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Boot camp overview and activities felker award workshop-neafcs-09-11
1. Dean Don Felker Award Presentation
Financial Education Boot Camp:
Overview and Learning Activities
Barbara O’Neill, Ph.D., CFP®
Rutgers Cooperative Extension
oneill@aesop.rutgers.edu
2. Background Data: Council for Economic
Education Survey of the States (2009)
• 13 states require a personal finance course as a
graduation requirement (7 states in 2007)
• 34 states require implementation of personal finance
content standards (28 in 2007)
• 2008-2009 financial crisis called attention to consequences
of personal finance knowledge and skills
– NJ “perfect storm” for financial education
4. Background Data: Way & Holden Study of
Teachers’ Capacity to Teach Personal Finance
• Published in JFCP (2009, Volume 20, Issue 2):
http://www.afcpe.org/publications/journal-
articles.php?volume=384&article=369
• Online survey of K-12 teachers in 8 states (N = 504)
• Little formal education in personal finance
• YET…formal education is significant predictor of teachers’
perceived competence to teach personal finance
• Limited perceived preparedness in both subject matter
and pedagogy (i.e., content and methods)
• Greatest hesitancy: insurance and saving/investing
5. Way & Holden Study Conclusion
“One of the main implications of this
study is that there is a great need to
expand personal finance educational
opportunities for pre-service and in-
service teachers in order to meet both
their personal and professional needs.”
6. Enter Financial Education Boot Camp
• Funded through NJ Coalition For Financial Education in
cooperation with Rutgers Cooperative Extension
• Funders to date: Citi, NJ Credit Union Foundation, and
Council For Economic Education
• Seeking funding for online Boot Camp in 2012
• Methods and impacts will be discussed in second
workshop
• This workshop will describe four subject matter content
learning activities from BC I and BC II
7. Financial Education Boot Camp
• Boot Camp Definition (Webster’s): “A
short concentrated period of intensive
training prior to assuming new roles,
responsibilities, and/or challenges.”
• Includes both content and methods
8. Boot Camp Goals
1. Review personal finance content to improve
subject matter knowledge
Increased knowledge and skills = better teaching!
2. Share activities, strategies, and resources to teach
personal finance/financial literacy
3. Provide helpful information for personal use
4. Increase confidence to teach personal finance
9. Key Point: Teachers Don’t “Sit” Well
• Keep Boot Camp content lectures short (75 minutes
max)
• 75% of Boot Camp is discussion or small group
activities
• Provide opportunities for teachers to seek information
(from free curricula, books, etc.) and teach each other
10. Intensive Small Group Learning Activities
After Content Presentation
Boot Camp I (BASIC) Boot Camp II (Advanced)
• Day 1- PowerPoint • Day 1- Time Value of
Jeopardy!-Style Game Money Problems
• Day 2- PowerPoint • Day 2- Financial Case
“Millionaire”-Style game Study Analysis
Teachers together work in
“cabins”
11. Game Developed by Boot Camp Participants
Tax Forms and Returns Tax Deductions and Credits Insurance The Time Value of Money Saving and Investing
100 100 100
100
100 100
100 100
100
200 200 200 200 200
300 300 300 300 300
400 400 400 400 400
500 500 500 500 500
14. The Answer is:
The person with more money: Barack who
has $1 million and George W. who has 1cent
(i.e., a penny) at the start of the month and
doubles this amount for 30 straight days.
20. 15 $1 Million
14 $500,000
Which of the 13
12
$250,000
$125,000
following is NOT a 11
10
$64,000
$32,000
term related to 9
8
$16,000
$8,000
credit? 7
6
$4,000
$2,000
5 $1,000
4 $500
3 $300
50:50 2 $200
1 $100
A: Origination fee B: FICO
C: APY D: APR
27. The Time Value of Money
• Changes in an amount of money as a result of
interest earned.
• Saving today means more money tomorrow.
• 4 types of time value calculations
– Future value of a single amount (lump sum)
– Future value of a series of deposits (annuity)
– Present value of a single amount (lump sum)
– Present value of a series of deposits (annuity)
28. Key Variables in TV of Money Problems
• N- Number of compounding periods
• % i- Interest rate (for compounding FV or discounting PV)
• PV
• FV
• For annuity calculations, periodic deposits or withdrawals
– Enter 3 known variables; solve for the 4th (unknown) variable
29. Future Value of a Lump Sum Example
Future Value (FV)–Value of an asset at the end of a
particular time period.
Example: Value of $1,000
in 4 years at 8% interest
? FVF (8%, 4 years) = 1.360
1,000 x 1.3605 = $1,360
30. Future Value of an Annuity Example
FV of an Annuity (FVOA)- What principal will grow
to over time if a series of regular deposits are made.
Example: $2,000 annual
deposits to Roth IRA at 8%
interest for 40 years from age
22 to 62 = $518,120
?
FVOA (8%, 40 years) =
259.060
$2,000 x 259.060
31. Present Value of a Lump Sum Example
Present/Discounted Value (PV)–Current
value of an asset that will be received in the
future.
Example: Today’s value of a
$25,000 inheritance to be received in
10 years, assuming the principal
earns an 8% average annual return.
PV (8%, 10 years) = 0.463
$25,000 x 0.463 = $11,575
32. Present Value of an Annuity Example
PV of an Annuity (PVOA)- Present value of a
stream of payments to be received in the future.
Example: The amount to have
invested at retirement to provide
$30,000 of income per year for
20 years with a 7% return =
$317,820
PVOA (7%, 20 years) = 10.594
$30,000 x 10.594
33. Problem #1
Your first “real” job pays $32,000 a year to start. How
much will you need to be earning in 20 years to
maintain the same purchasing power if inflation
averages
3%?
4%?
5%?
34. Problem #10
Your grandparents, both age 62, have a retirement fund
of $100,000 saved to supplement their pension and Social
Security. Assuming an average annual interest rate of
7%, how long will the fund last if they withdraw $750 per
month? What would you advise them to do?
NOW create and solve your own
PERSONAL time value of money
problem and share it with your cabin.
35. Group Case Study Analysis
• Choice of 10 case studies
• Small group review and
analysis of cases
• Presentation to total group
• Application of content
36. Wrap Up
• Learn more about Boot Camp methodology and impact
in Workshop #2 (Thursday, 2 pm)
• Used pre- and post-tests to measure knowledge gains
• CDs for four learning activities are available