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TEACHING TEENS TO MANAGE SUMMER INCOME - From AICPA: Summer jobs give teens new found freedom and money to spend. Just how well your teen handles his or her first paycheck may set a precedent for life. AICPA's 360 Degrees of Financial Literacy offers some advice that may help your teen make the most of his or her summer salary and develop a solid basis for future financial success. Parents should provide a good example of financial responsibility and involve their children in money management activities. It's important that teenagers see their parents live within their means and practice sound money management -- budgeting, setting long-term financial goals, makin...
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CHANGING RETIREMENT PLANS - From SIFMA Foundation: What do you do when you parents' retirement plans change? When their finances, benefits and insurance no longer enable them to maintain the lifestyle they envisioned in their older years or to meet their current financial and personal needs? How do you help them think through their options and make choices that will help them preserve the resources they have to meet their goals? An article from the SIFMA Foundation's Tomorrow's Money Web site lays out how to determine if your p...
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DECIPHERING THE MUTUAL FUND PROSPECTUS - From AAII:  The mutual fund prospectus is essential reading for any prospective investor. However, this document is often written by the fund's legal department-with disclosure requirements in mind rather than the provision of understandable investment information. When you are comparing several funds, how can you hone in on the salient features of each?  Some funds employ the fund profile to introduce their funds. The format of the profile is a standard nine points in a specific sequence, and the discussion is lean. The same information will appear for each mutual fund in a family, in the same place and in the same form.  A step-by-step walk-through of the nine points will give you an idea of what the profile can tell you. The nine points can also be used as a ...
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TEACHING ECONOMICS WITH PIZZA - From Federal Reserve Board: The GDP and Pizza: Economics for Life course is a two-day, online course designed to help students in civics, economics and other social studies classes grasp the challenging economic content-and to explain why these topics are important for citizens to understand. Teachers can use the online course to teach the difference between nominal and real GDP, the definition of per capita GDP, how economists measure economic growth, and how monetary and fiscal policy are related to GDP. Taught by Federal Reserve economic education specialists, this program is designed to help high school teachers meet state and national standards in economics. The cou...
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SAVING THROUGH THE RECESSION - From AICPA:  Although 54 percent of adult Americans say they've not been able to save money over the last 12 months, a surprisingly large number have been able to save money in the past year in spite of the country's economic turmoil, according to a survey conducted for the American Institute of Certified Public Accountants by Harris Interactive. Forty-six percent of the survey respondents said they managed to save, and many said they did so by curtailing their spending. Most of their cutbacks were on discretionary items, such as dining out (50 percent), travel (46 percent) and clothing (35 percent), though 31 percent of the savers said they've curtailed home renovati...
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GET HIP TO HYIP PONZI SCHEMES - The Financial Industry Regulatory Authority (FINRA) warned investors about Internet-based Ponzi schemes called high-yield investment programs (HYIPs), which purport to offer returns of 20, 30, 100 percent or more per day. HYIPs are unregistered investments sold by unlicensed individuals using sophisticated-looking websites. The con artists behind HYIPs are experts at using social media - including YouTube, Twitter and Facebook - to lure investors and create the illusion of social consensus that these investments are legitimate, but investors should know that HYIPs are just Internet-based scams. As FINRA's investor alert HYIPs-Hazardous to Your Investment Portfolio points out, many HYIPs have a worldwide reach   ...
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BEWARE OF INTERNATIONAL SCAMS - Americans report losses of more than a billion dollars a year to international scam artists, according to the Federal Trade Commission (FTC), the nation's consumer protection agency.  Con artists can reach out across the globe to victimize people using the phone, email, postal mail, and the Internet, tricking them into sending their cash or revealing their personal information. The FTC has tips for avoiding these scams.  It's often hard to tell who is contacting you and where they are calling from.  However, there are steps you can take to check out the offers you may receive, and the companies behind them. To learn more, go to Putting a Lid on International Scams:  10 Tips for Being a Canny Consumer ...
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RESEARCH YOUR INVESTMENT ADVISOR - The North American Securities Administrators Association (NASAA) announced the launch of an enhancement to the Investment Adviser Public Disclosure (IAPD) website that will allow investors to electronically access information about individuals who work for money management, financial planning and other investment advisory firms. This enhancement will provide information on investment adviser representatives - the individuals who work for these firms and provide investment advice to clients. The enhancement will allow investors to access information on more than 220,000 individual investment professionals, including background information such as customer complaints, criminal or regulatory disclosures, professional qualifications, and employment history ...
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TIME FOR A MID-YEAR INVESTMENT REVIEW? - If it's been a while since you last looked at your investment accounts, make sure the securities in your account still meet your investment objectives. Also, make sure you understand and are comfortable with the risks, costs, and liquidity of your investments. As part of this review, you may want to check the information that is on file at your brokerage firm regarding your accounts, such as new account agreements, margin account agreements, option account agreements, discretionary account agreements, and any correspondence to you. You have a right to know what is on file about you. The Financial Industry Regulatory Authority (FINRA) offers "10 Tips to Keep Track of Your Investments" for more ideas ...
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ELDER INVESTMENT FRAUD - More than 7.3 million older Americans - one out of every five citizens over the age of 65 - already have been victimized by a financial swindle, according to a major new Investor Protection Trust (IPT) survey conducted by Infogroup/ORC and released to mark World Elder Abuse Awareness Day. The survey results underscore the urgent need for a new partnership between the nonprofit Investor Protection Trust, the North American Securities Administrators Association (NASAA), and the National Adult Protective Services Association (NAPSA) in cooperation with leading U.S. medical associations. The "Elder Investment Fraud and Financial Exploitation" prevention campaign will educate medical professionals about how to spot older Americans who may be particularly vulnerable to financial abuse ....
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