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Oct
22
Mon
2018
Money Smart Small Business [201808]
Oct 22 @ 10:00 AM – 11:00 AM
Money Smart Small Business [201808]

Get ready to become a small business owner
or strengthen a business you already have.

Entrepreneurship is exciting, scary, and comes with a lot of responsibility. Getting the right information and resources can help ease a lot of the initial stress and help you to reboot – if you ever have too.

The 13-module Money Smart for Small Business (MSSB) curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to provide a practical introduction to topics related to starting and managing a business.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

 
[/su_pullquote]

Dates and Topics

Monday, August 6, 2018 – 10:00 AM US Central
Is Owning a Business a Good Fit for You?

  • Distinguish the myths and realities of small business ownership.
  • Start a self-assessment to determine their readiness to become business owners.
  • Set a plan of action gathering feedback from family, friends and potential customers.

Monday, August 13, 2018 – 10:00 AM US Central
Planning for a Healthy Business

  • Convert a vague idea into a resource plan.
  • Understand how a business plan helps motivate stakeholders to support their business ideas.
  • Understand the importance of personal credit and a healthy relationship with lenders.

Monday, August 20, 2018 – 10:00 AM US Central
Organization Types – Pros and Cons of Business Structures

  • Sole Proprietorship
  • Partnership
  • Limited Liability Company (LLC)
  • C-corporation
  • S-corporation

Monday, August 27, 2018 – 10:00 AM US Central
Time Management – tips to make you more efficient

  • Improve their time management skills.
  • Apply some common time management practices, such as:
    • ABC Analysis
    • Pareto Analysis
    • Eisenhower Method
    • POSEC Method

Monday, September 3, 2018 – 10:00 AM US Central
Financial Management – understanding this critical practice

  • Understand the essentials of financial management.
  • Apply financial management practices, rules, and tools most relevant for small businesses.
  • Prepare for common business financing needs: start-up finance, working capital, and fixed asset loans.

Monday, September 10, 2018 – 10:00 AM US Central
Managing Cash Flow

  • Understand the purpose of cash flow management in a small business.
  • Make cash flow projections based on the cash cycle.
  • Identify some ways to manage cash flow, including receivables and payables.
  • Work more effectively with technical experts.

Monday, September 17, 2018 – 10:00 AM US Central
Recordkeeping As A Managerial Tool

  • Improve their overall recordkeeping practices.
  • Apply tricks and tools relevant to their business.
  • Choose among various software to support their recordkeeping.

Monday, September 24, 2018 – 10:00 AM US Central
Banking Services Designed For Small Businesses

  • Recognize the most common banking services for small businesses, including merchant services, payroll processing, business credit and others.
  • Understand how other small business owners decide which banking services to use.
  • Evaluate the applicability of each of banking service to their business needs.

Monday, October 1, 2018 – 10:00 AM US Central
Credit Reporting Demystified

  • Understand how credit reports are used in the underwriting of business loans.
  • Apply common business practices and tools to help in proper credit reporting.
  • Develop strategies to build or improve their business’ credit.
  • Protect themselves from credit-related scams and know what to do if their business becomes a victim.

Monday, October 8, 2018 – 10:00 AM US Central
Risk Management – planning for what you can and cannot control

  • Understand the external and internal factors which affect risk for a small business.
  • Recognize the common warning signs of risk for a small business.
  • Implement, monitor, and evaluate a risk management plan for their business.

Monday, October 15, 2018 – 10:00 AM US Central
Insurance Choices For Businesses

  • Understand their business’ insurance needs.
  • Choose the insurance products that are best for their business.

Monday, October 22, 2018 – 10:00 AM US Central
Tax Planning and Reporting

  • Predict their businesses’ federal, state and local tax liabilities.
  • Prepare for tax obligations and establish proper accounts.
  • Obtain the proper licenses for their business and meet reporting requirements.

Monday, October 29, 2018 – 10:00 AM US Central
Selling Your Business and Succession Planning

  • Incorporate life-cycle issues into their management planning.
  • Decide the best option for them to exit their business.
  • Prepare for retirement.

Oct
24
Wed
2018
Money Smart 3rd-5th Graders [201808]
Oct 24 @ 12:00 PM – 1:00 PM
Money Smart 3rd-5th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 8-module Money Smart for Grades 3 – 5 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 3rd through 5th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our kids about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Wednesday, August 8, 2018 – 12:00 PM Central
Money Matters: Buying Decisions

  • Explain the difference between needs and wants, and identify examples of each.
  • Compare and prioritize needs and wants.
  • Evaluate different choices when making a purchase.
  • Discuss impulse buying.
  • Discuss and explain opportunity cost.

Wednesday, August 15, 2018 – 12:00 PM Central
Get Set for Goals Setting Goals

  • Identify and develop ways to set short-term and long-term goals for saving.
  • Explain the importance of setting goals for saving.
  • Identify things that might affect decisions to spend or save money.

Wednesday, August 22, 2018 – 12:00 PM Central
Make a Plan Budgeting

  • Explain the term “budget”.
  • Identify categories of a budget (income, expenses, savings).
  • Create a budget.
  • Apply budgeting skills to real-world scenarios.
  • Understand the concept of “pay yourself first”.

Wednesday, August 29, 2018 – 12:00 PM Central
Save Your Money Saving

  • Explain what banks do and what interest is.
  • Name benefits of saving money in a bank versus at home.
  • Understand risks and why it’s important to save for emergencies.
  • Evaluate real-world scenarios that focus on saving for emergencies, unexpected events, or purchases.
  • Create an infographic to show possible risks for a real-world scenario.

Wednesday, September 5, 2018 – 12:00 PM Central
Which Way to Pay? Payment Options

  • Explain the concept of credit and debit (including checks and money orders).
  • Compare and contrast various payment methods (cash, credit, and debit).
  • Apply knowledge of payment options to real-world scenarios.
  • Discuss the consequences of paying back credit past the due date.
  • Discuss identity theft and types of personal information that should not be shared.

Wednesday, September 12, 2018 – 12:00 PM Central
Get Invested! Introduction to Investing

  • Explore the basic concepts of investing, including risk and return.
  • Compare and contrast several kinds of investments.
  • Analyze the savings outcome of several investment options.
  • Explain the value of long-term financial planning.

Wednesday, September 19, 2018 – 12:00 PM Central
It’s Great to Donate! Charitable Giving

  • Explain the meaning of charitable giving, and its rewards.
  • Create a plan to raise money for a charitable cause.
  • Research various charitable causes.
  • Organize a charity drive.

Wednesday, September 26, 2018 – 12:00 PM Central
Career Choices: Exploring Careers and Income

  • Identify and explore different types of jobs.
  • Evaluate personal interests related to careers.
  • Explain how money is earned and why it is taxed.
  • Explain what an entrepreneur is.

Oct
25
Thu
2018
Money Smart 6th-8th Graders [201808]
Oct 25 @ 10:00 AM – 11:00 AM
Money Smart 6th-8th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 12-module Money Smart for Grades 6 – 8 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 6th through 8th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young teens about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 10:00 AM Central
The Path to Success Career and Job Opportunities

  • Identify and assess the skills and experience needed for a variety of careers.
  • Examine the impact of education and other opportunities like internships on career trajectory.
  • Create a path for advancing in a career field.

Thursday, August 16, 2018 – 10:00 AM Central
Bread and Butter Introduction to Taxes

  • Understand and explain the purpose of federal income and state tax and how it affects personal income.
  • Apply mathematical skills and concepts to tax brackets and personal income.
  • Describe and evaluate the importance of the current federal income tax system.

Thursday, August 23, 2018 – 10:00 AM Central
Designing Dreams Through Financial Goals

  • Identify and explain needs and wants.
  • Identify their own financial values and apply those values to their financial goals.
  • Create a financial goal and develop the process to achieve it, factoring in possible barriers to that goal.
  • Understand an explain the importance of creating financial goals.

Thursday, August 30, 2018 – 10:00 AM Central
Smart Shopping: How To Be A Savvy Shopper

  • Consider the role of needs and wants in decision making.
  • Evaluate the credibility and motivation of marketing and advertising.
  • Distinguish the best value of goods and services.
  • Define and apply opportunity cost to purchases.

Thursday, September 6, 2018 – 10:00 AM Central
Go With The Flow: Cash Flow and Budgeting

  • Explain the purpose and value of budgeting.
  • Explain the budget categories: fixed expenses, variable expenses, and discretionary expenses.
  • Create a budget accounting for income, expenses, and unexpected scenarios.

Thursday, September 13, 2018 – 10:00 AM Central
Super Savers: The Importance of Saving

  • Understand and explain the importance of saving money.
  • Evaluate methods for saving money, both for a scenario and in their own lives.

Thursday, September 20, 2018 – 10:00 AM Central
Savings Options: How to Stash Your Cash

  • Evaluate and differentiate a variety of banking and savings options.
  • Identify the benefits of creating a savings account.
  • Understand compound interest and how it can increase savings.

Thursday, September 27, 2018 – 10:00 AM Central
Money Doesn’t Grow on Trees! Here Are Some Investing Options

  • Understand investment growth, losses, reward, and risk by developing and tracking a stock portfolio.
  • Demonstrate a general understanding of investment vehicles, like bonds, stocks, and mutual funds.
  • Create investment tips for an adult audience.

Thursday, October 4, 2018 – 10:00 AM Central
Credit and Debit: Giving Credit Where Credit Is Due

  • Understand how to build credit and practices that may hurt credit.
  • Identify the economic benefits of good credit.
  • Discuss the consequences of debt.

Thursday, October 11, 2018 – 10:00 AM Central
Protect Yourself! Protect Your Identity

  • Create a trifold informative brochure on identity theft and prevention methods.
  • Apply information about identity theft and prevention in realistic role-plays.

Thursday, October 18, 2018 – 10:00 AM Central
Risky Business: Financial Risk Is Everywhere

  • Identify methods to protect oneself from unwanted financial risk.
  • Create a risk management plan for a purchase.

Thursday, October 25, 2018 – 10:00 AM Central
Spend, Save, or Give? You’ve Got Personal Financial Choices!

  • Create a balanced budget with spending, saving, and giving.
  • Analyze personal decision making when crafting a budget.

Money Smart 9th-12th Graders [201808]
Oct 25 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.

Oct
29
Mon
2018
Money Smart Small Business [201808]
Oct 29 @ 10:00 AM – 11:00 AM
Money Smart Small Business [201808]

Get ready to become a small business owner
or strengthen a business you already have.

Entrepreneurship is exciting, scary, and comes with a lot of responsibility. Getting the right information and resources can help ease a lot of the initial stress and help you to reboot – if you ever have too.

The 13-module Money Smart for Small Business (MSSB) curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to provide a practical introduction to topics related to starting and managing a business.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

 
[/su_pullquote]

Dates and Topics

Monday, August 6, 2018 – 10:00 AM US Central
Is Owning a Business a Good Fit for You?

  • Distinguish the myths and realities of small business ownership.
  • Start a self-assessment to determine their readiness to become business owners.
  • Set a plan of action gathering feedback from family, friends and potential customers.

Monday, August 13, 2018 – 10:00 AM US Central
Planning for a Healthy Business

  • Convert a vague idea into a resource plan.
  • Understand how a business plan helps motivate stakeholders to support their business ideas.
  • Understand the importance of personal credit and a healthy relationship with lenders.

Monday, August 20, 2018 – 10:00 AM US Central
Organization Types – Pros and Cons of Business Structures

  • Sole Proprietorship
  • Partnership
  • Limited Liability Company (LLC)
  • C-corporation
  • S-corporation

Monday, August 27, 2018 – 10:00 AM US Central
Time Management – tips to make you more efficient

  • Improve their time management skills.
  • Apply some common time management practices, such as:
    • ABC Analysis
    • Pareto Analysis
    • Eisenhower Method
    • POSEC Method

Monday, September 3, 2018 – 10:00 AM US Central
Financial Management – understanding this critical practice

  • Understand the essentials of financial management.
  • Apply financial management practices, rules, and tools most relevant for small businesses.
  • Prepare for common business financing needs: start-up finance, working capital, and fixed asset loans.

Monday, September 10, 2018 – 10:00 AM US Central
Managing Cash Flow

  • Understand the purpose of cash flow management in a small business.
  • Make cash flow projections based on the cash cycle.
  • Identify some ways to manage cash flow, including receivables and payables.
  • Work more effectively with technical experts.

Monday, September 17, 2018 – 10:00 AM US Central
Recordkeeping As A Managerial Tool

  • Improve their overall recordkeeping practices.
  • Apply tricks and tools relevant to their business.
  • Choose among various software to support their recordkeeping.

Monday, September 24, 2018 – 10:00 AM US Central
Banking Services Designed For Small Businesses

  • Recognize the most common banking services for small businesses, including merchant services, payroll processing, business credit and others.
  • Understand how other small business owners decide which banking services to use.
  • Evaluate the applicability of each of banking service to their business needs.

Monday, October 1, 2018 – 10:00 AM US Central
Credit Reporting Demystified

  • Understand how credit reports are used in the underwriting of business loans.
  • Apply common business practices and tools to help in proper credit reporting.
  • Develop strategies to build or improve their business’ credit.
  • Protect themselves from credit-related scams and know what to do if their business becomes a victim.

Monday, October 8, 2018 – 10:00 AM US Central
Risk Management – planning for what you can and cannot control

  • Understand the external and internal factors which affect risk for a small business.
  • Recognize the common warning signs of risk for a small business.
  • Implement, monitor, and evaluate a risk management plan for their business.

Monday, October 15, 2018 – 10:00 AM US Central
Insurance Choices For Businesses

  • Understand their business’ insurance needs.
  • Choose the insurance products that are best for their business.

Monday, October 22, 2018 – 10:00 AM US Central
Tax Planning and Reporting

  • Predict their businesses’ federal, state and local tax liabilities.
  • Prepare for tax obligations and establish proper accounts.
  • Obtain the proper licenses for their business and meet reporting requirements.

Monday, October 29, 2018 – 10:00 AM US Central
Selling Your Business and Succession Planning

  • Incorporate life-cycle issues into their management planning.
  • Decide the best option for them to exit their business.
  • Prepare for retirement.

Nov
1
Thu
2018
Money Smart 9th-12th Graders [201808]
Nov 1 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.

Nov
8
Thu
2018
Money Smart 9th-12th Graders [201808]
Nov 8 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.

Nov
15
Thu
2018
Money Smart 9th-12th Graders [201808]
Nov 15 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.

Nov
22
Thu
2018
Money Smart 9th-12th Graders [201808]
Nov 22 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.

Nov
29
Thu
2018
Money Smart 9th-12th Graders [201808]
Nov 29 @ 12:00 PM – 1:00 PM
Money Smart 9th-12th Graders [201808]

Empowering Our Kids Through Financial Literacy

The 22-module Money Smart for Grades 9 – 12 curriculum was designed as part of a joint effort between the Federal Deposit Insurance Corporation (FDIC) and the U.S. Small Business Administration (SBA) to help 9th through 12th graders learn the basics of handling their money and finances, including how to create positive relationships with financial institutions.

[su_pullquote align=”right”]

Can’t attend the sessions?
Recordings will be available.

[/su_pullquote]Key personal finance concepts will be introduced in age-appropriate activities designed to teach our young adults about “paying yourself first,” “wants versus needs,” and other super important financial lessons we wish someone would have shared with us when we were younger!

Dates and Topics

Thursday, August 9, 2018 – 12:00 PM Central
Working Hard for the Money Career Options

  • Identify career options and education or training required for different careers.
  • Name sources of income.
  • Explain the relationship between income and taxes.
  • Demonstrate how to research and analyze different careers.

Thursday, August 16, 2018 – 12:00 PM Central
Designing Dreams Financial Planning

  • Determine personal values and financial goals.
  • Determine personal financial decisions.
  • Create a financial plan.
  • Summarize the purpose of financial planning.

Thursday, August 23, 2018 – 12:00 PM Central
Can You Pay Your Bills? Spending and Budgeting

  • Develop a plan for spending and saving.
  • Create a system for keeping financial records.
  • Identify personal income and expenses or system for cash flow management.

Thursday, August 30, 2018 – 12:00 PM Central
Boost Your Savings The Importance of Saving

  • Describe how savings affects financial well-being.
  • Explain compound interest.
  • Identify and research savings products.
  • Explain how interest is computed on savings.

Thursday, September 6, 2018 – 12:00 PM Central
Bank Your Bucks Choosing a Banking Partner

  • Analyze different financial institutions and conduct a comparative analysis of each institution.
  • Explain the key differences between checking and savings accounts.
  • Demonstrate how to control personal information.
  • Understand the benefits of using federally insured financial institutions.

Thursday, September 13, 2018 – 12:00 PM Central
Bread-and-Butter Managing Your Paycheck

  • Decode and identify elements of a paycheck.
  • Discuss how taxes, personal exemptions, and deductions impact net pay.
  • Explain how to calculate gross and net income.
  • Discuss the IRS Form W-4.

Thursday,September 20, 2018 – 12:00 PM Central
Capacity, Character, Collateral, Capital Credit

  • Define creditworthiness.
  • Evaluate positive and negative types of credit.
  • Explain credit factors and risks and how credit scores work.
  • Discuss how to maintain or increase credit score.
  • Explain how credit is damaged.

Thursday, September 27, 2018 – 12:00 PM Central
The Almighty Dollar? Credit Cards

  • Identify how credit cards differ from debit cards.
  • Discuss different types of credit cards.
  • Summarize credit card key terms and conditions and consumer protection laws.
  • Evaluate credit card offers and explain how to manage a credit card.
  • Demonstrate how to compute the debt-to-limit ratio.

Thursday, October 4, 2018 – 12:00 PM Central
As Easy as Pi Financial Ratios

  • Identify common financial ratios.
  • Demonstrate and explain how to calculate financial ratios.
  • Discuss how financial ratios impact financial decision making and creditworthiness.

Thursday, October 11, 2018 – 12:00 PM Central
Convertible or Clunker? Automobile Purchase

  • Research and investigate secured and unsecured installment loans.
  • Calculate how much car to afford.
  • Evaluate long-term costs associated with buying a car, including insurance and maintenance.
  • Explain the difference between leasing and purchasing.

Thursday, October 18, 2018 – 12:00 PM Central
Risky Business Risk Management and Insurance

  • Identify common risks and strategies to reduce risk.
  • Explain the purpose and importance of various insurance types.
  • Recognize when insurance is needed and how to get it.

Thursday, October 25, 2018 – 12:00 PM Central
Halls of Knowledge Financing College

  • Identify the costs of college.
  • Discuss student loan management.
  • Research and compare different college financial aid choices.
  • Discuss the earning potential of a degree in relationship to its cost.

Thursday, November 1, 2018 – 12:00 PM Central
13 The Policy of Personal Choice Understanding the Economy

  • Understand how the economy impacts personal financial choices.
  • Summarize monetary and fiscal policy.
  • Understand inflation.
  • Understand economic cycles.

Thursday, November 8, 2018 – 12:00 PM Central
Increasing the Value of Your Money Financial Markets and Investing

  • Understand how investing helps meet financial goals and build wealth over time.
  • Research and evaluate investment vehicles and resources.
  • Explain how investments are regulated.
  • Explain how investments can be impacted by economic and business cycles.

Thursday, November 15, 2018 – 12:00 PM Central
Road to Retirement Retirement Planning

  • Explain how long-term retirement savings through investing builds wealth.
  • Identify differences in retirement planning strategies.
  • Create a retirement plan.
  • Understand Social Security benefits.

Thursday, November 22, 2018 – 12:00 PM Central
Crash Pad Homeownership and Renting

  • Explain the responsibilities and expenses of renting versus owning.
  • Analyze renting versus homeownership.
  • Evaluate sound financial decision making for renting and owning property.
  • Discuss costs related to homeownership.
  • Discuss how homeownership can create wealth.
  • Understand the mortgage approval process.

Thursday, November 29, 2018 – 12:00 PM Central
Pocket Giving Charitable Giving

  • Evaluate charitable giving.
  • Analyze monetary and nonmonetary forms of giving.
  • Create a spending plan to include giving.
  • Discuss tax deductions for giving.

Thursday, December 6, 2018 – 12:00 PM Central
18 Paving the Future Estate Planning

  • Identify elements of an estate plan.
  • Evaluate how to title property.
  • Explain the importance of a will.
  • Understand the consequences of not having an estate plan.

Thursday, December 13, 2018 – 12:00 PM Central
Financial Sleuth Financial Resources

  • Demonstrate how to find and use financial resources.
  • Differentiate between credible and dishonest financial resources.
  • Define and explain the role of a financial planner.
  • Understand federal and state consumer protection laws and self-regulatory organizations.

Thursday, December 20, 2018 – 12:00 PM Central
Protect Yourself Consumer Protection

  • Explain identity theft.
  • Evaluate consumer rights and protection laws.
  • Demonstrate how to protect personal information.

Thursday, December 27, 2018 – 12:00 PM Central
Launching Your Dream Entrepreneurship 1: Starting a Business

  • Identify and consider risks and rewards of entrepreneurship.
  • Evaluate business start-up practices.
  • Explain how entrepreneurship and innovation are a source of economic growth.
  • Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on).

Thursday, January 3, 2018 – 12:00 PM Central
Maintenance Mode Entrepreneurship 2: Maintaining a Business

  • Understand and describe tax planning and reports.
  • Debate business management strategies.
  • Explain insurance choices for businesses.