Republic of the Philippines

University of Eastern Philippines

PEDRO REBADULLA MEMORIAL CAMPUS

Catubig N. Samar

Building and Enhancing New

Literacies Across the
Curriculum
(Module)

John Albert M. Berou

BSED-lll-Filipino

Mr. Nicolas T. Pujante

Instructor
 Learning Tasks 1:

What do you think?

1. A woman who speaks Cebuano or Bisaya in Manila is often assumed to be maid or yaya; A
man who speaks Tagalog with a heavy provincial accent is often stereotyped as a laborer,
driver or soneone involved in manual labor. Cite at least three instances, similar to the given
examples, where you noticed/experienced discriminatory practicesin school/community.
How did you respond to the situation?

Answer:

* Only English speaking person are smart and intellegent.

*Walking while going to school are poor

*A black skin person always bullied by their color.

-Actually, all of those mentioned above was out of my experiences. I was told by many that my
skin color is black , because sometimes if there's no class I need to work so that I have an
allowance during school days.. And, in our school, my friend and I was dicriminated because of
being poor, sometimes, I walk when I'm going to school if I have no money and I responded all
of it positively.

2. A student refused to participate in a class activity because it is against the teachings of

his/her religious affiliation. What should a teacher do? Should this affect the student's class
performance? Why or why not?

Answer:

What the teacher should do is to respect the decision of his/her student, that he/she refused to
participate in a class activity because it is against the teachig of his/her religious affiliation.
Lesson should be free from prejudices.How do you help students of all religions—or no religion
—feel safe, supported and accepted? By creating a classroom culture in which religious
diversity is respected. And of course, it will affect the student's performance if he/she will miss
some of the requirements. But there will be always ways. The teacher may create other
activities for this.
3. Teacher Maya noticed that Simon, one of his pupils, has been absent from her class for two
consecutive weeks. When teacher Maya contacted the parents of Simon, she found that the
child refused to attend classes for his classmates keep on calling him "nognog" because of the
color of his skin. If you were teacher Maya, what would you say to Simon? What advice will
you give to the bullies?

Answer:

If I were teacher Maya, what I would say to Simon is about taking it positively, going back to
school and not having a desire for revenge. This would be my advice for Simon, " Let those
words from them become your inspirations to grow and keep learning. If you do that, time will
come those people will realized that they are wrong. Do what is right and revenge is not the
key. According to Albert Einstein, " Weak people revenge, strong people forgive, intelligent
people ignore". Be the intelligent one. Simon go back to school, I don't want you to be like this-
a crying and coward boy. Stand and be bold, you are fearfully and wondefully made. All of
God's works are beautiful and you are one of them". As how I encouraged Simon bravely going
back to school, I have the same advice for the bullies out there. I do believe, they need an
encouragement and moral support to cope trepidation.

One, Two, Three Go!

Accomplish the following task:

1. Look for one article about multiculturalism and diversity in schools. Summarize the major
points of the article and reflect on its message.

This is a summary of the article Pros & Cons of Multicultural Education written by Kristine
Tucker.In this article, the author wishes to emphasize the 2 benefits and 2 disadvantages of
multicultural education.

What are the advantages? (a) Equal Learning Opportunities. How multicultural education
provides equal learning oppurtunities?: It offers equal learning opportunities for students of all
races and ethnic backgrounds; It encourages diversity by promoting respect and appreciation
for cultural differences, and helps students recognize and combat social injustices, such as bias
or prejudice; A multicultural education strives to eradicate stereotypes and encourages
cooperation and equality, according to educators Louise Derman-Sparks and Patricia Ramsey in
their book "What If All the Kids Are White?; With multicultural education, students develop
strong identities based on their interests, abilities, family values and cultural background -- not
the color of their skin. (b) Skills for College, or Workplace. The authors also provided the hows
of this: Students gain a comprehensive understanding of history, culture and society, preparing
them for heterogeneous college classrooms and a culturally diverse marketplace; Teachers who
support multicultural education avoid textbooks that predominantly focus on white Anglo-
Saxon identity, and opt for textbooks and supplementary materials that cover a wider range of
cultures and historical backgrounds; This well-rounded approach produces students and
workers who are knowledgeable, inclusive, community-oriented and compassionate, according
to a book by Carolyn O'Grady, director of the Center for International and Cultural Education at
Gustavus Adolphus College in Minnesota.

How about the disadvantages of multicultural education? (a) Risk of Alienating Students.
"Without strong administrative support, an all-encompassing curriculum and school policies
that support and encourage multicultural efforts, some students might feel alienated. Rather
than gaining respect for their cultural differences and receiving opportunities to share and
experience them, they might feel as though they're being forced to blend in -- like a giant
melting pot. Others might resent changes in existing school traditions and revised academic
requirements designed to promote multiculturalism, suggests Keith Wilson, dean of the College
of Education and Human Services at Southern Illinois University at Carbondale." (b) Squeezing
Out Other Lessons"Some educators must omit portions of their lessons or restructure them to
accommodate a wider range of cultural and historical perspectives. Thus, their lessons are less
robust and are more generalized. For example, a language arts teacher might only have time to
discuss one of William Shakespeare's plays or one of Robert Frost's poems during the semester
to make room for other literary works by authors from other countries, such as China,
Germany, Mexico or France. Students might gain a broader knowledge base, but learn fewer
details about specific content areas. In this example, a generalized approach might hurt a
student who plans to major in English literature or become a high school or college English
literature teacher."

Reflecting on the message of the article, I felt the essence of multicultural education and the
drawbacks of it. Truely, everything has two faces- the goodness and badness. In connection
with the pros and cons of multicultural education written by Kristine Tucker, I was enlightened
that this multicultural education that I see as a strength for education also a weakness. What.I
would do as a future educator? I need to learn more, read books and promote equality as a
student of today by respecting different cultures and backgrounds.
2. Cite two facebook memes with insensitive and discriminatory content about people of
different culture. Briefly discuss each meme.

1. Some other students descriminated in schools, many questions received from other students.

“Why is your skin like that? Why do you look like that? Why are you so dark? Why are you
Muslim? Why are you you?”

People make fun of those people who had black skin color, in this picture, as they see black
people, what comes into their mind is to bully that person.

2. What is the impact of

these images on our youth? Fear, hate, and ignorance. Muslims are often represented as a
homogenous group with violent tendencies by television, movies, video games, and news
media. The overwhelming image of Muslims in popular media today is as the “bad guy.” What
does it mean to be the “bad guy”? It means that in popular media, Muslims are depicted as
“crude and exaggerated,”
3. Name three teaching strategies that are designed to cater diversity and multiculturalism in
a classroom. Briefly describe each strategy.

1. Acknowledge and Respect Every Student

It’s important for students to celebrate and respect their own diverse backgrounds, as well as
each other’s. When appropriate, teachers should encourage students to research and learn
about their own ethnic and cultural backgrounds. This allows them to better understand their
own culture as well as the differences and nuances with their peers. As a bonus, this can be a
great ice breaker assignment, allowing students to give presentations about their family
traditions and culture to help expose the class to concepts outside of their own familiar comfort
zone. Acknowledging these differences and creating a safe space for discussion helps promote
understanding in the classroom and beyond. Also, as you encourage students to learn about
their diverse backgrounds, remember to take the time to highlight what’s offensive and the
distinction between cultural celebration and appropriation. Learning how to talk about other
cultures in a respectful, mature way is essential for success in life outside the classroom.

2. Cultural Sensitivity

While it’s important to keep an open dialogue amongst students, it’s equally as important to
make sure you’re being sensitive to everyone’s culture, beliefs, and language concerns. Take
the time to understand each student’s cultural nuances – from learning styles to the language
they use – and use these insights to design your lesson plans. For example, provide English
language learners with appropriate and relevant resources that help them improve their English
comprehension skills. Rather than teach with a traditional lecture style, create learning
experiences that are more interactive and require collaboration. These considerations will help
ensure that every student feels included, is given the space to learn in their own way and is
given a chance to succeed.

3. Give Students Freedom and Flexibility

Teachers often feel like they need to take on a strict, authoritative approach when it comes
to managing their classroom. The most valuable lessons are often learned through a student’s
own experiences, so giving them some freedom in the course encourages more connection to
the curriculum. Allow students to read and present their own materials that relate to the
fundamental lesson so they can approach the topic from their own perspective. As a teacher,
you can act as a facilitator and encourage conversation and healthy debate between diverse
opinions. Group assignments are also a great way to expose students to diverse perspectives,
allowing them to work together to explore and solve a problem. This will also help prepare
them for a diverse workforce where they’ll have to partner with a range of people to
accomplish their professional goals.
Enrichment

Perform the following enrichment task:

1. Write a semi-detailed lesson plan about a topic in your area of specialization. Integrate an
activity or discussion that would help develop global and/or multicultural literacy among
students.

Answer:

BANGHAY ARALIN SA FILIPINO 1

I. LAYUNIN

1. Nakikilala ang mga pang-uring ginamit sa pangungusap.

2. Nailalarawan ang mga kaklase sa pamamagitan ng wastong paggamit ng pang-uri.

3. Nakikilahok sa mga gawain na may kasiglahan.

II. PAKSANG ARALIN: Paglalarawan Gamit ang Pang-uri

KAGAMITAN: puting papel, salamin, at pisara

SANGGUNIAN: Teacher’s Guide sa Filipino

III. PAMAMARAAN

A. Panimulang Gawain

1. Pagpapalinis ng silid-aralan

2. Panalangin at Pagbati

3. Pagtatala ng lumiban

B. Pagganyak

"Sabihin Sa Amin"
Tatatawag ako ng tatlong mag aaral sa loob ng klase, at ilarawan ninyo ang inyong kumunidad,
tradisyon o kultura na mayroon kayo sa inyong lugar. (Itatala ng guro ang mga nasabing
paglalarawan ng mga bata.)

C. Pagtalakay

“ Malayang Talakayan”

Ngayong araw, ilalarawan natin ang inyong mga kaklase.

1. Humarap sa inyong katabi, at pagmasdan maigi ang itsura nito. Pagkatapos, ilarawan sila
gamit ang pang-uri. Isusulat ng guro ang nasabing pangungusap sa pisara.

2. Matapos ang paglalarawan, tatalakayin at kikilalanin ang mga pang-uring ginamit.

D. Gawain

Anyayahan ang klase na maglaro ng “Sino ang kaklaseng tinutukoy?” Ilarawan ang ilang

bata sa pamamagitan ng paggamit ng wastong pang-uri at ipatukoy ang kaklaseng inilalarawan.

Halimbawa:

Nasaan ang kaibigan ko?Kaibigan ko? kaibigan ko?Nasaan ang kaibigan ko?Siya ay may
mahabang buhok!

Pagpangkatin ang klase at bigyan ng oras ang bawat pangkat na pumili mula sa mga kaklase ng
kanilang ilalarawan gamit ang wastong pang-uri.

IV. Pagtataya

Panuto: Basahin ang bawat pangungusap. Isulat sa patlang ang tamang antas ng pang-uri kung
ito'y lantay, pahambing o pasukdol.

1. Ang pangkat ni Ramon ay mabilis sa pagtakbo.

2. Si Ken ay mas mabait kay Kevin.

3. Ubod ng linis ang bahay ni tita Lena.

4. Maganda ang mga tanawin na makikita sa Baguio.

5. Sina Yuri at Tory ay magkasingtaas na.

V. Takdang Aralin
Magtanong kayo sa inyong magulang o kapatid tungkol sa kung ano ang pinagkaiba ng Pilipinas
sa ibang mga bansa sa usaping kultural. Gumawa ng isang talata gamit ang pang-uri, base sa
inyong nakuhang impormasyon. Isulat ito sa isang buong papel.

Learning Tasks 2

What do you think?

Answer the following questions by discussing how each teacher should respond to the given
problem/situation.

1. Teacher Sabel found out that the work of her students contains information taken from
various sources without proper citation. What violation did her students commit? What
should Teacher Sabel do to help her students avoid such problem? Should Teacher Sabel
subject these students to disciplinary actions? Why or why not?

Answer:

- The students commit PLAGIARISM. It is presenting someone else’s work or ideas as your own,
with or without their consent, by incorporating it into your work without full
acknowledgement. All published and unpublished material, whether in manuscript, printed or
electronic form, is covered under this definition. In this kind of violation, what Teacher Sabel
should do to help her students avoid such problem is to promote anti-plagiarism. How? Teacher
Sabel should teach her students how to guarantee their paper free from plagiarism through the
4 steps mentioned below:

Step 1: Keep track of your sources

While you’re doing research and taking notes for your paper, make sure to record the source of
each piece of information. One way that students commit plagiarism is by simply forgetting
where an idea came from and unintentionally presenting it as their own.

You can easily avoid this pitfall by keeping your notes organized and compiling a list of citations
as you go. Keep track of every source you consult—that includes not only books and journal
articles, but also things like websites, magazine articles, and videos.

Then you can easily go back and check where you found a phrase, fact, or idea that you want to
use in your paper.
Step 2: Quote and paraphrase

While writing your paper, if you want to share an idea or a piece of information from a source,
you must either paraphrase or quote the original text.

Quoting

Quoting means copying a piece of text word-for-word. The copied text must be introduced in
your own words, enclosed in quotation marks, and correctly attributed to the original author:

For example: According to Cronon, the concept of wilderness is a cultural invention: “Far from
being the one place on earth that stands apart from humanity, it is quite profoundly a human
creation—indeed, the creation of very particular human cultures at very particular moments in
human history” (1995, p. 69).

Paraphrasing

Paraphrasing means using your own words to explain something from a source. It allows you to
give only the most important information from a passage.

For example: Before the 18th century, the word “wilderness” had very different associations
than it does today. Far from being tourist attractions, wilderness areas were considered bleak,
barren places that inspired fear and confusion—landscapes to be avoided rather than actively
sought out (Cronon, 1995, p. 70).

In the paraphrased example, the author’s main point has been rephrased and condensed; the
order of information and the sentence structure have been changed.To avoid plagiarism when
paraphrasing, you need to make sure that your text isn’t too similar to the original.

Step 3: Cite the original source

Every time you quote or paraphrase, you must include an in-text citation (or footnote citation)
that identifies the original author. It often also includes the publication year and a page
number.

Each in-text citation must correspond to a full reference in the reference list or bibliography at
the end of your paper. This details exactly where the information came from, allowing your
readers to locate the source for themselves.

There are many different citation styles, and each one has its own rules for citing. Some of the
most common include APA, MLA and Chicago Style. The most important thing is to apply one
style consistently throughout the text.
For example: In-text citation

Recent research has shown that plagiarism is an increasingly widespread issue (Smith &
Thomas, 2018, pp. 34–36).

Reference list entry

Smith, T.H., & Thomas, L. (2018). New challenges in higher education. New York, NY: Free Press.

Step 4: Use a plagiarism checker

Most universities use plagiarism checkers to detect plagiarism in student papers. This
technology scans your document, compares it to a huge database of publications and websites,
and highlights passages that are overly similar to other texts.

You can use a plagiarism checker yourself before submitting your paper. This allows you to
identify any parts where you’ve forgotten a citation, left out quotation marks, or included a
paraphrase that’s too close to the original text. Then you can follow the steps above to easily fix
any instances of potential plagiarism.

There are differences in accuracy and safety between plagiarism checkers:

a. Best plagiarism checker comparison (free and paid checks)

b. Best free plagiarism checker comparison (only free checks)

And also, Teacher Sabel should subject these students to disciplinary actions as a response to
student's misconduct or violation. Some scholars define plagiarism as a sub-category of
cheating, some as the same level and seriousness as cheating, thus being a direct subset of
Academic Dishonesty. Teacher Sabel could give a verbal or written warning to these students
who commit it.

2. Teacher Pedro is teaching academic research writing in a remote barangay with no library
and access to internet connection. One of the competencies required by the course is for
students to gather existing literature and relevant studies about a study subject. What
alternative ways can Teacher Pedro do to teach the competency despite the lack of resources
in the locality?

Answer:

-What Teacher Pedro should do is to provide numerous literature such as books, articles and
magazines for the students to use in writing academic research. If in case, that it is the first
time that the students will write, then he should introduce such an easy topic where in Teacher
Pedro can contribute additional insights.

3. Teacher Makisig noticed the common observation among parents that their children are
drawn to using digital devices and browsing the internet for an extended period. What tips or
advice should Teacher Makisig give to parents in order to address the problem? What school
intervention should Teacher Makisig initiate to help the parents address the problem?

Answer:

Below are some of the tips of Teacher Makisig for parents in order to address the problem:

Address the problem

In a two-parent household, it is critical that both parents present a united front. As parents,
each must take the issue seriously and agree on common goals. Discuss the situation together
and, if necessary, compromise on desired goals so that when you approach your child, you will
be coming from the same page. If you do not, your child will appeal to the more skeptical
parent and effectively create division between you.

In a single-parent household, the parent needs to take some time to think about what needs to
be said and to prepare for the likely emotional response from the child. A child who is addicted
to the internet or becoming addicted to it will feel threatened at the very idea of curbing
computer or screen time. A single parent needs to be prepared for an emotional outburst laden
with accusatory phrases designed to make the parent feel guilty or inadequate. It is important
not to respond to the emotion—or worse: get sidetracked with a lecture on disrespect.
Acknowledge your child’s feelings but stay focused on the topic of his or her internet use.

Show you care

It will help to begin your discussion by reminding your child that you love them and that you
care about their happiness and well-being. Children and teens often interpret questions about
their behavior as blame and criticism. You need to reassure your child that you are not
condemning them. Rather, tell your child you are concerned about some of the changes you
have seen in their behavior and refer to those changes in specific terms: fatigue, declining
grades, giving up hobbies, social withdrawal, etc. Assign an internet time log—tell your child
that you would like to see an account of just how much time they spend online each day and
which internet activities they engage in.
Remind them that, with television, you can monitor their viewing habits more easily, but with
the internet, you need their help and cooperation to become appropriately involved. Put them
on the honor system to keep the log themselves for a week or two to build trust between you.
If they balk at this idea or clearly lie in their log, you are likely dealing with their denial of
addiction.

Become more computer-savvy

Checking history folders and internet logs, learning about parental monitoring software, and
installing filters all require a degree of computer savviness. It is important for every parent to
learn the terminology (both technical and popular) and be comfortable with the computer, at
least enough to know what your child is doing online. Take an active interest in the internet and
learn about where your child goes online.

Set reasonable rules and boundaries

Many parents get angry when they see the signs of internet addiction in their child and take the
computer away as a form of punishment. Others become frightened and force their child to
quit cold turkey, believing that is the only way to get rid of the problem. Both approaches invite
trouble—your child will internalize the message that they are bad; they will look at you as the
enemy instead of an ally; and they will suffer real withdrawal symptoms of nervousness, anger,
and irritability. Instead, work with your child to establish clear boundaries for limited internet
usage. Allow perhaps an hour per night after homework, with a few extra weekend hours. Stick
to your rules and remember that you’re not trying to control your child or change who they are
—you are working to help them free themselves from a psychological dependence. Finally,
make the computer visible. Create a rule that non-homework-related computer usage should
only happen in more public areas of the home, where your child is more likely to interact with
you or other members of the household.

To conduct a parent-teacher conference is what school intervention should Teacher Makisig

initiate to help the parents address the problem.

- to share their observations on how using gadgets and browsing the internet affects the studies
of their child..

- discuss enrichment or intervention strategies in response to the problem.

- formulate rules and boundaries of using mobile devices in school.

4. Teacher Miguel prohibits the use of cellphone and other digital devices in his class. He
usually confiscates these things before class starts and reprimands students who are caught
using cellphone in the classroom. What do you think is the motive of Teacher Miguel in doing
these? Is Teacher Miguel correct in prohibiting cellphones in class? Why? What do you think
would be the impact of these practices of Teacher Miguel to his students? If you don't agree
with these ways, what do you think should Teacher Miguel do instead?

Answer:

Teacher Miguel has a good intention why he prohibits the use of cellphone and other digital
devices in his class. He only wanted to keep his students distant from distraction. For him, focus
is important for the student's learning process. That's why, he confiscates these things before
class starts and reprimands students who are caught using cellphone. I do believed, it is
correct.Based on what I've observed and out of my experiences,

There are both pros and cons to students having cell phones in school. Although they can be
used as a learning tool in the classroom, this only works as long as students use them
effectively. But based on my observations, most of the students used cellphone in class as their
wboredom during class hours.

This means for teachers who decide to use cell phones (or any other digital device) as part of
their lessons, it’s important to set ground rules and keep a close eye on how they are being
used.

Give Me Five

List down the things asked in the following items. Briefly describe each.

1. State five reasons why a person needs to be media and information literate.

*It teaches you how to verify information and recognize other point of view.

*It encourages critical thinking.

*It encourages you to share other source of media responsibly

*It informs readers how media affect our culture.

*It helps you determine and identify communication and marketing ploys.

2. Give five traits of a media and information literate person.

*who can fact-check the materials presented

*who avoid posting inflammatory or offensive comments online

*Who filter adhered information before dessiminating

*who respect others' privacy by not sharing personal information, photos, or videos that
another person may not want to be published online

*who don't troll people in web forums or website comments by repeatedly nagging or annoying
them

*If someone asks a question and you know the answer, offer to help

* who thank others who help you online

3. Name five important roles of digital media literacy in the 21st century education.

*Technology provides teachers and students with access to a variety of educational resources
that inspire creativity, critical thinking, communication, and collaboration.

*It also cultivates other 21st-century skills like creativity, collaboration, and communication, as
well as increasing digital literacy skills through interacting with media, information, and
technology.

*It promotes inclusion and the development of digital literacy skills.

* It extends learning beyond the text – and beyond the classroom walls.

*It ultimately exposes students and teachers to new online global communities.

4. Mention 5 common teaching and learning challenges in the 21st century education.

*Inspiring students to be more self-directed

*Improving Learning Outcomes

*Understanding Changing Technology

*Finding the time to keep up with administrative tasks

*Parental Involvement
5. Name five things to remember when evaluating online information.

* Authority - Is the information from sources known to be reliable?

*Accuracy - Are the sources for factual information clearly listed so they can be verified in
another source?

*Objectivity - Does the content appear to contain any evidence of bias?

*Appearance - Does the site look well organized?

*Coverage - Are these topics successfully addressed, with clearly presented arguments and
adequate support to substantiate them?

Enrichment

Accomplish the following enrichment activity:

1. Look for one recent research article on media literacy among Filipino learners. Summarize
and reflect on the findings of the study.

This is a summary of the research article Towards a literate studentry: media and information
literacy implementation in the Philippines written by Donnalyn Labangon and John Louie
Zabala. In this article, the authors discussed the relationship of Media and Information Literacy
(MIL) training, enabling facilities, and assistive technologies in MIL instruction to the Media and
information literacy of the students in the Philippines.

The respondents of the study were from four regions in the country. The MIL instructors were
from the National Capital Region (NCR), Region III (Central Luzon), Region VII (Central Visayas),
and Region XII (SOCCSKSARGEN).

Majority of the Media and Information Literacy (MIL) instructor-respondents were not exposed
to prior training due to unavailability of sessions and training for such. This widens the blur on
the quality of the instruction they impart to their students. School libraries
were seen active in assisting MIL instructors. Public libraries were less visible. There was no
mention of the barangay reading centers as supplementary facilities to MIL instruction. This
could have been some remedial measure to increase the students’ exposure to library services
after formal school hours. More in-depth and unceasing investigations must be dedicated to
monitor and describe the state pf MIL in the Philippines, which is as of the moment at its
infancy. Technologies make the teaching-learning processes in MIL courses more efficient. The
technologies available within the teaching locale is totally assistive and instrumental in the
achievement of the course objectives in MIL instruction. Computers were the most available
instructional technology and is present in all of the schools of the respondents. On an average,
this is followed by the usage of internet facilities. The least available are radio sets and
television equipment.

With the limited number of respondents, a national scenario of MIL implementation is still yet
impossible. The data gathered were just from four regions in the country among many though
it is safe to conclude on MIL implementation for those individual regional
levels but it can not be generalized for the whole country. Reflecting on the
findings of research article, it only proves that there are different factors that affects the media
and information literacy of the students. As a future elementary educator, I need to exposed
myself learning how to be a media and information literate and to recognize these factors that
contributes to the realization of media and information literacy of my future learners.

Learning Tasks 3

What do you think?

1. What local practices ( religious, cultural, political) you think are deterrent to effective
financial managemant among Filipino families? What alternative ways Filipino should adopt
in order to replace/avoid these practices that lead to financial mismanagement?

Answer:

The local practices that are deterrent to effective financial management are celebrations (e.g.,
fiesta, birthday, etc.), vices and debt. What should be our ways to avoid these practices that
lead to financial mismanagement? One of these could be, having a daily, weekly and monthly
budget plan, in order for Filipino families be aware on how they will prioritize their needs over
wants. This could help the families realize that shortage may happen, if they improperly
manage their income. Another, saving. Most of Filipino youth , when they have extra money,
what they do is shopping, partying, and hanging out with friends, without realizing the amount
of money they spent. Aside of creating a budget plan and saving, the most important thing that
Filipino family must do is to spend below their mean. This could help the families be contented
and avoid debt.
2. In order to help the poor but deserving students get a college degree, the government is
granting Tertiary Education Subsidy amounting 20K per semester to students. If you were one
of the grantees of this government aid, how would you spend the money? Illustrate your
answer using a pie chart and a short description of the chart.

answer:

3. What tips and techniques would you give to parents in developing among their children
effective financial management?

Answer:

- Learn to say "No" to your children.

- Let your children handle their allowance

- Teach your children how to save money

- Show to your childrens that you are financially literate for them to follow and obey you

4. What are the common financial challenges and issues among students? What pieces of
advice would you share with your students about (a) budgeting (b) saving (c) spending (d)
borrowing?

Answer:

As a student, based on my observation and personal experiences, the common financial

challenges and issues among us are shortage in allowance due to overspending and not valuing
the difference between needs and wants As a future teacher, what will be my advice for them
about budgeting is to learn creating a daily budget plan. "Before you start spending, try to think
how much money do you have in your pocket?" This could be my question for them, to realize
and consider the needs over wants. Second, for saving. I will tell them to start saving while they
are studying. Saving is a habit that everyone must develop. I will tell them that saving not
forbid them to enjoy life, it only teach them to be responsible and wise in spending money.
Next, spending. I will ask them, " where they get their allowance and what their parents work?
This question will help them to think before they spend. I will tell them, "spending money is
easy but to earn money is the opposite. Learn to spend money wisely". Last, about borrowing..
Borrowing is not bad, but before you do it, think if there is another way than borrowing. As a
student, it is not good to practice borrowing. I believe, no one is a borrower if he/she spend
money wiser. Always remind yourselves that you're all student, that is why no need to borrow.
Ask help to your parents not on your classmates.

5. Teacher Ryan, newly hired public school teacher, was overwhelmed when he received his
first salary. Since he was not used to having a monthly income, he did not know exactly what
to do with his money. If you were Teacher Ryan, how will you spend your one-month salary?
Using a template available online, create a budget plan that is suited to your needs and
lifestyle.

Answer:

Give Me Ten

Accomplish the following task:

1. Read the books of "Rich Dad Poor Dad" by Robert Kiyosaki and Sharon Lechter. List down
ten lessons that you learned from this bestselling book on financial management. Briefly
discuss each.

Answer:

Lesson #1. This shows the difference how poor and rich people work for money. As what I
observed, poor people are busy earning for money and they found it insufficient while the rich
people busy for creating more jobs and hiring more employees from poor or middle class
people to work for them.
Lesson #2. Disappointments and failure are inseparable when we want to become rich. Without
anger, you will never realized how valuable it is for you. It only means you are afraid for it to
flee.

Lesson #3. In making decisions and taking actions, always keep your.intellect on top not your
emotions.

Lesson #4. It is about building a strong foundation. Digging a deep hole and pouring a 6-inch
slab of concrete means it demands your extreme efforts to achieve your dream.

Lesson #5. An asset is anything that puts money into your pocket, like a bond or house (that
you purchase and then rent out to other people). A liability is anything that costs you money
because it loses value over time, like an expensive car or television set. It's important to be able
to distinguish the two. "The rich buy assets. The poor only have expenses. The middle class buy
liabilities they think are assets," writes Kiyosaki.

Lesson #6. The well-educated "poor dad" says, "Studying hard and getting good grades is the
only way to secure a good job at a big company with excellent benefits. But the "rich dad" says
that the most important goal is to learn how money works so you can make it work for you. To
be financially smart, Kiyosaki says you must master accounting, investing, markets and the law.
The more you broaden your skills, the more successful you'll be.

Lesson #7. In the book, a woman with a master's degree in English literature asks Kiyosaki how
she can become a best-selling author. He tells her to enroll in a sales-training course. Shocked
by his answer, she says, "You aren't serious, are you..." Kiyosaki picks up a book on the coffee
table and says, "There's a reason successful books say 'best-selling author,' not 'best-writing
author.'" Selling is a crucial skill if you want to be rich, he explains. Get out of your comfort
zone, practice selling and network. If you don't, you'll never be able to run your own business.

Lesson #8. The primary difference between the rich and the poor is how they manage fear.
"Poor dad" keeps it safe and avoids risks. This perspective can be costly in the long-run. "Often
in the real world, it's not the smart who get ahead, but the bold," says "rich dad."

Lesson #9. The "rich dad" forbids his kids from saying, "I can't afford it." Instead, he tells them
to say, "How can I afford it?" The first phrase shuts down a person's brain, and they no longer
have to think. The second one opens up "possibilities, excitement and dreams." It forces the
brain to search for answers. Kiyosaki learns that the "primary reason the majority of the poor
and middle class are fiscally conservative—which means, 'I can't afford to take risks'—is that
they have no financial foundation."
Lesson #10. The emphasis on saving is only found in the poor and middle class. However, the
reason why savers are losers is that since 2000 there have been three massive stock market
crashes.