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Project Summary July 2009

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                    Project Summary
                       July 2009




                     John D. Perdue
               West Virginia State Treasurer
    1900 Kanawha Boulevard East   Charleston, WV 25305-0860
       800-422-7498                NetWorth@wvsto.com
                                           Introduction


             A classic definition of net worth calls it the difference between everything you owe
         and the market value of everything you own. Net worth can be either positive or
         negative. To many observers, net worth is the bottom line measure of personal financial
         success.

             More importantly, it is the measure of how well an individual has been able to
         adhere to the principles of personal financial management. A person with a high
         income can still have a negative net worth. On the contrary, a person with a low to
         moderate income can have a positive net worth. A positive net worth is an indicator of
         sustainable wealth and is the desired state.

             Personal finance education teaches principles and disciplines that lead to a positive
         net worth, such as budgeting, saving, investing and risk management.



                                      Proposed Outcomes
The attainable goals of NetWorth are:

      Where all elementary school students have a savings account and actively budget their
      money.

      Where students from middle grades on develop a comprehensive personal financial plan
      and update it at least annually with parental input.

      Where students from the middle grades on have developed a comprehensive career plan
      and update it annually.

      Where middle school students can analyze the product warranty that comes with their
      latest gadget (eg. iPod, PS-3) and then analyze the cost-benefits of the extended service
      plan offered by the retailer.

      Where students fully understand the pitfalls of credit cards well before being old
      enough to actually have one of their own.

      Where students know how to shop for the best bank account deals and where all high
      school students have established a banking relationship with a financial institution and
      manage their accounts online.

      Where all high school students have analyzed and compared for their parents the
      various automobile insurance options and costs prior to being added to their parents’
      automobile policies.

      Where high school seniors can accurately prepare federal and state tax returns for
      sample households that have a variety of income sources, deductions and credits.


                                                    1
       Where high school students analyze their own family and household finances and help
       their parents develop an improved personal financial plan.

       Where every high school student with a part-time job has opened and contributed to an
       IRA or 401-K and are actively managing their investments in a manner appropriate to
       their financial goals.

       Where students learn they can actually raise their standard of living through tight
       budgeting and being very savvy consumers.

       Where high school graduates know the questions to ask to sniff out dubious financial
       deals such as bad mortgages or payday loans.

       Where students know how to find the best deals on student loans and how to negotiate a
       financial aid package for higher education.

       Where high school graduates can analyze credit reports and other related data and
       prepare a basic “credit repair” plan.

       Where high school graduates can recognize instances of consumer fraud or abuse and
       exercise the appropriate steps to seek correction.

       Where high school graduates know the characteristics and uses of common asset classes
       and can suggest simple asset allocations appropriate for typical investment goals and
       time horizons.


As is illustrated in these outcome examples, we want instructional materials and strategies
that have the students actually doing something rather than just discussing it theoretically
or hypothetically. For instance, don’t just hear a lesson on savings, but learn savings by
maintaining a savings account. The learning will be problem-based, experiential,
standards-based with real world applications.




                                             2
                                  Summary of Activities

Background

         NetWorth began as a partnership between the West Virginia State Treasurer, John D.
Perdue, and the State Superintendent of Schools, Dr. Steven L. Paine. While the Treasurer’s
Office has been engaged in financial education activities for both students and adults for over
ten years, these efforts have not resulted in personal finance education integrated into the
curriculum for all K-12 students. During this time, the West Virginia Department of Education
joined the Partnership for 21st Century Skills with personal financial literacy as a component of
one of the six elements.
         It was recognized that to ensure that the high school graduate has acquired the necessary
skills to make wise decisions regarding financial management, investment risk, and budgeting,
learning needed to begin at the most elementary level and continue through graduation. Every
student attending West Virginia schools should be engaged in personal finance education
throughout grades K-12. With the support of the West Virginia Board of Education, the
Treasurer and Superintendent approached the Legislature to secure the necessary funding to
initiate a personal finance education program as part of the statewide curriculum.

What is NetWorth?

       Broad network of partners representing government, non-profit, and financial
       institutions (see attachment)
       Partners include State Treasurer, State Superintendent of Schools, State Legislature,
       State Board of Education, State Auditor, Attorney General, and First Lady
       Goal is to improve and expand personal finance education in WV public schools and
       ensure financially literate high school graduates
       Began with determining the personal finance skill set for a high school graduate
       Conducted a comprehensive review of the K-12 curriculum to see where and when the
       skills can best be taught – math, social studies, language arts, i.e.
       Integrate into core curriculum so it will be taught and assessed
       Advance the guidance and counseling program to include personal finance
       Design curriculum materials and provide professional development for teachers
       Seek to maximize community and parental involvement in the solution
       Working task force composed of roughly equal number of teachers and community
       representatives
       Plan for working together for long-term impact
       Desire to build a sustainable system with sufficient resources
       Objective is to ensure personal finance education is authentic and experiential and
       progresses from K to 12.
       It is never too early to start building the knowledge and decision-making skills.
       Where possible, build on current activities including Teach 21 and LINKS
       Research to measure impact at both the formative and summative stages of
       implementation.




                                                3
                                         Program Design

         NetWorth will result in personal finance skills that are integrated into the curriculum as
part of the core subjects and will therefore be assessed throughout the grade levels. The
program design includes the recommendations of the President's Advisory Council on Financial
Literacy, Taking Ownership of the Future: The National Strategy for Financial Literacy (2006)
and the Jump$tart Coalition for Personal Financial Literacy.
         The implementation of NetWorth into the curriculum for West Virginia schools will
occur in three phases. During the first year, a task force comprised of both educators (see
attachment) and community members representing government, non-profit, and financial
institutions (see attachment) was formed to develop the curriculum integration into the core
subject areas for K-12 and into developmental guidance and parent involvement program areas.
The role of the teachers is to create instructional guides in the core curricular areas focusing on
the identified personal finance competencies.

Phase 1
        The instructional guides will address the West Virginia Content Standards and
Objectives adopted by the State Board of Education. The teachers have worked throughout the
2008-2009 school year to create a minimum of thirty (30) guides to be included on the Teach
21 website maintained by the Department of Education. These guides provide teachers with
instructional approaches to personal finance education by incorporating the skills within the
math, social studies, and language arts curriculum where applicable across all grade levels.
        The community members of the task force serve as a resource to provide teachers with
real world learning experiences related to personal finance. They are available to consult with
the teachers as they develop their curriculum materials. In addition, several of the community
members support financial literacy activities that will support and enhance the statewide
curriculum. The community members will also assist with teacher training and community
outreach for the NetWorth initiative.
        School guidance counselors are charged with providing development guidance activities
in the areas of academic, career, and personal/social. Standards and objectives for counseling
provide several areas for addressing personal finance. Examples include decision-making and
stress-reduction strategies, financial planning for postsecondary education, and the relationship
between career choices and future expectations. Counselors representing elementary, middle,
and high school grade levels also serve on the Task Force. During the 2008-2009 school year,
they created a minimum of four (4) lessons per grade level beginning in kindergarten. Each of
these lessons addresses a personal finance skill and the connection to personal responsibility
and decision-making.
        Phase 1 of the NetWorth project produced a compilation of instructional materials
designed for all grades and across the curriculum. An additional 80 instructional guides/unit
plans/PBLs are proposed for the second year. These materials will be juried for inclusion on
the Department of Education Teach 21 website. The educator/authors are compensated for
those guides that meet all requirements for inclusion on the website. The process will continue




                                                4
throughout the 2009-2010 school year to increase the volume of learning resources available to
teachers and counselors to address all of the identified skills.

        Parent involvement activities are a key component of the NetWorth initiative. These
were coordinated with the WVDE Task Force on Parent Involvement. The developmental
guidance lessons that have been created for NetWorth LINKS will each has an extended
activity for engaging parents. This will result in fifty-two (52) opportunities to include parents
in the learning process throughout their child’s school years. In addition, a grade-level specific
culminating student/parent activity has been developed for K-12. The activity involves the
parent and student working together to address personal finance skills or activities where the
parents will learn how to help their child. These activities will be coordinated by counselors,
teachers, administrators and community representatives.

        The results of Phase 1 have been made available online to all teachers and counselors at
the following sites on the West Virginia Department of Education website:
        http://wvde.state.wv.us/instructionalguides/
        http://wvde.state.wv.us/counselors/networth-lessons.html
        http://wvde.state.wv.us/counselors/links/counselors/networth-lessons.html


Phase 2
        Phase 2 of NetWorth began in the spring of 2009 with the selection of 80 (eighty)
classroom teachers representing nineteen grade levels/subject areas and thirty-five (35) of the
state’s school districts. These teachers will serve as pilot sites for implementing the NetWorth
program. During June of 2009, two regional training sessions were held for the pilot teachers.
They were trained in using the personal finance instructional guides developed for their grade
level/subject area. They explored the additional resources and programs available from a
variety of sources. These materials will provide supplemental activities and enrichment to
enhance classroom instruction. During the 2 ½ day training, the teachers will develop an
understanding of the requirements and expectations of a pilot site. The teachers will be
employing the newly developed instructional guides that address the Content Standards and
Objectives (CSO’s) for their grade level/subject area.
        The regional training sessions also included training in the integration of personal
finance education into the development guidance program and parent involvement activities.
The pilot site teachers will collaborate with guidance counselors and school administrators to
execute this curriculum component.
        In addition to the regional trainings, the pilot teachers have the opportunity to attend the
Financial University sponsored by the West Virginia State Auditor and the Jump$tart Coalition
in August 2009. Funding for this activity is provided by the Investment Protection Trust (IPT)
The teachers who complete the additional training will be designated as certified NetWorth
trainers and will become members of a cadre to provide training to all teachers throughout the
state during Phase 3.




                                                 5
Phase 2 will also serve as the research component of NetWorth. The pilot teachers were pre-
tested on their personal finance knowledge and skills. In the fall of 2009, these teachers will
pre-test approximately twenty-five (25) students in the same skills. The assessments will be
nationally-validated tests provided by the National Council on Economic Education (NCEE).
In the spring of 2010, both the teachers and students will be post-tested. The analysis of the
results will provide both formative and summative evaluation. The teachers will also be
expected to journal their observations and reflections as they implement the program with their
students. Partial funding for Phase 2 is being provided by two grants – one from NCEE and the
second from the CitiGroup Foundation.
        During Phase 2, a minimum of three “Special Projects” to enrich NetWorth’s personal
finance curriculum integration will be implemented. Special Projects will be developed for
each level – elementary, middle, and high school. Schools will be encouraged to participate
and will be recognized for their efforts. Criteria will be established for each activity including
timelines, rewards, recognition, requirements, etc. Examples being considered include First
Steps to NetWorth (an elementary banking and savings project), Get a Life (middle school
simulation of career choices, decision-making, and life style costs), Principles of the Stock
Market for middle school, and the West Virginia Stock Market simulation at the high school
level. Special Projects will be introduced to the pilot sites during the 2009-2010 school year.

        NetWorth continues to explore opportunities for expanding the program. Currently,
plans are underway to develop a kit for inclusion in afterschool programs. Working with the
WVU Extension West Virginia Statewide Afterschool Network (WVSAN), providers will have
resources and hands-on activities for students. A partnership with the Fairmont State College
GEAR UP program will provide the GET A LIFE simulation for all seventh graders as a
component of the development guidance program for NetWorth. The state GEAR UP program
has joined in partnership to promote NetWorth as a component of its program. The program
staff has met the West Virginia Association of School Administrators and will meet with
several stakeholders in personal finance education. Presentations on NetWorth are scheduled
throughout the remainder of 2009.
        An effort is underway to enlist the teacher preparation programs of the state’s colleges
and universities in the integration of NetWorth personal finance into pre-service methods and
content courses. The faculty of the University of Charleston are exploring a model for their
students. Other institutions will be contacted in the near future.

       The Community Task Force meets at least quarterly to provide input and feedback on
the NetWorth initiative. Some of the members have partnered with teachers to provide
suggestions for real-world application of the skills while others have been engaged in
developing new program ideas. The West Virginia State Auditor’s Office and the West
Virginia Department of Education have committed time, staff, and resources to the
advancement of NetWorth.




                                                6
Phase 3
       In Phase 3, professional development will be made available for teachers throughout the
state. NetWorth will be implemented in all K-12 schools throughout West Virginia. The
Treasurer’s Office will continue to offer summer institutes and fall follow-up for “NetWorth
101” workshops. Graduate credit will be available for these sessions. The summer institutes
will be sustained in subsequent years providing ongoing professional development and
maximizing the number of teachers reached through the program.

        As demonstrated in the following section, interest in the NetWorth program has
garnered national attention. Program staff members have provided assistance to financial
education programs in other states, and, fully developed, will provide a sustainable model for
the integration of personal finance into the K-12 curriculum for all students.




                                              7
                              Accomplishments to Date

Timeline
May – June, 2008                    Program Design Planning
July – September, 2008              Identifying Task Force Members and program planning
September 24, 2008                  NetWorth Summit (see attachment)
September 24-25, 2008               NetWorth Task Force work session
November 21-22, 2008                NetWorth Task Force work session
January 9-10, 2009                  NetWorth Counselors Task Force work session
February 27, 2009                   NetWorth Community Task Force meeting
February 28/March 1, 2009           NetWorth Task Force work session
April 24-25, 2009                   NetWorth Task Force work session
May 30, 2009                        Presenter Planning session
June 3, 2009                        NetWorth Community Task Force meeting
June 17-19, 2009                    Zone 1 Pilot Teacher Training
June 22, 2009                       Peer Review for Instructional Guides
June 24-26. 2009                    Zone 2 Pilot Teacher Training
August 3-7, 2009                    NetWorth Finance University


Presentations

U.S. Department of Housing and Urban Development Summit– “Education for the Future
Homeowner” Panel - October 7, 2008 – Mandarin Hotel, Washington, DC

Society for Financial Education and Professional Development – National Leadership
Conference – “Financial Education Initiatives” Panel - October 8, 2008 – Gaylord Resort and
Conference Center, Oxon Hill, MD

WV PASS Advisory Board – “Introducing NetWorth” – October 17, 2008 – Charleston, WV

U.S. Treasury - National Financial Education Network of State and Local Governments –
“West Virginia’s NetWorth Initiative” – October 23, 2008 – Nationwide Conference Call

WV Center for Professional Development – 3rd Annual WV Professional Development
Showcase – Statewide Expanded Learning Opportunities for Students - “NetWorth in West
Virginia Schools” - December 5, 2008

National Association of State Treasurers - 2008 Treasury Management Conference and
Exposition – “West Virginia’s NetWorth” - December 9, 2008 - InterContinental Dallas,
Addison, Texas




                                             8
Future Presentations
West Virginia School Counselor’s Association (WVSCA) - Summer School Counselor
Academy - Fairmont State University and Pierpont Community and Technical College –
“NetWorth: Developmental Guidance” - July 10, 2009 – Fairmont, West Virginia


Faces of Leadership – West Virginia State Conference on Volunteerism, Community Service
and Service Learning –“Strengthening the Community through Financial Literacy” - July 15,
2009

West Virginia State Technology Conference – “NetWorth Online” - August 3-7, 2009

West Virginia State GEAR UP Conference – September 13-15, 2009 - Flatwoods, West
Virginia

Fairmont State University GEAR UP Conference – September 27-29, 2009 – Morgantown,
West Virginia

West Virginia Department of Education Regional Counselor Training Sessions – October 1, 9,
and 15, 2009




                                             9
                                Educator Task Force Members

Teachers
Kelli Ballenger                                    Barbara Miller
Summers Middle School                              Retired Elementary Teacher
Summers County                                     Preston County

Teresa Brown                                       Mary Ann Gaston
Craigsville Elementary School                      Pleasant Valley Elementary School
Nicholas County                                    Marion County

Pam Eversole                                       Kathryn Lazenby
Riverside High School                              Technology Integration Specialist
Kanawha County                                     Raleigh County

Patricia Mick                                      Trina Runner
Academic Math Coach                                Bridgeport High School
Summers County                                     Harrison County

Shelia Pell                                        Cynthia Tallamy
Center McMechen Elementary School                  Webster County High School
Marshall County                                    Webster County

Alice Ray                                          Guidance Counselors
Retired Elementary Teacher
Kanawha County                                     Kelly Mordecki
                                                   Horace Mann Middle School
Lynette Swiger                                     Kanawha County
Monongah Elementary School
Marion County                                      Diana Sayre
                                                   Chandler Elementary School
Michael Branch                                     Kanawha County
Parkersburg South High School
Wood County                                        Shelly DeBerry
                                                   Martinsburg High School
Brenda Boyd                                        Berkeley County
McDowell County Board of Education
McDowell County                                    West Virginia Department of Education

Holly Branch                                       Carla Williamson, Executive Director,
Musselman High School                                                      Curriculum
Berkeley County                                    Lou Maynus, Mathematics Coordinator
                                                   Regina Scotchie, Social Studies
Linda Newcome                                                              Coordinator
Aurora Elementary School                           Barbara Ashcraft, School Counseling
Preston County                                                             Coordinator

Parent Involvement Team
Jane Utz                              Joyce Rea                    Kathy Jones
Brooke High School                    Brooke County Schools        Ravenswood High School
Brooke County                         Brooke County                Jackson County



                                              10
                          Community Task Force Members

Rick Tucker                               David Garcia
National Account Representative           College Savings Coordinator
Chase Bank                                The Hartford

Matt Hayes                                Erin Bailey
Chief Deputy                              WV Public Affairs Specialist
US Bankruptcy Court                       State Farm Insurance
Southern District of West Virginia
                                          Charli Fulton
Melissa Aguilar                           Senior Assistant Attorney General
Executive Director                        Consumer Protection
Region 1                                  WV Attorney General’s Office
Workforce Investment Board
                                          Steve Fisher
Marlo Scruggs                             Senior Director
Vice President                            WV Housing Development Fund
Community Development
BB&T                                      Kathy Beck
                                          Director, Consumer Services Division
Mari Keller                               WV Offices of the Insurance Commissioner
AVP, Branch Manager
West Union Bank                           Jack Suttle
                                          Member, Education Committee
Lisa Werner                               WV Society of Certified Public
Mortgage CRA Manager                      Accountants
WesBanco/Ohio Valley Saves
                                          Pat Gruber
Debra Lee                                 Director, Family & Health Programs
Director of Education                     WVU Extension
Consumer Credit Counseling Service
                                          Debrin Jenkins
Anna Campbell                             President
VP, Marketing                             Junior Achievement of West Virginia
West Virginia Federal Credit Union
                                          Chris Mallory
Calah Young                               Assistant CEO
Executive Director                        The State Credit Union
WV Alliance for Sustainable Families
                                          Abigail Scott
Justin Southern                           Senior VP and Operations Officer
Communications Director                   City National Bank
WV State Auditor’s Office
            N ET W ORTH  S UMMIT  
     PERSONAL FINANCIAL EDUCATION FOR 21ST CENTURY LEARNING 



                Wednesday, September 24, 2008


8:30 a.m.Check In
9:00 a.m.Welcome
  The Honorable John D. Perdue
  West Virginia State Treasurer
 Dr. Steven L. Paine
 West Virginia State Superintendent of Schools
 Project Overview
 Lynn Bennett, NetWorth Program Manager
 Introductions and Messages
9:45 a.m.Keynote Speakers
                Financial Education, an International Perspective
                Dara Duguay, Director
                Citi Office of Financial Education, Citigroup
                Financial Education, the Federal Perspective
                Dan Iannicola, Jr., Deputy Assistant Secretary
                Office of Financial Education, Department of Treasury
10:45 a.m.      Panel Discussion
  Financial Education, a West Virginia Perspective
                Phyllis Arnold, President
                West Virginia Operations, BB&T
                The Honorable Darrell V. McGraw, Jr.
                West Virginia Attorney General
                Dr. Hazo W. Carter, Jr., President,
                West Virginia State University
                Russell W. Dunkin, Certified Financial Planner™,
                McKinley Carter Wealth Services
                Delores W. Cook, President,
                West Virginia Board of Education
11:30 a.m.      Luncheon
  Continuing the discussion over lunch




                                12
                                                                LOGIC MODEL
                                        NetWorth: Personal Finance Education for 21st Century Learning

 PROBLEM                SUBPROBLEM(S)             ACTIVITIES              OUTPUT MEASURES                            OUTCOME MEASURES
                                                                                                               Short term         Long Term

 While financial         To date, most
                                                  Establish            WVSTO and WVDE                          Initial 30 Instructional   All teachers will have
 education efforts       classroom activities
                                                  partnerships         WVSAO, WVAGO, WVSOS                     Guides and 52 NetWorth     been trained and will be
 have been               in personal finance
                                                                       State Legislature join with non-        LINKS lessons              integrating personal
 ongoing in the          skills have been
                                                  Identify Task        profits, public and private financial                              finance skills
 state for over ten      provided by a wide
                                                  Force Members        institutions                            Piloted in 110
 years, the              range of
                                                                                                               classsrooms                Students will participate
 research shows          organizations and
                                                  Develop              Teacher/counselor members                                          in annual events at
 that our students       on a volunteer
                                                  Instructional        develop instructional guides for        Data collected and         elementary, middle, and
 are not mastering       basis. These
                                                  Guides and LINKS     inclusion on Teach 21 site and          analyzed                   secondary levels
 the personal            programs have not
 finance skills as an    been coordinated         lessons              LINKS lessons
                                                                                                               Cadre of NetWorth          Students will graduate
 element of the 21st     with each other.
                                                  Identify and train   5 regional trainings for 110 pilot      trainers                   with the knowledge and
 Century Learning
                                                  pilot sites          site teachers; pre-test and post-                                  skills in saving,
 Partnership.
                                                                       test teachers and students              Ongoing professional       investing, and money
                                                  Conduct research                                             development                management
                                                                       Conduct Financial University
                                                  Create additional    (WVSAO) to certify trainers             Expanded partnerships      NetWorth will provide
                                                  curriculum                                                                              ongoing coordination of
     Goal(s)                  Objective(s)                                                                     Outreach activities        statewide efforts
                                                  materials            Curriculum resources to address
A student graduating                                                   the identified personal finance
from high school in                               Identify external    skills across the grade
West Virginia will         ALL students in        resources            levels/subject areas
have mastered the          grades K-12 will
knowledge and skills       have relevant          Conduct K-12         Integrate additional resources into
of personal finance        personal finance       teacher training     the curriculum materials
as a component of          skills integrated
the 21st Century           throughout the         Develop outreach     Create after school opportunities,
Learning Skills.           curriculum.            initiatives          parent involvement, and
                                                                       culminating activities at 3 grade
Personal finance                                                       levels
education teaches
principles and
disciplines that lead
to a positive net
worth, such as
budgeting, saving,
investing and risk
management.                                                                  13
                                     (1)

                                                            NetWorth Pilot Sites
                                     (2)                        2009 - 2010



                                                            (2)
                                    (1)
                                                                              (6)
                                                 (2)
                        (1)         (3)                                 (2)
                                           (1)
             (4)         (2)
                                                   (3)
                                             (2)                  (1)
                              (1)
            (4)       (1)
                    (4)
      (1)                                  (6)
                        (2)
                  (4)
                                (3)
  (5)
            (2)
(1)                                   (2)


                        (2)         (2)
             (3)

                                                       14
                             Pilot Program Training
                                     June 17-19, 2009
                                     June 24-26, 2009
                               Hilton Garden Inn - Bridgeport
Wednesday, June 17/24

12:00 p.m. Registration

1:00 p.m.    Welcome – Introductions
             Lynn Bennett, NetWorth Program Manager

             State Treasurer John Perdue

2:00 p.m.    I need more M&M’s!!!! - Nancy Francis, WVSTO Financial Education Specialist

             Overview of program – What is NetWorth?

2:30 p.m.    Expense forms and graduate credit registration

3:00 p.m.    NetWorth Teacher PreTest


Thursday, June 18/25

8:30 General Session

8:45 a.m. - 12:00 p.m.
       NetWorth Instructional Guides – Session 1 - NeWorth Task Force Members

      K-5 – Teresa Brown and Lynette Swider
      6-8 – Mary Ann Gaston, Linda Newcome, and Michael Branch
      9-12- Holly Branch



                                             15
12:00 p.m. Lunch

1:00 p.m – 4:00 p.m.
             NetWorth Instructional Guides – Session 2 - NeWorth Task Force Members


Friday, June 19/26

8:30 a.m.    General Session

8:45 a.m     NetWorth LINKS - Developmental Guidance
             Shelly DeBerry – NetWorth Task Force Counselor

10:45 a.m. Break (Check Out)

11:00 a.m. NetWorth LINKS – Culminating Parent Involvement Activities
           Jane Utz and Kathy Jones – NetWorth Task Force –Parent Involvement

12:00 p.m. Lunch

1:00 p.m     Finance University and Stock Market Simulation
             Justin Southern, WV State Auditor’s Office

1:30 p.m.    Introduction to Financial Literacy Library Resources
             Linda Hawkins, Director of Financial Education

2:30 p.m.    The Process - Lynn Bennett
                    - Pilot Site Responsibilities and Timeline
                    - Q&A

Wrap Up and Evaluation
            Submit Expense Vouchers and W9s
            Certificates of Participation


                                             16
West Virginia State Treasurer’s Office Financial Education Staff




                          submitted by

                      Lynn Bennett
                 NetWorth Program Manager

http://www.wvsto.com/Financial+Education/NetWorth+main.htm

                    NetWorth@wvsto.com

                         304-558-5000



                        Tazuer Smith
                      Deputy Treasurer
                 Financial Education Division


                       Linda Hawkins
                           Director
             School Financial Education Programs


                        Nancy Francis
                 Financial Education Specialist




                              17

				
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