What Educators are Saying

Administrators

• College
  The CARE Program's presentation is long PAST DUE! College students both want and need this information the day they step on campus. The information is presented in the schools in a candid and interactive forum which allows for students to feel comfortable asking questions and discussing their personal credit information.
  
  Dan Raimondo, Phd.
  Director of Campus Life
  SUNY Brockport
  
  

Educators

• College
  Dr. Manning lauds the CARE program and explains, “Judge Ninfo and his colleagues are providing a crucially important service in their campaign to actively combat the spiraling problem of consumer debt. This mounting societal crisis requires a comprehensive financial literacy and education program that promotes personal responsibility and behavioral change – an educational initiative that is noticeably absent at both state and national levels. By introducing the CARE program in local high schools and colleges, it offers a practical roadmap for unwary students who too quickly succumb to the temptations of easy credit during their more formative years. By discussing the “real world” consequences of consumer debt and offering guidance for developing personal finance skills, Judge Ninfo and the CARE program can and will effect behavioral change when it is most important – before young people confront the possibility of filing for personal bankruptcy.”
  Dr. Robert D. Manning
  Caroline Werner Gannett
  Professor of the Humanities
  Rochester Institute of Technology
  Author - Credit Card Nation and Give Yourself Credit
  
  It seems to me that America has grown and continues to grow into an “Instant Gratification Society”. “I want what I want when I want it.” We have heard this saying over and over in the substance abuse community. It applies to many other areas in peoples lives, gambling, food, shopping and the latest craze, consumer debt or compulsive spending! There are people spending monies they do not have, “just put it on the credit card.” They use their credit cards like, “it’s their job!” Does the average person realize the ramifications of this spending? My perception is No! People sometimes like to make themselves feel better, so they buy things, things they cannot afford. They acquire debt, large amounts of debt. In the end the debt causes stress and anxiety, so much for feeling better.
  This is a vicious cycle that results in more spending to feel better. It sounds like an addiction, for many it is, for others its abuse of their credit. We need to share the word to all, especially to the younger generation. The C.A.R.E. Program is a way to accomplish it.
  Judge Ninfo spoke to 150 students at Monroe Community about the C.A.R.E. Program on November 4, 2003. This is an important message that has ramifications for everyone, not just students.
  
  James McKenna
  Health & Physical Education Department
  Monroe Community College
  Rochester, N.Y.
  
  
• High School
  Thank you for bringing the C.A.R.E. program to the Mercy High School senior class. This information is critical to helping students make good choices so they can have a successful future. Your message and delivery really hit home with the students. In fact one student called and canceled two of her credit cards within the hour following your presentation!
  We appreciate you taking time from you busy schedule to be with us. You are making a difference!
  
  Cheryl D. Lohrman
  Business Teacher
  Our Lady of Mercy High School
  Rochester, New York
  To Paul Warren, a CARE Presenter
  
  The honorable Judge Ninfo recently came out to speak to the New Visions students at SUNY Brockport about the issues of credit card debt and it was very well received by the students. These students are seniors in high schools in western Monroe County and are participating in a special program designed to assist them in career exploration in various fields and to prepare them for college. They are the prime targets of the credit card companies who hope to get them into debt sooner than later. The majority of these students have not really thought about the world of credit debt yet and therefore, are easy targets for the credit card companies.
  What the C.A.R.E. Program offers is way for the students to be educated about the pitfalls and potential financial difficulties that could strap these students for life. It is arguably the most important information students at this stage in life need to prepare them for life. Afterall, if the students are not armed with this information now, then the credit card companies are gladfully willing to take them under their wings.
  
  Todd Pschierer
  New Visions Coordinating Teacher-Health Professions
  Monroe/Orleans 2 Boces