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Curriculum Frameworks �to Support �Classroom Instruction:

Personal �Financial �Literacy

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Session Goals:

  • Introduce the major components �of the Oklahoma Personal Financial Literacy Curriculum Frameworks
  • Explore samples of suggested resources for Teaching and Learning
  • Provide new ideas and instructional strategies for the PFL classroom

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Thinking back….

What could have made my first year �of teaching PFL more successful?

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Think about this scenario…�You are building a house. �At its base, you want to lay the strongest foundation �for lasting success.

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What are the Frameworks?

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In many ways, �the Curriculum Frameworks �is similar to the structure of any building- �your home, your school, �a business, etc.

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What are the Frameworks?

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The Academic Standards form the foundation.

The roof represents the ultimate goal of student learning.

The Frameworks provide resources and approaches �for successfully implementing the standards in order to assist student achievement.

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The standards declare what �all students should learn at each grade level �or course of study. �With this strong foundation, �the “frame” for our house is on stable ground.

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What kind of support �can the Frameworks offer?

  • Concrete examples of what teaching �and learning “looks” like for each objective.
  • Descriptive “snapshots” of effective instruction and assessment.
  • Clarified concepts and depths of understanding required by the standards.
  • Lesson plans and interactive experiences �which encourage inquiry into PFL concepts.

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Where can I find the PFL Frameworks?

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https://sde.ok.gov/oklahoma-curriculum-frameworks

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HOMEPAGE

Find General Resources:

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PFL Frameworks Guide

OAS Standards document

Glossary of Vocabulary

FAQs

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HOMEPAGE

NEW:

Sample Pre/Post � Multiple-Choice� Assessments � by Standard w/KEY

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HOMEPAGE

Also, find:

Instructional Strategies

for Building PFL Skills

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Suggested Instructional Strategies

Select tabs to find collections of strategies, directions for teachers, and student samples.

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Let’s explore �the features �of the Curriculum Frameworks together…

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Objective Analysis

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Instructional Resources

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Teacher References

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Formative Assessments

PFL�Frameworks

Major Components of the Curriculum Frameworks

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Frameworks HOMEPAGE:

Find Specific Standard �to Access Resources

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STANDARDS Page:

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OBJECTIVE Page:

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Let’s explore the �first component �of the Frameworks:

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Objective Analysis

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    • OAS Standard �and Objectives
    • In a Nutshell
    • Teacher Actions
    • Student Actions
    • Key Concepts
    • Misconceptions

Objective Analysis

Major Components of the Curriculum Frameworks

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Objective Analysis

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Oklahoma Academic Standard:

PFL.10 The student will explain and compare the responsibilities of renting versus buying a home.

Objective:

PFL.10.2 Explain the elements of a standard lease agreement (e.g., deposit, due date, grace period, late fees, and utilities).

In a Nutshell

It is important that students realize that renting a dwelling can take the form of many different arrangements. The learning objective asks students to delve deeper into the costs and benefits of leasing, including the rights and responsibilities of renting, the features of a standard lease agreement, and other costs involved in leasing an apartment or house.

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Teacher Actions:

Student Actions:

  • Describe the elements of a standard lease agreement: deposit, due date, grace period, late fees, utilities and lease term.
  • Assist students in examining provided  samples of lease agreements in order to identify and understand provisions.
  • Provide a sample of an unfair lease agreement from the perspective of a renter and encourage students to discuss how they would make the agreement a stronger, more valid one.
  • Independently analyze and annotate a sample lease agreement, identifying key terms and conditions of the contract.
  • Brainstorm why lessors place specific conditions on lessees in order to gain a better understanding of why careful attention to details in lease agreements is important to both parties.

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Objective Analysis

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Key Concepts and Content:

Misconceptions:

  • tenant, lessee, lessor, amenities, landlord, rental term, security deposit, acknowledgement clause, due date, grace period, late fees, credit reporting, eviction
  • Some students may not fully understand that a lease agreement is a legally binding contract. 
  • Many students will be unaware of protections tenants have against illegal eviction.

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Objective Analysis

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Let’s explore the �next component �of the Frameworks:

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Instructional Resources

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    • Lesson Ideas
    • Investigations
    • Games/Webquests
    • Videoclips

Instructional Resources

Major Components of the Curriculum Frameworks

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    • Correlated to the Objective
    • Vetted and recommended by the Frameworks �Writing Team
    • Not intended to serve as an exhaustive list of appropriate resources

Instructional Resources

Description of Instructional Resources:

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Sources Include:

    • Recommended OCEE/SDE lesson plans
    • Suggested �supplemental ideas

Instructional Resources

Major Types of Instructional Resources:

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Recommended Instructional Resources

Lesson Ideas and Presentations

  • Renting an Apartment, from the Oklahoma Council on Economic Education, focuses on the reasons that people rent, explaining the features of a standard lease agreement and other costs involved in leasing an apartment or house, in order to evaluate the cost and benefits of renting.

Recommended Resources:

“Core” lesson, activity, and classroom presentation, fully meeting requirements �of each standard.

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Suggested Supplemental Resources

Suggested Lesson Ideas:

  • The Rental Agreement, a lesson from the University of Wisconsin, explores the major components of the legal agreement using real-world examples. 
  •  Renting a Place to Live, from EconEdLink, asks students to brainstorm options for housing, identifying the best criteria for choosing a place to live, and how certain choices would impact their budget.
  •   Eviction is a brief lesson from the University of Wisconsin, which address the legal steps in notifying occupants of a landlord’s intentions, including legal protections offered to consumers. 

Suggested Supplemental Resources:

Additional options, extended lesson plans selected by PFL Framework Writers.

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Suggested Supplemental Resources

Suggested Interactive Learning and Instructional Videos:

  • Find an Apartment, a webquest from Next Gen Personal Finance, challenges students to locate an apartment that fits their needs, budget, and other personal preferences. Students have the opportunity to calculate how much they can afford on housing, as well.
  • All About Lessees (1:35 minute videoclip) Investopedia

Suggested Supplemental Resources:

  • Collaborative, interactive ideas, �online activities, simulations, games.�
  • Videoclips for reinforcement of learning.

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Let’s explore the �next component �of the Frameworks:

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Formative Assessments

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Major Components of the Curriculum Frameworks

Evidence of Learning:�

    • Measure student progress before and during instruction

Formative Assessments

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Do NOT open from Google drive folder…

Download �to your own device then open from that location and �“SAVE AS.”

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Let’s explore Formative Assessments:

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Taking a “peek” at samples and types…

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Formative Assessments

Non-Traditional Strategies

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Sample Formative Assessments:

Classroom-Ready Forms

Student Sample/Key

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Evidence of Learning

Sample Formative Assessments:

Every objective provides an Anticipation Guide for pre/post assessment.

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Sample: Anticipation Guide

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Sample: Always, Sometimes, Never

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Sample:

Exit Tickets

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Sample: Graphic Organizers

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Sample:

Academic Vocabulary

Frayer Card

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Sample: Concept Connection

(Word Splash)

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Sample: Tic Tac Tell

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Sample: Odd One Out

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Sample: �PIE Reasoning

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Sample: �Rank ‘Em

Reasons to Shop Online

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Let’s explore the �last component �of the Frameworks:

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Teacher References

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    • Articles from professional publications to enhance background knowledge
    • Useful for student texts, as well

Teacher References

Major Components of the Curriculum Frameworks

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Teacher References:

 

Teacher and Student Support:

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Thinking back….

What could have made my first year �of teaching PFL more successful?

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Objective Analysis

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Instructional Resources

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Teacher References

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Formative Assessments

PFL�Frameworks

Major Components: Rank ‘Em

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WIKI takes you home, if lost

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Curriculum Frameworks �to Support �Classroom Instruction:

Personal �Financial �Literacy