FINANCE 101

FINANCE 101

Watch US Bank’s Financial Genius series with your teenagers so they can learn about basic finance.
Teaching these basic skills are important for their overall success.

After completion, they can add the series on their resume under Education as a completed program.
Start NOW!
Check out the US Bank Scholarship Program HERE.

12 SECTIONS TAUGHT
Savings & Investments
Retirement
Mortgages
Payment Types & Credit Cards
Credit Scores & Reports
Insurance & Taxes
Overdraft
Identity Protection
Financing Higher Education
Auto Loans
Prepaid Cards
Mobile Payments

Personality Testing…. 1, 2, 3

Personality Testing…. 1, 2, 3

Discover more about your personality then have your teen take a personality test to help narrow their career path. Have fun comparing your LTRS with friends and Star Wars Characters.

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#1 – Start with LYFTeacher’s favorite personality site 16personalities. Take the quiz and learn about your personality and career options.

 

 

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#2 – The Jung Typology test is a combination Jung and Briggs Personality testing on Humanmetrics. They offer a short career list based on your testing, but it’s not that thorough. Beware of ads on the list.

logo#3 – PersonalityType offers a 2 minute speed version of testing. It’s not detailed or recommended, but will give you a personality type for your Star Wars characters:)star_wars_personality_sm

 

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Truity.com
gives a detailed summary and career list for each personality type from the Jung Typology Test. Truity’s test costs $$, so use it after you take Jung Typology.

 

How Microsoft Empowers YOU(th) to Excel


youthspark
You must be the change in the world that you wish to see – Mahatma Gandhi

If any one company understands the gravity of that statement, it’s Microsoft Technology Corp. They’ve invested millions in computer science programs to give youth around the globe access to advance their technological skills.

A few ways Microsoft Empowers YOU(th):

  1. FREE YouthSpark Summer Camp at 76 Microsoft Stores in the US and Canada teach coding and creation to kids ages 8 to 16.[i]
  2. The YouthSpark Hub offers a variety of programs that promote innovation and technology. An example is their global Imagine Cup. This Global Competition gives $50,000 prizes to students 16 years or older, who create a new game for Play to Win, develop new software for Break the Rules, or promote new technology to help Change the World.[ii]
  3. They recently launched 2 online contests: (1) The Power of Azure – a monthly cloud computing competition where you enter to win $1,000 and (2) Code with NASA Science which is a great way to enter a competition while learning how to code for FREE. Check out more of Microsoft’s programs here.

Microsoft’s drive to create a better world:

  1. Since 1983, Microsoft has donated over $5.5 billion in software and technology to non-profits and disaster response. [iii]
  2. Microsoft employees donate more than $100 million a year to over 20,000 non-profit organizations. Microsoft matches employee donations up to $15,000 per person.[iv]
  3. The Gates Foundation – Even though Bill Gates is retired, he’s busy giving away his money instead of spending it like most billionaires. The Gates Foundation has donated billions to worldwide issues like saving and improving young lives through vaccinations and education.

Microsoft, as well as The Gates Foundation, are committed to improving an equal education through scholarships, college readiness programs, and educational technology is why they’re getting our props. Microsoft is putting its dollars where its mouth is, and in the process helping to create a world of opportunities for your future.

[i] Choney, Suzanne. A place where learning is in store: YouthSpark Summer Camps at the Microsoft Store. Microsoft.com. August 27, 2015. http://news.microsoft.com/features/a-place-where-learning-is-in-store-youthspark-summer-camps-at-the-microsoft-store/

[ii] Microsoft Imagine Cup. Microsoft.com. Accessed 12 February 2016. https://www.imaginecup.com

[iii] Employee Giving By the Numbers. Microsoft.com. Accessed 12 February 2016. https://www.microsoft.com/about/philanthropies/our-employees/employee-giving/

[iv] Our Employees. Microsoft.com. Accessed 12 February 2016. https://www.microsoft.com/about/philanthropies/our-employees/

Laundry 101 for Teens

Laundry 101 for Teens

Separating the big boys from the mama’s boys is not rocket science… It’s basic. Check out the video and tips so you don’t sport a pink polo (that was white) or mid-drift (that was once a dress) on your first date. Watch How to Adult’s Laundry 101 and read our tips below. 

THE BASICS
1. READ THE LABEL!!! If it says lay flat to dry, it means lay flat unless you want a t-shirt instead of a dress.
2. SORT BY COLOR: Darks with darks, lights with lights, and whites only if you need to bleach your tidy whities that turned a bit brown… God bless bleach:)  But if you like faded pink garms, wash your red shirt with your whites in warm water. Colors bleed, especially if washed in warm water.
3. SORT BY MATERIAL: Don’t wash your favorite thin cotton t-shirt with your towels unless you like holey shirts. Same goes with jeans and your favorite black shirt. Same color does not equal same material. Wash delicates (of the same color on cold) with delicates and thicker materials like towels together.
4. COLD V. HOT: Most light colored cotton items like towels, sheets, and t-shirts are washed on warm, but READ the label. If the material is synthetic like spandex or delicate like silk, wash in cold to avoid shrinking and wrinkles. Darks are washed in cold so their colors don’t fade. If label is missing, play it safe and go COLD unless you know what you’re doing.
5. STAIN REMOVAL – Treat stains as soon as you can. Stains on white, spot treat with bleach (bleach gel is much easier than liquid bleach). Typical stains on colors like dirt and food, use a stain removal product like Shout or Oxy spray or stain sticks. Oil stain, soak in Dawn dish soap (other brands typically don’t work). Dawn lifts the stain like Baking soda or soda water does on rugs. Therefore, use soda water or baking soda to lift stain from wool sweaters. Don’t try using water to rub it out, it’ll just absorb the stain and become more difficult to remove. Let baking soda lift stain then blot, don’t rub.
6. DETERGENT– You may be addicted to Tide from your parents but if you’re on a budget or have allergies, use a more budget or allergy friendly detergent like Arm & Hammer Oxy Clean Stain fighter or Sensitive Skin that works just as good as Tide for 1/2 the price. No need for liquid softener unless you love. Use the correct amount of detergent for load size and wash machine. HE (high efficiency) machines use very little detergent compared to traditional washers. When you buy detergent make sure its for an HE washer if that’s what you have.
7. FABRIC SOFTENERS: Dryer sheets & liquid softeners can be used but not necessary. Dryer sheets are cheaper and easier than liquid softener. Both are used to make your clothes smell better and have less wrinkles. The Target brand has great inexpensive options. Use sensitive skin ones unless your clothes stink because the more chemicals you add to your clothes, the more your skin can be affected with allergies. Best to not use any fabric softeners unless you’ve got some stink going on or your clothes are suffering from wrinkling. NEVER use fabric softeners on spandex (elastane). The waxy softening agent destroys elastane and will make your favorite workout pants loose.
8. HAND WASH ITEMS – Sexy lingerie, nylons, cashmere and other things you care about. Use cold or lukewarm water if label states. Always use clean sink. Detergent: Woolite or Baby shampoo (Target baby shampoo is great & cheap). Swirl clothes or knead for a couple minutes then rinse. After rinse GENTLY squeeze and lay flat to dry. For silk, you can add conditioner in a final rinse to make it softer.
9. IRONING: Iron when items are slightly damp then hang. Make sure you use your iron on the correct setting (cotton, silk, etc.) You don’t your white shirt with yellow iron imprint.
10. DRYER – READ LABELS!! Typically medium heat for regular items/cotton clothes. Anything you don’t want shrunk should go on low or air only for 5-10 min then hung. Most delicate items can tumble with no heat for a few minutes then lay flat to dry. Wool should lay flat only. If you don’t know, hang it… Worst thing that happens is that you conserve energy.

***POOR MANS LAUNDRY/CLEANING PRODUCTS – Baby shampoo, dish soap, bleach, and/or baking soda can take you a long way. These basics can clean your clothes, car interior, tile floors, and so much more.

 

A Citi that Empowers YOU(th)

A Citi that Empowers YOU(th)

The Citi Foundation, funded by Citibank, has two signature programs that support YOU(th): (1) Pathways to Progress and their new (2) Community Progress Makers Fund.

  1.  Citi’s Pathway to Progress is donating $50 million over the next three years to 12 Youth organizations. These organizations promote Citi’s initiative of helping 100,000 low income US youth develop workplace skills. Check out the program(s) below if you live in or near one of the cities, so you can benefit.

    12 programs in 10 cities include:

    Boston: United Way of Massachusetts Bay and Merrimack Valley’s Youth Venture Program
    Chicago: Chicago Cook Workforce Partnership
    Dallas: Café Momentum
    Los Angeles:
    UNITE-LA and Center for Powerful Public Schools
    Miami: Communities In Schools of Miami
    Newark:
    YouthBuild Newark
    New York:
    United Way of New York City and Per Scholars
    San Francisco:
    Year Up Bay Area
    St. Louis:
    Urban League of Metropolitan St. Louis
    Washington D.C
    .: Urban Alliance
    View a summary of each organization here

2. The Community Makers Fund is donating $20 million over the next 2 years to non-profit organizations in Chicago, LA, Miami, NYC, San Francisco, and Washington DC. Each nonprofit organization will
receive up for $500,000 to help low income communities improve economic opportunities to YOU(th). The primary focus is to get youth to work together to promote positive social and economic change.

The Citi Foundation also donated $4.6 million in 2015 to Cities for Financial Empowerment Fund. This money is for the Summer Jobs Connect program, which gave 2,000 youth, summer jobs and financial education in eight cities in 2015. A program like this helps you gain employable skills and sets you apart on a college application and/or resume!

How YOU(th) Have Power

How YOU(th) Have Power

As part of the iGeneration or Gen Z, you hold $44 billion[i] in direct spending in our economy. Even though Babyboomers (your grandparents) hold the heaviest stacks, you have a unique power that no generation holds… INFLUENCE. Your purchasing power along with your social influence over your grandparents and parents, gives you supervillain domination over the economy.

Here’s the sexy part… This power is not limited to just buying a specific thing or service. It expands to include media content. Every time you watch a show, a commercial, or click on a link, you’re letting advertisers know you want more of what they’re selling. This is why it’s important to make informed decisions about what values you want to embrace as an individual. Do you want the media to control your content, or do you want control media content?

LYF believes that your generation is going to change the trend of chasing the herd because you value being an individual with your own unique style, interests, dreams, and goals. So before you pick up the remote or open a link, master your ability to influence faster than any age group ever, because of the fervid speed by which you disseminate information. LYF wants you to use this super power to engage in meaningful output and support merchantry that values your future and community.

Businesses that give back to their communities, donate scholarships, and promote positive development deserve our daps and backing.

 

 

[i] How to Market to Gen Z, the Kids Who Already Have $44 Billion to Spend. Entrepreneur.com. Accessed August 2015. http://www.entrepreneur.com/article/238998

 

Daily History: July

Daily History: July

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    July 1, 1867 & 1997

    July 1 ~ Independence from Britain
    1997: Britain returns Hong Kong to China
    1867: Canada Independence Day ~ the British North America Act was signed, which allowed Canada to govern as it’s own entity.

    Hong Kong has created one of the most successful societies on Earth ~ Prince Charles

    THINK: What makes Hong Kong a great city? Why would a country want Independence? Why do kids want independence from their parents?
    ACT: 1. Learn a couple interesting facts about Canada and China. Write down your favorite fact and share it with someone 2. What forms of government do Canada and China have? What type of government would you prefer to live in? Choose a family leader today and let them rule.

  • July 2,

  • July 3

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    July 4, 1776

    July 4, 1776 ~ The Continental Congress declares their independence from Great Britain after years of unjust taxes, no representation in parliament, and a desire for “unalienable rights”. Twelve of the thirteen colonies approved this declaration of freedom from Britain today, but August 2, was the day it was signed by all colonies. Read more at History.com.

    ~all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.~ Declaration of Independence

    THINK: Why would citizens get upset about taxes? What do your parents expect in return for providing you shelter, clothing, food and clothing. What do US citizens get for their taxes?

    ACT: What does, “all men are created equal” mean to you? What do you think it meant to the author and signers who owned slaves? What were women’s rights at the time? How many years after this was signed did African Americans get their right to vote? What about women?Use this timeline by KQED and do the math.

    Watch 9 Things You May Not Know About the Declaration of Independence by History.com

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    July 6, 1957

    1957, Althea Gibson, became the first African American to win the Wimbledon, the oldest and most prestigious tennis tournament that takes place in London.  Her natural athleticism allowed her to break barriers as an athlete and an African American. Read more about her at History.com or watch a video at Biography.com.

    Althea quotes: Most of us who aspire to be tops in our fields don’t really consider the amount of work required to stay tops.
    Being champion is all well and good, but you can’t eat a crown.

    THINK: How much time and effort would someone need to put into winning Wimbledon? What other sport is she recognized for? What does she mean by “you can’t eat a crown?
    ACT: 1. After Althea retired, she struggled financially. What are ways a professional athlete can make money after they retire from a sport?  Choose a grade level activity to complete at Practical Money Skills. 2. Read the Wall Street Journals,“The Smart Way to Teach Children About Money“. Review their Setting a Standard Guide created using Jumpstart.org’s resources. Use the chart to introduce grade level finance concepts.

  • July 8

  • July 9

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    July 10

    July 4, 1776 ~ The Continental Congress declares their independence from Great Britain after years of unjust taxes, no representation in parliament, and a desire for “unalienable rights”. Twelve of the thirteen colonies approved this declaration of freedom from Britain today, but August 2, was the day it was signed by all colonies. Read more at History.com.

    ~all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.~ Declaration of Independence

    THINK: Why would citizens get upset about taxes? What do your parents expect in return for providing you shelter, clothing, food and clothing. What do US citizens get for their taxes?

    ACT: What does, “all men are created equal” mean to you? What do you think it meant to the author and signers who owned slaves? What were women’s rights at the time? How many years after this was signed did African Americans get their right to vote? What about women?Use this timeline by KQED and do the math.

    Watch 9 Things You May Not Know About the Declaration of Independence by History.com

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    July 12

    1957, Althea Gibson, became the first African American to win the Wimbledon, the oldest and most prestigious tennis tournament that takes place in London.  Her natural athleticism allowed her to break barriers as an athlete and an African American. Read more about her at History.com or watch a video at Biography.com.

    Althea quotes: Most of us who aspire to be tops in our fields don’t really consider the amount of work required to stay tops.
    Being champion is all well and good, but you can’t eat a crown.

    THINK: How much time and effort would someone need to put into winning Wimbledon? What other sport is she recognized for? What does she mean by “you can’t eat a crown?
    ACT: 1. After Althea retired, she struggled financially. What are ways a professional athlete can make money after they retire from a sport?  Choose a grade level activity to complete at Practical Money Skills. 2. Read the Wall Street Journals,“The Smart Way to Teach Children About Money“. Review their Setting a Standard Guide created using Jumpstart.org’s resources. Use the chart to introduce grade level finance concepts.

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    July 17, 1955

    Disneyland opened ~ It cost $17 million dollars for Walt Disney to build Disneyland. Walt’s vision was to make it educational as well as amusement for kids. Today it makes around $3 billion a year. Walt Disney was born in 1901 in Chicago and worked as a commercial artist before moving to Los Angeles. Walt’s 1928 film, Steamboat Willy, was a success with Mickey Mouse as the animated character. Learn more about the brilliant perfectionist, Walt Disney at History.com.

    All your dreams can come true, if we have courage to pursue them. – W. Disney
    I have no use for people who throw their weight around as celebrities, or for those who fawn over you just because you are famous. ~ WD
    When you’re curious, you find lots of interesting things to do. ~ Walt Disney

    THINK: What do the first 2 quotes mean?
    ACT: 1. Observe that many great minds talk about curiosity, how can you spark curiosity? Taking away items that halter it, such as television and video games, are often a start. Give your children games that promote problem solving and creation such as puzzles, Connect Four, Checkers, Chess, Othello, Legos, or a random bag of objects and have them build something with them. 2. One of Walt’s quotes is: You reach a point when you don’t work for money. Explain that a person must first earn money doing things they might not like, in order to make enough money to do something they love. This quote is something millennials have struggled with and it has harmed their work ethic and ability to hold jobs. Watch the YouTube video by Micah Tyler and think about Walt’s reaction to it.

Chocolate Treats

Chocolate Treats

I can’t live without chocolate, so I decided to find a healthy way to eat it. I had to solve 2 problems… Portion control and sugar. During detoxes, I still have a small cup of coffee with the coconut oil, which I remove from my morning shake because I get up early. After one of my detoxes, I decided to take the coconut oil/butter and create a portion sized treat with it instead of drinking it in coffee.
I simply created my own Trader Joe’s portion controlled-size dark chocolate almond or peanut butter cup. I took my much loved espresso cup, plopped about 1 Tbsp. coconut oil/butter in it with a drop (1/8 tsp) Manuka honey, which is loaded with health benefits. I added about 1 tsp. cocoa powder until it tasted rich enough for my dark chocolate craving. Finally, I added about 1/2 tsp almond butter, to the center, covered it with chocolate and stuck it in the freezer for about 30 minutes. I used a small spoon to pop it out of the espresso cup and voila! A single portion dark chocolate treat to join my morning coffee that’s loaded with healthy fat, antioxidants, less and than 1g of sugar… Problem solved!
If you don’t have portion control issues like myself, I suggest buying a small silicone chocolate mold. They’re sold at KitchenNiche.ca but Michaels or Sur la Table may have as well. The molds make 12 small cups and recipe is below. 4 pieces are about the same nutritional value as 1 large cup.

~INGREDIENTS~ Trader Joe’s has everythingchocolate treats
1 Tbsp. unrefined virgin coconut oil in jar
1 Tsp. cocoa powder
1/8 Tsp. Manuka honey (can use another sweetener if allergic)
1/2 Tsp. almond butter
*can try adding drop of peppermint flavoring

~INSTRUCTIONS~
Mix oil and honey in small glass or ceramic container that can be placed in freezer. Add cocoa slowly and taste to your desired preference. If too chocolatey or thick you can always add more coconut butter or a few drops of coconut milk. Coconut milk will add a longer freeze time. Once mixed well, swipe the sides with small spatula, spoon, or finger if it’s for you. Use small spoon to put almond butter in center and smooth over with chocolate. Stick in freezer for about 30 minutes. Pop out and eat. If you don’t want to eat entire piece, cut in half and put back in freezer since oil will soften at room temperature (this is why they can’t be sold on store shelves).

Nutrition: 170 calories, 15 grams of fat (13 saturated, 1 poly, 1 mono), , 1g+ protein, 1 carbohydrate, >1g sugar

CHOCOLATE MOLD VERSION

~INGREDIENTS~
4 Tbsp. unrefined virgin coconut oil in jar
4 Tsp. cocoa powder
1/2 Tsp. Manuka honey
1/8 – 1/4 Tsp. of any filling you’d like OR nut

~INSTRUCTIONS~
Same process as above but use a small ceramic or glass bowl to mix then transfer to chocolate molds with small spoon. Once cups are equal with chocolate add 1/8 -1/4 tsp nut butter, a regular nut, or nothing. Freeze time is less than 30 minutes.

Healthy chocolate treats from LYFteacher on Vimeo.

Learn a Language as a Family

Learn a Language as a Family

Many American families are fortunate to have family members who speaks another language and can teach their younger family members. For those of us who aren’t so lucky, here are a few ways to embrace and begin learning a second language as a family.

5 TIPS to LAUNCH LANGUAGE 

  1. Choose a language. Ask your children what language interests them. Think about peers who speak another language and how they can help you learn and use it because if you don’t use it, you WILL lose it.
  2. Set a REASONABLE time commitment. If you don’t set a reasonable goal, you will not succeed. I have a 15 minute a day commitment. 5 minute morning review and 10 minute afternoon/evening lessons. On weekends we do a review and watch a cartoon like Pepe the Pig in the language.
  3. Download apps and set up accounts. I like a variety of learning methods. I like and use the FREE versions of the language websites/apps: Busuu, Duolingo, and Memrise. Choose one or more and get started. Use progress tacking templates below and set up Quizlet account to add vocabulary words and phrases to practice.
  4. Surround Sound: Watch TV shows (use Netflix language settings), listen to music (Earworms), go to restaurants where the language is spoken, and find ways to be around native speakers. I also like to use Verbling 1 day a week for a private lesson for us. I like the ability to learn in my own home for a reasonable price.
  5. REWARDS! Set up a weekly chart to track progress each month. If goals are achieved gives small or build up to a large one. An example is a trip to the ice cream store or a specific amount of money toward a family trip to a country where the language is spoken.

Progress Tracking Template ExamplesDaily-Language-Tracker      Monthly-Language-Goal-Tracker
Favorite Translation Websites: Google Translate, Bing Translator, Linguee, Spanish Dict
Favorite Language Apps: Busuu, DuolingoMemrise, and Earworms (Learn with music: $10 download for 1 language)