Using Best Questions �in Personal Financial Literacy

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Questions

in PFL

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What are the common types of questions students encounter in their PFL lessons and learning?�

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Thoughts to consider…

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“Having a literate citizenry rests on a commitment to democratic values and �the practice of them. It requires the ability �to use knowledge about one’s community, nation and world, apply inquiry processes, and employ skills of data collection and analysis, collaboration, decision-making �and problem-solving.”

Considering the Potential of Questions �

• Provide Focus for Learning
• Offer Cohesion across Units of Study
• Give Focus for Daily Lessons
• Assure Relevant Purpose �for Learning

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PFL�Curriculum Frameworks

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How does the PFL Curriculum Frameworks describe different types of questioning?�

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ESSENTIAL QUESTIONS

KNOWLEDGE QUESTIONS

SUPPORTING QUESTIONS

Levels of Questions:

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What are KNOWLEDGE questions?

KNOWLEDGE QUESTIONS:

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Elicit details, facts, and basic information �about the specific topic being studied.

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The most common questions students explore everyday in any course �or classroom…

Sample: �KNOWLEDGE QUESTIONS

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Who can offer assistance to victims of identity theft?

What is a credit report versus a credit score?

What are deductions made to an employee’s paycheck?

Why do people save for retirement?

When must individuals file their income tax returns?

How is interest figured on a loan?

How does charitable giving affect a community’s needs?

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What are KNOWLEDGE questions?

They are the typical

WHO, WHAT, WHY, WHEN, and HOW questions about financial decisions individuals make.

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What are ESSENTIAL questions?

Understanding by Design �by Grant Wiggins and Jay McTighe

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The Features of Essential Questions

An essential question is – well, essential;

It is important, vital, at the heart of the matter – �the essence of the issue.

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Think of questions in your life �that fit this definition – �Don’t just yet think about it like a teacher; �consider the question as a thoughtful adult.

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• Aha!
• Question?
• Powerful Statements (2)

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Article for Reflection:�What is an Essential Question?�excerpts from Understanding by Design, by Grant Wiggins and Jay McTighe

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Click on title to read the passage.

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Identifying the Characteristics of Essential Questions

“Such questions are broad in scope and �timeless by nature. They are perpetually �questioned, reflected upon, even argued.

�A sound education is grounded �in such life-long questions, �even if we sometimes lose sight �of them while focusing �on content mastery.”

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1. Essential Questions Reflect � Enduring Understandings.

2. Essential Questions connect content.

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Oklahoma State Department of Education 17

They can be applied in many contexts, across different topics �or units of study, even across disciplines.

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The basic concepts of an essential question can be adapted, as needed for multiple grade levels.

3. Essential Questions are Compelling

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They arouse our curiosity; pique our interest.

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They motivate us to want to learn more.

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They are relatively brief and easy �to remember.

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4. Essential Questions are Relevant

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They have the potential to relate to contemporary issues or situations.

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They are within the realm of most student’s experiences.

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In summary, Essential Questions...

• cause genuine and relevant inquiry.
• provoke deep thought, lively discussion, �sustained inquiry, new understandings.
• stimulate on-going rethinking of prior lessons.
• create opportunities for transfer understandings �from school to life experiences.

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1. What does it mean to be a good citizen?
2. Who is the IRS and what does it do?
3. What is the purpose of rules and laws?
4. How does an IRA account work?
5. What is Social Security?
6. How do we meet our needs and wants?
7. Is change inevitable?
8. Why do people purchase life insurance?

Examples: You Decide

KNOWLEDGE?

ESSENTIAL?

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1. What does it mean to be a good citizen?
2. Who is the IRS and what does it do?
3. What is the purpose of rules and laws?
4. How does an IRA account work?
5. What is Social Security?
6. How do we meet our needs and wants?
7. Is change inevitable?
8. Why do people purchase life insurance?

Examples: You Decide

KNOWLEDGE?

ESSENTIAL?

Developing Essential Questions �for PFL Students

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How can we begin to create meaningful and effective Essential Questions for PFL students?

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Writing Essential Questions

Try Your Hand...

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How to Write Essential Questions?

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Suggested ESSENTIAL Questions for Personal Financial Literacy

1. How do people meet their needs and wants?

2. How do financial decisions impact individuals and society?

3. Why and how do people prepare and respond to� challenges and change?

4. What is government’s role and relationship to consumers?

5. What makes a financially responsible citizen?

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What are SUPPORTING questions?

SUPPORTING QUESTIONS:

Make connections between knowledge questions and the “big idea” of an Essential Question.

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Maintain a primary focus on the specific content �of a topic or unit of study.

SUPPORTING QUESTIONS:

Often, the simplest way to think about supporting questions is this…

They restate a learning objective into an �easy-to-remember, clearly understandable question for students to pursue.

Example:

PFL.12.2 Evaluate costs and benefits of gambling to individuals and society (e.g., family budget, addictive behaviors, and the local and state economy).

Learning Objective

Supporting Questions

• Why do individuals gamble?
• What are the risks of gambling?
• In what ways can gambling affect �a family?
• How can gambling impact �a community?

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Supporting questions form a bridge between content- �specific information- we want students to master

and the learning objective…

Content

• People gamble for entertainment
• People can lose their income, become in debt, become addicted, etc.
• Families can lose their homes and security.
• Casinos and race tracks can draw tourism.
• Cities can use tax dollars for public projects, etc.

Essential �and �Supporting Questions�

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How can Essential and Supporting questions bring depth of meaning to the PFL standards and to student learning?

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Consider questions used in a classroom as a hierarchy…�

• Each supports the others.
• Each represents different levels of critical thinking.
• Each aids in applying concrete information to broader concepts.

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What makes a financially responsible citizen?

Why should people with high debt avoid bankruptcy?

What is a credit counseling service?

Example 1.

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What is government’s role and relationship to consumers?

Who is the Federal Trade Commission?

Example 2.

How do laws and agencies protect from consumer fraud?

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Try it…

Recommendations from the PFL Curriculum Frameworks

How can the Sample Unit Progressions provide support for using Essential and Supporting Questions in PFL?

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Oklahoma Curriculum Frameworks for Personal Financial Literacy

Suggested Unit Progressions

Suggested Unit Progressions:

PFL Frameworks

Suggestions developed by the Oklahoma PFL Curriculum Frameworks Writing Committee

Oklahoma Curriculum Frameworks for Personal Financial Literacy

Best Questions presentation

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Using Best Questions in �Personal �Financial Literacy

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What are simple, yet effective ways to get started?

Using Essential Questions

Additional Ideas? Brainstorm

Using Best Questions �in Personal Financial Literacy