It’s Okay—Don’t Pay for Business Education Resources

1. It’s Okay—Don’t Pay for Business Education Resources Presented by Donna Shepardson Shepardsondo@egcsd.org Columbia High School, East Greenbush, NY

2. http://hsfpp.nefe.org/home NEFE--National Endowment for Financial Education • Promotes financial literacy among our Nation’s youth. • Topics • financial planning • career exploration • budgeting • banking • saving and investments • credit • ID Theft • Insurance • Free workbooks and teacher resources (tests, lesson plans, worksheets, games, etc.) • Instructor’s manual and complete HSFPP (High School Financial Planning Program) Student Guide, at “Educational Programs” link on the homepage.,

3. www.practicalmoneyskills.com • Practical Money Skills • set long-and short-term financial goal • create and work with a personal budget • identify how and when to use credit • save and invest • understand the basics of banking services. • Free Teacher’s Guide • FREE CD-ROM, including overheads, lesson quizzes, videos, and student activities. • A second CD-ROM interactive game (Financial Football), quizzes, worksheets, and a loan and interest calculator.

4. www.moneyskill.org • FREE online course (Password Protected) • 34 "How To" Modules (40 Minutes Each) • income • money management • spending and credit • saving • Investing • Immediate feedback to teacher’s online electronic grade book. • We use this as a supplement for extra credit.

5. www.fefe.arizona.edu Take Charge of Your Finances • Teacher materials, lesson plans, power point presentations with over seventy lessons written by Family Economics & Family Education. • No cost registration, PDF files are all downloadable • $400 Hard Copy (worth the cost!)

6. www.jumpstart.org • A database of personal finance resources from government, business and non-profit organizations. • Once material of interest is found, it can be ordered directly from the source. Many of the materials are low cost or free of charge. By accessing the resources pull down menu one can find links to numerous financial websites. This site offers supporting documentation for the need of financial literacy.

7. www.jumpstart.orgResources • Money Math—Lessons for Life, Free at www.moneymathbpd.treas.gov 2. The Financial Literacy Project—Your local banks are able to sponsor the low cost projects. Info@finlitproject.com • Your Checking Account • Your Personal Guide to Loans and Credit • A Student’s Introduction to Insurance

8. www.mymoney.gov • MyMoney.gov is the U.S. Government's website dedicated to teaching all Americans the basics about financial education. • Budgeting, taxes, credit, financial planning, home ownership, paying for education, privacy, fraud and scams, responding to life events, retirement planning, saving and investing, and starting a small business. • A WEALTH of information with OUTSTANDING links from over 20 federal agencies. FREE information, pamphlets, videos, and other publications available through links provided on website.

9. www.360financialliteracy.org • By the American Institute of Certified Public Accounts (AICPA). Topics include budgeting, managing credit/debt, financial aid, saving for college, home buying, child care, choosing insurance, tax preparedness, and caring for aging parents. • Also includes starting, running, and selling a small business, life crisis, and retirement planning. Offers many tools, such as loan calculators, articles, and other helpful devices.

10. www.FDIC.gov Money Smart Curriculum Free on CD. Order the program at www.FDIC.gov Bank on It, Borrowing Basics, Check It Out, Money Matters, Keep It Safe, To Your Credit, Charge it Right, Loan To Own, Your Own Home

11. www.deluxe.com Scroll to the bottom of webpage and under “Customer Information” choose “About Checks.” Through the website one can download “Learning About Checking Accounts” PDF file. www.themint.gov Fun and games on money topics. www.econ4.u.org

12. The Stock Market Game • www.stockmarketgame.org • Register on-line • Play for free • Play against teams in your region. • Contact: Elizabeth Reidel, Regional Director • 860-308-2494 • Ereidel@sifma.org

13. www.labor.state.ny.us/ New York State Department of Labor • Information regarding wages, hours and average wage by occupation and industry. • www.bls.gov (Occupational Outlook Handbook) • Free publications available. • Your Winning Edge (resume/cover letter information. Pdf file or order the publication.

14. Legal Resources New York State Attorney General’s Office—Speakers, publications, Safeguarding Your Future video. (free today) • http://www.oag.state.ny.us Examples: Court Structure, Lemon Laws, ID Theft, Renting an Apartment, Credit

15. http://assembly.state.ny.us/req/Free pamphlets, call the phone number on the website and order in bulk. Sample of some titles below. Alcohol Purchase Law Auto Leasing Bill Becomes a Law Clean Air Act (Going to) College Consumer Rights Credit Cards Voter Registration Water Conservation Welcome to the State Assembly Workers Rights

16. Free career focus interest inventories, explore careers, and find career information including wages and salary. • www.nycareerzone.org • www.iccweb.com • www.careercruising.com • www.collegegrad.com • www.acinet.org • www.mappingyourfuture.org • www.iseek.org • www.online.onetcenter.org

17. Financial Certifications www.flc.treas.gov On-line, twice a year with rewards. Our student won a scholarship for $2,500. www.moneypower.org Paper and on-line test offered twice a year with rewards. WISE—Working in Support of Education--Financial Literacy Certification. Earn recognition as a Gold or Blue Star/Banner School.

18. More at www.capitaldistrictbmea.org • ID Theft information provided from the New York State Federal Credit Union. • Link to videos for the classroom use. • Link to public service announcements. • Additional websites for teaching financial literacy.

19. Excellent Resources • www.Bankrate.com (auto loan comparisons) • www.Auto Finder Guide.com—Free Booklet at Grocery Store • Renter’s Guide—Free Booklet at Grocery Store • www.nextSTEPmag.com (Career and College Information) • www.Brassmagazine.com (business magazine for youth with teacher resource center) • www.entreskills.org (entrepreneurship curriculum) • www.bplans.com • www.entrepreneur.com (entrepreneur magazine) • www.consumerjungle.org --Teens learn about buying a car, credit cards, and finance. PowerPoints, law cases on consumer topics) • www.bepublishing.com Free e-mail newsletter. Sign up on-line. Free posters for promoting your program. Ideas to teach business subjects.

20. Videos • www.vpw.com: Next Generation: Insuring Your Futureand Master Your Future free financial literacy videos available to instructors. • CNBC on TV: Shows on the stock market, and company profiles such as How I Made My Millions, McDonalds, Ebay, Entrepreneurs, and American Airlines. Usually Sunday evening air times. • Today Show, Good Morning America, 60 Minutes, 20/20, Oprah: Excellent current events on finance.

21. New York Credit Union Foundation http://www.nycuf.org/financial_education/index.php Additional resources for financial education!

22. TEXTBOOKS (not free) • Career and Financial Management(CFM),Glencoe.com, Introduction to Business 2008 Textbook, Student Workbook, PowerPoint Presentations, Test Bank, Posters • Financial Math Review, Workbook, Gerver & Sgroi, Thomson, South-Western, ISBN 0-538-44022-8

23. National Federation of Independent Business (NFIB) and the Youth Entrepreneur Foundation (YEF) http://game.johnnymoney.com/ On-line free business game!

24. www.FTC.org FEDERAL TRADE COMMISSION • http://bulkorder.ftc.gov/index.php Many free publications on Consumer protection. My favorite: Deter, Detect, Defend, Avoid ID Theft – Free DVD and publications. Raffle today!

25. Thanks for attending this session! • Email with any additional questions: Donna Shepardson Shepardsondo@egcsd.org