Featured Program!
Financial Literacy Curriculum and Fair

Financial literacy is an essential skill to teach young adults. Students are making purchasing decisions before they leave high school, as students are beginning to engage in paid work experience before entering high school. Like many financial organization and state department of education, The Empowerment Perspective Group has recognized the importance of educating the middle school student population about financial literacy. As a part of The Empowerment Perspective Group’s Empower Youth Initiative, we have developed a financial literacy program for your students.  The program includes a financial literacy curriculum that is adaptable from 5th - 12th grade and will be coupled with our Financial Literacy Fair on-site event. Together, these resources will bring your students the education that they need to be the savvy and educated consumers of the 22nd century. The curriculum provides resources for students on financial planning and earning power, financial services and money management, budgeting, borrowing money, and investing.
 
The highlights of the Financial Units include:
 
Unit 1: Financial Planning & Earning Power - (Interest Survey, job outlook) (Salaries, projected income over the years, embed insurance in this unit)


Unit 2: Financial Services & Money Management - (Savings accounts, checking accounts, online banking, interest bearing accounts, CDs, and high interest-bearing accounts, writing a check, balancing a checkbook, managing a debit card, online banking statements, loans, and paying for schooling)
 
Unit 3: Budgeting and Responsible Consumer (needs vs wants, advertising tactics, Making wise purchasing decisions)
 
Unit 4: Borrowing Money - (Credit cards, interest rates, yearly fees, student loans, consolidated loans, parent plus loans, private loans, federal loans)
 
Unit 5: Investing - (High interest accounts - Stocks, mutual funds, Investing in your future - IRAs, 403b, 401k).
 
The program concludes with a Financial Literacy Fair which involves your students selecting a career and receiving their "salary" (all of the taxes, benefits, etc. are even taken out from their wages!) with a checking and savings account. Students will then proceed to purchase the necessities such has apartment/house, car (need to purchase insurance!) clothes and more. They even will have their chance at the Reality Wheel in which they could get lucky and win a few dollars or have to pay for car repairs! At the end of their financial journey, they will even meet with a financial planner to discuss how they spent their money and areas in which they can improve.
 
This program and curriculum provides students with a holistic perspective of how our day to day finances are used. For the State of New Jersey public schools, this program could satisfy your financial literacy curriculum requirements for your school and/or school district.
 
For more information about this program and/or curriculum, please contact Dr. Damiso A. Josey at damisojosey@theempowermentperspective.com.

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