A quarterly newsletter promoting Financial and Investment literacy; and promoting black and latino youth in a positive image

1. Youth Economic Programsm News ~ Spring 2007
Young Investor Times sm
The Bulls and the Bears
By: Robert L. Walker
S uccess in life is about mastering the rules of life. Eleven year old Izzy wants to know about
saving and investing so she joined a Young Investor Learning Team to master the rules of
investing. She wants to know how a young person can successfully invest when the stock market
sometimes goes up - called a “Bull Market” and when it sometimes goes down - called a “Bear
Market.” Here’s a look at the rules of investing for a young person:
Rule #1
ALWAYS Invest
The Stock Market
Trending Upward
The stock market acts much like the Millennium Force roller coaster at Cedar Point, it goes up
and down. Izzy learned that at any given time there may be a Bull Market or a Bear Market (it
may go up or down), but over a long period of time, the stock market is always moving higher.
Because you cannot predict how the stock market will move, you must ALWAYS INVEST. To be
a successful investor, Izzy must plan to invest for the long term – at least 10-30 years.
Rule #2
Take Advantage of ”TIME“
Inside Many opportunities are lost because people wait until they are in their 30s or 40s to invest.
This Investor People should in fact begin investing as young as possible to take advantage of TIME. A person
can actually begin investing as young as 30 days old. All they need is a social security number.
Times… Of course, young people need a parent or guardian to set up the investment accounts on their
behalf. But, remember, once the accounts are set up, they belong to the young person, not the
Stock Review ......... page 2 parent or guardian.
Money Talk ............ page 2
Illustration: A 10 year old girl that makes a one time $5,000 investment would accumulate
Global $2,212,900 by age 50 if the investment grew at 10% per year. A 40 year old woman who made
Economics ............. page 3
the same one time investment of $5,000 at 10% interest would accumulate $79,685 by age 50.
Stock Picks ............ page 3 The difference between the 10 year old girl and the 40 year old woman is – TIME. The young girl
Young Investor had more time for her investments to build.
Profile .................... page 3
YEP Spotlight ........ page 4 Rule #3
Start NoW
Street Talk ............. page 4
Sign Up — Gospel Izzy now tells all her friends that people fail financially because of – PROCRASTINATION. Her
Skating Party ......... page 5 advice to them…START INVESTING NOW!
Sign Up — WSM
The Wealth Cruise... page 6

2. Stock Review
$$$$$$
By: Robert L. Walker
Money Talk
Featured Company: Starbucks Corporation Question & Answer
Q. Who are the world’s wealthiest countries?
S tarbucks Corporation (Starbucks) purchases and roasts
whole bean coffees and sells them, along with fresh, rich-
brewed coffees, Italian-style espresso beverages, cold blended
A. 2005 Gross Domestic
Rank Nation Product (GDP) Flag
beverages, various complementary food items,
coffee-related accessories and equipment,
1 United States $12.5 Trillion
a selection of premium teas and a line of
compact discs, primarily through Company-
operated retail stores.
2 Japan $4.5 Trillion
Starbucks is named after the chief mate on the ship “Pequod,”
from the novel “Moby Dick” by Herman Melville. Starbuck
3 Germany $2.8 Trillion
was a good man with a wise heart.
The Company’s common stock is traded on the Nasdaq Stock
4 China $2.2 Trillion
Market, Inc. (Nasdaq), under the symbol “SBUX.”
5 Britain $2.2 Trillion
StarbuckS
FINANCIAL HIGHLIGHTS
6 France $2.1 Trillion
$7.8
7 Italy $1.7 Trillion
Net Revenue (in billions)
$6.4
8 Spain $1.1 Trillion
$5.3
$4.1 9 Canada $1.1 Trillion
$3.3
10 Brazil $794 Billion
2002 2003 2004 2005 2006 11 South Korea $788 Billion
12 India $785 Billion
Net Earnings (in millions) $564 13 Mexico $768 Billion
& Return on Equity (percentage)
$494
14 Russia $764 Billion
$389 25%
20% 15 Australia $701 Billion
$265
$210
17%
Black Americans $700 Billion
14%
Source: World Bank & Target Market News
13%
2002 2003 2004 2005 2006 If you have a question, call, e-mail or mail it to Wise Steward
Ministries. We will do our best to answer all the questions we
receive in one of the upcoming quarterly publications of Young
Investor Times.

3. Global Economics:
Coal — By: Robert L. Walker
Young
A s seventeen year old Renee reads the Wall
Street Journal she notices there are many
articles on the subject of energy. Energy is defined
Investor
as the force behind all motion and all activity.
Because we need energy for everything, she has
Coal
Profile
decided to research where the United States and
the rest of the World get its energy from. Name: Ajia & Rasheda White (left to right)
Most of the energy we use for our homes, schools Investor Age: 17 & 15
and businesses comes from three primary energy Investor School: Renaissance & Cass Technical High School
sources – Coal, Oil and Natural Gas. Oil
Investor Grade: 12th & 9th
Coal, like oil and natural gas is a fossil fuel Career Aspiration: Pharmacist & Architect
used to generate electricity. Among many other
things, this electricity lights our homes, runs our Stock(s) owned: Verizon Wireless & Johnson & Johnson
televisions and video games and keeps our food Natural
cold in the refrigerator. Gas
In fact, the United States has the world’s largest known coal
supply, about 270 billion tons; this is enough coal to last
approximately 240 years. It is said that America has more coal
than Saudi Arabia has oil. Based on 2005 data supplied by the
Stocks for Youth
Energy Information Administration, 49.7% of the energy we
use in this country comes from coal, 19.3% from nuclear
energy, 18.7% from natural gas, 6.6% from hydroelectric SToCk PRICE
SToCk NAME SToCk SYMBoL ExCHANGE AS oF
energy, 3.0% from oil and 2.7% from other sources.
2/22/07
How does coal generate electricity? Activision ATVI NASDAQ $17.64
Once coal is mined, it’s shipped primarily by train to an electric
power plant. At the power plant the coal is burned to produce Build-A-Bear BBW NYSE $27.84
WorkShop Inc.
heat. The heat is used to change water into steam. The steam
then turns enormous generators, producing electricity. This Cedar Fair, L.P. FUN NYSE $29.24
electricity is carried long distances along transmission lines
to transformers. From the transformer the electricity is carried Great Wolf Resorts WoLF NASDAQ $14.13
along distribution lines to your home.
Hasbro HAS NYSE $29.65
kellogg Co. k NYSE $49.77
Electric Power Transmission Transformers Distribution HOME!
Plant Lines Line
Marvel Entertainment MVL NYSE $30.49
Here’s a short list of some coal producing
publicly traded companies: Mattel, Inc. MAT NYSE $26.82
American Electric Power
Company, Inc. (NYSE: AEP) McDonalds MCD NYSE $46.05
NACCo Industries, Inc.
(NYSE: NC) Disney DIS NYSE $35.16
Sunoco, Inc. (NYSE: SUN)
NoTE: In october 2003, when we first featured Hasbro their stock
Rio Tinto Group price was $19.08; Mattel’s stock price was $18.99; McDonald’s
(NYSE: RTP, ADR) stock price was $24.06; and Walt Disney’s stock price was $20.72.
Peabody Energy Corporation
Wise Steward Ministries is not making recommendations about
(NYSE: BTU) the companies listed. They are examples of companies that provide
Arch Coal, Inc. (NYSE: ASI) products for youth.

4. Parents Corner Youth Economic
Programsm Spotlight
“MONEY TALK”
A financial literacy program for “adults only” I n 2006, Wise Steward Ministries was one of two Detroit based
organizations to receive funding through a federal initiative,
the Compassion Capital Fund (CCF) Targeted Capacity Building
M oney Talk is a Wise Steward Ministries financial Program, awarded by the U. S. Department of Health and
literacy program for “adults only.” The goal of Human Services. The $50,000 grant will allow Wise Steward
this program is to create a fun and relaxing, educational Ministries to implement a Training of Trainers Program to certify
environment where adults can come to improve their 5 new Youth Economic Program instructors. It will also be used
financial literacy. The ultimate outcome is that participants to package WSM’s Youth Economic Program curriculum into a
will be able to make sound financial decisions concerning fun and interactive workbook for youth.
their families. The primary focus will be on saving and
investing with basic money management skills. Over the last seven years, WSM has worked tirelessly to provide
quality financial literacy programs to the grassroots community.
Money Talk meets the 3rd Friday of each month from 6:00 It has seen first hand the effectiveness of educating youth
pm to 9:00 pm at the Wayne County Community College alongside their parents/guardians. Successful implementation
District — Northwest Campus. Please call Robert Walker, of programs and events such as the on-going Young Investor
Executive Director at (313) 838-5856 to enroll in this Learning Teams and the annual Youth, Money & Wall Street
program. conference have led to an increase in demand for programs
across the region. The CCF award allows WSM to expand its
capacity to meet this ever growing demand.
For more information about the Training of Trainers program,
Coming in the contact Robert Walker at 313-838-5856.
next issue of
Young Investor Times:
• Intergenerational
Wealth Street Talk
Learn Wall Street Jargon
• Global Economics — White Knight
Ghana, Africa A white knight may be a corporation, a private company,
or a person that intends to help another firm.
Published by Wise Steward Ministriessm
Wise Steward 14090 Strathmoor, Detroit, Michigan 48227
Ministriessm Phone: 313.838.5856
Purpose Statement: Email: WSM@wisesteward.org
Wise Steward Ministries Website: Wisesteward.org
exists to provide people Robert L. Walker, Founder & Executive Director
in urban communities
“A race which cannot save its earnings will never rise in the scale of civilization.”
with information and
Dr. Martin Luther King, Jr.
inspiration to help
enhance and enrich their
The Youth Economic Programsm is a financial literacy program for youth ages 9 to 18,
financial position in life.
taught mainly in Detroit Schools and community organizations as an after school activity.
Wise Steward
Ministriessm Present funding provided by: Neighborhood opportunity Fund/CDBG,
Mission Statement: Foundation for Financial Literacy, The Comerica Charitable Foundation,
We provide high- Chase Bank, and Wayne County Department
quality financial literacy of Children & Family Services (PASS).
programs, events and
If you use the information contained in this newsletter for investment purposes, and without the advice of a financial
activities to youth and professional, results may vary and certain risks apply. Wise Steward Ministriessm assumes no responsibility. All articles and
their parents/guardians. design of this newsletter are the property of Wise Steward Ministriessm and are not to be copied without permission.

5. Wise Steward Ministries
Presents
Wa ll Street Trip Fundraise
A “Gospel Skating Party” r
Saturday, June 2, 2007
Skate World
2825 E. Maple
Troy, MI 48083
Time: 5:15 pm - 7:15 pm
Cost: $8.00 per person in advance
$12.00 per person at the door
The proceeds from this skating party will be used to sponsor a Wise Steward Ministries
New York City Wall Street Trip for 65 young investors ages 9 to 18 on July 5 – 7, 2007.
To purchase your tickets, call Wise Steward Ministries at (313) 838-5856.
(First come, first served.)

6. Wise Steward Ministries Presents…
You’re invited to join Wise Steward Ministries aboard Carnival’s “Fun Ship®” Fascination as we travel to Nassau,
Bahamas on July 27—30, 2007. This 3 day cruise will be filled with superb dining, spectacular entertainment, fellowship
and financial literacy workshops. The Wealth Cruise is available to the participants (parents/guardians & youth) of Young
Investor Learning Teams & friends of Wise Steward Ministries.
Itinerary
Bahamas
Wealth C ruise to the Depart
Here’s our Arrive 4:00pm
Day Port --- ---
Fri. Miami 8:00am 5:30am
Sat. Nassau ---
Su n. Nassau
t Sea! ---
Fun Day a 8:00am
friends!
Sun.
iami
Mon. M
M ake new
Interior Cabins (No Window) (Max. 4 people per cabin)
The 1st and 2nd person (Total = $412.94 per person)
(3rd and 4th person in cabin, total cost = $336.94 per person)
Oceanview Cabins (Porthole or Window) (Max. 4 people per cabin)
The 1st and 2nd person (Total = $442.94 per person)
(3rd and 4th person in cabin, total cost = $356.94 per person)
Cost includes: Cruise only & Taxes
Additional Costs:
Travel Protection (17 years and older $39.00 per person, 16 years and under $19.00 per person)
Gratuities
Total Amount Due at Time of Booking (Non-Refundable)
Make checks or money orders payable to “Just-N-Time Travel Inc.”
Tons of
For reservations, and additional information:
Robert L. Walker, Wise Steward Ministries fu n everyd
Phone: (313) 838-5856
Email: robert@wisesteward.org
ay!
This cruise is made available by Marcy Rucker, Just-N-Time Travel Inc.
Disclaimer – Rates are per person, double occupancy, cruise only and capacity controlled. Government fees/taxes are included.
Restrictions apply. Ship’s Registry: The Bahamas.