Web Links for Educators
The Center for Financial Literacy is invested in ensuring High School students throughout the state receive an appropriate financial literacy education. To support this we provide the following resources:
Financial Responsibility and Decision Making
- Feedthepig.org: Quizzes, tips, tools, and resources aimed at teaching teens money spending and saving habits.
- Mint.com: a money managing website that live connects to your bank and savings accounts. Create budgets for food, car payments, movie trips, etc, and be alerted when you are nearing your budget. Get monthly charts that show you how much you are spending different areas of purchases.
- Cardtrak.com: A website that lists credit card interest rates and annual fees, all in one spot.
- Bankrate.com: Similar to Card Trak
Income and Careers
- Georgetown University—What's it Worth?
- Vermont Department of Labor
- Bureau of Labor Statistics
- Learn How to Become
- Career One Stop
- The Riley Guide
- Bureau of Labor Statistics "Occupational Outlook Handbook, 2010-2011"
- Career specific sites (there are many of these the following are some examples):
Planning and Money Management
- myretirementpaycheck.org: Better understand your retirement paycheck
- choosetosave.org: Get a ballpark estimate of your retirement needs
- Retirement Calculator: A calculator that tells you how much you need to set aside if you hope to retire by 65 with 80% of your pre-retirement income
- Women's Institute for a Secure Retirement: As our nations' caregivers, nurses are often least likely to take time to care for themselves. This is especially true when it comes to planning for retirement. A new report from the Women's Institute for a Secure Retirement (WISER) and the American Nurses Association (ANA) highlights the effectiveness of a turn-key, peer-to-peer financial education program that is helping nurses across the country take action towards a secure financial future.
- Total Tax Insights: It's an easy-to-use tool that gives you a clearer picture of the types of taxes you pay-including many you may not even know exist-and their estimated amounts.
Credit and Debt
- Establishing Good Credit YouTube video: (managing credit and debt)
- Outstanding Credit Card Balance YouTube video: (managing credit and debt)
- Videos from the Federal Reserve Bank of Cleveland
Risk Management and Insurance
Saving and Investing
- How to Invest Wisely by Lawrence S. Pratt, American Institute for Economic Research
- Before you invest, go to: http://www.saveandinvest.org/
- FINRA Broker Check
- Investment Adviser Public Disclosure, US Securities & Exchange Commission
- Vermont Broker-Dealer, Investment Adviser or Investment, Department of Financial Regulation
- Vermont Insurance Agent
- Vermont State-Chartered Bank or Credit Union
- Check on an investment (SEC's Edgar database)
- Saving for Retirement: http://www.vermonttreasurer.gov/financial-literacy/
Games + Educational Programs
- Vanguard: In 2012 Vanguard released a free financial education program for k-12 schools. Through interactive games and scenarios-like students having to pay rent on their desk through classroom activities and good games-students learn how to save, hold onto their money, and make sound financial decisions. Go to the link above for the article and click here for the link to the curriculum.
- Consumer Savvy helps youth become informed and responsible consumers in today's dynamic marketplace. Three arcade style games for grades 4-12. The 4-H Consumer Savvy website was developed in partnership with the InCharge Educational Foundation, a national non-profit organization specializing in personal finance education and research.
- Mad Money: PBSKids has developed a number of games online. Mad Money helps elementary aged children learn about earning and spending money.
- Planet Orange: What is Planet Orange? It's an exciting new planet in the deepest reaches of outer space that helps kids, from 1st to 6th grade, learn about earning, spending, saving and investing. Through their travels on Planet Orange, they will tackle topics from the value of money, to setting a budget, to building savings goals for the future.
- Financial Football: Visa and the National Football League have teamed up to help teach financial concepts with Financial Football, a fast-paced, interactive game that engages students while teaching them money management skills. Teams compete by answering financial questions to earn yardage and score touchdowns
- Financial Soccer: Financial Soccer is an interactive game designed to acquaint students with the personal financial management issues they are beginning to face as young adults. Financial Soccer engages students in a fun, familiar activity, while educating them on topics essential to developing successful life skills. Like soccer, successful financial management requires strategy, finesse, and endurance. The accompanying curriculum is intended as a week-long program. Before you play the game, we recommend reviewing and completing the four, 45-minute educational modules with your students to help them get a jump on the financial concepts the game covers.
- Budgetball: Budgetball is an active sport of quick passes, tough defense, and bold comebacks designed to increase awareness of the national debt and reward strategic thinking and collaborative problem-solving around the issues of fiscal responsibility. Budgetball is a brand new sport designed to raise awareness about the issue of the federal debt and encourage discussion and debate about America's fiscal future. Budgetball is a non-contact sport played with a standard-size volleyball on a basketball court
- Show Business: Show Business: The Economic of Entertainment - Try to succeed in the music business and movie business as you find out what those industries can teach you about economics. Welcome to Show Business, the Federal Reserve Bank of Boston's learning activity on economics and the entertainment industry. Our goal is to provide an additional tool for teaching and learning about basic economic concepts. We've even managed to sneak in some economic history.
- Show Me the Future: Find out if your intended career will cover your bills and life's surprises. Mapping Your Future's Show Me the Future is a financial literacy and life skills game, designed to help 12-20 year olds prepare for their futures.
- Stock Market Game: The SIFMA Foundation's Stock Market GameTM (SMG) gives students the chance to invest a hypothetical $100,000 in an on-line portfolio. They think they're playing a game. You know they're learning economic and financial concepts they'll use for the rest of their lives.
Writing component of stock market game.
- Success Street:Click on "Student Section" at the top of the page, then click on "online games" on the left.
Team up with online characters to answer questions and beat Drew - an annoying know-it-all - to Success Street. Search content in the game to answers questions.
- LifeSmarts U: Registration required.
LifeSmarts U is a new virtual online classroom that can be used year round, where students will find online self-study lessons that correspond to LifeSmarts topic areas, and educators can access classroom and extracurricular activities to complement what students are learning.
- Grab Todd's Cash: Grab Todd's Cash is an entertaining, youth-oriented e-learning game which teaches students essential money management basics, with tips on budgeting, managing credit and making smart buying decisions in a fun, fast-paced style. The game is organized into several lessons, is self-paced and may be completed in one session or series of sessions.
- Moneytopia: Moneytopia is an immersive game that helps you learn more about managing your money while having fun. The loftier and more costly your big dream, the longer the game will last. In this game your goal is to successfully manage your money throughout life, until you finally achieve your Big Dream. How do you win? Keep careful track of your finances. Pay your bills on time, and take care of all the little day-to-day things that can impact your finances. Build up your Net Worth until you can afford that Big Dream. In no time at all you'll be a financial wizard!
- Gen I Revolution: Developed for middle school and high school students, this online game gives your students the chance to learn important personal finance skills as they play and compete against fellow classmates. The game includes fifteen Missions in which students attempt to help people in financial trouble. Students join the Gen I Revolution, strategically select their Operatives, and begin to explore and earn points as they work to complete each Mission.
- Core Concept Cards: Core Concept Cards are a series of flash cards and games sponsored by the Federal Reserve of Education.
- Virtual Business Personal Finance: a total solution for your need to teach financial literacy. Your students will learn key personal financial skills and demonstrate competence in an online simulated world. All course work is assessed, tracked, and easily monitored online. The simulation and content are always current and up to date, including tax rates, laws, and regulations.
- Practical Money Skills for Life: access to games, calculators, Kahn Academy videos and other curriculum tools from VISA, go to VISA's practical money skills
- Money Habitudes: a game-like tool that makes it easy and fun to talk about money
- Personal Finance Education: Building wealth in the classroom, an educational personal finance tool sponsored by the Federal Reserve Bank of Dallas
- Council for Economic Education: Resources for teachers on economics and personal finance
- Federal Reserve System
- Internal Revenue Service
- Social Security Administration
- U.S. Department of Labor
- Alliance for Investor Education
- American Institute of Certified Public Accountants
- American Savings Education Council
- Association for Financial Counseling and Planning Education (AFCPE)
- Certified Financial Planner Board of Standards, Inc.
- Consumer Federation of America
- Financial Planning Association
- Investment Company Institute
- National Association of Personal Financial Advisors
- National Endowment for Financial Education
- National Association of Investors Cooperation
- National Foundation for Credit Counseling
- North American Securities Administrators Association
- Society of Financial Service Professionals
Go to the Jump$tart Coalition for Financial Literacy clearinghouse for additional resources, www.jumpstart.org
- Council for Economic Education
- Family Economics & Financial Education (FEFE)
- JA Worldwide - Junior Achievement
- NEFE High School Financial Planning Program (HSFPP)
- Take Charge America
- Take Charge America Institute for Consumer Financial Education and Research (TCAI)
- Young Americans Center for Financial Education
General Personal Finance
The Champlain College Library Staff identified the following relevant lesson plans. You will need to access through your school's library; these links will NOT work without library access.