Looking Back and Ahead-

The Future is…

About Financial Literacy Education!

Resources Related to this Episode

ON THE ROAD

Upcoming Events by Kathy and Mark

• USF Faculty Presentation on Podcasting- Tampa, FL March 23, 2011- Dr. Kathy King
• Dr. King’s Induction into Hall of Fame for International Adult and Continuing Education- Dr. King, Toronto, Canada, April 6-8, 2011
• NCEA Conference Presentation – New Orleans, LA, April 26-27, 2011- Dr. Kathy King
• AERC-CASAE Conference Presentation- Toronto, Canada, June 9-12, 2011- Dr. Kathy King
• ISTE Conference Presentation – Philadelphia, PA, June 26-29, 2011- Dr. Kathy King
• International Technology Conference- Portugal – July 2011- Dr. King (not yet confirmed)
• Distance Learning Conference – Madison WI – Aug 2-4, 2011 Dr. King (not yet confirmed)
• Educause Conference -Dr. King (not yet confirmed)

Leave a comment here on the blog/site

• emailing us at podcast@talkingfinlit.org

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008 – 2011. All rights reserved.

See TransformationEd.com for full details of speaking engagements and opportunities to meet Dr King and Mark.

We enjoy meeting our podcast community!

Contact Us

You may contact Mark and Kathy by emailing us at podcast@talkingfinlit.org

Podcast Feed:

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

CLICK TO {{{ LISTEN }}}

Continuing the global conversation about personal

financial literacy for educators on

Talking Financial Literacy Podcast

Resources and Articles Mentioned 

• Financial Lit Now.com

• Foxbusiness.com “what to say to your kids”
  

• Great You Tube video
  • Why We Should Teach “Personal Financial Education” (Financial Literacy) in Schools

•  Financial Literacy Supplements from NIE
  • Are you ready for the real world?
  • Be Money $mart
  • Consumer Jungle Teacher Guide….
  • and much more
    

Facebook page for Financial Literacy:

Welcome to the Talking Financial Literacy Community @ Facebook . We hope folks will join us to share links, photos, comments and discussion. But the discussion board will especially be a space to share resources, plans for integrating financial literacy in classes and support as all of us pose new ideas. ho will be first and second to share who

they are, their basic interests in this area and any needs or resources?

Invitation for Listeners to Participate in the Show

Listen to the details in episode 26 and then email Mark and Kathy about what you have to share. Email us at podcast ( at) talkingfinlit.org

ON THE ROAD – Coming Events

• April 2010 — Kathy at NCEA 2010 (St Paul MN)
• —- Kathy at Purdue University (IN)
• April – June 2010 –Kathy at RTI SUMMIT  @Dallas, Chicago & Orlando
• May 2010- Kathy NYCABE Keynote NYCity
• May 2010 — Kathy at AERA 2010 (Denver, CO)
• June 2010 — Mark and Kathy at ISTE NECC 2010 (Denver, CO)

• leaving a comment here on the blog/site

• emailing us at podcast@talkingfinlit.org

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008 – 2010. All rights reserved.

See Transformationed.com for full details of speaking engagements and opportunities to meet Dr King and Mark.. we enjoy meeting our podcast community!

Contact Us

You may contact Mark and Kathy by

Podcast Feed:

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

CLICK TO {{{ LISTEN }}}

Kathy and Mark welcome listeners back to Series II of Talking Fin Lit. They share many new developments including new features, a model for financial literacy integration and ways for listeners to potentially be part of the show. This is your personal invitation to be part of the Fin Lit Community- Let’s support educators.

Continuing the global conversation about personal

financial literacy for educators on

Talking Financial Literacy Podcast

Talking Financial Literacy Podcast featured in Business Week Sept 2009, Metro NYC edition. Click here to see entire article about unique financial literacy efforts and programs across educational contexts.

Facebook page for Financial Literacy:   

Welcome to the Talking Financial Literacy Community @ Facebook . We hope folks will join us to share links, photos, comments and discussion. But the discussion board will especially be a space to share resources, plans for integrating financial literacy in classes and support as all of us pose new ideas. ho will be first and second to share who they are, their basic interests in this area and any needs or resources?

Invitation for Listeners to Particpate in the show

Listen to the details in episode 26 and then email Mark and Kathy about what you have to share.  Email us at podcast ( at) talkingfinlit.org

 ON THE ROAD – Coming Events

• January 2010  –    Kathy at FETC 2010 (Orlando FL)
• April 2010 –  Kathy at NCEA 2010 (St Paul MN)
• May 2010  — Kathy at AERA 2010 (Denver, CO)
• June 2010 — Mark and Kathy at ISTE NECC 2010 (Denver, CO)

See Transformationed.com for full details fo speaking engagements and opportunites to meet Dr King and Mark.. we enjoy meeting our podcast community!

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

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008 – 2009. All rights reserved.

CLICK TO {{{ LISTEN }}}

• What were their surprises as they wrap up the first segment of the series?
• How can teachers best make use of the series?
• What needs and gaps did they uncover in the journey of exploring financial literacy resources?
• How has our world of economics and politics transformed during this 12-16 months?
• What could a sequel series of segments offer?

This episode becomes a fun, quick-paced recap of great resources, highlights and packs in more surprises for our listeners, both new and returning! Join us for this  comprehensive episode.

 Continuing the global conversation about personal

financial literacy for educators on

Talking Financial Literacy Podcast

Resources discussed in this episode:

• Our archive of illustrious guests and episodes     
  • Convenient: Available on demand:  24/7
  • Portable: Take use with you via MP3 player, iPod, cell phone or CD
  • Flexible: Use for teacher PD, student enrichment, parent and adult education classes

• We express a special thanks to the McGraw-Hill Companies who have so graciously sponsored this first round of the series as a philanthropic effort. Thank you for offering such a rich resource for teachers, students, community and parents.  ~~ Kathy & Mark
  

• We expect to be providing some more resources on this topic in the near future based on discussions with potential supporters. ~~ Kathy & Mark

• Keep this feed live in your feedreader and podcast reader (iTunes, etc) and check back to the site for updates and announcements!)
  

• We wish you all success in bringing financial literacy lifelong learning to life for your students!
  

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

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008 – 2009. All rights reserved.

CLICK TO {{{ LISTEN }}}

You will find many money-saving and powerful suggestions for how to prepare for mortgages as adults and pose it for young people to understand the need to prepare now, for instance: building a credit history, savings and banking literacy!

Mark and Kathy also discuss the details of how to use mortgages and this life need as a vibrant classroom learning focus. Resources, lesson ideas and discussion abound.

Join us as we bring an expert on board to provide complete information in a form for all to understand.

 Elizabeth (Lisa) Zelasko contact information:

Countrywide Bank, FSB
Home Loan Consultant
Office: 201-556-4724
Fax: 866-433-2940
Email: Elizabeth_Zelasko@Countrywide.com

 WEB: http://countrywidelocal.com/elizabethzelasko

 Resources for this Episode

• Countrywide Bank, FSB Resources
  •  http://my.countrywide.com/

• Lisa’ Countrywide Bank site with calculators and articles
  • http://countrywidelocal.com/elizabethzelasko
  • Current rates for various mortgages
  • Payment calculators
  • and much more

Mortgage Calculators

• Amortization Tables
  • Also http://calculator-loan.info/mortgage-calculator.php

• 

• Mortgage Calculator shows annual tax and insurance fee, too.
  • Annual tax and fee plus Mortgage Calculator (All Fees)

•  Credit Worthiness Calculator
  • At Bankrate.com

• Calculator: “Calculate Your Debt-to-Income Ratio”
  Comparing your earnings against your spending , also known as a debt-to-income ratio, is one of the most popular approaches for evaluating if you have too much debt. Lenders, for years, have looked at debt-to-income ratios to get a better grasp on a person’s current financial picture to determine credit-worthiness.
  • Debt-to-income ratio calculator

Other Resources

•  Informational Website
  • “ Understand Your Debt-to-Income Ratio or Creditworthiness”

•  How to Calculate Your Debt Utilization Ratio
  • Debt Utilization Ratio Calculator

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

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008 – 2009. All rights reserved.

CLICK TO {{{ LISTEN }}}

CLICK TO {{{ LISTEN }}}

Mark and Kathy discover an undeveloped territory of urgent need in financial literacy- taxes. Of course we all know we have to come with taxes, but there are few resources available to integrate this real life need into financial literacy settings cross curriculum. Currently, the field is wide open for innovation and new developments here!

— Relevant  — Real-Life  –  Interdisciplinary —

   Lifelong Learning  — 21st Century Living

  — Motivation  – Intergenerational —

From planning for college, to tax savings via charitable giving,  and  medical flex accounts, it is amazing how much people of all ages might be missing opportunities for valuable and vital learning and savings. Join your Talking Financial Literacy co-hosts, Kathy and Mark, for another  exciting discussion as they explore the few resources which ARE available and spin the connections that need to be created.

Resources discussed in this episode:

The Money Instructor

• http://www.moneyinstructor.com/wsp/taxw2.asp

Canadian Example of curriculum

• http://www.cra-arc.gc.ca/tx/ndvdls/tchtx/menu-eng.html

Calculators and Widgets from HR Block   

• http://www.hrblock.com/taxes/tax_calculators/index.html

Teaching Your Child About Income Taxes

• http://life.familyeducation.com/taxation/money-and-kids/47969.html

Federal Bank of New York

• http://www.newyorkfed.org/education/taxes_teach.html

• (Also – see our interview with Dir. of Education with federal bank of NY!
• Talking Fin Lit  Episode 2 )

Turbotax

• Tutorials and Tools Abound
• http://turbotax.intuit.com/tax-tools/

Digits- Tips and Podcast  

• H&R Block
• http://www.digits.hrblock.com/tipsandpodcasts/

About.com

• http://taxes.about.com/od/taxsoftware/tp/tax_calculators.htm

Additional Resources for this Episode

•  IRS – Understanding Taxes
  •   http://www.irs.gov/app/understandingTaxes/index.jsp

 If you go into the teachers part there is an excellent series of lessons on taxes that include why pay taxes, the history of taxes and the nuts and bolts of how to pay taxes.  Check out the stuff on the bottom of the following url  http://www.irs.gov/app/understandingTaxes/teacher/whys.jsp

 Submitted by listener and teacher

John Kalnberg,  teacher, Sage Day School, Rochelle Park, NJ.

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

• (C) Talking Financial Literacy is copyrighted by The McGraw-Hill Companies, 2008-2009. All rights reserved.

CLICK TO {{{ LISTEN }}}

Talking Fin Lit Podcast: Continuing the global conversation about personal financial literacy for educators

Resources discussed in this episode:
Theme: A Nation @ Financial Risk -

The State of Fin Lit in Our Nation’s Schools… Parallel to A Nation at Risk 

Education Week’s special coverage marks the 25th anniversary of the landmark report A Nation at Risk, which urged schools to add more learning time to children’s lives. Read about initiatives under way to lengthen the school day or year, and about the latest research on the effects of extra time on learning.

Education Week Special Report_ Several Related Articles

A Related Commentary 

by former U.S. Secretary of Education, Riley

• EdWeek Article

 Financial literacy should be a standard requirement in public education
Why isn’t the teaching of personal finance basics considered more important than trigonometry, which few of us will ever use again, asks financial-literacy expert Braun Mincher. A solid grounding in financial basics would help young people make better fiscal decisions, Mincher writes. The Christian Science Monitor (9/23)

Financial-education course aims to better prepare teens for future
A financial-literacy course developed by the National Endowment for Financial Education offers high-schoolers unversed in tending to their own finances an introduction to the fundamentals of money management. Education Week (premium article access compliments of Edweek.org)/Associated Press (8/4)

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)

Financial Literacy Education (FLE) in Indiana’s Schools
http://www.doe.in.gov/octe/facs/IndianaFinLitEd-FrontPage.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

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

CLICK TO {{{ LISTEN }}}

Resources and Articles

Food Prices
• Hunger & Riots as Food Prices Soar (cover story)

• From IndyKids ( http://www.indykids.net/pages/issues )
• PDF of issue: http://www.indykids.net/issues/pdf/indykids_iss15.pdf

• “Riots, instability spread as food prices skyrocket” (article)

• From CNN.com online news
• Article with embedded video

• Why Does Food Cost More? Article North Coast Journal

• Article– click here

• Rising food prices take a bigger paycheck bite:

• Here’s what you can do about the escalating price of groceries
• Article from Wall Street Journal Digital – MarketWatch

Speculation

• “Speculation and World Food Markets”

• Report from International Food Policy Research Institute

Free Trade

• Free Trade Leaves World Food in Grip of Global Giants

• Article from Common Dreams.org

• Hoarding Nations Drive Food Costs Ever Higher

• Article for the NY Times

Bio Fuels

• AS GLOBAL FOOD COSTS RISE, ARE BIOFUELS TO BLAME?

• ARTICLE – CHRISTIAN SCIENCE MONITOR

• Hardy Plant May Ease Biofuels’ Burden on Food Costs

• Article in National Geographic

Jatropha -

• Video clip 1 (Youtube)
• Video clip 2 (Youtube)

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

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

CLICK TO {{{ LISTEN }}}

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

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

• 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

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