Personal Financial Literacy 2014

Size: px
Start display at page:

Download "Personal Financial Literacy 2014"

Transcription

1 A Correlation of

2 Table of Contents Standard 1: Income... 3 Standard 2: Money Management... 5 Standard 3: Spending & Credit... 7 Standard 4: Saving & Investing

3 Course Description is a course designed to inform students how individual choices directly influence occupational goals and future earnings potential. Real world topics covered will include income, money management, spending and credit, as well as saving and investing. Learning Expectations: Students will design personal and household budgets; simulate use of checking and saving accounts; demonstrate knowledge of finance, debt, and credit management; and evaluate and understand insurance and taxes. This course will provide a foundational understanding for making informed personal financial decisions. Standard 1: Income Performance Indicators: The student will: 1.1. Interpret factors affecting income a. Career choices and potential income SE/TE: Determining a Career Path, 72 73; Education and Skill Requirements, 74; Compensation, 75 76; Sources of Career Information, 77; Job Experience, 78; Training Programs, 79; Education, 80; Expanding Your Education, 81 b. Educational requirements/training costs SE/TE: Education and Skill Requirements, 74; Internships, 78; Training Programs, 79; Education, 80; Expanding Your Education, 81 c. Educational level SE/TE: Education and Skill Requirements, 74; Education, 80; Expanding Your Education, Analyze employer benefits packages a. Savings plan SE/TE: Defined contribution plans, employer sponsored, , 258 b. Retirement SE/TE: Employee Sponsored Retirement Plans (ESOPs), c. Insurance SE/TE: Employer provided insurance plans, 119, d. Leave (vacation, sick, etc.) SE/TE: For related material see: Sources of Career Information, 77 78; Research careers, 90 e. Stock purchase SE/TE: For related material see: Investing in Stocks,

4 f. Educational reimbursement SE/TE: For related material see: Education and Skill Requirements, 74; Internships, 78; Training Programs, 79; Education, 80; Expanding Your Education, 81 g. Incentive plans SE/TE: Transportation Compensation, #2 88; for related material see: Sources of Career Information, 77 78; Research careers, 90 h. Cafeteria plan SE/TE: For related material see: Sources of Career Information, 77 78; Research careers, Demonstrate an understanding of inflation and its effect on purchasing power a. Cost and availability of goods SE/TE: Inflation, , 148 b. Effect of cost on availability of and SE/TE: Inflation, , 148 demand for goods c. Inflation s effect on the value of money SE/TE: Inflation, 144; Monetary Policy, , Examine the components of paying taxes a. Types of taxes (Federal, State, County, City) b. Personal and employer tax responsibilities c. Various documents for reporting taxes (W-2, W-4, 1040, 1040-EZ, 1099, etc.) SE/TE: Payroll Taxes, 97; The Internal Revenue Service, ; Personal Income Taxes, ; What Are the Connections? 112 SE/TE: Tax Basics, ; Filing Taxes, SE/TE: Pay Stub, 98; Finance Online for all forms, 99, Form 1040EZ, ; W-2 Form, Analyze the costs and benefits of paying taxes 1. Cost of government services (Police SE/TE: For related material see: The Four and fire protection, schools, roads, Social Rs of Taxes, 97; also see: Tax Basics, 96- Security, AFDC, parks and recreation, 97; Social Security and Medicare, ; etc.) Teamwork, 112; Social Security,

5 Standard 2: Money Management Performance Indicators: The student will: 2.1 Apply a decision making process to personal financial choices SE/TE: Benefits of Good Financial Decision Making, 8; End of Chapter Activities: Financial Responsibility & Decision Making, 19; Financial Decision Making, 36; overview of, 37 38; Step by Step Decision Making Process: Step 1: Establish Your Financial Goals, 40 41; Step 2: Evaluate Your Current Financial Position, 42; Step 3: Identify and Evaluate Options for; Accomplishing Your Goals, 43; Step 4: Pick the Best Plan, 44; Step 5: Periodically Evaluate Your Plan, 45; Step 6: Revise Your Financial Plan as Necessary, Design a current personal financial plan SE/TE: Step by Step Decision Making Process: Step 1: Establish Your Financial Goals, 40 41; Step 2: Evaluate Your Current Financial Position, 42; Step 3: Identify and Evaluate Options for; Accomplishing Your Goals, 43; Step 4: Pick the Best Plan, 44; Step 5: Periodically Evaluate Your Plan, 45; Step 6: Revise Your Financial Plan as Necessary, Create a realistic household budget that includes the following items: 1. Short-term components saving and SE/TE: Short term goals, 9 11, 41; spending (housing, utilities, food, Creating a Budget: Step 1: Create a entertainment, clothing, transportation, Personal Cash Flow Statement, 54; Step 2: personal items, insurance, etc.) Turn Your Cash Flow Statement into a Budget, 55; Working with and Improving Your Budget, 56; Assessing the Accuracy of the Budget, 57; Creating a Personal Balance Sheet, 58; Investments, 59; Liabilities, 60; Analysis of Your Personal Balance Sheet, 61; Budgeting and Your Financial Plan, Long-term components saving and spending (estate planning, wills, insurance, long-term care) SE/TE: Planning for long-term goals: Education, 9; Buying a Car, Buying a Home, Having a Family, Retirement, 10 A Plan for Your Retirement, 29 Retirement Savings Options, 252 Individual Retirement Accounts (IRAs) 253 Employer Sponsored Retirement Plans, 255 Annuities, 256 5

6 2.4 Understand banking procedures and services 1. Checking and savings accounts (maintaining and reconciling) SE/TE: Banking Basics: Checking Accounts, 227; How Checking Accounts Work, 227; Using Your Checking Account, 228; Balancing Your Account, ; Interest and Your Savings, 248; Interest Rates on Deposits, 248; Types of Bank Accounts, 249; Checking and NOW Accounts, 249; Interest Bearing Savings Accounts, 250; Certificates of Deposit (CDs) 250; Money Market Deposit Account (MMDA) 251; About Credit Unions, 252; APY and Comparing Savings Options, 252; Retirement Savings Options, Bank service fees SE/TE: Fees: credit card company, , 206, choosing bank based on, Payment methods SE/TE: Banking procedures and services: Arrangements for credit payments, ; Other online services, Debit, bank, and automatic teller machine (ATM) cards SE/TE: Automatic teller machines (ATMs), ; Debit cards, , Loans SE/TE: Personal Loans, 176; The Personal Loan Process, 177; Loan Contract, 178; Financing a Home, 179; Mortgage Loans, 180; Home Equity Loans, 181; Financing Your Education, 185; The Reality of Student Loans, 186; Leasing Versus Buying a Car, 187; The Importance of Car Insurance, Analyze personal risk management (insurance) 1. Health SE/TE: Insuring Your Health and Your Life, 116; Opening Case, 117; The Importance of Health Insurance, Sources of Health Insurance, 118; Health Care Costs, 119; Health Insurance Features and Terms, Indemnity Plans Versus Managed Care, Family Coverage, ; Group Plans, Location Restrictions, Preexisting Conditions, Cancellation Options, Deductibles, ; Coverage Limits, Co insurance, Provider Networks, 123 6

7 2. Life SE/TE: Insuring Your Health and Your Life, 116; Life Insurance, 124; Types of Life Insurance, 125; Getting Insurance, 126; Chapter Review, Homeowners SE/TE: The Importance of Homeowner's and Renter's Insurance, Auto SE/TE: Auto Policies, Renters SE/TE: The Importance of Homeowner's and Renter's Insurance, Disability SE/TE: Disability insurance: Medicare, 118, overview, Long-term care SE/TE: Managed Care, 121; The Graying of America, Standard 3: Spending & Credit Performance Indicators: The student will: 3.1 Demonstrate knowledge of basic principles of consumer finance 1. Credit worthiness SE/TE: Obtaining and Protecting Your Credit, 154; The Basics of Credit for Consumers, 156; Building Good Credit, 159; Your Credit History, 160; Credit Reports, 161; Monitor Your Credit Report, Comparison shopping SE/TE: Math for : comparing two vehicles, Purchases SE/TE: Buying a Car, Buying a Home, Having a Family, Retirement, 10; Personal Loans and Purchasing Decisions, 174; Financing Your Car, 186; Leasing Versus Buying a Car, Goods/Services SE/TE: Buying a Car, Buying a Home, Having a Family, Retirement, 10; Personal Loans and Purchasing Decisions, ; Financing a Home, ; Financing Your Education, ; Financing Your Car, 186; Leasing Versus Buying a Car, 187; also see: Careers and education: in financial services and banking, 227 7

8 5. Consumer loans/credit life insurance SE/TE: The Basics of Credit for Consumers, 156; Advantages, Disadvantages of Using Credit, 157; Credit Cards and Other Forms of Credit, 198; Use a Credit Card Only If You Can Cover the Bill, 208; If You Experience Credit Card Debt Problems, 209; Other Risky Credit Arrangements, Opportunity cost SE/TE: Opportunity cost: viewing purchases in terms of, 8, calculating, 9, Expanding Your Education, Consequences of purchasing choices SE/TE: Financing or Interest Charges, 206; Use a Credit Card Only If You Can Cover the Bill, 208; Pay Credit Card Bills First, 208; If You Experience Credit Card Debt Problems, Demonstrate awareness of consumer protection and information 1. Personal responsibility SE/TE: Use a Credit Card Only If You Can Cover the Bill, 208; Use Savings If Necessary, 209; If You Experience Credit Card Debt Problems, Laws and regulations SE/TE: Credit Rights and Consumer Credit Laws, Legal documents, including contracts SE/TE: The Person Loan Process, 177; Loan Contract, 178; Secured and Unsecured Loans, Consumer protections SE/TE: Credit Rights and Consumer Credit Laws, Crimes against consumers SE/TE: Teamwork, 131; Threats to Your Credit: Identity Theft, 164; Protecting Against and Reacting to Identity Theft, 165, Other Risky Credit Arrangements, Fraud/Scams SE/TE: Health Care Fraud and Abuse Control Program, 119; Teamwork, 131; Threats to Your Credit: Identity Theft, 164; Protecting Against and Reacting to Identity Theft, 165; Other Risky Credit Arrangements,

9 7. Loan Sharking SE/TE: For related material see: Other Risky Credit Arrangements, ; Payday Lending, 211; Pawn Shops, Identity theft/protection SE/TE: Threats to Your Credit: Identity Theft, 164; Identify Theft Tactics, 164; Protecting Against and Reacting to Identity Theft, Credit reporting services (Equifax, SE/TE: Credit Bureaus and Credit Scoring, Trans Union, Experian, etc.) 160; Credit Reports, Rental/Lease SE/TE: Rental insurance, ; Mileage limits, vehicle leases, 188; Cell Phone Leases, Analyze consumer debt management 1. Credit card use and abuse SE/TE: Credit Cards and Other Forms of Credit, 198; Opening Case, 199; How Credit Cards Work, 200; Applying for a Credit Card, 201; Credit Card Features, 204; Credit Limit, 205; Financing or Interest Charges, 206; Prepaid Cash Cards, 207; Use a Credit Card Only If You Can Cover the Bill, 208; Use Savings If Necessary, 209; If You Experience Credit Card Debt Problems, 209; Essential Question Activities, Credit costs (interest [including APR], penalties, fees, credit score, etc.) SE/TE: Ease of Availability and Use, 200; Interest and Fee Information for a Sample Credit Card, 202; Annual Fee, 205; Grace Periods, 206; Cash Advances, 206; Financing or Interest Charges, 206; Use a Credit Card Only If You Can Cover the Bill, 208; Pay Credit Card Bills First, 208; Use Savings If Necessary, 209; If You Experience Credit Card Debt Problems, Loan consolidation (benefits and SE/TE: Debt consolidation, 210, 214 disadvantages) 4. Credit Counseling SE/TE: If You Experience Credit Card Debt Problems,

10 5. Credit problems including bankruptcy, foreclosure, repossession, surrender of collateral (turn back), delinquency, garnishment, effect on employment and purchase of insurance, etc. SE/TE: Bankruptcy, 7, 210, 214; Disadvantages of Using Credit, 157; Credit Bureaus and Credit Scoring, 160; Threats to Your Credit: Identity Theft, 164; Monitor Your Credit Report, 166; If You Experience Credit Card Debt Problems, 209; Other Risky Credit Arrangements, Examine various forms of credit payment 1. Installment SE/TE: Installment loans, Bank draft SE/TE: Bank drafts, , Lay Away SE/TE: For related material see: Arrangements for Credit Payment, Electronic (Internet, debit card, SE/TE: EFTs (Electronic funds transfers), electronic transfer, credit card) 232, Compare/contrast various types of loans 1. Mortgage SE/TE: Financing a Home, , homeowner's insurance to cover, Balloon SE/TE: For related material see: Financing a Home, ; Adjustable rate mortgages (ARMs), Installment SE/TE: Installment loans, Education/Training loans SE/TE: Education: resources for funding, 11, Check cashing businesses SE/TE: For related material see: Payday lending risk, 211, Personal SE/TE: Personal loans: overview of, , Why Take a Personal Loan? 176, The Personal Loan Process, , Secured and Unsecured Loans, , Financing a Home, , financing education, 185, Financing Your Car, , review summary, , review, test prep questions, Secured and unsecured SE/TE: Personal loans: secured and unsecured,

11 8. Line of credit SE/TE: Line of credit, home equity, Equity SE/TE: Home equity, Title loans SE/TE: Financing Your Car, Pawn shops SE/TE: Pawn Shops, 212 Standard 4: Saving & Investing Performance Indicators: The student will: 4.1 Identify reasons for saving & investing 1. Education SE/TE: Education: earnings potential and, 7, as personal financial goal, 9, Expanding your Education, 81, Resources for funding, 11, Emergencies/rainy day SE/TE: Emergencies/Rainy Day Fund, 9 3. Short term goals SE/TE: Short term goals, 9 11, Long term goals SE/TE: Planning for long-term goals: education, buying a car, buying a home, having a family, retirement, 10 A Plan for Your Retirement, 29 Retirement Savings Options, 252 Individual Retirement Accounts (IRAs) 253 Employer Sponsored Retirement Plans, 255 Annuities, Retirement SE/TE: Retirement, 10; Retirement Savings Options, 252; Individual Retirement Accounts (IRAs) 253; Employer Sponsored Retirement Plans, 255 Annuities, Down payment SE/TE: Down payments defined, 176; Leasing cars and, Evaluate methods of saving 1. Certificates of Deposit SE/TE: Certificates of deposit (CDs): FDIC insuring, 233, Saving money with, 250, Annual percentage rate and, 257, Saving cash reserve in,

12 1. Interest bearing savings account (Passbook savings) 2. Individual Retirement Account (IRA) Roth and traditional 1. Pension plans (401K, 403B, annuities, etc.) SE/TE: Interest bearing savings accounts, 250 SE/TE: Individual retirement accounts (IRAs): overview of, , defined, 258, Growing investments in, 277 SE/TE: Pension plans: as defined benefit plans, 255, Employer sponsored retirement plan vs., 257, Institutional investors of stocks for, Education savings plans SE/TE: Education, resources for funding, 11, Evaluate methods of investing 1. Stocks and bonds SE/TE: Investing in Stocks, ; Investing in Bonds, ; Other Ways of Investing, Mutual funds SE/TE: Mutual Funds, Real estate SE/TE: Real estate, investing in, 278, Annuities SE/TE: Annuities, 254, Business SE/TE: Methods of Investing: Owning a Business, Appraise other aspects of saving and investing 1. Diversification SE/TE: Diversification, Time value of money SE/TE: Time value of money: future value vs. present value, , Retirement planning and, , Compound growth/ Accrued interest SE/TE: Compound Interest: overview of, 252, defined, 257, Future value of money and, 291, versus simple interest, 292, Summary and review, Rule of 72 (divide interest rate into 72 SE/TE: Rule of 72, , 299 to determine number of years in which money will double) 5. Risk and return SE/TE: Return and risk trade off, investments, 268,

13 4.5 Identify regulatory agencies and their functions 1. Federal Deposit Insurance Corporation (FDIC) SE/TE: Federal Deposit Insurance Corporation (FDIC), , 238, Securities Exchange Commission (SEC) SE/TE: Securities and Exchange Commission (SEC), Federal Reserve SE/TE: Federal Reserve System (the Fed), 208, , Internal Revenue Service (IRS) SE/TE: The Internal Revenue Service (IRS), and Taxes,

FINANCE PERSONAL. Personal Finance Grades 11-12 Tennessee

FINANCE PERSONAL. Personal Finance Grades 11-12 Tennessee Personal Finance Grades 11-12 Tennessee PERSONAL FINANCE 2007 STANDARDS PERSONAL FINANCE Course Description Personal Finance is a course designed to help students understand the impact of individual choices

More information

Sherry J. Roberts PEARSON

Sherry J. Roberts PEARSON 1 Personal Financial I Literacy H MikfJ - f.a-vc H Sherry J. Roberts PEARSON 1 Boston Columbus Indianapolis New York San Francisco Upper Saddle River Amsterdam Cape Town Dubai London Madrid Milan Munich

More information

6.15.1.7 Describe and use the steps involved in the banking reconciliation process

6.15.1.7 Describe and use the steps involved in the banking reconciliation process ND BUSINESS EDUCATION FRAMEWORKS Financial Literacy Course Code Course Name/Course Description Grade Levels Accreditation Time/Credit Options 14095 Financial Literacy is designed to help students understand

More information

Grade 9-12 Subject Economics & Personal Finance Fourth Nine Weeks Instruction Dates: April 14 June 15

Grade 9-12 Subject Economics & Personal Finance Fourth Nine Weeks Instruction Dates: April 14 June 15 Classroom policies and procedures Curriculum Focus: Virginia Credit Union Smart Start Education Curriculum https://www.vacu.org/education_resources/articles_tips/financial_education_for_kids_teens/resources_for_teachers/smart_start_curriculu

More information

9.1 PERSONAL FINANCIAL LITERACY

9.1 PERSONAL FINANCIAL LITERACY STRAND A: 9.1.4.A.1 9.1.4.A.2 9.1.4.A.3 9.1.8.A.1 9.1.8.A.2 9.1.8.A.3 9.1.8.A.4 9.1.8.A.5 9.1.8.A.6 9.1.8.A.7 9.1.12.A.1 9.1.12.A.2 9.1.12.A.3 9.1.12.A.4 9.1.12.A.5 9.1.12.A.6 9.1.12.A.7 9.1.12.A.8 9.1.12.A.9

More information

Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account.

Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account. Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account. Account fee the amount charged by a financial institution for the

More information

Financial Literacy Course Outline Maryland, USA

Financial Literacy Course Outline Maryland, USA Financial Literacy Course Outline UNIT 1 INCOME AND PURCHASING The purpose of this unit is to develop the concepts of income and purchasing. Class discussions should include gross versus net pay, buying

More information

DOLLARS & SENSE Curriculum Map

DOLLARS & SENSE Curriculum Map DOLLARS & SENSE Curriculum Map Course ID: 8000/8001 Textbook: Economic Education for Consumers, 3E (Thomson/South-Western) ISBN: 0-538-44111-9 Credits:.50 Grade Level: 9 & 10 Course Description: Everyone

More information

Chapter 113. Texas Essential Knowledge and Skills for Social Studies. Subchapter C. High School

Chapter 113. Texas Essential Knowledge and Skills for Social Studies. Subchapter C. High School Text of Adopted New 19 TAC Chapter 113. Texas Essential Knowledge and Skills for Social Studies Subchapter C. High School 113.49. Personal Financial Literacy (One-Half Credit), Adopted 2016. (a) (b) General

More information

National Standards for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance

National Standards for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance National s for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance I. Financial Responsibility & Decision Making II. Income & Careers III. Planning & Money Management

More information

Jump$tart Coalition for Personal Financial Literacy. Goodheart-Willcox Foundations of Personal Finance 2014 by Sally Campbell and Robert Dansby

Jump$tart Coalition for Personal Financial Literacy. Goodheart-Willcox Foundations of Personal Finance 2014 by Sally Campbell and Robert Dansby Jump$tart Coalition for Personal Financial Literacy correlation of standards with Goodheart-Willcox Foundations of Personal Finance 2014 by Sally Campbell and Robert Dansby This chart correlates the performance

More information

OHIO TREASURER S FINANCIAL EDUCATION GLOSSARY OF TERMS

OHIO TREASURER S FINANCIAL EDUCATION GLOSSARY OF TERMS OHIO TREASURER S FINANCIAL EDUCATION GLOSSARY OF TERMS 401(k) An employer qualified retirement plan set up by a private company in which eligible employees may make salary-deferral (salary-reduction) contributions

More information

GFL Comparison SB 40, New Standards, Old Standards

GFL Comparison SB 40, New Standards, Old Standards SB 40 Requirement New Standards GFL Comparison SB 40, New Standards, Old Standards STANDARD 1: Students will understand how values, culture, and economic forces affect personal financial priorities and

More information

Personal Finance Standards (Assignment Code #22210)

Personal Finance Standards (Assignment Code #22210) Personal Finance Standards (Assignment Code #22210) Rationale Statement: A citizen that lives within his or her income has more control over his or her life while expanding choices. Having the knowledge

More information

GLENCOE CORRELATION MATHEMATICS WITH BUSINESS APPLICATIONS NEW YORK Math & Financial Applications

GLENCOE CORRELATION MATHEMATICS WITH BUSINESS APPLICATIONS NEW YORK Math & Financial Applications GLENCOE CORRELATION MATHEMATICS WITH NEW YORK COURSE OUTLINE I. PAYROLL A. Terminology and Procedures SE: 92-107, 128-129, 427-428, 634-636, 788-791 B. Compensation Plans: Salary, Hourly, Piecework, Commission,

More information

Personal Finance Scope and Sequence Unit: Financial Planning

Personal Finance Scope and Sequence Unit: Financial Planning Unit: Financial Planning Your perspective on money affects your behaviors regarding money. Maximizing utility with money requires planning What are my values/needs/wants? What is my perspective on money?

More information

Describe the 3 steps in the financial planning process. Identify the four key players in the economy.

Describe the 3 steps in the financial planning process. Identify the four key players in the economy. Subject Area: Course: Math Personal Finance Unit: 1 Financial Planning What is Financial Planning? How does it fit into your life and career plans? When should you start planning for your future? personal

More information

Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html. Standards Final December 2008

Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html. Standards Final December 2008 Indiana Financial Education http://doe.in.gov/octe/facs/indianafinlited-frontpage.html Standards Final December 2008 By the end of 12th grade, every student should have achieved the Financial Literacy

More information

oersonal finance ur fufcur Robert B. Walker Kristy P. Walker McGraw-Hill Irwin Mount Mercy University University of Iowa Me Gnaw Hill

oersonal finance ur fufcur Robert B. Walker Kristy P. Walker McGraw-Hill Irwin Mount Mercy University University of Iowa Me Gnaw Hill oersonal finance ur fufcur Robert B. Walker Mount Mercy University Kristy P. Walker University of Iowa Me Gnaw Hill McGraw-Hill Irwin contents PREFACE IX one MONEY $ MONEY $ MONEY $ 2 CHAPTER 1 GOAL SETTING

More information

House File 148 - Introduced

House File 148 - Introduced House File - Introduced HOUSE FILE BY PETTENGILL, FISHER, ALONS, MAXWELL, HEIN, HESS, HEARTSILL, VANDER LINDEN, LANDON, SCHULTZ, and WATTS A BILL FOR An Act adding one-half unit of personal finance literacy

More information

FINAL EXAM. True or False. Multiple Choice. 21. False 22. False 23. False KEY. 10. False. 24. True. 31. True. 4. False. 26. True 27. True 28.

FINAL EXAM. True or False. Multiple Choice. 21. False 22. False 23. False KEY. 10. False. 24. True. 31. True. 4. False. 26. True 27. True 28. FINAL EXAM KEY True or False 1. False 2. True 3. True 4. False 5. False 6. False 7. True 8. True 9. False 10. False 11. False 12. False 13. False 14. True 15. True 16. False 17. True 18. False 19. True

More information

It s Your Paycheck! Glossary of Terms

It s Your Paycheck! Glossary of Terms Annual percentage rate The percentage cost of credit on an annual basis and the total cost of credit to the consumer. APR combines the interest paid over the life of the loan and all fees that are paid

More information

The Eight Money Smart for Young Adults Modules

The Eight Money Smart for Young Adults Modules The Eight Money Smart for Young Adults Modules 1 1 Module 1: Bank On It 2 2 Module 2: Check It Out 3 3 Check It Out Benefits of checking accounts Types of checking accounts Understanding banking fees Opening

More information

Grades 9 12: Standard 1: Earning Income Benchmark Code Benchmark FoolProof Module/Activity. Benchmark Code Benchmark FoolProof Module/Activity

Grades 9 12: Standard 1: Earning Income Benchmark Code Benchmark FoolProof Module/Activity. Benchmark Code Benchmark FoolProof Module/Activity FL-V3-050316 PROPOSED NEXT GENERATION SUNSHINE STATE STANDARDS FOR SOCIAL STUDIES FINANCIAL LITERACY STRAND Grades 9 12: Standard 1: Earning Income SS.912.FL.1.1 Discuss that people choose jobs or careers

More information

Lifetime Income Financial Evaluation

Lifetime Income Financial Evaluation Lifetime Income Financial Evaluation Client Name We will hold in the strictest confidence the information collected and entered in this document, other documents, and computerized software programs. We

More information

M. Caroline Cantrell & Associates, PC Attorney at Law

M. Caroline Cantrell & Associates, PC Attorney at Law M. Caroline Cantrell & Associates, PC Attorney at Law 8800 SE Sunnyside Road, Suite 207N, Clackamas, OR 97015 (503) 236-9211 549 NW 2nd Avenue, Canby Oregon 97013 (503) 266-0382 Date: PENDING FORECLOSURE,

More information

Personal Financial Planning For Medical Residents

Personal Financial Planning For Medical Residents Personal Financial Planning For Medical Residents Matthew Lawson, M.D. What is personal financial planning? What is personal financial planning Is it Buying a house Paying for a car Purchasing stocks Paying

More information

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By:

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By: MEMBER NEEDS HANDBOOK Credit Union Name Developed By: The Pell Group & Creating Member Loyalty Copyright 2014 Credit Union National Association, Inc. 1 Introduction Introduction Facts About Credit Union

More information

General Financial Literacy

General Financial Literacy General Financial Literacy Levels: Grades 11-12 Units of Credit: 0.50 Core Code: 01-00-00-00-100 Prerequisite: None COURSE DESRIPTION The General Financial Literacy course for juniors and seniors encompasses

More information

Assist. Financial Calculators. Technology Solutions. About Our Financial Calculators. Benefits of Financial Calculators. Getting Answers.

Assist. Financial Calculators. Technology Solutions. About Our Financial Calculators. Benefits of Financial Calculators. Getting Answers. Assist. Financial s Technology Solutions. About Our Financial s. Helping members with their financial planning should be a key function of every credit union s website. At Technology Solutions, we provide

More information

account statement a record of transactions in an account at a financial institution, usually provided each month

account statement a record of transactions in an account at a financial institution, usually provided each month GLOSSARY GLOSSARY Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement

More information

MEETING THE OREGON STATE STANDARDS FINANCIAL AVENUE CORE CONCEPT EARNING SPENDING SAVING BORROWING PROTECT

MEETING THE OREGON STATE STANDARDS FINANCIAL AVENUE CORE CONCEPT EARNING SPENDING SAVING BORROWING PROTECT MEETING THE OREGON STATE STANDARDS Financial Avenue provides online courses to help students gain important knowledge about the basics of personal money management. The Financial Avenue online financial

More information

Checking Savings Investments

Checking Savings Investments Checking Savings Investments Checking Account 90% of transactions involving money are made with checks. What is a check? When opening a checking account at a financial institution the customer enters into

More information

Personal Financial Planning Questionnaire

Personal Financial Planning Questionnaire Part I: Personal and Family Information 1. Your General Information Your Full Name Your Date of Birth Your Place of Birth Your State of Residency s Full Name s Date of Birth s Place of Birth s State of

More information

Legal Name: All other names you have used in the last 6 years: Address, City, State, Zip: Mailing Address if different:

Legal Name: All other names you have used in the last 6 years: Address, City, State, Zip: Mailing Address if different: BANKRUPTCY INTERVIEW INSTRUCTIONS: The interview sheet contains basic information needed for your bankruptcy. Do the best to complete the information. If you do not know the answer, then write "I do not

More information

MATHEMATICS OF BUSINESS AND PERSONAL FINANCE (236)

MATHEMATICS OF BUSINESS AND PERSONAL FINANCE (236) DESCRIPTION This assessment is designed to represent the standards of learning that are essential and necessary for all students. The implementation of the ideas, concepts, knowledge, and skills will create

More information

Form M-433-OIS Statement of Financial Condition and Other Information

Form M-433-OIS Statement of Financial Condition and Other Information Form M-433-OIS Statement of Financial Condition and Other Information Rev. 6/09 Massachusetts Department of Revenue Complete all entries with the most current information available. For entries that do

More information

Compromise Application

Compromise Application Compromise Application Before we will consider accepting less than the full amount due, we must receive all of the information requested below. Your documentation will be reviewed and verified. A Revenue

More information

Ohio State Benchmarks Social Studies Economics: Personal Finance Family & Consumer Science - Personal Financial Literacy

Ohio State Benchmarks Social Studies Economics: Personal Finance Family & Consumer Science - Personal Financial Literacy Ohio State Benchmarks Social Studies Economics: Personal Finance Family & Consumer Science - Personal Financial Literacy Correlation to Virtual Business - Personal Finance Course Concepts Virtual Business

More information

Applied Economics Scope and Sequence Student Outcomes (Objectives Skills/Verbs)

Applied Economics Scope and Sequence Student Outcomes (Objectives Skills/Verbs) Title/ Length of Unit Standard/ Strand Essential Questions 1. recur throughout life 2. are key inquiries within discipline 3. help student make sense of core content Applied Economics Scope and Sequence

More information

Banking & Budgeting Basics: Making the most of your money

Banking & Budgeting Basics: Making the most of your money Growing Dollars and $ense Workshops Banking & Budgeting Basics: Making the most of your money Presented by The Coalition for Debtor Education www.debtoreducati0n.org This program is made possible by a

More information

PERSONAL FINANCIAL ORGANIZER

PERSONAL FINANCIAL ORGANIZER PERSONAL FINANCIAL ORGANIZER SENIOR SOLUTIONS OF AMERICA, INC. www.todaysseniors.com COPYRIGHT 2007 SENIOR SOLUTIONS OF AMERICA, INC. ALL RIGHTS RESERVED. ORGANIZING YOUR PERSONAL FINANCES Are your financial

More information

HS Personal Finance Curriculum

HS Personal Finance Curriculum HS Personal Finance Curriculum Course Description: This curriculum presents essential knowledge and skills to help students make informed decisions about real world financial issues. Students will learn

More information

Student Take Home Guide. Money Smart. Pay Yourself First

Student Take Home Guide. Money Smart. Pay Yourself First Student Take Home Guide Money Smart Table of Contents Table of Contents...1 Money Smart...2...3 Worksheet...4 Plan...5 Savings Tips...6 Compound Dividends Exercise...8 Compound Dividends...9 Savings $1

More information

Personal Financial Responsibility Instruction Guidelines for Implementation

Personal Financial Responsibility Instruction Guidelines for Implementation Personal Financial Responsibility Instruction Guidelines for Implementation Digest This policy establishes guidelines for school corporations to meet the legislated requirements for including instruction

More information

Young Adults Glossary Terms

Young Adults Glossary Terms Young Adults Glossary Terms 529 Plan A program set up to allow an adult to either prepay, or contribute to an account established for paying, a student's qualified education expenses at an eligible educational

More information

LOSS MITIGATION APPLICATION

LOSS MITIGATION APPLICATION Loan Number: {1} LOSS MITIGATION APPLICATION COMPLETE ALL PAGES OF THIS FORM See Instructions corresponding with numbers in brackets {} on form BORROWER {3} CO BORROWER {4} Borrower s Name Co Borrower

More information

Credit Workshop. What I need to know about credit and lending products of financial institutions. Financial Education Supported by:

Credit Workshop. What I need to know about credit and lending products of financial institutions. Financial Education Supported by: Credit Workshop What I need to know about credit and lending products of financial institutions. Financial Education Supported by: Concept Checklist What will I learn today? [ ] What is Credit? [ ] Advantages/

More information

A FIVE-STEP CHECKLIST FOR RETIREMENT INCOME PLANNING

A FIVE-STEP CHECKLIST FOR RETIREMENT INCOME PLANNING 77 Access Road, Suite 6, Norwood, MA 02062 Tel (781) 278-9488 Fax (781) 278-9489 www.proficientwealth.com A FIVE-STEP CHECKLIST FOR RETIREMENT INCOME PLANNING STEP 1 Expense Inventory Estimate monthly

More information

Eco: Personal Finance

Eco: Personal Finance Name Project Date: Eco: Personal Finance 1. Go to one of the following sites, or choose your own bank and answer the questions below. Be sure the bank you choose has local branches. www.bankofamerica.com

More information

QUICKLEARN PLATFORM. Topic Catalog

QUICKLEARN PLATFORM. Topic Catalog QUICKLEARN PLATFORM Topic Catalog Personal QUICKLEARN Topics Share Draft Accounts 5601 Internet Safety... 5 5602 The Importance of Passwords... 5 5603 Mobile Banking... 5 5604 Online Banking... 5 5682

More information

STEP 1: DOCUMENT COLLECTION

STEP 1: DOCUMENT COLLECTION STEP 1: DOCUMENT COLLECTION Because your filing will require many details and documents and because the court is both picky and strict about information, documents are needed from you. Income Tax Returns

More information

5 Effective Savings Strategies GL 04/09

5 Effective Savings Strategies GL 04/09 5 Effective Savings Strategies GL 04/09 1 Table of Contents THE BASICS A. Saving vs. Investing B. The Time Value of Money C. The Miracle of Compounding Interest THE HOW 1. Make Automatic Transfers 2. Set

More information

Saving to Build Wealth Make Money Work for You

Saving to Build Wealth Make Money Work for You Saving to Build Wealth Make Money Work for You Getting started on saving Building wealth is like building a brick wall. You place one brick on top of another and make sure the wall is solid before you

More information

Glossary of Terms. Automated Clearing House (ACH) -Electronic method that allows debits and credits to run through member s account.

Glossary of Terms. Automated Clearing House (ACH) -Electronic method that allows debits and credits to run through member s account. 1 ABIL (Avoid Being In Line) -Automated service which allows members to make transfers, payments, and check balances. Accessible 24/7. Automated Clearing House (ACH) -Electronic method that allows debits

More information

Canada Deposit Insurance Corporation (CDIC) a federal government organization that provides insurance to protect money deposited in Canadian banks

Canada Deposit Insurance Corporation (CDIC) a federal government organization that provides insurance to protect money deposited in Canadian banks Glossary Following are definitions for key words as they are used in the financial life skills resource. They may have different or additional meanings in other contexts. A account an arrangement at a

More information

HINDS COMMUNITY COLLEGE STUDENT FINANCIAL LAB PROGRAM. An outline of the personal finance knowledge and skills that students should possess.

HINDS COMMUNITY COLLEGE STUDENT FINANCIAL LAB PROGRAM. An outline of the personal finance knowledge and skills that students should possess. HINDS COMMUNITY COLLEGE STUDENT FINANCIAL LAB PROGRAM National Standards An outline of the personal finance knowledge and skills that students should possess. Jackson Rankin Raymond Utica Vicksburg Table

More information

Pay Yourself First. Identify Steps You Can Take to Save The following tips will help you to save your flexible income.

Pay Yourself First. Identify Steps You Can Take to Save The following tips will help you to save your flexible income. Pay Yourself First Use this tip sheet to help you in the process of setting and reaching your personal savings goals. This tip sheet covers the following topics: Identifying steps you can take to save

More information

PRESCOTT UNIFIED SCHOOL DISTRICT District Instructional Guide Revised 6/3/15

PRESCOTT UNIFIED SCHOOL DISTRICT District Instructional Guide Revised 6/3/15 PRESCOTT UNIFIED SCHOOL DISTRICT District Instructional Guide Revised 6/3/15 Grade Level: ll th and l2th Subject: Business Tech Math Quarter/Semester:l/l Core Text: Business Math Time Block Unit / Theme

More information

Agenda. 1. Assessing Your Situation A. 3 types of consumers B. Net Worth C. Net Cash Flow

Agenda. 1. Assessing Your Situation A. 3 types of consumers B. Net Worth C. Net Cash Flow 1 Agenda 1. Assessing Your Situation A. 3 types of consumers B. Net Worth C. Net Cash Flow 2. Revolving Credit A. Credit vs. Charge vs. Debit Cards B. Tips on Revolving Credit C. Home Equity Line Credit

More information

2014 Client Organizer Questionnaire

2014 Client Organizer Questionnaire 2014 Client Organizer Questionnaire NOTE: We cannot complete your 2014 personal income tax returns without these questions being answered and the last page being signed. Please check the appropriate box

More information

PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE

PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE PERSONAL WEALTH DEVELOPMENT QUESTIONNAIRE Canby Financial Advisors, LLC 161 Worcester Road, Suite 408 Framingham, MA 01701 Phone 508-598-1082 Fax 508-598-1087 www.canbyfinancial.com Securities and some

More information

FAST Financial Aid for School Tuition Following is the list of questions asked by the FAST program.

FAST Financial Aid for School Tuition Following is the list of questions asked by the FAST program. FAST Financial Aid for School Tuition Following is the list of questions asked by the FAST program. Applicant Information This information needs to be completed for each student applying for aid. 101 Name

More information

2014 1040 Questionnaire

2014 1040 Questionnaire 2014 1040 Questionnaire Please check the appropriate box. Any YES answers require you to attach details and/or documentation! Personal Information YES NO Did your marital status change during the year?...

More information

COMPLETING A PERSONAL NET WORTH STATEMENT (Personal Net Worth Statements and Related Financial Information Are Not Subject To Public Disclosure Laws)

COMPLETING A PERSONAL NET WORTH STATEMENT (Personal Net Worth Statements and Related Financial Information Are Not Subject To Public Disclosure Laws) COMPLETING A PERSONAL NET WORTH STATEMENT (Personal Net Worth Statements and Related Financial Information Are Not Subject To Public Disclosure Laws) For New Applicants: All Owners Claiming Disadvantaged

More information

Honolulu, Hawaii 96813-5010 (808) 593-2199

Honolulu, Hawaii 96813-5010 (808) 593-2199 Honolulu, Hawaii 96813-5010 (808) 593-2199 BUSINESS BANKRUPTCY -- CLIENT INFORMATION WORKSHEETS DEBTOR JOINT DEBTOR FULL NAME: STREET ADDRESS: MAILING ADDRESS: COUNTY: HOME PHONE: WORK PHONE: FAX (if available)

More information

BankFirst Mortgage Services

BankFirst Mortgage Services BankFirst Mortgage Services Thank you for taking the time to educate yourself on your new mortgage loan. We understand that it is a difficult process for new home buyers. We ll be happy to answer any question

More information

Tools, Resources & Information for Your Website And Your Other Marketing Efforts. Two Alternatives for You to Consider

Tools, Resources & Information for Your Website And Your Other Marketing Efforts. Two Alternatives for You to Consider Tools, Resources & Information for Your Website And Your Other Marketing Efforts Help consumers make better decisions while positioning your products as solutions they need. Two Alternatives for You to

More information

Financial Planning Basics Financial Planning Fundamentals

Financial Planning Basics Financial Planning Fundamentals Financial Planning Basics Financial Planning Fundamentals An Overview of the Financial Planning Process The Ground to Cover Setting goals Budgeting Emergency fund Insurance Using credit Investing Tax planning

More information

Tax Preparation by Robin G Wixom, LLC

Tax Preparation by Robin G Wixom, LLC Tax Preparation by Robin G Wixom, LLC 2015 TAX ORGANIZER Please fill out the following questionnaire and gather the applicable documents. If you choose to send the documents via e-mail, please encrypt

More information

Glossary. Copyright 2008 Thomson Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.

Glossary. Copyright 2008 Thomson Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part. 380 A adjustable rate mortgage A loan agreement in which the interest rate, payment amount, and length of the loan can change over time adjusted balance method A method of computing finance charges in

More information

Personal Financial Statements

Personal Financial Statements Personal Financial Statements Overview Personal financial statements provide a summary of an individual s financial situation. The most commonly used financial statements are the Net Worth Statement and

More information

Course Outcome Summary

Course Outcome Summary of 6 https://witc.wids.org/projects/default.aspx?id=96bd5f3c-fdd0-4ab5-950... 11/16/2015 9:14 AM Wisconsin Indianhead Technical College Course Outcome Summary Course Information Alternate Title Description

More information

Financial Planning for Physicians

Financial Planning for Physicians Financial Planning for Physicians Harvard Medical School March 20, 2014 Presented by: Richard Sentnor 1 Introductions 8th year speaking at Harvard Focus: Residency to retirement Doctors all around the

More information

New York Education Objectives Personal Finance Course

New York Education Objectives Personal Finance Course New York Education Objectives Personal Finance Course Correlation to Virtual Business - Personal Finance Virtual Business Course Concepts Personal Finance NY Dept of Education Recommended Course Outline

More information

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit

Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit Chapter Objectives Chapter 6. Short Term Credit Management To evaluate reasons for and against using credit and decide whether or not credit is appropriate for you. To be able to take the necessary steps

More information

A Glossary of Bank Terms

A Glossary of Bank Terms A Glossary of Bank Terms Below you will find key words and definitions to help you better understand the terms used in the financial services industry. ABA American Bankers Association. Account Ownership

More information

Your Money Matters! Financial Literacy Teacher Guide. Thanks to TD for helping us bring this resource to schools for free.

Your Money Matters! Financial Literacy Teacher Guide. Thanks to TD for helping us bring this resource to schools for free. Your Money Matters! Financial Literacy Teacher Guide 2 Table of Contents: Introduction...3 Toronto Star epaper...4 Financial Awareness Inventory...5 SPENDING To Spend or Not to Spend Activity...6 I Need

More information

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number):

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number): Law Office of Jeffrey B. Kelly, P.C. Chapter 7 Chapter 13 Bankruptcy Questionnaire DEBTOR INFO: How did you first hear about my office? Office Location Debtor s Full Legal Name: SS# DOB: Spouse s Full

More information

Bank Products What s Insured and What s Not

Bank Products What s Insured and What s Not Bank Products Bank Products What s Insured and What s Not In their search for higher returns, many cus-tomers of banks and credit unions are look-ing beyond traditional savings accounts to investment products

More information

INSTRUCTIONS FOR COMPLETING OFFICIAL FORM 7. STATEMENT OF FINANCIAL AFFAIRS (Revised 2/01) I. INTRODUCTION

INSTRUCTIONS FOR COMPLETING OFFICIAL FORM 7. STATEMENT OF FINANCIAL AFFAIRS (Revised 2/01) I. INTRODUCTION INSTRUCTIONS FOR COMPLETING OFFICIAL FORM 7 STATEMENT OF FINANCIAL AFFAIRS (Revised 2/01) I. INTRODUCTION The Statement of Financial Affairs provides a summary of the debtor's financial history, transactions,

More information

INITIAL CLIENT QUESTIONNAIRE Financial. Name: SSN: DOB: Spouse: SSN: DOB: Address: City: State: Zip: Length of Residence:

INITIAL CLIENT QUESTIONNAIRE Financial. Name: SSN: DOB: Spouse: SSN: DOB: Address: City: State: Zip: Length of Residence: FOR OFFICE USE ONLY Chapter 7 13 Individual Joint Attorney s Fee: Filing Fee: INITIAL CLIENT QUESTIONNAIRE Financial Date: Name: SSN: DOB: Spouse: SSN: DOB: Address: City: State: Zip: County: Length of

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information

APPENDIX I: INCOME AND ASSETS

APPENDIX I: INCOME AND ASSETS APPENDIX I: INCOME AND ASSETS Annual Income Annual gross income means all amounts, monetary or not, which go to, or on behalf of, the family head or spouse or to any other family member received from a

More information

The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges

The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges CREDIT DEFINITIONS Credit Trust given to another person for future payment of a loan,

More information

FINANCIAL LITERACY SAMPLE EXAM QUESTIONS

FINANCIAL LITERACY SAMPLE EXAM QUESTIONS FINANCIAL LITERACY SAMPLE EXAM QUESTIONS These test questions were developed by Working in Support of Education (w!se). A descriptive test key, including answer rationale, has been provided. Copyright

More information

Core Financial Literacy

Core Financial Literacy Core Financial Literacy Financial Literacy helps students recognize and develop vital skills that connect life and career goals with personalized strategies and milestone-based action plans. Students explore

More information

Unit 3 - Financial Services

Unit 3 - Financial Services Unit 3 - Financial Services Credit Unions vs. Banks Banks For profit companies owned by shareholders Offer services to everyone who wants to apply Owned by shareholders; customers do not vote Deposits

More information

lesson twelve saving and investing overheads

lesson twelve saving and investing overheads lesson twelve saving and investing overheads pay yourself first (a little can add up) example 1: Save this each week At % Interest In 10 years you ll have $7.00 5% $4,720 14.00 5% 9,440 21.00 5% 14,160

More information

DAILY ASSESMENTS: Answer Key

DAILY ASSESMENTS: Answer Key DAILY ASSESMENTS: Answer Key DAY 1: Your Financial Road Map Getting Started 1. Russell Simmons is referred to as an entrepreneur? Provide a definition or example of an entrepreneur. (A: An entrepreneur

More information

Career & Financial Management High School Financial Planning Program

Career & Financial Management High School Financial Planning Program Career & Financial Management High School Financial Planning Program MULTIPLE CHOICE 1. When shopping for a loan to buy a car, what question is NOT asked of the lender? a. What is the Interest Rate? c.

More information

Basics of Credit Reports and Credit Scores

Basics of Credit Reports and Credit Scores Basics of Credit Reports and Credit Scores What is a Credit Score? A credit score is a number lenders use to help them predict the likelihood (risk) that you will repay your debt as agreed. For this reason,

More information

It lets you pay for expenses you could not afford with cash, such as a college education, a new vehicle, furniture or a home.

It lets you pay for expenses you could not afford with cash, such as a college education, a new vehicle, furniture or a home. USING CREDIT WISELY Credit Is An Important Financial Tool It lets you pay for expenses you could not afford with cash, such as a college education, a new vehicle, furniture or a home.

More information

Refund Anticipation Loans and Refund Anticipation Checks United Way of the Coastal Bend

Refund Anticipation Loans and Refund Anticipation Checks United Way of the Coastal Bend S E X A T G N I FIL Income Tax Return Preparation Refund Anticipation Loans and Refund Anticipation Checks United Way of the Coastal Bend INTRODUCTION United Way of the Coastal Bend (UWCB) is a nonprofit

More information

Teacher Resource Guide

Teacher Resource Guide Teacher Resource Guide EverFi - Financial Literacy EverFi - Financial Literacy teaches, assesses and certifies students in critical financial concepts through the latest online, interactive curriculum

More information

Doma.in Financial Domain Sale

Doma.in Financial Domain Sale AffinityRevenue.com $799 com Affinity Revenue 0 $ - 2001 690 AutomatedCashFlow.com $799 com Automated Cash Flow 5 $ 4.30 1999 AutomaticMoneySites.com $199 com Automatic Money Sites 0 $ - BigMoneySystems.com

More information

Personal Financial Planning Questionnaire

Personal Financial Planning Questionnaire MULHOLLAND FINANCIAL SERVICES Personal Financial Planning Questionnaire Conservative Financial Advice This comprehensive, personal financial planning summary is designed to help you take inventory and

More information

Banning Law Firm. 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508

Banning Law Firm. 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508 Banning Law Firm 10801 Lomas NE Ste. 104 Albuquerque, NM 87112 Office 883-9577 Fax 866-677-0508 Questionnaire Taxes Credit Report Paper Work Needed To File Counseling Certificate Pay Check Stubs Payment

More information

Personal Finance Course Outcome Summary Riverdale High School Information CourseTitle

Personal Finance Course Outcome Summary Riverdale High School Information CourseTitle Personal Finance Course Outcome Summary Riverdale High School Information CourseTitle Personal Finance Credits 0.5 Contact Hours 90 Instructional Area Business Instructional Level High School Organization

More information

Foundations for Success University of Central Florida Quality Enhancement Plan Concept Paper. Executive Summary

Foundations for Success University of Central Florida Quality Enhancement Plan Concept Paper. Executive Summary Foundations for Success University of Central Florida Quality Enhancement Plan Concept Paper Executive Summary Description: Federal and state funding for higher education has declined in the last ten years,

More information