Choices, Choices, Choices

Choices, Choices, Choices
Choosing Curriculum and Resources
MFEC 2010 Statewide Conference
MCUCD Programs
Free Tax Services
Individual Development Accounts
((IDA)) / Matched Savings
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MISSION:
To implement programs through
Montana’s Credit Unions that
improve the social and economic
well-being of all Montanans.
The key to really great financial
education is meeting participants
where they are with respect to financial
providing
g them
education and then p
Alternatives to Payday Loans
with the information, skills, building
Financial/Consumer Education
opportunities and experiences that
www.montanacreditunions.coop
lead them to where they want to be.
- Inger Guiffrida
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Think Life Events
$
Transactions
$ Rent an apartment
$
First job
$ Marriage? Kids?
$
First car
$ Buy first home
$
Move away from $
home
$
College
$
First credit need
$
Start career
$
$
$
Financial Education Topics
Identifying and applying values
Settings goals
Understanding psychology of
money/attitudes about money
Making a budget
Keeping a budget
Communicating about money
Finding money to save
Investing
Retirement planning
Predatory Lending
Job layoffs
Financial Education Topics
Resisting pressures to spend
Reading and interpreting
a credit report
Using specific strategies to build,
repair and maintain credit
Understanding principles of investing
Protecting assets
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Options for Providing
Financial Education
Workshops
Mentoring / Coaching
1-on-1
1
1 Counseling
C
li
On-line/web based curriculum
Self-study
Providing Resources
Thrive By Five
How can I teach my preschooler…
Wait to spend money?
Not lose money?
Help with shopping?
Earn money?
Use money to buy something?
When money is spent, it is gone?
www.creditunion.coop/pre_k/index.html
Money on a Bookshelf
Targeted at parents of
youth ages 4 – 10
allows the money management
concepts to be taught in a way that
makes it easier for both parents and
children to grasp
www.unce.unr.edu/Western/
SubWebs/MoneyOnTheBookshelf
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Biz Kid$
PSB Series - kids teaching kids about
money and business
39 Episodes
Upper Elementary and Middle School
Companion Curriculum
www.bizkids.com
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What’s Provided
NEFE –
High School Financial Planning Program
Instructor’s Manual
6 unit curriculum
Provided FREE
Linked to National Standards
Concept based – doesn’t “sell”
products or preferences to one Fin.
Institution
Student Guide
Information Packet
Developed by:
Offered in partnership with:
http://hsfpp.nefe.org
Student Guide
Instructor Manual
Presentation
Visuals
Data Disk
FDIC – Money Smart
Available for FREE
Web Sites / Web Tools / Web Games
Instructor Manual
Certificate of
Completion
(powerpoints, talking points, handouts)
Online Training
Take-Home
TakeBrochure
Spanish
Version
Ten Money Smart Training Modules
www.fdic.gov/consumers/consumer/
moneysmart/order.html
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Finding Paths to Prosperity
BY Design
Financial Solutions
Great for IDA programs
Financial Firsts
A Guide To A Solid Financial Future
Ten Chapters
Ch
Personal Finance Management
http://cfed.org/knowledge_center/
publications/savings_financial_security/
finding_paths_to_prosperity/index.html
360 Degrees of
Financial Literacy
CPA Profession – launched in 2004
Consumer Resources
CPA Resources
Montana – Operation CPA
www.bydesignsolutions.org
AARP
Consumer Fraud Kit
6 Topics
Instructor Manual
Power Point Presentations,
Handouts,
www.360financialliteracy.org
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Online Curriculums
www.practicalmoneyskills.com
Practical Money Skills
www.practicalmoneyskills.com
Money Skill
www.moneyskill.org
www.moneyskills.org
Jump$tart Coalition
www.jumpstart.org
Reality Game
Clearinghouse
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www.whatsmyscore.org
www.montanacreditunions.coop
Consumer Tip
of the Week
Consumer
Education
Resources
Program
Information
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Additional Resources
Office of Consumer Protection
www.doj.mt.gov/consumer/
Additional Resources
Free Annual Credit Report
www.annualcreditreport.com
MSU Extension Service - Publications
Security Freeze (Office of Consumer Protection)
FDIC Consumer Protection
Opt Out of Prescreened Offers
www.fdic.gov/consumers/index.html
1-888-5-OPTOUT or www.optoutprescreen.com
National Fraud Information Center
On Guard On-line
www.fraud.org/welcome.htm
www.onguardonline.gov/index.html
Fighting Back Against ID Theft
FakeChecks.org www.fakechecks.org
www.extn.msu.montana.edu/publications.asp
www.ftc.gov/bcp/edu/microsites/idtheft//
FTC Micro Site Resources
National Do Not Call Registry
www.doj.mt.gov/consumer/consumer/securityfreeze.asp
FTC Micro Site Resources
www.ftc.gov/donotcall
Charity Fraud www.ftc.gov/charityfraud/
C
Cross
Border
B d Fraud
F d www.ftc.gov/crossborder/
f
/
b d /
Privacy Initiatives www.ftc.gov/privacy/
www ftc gov/privacy/
Online Shopping www.ftc.gov/onlineshopping/
Job Scams www.ftc.gov/jobscams/
Spam www.ftc.gov/spam/
Business Opportunities www.ftc.gov/bizopps/
Spyware www.ftc.gov/spyware
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Loss of Job
FDIC : Managing Your Money in Good Times and Bad http://www.fdic.gov/consumers/consumer/news/cnwin0809/
Helping Friends Cope with Financial Crisis http://msuextension.org/publications/
y
g
p
FamilyFinancialManagement/MT200206HR.pdf
Payday Loans Equal Very Costly Cashhttp://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt060.pdf
Schedule of Non-Monthly Family Living Expenses http://msuextension.org/publications/
FamilyFinancialManagement/MT198910HR.pdf
Knee Deep in Debthttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.pdf
Karen Smith –
[email protected]
101 N. Rodney
Helena, MT 59601
1-800-745-5546, ext. 124
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