Quick Links
Right Column
Financial Literacy Resources
Financial Literacy and Consumer Information Materials
We will continuously add to our list of financial literacy and consumer information materials. If your organization would like to submit independent training materials, financial literacy or consumer information publications for us to consider for inclusion in this resource guide, contact Alana Golden at agolden@dfi.ca.gov.
A Consumer's Guide to E-Payments
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Most consumers use credit or debit cards to pay for online purchases, but other payment methods, like e-wallets, are becoming more common. This FTC brochure provides tips on how to make your online transactions as safe and secure as possible. Although you cannot control fraud and deception on the Internet, you can take steps to recognize it, avoid it and report it. The brochure tells how.
Avoiding Credit and Charge Card Fraud
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Steps to make it more difficult for a crook to get your credit or charge card or card numbers. How to report losses and fraud. Tips for protecting yourself against fraud.
Banking on our Future - Operation Hope
http://www.bankingonourfuture.org
Banking on Our Future SM teaches the basics of banking, budgeting, savings and checking accounts, credit, and investing. The program is available on the Web, or on CD-ROM as well as a printed curriculum. Through problem-solving activities, students learn about everyday finances, like opening a savings account and balancing a checkbook. Teens and adults can also learn about credit and basic investing.
Spanish language also available. Closed-captioning for hearing-impaired.
Basics of Saving and Investing: A Teaching Guide
Financial Literacy 2010
1901 N. Fort Myer Drive, Suite 1012-1014
Arlington, VA 22209
703-276-3255
clb@nasaa.org
http://www.fl2010.org
Introduction to financial planning, saving and investing. Addresses financial markets, investment choices and investment information sources, investment fraud and ethical behavior.
Building a Better Credit Record
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Explains how consumer reporting agencies work and your rights under the Fair Credit Reporting Act. Explains how you can legally improve your credit report. Offers tips on dealing with debt. Cautions about credit-related scams and how to avoid them. Lists additional resources.
Building Native Communities - Financial Skills for Families
First Nations Development Institute
11917 Main Street
Fredericksburg, VA 22408
540-371-5615
http://www.firstnations.org
or
Fannie Mae Foundation
4000 Wisconsin Avenue, NW
N. Tower, Suite One
Washington, DC 20016
202-274-8000
http://www.fanniemaefoundation.org
This financial skills curriculum is for Native communities. The purpose is to enable community members to realize their traditional values by learning financial skills that will help each person make informed financial decisions for themselves, their family, and their community.
Catalog of Federal Reserve Financial
Education Publications
Federal Reserve Bank - New York
33 Liberty Street
New York, NY 100045
212-720-6134
http://www.ny.frb.org
Federal Reserve System Publications Catalog. View, order and/or subscribe to public information materials for students, teachers and the general public.
Cha-Ching!
United States Mint
Ordering Information email or web address:
teachersnetwork@usmint.treas.gov
Grade Level: K-2, Language: English
In CHA-CHING activity, students gain experience in the vendor and consumer roles. Students use play money to buy and sell products and keep track of spending and profits. The United States Mint H.I.P. Pocket Change™ Web site offers free educational resources including games, cartoons, lesson plans, and classroom activities.
Choosing and Using Credit Cards
Federal Trade Commission
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Discusses credit card terms and federal consumer protections. Explains various balance computation methods.
Consumer Handbook of Credit Protection Laws
Federal Reserve Board
20th & C Streets NW, Eccles Building, Room B - 2120
Washington D.C, DC 20551
202-452-3245
http://www.federalreserve.gov
Topics include credit laws and how they apply to the cost of credit, credit applications, credit records, billing errors, electronic funds and how and where to complain about credit problems.
Consumer Information Catalog
Consumer Information Center
Pueblo, CO 81009
719-948-4000
http://www.pueblo.gsa.gov
The free catalog published quarterly, lists more than 200 free and low-cost federal booklets on topics ranging from employment to health, from money management to housing, from food to child care.
Credit Crossroads: Home Buying & Credit - Is your credit
on solid ground?
Experian Consumer Education
P.O. Box 1239
Allen, TX 75013
1-800-947-7990
http://www.experian.com
Provides information and advice to help consumers make the complex process of buying a home the happy experience it should be.
Credit, ATM and Debit Cards: What To Do If They're Lost or Stolen
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Tips for protecting your credit and ATM cards, limiting your financial loss, and buying a registration service.
Credit and Your Consumer Rights
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
Brief explanation of your consumer rights under the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Electronic Fund Transfer Act, and the Fair Debt Collection Practices Act. Tips for solving credit problems.
Credit Scoring
Federal Trade Commission
600 Pennsylvania Ave., NW, Mail Drop NJ-2267
Washington, DC 20580
202-326-2368
http://www.ftc.gov
How do creditors decide whether you will repay a loan and make payments on time? Credit scoring is a system creditors use to help determine whether you would be a good risk for credit cards, auto loans and home mortgage loans. Information about you and your credit experiences is collected from your credit application and your credit report. This FTC brochure explains what you can do to improve your credit score, what happens if you are denied credit or don't get the credit terms you want, and where you can get more information or file a complaint.
Electronic
Banking
Federal Trade
Commission
600 Pennsylvania
Ave., NW, Mail Drop NJ-2267
Washington,
DC 20580
202-326-2368
http://www.ftc.gov
Discusses a variety of electronic fund transfer (EFT) services: automated teller machines, direct deposit, pay-by-phone systems, personal computer banking, and point-of-sale transfers. Explains your legal rights and responsibilities regarding your EFT account.
Get the
Facts on Saving and Investing
U.S. Securities
and Exchange Commission
450 Fifth
Street NW
Washington,
DC 20549
202-942-4040
http://www.sec.gov/consumer/cosra/brochure.htm
An introduction to the basics of saving and investing. Includes self-assessment, investment choices, monitoring your progress and avoiding problems.
Hands on Banking and El futuro en tus manos financial literacy programs For the online version, please visit www.handsonbanking.org or www.elfuturoentusmanos.org.
For free CD-ROM or curriculum materials - email HOBCD@wellsfargo.com
For General Information – email HOBINFO@wellsfargo.com
Technical Assistance – email HOBTECH@wellfargo.com
Toll-free phone number 866-650-6228.
The new and improved site includes more robust modules
and it serves a larger audience. The educational content
truly makes this site unique. All student sections
(kids, teens, high school) have been designed to meet
national and state educational alignment standards
for literacy, math and economics, and Hands on Banking
and El futuro en tus manos contain no product promotion
or commercial content. The new adult modules teach
financial skills for real world tasks, including responsible
borrowing, credit and money management, and investing.
Also addressed are how-to’s for buying a home and
for starting and managing your own business.
How To
Buy Your Own Home: Teacher's Guide and Student Workbook
Fannie Mae
Foundation
4000 Wisconsin
Avenue Northwest, North Tower, Suite 1
Washington,
DC 20016-2804
1-800-539-4051
http://www.fanniemaefoundation.org
"How to Buy Your Own Home" helps students prepare for homeownership. Call toll-free to receive a sample student workbook and teacher's guide. Covers topics such as home/buying, budgeting, the importance of credit, mortgage loans, how to establish a credit history and monthly expenses related to buying a home of your own.
617 Limecrest Road
Newton, NJ 07860
973-903-7869
Ordering Information email or web address:
oneill@aesop.rutgers.edu
http://www.rce.rutgers.edu/money2000
http://www.investing.rutgers.edu
INVESTING FOR YOUR FUTURE is a basic investing home study course that can also be used in high school or adult education classes. An accompanying Self-Study Guide can be used as a classroom Teaching Guide. A CD-ROM contains about 240 PowerPoint slides for a 6-week class. The CD also includes class marketing and evaluation materials.
Invest
Wisely, Mutual Funds
U.S. Securities
and Exchange Commission
450 5th Street,
NW
Washington
D.C, DC 20549
202-942-7040
http://www.SEC.gov/investor/pubs/inwsmf.htm
Basic information on how to select a brokerage firm and salesperson, and how to open an account. Provides names and addresses of securities regulations. Identifies warning signs of investment fraud.
Junior
Achievement Personal Finance
Junior Achievement
Inc.
One Education
Way
Colorado
Springs, CO 80906
719-540-8000
http://www.ja.org
Junior Achievement Personal Finance is a web-based program that incorporates hands-on, interactive learning techniques with internet-driven instructional strategies and assessment tools. The program offers 16 activities on topics related to income, spending, credit, saving, investing, and risk management. Activities are designed to help students make informed decisions about the effective use of income to reach personal financial goals. The program correlates with national education standards in personal finance, economics, technology, communications, reading, and writing.
Invest
Wisely, Mutual Funds
U.S. Securities
and Exchange Commission
450 5th Street,
NW
Washington
D.C, DC 20549
202-942-7040
http://www.SEC.gov/investor/pubs/inwsmf.htm
Basic information on how to select a brokerage firm and salesperson, and how to open an account. Provides names and addresses of securities regulations. Identifies warning signs of investment fraud.
Making
the Most of Your Money: Budgeting & Saving
Federal Reserve
Bank of Chicago
230 South
LaSalle Street
Chicago,
IL 60604-1413
312-322-5111
http://www.frbchi.org
http://www.frbchi.org/consumerinformation/projectmoneysmart/budgetingandsaving.cfm.
This easy-to-read booklet outlines the basics of setting financial goals, creating a budget and saving money. It features a handy fold-out budget worksheet. View the text online at http://www.frbchi.org/consumerinformation/projectmoneysmart/budgetingandsaving.cfm.
Money Math:
Lessons for Life U.S. Treasury/Marketing Office
200 Chestnut
St., Suite 231
Philadelphia,
PA 19106-2902
215-597-2423
http://www.moneymath@bpd.treas.gov
http://www.savingsbonds.gov/sav/savlearn.htm
Four lesson plans designed to teach middle-school mathematics students about personal finance Lesson 1: percents, saving, compound interest Lesson 2: measurements, expenses, budgets Lesson 3: applying data, problem solving, earning income, taxes Lesson 4: using computer spreadsheets, budgeting
Money Smart
- Federal Deposit Insurance Corporation Money Smart
Order Desk
PA-1730-7070B
550 17th
Street, NW
Washington,
DC 20429
http://www.fdic.gov/consumers/consumer/moneysmart/index.html
The FDIC's Money Smart program is a set of 10 instructor-led training modules covering basic financial topics. Each training module includes a comprehensive guide for instructors and a take-home booklet for class participants. The Money Smart program is designed to consume about 60 minutes of class time per module. Module titles: Bank on it, Borrowing Basics, Check it Out, Keep it Safe, Money Matters, Pay Yourself First, To Your Credit. Charge it Right, Loan to Own, and Your Own Home.
National
Council on Economic Education Publications Catalog
National
Council on Economic Education
1140 Avenue
of the Americas
New York,
NY 10036
1-800-338-1192
http://www.ncee.net
Lists the publications and audiovisual materials available from the National Council on Economic Education. Includes teaching guides, CD-ROM, and the "Financial Fitness for Life" series for K-12 classrooms.
NEFE High
School Financial Planning Program ®
National
Endowment for Financial Education
5299 DTC
Boulevard, Suite 1300
Greenwood
Village, CO 80111
303-224-3510
http://www.nefe.org
Instructor's manual, student workbook, activities and tests provide opportunities to apply a financial planning process to personal goal setting, budgeting, use of credit, saving and investing. Teaches financial responsibility.
Ready,
Set ... Credit
Federal Trade
Commission
600 Pennsylvania
Ave., NW, Mail Drop NJ-2267
Washington,
DC 20580
202-326-2368
http://www.ftc.gov
For consumers who are about to get their first credit card. Explains how to qualify for a card, get the best deal, and manage your account. Stresses the importance of a good credit history. Discusses federal consumer protections.
Reaching ALL YouthSM – Paying for College
ALL Student Loan
6701 Center Drive West, Suite 500
Los Angeles, CA 90045
Toll-free number: 888.271.9721
http://www.allstudentloan.org
Reaching ALL YouthSM is an education outreach program created by ALL Student Loan, a nonprofit 501(c)(3) organization, to provide students and parents with information about financial aid options for college, responsible student loan borrowing, and repayment options. The organization’s FREE “Pre-College Financial Aid Guides” (in English and Spanish) introduces available financial aid sources for higher education, including federal grants, scholarships, work-study programs, and federally-sponsored student and parent loans. The guide also introduces the process of applying for financial aid using the FAFSA (Free Application for Federal Student Aid) and provides a planning calendar for juniors and seniors in high school that details test-taking deadlines, and when to schedule campus visits. The guide is an invaluable source for anyone interested in planning for college and can be made available in large quantities for educational purposes.
Download the FREE Pre-College Financial Aid Guide: www.allstudentloan.org/financialaid
Saving
Fitness -- A Guide to Your Money and Your Financial
Future
U.S. Department
of Labor
200 Constitution
Ave. N.W.
Washington,
DC 20210
1-800-998-7542
http://www.dol.gov/dol/pwba
Savings Fitness is a free step-by-step guide to help American workers manage money and save for financial goals such as retirement and other needs along the way. Of interest to high school students and young adults, the booklet explains employer based savings programs, what to do if you are self-employed, and the magic growth potential of saving and investing small amounts of money over long periods of time.
Shop Safely
Online
Federal Trade
Commission
600 Pennsylvania
Ave., NW, Mail Drop NJ-2267
Washington,
DC 20580
202-326-2368
http://www.ftc.gov
Offers tips to help ensure that your online shopping experience is a safe one. Also discusses security and privacy issues.
The Hundred
Penny Box: Lesson Plan
Money Management
International
Lesson Plan
available on Web site only:
sarapage@umsl.edu
http://www.moneymanagement.org/Education/Resources/
This lesson plan explores the benefits of saving and interest compounding, using the popular children's book, The Hundred Penny Box.
The Money
Story
The United
States Mint
801 9th Street,
NW
Washington,
DC 20220
http://www.usmint.gov
The Money Story video introduces students to the history, production and uses of U.S. currency. The United States Mint and the Bureau of Engraving and Printing worked together to design this multimedia kit for use with intermediate grades. The kit includes a Teachers' Guide with objectives, classroom activities, a poster and reproducible materials in addition to the 30-minute video.
When Your Home Is on the Line: What You Should Know about Home Equity Lines of Credit
Federal Reserve PublicationsPublications Services
MS-127
Board of Governors of the Federal Reserve System
Washington, DC 20551
202-452-3245 or FAX 202-728-5886
http://www.federalreserve.gov/pubs/order.htm
Information on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan. Available in English and Spanish.
More Federal Reserve Publications:
Consumer Handbook to Credit Protection Laws
Explains how to shop for and obtain credit, how to maintain a good credit rating, how to dispute unfair credit transactions, and how to resolve billing errors.
Consumer Handbook on Adjustable-Rate Mortgages
Basic information on an important and complex mortgage option.
A Guide to Business Credit for Women, Minorities, and Small Businesses
Explains the credit application process for small business loans and steps to take if a loan is denied. Also provides information on the Equal Credit Opportunity Act and gives sources for assistance in the application process.
Home Mortgages: Understanding the Process and Your Right to Fair Lending
Guidance on shopping for a home mortgage, making an application, and understanding your rights to fair lending.
Looking for the Best Mortgage: Shop, Compare, Negotiate
Guidance on identifying all the costs of your mortgage and negotiating the best loan terms.
Shop: The Credit Card You Pick Can Save You Money
Guidance on shopping for a credit card and understanding the information in credit card solicitations and applications.
When Is Your Check Not a Check? Electronic Check
Conversion
Guidance for consumers on what electronic check conversion is, what rights consumers have, and what consumers can do if there's a problem or error.
Weaving Your Future With Money and Wisdom
NEFE
5299 DTC Blvd., Suite 1300
Greenwood Village, CO 80111
http://www.nefe.org/pages/educational.html
Weaving your Future with Money and Wisdom, created by NEFE and United National Indian Tribal Youth, focuses on Native American youth and the financial choices they face. Topics identified by tribal youth leaders include creating a spending plan, easy ways to save, rethinking vehicles, everyday buying and bill paying, saving for short and long-term goals, keeping debt under control, and finding a career or vocation. To receive a single copy of the publication, submit a written request to NEFE. Please include a return street address, and allow three to four weeks for delivery.
Your Credit Counts Challenge:
Participant's Guide
National Council on Economic Education
National Council on Economic Education
1140 Avenue of the Americas
New York, NY 10036
800-338-1192
Ordering Information email or web address:
sales@ncee.net
http://www.ncee.net
http://store.ncee.net/personalfinance.html
YOUR CREDIT COUNTS CHALLENGE: Participant's Guide is designed to teach low-to-moderate income adults about money and credit management. The guide also explains the process of buying a home. It identifies principles for building wealth over time: Spend less than you receive, start saving early, buy and hold, diversify your investments. A companion Trainer's Guide is available. (English, Spanish)
Your Spending,
Your Savings, Your Future
NEFE
5299 DTC Blvd., Suite 1300
Greenwood Village, CO 80111
http://www.nefe.org/pages/educational.html
This publication helps adults learn to use money wisely and take control of their financial situation. Teachers and parents will discover ways to improve their personal financial skills. Copies of the publication may be obtained by submitting a written request. Please include your return address, and allow three to four weeks for delivery.
Please note: Although we reviewed the materials for accuracy, completeness and appropriateness for educational use, inclusion in this resource guide does not constitute endorsement of any of the materials included in this list.