child education
Helping Teens Develop Financial Literacy
Developing financial knowledge and effective money management habits are important steppingstones for teenagers to become financially stable adults who aspire to build assets and achieve personal goals.


(Family Features) Developing financial knowledge and effective money management habits are important steppingstones for teenagers to become financially stable adults who aspire to build assets and achieve personal goals.
For example, most teens (88%) would like to own a home someday, according to a survey conducted by Wakefield Research on behalf of Junior Achievement USA and Fannie Mae. The survey of 1,000 teens ages 13-17 in the United States found most (85%) believe “owning a home” is part of “the good life,” compared to nearly as many adults (87%). However, fewer than half (45%) could correctly identify the definition of a home mortgage and 76% said they lacked clear understanding of credit scores.
“There’s been this theme that younger Americans aren’t interested in homeownership, but the results of this survey contradict that assumption,” said Jack E. Kosakowski, president and CEO of Junior Achievement USA. “Teens appear interested in owning a home someday but seem to realize they need more information on how to do it.”
To help teens gain a better understanding of financial decisions they’ll face in adulthood, consider these common terms.
Credit Score
While nearly all teens (96%) believe credit scores play an important role in the ability to purchase a home, approximately 3 in 4 (76%) said they understood credit scores only “somewhat,” “a little” or “not at all.” A credit score is a number from 300-850 based on a number of factors, including credit history, open accounts, total debt, repayment history and more. Lenders use credit scores to evaluate a person’s ability to repay loans.
A person’s credit score may also determine the size of a down payment needed when purchasing a smartphone or home, or the deposit needed for renting property or obtaining utilities and may impact interest rates and credit limits on credit cards. Generally, scores below 620 may require paying a higher rate, a shorter repayment term or a co-signer. Scores of 700 or higher are considered more favorable to creditors and may result in lower interest rates while scores higher than 800 typically provide the most benefits to consumers.
Mortgage
While a slight majority of white teens (52%) correctly identified the definition of a mortgage, only around a quarter (26%) of Black teens and fewer than half (41%) of Hispanic or Latino teens could do so. A mortgage is a type of loan used to purchase or maintain a home, land or other types of real estate. The borrower makes a down payment for a portion of the purchase price then borrows the rest from a lender. The borrower then repays the lender over a number of years – typically 15-30 – via a series of regular payments that are divided into principal (the money originally borrowed) and interest with the property serving as security.
Nearly all teens surveyed (97%) thought it would be helpful if schools offered lessons that explained homeownership, including mortgages. In response, Fannie Mae is supporting the development and deployment of Junior Achievement learning experiences for thousands of students annually in various age groups by integrating relevant content from its HomeView homeownership course materials and resources, which are designed with first-time homebuyers in mind.
“Young people today are the homebuyers of tomorrow,” said Jeffery Hayward, executive vice president and chief administrative officer, Fannie Mae. “By providing them access to quality, foundational education now, Fannie Mae and Junior Achievement are helping these future homeowners prepare for the mortgage and homebuying process when they’re ready to take that step.”
Visit ja.org for more tips and information to help teens improve their financial knowledge and reach their goals.
Photo courtesy of Getty Images
SOURCE:
Junior Achievement
Books and Novels
George Magazine Introduces Children’s Magazine: George Junior
HOT SPRINGS, ARKANSAS, USA /EINPresswire.com/ — GeorgeMagazine has recently launched their latest creation, a new children’s magazine focused on leadership, patriotism, and faith. The magazine is geared toward children ages 6 to 12 and features a thought-provoking theme each month. Its latest edition set to release today focuses on setting goals and creative ways to stick with them.




In this issue, readers can also look forward to:
1. Comic Book Style Stories: Read along as George Jr., his friend John, and his
sister Betsy, learn a lesson in setting goals, practicing, and staying patient.
2. Bible Stories: Each issue brings to life Bible stories, offering a kid-friendly
perspective on the teachings and morals found within these tales.
3. Branches of the Military: Children will learn the branches of the United
States Military and what each branch is responsible for.
4. Activities: Readers will learn how to create their very own snow globe as
well as how to make Garlic Toast Pizza.
5. Vocabulary: George Junior believes learning new words is important, and
each issue features a set of five words in the beginning of the magazine the
children will seek to find throughout the rest of the magazine.
6. Notable People: This issue features information about Nikola Tesla and the
inventions he created.
Parents can rest assured that George Junior magazine provides a safe and enriching environment for their children. The magazine’s focus is on providing quality content that is both educational and entertaining, allowing kids to explore the world around them while maintaining the innocence of childhood.
George Junior is available at georgejuniormagazine.com. Subscriptions are also available for added convenience and savings. The magazine is a monthly
subscription, allowing children to have something fun to look for in the mail.
With its dedication to fostering intellectual growth and character development, George Junior is the perfect gift for parents and grandparents looking to inspire children while keeping them engaged. Each issue is thoughtfully crafted to stimulate young minds and encourage them to dream, investigate, and thrive.
Visit us on social media:
Twitter
LinkedIn
Instagram
TikTok
Source: GEORGE Magazine
child education
Brainingcamp and Savvas Learning Company Partner to Make Math More Visual and Hands-On
AUSTIN, Texas (Newswire.com) – Brainingcamp, a globally recognized provider of world-class digital math manipulatives, announced today that it is partnering with Savvas Learning Company to provide its premiere digital manipulatives for the Savvas K-8 math programs. The combined content will transform students’ grasp of abstract math concepts by making math visual and interactive.
Brainingcamp’s suite of digital math manipulatives will be included in the newest Savvas K-8 math programs: the award-winning enVision Mathematics © 2024 and the brand-new, student-centered Experience Math © 2025.
More than 7.5 million students and educators rely on Brainingcamp virtual manipulatives. With all the familiarity of their physical counterparts, Brainingcamp’s 17 manipulatives allow students to explore math concepts more deeply through its interactive and intuitive digital functionality.
“Embedding Brainingcamp digital manipulatives into Savvas content creates incredible visual and interactive learning,” said Dan Harris, Brainingcamp’s president and founder. “We admire Savvas as a longtime leader recognized for its innovative and exceptional curriculum. I know the teachers and students who use Savvas Learning Company’s high-quality math programs will love having Brainingcamp manipulatives at their fingertips to increase engagement and develop deep conceptual understanding.”
By partnering with Savvas, Brainingcamp will provide best-in-class digital manipulatives to the millions of students and educators using the Savvas K-8 math solutions. Additionally, with Brainingcamp LIVE, teachers can host a screen-sharing session with their class for real-time instruction and instant feedback on student progress.
“Math manipulatives are an integral part of an active learning classroom. They combine visual and hands-on learning to help students develop critical problem-solving skills,” said Bethlam Forsa, CEO of Savvas Learning Company. “By partnering with Brainingcamp, Savvas is offering best-in-class interactive math manipulatives for use with our evidence-based, K-8 math solutions. This combination offers educators the instructional flexibility and accessibility they need to ensure all students have the opportunity to succeed.”
To learn more about Brainingcamp, visit www.brainingcamp.com.
ABOUT BRAININGCAMP
Brainingcamp is a globally recognized provider of world-class digital math manipulatives. Through their versatile manipulatives, Brainingcamp is creating a world where students can deepen conceptual understanding through hands-on and visual learning. Brainingcamp’s mission is to bring math to life. More than 7.5 million educators and students trust Brainingcamp worldwide. For more information, visit Brainingcamp.
ABOUT SAVVAS LEARNING COMPANY
At Savvas, we believe learning should inspire. By combining new ideas, new ways of thinking, and new ways of interacting, we design engaging, next-generation K-12 learning solutions that give all students the best opportunity to succeed. Our award-winning, high-quality instructional materials span every grade level and discipline, from evidence-based, standards-aligned core curricula to supplemental and intervention programs to state-of-the art assessment tools — all designed to meet the needs of every learner. Savvas products are used by millions of students and educators in more than 90 percent of the 13,000+ public school districts across all 50 states, the District of Columbia and Puerto Rico, as well as globally in more than 125 countries. To learn more, visit Savvas Learning Company. Savvas Learning Company’s products are also available for sale in Canada through its subsidiary, Rubicon.
Source: Brainingcamp
child education
Exploring Study Abroad: Opportunities for High School Students
Discover exciting study abroad opportunities for high school students. Expand horizons, foster intercultural understanding, and create lifelong connections through international exchange programs.
In an increasingly interconnected world, fostering intercultural understanding is crucial. That’s where ASSE, a non-profit public benefit organization, comes in. Dedicated to promoting closer ties of friendship between the United States and other countries, ASSE offers an enriching opportunity for high school students aged 15 to 18 through their youth exchange programs.


ASSE’s selection process is based on academic performance, character references, and a genuine desire to experience life abroad. Students have the freedom to choose their host country, irrespective of prior language knowledge. Scholarships are available, considering academic performance, leadership skills, and financial need.
The program ensures that families abroad are carefully screened, providing a safe and nurturing environment for students. Although language proficiency is not a requirement before departure, students acquire language skills through immersion in the local culture and attending regular high school classes alongside their new teenage friends.
Moreover, ASSE offers American families a chance to host international students from various countries, including Spain, Italy, Germany, Ukraine, Thailand, and Japan. Hosting an ASSE student provides an invaluable cross-cultural experience, as the students actively participate in the host family’s daily activities and attend a local American high school for an academic year or semester.
To learn more about becoming an ASSE exchange student or hosting an international student, contact Saphia Lesch at 1-800-473-0696, visit www.asse.com, or send an email to [email protected].
ASSE International Student Exchange Programs create opportunities for personal growth, lifelong friendships, and a deeper appreciation for diverse cultures. Join ASSE today and embark on a transformative journey of intercultural exchange.
Source: ASSE International Student Exchange Programs
-
Community9 months ago
Diana Gregory Talks to us about Diana Gregory’s Outreach Services
-
Senior Pickleball Report10 months ago
ACE PICKLEBALL CLUB TO DEBUT THEIR HIGHLY ANTICIPATED INDOOR PICKLEBALL FRANCHISES IN THE US, IN EARLY 2023
-
Entertainment12 months ago
The Absolute Most Comfortable Pickleball Shoe I’ve Ever Worn!
-
Blog10 months ago
Unique Experiences at the CitizenM
-
Automotive9 months ago
2023 Nissan Sentra pricing starts at $19,950
-
Senior Pickleball Report10 months ago
“THE PEOPLE’S CHOICE AWARDS OF PICKLEBALL” – VOTING OPEN
-
influencers10 months ago
Keeping Pickleball WEIRD, INEXPENSIVE and FUN? These GUYS are!
-
Blog11 months ago
Assistory Showing Support on Senior Assist Day