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L'impôt

S1 (extra) E5
·
2019

NIP explains income tax, but also sales tax and property tax... which gives you access to all kinds of services offered by the state!

Levels:
Secondary Elementary Grade 4 Grade 6 Grade 5
Subjects:
Mathematics Financial Literacy
Skills:
Critical Thinking Global Citizenship and Sustainability Self-Directed Learning
French level:
B1: Threshold Independent User (B1 - B2) B2: Vantage
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E1 : Histoire de l'argent

3min
NIP meets his new financial advisor: Ruby Cashon! As an initiation, she tells him about the invention of money.
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E2 : Mes premiers revenus

3min
NIP is offered to do a few tasks for his entourage in exchange for a small income adapted to his odd jobs.
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E3 : L'épargne

3min
NIP learns about the merits and benefits of saving money from her financial advisor, Ruby Cashon.
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E4 : Dette étudiante

3min
NIP understands that there are many ways to finance your university education, including government assistance.
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E5 : L'impôt

3min
NIP explains income tax, but also sales tax and property tax... which gives you access to all kinds of services offered by the state!
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E6 : Le pourboire

3min
NIP offers his first tip! Ruby explains that it is appropriate to give money as a thank you for good service!
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E7 : Les marques de luxe

3min
NIP tries to understand why the logos on some clothes are so expensive and considered luxury!
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E8 : Les premiers investissements

3min
NIP discovers that it is possible to entrust your money to a company or a bank to increase its value.
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E9 : Les programmes de fidélité

3min
NIP understands that buying from the same place often can earn freebies via a loyalty card.
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E10 : Ouvrir un compte chèque

2min34s
NIP is told that it is better to open a bank account than to hide his money under a rock at the bottom of the lake!
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E11 : L'achat local

3min
NIP learns about the good aspects of buying local: good for the environment, good for employees and often better quality products!
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E12 : Le rôle des banques

3min
NIP notes that banks have three main functions: accepting deposits, lending money and transferring funds.
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E13 : Faire un budget

3min
NIP is making its first budget using 'income' and 'expenses' columns. Ruby is very proud of it!
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E14 : La surconsommation

3min
NIP understands that if all countries consumed at the same rate as Canada, it would take us five planets to supply all the products!
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E15 : Le contrat

3min
NIP is told that an agreement made between two or more people is called a contract!
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E16 : Pourquoi l'argent est tabou?

3min
NIP is surprised that one in four Canadians is really uncomfortable talking about money. But he's happy to note that his generation is going to break that taboo!
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E17 : Le salaire minimum

3min
NIP discovers that the Tooth Fairy is paying him unfairly for work done when Ruby explains the existence of minimum wage!
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E18 : Le taux de change

3min
NIP realizes that every country has its own money... what is called a country's 'currency'.
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E20 : Les taux d'intérêt

3min
NIP wonders about getting a new cell phone via a credit card that will require him to pay 19% interest on his purchase!
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E21 : Travailler à temps partiel

3min
NIP wonders why he would want to work part-time...which is about 20 hours a week.
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E22 : Travailleur autonome ou employé

3min
NIP differentiates between being self-employed (working for yourself) and employed (working for someone else).
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E23 : Acheter une voiture

3min
NIP is surprised to find out that people spend more annually on their cars than on food.
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E24 : Acheter une maison

3min
NIP learns that housing is the biggest expense for Canadian families.
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E25 : Le CELI

3min
NIP asks Ruby to explain what a TFSA is. What is this alternative way to save money?
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E26 : Les retenues à la source

3min
NIP reçoit sa première paye et se demande pourquoi son employeur lui enlève une partie de son salaire.
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E27 : La faillite

3min
NIP understands that it is possible to cancel debts through bankruptcy when repayment becomes increasingly difficult to meet.
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E28 : La cote de crédit

3min
NIP is surprised to know that there is a kind of report card that notifies personal finances! It's called a credit score.
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E29 : La monnaie virtuelle

3min
NIP gets the lowdown on cryptocurrency. It may sound enticing, but it's easy to lose money very quickly!
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E31 : Les taxes à la consommation

3min
PIN is trying to understand why they have to pay a certain amount of money - a tax - on a good or service they buy!
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E32 : Démarrer sa petite entreprise

3min
NIP asks Ruby for advice on different ways to start her first business.
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E33 : Combien doit-on épargner ?

3min
NIP tries to discipline himself not to spend money unnecessarily. This is a challenge for him.
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E34 : Comment rembourser ses dettes ?

3min
NIP needs Ruby's help. She needs to give him tips on how to pay off his debt as quickly as possible!
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E35 : Le rapport qualité-prix

3min
NIP meets Ruby at the store. She explains that the relationship between the quality of a product and its price... it's the value for money! You always have to find the best balance between the two.
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E36 : Recevoir de l'argent en cadeau

3min
PIN asks her financial advisor Ruby about receiving money as a gift.
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E37 : La retraite

3min
NIP learns that when he retires, around his 65th birthday, he will receive a sum of money in the form of a 'pension'!
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E38 : La richesse

3min
NIP chats with his friend Ruby about what the word 'wealth' means to him. Is being wealthy about owning a house and a car or being rich in love and friends?
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E40 : L'offre et la demande

3min
NIP opens a 'juice' type booth and has the principles of supply and demand explained to them. It's a success story for NIP!
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E41 : Les modes de paiement

3min
PIN is surprised to find that there are many different ways to pay for its purchases: cash, debit card, credit card and even with its smart watch!
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E42 : Les frais bancaires

3min
NIP thinks the bank is stealing money from him! But Ruby explains to him that these are the fees the bank charges for using their services.
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E43 : Les profits et les pertes

3min
NIP invents a new drink product. Ruby takes the opportunity to explain the concepts of profit and loss to him. And NIP finds a new investor!
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E44 : Acheter usagé

3min
NIP wonders if there is a lot of money to be made in the used clothing market. And what used products can also be sold?
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E45 : Un besoin ou un désir ?

3min
NIP wants to understand the difference between what is essential and what is not... In other words, what he really needs versus what he can very well do without!
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E46 : L'économie sociale

3min
NIP has had a keen interest in social economy companies ever since Ruby told him that these types of businesses are taking concrete action to improve the world we live in.
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E47 : La publicité

3min
NIP asks Ruby to explain why advertising influences him so much. And why advertising makes him dream so much?
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E48 : La simplicité volontaire

3min
NIP takes advantage of Ruby's help to assimilate the concept of 'voluntary simplicity' which is easily summarized: love the people and use the objects... never the opposite!
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E49 : Les habitudes de consommation

3min
NIP has the 'inflatable neighbor' theory explained. Being aware of the many solicitations around NIP can influence its consumption habits to its advantage.
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E50 : La littératie financière

3min
NIP welcomes her friend Ruby's departure for Portugal. She is proud of the young PIN who has learned his lessons well. Now he can make good, responsible financial decisions!
Levels:
Secondary Elementary Grade 4 Grade 6 Grade 5
Subjects:
Mathematics Financial Literacy
Skills:
Critical Thinking Global Citizenship and Sustainability Self-Directed Learning
French level:
B1: Threshold Independent User (B1 - B2) B2: Vantage