All Across the Nation Financial Education For a New Generation

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All Across the NationFinancial Education
For a New Generation
NEFE High School Financial Planning Program

• Featuring the All New NEFE
• High School Financial Planning Program
• Presented by Courtney Nickles
• Texas Credit Union Foundation

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HSFPP2009 Financial Education for a New Generation
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What is NEFE?

• The National Endowment for Financial Education is
  a non-profit 501(c)(3) foundation dedicated to
  helping all Americans acquire the information and
  gain skills necessary to take control of their
  personal finances.

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What is Project NEFE?

• Project NEFE is a statewide collaborative
  initiative to bring the accredited High School
  Financial Planning Program along, with
  comprehensive training, to schools across Texas
  free of charge
• Goal - To establish the new NEFE High School
  Financial Planning Program as the leading
  resource in Texas classrooms

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What is the Project NEFE Network?

• The Project NEFE Network is comprised of credit
  union professionals and Cooperative Extension
  educators who will assist with the promotion and
  delivery of the new NEFE High School Financial
  Planning Program through internal and external
  marketing, by training other individuals, and/or
  hands-on classroom instruction

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Why is the HSFPP important for teens?

• Financial security in adulthood is extremely
  important
• The high bankruptcy rate among young people
• High level of personal debt amongst young people
  after HS
• Lack of experience handling money
• They dont always learn about this at home

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Why do we need the HSFPP?

• American children, teens and young adults (ages
  8-21) earned about 211 billion in 2003.  This
  group is spending at a rate of approximately 172
  billion per year.
• 45 of college students are in credit card debt,
  the average credit card debt being more than
  3,000.
• The number of 18 to 24-year-olds declaring
  bankruptcy has increased 96 in 10 years.
• In 2002, more young people filed for bankruptcy
  than graduated from college.
• Of the 5,775 high school students who took the
  Jumptart personal finance survey in 2006, 65.5
  received failing scores.

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HSFPP Across the Nation Over 1 million copies
sent since the launch in May 2007
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HSFPP in TEXAS 80,000 Books sent to Texas in
2008
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HSFPP in the Lone Star State

• 57,800 Copies in 2005
• 38,125 Copies in 2006
• 82,455 Copies in 2007
• 80,000 Copies in 2008

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Gaining Access to Schools

• Teachers
• Counselors
• PTA Councils
• Superintendents
• Principals
• FBLA (Future Business Leaders of America)
• 4-H Programs
• JROTC Programs
• Family, Career and Community Leaders of America
  (FCCLA)

• Local Credit Union
• Project NEFE Network Members
• Local Cooperative Extension Agent
• Junior Achievement
• Non-Profit Organizations
• Churches
• Chamber Education Committees
• Supervisory Boards
• Region Service Centers

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HSFPP Receives Two Awards for Excellence

• EIFLE Award from the Institute for Financial
  Literacy for Childrens Book of the Year
• AFCPE (Association for Financial Counseling and
  Planning Education) will award the HSFPP their
  Outstanding Financial Education Award in November

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HSFPP2009 Financial Education for a New Generation
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Financial Education for a New Generation
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HSFPP2009 TAKING IT TO NEW LEVELS
Performance-Based Learning Design
Matched to Standards in ALL FIFTY States!
Created by Teachers Financial Professionals
Edgy New Look Kids Like
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HSFPP2009 TAKING IT TO NEW LEVELS
Tested in Classrooms
Many Teaching Opportunities for Outside Financial
Professionals
Performance-Based
Continuous Learning
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HSFPP2008 TAKING IT TO NEW LEVELS
Web Sites for Students, Parents, Teachers,
Sponsors
Dynamic Content
Teachers Knowledge-Sharing
Clearly written lesson plans
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HSFPP2009 Taking it to new levels
Still Paper Pencil
Online Games Tools
Online Ordering of Materials
Flexible / Turnkey
AND ITS ALL STILL FREE!!
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HSFPP2009

• HSFPP Curriculum Correlated to National Standards

• National Academic Standards
• Jumptart Coalition for Personal Financial
  Literacy
• National Council on Economic Education
• National Standards for Business Education
• National Standards for Family Consumer Sciences
  Education
• National Council for Social StudiesEconomics
• Standards for the English Language Arts
• Principles and Standards for School Mathematics

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HSFPP2009

• HSFPP Curriculum Correlated to State Standards in
  All Fifty States

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HSFPP2009 SEVEN UNITS
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HSFPP 2009 Unit One Your Financial Plan Where it
All Begins
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HSFPP2009 Unit Two Budgeting Making the Most of
Your Money
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HSFPP2009 Unit Three Investing Making Money Work
for You
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HSFPP2009 Unit Four Good Debt, Bad Debt Using
Credit Wisely
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HSFPP2009 Unit Five Your Money Keeping it Safe
and Secure
NEW IN THIS EDITION
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HSFPP2009 Unit Six Insurance Protecting What You
Have
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HSFPP2009 Unit Seven Your Career Doing What
Matters Most
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HSFPP2009
Learning seven core competencies one step at a
time!
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Each Unit organized around a target competency

• major skill that the student will be able to do
  as a result of the learning experience
• observable and measurable student performance

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Unit Target Competencies

• 1 Create a personal financial plan
• 2 Prepare a personal budget
• 3 Propose a personal saving and investing plan
• 4 Select strategies to use in handling credit
  and managing debt
• 5 Demonstrate how to use various financial
  services
• 6 Create a personal insurance plan which will
  minimize your financial loss
• 7 Examine how a career choice and lifestyle
  affect your financial plan

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Competencies supported by learning objectives

• supporting facts, processes, principles,
  procedures, and concepts that will provide
  students with the skills, knowledge, or attitudes
  to achieve a competency
• serve as benchmarks in each HSFPP unit

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Unit 2 Learning Objectives

• Support competency Prepare a personal budget
• Examine personal spending habits
• Summarize the advantages of having a spending
  plan
• Identify various sources of income
• Identify types of expenses
• Explain the role of saving in creating a budget
• Explain how to construct a budget
• Examine forms of record-keeping involved with
  budgeting and cash management
• Summarize how a budget will change throughout
  your life cycle

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HSFPP2009
Challenges students to explore the topic and
begin to take action!
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HSFPP2009
Step-by-Step Teaching Plans
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HSFPP2009
Overviews of Every Unit for Students
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HSFPP2009
Classroom Assignments
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HSFPP2009
Student Assessment for Each Unit
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HSFPP2009
Interactive Spreadsheet Tools
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HSFPP2009
Dynamic PowerPoint Presentations
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HSFPP2009
Split-Page Classroom Teacher Manual
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Program Data Disk
HSFPP 2009
Spanish Version Via Download
Take-Home Brochure For Parents
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Certificate of Completion
One available for each book ordered
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THE HSFPP DIFFERENCEPerformance Based
LearningandContinuous Learningtwo powerful
learning concepts joined into one!
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Continuous Learning
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hsfpp.nefe.org
hsfpp.nefe.org
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Web Site for Students
Students
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Web Site for Parents
Parents
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Web Site for Teachers
Teachers
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ONLINE VIDEO TRAINING
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Continuous Learning for Students
MyBread for Students
The Fridge for Parents
Web tools for Teachers
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Continuous Learning for Students
HUMAN RESOURCES PROFESSIONAL
FINANCIAL PLANNER
MORTGAGE BROKER
CAREER COUNSELOR
INSURANCE AGENT
CREDIT UNION PROFESSIONALS
STOCK BROKER
TRUSTED ADULTS IN YOUR COMMUNITY
INSURANCE UNDERWRITER
CAREER COUNSELOR
BANKRUPTCY JUDGE
CREDIT COUNSELOR
BANK PROFESSIONAL
LOAN OFFICER
FINANCIAL ADVISOR
CREDIT REPORTING AGENCY
COLLECTION AGENCY
INSURANCE ADJUSTOR
TAX PREPARER
BENEFITS MANAGER
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Advantages of the HSFPP

• FREE
• Correlated to Texas standards
• TEA approved to meet the requirements of HB 492
  (State mandate requiring a course in financial
  education for all graduating seniors)
• Meets all TEKS for a course including instruction
  in personal finance
• Turnkey designed for easy classroom
  implementation
• Flexible designed to be completed in as few as
  16 classroom hours

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Advantages of the HSFPP

• Program materials
• Complete Lesson Plans
• Instructors Manual
• Supplementary CD
• Student Guides
• Performance-Based Assessments
• PowerPoint Visuals
• Interactive Websites
• Teachers, Students, and Parents
• E-mail Templates to Parents
• Student Parent Web E-Zines

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Advantages of the HSFPP

• Easy Online Ordering
• Online Video Training
• Can be integrated into a variety of classes
• Personal Finance
• Economics
• Mathematics
• Business Education
• Social Studies
• Family Consumer Sciences
• Vocational Education
• Agribusiness

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HSFPP2009
Take-Home Brochure For Parents
Spanish Version Via Download
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HSFPP2009 Financial Education for a New
Generation