Smart Money Counts - High School

"I would recommend this program to others because it opened my eyes and made me more aware of the dangers a poor financial plan can bring upon one’s future. The instructor was very intuitive and instructive teacher that had an excellent grasp on how finance worked so the day was more informative. I learned how to use a decision-making grid that allows me to choose the most optimal option or purchase in a financial dilemma. By using this information, I can gain many reliable assets and prevent a great amount of debt from falling on top of me. As a result I will start saving more instead of spending most of my money." – Kobe

"I am happy with what I learned I think it will improve my life. I learned a lot. I learned about financial literacy, including advertising, sending, savings, debit, credit, loans, interest, compounding and more. Using this information I will be successful and not have any debt. I will save my money and not get a credit card. I recommend this program to others because it can give you financial literacy and keep you out of debt." – Emily

"Skills that I learned were the difference of credit cards and debit cards, to not get a loan that you can’t afford to pay off, and everything about credit. The best thing that can happen using this information is to use credit responsibly! I absolutely recommend this class because everyone should know and learn those things." – Meghan

"In this class I learned how to save money, how to make smart financial choices and how to teach others. As a result, I can live Free with good retirement money and good savings. I’m going to open a savings account. I will recommend this program to others because I think anyone and everyone could benefit from learning this." – Sidney

"The best thing that can happen if I use the information from this program is that you do not die in debt, and hopefully live debt free for life. As a result, I run away from credit cards. I recommend this class as it teaches valuable lessons." – Ian

"I recommend this program to others, it teaches a lot of very important information. The best things that can happen using this information is to have a sound financial future." – Zachary

"As a result of this program, I won’t get into debt. I recommend taking this class to others." – Michael

"This course [Smart Money Counts] covered a lot of material and is very applicable to teens. It taught me to be more aware about financial literacy. I learned many new terms regarding finance such as assets, collateral, RFID, etc. We covered a lot in a day and I liked that we watched videos on what we were learning. I learned how to manage a budget, to have a good credit score, RFID is very common and is bad. As a result of this program, I will put more money into my savings account. I will buy only what I need and I will teach people what I learned in this class. I definitely would recommend this program, because it opened my eyes up to the world of finance and taught me much of what I should be aware of when dealing with money and finance." – Gabriella

“I enjoyed Smart Money Counts. It taught me about how to handle my money when I get a steady job. It taught me about checks, bank accounts, and credit cards. I learned to make sure never to be late for a payment. As a result of this program, I will be more conscious on how to handle my money for the better. I will be more careful with what I do with money. I will recommend this class to my friends because this course teaches you life skills and you don’t want to find out how banks loans etc, work after the 1st or 2nd mistake. You need to know this stuff beforehand.” - Joseph

“This program [Smart Money Counts] was excellent. I really liked the teacher because we learned a lot and still were able to chat. I came out of the class everyday with new knowledge. This program has made me more aware of the world of finance. I was constantly reminded of the importance of saving to be aware of interest rates because they inundate you with more expenses. As a result of this class I will hopefully make a budget, check how much money is in my savings account, share what I learned with family and friends, not take out more money that I can’t pay back, do research myself and not do what everyone is doing, and make educated decisions. I will recommend this class to my friends because it has opened my eyes and exposed me to the real world and the reality people face today. Also it is better to start young when people are starting to be independent.” – Daniella

Smart Money Counts was excellent. I learned a lot about when I’m going to need to know in the future to function as an independent adult. I learned how to calculate APR, financial charge, etc. how to fill out checks and financial forms, how to raise one’s credit score. The class also taught me how to manage my financial options, how to make educated financial decisions, how to avoid debt and paying high interest and about linear economy, etc. As a result of this program, I will start saving as soon as possible, partake in financial activities with my parents, personally manage  and track my own money and accounts, ask for advice before making large investments. I will recommend this program to my friends because it teaches the basics of what everyone needs to know about managing their own finances as an adult.” – Ethan

“This class [Smart Money Counts] was very informative and will be very helpful in making decisions. I learned a lot – it taught me how to plan ahead and compare the opportunity costs to choose the best options for a happy future, a method for making decisions, how to compare benefits to opportunity costs and how to calculate APR. As a result, I will make better monetary decisions and be better equipped to enter the workforce. I will recommend this course to my friends because it seems very useful for securing financial stability.” - Daniel

“This program [Smart Money Counts] taught me how to manage my money better. I learned about credit fraud, and how to write checks. As a result I will be smart with my money and how to use it. I would recommend it to my friends because I learned a lot of useful information.” – Courtney

“Smart Money Counts was very helpful. I now fully understand the value of money. I learned about credit, managing my budget and controlling debt. I learned a lot about money and how to manage it. As a result I will not spend my money carelessly. I recommend this program to my friends so that they don’t get into problems and debt.” - Pranav

“This program [Smart Money Counts] taught me how to handle money and how to map a future full of financial success. I learned about how to calculate APR, how credit works, and interest on credit cards. As a result I will start saving money as soon as I have an income. I will recommend this class to my friends because it taught me valuable lessons on how to handle money in the future.” - Jackson

“Smart Money Counts was excellent. It taught me how to manage my money and be more responsible with it. As a result I will be very responsible with my money and make better decisions with payments. I will recommend this program to my friends because everyone should know how to manage their money at a young age.” – Cibone

“I really liked this course [Smart Money Counts], it taught me the important things to do with money in the future. As a result I will be more informed about what to do in the future with money. I learned about credit, how to write checks, fixed and variable expenses. I will recommend this class to my friends because it will help them out in their future.” – Brandon

“Smart Money Counts taught me how to manage my money better. It taught me about 401K, how to save and how to manage my money.” – Bret

“Smart Money Counts was an excellent program. I learned about APR, credit score, loans. As a result, I will be smarter with my money. I will recommend it to my friends because it is useful.” – Janet

Smart Money for Savvy Teens - High School

"In this class I learned about different investments and the stock market, how to manage my money and how to make my money grow in the stock market. With this information I will start saving and will invest to make my money grow. As a result of this program I am able to look at stocks more effectively and manage my money a lot better. I recommend this program to everyone since it teaches skills that everyone needs to have. " – Nicholas

"This class offered lots of helpful tips, I loved the book. I learned about different investments, how to save, invest and not gamble, how to diversify a portfolio, and plan for a financially stable retirement. As a result, I will be more proactive with my financial future. I recommend this program to others, since it helps you learn about money and what to do with it. " - Cecilia

"This program was really helpful. I really enjoyed learning about finance and different investments. I enjoyed every day of the class. It taught me how to take charge of my money, how to take advantage of different investments, the stock market and how to read the data on the websites. As a result, of this class, I will start to look at stock market and I will be able to understand it. I recommend this program to everyone. If helps people to understand finance which is great for their financial future. " - Maximillian

"This is an excellent and necessary program that is very useful for your life. The teacher was excellent, willing to answer all of the questions necessary, so that students fully understood everything. At this class, I learned how to buy and invest in stocks, bonds and mutual funds. What are good deals, how to analyze the market and the ratings, a lot of financial definitions, how to run a successful business and the importance of saving and knowing where to put your money. Using this information enables me to be a very successful woman and to have an excellent and comfortable lifestyle and retirement. As a result, I will begin to analyze the market's statistics before deciding to invest on any company, choose a very good retirement fund, and make intelligent and thoughtful decisions for my finances. I recommend this program to others because I think that learning about the financial world is extremely important decision for someone's future, lifestyle and no money worries. This will prevent you from many terrible decisions. " – Alejandra

"In this class, I learned how, when, where to invest and save money to get a higher return, how to diversify, and how to read the financial pages. This was a really good program. The pace of the class was good and easy to understand. I enjoyed learning about how to invest my money. With this information, I can make intelligent decision on how to save my money as well as spend it. As a result, I will most likely start to invest in stocks/mutual funds because I learned that you get a higher return doing that than keeping your money in a bank. I recommend this course to others. It is very helpful and now I am more confident about utilizing my money. " – Sophia

"In this program, I learned financial skills that will be extremely helpful in the future with investing in stocks and being smart about my money. What I learned in this class will help me to earn an above average return in investing in stocks. As a result of this class, I won't be afraid of investing in stocks now that I understand it. I would recommend this class to everyone, it could save people from making foolish mistakes when investing which could lead to bankruptcy. " - Selina

"I learned how to smartly save, manage and invest money in order to be financially successful in the future. As a result, I will be financially successful and will not have to worry about being in debt. I will start saving any money, I earn/receive and then I will diversify my portfolio by investing in stocks, bonds, mutual funds, etc. I recommend this class to everyone, because I gained a lot of valuable and practical information in this program that will be of use to me in the future." - Reethi

"The teacher was great! In this program I learned how to create a balanced portfolio and am much more comfortable having more knowledge on how to save. I recommend this class to others because you gain years worth of knowledge in just five days. As a result, I won’t put all eggs in one basket, start saving as soon as possible and invest my money for my future." - Lilly

"This class almost changed my life. It taught me how to diversify, the proper way to use bonds, and tips for investing in stocks. Literally everything I learned this week, I plan on using until I die. I recommend this class because it can stop you from making silly financial mistakes." - Aryanna

"I learned that bonds affect the market and what to look for in stocks. I recommend this class to others because it is very important to become financially literate." - Michael

"In this class I learned how to evaluate stocks, see analysts opinions, how to evaluate bonds and how to diversify. I can start investing and become successful. I will invest in stocks and bonds. I recommend this class to others because it taught me a lot." - Sam

"This class taught me how to invest, how banks and loans work, working of the market and how dividends work. As a result I will be more likely to become financially secure with a broad portfolio and a secure life. I recommend this class because the teacher is helpful and indulgent of scheming to make money." - Ian

"I learned where and how to allocate money in effective ways. I will invest in stocks, and bonds. I recommend this class to others because I want them to know these skills and want them to succeed but I don’t want others to do better than me." - Thabiso

"This program taught me how to invest money in stocks and bonds, how to save starting in an early age and how to evaluate stocks. As a result, I can make a lot of money, and invest/save it. I will start examining and evaluating stocks. I recommend this class to others it can help you later on in life." - Linda

"I gained information about how to succeed in investing in stocks/bonds. As a result, I will start saving up early. I recommend this to others because knowing this material will give you a higher chance of making more money" - Fiorella

" Smart Money for Savvy Teens was excellent. It was a very informational and beneficial class. I learned a lot about how the stock market works and how to start saving and look for investments that fit me and my criteria. This program taught me a lot of important things that will help me in my financial future. This important thing would be to save. As a result of this program, I will start saving and researching on what types of investments I want to make. I would recommend this program to all my friends because I think it's very beneficial to have all this information at hand. " - Libby

" Smart Money for Savvy Teens was excellent. I liked using the computer to look up stocks. It taught me about CDs, money managers take most of the profits of mutual funds, everyone should have an index fund, and that investors can be penalized for redeeming CDs early. As a result of this program I will find a stock and/or bond fund to invest in. I will recommend this program to my friends because it is important for everyone to be fiscally responsible and know how to invest properly. " - Sierra

" This program [Smart Money Savvy Teen] was excellent. It was fun and I learned a lot. I learned how to save, about different types of investments and what to avoid in investing. As a result I will save wisely. I will recommend this class to my friends because Money helps. Don't go bankrupt! " - Aidan

" Smart Money for Savvy Teens taught me how and why people buy and sell stocks, the advantages and disadvantages of owning stocks, how to find stock symbols, NAV, YTD return, 52 week hi and low, 5 yr. average return and how to read stock tables. As a result I will start saving more money more often. I will recommend this class to my friends because it's very helpful. " - Jada

" Smart Money for Savvy Teens was excellent. It taught me about mutual funds, index funds, bonds, and everything about investing in the market. As a result I will do more research and possibly open a custodial account. I will recommend it to my friends because it teaches you about investing and stocks. " - Eugene

" This program [Smart Money for Savvy Teens] taught me the fundamentals and basics of investing. Now I am more familiar with terms and know how to look up stocks and research them. As a result of this class I will hopefully invest. I will recommend this class to my friends this is super important to know b/c putting $$$ in a savings account in not enough b/c the interest is minimal. I learned about index funds, to do homework in order to get the best deal (don't rely on other people like your friends necessarily, b/c it needs to be good for you and how to look up stocks online. " - Daniella

" This program [Smart Money for Savvy Teens] taught me about the stock market and how to approach investing, about money markets and mutual funds. As a result, I will probably start looking into stocks/bonds/and other financial endeavors. I will recommend this class to my friends because I feel it gives a good broad understanding of stocks and investing." - Daniel

" Smart Money for Savvy Teens taught me how to budget, at what age to start buy a stock and basically save my money early on so I'm not in debt. As a result I will pay attention to how I spend my money and what I spend it on. I will recommend it to my friends because it helps you a lot." - Bryana

" This program [Smart Money for Savvy Teens] taught me what different investment options are for me and what they offer. It taught me how to understand information online, how the stock market works, and how a balanced portfolio is important. As a result I will save and invest wisely. I will also be more cautious with my money. I will recommend this class to my friends because it teaches students important knowledge." - Joseph

" Smart Money for Savvy Teens taught me about the stock market, bonds, brokerage firms, mutual funds and how to be financially secure for the future. As a result I will SAVE! And start investing when I am young. Be more aware regarding my money and where to put it. I will recommend this class because it makes you more aware of the stock market and how to handle your money. " - Gabriella

"Smart Money for Savvy Teens was excellent, fun and very interesting. It taught me how to spend my money effectively, how to make better decisions regarding investing, the dangers of credit cards, stock/bonds, and loans. As a result, I will save my money more wisely. Find a place to invest my money, and avoid credit cards. I will recommend this class to my friends because it teaches you about smart money spending and it opens your eyes about the dangers that come with uncontrollable spending. It is a must for every teen because money management is not enforced in our day to day lives." – Lina

"This class [SMST] was excellent! It taught me how to avoid credit card debt and ways to save and expand my money, to pay myself first before I spend. As a result of this program I will start putting money in my savings account as soon as I get it. I will recommend this program to my friends because they need to learn how to save their money because I don’t want to teach them. " – Isabel

"Smart Money for Savvy Teens was excellent. I will recommend it to my friends." – Matthew

"This program [SMST] taught me how to save wisely and how to make profit in an ever-changing economy. As a result of this program, I will invest my money and spend wisely. I will recommend the class to my friends." – Amira

"SMST taught me how to diversify my portfolio, how to look for higher rates of returns and to stay far away from credit card debt. As a result, I will take some of my saved money and experiment in investing. I will recommend this class to my friends, because none of these explanations are given in school and many parents are clueless." – Alex

"Smart Money for Savvy Teens taught me how to save my money in different investments, and to stay away from credit cards if I can. This class also taught me how to make decisions regarding other investments. As a result of taking this class I will pick stocks that benefit me and get as much information about my bank as possible. I will recommend this program to my friends because this class helps a lot when it comes to savings your money and using it responsibly." – Morgan

"SMST was excellent. It taught me about short-term, intermediate and long-term goals. I have also learned how save, invest and spend wisely. I will probably come back for part II. I will recommend this program to my friends because I feel that all we care about is spending but not know how to save in order to spend so yes, I recommend this class to my friends." – Jalen

"Smart Money for Savvy Teens was excellent. It taught me about credit card traps, how to read the stock pages and charts, about various types of investments, how to understand my dad when he’s talking about mutual funds, how to understand whether or not I had a good deal on the stocks I bought. As a result of this program, I will invest more money in the stock market. I will buy some bonds and get a certificate of deposit. I will recommend this class to my friends so they can understand more about the stock market and about money." – Zoe

"This program [SMST] was excellent. It taught me different ways to save and gain more interest on my money and ways to stay away from debt, bonds, CDs and other vehicles and give interest. As a result, I will open a two year CD. My Mom is so impressed that she is giving me money to buy stocks. I will definitely recommend this class to my friends because we tend to spend too much money when we get it instead of saving." – Ebun

"Smart Money for Savvy Teens taught me about stocks, mutual funds, bonds and savings. I also learned about the dangers of credit card abuse. As a result, I will begin investing and saving. I will be more money savvy. I will recommend this class to my friends because it exposes you to the world of finance and make you realize that your financial life starts now." – Maximillian

"I learned a lot in this class [SMST]. It taught me what many different kinds of investment plans and when to invest in which one. I also learned about debt and the dangers of credit cards. As a result, I will practice investing and saving my money in different types of plans. I will recommend this class to my friends." – Jessica

"I learned a lot in the short 5 days of attendance in Smart Money for Savvy Teens. I learned something new every day. I learned how to handle my finances in everyday life, how to stay away from debt, how to understand the stock market, how to save money to make money. As a result of this class I will be able to understand what to do with my money. This program made me aware of how much of a problem debt is in our society. I will recommend this class to my friends because they are going to go away to college in a couple of years and need to know especially what credit cards can do to them and how much credit card debt can impact their future." – Nikhil

"This program [SMST] how to make good financial decisions. It also taught more about ways to make my money grow and save my money. As a result, I will try to stay away from credit cards, save more and look for good investments. I will recommend this class to my friends because kids my age usually don’t make good money decisions." – Jose

"Smart Money for Savvy Teens taught me work on savings and retirement, avoid credit cards and pay them off, limit debt, save more and spend less. As a result, I will make sure to save as much as I can and plan for savings and retirement early. I will also make sure to pay off any credit cards that I may get. I will recommend this program to my friends because many people do not have basic financial knowledge and end up in debt." – Benjamin

"This class [SMST] was excellent. It gave me a broader understanding of stock trade and the new concept of bonds, what to ask your broker/banker, where to find best interest rates. As a result, I will look into purchasing bonds to get a larger interest rate. I will recommend this class to my friends." – Darren

"This program really taught me how you can use your money wisely. I learned new things every day. It taught me to realize how to spend my money. I learned that credit cards might seem great, but that they can put you in a severe hole. You have to let your money “roll” in the storm mark point, no matter if it’s good or bad. As a result of this program, I will better prepare myself for the future and will try to persuade my parents to give me a little money in order to try out the stock market. I will recommend this class to my friends, because it gives you a head start on the marketing world. It helped me to realize how people get so far in debt. It prepares you and gives you tips on how to help your money skills. I have no suggestions because I thought that kids were very smart as well as the teacher, unlike the camp I went to at HCC." – Daniel

"Smart Money for Savvy Teens was very informative, provided knowledge not easily obtained anywhere else. The lectures were broken up with interesting videos and break-times. I learned that money management is a vital skill to success and that debt is a huge issue in America and can be avoided by being responsible with things like credit cards and loans. Investing is an excellent way to make your money work for you. It taught me the basics of finance and money management. I learned how to avoid debt and make the most of my earnings. As a result of this class, I feel much more comfortable with earning and managing my own money. I will recommend this program to my friends because it provides you with valuable information that is not available in a normal school." – Max

"This program taught me how to save, to pay myself first, about investments and the stock market. I will try to get an even better understanding of finance and use it in the future. I will recommend this program to my friends because it is useful knowledge that is beneficial to know at an early age for when you are an adult. This program was beneficial for me and my future." – Eshani

"This program taught me all about stocks, savings, bonds, mutual funds, and the importance of being money savvy. It was fun and educational. As a result of this program, I will never use a credit card if the money is not available. I will recommend this program to my friends because I learned valuable information. The program was perfect." – Rachel

"This program taught me different investment opportunities, how to read financial charts, how shares of stock get their price, and what a mutual fund is. I learned not to use a credit card very often, it at all. I will recommend this program to my friends because so many of them are terrible with money." – Zachary

"Smart Money for Savvy Teens was a great program with an awesome teacher. It taught me how to save money and where to put it smartly to gain money. It also taught me about stocks, about the stock exchange, different investment strategies and how to control credit. I’ve learned to use a CD maybe to look into stocks for the future. I will recommend this program to my friends, so that they can also learn what I learned, which is very important. The program was basically perfect." – Calvin

"The program taught me how to be financially stable in my future and the pros and cons of investing. I really enjoyed and learned money skills from this class. It was very informing and fun. I learned about savings ideas, how to stay away from debt, investing in stocks, bonds and mutual funds. By taking this class, I will start taking my money more seriously and take the skills I have learned in this class and apply them to my life. I will recommend this class to my friends because it will help them be more thoughtful and conservative with their money. I think this class was excellent and well put together.;" – Soha

"Smart Money for Savvy Teens, taught me the essentials for savings and investing in and after my teens years. As a result of attending this program, I will look for different savings and investing opportunities out there to begin saving for my future. I will definitely recommend this program to my friends because it provides the knowledge needed to survive financially and it would be a great head start for their future. The program was excellent, I think to accommodate the material learned would be a great idea to embed a stock market simulation for the students." – Ivan

"Smart Money for Savvy Teens taught me important financial skills that I can utilize to the fullest in the future. I learned a lot in this class, which I could not have learned anywhere else. We were occupied for the entire amount of the time. I learned how to manage my money responsibly, how to invest, how to understand stocks. As a result of attending this program, I will feel more secure with managing my money. I will recommend this program to my friends because every young person needs to know these skills for their adult life. The program seems perfect as it is." – Nathaniel

"This program was excellent. It taught me how to manage my money, investing strategies, the nature of commercial and economic world. I will make better decisions with my money. I will recommend this class to my friends because it provides you with very useful skills." – John

"Smart Money for Savvy Teens was excellent. It taught me where to put my money specific to my goals, how the stock market works, not to get in credit card debt and different savings options. As a result of this program, I will start investing and saving my money. I will recommend this class to my friends so that they are well off for their whole life." – Alan

"This program taught me a lot about finance and money. I learned about stocks and different types of accounts that will help me in the future. In addition, I learned about rule 72, to stay away from credit cards and how to diversify investments in stocks and bonds. As a result of this program, I will be able to invest effectively in stocks, bonds and maximize my savings. I will recommend this program to my friends because it really teaches you about money and the proper way of handling it and investing." – Devin

"Smart Money for Savvy Teens taught me why I should start saving early on in life, rather than later. From now on, I will look at the world of finance in a different way than I used to. I will recommend this course to my friends because they should learn how to manage their money." – Abby

"This program taught me how to invest my money, not to go into debt, pay my bills immediately and invest. As a result of this course, I will be more financially conscious and not use credit cards. I will recommend this class to my friends since personal finance if very important." – Rohan

"This program taught me how to invest my money, not to go into debt, pay my bills immediately and invest. As a result of this course, I will be more financially conscious and not use credit cards. I will recommend this class to my friends since personal finance if very important." – Nteboheng

Financial Fitne$$ for Teens - Middle School

"Financial Fitne$$ for Teens was excellent. I learned how to be financially literate and have a guideline to be successful in life. If I use the information that I got from this class, I will be the happiest person in the world and very successful. As a result of this program, I will open a savings account, will always use compound interest and will stay organized about checks and balances. I recommend this class to everyone since it will give them a great opportunity to be successful in life. The teacher was great." - Evelyn

"This class was excellent and very informative. If I use the information in this class, I will get rich! As a result, I will save and look for more criteria when buying things. I recommend this program to everyone because it can help you control your money." - Max

"Financial Fitne$$ for Teens was very good. It helps you be set for life. As a result of this class, I can stay out of debt and be financially set for a future of comfort. I will always put saving first. I will recommend this program to others, so they understand the dangers of the finance world." – Maya

"In this class, I learned that it is very important to save and start early. I also learned how to control impulse buying and I learned a lot of terminology. That best thing that can happen if I use the information from this program is that I will become very rich. As a result, I will start saving and control impulse buying. I recommend this class to others because it teaches a lot of important things. I wish the program was a bit longer." – Ari

"The Financial Fitne$$ for Teens program was excellent. I learned how much money I should be saving at my age and what to do to be financially literate. If is start saving more of my money now, and use the tips from this class, I will become very wealthy. I recommend this class to everyone, because it provides you with knowledge that you can't learn in school. I wish the program was longer. " – Brandon

"At Financial Fitne$$ for Teens, I learned how much you need to save, when you should start and how. I also learned how to not be tricked by advertising and become an impulsive spender, how to maintain your credit score and avoid debt, how to use criteria to buy items properly. As a result, I will become financially literate and my future will be secure from debt. I will also avoid overspending. I will start saving and will keep track of what I spend. I will recommend this course to everyone, because it teaches you things that you will most likely not learn elsewhere." – Thokozani

"This program was excellent. I learned about checking accounts, balancing, budgeting, paced decision making, credit and debit cards. As a result of what I learned, I will save frequently, and will retire with decent amount of money and no debt. I recommend this class to everyone since financial literacy is a skill that everyone needs to learn in order to live independently." – Ian

"Financial Fitne$$ for Teens was excellent. I learned a lot in such a short time. Mrs. Homer was an excellent teacher. I learned there are different kinds of interest, the PACED decision-making process, how to balance a checking account, to do my research before making any monetary decisions. As a result of this class I will talk to my parents about our family's balance, savings accounts, etc. I will recommend this class to my friends because it was educational as well as friendly." - Katheryn

"Financial Fitne$$ for Teens was excellent. I loved it. The teacher is very nice. I learned about variable expenses, save your $$$, and emergency funds. As a result, I will save my $$$ and be sensible. Also never use credit cards. I will recommend this class to my friends because it is essential for life." - Danny

"The program was excellent [Financial Fitne$$ for Teens]. It was really interesting and helped me learn financial literacy. I got a bag and a certificate!! It taught me about banking, credit scores, social security numbers, ATM, checks, credit cards vs. debit cards, transactions, saving money, and Federal Reserve. As a result of this program I will make sure and will be careful when going to college. I won't spend a lot of money and will be careful with credit cards. I will recommend this program to my friends because it really teaches you a lot of financial literacy and help you build your future." - Jennifer

"Financial Fitne$$ for Teens was excellent. I learned about advertisements, writing checks, compound and simple interest, saving and organizing my money. I would recommend it to my friends because it was excellent." - Derek

"This class [Financial Fitne$$ for Teens] was excellent. I loved it and the visuals. I learned how to manage my money, how to save money and how to use credit cards for a life of incentives. As a result, I will try to use my money to my advantage." - Nicole

"This program [Financial Fitne$$ for Teens] was excellent. I learned how to balance my checkbook, how to make better choices with spending, how to make long-term and short-term goals, how to set criteria and use it to make choices, the difference between simple and compound interest, and everything else you need to know about finance. As a result I will make wiser decisions about spending, choosing banks, and set short and long-term goals. I will definitely recommend this program to my friends so that they can have a headstart on the financial world." - Roujon

"Financial Fitne$$ was very good. I like this class and I'm really happy that they taught me about how to save money in a savings account, not to be in front of people at an ATM, not to use credit cards too much (you have to pay back), how to spend wisely, how not to use a credit card most of the time because later on you have to pay that bill off. As a result of this class I will be smart with my money. Look at any sale closely because sometimes stores actually can trick you. I would recommend this program to other people because some people in the U.S. have debt and can't pay it off." - Ruben

"This program [Financial Fitne$$ for Teens] was excellent. I learned the difference between debit and credit cards, how to be financially literate and learn how to save money. As a result of this class I will make plans of how I am going to live my life? I would recommend this class to my friends because they can learn about finance." - Pierre

"This program [Financial Fitne$$ for Teens] was very good. I learned to use money wisely and correctly whether it is cash, debit cards or credit cards, recycle for a circular economy, vocabulary terms for the future. As a result of this class I will know to never waste my money on my unlimited wants but on my limited needs. I will recommend this class to my friends because it will help them in the future to prevent bankruptcy and debt. I personally suggest having more game-like activities and I know it helps me learn faster." - Shelby

"Financial Fitne$$ for Teens was excellent. I learned the importance of saving money, to prevent from going into debt, how to write a check, how to use the PACED decision-making process, the privacy of my future, credit/debit card, opportunity cost, using the economic way of thinking, and a lot more. As a result, I will be much more careful with my money and banking information, use the PACED decision making process and pay my future bills on time. I will recommend this class to my friends because it's a fun way to learn the importance of financial literacy and it will definitely help them in the future." - Roujeen

"This program [Financial Fitne$$ for Teens] was very good and very fun. I learned a lot. I learned how money works, how banks work, how to stay out of debt, how to manage my money for a better financial future. As a result I will be more responsible with my money. I will recommend it to my friend so they can have a good financial future." - Mikayla

"Financial Fitne$$ for Teens was excellent. I learned about saving money, telling what's safe and dangerous, making wise decisions, to save money for a happy and secure life style. As a result, I will save money for college and emergencies. I will recommend this program to my friends, because I want them to have a happy lifestyle." - Anna

"Financial Fitne$$ for Teens was very good. I liked how we watched a lot of videos. I learned to never tell anyone my PIN number, it is important to maintain a high credit score, if your debit/credit card is stolen to call your bank, how to make wise financial decisions now and later in life. As a result I will save more for college and later life. I will also talk to my family and teach them about leading a good financial life. I will recommend this class to my friends because it is important for us to be prepared for later life and the challenges faced." - Deeksha

"This program [Financial Fitne$$ for Teens] was excellent. I learned a lot. It was very fun. I learned how dangerous credit card debt is, linear economy, circular economy is the way of the future, debit cards and PACED decision-making. As a result I will know to save and manage my money wisely and not to be like Bill Owed. I will recommend this program to my friends. You can learned a lot from this program." - Daniel

"Financial Fitne$$ for Teens, taught me the foundations and smart money choices to strive in this economy. I learned not to get a credit card unless absolutely necessary. Save, spend and invest wisely. I will recommend this class to my friends. I think they would realize how important it is to learn this stuff. " – Hannah

"This program [Financial Fitne$$ for Teens]was excellent. It taught me financial skills and how to stay out of debt. As a result I will pay more attention to money. I will recommend this class to my friends because it is very useful. " – Vanya

"This class [Financial Fitne$$ for Teens] taught me money concepts, how to be smart with money and not to get a credit card. I will recommend the class to my friends because it helps people in life. " - Kile

"Financial Fitne$$ for Teens taught me how to write a check, operate an ATM, and different types of saving accounts. As a result, I will probably open a savings account. I will recommend this class to my friends because finance has not been covered in great detail at my school. " – Jason

"This class [Financial Fitne$$ for Teens] taught me about debt, savings and spending. As a result I will save MILLIONS. I will recommend this program to my friends because it saves you ton of money. " – Alex

"Financial Fitne$$ for Teens was fun. It taught me vocabulary of money, how to manage money, how to avoid debt, how to save money and to use. As a result, I will try to save more money. I will recommend this program to my friends because it helps with life and money. It can be very useful. " - Julia

"Financial Fitne$$ for Teens was excellent. It was very fun and educating about money. I was very happy. I learned that opportunity is the next best thing you give up, how to write a check and what different types of savings and goals are. I don’t want to change anything. It was great! I will recommend it to my friends. " – Vivek

"Financial Fitne$$ for Teens was excellent. It gave lots of good information. My day was excellent. I learned about CDs, money market accounts and US savings bonds. I will recommend this class to my friends. " – Nicholas

"The class was very good. It was fun and entertaining. The teacher answered everyone’s questions. I learned about finance, how to set goals and opportunity cost. I will recommend this class to my friends. " – Amil

"This class was excellent. I loved it. I learned about savings bonds, the Treasury and how commercials influence our buying habits. I will recommend it to my friends. " – Emilee

"Financial Fitness for Teens has taught me to make good use of human capital (experience, knowledge, social skills) and go for the highest degree. This program has helped me to identify what things I want by knowing the opportunity cost, know what companies are looking for when they hire, know about when I should use short, medium, or long-term goals. I would recommend this class to my friends because I want them to know how to get around when they’re older. I will continue taking other levels in the series because the economic world seems hard and easy to get bankrupt, so I want to know as much as I can. " – Arvand

"This class was very good. I learned about different types of goals, bank accounts and opportunity cost. I will recommend this class to my friends. " – Sarah

"Financial Fitness for Teens has taught me to save money and why to save money. It has helped me to learn the economic system. I recommend this to all my friends because this program will help you in the long run. I will take more classes in this because I want to continue learning the ‘tricks of the trade’. " – Michael

"This class was very good. I learned about problems connected with borrowing, and strategies to avoid it. I recommend this class to my friends. " - Patrick

"I recommend Financial Fitness for Teens to my friends because it is a great learning opportunity. If you use what you learned then you may become financially secure in life. I will take other courses in the series because I want to improve my skills and knowledge on spending money and investing wisely. " – Lena

"Financial Fitness for Teens has taught me to evaluate the things I buy with more thought, and also the process of investing. It has helped me to make smarter financial decisions, and realize the opportunity cost of my decisions and make smarter choices. " – Aaron

"This program has taught me how to save money, and how to spend it. It has made me to think twice before I do anything with my money. I definitely recommend this class to my friends because it would be good for them to know what they should do with their money. " – Diego

"Financial Fitness for Teens taught me to save money effectively over different periods of time. This program has helped me to make sure that I get a good education because the higher education you have you usually have more job opportunities. I recommend this program to my friends because it shows how important saving money is especially when you get into emergencies. " – Chevelle

"Financial Fitness for Teens has taught me to be able to handle my money and put money in savings. I now understand the value of money. I will recommend this class to my friends so that in the future they don’t go broke. I will take other classes in this series so that I can get more education on money, savings and investing. " – Donald

"Financial Fitness for Teens has taught me to think about economic decisions in the future. I have learned to think about my education. I recommend this class to all my friends because it will really help them. I will take more classes because it seems like I could learn a lot more, like investing. " – Chris

My Money MatterZ - Elementary School

“My Money MatterZ is an excellent class. It’s very fun and it teaches you a lot about money. I learned that you should save your money not just blow it at the casino. I also learned that advertisements are everywhere. It teaches you that you should first buy things you NEED not the things you WANT. As a result of this program, I will not blow my money on things I won’t really use. I would recommend this program to my friends because it really teaches you about saving your money and how to use your money. I have no suggestions. The camp doesn’t need to change.” – Celeste

“My Money MatterZ is excellent. It taught me that money is important and I should save my money instead of spending it the second I get it. I learned many facts that would make a difference in my future. As a result of this class, I will use my money wisely and carefully. I would recommend this class to my friends because I have learned a lot of important facts and my friends will too. I have had fund and learned lots of interesting facts. I learned about how money was made, our human capital and why having a bank account is important.” – Sophia

“My Money Matterz is an excellent program. It teaches you how to manage and use your money. We were never bored!! It is fun and exciting. I learned about wages and that you if you don’t go to college you will get a smaller pay. I learned that salary means you have to get college degree and with extra training you will get more money. I learned that advertisements have logo, jingles and slogans. As a result of this program, I will start spending less and spending more wisely. I will also get a job. I would recommend this class to my friends and tell them that you would learn a lot and get good advice. The teacher is very fun too. I think I will come again next year.” – Hedy

“My Money MatterZ is Super! It was excellent. I learned about income, checks, savings, and account register. The program taught me how much money matters. As a result of this program, I will know how to be smart with my money. I will recommend this class to my friends because it is fantastic.” – Connor

“My Money MatterZ taught me quite a bit. As a result of this program I will be more conscious about my money. I would recommend this class to my friends because it was very interesting and I learned a lot! I learned about trade-offs, opportunity cost and I learned about different ways to save my cash.” – Johnathan

“My Money MatterZ was excellent. It was the best. I learned about income, interest and saving. It also taught me to save my money. As a result of this class I will do what they taught me. I will recommend this class to my friends because it teaches you a lot.” – Jameson

“My Money MatterZ is a good program. I like the lack of boring work sheets. With this camp you get your money’s worth. I learned how to use money, how to keep money and how to get money. This program taught me a lot about money, mostly that it matters! I learned where to use it, where to keep it and most importantly where to get it. As a result of this class I will be financially smart. I would recommend this class to my friends because it teaches you a lot while you are having fun. I have not suggestions because it is already too good.” – Corrigan

“My Money MatterZ was excellent. It was very fun. Super fun. I learned that banks are good, to be responsible and save my money. The program taught me a lot. As a result of this class I will be smart with my money. I will recommend this class to my friends because it is fun.” – Teddy

“My Money MatterZ is excellent. My teacher was so very nice to us! She taught us a lot! I learned about human capital, savings and checks. The class taught me to save and spend money wisely. I will remember this program forever! I will recommend this class to my friends because I love this program and so they will too. I have not suggestions for this class. I don’t want it to be better. It is the best of all programs.” – Rebecca

“My Money MatterZ is very good. It taught me how to save and grow a budget. It prepared me a lot for the future. It also informs children on the economy of money. I learned about savings and budgets, bank accounts and bank statements and the economic flow of money. As a result of this program, I will pay more attention to what I buy and save more. I will recommend this program to my friends because it’s fun, yet it prepares you very well.” – Stephanie

“My Money MatterZ is a very good program. It taught me how to save money, use banks and use money wisely. As a result of this class I will handle money better. I would recommend this program to my friends because it teaches you a lot.” – Mikhail

“My Money MatterZ taught me about how money is earned, how it is saved and also about businesses. As a result of this program I will save up money for long-term goals. I would recommend this class to my friends because it teaches you to save money and about savings accounts. The program is very good. I learned that savings accounts can make your money grow. I learned that is you save for long-term goals you can buy things like a car. My suggestion is that they should teach us about stocks.” – Nicolas

"My Money MatterZ was excellent, I loved the slides and grateful for the snacks. I learned that you have to be smart with your money so that you don’t dig yourself a deep financial hole, and to keep your money safe, you should open a savings account. One last thing is that I learned about different advertisements. As a result of this program I will open a savings account and mute the television when ads come on and be very careful with my money. I recommend this class to my friends because I wouldn’t like to see my friends fall into debt."– Luisa 

"This program [My Money MatterZ] was excellent and worth the money. My days were amazing and I learned a lot. It taught me that my money matters. The whole world revolves around money and that we cannot live without money. We should use money wisely and take care of it. As a result, I will be money savvy! I will start saving my money now and don’t spend it on wants but needs. Also have some money set aside for college and if a tragedy happened. I will recommend this class to my friends because they would learn a lot and become wise about money. They will learn not to spend their money on wants but needs and how to open a savings and checking accounts." – Chimwemwe 

"My Money Matters was excellent, it has everything I could possibly want and need and I had fun doing it! It taught me how to sustain my money and what not to do in the future when I get a job. As a result, I will know how to sustain a household and a life when I need to get a job. I will recommend this class to my friends and family. Just like me they will be know what do with their money if they take this class." – Xander 

"This program [My Money MatterZ] was excellent. I learned a lot from this class. I am glad I took this camp. It taught me to be careful with my money and how to spend it. As a result, I will not believe most of the advertisements I see because they can trick you. I will also know how to write checks. I will recommend this class to my friends and family because I know some people who could use some help on saving money. Everything was perfect!" – Michelle 

"My Money MatterZ was excellent. It was a really cool camp. Every day was an adventure. I learned a lot. I learned what entrepreneurs do and how advertising works. The class taught me the difference between needs and wants, opportunity cost, what the economy is made up of and how to save. As a result, I will become money savvy, spend my money wisely, tell friends and family about money, and be a lot more knowledgeable about money. I will recommend this camp to my friends, because everyone should know how to save and be money savvy. My suggestion is that Don’t change a thing." – Ryan 

"This program [My Money MatterZ] taught me a lot about money. I learned that advertisements use a lot of tricks to get you buy their items that you pay a fee when you use a money order, and that ATMs require a debit card to activate. As a result of this class, I will be much more careful with my money. I will recommend this class to my friends because I know some that aren’t very careful with money and they could learn a lot in this class." – Phillip 

"My Money MatterZ was very good. It taught me how to keep track of my money and keep it safe. As a result I will open a savings account. I will recommend this class to my friends because it is a good way to learn to be better with money." - Ryan 

"This program was excellent. It taught me how to budget my money wisely. As a result I will be able to spend my money wisely. I recommend this My Money MatterZ to my friends because it will help you in the future." – Brandon 

"My Money MatterZ was excellent and really fun. It taught me how you can get in trouble with debt and how to handle my money. As a result I will be more careful with my money. I will recommend this program to my friends because you can really learn a lot about money." – Mikayla 

"This program was excellent. It taught me how money matters. I learned a lot! As a result, I know how to spend my money wisely. I recommend My Money MatterZ to my friends because it teaches you a lot of really important things." – Matthew 

"My Money MatterZ taught me that money matters a lot. As a result, I will save more money. I will recommend this to my friends because it teaches them to save." – Rohin 

"This program taught me about entrepreneurs, bank accounts and credit cards. As a result I will be a better person money-wise. I will recommend My Money MatterZ to my friends because you will learn a lot of helpful skills." – Jonah 

"My Money MatterZ is a fun way of learning about money. My days in this program were excellent. I learned how to make a bank account, ways of advertising and five things that make people buy. The program taught me all about money. So Much!! As a result of this class I will save, become conscious of commercials, and be inspired to create something new. YES, I will definitely recommend this class to my friends. It is fun, exciting and teaches you some basic things about money." - Eva

"My Money MatterZ was excellent and very fun. I loved the competitions. The program taught me many things. I learned about debit cards, bank accounts, human capital, practicing skills and hidden advertisements that make us buy. As a result of this program I will save all of the money I earn. I will recommend this class to my friends because you learn many skills and learn why it is important to save." - Jessica

"I rate My Money MatterZ as excellent and helpful. I learned about different types of payment, interest, and why you should save. As a result of taking this class I will think twice about how I spend my money. I will recommend this class to my friends because this should be important for their future." - Bryan

"I'm glad that I learned about how commercials aren't always real and that credit cards can put you in debt for life. I will recommend My Money MatterZ to my friends." - Brielle

"My Money MatterZ was excellent. I learned to use my money wisely. We had a lot of fun. I learned about budgeting, balancing my savings, and checking accounts. I will recommend this program to my friends."- Nya

"This class was the best. I learned how to write checks, use ATM machines and my PIN.I will recommend this program to my friends." - Kian

"My Money MatterZ was very fun and informational. It applies real-life concepts. Teacher is very fun! I learned about budgeting, saving, services and goods. I will recommend this program to my friends." - Joshua

"My Money MatterZ was great. It taught us well. I learned about income, interest and opportunity cost. We played games and music. It was fun! I'm definitely going to recommend it to my friends." - Corine

"I liked this class. I learned a lot about money and saving it. I learned about income, credit cards, and expenses. I will recommend this class to my friends." - Mi

"I loved My Money MatterZ. It taught me that ads don't tell the truth, that college is a good place to go to, and it gave me a lot of education. I would recommend this class to my friends." - Nicholas

"My Money MatterZ was awesome. I would recommend it to my friends." - Esteban

"I loved this class and I will remember [it] for all my life! I liked all of the classes here, but I didn't like this day - I loved it! I will recommend this program to my friends." - Sylvie

"My Money MatterZ was very good. It taught me how to save, how to use ATMs and debit cards. I will definitely recommend it to my friends." - Julie

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"YLTA's program for parents, taught us how consumers are deceived by the media and consumerism. As a result of this program, I will make wiser decisions about how to spend and save more. In addition, I will think more consciously about spending. I recommend this program to others, it is very informative. I will definitely recommend YLTA. The class was great. " - Jillayne.

"In YLTA's program for parents, I learned about neuroscience marketing and how to manage my money. As a result, I will manage my shopping with the new techniques I have learned in this course. I will definitely recommend this program to others, because it will teach them how to manage their money. I will definitely take other classes with YLTA. " – Michelle

"YLTA's program for parents taught us how to become less of a slave to the corporate industries. With this information, I can become more knowledgeable and wealthy. As a result of I will become more aware of how to spend my money. Stop buying for wants but needs. I will recommend YLTA to others. It is very helpful. I will take other programs with YLTA. It's not broken, don't fix it!! It is the best way to present and the facilitator is wonderful!!! " – Mary

"In the program for parents I learned to save, save, don't buy what you want, buy what you need. The use of this information would make you richer. As a result of this program I will pay off my credit cards and pay early to avoid interest. I recommend this program to others because people need to get out of debt. I will take another training session with YLTA. " – Veronica

"In this program I learned how important money management is needed every day. As a result of this program, I'll try to eliminate several credit card balances. I will also look closely at what I need to improve upon my credit reports. I most definitely will recommend this YLTA to others. It exposes buying power, it's educating! I will take other classes with YLTA. " –Joyce

"In this program, I learned that some so called necessities are not needed. As a result, I will start to save more and spend less. I will use money more wisely and help my grandmother out plus not ask for stuff. I recommend this program to others because it is very informative and can help someone with their future. I will take another class with YLTA. Everything was perfect. " – Shakera

"YLTA taught us to Save, Save, Save! Stop making the stores richer. The best thing that can happen if I use this information is to stay out of debt. Step one is to "pay myself first." I recommend YLTA's program to others since it gives a lot of information that we don't think about. I will definitely take another class with YLTA. " – Nykilah

"In this program I learned to buy what I need, not what I want. As a result of this class, I will lower and get out of debt. In addition, I will not follow trends, avoid wasteful spending, look for quality products with value. I will definitely recommend YLTA to others since it provides valuable information about Americans spending more than they earn. I will take another class with YLTA. " – Jessica

"In this class, I learned so much, some things that I have already put in place. The use of this information will allow me to gain control of my finances and save more. As a result of this program, I will begin to build and save. Everyone should take this class, it is very informative. I would like to take another class with YLTA. They have the best trainer, Mrs. Homer. " – Surrita

"This class taught me that if you buy what you don't need, soon you'll have to sell stuff that you do need. The use of this information can help me become financially stable, when I become an independent person. As a result, I will begin to spend my money wisely. I recommend this class to others since it is quite informative for the youth. " – Daniia

"What I learned in this class gave us a better understanding of marketing and consumerism. As a result, I will be more aware of my spending. I recommend this class to others since the information given is quite helpful. " – Jaden

"In this class I learned that early savings is essential for retirement years. As a result, I will start paying myself first and put as much money as I can afford into a separate savings account. I definitely recommend this class to others. " – J.

"YLTA's class was very informative. As a result, I will save more and spend less. " - Casi

"Thank you so much for the progress reports! Jackson has been talking about [Smart Money Counts] what he is learning, and now, having your Progress Reports will really help facilitate the discussion at home. " - Jenifer L.

"Thank you Ms. Homer! My daughters told me that they love your teaching method. The attachments are very informative. The course [Financial Fitne$$ for Teens] has been an eye opener for them and they have been so excited to come to your class. Thanks again. " - Behrooz N.

"Thank you Ms. Homer. Daniel likes this camp [Financial Fitne$$ for Teens] very much. We are glad that we have him signed up. Thank you again. " - Holly G

Your daily progress reports were helpful to prompt conversation at dinner time. I would recommend this program [My Money Matters] to others. Kids had fun. My son, a 9 year old, rated the program as a 9 on a scale of 1 – 10, ten being the best possible. Our dinner conversations indicate that he learned a great deal. The time and duration of the class was absolutely convenient. Summer is perfect for the program since kids need breaks during the academic year. Keep up the good work.” – Jeaneen R. C.

My son doesn't like camps that are longer than 3 hours, so we were happy to find this camp was only 1/2-day! The daily progress reports were great! It was wonderful to review with my son and the reports prompted interesting discussion. I would recommend this program [My Money Matters] to others because my son found this class interesting, engaging, and fun and was sad to have it end. I found Ms. Homer is kind and professional. I have no suggestions ... great class!” - Cheryl D. S.

I would recommend this program [Money Matterz] to others. I find the information valuable for anyone and was thrilled to hear my child talk about what she learned. The progress reports were very helpful in keeping me informed of the subject material. I’d like to try to set up early afternoon home-school classes throughout the year. I hate to ask for homework...but, just a small (tiny) assignment to repeat newly learned information may help seal the information better.” – Hayuru T.

"Thank you for providing such an exciting program. I would definitely recommend the program [My Money MatterZ] to others. It was money well spent. My son found the program engaging and informative. He enjoyed the games he played and found the videos informative. My son now understands and can discuss some of the taken for granted information about money, forms of payment, and investments. He has an enterprising mind and this program will help him as he plans to start a business. Already, after the program, my son wants to learn how to mow the lawn so that he can start making money and saving. Even though we have a custodial account for my son, we will take him to another bank so that he can open an account and he can start managing the account by himself. We think he now looks at money and spending very differently after being part of the program.

We found the daily progress reports very helpful. They provided a summary of concepts and skills the kids were taught. We plan to file them and use them to extend further exploration of the terms, ideas, and skills taught." - Susan 

"We absolutely recommend this program [My Money MatterZ] to others because our 11 year old son learned a lot and really enjoyed it!" - Jeanne 

"We are 100% satisfied with Money MatterZ. The daily progress reports were very helpful in keeping us informed of the subject material. We will recommend this program to others because it is good for kids to understand how to manage money." - Wu

"We were very pleased with the class [Smart Money for Savvy Teens] and it was well worth the price, even with the added non-resident fee. The program exceeded my expectations. My son learned so much in such a short period of time. I had to get special permission for him to take the class because he is starting college this fall and outside the 9th-12th grade age range. I think you should market this course to kids going away to college. This was exactly what he needed to get him thinking about his financial future and to resist the lure of easy credit in college. I talk about this with him constantly but hearing it from an expert has so much more impact. The daily progress reports were excellent and I used them to quiz my son and reinforce what he learned each day. Thanks for providing my son with a great learning experience." - Sarah

"This was a very nice class [ Financial Fitne$$ for Teens]. Timing was find, and that too because you allowed vivek to come in around 9 am. Daily reports were helpful. In fact my younger son (8 year old) wants to take this class…so as soon as he is eligible I will enroll him in your class." - Ramana

"I was very impressed with your Financial Fitne$$ program my daughter just completed today at Montgomery College." - Nancy

"Josh enjoyed your class [My Money MatterZ] quite a bit, and most importantly he learned some good concepts of money management through fun learning. The daily progress reports provided very detailed feedback which played a critical role in discussing specific topics with my son, so I considered them essential to parents' understanding of their children's learning. You've done a wonderful job and have a great summer! Thank you." - Tae Jeong

"Our daughter Hannah really enjoyed your class [My Money MatterZ] and learned a lot about personal finance. We were very pleased with content and the teaching in the class. The teaching staff stimulated our daughter's interest and made learning fun. In addition, we really appreciated your flexibility in allowing us to drop our daughter early which was a great help to us. - THANKS. Please let us know about future class offerings." - Alan & Winnie

"I feel the class [My Money MatterZ] was excellent. We're happy the kids learned some valuable skills and had fun too. I appreciated the progress reports to know better what the kids are learning." - John

"The time and location of the class [My Money MatterZ] were very convenient for me. The progress reports were great. I loved reading about what you covered in class so that I could reinforce it at home. Julia suggests more fun games and a little faster pace." - Shari

"The food recovery program serves an obvious supplement for disadvantaged persons in the community who desperately need food. At the same time, the students participating in this program benefit from their community service and increased awareness of hunger in their community. Students at other schools would reap similar benefits, and I endorse your efforts to implement the food recovery program in other schools."

I am similarly impressed with your leadership training programs for teenagers. Today's youth face numerous financial and personal challenges. Your programs offer guidance and training beyond that available in the typical classroom. Over the years, I have represented many teenagers who, through peer pressure, poor decisions and self-destructive behavior, cross boundaries leading to detention and involvement in the juvenile courts. Your programs offer proactive leadership and awareness training that should help our youngsters make better decisions." – Dennis Ettlin, Brown and Sturm Law Offices in Rockville, MD 

"From the start of my son Jeremy’s involvement in the program this September, you have provided him with a sense of ownership and empowerment to bring about positive change in his community, and you have given him the tools to raise awareness among his peers. Programs which foster youth leadership, such as this one, instill a sense of commitment to the community which will follow these students into adulthood."– H. R.

As a professional, I have the opportunity to work with low income youth and adults of Montgomery County as a Food Supplement Nutrition Educator for the University of Maryland Extension. My career experience, as well as my graduate studies in field Youth Development, affords me the opportunity to explore, develop, and implement successful youth programs. The Youth Leadership Training Academy, under the skilled direction of Ms. Homer, includes all of the elements needed for a successful, meaningful leadership experience for the youth of our community." – Lynn

My 7th grade son learned how to be a better big brother and the responsibilities that go with that role. He is working with his younger sister more as a team player and a role model. At the program, the kids made charity food bags for the homeless and he enjoyed doing so. This is character building and lets children appreciate what they have and also lets the youth know how valuable it is to help others." – Chris and Helen

"Through lectures and interactive exercises, the students learn how to effectively communicate with their peers and teachers, how to generate positive peer pressure, and how to become true leaders. The students learn quickly that developing leadership skills and communication skills creates a more enjoyable and positive school environment." – Elva

"We greatly appreciate that you took the time to understand our kids and their needs in order to tailor your courses to fit the students. This personalization made your impact so much greater and has proven the programs so effective. The YLTA programs shape a successful, money-conscious, smart, and savvy young adult. Thank you for creating a wonderful program for today’s youth." – A. S.

"Thank you for bringing your service vision into existence.You are making a difference in many lives. It is a fabulous credit to your dedication. Great compliments to your ambassadors. They should feel the glow of satisfaction for a job well done." – Marianne

"I absolutely recommend YLTA programs to others. So many people don't know and they need to know. The program teaches you to focus on your "Needs" and take care of your "Needs" instead of "Wants"! It emphasizes "TO STAY OUT OF DEBT!" To use their financial tips would enable one to grow financially and pass the knowledge and help others. The steps that I will take as a result of this program is to implement into my "Life Style" is to "Live Simple and Save" – Lawrence

"Through YLTA's program, I learned to be more mindful how, when and why I am spending money. To use the information given will brighten our future. As a result, I will reduce spending and educate the youth. I will definitely recommend this program to others because it is quite informative. Ms. Homer was Great! " – Kamilah

"At YLTA's class, I learned how to manage my finances in addition to strategies of purchasing goods, Investment strategy and saving. The use of this information is a great foundation for building a future especially during retirement. As a result of this program, I will share the information with my family especially my kids. I will recommend this program to others because it gives good thought, knowledge and understanding. It helps correct some mistakes we made. The program was very satisfying. Thanks a lot. " – Stanley

"I learned about the facts about the use of credit. To use this information, I will spend less and will have more. I will recommend this program to others. It was very good. " - Sybella

"Ylta taught us every day financial planning and how to use money without it using me. The best thing that can happen if I used the given information is that I would have more money in my bank and would become debt free. I recommend YLTA to others because they provide information consumers need to know in order to plan for their future. Ms. Homer was wonderful and very knowledgeable of the subject presented. " - Mary

"YLTA's program taught us about the use of credit and the tricks and traps associated with it. The use of this information will enable me to become more knowledgeable and aware of my financial status. As a result, I will start practicing what I have learned. I most definitely, recommend YLTA training to others because of its content. " - Joyce

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"Afarin Homer has been an invaluable asset to the students of Gaithersburg Middle School through her development of Ambassador’s Program. Ms. Homer’s commitment to students is evident in her preparation, communication, and evaluation of the program." – Carol Goddard, Gaithersburg Middle School Principal

"Being the after-school coordinator, it is great to see the large number of students participating in Ms. Homer’s Ambassadors Program. It is a positive and powerful club that helps students deal with today’s challenges while they learn to give back to the community. It is so nice to see our students excited about helping others! We are lucky to have the Ambassador’s Program at GMS!" – Angela Migyanka, Gaithersburg Middle School After-school Coordinator

"The Ambassadors Program has been a success for the students who have participated and for the staff who interact with these students. There have been changes in the students’ attitudes and demeanors. Several are more outspoken (in a positive manner) and display confidence in themselves and respect for others."– Rosa Dunn, Gaithersburg Middle School Instructional Data Assistant

"Ms. Homer helps raise student awareness on issues within the community. As students continually attend the program, they learn characteristics to develop their sense of self-efficacy. Ms. Homer also guides students into gathering skills that will promote academic success. The principles that students gather from working within the Ambassador’s Program, along with guidance and leadership efforts from Ms. Homer, are traits that students will carry for a lifetime." – Vaughn Bradley, Assistant Principal Gaithersburg Middle School

"The Ambassador Program has helped to reinforce the Six Pillars of Character Counts. Students learned the importance of continuously demonstrating respect. By developing their self-confidence, students improved their problem-solving skills. The hands-on portion of the program focused students on community members who are less fortunate and the importance of helping them. Also, students learned to channel their emotions in a positive way (i.e., use anger to help those in need). We are pleased and very fortunate to have the program at our school." – Everett Davis, Gaithersburg Middle School Assistant Principal

"Mrs. Homer - Thank you for having the vision to launch the Food Recovery for the Hungry Program at GMS. There is a great need in this community that many are not aware of. This program will provide nutritious food to those in need of assistance and eliminate food waste. A win, win situation. Students will have the opportunity to reach out to the community and fellow students." – Rosa Dunn, Gaithersburg Middle School Instructional Data Assistant

"As a teacher who does afterschool activities throughout the year with students, I have often been upset and dismayed at how much food would be wasted and thrown away that was perfectly fit to consume. The addition of the First Food Recovery Program has been a conscientious effort to eliminate unnecessary waste and to help those in need at the same time. It’s a great program, especially for the Gaithersburg community, and serves as a beacon of light for the greater good of our community & State." - Daniel Whitlow II, R.A.A., Physical Education & Health Department Chairperson Gaithersburg Middle School

"Before I became a teacher, I was employed as an Instructional Assistant and would sometimes be asked to cover lunchroom duty, When the students threw away their "trash" at the end of lunch, I was astounded at the huge amounts of untouched, unopened lunches or parts of lunches that were being thrown in the trashcans. To launch a program which will prevent food waste and to collect it and deliver it to local food banks is a wonderfully efficient and valuable way to utilize unwanted food. Providing food and meals to children and their families is crucial at this time in our local communities as well as on a national level. Children and adults must have enough to eat in order to be fully functioning and productive members of our society." – Jutta LeDu,  Gaithersburg Middle School Teacher

"As someone who has experienced poverty it warms my heart to see my students, who at times can seem to care about nothing but themselves chip in and support this program. The kids that come to the afterschool program at GMS are offered an afternoon snack. Instead of throwing out or playing with what they don’t want and don’t touch, they put this food on what is being called a sharing table. These kids are making a conscious effort to help others. This awareness is making them better people, I have even seen a difference in the way some of these kids treat one another." – Teresa Sikora, Gaithersburg Middle School Teacher

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It is wonderful to be on the receiving end of Food Recovery for the Hungry program! When our student volunteer servers come around with the trolley of plain and flavored milk, the fruit cups and the fresh fruit there is a great chorus of ‘thank yous’ and requests from our guests. The students who were serving the meal (and also earning Student Service Learning Hours) are delighted to be so appreciated and delighted in knowing that they are participating in such an innovative program as Food Recovery for the Hungry. Just imagine the profound lesson they are learning from this experience also! Thank you for encouraging youth leadership and for making young people aware of the needs in their community." – Mary Canapary, The Lord’s Table Director

"Please accept my sincerest commendations for the enormous successes you have achieved through your Ambassadors Leadership Program. I am especially touched by the feed the hungry project, and the extraordinary result of 2000 people who have been fed within Montgomery County. I am grateful to you for the dedication you have to empowering young people. You have my very best wishes for the future."- Nancy S. Grasmick, State Superintendent of Schools

"I understand that the Ambassadors Leadership Program is designed to attract and connect students to the idea that they have the power to overcome obstacles and challenges in their daily lives. This after-school activity authorizes and authenticates the idea that students can direct their energy to make positive changes. Kudos to you for your creativity and hard work to help improve student outcomes." – Jerry D. Weast, MCPS Superintendent of Schools

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