BUDGET DEFECIT EXPECTED TO DECREASE THIS YEAR!!

Teaching Seminars 8/10-12/23 and 08/3-5/22

SAVE THE DATES

JUNE20, 2023
JUNE 28, 2022

APRIL 19,2023
APRIL 18, 2022

NATIONAL FINANCIAL LITERACY DAY
PLEASE JOIN US ON CAPITOL HILL
FINANCIAL LITERACY EDUCATION,
AWARENESS AND CHANGE

SAVE THE DATES

FRIDAY, APRIL 11, 2019
FRIDAY, APRIL 27, 2018
TUESDAY, APRIL 10, 2017
TUESDAY APRIL 12, 2016

NATIONAL TEACH CHILDREN TO SAVE DAY
AMERICAN BANKERS ASSOCIATION
PRESENTATIONS AT SCHOOLS ACROSS AMERICA

AMERICA SAVES WEEK February 24 - 28, 2019
AMERICA SAVES WEEK February 26 - March 1, 2018

TEACHERS SEMINARS

JULY 14th-18th 2019
JULY 8st-12th 2018
JULY 16th - 20th 2017
JULY 11th - 14th, 2016

TEACH THE TEACHER SEMINARS

JULY 28 - AUGUST 1, 2019
JULY 29-AUGUST 2, 2018
AUGUST 6-10 2017
AUGUST 1-5 2016

W!SE CHEF NIGHT OUT
SERVING FINANCIAL LITERACY

TBD OCTOBER 2020
MAY 15th 2019
MAY 21th 2018
MAY 7th 2017

TAKING CHARGE OF YOUR FINANCIAL FUTURE

1. SET YOUR FINANCIAL GOALS

Most people who have money didn't get it overnight. They set goals and work hard to reach them.

Try this - Establish your long and short
term and write them down.

Set due dates for reaching your goals and
evaluate your progress after 6 months.

2. DEVELOP A BUDGET

Track you inflows and outflows of money.

Try this - Use a spreadsheet to analyze your
income and your expenses - - include
all sources of income, all expense
line items, an emergency fund and
goal funding accounts.

3. START SAVING

Small amounts of money saved regularly add up fast. Compound interest, which helps you earn interest on interest, will make your savings grow even faster.

Try this: Open a savings account and have part
of your paycheck deposited directly
into your savings account every month.

- Shop for the best interest rates;
- Understand all fees and charges;
- Take advantage of your company's
401(k) and invest in the maximum possible;
- As your income rises, increase the % you save
- Know that the greater the potentialprofit on an investment, the greater the potential risk of losing your money;
- The earlier you start saving, the more you will have later.

4. MANAGE CREDIT WISELY

Borrowing can help you meet your lone-term goals for an education, car or home. But borrowing for day-to-day needs and wants gets many people into financial trouble.

Try this: Before using your credit card, ask
yourself if you really need this item
enough to borrow the money

- Avoid spur-of-the-moment buys
- Do NOT go shopping
- Limit your monthly spending to expenses that you
have budgeted
- Pay more than the credit card minimum

It would take 61 years to pay off a $5,000 credit card balance if you make only the minium monthly payment and you would pay $16,000 in interest!!!!

5. PROTECT YOUR CREDIT RATING

Lenders use credit reports to decide whether to loan money. Insurance companies, landlords and employers also check credit reports. A report that shows defaults or late paymetns - even 30 days late - can mean not getting a loan or paying a higher interest rate.

Try this: Find out your credit rating. Call a
credit bureau for a free copy of your
report. Pay bill on time, check
your credit report every year and
notify the credit bureau of errors.

6. ALWAYS GET THE BEST DEAL BY TAKING
CONTROL OF YOUR FINANCES

HOW TO MANAGE MONEY AS A COUPLE

(SEE POST 6/13)

1) FOCUS ON AN OVERALL VISION AND MONEY PLAN
2) TALK, TALK, TALK
3) FIND THE BALANCE OF POWER AROUND MONEY
4) MAKE DECISIONS TOGETHER
5) DEFINE YOUR MONEY MANAGEMENT SYSTEM
6) ADDRESS PROBLEMS
7) PERFORM ANNUAL CHECKUPS
8) TALK A LITTLE MORE

APPEARANCES

October 23, 2023NY Cares Day

January 2023

4 ING NYC Marathon Expo
4 Team Livestrong
4 Team for Kids
5 ACS Team - Relay for Life
5 Leukemia and Lymphoma Team in Training
7 Al Gordon 10K Shelly's Smile
11 Central Bankers Presentation
18 NJ Bankers Presentation
20 Fred Lebow Half Marathon Shelly's Smile
23-24 NYC Food Bank
25 Peter's Church Soup Kitchen
26 NYC Meals on Wheels
27-28 Grand Central Station Coat Drive

FEBRUARY

2 Global Learning Initiative Cooperative School
3 Race to Deliver Shelly's Smile
5 New York Cares Winter Banquet
7-14 NYCares Income Tax Prep Training
8,9,13 NYC Early AM Math Games
14 Toys for Tots Collection
15 Financial Literacy Class Queens
15-22 Basel/Vienna Financial Literacy Tour
23 Radio City Music Hall
23 Ice Skating in Rockefeller Center for ACS
27-31 New York Cares Coat Drive Penn
31 NYRR Emerald Nuts Run Shelly's Smile

JANUARY 2022

5 St. Francis X Soup Kitchen
6 NYRR New Balance Field Games
9 Fred Lebow Classic Shelly's Smile
11 PS 6 Financial Literacy Class - Credit
13 PS 158 Financing a College Education
16 Estelle's Trunk Show
17 NYCares Coat Sorting
17 NYC Food Bank
18 Athletes for Life Blood Drive
19 NYRR Half Marathon CP Shelly's Smile
24 Bank IT PS 124 NYC
25 Early AM Math Games PS 282
26-27 Dollars & Sense PS 124
27 Murray Hill Collegiate - Finance Jobs
30 Financial Literacy Workshop Q
31 Early AM Math Games PS 184

FEBRUARY
1 Empire State Bldg Run-up Shelly's Smile
4 Bank IT Shuan Wen School
4 RED CONNECT at Macy's Herald Square
5 Estelle's Trunk Show
6 Gridiron Run for Shelly's Smile
7 St. Francis Soup Kitchen
7 Early AM Math Games PS 124
9 Early Morning Reading
11 American Heart Association Heart Boutique
13 St Francis Soup Kitchen
20 GO RED Luncheon in NYC
26 The Queens Corner Networking Event

MARCH
3 New York Cares The Soiree
6 Coogan Salsa Blue for Shelly's Smile
11 NYC Financial Literacy Presentation
14-17 Anaheim, CA BANKERS Presentation
17-19 San Juan Ironman Expo
20 San Juan Ironman
24 Bank IT PS 124
24 NYRR Colon Cancer Race Shelly's Smile
27 Strike out Lupus

APRIL
3 MORE Marathon NYC Shelly's Smile
12 Teach Children to Save Event NYC
15 Financial Literacy Event Capitol Hill
18-22 BANK It - PS 6, 183, 82, 109, 124
23 Citibank - Children's Saving Event
23 NYRR Run as One Lung Cancer Shelly's Smile
30 St Peter's Soup Kitchen

MAY
2 Bank IT PS 6
3 Bank IT PS 183
4 Bank IT PS 124
5 Early Math Games PS 183
10 St Peter's Soup Kitchen
11 Central Bankers Presentation
14 UAE Healthy Kidney Run Central Park Shelly's Smile
15 AIDS walk for Shelly's Smile
15-27 DC Alliance Presentation
16 Discussion with Congressman Joseph Crowley on Financial Literacy Education in NY Schools
17 Meeting with Nicole Cohen on Financial Literacy in Cannon
17 Book Signing at Starbucks on Pennsylvania Avenue
23 Meeting with Congresswoman Carolyn McCarthy's rep on Financial Literacy
27 Bank PS 6
31 Financial Literacy Presentation to Great Neck North HS

JUNE
1 Money Management Presentation New Utrecht High School
2 Budgeting Seminars to Farmingdale High School
2 Credit Basics Seminars to Bethpage High School
2 Seminar on Affording College to LaSalle Regional parents.
3 Money Management Presentation to PS 49 Cambria Height
3 Credit Seminars to HS for Mathematics, Science Research & Techology
6 St. Peters Soup Kitchen
10 Los Angeles Bankers Presentation
15 MAST H.S. Commencement Address - Keynote Speaker
22-26 Couer d'Alene Ironman Expo
26 Couer d'Alene Ironman
27 Achilles Hope and Possibility Run Shelly's Smile

JULY
3 St. Peters Soup Kitchen
7 Meeting with Citibank's Regional SVP -Teach Kids to Save
9 Boomer's Cystic Fibrosis Run to Breath thru Shellys Smile
11-15 Jumpstart and W!se - Teach the Teachers
18-23 Mrs. International Pageant
25-29 TEACH THE TEACHERS Seminar

AUGUST
1-5 FRB TEACH THE TEACHERS
7 Citibank - Teach Kids to Save Day
16 DC Bankers Presentation FL
29-31 Florida Bankers Presentation

SEPTEMBER
2 St. Peter's Soup Kitchen
10 Ronald McDonald House Race and Visit
11-15 Jumpstart Revisit FL Curriculum
17 Operation Hope Literacy Presentation
18 BANK It! PS 124, 6,1 183
26 W!SE Gala - Auction
29- Mrs Ny International Pageant

OCTOBER
2 Divas Half for Colon Cancer thur Shelly's Smile
11 St Peter's Soup Kitchen
17-21 Virginia Bankers Presentation
28 New Jersey Bankers Panel
30 Marine Corps Marathon Shelly's Smile

NOVEMBER
4 Forest Hill HS Financial Literacy Presentation
7 NYC Marathon for Shelly's Smile
9-10 BANK IT PS 158
14 St Peter's Soup Kitchen
14 Jump$tart Gala
20 Operation Hope Dinner

December
2 The Global Leadership HS Financial Literarcy Class
3-12 Zurich and Basel - Presentation to Swiss Bankers
5 NYC RR Race to Deliver
13 St Peter's Soup Kitchen
14-15 BANK IT - PS 6
13-14 Toys for Tots NYC
27-30 New York Cares Coat Drive NYC
31 Emerald Nuts Run in Central Park Shelly's Smile

JANUARY 2021
9, 10, 16 Early Morning Math Games PS 282, 158 and 124
13 & 27 Murray Hill Academy Financial Literacy Class
31 Bank It - PS 282 and 124

FEBRUARY
1, 6, 15, 20 Early Morning Math Games PS 6 and MAST
8, 15, 22, 29 Benefits Committee for Chef's Night
17 Richmond High School - Credit and Budgeting
24 NYRR AL Gordon Benefit Run in Prospect Park
27 Susan E. Wagner HS - Financing College
28, 29 Bank It - PS 6, MAST, Elias Stroud and IS 268

MARCH
7, 14, 21, 29 Benefits Committee for Financial Literacy Event
9 Brooklyn Collegiate High School - Investing
15 Elias Stroud Middle School - Budgeting
18 NYRR NYC Half Marathon for "R Babies"
22-29 San Francisco Bankers Conference and Financial Literacy Presentation
30 FDR High School - Banking and Wealth Accumulation

APRIL
1 NYRR UES COLON CANCER CHALLENGE 15K -ACS
15-20 National Financial Literacy Day and Dinner in DC
19 Elias Stroud Middle School - Banking
21 Teach a Kid to Save Day in NYC
22-27 Las Vegas Bankers Conference and Financial Literacy Presentation

MAY
2-10 St. George Ironman Shelly's Smile Charity Event Week
14-18 Early Math Games at PS 6, 124, 282, 183, 114 Credit Presentation at MAST High School
15th Chef's Night Out - Serving up Financial Literacy Benefit
21 Investing Presentation at Elijah Stroud High
29 Central Bankers Presentation
31st Wall Street Run AHS thru Shelly's Smile

JUNE
2 Teach a Child to Save Presentation at Citi
16 Commencement Speaker at MAST High
17 Portugal Day Race for Shelly's Smile
23 Front Runners Race for Shelly's Smile
28 ARNP

JULY
7 St Peter's Soup Kitchen
9 Illinois Bankers Presentation
14 Central Park Conservancy Run
15-20 Interagency Conference MO
16 Financial Literacy Seminar MO Bankers

AUGUST
1 St. Peter's Soup Kitchen
3 Presentation at Foreclosure Clinic NYC
15 New York Cares Volunteers Presentation
21 Boomer's Cystic Fibrosis thru Shelly's Smile
25 ARIVA Credit Counseling - Harlem, NYC
27-29 Teach the Teachers Seminar NYC

SEPTEMBER
10-14 Teach the Teachers WASHINGTON, DC
12 Presentation to the DC BANKERS ASSOCIATION
22 RACE FOR ACS - NYC
28 Greta's Race for Shelly's Smile
29 Mrs. NY Internationa; Pageant

OCTOBER
8 School Supplies Rally for the Needy
9 RACE FOR THE CURE NYC
12-13 Norwegian Festival for Change
14-19 TEACH THE TEACHERS North Carolina
15 Presentation to the North Carolina Bankers
22-28 ING NYC Marathon Training with Fred's Team

NOVEMBER
1-3 NYC Marathon Expo-Livestrong, Hole in the Wall; DetermiNation;Relay for Life Booths
4 NYC Marathon Celebrity Runner
6-8 School of Ethical Cultural (Financing a College Education)
12 PS 6 Early Morning Math Games
19 The Collegiate School (Economics and Budgeting)
20 PS 158 (Personal Finance)
26 MSRT Magnet Early Morning Math and Reading Games

DECEMBER
3 The Vocational School Queens (Personal Finance)
7 St. Davids (Financing a College Education)
11 PS 6 Early Morning Math Games
18 University Neighborhood School (Credit and Budgeting)
19 PS 183 (Financing a College Education)
31 NYRR Emerald Nuts Run for the National Kidney

2017

JANUARY
7 PS 6 Early Morning Math Games
8 St. Peter's Soup Kitchen
11 PS 158 NY Cares - BANK IT
15 Murray Hill Academy - Financial Literacy Talk
23 PS 282 Early Morning Math Games
27 NYRR Manhattan Half Marathon
30 MAST Queens - Financing a College Education

FEBRUARY
3 NYRR Gridiron Race for Feeding America
5 St. Peter's Soup Kitchen
6 PS 6 Early Morning Math Games
7 World Journaliam Prep Financing College
11 PS 158 BANK IT
12 W!SE Breakfast for Volunteers
17 ALEXA's BIRTHDAY CELEBRATION!!
22 MAST Career Day Queens
23 NYRR Al Gordon Race for ACS
25-28 AMERICA SAVES WEEK DC

MARCH
3 NYRR COOGAN'S RACE FOR ACS
5 St. Peter's Soup Kitchen
9 Mrs. NJ International Pageant
13 Murry Bergtraun HS (Saving your money)
15 JUSTIN's BIRTHDAY CELEBRATION
17 SAN JUAN HALF IRONMAN COMPETITION
23 Mrs Pennsylvania International Pageant
26 PS 6 Early Morning Math Games
28 PS 158 NY CARES BANK IT

APRIL
2 St. Peter's Soup Kitchen
6 NYRR Scotland Run for Feeding America
7 NYRR ACS COLON CANCER RACE
8 PS 6 Early Morning Math Games
14 MORE HALF MARATHON
15 PS 158 Bank It
21 NYRR RUN FOR THE PARKS
28 NYRR RUN AS ONE (LUNG CANCER)
23 National Financial Literacy Day
25 Financial Literacy Day Dinner DC
26 FINANCIAL LITERACY DAY in DC

MAY
5 Ms. NY Senior America Pageant
6 PS 6 Early Morning Math Games
7 St Peter's Soup Kitchen
9 MAST H.S. (Your Credit Matters)
13 Susan E Wagner (Budgeting)
14 PS 158 NY Cares BANK IT
15 W!SE CHEF'S NIGHT OUT CHARITY
19 Lanzarotte Ironman (Scott)

JUNE
4 St. Peter's Soup Kitchen
6 P.S. 6 Early Morning Games
11 P.S. 158 NY Cares BANK IT
12-14 P.S. Career Week Presentation
20 NAFE Financial Literacy Seminar

JULY
2 St. Peter's Soup Kitchen
8-12 Teach the Teachers (Financial Literacy)
16 Junior League Financial Literacy Series
21 Boomer's Run to Breathe NY
22-26 W1SE curriculum review
27 Cherry Blossom Run for Children's
Miracle Network DC

AUGUST
2 St. Peter's Soup Kitchen
4-9 MWI International
15 Junior League Financial Literacy Series
17 NYRR Time Trials
22 NYC Gallery Art Show & Reception

SEPTEMBER
3 St. Peter's Soup Kitchen
16 P.S. 6 Early Morning Math Games
18 P.S. 158 NY Cares Bank It

OCTOBER
1 St. Peter's Soup Kitchen
14 P.S. 82 Early Morning Math Games
18 P.S. 109 NY Cares Bank It
21 Hershey Half Marathon

NOVEMBER
5 St. Peter's Soup Kitchen
7 NYRR NYC MARATHON EXPO
10 ING NYC MARATHON
11 P.S. 183 Early Morning Math Games
13 P.S. 124 NY Cares Bank It

DECEMBER
3 St. Peter's Soup Kitchen
16 P.S. 158 Early Morning Math Games
18 P.S. 138 New York Cares Bank It
31 NYRR Emerald Nuts Run for ACS

JANUARY 2016
5 St Peter's Soup Kitchen
11 Joe Kleinerman 10K for Shelly's Smile
13-15 W!SE Financial Literacy Test Writing
26 Fred Lebow 1/2 Marathon for Shelly's Smile
28 P..S.6 Bank It!

FEBRUARY
2 NYRR Gridiron
4 Atlanta FRB Presentation on Financial Literacy
11-13 W!SE Euro Challenge High School Mentoring
14 PS 158 New York Cares Bank It!
16 St Malachy's Soup Kitchen
18 PS 183 New York Cares Bank It!
24-26 W!SE TEST REVIEW

MARCH
1, 8, 15, 22 BRCU Tax Preparation for Seniors
2 NYRR Salsa Run for ALS
10 W!SE TEST PREP FOR HS Jrs and Srs
14 Judge at the W!SE Euro Challenge Semi-Finals
16 NYC half Marathon for Shelly's Smile
23 St Malchy's Soup Kitchen
29 NY Public Library Tax Seminar for Seniors

APRIL
5 Carver Financial Literacy Center - free tax prep
5 St Peter's Soup Kitchen
6 NYRR Run for the Parks for Central Park Conservation
7 NYSE W!SE 100 Best High School Presentation
10 FINANCIAL LITERACY DAY ON CAPITAL HILL
13 SAN JUAN half Ironman
27 NYRR RUN AS ONE for Corbett Lung Cancer Charity
29 W!SE EURO CHALLENGE FINALS
30 NEW YORK CARES BANK IT!

MAY
5 Judging White Paper for W!SE Quality of Life Challenge
10 NYRR UAE Heathy Kidney 10k for National Kidney
10 Judging W!SE Quality of Life Presentation - 1st rd
11 Mother's Day Japan Run and Lexy's Video in NYC
15 Financial Literacy Presentation - Central Bankers Intl
17 Judging W!SE Quality of Life Presentations -2nd rd
19, 21, 28 - Financial Literacy Test Preparation
30 A2D Financial Literacy Presentation Brookdale

JUNE
1 ISRAEL RUN for the Shelly's Smile
1 Walk Now for Autism Speaks
2-6 Atlanta Federal Reserve Bank Presentation
7 Mrs New York America Seminar
8 St Peter's Soup Kitchen
11-12 Career Day at H.S. of Economics and Finance
16-18 Finance Career Day at PS 6/158/183

JULY

6 NYRR Race for a cure for Cystic Fibrosis
13 NYRR Empire Games for Sheilly's Smile
14-18 Teach the Teachers Week
28-1 Teach the Teachers Week
28 St Peter's Soup Kitchen'

AUGUST
1-15 2015 Financial Literacy Test Reviews atW!SE
5 NOWSA Black and White Party

SEPTEMBER
9 Miss Long Island Pageant
10-13 Team Archilles NYRR races
17 MMG
23 High School of Economics & Finance
26-28 Darmouth Alumni Rugby and Weekend

OCTOBER
1 High School of Economics & Finance
5 St Peter's Soup Kitchen
8 High School of Economics & Finance
15 High School of Economics & Fiannce
17 ACS - Breast Cancer Walk
19 Photoshoot with Lenka
22 High School of Economics & Fiannce
29 High School of Economics & Finance

SHEILA MCKINNEY - MS. USA ELITE UNIVERSE TCP

Sheila McKinney

Wednesday, April 30, 2014

BUDGET DEFECIT EXPECTED TO DECREASE THIS YEAR!!