Piggy Bank Problems

Even though Katie's dad works at a bank, she prefers to keep her money in her piggy bank. But what happens when she drops her piggy and it breaks?

When Katie gets lost on a field trip to a farm, her classmates help her find her way.

Of the many functions of the welfare state, two are particularly prominent: the 'Robin Hood' function - the provision of poverty relief, the redistribution of income and wealth, and the reduction of social exclusion; and the 'piggy bank' function - ensuring mechanisms for insurance and for redistribution over the life cycle. The piggy-bank function, unlike the redistributive purpose of the welfare state, has received relatively little attention, and is not widely understood. This book redresses the balance. Nicholas Barr's central contention is that—-contrary to popular opinion—-the welfare state exists for reasons additional to poverty relief. These reasons - encapsulated by the piggy-bank function - arise out of pervasive problems of imperfect information, risk, and uncertainty. Even if all poverty and social exclusion could be eradicated, people would still need to insure themselves and to redistribute over the life cycle. As a result, Barr argues, the welfare state is here to stay, since twenty-first century developments do nothing to undermine these reasons. He also explores ways in which the welfare state can and will adapt to economic and social change, including specific, and sometimes novel, solutions. The analysis in "The Welfare State as Piggy Bank" is international, applying to advanced industrial countries, as well as addressing post-communist countries, and touching upon middle-income developing countries. Barr's approach is contemporary and forward-thinking. His discussion ranges over a number of topics of central relevance to life in the twenty-first century, including genetic screening and its impact on insurance; the convergence of private and social insurance; how to finance long-term care; pension reform in the light of fluid family structures and a mobile workforce; loans for financing investment in human capital; and new ways of involving private finance in tertiary education.

A parental guide for teaching children the value of a dollar, written by the "Dr. Ruth" of money. In a series of age-appropriate money lessons that progress from age 6 to age 18, Barbanel deals with such issues as allowance, savings, advertising, investing, record keeping, first jobs, and handling credit. 20 Line drawings.

We live in a high tech world. With digital televisions, computers, cell phones, IPODS, and video games out there, one can become overwhelmed. There’s technology out there to do almost everything for us. When was the last time you sat down with pen and paper and did a simple math problem? You know, add, subtract, multiply, or divide. Calculators and computers can do this for us. Most of us have to do business with banks. Many of you have felt that you’ve been cheated or just plain taken advantage of by banks. There are high interest rates, overdraft fees, other fees and other hidden cost. You might be surprised to find out that banks will take money from your account without any accountability. You had better brush up on your math skills. I served in the United States Air Force and lived in several states and in Great Britain. Over the past 38 years, I’ve had bank accounts in the United States and abroad. My story is about my encounters with only four of these banks. One good and three that was not so pleasant. Money was taken from my accounts without accountability. I’ll show you how I was able to keep track of their actions and finally what I did about it.

This invaluable professional resource instructs teachers on how to successfully implement Guided Math Workstations into K-2 classrooms. With detailed instructions that are easily adopted into today's classrooms, this book contains everything teachers need to set up, plan, and manage workstations. Guided Math Workstations allow teachers to address their students' varied learning needs within a carefully planned numeracy-rich environment where students are challenged to not just do math, but to become mathematicians. Teachers will be able to successfully target the specific needs of learners with small-group lessons as students work independently on math workstation tasks. Each workstation task includes: an overview of the lesson, materials, objective, procedure, and differentiation tactics; a Student Task card with directions and a materials list for the task to help with implementation and organization; a Talking Points card with math vocabulary words and sentence stems to encourage mathematical discourse; and additional resources for each task.

Provide targeted mathematics instruction for every child. These books combine formative assessment with practical activities to differentiate the elementary classroom. The formative assessments include student work samples at varying levels. The authors... Illustrate the distinction between a "traditional" assessment and an "enhanced" assessment. Describe specific differentiated activities so each student may consistently receive instruction geared to specific need. Provide teachers with "Questions to Assess" to determine what each child understands about the math concept. Show how to move students to higher-level mathematics thinking and to apply math concepts. Include extension activities to offer challenging work for children who have achieved skill mastery level. Each activity states a goal, the materials needed, a description of the activity, as well as specific questions to ask students. The assessments and activities are aligned with the Common Core State Standards for Mathematics and the expectations described by the National Council of Teachers of Mathematics. This resource will help teachers, principals, and curriculum directors identify students' levels of understanding about mathematics and provide concrete resources for remediation, instruction, and enrichment. These books are also an excellent resource for use during workshops and in-class observations.