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☆ 83% of teenagers are already thinking about retirement — but many make this one mistake
▼ + stars: | 2024-04-22 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

Overall, teenagers are taking a greater interest in their long-term financial health — although far fewer understand basic retirement planning. "This research shows retirement is more top-of-mind for teens than one might think," said Jack Kosakowski, Junior Achievement's president and CEO. Slott recommends opening a Roth individual retirement account to get a head start. Contributions to a Roth IRA are taxed upfront, and earnings grow tax-free. Once contributed, the money inside a Roth IRA account can be invested appropriately to suit any type of long-term goal.

Persons: Jack Kosakowski, Junior, Ed Slott, Slott, Roth, Christopher Jackson's, Jackson Organizations: Junior, Da Vinci Communications High School, CNBC Locations: Southern California

☆ Gen Z's key to financial security
▼ + stars: | 2024-04-18 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailGen Z's key to financial securityYoung adults in the U.S. - ages 18 to 34 - are more likely than any other generation to say that "owning my own business" is key to their financial security, according to a new cnbc global your money survey. As part of its financial education initiative, CNBC, in partnership with Junior Achievement, brought together business leaders to discuss founding a company as a possible career path. CNBC'S Senior Personal Finance Correspondent looks at how this career exploration program in Denver aims to inspire high school students to become entrepreneurs.

Organizations: cnbc, CNBC, Junior Locations: U.S, Denver

These interviews have been edited for length:HOUSTON — A longtime resident of Houston, Monica Fulton, 51, prioritizes giving to organizations serving the city’s residents. That changed in 2018 when she helped organize a group of donors who pool their funds to support small organizations serving women and girls on Chicago’s South Side. The giving circle makes relatively small grants to organizations that have budgets of less than $500,000, where those grants can make a big difference. During the height of the pandemic, they took an online training through the organization Philanthropy Together about how to run a giving circle. “They trust that the group is doing the vetting and that their money’s going to a good cause.

Persons: Monica Fulton, She’s, ”, Fulton, “, Alicia Bailey, Bailey, ” Bailey, she's, I’ve, Ruben Brooks, Brooks, Ezekiel Taylor, ” Brooks, it's, ___, — Lynne Garfinkel, Pam Lowy, ” Lowy, Garfinkel, GivingTuesday Organizations: Associated Press, Houston Food Bank, Fulton, ”, Chicago Foundation for Women, ATLANTA, American, Atlanta Beltline, Big Brothers, Sisters, America, of Georgia, Ezekiel Taylor Foundation, Lilly Endowment Inc, AP Locations: Houston, Panama, Chicagoland, Atlanta, ___ LAFAYETTE, Lafayette, Boulder , Colorado

☆ As more colleges are promising high schoolers guaranteed admission, 'everybody wins,' expert says
▼ + stars: | 2023-10-10 | by ( Jessica Dickler | ) www.cnbc.com time to read: +6 min

Sonoma State University Courtesy: Sonoma State UniversityTo help make college a reality, Sonoma State University is trying a relatively new approach: High school students who have completed the requisite coursework and have a minimum 2.5 high school GPA are now "guaranteed admission" to the Rohnert Park, California-based school. Last spring, the State University of New York sent automatic acceptance letters to 125,000 graduating high school students. College enrollment is droppingSonoma State University Courtesy: Sonoma State UniversityStill, fewer students are going to college. More high schoolers want career trainingMost Americans still agree a college education is worthwhile when it comes to career goals and advancement. High schoolers are putting more emphasis on career training and post-college employment, the nonprofit found after polling more than 5,000 high school students six times since February 2020.

Persons: Ed Mills, Mills, Robert Franek, Franek, Lakhani, Doug Shapiro, Cole Clark, Connie Livingston Organizations: Sonoma, Sonoma State University, California State University, Finance, Princeton, Virginia Commonwealth University, State University of New York, Sonoma State University Still, Nationwide, CNBC, National Center for Education Statistics, Student Clearinghouse Research, College Board, Public, USA, ECMC Group, Junior Achievement, Citizens, Brown University Locations: , California, Sonoma State, Richmond , Virginia, New York, U.S

Girls and young women want to be homeowners by the time they're 30 — a higher priority even than getting married or earning a lot of money. About half, 52%, of young women ages 7 to 21 want a house by 30, the most of any goal, according to Girlguiding's Girls' Attitude Survey 2023 . To compare, 48% want to be married by age 30, and 39% said it's a goal to earn a lot of money. The organization polled 2,614 girls and young women in the U.K. between the ages of 7 and 21 earlier this year. Lenders look at your debt-to-income ratio to figure out how much mortgage debt you can take on.

Persons: Fannie Mae, it's, Melissa Cohn, William Raveis, Kamila Elliott, Cohn, Jessica Lautz, Elliott, Roth, Lazetta Rainey Braxton, Braxton Organizations: Fannie, William Raveis Mortgage, Federal Reserve, Wealth Partners, National Association of Realtors, CNBC, Partners, IRA, CNBC FA Council, CNBC FA Locations: New York, Atlanta

Review: Is Discover it® Balance Transfer the Best Credit Card for You? Discover it Balance Transfer Card RewardsThe card offers a generous cash-back rewards structure. With the 0% intro APR on balance transfers, there's an intro balance transfer fee of 3% of the amount of each transfer that post to your account by September 10, 2023. Yes, the Discover It Balance Transfer Credit Card allows balance transfers. Yes, the Discover It Balance Transfer Credit Card has an an intro balance transfer fee of 3% of the amount of each transfer.

Persons: you've, you’ve, Cardholders, It's, cardholders, you'll Organizations: Discover, Reading Chevron, Wholesale, PayPal, American Cancer Society, Children's Miracle Network, Diabetes Research Foundation, World Wildlife Fund, JCB, U.S, Bank Locations: Japan, skylines

☆ New York sends college acceptance letters to 125,000 high school seniors, but broader enrollment crisis may be hard to fix
▼ + stars: | 2023-06-02 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

"There's a broad-based drop in belief or trust in higher education as an institution," said Cole Clark, a managing director within Deloitte's higher education practice and co-author of a recent trends report. These days, only about 62% of high school seniors in the U.S. immediately go on to college, down from 68% in 2010. High schoolers are more interested in career trainingMost Americans still agree a college education is worthwhile when it comes to career goals and advancement. High schoolers are putting more emphasis on career training and post-college employment, the nonprofit found after polling more than 5,000 high school students six times since February 2020. Earning a college degree is almost always worthwhile

Persons: Bebeto Matthews, Cole Clark, Connie Livingston Organizations: Baruch College, Barclays Center, AP, College Board, Public, USA, ECMC Group, Junior Achievement, Citizens, Brown University Locations: Brooklyn , New York, U.S

Review: Is the Discover it Cash Back the Best Credit Card for You? For example, you could look at a no-annual-fee card that offers a flat cash rewards rate on all purchases, like the Wells Fargo Active Cash® Card, which earns 2% cash rewards on spending. Insider's Featured Cash Back Credit Cards Discover it® Cash BackCiti® Double Cash CardWells Fargo Active Cash® Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. How to Earn Rewards With the Discover it Cash Back CardTo earn the most cash back with the Discover it® Cash Back, you'll have to activate the rotating bonus categories each quarter through your online Discover account. How to Use Discover Cash Back RewardsThe best way to redeem your Discover it® Cash Back rewards is usually as a statement credit, which lowers your balance, or simply take the cash as a direct deposit to your bank account.

Today, there are 54 Hispanic American banks and credit unions that are FDIC or NCUA insured around the US. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated in September 2022. In our list of Hispanic American-owned banks and credit unions, many of the institutions listed offer customer support in Spanish and English. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. To help you learn more about a specific Hispanic American-owned bank or credit union, we've included links to reviews of individual institutions.

☆ Why now is the best time for Gen Zers to launch a business, and how they're taking advantage of the opportunity to change the workforce
▼ + stars: | 2023-01-05 | by ( Alexandra York | ) www.businessinsider.com time to read: +6 min

Here's why now is the best time for Gen Zers to start their own businesses. It helps that some successful Gen Zers are earning more than America's top CEOs. Here's why now is the best time to start a business for young people and two Gen Z entrepreneurs who have done it. New ventures in copywriting, social media management, and virtual assisting have been among some of the most successful, Mawhinney said. With this in mind, young founders have the opportunity to build brands that new workers resonate with.

Organizations: & $

How Washington State Employees Credit Union worksWashington State Employees Credit Union is a community development financial institution (CDFI) with 22 branches throughout Washington. Washington State Employees Credit Union trustworthiness and BBB ratingWashington State Employees Credit Union hasn't been involved in any recent public controversies. Washington State Employees Credit Union vs. Kitsap Credit UnionKitsap Credit Union is another CDFI in Washington. Kitsap Credit Union has a high-yield checking account while Washington State Employees Credit Union has a cash-back checking account. Washington State Employees Credit Union vs. Gesa Credit UnionGesa Credit Union has 30 branches in Washington and is also certified as a CDFI.

For those who can't afford these experiences, you may be wondering how to explain that to your kids. "[Frances] sees the disparity in some cases between what we're able to afford and what her friends' parents are able to afford." $0 Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. "You're mindful that saving money for you is also potentially taking away an experience for your kids," Gee says. She thinks that volunteering will help parents and kids see how well off they truly are — even if they can't afford every holiday activity.

Today, there are 56 Hispanic American banks and credit unions that are FDIC or NCUA insured around the US. We selected Hispanic American-owned credit unions from the National Credit Union Administration's list of minority depository institutions which was also updated on June 30, 2022. In our list of Hispanic American-owned banks and credit unions, many of the institutions listed offer customer support in Spanish and English. You can open up savings accounts, checking accounts, CDs, and money market accounts in most of the institutions listed. To help you learn more about a specific Hispanic American-owned bank or credit union, we've included links to reviews of individual institutions.

Read our review Read Our Review A looong arrow, pointing rightReview: Is the Discover it Student Cash Back the best credit card for you? How to earn rewards from the Discover it Student Cash Back cardTo maximize the cash back you earn with the Discover it® Student Cash Back, you'll need to activate the rotating bonus categories each quarter through your online Discover account. Discover allows you to have a maximum of one Discover student credit card account. However, you're eligible to apply for a second Discover credit card after your first Discover credit card has been open for more than 12 months and you're no longer a student. Is the Discover it Student card a secured credit card?

Read our review Read Our Review A looong arrow, pointing rightReview: Is the Discover it Cash Back the best credit card for you? If you prefer earning cash-back credit card rewards without paying an annual fee, the Discover it® Cash Back is a great choice. How to earn rewards with the Discover it Cash Back cardTo earn the most cash back with the Discover it® Cash Back, you'll have to activate the rotating bonus categories each quarter through your online Discover account. The Discover it® Secured Credit Card, for example, is geared to folks who are new to credit or rebuilding credit. When you open an eligible new Discover card, you'll be able to take advantage of Discover Cashback Match (called Unlimited Bonus with the Discover it® Miles).

☆ Discover it Balance Transfer card review: Get an introductory 0% APR on balance transfers for 18 months and earn up to 5% cash back with no annual fee
▼ + stars: | 2021-10-28 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +23 min

Discover it® Balance Transfer 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Intro offer Unlimited Cashback Match - only from Discover. Read more: The best Discover credit cardsThe Discover it® Balance Transfer is one exception. With the 0% intro APR on balance transfers, there's an intro balance transfer fee of 3% of the amount of each transfer. After that, a balance transfer fee of 5% of the amount of each transfer applies. Fortunately, all Discover cards, including the Discover it® Balance Transfer, do not add these fees.

Insider's Featured Small Business Cards Ink Business Unlimited® Credit CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Discover it Business card the best credit card for your small business? Many business owners want a credit card to use for purchases related to their business, and having a credit card is an easy way to keep business purchases separate from personal accounts. Alternatives to the Discover it Business Credit CardThe card that's closest to the Discover it® Business Card is the Ink Business Unlimited® Credit Card, which also earns a flat 1.5% cash back on every purchase. Here's our comparison of the Chase Ink Business Unlimited and Chase Ink Business Cash card for more information.

The Discover it® Student chrome can be a great starter card to help you build credit while learning how to responsibly use a credit card. Discover it® Student chrome 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Discover it Student chrome the best credit card for you? Who should and shouldn't consider the Discover It chrome for StudentsThis almost goes without saying, but the Discover it® Student chrome is best for ... students. Discover it® Student chrome 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover.

☆ Selectare a 3 instituții în vederea creării Centrelor Regionale de Excelență în domeniul Educației Antreprenoriale.
▼ + stars: | 2021-04-19 | by ( Alte Articole | ) www.civic.md time to read: +6 min

Junior Achievement Moldova, cu susținerea oferită de Agenția Statelor Unite pentru Dezvoltare Internațională (USAID) anunță un CONCURS de selectare a 3 instituții din centrul, nordul și sudul Republicii Moldova în vederea creării Centrelor Regionale de Excelență în domeniul Educației Antreprenoriale. Ce vor oferi Centrele Regionale de Excelență în domeniul Educației Antreprenoriale? Disponibilitatea cadrelor didactice de a participa la instruiri și de a realiza activități de predare a disciplinelor ce tin de domeniul educației economice și antreprenoriale, aprobate de Ministerul Educației, Culturii și Cercetării. Experiența institutională în implementarea programelor JA Moldova sau a altor activități în domeniul de antreprenoriat și/sau economic reprezintă un avantaj. Dosarul pentru participare la CONCURS se va expedia în format electronic, la adresa de email: jamoldova@gmail.com cu mențiunea ”Aplicare_Concursul Centrelor Regionale de Excelență”.

Organizations: Achievement Moldova, Agenția Statelor Unite, Educației, Junior Achievement Moldova, Ministerul Educației, Culturii, Cercetării Locations: Republicii Moldova, Europa, Eurasia, Republica Moldova, Moldova

Proiectul TEKWILL, în parteneriat cu Ministerul Educației, Culturii și Cercetării al Republicii Moldova a semnat parteneriate de colaborare cu gigantul IT INTEL și Junior Achievement Moldova, pentru predarea noilor discipline în liceele din țară. Cursurile fac parte din programul „Tekwill în fiecare școală”, implementat de către proiectul TEKWILL, cu susținerea partenerilor externi de dezvoltare USAID Moldova și Suedia. Datorită acestei colaborări, tinerii din instituțiile de învățământ din țară vor avea acces la o curriculă dezvoltată de cei mai buni specialiști din lume. Este o inițiativă care îmbogățește experiența profesorilor și a elevilor, o treaptă pentru dezvoltarea abilităților antreprenoriale, digitale și creative, în rândul tinerilor motivându-i să creeze soluții și produse inovatoare societății. Credem că, implicarea elevilor cât mai devreme în lumea științei și a tehnologiilor digitale va fortifica societatea noastră.

Persons: Ana Chirița, Michal Dzoga, Sofia Organizations: Mobile, Ministerul Educației, Culturii, Cercetării, INTEL, Junior Achievement Moldova, Compania INTEL, Junior Achievement, IT, PNUD Locations: Republicii Moldova, Moldova, Suedia, RM, Suediei, Sofia Zaim, Republica Moldova, EU4Moldova, PNUD Moldova

☆ „Generația Inteligenței Financiare.” Campanie națională de educație financiară dedicată elevilor
▼ + stars: | 2021-03-22 | by ( Onixmedia Srl | ) diez.md time to read: +6 min

Campania „Generația Inteligenței Financiare” reprezintă continuitatea proiectului dedicat educației financiare „Află Totul despre Bani”, desfășurat în perioada octombrie 2019 – decembrie 2020. „Campania pe care o lansăm acum reprezintă o provocare și mai responsabilă deoarece are în prim-plan deprinderile și obiceiurile financiare sănătoase ale elevilor. Proiectul „Generația Inteligenței Financiare” va oferi accesibilitate elevilor din țară la unele materiale educaționale care vor putea fi utilizate în format digital, acesta fiind și unul din scopurile de bază ale campaniei. „În această perioadă am marcat și Ziua Mondială a Drepturilor Consumatorilor, prilej pentru a accentua gradul de conștientizare la nivel național a drepturilor și necesităților consumatorilor. Prin urmare, deși campania este destinată, în mod primordial, elevilor și studenților, aceasta vizează și publicul larg în care se încadrează: părinții/bunicii/tutela elevilor, mass media, instituțiile de stat și autoritățile de reglementare, societatea civilă, ONG-urile relevante precum și comunitatea de afaceri.

Persons: Lilian Guzun Organizations: Ministerul Educației Culturii, Cercetării, Junior Achievement Moldova, Agenția, Moldova, Educației, Culturii, Ziua Mondială, Achievement Moldova Locations: Republicii Moldova, Moldova, Republica Moldova

☆ (foto) Demo Day. Care sunt cele nouă idei inovatoare ce au absolvit programul educațional Startup School
▼ + stars: | 2020-12-24 | by ( Onixmedia Srl | ) diez.md time to read: +3 min

Care sunt cele nouă idei inovatoare ce au absolvit programul educațional Startup SchoolCare poate fi cea mai îndrăzneață idee de startup tehnologic? Ieri, 23 decembrie, în cadrul evenimentului de absolvire și Demo Day la Startup School am aflat ce fel de proiecte au conceptualizat participanții din program timp de două luni, într-un program educațional complet online. Prima ediție a fost în 2018, iar anul curent a fost ediția II-a. Locul 1 – MindNestMindnest platforma ce are ca scop îmbunătățirea sănătății mintale a tinerilor și a inteligenței emoționale. Startup School este organizat de acceleratorul de inovație și antreprenoriat Dreamups, partener general, Orange Systems, cu suportul EFSE Entrepreneurship Academy, Librăriei Bestseller și Tucano.

Persons: Rotaru Organizations: Startup, Junior Achievement Moldova, Online School Online School, Orange Systems Locations: Startup, Republica Moldova, Chișinău

☆ Sunt 15 ani de când METRO face lumea mai bună! Sărbătorim împreună, cu premii prietenoase mediului — Moldova.org
▼ + stars: | 2019-08-13 | by ( Autor Invitat | ) www.moldova.org time to read: +8 min

Este convingerea METRO Moldova care, de 15 ani, consideră că responsabilitatea socială este la fel de importantă ca și succesul în afaceri. În acest sens, METRO organizează mai multe acțiuni menite să contribuie la dezvoltarea industriei ospitaliere din Moldova. Promovarea diversității, a șanselor egale și a toleranței sunt câteva dintre valorile declarate ale METRO. De asemenea, METRO a susținut și o campanie de informare în acest sens. De asemenea, METRO a susținut și o campanie de informare în acest sens.

Persons: Regina, Legrand Organizations: METRO Moldova, Națiunilor Unite, Social, Corporativă, METRO, Moldova, Concordia, Caritas Locations: Națiunilor, Moldova, Food, Republicii Moldova, Chișinău

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