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$title = "Tools &amp; Resources - Your Life Your Money | PBS"; 
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$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";
$description = "Find the stuff you need to make smart decisions about your future. Browse a complete glossary of financial terms, classroom ideas for teachers, helpful links to money-related websites, quizzes, and calculators, and much more. Plus, watch clips from the show whenever you want. It’s all just a few clicks away.";

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  <img src="images/headings/heading_tools_resources.png" width="525" height="80" alt="Tools &amp; Resources - So, you want to get your financial life on track? You're in the right place!" class="trans" /> </div>
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  <div id="toolsintro" class="bbg trans">
    <p>Find what you need to make smart decisions about your future. Browse a complete glossary of financial terms, helpful links to money-related websites, quizzes, calculators, and much more.</p>
  </div>
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      <h2>Calculators</h2>
      <p>Spending, saving, and budgeting - use the right calculator for the right situation. </p>
      <p class="cta"><a href="more/calculators.php">Check it out</a></p>
    </div>
    <div id="toolsquiz">
      <h2>Quizzes</h2>
      <p>Test your financial smarts with some helpful and informative interactive quizzes.</p>
      <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/tools/quizzes" class="web" target="_blank">Check it out</a></p>
    </div>
  </div>
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  <div id="toolsglossary" class="container bbg trans">
    <h2>Glossary</h2>
    <p>Browse this complete list of financial terms and vocabulary. It's the easiest way to talk dollars and cents in no time at all.</p>
    <ul id="glossaryindex">
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            <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>
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            <li><a href="glossary/m.php" class="add-content">M</a></li>
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            <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>
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  <a name="weblinks"></a>
  <div id="toolsweblinks" class="container bbg trans">
    <h2>Web Links</h2>
    <p>Check out a variety of helpful websites, games, quizzes, and more - and make the most of your financial future.</p>
    <div id="tabs">
      <ul>
        <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="#digging-out-of-debt">Digging Out of Debt</a></li>
        <li><a href="#start-saving">Start Saving</a></li>
        <li><a href="#get-insured">Get Insured</a></li>
        <li><a href="#do-it-yourself">Do It Yourself</a></li>
        <li><a href="#general-resources">General Resources</a></li>
      </ul>
      <div id="make-it-and-keep-it">
        <div id="make_it_and_keep_it_pane" class="scroll-pane">
         
          <h4>Hip Hop Summit Action Network</h4>
          <p>Learn more about the Hip Hop Summit Action Network and its <em>Get Your Money Right</em> event. </p>
          <p class="cta"><a href="http://www.hsan.org/Content/Home.aspx?pageId=241" target="_blank" class="web">Check it out</a></p>
          
          <h4>Get Your Money Right</h4>
          <p>Check out the <em>Get Your Money Right</em> workbook for helpful tips and worksheets from the Hip Hop Summit Action Network.</p>
          <p class="cta"><a href="http://hsan.org/media/pdf/hsan_english.pdf" target="_blank" class="pdf">Check it out</a></p>
          
          <h4>Get Your Money Right &ndash; Spanish Edition</h4>
          <p>Check out the Spanish Edition of the <em>Get Your Money Right</em> workbook for helpful tips and worksheets from the Hip Hop Summit Action Network. </p>
          <p class="cta"><a href="http://hsan.org/media/pdf/hsan_spanish.pdf" target="_blank" class="pdf">Check it out</a></p>
       
        </div>
      </div>
      <div id="make-your-money-work">
        <div id="make_your_money_work_pane" class="scroll-pane">
         
          <h4>Financial Goals</h4>
          <p>Learn more about financial decisions, habits, bills, and savings from <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/plans/financial_goals" target="_blank" class="web">Check it out</a></p>
          
          <h4>Choosing the Right Bank</h4>
          <p>Find out everything you need to know about banks.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/money/managing_your_money/finding_a_bank" target="_blank" class="web">Check it out</a></p>
          
          <h4>Compare Rates</h4>
          <p>Find and compare interest rates on student loans, mortgages, credit cards, and more - all from Bankrate.com.</p>
          <p class="cta"><a href="http://www.bankrate.com/" target="_blank" class="web">Check it out</a></p>
          
          <h4>Debit Cards</h4>
          <p>Learn everything you need to know about debit cards.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/money/banking/using_checking/debit_cards.html" target="_blank" class="web">Check it out</a></p>
          
          <h4>Online Banking</h4>
          <p>Learn how to check your bank balance and pay your bills online from <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/money/banking/online_banking" target="_blank" class="web">Check it out</a></p>
          
          <h4>Make Your Budget Work</h4>
          <p>Learn how to make your budget work for you.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/money/managing_your/how_budget_works" target="_blank" class="web">Check it out</a></p>
          
          <h4>Cash or Credit Quiz</h4>
          <p>Take a quick quiz to figure out if you should use cash or credit.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/tools/quizzes/quiz1.html" target="_blank" class="web">Check it out</a></p>
          
          <h4>Tracking Your Checking Account</h4>
          <p>Practice keeping track of withdrawals, deposits, debit card transactions, and more with this fun, interactive checking account.</p>
          <p class="cta"><a href="http://www.themint.org/kids/tracking-your-checking-account.html" target="_blank" class="web">Check it out</a></p>
          
          <h4>Determining Your Budget</h4>
          <p>Enter your annual salary and your monthly expenses to determine what your budget should be.</p>
          <p class="cta"><a href="http://www.themint.org/kids/determining-your-budget.html" target="_blank" class="web">Check it out</a></p>
          
          <h4>Getting Fiscally Fit</h4>
          <p>Learn how to manage your personal money with helpful worksheets and effective financial strategies.</p>
          <p class="cta"><a href="http://www.smartaboutmoney.org/LinkClick.aspx?fileticket=RBYaH0hIw7E=&amp;tabid=442&amp;mid=832" target="_blank" class="web">Check it out</a></p>
          
          <h4>Get Money Wise</h4>
          <p>Download some helpful worksheets on how to save money easier and spend it wiser.</p>
          <p class="cta"><a href="http://www.smartaboutmoney.org/LinkClick.aspx?fileticket=Vxnjl/qEvQo=&amp;tabid=442&amp;mid=832" target="_blank" class="web">Check it out</a></p>
       
        </div>
      </div>
      <div id="digging-out-of-debt">
        <div id="digging_out_of_debt_pane" class="scroll-pane">
          
          <h4>Using Credit Cards</h4>
          <p>Learn how to be careful, know your limit, and qualify for credit cards.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/money/managing_your_money/using_credit_cards" target="_blank" class="web">Check it out </a></p>
          
          <h4>Credit History and Reports</h4>
          <p>Learn what a credit score is and why it changes.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/money/managing_your_money/credit_history_and_reports" target="_blank" class="web">Check it out </a></p>
          
          <h4>Student Loans</h4>
          <p>Learn about the different types of student loans and the repayment options.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/life/education/student_loans.html" target="_blank" class="web">Check it out </a></p>
          
          <h4>Credit Cards</h4>
          <p>Make sure you choose the right credit card and use it smartly with <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/credit/using_credit/credit_cards" target="_blank" class="web">Check it out </a></p>
          
          <h4>Loan Sources</h4>
          <p>Find out everything you need to know about applying for a loan.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/credit/using_credit/loan_sources" target="_blank" class="web">Check it out </a></p>
         
          <h4>Coping with Debt</h4>
          <p>Find the debt help you need, right when you need it.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/credit/credit_history/coping_with_debt" target="_blank" class="web">Check it out </a></p>
          
          <h4>Do You Have a Debt Problem?</h4>
          <p>Take the <i>Your Money Counts&reg;</i> quiz to see if you have a problem with credit.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/tools/quizzes/quiz2.html" target="_blank" class="web">Check it out </a></p>
         
          <h4>What is Your Credit Card IQ?</h4>
          <p>Find out how many details you know about those little, handy pieces of plastic.</p>
          <p class="cta"><a href="http://www.themint.org/kids/what-is-your-credit-card-iq.html" target="_blank" class="web">Check it out </a></p>
          
          <h4>Owing Money</h4>
          <p>Learn more about credit card debt, short-term interest rates, and loan repayment plans.</p>
          <p class="cta"><a href="http://www.themint.org/kids/owing.html" target="_blank" class="web">Check it out </a></p>
          
          <h4>National Foundation for Credit Counseling</h4>
          <p>Find a Certified Consumer Credit Counselor in your area and get the personal assistance you need.</p>
          <p class="cta"><a href="http://www.debtadvice.org/takethefirststep/locator.cfm" target="_blank" class="web">Check it out </a></p>
         
          <h4>Manage Your Credit Cards like a Pro</h4>
          <p>Follow this 4-step plan to help you find the cheapest fees, lowest rates, and most valuable perks.</p>
          <p class="cta"><a href="http://credit-cards.interest.com/credit-cards/choose_best_credit_card.html" target="_blank" class="web">Check it out </a></p>
         
          <h4>Student Credit Card Comparison</h4>
          <p>See how easy it is to find, compare, and apply for a credit card with this easy process.</p>
          <p class="cta"><a href="http://rates.interest.com/icom/rate/creditcard/cc_ratehome.asp?classificationuid=4&amp;childcategoryid=111&amp;childcategory=Student%20Cards&amp;classtypeuid=1&amp;classtypedesc=Card%20Type&amp;ec_id=" target="_blank" class="web">Check it out </a></p>
         
          <h4>Choosing the Right Credit Card</h4>
          <p>Learn everything you need to know about choosing the right credit card for right now.</p>
          <p class="cta"><a href="http://www.federalreserve.gov/pubs/shop/default.htm" target="_blank" class="web">Check it out </a></p>
          
          <h4>Annual Credit Report</h4>
          <p>Make sure you get a free credit report at least once a year - quickly, easily, and securely.</p>
          <p class="cta"><a href="http://www.annualcreditreport.com" target="_blank" class="web">Check it out </a></p>
      
        </div>
      </div>
      <div id="start-saving">
        <div id="start_saving_pane" class="scroll-pane">
          
          <h4>The Importance of Saving</h4>
          <p>Learn more about saving money for your future.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/plans/financial_goals/saving" target="_blank" class="web">Check it out </a></p>
          
          <h4>66 Ways to Save Money</h4>
          <p>Find out everything you need to know about saving money with some helpful tips and tricks.</p>
          <p class="cta"><a href="http://www.smartaboutmoney.org/LinkClick.aspx?fileticket=%2bSz%2ffcYCvSs%3d&amp;tabid=442&amp;mid=832" target="_blank" class="web">Check it out </a></p>
          
          <h4>About Savings Accounts</h4>
          <p>Make sure you compare fees, perks, and interest rates before you open a savings account.</p>
          <p class="cta"><a href="http://www.themint.org/kids/about-savings-accounts.html" target="_blank" class="web">Check it out </a></p>
       
          <h4>Saving &amp; Earning Interest</h4>
          <p>Find out how compound interest works and see how banks will pay you for the money you deposit.</p>
          <p class="cta"><a href="http://www.themint.org/kids/saving-and-earning-interest.html" target="_blank" class="web">Check it out </a></p>
        
          <h4>Investing Basics</h4>
          <p>Learn how to build your portfolio and why you should invest at an early age from <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/money/investing_basics" target="_blank" class="web">Check it out </a></p>
       
          <h4>Financial Fitness for Life</h4>
          <p>See how a steady investment plan can result in some big savings with this interactive quiz.</p>
          <p class="cta"><a href="http://fffl.ncee.net/activities/9-12/9-12.htm" target="_blank" class="web">Check it out </a></p>
      
          <h4>Choosing a Career Path</h4>
          <p>Learn about the connection between your education and your income.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/life/education/choosing_career_path.html" target="_blank" class="web">Check it out </a></p>
    
          <h4>Retirement Planning</h4>
          <p>Learn about the steps you need to take in order to retire in comfort.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/goals/retirement_planning" target="_blank" class="web">Check it out </a></p>
      
          <h4>Financial Future Challenge</h4>
          <p>Make sure you're ready to build a solid financial future with this fun, interactive challenge.</p>
          <p class="cta"><a href="http://www.themint.org/parents/financial-future-challenge.html" target="_blank" class="web">Check it out</a></p>
       
          <h4>Things to Know About Your 401k</h4>
          <p>Find out everything you need to know about your investing and diversifying your 401k accounts.</p>
          <p class="cta"><a href="http://money.cnn.com/magazines/moneymag/money101/lesson23/index.htm" target="_blank" class="web">Check it out </a></p>
       
          <h4>Countdown to Retirement Game</h4>
          <p>Play a fun game to see if you'll retire in the lap of luxury or work until your dying day.</p>
          <p class="cta"><a href="http://www.practicalmoneyskills.com/english/flash/countdown/countdown.html" target="_blank" class="web">Check it out </a></p>
       
        </div>
      </div>
      <div id="get-insured">
        <div id="get_insured_pane" class="scroll-pane">
        
          <h4>Insurance Options</h4>
          <p>Learn all you need to know about different types of insurance from <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/planning/insurance" target="_blank" class="web">Check it out </a></p>
         
          <h4>Safeguarding Your Money</h4>
          <p>See what types of insurance will help you best overcome unexpected financial losses.</p>
          <p class="cta"><a href="http://www.themint.org/kids/safeguarding.html" target="_blank" class="web">Check it out </a></p>
         
          <h4>Top Things to Know About Health Insurance</h4>
          <p>Find out everything you need to know about the health insurance plans that are right for you.</p>
          <p class="cta"><a href="http://money.cnn.com/magazines/moneymag/money101/lesson16/index.htm" target="_blank" class="web">Check it out </a></p>
       
          <h4>Top Things to Know About Home Insurance</h4>
          <p>Find out everything you need to know about the home insurance plans that are right for you.</p>
          <p class="cta"><a href="http://money.cnn.com/magazines/moneymag/money101/lesson19/index.htm" target="_blank" class="web">Check it out </a></p>
       
          <h4>Top Things to Know About Life Insurance</h4>
          <p>Find out everything you need to know about the life insurance plans that are right for you.</p>
          <p class="cta"><a href="http://money.cnn.com/magazines/moneymag/money101/lesson20/index.htm" target="_blank" class="web">Check it out </a></p>
       
          <h4>How Much Life Insurance Do I Need?</h4>
          <p>See how much life insurance you should have with the easy, interactive calculator.</p>
          <p class="cta"><a href="http://partners.leadfusion.com/tools/kiplinger/lifeins01/tool.fcs" target="_blank" class="web">Check it out </a></p>
      
          <h4>Top Things to Know About Auto Insurance</h4>
          <p>Find out everything you need to know about the auto insurance plans that are right for you.</p>
          <p class="cta"><a href="http://money.cnn.com/magazines/moneymag/money101/lesson22/index.htm" target="_blank" class="web">Check it out </a></p>
       
          <h4>A Working Woman's Guide to Financial Security</h4>
          <p>Learn everything you need to know about organizing, planning, and taking control of your finances.</p>
          <p class="cta"><a href="http://urbanext.illinois.edu/ww1/section1.html" target="_blank" class="web">Check it out </a></p>
      
        </div>
      </div>
      <div id="do-it-yourself">
        <div id="do_it_yourself_pane" class="scroll-pane">
        
          <h4>Small Business Owners</h4>
          <p>Learn more about the thought and planning that goes into starting a small business.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/planning/small_business_owners" target="_blank" class="web">Check it out </a></p>
         
          <h4>The Entrepreneur Challenge</h4>
          <p>Take on this set of fun questions to see if you have what it takes to start your own business.</p>
          <p class="cta"><a href="http://www.themint.org/kids/entrepreneur-challenge.html" target="_blank" class="web">Check it out </a></p>
       
          <h4>Plan with a Professional</h4>
          <p>Learn how a trained professional can help you make the right financial decisions.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/planning/financial/planning_professional.html" target="_blank" class="web">Check it out </a></p>
       
          <h4>Choosing a Financial Advisor</h4>
          <p>Here are nine important questions to ask before you hire a personal finance advisor.</p>
          <p class="cta"><a href="http://www.entrepreneur.com/money/moneymanagement/article169898.html" target="_blank" class="web">Check it out </a></p>
      
          <h4>How Taxes Work</h4>
          <p>Learn how to withhold your income and file your return from <i>Your Money Counts&reg;</i>.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/yfc/money/taxes/how_taxes_work" target="_blank" class="web">Check it out </a></p>
        
          <h4>Decoding Your Paycheck</h4>
          <p>Take a look at a sample paycheck to see how taxes, deductions, and contributions are handled.</p>
          <p class="cta"><a href="http://www.themint.org/kids/decoding-your-paycheck.html" target="_blank" class="web">Check it out </a></p>
        
          <h4>What Is FICA and Why Is It Taking My Money?</h4>
          <p>See how some of your wages actually go to pay a variety of taxes, including the Federal Insurance Contribution Act.</p>
          <p class="cta"><a href="http://www.younginvestor.com/teens/earnIt/articleWhatIsFICA.asp" target="_blank" class="web">Check it out </a></p>
       
        </div>
      </div>
      <div id="general-resources">
        <div id="general_resources_pane" class="scroll-pane">
         
          <h4>Your Money Counts&reg;</h4>
          <p>Browse <i>Your Money Counts&reg;</i> and improve your financial education - brought to you by HSBC Bank.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc" target="_blank" class="web">Check it out </a></p>
       
          <h4>Your Future Counts</h4>
          <p>Browse <i>Your Future Counts</i> – help for young adults to start making smart financial choices - brought to you by HSBC Bank.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc" target="_blank" class="web">Check it out</a></p>
      
          <h4>Helpful Calculators</h4>
          <p>Find the right calculator for the right situation - whether you're spending, saving, or budgeting.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/tools/calculators" target="_blank" class="web">Check it out</a></p>
       
          <h4>Online Course</h4>
          <p>Learn more about planning for your financial future with a free online course from HSBC Bank.</p>
          <p class="cta"><a href="http://www.yourmoneycounts.com/ymc/learn_online/Banking/" target="_blank" class="web">Check it out </a></p>
      
          <h4>Young Money Magazine</h4>
          <p>Read the latest headlines and hottest articles in this financial magazine for young adults.</p>
          <p class="cta"><a href="http://www.youngmoney.com/" target="_blank" class="web">Check it out </a></p>
       
          <h4>American Consumer Credit Counseling</h4>
          <p>Consult a credit-counseling professional and regain control of your personal finances.</p>
          <p class="cta"><a href="http://www.consumercredit.com/index.html" target="_blank" class="web">Check it out </a></p>
       
          <h4>National Foundation for Credit Counseling</h4>
          <p>Learn financially responsible behavior and get a high quality financial education and counseling services.</p>
          <p class="cta"><a href="http://www.nfcc.org/" target="_blank" class="web">Check it out </a></p>
      
          <h4>Get a Financial Life</h4>
          <p>Get helpful advice and financial tips from Beth Kobliner, a financial expert for <em>Your Life, Your Money</em>.</p>
          <p class="cta"><a href="http://www.bethkobliner.com/home/" target="_blank" class="web">Check it out </a></p>
      
          <h4>The Mint</h4>
          <p>Browse quizzes for students, tips for parents, entertaining lesson plans for teachers, and more.</p>
          <p class="cta"><a href="http://www.themint.org/index.html" target="_blank" class="web">Check it out </a></p>
      
          <h4>Hands on Banking</h4>
          <p>Get helpful tips on how to make the most of your money with this online program for young adults.</p>
          <p class="cta"><a href="http://www.handsonbanking.org/htdocs/en/y/" target="_blank" class="web">Check it out </a></p>
       
          <h4>40 Money Management Tips</h4>
          <p>Take a look through these useful financial tips that every college student should know.</p>
          <p class="cta"><a href="http://www.smartaboutmoney.org/LinkClick.aspx?fileticket=cs2ZByoBLzo=&amp;tabid=442&amp;mid=832" target="_blank" class="web">Check it out </a></p>
       
          <h4>Yahoo! Finance How-To Guides</h4>
          <p>Browse a variety of Yahoo! Finance How-to Guides for step-by-step financial planning information.</p>
          <p class="cta"><a href="http://finance.yahoo.com/how-to-guide/banking-budgeting/29245" target="_blank" class="web">Check it out </a></p>
    
          <h4>Finance Calculators</h4>
          <p>Watch videos, play games, and get the financial information you need.</p>
          <p class="cta"><a href="http://calculators.interest.com/" target="_blank" class="web">Check it out </a></p>
     
          <h4>Money Talks</h4>
          <p>Watch videos, play games, and get the financial information you need as a growing teen.</p>
          <p class="cta"><a href="http://moneytalks4teens.ucdavis.edu/index.cfm" target="_blank" class="web">Check it out </a></p>
     
          <h4>How Do Student Loans Work?</h4>
          <p>See how the two main types of student loans may help you pay for your college tuition.</p>
          <p class="cta"><a href="http://www.younginvestor.com/teens/planIt/articleStudentLoans.asp" target="_blank" class="web">Check it out </a></p>
     
          <h4>360 Degrees of Financial Literacy</h4>
          <p>Take a look at some financial literacy tools and articles designed for college students.</p>
          <p class="cta"><a href="http://www.360financialliteracy.org/Life+Stages/College/" target="_blank" class="web">Check it out </a></p>
       
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      <h3>Facilitator's Guide</h3>
      <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>
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      <h3><i>Young Money</i></h3>
      <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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      <h3>Organizations</h3>
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