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Financial Beginnings ~ Financial Footings

The Financial Footings program provides youth an introduction to the world of personal finance. The elementary program is a full service program in which Financial Beginnings provides all of the materials and presenters at no cost to schools or participants. Students are provided with a student workbook to use during sessions and take home with them to continue the lessons. Professionals who work in the financial industry volunteer their time to teach the lessons. These presenters can truly connect with youth by delivering an engaging and relevant program. This free program covers four important topics listed below in a four-hour program, usually broken into 4 one-hour sessions, which can be scheduled to fit each teacher's needs. In addition to financial education, the students are left with a message of responsibility, and a solid footing for a bright financial future.


Topics Covered


Money Matters

  • What is Money
  • Trading and Bartering
  • Producers and Consumers
  • Supply and Demand

Manage It

  • Needs vs. Wants
  • Goals
  • Budgets
  • Types of Income
  • Taxes

Get Banked

  • Banks vs. Credit Unions
  • Checking Accounts
  • Savings Accounts
  • Interest
  • Managing Accounts

Smart Future

  • Credit Score
  • Credit vs. Debit Cards
  • Loans
  • Types of Interest and how it works

What we provide


We provide all students with a copy of the curriculum, and all necessary supplemental materials, which will be sent to the school directly, prior to the program. It is our job to make teachers' work easier; we handle all the details and offer a program that enhances the standards-based math and life-skills teachers are already teaching.  

For more information, Contact Us!


Operation Hope ~ Banking OnOur Future


The Banking on Our Future program provides youth with the financial skills they need to reach their dreams. This fun, engaging and relevant program is taught by professionals in our community who really connect with our youth on these important topics. This free program covers four important topics listed below in a four-hour program that can be scheduled to fit each teacher's needs. In addition to financial education, the students are left with a message of empowerment, a message of responsibility, and a foundation for a bright financial future.

Topics Covered


Budgeting

  • Basics of Money
  • Needs vs. Wants
  • Earning Power
  • Basics of Budgeting 

Credit

  • Borrowing Money and Interest
  • Credit Reports and Scores
  • Loans and how they work
  • Basics of Credit Cards

Accounts

  • Banks vs. Credit Unions
  • Checking Accounts
  • Savings Accounts
  • Managing Accounts

Savings and Investing

  • Basics of Saving
  • Basics of Investing
  • Importance of saving for the future
  • Basics of Stocks
The Banking on Our Future program engages youth through relevant and fun lessons that include hands-on and thought-provoking activities. In addition to the above curriculum, student will:
  • Create their own budget with mock careers!
  • Open up their own pretend bank/credit union accounts!
  • Write checks and learn how to balance a checkbook!
  • Calculate a loan with good and bad credit!
  • Research their favorite company's stock price! 

What we provide


We provide each teacher with a business professional that works in the finance industry and has been fully trained to teach the program. The volunteer is well prepared with a well-tested curriculum that meets National Council of Teachers of Mathematics standards. We provide all students with a copy of the curriculum, and all necessary supplemental materials, which will be sent to the school directly, prior to the program. It is our job to make teachers' work easier; we handle all the details and offer a program that enhances the standards-based math and life-skills teachers are already teaching.

For more information, Contact Us

Or sign up Here!


Financial Beginnings ~ Financial Foundations


The Financial Foundations program is designed for high school students and young adults.  Financial Beginnings provides the program for free to school and participants. This is a full service program in which Financial Beginnings provides all of the materials and presenters to deliver the program. Presenters are volunteers who work in the financial industry. The curriculum is broken down into five subjects including: banking, budgeting, credit, investing and risk management. Each of the five subjects is taught in 2-one hour classes or 1-1 ½ hour block period. Educators are given the flexibility to choose the subjects that fit best into their class (though most choose to have all five).


Topics Covered


BANKING

Banking is important to understand because participation in banking services is typically one’s first exposure to the financial world. Most often we depend on banks and credit unions to safeguard our money so it is helpful to understand what they are doing with our money and how keeping our money in a bank or credit union can be beneficial. In this section we introduce financial institutions, how they work and how students can utilize them in managing their money.


Course Objectives:

  • Be able to explain the difference between banks and credit unions
  • Understand how to choose the right bank or credit union for you
  • Understand the benefits and services that financial institutions provide
  • Understand how to avoid banking fees
  • Learn how to calculate the different types of interest

BUDGETING

Budgeting is the foundation of personal financial planning.  Budgeting allows us to manage our money by tracking our income and expenses. Since every person is different it is important to know how to create a budget that can be used for our own specific needs.


Course Objectives:

  • Understand the primary components of a budget and how one can be created/ maintained
  • Understand the different types of income and how taxes apply
  • Understand how to budget for expenses and the difference between variable and fixed expenses
  • Understand how short-term and long-term financial goals are set and utilized
  • Learn tips to keeping your budget relevant 

CREDIT

In today’s economic society it would be rare to not use credit to pay for things such as online or large purchases, car repairs or in emergency situation. Credit can be an overwhelming topic, but understanding credit is critical in responsible management of one’s finances. Armed with a few key concepts, however, student can successfully manage their credit in a proactive way.


Course Objectives:

  • Understand what credit is, how it works and why you need it
  • Understand the different ways of establishing credit
  • Learn your responsibilities as a borrower
  • Understand how to monitor credit using a credit report and credit score
  • Understand loans and credit cards and how to borrow responsibly

INVESTING

Investing is an excellent way to build wealth and achieve your financial and life goals. The Investing section of this guide and accompanying classroom session will help students to understand the key concepts of investing.


Course Objectives:

  • Understand what investments are and how they can help you to achieve your financial goals
  • Understand risk vs. return and diversification
  • Learn about common types of investments
  • Understand common options for retirement savings
  • Learn what kind of investor/saver you are and the pros and cons of each type 

RISK MANAGEMENT

Many times individuals feel that they are paying money into insurance policies, but not getting their fair share back.  This is not how insurance should be viewed. Purchasing insurance is a way to manage risk.


Course Objectives:

  • Understand what insurance is, why you need it and how it works
  • Learn what insurance premiums are and how they are determined
  • Know what liability coverage is and how it applies to auto and renters/home insurance policies
  • Be able to explain types of insurance and when they apply in real life
  • Understand insurance contracts and the major decisions that have to be made when purchasing policies

ENTREPRENEURSHIP (Coming in late 2012)

Financial Beginnings' programs are designed to engage students through relevant and fun lessons that include hands-on and thought-provoking activities. In addition to the above curriculum, student will:


Course Objectives:

  • Calculate their future life savings!
  • Review actual credit applications!
  • Play Banking Bingo! Serve as jury members for a car accident court case!
  • Write checks and learn how to balance a checkbook!
  • Scrutinize spending habits and brainstorm ways to keep more money in their pockets!
  • Play the "If I Had Millions..." game!

What we provide


We provide each teacher with a business professional that has been fully trained to teach the program. The volunteer is well prepared with a well-tested curriculum that meets National Council of Teachers of Mathematics standards. We provide all students with a copy of the curriculum, and all necessary supplemental materials, which will be sent to the school directly, prior to the program. It is our job to make teachers' work easier; we handle all the details and offer a program that enhances the standards-based math and life-skills teachers are already teaching.

For more information, Contact Us!


Financial Beginnings ~ Financial Foundations


The Financial Foundations program is designed for high school students and young adults.  Financial Beginnings provides the program for free to school and participants. This is a full service program in which Financial Beginnings provides all of the materials and presenters to deliver the program. Presenters are volunteers who work in the financial industry. The curriculum is broken down into five subjects including: banking, budgeting, credit, investing and risk management. Each of the five subjects is taught in 2-one hour classes or 1-1 ½ hour block period. Educators are given the flexibility to choose the subjects that fit best into their class (though most choose to have all five).


Topics Covered


BANKING

Banking is important to understand because participation in banking services is typically one’s first exposure to the financial world. Most often we depend on banks and credit unions to safeguard our money so it is helpful to understand what they are doing with our money and how keeping our money in a bank or credit union can be beneficial. In this section we introduce financial institutions, how they work and how students can utilize them in managing their money.


Course Objectives:

  • Be able to explain the difference between banks and credit unions
  • Understand how to choose the right bank or credit union for you
  • Understand the benefits and services that financial institutions provide
  • Understand how to avoid banking fees
  • Learn how to calculate the different types of interest

BUDGETING

Budgeting is the foundation of personal financial planning.  Budgeting allows us to manage our money by tracking our income and expenses. Since every person is different it is important to know how to create a budget that can be used for our own specific needs.


Course Objectives:

  • Understand the primary components of a budget and how one can be created/ maintained
  • Understand the different types of income and how taxes apply
  • Understand how to budget for expenses and the difference between variable and fixed expenses
  • Understand how short-term and long-term financial goals are set and utilized
  • Learn tips to keeping your budget relevant 

CREDIT

In today’s economic society it would be rare to not use credit to pay for things such as online or large purchases, car repairs or in emergency situation. Credit can be an overwhelming topic, but understanding credit is critical in responsible management of one’s finances. Armed with a few key concepts, however, student can successfully manage their credit in a proactive way.


Course Objectives:

  • Understand what credit is, how it works and why you need it
  • Understand the different ways of establishing credit
  • Learn your responsibilities as a borrower
  • Understand how to monitor credit using a credit report and credit score
  • Understand loans and credit cards and how to borrow responsibly

INVESTING

Investing is an excellent way to build wealth and achieve your financial and life goals. The Investing section of this guide and accompanying classroom session will help students to understand the key concepts of investing.


Course Objectives:

  • Understand what investments are and how they can help you to achieve your financial goals
  • Understand risk vs. return and diversification
  • Learn about common types of investments
  • Understand common options for retirement savings
  • Learn what kind of investor/saver you are and the pros and cons of each type 

RISK MANAGEMENT

Many times individuals feel that they are paying money into insurance policies, but not getting their fair share back.  This is not how insurance should be viewed. Purchasing insurance is a way to manage risk.


Course Objectives:

  • Understand what insurance is, why you need it and how it works
  • Learn what insurance premiums are and how they are determined
  • Know what liability coverage is and how it applies to auto and renters/home insurance policies
  • Be able to explain types of insurance and when they apply in real life
  • Understand insurance contracts and the major decisions that have to be made when purchasing policies

ENTREPRENEURSHIP (Coming in late 2012)

Financial Beginnings' programs are designed to engage students through relevant and fun lessons that include hands-on and thought-provoking activities. In addition to the above curriculum, student will:


Course Objectives:

  • Calculate their future life savings!
  • Review actual credit applications!
  • Play Banking Bingo! Serve as jury members for a car accident court case!
  • Write checks and learn how to balance a checkbook!
  • Scrutinize spending habits and brainstorm ways to keep more money in their pockets!
  • Play the "If I Had Millions..." game!

What we provide


We provide each teacher with a business professional that has been fully trained to teach the program. The volunteer is well prepared with a well-tested curriculum that meets National Council of Teachers of Mathematics standards. We provide all students with a copy of the curriculum, and all necessary supplemental materials, which will be sent to the school directly, prior to the program. It is our job to make teachers' work easier; we handle all the details and offer a program that enhances the standards-based math and life-skills teachers are already teaching.

For more information, Contact Us!