CONCURRENT SESSION PRESENTER PROPOSAL

							    CONCURRENT SESSION PRESENTER PROPOSAL
       2010 Tennessee Jump$tart Personal Financial Education Teacher Conference
                        June 9 – 11, 2010 ~ Gatlinburg, Tennessee

The Tennessee Jump$tart Coalition for Personal Financial Literacy is seeking presenters for the
2010 Tennessee Jump$tart Personal Financial Education Teacher Conference. Organizations and
individuals who support financial education are encouraged to submit proposals for concurrent
sessions. Concurrent sessions will be 60-minute presentations that will be given twice.

Please submit your proposal via e-mail in the form of a Microsoft Word document attachment to
Jane Gault, Tennessee Jump$tart Conference Co-Chair, at jane.gault@nashville.gov by Friday,
February 12, 2010. Please retain a copy for your records; materials submitted to Tennessee
Jump$tart will not be returned. A committee review process will be used for selection of
presentations. Individuals submitting proposals will be notified by e-mail regarding proposal
status. Presenters are responsible for their travel expenses including hotel room.

1. Presenter Information:
PRESENTER #1
     Name:      
     School/Organization:      
     Address:      
     City:      
     State:      
     Zip:      
     Phone:      
     E-mail:      

PRESENTER #2 (please provide if there will be more than one presenter)
   Name:      
   School/Organization:      
   Address:      
   City:      
   State:      
   Zip:      
   Phone:      
   E-mail:      


PRESENTER #3 (please provide if there will be more than one presenter)


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      Name:      
      School/Organization:      
      Address:      
      City:      
      State:      
      Zip:      
      Phone:      
      E-mail:      

2. Presentation Title (10 words maximum):
        

3. Primary Standard Covered (select one and list related performance indicator):
Note: Please see the attached Tennessee Personal Finance Standards and Performance Indicators
      Standard 1: Income; Performance Indicator:      
      Standard 2: Money Management; Performance Indicator:      
      Standard 3: Spending & Credit; Performance Indicator:      
      Standard 4: Saving & Investing; Performance Indicator:      

4. Focus (select all that apply):
      Curriculum
      Content
      Research
     Other___________________

5. Level (select one):
      Basic (for first-time attendees or attendees needing a refresher)
      Advanced (for repeat attendees)

6. Available Dates (select all that apply):
      Wednesday, June 9, 2010
      Thursday, June 10, 2010
      Friday, June 11, 2010

7. Session Description (75 words maximum):
     

8. Presenter Bio (100 words maximum) – please provide for each presenter:
     

9. Tennessee Jump$tart Code of Conduct (see next page). Initial Here to verify that you have
read and agree to the code of conduct: ______


Please e-mail completed form to Jane Gault, Tennessee Jump$tart Conference Co-Chair, at
                 jane.gault@nashville.gov by Friday, February 12, 2010.



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                         Tennessee Jump$tart Code of Conduct

Adhering to the guidelines in this code of conduct is extremely important and will allow
Tennessee Jump$tart to conduct an event with the most complete information, while representing
Tennessee Jump$tart in the best manner. Presenters, volunteers, and/or exhibitors are expected to
adhere to the following code of conduct:

   •   Provide high quality education programs, which include current, accurate and relevant
       information on the topic.
   •   Presentations and/or information provided should be objective and balanced.
   •   When appropriate, presentations should strive to be interactive and should not be strictly
       lecture. The presentations should strive to include and/or provide at least one activity that
       educators may utilize in the classroom.
   •   Provide factual information and should refrain from sharing personal views or opinions
       related to politics or religion.
   •   Presentations and exhibits cannot be solely structured as a sales pitch. Speakers will have
       the opportunity to introduce their professional affiliation, but should not ask for sales.
   •   Should not introduce products for sale that are not directly related to personal financial
       education (i.e., products introduced should have the ability to supplement classroom
       learning related to personal finance).
   •   Should engage in positive dialogue and should avoid unfair criticism of competitors/other
       organizations.
   •   Named presenters should make the presentation him/herself, unless Tennessee Jump$tart
       has agreed to alternate presenters or an unforeseen circumstance has prohibited
       participation. In this case, the presenters will also strive to arrange substitute presenters,
       if at all possible.
   •   Not, under any circumstances, denigrate any individual or organization, or any group
       (such as ethnic, religious, socio-economic, sexual orientation, age, disability, etc.).
   •   Dress in appropriate attire and refrain from any attire that may be generally considered
       offensive or inappropriate—including language or graphic images on or attached to the
       attire.

If it is determined that the presenter, exhibitor, and/or volunteer violated the code of conduct, the
presenter/exhibitor/volunteer and/or company may be excluded from future Tennessee Jump$tart
events.

Prior to the event, presentations must be provided to the Tennessee Jump$tart event coordinator
for review.

Thank you for your involvement with Tennessee Jump$tart!




                                             Page 3 of 7
     Tennessee Department of Education Curriculum Standards for Personal Finance
               http://tennessee.gov/education/ci/ss/9_12_pers_financepf.shtml

Course Codes
Social Studies - #3496
Business Technology - #3766 and #3767 (non-CTE)
Family & Consumer Sciences - #5613
Marketing - #5038 (Personal Finance) and #5037 (Personal Finance & Building Wealth)

Course Description
Personal Finance is a course designed to inform students how individual choices directly
influence occupational goals and future earnings potential. Real world topics covered will
include income, money management, spending and credit, as well as saving and investing.

Learning Expectations
Students will design personal and household budgets; simulate use of checking and saving
accounts; demonstrate knowledge of finance, debt, and credit management; and evaluate and
understand insurance and taxes. This course will provide a foundational understanding for
making informed personal financial decisions.

Standard 1: Income
Performance Indicators:
The student will:
1.1. Interpret factors affecting income
    a. Career choices and potential income
    b. Educational requirements/training costs
    c. Educational level
1.2 Analyze employer benefits packages
    a. Savings plan
    b. Retirement
    c. Insurance
    d. Leave (vacation, sick, etc.)
    e. Stock purchase
    f. Educational reimbursement
    g. Incentive plans
    h. Cafeteria plan
1.3 Demonstrate an understanding of inflation and its effect on purchasing power
    a. Cost and availability of goods
    b. Effect of cost on availability of and demand for goods
    c. Inflation’s effect on the value of money
1.4 Examine the components of paying taxes
    a. Types of taxes (Federal, State, County, City)
    b. Personal and employer tax responsibilities
    c. Various documents for reporting taxes (W-2, W-4, 1040, 1040-EZ, 1099, etc.)
1.5 Analyze the costs and benefits of paying taxes
    1. Cost of government services (Police and fire protection, schools, roads, Social Security,
        AFDC, parks and recreation, etc.)


                                            Page 4 of 7
Standard 2: Money Management
Performance Indicators:
The student will:
2.1 Apply a decision making process to personal financial choices
2.2 Design a current personal financial plan
2.3 Create a realistic household budget that includes the following items:
    1. Short-term components—saving and spending (housing, utilities, food, entertainment,
       clothing, transportation, personal items, insurance, etc.)
    2. Long-term components—saving and spending (estate planning, wills, insurance, long-
       term care)
2.4 Understand banking procedures and services
    1. Checking and savings accounts (maintaining and reconciling)
    2. Bank service fees
    3. Payment methods
    4. Debit, bank, and automatic teller machine (ATM) cards
    5. Loans
2.5 Analyze personal risk management (insurance)
    1. Health
    2. Life
    3. Homeowners
    4. Auto
    5. Renters
    6. Disability
    7. Long-term care

Standard 3: Spending & Credit
Performance Indicators:
The student will:
3.1 Demonstrate knowledge of basic principles of consumer finance
    1. Credit worthiness
    2. Comparison shopping
    3. Purchases
    4. Goods/ Services
    5. Consumer loans/credit life insurance
    6. Opportunity cost
    7. Consequences of purchasing choices
3.2 Demonstrate awareness of consumer protection and information
    1. Personal responsibility
    2. Laws and regulations
    3. Legal documents, including contracts
    4. Consumer protections
    5. Crimes against consumers
    6. Fraud/Scams
    7. Loan Sharking
    8. Identity theft/protection



                                          Page 5 of 7
    9. Credit reporting services (Equifax, Trans Union, Experian, etc.)
    10. Rental/ Lease
3.3 Analyze consumer debt management
    1. Credit card use and abuse
    2. Credit costs (interest [including APR], penalties, fees, credit score, etc.)
    3. Loan consolidation (benefits and disadvantages)
    4. Credit Counseling
    5. Credit problems including bankruptcy, foreclosure, repossession, surrender of collateral
        (turn back), delinquency, garnishment, effect on employment and purchase of insurance,
        etc.
3.4. Examine various forms of credit payment
    1. Installment
    2. Bank draft
    3. Lay Away
    4. Electronic (Internet, debit card, electronic transfer, credit card)
3.5 Compare/contrast various types of loans
    1. Mortgage
    2. Balloon
    3. Installment
    4. Education/Training loans
    5. Check cashing businesses
    6. Personal
    7. Secured and unsecured
    8. Line of credit
    9. Equity
    10. Title loans
    11. Pawn shops

Standard 4: Saving & Investing
Performance Indicators:
The student will:
4.1 Identify reasons for saving & investing
    1. Education
    2. Emergencies/rainy day
    3. Short term goals
    4. Long term goals
    5. Retirement
    6. Down payment
4.2 Evaluate methods of saving
    1. Certificates of Deposit
    2. Interest bearing savings account (Passbook savings)
    3. Individual Retirement Account (IRA)—Roth and traditional
    4. Pension plans (401K, 403B, annuities, etc.)
    5. Education savings plans




                                           Page 6 of 7
4.3. Evaluate methods of investing
    1. Stocks and bonds
    2. Mutual funds
    3. Real estate
    4. Annuities
    5. Business
4.4 Appraise other aspects of saving and investing
    1. Diversification
    2. Time value of money
    3. Compound growth/ Accrued interest
    4. Rule of 72 (divide interest rate into 72 to determine number of years in which money will
       double)
    5. Risk and return
4.5 Identify regulatory agencies and their functions
    1. Federal Deposit Insurance Corporation (FDIC)
    2. Securities Exchange Commission (SEC)
    3. Federal Reserve
    4. Internal Revenue Service (IRS)




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