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With Money Talks, you’ll be able to teach your teens about the basics of money: You’ve given your teens book smarts … Young adults today are … getting bad grades, dropping out of school, defaulting on student loans, losing jobs and future job opportunities, getting cars repossessed, maxing out an average of 3.5 credit cards, ruining their credit ratings, and filing bankruptcies at record rates. They’re moving back in with parents again and again — and parents are spending their own retirement funds trying to keep them out of even more financial trouble. Even worse, though, is the psychological impact of debt on today’s youth. It can result in depression, substance abuse, even suicide. Are your teens prepared for the real world? Do they know the value of a dollar? Do they think money grows on trees? If you think your teens already know about money, ask them. Most teens are terrified of money … and too scared to ask about it. Take the credit card quiz below to learn about a typical experience that could easily and quickly happen to your teens. And, if you think $20 is expensive for financial education, try paying credit card interest … Take this simple credit card quiz with your teens. 1. 19-year-old Joe received a credit card offer in the mail. He doesn’t have a job right now, Yes No The correct answer is “yes.” Joe doesn’t need a job, an income, or a parent’s signature to get a credit card issued in his name. He only needs to be 18 years old.
2. Joe has made a few payments on his credit card, but is late mailing in his most recent payment. It arrives at the credit card company one day late. His introductory rate was 5%. What will happen to his interest rate? Stays at 5% Increases to 18% Increases to 28% The correct answer is 28%. If Joe had read the fine print on the application, he would know
3. Joe charges $3,000 on his credit card for really important stuff, like pizza, gas, a great pair of jeans, a new stereo for his car, clothes for a girl he dated for 3 weeks … (You get the idea … ) At 28%, how long will take Joe to pay off that $3,000 if he only pays the minimum monthly payment? 3 years 20 years 110 years Amazingly, it will take Joe 110 years to pay off the original $3,000! He won’t live that long! (And that’s just on one credit card. On average, he’ll receive 8 offers his first semester out of high school. Imagine if he applied for — and received — all 8 cards with a $3,000 credit limit … Think he’ll ever be able to buy a new car, house, vacation, his own children’s college tuition?)
4. If Joe’s minimum monthly payment is $75, how much of his payment will be applied to his principal each month to pay off his credit card debt? Less than $5 $25 $50 5. Any idea how much interest Joe will pay to borrow that $3,000? $546 $10,283 $37,162 It will cost Joe almost $37,162 to borrow $3,000! Great deal for credit card companies. Not so great for Joe. (According to Suze Orman, credit card companies are averaging 155% increase in profits each year. Most companies are thrilled if they make a 10% increase. So, is it any wonder young adults are getting bombarded by credit card offers.)
If you failed this quiz, or if you’re shocked by the answers, you and your teens Make April the month you and your teens start learning about money And, you can start making money today, too! Join our affiliate program, send an e-mail to all your friends, It doesn’t get much easier than that to make a few bucks! Sign up today! |
Attn: Schools, Colleges & Youth Organizations
Dear Student Representative:
The statistics are staggering for young adults and the financial trouble they're getting into. For instance, did you know that more students quit college due to credit card debt than to academic failure? For those that do graduate, on average, they owe almost $20,000 in student loans - and another $2,700 to $10,000 in credit card debt - with no guaranteed job upon graduation. Can you imagine being nearly $30,000 in debt at the age of 22?
Did you know that students receive an average of 8 credit card offers their first week of college? No income necessary. With credit card holders aged 18 to 24, nearly 64% don't even know the interest rates they pay on their credit cards (most pay over 18%) - and they only pay the minimum monthly payment.
Here's the really staggering one: Did you know that more young adults file for bankruptcy than graduate from college? Nearly 7% of our nation's personal bankruptcies are filed by 15- to 25-year-olds, an increase of more than 50% for that age group in recent years.
Don't let these be the statistics for your students. Teach them about money before they get into financial trouble. Help them manage the money they'll earn with the education you've given them. Be pro-active ... not reactive!
How do we, as a community, respond and not just point fingers?
We have to teach students about money. It's no longer an option.
Book Sally Taylor's Money Talks! program and
your students will learn...
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the true costs of using credit cards
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how to manage their money by balancing their checkbook - and why they can't just call the bank for their balance
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the power of compounded interest - and how it can work for them by saving - or against them with credit card debt
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how to set up a simple system to pay bills on time - every time
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how a $7 pizza can cost $93
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what it will cost to move out - and stay out!
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how to avoid ATM fees
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how to plan for a new car, home, and vacation
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what they need vs. what they want
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what their credit report says to bankers, employers, insurance agents, and more
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how to avoid identity theft
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how to start building wealth and become a millionaire if they plan right
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and many more of the absolute must-have skills everyone needs to know, especially young adults just starting out.
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And, because I know you are an excellent money manager, you'll want to book your Money Talks! program by February 1, 2007. If you book now, I'll provide a second class FREE on the same day. That's too good a deal to pass up! And, another bonus is that I’m so easy to work with. I have my own equipment, travel expenses are all-inclusive, I can tailor a program to fit your needs, and I supply you with posters and marketing materials to make your day much easier! |
Book by February 1, 2007, |
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I look forward to setting up a personalized Money Talks! program for your students. Call to book your Money Talks! program today! It's an investment that will keep on returning!
SALLY S. TAYLOR
Award-Winning Author & Speaker
Silly Goose Productions, LLC
Book your program today!
Pick up the phone now and call 1-661-254-1553
or e-mail sally@onmyown.com.
Click here to download a PDF brochure.
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What students are saying about the Money Talks! class . "The class was very cool. It makes you think more about when you spend money and how to use it. [Sally Taylor] showed me a little about the world and how hard it can be - or how easy it can be. I'm going to be smart with my money." - Michael, age 17 "Money Talks! is awesome. [Sally Taylor] showed me . how over-confident I was [about money]." - Brian, high school senior ". the class was great! I learned a lot of stuff about money." - Jose, age 17 ". very informative course. I wish my friends would have seen it!" - Jessica, age 14 "I'm encouraged not to get a credit card now! I learned how important your credit rating is, information about check-writing, balancing a checkbook, and bill paying. It was very helpful." - Brendon, age 16 ". the class will help me in the future with paying bills and learning how to make money on my own. This class also taught me a lot of things about money that I never knew and nobody would have told me. Thank you for the experience." - Cynthia, age 21 "I learned the most from the investment section." - Ean, age 17 "I really liked the class. There were a lot of basic things I knew, but some I didn't, which turned out to be very important." - Kasey, age 17 "Bounced checks are horrible! It was good to learn about that. I like the example with the pizza. Thanks. It was great!" - Lindsey, age 20 "This course taught me a lot about money and is further proof that money makes the world go round. The knowledge I learned will help me be responsible." - Tom, age 20 "I enjoyed the class and learned a lot. It's still a little overwhelming and I'll have to continue to learn it all, but it was a very good and helpful start. I'm so glad I came and great job! Thank you." - Kirsten, age 18 "Now I write everything I have to pay . If it weren't for [Sally Taylor], I think I would be broke right now." - Citlalli, age 17 "Thank you for giving me encouragement to believe in my dreams and for inspiring me." - Laura, age 17 "[Sally Taylor] was very inspirational and taught me that I have something to offer in this world. I know that I am only one person out of all those students, but I believe if you can change the way one person thinks about themselves, then maybe you did something right." - Brooke, high school senior |
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Book Money Talks! by February 1, 2007 Sally Taylor Is An Internationally-Acclaimed Speaker, Author, | |
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• Lectures (any time of year) • Orientations / Welcome Week • Back-to-School Programs • Seminars & Workshops • Student Leadership Gatherings • Student Government Events • Greek-Sponsored Events • Housing & Residence Life Events • Commencements/ Graduations |
• Student / Teacher Conferences • Summer Programs (including Camps) • Academic, Athletic & Club Events • Economics / Finance Lectures • Banquets & Keynotes • Assemblies • Teacher In-Service Programs • Staff Development Programs • Any other function where an “outside” speaker is feasible |
Sally says, “If teens don’t learn to balance |
What adults are saying about the Money Talks! class … “… you’ll find [Money Talks!] a valuable resource when … you’re encountered by [a fist full of bills and bank statements in your mailbox]. I applaud you for [attending Money Talks! and] reading this book!” “This is information everyone needs to know, regardless of age. Knowing these seven basics could make the difference between surviving on one’s own or not.” “I was personally touched by your presentation …It is a challenge to work with the youth of the community and see them struggle with their lack of confidence and low self-esteem. Your words were inspiring and I felt that you are indeed making a difference in the lives of those you touch. I admire your commitment.” “Sally [Taylor] knows how to reach teenagers. She breaks money into simple steps that anyone can handle. And she tells them the truth about credit cards. It’s a real eye-opener for these teens.” “I enjoyed your presentation at the California Home School Conference and have found your book to be just as impressive and insightful as you are. I am bringing my 16-year-old son and his friend to your [money] presentation. I look forward to hearing you again.” “Sally [Taylor] did an excellent job of engaging the students by not only relating her thoughts and experiences, but encouraging them to share theirs.” “Sally [Taylor] made [the students] realize they have many skills already.” “Sally [Taylor] is dedicated and passionate about teaching our youth the real life after school.” “Learning how to handle your money is definitely a “life skill” that should be mandatory in every high school’s curriculum.” “In today’s world of Instant Messaging, cell phones, and the Internet, Money Talks! grabs the attention of teens. They don’t want to learn about money from parents or teachers, so Sally Taylor’s course is a gift!” “[Sally Taylor’s] mission is so important in this complicated world. Her enthusiasm is essential for young people to “hear” what they don’t know they need to hear.” “… easy to understand and thoroughly enjoyable, Sally Taylor has created a one-of-a-kind resource that will help you live your dream life today.” “… should be the basis for a class required by every high school student before graduation. The life tools contained in this book are priceless!” “I am currently working with my 24-year-old step-son. He has struggled since high school graduation with his finances and other related issues. This week, we are starting a joint budgeting plan to get him on track for managing his finances. Thanks for putting this together. It should be a mainstay in any young adult’s entry into the world.” “Thank you for putting ‘Mom and Dad’ in book form with advice young adults can actually use. Your book speaks for parents everywhere!”
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Sally keeps good company with others who believe
in teaching about money and responsibility.
 Sally and Maria Shriver discuss teaching her son, Peter, about money and investing. |
 Suze Orman and Sally discuss teaching young adults about money. |
 Sally and George Ross, Donald Trumps right-hand man, talk about teaching personal responsibility to teens. |
 Sally and Coach Carter speak at Experience College 2005 in L.A. to more than 7,000 teens and parents. |
Sponsor a Money Talks! program. Click here to learn how.
SALLY TAYLOR: SPEAKER • AUTHOR • TRAINER • CEO
Sally’s Mission: To help them start out with confidence!
Sally began her speaking career on Okinawa, Japan, in 1986 and has been training teens and young adults for nearly 20 years. Her informative “real life” stories and activities, as well as her unique ability to capture the attention and imagination of her audiences, leaves them motivated and inspired to want to succeed. She’ll show your students that they can reach their goals by applying simple steps …
Sally loves the quote, “Give a man a fish and he eats for a day. Teach a man to fish and he eats for a lifetime.” She strongly believes in empowering people and giving them the tools and confidence they need to succeed. She has devoted a great deal of time and energy to many youth organizations and has recently partnered with Barnes & Noble to reach a monthly teen writing class.
She owns three small businesses, has appeared on national radio and TV shows, has won numerous awards, including How-To Book of the Year and Best Reference Manual for her first book, On My Own:™ The Ultimate How-To Guide for Young Adults. She enjoys teaching life skills classes to teens and yound adults. She continues to write books and has recently started publishing books for others. She earned a Bachelor of Arts degree in Communications and Business and a Master of Science in Management. She also spent 10 years in the Kansas Air National Guard and is a Desert Storm veteran.
Pick up the phone and call 24/7 toll-free 1-866-635-1899 now!
SALLY TAYLOR:
Educational • Motivational • Entertaining • Life-Changing
Sally Taylor’s Most-Requested Programs
On My Own™ Series
Money Talks!™
Learn the 7 Simple Steps
to Manage Your
Money and Start Building Wealth
(Sally’s most-requested presentation.)
In this powerful presentation based on her top-selling book, Money Talks!, Sally gives students the basic foundation they need to know about money. She says, “If they don’t learn how to balance a checkbook, they’ll never make it to the ‘saving & investing’ part of life. They’ll never be able to buy a new car, a home, or save for retirement. We must teach them about money. It’s no longer an option ...”
7 Simple Steps To Manage Money
1. Writing a check
2. Using ATM & debit cards
3. Balancing a checkbook
4. Setting financial goals
5. Paying bills
6. Using credit cards wisely
7. Saving & investing
Objective: TO EMPOWER STUDENTS TO BE RESPONSIBLE MONEY MANAGERS!
Life Skills 101™
(Based on Sally’s award-winning book & CD-ROM,
On My Own:™ The Ultimate How-To Guide for Young Adults.)
Sally helps students answer questions they’re bound to face in the real world: How do I find an apartment, hook up utilities, find a roommate? How do credit cards work? How do I balance my checkbook? How do I pay for rent, food, gas, college -- and save for the future? How do I find affordable car insurance? How do I find a good job? What happened to all my money -- and what’s FICA? Sally says, “Basic life skills are not something we’re born with. They must be taught.”
“Every graduate in America needs this book.”
~ Augusta (GA) Chronicle
Objective: TO EMPOWER STUDENTS TO BE SUCCESSFUL AND RESPONSIBLE!
Dream Big™
It’s never too late for this presentation.
Sally presents powerful and effective goal-setting strategies in a simple, understandable format. Her step-by-step action plan for clarifying and achieving goals will help students of all ages. Discover what you believe in, what you like doing, what you’re best at. Sally says, “Dream big and never lose sight of your goals ... because nothing happens unless you dream it first! Anything is possible!” Sally inspires others to achieve their goals by teaching her two favorite mottos:
Action, not excuses.
Completion, not perfection.
7 Simple Steps To Achieve Your Goals
1. Dream big
2. Set specific, achievable goals
3.Overcome fear of failure / success
4. Ask for help
5. Take responsibility
6. Adjust your attitude
7. Visual your future
Objective: TO EMPOWER STUDENTS TO BELIEVE IN THEMSELVES AND IN THEIR DREAMS!
Suicide Is Not An Option™
In this powerful presentation, Sally will touch your heart as she shares her own story of the death of her nephew, Erek. He was a 20-year-old college freshman. According to the National Institute on Mental Health, every 100 minutes, someone under the age of 24 will kill himself or herself.
Sally takes this to heart and talks to students about depression, anxiety, the role of drugs and alcohol, and suicide. She offers guidance on how to notice warning signs and help a friend. She says, “If you think a friend might be suicidal, don’t worry about your friend being mad at you. I’d rather have Erek mad at me for the rest of his life ... than have him dead for the rest of mine.”
Objective: TO SAVE LIVES!
You Want To Give Your Students A Complete Education …
Book Sally Taylor’s Money Talks!
and teach your students to manage
the money they’ll earn with the education you gave them!
There's absolutely no risk here.
You cannot possibly lose or waste a penny.
Try
my books risk-free for a full 365 days. If they
aren’t everything
I've promised and more,
just send them back and
you'll get a prompt and cheerful refund.
Pick up the phone and call 24/7 toll-free 1-866-635-1899 now!
Take the Moving Out Quiz.
Tell a friend about Money Talks!
...
Questions? Send an e-mail
to sally@onmyown.com
Money Talks • 0-9711500-4-4
On My Own Book • ISBN
0-9711500-0-1
On My Own CD-ROM • ISBN 0-9711500-2-8
The Ultimate Bill Paying Tablet • ISBN 0-9711500-1-X
Go to College FREE! • ISBN 0-9711500-3-6
©
Sally Taylor
Silly Goose Productions, LLC
Kansas Office: 3330 SW Mariposa Place • Topeka, KS 66614
California Office:
24701 Magic Mountain Pkwy, Ste 2833 •
Valencia, CA 91355
(661) 254-1553 (phone/fax)
• (661) 310-5380 (cell)
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