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Thrive by Five

Teaching Your Preschooler About Spending and Saving–free activities and other resources for parents who want to encourage healthy attitudes about money in young children.

Thrive by Five (TM): Teaching Your Preschooler About Spending and Saving–free activities and other resources for parents who want to encourage healthy attitudes about money in young children.

Link to: Thrive by Five

 

mother and child with piggy bank

Teaching Your Preschooler About Spending and Saving (available in both English and Spanish). Children learn about money from many sources. Long before they …

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Financial Security for All Contents

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Planning for a Secure Retirement Lesson English version

Planning for a Secure Retirement
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Are you looking forward to the day you retire? Or, do you dread the thought? Being able to retire when you want and how you want is important to many people. Planning ahead can put you in a position to live comfortably during your retirement.

The objective of this course is to help you with your planning for retirement. Each module provides information that can be valuable in answering the questions you

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Household Filing System

To develop a household filing system, you may wish to use the following suggested list of headings and subheadings.

Household Filing System Categories

Bills

Paid Bill Receipts
Unpaid Bills
Tax Receipts
Papers to File

Financial Accounts

Banking
Canceled Checks
Account Books
Statements
Credit Card List
Credit Card Receipts
Deposit Slips
Installment Agreements
Loan Contracts
Safe Deposit Box
List of Contents
Key

Investments and Savings

Bank Savings
Credit Union
Money Market Accounts
Mutual Funds
Stocks and Bonds
Other Investments

Insurance Papers…

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Financial Security for All Learning Lessons

Image of smiling female soldier seated at computer workstation

Our learning lessons are designed to give you in-depth knowledge on specific personal finance issues and challenges. Please review the lessons that are applicable to your situation.

Learning Lessons:

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Financial Security: Talking About Money

Why should we talk about money? We learned as children how impolite it was to ask how much someone paid for something, didn’t we?

Unfortunately, there can be severe consequences when money is not talked about. Many couples cite money problems as a factor in divorce. Consumers find they have been taken advantage of when they do not ask for estimates before buying goods and services. And many families are forced to deal with addtional stress after the death of
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Financial Security: Saving and Investing

Even though the words “saving” and “investing” are often used interchangeably, there are differences between the two.

Saving provides funds for emergencies and for making specific purchases in the relatively near future (usually three years or less). Safety of the principal and liquidity of the funds (ease of converting to cash) are important aspects of savings dollars. Because of these characteristics, savings dollars generally yield a low rate of return and do not maintain purchasing power.

time and money

Investing, on the other …

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Financial Security: Retirement Planning

retired couple

Planning for retirement is a challenge for everyone. Again, the earlier you begin, the longer you will have to accumulate funds and capitalize on compound interest. A plan designed to meet specific retirement goals may be separate from or part of the investment building block.

Some people have given a great deal of thought to retirement, but others have not. Less than half (42%) of working Americans have made a retirement savings calculation, according to the 2006 Retirement Confidence Survey, …

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Financial Security: Legal Topics

scale of justice

 

Legal issues that impact financial security include topics such as: property ownership, estate planning, advance directives for health care, and guardianship for minor children.

 

Advance Directives

Many Americans die without a will or advanced health directives. Several factors are often cited for this lack of preparation. Many people believe that property will pass on to their heirs under state law in a manner they would like. Some just never get around to making specific legal arrangements to protect their survivors. …

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Financial Security: Insurance

couple in front of home

Personal insurance includes health insurance, disability insurance, life insurance, liability insurance, and property insurance. The purpose of insurance is to guard against risks.

Every day we are exposed to many risks which can cause a financial loss. Accidents, property damage, illness, and death are risks we often consider. However, other risks, such as the possibility of being sued or becoming disabled and unable to work, are also important. We each have to decide how we will protect ourselves should a …

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