Lesson Plans A Personal Matter

A plastic card issued by a bank or building society that guarantees the amount of money on any cheque you write will be paid whether or not there is enough money in the account. Children under 18 years of age who have been provided with care by children's services, often with foster parents. Usually used with primary school children; where children may sit in a circle to discuss social and emotional topics such as bullying or money.

Supports the development of children? Used by teachers throughout the age range for personal, social, health and economic education. Clearing is the time it takes for the bank to complete a transaction, for example, transfer money from one account to another. Things you own of value that can be used to secure a loan; for example a property. This sets out how Ofsted inspects maintained schools, academies, free schools in England. Introduced in September , the framework outlines a four point grading system that will be used by inspectors to make the judgement: The usual type of interest paid on savings and loans, based on the capital plus the interest already paid so far, so the savings or the loan will grow by increasing amounts unless money is taken out or the loan paid off.

A comprehensive insurance policy is more expensive than a third party insuance only policy because it provides cover for accidental damage to your own car in addition to the third party cover. Secondary schools which educates all local children regardless of their ability. A schools intake can vary dependent on popularity and location.

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A loan which combines all your credit card payments, housing arrears, loan repayments and household bills into one monthly payment. A society in which people place a high value on possessions and in which they are encouraged to purchase more. You buy contents insurance to cover your possessions. Some policies will pay for damaged items to be replaced as new — although the insurer may send you a voucher for a set value for you to replace the item at a certain store rather than give money.

The amount you pay will depend on where you live, how big your house is and whether you have a lot of valuables. Tax paid to the local council for local services such as libraries, police, waste collection etc. Continuing professional development - involves activities that develops teachers? A small plastic card available from most banks, and allow you to borrow money up to a certain limit. When you buy something with your credit card, the amount you spend is added to your total borrowing.

Every month you are sent a statement to show how much you have borrowed and how much you need to repay. If you don't repay the full amount, you will start paying interest. A record of loans you have taken out or credit card payments made or missed. The maximum amount the store card or credit company will lend you altogether at any time.

An agency that holds information on adults. This information includes public records e. Electoral Roll entries , credit account information e. Companies offering, for a charge, to advise you how to erase bad credit from your credit record. A score given by a shop or credit agency based on your personal and financial circumstances.

It helps them to decide whether you are likely to repay the loan you are asking for. A non-profit making co-operative savings association that lends money to its members at low interest and encourages saving. A creditor is someone to whom a debt is due. This word is often used to describe the person that lends you money. Child Support Agency; responsible for ensuring that parents who live apart meet their financial responsibilities for their children.

Child Tax Credit; a means-tested benefit for people with children. Introduced to combat child poverty. Money in any form which is used as a way of buying goods and services e. Different countries use different currencies. A low-interest bank or building society account which helps you to manage your day-to-day money; pay bills, receive money and keep money secure. A small plastic card used to buy things without using cash or a cheque; when paying in shops, shopping by phone or on the internet.

When you make a payment or withdraw cash with your debit card, the money is taken straight out of your account electronically. You cannot borrow money on a debit card. Dependents are people who depend on you financially because they have no income. This is usually children who live with you, but it could be elderly relatives you care for. Money that you pay into an account or a deposit is an initial payment which secures the purchase of something, normally a percentage of the total amount.

The way in which the currculum and teaching methods are ammended to meet the learning needs of individual students. A qualification for 14 to 19 year-olds, offering a practical way of gaining skills for employment and university. Subject areas are available including; business administration and finance.

An instruction to your bank to release money from your account to pay bills and other amounts automatically. The billing company requests the money from the bank directly. You are told in advance in writing how much will be taken and the date it will be taken out of your account. A tax-free benefit for people under 65 who have personal care needs or mobility problems. Money which is taken off the price of something. You may need to collect coupons or vouchers before claiming the discount.

Sometimes shops give a discount to their employees. Most shares pay an interim and final dividend. Money transfers made electronically or over the internet; for example direct debits. The time before statutory school age and including the year children start school, usually age 3 to 5. The curriculum is less formal and relies heavily on play.

There is a framework of learning for teachers to follow and learning about money is part of that framework. The UKs economy refers to its production and sale of goods and services and the way the government manages its money. Someone who is paid to work for an organisation, company or someone else. The person who you work for is your employer. Employee National Insurance Contributions; is a form of additional taxation that is taken off your pay before you get it.

You usually need to make contributions before you can claim certain state benefits, such as State Pension when you retire. A life insurance policy that pays out a lump sum at the end of a set period or on death, whichever comes first. The EBacc is a school performance measure, allowing parents and others to see how many pupils in a school get a grade C or above in core academic subjects English; mathematics; history or geography; a science; and a language in any government-funded school in England. An entrepreneur is someone who starts their own business and makes money through risk and initiative.

The value of a property over the amount of the mortgage secured against it; if property prices go up, your equity increases. Negative equity is where the value of your property is less than the amount of the mortgage still to be paid off. An estimate is an educated guess. An electricity or gas company will work out an estimate on the basis of how much electricity or gas you have used at this time of year in the past. A bank that uses its investments and loans to support projects that benefit society or the environment.

Someone who thinks before they buy a product or service about how it has been produced and the costs to the environment or other people e. By boycotting such goods we send a signal that we do not approve of how the product has been made, packaged or distributed. The companies responsible for preparing and marking exam papers for GCSE, A Levels and other externally moderated qualifications. Some insurance policies require you to pay an agreed amount of the cost of any damage if you make a claim. The insurer will then pay for anything more than this.

Agreeing to a higher excess generally reduces premiums. The exchange rate tells you how much you get when exchanging one currency for another e. These describe a possible event or circumstance not covered by an insurance policy. Almost all insurance policies have exclusions. Schools offering services out of normal school hours to support the needs of local families and their communities; such as breakfast clubs or after school clubs.

The fair-trade movement aims to make sure that workers and producers get paid fairly. A sum of money you pay, for example, to have a loan or credit arranged for you. A pension where the amount you get is worked out on the basis of how much you earn in the last or last few years of service and your length of service. A company which makes money by lending to people who want to buy goods on credit. Most shops use finance companies for their credit deals. A financial adviser is a person or company who can assess your financial needs and give advice about money and suitable financial products.

Some advisers can also manage investments for you. An independent financial adviser IFA is one not working for specific bank or other seller of financial products, and can in theory therefore offer a wider range of options. Teaching and learning leading to financial capability. Lessons planned separately or as part of another subject to help learners understand money. Documents that show information about money earned, spent or owed, including statements, bills, receipts etc. Some financial products, such as shares in new businesses, are risky because their value can vary rise or fall over time.

It also includes how much money you owe and any financial arrangements you have made for the future, such as a pension. Sometimes people will also ask you about your regular outgoings, such as the amount you pay in rent. The month period a business uses for recording its accounts. It is often the same as the calendar year or the tax year, but does not have to be. An interest rate guaranteed to stay the same for an agreed period, regardless of whether bank rates go up or down. The right to sell the products or services of an existing business , independently of that business, in a particular location.

A crime where people have tricked or lied to other people, or to an organisation, in order to get money. Some bank or building society accounts have a free buffer zone; a temporary overdraft for which you will not be charged for being slightly overdrawn. Schools that have been set by parents and others in a local community where it is believed there is not already a school which meets their needs.

Each school becomes an independent state school, funded by the Department for Education. Qualifications aimed to improve the level of competence of pupils in the literacy, numeracy and ICT needed for life skills. Functional Skills assessments consist of the application of skills within real life contexts, eg; learning mathematics skills through money. Betting money in the hope of making more money; for example through the lottery, fruit machines or casino games. General Certificate of Secondary Education - national academic examinations of basic secondary education usually taken by year-olds.

Gilts are issued by the government to help fund its spending. It is a fairly secure way to invest your money. Also known as government bond. A giro is a banking term for a method of payment. A giro is given by the payer to his or her bank, which transfers funds into the payee's bank account. An total amount of money before any deductions, such as tax or National Insurance. Your wages before anything is taken away from it such as income tax and National Insurance Contributions.

In a business - the money you make from selling your goods and services less the cost of materials or making the goods. In secondary schools they have the main responsibility to monitor, guide and support pupils? You would not own the car until you have completed the hire purchase agreement. Her Majesty's Revenue and Customs - the government department responsible for tax collection and benefit payments. Head of Department or Head of faculty. In secondary schools they have the main responsibilty to raise the standards of pupil attainment and achievement within their curriculum area, to monitor and support pupil progress and lead, manage and develop their curriculum area.

A bank honours a cheque by paying out the money as you have requested. A cheque will only be honoured when it has been guaranteed or there is enough money in the account, or you have an agreed overdraft. Identity theft is a crime of fraud where somebody elses personal details are used to open bank accounts, get credit cards, take out loans, claim benefits etc.

An adviser offering advice on investment products from all companies in the marketplace, instead of being limited to selling those of just one firm. Income is the total money you have coming in, such as; wages, benefits like income support or child benefit and child maintenance payments and investments. Income Support is a government benefit paid to people on very low incomes tp support them with living costs. A tax which is payable on almost all types of income, at various rates depending on the level of income.

Learning that supports students to think for themselves; when a student gains knowledge by their own effort and develops the ability for enquiry and critical evaluation. Index-linked means that the value of the financial product or service e. A continual increase in the general level of prices. This means over time a given amount of money will buy fewer goods and services. Paid employment that is hidden or not declared for tax purposes, also known as the hidden economy or cash in hand work.

A subject that is part of the National Curriculum which deals with teaching about technology. The passing on of money or assets when someone dies. It can also include gifts given while the person is still alive. Tax on the value of a deceased person's assets. Tax may also be imposed on any gifts made during the seven years before death.

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In-service education and training - training for teachers to support with the development of their skills in teaching and learning. Also referred to as CPD. Weekly or monthly repayments made to pay off a loan or goods bought on credit. A savings account where you can get your money back without needing to give any notice; they generally attract lower rates of interest than accounts where notice is required.

Insurance involves regular payments to a company so that you can claim money to cover the cost of a possible event such as an accident. Insurance cover describes the situations you are insured against. For example, if you have a car you might have comprehensive cover or only be covered for third party, fire and theft. The money you pay to the insurance company to make sure you are covered. Premiums are paid monthly, quarterly or annually.

The reward you get for lending your money to say, a bank or a building society. Also the cost you pay when you borrow money through a loan or credit agreement. It is usually worked out as a percentage the interest rate of the money you have borrowed. This is the percentage that is paid on savings or loans. A mortgage where only the interest due is paid off regularly. The original sum is paid off in full at the end of the term of the loan. Dying without a valid will, in which case the law decides how assets will be distributed.

To use money to buy something that may increase in value over time, for example jewellery, property or shares in a company. Products that sometimes involve some risk of losing your original money but give you the opportunity of better returns than you get from savings. There is a set limit of how much you can save in an ISA each tax year. Information Technology - a computing, telecommunications and broadcasting subject that is part of the National Curriculum.

This can take place in a variety of settings, including Universities and Training Schools. This enables them to teach in schools. A benefit paid by the government to people who are unemployed but available and actively looking for employment. Gives the terms and conditions of a financial product such as a mortgage or pension in a standard format so that simple comparisons can be made between products.

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In a secondary school Key Stage 3 is taught during Years 7, 8 and 9 ages and Key Stage 4 in Years 10 and 11 ages Lastly, Key Stage 5 covers ages A pfeg project which ran in secondary schools from A type of insurance that pays out a lump sum to your family if you die. Some mortgage lenders oblige borrowers to have this kind of cover; the insurer will pay off the mortgage with a lump sum if you die.

You can insure for more than the cost of the mortgage to make sure that your family has some additional funds to live off. A registered business, run by private individuals, entitled to employ other people. It can sell shares to private individuals to raise capital and the amount of these, limits any financial liability it has.

A sum of money which you borrow from a person or organisation, usually with interest. They charge extremely high rates of interest and often use threats to get money if payments are missed. The statutory body responsible for many aspects of state funded education within a locality sometimes refered to as local education authority.

Academies and Free Schools have significant freedoms from Las. Cards offered by some shops to encourage people to shop there. Every time you spend money at that shop you will be given 'points' on your card, which can be saved and later used to obtain discounts on shopping or other benefits such as air-miles. A lump sum is a one-off payment. Some people have insurance policies that pay a lump sum if they have an accident or are ill. Other people prefer to have a policy that provides an income over a long period of time. Most cash machines check your bank account and will not give you any more than there is in your account.

The minimum amount you must pay each month off your debt on credit or store card payments. High pressure or misleading sales techniques which encourage people to buy financial products which may not be suitable for them. A form of pension where your final pension depends on stock market performance. All personal pension plans operate in this way. A type of secured loan usually taken out to buy property.

If you do not keep up the mortgage repayments the mortgage company can repossess your house. There are two types of motor insurance. Third party insurance is the minimum insurance cover required if you drive a car on public roads. A comprehensive car policy covers your car and others for any accidental damage. A pfeg project working in primary and secondary aged children, funded by the government, which ran from The national curriculum is a set of subjects and standards used by primary and secondary schools in England so children learn the same things.

It covers what subjects are taught and the standards children should reach in each subject. Academies must teach a broad and balanced curriculum including English, mathematics and science. A government deduction from your wages used to pay for benefits that you might need to claim; like incapacity benefit, and your state pension when you retire. A plastic card with your NI code is sent to all just before a 16th birthday. Employers and employees both pay contributions. Indicates a sum of money from which certain deductions have already been taken away eg tax.

In a business - the gross profit less the overheads of the business measured over a particular time. Teachers in England who have been qualified QTS for less than a year and undertake a statutory programme to ensure they are effective teachers. The people you owe the money to can take you to court to recover the debts but cannot take any other action such as cutting off a service or repossessing your home.

They are likely to accept reasonable repayments. The time you must wait to get your money after telling your bank or building society that you want to take it out. If you don't wait this time you may be penalised by, for example, losing interest. Work-based awards that are achieved through assessment and training. NVQs are based on national occupational standards. These standards are statements of performance that describe what competent people in a particular occupation are expected to be able to do.

They are awarded at five levels from 1 to 5 which assess basic work through to senior management activities. A pension from a scheme set up by an employer, for example, a Teacher's Pension. Employees have to join the scheme to be eligible and may have to make contributions towards it. The scheme may pay a fraction of the final salary as a pension calculated using the number of years worked or build up a cash fund used to buy an annuity.

An annuity is a special type of investment which can pay out a regular sum over the lifetime of the owner. The Office of Qualifications and Examinations Regulations. The Government's regulator of qualifications. The Office For Standards in Education inspect and regulate services which care for and provide education for children of all ages. In schools Inspection focus on areas including: If you spend more money than you have in your current account you will go overdrawn.

You can ask the bank to lend you some money for a short time at an agreed rate of interest , known as an arranged overdraft. If you go overdrawn without asking the bank in advance, they might refuse to pay your debits and charge you a high interest rate on the money that you owe them. The costs of running a business, such as rent, office help, utility bills, advertising and distributing your goods and services. Are levels for recording SEN pupils achievement when they are working towards National Curriculum level 1 in all subjects.

This is a document that an employer has to provide when you leave a job so that the right amount of tax can be deducted from your earnings. This is a summary of your pay and the tax that's been deducted in the tax year. Your employer should give you a P60 to keep as a record at the end of every tax year. The year is divided into equal pay periods starting from early April which is also start of the tax year. If you are paid monthly, there are 12 pay periods; if weekly, A paying-in slip is a bank form that needs to be completed when you pay cash or cheques into your account.

Your bank or building society may give you a paying-in slip book, or some forms at the back of a chequebook or individual forms can be accessed at the bank. Money you pay out, for example, on materials you need for your business, interest on loans, money for services such as gas and electricity.

The 'how' of teaching. Teaching is a skilled job, but different teachers have different styles of teaching. Effective teaching involves being able to match the style of teaching to the needs of the learner. An income paid out after someone retires. The government gives tax relief on money paid into a scheme designed to provide a pension. You can often take part of the proceeds as a cash lump sum but the rest must be taken as income. There are different types of pension schemes; occupational, stakeholder, state and personal.

A regular income provided by the Government as an additional benefit to support pensioners. Payments into a pension scheme will be taken automatically from your pay, if you pay into a pension scheme which is arranged by your employer. This will show up on your payslip as 'pension deductions'. Published annual results of pupils' performance in national tests for schools and colleges in England.

Loans that you can use to pay for whatever you want subject to certain restrictions. A pension plan, not tied to a particular employment, that you can keep going even if you change job. You might have set up the plan yourself direct with a pension provider or it could have been arranged through your workplace.

Some personal pensions are Stakeholder schemes. Personal Identification Number; a four-digit security number used with cash machine, credit cards and debit cards. It is like an electronic signature that stops anyone else using your account. Public LimitedCompany; when a company sells its shares on the open market. The shares can be owned by the general public and bought and sold through the Stock Exchange. Part of a lesson, usually at the end, where the teacher reviews learning that has taken place during the leson, often through questioning or looking together at some of the pupils' work.

Profound and Multiple Learning Difficulties - pupils usually require total physical care from others and attend a special school. Another word for plan or cover. For example when you take out an insurance policy, you receive a contract from the insurance company telling you what you are covered for, and how much money the company is prepared to pay out.

This sets out everything that is agreed between you and the insurer. It will list everything that is covered as well as what is excluded. Read it carefully before buying the insurance. Programme of Study - sets out what will be taught in each subject at each key stage in schools. Debts which are more important than others because the law lets the people, you owe the money to, take serious action against you if you do not pay. Priority debts include things like a mortgage because your home could be repossessed if you do not keep up your mortgage repayments.

In a business, you make a profit if you sell goods or services for more than your costs. You make a loss if the proceeds are less than your costs. Personal, social, health and economic education sometimes refered to as PSHEe - a non-statutory part of the National Curriculum with some compulsory aspects. It is a programme to support pupils to develop fully as individuals, as members of families, social and economic communities.

It aims to equip pupils with knowledge, understanding, attitudes and practical skills to live healthily, safely, productively and responsibly. Qualified Teacher Status is required by most schools to teach in England and Wales.

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Teaching is a graduate occupation and QTS can be gained in a variety of ways, including: QTS may not be required in Free Schools or indepentant schools. Statements are written records of how much money you have in your account.

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The bank sends them to you automatically. A quarterly statement comes every 3 months. RAISEonline provides annual analysis of school and pupil performance data; used for school self-assessment and target setting purposes. Money coming in, for example, from selling goods and services or taking out a loan. A repayment mortgage is a property loan, where regular payments pay off both the interest and a proportion of the original loan.

When a mortgage lender takes back ownership of a property when a borrower is unable to afford their mortgage repayments. To receive a state pension you must be at about 65 years old. Those with a private pension may be able to retire earlier if their pension fund is large enough. Your return is the amount you get back when you invest money. A general rule is that the higher the return the more risky the investment. The protection that is given to you by law; for example, you have a right to compensation if your bank goes bust and you lose money.

Another name for chance or uncertainty. Types of risk include capital risk your savings or investment fall in value , interest rate risk the interest rate you agree to may not be good value in the future and inflation risk price levels will rise so the buying power of your savings or investments will fall. Retail Price Index is a measure of the changing price of everyday items over time.

This measure is taken as evidence of the rate of inflation. Recommended Retail Price; the suggested price for goods in shops as set by the manufacturer. A landlord registered with a Housing Corporation and providing social housing on a non-profit basis. An amount of money paid to an employee for a job, usually paid directly into his or her bank account every month. Any money you put aside for future use. This may be in a deposit account or under your bed. Savings are often kept in bank, building society or National Savings accounts.

The amount you put in does not fall in value but may grow as interest is added. Sets out what a school wishes to achieve within a time limit. Budgets will normally be arranged in line with the SDP. A secured loan means that the loan amount is being borrowed against the cost of something you own, for example, some homeowners borrow money against their houses. Their needs will be highly complex. People who invest money in a company by buying shares of it, hence owning part of it. An investment which makes you part-owner of a company, along with all the other shareholders. Some shares pay you an income called dividends regularly.

With all shares you accept a capital risk, meaning if the share price rises, you will make a profit when you sell, but if the share price falls, you will make a loss. A way of banking following Islamic laws about money, such as profit and loss is to be shared, interest is not given or taken. A signatory is a person who signs a document. For instance, if you are making an application and sign a form, you are the signatory. A product's terms and conditions typically written in small letters and should be read carefully.

Successive education acts state the school must make provision to ensure that there is Spiritual, Moral, Social and Cultural development of pupils and society. An individual who runs their own business without any employees and without limited company status. A six-digit number found on cheques, credit cards etc that identifies the branch of a bank or building society.

Provision to support pupils with learning disabilities either through mainstream or specialised schools. A type of pension scheme designed to be good value for money by having low charges, flexible payments. Usually it means a personal pension that meets these conditions, but some types of occupational scheme can also be Stakeholder schemes.

A tax payable by the purchaser of a property; the amount payable is calculated as a percentage of the total purchase price. A method of paying regular amounts from your bank account automatically. You instruct your bank to pay the money to a particular person or company. It's your responsibility to change the payment if it needs to alter. A pension paid to you when you retire by the government.

The amount you get will depend on your National Insurance record or that of your partner. A document from the bank or building society which shows all your recent payments into and withdrawals from your account. You should check it with your own records. SSP is the minimum amount employers must pay any employees unable to attend work due to illness.

Store cards are like credit cards, but are available from shops rather than banks. They can only be used to buy things at particular shops. Anything you spend on your store card is borrowed money. If you do not pay off the full amount each month you will start paying interest on it. Lends money to higher education students to enable them to meet expenses. Owned by the UK government. Your actual monthly salary after deductions such as income tax and national insurance contributions ie net pay. A fee charged by a government on a product VAT , income income tax , or activity road tax to finance government expenditure on public goods and services, such as the police, the NHS, street lighting or street cleaning.

A tax allowance is the amount of money you can earn before paying income tax. This code tells your employer how much tax-free pay to give you each time you are paid. Your tax code is worked out from your tax allowances and other tax adjustments. Shown on a payslip - how much income tax you have to pay this pay period. It is worked out from tables using your tax code. A 12 month period running from 6th April one year to 5th April the next year.

Taxes, such as income tax, are worked out over this period. You may pay local taxes such as council tax. This money is used to pay for local services such as libraries and the police. You are taxed in a variety of ways; for example, by paying income tax on your wages, by paying VAT when you buy certain goods, by paying the road fund licence for a car. These taxes are used to finance services such as the National Health Service, Armed Forces and education which are of benefit to everyone. Training and Development Agency - a Government body with overall responsibility for teacher training and continuing professional development in England.

This agency takes a decision each year about the amount of teachers that the country needs and issues places to providers to meet the need. Schools which have been given the remit to train teachers. They have been set up in a similar way to teaching hospitals. The time for which something lasts e. Savings account that lasts for a set period such as two years. You may not be able to take your money out early.

Third party insurance means that your insurance company will pay out if you accidentally cause damage to another person or their car. On a payslip - this is the total amount that will be taken from your gross pay. What is left after this is your take-home pay.

When you travel abroad you may want to take out travel insurance. Many countries will not treat you if you have an accident or fall ill unless you can pay the possibly expensive medical bills. Some travel insurance policies will cover such events as the cost of flying you home early, reimbursement for lost luggage or cancelled flights etc. Special cheques that can be used abroad and are a safe way to carry money overseas. One type of academy, usually for students aged 14 to 19 and specialising on work related learning. An activity that contributes to the wellbeing of people where a salary is not paid; for example, housework.

A loan that does not use anything you own as security. Hence if you do not keep up with payments your possessions are not immediately at risk, but you can be taken to court and your credit rating can be adversely affected. An education system based on the web which allows access to lesson content, assessments, and other tools. You can get a reduction in your insurance premium if you agree to pay the first part of every insurance claim yourself. A pfeg project which ran in primary schools from The label often given to teaching and learning designed to introduce learners to the working environment.

It may include an element of work experience and enterprise education. A form of work experience where you follow someone doing their job to learn more about it. Working Tax Credit; a mean-tested tax benefit designed to encourage people into employment by providing financial help for those on low incomes. The income from an investment, usually shown as a percentage of its current market price. Skip to main content Skip to navigation. Resources You've come to the right place All our resources are here to help you teach high quality financial education. Gambling Understanding risk, spending and exploring The concept of saving and the different ways How does it work and who needs it?

How and why to budget - pocket money to payday Recommended teaching resource The pfeg Quality Mark is awarded to personal finance teaching resources that Get this resource by post Contact the distributor to order this resource. Download Your Money Matters, the first ever financial education textbook, now! Get this resource Download Use the button below to download Download now. Please enter your email address to download this resource. Why are we asking for this information? Please indicate below which information you would like to receive from us: Termly Financial Education e-newsletter.

Information from Young Money on new initiatives and support available to you. A-Level Advanced Level qualifications are available for year-olds in various subjects that help students make a successful transition to university and future careers. Academies Schools that have converted from formally local authority schools to become directly accountable to the Secretary of State for Education. Accidental damage In addition to buildings and contents insurance most companies will insure accidental damage for an additional fee.

Accommodation Where you live; including with parents, in a hostel, renting or buying. Account Arrangement with a bank or building society to hold your money in an account and allow you to take it when required. Actuaries Insurance professionals who analyse risk and its financial impact. Advanced Tech levels Tech levels are rigorous advanced level 3 technical qualifications on a par with A Levels and recognised by employers. AFL Assessment for Learning - teachers planning tasks, the outcomes of which provide information that can be used to improve the next element of teaching and learning.

After tax What you are left with after tax has been paid. All-risks A contents insurance policy covering possessions even when they are away from your home. Alternative credit Credit arrangements outside the mainstream. Why does my story matter? Send printed copies of the Scavenger Hunt Worksheet home with students, and ask them to fill them out as homework.

A Personal Matter Summary & Study Guide

This activity requires students to have Internet access. After students hand their worksheets in next class, you can also choose to facilitate a short debrief discussion using the following questions as prompts:. Do you value stories that give us hope? Honor the legacy of our veterans.

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Why Do Stories Matter? Applicable Common Core Standards Time: Review the lesson below Print out student copies of the Personal Reflection Worksheet and the Scavenger Hunt Worksheet Optional Print out the Student Gallery Walk Stories large enough to be read easily, and post stories around the room at eye level. Students who cannot think of a word have the right to pass, and you will come back to them at the end.



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Debrief Facilitate a brief, two-minute class discussion using the following questions as prompts: What did you notice about these words? Were there any patterns that emerged during the activity? What do they know about it? Allow students to share. Explain that the purpose of the first activity is to get to know a little bit about StoryCorps. Play the Origin Story of StoryCorps animation for students. You can also view the transcript of the animation. After students watch the animation, ask them to write down one question they have about StoryCorps using the Personal Reflection Worksheet.

Ask for a couple volunteers to share their questions. After each volunteer shares, ask the group to raise their hands if they would also like to know the answer to that question.