Table of Contents

• Financial Literacy Home Page
• Reference Room Resources
• Finding Books in MaagNet & OhioLINK
• Electronic Books
• Government Resources
• Financial Literacy Articles & Research
• Publications for College Students
• Web Resources

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Financial Literacy
Resources on the Web

• 360 Degrees of Financial Literacy
  The 360 Degrees of Financial Literacy Web site offers information to help consumers make sound financial decisions at every stage of their lives.
  • Life Stages
  • Financial Topics
  • Financial Guidance Book
  • Women
  • Ask the Money Doctor

• The American Institute of Certified Public Accountants: 360 Degrees of Financial Literacy: CPA Financial Literacy Resource Center
  360 Degrees of Financial Literacy is a multi-faceted effort, spearheaded by the AICPA, with the support of state CPA societies. The program encourages CPAs to take a broad leadership role in volunteering to educate the American public, from school children to retirees, on financial topics that apply specifically to their particular stage of life.

• Bankrate.com: Bankrate’s Guide to Financial Literacy
  Bankrate’s Guide to Financial Literacy shines a spotlight on 18 personal finance topics essential for financial success.

• Center for Student Credit Card Education
  Founded in 2001 by Carol A. Carolan, Ph.D., CSCCE is dedicated to improving the credit card literacy of America’s students. For the better part of two years Dr. Carolan researched student credit card usage, raised awareness of the problem and created educational materials to improve student credit card literacy. These educational materials formed the basis for a course entitled “The ABCs of Credit Card Finance,” that teaches college and college bound students how to wisely choose and responsible use a credit card. The program is provided without charge and more than 1.5 million students, in all 50 states, have participated in the course.

• ChoiceNerd.com: Money Matters
  ChoiceNerd.com was created to serve as a database of useful information that may help you build wealth instead of debt. The Money Matters section covers a wide array of financial topics. You will learn how to invest in stocks, mutual funds, and bonds. The dynamics of credit cards are discussed and you will understand the importance of maintaining good credit. Banking products and money saving tips are also highlighted. The Money Matters section is a valuable resource to young adults just getting started with financial planning.

• ConsumerCents
  ConsumerCents offers dynamic financial education materials, free access to certified financial counselors and valuable educational tools and resources to help build financial confidence. Upon registration, all of the materials, tools, resources and support services can be accessed absolutely free of charge.

• Consumer Jungle
  Consumer Jungle is an interactive, web-based program that helps high school students become literate, savvy consumers. Consumer Jungle provides engaging and relevant consumer education curricula covering a variety of topics such as credit cards, transportation, living on your own, personal finances, telecommunications, health, and e-commerce fraud. Developed with input from teachers, students, and parents, Consumer Jungle delivers interactive games, activities, and relevant information directly to the home or classroom.

• Council for Economic Education
  The mission of the Council for Economic Education is two-fold: To advocate for better and greater school-based economic and personal finance education at the K-12 level; and to educate young people in the United States and around the world, primarily through well-prepared teachers, so they may become empowered with economic and financial literacy.
  • EconEdLink
    A premier source of classroom tested, Internet-based economic lesson materials for K-12 teachers and their students.
  • It All Adds Up
    Website for teens who want to get a head start on their financial future. Play online games and simulations to learn about credit management, buying a car, paying for college, budgeting, saving and investing.

• Credit.com
  Serving as an educator, advocate and facilitator, Credit.com empowers consumers with easy-to-understand information about money, credit, loans and more. Credit.com is partnered with trusted financial experts and select companies in order to offer online consumers insightful tips, helpful tools and excellent deals.

• EDWISE Online Financial Planning Guide
  EDFUND and UCLA developed the EDWISE® Online Financial Planning Guide in a collaborative effort to provide a useful loan management tool for students. Student loans help place the world of higher education within everyone’s reach. While they open doors to exciting careers, they also pose the challenge of financial management.

• Family Economics & Financial Education
  The FEFE project is in collaboration with the Take Charge America Institute at The University of Arizona in Tucson and the credit counseling and debt management company Take Charge America, Inc. The mission is to provide educators with no-cost curriculum materials and the skills and confidence to effectively teach family economics and finance to their students.

• Financial Literacy & Education Summit 2009
  This year’s Financial Literacy and Education Summit convened international leaders in finance to discuss the most pressing economic challenges facing people everywhere and how best to approach those challenges. The Summit panelists discussed how various regions of the world approach financial education and how, in light of the global crisis, we can apply best practices in ensuring that consumers have the necessary tools and resources to make wise financial decisions.
  >>Watch the free webcast now

• Foundation for Financial Literacy
  The purpose of the Foundation For Financial Literacy is to support educational, charitable, religious and scientific programs and organizations that utilize financial education to teach the difference between earned, passive and portfolio income and also educate individuals to convert earned income into passive and portfolio income. The Foundation’s mission is to elevate the financial well-being of humanity.

• Georgia Consortium for Personal Financial Literacy
  The Georgia Consortium for Personal Financial Literacy seeks to raise public awareness, develop an educational network of businesses and public agencies, track and present research findings, recognize best practices in a variety of arenas and serve as a type of Clearinghouse through which individuals and organizations can have access to resources, services, speakers, research results and programs.

• Hands on Banking
  From Wells Fargo Bank. Want to take charge of your own finances and reach your goals? Just pick your age group and get started! Whether you want to build your credit, your investments, or your own small business; invest in the market, a home, or higher education; shop for a loan, buy a car, or open your first bank accounts, the Hands on Banking program offers all the basic money tools, skills, and information you need.
  • Hands on Banking Program for Adults
  • Hands on Banking Program for Young Adults
  • Hands on Banking Program for Teens
  • Hands on Banking Program for Kids
  • Instructional Resources

• Illinois Department of Financial & Professional Regulation: Financial Literacy 101

• Institute for Financial Literacy
  The mission of the Institute for Financial Literacy is to make effective financial literacy education available for all American adults. The Institute accomplishes its mission by working with organizations to incorporate financial education into their existing services.  The Institute also provides direct delivery of financial counseling and education to the general public. As the national authority on adult financial education, the Institute advances professionalism and effectiveness in the field of financial literacy by setting the National Standards for Adult Financial Literacy Education™, hosting the Annual Conference on Financial Education™, maintaining the Library of Personal Finance™, and administering the Center for Financial Certifications™ and the Center for Consumer Financial Research™.

• Institute of Consumer Financial Education
  The ICFE is dedicated to helping people of all ages improve their spending, increase their savings and use credit more wisely.

• The International Gateway for Financial Education
  The IGFE is established by the Organisation of Economic Co-operation and Development (OECD) as part of its overall comprehensive project on financial education. The main objectives of the gateway are to: Launch and develop the first global clearinghouse on financial education which gathers an extensive and comprehensive range of information, data, resources, research and news on financial education issues and programmes around the globe; Raise awareness on, and visibility of, financial education issues worldwide and ensure the wide dissemination of research, best practices and guidelines on financial education; Promote the access to and exchange of information, knowledge, experience and expertise on financial education; Support the creation of a worldwide network of governmental representatives and key stakeholders on financial education; Encourage further the elaboration of best practices and principles with the guidance of the network and under the aegis of the OECD.

• Jump$tart Coalition for Personal Financial Literacy
  Jump$tart is a national coalition of organizations dedicated to improving the financial literacy of kindergarten through college-age youth by providing advocacy, research, standards and educational resources. Jump$tart strives to prepare youth for life-long successful financial decision-making.
  • President’s Advisory Council on Financial Literacy: 2008 Annual Report to the President
    “On January 22, 2008, President George W. Bush signed an executive order creating, for the first time, a President’s Advisory Council on Financial Literacy. The charge was simple, yet daunting: improve financial literacy among all Americans.” - Charles R. Schwab, Chairman, President’s Advisory Council on Financial Literacy
  • National Standards in K-12 Personal Finance Education
    These standards, created by the Jump$tart Coalition in conjuction with educational and financial services experts, delineate the personal finance knowledge and skills that K-12 students should possess.
  • Jump$tart’s Reality Check
    A student online calculator that tells you how much income you will need when you are on your own to support the lifestyle you want. You fill out a checklist of lifestyle wants, including choice of shelter, transportation, food, utilities, entertainment and personal items. Then REALITY CHECK tells you how much income you will need to support your wants, lists a few jobs that fall into your desired pay scale, and the level of education you will need.
  • Personal Finance Clearinghouse
    A database of personal finance resources available from a variety of education providers such as government, business and non-profit organizations. Once you find a material of interest, you can order it directly from the source. Many of the materials are low cost or free of charge. Teachers often use these personal finance teaching materials to support their state’s standards in economics, business, math and family and consumer science.

• Kiplinger.com: The Basics of Money
  How to invest, manage your money and spend wisely.
• Kiplinger.com: A Grad’s Guide to the Real World
  Shows students how to start out on the right foot, and gives parents the tools to point their kids in the best financial direction.

• MasterCard: Responsible Spending
  MasterCard offers robust consumer education programs with initiatives that are specifically designed to educate consumers on the value of responsible spending and how to develop sound money management skills.
  • Are You Credit Wise?
  • Debt Know-How
  • Peace of Mind

• the mint
  The Northwestern Mutual Foundation partnered with the National Council on Economic Education (NCEE) in the development of themint.org. Launched in 1997, the site provides tools to help parents as well as educators teach children to manage money wisely and develop good financial habits: the building blocks for a secure future.

• MoneySKILL
  MoneySKILL is a free online reality based personal finance course for young adults developed by the AFSA Education Foundation. This interactive curriculum is aimed at the millions of high school and college students who graduate each year without a basic understanding of money mangement fundamentals.

• MoneyWi$e
  MoneyWi$e, a national financial literacy partnership of Consumer Action and Capital One, is the first program of its kind to combine free, multilingual financial education materials, curricula and teaching aids with regional meetings and roundtables to train community-based organization staff so that consumers at all income levels and walks of life can be reached. Click on Publications tab to access the full collection of MoneyWi$e publications.

• National Endowment for Financial Education
  The mission of the NEFE is to help individual Americans acquire the knowledge and skills necessary to take control of their financial destiny. NEFE’s mission is grounded in the belief that regardless of background or income level, financially informed individuals are better able to: Take control of their circumstances; Improve their quality of life; and Ensure a stable future for themselves and their families.
  • High School Financial Planning Program
  • Smart About Money
  • CashCourse

• National Financial Education Network Database for State & Local Governments
  Established by the Federal government’s Financial Literacy and Education Commission in April of 2007, the National Financial Education Network of state and local governments brings together representatives from different areas and levels of government across the nation to advance financial education efforts. Members of the Network are able to communicate with each other and collaborate on projects and ideas that can have a broad impact in financial education. This Web site, hosted by the National Association of Government Defined Contribution Administrators, serves as a database where Network members post information on the large variety of programs and services offered to help individuals better manage their personal finances. Through its search engine and browsing links, the Web site helps all individuals looking for personal financial information.

• National Foundation for Credit Counseling
  With over 100 member agencies and more than 900 local offices throughout the country, the NFCC is the national voice for its members, which are nonprofit, mission driven, community-based agencies. Each year, more than one million people receive counseling and educational services from NFCC member agencies. More than one-third of all consumers who come to an NFCC agency for counseling are able to manage their debt on their own after receiving financial education and counseling.

• Ohio Jump$tart
  Ohio JumpStart Coalition for Personal Financial Literacy seeks to create and sustain an effective infrastructure to champion and support the systematic delivery of personal finance knowledge to Ohio school children during the K-12 classroom delivery.

• Practical Money Skills for Life
  PracticalMoneySkills.com is a free Web site designed to help educators, parents and students practice better money management for life. To help today’s youths and consumers of all ages become financially savvy, Visa has partnered with leading consumer advocates, educators and financial institutions to launch a national program to improve the nation’s financial skills — Practical Money Skills for Life.
  • Podcast Center
  • Practical Money Guides: Budget Basics; Credit Card Basics; Credit History; Debit Card Basics; Identity Theft; Prepaid Card Basics
    

• Public Library of Youngstown and Mahoning County: Smart Money

• Schwab MoneyWise
  Created by The Charles Schwab Corporation, this website is designed to promote financial knowledge and understanding. The goal is to provide the fundamental information and concepts everyone needs in order to make good financial decisions and thrive in an increasingly complex financial world.

• Show Me the Future
  Mapping Your Future’s Show Me the Future is a financial literacy and life skills game, designed to help 12-20 year olds prepare for their futures.  The game helps players understand: the cost of living; budgeting, which is vital to financial freedom; the difference between wants and needs; the importance of financial planning; the need to set career goals; and the value of higher education.

• Society for Financial Education and Professional Development
  The primary mission of this non-profit organization is to enhance the level of financial and economic literacy of individuals and households in the United States and promote professional development at the initial stage of career development and mid-level management.

• Student Credit Cards Center
  StudentCreditCardsCenter.com was created to provide students with a complete guide to educate themselves about credit card options. Their goal is to make sure that you have the knowledge, resources, and tools to make a choice on which credit card is right for you. They have articles on the site for you to learn more about credit scores, top card brands, and how to obtain your first card.

• The Student’s Guide to Understanding and Planning Your Financial Future
  A primer on credit, savings, investments, insurance - the basics you should know to get on solid financial footing.

• WhatsMyScore.org
  What’s My Score consists of a wide variety of resources to help students learn the basics of financial management, including: budgeting, saving, paying for college, buying a car, getting a first job, protecting their identity and critically evaluating different loans. There are also comprehensive materials available to assist college professors and administrators in teaching students about these vital financial life skills. All of the resources on “What’s My Score” are being provided to students and colleges at no cost.
  • Money Guides
  • Money 101 Presenters Guide: A Crash Course in Better Money Management for College Students (PDF)
  • Money 101 Student Workbook (PDF)
  • Money 101 Interactive Version (Flash Player required)
  • Money 101 Online Version (PDF)
  • Money 101 PowerPoint Presentation
  • What’s My Score Brochure (PDF)
  • Guide to Credit Cards (PDF)
  • Understanding Your Credit Score (PDF)

• Young Americans Center for Financial Education
  Young Americans Center for Financial Education is home to Young Americans Bank and an incredible array of award-winning nonprofit programs, all designed to teach young people 21 and under about finance, economics and business.