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TPE 3: Understanding and Organizing Subject Matter for Student Learning Elements: Mild to Moderate Support Candidates will: U3.1 Demonstrate knowledge of subject matter, including the adopted California State Standards and curriculum frameworks. U3.2 Use knowledge about students and learning goals to organize the curriculum to facilitate student understanding of subject matter and make accommodations and/or modifications as needed to promote student access to the curriculum. U3.3 Plan, design, implement, and monitor instruction consistent with current subjectspecific pedagogy in the content area(s) of instruction, and design and implement disciplinary and cross-disciplinary learning sequences, including integrating the visual and performing arts as applicable to the discipline.1 U3.4 Individually and through consultation and collaboration with other educators and members of the larger school community, plan for effective subject matter instruction and use multiple means of representing, expressing, and engaging students to demonstrate their knowledge. U3.5 Adapt subject matter curriculum, organization, and planning to support the acquisition and use of academic language within learning activities to promote the subject matter knowledge of all students, including the full range of English learners, Standard English learners, students with disabilities, and students with other learning needs in the least restrictive environment. U3.6 Use and adapt resources, standards-aligned instructional materials, and a range of technology, including assistive technology, to facilitate students' equitable access to the curriculum. U3.7 Model and develop digital literacy by using technology to engage students and support their learning, and promote digital citizenship, including respecting copyright law, understanding fair use guidelines and the use of Creative Commons license, and maintaining Internet security. U.3.8 Demonstrate knowledge of effective teaching strategies aligned with the internationally recognized educational technology standards. MM3.1 Effectively adapt, modify, accommodate, and/or differentiate the instruction of students with identified disabilities in order to facilitate access to the Least Restrictive Environment (LRE). MM3.2 Demonstrate knowledge of disabilities and their effects on learning, skills development, social-emotional development, mental health, and behavior, and how to access and use related services and additional supports to organize and support effective instruction. MM3.3 Demonstrate knowledge of atypical development associated with various disabilities and risk conditions (e.g. orthopedic impairment, autism spectrum disorders, cerebral palsy), as well as resilience and protective factors (e.g. attachment, temperament), and their implications for learning.

5.1 Personal data Personal data is any data that relates to you and your identity. This includes data such as: •Name •Address •Telephone number •Email address •Bank details •Medical records •Salary •Political opinions You should be very careful about revealing any of your personal data! By revealing personal data to another, especially online, you are exposing yourself to dangers such as identity theft, fraud, bullying and blackmail. These types of dangers can be issues that arise as a result of revealing more personal thoughts and feelings to those that can use them against you. It is a more sinister viewpoint to take, but the moment you reveal any personal data to another, you are providing them with the potential to harm you or your identity. This isn't to say you should never speak to another, especially those unknown online, just understand how to recognise a danger and how to keep your identity secure. To keep yourself safe in your daily life, you are likely to have been taught to take measures such as locking doors, not talking to strangers and not venturing into unsafe areas. However, when many people go online, they relax their safety measures, perhaps because they are in the comfort of their own home, so do not think anything negative will happen. Many people that use the internet are genuine, but knowing how to detect the few that aren't is important. There are several guidelines for you to be aware of to keep your personal data confidential: •Have strong passwords set on any account that holds personal data. Stronger passwords include characters, numbers and symbols and are not a recognisable word. •Encrypt (scramble text so that it cannot be read without a decryption key) any personal data that you store on your computer. •Have a firewall present, scanning incoming and outgoing data from your computer system. •Regularly scan your computer with preventative software, such as an anti-virus package, that is used to identify a virus on a computer and remove it. •Make use of any biometric devices (devices that measures a person's biological data, such as thumbprints), that are built into technology. •Only visit and provide data to websites that are a trusted source. •Do not open any email attachments from a sender you do not recognise. •Check the URL attached to any link requesting data to see if it is genuine. •Be cautious about any pictures or opinions that you post or send to people. •Remove data about your location that is normally attached to your photos and videos that you may post, such as geotags. •Do not become friends on social networking sites with people you do not know. •Set all the privacy controls to the most secure setting that are available on social media accounts. •Report and block any suspicious user. •Use a nickname or pseudonym when using the internet for entertainment, for example, playing games. •If it is possible, use a virtual private network (VPN), an encrypted connection that can be used to send data more securely across a network. The ways in which some of these guidelines can be used in more detail will be explored throughout this chapter.

Owls, such as the young snowy owls on the previous page, have for centuries been symbols of both wisdom and mystery. To many cultures their piercing eyes have conveyed a look of intelligence. Their silent flight through darkened landscapes in search of prey has projected an air of power or wonder. For this chapter and this book, owls are an engaging example of a living organism from the world of biology—the study of life. BIOLOGY AND YOU Living in a small town, in the country, or at the edge of the suburbs, one may be lucky enough to hear an owl's hooting. This experience can lead to questions about where the bird lives, what it hunts, and how it finds its prey on dark, moonless nights. Biology, or the study of life, offers an organized and scientific framework for posing and answering such questions about the natural world. Biologists study questions about how living things work, how they interact with the environment, and how they change over time. Biologists study many different kinds of living things ranging from tiny organisms, such as bacteria, to very large organisms, such as elephants. Each day, biologists investigate subjects that affect you and the way you live. For example, biologists determine which foods are healthy. As shown in Figure 1-1, everyone is affected by this impor- tant topic. Biologists also study how much a person should exer- cise and how one can avoid getting sick. Biologists also study what your air, land, and food supply will be like in the near future. SECTION 1 OBJECTIVES ● Relate the relevance of biology to a person’s daily life. ● Describe the importance of biology in human society. ● List the characteristics of living things. ● Summarize the hierarchy of organization within complex multicellular organisms. ● Distinguish between homeostasis and metabolism and between growth, development, and reproduction. VOCABULARY biology organization cell unicellular multicellular organ tissue organelle biological molecule homeostasis metabolism cell division development reproduction gene Copyright © by Holt, Rinehart and Winston. All rights reserved. Biology, the study of life, directly applies to your health, life, and future in ways as simple as daily food choices. FIGURE 1-1 6 CHAPTER 1 Biology and Society By studying biology you can make informed decisions on issues that impact you and our society. Every day newspapers, television, and the Internet contain issues that relate to biology. For example, you may read that your local water or air supply is polluted. How will that pollution affect your health and the health of other living things? You may hear about new technologies or tools that biolo- gists have invented. How will we control how those technologies and tools are used? Biologists actively work to solve these and other real-world issues and problems, including improving our food supply, curing diseases and preserving our environment.

Think before you act online Sometimes what we post on our favourite social networks have consequences we didn't expect. One weekend, 20-year-old James Miller posted on his Facebook page that his job was soooo boring. When he got to work on Monday his boss told him to clear his desk and get out. He gave him a letter, too. It said: 'After reading your comments on Facebook about our company, we understand you are not happy with your work. We think it is better for you to look for something that you will find more interesting." A few years ago, a girl's birthday party turned into a nightmare. Fifteen-year-old Cathy posted an invitation to her birthday party online. She posted her address, too. When her parents got back from the cinema that evening, they couldn't believe their eyes. There were 500 people at the party, and some of them were smashing windows, breaking potted plants and making a total mess of the house. Most teens think they know everything about social media, and that things like this could never happen to them. A study shows that last year alone, more than three million young people worldwide got into trouble because of their online activities. Here are some important tips. None of them can guarantee 100% Internet security, but all of them will help you to be safer online. RULE 1: Share with care! Not everyone will like what you write on Facebook or Twitter. Think before you post something. You can never completely control who sees your profile, your texts, your pictures, or your videos. Before clicking 'post', everyone should ask themselves two questions: 'How will I feel if my family or teachers see this?' and 'How might this post be bad for me in three, five or ten years from now?" RULE 2: Be polite when you write! Imagine someone is unfriendly in real life. You don't like it, right? Well, the same is true of online communication. Politeness matters, and anyone can be polite. No one likes it when you 'shout' in your messages. DON'T USE ALL CAPITALS!!!!!!!! If you feel angry or frustrated while you're writing a message, wait a bit. Read it again later and then send it. RULE 3: Protect and respect! Don't share your passwords with anyone. Don't post your home or email address online. Beware of 'cyberbullying' - don't forward rumours about other people, and don't say negative things about them. If you get messages like that or see them online, talk to an adult you know.

1. Which factor is most crucial to verify first when selecting an ICT resource for instruction? A) Content alignment with the textbook B) Alignment with learning objectives C) The resource's popularity among peers D) Cost-effectiveness of the resource 2. When evaluating ICT resources, what is the purpose of checking cultural relevance? A) Ensuring it aligns with current trends B) Making sure it's accessible to all students C) Reflecting the diverse backgrounds of students D) Avoiding resources that are too complex 3. Which key aspect determines the accessibility of an ICT resource? A) How popular the resource is with students B) Its compatibility with existing technology C) Cost of using the resource D) Engagement levels it provides 4. In assessing content quality, why is accuracy important? A) To make resources easier to use B) To ensure alignment with curriculum standards C) To enhance visual appeal D) To provide a more engaging experience 5. Why is it essential for an ICT resource to offer interactivity? A) To improve download speeds B) To promote active learning and engagement C) To meet all technical requirements D) To minimize costs associated with the resource 6. What should be assessed regarding the usability of an ICT resource? A) How much it costs compared to other resources B) How easily students can navigate and use it C) How interactive it is D) Its level of engagement 7. Which of the following best describes the importance of feedback mechanisms in ICT resources? A) They reduce the need for grading B) They allow for automatic updates C) They provide immediate feedback to enhance learning D) They increase the cost-effectiveness of the resource 8. What is an advantage of resources that are scalable and flexible? A) They can adapt to different class sizes or teaching methods B) They are often free C) They do not require technical support D) They are easier to assess 9. Which tool would you use to gain structured feedback from students about an ICT resource? A) Rubrics B) Peer reviews C) Online review platforms D) Student feedback 10. When is a checklist most beneficial in evaluating an ICT resource? A) To provide structured guidelines for scoring B) For highlighting key features and requirements C) To measure student engagement D) To analyze technical support needs 11. Which of these tools helps teachers gather insights from colleagues on a resource's effectiveness? A) Online review platforms B) Student feedback C) Peer review D) Rubrics 12. In the planning stage, how can ICT benefit lesson development? A) By providing only audio resources B) By assisting in research for updated content C) By reducing the need for lesson objectives D) By limiting content access 13. During content delivery, how does ICT enhance the lesson experience? A) By allowing remote control of student devices B) By adding interactivity and visual elements C) By only focusing on text-based resources D) By limiting engagement 14. What is a key advantage of using ICT-based assessment tools? A) Reducing the need for reflection B) Tracking student progress and providing feedback C) Replacing lesson objectives D) Focusing solely on multiple-choice questions 15. Which ICT feature is most beneficial in the reflection stage of a lesson? A) Technical support options B) Feedback mechanisms for immediate assessment C) Tools for students to document learning, like online portfolios D) Interactive quizzes 16. How does ICT aid in skill development? A) By encouraging only memorization B) By fostering digital literacy and critical thinking C) By minimizing interactions with the teacher D) By restricting content variety 17. What does a cost-effective ICT resource entail? A) Being free of charge for all students B) Offering a good balance of educational value and cost C) Having the most features available D) Minimizing interactivity to reduce expenses 18. Why is teacher training crucial in ICT integration? A) To learn troubleshooting for technical issues B) To help only in the planning stage C) To reduce the need for ICT support D) To assess the cultural relevance of ICT tools 19. What challenge might schools face in accessing ICT resources? A) Lack of teacher motivation B) Availability of devices and internet connectivity C) High levels of student engagement D) Excessive interactivity 20. Why should teachers regularly evaluate the ICT resources they use? A) To determine if students enjoy using them B) To assess cost-effectiveness only C) To ensure resources remain effective and up-to-date D) To simplify lesson planning

Understanding the Features of Finance: A Guide for Newbies Finance is a broad field that involves managing money, including activities such as investing, borrowing, lending, budgeting, saving, and forecasting. As a beginner, understanding the basic features of finance is crucial. This guide will relate these features to blockchain technology, cryptocurrency, and decentralized finance (DeFi). 1. Basic Financial Concepts Investing: Putting money into assets like stocks, bonds, or real estate with the expectation of earning a return. In the blockchain world, this translates to investing in cryptocurrencies like Bitcoin, Ethereum, or various DeFi projects. Borrowing and Lending: Traditional finance involves banks and financial institutions providing loans. In the DeFi space, platforms like Aave and Compound allow users to borrow and lend cryptocurrencies without intermediaries. Budgeting: Planning how to allocate your income to cover expenses, save, and invest. Using blockchain technology, you can utilize smart contracts to automate budgeting and savings processes. 2. Blockchain Technology Blockchain is a decentralized ledger that records transactions across multiple computers. It is the technology behind cryptocurrencies and has several key features: Transparency: All transactions are recorded on a public ledger, making them visible to anyone. Security: Cryptographic techniques ensure that data on the blockchain is secure and tamper-proof. Decentralization: No single entity controls the blockchain, reducing the risk of centralized control and failure. 3. Cryptocurrencies Cryptocurrencies are digital or virtual currencies that use cryptography for security. They operate on blockchain technology and offer several advantages: Lower Transaction Costs: Sending money across borders is cheaper with cryptocurrencies compared to traditional banking methods. Accessibility: Anyone with an internet connection can access cryptocurrencies, promoting financial inclusion. Ownership and Control: Users have complete control over their funds without relying on banks. 4. Decentralized Finance (DeFi) DeFi is a movement that uses blockchain technology to recreate and improve traditional financial systems in a decentralized manner. Key features of DeFi include: Smart Contracts: Self-executing contracts with the terms directly written into code, enabling trustless and automated transactions. Liquidity Pools: Users can provide their assets to a pool and earn interest or rewards, promoting liquidity in the DeFi ecosystem. Yield Farming: A strategy where users move their assets between different DeFi platforms to maximize returns. 5. Applications in DeFi and Blockchain HaloFi Save: A platform that leverages blockchain technology to help people save money efficiently and securely. It encourages users to save larger amounts for longer durations, offering higher interest rates compared to traditional banks. Non-Custodial Savings: Users have full control over their funds, reducing the risk of losing their money to institutional failures or fraud. Access to DeFi: Integrating with DeFi platforms like Moola Market, HaloFi Save provides additional opportunities to earn interest on savings, promoting financial growth and stability. Practical Example: A Farmer's Journey Imagine a farmer in a remote village in Africa. Traditionally, this farmer might not have access to banking services, making it difficult to save money, get loans, or invest in better farming equipment. With platforms like HaloFi Save, the farmer can: Save money securely and earn interest. Access microloans through DeFi platforms integrated with Celo. Participate in educational programs to learn more about blockchain and DeFi. Conclusion Blockchain technology, through platforms like HaloFi Save and initiatives by Celo Africa DAO, has the potential to drive significant social change by promoting financial inclusion, transparency, and access to resources. By empowering individuals and communities with the tools and knowledge to participate in the digital economy, blockchain can help address global issues and foster sustainable development.

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