- Budgeting and Financial Decision-Making – This program gives students a solid grounding in a variety of real-life money matters. It provides financial decision-making methods, advises on consumer concerns such as buying versus renting, outlines insurance types and terminology, and discusses the financial scams that students are most likely to encounter.Reviewing the critical concepts of impulse buying and opportunity cost, the video also demonstrates how to set goals and create a budget based on the 50/30/20 plan.Highlights include graphical breakdowns of the PMI and PACED decision-making methods, maintaining wireless Internet security to avoid identity theft, and a realistic way to choose when faced with a not-so-simple yes-or-no financial decision.Click here to download a free instructor’s guide.
- Checking Accounts and Everyday Banking – Do checking accounts earn interest? Is e-banking safe? Whats the best way to pay for things when traveling out of the country?This program schools viewers in the basics of financial transactions, then arms them with how-to’s and tips for choosing a bank, writing and depositing checks, using a debit card, and balancing a checkbook.E-banking to manage accounts and transfer funds is discussed, with security concerns foremost. The video also explains wire transfers and money orders, and advises on changing money and using travelers checks when abroad.Highlights include the pros and cons of ATMs, hidden fees associated with checking accounts, and buying and using gift cards.Click here to download a free instructor’s guide.
- Credit, Borrowing, and Debt – Recognizing that students may have hazy notions about the consequences of over-spending, this program provides practical information about credit card use, credit reports, credit problems, and managing debt.Viewers learn how to build a credit history and raise a low credit score – and why this is important. Taking a look at a sample credit card statement, the video explains the various fees, charges, and rates, and cautions against relying on cash advances.Mortgages, home equity loans, and the more costly alternative loans are covered as well. The program closes with strategies for getting and staying out of debt.Highlights include applying for a car loan, a checklist of warning signs of financial irresponsibility, and ways to fix credit problems.Click here to download a free instructor’s guide.
- Saving and Investing – Stocks and bonds, money market and mutual funds, IRAs and Roth IRAs, CDs and annuities, and good-old-fashioned passbook accounts – this program helps students make sense of the many ways to save and invest money.With input from financial experts about the risks and rewards of each, the video defines terms viewers may have heard but not understood, such as compound interest, capital gains and losses, the NASDAQ and the Dow, market risk, inflation, and dividends.Smart, clear graphics help explain how the stock market works, the four types of bonds, saving for retirement, and the value of diversifying.Highlights include opening a brokerage account, the best time to buy and sell stocks, and investing in a college degree.Click here to download a free instructor’s guide.
- Taxes and Tax Benefits – If you earn money, spend money, or save money, you have to pay taxes. If the money you save earns money, you have to pay taxes on that, too.This program explains the essentials of taxes, helping students to become well-informed about both earned and investment income taxes, workplace tax benefits, and filing an annual return.It covers paycheck deductions, the W-2 and W-4 forms, guidelines for using the 1040-EZ form, and tax breaks such as exemptions, deductions, and credits.Compelling graphical breakdowns urge young viewers to pay into a 401(k) plan, even if they’d prefer to spend that money now. Highlights include a demonstration of how large even a modest 401(k) contribution can grow over 30 years, and when to itemize deductions.Click here to download a free instructor’s guide.