PROGRAM REQUIREMENTS

• Certified Financial Literacy Instructor®

FINANCIAL VOCABULARY

• What Is Money? -Economics- About.com

• Credit cards are not a form of money

• Why Not Just Print More Money?

KNOW YOUR AUDIENCE

Sometimes pre-evaluating student capacities is not possible. Researching the audience prior to teaching is useful in making presentations relevant. Prior research is helpful but not as dependable in understanding the community as community members themselves. The following are organization that have valuable data freely available.

• Comptroller of the Currency

  http://www.occ.treas.gov

• Federal Reserve Board

  http://www.federalreserve.gov

• Federal Trade Commission

  http://www.ftc.gov

• Internal Revenue Service

  http://www.irs.gov

• Office of the Comptroller of the Currency

  http://www.occ.treas.gov

• U.S. Bureau of Labor Statistics

  http://www.bls.gov

• U.S. Department of the Treasury – Office of Financial Education

  http://www.ustreas.gov/financialeducation

• U.S. Financial Literacy and Education Commission

  http://www.mymoney.gov

• U.S. Securities and Exchange Commission

  http://www.sec.gov

• U.S. Small Business Administration

  http://www.sba.gov

• U. S. Social Security Administration

  http://www.socialsecurity.gov

RECOMMENDED BOOKS

Financial Behavior

• Demand for rent-to-own contracts: a behavioral economic explanation. Brian J. Zikmund-Fisher and Andrew M. Parker, 1999.

• Economic Research Using Laboratory Experiments to Investigate Behavioural Aspects of Savings Decisions. William G. Morrison and Robert J. Oxoby, February 2011.

• Getting to the Top of Mind: How Reminders Increase Saving. Dean Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman, April 2010.

• Myopic risk-seeking: The impact of narrow decision bracketing on lottery play. Emily Haisley, Romel Mostafa, and George Loewenstein, 2008.

• Policy Making Insights from Behavioral Economics Chapter 3: Household Savings Behavior in the United States provides information on the role of Literacy, information and financial education programs in changing the household savings behavior. Christopher Foote, Lorenz Goette, and Stephan Meier. Federal Reserve Bank of Boston conference volune, 2009.

• Tying Odysseus to the Mast: Evidence from a Commitment Savings product in the Philippines. Nava Ashraf, Dean Karlan, and Wesley Yin, May 2006.

Behaviorally Informed Communication

• Behavioral Economics and Marketing in Aid of Decision Making among the Poor. Marianne Bertrand, Sendhil Mullainathan, and Eldar Shafir, 2006.

• The Role of Simplification and Information in College Decisions. Eric P. Bettinger, Bridget Terry Long, Philip Oreopoulos, Lisa Sanbonmatsu, 2009. A short description of the paper and its findings can be found here.

• Self-Reports: How the Questions Shape the Answers. by Norbert Schwarz. American Psychologist

Identity and Perception

• Identity-Based Motivation: Implications for Intervention. Daphna Oyserman and Mesmin Destin, 2010.

• “Math is Hard!” The Effect of Gender Priming on Women’s Attitudes. Jennifer Steele, and Nalini Ambady, 2005

• Political partisanship influences perception of biracial candidates’ skin tone. Eugene M. Caruso, Nicole L. Mead, and Emily Balcetis, May 2009.

• Stereotype Susceptibility: Identity Salience and Shifts in Quantitative Performance. Margaret Shih, Todd L. Pittinsky, and Nalini Ambady, January 1999.

Social Judgment

• Do Defaults Save Lives? Eric J. Johnson and Daniel Goldstein, November 2003.

• In Support of the Supporters? Do Social Forces Shape Decisions of the Impartial? Thomas J. Dohmen, April 2003.

TEACHING AND LEARNING

• Sharon Bowman and Bowperson Publishing & Training, Inc. www.Bowperson.com

• Marcia Jackson and Training Resources www.resources4trainers.com

• Center for Accelerated Learning www.alcenter.com

Bloom’s Taxomony

• http://en.wikipedia.org/wiki/Bloom%27s_Taxonomy

• http://farr-integratingit.net/Theory/CriticalThinking/revisedcog.htm

Teaching Techniques

• Using Brain Science to Make Training Stick! Sharon Bowman

• Training from the BACK of the Room!

• The Accelerated Learning Handbook (2000) David Meier

• Brain Rules (2008) John Medina

• Brain-Based Learning. (2000) Eric Jensen

• Brain Matters. (2001) Patricia Wolfe

• A Celebration of Neurons. (1995) Robert Sylwester

• How the Brain Learns. (2006) David Sousa

• How To Give It So They Get It! (1998) Sharon Bowman

• Informal Learning (2007) Jay Cross

• Learning and Memory. (1999) Marilee Sprenger

• Preventing Death by Lecture! (2000) Sharon Bowman

• Teaching Actively. Mel Silberman

• Telling Ain’t Training. (2002) Harold Stolovitch

• That’s Not What I Meant! (1987) Deborah Tannen

Financial Education

• Financial Literacy, Schooling, and Wealth Accumulation

  Jere R. Behrman, Olivia S. Mitchell, Cindy Soo and David Bravo. Population Aging Research Center, University of Pennsylvania. September 2010.

• Weighing the Effects of Financial Education in the Workplace

  Kelly D. Edmiston, Mary C. Gillett-Fisher and Molly McGrath. The Federal Reserve Bank of Kansas City. October 2009.

• Two Cheers for School-Based Financial Education

  Lewis Mandell. Initiative on Financial Security at the Aspen Institute. June 2009.

• Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Savings Program

  Margaret S. Sherraden, et al. Center for Social Development. 2009.

• Personal Finance and the Rush to Competence: Financial Literacy Education in the U.S.

  Lois A. Vitt, Carol Anderson, Jamie Kent, Deanna M. Lyter, Jurg K. Siegenthaler and Jeremy Ward. Institute for Socio-Financial Studies (ISFS). 2000.

Student Assessment

• Creating Rubrics. http://www.teachervision.fen.com/teaching-methods-and-management/rubrics/4521.html

FINANCIAL EDUCATION PROGRAMS

• Financial Fitness for Life

  http://fffl.ncee.net

• Financing Your Future

  http://financingyourfuture.ncee.net

• Learning, Earning, and Investing

  http://lei.ncee.net

• The Stock Market Game™

  http://www.stockmarketgame.org

• Virtual Economics®

  http://ve.ncee.net

• Family Economics & Financial Education Program (FEFE)

  http://fefe.arizona.edu

• NEFE High School Financial Planning Program®

  http://hsfpp.nefe.org

• Building Your Future (The Actuarial Foundation)

  http://www.actuarialfoundation.org/programs/youth/BuildingYourFuture.shtml

• It’s Your Paycheck! (Federal Reserve Bank of St. Louis)

  http://www.stlouisfed.org/education/paycheck.html

• Money Smart: Computer-Based Instruction Program (FDIC)

  http://www.fdic.gov/moneysmart

• Secret Millionaires Club

  http://www.smckids.com/learnandearn/

• AARP Money

  http://www.aarp.org/money

• Bankrate.com

  http://www.bankrate.com

• BudgetWorksheets.org

  http://www.budgetworksheets.org

• CardWeb.com

  http://www.cardweb.com

• Credit Card Smarts (University of Illinois Extension)

  http://web.extension.uiuc.edu/creditcardsmarts

• Getting Through Tough Financial Times (University of Illinois Extension)

  http://web.extension.uiuc.edu/toughtimes

• Hands On Banking

  http://www.handsonbanking.org

• It All Adds Up

  http://www.italladdsup.org

• Managing in Tough Times National Extension Initiative (MiTT)

  http://mittnet.extension.org

• Money Talks

  http://moneytalks4teens.org

• More for Your Money: Managing Your Money Wisely (University of Illinois Extension)

  https://webs.extension.uiuc.edu/money

• MyFICO.com Credit Card Finder

  http://www.myfico.com/LoanCenter/Offers/CreditCards.aspx

• PowerPay (Utah State University Extension)

  http://www.powerpay.org

• Show Me the Future

  http://www.showmethefuture.org

• The Spending Game (Iowa State University Extension)

  http://www.extension.iastate.edu/Publications/PM1103.pdf

• The Allowance Game (Iowa State University Extension)

  http://www.extension.iastate.edu/Publications/PM1776.pdf

• Your Money Counts (HSBC)

  http://www.yourmoneycounts.com/ymc/tools/booklets

• Your Life, Your Money (PBS)

  http://www.pbs.org/your-life-your-money

• Your Life, Your Money, Your World – The Game (PBS)

  http://www.pbs.org/your-life-your-money/ylymyw.php

• Kate Levinson, PhD. Emotional Currency http://www.more.com/reinvention-money/sneak-peek-emotional-currency-kate-levinson-phd?page=3

FINANCIAL LITERACY RESEARCH

• California Foundation Fund – Financial Knowledge Project

• National Survey of Unbanked and Under-banked Households (2009)

• Banking on Financial Education (FDIC Quarterly, 2007 Volume 1, Number 2)

• A Longitudinal Evaluation of the Intermediate-term Impact of the Money Smart Financial Education Curriculum upon Consumers’ Behavior and Confidence – April 2007

• FYI: Delivery Systems for Financial Education in Theory and Practice (2004)

• National Survey of Unbanked and Under-banked Households (2009)

• Banking on Financial Education (FDIC Quarterly, 2007 Volume 1, Number 2)

• A Longitudinal Evaluation of the Intermediate-term Impact of the Money Smart Financial Education Curriculum upon Consumers’ Behavior and Confidence – April 2007

• FYI: Delivery Systems for Financial Education in Theory and Practice (2004)

• FYI: Financial Education in a Dynamic Banking Environment (2003)

• Survey Shows FDIC’s Money Smart Program Improves Consumer’s Money-Management practices and Financial Confidence (FIL 46-2007)

• FINRA Foundation financial capacity surveys

• CFED research center