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$keywords = "Your Life Your Money, finance, financial questions, money, budgeting, insurance, financial experts, financial resource, money resource, banking, credit, credit questions, insurance questions, self employment, videos, real people real questions, real stories, financial advisor, financial advise, do it yourself, cash comix, street feeds, expert voices, host extras, donald faison, handling cash, spending money, debt, credit score, health insurance, retirement, savings, manage money, budgeting, needs vs wants, choosing a bank, saving habits, control credit, paying for college, retirement funds, credit report, tax deductions, compound interest, calculators, quizzes, glossary, financial terms definitions, web resources, classroom guide, youth guide, financial organizations, financial lessons activities";
$description = "Find resources, activities and lesson plans to help young adults overcome financial challenges and learn money basics. Our Facilitator’s Guide provides meaningful activities and the Young Money Magazine: Special Edition Guide on Your Life, Your Money features stories and helpful tips written for young adults. Whether you’re a teacher, facilitator, or parent, you will find useful ways to get someone’s financial life on track.";

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<img src="images/headings/heading_educators_families.png" width="525" height="80" alt="Educators &amp; Families - So, you want to get your financial life on track? You're in the right place!" class="trans" />

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        <p>Find resources, activities and lesson plans to help young adults overcome financial challenges and learn money basics. Our Facilitator's Guide provides meaningful activities and the <i>Young Money Magazine: Special Edition Guide for Your Life, Your Money</i> features stories and helpful tips written for young adults. Whether you're a teacher, facilitator, or parent, you will find useful ways to get someone's financial life on track.</p>
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	<h2>Lessons &amp; Activities</h2>
    

        <p>These accompanying lesson plans and activities (for grades 11 &amp; 12, as well as, adult learners) will help you, and those you teach, learn a lot about how to become financially literate and stay that way for life!</p>
        
        <div id="tabs">

        <ul>
			<li><a href="#web-exclusives">Web Exclusives</a></li>
            <li><a href="#make-it-and-keep-it">Making It &amp; Keeping It</a></li>
            <li><a href="#make-your-money-work">Make Your Money Work For You</a></li>
            <li><a href="#dig-out-of-debt">Digging Out of Debt</a></li>
            <li><a href="#save-more-spend-less">Start Saving</a></li>
            <li><a href="#insure-your-future">Get Insured</a></li>
            <li><a href="#do-it-yourself">Do It Yourself</a></li>
        </ul>
    
    <div id="web-exclusives">
    
	  <div id="web_exclusives_pane" class="scroll-pane">
      
      <p>Find some helpful lessons and activities not found in the Classroom Guide.</p>
      <br />
      <h4><strong>Blogging on Personal Financial Freedom</strong></h4>
      <p>Examine what it means to have personal financial freedom.</p>
      <p class="cta"><a href="more/facilitatorguide_ch1_techlesson.php">Check it out</a></p>
      
      <h4><strong>Personal Spending Spreadsheet</strong></h4>
      <p>This activity helps students create their own personal spending plan.</p>
      <p class="cta"><a href="more/facilitatorguide_ch2_techlesson.php">Check it out</a></p>
      
      <h4><strong>Selecting a Credit Card Online</strong></h4>
      <p>Learn how to select a credit card through comparing and contrasting card options.</p>
      <p class="cta"><a href="more/facilitatorguide_ch3_techlesson.php">Check it out</a></p>
      
      <h4><strong>Career Choices</strong></h4>
      <p>Investigate how an individual's career choice might affect their financial future.</p>
      <p class="cta"><a href="more/facilitatorguide_ch4a_techlesson.php">Check it out</a></p>
      
      </div>
      
   </div>
    
	
    
    <div id="make-it-and-keep-it">
    
	  <div id="make_it_and_keep_it_pane" class="scroll-pane">
      
      <h4><strong>Hip-Hop Music Culture and Wealth?</strong></h4>
      <p>Explore and reflect how popular culture impacts our views of money.</p>
      <p class="cta"><a href="more/facilitatorguide_ch1_lesson2.php">Check it out</a></p>
      
      <h4><strong>Hip-Hop Entrepreneur</strong></h4>
      <p>Learn more about the Hip-Hop Summit and what it means on a cultural level.</p>
      <p class="cta"><a href="more/facilitatorguide_ch1_lesson3.php">Check it out</a></p>
      
      <h4><strong>Blogging on Personal Financial Freedom (Web Exclusive)</strong></h4>
      <p>Examine what it means to have personal financial freedom.</p>
      <p class="cta"><a href="more/facilitatorguide_ch1_techlesson.php">Check it out</a></p>
      
      </div>	
	</div>
    
	<div id="make-your-money-work">
    
	  <div id="make_your_money_work_pane" class="scroll-pane">
      
        <h4><strong>Needs vs. Wants</strong> </h4>
        <p>Have students compare "Needs" versus "Wants".</p>
        <p class="cta"><a href="more/facilitatorguide_ch2_lesson1.php">Check it out</a></p>
        
        <h4><strong>Picking a Bank</strong> </h4>
        <p>Learn how to select a bank through comparing and contrasting bank options.</p>
        <p class="cta"><a href="more/facilitatorguide_ch2_lesson3.php">Check it out</a></p>
        
        <h4><strong>Personal Spending Spreadsheet (Web Exclusive)</strong></h4>
      	<p>This activity helps students create their own personal spending plan.</p>
      	<p class="cta"><a href="more/facilitatorguide_ch2_techlesson.php">Check it out</a></p>
        
  		</div>
       </div>
    
	<div id="dig-out-of-debt">
    
			<div id="dig_out_of_debt_pane" class="scroll-pane">
            
              <h4><strong>Understanding a Credit Card Bill</strong> </h4>
              <p>Learn how to read and understand a credit card bill.</p>
              <p class="cta"><a href="more/facilitatorguide_ch3_lesson2.php">Check it out</a></p>
              
              <h4><strong>Debit vs. Credit Card</strong> </h4>
              <p>Analyze the differences between debit and credit cards.</p>
              <p class="cta"><a href="more/facilitatorguide_ch3_lesson3.php">Check it out</a></p>
              
              <h4><strong>Student Loans</strong> </h4>
              <p>Explore and research the many options of student loans.</p>
              <p class="cta"><a href="more/facilitatorguide_ch3_lesson4.php">Check it out</a></p>
              
              <h4><strong>Selecting a Credit Card Online (Web Exclusive)</strong></h4>
      		  <p>Learn how to select a credit card through comparing and contrasting card options.</p>
      		  <p class="cta"><a href="more/facilitatorguide_ch3_techlesson.php">Check it out</a></p>
              
            </div>
	</div>
    
    <div id="save-more-spend-less">
    	
    	<div id="save_more_spend_less_pane" class="scroll-pane">

          <h4><strong>Types of Savings</strong> </h4>
          <p>Research and explore the many types of savings.</p>
          <p class="cta"><a href="more/facilitatorguide_ch4a_lesson2.php">Check it out</a></p>
          
          <h4><strong>Planning for Retirement</strong> </h4>
          <p>Explore how and why you should begin planning for retirement.</p>
          <p class="cta"><a href="more/facilitatorguide_ch4b_lesson1.php">Check it out</a></p>
          
          <h4><strong>How Your Money Grows</strong> </h4>
          <p>Investigate how your money can grow on its own through compound interest.</p>
          <p class="cta"><a href="more/facilitatorguide_ch4b_lesson2.php">Check it out</a></p>
          
          <h4><strong>Career Choices (Web Exclusive)</strong></h4>
     	  <p>Investigate how an individual's career choice might affect their financial future.</p>
     	  <p class="cta"><a href="more/facilitatorguide_ch4a_techlesson.php">Check it out</a></p>
          
        </div>  	
    </div>
    
    <div id="insure-your-future">
    
	    <div id="insure_your_future_pane" class="scroll-pane">

          <h4><strong>Health Insurance Options</strong> </h4>
          <p>Explore the importance of health insurance.</p>
          <p class="cta"><a href="more/facilitatorguide_ch5_lesson1.php">Check it out</a></p>
          
          <h4><strong>Other Types of Insurance</strong> </h4>
          <p>Create a presentation which informs the class on a particular type of insurance.</p>
          <p class="cta"><a href="more/facilitatorguide_ch5_lesson2.php">Check it out</a></p>
          
          <h4><strong>Dependents and Insurance</strong> </h4>
          <p>Investigate how having a dependent increases the need for different types of insurance.</p>
          <p class="cta"><a href="more/facilitatorguide_ch5_lesson3.php">Check it out</a></p>
          
        </div>  
	</div>
    
    <div id="do-it-yourself">
    
		   <div id="do_it_yourself_pane" class="scroll-pane">

             <h4><strong>Where Does Your Paycheck Go?</strong> </h4>
             <p>Learn how to read a pay stub and what taxes are taken from your actual earnings.</p>
             <p class="cta"><a href="more/facilitatorguide_ch6_lesson1.php">Check it out</a></p>
             
             <h4><strong>Rewards and Challenges of Self-Employment</strong> </h4>
             <p>Analyze the rewards and challenges of self-employment.</p>
             <p class="cta"><a href="more/facilitatorguide_ch6_lesson2.php">Check it out</a></p>
             
             <h4><strong>Being Your Own Boss</strong> </h4>
             <p>Interview a local business owner to learn what it’s like being your own boss.</p>
             <p class="cta"><a href="more/facilitatorguide_ch6_lesson3.php">Check it out</a></p>
             
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        <h2>Facilitator's Guide</h2>
        
        <p>Get the YLYM lessons and activities (and more!) in one PDF document. (Web Exclusives not included.)</p>
        
        <p class="cta"><a href="pdf/YLYMFacilitatorsGuide.pdf" target="_blank" class="pdf">Check it Out</a></p>
        
        </div>
        
        
        
        <div id="educatorsyouth">
        
        <h2><i>Young Money</i></h2>
        
        <p>Browse compelling articles, financial info, and hands-on activities for young adults.</p>
        
        <p class="cta"><a href="pdf/YM_Fall09Issue.pdf" target="_blank" class="pdf">Check it Out</a></p>
        
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		<h2>Glossary</h2>

        <p>Browse this complete list of financial terms and vocabulary. It&rsquo;s the easiest way to talk dollars and cents in no time at all.</p>
        
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      <li class="bookend">[</li>
            <li><a href="glossary/a.php" class="add-content" id="glossinit">A</a></li>
            <li><a href="glossary/b.php" class="add-content">B</a></li>
            <li><a href="glossary/c.php" class="add-content">C</a></li>
            <li><a href="glossary/d.php" class="add-content">D</a></li>
            <li><a href="glossary/e.php" class="add-content">E</a></li>
            <li><a href="glossary/f.php" class="add-content">F</a></li>
            <li><a href="glossary/g.php" class="add-content">G</a></li>
            <li><a href="glossary/h.php" class="add-content">H</a></li>
            <li><a href="glossary/i.php" class="add-content">I</a></li>
            <li><b>J</b></li>
            <li><b>K</b></li>
            <li><a href="glossary/l.php" class="add-content">L</a></li>
            <li><a href="glossary/m.php" class="add-content">M</a></li>
            <li><b>N</b></li>
            <li><a href="glossary/o.php" class="add-content">O</a></li>
            <li><a href="glossary/p.php" class="add-content">P</a></li>
            <li><b>Q</b></li>
            <li><a href="glossary/r.php" class="add-content">R</a></li>
            <li><a href="glossary/s.php" class="add-content">S</a></li>
            <li><a href="glossary/t.php" class="add-content">T</a></li>
            <li><a href="glossary/u.php" class="add-content">U</a></li>
            <li><a href="glossary/v.php" class="add-content">V</a></li>
            <li><a href="glossary/w.php" class="add-content">W</a></li>
            <li><b>X</b></li>
            <li><b>Y</b></li>
            <li><b>Z</b></li>
            <li><a href="glossary/num.php" class="add-content">#</a></li>
            <li class="bookend">]</li>
         </ul>
        


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        <h2>Show Transcripts</h2>
        
        <p>Read through a complete transcript of <em>Your Life, Your Money</em> - and catch any financial tips that you might have missed.</p>
<p class="cta"><a href="pdf/YLYMtranscript.pdf" class="pdf" target="_blank">Check it Out</a></p>

        
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        <div id="educatorsnat">
        
        <h2>Organizations</h2>
        
        <p>Get the financial information you need from a variety of national organizations.</p>
        
        <p class="cta"><a href="more/organizations.php">Check it Out</a></p>

        
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