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If you want to help tomorrow be better than today, put financial literacy into your school's program. In fact, I would venture to say that your community will reap the benefits in the years to come as students learn how to manage their money and balance their checkbook. I teach accounting and wish that every student knew how to balance a checkbook. They also need to know the difference between secured and unsecured debt. Spend less than you make, period. "You may not realize it, but these three events are part-and an excellent illustration-of the global financial literacy crisis, one of the overriding problems of the modern financial world."

account training becomes an added advantage if you do not wish to hire your personal accountant to manage your accounts. Accounting involves a lot of activities like book-keeping, preparing balance sheet, maintaining tax records and payroll and so on. There is no way you can avoid these tasks. Every functional organisation has to stick to these activities for the smooth functioning of the firm. Many organisations in the past have suffered from enormous losses only because their employees did not have the required accounting training and thus were unable to handle the accounting services and important financial documents and statements. For overall success, any firm should have a firm grip over the company's accounts and financial position. You can do a lot of things to ensure you are always informed about your company's financial position. First and foremost, you can ask experienced professionals from your company to undergo accounting training courses. By brushing up their knowledge through accounting training courses, these professionals will be in a better position to handle the accounting of the firm. Another option you have is to outsource the task to outside professionals who are competent enough to handle the accounting job. Apart from this, you can also hire accounting firms who can assure you transparency in all the dealings apart from impeccable services. By outsourcing your work to an outside firm, you can save a lot of time of your firm which can be utilised for other management tasks. However, you have to be ready to shell out a bomb to avail of these services and hence it is always a good thing to have your company's own professionals well versed in this task. Once your company professionals go through competent accounting training courses at a reputed accounting training centre, they can be ready to handle different tasks like preparing sales tax reports, creating monthly or mid-monthly reports, calculating reports with perfect sales figure,

Financial files hidden in jpeg files - great idea.

So, learn to hide your financial files backup after you did your taxes in that old picture of you and Grandma. OK, now this is very cool - you can hide files inside JPEG pictures. To me, it is not possible to have too many backups - of your tax records, your financial records, etc. Although this method isn't perfect, it would require maximum geekiness to sniff out and find.

Edutopia piece on financial literacy.

This collection gets a few visits. http://www.textbooksfree.org/Students%20Personal%20Finance%20Internet%20Library.htm Suggestions welcome.

NOTE: The linked article is NSFW - it has a word of profanity where the author quotes Good Will Hunting. But the points are right. Some teachers worry they will be outdated or not needed with the online education movement. This article has some great points that I agree with. I do think online learning is part of our future but perhaps not the savior some make it out to be. "The online education utopians ignore the fact that free learning has existed for decades in the form of the public library and despite that availability, every kid within bicycling distance to his local branch didn't turn into a self taught entrepreneur. Suggesting that online courses are the cure-all for our educational needs is like saying all you have to do to teach kids in the ghetto is give away textbooks on the corner. Recent studies have shown there is a significant gap between the completion rates of online students compared to classroom based students. When you consider that online learning is often promoted as a cost effective solution for at-risk learners who don't have the financial resources for face-to-face instruction, it becomes clear that the online movement is offering a product that makes it easier to drop out to students who are already more prone to quitting in the first place."

A social economic game where you are presented with lots of financial challenge. Can you make it to the end of the month? http://ictmagic.wikispaces.com/Maths

There is a human cost when manufacturing is outsourced to places that do not respect human rights. This article is making the rounds in light of Apple's stellar financial performance but it can be related to other companies too. Overseas reall means "no one sees" and thus no one cares. We should care about human beings being treated in a humane way no matter where they live.

"TextMinder allows you to schedule SMS text reminders to be sent to you at the times you specify, repeating as often as you choose. Remind yourself of your medication, diet, exercise or financial goals, shopping, errands, bills, household chores, and other todo tasks and tickler items."

Pakistan is pushing to educate more of its children, amidst financial woes and a struggle for more funding. Their goal: 100% enrollment. Of course, there is a great effort also to build a firewall in Pakistan much like the "great firewall of China." That said, there are many lovely educators from Pakistan who contribute and connect increasingly online and I wish this country well as well as the many countries working to increase enrollment. "As schools returned to session in Pakistan's northwestern Khyber Pakhtunkhwa (KP) province this fall, the newly elected provincial government - with the help of the non-profit campaign Alif Ailaan - launched an enrollment drive. In its first month, the drive managed to enroll nearly 245,000 out of school children - about 65% male and 35% female - across 25 districts of the province, according to figures provided by Alif Ailaan. But considering Pakistan's education woes, where more than 25 million children between the ages of 5-16 remain out of school, it is a small step. "In order to provide schooling to all the kids, we need about Rs. 138 billion (roughly $1.2 billion) just in KP - for school infrastructure, classrooms, teachers so on and so forth," Joudat Ayaz, the province's education secretary, told me over dinner. Ayaz estimates the number of out of school children in KP between 2 to 3 million, about 20% to 30% of the school-age children in the province. "You can't do this [reaching 100% enrollment] in one go - you have to do it progressively, over six or seven years.""

This has got to be the funkiest instant poll, quiz, response site around. Create questions, quizzes and polls with optional uploaded images for participants to complete in real time from a computer or mobile device. The users access the quiz by using a pin code. The 'question master' gets the data back instantly and it is stored on the site or can be downloaded. This is superb for checking the knowledge of children in your class or that your audience is still awake. http://ictmagic.wikispaces.com/ICT+%26+Web+Tools

Got this email from a teacher Hi Vicki- I love your blog, tweets and contributions to flipboard! I am a teacher at a local school district charter high school and appreciate your zeal for teaching and learning. I am not sure if you have heard about Kahoot! but wanted to ask you to check it out by following it on Twitter or watching a few youtube videos of Kahoot in action. I have no financial investment in it or any reason for recommending it other than how much we are enjoying using it at our school and how valuable a tool I believe it to be. Questions can be entered by students or teachers and pictures can be uploaded to each question to add visual appeal. The students can use computers, smart phones, tablets and don't have to have an account- they just log in to kahoot.it and then join the interactive quiz. Everyone gets so involved and passionate and it is great for reviews before tests or for supplemental instruction. The results can be viewed on a spreadsheet and provide formative assessments. It can be used for any ages and any subjects. I am so jazzed about this great new tool and hope you will be too. https://getkahoot.com Kathryn Lewallen Payson, AZ Payson Center for Success High School

The current plan from the White House on education. Read it and share your annotations.

Read the education plan from the new White House for the US. Some good things here and some things that may be hard to implement. What do you think? Join diigo and mark up the page - there are already quite a few annotations.

Obama's Education Plan annotated

Math and Science fellowships for beginning math and science teachers.

Math and Science teachers -- beginning teachers should consider applying for these fellowships. These are in the United States. Here is what the ocmpany says about the fellowships (applications due Jan 15): "The prestigious KSTF Teaching Fellowship is valued at nearly $150,000 over the course of five-years and supports aspiring teachers of promise as they embark on careers teaching high school science and mathematics. Designed to meet the financial and professional needs of beginning teachers, the Fellowship exposes educators to a variety of teaching resources, new curriculum materials, and research and experts in the field. Most importantly, the program fosters professional development within a community of high school science and mathematics teachers and prepares Fellows to become leaders in their field."

"Developed for middle school and high school students, this online game gives your students the chance to learn important personal finance skills as they play and compete against fellow classmates. The game includes fifteen Missions in which students attempt to help people in financial trouble. Students join the Gen I Revolution, strategically select their Operatives, and begin to explore and earn points as they work to complete each Mission."

Financial literacy for kids. Watch deposits/withdrawals for multiple accounts, similar to a real bank. Interest included!

Use this to create an encrypted drive for your financial records if you have them on your laptop! Remember to backup the folder as well! It is free. I would also recommend this for those who have private files on their computer like guidance counselors.

Although the First Amendment may appear unconditional on its face, the right to speak and write freely has never been absolute. Intellectual property rights often prevail over an author's "creative license." The main benefit of copyright, for example, is the right to exclude others from making copies of a work (or any part of it) without permission. By protecting an author's expression, copyright guarantees that authors and other creators, derive financial benefits from their work. If you intend to use someone's copyrighted work, unless the use is considered a "fair use" (which is technically a defense to copyright infringement), you must obtain that person's written permission. Under federal law, only the copyright owner or someone acting with the owner's authority, such as a publisher, can grant that permission. Without written permission, you expose yourself to legal risks. While not every unauthorized use of a copyrighted work is an infringement, whenever you include another person's words, illustrations, photographs, charts or graphs in a work you publish, you must be sensitive to the risk of infringing someone's copyright. What follows are some common copyright permission myths.

Learning to effectively manage finances can be a process of trial and error but grads can stack the deck in their favor by taking advantage of great online resources that can help them learn and keep track of where every penny of their paychecks is going.