Archive for the ‘mortgages’
April 23, 2009
By: admin
Category: Dan Rabuzzi, Educational programs, Federal Reserve, Phyllis Frankfort, bank accounts, budgets, business, calculators, charity, cost of living, curriculum, entrepreneurship, games, giving, globalization, mortgages, resources, retirement, student outcomes, taxes, teacher perspectives
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Ep 25: A Fin Lit Finale (for now):
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From the vantage point of over 1 year of research, interviews and analysis of personal financial literacy for k-12 and adult education, Kathy and Mark step back and provide an episode of reflection, high points and next steps. You are invited to join us for this “green room” debriefing as your
Talking Financial Literacy Podcast co-hosts discuss such questions as :
- 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
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 - 2009. All rights reserved.
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Ep 25: A Fin Lit Finale (for now):
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January 29, 2009
By: admin
Category: Elizabeth Zelasko, bank accounts, bankruptcy, budgets, business, calculators, cost of living, credit scores, curriculum, entrepreneurship, globalization, interviews, investments, loans, mortgages, resources, retirement, taxes
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Ep 22 Mortgages:Elizabeth Zelasko [49:13m]:
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This episode features a lively and informative interview with loan manager,
Elizabeth Zelasko of
Countrywide Bank by Talking Fin Lit co-host Dr. Kathy King. Elizabeth provides behind the scenes information that every loan applicant should know about mortgages in general and for the changing landscape of this financial vehicle today. From application fees to points, locking in rates, ARMs, fixed rates, taxes, stated income, credit scores, to “junk fees,” we are here to de-mystify the terms and the process!
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
- Lisa’ Countrywide Bank site with calculators and articles
Mortgage Calculators
- Amortization Tables
-
- Mortgage Calculator shows annual tax and insurance fee, too.
- Credit Worthiness Calculator
- 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.
Other Resources
- How to Calculate Your Debt Utilization Ratio
Contact Us
You may contact Mark and Kathy by
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 - 2009. All rights reserved.
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Ep 22 Mortgages:Elizabeth Zelasko [49:13m]:
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January 17, 2009
By: admin
Category: bank accounts, bankruptcy, budgets, calculators, charity, cost of living, games, investments, loans, mortgages, resources, student outcomes, teacher perspectives
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Ep 21 Banks Rule!:
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Join Kathy and Mark as the explore the need for teaching and learning which include banking content. While topics related to banking functions are rich for math, economics, critical thinking, social studies and literacy, they are not being used in in most curriculum. In this episode, the Talking Fin Lit hosts discuss the great need, the gaps in understanding and some of the few valuable tools and resources available at this time.
Join us as we explore how to fill this gap in personal financial literacy learning across grades and settings. Examples include p-12 through GED and higher education, a not-to-be-missed episode! Entirely relevant, needed and 21st century literacy focused, from the only podcast series with professional development and resources for educators, students and lifelong learners.
Talking Fin Lit Podcast: Continuing the global conversation about personal financial literacy for educators
Resources discussed in this episode:
Articles:
- Student-Run Bank Branch Opens in New Jersey High School
- Regulators Shutter Silver State Bank
- Published: September 6, 2008 9:26 p.m.
- Agency’s Head Expects Banking’s Crisis to Worsen
- Published: August 26, 2008
- SEC Resource
- Tips for Teaching Students About Investments
- Website: http://www.sec.gov/investor/students/tips.htm
- Kidsbank.com
- TOY ATM Machines
- Children’s Touchscreen ATM Bank, Hammacher Schlemmer
- Preschool level Toy register ( ages 3-7 yrs)
- Toy Cash Register
Contact Us
You may contact Mark and Kathy by
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 - 2009. All rights reserved.
CLICK TO {{{ LISTEN }}}
Ep 21 Banks Rule!:
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January 10, 2009
By: admin
Category: bank accounts, budgets, business, calculators, charity, cost of living, giving, globalization, investments, loans, mortgages, resources, taxes, teacher perspectives
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Ep 20 The Tax Person Cometh:
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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
Canadian Example of curriculum
Calculators and Widgets from HR Block
Teaching Your Child About Income Taxes
Federal Bank of New York
Turbotax 
Digits- Tips and Podcast
About.com
Additional Resources for this Episode
- IRS - Understanding Taxes
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.
Contact Us
You may contact Mark and Kathy by
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, 2008-2009. All rights reserved.
CLICK TO {{{ LISTEN }}}
Ep 20 The Tax Person Cometh:
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December 31, 2008
By: admin
Category: bank accounts, budgets, calculators, charity, curriculum, games, giving, investments, loans, mortgages, resources, student outcomes
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Ep 18 Hotchalk Meta-Resource for Finanical Literacy:
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This is an action packed episode which highlights a one-stop shop for many resources which
cover new dimensions of financial learning!
From practical money skills to charity as part of the big picture.
Join Kathy and Mark for an exciting exploration of the financial literacy resources at HotChalk. The financial literacy materials we unearth will be sure to enhance any classroom and make the work of educators easier! From childhood to middle school, high school, and even adults, there are valuable lesson plans, activities, instructional articles, and games from which to choose.
Teachers, educators, educational leaders, (and parents) will find many resources to fit age groups and different settings. Items reviewed include not only HotChalk offerings on this topic, but also Karma Tycoon and The Practical Money Skills web-site.
Talking Fin Lit Podcast:
Continuing the global conversation about personal financial literacy for educators
Resources discussed in this episode:
Hotchalk Financial Literacy Resources
-
financial-literacy-for-students-list
- Being financially-savvy is crucial to making the kind of smart money decisions key to ensuring quality of life. Help your students get up to speed on this important life skill with regularly updated K-12 lessons and other resources in this special sponsored section. [from the website]
Karma Tycoon: 
-
http://www.karmatycoon.com/
- Karma Tycoon rocks the gaming world by offering you a thrilling ride through the world of social entrepreneurship as you earn Karma in virtual communities across the US. [From the website]
Practical Money Skills from Visa -
-
http://practicalmoneyskills.com/english/index.php
- In addition to providing online tools and resources via www.practicalmoneyskills.com, Visa has created free classroom material that educators can use to teach personal finance. Available online or in a binder format, the classroom curriculum is free.
- It offers a teacher’s guide, student worksheets and quizzes and interactive brain-teasers that can be played by students via the Web or from a CD-ROM.
- Additionally, Visa donates computer labs, ensuring that schools in need have access to the equipment needed to take advantage of Practical Money Skills for Life. Learn more about Visa’s outreach program. [From the website]
Contact Us
You may contact Mark and Kathy by
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.
CLICK TO {{{ LISTEN }}}
Ep 18 Hotchalk Meta-Resource for Finanical Literacy:
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December 12, 2008
By: admin
Category: bank accounts, budgets, calculators, cost of living, investments, loans, mortgages, resources, retirement, student outcomes, teacher perspectives
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Ep 15 Get Your Finances Ready for Retirement:
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In this episode, Get Your Finances Ready for Retirement, Mark and Kathy provide a bevy of resources to expand your personal financial literacy and begin to break through the fear of retirement planning. Resources include reports about the needs for diversified retirement funds, planning for retirement, and how to calculate what is needed to live well in retirement.
Most financial planners will tell you that Social Security will not be sufficient for your retirement needs.
How is your nest egg? How will you fund your glory days?
And for teachers, this topic becomes another prime opportunity to open new patterns of communication, place math, government, health and policy issues in real-life contexts, and provide a platform for family dialogue and skill building.
Join us for the discussion about the concerns for retirement, the need and the possibilities for learning. Free online resources never made it so easy to break-through financial barriers. Resources include retirement handbooks, calculators and discussions about alternate retirement income sources.
We emphasize to our listeners, and readers, that we are NOT financial experts; our goal in this series to introduce resources, cast a view of financial literacy as personal financial literacy, and provide free resources for educators.
These episodes are not intended to provide financial advice or counsel. Please consult a certified financial planner who specializes in retirement to assist you in understanding your situation and to plan to meet your needs.
If you take that step or encourage others to do likewise, because of this blog and podcast, we will consider ourselves immensely successful! Thank you!
Resources
PBS Special Report:
Retirement
Nightly Business Report -
ARCHIVE Report
Retirement Planning Calculators(s):
-
AARP Retirement Calculator
- Article on these calculators with links
From USA Today
- Article with somewhat opposing view
Marketwatch article
Reverse Mortgage Information for Seniors
http://www.letyourhomepayyou.com/
Contact Us
You may contact Mark and Kathy by
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.
CLICK TO {{{ LISTEN }}}
Ep 15 Get Your Finances Ready for Retirement:
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December 08, 2008
By: admin
Category: budgets, calculators, cost of living, investments, mortgages, resources, retirement, student outcomes, teacher perspectives
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Ep 14 Caring for Your Parents:
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In this episode, Mark and Kathy discuss the educational opportunities related to the stage of life in which we help take care of our parents, grandparents and other older adults. Our approach on this topic is to help educators and students develop a new understanding of personal literacy to reach different areas of their lives. This topic provides rich opportunities for family literacy, intergenerational dialogue, problem solving, research, embedded literacy projects and critical thinking.
While some teachers may have already experienced the need to do this and begun to negotiate the complex world of finance for elders, others may be less aware of the retirement needs, financial picture, living needs, rights and dangers, which surround elder care. This topic is a powerful to become conversant in to assist your students in exploring it.
We emphasize to our listeners that we are not financial experts; our goal in this series to introduce resources, cast a view of financial literacy as personal literacy, and provide ideas and free resources for educators to use across curriculum and grade levels.
These episodes are not intended to provide financial advice or counsel. Please consult a certified financial planner and a lawyer who specializes in elder care to assist you in understanding your situation and to plan to meet your needs. If you take that step or encourage others to do likewise, because of this blog and podcast, we are immensely successful in our mission!
World Health Organization Data 2008
How long will you live in retirement: 20, 30, 40 years?
Check this out: Life expectancy in USA as of 2008
- White women 81, Black women, 77
- White men 76, Black men, 70
Elder Financial Care Resources
Information to help understand the issues related to helping take care of older people in your family.
PBS Handbook Understanding Finances
Resources Directory Elder Financial Care
Financial Abuse
What is it?
Where does it come from?
How to prevent it!
[Click to read an informative document
on this topic]
Senior/Elder Care Financial Services
Comprehensive Solutions for Seniors has helped many families make the most of their financial resources and assets to provide the best possible care for loved ones. Let our experience and knowledge work for you.
http://www.senioreldercare.com/financial_services.htm
Reverse Mortgage Information for Seniors
http://www.letyourhomepayyou.com/
Contact Us
You may contact Mark and Kathy by
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.
CLICK TO {{{ LISTEN }}}
Ep 14 Caring for Your Parents:
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October 06, 2008
By: admin
Category: bank accounts, budgets, calculators, cost of living, interviews, investments, loans, mortgages, resources
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Ep 13 Money Managment: Interview with Ms. Joan Sabela [30:19m]:
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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
- Credit Card Comparison Sites
- From MSN Money.com
- Credit cards.com
- Next Advisor (many comparisons, including credit cards)
- Financial Women’s Association
- New York Life and Management LLC
- The Equity Investor’s Group
Contact Us
You may contact Mark and Kathy by
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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Ep 13 Money Managment: Interview with Ms. Joan Sabela [30:19m]:
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September 17, 2008
By: admin
Category: calculators, curriculum, globalization, interviews, introduction, mortgages, resources, teacher perspectives
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Ep 8 Talking Fin Lit - The Inside Story:
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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
- Wachovia mortgage calculators
Contact Us
You may contact Mark and Kathy by
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.
CLICK TO {{{ LISTEN }}}
Ep 8 Talking Fin Lit - The Inside Story:
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September 16, 2008
By: drkpking
Category: Educational programs, bank accounts, budgets, calculators, cost of living, credit scores, curriculum, games, globalization, loans, mortgages, resources
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Episode 7 TV411- Managing Your Money- Curriculum :
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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
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
Still more!
Contact Us
You may contact Mark and Kathy by
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.
CLICK TO {{{ LISTEN }}}
Episode 7 TV411- Managing Your Money- Curriculum :
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