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There are many ways that organizations or individuals can become involved with the coalition.
Join the Coalition! If your organization or you as an individual
are actively engaged in promoting personal financial literacy amongst
youth, we invite you to become a member. For more information on
or any other board member. You can find a complete listing of board
members, just click on "About Us".
Support the Coalition! The Jump$tart Coalition is a
charitable 501(c)3, not-for-profit organization . As such, in-kind
donations such as the printing of promotional materials or hosting of
meetings and events are greatly appreciated. The Coalition also
welcomes monetary contributions. For more information on making a
voluntary contribution to the Jump$tart Coalition, please contact .
Make a difference locally! Organizations and individuals can
make great impact at the local level. Here are just a few ways that you
can make a difference:
Financial Institutions: Volunteer to work with a local school
or district to provide classroom presentations or teacher support.
Educators: Incorporate personal finance within your
curriculum. Personal finance has been taught successfully to students
of all ages and within many core and elective subjects. For more
resources, go to Clearinghouse and search according to your grade and subject matter.
Policy Makers: Consider ways to incorporate personal
finance education into your school's curriculum and teacher
professional development programs. Remember, too, that you need not
reinvent the wheel.
The Jump$tart Coalition can help you identify successful models.
or call 1-888-45EDUCATE.
Parents: Begin teaching your child about personal finance
at a young age and continue to reinforce these skills. See the Links
section or visit the Clearinghouse for more ideas on teaching your child about personal finance matters.
Please consider applying to join our team of community leaders.Personal
Financial Education is so valuable to all Floridians, especially to the
youth in K- Young Adults.Though we welcome contributions to assist the
Florida Jump$tart in its mission, there are no mandatory membership
fees! Contributions and Sponsors are welcome on a voluntary basis. The
Florida Jump$tart Membership Application Form is available for printing
out and faxing or mailing in under the "About Us Text", then click on
Downloads.The Membership Application is also available in electronic
format under " Get Involved" and under "Home Page".There you may submit
it electronically to the membership committee for board review.
Thank you for your interest!
William Porro, President
FINANCIAL LITERACY DIRECTORY OF LINKS AND RESOURCES:
This directory provides descriptions and contact information for a
sampling of organizations that have undertaken financial literacy
initiatives as a primary mission. These activities are organized under
five broad categories:
Basic financial services and asset-building programs
Credit management and repair
Recognizing and avoiding abusive lending practices
Small business and microenterprise technical assistance
In advisory letter AL 2001-1 , the Office of Comptroller of Currency (OCC)
provided national banks with information on the types of financial
literacy programs that have been undertaken by banks and aspects of
those programs that have been most important to their success.
Basic Financial Services and Asset Building
The U.S. Treasury Department?s Office of Financial Education maintains an online ?Federal Financial Education Resources?
directory. The directory provides access to many resources available
within the federal government to assist in the implementation of
financial education initiatives
The Federal Reserve System
has developed a campaign to call attention to the importance of
personal financial education entitled ?There?s a Lot to Learn about
Money.? The campaign includes public service announcements as well as
educational resources. http://www.federalreserveeducation.org/
Money Math: Lessons for Life is a
curriculum supplement launched by a diverse partnership of private
companies, nonprofit organizations, and the Treasury Department for
students in grades 7-9 that addresses mathematical concepts using
real-world financial scenarios.
The American Bankers Association?s Education Foundation
provides bankers with the tools to help youngsters gain the necessary
skills they need to become financially astute. Programs cover saving,
budgeting and credit, and are designed for students from kindergarten
Jump$tart Coalition for Personal Financial Literacy
maintains a clearinghouse of resources that seek to promote financial literacy.www.jumpstartcoalition.org
The Florida Jump$tart, officers and members can be contacted via this website www.FLjumpstart.org, under About Us.
Junior Achievement (JA)
brings volunteers into the classroom to make economic concepts relevant
for grades K-12. Its in-school financial literacy program, JA Personal
Finance, is designed to teach students about topics ranging from
everyday personal financial decisions to major investment strategies
The National Academy Foundation (NAF)
sponsors the Academy of Finance, a school-to-career curriculum
operating in 40 states and 300 high schools, serving over 20,000
students. The OCC partners with schools or school districts in 28
locations across the country to support academies of finance. Banks
serve as advisory board members to local affiliates and employ hundreds
of students every summer through the academy?s internship program.
The National Endowment for Financial Education (NEFE)
is a foundation dedicated to helping all Americans acquire the
information and gain the skills necessary to take control of their
personal finances. NEFE accomplishes its mission primarily by
partnering with other concerned organizations to provide financial
education to the public, and particularly to underserved individuals
whose financial education needs are not being addressed by others.
The National Council on Economic Education
provides personal finance and economics education through classroom
curricula and the Internet. For example, its Financial Fitness for Life
curriculum presents key concepts in economics and personal finance,
using a variety of real life examples appropriate to particular age
Adult Basic Financial Services
The National Center on Poverty Law has
developed a Financial Links for Low Income people initiative that
offers financial literacy classes and helps participants set up savings
accounts at participating financial institutions. Those who complete
the classes and make deposits every month are eligible for matching
The Money Smart program, developed jointly by the Department of Labor and the Federal Deposit Insurance Corporation,
provides a comprehensive adult financial education curriculum at
centers nationwide that offer employment and training services. Banks
and other institutions can also use this curriculum to serve their
communities. The curriculum is available in English, Spanish, Korean,
and Chinese, with a Vietnamese version scheduled for release in late
Building Native Communities: Financial Skills for Families
is a curriculum designed to enhance the capacity of Native tribes,
organizations, and people to better manage their financial assets.
Tribal organizations, nonprofits, and banks can use this curriculum,
developed through a partnership between First Nations Development
Institute and the Fannie Mae Foundation, to improve consumer financial
literacy in their communities.
Asset Builders of America
is a non-profit organization, sponsored by a group of banks in
Wisconsin, that promotes financial literacy for people of all ages. It
provides day-long seminars and weekly sessions for middle school and
high school students, as well as adult learning seminars that cover
basic to more advanced financial topics.
The Financial Services Education Coalition
was formed by the Department of the Treasury in conjunction with the
Electronic Funds Transfer (EFT) 99 initiative requiring direct deposit
for most federal payments by January 2, 1999. The council has published
a guide, ?Helping People in Your Community Understand Basic Financial
Services,? intended for community educators for use with a variety of
audiences who currently do not have accounts with financial
institutions or who need basic information about how to use accounts.
The NeighborWorks Network includes the neighborhood revitalization and
educational services offered by Neighborhood Reinvestment Corporation,
Neighborhood Housing Services of America, and a national network of
public and private partnerships.
their ?Financial Fitness Training Program? local NeighborWorks
affiliates teach the basics of finances and consumer skills by
addressing topics such as setting financial goals, assets and
liabilities, and using banks wisely.
The Department of Agriculture Cooperative Extension System
provides leadership to state, regional, and county-level educators who
deliver basic consumer education; teaches personal financial management
skills to youth, limited-resource families, and young families; and
promotes comprehensive financial planning throughout the life cycle.
Cooperative Extension has also developed a retirement planning
curriculum, ?Financial Security Later in Life.?
The Woodstock Institute
has produced a guide targeted to a wide range of financial literacy
providers that would like to know how effective their programs are but
need a format with which to evaluate them. ?Evaluating Your Financial
Literacy Program: A Practical Guide? can be used to help organizations
discover what works best for their customers.
Individual Development Account (IDA)
Corporation for Enterprise Development (CFED)
CFEDpromotes asset-building and economic
opportunity strategies, primarily in low-income and distressed
communities, that bring together community practice, public policy, and
private markets. CFED has promoted the IDA as a means of enabling
low-income individuals to develop assets and is currently drafting
certification standards for IDA Programs. CFED coordinates the American
Dream Demonstration (ADD), a large-scale IDA program which has designed
and implemented IDA initiatives in 13 locations around the country.
Assets for Independence Demonstration (AFI)
The AFI Demonstrationis the first federal
law to fund IDA programs. Administered by the U.S. Department of Health
and Human Services, this initiative has been authorized to conduct a
5-year, $125 million demonstration to establish 40,000 to 50,000 new
IDAs across the country.
Retirement and Financial Security
Consumer Federation of America (CFA)
America Saves Campaign
developing locally based campaigns to publicize the value of building
savings and reducing debt to Americans who have not saved adequately.
Local offices of the U.S. Department of Labor provide support on each
campaign, and U.S. Savings Bonds are one of the savings products
promoted. America Saves involves local nonprofit, government, and
business leaders in each campaign.
Choose to Save
Sponsored by the Employee Benefit Research Institute and the American Savings Education Council,this
public education campaign on retirement savings has run for three years
in the Washington, D.C., metropolitan area. The campaign includes a
series of public service announcements, weekly news segments, and an
annual one-hour prime time television special.
Credit Management and Credit Repair
National Foundation for Credit Counseling
is a national nonprofit network of 1,450 Neighborhood Financial Care
Centers designed to provide assistance to people dealing with stressful
Consumer Credit Counseling Services (CCCS)
is a nationwide nonprofit service, composed of local and regional
affiliates, that offers free and confidential budget, credit, and
housing counseling plus debt repayment plans. Examples of CCCS are:
established a program through which lenders offer mortgages to
borrowers who have completed at least an 18-month debt management plan
through one of the program?s participating counseling agencies. The
debt management plans put families on a strict budget that requires a
certain percentage of their income go to living expenses, with the
remainder to pay down debts. This program allows families with impaired
credit to qualify for secondary market eligible mortgages much faster
than would otherwise be possible.
The U.S. Department of Housing and Urban Development
certifies and funds housing counseling agencies throughout the country
that can provide advice on buying a home, renting, defaults,
foreclosures, credit issues, and reverse mortgages.
Campaign for Homeownership 2003-2007
This joint four-year effort of banks, insurance companies, the
secondary market, government, the real estate industry, and others
working with more than 100 local Neighborhood Housing Services (NHS)
organizations aims to educate 500,000 families, create 50,000 new low-
and moderate-income homebuyers (including 30,000 minority homebuyers),
and generate $2.9 billion of investment. By teaching these consumers
about homeownership and by preparing them to be homeowners through pre-
and post-purchase counseling, local NHS organizations reduce the risk
of delinquency and foreclosu re.
Find A Credit Counselor
These agencies are primarily community-based nonprofit groups that
specialize in pre- and post-purchase homeowner education and credit
counseling. Some of these agencies also provide homeowner education
classes for borrowers who use Fannie Mae?s Community Home Buyer?s
Program and other loan products that require such education as part of
the loan approval.
These credit, mortgage finance, and home-buying resources are designed
to assist prospective homebuyers and existing homeowners.
A Spanish language version is available at
Recognizing and Avoiding Abusive Lending Practices
?Don?t Borrow Trouble? Campaign This
campaign, originally created by the City of Boston and the
Massachusetts Community and Banking Council, is being launched across
the Nation by Freddie Mac. The campaign uses a combination of
advertisements and public service announcements to educate borrowers
about predatory lending practices. In addition to Boston, the campaign
has been introduced in Atlanta, Baltimore, Chicago, Cleveland, Dayton,
Detroit, Eastern North Carolina, Los Angeles, New Orleans, Oakland,
Southern Nevada, Syracuse, and the State of Delaware.
Predatory Lenders and Other Sharks in the Financial Waters
This curriculum is designed to be used in a workshop or as a
stand-alone guide to help consumers target and avoid some financial
products that might pose threats to them, possibly resulting in the
loss of their homes.
Small Business and Microenteprise Technical Assistance
Small Business Administration (SBA)
Small Business Development Centers (SBDC) The
SBA administers the SBDC program to provide management assistance to
current and prospective small business owners. Nearly 1,000 SBDCs exist
nationwide that provide a wide variety of information and guidance.
Service Corps of Retired Executives
is a nonprofit association dedicated to encouraging the formation,
growth, and success of small business through counseling and mentor
The Association for Enterprise Opportunity
is a national association of organizations committed to microenterprise
development and maintains a clearinghouse of microenterprise
development programs. www.microenterpriseworks.org