ࡱ>  *bjbjT~T~ 4^66"####L#c& \c^c^c^c^c^c^cfIi.^c^csc\c\c|W]p=/їo# v`Y6Hcc0cYrwiwil]]wib^c^ccwi :  Barbara R. Angelicola-Manzolli, Lewis S. Mills High School, Burlington, CT Business Teacher, FBLA Advisor, Unified Coach, Co-Advisor Class of 2011  HYPERLINK "mailto:angelicolab@region10ct.org" angelicolab@region10ct.org The goal of our course is to engage students in learning a variety of personal finance topics. As consumers and citizens, they will obtain knowledge and understanding about money management principles, budgeting and planning, banks and banking, credit and bankruptcy, saving and investing, protecting assets/insurance and taxes as they relate to their own financial decisions. It is a happy talent to know how to play, the poet Ralph Waldo Emerson once wrote. Its even a happier talent for students to learn to manage their finances early in life. The Jump$tart Coalition developed the 12 principles below to focus students attention on learning the basics of personal financial literacy. They can get your financial life off to a playful and successful start! Money Doubles by the Rule of 72 Your credit past is your credit future Start saving young Stay insured Budget your money Dont borrow what you cant repay Map your financial future Dont expect something for nothing High returns equal high risks 10. Know your take home pay 11. Compare interest rates 12. Pay yourself first YOUR CREDIT PAST IS YOYOUR CREDIT PAST IS CREDIT UR CREDIT FUTURE Money tips for graduating high school seniors Associated Press  HYPERLINK "http://chronicle.augusta.com/archive/daily/20100514" Friday, May 14, 2010 CHICAGO  HYPERLINK "http://chronicle.augusta.com/archieve/daily/" http://chronicle.augusta.com/archieve/daily/ 1. Draw up a budget and stick to it. The word alone scares off many adults as well as teenagers, but a budget is the best way to ensure discipline with your finances. Start by estimating monthly expenditures for major categories such as school expenses, transportation, food, clothing and entertainment. "Don't worry that it's going to be like filling out your taxes," says Laura Levine, executive director of the nonprofit JumpStart Coalition for Personal Financial Literacy, based in Washington, D.C. "It can really be done on just a piece of paper." Keep tabs on spending on an Excel spreadsheet, or through a personal finance management site such as Mint.com, which can send you text messages alerting you of bills due, credit limits and bank fees. Or just jot it down in a small notebook. Compare your records with any bank and credit card statements to make sure they're correct. Keep the budget current. Find more budgeting tips and resources at FinAid.org or JumpStart.org 2. Use caution with credit. Credit card companies are no longer permitted to issue cards to applicants under age 21 without an adult co-signer or proof of adequate income. But even if you can get one, resist the temptation. You can get by for now on a debit card or a prepaid card that your parents can put money on and track. And with a credit card you risk starting bad habits that can sink your credit score, make it harder to borrow money for a home and cloud your financial situation for years. "If you can't pay for it with cash, you don't need it," says John Chladek, a certified financial planner in Overland Park, Kan. "Everyone makes the mistake of thinking they will just pay it off when they graduate and have a job, but the reality is that very rarely happens." 3. Be aware of costs and fees. Debit cards are a handy way to manage your money. Your parents can put money in the account periodically, and the cards function almost like credit cards, with less risk. But they have their pitfalls, too. You can incur penalty fees by overdrawing a debit card, just as with a checking account, so it's incumbent on you to keep track of your balance. Try to avoid fees for an ATM that's not part of your bank's network. And be sure to pay all your bills on time or you'll be slapped with late charges. If your parents co-signed for a credit card for you, read the fine print on the statement. Understand that not paying it off monthly can accrue significant interest and finance charges. Even a sale item might ultimately cost you much more than the full cost would have. 4. Start saving. It may not be feasible to immediately meet that 15 percent goal I preach to my graduating high schooler Scott. But even a college student with a part-time job can save a small fraction of his or her pay. It's called paying yourself first - a maxim that will serve you well if you follow it throughout life. Consider setting aside 10 percent of every check in a Roth Individual Retirement Account. The earnings will grow tax-free and the money can be used toward a first-time home purchase in the years ahead. 5. Guard against identity theft. Treat financial and other data as top-secret information - losing it can cost you money, time and long-term grief. Largely because of casual handling of such information, young people are the biggest targets among the estimated 10 million victims of identity theft in the U.S. each year. About 24 percent of consumers who filed identity-theft complaints in 2008 were in the 20-to-29 age group, according to the latest Federal Trade Commission data. Protect banking statements, PIN numbers and other sensitive data. Change passwords frequently. Don't carry your Social Security card - memorize the number. And never give out your Social Security, bank account or credit-card numbers unless you know who needs them and why. Just like happiness doesn't come from spending money, it sure won't come from letting someone siphon off your identity. WHO IS OUR AUDIENCE 11th and 12th graders, semester long class WHAT DO WE COVER Money Bringing it Home Budgeting Money In Money Out Banks & Banking Why/Which One Credit A Matter of Trust Saving & Investing Putting Money to Work Protecting Your Assets Insurances The Government Needs Income Too Taxes Unit Titles from Personal Finance Program NYC Dept of Ed Muriel Seibert Foundation WHAT DO WE USE Managing Your Personal Finances, Southwestern/Cengage, Joan S. Ryan, 2009 Personal Finance Program, NYC Dept. of Ed., Muriel F. Siebert Foundation Virtual Business Personal Finance, Software from Knowledge Matters The teens guide to the real world of money Chad Foster FREE MATERIALS Personal Finance Project Resource Book -  HYPERLINK "http://www.sde.ct.gov/" www.sde.ct.gov/ Connecticut Personal Finance Education -  HYPERLINK "http://www.ctfinancialed.com/" http://www.ctfinancialed.com/ National Endowment for Financial Education -  HYPERLINK "http://www.hsfpp.nefe.org" www.hsfpp.nefe.org Junior Achievement -  HYPERLINK "http://www.ja.org" www.ja.org Playbook for Life  HYPERLINK "http://www.playbook.thehartford.com/" www.playbook.thehartford.com Jump$tart Coalition for Personal Financial Literacy -  HYPERLINK "http://www.jumpstart.org/" http://www.jumpstart.org/ Internal Training Services -  HYPERLINK "http://www.finlitproject.com/" http://www.finlitproject.com/ Students Introduction to Insurance Your Personal Guide to Loans and Credit Your checking Account Use Credit Wisely -  HYPERLINK "https://www.citicards.com/cards/wv/html/cm/student/" https://www.citicards.com/cards/wv/html/cm/student/ Create a Budge Read a Credit Card Statement Read a Credit Report The Actuarial Foundation  HYPERLINK "http://www.actuarialfoundation.org" www.actuarialfoundation.org Building Your Future Series (PDF downloads) Book 1 Banking Book 2 Finances Book 3 Investing Me, Myself, My Money CD by CSCPA The Connecticut Society of CPAs  HYPERLINK "http://www.cscpa.org/memyselfmyoney" www.cscpa.org/memyselfmyoney - modules on: Credit Cards & your Credit Score Financial Planning Insurance Investments Managing Debt Money & Banking TAKING THE CHALLENGE - http://www.challenge.treas.gov/ What is the National Financial Capability Challenge? 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