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| financial literacy for adults with disabilities: Your Money, Your Goals Consumer Financial Consumer Financial Protection Bureau, 2015-03-18 Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is financial empowerment and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals. |
| financial literacy for adults with disabilities: Learning Disabilities, Literacy, and Adult Education Susan Ann Vogel, Stephen M. Reder, 1998 In this book, experts in the fields of LD and adult literacy describe the characteristics, demographics, education, and employment status of adults with severe learning disabilities and discuss the laws that protect them in the workplace and in educational settings. Sample forms, checklists, resource lists, and examples from staff preparation programs are included. |
| financial literacy for adults with disabilities: ADD and Your Money Karl Klein, Stephanie Moulton Sarkis, 2009-12-02 When you have attention-deficit disorder (ADD), you don't spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome. The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Money will show you how. This friendly guide, written with your ADD in mind, includes information on everything you need to know about managing your finances and staying in control. With this book as your guide, you will learn to: • Keep track of your bills • Create a budget that works • Get debt under control • Find ADD-friendly bank services • Plan around your splurges • Make time-management a priority If you're ready to start focusing on your future financial success, this book can help you start making lasting changes today. |
| financial literacy for adults with disabilities: Financial Literacy for Teens Rising Books, 2004-10-01 [This book] will help young people develop good financial habits at an early age - habits that will enable them to successfully make, manage, multiply, and protect their hard-earned money. [The author] motivate[s] teens and remind them that their choice is crystal clear: learn now or pay later! [The author talks about]: Credit Card debt; needs vs. wants; multiplying money; insurance essentials; secrets to saving; Internet scams. -Back cover. |
| financial literacy for adults with disabilities: The Special Needs Planning Guide Cynthia R. Haddad, John W. Nadworny, 2022 Written with both compassion and expertise, this bestselling book provides families with a comprehensive guide to planning for the lifetime needs of a child with disabilities. It presents the Five Factors readers need to consider-family and support, emotional, financial, legal, and government benefits-and how to plan for these factors at every stage of a child's life. The second edition includes updates based on current law, fully revised chapters with a wealth of practical recommendations, and a ten-step, manageable planning process. Online resources include fillable timelines, worksheets, and other planning documents to help families create a secure, full, and happy life for and with their child-- |
| financial literacy for adults with disabilities: Disability, Education and Employment in Developing Countries Kamal Lamichhane, 2015-01-15 With several empirical evidences, this book advocates on the importance of human capital of persons with disabilities and demands the paradigm shift from charity into investment approach. Society in general believes that people with disabilities cannot benefit from education, cannot participate in the labour market and cannot be contributing members to families and countries. To invalidate such assumptions, this book describes how education in particular helps make persons with disabilities achieve economic independence and social inclusion. For the first time, detailed analyses of returns to the investment in education and nexus between disability, education, employability and occupational options are discussed. Moreover, other chapters describe disability and poverty followed by the discussion of barriers behind why persons with disabilities are unable to obtain education despite the significantly higher returns. These foundational themes recur throughout the book. |
| financial literacy for adults with disabilities: Community-based Rehabilitation World Health Organization, 2010 Volume numbers determined from Scope of the guidelines, p. 12-13. |
| financial literacy for adults with disabilities: Policy and Program Planning for Older Adults and People with Disabilities Elaine T. Jurkowski, MSW, PhD, 2019-01-14 The second edition of this landmark textbook is distinguished by its pioneering approach to encompassing disability and aging policies under one umbrella, in response to the newly developed Administration on Aging and Disability. It addresses policy changes impacting health and disability services resulting from the Affordable Care Act (ACA) and other new legislation, and offers a pioneering approach to transforming policy into practice applications. New to the second edition is current census data and new legislative mandates from the ACA and other policy organizations impacting aging adults and/or disabled populations. Also included is new coverage on Social Media, Motivational Interviewing, Health Literacy, Underrepresented Groups, LGBT, and Rural Communities. Podcasts, available as downloads, present the messages of advocates, lobbyists, policy experts, and consumers who address various aspects of relevant policies and policy development. Unlike other texts, the book focuses on triangulating skills, policies, and programs for graduate students in social work, public health, gerontology, and rehabilitation. It aims thus to enhance understanding of policy development through a critical analysis and review of policy framework, and promotes development of skills in shaping programs and implementing policy. The text lays out tools that facilitate policy and program development to include the media, coalition building, the use of an evidence base, and how each mandated policy addresses these programs and services. Chapters include learning objectives, case studies, review/discussion questions, and resources for additional information. An Instructors Manual, Test Bank, and PowerPoint slides facilitate the teaching process. New to the Second Edition: Addresses both disability and aging policies Includes updated census data Presents new legislation and mandates for the ACA, Veterans and the Military, Caregivers/Caregiver Support Act, Alzheimer Support, Health Lifestyles, Aging and Disability Resource Centers, Elder Justice Act, and Substance Use and Misuse Provides new coverage on Social Media, Motivational Interviewing, Health Literacy, Minorities, Incarcerated Individuals, Immigrants/Refugees, LGBT, and Rural Communities Offers podcasts of interviews with key consumers and policy experts Key Features: Lays out tools that facilitate policy and program development Examines major service areas for older adults Addresses philosophical, historical, and demographic challenges Enhances understanding of policy development through critical analysis Includes learning objectives, case studies, review questions, and instructor package |
| financial literacy for adults with disabilities: Financial Literacy and Adult Education Karin Sprow Forté, Edward W. Taylor, Elizabeth J. Tisdell, 2014-03-19 Many adults attend financial education classes to help them make more informed financial decisions, based on their knowledge of their financial situation available cash or funds planned expenditures. This volume brings together scholars from the fields of adult education and financial literacy and covers topics that reveal the interrelatedness of the two fields. They show how concepts and knowledge about adult education can be utilized in and illuminate financial education, and they offer insights about how financial education, as an eminently practical subject, shows adults learning and putting their new knowledge into action. This is the 141st volume of this Jossey-Bass series. Noted for its depth of coverage, it explores issues of common interest to instructors, administrators, counselors, and policymakers in a broad range of adult and continuing education settings, such as colleges and universities, extension programs, businesses, libraries, and museums. |
| financial literacy for adults with disabilities: Disability and Poverty Eide, Arne H., Ingstad, Benedicte, 2011-05-31 This book is about being disabled and being poor and the social, cultural and political processes that link these two aspects of living in what has been characterised as a vicious circle (Yeo & Moore 2003). It is also about the strengths that people show when living with disability and being poor. How they try to overcome their problems and making the best out of what little they have. This book will appeal to academics, postgraduates and policymakers in disability studies, development studies, poverty and social exclusion |
| financial literacy for adults with disabilities: Teaching Problems and the Problems of Teaching Magdalene Lampert, 2001-01-01 In this book an experienced classroom teacher and noted researcher on teaching takes us into her fifth grade math class through the course of a year. Magdalene Lampert shows how classroom dynamics--the complex relationship of teacher, student, and content--are critical in the process of bringing each student to a deeper understanding of mathematics, or any other subject. She offers valuable insights into students and teaching for all who are concerned about improving the learning that happens in the classroom. Lampert considers the teacher's and students' work from many different angles, in views large and small. She analyzes her own practice in a particular classroom, student by student and moment by moment. She also investigates the particular kind of teaching that aims at engaging elementary school students in learning fundamentally important ideas and skills by working on problems. Finally, she looks at the common problems of teaching that occur regardless of the individuals, subject matter, or kinds of practice involved. Lampert arrives at an original model of teaching practice that casts new light on the complexity in teachers' work and on the ways teachers can successfully deal with teaching problems. |
| financial literacy for adults with disabilities: Learning to Achieve , 2009 |
| financial literacy for adults with disabilities: Bringing Math Students Into the Formative Assessment Equation Susan Janssen Creighton, Cheryl Rose Tobey, Eric Karnowski, Emily R. Fagan, 2015-01-21 Make formative assessment work for you—and your math students! Finally, formative assessment that adds up! Bringing Math Students Into the Formative Assessment Equation is the ultimate resource for helping teachers implement formative assessment in the middle school mathematics classroom. And it’s much more than that. With this research-based, teacher-tested guide, you won’t just learn effective teaching strategies—you’ll turn your students into self-regulated learners. They’ll monitor and assess their own progress—and communicate to you about it! Features include: A clear and manageable six-aspect instructional model Detailed strategies for helping students own their successes Real-life examples from middle school mathematics teachers Useful resources and a companion website to help you implement formative assessment in your classroom Formative assessment isn’t just for teachers anymore. With the help of this essential resource, you’ll work together with your students toward a common goal of math success. This book is outstanding. I would recommend it to any math educator. The depth of research integrated into practice is extensive and, as a result, it is the most practical book I have come across related to formative assessment and mathematics The self-regulation aspects, as well as the ownership and involvement emphasized in the book, went beyond the traditional cognitive strategies endorsed in most books. Marc Simmons, Principal Ilwaco Middle School, Ocean Beach School District, Long Beach, WA The ideas in this book are brought to life with examples of teachers and students in the classroom. The teacher voices, comments, and quotes lend credibility and are a big component of the book’s strengths as well as the visuals and graphics. Rita Tellez, Math Coordinator Ysleta Independent School District, El Paso, TX |
| financial literacy for adults with disabilities: Teaching Students With High-Incidence Disabilities Mary Anne Prater, 2016-12-29 To ensure that all students receive quality instruction, Teaching Students with High-Incidence Disabilities prepares preservice teachers to teach students with learning disabilities, emotional behavioral disorders, intellectual disabilities, attention deficit hyperactivity, and high functioning autism. It also serves as a reference for those who have already received formal preparation in how to teach special needs students. Focusing on research-based instructional strategies, Mary Anne Prater gives explicit instructions and includes models throughout in the form of scripted lesson plans. The book also has a broad emphasis on diversity, with a section in each chapter devoted to exploring how instructional strategies can be modified to accommodate diverse exceptional students. Real-world classrooms are brought into focus using teacher tips, embedded case studies, and technology spotlights to enhance student learning. |
| financial literacy for adults with disabilities: People with Intellectual Disability Experiencing University Life Patricia Mary O'Brien, Michelle L. Bonati, Friederike Gadow, Roger Slee, 2018 Part 1: Philosophical, theoretical and rights based framework of inclusion -- From institutionalisation to inclusion / Patricia O'Brien and Michelle L. Bonati -- Widening higher education opportunities for students with intellectual disabilities: An overview of program issues and policy implications / Barrie O'Connor, Deborah Espiner and Molly O'Keeffe -- Setting the scene for people with disability to experience university life / Roger Slee -- Part 2: Evidence-based outcomes arising from inclusive university programs across international boundaries -- Inclusive post-secondary education: 30 years: scope, challenges and outcomes / Anne Hughson and Bruce Uditsky -- Inclusive higher education for people with intellectual disability in the United States: An overview of policy, practice, and outcomes / Meg Grigal, Debra Hart and Clare Papay -- Developing an inclusive model of postsecondary education for students with intellectual disability: challenges and outcomes / Anthony J. Plotner, Kathleen J. Marshall, Chelsea Vanhorn Stinnett and Kimberly Teasley. |
| financial literacy for adults with disabilities: Higher Education and Disabilities Alan Hurst, 2018-08-13 First published in 1998, this volume compares disability services and strategies along with students with disabilities across various countries around the world. Its publication followed a series of conferences held at different international locations. These papers have been brought together with the aim to better inform our understanding of approaches to disabled students and their experiences. Focusing on topics such as the Australian Disability Discrimination Act (1992), disability policy and supporting students with disabilities in higher education, this volume will be of use to students, lecturers, researchers and policymakers, whether able-bodied, neurotypical or disabled. |
| financial literacy for adults with disabilities: Buffett's Tips John M. Longo, Tyler J. Longo, 2020-11-24 Praise for BUFFETT'S TIPS John Longo and his son, Tyler, have performed a valuable service, taking the wisdom of Warren Buffett (the supply of which is ample) and distilling from it 100 'tips,' with the authors' own explanatory text, to guide the reader from financial ignorance to a degree of financial literacy. Along the way, there are useful lessons for life in general. If you have a friend, child, or parent who needs a pathway to a better understanding of some financial fundamentals, get this book for them—it'll go a long way to bringing them up to speed. —Simon Lorne, Vice Chairman and Chief Legal Officer, Millennium Management LLC; former Partner, Munger, Tolles & Olson Priceless. 100 investment and life tips from the Oracle—a great read for the beginning investor. —S. Basu Mullick, retired Portfolio Manager and Managing Director, Neuberger Berman; former General Partner, Omega Advisors; noted value investor; former Marketwatch Fund Manager of the Year John Longo has a well-earned reputation for excellence in teaching at the University level. Working with his son Tyler, John now extends his passion for education out of the classroom and across generations with this guidebook to the essential tools for financial proficiency. —Gregory P. Francfort, noted value investor; former Institutional Investor All-Star Analyst John and his son have written an invaluable guide steeped in the wisdom of Warren Buffett. Marrying sound financial advice with general life lessons, Buffett's Tips provides a solid foundation for advancing financial literacy across a broad multi-generational audience. —Joshua Rosenbaum, Joshua Pearl, Joseph Gasparro, co-authors, The Little Book of Investing Like the Pros and Investment Banking: Valuation, LBOs, M&A, and IPOs |
| financial literacy for adults with disabilities: Meeting the Needs of Students of ALL Abilities Colleen A. Capper, Elise M. Frattura, Maureen W. Keyes, 2000-03-14 This step-by-step handbook offers practical strategies for administrators, teachers, policymakers, and parents who want to shift from costly special learning programs for a few students, to excellent educational services for all students. Copyright © Libri GmbH. All rights reserved. |
| financial literacy for adults with disabilities: Disability in America Institute of Medicine (U.S.). Committee on a National Agenda for the Prevention of Disabilities, Andrew MacPherson Pope, Alvin Richard Tarlov, 1991-01-15 This report focuses on preventing potentially disabling conditions from developing into disabilities and on minimizing the effects of such conditions on a person's productivity and quality of life. It describes disability as a social and public health issue and not just a physical condition. The report begins with an executive summary, an introduction which discusses prevention issues in general and defines concepts, and a list of 27 recommendations. Subsequent chapters discuss: (1) the magnitude and dimensions of disability in the United States; (2) a conceptual approach to disability prevention and use of the tools and principles of epidemiology; (3) major areas of disability (developmental disabilities, injury-related disabilities, chronic diseases and aging, and secondary conditions associated with primary disabling conditions); (4) government and private sector programs concerned with disability prevention; and (5) conclusions and recommendations in the areas of a national program for the prevention of disability, surveillance, research, access to care and preventive services, and professional and public education. Appendixes contain a paper by Saad Z. Nagi titled Disability Concepts Revisited: Implications for Prevention; a statement of one committee member dissenting from this majority report of the Committee on a National Agenda for the Prevention of Disabilities; a response to the dissenting statement by committee members; and committee biographies. (Approximately 375 references) (JDD) |
| financial literacy for adults with disabilities: Essentials of Assessing, Preventing, and Overcoming Reading Difficulties David A. Kilpatrick, 2015-08-10 Practical, effective, evidence-based reading interventions that change students' lives Essentials of Understanding and Assessing Reading Difficulties is a practical, accessible, in-depth guide to reading assessment and intervention. It provides a detailed discussion of the nature and causes of reading difficulties, which will help develop the knowledge and confidence needed to accurately assess why a student is struggling. Readers will learn a framework for organizing testing results from current assessment batteries such as the WJ-IV, KTEA-3, and CTOPP-2. Case studies illustrate each of the concepts covered. A thorough discussion is provided on the assessment of phonics skills, phonological awareness, word recognition, reading fluency, and reading comprehension. Formatted for easy reading as well as quick reference, the text includes bullet points, icons, callout boxes, and other design elements to call attention to important information. Although a substantial amount of research has shown that most reading difficulties can be prevented or corrected, standard reading remediation efforts have proven largely ineffective. School psychologists are routinely called upon to evaluate students with reading difficulties and to make recommendations to address such difficulties. This book provides an overview of the best assessment and intervention techniques, backed by the most current research findings. Bridge the gap between research and practice Accurately assess the reason(s) why a student struggles in reading Improve reading skills using the most highly effective evidence-based techniques Reading may well be the most important thing students are taught during their school careers. It is a skill they will use every day of their lives; one that will dictate, in part, later life success. Struggling students need help now, and Essentials of Understanding and Assessing Reading Difficulties shows how to get these students on track. |
| financial literacy for adults with disabilities: How to Adult Jake Cousineau, 2021-03-23 An essential resource for a high school graduate, college student, or any other young adult who needs to prepare for the financial realities of adulthood. Drawing on years of teaching personal finance in the high school classroom, as well as valuable life experience as a young professional, Cousineau introduces topics ranging from compound interest and mutual funds to Roth IRAs and insurance deductibles. Each chapter contains straightforward explanations, practical examples, revealing anecdotes, and hands-on tools that will help you to jump-start your personal financial journey. In this book, you'll learn: The foundational concepts of personal finance and building wealth How to avoid costly financial missteps How to budget, save, and invest your money wisely How taxes and insurance work How to prepare for life's big expenses Reviews This! This is what I needed when I was in high school. It is also what I needed when I was in college, and when I bought my first car, and when I bought my first house, and when I opened my first credit card. Every high school student in America should have to pass a class that uses this book. The real-world examples are relatable and make the reader feel like they are armed with the knowledge they need. It doesn't just make you book smart. It makes you street smart. -Stuart Draper In How to Adult, Jake Cousineau engages readers using a blend of storytelling, analogies, charts and research to deliver key financial lessons. Whether it's comparing index funds to sports teams or interest to pineapple on pizza, Jake has a gift in delivering financial advice in a way that will educate adults, you and old alike! -NGPF Personal Finance |
| financial literacy for adults with disabilities: The Ugly Laws Susan M. Schweik, 2009-05 In 1881, the Chicago City Code read, Any person who is diseased, maimed, mutilated, or in any way deformed... shall not... expose himself to public view. These ugly laws began in San Francisco in 1867, then spread through the U.S. and abroad; many in the U.S. weren't repealed until the 1970s. English professor Schweik (A Gulf So Deeply Cut: American Women Poets and the Second World War), co-director of UC Berkley's disabilities studies program, explores the emergence of these laws and their tragic consequences for thousands. Motivated largely by the desire to reduce beggar populations and to expand the role of charitable organizations, in practical terms the ugly laws meant harsh policing; antibegging; systematized suspicion...; and structural and institutional repulsion of disabled people. Schweik discusses the nineteenth century conditions that created a demand for these laws, but notes how the resulting practices have carried through to the present. Schweik draws on a deep index of resources, from legal proceedings to out-of-print books, to tell the story of individuals long lost to history. Her detailed analysis will be of primary interest to those involved with the history of social justice in the U.S. and the passage of the Americans with Disabilities Act. 18 Illus. Copyright Reed Business Information, a division of Reed Elsevier Inc. All rights reserved. |
| financial literacy for adults with disabilities: Community-based Instruction Barbara A. Beakley, Sandy L. Yoder, Lynda L. West, 2003 This guide is intended to provide teachers of student with disabilities with resources, ideas, and procedures in implementing community-based instruction (CBI). The first chapter defines CBI, explains its importance, differentiates CBI from field trips, discusses appropriate CBI participants and stakeholders, and reviews the research on CBI. Chapter 2 focuses on expectations for CBI including expected outcomes, expectations for students, expectations for families, expectations for communities, and how expected outcomes of CBI respond to school reform issues. The following chapter considers procedures for program implementation including 10 steps to utilizing CBI, CBI sites for older students, and necessary resources and support systems. Chapter 4 considers the school and classroom component of CBI such as application of the general curriculum and alternative curriculum approaches and the transition portion of the Individualized Education Program. The following chapter focuses on development of independence and self-determination skills as well as natural environments for CBI and transfer of skills from classroom to community. Chapter 6 addresses issues concerned with evaluation of CBI programs, noting important evaluation questions and how to use assessment information to show accountability. The last two chapters focus on maintaining and generalizing community skills and the dynamics of community-based instruction, respectively. Appendices include a variety of sample forms. A CD-ROM containing the appendix files is also included.(Individual chapters contain references.) (DB). |
| financial literacy for adults with disabilities: Health-Care Utilization as a Proxy in Disability Determination National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Board on Health Care Services, Committee on Health Care Utilization and Adults with Disabilities, 2018-04-02 The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for listing-level severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience. |
| financial literacy for adults with disabilities: Women and Financial Education Evidence, Policy Responses and Guidance OECD, 2013-10-16 This book provides policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls. |
| financial literacy for adults with disabilities: Widening the Circle Beverly J. Klug, Patricia T. Whitfield, 2003 First Published in 2003. Routledge is an imprint of Taylor & Francis, an informa company. |
| financial literacy for adults with disabilities: Money Smart for Older Adults Resource Guide Federal Deposit Federal Deposit Insurance Corporation, Bureau of Bureau of Consumer Financial Protection, 2019-03 This recently updated guide produced by the Bureau of Consumer Financial Protection (BCFP) and the Federal Deposit Insurance Corporation (FDIC) provides information on common frauds, scams and other forms of elder financial exploitation and suggests steps that older persons and their caregivers can take to avoid being targeted or victimized.The mission of the BCFP, a government agency, is to make markets for consumer financial products and services work for consumers by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. The FDIC is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system. |
| financial literacy for adults with disabilities: World Development Report 2016 World Bank Group, 2016-01-14 Digital technologies are spreading rapidly, but digital dividends--the broader benefits of faster growth, more jobs, and better services--are not. If more than 40 percent of adults in East Africa pay their utility bills using a mobile phone, why can’t others around the world do the same? If 8 million entrepreneurs in China--one third of them women--can use an e-commerce platform to export goods to 120 countries, why can’t entrepreneurs elsewhere achieve the same global reach? And if India can provide unique digital identification to 1 billion people in five years, and thereby reduce corruption by billions of dollars, why can’t other countries replicate its success? Indeed, what’s holding back countries from realizing the profound and transformational effects that digital technologies are supposed to deliver? Two main reasons. First, nearly 60 percent of the world’s population are still offline and can’t participate in the digital economy in any meaningful way. Second, and more important, the benefits of digital technologies can be offset by growing risks. Startups can disrupt incumbents, but not when vested interests and regulatory uncertainty obstruct competition and the entry of new firms. Employment opportunities may be greater, but not when the labor market is polarized. The internet can be a platform for universal empowerment, but not when it becomes a tool for state control and elite capture. The World Development Report 2016 shows that while the digital revolution has forged ahead, its 'analog complements'--the regulations that promote entry and competition, the skills that enable workers to access and then leverage the new economy, and the institutions that are accountable to citizens--have not kept pace. And when these analog complements to digital investments are absent, the development impact can be disappointing. What, then, should countries do? They should formulate digital development strategies that are much broader than current information and communication technology (ICT) strategies. They should create a policy and institutional environment for technology that fosters the greatest benefits. In short, they need to build a strong analog foundation to deliver digital dividends to everyone, everywhere. |
| financial literacy for adults with disabilities: Voluntary National Content Standards in Economics National Council on Economic Education, Foundation for Teaching Economics, 1997 This essential guide for curriculum developers, administrators, teachers, and education and economics professors, the standards were developed to provide a framework and benchmarks for the teaching of economics to our nation's children. |
| financial literacy for adults with disabilities: Financial Capability and Asset Holding in Later Life Margaret S. Sherraden, Nancy Morrow-Howell, 2015 In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security. |
| financial literacy for adults with disabilities: Baby Steps Millionaires Dave Ramsey, 2022-01-11 You Can Baby Step Your Way to Becoming a Millionaire Most people know Dave Ramsey as the guy who did stupid with a lot of zeros on the end. He made his first million in his twenties—the wrong way—and then went bankrupt. That’s when he set out to learn God’s ways of managing money and developed the Ramsey Baby Steps. Following these steps, Dave became a millionaire again—this time the right way. After three decades of guiding millions of others through the plan, the evidence is undeniable: if you follow the Baby Steps, you will become a millionaire and get to live and give like no one else. In Baby Steps Millionaires, you will . . . *Take a deeper look at Baby Step 4 to learn how Dave invests and builds wealth *Learn how to bust through the barriers preventing them from becoming a millionaire *Hear true stories from ordinary people who dug themselves out of debt and built wealth *Discover how anyone can become a millionaire, especially you Baby Steps Millionaires isn’t a book that tells the secrets of the rich. It doesn't teach complicated financial concepts reserved only for the elite. As a matter of fact, this information is straightforward, practical, and maybe even a little boring. But the life you'll lead if you follow the Baby Steps is anything but boring! You don’t need a large inheritance or the winning lottery number to become a millionaire. Anyone can do it—even today. For those who are ready, it’s game on! |
| financial literacy for adults with disabilities: Financial Capability and Asset Building in Vulnerable Households Margaret Sherraden, Julie Birkenmaier, J. Michael Collins, 2018-03-28 Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded daily with vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As first responders, they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles of ordinary working families. Financial Capability and Asset Building in Vulnerable Households prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stage with key concepts, historical antecedents, and current financial challenges of families in America. It provides knowledge and tools to assist families in pressing financial circumstances, and offers a lifespan perspective of financial capability and environmental influences on financial behaviors and actions. Furthermore, the text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. It is an essential resource for preparing the next generation of practitioners who can enable families to achieve economic security and development. |
| financial literacy for adults with disabilities: Handbook of Disability Marcia H. Rioux, |
| financial literacy for adults with disabilities: Understanding Dyslexia and Other Learning Disabilities Linda Siegel, 2013 In this accessibly written book, Linda Siegel challenges the use of complex and time-consuming testing that is currently used to diagnose learning disabilities. In their place, she outlines simple and pragmatic techniques for testing for disabilities in reading, mathematics, spelling, and writing. |
| financial literacy for adults with disabilities: Financial Literacy for Youth with Disabilities Gerald Lowry, 2015 Youth with disabilities face several challenges as they transition out of high school. In addition to the social and emotional challenges associated with moving out of the guidance and supervision of supportive staff, teachers and friends in schools, and leaving home to enter the workforce, youth must be prepared and be able to navigate an increasingly complex world to obtain and maintain employment over the long-term. Among the most pressing issues for youth with disabilities are the development of knowledge and skills with regards to financial independence, money management and an understanding of asset development strategies. All too often, youth with disabilities live in poverty and face barriers to stable employment opportunities. In addition, government programs with confusing and conflicting eligibility criteria make accessing needed support services extremely difficult which often leads to unsuccessful transitions from school to post-secondary education, employment and independent living. Young people with disabilities may want to learn how to save money and build assets, but getting a job and saving a portion of their income may cause them to lose their disability benefits and other important support services, like health care. In order to address these concerns, comprehensive financial literacy programs customized to meet the needs of youth with all types of disabilities is paramount and in a diverse society such as ours, educators and policymakers should reexamine various cultures' value systems and recognize the importance of guiding youth/disabilities towards moral decisions on humanistic, rather than purely economic bases. This book explores efficacy and overall adequacy of financial literacy programs for youth with disabilities, and highlights promising practices that have been shown to improve participants' knowledge of money management and asset development strategies. Additionally, it explores the extent to which the generic financial literacy curricula and/or educational programs that target nondisabled youth address the needs of youth with disabilities by highlighting gaps in instructional domains and practices in existing programs. Finally, the implications for future research and policies related to financial literacy and employment for youth with disabilities are discussed. |
| financial literacy for adults with disabilities: A Practical Reader in Universal Design for Learning David Howard Rose, Anne Meyer, 2006 As both an entry-level and advanced primer for UDL, A Practical Reader in Universal Design for Learning sheds light on contemporary educational curriculum that incorporates best-in-practice techniques for advancing learning objectives. |
| financial literacy for adults with disabilities: Life Experiences of Adults with Intellectual and Developmental Disabilities , 2024-10-24 Life Experiences of Adults with Intellectual and Development Disabilities, Volume 67 in the International Review of Research in Developmental Disabilities, highlights new advances in the field, with this new volume presenting interesting chapters written by an international board of authors. Chapters include Inclusive Postsecondary Education for Adults with Intellectual and Developmental Disabilities, Neurodiversity-affirming clinical care for adults with intellectual and developmental disabilities, Community Participation in Autistic Young Adults, Employment Services Landscape and Best Practices for Adults with Intellectual and Developmental Disabilities, and much more.Additional chapters cover Exercise During Adulthood and Intellectual Disabilities: A Systematic Review and Aging and Retirement of Adults with IDD. - Provides the latest information on Life Experiences of Adults with Intellectual and Developmental Disabilities - Offers outstanding and original reviews on a range of Life Experiences of Adults topics - Serves as an indispensable reference for researchers and students alike |
| financial literacy for adults with disabilities: PISA 2012 Results , 2014 |
| financial literacy for adults with disabilities: Financial Peace Dave Ramsey, 2002-01-01 Dave Ramsey explains those scriptural guidelines for handling money. |
| financial literacy for adults with disabilities: The Value of Employment for People with Disabilities Around the World Renáta Tichá, Brian Abery, Jan Šiška, 2024-07-03 Receiving education and training that lead to a meaningful job, having a career, and being a valued contributor to a professional environment is taken for granted by many. Historically, however, people with disabilities have had limited opportunities to engage in employment due to discrimination, ableism, and low expectations despite the fact that employment is a basic human and civil right. This book is intended to build awareness and inspire action on the part of chief executive officers, human resource managers, and supervisory personnel to facilitate employment opportunities for people with disabilities. It will be of interest to policy makers and other professionals who support people with disabilities as part of their responsibilities in labor and social service ministries, vocational rehabilitation service providers, and employment service providers. The book is written by authors with backgrounds in a variety of disciplines related to the employment of people with disabilities across North America, Europe, Asia, Africa, and Australia. |
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