Recently, our community of practice received a request for a personal finance curriculum that could be used with National Guard new recruits, between the ages of 17 and 21 during drill weekends.Young recruits during a drill weekend.We have an opportunity in Iowa to partner with other organizations in providing financial education for National Guard new recruits (majority 17 – 21 years of age). Sessions would be included with drill weekends. We are searching for curricula, which may have been developed that could be used with this target audience. Our leadership team made a few suggestions for programs that are readily available. Our group thought this information should be shared with our other PFMs who may be searching for similar resources.FINRA’s Save and Invest website offers Military Financial toolkits, “Making Ends Meet” and “Manage Your Debt” which offer research and survey results from military families and offers tips and suggestions from the FINRA Investor Education Foundation about how to solve common financial issues. The site also offers tutorials on specific topics such as how to shop for a mortgage, how to choose a credit card, and how to talk to your spouse about money.NEFE’s Cash Course is excellent for the post-high school crowd. The Rutgers University’s version of this curriculum is a financial management program that teaches users about specific topics including budgeting, investing, and credit. The program also focuses on educating users about paying for college and college life. The site offers quizzes and tips, such as healthy eating on a budget.NEFE’s High School Financial Planning Course is a curriculum designed to equip high school students in basic financial planning skills but the lessons are far from elementary. This curriculum includes lessons and assignments on goal setting, fixed and variable expenses, investment options, how to dispute a credit report, understanding a checking account, and job benefits.The Military Families Learning Network’s personal finance group has also produced a number of webinars, blog posts, has curated a number of financial research articles, and produced hundreds of military-specific FAQs that can serve as great supplemental resources for this audience as well.PFMs, what curricula or programs have you successfully used with this age group? Please share your resources in the comments section.Personal Finance Curricula for Young Recruits by Molly C. Herndon is licensed under a Creative Commons Attribution 3.0 Unported License.
Unlike other parts of the State, the saffron colour is conspicuous by its absence in Kalwan with flags and posters of only two political parties visible. The contest in Kalwan in Nashik district is not between Congress-Nationalist Congress Party (NCP) and the Bharatiya Janata Party-Shiv Sena combines. Instead, it is a fight between the Communist Party of India Marxist (CPM) and the NCP.In 2014, J.P. Gavit of the CPM won the Assembly elections beating a senior leader Arjun Pawar of the NCP by a slender margin of 4,700 votes. “The real fight here is between the CPM and the NCP. The Shiv Sena candidate is practically on the side of the NCP candidate,” Mr. Gavit said. After the demise of Arjun Pawar two years ago, the NCP has fielded his son Rohit for the upcoming elections. “In the last five years Mr. Gavit has been unable to address the issues of the region,” Rohit Pawar said. Mr. Gavit however has criticised the NCP for putting up a candidate against him despite an alliance with it in the State. “NCP as a party has been very devious. First they announce the alliance and then they field a candidate against me, a sitting MLA,” he said.On the ground, people feel that the election would be a close contest. “Each has their sphere of influence, while Mr. Pawar has a hold on Kalwan, Mr. Gavit has his base in Surgana. Mr. Pawar’s father’s goodwill will help him as well. But the margins will be very narrow,” said Devanang Chavan, who teaches in a college in Kalwan. Anil Gangurde, a daily wage farm labourer, said among the key issues is the daily wage rate which has dropped in recent months. “Earlier I used to get around ₹400 per day, now it is around ₹300,” he said.Mr. Chavan said that connectivity and roads were also major issues in the region as both Kalwan and Surgana talukas grapple with a lack of transport options. The constituency, with around 2.41 lakh votes, is reserved for scheduled tribes (ST) as the majority population living in both talukas belong to tribal communities. Mr. Gavit said a big fear among the residents was the State government’s plan to divert water from west flowing rivers to areas in the east like Marathwada. “If any Adivasi is affected due to this project, it will never see the light of day,” he said.