Talking Financial Literacy Podcast- hosted by Mark Gura & Dr. Kathy King

Financial insider Ms. Joan Sabella sits down with Mark Gura to discuss how people can wisely and astutely manage their money, and make financial decisions. In this essential episode about personal finance literacy, topics range from credit card choices and use, and benefits of budgets, to mutual funds and risk tolerance surveys. Ms. Sabella has managed MainStay Balanced Fund since its inception in 1989. She is a Managing Director and has been with New York Life and Management LLC since 2000. Resources in this episode include resources for empowering women in finance, risk tolerance calculators and credit card comparison sites.

We predict you may want to share this with the people you care about- warm, friendly conversation enlightening us about critical financial issues.

 

Ms. Sabella’s Online Financial Counseling Column
“Ask Joan” http://www.newyorklife.com/cda/0,,16592,00.html

Always filled with resources and lively discussion, The Talking Financial Literacy Podcast. Join hosts Mark Gura and Dr. Kathleen P. King (Kathy) for another episode of this series which provides professional development and resources for educators, students and lifelong learners. Financial Literacy is Mission Critical Lifelong Learning.

Resources

• Risk Tolerance Calculators
  • http://winke.com/hfpc/hfpc/crisktoler.htm
  •  http://www.kiplinger.com/tools/riskfind.html
  •  http://www.firstambank.com/509.html
  •   http://toolsformoney.com/investment_calculators.htm

• Credit Card Comparison Sites  
  •  From MSN Money.com
    •   http://moneycentral.msn.com/banking/services/creditcard.asp
  • Credit cards.com
    •   http://www.creditcards.com/
  • Next Advisor (many comparisons, including credit cards)
    • http://www.nextadvisor.com/credit_cards/index.php

• Financial Women’s Association
  • http://www.fwa.org/

• New York Life and Management LLC
  • http://www.nylim.com/

•  The Equity Investor’s Group
  • http://www.nylim.com/mainstayfunds/

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Ep 13 Money Managment: Interview with Ms. Joan Sabela [30:19m]: Play Now | Play in Popup | Download (31)

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Mark and Kathy discuss a wide trend of financial literacy materials which raise ye olde timeless, legacy of Character Education. Indeed as national and global economies toss and turn day by day, people of all ages look for a mooring. A multitude of resources already exist which tap into critical lessons of responsibility and ethics along the way in teaching financial literacy concepts and skills. Don’t miss out on this important episode. Something very different, even unexpected- yet such a powerful connection to transform individuals and communities? Always full with resources and lively discussion, The Talking Financial Literacy Podcast.

The Great Seduction  - NY Times Article

By DAVID BROOKS,

NY Times OP-ED COLUMNIST

(June 10, 2008)

“Money. The Puritan legacy inhibited luxury and self-indulgence. Benjamin Franklin spread a practical gospel that emphasized hard work, temperance and frugality. Millions of parents, preachers, newspaper editors and teachers expounded the message. The result was quite remarkable.
……
Over the past 30 years, much of that has been shredded. The social norms and institutions that encouraged frugality and spending what you earn have been undermined. The institutions that encourage debt and living for the moment have been strengthened”

Article   

• Students are learning business strategy by playing entrepreneur.
  • Article – Entrepreneur.com

“The Definition of Character Education” ASCD website
“Character education involves teaching children about basic human values including honesty, kindness, generosity, courage, freedom, equality, and respect.
The goal is to raise children to become morally responsible, self-disciplined citizens. Problem solving, decision making, and conflict resolution are important parts of developing moral character. Through role playing and discussions, students can see that their decisions affect other people and things.”

Resources

Goodcharacter.com:  Character Education: Free Resources, Materials, Lesson Plans

• http://www.goodcharacter.com/
• http://www.goodcharacter.com/NFS/SchoolToWork.html
• http://www.goodcharacter.com/SERVICE/service.html

Legacy Educational Resources

• Character-education.info/Money
  

Role Models

• Thomas Edison - http://midgefrazel.net/edison.html

Stories with Ethical Themes

• Fun Money: Learning Finance Through Stories
  • @ Familyeducation.com

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Ep. 12 Financial Literacy Meets Character Education [22:31m]: Play Now | Play in Popup | Download (13)

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The emergence of simulations has taken the game industry by storm, but having fun while learning to be a CEO and become adept at financial literacy?
This isn’t our traditional school days! Instead, media companies have developed accurate, compelling simulation games which put learners(of all ages) into the director’s chair as they guide their company to success.

• Will they make the right decisions?
• OR will they be swayed by false information, incorrect projections or allegiances?

Kathy and Mark provide another riveting episode of Talking Financial Literacy in which they tour several of the best online games related to financial literacy learning.

Listen in for abundant resources, perspectives on critical thinking and constructivism all to continue our quest for developing better understanding and practice in personal finance. You will discover

• Several free online video games which teach entrepreneurship through virtual reality simulations
•  Educators’ inside looks at ease of setup, use, application and benefits of these programs.

Article
• From Entrepreneur.com

“Game Plans”

A very different use of games for “financial learning” File under Innovative Thinking

“Now Bellevue, Washington-based SimplyFun offers its own line of games, puzzles, puppets and other family activities. The exclusivity of the products is essential to direct-sales success, according to Molen and DeGiulio, because the products don’t have to compete with any others and the consultants don’t have to compete with retail stores. “We want to make it easy for the consultants to be successful,” says DeGiulio. To that end, they provide training in person, online, by video and through conference calls; choose not to charge their consultants for their website or require them to keep any inventory; and offer incentives to encourage their consultants to reach certain goals.

But they also realize that attracting and keeping consultants is about more than just money and rewards. “For your consultants to be excited and passionate about what you’re doing, they have to feel attached and connected to your mission,” says Molen. “Our mission is to promote play and get people to laugh, create memories and connect through face-to-face fun.” Guided by that mission, they have signed more than 1,000 consultants in 45 states, and the company saw 60 percent growth last year.”

Resources

• Johnny Money Financial Simulation - website and game

From NIFB website: “Now available from the NFIB Young Entrepreneur Foundation, Johnny Money Online Game is a FREE Internet-based small business simulation game that engages students as they explore the risks and rewards of business ownership. Johnny Money is the newest of the Entrepreneur-in-the-Classroom programs, which are designed to enable educators to talk about entrepreneurship in their classrooms.

Goals/Objectives: Students will be able to:
* Utilize experiential learning as a tool to aid in retention of entrepreneurial concepts
* Create, maintain, analyze and influence the essential factors in a successful virtual small business
* Experience, engage and interact with entrepreneurial decisions and events in a virtual setting”

• Industry Masters Online Simulation- YouTube video
• Industry Masters Online Simulation- also watch this one !
• JA Titan Simulation - website and game    

Set in the year 2035, JA Titan creates a world in which players are CEOs of their own companies. Originally conceived in the 1980s as the Management and Economic Simulation Exercise, or MESE, JA Titan is a widely recognized business simulation for high school students. During game play, students must run a manufacturing company and master six key business decisions: price of product, production levels, marketing expenses, research and development costs, capital investment level, and charitable giving. Various corporate assistants “help” the player through each phase, or “quarter,” of game play. In 2000, JA Worldwide™ (Junior Achievement) launched JA Titan under its current name as a Web-based product. ….

Success in JA Titan is measured by a “Performance Index,” an evaluation of each fictional company’s performance based on the following:
* Retained Earnings (50%)
* Supply and Demand Potential (20%)
* Productivity (10%)
* Market Share (10%)
* Growth (10%)

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Episode 11 SimBusiness- Free Biz Sims for Learning [22:44m]: Play Now | Play in Popup | Download (4)

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 Join us for an episode about connecting current financial issues to financial literacy.

Now for something very different as Mark and Kathy consider the recommendations made by Ross Perot to re-examine the national debt. How could it be this statesman is guiding us to financial literacy education?

In this episode Mark and Kathy discuss the National debt as a basis for financial literacy education. The Ross Perot Charts site offers abundant resources for information, education and critical analysis of how government economics impacts personal finance. http://perotcharts.com/

“The cowards never started, the weak died on the way, and the courageous survived.” Pioneer’s Creed

“We need action this day”

- Winston Churchill

 Resources

Babylon Today -National Debt Clock

http://www.babylontoday.com/national_debt_clock.htm

Zfacts.com

http://zfacts.com/p/461.html

 

Webquest on Democracy and National Debt

Look at Who’s Footing the Bill!

 http://www.kn.att.com/wired/democracy/debtquest.html

 

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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Youth and Entrepreneurship Interview with Dan Rabuzzi

 

NFTE 2007 Marketing Video

Join us for the second part of this informative and inspiring episode with Dan Rubuzzi, of NFTE. In this episode Dan continues to shareg his considerable experience and expert perspective on the current state of financial literacy learning, needs, and resources. You will gain much from these practical examples, resources and ideas you hear!

In addition, Mark and Kathy discuss some critical news items and resources to round out a rich episode to assist and guide educators, students and learners of all ages advance their understanding and mastery of personal financial literacy, and in this case entrepreneurship!

Global discussion of the ever changing needs emerging from the world of personal finance

Talking Fin Lit Episode Part 1 of Interview Click here

Lead Article

Pretend money may produce real academic gains
Students at a Washington, D.C., KIPP charter school earn pretend paychecks for completing homework, behaving well and improving academically and can trade the fake dollars for small items at the school store, like pens and pencil cases, or exchange it for rewards like being allowed to wear casual clothes on Fridays. The rewards motivate the children initially and help them develop better study habits; eventually, however, success becomes its own reward, say the program’s backers, such as principal Sarah Hayes of KEY Academy, which now sports some of D.C.’s top test scores despite its population of low-income, disadvantaged students. National Public Radio/Associated Press (6/13)

Resources

ZEROMILLION- Many articles here

• http://www.zeromillion.com/young/

The Evolution of a Young Entreprenuer2008-05-01 Ryan P Allis
Do You Have What It Takes?

2008-03-25 Ryan P Allis
Assimilation Into Organizational Communication

2006-05-04 Christin Gulick
Life Lessons For Young Entreprenurs

2005-06-17 Gary Drumm
5 Keys to Breaking Into Entrepreneurship

2005-05-12 Leigh Goldberg
Following the Way of the Entrepreneur

2005-03-30 James Coombs
Climbing Out of Your Comfort Zone

2005-03-21 Leigh Goldberg
ETC………………………

Teen Business Link from SBA

• Small Business Administration: this site is full of ideas and resources
• http://www.sba.gov/teens/

Raising Entrepreneurs

• Teaching, parenting and guiding students into fin lit
• http://raisingentrepreneurs.org/blog/

Teaching Kids About Money and Business

Good blog with post in the following categories:

o Business Concepts
o business Ideas
o Mindset
o News
o Parenting
o Personal Finance
o Schooling
o Teaching Ideas
o Young Entrepreneurs

So you get a variety of discussion perspectives on the above from interested individuals…

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Ep 9 Interview with Dan Rabuzzi (Part 2) : Play Now | Play in Popup | Download (9)

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 Ep 8 Talking Fin Lit - The Inside Story: Play Now | Play in Popup | Download (16)

Talking Fin Lit Meets Transformation Ed LIVE! 

This is a very  special - cross-country feature in order to bring you “the inside scoop” about your favorite personal financial literacy podcast.
The tables get turned and Mark and Kathy are interview by another podcaster! This episode provides the inside story on what is Talking Financial Literacy Podcast and how it came about? Just what exactly makes this series tick? Paige Eissinger of Transformation Education LIVE! asks pressing and curious questions about the Talking Fin Lit Series.Topics range from living on your credit line for necessities, to faulty mortgage lending possibilities, students targets for  credit card companies, and how BIG is financial literacy in our lives.

 Including the discussion, “When do we stop learning this topic?”

We are students of financial literacy for the rest of our lives.

Whether we want to be or not.

 

The Magical Math of A Virtual Interview:

3 Hosts + 1 Interviewer + 2 Interviewees + 2 Two Podcasts =

Resources, Info and Fun

All in the form of the  “Inside Scoop on Talking Fin Lit!”

RESOURCES

• Transformation Education LIVE!
  • www.transformationed.com/podcast
  • Series focused on technology, daily live and transforamtion! This podcast is developed and produced by Paige and Kathy on a bi-weekly basis.
  • It is very unique in that you can call-in or join the chat room to participated during the show’s live recording.
  • Details at the website
• The Teacher’s Podcast
  • www.teacherspodcast.org
  • A professional development podcast for teachers across content ares. This is Mark and Kathy’s flagship series where it all started in 2005.
  • Topics range from web resources, critical educational news items, interviews and curriculum ideas.
  • We are on our 2nd generation of this series with a cumulative 138 episodes

  • Details at the website.

• Mortgage Calculators
  • TD BankNorth   
    • A variety of specific calculators 
  • Wachovia mortgage calculators
    • Mortgage calculators to help in decision making

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Ep 8 Talking Fin Lit - The Inside Story: Play Now | Play in Popup | Download (16)

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 Episode 7 TV411- Managing Your Money- Curriculum : Play Now | Play in Popup | Download (10)

Dr. Kathy King and Mark critical issues in Managing your Money on the personal, local, national and global scope. From rising fuel and food costs, to food riots. How do they interconnect? Then down to the educational connections. Kathy delivers a sample copy of TV411 Financial Literacy  curriculum. You get and inside view of the depth of the material and how it can be used. Please note this curriculum was chosen for review because of the high caliber of TV411 in the public education field. This program is not endorsing the product, nor do we receive benefit from any purchase. Tune in for a vibrant episode that covers the ground of global events, to how do we help students of all ages navigate their financial lives.Curriculum Options  TV411 Financial Literacy “Minding Your Money”

• Produced by KET (PBS television network in Kentucky)
• http://www.ketadultlearning.org/adult/tv411_kits.htm
  
• Regarding use in school: the site says “More than half the states in the U.S. have licenses for one or more series — with great discounts! Call 800.354.9067 to find out if your state is one of those”

Abundant additional web-based materials from KET and TV411

• Managing your money-related articles
  • Examples:
  • Financial Management
  • Tax Tip
  • Playing the lottery: What does it cost you?
• Many additional Math lessons
  • Math lessons
  • Math lessons in Spanish

TV411 FINANCIAL LITERACY KIT (Description for TV411)
By teaching how to track and control spending, save money, shop, and use credit responsibly, this kit helps learners achieve their financial goals.
Six units:
* What’s on the Stub? Understanding Your Paycheck
* Reading the Fine Print: Don’t Be Fooled
* Rent-to-Own: Is It Really a Deal?
* Wise Decisions: Selecting and Using Credit Cards
* Getting on Track: Making a Budget
* A Home of Your Own: From Dream to Reality

NYACCE New York Association of Continuing/Community Education
Conference where Dr King learned of TV411 curriculum

Special thank you to Tony Buttino, of Buttino Bunch Media, for loaning us the kit for review from his inventory at !

Articles discussed in this  episode:

Rice and Wrong, Food Costs Flummox

Article at The Street.com by Suzanne Barlyn

 Excerpt for the article: Food prices are igniting riots in developing countries — and quietly claiming a chunk of my family’s bottom line. Record rice and wheat prices were clearly reflected in my family’s recent $350 grocery bill for mostly grain-based and dairy products. The continuing global agricultural crisis has obviously ensnared my local community and probably many others.

Inflation Calculators -

A few examples of the may available on the web

• NASA’s Inflation calculators http://cost.jsc.nasa.gov/inflate.html
• This site has a list of many but also includes such highly technical ones as
• Consumer price index (CPI) inflation calculator http://cost.jsc.nasa.gov/inflateCPI.html
• Employment cost index inflation calculator http://cost.jsc.nasa.gov/inflation/eci/inflateECI.html
• GDP Deflator inflation calculator http://cost.jsc.nasa.gov/inflateGDP.html

Still more!

• The inflation calculator: http://www.westegg.com/inflation/
• Money Chimp Inflation calculator- www.moneychimp.com/articles/econ/inflation_calculator.htm
  • provides some concise explanation of how it s tied to Bureau of Labor Stats and Feds.
• Cost of living calculator -comparisons http://www.bestplaces.net/col/

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Episode 7 TV411- Managing Your Money- Curriculum : Play Now | Play in Popup | Download (10)

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 Episode 6 Entrepreneurship is "Nifty" aka NFTE -Interview with Dan Rabuzzi [26:56m]: Play Now | Play in Popup | Download (92)

Kathy and Mark share insights and resources on the topic of using entrepreneurship as a focus for student financial literacy. The centerpiece of this episode is Part 1 of an interview with Dan Rabuzzi , national program director for NFTE (The National Foundation for Teaching Entrepreneurship). This compelling interview provides valuable insight into the power of using this model with students as they take the CEO seat and realize the details and reality of finance. In our changing world careers are very different and many students will in fact be small business managers, consultants or CEOs. Therefore this knowledge and exposure needs to expanded beyond our business classes and CTE programs solely. NFTE is a great model of a program that works.Added to this exciting interview, Mark and Kathy also provide an article to kick off the episode and  new media resources which will help your students dialogue with others on the topic of financial literacy and entrepreneurship. Growing their global perspective, building their understanding of personal finance, enabling students to create content- all empowering principles for our classrooms.

 

Join us for this exciting episode as we explore the global realm

of personal finance for financial literacy education.

Lead News Article

“Students learn to create, not find, jobs”
http://www.cnn.com/2003/EDUCATION/02/14/student.entrepreneur.ap/index.html

Report: Many Indiana students poorly prepared to manage money
Six of ten Indiana high-school students failed a national money-management survey, and about the same number say they learned everything they know about the topic at home, according to a new Indiana Youth Institute report. Schools would do well to instruct students on money management, helping them to distinguish between wants and needs and the proper use of debit cards, said Lena Yarian, president of Junior Achievement of Northern Indiana. The Journal Gazette (Fort Wayne, Ind.) (6/2)

Resources

Young Entrepreneur

Discussion forums for younger entrepreneurs http://www.youngentrepreneur.com/

and BLOG http://www.youngentrepreneur.com/blog/

Retire at 21
http://www.retireat21.com/top-young-entrepreneurs/

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

---

Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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 Episode 6 Entrepreneurship is "Nifty" aka NFTE -Interview with Dan Rabuzzi [26:56m]: Play Now | Play in Popup | Download (92)

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We are pleased to bring the 2nd half of the the interview with Lloyd Bromberg, Director of Education Services, Federal Reserve Bank of New York, to our Talking Fin Lit listeners! Mark and Kathy discuss the interview high points and specifics regarding the resources which are mentioned.

• 1st Half of the Interview may be found here-  Episode 2  = Interview part 1: [[  CLICK here ]]
  
• 2nd Half of the Interview may be found here- Episode 5 =  Interview part 2: [[  Click here ]]
  

Mr. Lloyd Bromberg discusses the program which his federal reserve Education program is offering to NYC students and replicating in Puerto Rico. Resources including a 3 part program which also has online curriculum available. The discussion also includes whether such a program should be mandated in all schools and discuss the pros and cons given the demands schools have on them already and yet the importance of inclusion in a mandated program.

Articles & Items:
1. Article:  Pupils learn what counts (Fredericksburg.com)

“Most third-graders know two things about money: you need it to buy a Wii, and it doesn’t grow on trees.
While those are important things to understand, they don’t really capture the complexities of a financial world that can baffle the brightest business school student, and they certainly don’t prepare a youngster for the challenges that await them after graduation….”
2. Map of Federal Reserve Districts
www.federalreserve.gov/otherfrb.htm

3.  Federal Reserve Bank of San Francisco (District 12)
http://www.frbsf.org/

A sampler of educational resources from District 12

• Fedville
  http://www.frbsf.org/education/fedville/
• Fed Chairman Game
  http://www.frbsf.org/education/activities/chairman/

Reminder about the ISTE NECC MEET-UP! 

• June 30, 2008- San Antonio, TX
• You are invited!
• Raffle prizes from Otterbox for iPods and iPhones
• Learning and networking opps- even be part of a podcast
• You are invited! Read more…

Contact Us

You may contact Mark and Kathy by

• leaving a comment here on the blog/site
• emailing us at podcast@talkingfinlit.org

Podcast Feed:

Our podcast feed is: http://feeds.feedburner.com/talkingfinlit

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Talking Financial Literacy is produced in collaboration among the MS in Adult Education and HRD at Fordham University and The McGraw-Hill Companies.

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008. All rights reserved.

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Interview with Phyllis Frankfort