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Appendix

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Appendix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53

Vocabulary List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56

Image Card List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69

Concept Video List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72

Worksheet and Handouts Master List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73

Curriculum Support Kit Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76

Family Prosperity Initiative - Partners . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77

Family Prosperity Initiative - Instructor Manual Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81

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Vocabulary List

Vocabulary

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Image Card List

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Image Card List

Concept Video ListPlease access these concept videos (on the enclosed disc) to help support vocabulary in the cirriculum.

• FPI Banking Concepts - Deposit

• FPI Banking Concepts - Online Banking

• FPI Banking Concepts - Withdrawl

• FPI Sales Pressure

• FPI Shopping at Grocery Store

• FPI Telemarketers

• FPI Theft and Identity Theft

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Worksheet and Handouts Master ListBeginner (ESL Level 0-1):Lesson 1: Numeracy – Introduction to Numbers

• 9-Square Bingo Card Template

• Number Grid 0-20 Reference Sheet

• Numbers 0-10 Worksheet

• Numbers with Dots Sheets

Lesson 2: Numeracy - 0-10 Practice• Number Grid 0-20 Reference Sheet

• Numbers 0-10 Worksheet

• Numbers 0-15 Worksheet

Lesson 3: Numeracy - 0-100• 25-Square Bingo Card Template

• Number Cards 0-9

• Number Grid 0-20 Reference Sheet

• Numbers Grid 0-100 Reference Sheet

• Numbers 0-12 Worksheet

• Numbers 0-15 Worksheet

• Numbers 0-20 Worksheet

Lesson 4: Numeracy - Counting by 5s and 10s• Numbers Grid 0-100 Blank Sheet

• Numbers Grid 0-100 Reference Sheet

Lesson 5: Money Identification - Dollar Bills• Dollar Recognition Chart

Lesson 6: Money Identification – Coins• Coin Identification Chart

• Coin Identification Grab Bag Activity

• Coin Identification Words Activity

Lesson 7: Money Comparison - How many coins make a dollar?• 100 Pennies Picture

• Coin Identification Chart

• Coin Identification Grab Bag Activity

Lesson 8: Banking Basics• Banking Vocabulary Matching Worksheet

Lesson 9: Introduction to Banking• Introduction to Banking Matching Worksheet

Lesson 10: Budgeting Basics - Understanding Government Assistance• Budget Worksheet

Intermediate (ESL Level 2-3):Lesson 1: Introduction to Money Management

• Goals and Dreams Worksheet

• Zuri’s Life in the United States Story Worksheet

Lesson 2: Store Prices and Measurements• Price Tag Worksheet

• Interpreting Grocery Prices Document

Lesson 3: Understanding Money - Verbal Understanding and Calculator Skills• Adding Prices Worksheet

• Calculator Information Sheet

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Lesson 4: Money Skills - Making Change• Making Change Worksheet

Lesson 5: Money Skills - Purchasing• Price Tags

Lesson 6: Understanding Paychecks• Budget Worksheet

• Tsheej’s Paycheck Worksheet

• Blank Paycheck Worksheet

Lesson 7: Tracking Expenses• Budget Worksheet

• My Family’s Expenses Tracking Worksheet

• Yeshey’s Expenses Worksheet

Lesson 8: Creating a Monthly Budget• Budget Worksheet

• Ideas to Increase Income and Decrease Expenses

• My Family’s Expenses Tracking Worksheet

Lesson 9: Needs and Wants• None

Lesson 10: The Importance of Paying Your Bills on Time• Bill Payments Calendar Worksheet

• Ways to Prevent Late Payments Worksheet Answers (Projection)

• Ways to Prevent Late Payments Worksheet

Lesson 11: Writing a Check• Check Writing Worksheet

Lesson 12: Introduction to Banking• Matching Definitions Worksheet

• Pedro Makes a Bank Deposit Story Worksheet

Lesson 13: Opening a Bank Account• Bank Account Cost Comparison Chart

• Bank Statement “interest earned line” example

• Opening a Bank Account Worksheet

Lesson 14: Understanding Rental/Lease Agreements• Sample Lease Agreement

Lesson 15: Reading Utility Bills• Sample Utility Bills

Lesson 16: What documents should we carry with us?• Documents to Keep Handout

• What I Should Carry or Leave At Home Worksheet & Answer Key

Advanced (ESL Level 4-5):Lesson 1: Goal Setting

• Fatima’s Story Worksheet

• Goals and Dreams Worksheet

Lesson 2: Understanding Rental/Lease Agreements• Lease Matching Game

• Sample Lease Agreement - Advanced

Lesson 3: Reading Utility Bills• Check Writing Worksheet

• Sample Electricity Bill

Lesson 4: Understanding a Cell Phone Bill• Sample Phone Bill

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Lesson 5: Methods to Pay Bills• Check Writing Worksheet

• Paying Water Bill over the Phone Script (Instructor and Student copies)

• Sample Water Bill

Lesson 6: Understanding Banking Products – Savings• Savings Activity Signs

• Types of Savings Accounts Worksheet

Lesson 7: Understanding Banking Products – Loans• Personal Loan Agreement

• Interest Activity Signs

Lesson 8: Understanding Insurance• Matching Insurance Terms Worksheet

Lesson 9: Reading Coupons• Sample Grocery Sales

Lesson 10: Reading a Receipt• Sample Receipt

Lesson 11: Paying Bills on Time• Amira’s Bill Tables

Lesson 12: Understanding Paychecks• Blank Paycheck for Tsheej

• Budget Worksheet

• Tsheej’s Paycheck-Advanced

Lesson 13: Filling out Bank Deposit and Withdrawal slips• Checking Deposit and Checking Withdrawal Worksheet

• Savings Deposit and Savings Withdrawal Worksheet

Lesson 14: Different Ways to Access Money: Credit and Debit• Matching Payments Worksheet

Lesson 15: Ways to Protect My Identity• Celia Protects her Identity Worksheet

• Documents to Keep Handout

Lesson 16: Protecting Myself Online: Avoiding Scams and Fraud• Online Security Images

• Protecting Myself Online Worksheet & Answer Key

Lesson 17: Identity Theft - What to do If Your Identity is Stolen• Helpful Websites If Your Identity is Stolen

• If My Identity is Stolen Handout

Lesson 18: Understanding Your Credit Report• Accessing Your Free Credit Report Handout

• Credit Report Request Form (optional)

Lesson 19: Understanding the Differences in Lending Institutions• Scenarios for Lesson 19

• Lending Institution Comparison Chart

• Getting a Loan Role Play Script

• Match Lending Institution to Services Worksheet & Answer Key

Lesson 20: Payday Loans and Unconventional Lenders• Advertisements for Payday/Title Loans

• Alternatives to Using Unconventional Lenders Worksheet

• Lender Comparison Continuum

• Unconventional Lenders Comparison Chart

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Lesson 21: High-Pressure Sales Tactics & Recognizing Scams and Fraud• Advertisements for Frauds and Scams

• Spot the False Advertising Worksheet & Answer Key

Curriculum Support Kit ContentsNumeracy Kit for ESL Levels 0-1Snap Cubes from School Outfittershttps://www.schooloutfitters.com/catalog/product_family_info/cPath/CAT1681_CAT2137_CAT2140/pfam_id/PFAM35395

Place Value Blocks (aka Base 10 Blocks) from LakeShore Learninghttp://www.lakeshorelearning.com/product/productDet.jsp?productItemID=1%2C689%2C949%2C371%2C919%2C766&ASSORTMENT%3C%3East_id=1408474395181113&bmUID=1437514075584

Financial Literacy Kit for all ESL Levels 0-5Play Money Set from Melissa and Doughttp://www.melissaanddoug.com/play-money-set

Self-Checking Money Match-Ups from LakeShore Learninghttp://www.lakeshorelearning.com/product/productDet.jsp?productItemID=1%2C689%2C949%2C371%2C895%2C520&ASSORTMENT%3C%3East_id=1408474395181113&bmUID=1431910292399

Sacajawea Dollars (plastic) from eNascohttps://www.enasco.com/product/TB18718J

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FPI Partners

Family Prosperity Initiative Partners The Family Prosperity Initiative, a partnership

of several agencies in Salt Lake County, Utah, would like to thank Smart investing@your library®, the FINRA Investor Education Foundation and the American Library Association for the opportunity and funds to provide financial literacy education to refugees, new immigrants and the public in Salt Lake County and surrounding communities. (http://www.slcolibrary.org/smartInvesting/)

Smart investing@your library® is administered jointly by the FINRA Investor Education Foundation and the American Library Association. Through grants, exhibits and librarian training, this program supports efforts to provide library patrons with access to effective, unbiased financial education resources.

Participating libraries use a variety of strategies to bring quality financial and investor education opportunities within easy reach of diverse groups of library patrons at no cost to them. Through the program, library patrons are empowered to make smart financial decisions, both for long-term investing and day-to-day money matters. The program is especially concerned with helping those who might otherwise have limited access to important information relevant to their financial well-being. (http://smartinvesting.ala.org/)

The FINRA Investor Education Foundation provides underserved Americans with the knowledge, skills and tools necessary for financial success throughout life. (http://www.finrafoundation.org/)

Family Prosperity Initiative - Partners

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FPI Partners

The American Library Association (ALA) is the oldest and largest library association in the world, providing association information, news, events, and advocacy resources for members, librarians, and library users. Founded on October 6, 1876 during the Centennial Exposition in Philadelphia, the mission of ALA is to provide leadership for the development, promotion, and improvement of library and information services and the profession of librarianship in order to enhance learning and ensure access to information for all. (http://www.ala.org/aboutala/ )

Salt Lake County Library Services (SLCoLS) has served immigrants and refugees in Salt Lake County since 1939. They will assist with curriculum adaptation; curriculum support materials; provide instructors as needed; meeting/training space; and professional marketing services. They will also maintain the timeline, coordinate partner efforts, and be responsible for the delivery of reports to the Grantors. (http://slcolibrary.org/)

English Skills Learning Center (ESLC) accomplishes its mission of bringing integration, security, and empowerment to adult English language learners in Salt Lake County by offering community-based ESL and Citizenship classes. The ESLC will incorporate the FPI curriculum into its current Empowering Parents classes, which are offered in schools and help engage parents in their children’s education. The curriculum will also be used to supplement English instruction at the LDS Humanitarian Center, where refugees participate in a year-long English and job skills training program. ESLC will also incorporate FPI into classes offered at Glendale/Mountain View Community Learning Center (G/MVCLC) (www.saltlakeeducationfoundation.org/Community-Learning-Centers) and Refugee

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FPI Partners

Welcome Centers (www.uw.org/our-work/promise-partnerships/south-salt-lake/south-salt-lake-2). ESLC staff members will train and supervise the volunteers who will provide classroom instruction. (http://www.eslcenter.org/)

The Guadalupe School's Adult Education Program (GSAEP) teaches English to low-income immigrant adults who need to learn basic survival language skills. Students are placed in small groups and instructed by volunteer tutors, who work under the supervision of trained staff members. The financial literacy curriculum will be part of Adult Education's existing, competency-based language curriculum. (http://guadalupeschoolslc.org/adult-education)

International Rescue Committee of Salt Lake City (IRC-SLC) “From the first moment the IRC hits the ground we work toward lasting solutions. Building local capacity and self-sufficiency -- and promoting human rights, participation, and accountability -- are at the core of all of our innovative programs.” They have provided services to refugee communities in Utah since 1993. IRC-SLC will play a key role in the translation and adaptation of curriculum and materials. The will also hire translators and additional instructors as needed. (http://www.rescue.org/us-program/us-salt-lake-city-ut)

The Refugee and Immigrant Center at Asian Association of Utah (RIC-AAU) will provide space and classes at neighborhood centers to provide instruction and supplementary training within existing curricula and will promote standalone classes to refugee and immigrant populations. (http://aau-slc.org/)

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FPI Partners

Salt Lake County Office of Community Innovation (SLCOCI will work closely with both SLCoLS and ESLC to identify additional partners, contribute to grant reports, and provide instructors. (http://slco.org/community-innovation/ )

The Social Research Institute (SRI) provides research, training, and consultation to build and enhance the capacity for human service systems change through evidence-based practice. SRI is also involved with development of resources for research. They will be preparing and conducting evaluative components of this project. (http://www.socwk.utah.edu/sri/)

Utah State University Extension Services will oversee the curriculum development, train the ESL Instructors to use developed curriculum, and will provide the stand-alone class series. (http://extension.usu.edu/saltlake/)

Additional Community Supporters:

Salt Lake City Public Library (SLCPL) has served immigrants and refugees in Salt Lake City since 1898 and will provide space and classes in which to provide supplementary training as well as promote to refugee and immigrant population. (http://slcpl.org/) Utah Education Network (UEN) connects all Utah school districts, schools, and higher education institutions to a robust network and quality educational resources. UEN is one of the nation's premier education networks. UEN will assist in the promotion of the classes and will provide links to materials from the Pioneer Network (http://pioneer-library.org/) that serves the entire State of Utah. (http://www.uen.org/)

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Family Prosperity Initiative - Instructor Manual Credits

Project Principal: Susan Hamada - Salt Lake County Library Services

Project Coordinator: Liesl Seborg - Salt Lake County Library Services

Designer: Claudia Greaves - Salt Lake County Library Services

Utah State University Extension (USU-E) Curriculum Development Team:

Marilyn Albertson (USU-E) - Curriculum Development Manger and Writer

Shauna LaBeau (USU-E) - Team Lead and Writer

Sheila Sconiers (USU-E) - Writer

Jessica Marie Clark (USU-E) - Writer

Sara Wolovick (English Skills Learning Center) - Writer

Liesl Seborg (Salt Lake County Library Services) - Writer & Video Contributor

Ernest Bourne (Salt Lake County Library Services) - Video Contributor

Jennifer Rodriguez (Salt Lake County Library Services) - Image Researcher

Curriculum Consultants:

Cathy Barnhart - English Skills Learning Center

Pamela Silberman - English Skills Learning Center

Gayane Manukyan - Refugee & Immigrant Center - Asian Association of Utah

Kate Brainerd - Guadalupe School

Denise Burnett - International Rescue Committee - Salt Lake City

Joshua Lloyd – International Rescue Committee – Salt Lake City

Naima Mohamed – Salt Lake County Office of Community Innovation

Assessment Design:

Kara Mileski - Social Research Institute of University of Utah School of Social Work

Editorial Team:

Liesl Seborg -- Salt Lake County Library Services

Claudia Greaves -- Salt Lake County Library Services

Marilyn Albertson -- Utah State University Extension

Shauna LaBeau -- Utah State University Extension

Caresa Alexander -- Utah State University Extension

Smart Investing @your library® Grant Consultants:

Margaret Monsour - American Library Association

Robert Ganem - FINRA Investor Education Foundation