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Financial Training For Teens Makes Dollars And Sense

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Financial Training For Teens Makes Dollars And Sense

According to a new poll, as they get older, a growing number of American teens own credit and debit cards-and the way many manage them has some people concerned.

For example, among teens ages 13-14, only 5 percent reported owning credit cards. Yet at age 17, the percentage of ownership climbs to just under 10 percent and then doubles again to nearly 20 percent for teens 18 or older.

What many find alarming is that 15.7 percent of teens who own credit cards make only the minimum payment due. At that rate, it would take a teen more than nine years to pay off a $1,000 balance on a credit card with an 18 percent annual interest rate.

These are some of the key findings of the 2006 Interprise™ Poll on Teens and Personal Finance conducted by JA Worldwide™ (Junior Achievement) and The Allstate Foundation.

Experts also point to the fact that the fastest-growing group of bankruptcy filers is 25 years of age or younger as a cause for concern and as evidence that there's a need for financial education for teens.

The poll results were announced by U.S. Treasury Deputy Assistant Secretary of Financial Education Dan Iannicola Jr. and JA Worldwide President and Chief Executive Officer David S. Chernow.

Said Chernow, "Given the skyrocketing bankruptcy rate and the staggering amount of debt being carried by the average American family, the time is now for students to learn critical money management skills. JA Worldwide is proud to join with The Allstate Foundation to help educate our nation's youth in this essential area."

Earlier this month, Treasury Secretary John Snow and U.S. Treasurer Ana Cabral unveiled the new national financial literacy strategy entitled Taking Ownership of the Future. JA Worldwide is included in the strategy as a key provider of financial education to young people in grades K-12.

For complete results of the 2006 Interprise™ Poll on Teens and Personal Finance, visit www.ja.org. For a copy of the Financial Literacy and Education Commission's new strategy, visit www.mymoney.gov.

JA Worldwide is the world's largest organization dedicated to educating young people about business, economics and entrepreneurship. Today, it reaches approximately 4 million students in the United States, plus more than 3 million students worldwide.
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BONUS : Finding The Right Adoption Agency

Adoption services and agencies are one of the most remarkable services in the world, because of the emotions involved. These are places where families who have been longing for years to have a child of their own are matched with children who have been orphaned by circumstances and in need of what they can call a family of their own. Adoption services have brought so much relief and happiness to an untold number of people worldwide. Adopting a child is always a joyful thing to both the adoptive parents and the adopted child but it's not all roses. The adoption process can also be a frustrating and confusing experience; therefore, it is always very important to make the right choice of adoption agency. There are several things that should be considered before deciding that an adoption agency is good enough for you.

Adoption agencies are usually licensed by the state authority and are subjected to rigorous inspections and regulations, which are carried out periodically, to ensure optimum services. Most agencies have staff scattered in different countries of the world who are on the agency's regular payroll. These staff members are required to aid international adoption. Such an arrangement is better than hiring individuals who only work in cooperation with the agency. An agency with international staff strength is bound to be more effective. This an important question to ask when dealing with an adoption agency, especially one that claims to be international in operation.

Another thing to consider when going in search of an adoption service is your budget. The whole process make a hole in your pocket, especially when you are not so buoyant financially. Depending on your pocket, your choice of service could vary. For those with a large budget, a private sector agency would be the best option. These agencies would help you research potential children available for adoption based on your criteria, however, the limitation to the use of such service is the price involved. Most families will not be able to afford such services in addition to adoption fees, travel costs, and other costs associated with adopting a child. A more budget-friendly option is the not-for-profit sources and social service agencies.

Nevertheless, whatever your budget and choice of adoption service, before opting for an adoption service, you will have to consider what you know about the agency. Where are they located and what service would they provide to you? Are they affiliated with government agencies, healthcare services or churches? The more that you know about the service, the better you can be prepared. To get first hand information on whatever service you want to use, you may have to first contact your state's licensing office to see if the agency's license is up to date. The Better Business Bureau (BBB) would be a good place to see if the agency has had any serious case files against it. You could also surf the Internet and make contacts with individuals who have used this particular agency's service in the past and hear what they think of it. You will find several chat rooms and news bulletin board that allow such communication and contacts.

Alternatively, you could request a list of previous clients from the agency itself, arrange to meet them and hear what they think of the agency and how satisfied they were with their service. No information is too much to protect you from the heartbreak that accompanies a failed adoption attempt.

In addition, an adoption agency should not mind telling you how they operate. You need to know what process they follow in connecting you with the baby you want to adopt. You have to know how the children and parents are selected and what you need to do to be qualified for the service. You also need to know what the agency does for legal matters. How involved do they want to be, legally? For instance, what happens when the birth mother decides to change her mind? Will the adoption agency handle the legal paperwork for you, or are they going to leave you to your fate. You have to know the roles of the birth parents in the whole process, to avoid interference from them when the adoption process is over. You deserve privacy and freedom with your adopted child, just like any other parent. You will also have to know where the babies are coming from and how they were gotten; to be sure it's completely legal.

You will need this, and much more information, to choose the right adoption service and to ensure that you will be getting an excellent service and a flawless and joyful adoption experience.
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