1. Welcome to Volunteer Training Please sign the back of your Volunteer Registration Form

2. Volunteer Role Provide guidance to students Facilitate activities Monitor student progress Collect necessary materials at end of day (Calculators!!)

3. Daily Schedule MEETING

4. THE TRUTH REVEALED (45 Minutes)

5. Student Portfolio Make sure students place Name and Account # on Portfolio

6. VOLUNTEERS: 4 TASKS GIVE DEBIT CARD TO CORRECT STUDENT GIVE DEBIT CARD TO CORRECT STUDENT READ LUCKY CHANCE (ADDITIONAL INCOME) READ LUCKY CHANCE (ADDITIONAL INCOME) CHECK THE 2 ND PAGE ( Net Monthly Income) FOR CORRECT NMI CHECK THE 2 ND PAGE ( Net Monthly Income) FOR CORRECT NMI LET THE STUDENTS CHECK THEIR BUDGET & REGISTER; COLUMNS 1&2 ONLY LET THE STUDENTS CHECK THEIR BUDGET & REGISTER; COLUMNS 1&2 ONLY

7. Life Situation Account# 102 PIN 5678 Age: 29 Ages of Children: 5,8 Married: No Business: Key Bank Group: 2 Gross Annual Income: $59,088 Fed Tax: $246 SS Tax: $148 Med Tax: $98 These cards are sitting in your businesses. The students already know what their place of business will be for the day. Solarity Credit Union

8. MOST IMPORTANT STEP FirstLastBusinessAccountPINLunch Jennifer EMejiaKey Bank –Group 1978274B Kinsey NicoleMillerKey Bank –Group 1982134B Bogdan PetrovchMosiychukKey Bank –Group 1991987B Kristina MarieNelsonKey Bank –Group 11001964B Cadence BrienneNickersonKey Bank –Group 11012579B Emily RoseOuelletteKey Bank –Group 11029641B Account# 102 PIN 5678 Age: 29 Ages of Children: 5,8 Married: No Business: Key Bank Group: 2 Gross Annual Income: $59,088 Fed Tax: $246 SS Tax: $148 Med Tax: $98 Solarity Credit Union

9. 1 ST STEP Students must sign in to receive credit

10. 2 ND Step: FIGURE NET MONTHLY INCOME 31,164 2,597 130 78 52 260 2,337 Gross Annual Income (GAI) From the life situation sticker GAI divided by 12 months Taxes from the back of debit card Total taxes Monthly income minus total taxes

12. Volunteer Initials Correct NMI $2,337 CLZ

13. NMI STUDENTS will complete Columns 1& 2 (minimums and maximums) 421561 70 164 23 $2,337 117

14. NMI 421561 70 164 23 $ 2,337 117 Students will self-correct (ONLY 10 DIFFERENT NMI’S: You have all of the answer keys in your volunteer binder) Minimums Maximums

15. ALL ANSWERS ARE ROUNDED TO THE NEAREST DOLLAR

16. The Truth Revealed- review How do students get their life situation? ((account #)) How do students get their life situation? ((account #)) What do the students need to do on the computer? What do the students need to do on the computer? How do the students know what lunch they attend? How do the students know what lunch they attend? Does everyone get a Lucky Chance? Does everyone get a Lucky Chance? Are the Unexpected Expenses/ Student Loans passed out now? Are the Unexpected Expenses/ Student Loans passed out now? What is Net Monthly Income (NMI)? What is Net Monthly Income (NMI)? ANSWER KEY Who corrects the worksheet? Who corrects the worksheet? ANSWER KEY Questions about the Truth Revealed? Questions about the Truth Revealed?

17. THE BIG SEARCH 60 minutes 60 minutes

18. Pick up pre- printed Bills from areas in this column Bills are printed from computer stations Check Marks the SPOT!

19. ‘THE BIG SEARCH’ – FINAL STEP Students MUST put bills in order from line 2, to line 18.

20. Stock Price Changes The Big Search - Opening The Budget Puzzle - Midday The Final Commitment Closing Stock Prices Change 3 Times

21. Investment Report Print your investment report in RBC Dain Rauscher Investing. Record the opening price of each share. Multiply the price per share by the amount of shares you own. Add the total value to determine your portfolio value. Total portfolio value l l l

22. Bills Can be collected in any orderBills Can be collected in any order Decisions on actual budget worksheet will be done later (Students should not work on the budget & register worksheet)Decisions on actual budget worksheet will be done later (Students should not work on the budget & register worksheet) Stocks Remind students to record Opening stock prices. ( if they miss opening or midday prices please read them their stock prices – answer key)Stocks Remind students to record Opening stock prices. ( if they miss opening or midday prices please read them their stock prices – answer key) Lunch Students will eat in the restaurant during this time according to their assigned group (A,B or C) – this information is on your excel spreadsheet.Lunch Students will eat in the restaurant during this time according to their assigned group (A,B or C) – this information is on your excel spreadsheet.

23. The Big Search- review What are students doing during the Big Search? What are students doing during the Big Search? What do the volunteers do during the Big Search? What do the volunteers do during the Big Search? Bills: Pre-printed vs. Computer Printed (left vs. right) Bills: Pre-printed vs. Computer Printed (left vs. right) Do students make any buying decisions during the big search? Do students make any buying decisions during the big search? Where/when do students eat lunch? Volunteers? Where/when do students eat lunch? Volunteers? What must students remember to go record? What must students remember to go record? Questions about the Big Search? Questions about the Big Search?

24. THE BUDGET PUZZLE

25. JA World Realty

26. 1 443205 102.00 46.00 148.00 Calculating insurance payment Write this amount onto your budget worksheet.

27. OR

28. #11 Yakima Regional At this point add up all your budget decisions. They should not total more than approximately 62% of your NMI. Write down this total. Step 3 - Budget decisions - check points #19 Unlucky or Student Loan Total the rest of your budget decisions(#12-#19). Write this total down.

29. Total A The sum of (#2 through #11) Not more than approximately 62% Total B The sum of (#12 through #19) Volunteer checks work and lets student proceed to payment phase. Step 3 - Budget decisions -check points Total A Total B NMI +

30. Savings Finance Park Challenge: Save 10% of your Net Monthly Income (NMI)

31. Budget Puzzle- review Who gets an Unexpected Expense or Student Loan? Who gets an Unexpected Expense or Student Loan? Why is it important that students put their bill sheets in order before making decisions? Why is it important that students put their bill sheets in order before making decisions? What can volunteers do to help during Budget Puzzle? What can volunteers do to help during Budget Puzzle? How much money should students have left after they have made all their decisions? How much money should students have left after they have made all their decisions? Students should also be sure to record and calculate MIDDAY STOCKS from the ticker. Students should also be sure to record and calculate MIDDAY STOCKS from the ticker. Questions about the Budget Puzzle? Questions about the Budget Puzzle?

32. THE FINAL COMMITMENT (Pay the bills)

33. …after they have balanced their budget…. Each student must go to the different business to pay their bills. Fiesta Foods Groceries

34. CHECK OUT at Checkout Kiosk Once the students have paid all their bills at each business, they will bring their folder to me at the Checkout Kiosk. Once the students have paid all their bills at each business, they will bring their folder to me at the Checkout Kiosk. I will check their work against the computer and give them final approval to move on to the budget register to check their work. I will check their work against the computer and give them final approval to move on to the budget register to check their work.

35. Checking with the register You are working in the shaded areas Subtract each entry from the previous balance on the shaded line. The final balance must be $0. 3,468 650 - 2,818 75 - 2,743 120 - 2,623

36. The Final Commitment- review What are students doing during this time? What are students doing during this time? Which worksheets must be completed before students start to pay their bills? Budget & Register Which worksheets must be completed before students start to pay their bills? Budget & Register Where is the unlucky or student loan bill paid? Where is the unlucky or student loan bill paid? Which stock prices should the student be recording at this time? Which stock prices should the student be recording at this time? Where do students ‘check out’? Where do students ‘check out’? What do students do once they have ‘checked out’ ? What do students do once they have ‘checked out’ ?

38. Closing Activities Have students clean up their business; unwanted paper is recycled, chairs stacked/organized Have students clean up their business; unwanted paper is recycled, chairs stacked/organized Turn in calculators to basket !!! Turn in calculators to basket !!! Complete evaluation form (blue) Complete evaluation form (blue) Return nametag Return nametag

39. *THANK YOU*

40. JA World Realty

41. Step 3 Budget Decision A+B -----------------  How much you have left ---  * They can have between $0 - $200 left over *

42. THE YELLOW CHECKBOOK REGISTER IS THE LEAST IMPORNTANT WORKSHEET!!!! **AFTER RECEIVING TWO STAMPS ON THEIR GREEN SHEET…. THEN THEY WORK ON THE YELLOW WORKSHEET.