Teachers & Presenters

Do you Present?  Please become a member and register all presentations at the NYIB website http://www.nyib.org/?page_id=192


*Please note all recorded presentations help us represent our two states at the National NYIB conference and show how all credit unions nation-wide are making a difference.  NYIB also offers a FREE listserv to share ideas with other credit unions across our country.  There is also a library of resources to share on a multitude of topics for various age-groups.

Biz KidsBiz Kid$ is an Emmy award public TV series where kids teach kids about money and business. The website includes activities for teachers, families, and young entrepreneurs. Calling all teachers, parents, and volunteers: Don’t miss these free downloadable materials! Go directly to the Biz Kids website at http://www.bizkids.com/coolbizstuff.aspx. Each Biz Kid$ episode has its own curriculum, to be used in the classroom or at home in two one-hour sessions over two days.

The Cooperative Extension System is an educational partnership of more than 70 land-grant
universities. Its interactive website http://www.extension.org/personal%20finance , helps
Americans improve their lives with access to timely, objective, research-based information, and
educational opportunities.

High School Financial Planning Program of the National Endowment of Financial Education (NEFE) turns the focus on the students. The curriculum is not about creating a budget, but creating their budget, financial plan, saving plan, and investing strategy. Using performance-based learning, students take what they learn and apply it directly in the course of each unit. Carefully designed exercises and activities move the student step-by-step toward each of the seven core competencies that the program teaches. In the process, students:

·         create their own financial plan.

·         create their own budget.

·         propose a personal saving and investing plan.

·         select strategies to use in handling credit and managing their debt.

·         demonstrate how to use various financial services.

·         create a personal insurance plan.

·         examine how their choice of career and lifestyle will affect their financial plan.

To obtain resources and materials:

·         Register and click Instructors log in at http://hsfpp.nefe.org (upper right hand corner)

·         Click ‘Register’ and complete registration. Keep your username in a convenient location for future use.

Upon registration, you will be taken directly to the lesson plan/resources page and you can download any lesson plan, power point, activity, or excel sheet absolutely free! If you prefer not to download your materials, you may directly order from the website.

Banzai is a free web-based program teaching real-world financial literacy. Banzai provides real-world experiences as students learn to make wise spending decisions. Banzai includes free downloadable lesson plans and real life scenarios.
To obtain resources and materials:

·         Register and log in for Banzai at www.teachbanzai.com.

·         Click on ‘sign up now’ located on the top of the page (blue box).

·         Click on teacher or student and then fill out the registration information requested.


FoolProof For High Schools is a web-driven financial education program sponsored by credit unions for high schools, community centers, technical schools, and youth groups.
The program is completel
y turnkey for teachers. Students register themselves and tests are self-grading.
Online, interactive lessons called "modules" feature dozens of videos of young people, who do all the teaching. A teacher website provides extensive support materials. Nine 45-minute classroom sessions teach both technical skills and, more importantly critical thinking skills.
FoolProof is the only financial literacy program in the United States that is endorsed by both the Consumer Federation of America and the National Association of Consumer Advocates.
To obtain resources and materials:
• Register and login, go to: http://www.foolproofteacher.com/ and click on “Sign up for FoolProof here”(Orange writing at top of page).
• You will then follow the steps on the bottom right side of the page: Select FoolProof for High Schools.
• Fill out the appropriate online form at online registration. You will be sent an email with an access code to create your personal teacher account.
• Create Your Account. FoolProof will send you an email with your account details within 24 hours. When you receive it, please create your personal teacher account. To assist you Fool Proof will have a "Quick Start Guide" that walks you through it literally in one minute.
To demo the FoolProof program use the following log-in information: Teacher Demo: Login(username = demo account)(password = foolproof08); Student Demo: Login(username = demostudent)(password = foolproof08).

University of Arizona Family Economics and Financial Education (FEFE) provides free, ready-to-teach materials, curriculum training, newsletters, grants, and other activities to expand and incorporate into your classroom. Sign up and register for all FEFE curriculum materials are free to download after creating an account. To create an account:

·         Click “Create an Account”.

·         Fill in all profile information including administrator and submit.

·         You will receive an email to confirm that you registered and then pending FEFE approval you will become a user.

·         Once you are approved, you will receive a second email with a link to follow to create a password (you will originally have a temporary password).

The validation process is essential to the FEFE curriculum to maintain its usability in the classroom by blocking students from test banks and answer keys. If you have any challenges with the validation process, contact fefe@cals.arizona.edu or 520.626.4209.

Junior Achievement (JA) educates students about workforce readiness, entrepreneurship, and financial literacy through experiential hands-on programs. JA’s unique approach allows volunteers from the community to deliver our curriculum while sharing their experiences with students. Classroom volunteers transform the key concepts of our lessons into a message that inspires and empowers students to believe in themselves, showing them they can make a difference in the world. To find out more or to sign up by contacting your nearest representative at JA of Upper Midwest -(651) 255-0055 Email: administrator@jaum.org, or visit the national Jr. Achievement website at www.ja.org.

The Money Savvy Generation/Money Savvy U Intermediate Personal Finance Curriculum aligns their curriculum with NCTM (National Council of Math Teachers) standards and expectations in these critical areas: problem solving, reasoning and proof, communication, connection, and representation. Each of the five scripted lessons requires approximately 20 to 40 minutes of classroom time, including discussions. Instructor materials consist of a scripted, animated PowerPoint presentation on CD-ROM. Students learn to build sound money management habits by practicing with the Cash Cache Personal Finance Organizer. To learn more and to order your materials go to http://www.msgen.com/assembled/money_savvy_u.html.

The North Dakota and South Dakota Jump$tart Coalitions and the National Jumpstart Coalition. Both coalitions are nonprofit organizations that actively work to improve the financial literacy of our citizens. They educate the public through speaking engagements and workshops, provide information and materials, and collaborate with public and private organizations and law makers on various projects throughout the state. Whether you're looking for ways to develop money smarts at home, in your classroom, organization, or business, the North and South Dakota Jump$tart Coalitions and the National Jump$tart Coalition have the tools and connections you need to make it happen. To learn more and to download free materials visit their websites at (national) www.JumpStart.org ,(North Dakota) www.ndjumpstart.org, (South Dakota) http://www.jumpstart.org/states-south-dakota.html.

A Guide to the History of Money. When looking to trace the history of money, the trail can lead back to thousands of years B.C. While during those times money in our current form did not exist, a system of trading objects of value was established. This barter system was in place where in order to obtain something, buyers needed to trade an object of value. This value system was the first steps of establishing a monetary system. 

The first metal monies can be traced back to around the 1000 B.C. in China, and the first coins were developed in the next few hundred years, according to NOVA. These are some of the first objects created whose sole purpose was specifically for buying items. The development of coinage set the stage for advancements in money, and over the centuries coins became a common staple of economic systems for centuries. 

Paper money also has had a long history which dates back to the Tang Dynasty in China, according to Time Magazine. Over the course of history, paper currency has become a vital part of the economic system worldwide. While the look and denominations of bills have changed, the usefulness as a device for merchants has not changed.

One of the biggest changes in the history of money is that of security. With the implementation of paper money came one of the problems which came as a result, that of counterfeit money. In recent years, the government has implemented security features in paper money which has made it tougher for criminals to duplicate currency. A Guide to the History of Money

A Guide to Financing and Taxes for Teens. You may not be a full-fledged adult quite yet, but there are many reasons why it's important to learn smart money management early. If you are earning money with a part-time job, you will have funds to manage. Earning an income involves managing a bank

account, budgeting, saving, investing, and possibly paying taxes. By learning how to manage money during your teen years, you can continue to use your skills throughout adulthood.

You might receive money from a variety of sources. Part-time employment is only one source of money; you might also get money as gifts or as an allowance from your parents. It's important to use money wisely to make sure that you can pay for everything you need and want to buy. Another aspect of prudent money management involves saving a part of your cash. Making plans for future spending and working toward these goals helps you make them a reality. For example, you may want to buy a car, or you might wish to save money for college expenses. Investing is another aspect of money management that enables you to make your money work to earn more money. It's also important to consider the taxes you might need to pay on your earnings to ensure that you are prepared for this potential expense.

Opening checking and savings accounts helps you manage your money. A checking account makes it easier to track your spending because you must enter the checks you write in the checkbook register. At the end of the month when you reconcile your account, you can review your expenditures to see where you spent your money. Depositing money into a savings account will enable the balance to grow as it earns interest. Interest is a percentage of your balance, paid to you by the bank for keeping your money in the account.

To set a monthly budget, you must first add up all the income or money you receive in a month. Once you know how much money you receive in a month, the next step involves totaling all of your expenses for the month. For example, if you have a cell phone bill or car insurance premiums to pay, you must add these expenses to arrive at your total expenses. After calculating your expenses, it's wise to make plans to save a portion of your money each month. You might decide to save a specific percentage of your income or you could also plan on saving a dollar amount such as $25 or $50. Commit to depositing this amount of cash into your savings account every month. Any money you have left over is your cash available for spending. This is the money you would use for incidental purchases from day to day. If you don't have money left over, then you need every penny to pay for your obligations.

If you decide to explore investments, you have a number of options. You could purchase stocks, bonds, certificates of deposit, or U.S. treasuries. Before investing, always research the company so you know about the industry and potential competitors. A financial advisor can help you make investment decisions, but you must consider the fees involved with using an investment advisor.

You may come to a time when you need to consider taking out a loan to help you pay for a car or college. Many lenders have first-time vehicle buyer programs to help teens secure financing. As a first-time borrower, you may need to have a parent or other adult co-sign for the loan to enable you to qualify for the financing. Paying for college typically involves using a variety of funding sources, including grants, scholarships, and student loans. The federal government has a student financial aid program that simplifies the process of applying for various types of funding.

Learn more about managing and saving your money, as well as planning for the future, by visiting these resources:

Social Media Financial Literacy sites:

Linked In

Financial Literacy in the Upper Midwest




Dave Ramsey

Money Savvy Generation

Biz Kids

Junior Achievement of the Upper Midwest