and if you are paying tax
§  Keep track of mobile phone data and expenses to make sure you don't run out of credit or get stuck with a large bill
§  Bank accounts can help you to track and keep your money. See our under 25s section for videos and tips about managing money for young people
§  Doing a budget helps you work out how you should spend your money
Video: Teaching kids and teens about money
David and Libby Koch discuss some approaches you could take when talking to your kids about money.
This video was developed in partnership with the Koch family and Father Chris Riley's Youth Off The Streets.
How to raise money smart kids
When children get to an age where they are earning pocket money or working a part-time job, they will start to spend their own money.
Here are some things you may want to do with your children to help develop their financial savvy and independence:
§  Shopping lists - Ask your kids to help you compile a shopping list of needed items for home.
§  Research purchases - Work with your children to research online or shop around to find the best price for an item they want.
§  Set goals - Help your kids to set a goal and track their savings through a chart (for example, they could colour in coins on a chart to show their progress). For older children and teenagers set up a bank account and help track saving and spending.
§  Plan an event - Involve your children in planning and budgeting for special occasions such as outings or birthdays. If you are going on an outing work through all the costs including transport and food as well as any admission prices.
§  Shop safe online - Make sure your kids are safe when online shopping and know how to spot an online scam. If it sounds too good to be true, it probably is.
§  Needs vs wants - Help your kids avoid spontaneous purchases and set goals to think about whether they want an item before parting with their money. Discuss the difference between needs and wants and encourage your children to think about this before spending.
§  Check mobile use - When your child receives their first mobile phone, show them how to check and minimise data usage, set boundaries on use and involve them in selecting pre-paid or a plan.
§  Criticise ads - Get your children to review advertising on TV and in catalogues with you. Ask them what the ads are trying to sell, how they try to sell it to you and if they need the product they are advertising.
Shopping for a mobile phone
MoneySmart Teaching have digital activities to help your teens learn more about how to approachshopping for a mobile.
Teaching kids about money is an important skill. Money skills should be developed from an early age and fostered into young adulthood. The more financially savvy your children are the better spending decisions they will make throughout their lives.



   NATIONAL HIGHLIGHTS

St. John Ambulance Unveils Mobile Version of Website
​​Now offering the convenience of mobile access to first aid course information, along with other key resources, users can take the www.sja.ca site on the go. Regular use of the website was analyzed to determine what features would be available on the mobile site. From your smartphone, you will be able to access the following features:
·     Search for and register for a course in your area
·     Order first aid kits and supplies
·     Access safety tips and resources
·     Learn about local community services and volunteering
·     Make a donation
·     Access St. John Ambulance social media pages
·     Search the site, and more!
To access the site, use any mobile browser to visit www.sja.ca. Your smartphone will know what to do! 


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www.kijiji.ca › Nova Scotia › community
o     
o     
All instructors are active Nova Scotia firefighters and paramedics; -… .... Would you like to teach for Canada's leader in First Aid and CPR programs? Join St.



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www.seattlechildrens.org/classes.../classes.../cpr-and-first-aid-for-babysitters/ - Cached - Similar
Youths 11 to 15 learn CPR and first aid skills for infants and children. ... If you are
looking for a babysitting class for your child, please register them for Better ...


www.cprnetwork.ca/index.php?pr=school_cpr_program - Cached
What if every student in your school knew how to save a life! ... training program
for young children in elementary school to teen-aged high school students. ... (
and their teachers, too) typically take a certified CPR or First Aid course. ... The
sessions are taught to regular classroom groupings in the classroom or the gym.

www.cprnetwork.ca/index.php?pr=school_cpr_program - Cached
What if every student in your school knew how to save a life! ... training program
for young children in elementary school to teen-aged high school students. ... (
and their teachers, too) typically take a certified CPR or First Aid course. ... The
sessions are taught to regular classroom groupings in the classroom or the gym.

www.stjohnambulance.com.au/st.../first-aid-training/first-aid-courses - Cached - Similar
St John Ambulance offers an extensive range of First Aid courses in WA to
choose from. ... Basic Emergency Life Support (Workplace First Aid or Caring For
Kids) ... delivery in a classroom and instead gives students the opportunity to
learn in ...

1.     PDF] 
www.sja.ca/Documents/SJA%20CalgaryFirstAid2014.pdf - Cached
In this one-day course, students will learn to recognize and provide interventions
for ... $160 • TWO DAY. This course is intended for Health Care Providers and
includes all ... gency life saving skills and first aid topics with a focus on children.
The course ... is approved by Alberta Workplace Health & Safety as meeting the.


Emergency Preparedness
-- Why Have an EP Plan?

Extremes in climate, ever-changing weather patterns, and social or political unrest are factors that can place us at risk for a wide range of potential disasters including earthquakes, tsunamis, wild fires, floods, and severe weather. No community is without risk. Regardless of the nature of a disaster, the services we most take for granted (gas, electricity, water and phone) may be disrupted for days. Roads may be blocked; storm drains and sewers backed up; stores, banks and gas stations closed; family life, work and school will likely be disrupted.

In the event of a major disaster, experience has shown us that it will likely take three or more days for emergency services such as police, fire, ambulance, and other outside assistance to reach many neighbourhoods. It may take even longer if you are located in an area that is isolated or has difficult access.

When a disaster strikes, it will be too late to start making lists of the supplies you need. It’s unlikely you’ll have time to grab your portable radio from the basement, find batteries for the flashlight, restock first aid supplies, or assemble food, water, essential medications, and important documents. This type of preparation of an emergency preparedness kit needs to be done before an emergency. If a disaster strikes, being prepared in advance can make the difference between inconvenience and immense losses. We encourage you to start preparing NOW.


emo.gov.ns.ca/ - Cached - Similar
Government of Nova Scotia, Canada ... Prepare an Emergency Kit ... A guide to
help event and municipal emergency planners prepare for gathering events in ...


Prepare for an Emergency
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Emergency Preparedness for You and Your Family Are you prepared for an emergency? Emergency officials work to ensure the readiness of our communities, municipalities and province in an emergency event. However, we as individuals also have a responsibility to ensure our own safety and that of our family. If you are without electricity for a couple of days, or weeks, do you have the supplies needed to see you through? Do you have a household emergency plan outlining exit routes from your home and your neighbourhood? Emergencies can be stressful, but if you take the time now to prepare yourself and your family you will be better able to cope. Being prepared means:
·         knowing the risks,
·         developing a plan, and
·         preparing a kit.
Know the Risks
Being aware of the potential risks we face in Nova Scotia can help you to be better prepared should an emergency occur. You may find it helpful to make a list of these risks and think about how they might affect you and your family.
Develop a plan
Everyone needs an emergency plan. It will help you and your family know what to do if an emergency should occur.
Prepare a kit
Being prepared for an emergency also means having the necessary supplies on hand to help you and your family cope.







Plan for your pets

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Just as important as planning for your family, you should have a plan in place for your pets during an emergency. Animals can’t be left behind in the event of an evacuation and many temporary emergency shelters will not accept them.
Preparing Pets for an Emergency:
·         Make sure your pet’s vaccinations are up-to-date. Pet shelters may require proof of vaccines.
·         Keep a collar with license and identification on your pet.
·         Have a special kit prepared including a leash, muzzle (if necessary), carrying case, food, water and food bowls, any necessary medications and specific care instructions for your pets. Even if you are not forced to evacuate your pet will have adequate food and supplies on hand.
·         Contact your veterinarian or local humane society to find out potential shelters ahead of time.
Taking Care of Pets During an Emergency:
·         Bring pets inside well in advance of a storm. Many animals are uneasy during storms – try to keep them calm and reassured.
·         Pet shelters will fill fast. Call ahead to determine availability.
Taking Care of Pets After an Emergency:
·         Walk your pet on a leash until they are comfortable and re-oriented. Often, in the aftermath of a storm, familiar landmarks and scents have disappeared and pets could become confused.
·         Watch for downed power lines and debris.
·         Watch your pet’s behaviour – they may become defensive or aggressive after a traumatic event.

Fact Sheets
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·         Minister
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Prepare for an emergency

·         Know the Risks
o    Wildfires
o    Hurricanes
o    Floods
o    Winter Storms
o    Storm Surges
o    Becoming Lost
·         Develop a Plan
·         Prepare a kit
·         Plan for your pets

911

·         When to Call...
·         Civic Addressing
·         Cell Phones
·         VOIP
·         Frequently asked Questions

Business and Government

·         Business Continuity Management
·         Tips for small businesses

Disaster Financial Assistance

·         Program Limits
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English

·         Joint Emergency Operations Centre (pdf)
·         EMO's Role in Emergencies Fact Sheet (pdf)
·         911 Fact Sheet (pdf)
·         States of Emergency Q&A (pdf)
·         Emergency Preparedness Fact Sheet (pdf)

Services en français

·         Fiche d'information sur le 911 (pdf)




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www.getprepared.gc.ca/cnt/rsrcs/pblctns/.../index-eng.aspx - Cached - Similar
9 Dec 2013 ... You should be prepared to take care of yourself and your family for a minimum of
72 hours. ... the Canadian Disaster Database at: http://www.publicsafety.gc.ca/
cdd. For ... such as earthquakes, power outages, floods and severe storms. ....
Teach children how and when to dial 9-1-1 as well as how to call the ...



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1.     [PDF] 
emergency.cdc.gov/.../helping-parents-prepare-for-disasters-final.pdf - Cached - Similar
Helping Parents. Prepare for Disaster. Tip Sheet. Anyone who is a parent knows
how hard it can be to raise a child. Add a stressful situation, like a natural.







Disasters affect everyone. And so it takes everyone
- youth, parents, and community members -
to help prepare.
Map - see what happening in your state.

Be a Hero!








HEY KIDS- YOUTH-  Disasters affect everyone. And so it takes everyone
- youth, parents, and community members -
to help prepare.

·         Make a Plan

·         Build a Kit

·         Know the Facts

·         Get Involved
·         Home

·         Kids

·         Parents

·         Educators
Main content
Be Prepared, Build a Kit
Being prepared for an emergency isn't just about staying safe during a
disaster. It's about how to stay comfortable, clean, fed, and healthy
afterwards – when a storm or disaster may have knocked out electricity.
If you lost power, how would you eat? The refrigerator can’t keep foods cold. The
microwave can’t warm things up. You might not get clean water out of your faucets.
How would you find out whether it was safe to play outside? Not from the TV or computer!
That’s why it’s important for families to work together to build an emergency kit
before an emergency strikes. There should be enough food, water, clothing, and
supplies to last for at least three days.

Build a Kit - Preparedness Question" What would you need to feel safe and secure? A favorite stuffed animal?  Toys? Remember, electronics won't work!"
Star burst with Play the Build a Kit game!
Starburst with Print out an emergency kit checklist and prepare one today!
Here are some items you and your family will need:
·         Non-perishable food (such as dried fruit or peanut butter)
·         First aid kit
·         Extra batteries
·         Matches in a waterproof container
·         Toothbrush, toothpaste, soap
·         Paper plates, plastic cups and utensils, paper towels
·         Water – at least a gallon per person, per day
·         Battery-powered or hand-cranked radio
·         Sleeping bag or warm blanket for each person
·         Flashlights
·         Whistle to signal for help
·         Can opener (manual)
·         Local maps
·         Pet supplies
·         Baby supplies (formula, diapers)



 
The U.S. Department of Homeland Security (DHS) has adopted and is using in commerce the characters (specifically Ray, Gayle, Misti, Sonny, and Raina) associated with the Federal Emergency Management Agency’s Youth Preparedness Program. DHS is in the process of registering the characters with the U.S. Patent & Trademark Office. Use of the characters, without permission, is unauthorized and in violation of trademark law.
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