Tool Kit Materials

Financial Literacy Presentation and Workshop Reminders

  • Review training materials and make sure that you have all supplies (student primers, note paper, pencils/pens, easel paper, markers, etc).
  • Make sure you know where you’re going and if you need to check in with anyone.
  • Arrive early to set up.
  • Start on time.
  • Introduce yourself, what you do and your organization’s name.
  • Outline your presentation objectives and lesson content.
  • Remember to smile.
  • Maintain eye contact.
  • Encourage dialogue by asking questions and polling the participants.
  • Draw on your own knowledge, experience and background to illustrate points. Stories are priceless!
  • Keep the discussion on topic.
  • Be enthusiastic about your lesson.
  • If you don’t know the answer to a question, admit it and promise to check on it and report back.
  • Summarize key points frequently.
  • Close on an upbeat note.
  • Get feedback from the host and participants.
  • Provide the participants with an evaluation form to help you make improvements to your presentation.
  • Have fun!

Tweets 4 U 2 use…


  • Add the #CAFLM hash tag
  • Add
  • Add a link to your own Web site.

Have fun!

Signing Paper Work Tweets

  • Before You Sign Any Documents—Get all details in writing, and read fine print. Ask questions, only signwhen u understand all details.
  • Verify paperwork matches promises! Unethical salespeople often switch rates, terms and conditions, and important financial details.
  • NEVER sign a blank form!

Avoiding Common Financial Scams Tweets

  • Affinity Fraud—when scammers take advantage of trust among peer groups. One group member invests & others become more easily convinced.
  • Ponzi /Pyramid Schemes use incoming money to pay previous investors. All eventually collapse—leaving newer investors with financial loss.
  • Multi-Level Marketing business modelsr often Ponzi schemes in disguise. B4 u commit time/money, research the company and your options.
  • Verify a charity is legitimate before making a donation. Go to to evaluate charitable organizations.
  • Don’t believe promises of quick profit, insider info, or tactics like “u must act now.” If it sounds 2 good 2 be true, it probably is!
  • If a salesperson won’t allow you time to compare prices or explore other options, be cautious! This is a warning sign of fraud.
  • It’s ILLEGAL for sweepstakes/lotteries to require winners to make a payment (besides the initial ticket) before winnings are distributed.
  • Commodities markets are volatile and risky! Commodities are especially inappropriate for smaller investors.
  • Don’t believe/reply to calls, emails, texts on ur phone, letters saying u won sweepstakes/lottery, when u never bought a ticket—It’s fraud!
  • If u receive appeal letter, call, or email from a lawyer 4 a recently deceased relative uv never heard of, be careful—it’s probably fraud!
  • If foreign govt official, widow, or someone claiming 2 b a US servicemember contacts u & asks 4 help moving money out of country—it’s fake!
  • Work-at-Home offers often sound like easy income, but usually require up-front costs and/or have bogus materials. Profits may never appear.

Phone Scams

  • NEVER give out personal information when you receive an unsolicited phone call!
  • “Slamming” occurs when ur long distance phone service is switched without ur permission. Call 1-700-555-4141 from ur home phone to verify.
  • “Cramming” occurs when u r charged for items/services on ur phone bill that u did not authorize. Review your phone bills carefully!
  • If you are ever told to call an Area Code 809 number immediately—don’t! It’s a scam, and you could be charged $2,425 per minute!

Internet Safety Tweets

  • Be very careful when posting any personal information on the web—it is difficult, if not impossible, to ever remove it.
  • Be sure to only use legit and secure websites—secure websites have an “s” at the end of the “http:” in their address, displayed as “https:”
  • Since credit card purchases r covered by federal consumer protection laws, if possible, use credit card for mail, phone & online purchases.
  • Beware of phony online escrow services (“third party” companies that verify the transfer of merchandise and payment has been fulfilled).
  • Verify legitimacy of online escrow companies b4 u use them—research them companies on the internet & look for customer feedback/ratings.
  • If someone won’t meet with u face-to-face before completing a large financial transaction, be very suspicious. This is a sign of fraud!

Safeguarding Your Personal Info Tweets

  • Review all bills and financial statements immediately when you receive them. Look for purchases you didn’t make!
  • Protect your info! Shred, don’t toss, cancelled checks, credit card statements, old bills, and other financial papers.
  • To protect yourself from mail thieves, send mail at the post office or give outgoing mail directly to your postal carrier.
  • When creating a password—NEVER use ur mother’s maiden name, birth dates, phone #s, consecutive #s, or last 4 digits of ur Social Security #.
  • If u discover someone has stolen ur identity, u can freeze your credit. Contact all 3 national credit bureaus and follow their procedures.
  • “Opt-Out” to remove ur name from mailing lists used to offer u credit/insurance. Go to or call 1-888-567-8688.

Keeping Good Credit Tweets

  • “Credit” is the term used to describe the willingness of lenders to allow you to repay a debt over time.
  • Credit score is used to determine if u qualify for a credit card, loan, or financial service, & impacts the interest rate on your loans.
  • A credit score is based on the amount of credit you already have, your debt-to-income ratio, and your timely payment history.
  • The better (“higher”) your credit score, the lower the interest rates you are charged.
  • Improve your credit score by paying your bills on time and paying debts off in full.
  • For a modest fee, you can get your credit score information at

Credit Report tweets (post in order)

  • A credit report shows ur credit activities, including loans, unpaid balances, payment history, & actions against u because of unpaid bills.
  • Be sure to review your credit report regularly to make sure everything is accurate, and that you are not a victim of identity theft.
  • Children & adults (who can no longer managing their money) are targets of identify theft— Request copies of their credit report once a year.
  • Request your free credit report from the ONLY authorized agency:

Smart Money Management Tweets

  • Financial health is closely tied 2 physical & mental health—Create monthly/annual budget, identify goals, & develop a financial plan.
  • There are financial consequences to being unbanked. Unbanked households spend average of $800 per year on financial transaction fees.
  • Even if u dont think u r an “investor,” if u purchase food, have phone, pay rent, etc, u r participating & there4 investing in the economy.
  • It never hurts to ask for discounts! Always ask companies about special offers like good driver discounts, senior or veterans’ rates, etc.

9 Simple Steps to Help Manage Your Money

  • Make a list of all your sources of income and all your expenses (big and small).
  • Calc total amount owed each month. The amount owed each month varies depending on when bills r due. Review due dates and pay bills on time.
  • Repay debt, especially ones w/ high interest rates. Less debt = more money available and sense of accomplishment.
  • Review ur purchases to see where u can save. Small purchases, such as meals out or movie tickets, may be good opportunities for savings.
  • Save for unexpected expenses by creating an emergency fund. Saving even a small amount on a regular basis builds up quickly over time.
  • Plan 4 big bills like insurance, mortgage, property tax, car repairs. Dont 4get to factor in special occasions like holidays & birthdays.
  • Try to use credit cards for convenience only. Remember, credit card interest rapidly increases total amount owed!
  • Dont fall 4 predatory lending—loans u cant afford or loans w/ undisclosed or excessive interest, hidden fees, & prepayment penalties.
  • If you or your family members are having financial difficulties, don’t let fear or embarrassment prevent you from seeking help!

Financial Difficulties Tweets

  • Have Credit Probs? Contact ur creditor b4 payment is late. Ask to waive late fees, reduce interest rate, and/or establish payment schedule.
  • Be careful—just because a debt management agency claims to be “non-profit” doesn’t guarantee the services are legitimate or affordable.
  • For assistance w/ credit probs & creditors, go to National Foundation for Credit Counseling or call Toll-Free 1-800-388-2227.
  • If you or a family member has a gambling problem, go to or call Toll-Free 1-800-GAMBLER for help.