Personal Finance for Indigenous and Non-Indigenous People

Short Description:
Financial Empowerment is designed for a single-semester introduction to financial planning and decision-making, in order to provide first and second-year students with the necessary financial literacy and skills needed to make sound financial decisions, assess financial risk, and achieve financial success. This textbook attempts to speak to the varied backgrounds, knowledge systems, and experiences of Indigenous and non-Indigenous Canadians by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from Elders, the Canadian financial system, and the economy.

Long Description:
Financial Empowerment is an adaptation of the openly licensed textbook Personal Finance, v. 1.0 which was adapted by Saylor Academy (2012) under a Creative Commons Attribution-NonCommercial-ShareAlike 3.0 License without attribution as requested by the work’s original creator or licensee and is available here: http://www.saylor.org/site/textbooks/.

The purpose of the Financial Empowerment adaptation is to take an accessible, student-focused, personal finance textbook from the United States and make it affordable and relevant for Indigenous and non-Indigenous people in Canada. While many mainstream Canadian personal finance texts provide excellent content in terms of the mechanics of personal finance, they are expensive and not always relevant to the values and experiences of students in the classroom. Many mainstream personal finance texts fall short for Indigenous Canadians and non-Indigenous Canadians alike because they do not speak to the varied backgrounds, knowledge systems, and experiences of their readers. This textbook was adapted in order to motivate a broad range of students to learn about personal finance.

The specific goals of this textbook are: to help students build a solid understanding of personal finance in order to achieve financial literacy and financial success by providing them with the skills and knowledge necessary to navigate short and long-term financial change; to tailor the content for a Canadian audience by providing Indigenous and non-Indigenous perspectives on personal finance and financial planning using examples and information from the Canadian financial system and economy; to increase accessibility to financial education resources for students and general public alike regardless of where they live or study; to customize the content for Indigenous students in Canada and address student needs for practical and theoretical knowledge on financial decision-making and financial risk assessment; and to connect financial literacy with Indigenous Knowledge and history by threading Indigenous perspectives and interviews with Elders and other community leaders throughout the textbook.

Word Count: 143696

ISBN: 9780889775497

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Short Description:
This open online course introduces participants to the financial risks and impacts associated with climate change.

Long Description:
This four-week course introduces participants to the financial risks and impacts associated with climate change. Participants will explore a range of risk pathways that link climate and economic systems, including:

• physical risks related to direct exposure to climate hazards in the value chain; • transition risks arising from abrupt transitions to a low-carbon economy; • systemic risks transmitted throughout the economy; • extreme risks arising from the complex dynamic nature of climate-economy systems.

Topics will be explored through the use of case study examples, group-based analysis and problem solving. The learning is supported by readings, videos and live, interactive online sessions. Participants are encouraged to share their own knowledge and expertise in group-based discussion forums. Upon completion of the course, participants will have a foundational understanding of the relationship between climate change and the economy. Participants will develop their ability to identify climate-related financial risks within their own organizations—critical groundwork for effective planning and decision-making for mitigation and adaptation.

As an introductory course, this course is suited to those with limited previous experience in climate-related finance or economics. However, a basic understanding of climate science is presumed.

This course is part of the Adaptation Learning Network led by the Resilience by Design Lab at Royal Roads University. The project is supported by the Climate Action Secretariat of the BC Ministry of Environment & Climate Change Strategy and Natural Resources Canada through its Building Regional Adaptation Capacity and Expertise (BRACE) program. The BRACE program works with Canadian provinces to support training activities that help build skills and expertise on climate adaptation and resilience.

Word Count: 9867

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Long Description:
Many accountants, trainees and accounting students worry about accounting for financial instruments. They hear numerous complex sounding discussions about the topic and the topic can become quite daunting. Financial Instrument Accounting for Beginners removes this complexity and will have you on top of the basics of accounting for financial instruments in no time.

The award winning author team draw on years of experience of successfully introducing students to financial instrument accounting, in combining all the facts and examples you need to begin understanding this complex topic. Their video explanations enhance your reading and supports you in building your knowledge and confidence in accounting for financial instruments. Finally, test how much your knowledge and confidence of the topic has grown with the included questions and solutions.

Word Count: 16527

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Financial Statements & Present Value Models

Short Description:
This book is for those whose financial management focus is on small businesses. For you, we adapt the traditional financial management themes emphasized in corporate financial management courses to meet the needs of small businesses.

Long Description:
This book is for those whose financial management focus is on small businesses. For you, we adapt the traditional financial management themes emphasized in corporate financial management courses to meet the needs of small businesses.

Many financial managers of small businesses come from farms or agribusinesses. Others are interested in working for or starting businesses in the food or retail sectors. In most cases, these businesses aren’t organized as C-corporations impacting things like taxes, depreciation, and legal requirements around compiling and reporting financial data. They are rarely publicly traded which creates unique constraints to raising debt and equity capital and calculating required risk-adjusted returns.

These financial managers are interested in solving specific problems they face in family or small businesses. They want to know how to apply the tools they are learning—coordinated financial statement analysis, present value analysis, management of cash flow, measuring their opportunity costs, etc.—to the problems they face at home. As we started to work on the actual problems faced by these managers, it quickly became clear that corporate finance tools don’t exactly fit the small businesses they come from. Further, in attempting to tackle the problems they bring, we learned that finding and/or constructing the data needed for financial management is another skill set often overlooked and in need of development. In the end, after investing a lot of time, we found that—without adaptation—corporate finance theory as traditionally taught doesn’t meet the knowledge needs and application skills of financial managers of small businesses. We wrote this book to be a catalyst that enables students and managers of small businesses to learn the tools and skill sets that will help them make sound financial management decisions.

Word Count: 163818

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Financial Statements & Present Value Models

Short Description:
This book is for those whose financial management focus is on small businesses. For you, we adapt the traditional financial management themes emphasized in corporate financial management courses to meet the needs of small businesses.

Long Description:
This book is for those whose financial management focus is on small businesses. For you, we adapt the traditional financial management themes emphasized in corporate financial management courses to meet the needs of small businesses.

Many financial managers of small businesses come from farms or agribusinesses. Others are interested in working for or starting businesses in the food or retail sectors. In most cases, these businesses aren’t organized as C-corporations impacting things like taxes, depreciation, and legal requirements around compiling and reporting financial data. They are rarely publicly traded which creates unique constraints to raising debt and equity capital and calculating required risk-adjusted returns.

These financial managers are interested in solving specific problems they face in family or small businesses. They want to know how to apply the tools they are learning—coordinated financial statement analysis, present value analysis, management of cash flow, measuring their opportunity costs, etc.—to the problems they face at home. As we started to work on the actual problems faced by these managers, it quickly became clear that corporate finance tools don’t exactly fit the small businesses they come from. Further, in attempting to tackle the problems they bring, we learned that finding and/or constructing the data needed for financial management is another skill set often overlooked and in need of development. In the end, after investing a lot of time, we found that—without adaptation—corporate finance theory as traditionally taught doesn’t meet the knowledge needs and application skills of financial managers of small businesses. We wrote this book to be a catalyst that enables students and managers of small businesses to learn the tools and skill sets that will help them make sound financial management decisions.

Word Count: 179566

ISBN: 978-1-62610-114-2

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Short Description:
Financial Math provides an introduction to a variety of business math topics including: compound interest, annuities, payment schedules, mortgages, bonds and investment decisions. Additional resources, examples and activities are also provided.

Long Description:
Financial Math provides an introduction to a variety of business math topics including: compound interest, annuities, payment schedules, mortgages, bonds and investment decisions. Additional resources, examples and activities are also provided.

Word Count: 96115

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Short Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know.

Long Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know. It starts “at the beginning” and assumes no prior knowledge or experience in financial management. Throughout the text, Kioko and Marlowe emphasize how financial information can and should inform every aspect of public sector strategy, from routine procurement decisions to budget preparation to program design to major new policy initiatives. They draw upon dozens of real-world examples, cases, and applied problems to bring that relationship between information and strategy to life. Unlike other public financial management texts, the authors also integrate foundational principles across the government, non-profit, and “hybrid/for-benefit” sectors. Coverage includes basic principles of accounting and financial reporting, preparing and analyzing financial statements, cost analysis, and the process and politics of budget preparation. The text also includes several large case studies appropriate for class discussion and/or graded assignments.

Word Count: 83676

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Short Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know. Financial Strategy for Public Managers has been peer-reviewed by 8 subject experts at 8 institutions. Here is its Accessibility Assessment. If you have any feedback about this book, or want to know more about how it came about, you can visit the project homepage. Please let us know if you are interested in adopting this book.

Long Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know. It starts “at the beginning” and assumes no prior knowledge or experience in financial management. Throughout the text, Kioko and Marlowe emphasize how financial information can and should inform every aspect of public sector strategy, from routine procurement decisions to budget preparation to program design to major new policy initiatives. They draw upon dozens of real-world examples, cases, and applied problems to bring that relationship between information and strategy to life. Unlike other public financial management texts, the authors also integrate foundational principles across the government, non-profit, and “hybrid/for-benefit” sectors. Coverage includes basic principles of accounting and financial reporting, preparing and analyzing financial statements, cost analysis, and the process and politics of budget preparation. The text also includes several large case studies appropriate for class discussion and/or graded assignments.

Word Count: 92882

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Short Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know. Financial Strategy for Public Managers has been peer-reviewed by 8 subject experts at 8 institutions. Here is its Accessibility Assessment. If you have any feedback about this book, or want to know more about how it came about, you can visit the project homepage. Please let us know if you are interested in adopting this book.

Long Description:
Financial Strategy for Public Managers is a new generation textbook for financial management in the public sector. It offers a thorough, applied, and concise introduction to the essential financial concepts and analytical tools that today’s effective public servants need to know. It starts “at the beginning” and assumes no prior knowledge or experience in financial management. Throughout the text, Kioko and Marlowe emphasize how financial information can and should inform every aspect of public sector strategy, from routine procurement decisions to budget preparation to program design to major new policy initiatives. They draw upon dozens of real-world examples, cases, and applied problems to bring that relationship between information and strategy to life. Unlike other public financial management texts, the authors also integrate foundational principles across the government, non-profit, and “hybrid/for-benefit” sectors. Coverage includes basic principles of accounting and financial reporting, preparing and analyzing financial statements, cost analysis, and the process and politics of budget preparation. The text also includes several large case studies appropriate for class discussion and/or graded assignments.

Word Count: 82766

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Word Count: 199565

Included H5P activities: 10

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Long Description:
Finding Academic Success in FAHSS is created for students attending the University of Windsor in the Faculty of Arts, Humanities and Social Sciences (FAHSS) to learn the skills necessary to be successful in school. In this book, you will explore four chapters, each focusing on a particular area of student development.

Word Count: 2921

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Collaborative Workflows for Risk Management in Sharing Cultural Heritage Collections Online

Short Description:
Digitizing rare and unique historical documents so they can be shared online is mission-critical work for most cultural heritage institutions, but it can be difficult to complete this work, especially intellectual property rights management, at a scale that matches user demand. The authors of this open educational resource offer guidance for creating scalable, cross-functional workflows using a risk-management approach that increases efficiency and distributes responsibility for rights assessment work more equitably across stakeholders. It includes advice for navigating knowledge gaps, building an engaged team with the right skillsets, reimagining workflows, and rethinking traditional archival processing workflows to build capacity for rights analysis during arrangement and description. Each chapter includes a helpful exercise for implementing this guidance in your own institution.

Word Count: 28621

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Short Description:
This series of information literacy modules will help post-secondary students in the health sciences (especially Nursing) find and use reliable information for class assignments. It covers the essential steps from developing a topic to searching databases to evaluating resources to writing an academic paper and citing sources in APA style.

Long Description:
This series of information literacy modules will help post-secondary students in the health sciences (especially Nursing) find and use reliable information for class assignments. It covers the essential steps from developing a topic to searching databases to evaluating resources to writing an academic paper and citing sources in APA style. Created collaboratively by library staff at 13 colleges (and one college-like institution) in Ontario, Canada, these modules should be relevant to students in college and university health sciences programs around the world. They have been designed to be appropriate for first-year students with no background in research, while also including more advanced techniques that will benefit experienced searchers.

Word Count: 16398

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Short Description:
The purpose of this guide is to give students clear and helpful information on finding and using images for their schoolwork and other creative projects.

Long Description:
The purpose of this guide is to give students clear and helpful information on finding and using images for their schoolwork and other creative projects. The first part of the guide goes over the basics of why some images are free to use and some are not. The second part shows where and how to find images to use. And the third part tells about some best practices for using images, including giving credit to creators. Cover image by Yeh Xintong via Unsplash.

Word Count: 7926

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Book 3 "It's A Miracle We Survived This Far"

Short Description:
First: Hold on to your sanity. I only ask you read, think, read, then think again. Connect the dots, if you will. Murdered for beliefs? Absolutely—and ongoing. Read on if you have the stomach for torture described in this edition but it may be too much for some readers.We are not supposed to know the real history.

Long Description:
“I don’t know about you but I have plenty of paperback and hard covers,” says Trace Hentz, author of the book series “It’s A Miracle We Survived This Far.”

Her new book FINDING THE INVISIBLES is published in blog posts (and available as a pdf or epub.) https://www.findingtheinvisibles.com

“I am a researcher and historian, not an academic. I read more than I will ever write. I found something so remarkable and terrifying, it all came together in this new book.

“It was not what I had planned for my life but now I see it was a bigger plan to make this book and research part of my book series. I am as shocked as anyone. No, it’s not going to be on Amazon, who rejected (and blocked) an early draft. No, it’s not the normal way to publish a book but I am not normal,” Hentz said.

Hentz is the founder and publisher of BLUE HAND BOOKS (2011-2022) which publishes Native American writers and storytellers. Their website: www.bluehandbooks.org

“With the chaos of too many books and the expense of buying books, I reject and defy what is expected for any new book,” Hentz said. “If it’s good, it will travel. People who are meant to read it will.”

Hentz is the author or “Mental Midgets/Musqonichte” (2019) and “What Just Happened” (2021) in the It’s A Miracle… book series, for sale as paperbacks and ebooks with online booksellers. Her first book series “Lost Children of the Indian Adoption Projects” is also available online and at bookstores.

“What I found is so shocking, it needs to be formatted for easy reading, so the reader can digest and think, over a period of time.” “Yes, this is a departure from traditional publishing formats, and I think many others will do this, eventually. A website can be accessed easily by phone or computer. Each chapter can be read at your leisure, which is the whole point,” Hentz said.

For More Information: bluehandbooks@outlook.com

Word Count: 50300

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Definitions, explanations, links

Long Description:
Finger-Tip Facts for School Psychologists: Definitions, Explanations, Links is a resource for both school psychology graduate students and current practitioners. Its 400 entries, spanning diverse school psychology-related topics, represents a handy tool. It is designed for efficiency, with numerous important terms listed, some backed by concise explanations, and many supported by internet links selected for their relevance to school psychologists.

Word Count: 44306

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Fingerspelling: A Mindful Approach will show us how to build a foundation of mindfulness and then ways of consciously and intentionally building our fingerspelling skills for the improvement of our ASL communication. Perhaps you are a professional ASL Interpreter, a student who simply loves ASL or any person, hearing or Deaf, who has within them the intuitive desire to communicate effectively. In the following pages we will tap into our innate desire and answer the question—how do we take a nuance of language, like fingerspelling, and with gentle persistent attention, strive toward clarity and understanding?

This book covers in depth all topics required for a standard first aid course, and also includes a section on advanced topics. The basics covered include: Primary assessment and cardiopulmonary resuscitation (CPR); Legal aspects of first aid, including negligence and consent; Circulatory emergencies, such as bleeding, heart attack and stroke; Respiratory emergencies, such as asthma and anaphylactic shock; Internal injuries, such as broken bones, chest injuries, and internal bleeding; Burns, seizures and other medical conditions.

First aid is the provision of immediate care to a victim with an injury of illness, usually effected by a lay person, and performed within a limited skill range. First aid is normally performed until the injury or illness is satisfactorily dealt with (such as in the case of small cuts, minor bruises, and blisters) or until the next level of care, such as an ambulance or doctor, arrives. This book is a Canadian version of the original at Wikibooks. All references to protocols which do not comply with resuscitation standards in Canada have been removed.