Presentation Materials
The following materials are free for you to download and modify as needed. Many of the documents are in .pdf (Portable Document Format) format and require that you have the Adobe Acrobat Reader installed on your pc. The Reader is a free download from Adobe.
In addition, downloadable versions of all materials can be found on our CARE Free Downloads link.
Handouts
Minimize Student Loan Debt - Tips on how to be proactive and mininize any student loan or consumer debt you may need to get your degree.
Don't Borrow Trouble - This handout will help you figure out how much you can borrow against your future salary.
Can You Believe This? - Amazing statistics and tid-bits about the consequences of credit card debt, bankruptcies, lack of savings and more. This is a great guide for the Media and a great introduction to any presentation, college or high school.
Creating a Realistic Budget That You Can Stick To - Fantastic article that high school seniors, college freshmen and their parents should read. This is also a great resource for high school guidance counseling offices as a service and as a marketing tool to bring the CARE Program to your community.
New York State Department of Education Press Release - Jon Greenwalt, the Supervisor of Business & Marketing Education New York State Education recommends the CARE Program as a supplement to any financial literacy program offered by schools, either during individual classroom periods or to larger student groups, including senior assemblies.
Predatory Lending Traps - Everyday, payday loan stores, rent-to-own centers, check cashing stores, pawnshops and tax refund-anticipation, car title and more than three-year car loan lenders are unconscionably taking millions of dollars from the poor and financial illiterate, and often pushing them over the edge to financial ruin and bankruptcy.
The Real Cost of Credit - This statistically charged article is a great supplement to any college freshman orientation packet. Know what credit is really costing you – 18% - 20% - 24%? Every dollar spent on credit is a mortgage on future spending.
Top 10 Financial Tips for High School and College Students
Top 20 Mistakes made by People who Have Filed for Bankruptcy - The Founder of the CARE Program, Judge John C. Ninfo, II, shares some of the common mistakes that have been made by many of the bankrupts that he has seen in his Courtroom - those who, by their own admission, were overspenders and credit card abusers, so that others can avoid making the same mistakes, not just during their high school and college years, but for years to come.
CARE Brochure
CARE Synopsis - A one page synopsis of the CARE Program that is also an excellent attachment to a solicitation letter to high school and college administrators, teachers and guidance counselors. This was prepared for the CARE Program by Jayne Siersdorfer of J Group Business and Communications Resources, LLC. in Columbus, Ohio. The schedule a presentation contact information at the end should be that for the local program, and other information or history for the local program can also be added.
CARE Program Evaluation Form - A CARE Program Evaluation Form for students to complete after participating in a CARE presentation, which was created at Hilton High School.
Budget Tips Handout - Developed by the CARE Program and the Syracuse University SIFE Team and used at a SIFE-sponsored Budgeting Workshop for Syracuse University freshmen.
Why do I need a budget? - This handout tells why budgeting is the only way to become financially "free."
Creating a budget - Five simple steps that will help you create an effective budget.
Pitfalls to avoid - Five pitfalls that could destroy your budget.
Practicing self control - How to stick to your budget.
Stop spending leaks - How to make the most out of the money you have.
PowerPoint Presentations
Other formats (i.e. .pdf, .pps) of these PowerPoint presentations can be found here.
These require Microsoft PowerPoint to view, click here to download a free viewer.
CARE PowerPoint Presentation - Bankruptcy Court (Western District of New York)
A PowerPoint Presentation created by Hon. John C. Ninfo, II set to background music by the Rolling Stones ("You Can't Always Get What You Want")
Districts of Western Missouri and Kansas (with curriculum online)
A PowerPoint Presentation and Curriculum Outline of the U.S. Bankruptcy Courts in Western Missouri and Kansas, created by the Kansas City Bar Association and the University of Missouri Extension Service.
Eastern District of Oklahoma Bankruptcy Court
A PowerPoint Presentation from the Eastern District of Oklahoma Bankruptcy Court PowerPoint, created by Therese Buthod, Clerk of Court.
Money 2004
Test your Financial IQ with this "edutaining" and informative presentation. Made available to the CARE Program courtesy of retired Bankruptcy Judge Carol Kenner, District of Massachusetts.
New Jersey Bankruptcy Law Foundation
A PowerPoint Presentation of the Financial Literacy Project of the New Jersey Bankruptcy Law Foundation, created by Steven R. Neuner, Esq.
San Diego Bankruptcy Court
A PowerPoint Presentation of the Credit Abuse Resistance Education Program of the San Diego Bankruptcy Court.
Santa Barbara Federal Bar Associaton Bankruptcy Committee
A PowerPoint Presentation created by the Santa Barbara Federal Bar Association Bankruptcy Committee, and prepared by Karen Grant, Esq. and Joel Ohlgren, Esq. (For assistance with the materials contact Joel Ohlgren at 213-617-4149) **Because of Copyright Agreements, these materials can be used in connection with presenting a credit education program, but cannot be used separately, or commercially**
Tennessee Bankruptcy Court
A PowerPoint Presentation of the CARE Program in Tennessee, created by Kelly Rousseau.
Orlando, Florida New Legislation Slides
The new legislation that Congress passed last year will go into effect in February. Among its provisions is a requirement that young people under the age of 21 either have a co-signer or be able to demonstrate that they can afford to repay any credit card debt they might be offered, before they will be eligible for a credit card. It is unclear at this time what if any steps the credit card industry or others may take to get around these regulations. I certainly hope that parents and other relatives will realize that most young people under the age of 21 don’t need a credit card to build a credit history and they won’t just co-sign for them. Attached are two PowerPoint slides prepared by Roy Kobert and Maggie Ingram of our Orlando, Florida Program that you can use in presentations to cover this issue.
Quizzes and Games
Budget Exercise
Split the class into groups of 3 and give each group a life scenario. Their objective is to take the information that is given to them and make a balanced budget.
Life Scenario 1
Life Scenario 2
Life Scenario 3
Crossword and Word Search Puzzles
Great learning puzzles created and contributed by Therese Buthod, Clerk of the Bankruptcy Court in the Eastern District of Oklahoma.
Crossword Answers
Word Search Answers
Jeopacardy Game Instructions
A fun and informative game to test your knowledge of credit cards and related information. Prepared by Joseph U. Schorer, Esq. of Kirkland & Ellis, LLP, a member of the Chicago CARE Program.
Multiple Choice Quiz & Key (Santa Barbara CARE Program)
An excellent multiple choice quiz to give to students at the conclusion of a CARE presentation.
Skit for Financial Literacy Programs
An entertaining skit for use by high school and/or college students, created by Steven R. Neuner, Esq. of the New Jersey Bankruptcy Law Foundation Financial Literacy Program.
CARE Pop Quiz
Transparencies
Illustration - A Debt-free Rather than a Debt-filled Life
Created by Alex Zingaro, Greece Athena Class of 2003.
Illustration - Consequences - Being turned down for a job
Created by Alex Zingaro, Greece Athena Class of 2003.
Illustration - The True Cost of Credit - $5.79 for a gallon of gas
Created by Alex Zingaro, Greece Athena Class of 2003.
Illustration - True Cost of Credit - $120.00 running shoes
Created by Alex Zingaro, Greece Athena Class of 2003.
Illustration - Wants vs. Needs and Affordability - The "Disney World Couple"
Created by Alex Zingaro, Greece Athena Class of 2003.
Important Financial Tips
Tips to help you stay on the right financial track.
Overview of CARE Lessons
Seven main objectives of the CARE Program.
The True Cost of Credit
How much will "buying now" and "paying later" really cost you?
True Consequences of Credit Abuse
Consequences that you don't want to learn the hard way.
1 Big Debt Credit Card Graphic
A poster or overhead transparency of this graphic shown as students prepare for a presentation is a great way to get them thinking.
CARE Presentation (1:15)
A CARE Presentation done by Judge Ninfo at Webster Thomas High School.
Syracuse University Whitman School of Management - CARE presentation and discussion of the effect of deregulated consumer credit on Bankruptcy filings.
Videos and Newscasts
"Things I Learned the Hard Way: Paying for Consumer Credit," created by Sara Farrak at Nazareth College of Rochester
Southern District of California Introduction and Ending for "The Things I learned the Hard Way" video.
The Balancing Act - A two-part program on students and credit cards by Channel One (including an interview with Judge Hargrove of the San Diego CARE Program) presented by the CARE Program with the generous permission of Channel One News, a Primedia Inc. company (See Channelone.com)
Click Here To Download Full Video (10:05)
Channel 10- (WHEC) NBC Newscast - Judge Ninfo aims his new CARE Program at high school and college students in an effort to teach them about finances.
Channel 13 (WHAM) ABC Newscast - Judge Ninfo heads into the schools in an effort to slow down the dramatic rise in bankruptcy filings by young people.
Brighton Today, Brighton Tomorrow - An interview with Judge Ninfo and segments of a CARE Presentation.
Ellis Island Film of Tips on doing a CARE Presentation