Valley Forge, PA (PRWEB) May 15, 2012

Say youre a fifth-grader, and its the first day of school. Your teacher starts with some surprising news: This year, youll need to pay rent for your desk.

Fortunately, you can earn a salary for the rent by doing a classroom job or earning bonuses through exceptional performance. And if youre a good saver, you can do more: bid at class auctionsor even buy your desk and never pay rent again.

Those lessons about earning, budgeting, saving, and delaying gratification are at the core of My Classroom Economy (http://www.myclassroomeconomy.org), a new financial education program that investment management firm Vanguard is offering free of charge to teachers. The program uses fun, experiential learning and a simulated microeconomy to teach K through 12 students how to make wise money decisions. My Classroom Economy, which meets many common core curriculum and personal finance education standards, introduces more complex financial life skill concepts as students grow older.

The basic tenets of financial responsibilitysaving adequately, living within your means, and delaying gratification of purchasesare important at any age. But if learned early on, these principles can help more young people create financial security as they become older and need to make more difficult financial decisions. My Classroom Economy is designed to help teachers supplement what many parents are doing at home to teach their children smart money skills, said Vanguard CEO Bill McNabb. Outreach of this type is a natural extension of Vanguards long history of providing plain talk financial and investor education.

Vanguard teamed with award-winning educator Rafe Esquith to create the program and make it available to teachers throughout the United States. My Classroom Economy is based on teaching concepts developed by Mr. Esquith, who has taught at Hobart Boulevard Elementary School in Los Angeles since 1984 and is widely recognized for his innovative and successful teaching techniques. He is the author of books There Are No Shortcuts, Teach Like Your Hair’s on Fire, and Lighting Their Fires.

If more kids are financially responsible and they become better citizens, we all win. Having more people gain an understanding of money will help all of us and our economy, Mr. Esquith said.

My Classroom Economy builds on Mr. Esquiths work with an interactive program that includes an instructional website (http://www.myclassroomeconomy.org) featuring teacher guides and downloadable student materials. The program is a simulated economic system in which students earn school “dollars by completing classroom jobs and performing exceptionally. They use their salary to rent their desks. They can earn additional income by completing extra-credit assignments, achieving exceptional grades, or participating in extracurricular activities. They can also be fined for not meeting classroom expectations regarding schoolwork or behavior.

At the end of each month, students may spend their discretionary income at a class store or auction where grade-appropriate items like markers, small toys, and lunch with the principal are sold. Students assess their budget, bills, and income to determine how much they can spend. Alternatively, they can choose to save money by not buying at all or delaying purchases. With their savings, they can eventually buy their desks outright and thus stop paying rent. Supersavers can also purchase the desks of other students and earn rent themselves.

The program adapts to the increasing sophistication of students as they grow older. For instance, middle school students begin paying for electricity and taxes in addition to their rent, requiring them to budget for multiple expenses.

High school students can purchase certificates of deposit and desk or car insurance. They can also open a classroom investment account using a custom-designed investment simulator to choose a diversified asset allocation among stocks and bonds. Students are taught to think of investing as a long-term proposition by experiencing 32 years of returns within a single school year.????

My Classroom Economy meets many of the common core state curriculum standards developed by the National Governors Association Center for Best Practices and the Council of Chief State School Officers. It also meets several of the personal finance education standards developed by the Jump$ tart Coalition? for Personal Financial Literacy.

Vanguards unique ownership structure, in which the management company is owned by the Vanguard funds, enables the firm to maintain a client-centered focus. Vanguard seeks to take a stand for all investors, treat them fairly, and give them the best chance for investment success.

About Vanguard

Vanguard, headquartered in Valley Forge, Pennsylvania, is one of the worlds largest investment management companies. Vanguard manages more than $ 1.84 trillion in U.S. mutual fund assets, including more than $ 200 billion in ETF assets. Vanguard offers more than 170 index and actively managed funds to U.S. investors and more than 60 additional funds in non-U.S. markets. For more information, please visit http://www.vanguard.com.

URLs in release:

My Classroom Economy: http://www.myclassroomeconomy.org

Rafe Esquith: http://www.hobartshakespeareans.org/

Common core curriculum standards: http://www.corestandards.org/the-standards

Jump$ tart: http://www.jumpstart.org/

Jump$ tart national standards: http://www.jumpstart.org/assets/files/standard_book-ALL.pdf

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Assessment for Excellence: The Philosophy and Practice of Assessment and Evaluation in Higher Education

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Question by ALEIII: Can I cancel a credit debt consolidation program with Consumer Education Services inc?
I unwittingly entered a debt consolidation program with cesi and wish to stop. I have medical reasons from Iraq and I sometimes am overly impulsive. Has anyone ever stopped participation in one of these programs?

Best answer:

Answer by Debt Guru
Sure you can cancel, but some of your fees might not be returned to you, you will need to find out the details by calling customer service.

Know better? Leave your own answer in the comments!

San Francisco, California (PRWEB) March 31, 2012

The students of Lowell High School, the top ranked high school in San Francisco, have long been anticipating the prospect of a quality educational center in their area. C2 Education, the nations fastest growing network of education support centers, is proud to announce the grand opening of a brand new location at 300 West Portal Ave. in San Francisco, CA on Saturday, March 31st. Grand Opening events will be held from March 31st through April 30th and will include promotions for new students.

New students in grades 4 and up will be offered a free diagnostic test (regular price: $ 95). C2 Educations diagnostic exams evaluate students individual strengths and weaknesses, allowing C2 to create a fully customized program to meet each students specific needs. Students who choose to enroll with C2 will be offered 20% off the total cost of enrollment! (Check or credit card only, please.)

C2 Education strives to help students across the country improve their grades and test scores, develop their academic strengths, and gain a lifelong love of learning. We dont simply want to help our students get a higher test score or a better grade, David Kim, the founder, says, We want to help our students to love learning simply for the sake of learning, to become open-minded and creative individuals with the capacity for innovation, and to learn the importance of community involvement and leadership. In short, our goal is to go beyond basic facts and figures in order to create well-rounded students with the potential to become the Founding Fathers of their generation.

C2 Education Centers, Inc. was founded in 1997 based on home-tutoring services in Cambridge, Massachusetts. In 1999, C2 was officially incorporated and opened its first location in June 2000 in Timonium, Maryland. Since then, C2 has been the fastest-growing educational services provider, offering a broad range of programs to meet the remedial, enrichment and test preparation demands of all students from kindergarten through 12th grade. Today, we have over 120 centers and can be found in Georgia, Florida, Illinois Maryland, New Jersey, New York, Pennsylvania, Texas, Virginia, Washington, Oregon, California, North Carolina, Canada, and South Korea.

C2s highly qualified teachers are far more than tutors they are mentors who help to inspire and motivate their students. To see what sets C2 Education apart, visit the West Portal Grand Opening!

For more information about the Grand Opening or upcoming college admissions seminars in your area, please call (800) 777 7000 or visit http://www.c2educate.com.

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New York, NY (PRWEB) November 17, 2011

Cedar Ed is pleased to announce the launch of its newly redesigned website. Students looking for private student loans and recent graduates hoping to consolidate existing loans can easily navigate the site and find all of the information they need regarding student loan debt. Cedar Eds FAQs and blog further address pertinent issues and help students make informed choices.

A new feature on the website, the Private Student Loan Consolidation Calculator helps applicants better understand their potential savings and whether or not consolidation is the right choice for them. The calculator uses an applicants remaining loan balance and existing monthly payments to estimate the impact of a private consolidation loan on their monthly finances.

Cedar Educations website pertains strictly to private student loans. For information regarding Federal Student Loan Consolidation, please refer to http://www.loanconsolidation.ed.gov.

Please visit our website for more information. You can also follow us on Facebook and Twitter.

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by Caveman Chuck Coker

Article by Liberty Tax Service

Recent studies have shown more young adults and older Americans, who are unable to secure employment, are going back to school to boost their competitiveness in the job market. However, tuition is on the rise, and many who don’t have sizable savings built up or retirement accounts to help fund their education turn to tax benefits to help ease their financial burden. But it is important to remember that unless the government acts soon, some tax credits are scheduled to expire at the end of 2010.

The American Opportunity Credit, a benefit that was introduced through the economic stimulus package, is one of the more popular credits claimed on consumers’ taxes to make college more affordable. Eligible students can claim a credit up to $ 2,500 this year. More specifically, taxpayers can claim 100 percent of the credit for the first two thousand dollars in qualified education expenses and twenty five percent of another two thousand dollars. In order to receive the full amount of the credit, students must spend at least four thousand dollars in qualified education expenses. Qualified education expenses include tuition, related fees, books and other related materials required for class.

Forty percent of the tax credit is refundable; meaning consumers who owe no taxes to the federal government can receive an annual payment of up to $ 1,000 for each eligible student claiming the benefit. Similar to many tax benefits, the tax credit does carry income limitations. In order to claim the full credit, taxpayers must have an adjusted gross income of $ 80,000 or less or $ 160,000 for married couples filing joint returns. In addition to income restrictions, certain tax savings plans, such as 529 accounts, cannot be used in conjunction with the tax credit because they already carry special tax benefits.

The credit only applies to students completing their first four years of college, making graduate students ineligible to receive the credit.

Taxpayers who have not yet reached the four thousand dollar threshold for the credit by the end of 2010 may be able to prepay tuition for the spring semester or purchase textbooks early before the December 31, 2010 deadline, according to USA Today.

Parents who are finding it difficult to pay for their children’s tuition may want to discuss the topic with their tax preparer. A number of education related tax credits, deductions and savings accounts exist of which many Americans may not be aware. Speaking with a professional will help taxpayers explore other options that may be advantageous during filing season.

New York, NY (PRWEB) December 21, 2011

During this Holiday season, Cedar Education Lending proposes that graduates bestow upon themselves the gift of time and money with a Cedar Education Private Student Loan Consolidation.

Harvey Berkey, COO of Cedar Education, pointed out that, according to a recent report published by The Project on Student Debt for 2010, seniors who graduated in 2010 had student loan debt averaging over $ 25,000. Approximately half the student loan debt was Private Loan debt, and the average debt was actually much higher at private, for-profit colleges.

Despite increases in Federal student aid, private loans are a necessity for many students to bridge the gap between federal loans and tuition costs, said Mr. Berkey. Students should consider consolidating their student debt upon graduation, both Federal Loans and Private Loans. However, they should remember not to mix the two types of loans as they could lose some key borrower benefits and protections as a result.

With several websites now offering Student Loan Consolidation Calculators, graduates can get a better perspective on what consolidating their loans would mean to them financially. College graduates whose credit situation has improved since initially taking out their private student loans or who now would like to eliminate a co-signer on their loans (for most, one of their parents), a Private Student Loan Consolidation makes a lot of sense, added Mr. Berkey.

For additional information on Private Student Loan consolidation and Private Student Loans, please visit us at http://www.cedaredlending.com.

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Article by Chris Chew

If you are a big fan of personal develoment wealth education courses, books and seminars, you probably would have probably known that great wealth education and personal development teachers such as Brian Tracy, Bob Proctor and Anthony Robbins have often talk about positive affirmations to attract wealth, health or whatever you desire. Is it true that you can attract anything that you desire?

To some people, using affirmations and visualization techniques to attract wealth and money are some kind of superstitious hocus pocus. However, many of these great create wealth coaches said that if you believe in the power of positive affirmation and practice them, your life can change for the better.

“It’s not the events of our lives that shape us, but our beliefs as to what those events mean.” said Anthony Robbins

So what are affirmations? Why are affirmations so powerful? Affirmations are statements of acceptance that you use to allow the manifestation of your desires be they money, love, health or anything else. Affirmations are powerful, positive thoughts and statements sent out by you to the universe.

To educate and practice positive affirmations, you will need to eliminate negative thoughts in your mind and things you say and do. You must believe that you and you alone can have your destiny and desires manifested. It must be a positive, powerful belief with unwavering faith. With positive affirmations together with creative visualizations, you can create and manifest abundance into your life.

If your desire is to attract wealth easily, then your affirmation will go something like: “I create wealth easily and effortlessly.” Repeat it several times while believing that you are already manifesting money. Start to visualize that money is already flowing to you and that you already have the money that you desire. Feel as though it has already happened. While in this mental condition, keep yourself open to all ways and means in which money can flow into your life.

It is important for the affirmations that you feel is appropriate to you. The affirmations must resonate with you or charge you emotionally.

Here are some manifesting money and wealth affirmations. It is better for you to compose your own affirmations because it will relate with you more so that you can feel more for it.

a) I am receiving creating wealth now.b) I have an abundance of whatever I desire.c) All my needs are being met now and I am grateful.d) I have unlimited money and wealth.e) I now give and receive freely.

You must believe you your affirmations for them to work. Make your affirmations only in the present tense because you are creating your future. This is also because if you make them in future tense, it shows a lack of confidence and your affirmations may never materialize. Do not get impatient and expect to see immediate results although you may see instant results, but for most of the time, it needs time for things to get organize.

Affirmations are futile if they fail to reach you deep enough to touch the limitless powers of your subconscious mind. Now that you know how to use affirmation, use it often if want to attract wealth and other positive desires into your life.