Surf Money Management Internet Materials: High School—Young Adults
Presenter: Judy Branch, UVM Extension
Dive into electronic resources that can interact with teens and young adults learning personal finance concepts. Sail through curriculum guides for teachers of money management.
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Saving, Spending & Sharing Internet Money Resources: K–8th Grade
Presenters: Judy Branch, UVM Extension
& Wendy Rea, Merchants Bank
Learn to locate curriculum and interactive resources on the Internet that
can engage pre-school through 8th graders in learning how to use money wisely.
If you are 18 or older, you are invited to register (until 9/14/08) for the drawing of the MP3 Player shown at the Champlain Valley Fair (CVF) University of Vermont Exhibit featuring Money Tips for Tough Times.
http://is-nri.com/take?i=136827&h=AnZC4FXpWQyhHChLHSDN6A
When you finish the survey, you will be invited to click into the registration form for the drawing for an iPod. Leaving the survey page site insures your confidential contact information will not be connected to your answers and your survey responses will be anonymous.
If you are younger than 18, teach a parent or another willing adult how to click into the Survey. Of course, teach someone who will give you the iPod if their entry wins!
Before completing the registration form, you may wish to explore the eXtension web pages. Go to http://www.extension.org and click on any of the resources in the list in the right column. For example, if you are interested in horses, cows, youth science, gardening, etc. you will find these categories and more. Click and explore as many as you wish.
The following are examples of the questions in the Instant Survey at
http://is-nri.com/take?i=136827&h=AnZC4FXpWQyhHChLHSDN6A
Was the Fair exhibit the first time you heard about eXtension resources on the Internet?
____Yes
____No
Of the following money tips featured at the Champlain Valley Fair Exhibit, you will be asked to check (a) every one that you are now using, (b) every one that you plan to use, (c) every one you will need more information to be able to use.
_____ Make a list of what you earn: Household earnings include net (after-tax) income, benefit payments (e.g., Social Security, unemployment, disability), child support or alimony, public assistance, self employment income, interest on savings and investments, and other income sources.
_____Using spending records as a guide, list fixed expenses such as housing, car loan payments, and insurance premiums.
_____Next, list flexible expenses such as food, transportation, and gifts.
_____Make a list of periodic expenses and divide the annual cost by 12 to arrive at a monthly cost. For example, $4,000 of annual property taxes costs $333 monthly. Be sure to set aside money for financial goals as a monthly “expense.”
_____If you lack an emergency fund of at least three months’ expenses, include a “line item” in your spending plan to gradually build up your cash reserves.
_____If you have access to “automated” savings plans, such as a 401(k), sign up today. Even a small amount of savings (e.g., $20 per paycheck) will grow substantially over time.
_____ Spending plans should balance the “bottom line.” In other words income should equal expenses, including savings. Work on one of three ways (a. increase income, b. reduce expenses, or c. do a little of both) to get monthly cash flow so that household expenses (including savings) are less than or equal to income. Expect to make several attempts to get the numbers to balance out. This is perfectly normal.
Check every one of the following categories of resources you explored at http://www.extension.org
_____Diversity Across Higher Education
_____Entrepreneurs & Their Communities
_____Gardens, Lawns & Landscapes
_____Geospatial Technology
_____Imported Fire Ants
_____Agrosecurity and Floods
_____Family Caregiving
_____Parenting
_____Personal Finance
_____Animal Manure Management
_____Beef Cattle
_____Cotton
_____Dairy
_____Horses
_____Pest Management
_____Wildlife Damage Management
_____Science, Engineering, and Technology for Youth
Check--My age range is:
_____below 18 (ask an adult to take the survey)
_____19 to 29 years
_____30 to 39 years
_____40 to 49 years
_____50 to 59 years
_____60 to 69 years
_____above 70 years
Submit your anonymous survey responses and click into the contact information registration form for the drawing.
Complete Contact Information
Name _________________________
Street Address_______________________
Town _________________________
State_________________________
Zip___________________________
Email:________________________
Phone:________________________
Best to contact you about winning on the ____phone or ______email?
Survey is at http://is-nri.com/take?i=136827&h=AnZC4FXpWQyhHChLHSDN6A
You can upload the presentation by Judy Branch on July 22, 2008
Want some ideas to create robust interaction in the
classes you teach or groups you lead? Ice Breakers
will help you start and close group meetings and classes
with laughter, fun and warm "fuzzies" among members.
Download file [.pdf format]
Download file [Introduction]
Download file [More activities]
Download file [Links to more resources]
For more Children, Youth and Families at Risk resources go to:
http://www.cyfernet.org/
If video does not play, you may need to install a Quick Time player on your computer.
Click http://www.quick-time-download.com/index.asp?gclid=CJHN07zLxI8CFUV0OAodSyZGeQ
To schedule a speaker on a financial topic for your class or organization CONTACT VTJumpStart@comcast.net or phone 877-242-8550
If video does not play, you may need to install a Quick Time player on your computer.
Click http://www.quick-time-download.com/index.asp?gclid=CJHN07zLxI8CFUV0OAodSyZGeQ
Teachers, parents who home school and agengy educators can order the HSFPP without
charge from http://hsfpp.nefe.org/home/