Are you worried about your child's financial health? If not, you should be...
Research shows that most middle school
students flunk when it comes to
understanding money. For example,
60% of preteens do not know the
difference between cash, credit
cards, and checks.*
One out of three high school seniors
has a credit card, and half of those cards
are in their own name. (Information provided
by Jump$tart Coalition)
The average student who takes out a
college student loan graduates
$20,000 in debt.*
Among those in the 16-22 age category,
only 21 percent say they have taken
a personal finance course in school.
The National Center on Economic
Education performed a survey that
examined both adult and student
familiarity with basic economic
principles, knowledge about
the U.S. economy, and understanding
of some key economic term.
Of the 1,010 adults surveyed,
adults get an average grade of 57%
for their knowledge of basic
economics. Of the 1,085 students
surveyed (9 through 12 grades),
the average grade is 48%.
The study shows that higher
education and an interest in
economics translates into
higher scores.
Over the last 15-20 years there
has been a shifting responsibility
for long-term well being away from
institutions to individuals. Thus,
baby boomers will be more responsible
for their own retirement income
security.*
In 2000, credit card issuers mailed
3.54 billion solicitations to
consumers; this corresponds with
an average of 3 credit card offers
per month per household.*
In 2001, consumers had $ 700.3 billion
outstanding in revolving credit.*
60% of United States households
revolve some amount of credit.*
Bankruptcies occurred in 1.5
million households in 2001-2002.*
(*Facts provided by the Family Financial Literacy Project)
Parent's don't let your child
be a financial statistic.
My name is Timothy Liptrap. I
co-wrote two books, about a hundred
articles and dozens of lesson plans
to help parents and teachers,
teach financial education in their
home or classroom.
I am saddened...
As a college Professor, I have had
the opportunity to teach hundreds
of students basic financial management.
I am saddened to say,
those people who have:
Just ask yourself this question:
Would you be better off today
if you were taught about bank accounts,
CD's, Credit Cards, Insurance,
the Stock Market, Retirement Plans,
Mutual Funds or Taxes when you
were in middle school or high school?
"Poor money management is preventable"
I co-wrote, the book and training
system, Twelve Weeks to Financial
Success to help parents and teachers
introduce basic financial skills
to their children.
It took me two years to pull together
the materials, research the topics,
create and test the lesson plans while
using the National Standards for
Financial Education.
Topics include:
- Budgeting
- Interest rates
- Credit reports
- Banking
- Insurance
- Credit cards
- Basic stock investing
- CDs
- US Savings bonds
- Mutual funds
- Income Taxes
- IRAs
- Minimum wage
- Supply and demand
- Monopolies
- Corporate structuring
- Occupations and careers
- The value of education and more.
The book was designed to be
a complete 12-week training program.
Each chapter or "week" covers
two financial concepts. Each concept
is explained in basic terms and
include learning exercises and
simple lessons that can be
understood and taught by
parents or teachers of all
abilities.
The book is saved as a PDF
and can be downloaded to
your computer in 5 minutes
from the time you purchase it.
My name is Timothy Liptrap, along
with being a college professor:
I am also the editor and author
of the 101 Financial Lessons.com
newsletter. Each week, I provide
thousands of teachers and parents
a free financial lesson via email.
I have earned hundreds of
of testimonials for our work.
Been recognized by Jump$tart.org,
the National Clearing House for
Financial Educational materials.
I have been recognized by GEM
(Gateway for Educational Materials)
which is a federally funded site
for top quality educational materials.
My articles have been printed in
numerous teacher magazines, both
online and in hard copy.
Our how to Write Checks lesson
plan is being used in hundreds of
public schools, Homeschools, churches,
senior centers, GED programs and
prisons throughout the US and Canada.
Would you like to see the book?
I stand behind my book and training
materials 100%. Period.
90 Day - 100% Money Back Guarantee
As always, you have a 100% money back
guarantee on any of our products. In the
first 90 days, if your child or children
do not have a successful experience
using our training materials,
I will provide you a 100% refund.
Here is the catch, I will only honor
the refund after the 31st day and you
must show me the completed work of the
first 4 chapters.
Order today and receive
our Special Bonuses!
A value of more than
BONUS # 1. Teach your Children about
Credit Reports.
Have you taught your children the importance
of keeping good credit? This 8-page lesson on
Credit Reports and Credit Score will get you
started. Topics covered include how to order
your reports from the three top credit bureaus,
an explanation and the differences between a
Credit Reports and Credit Score, finding costly
mistakes and correcting them and how your Credit
Scores are determined (FICO). In addition, this
report includes a learning activity to help
your children get started learning about
keeping good credit. A value of $7.95
BONUS # 2. A Lesson on Refinancing
a Home
It has been in the news for years, but do
your children really understand the concept.
This lesson explains refinancing, fix rate
loans, variable rate loans, PMI Private Mortgage
Insurance), and includes "5 simple techniques on
how to save you money by creating your own
refinancing package" plus a 2 page learning
activity. A value of $7.95
BONUS # 3. Dollar Cost Averaging
Lesson Plan
Teach your children one of the most commonly
used techniques in investing, Dollar Cost
Averaging. This lesson explains what Dollar
Cost Averaging is and how to apply it. Included
in the lesson is a section on how to teach
Dollar Cost Averaging, plus a 2-page learning
activity. A value of $7.95
Bonus # 4 350 Web Site
Links
We have compiled a list of 350 web site links
that we use to conduct research for the 101
Financial Lesson newsletter. It has taken
us hundreds of hours to find and research these
sites. Retail value $14.95
Yes Professor Liptrap, I would like
to order your book
Twelve Weeks to Financial Success.
Included with the one price,
I will receive the complete training
package (ebook) and all your
free bonuses, including your
book, How to Write Checks.
The complete value of this complete
set is more than $100.00!
Order today and receive a special
discount
Download this book in 5 minutes
Order Here
Corporate Address:
Stocks, Bonds and More, Inc.
Timothy Liptrap, VP
237 Chandler St.
Worcester, MA 01609
(508) 438-0411
Purchase Orders are accepted for all materials.
Book and bonuses will be shipped on diskette
on all Purchase Orders.
Practical Skill Training System with
Lesson Plans, Exercises and Activities.
More Information about the lesson: The complete package is 170 pages
in length. It has been developed in an Acrobat Reader program (PDF),
which allows the lesson plan to be read and printed on both MAC and PCs.
If you do not have Acrobat Reader, we will provide you a free copy.
We reserve the right to make price changes at anytime.
Statistics found on the the website for the Illinois Office of Bank and Real Estate. http://www.obre.state.il.us/FinancialLit/FLWhy.htm.
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