Local high school students learn valuable financial literacy skills
Students of McDowell High School are participating in the Passport to Financial Independence program in partnership with Tendto Credit Union.
The program allows students to do different activities and earn rewards at different steps throughout the process.
One student, Kelsey Elliott, completed all steps of the program with one of those steps being creating an emergency fund.
McDowell special ed. students get special book reading from Kevin Coleman
Elliott said she saved around $150 for a time when she will need those funds.
'It's important because most students don't take the class. Most schools, they don't have these classes to teach young adults to save money properly. Without this class I don't think I would have been able to know what I was doing for college and the money,' said Elliott.
'It's definitely a mission of Tendto. It's also a mission of credit unions, in general, to give back, and our slogan is 'people helping people,' so we want to get that next generation financially smart and financially savvy,' said Wade Brink, CFO of Tendto Credit Union.
The class on Monday completed 150 items and their reward was a pizza party.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Miami Herald
5 days ago
- Miami Herald
‘Get your back office together': 6 tips from the Herald's Black business event
What does it take for a Black-owned business to succeed in South Florida? Three Miami business leaders spoke Tuesday night at Miami Gardens' Co-Space for 'Building Black Businesses,' a Miami Herald discussion on how local entrepreneurs can launch small businesses or elevate existing ventures. Suzan McDowell, the founder of Circle of One Marketing; Aamir Taylor, the owner of Italian Vice, a frozen treats business; and Matthew Pigatt, the director of small business and membership services at the Miami-Dade Chamber of Commerce, spoke about what small business owners can do to succeed. Here are some of the key takeaways from the discussion: McDowell believes in the importance of being so good at something that people will advocate for you, even in your absence. 'Part of marketing is when somebody in this room is in another room that I'm not in and somebody brings up my name,' she said. 'It's a part of marketing. It's what people are saying about you.' Taylor agreed with that approach, especially thinking back to when he started his Italian ice business five years ago. 'I'm my marketer,' he said. 'I was in front of every single person. I'm serving every single person. So that was my goal, was to put smiles on people's faces and to be my own marketing. So when you see my Instagram, you're gonna see me. You're going to see me, probably in almost every single picture. You're gonna see my staff.' Pigatt emphasized the need for business owners to have their paperwork in order. 'Get your back office together,' Pigatt said. 'That means your financials, taxes, not reporting a loss every single year, making sure you can look at a profit and produce a profit and loss statement, your SunBiz is up to date and that you're not owing taxes.' 'These are the fundamentals, and in having all those things in a folder — all your certifications, your business plan, your [standard operating procedure] — those things help tremendously and help build a business.' Taylor said there were several organizations, including the Miami-Dade Chamber, that helped him out with that when he first started. 'I had a lot of help from Miami Bayside Foundation. They started me off in one of my first loans. The Miami Foundation, another one,' he said. 'A big company that helped me a lot was aīre ventures. They were called Opportunity Connect when I first started, but aīre ventures, they helped me a lot with financials, bookkeeping, learning my business and things of that nature.' McDowell said business owners don't necessarily need a big budget for social media. One way to get out there is to take videos of your work and share them. 'We post flyers, because sometimes you've got to get information out,' she said. 'But videos — somebody needs to be taking a video. You post it, and then that's how you're going to get engagement. It's videos of people doing things, doing regular things.' Taylor has received grants from organizations like the Miami Foundation and acknowledged that they can help small business owners excel. But he recommends that entrepreneurs use the money wisely and don't grow dependent on them. 'Once you apply for your grants and loans, don't ever expect them,' Taylor said. 'Don't ever wait on them. Because you can get a grant today, and you might not get that grant money for eight months after they tell you that you got the grant.' Taylor recommends that entrepreneurs establish good personal credit so that they can eventually use and build business credit. 'Make sure you have your credit in place [by] building your personal credit first, but that's something that you want to almost try to get away from,' he said. 'You need to start thinking about business credit. ... Getting your personal credit up to where it needs to be, you can walk into a bank, no problems.' The Miami-Dade Chamber offers AI training, and Pigatt said that using AI can help small business owners in a big way. 'You can look up business use cases for ChatGPT, marketing use cases for ChatGPT, and people will break down these use cases,' he said. 'When you see how other people are using it, then you can see how you use it for yourself.' McDowell said her staff recently encouraged her to use ChatGPT to help write a business proposal. 'It gave me a wonderful proposal, and now we got the account,' she said. 'So it's really there to make your life easier. But I don't think AI is ever going to be able to duplicate me or you or any of us.' Taylor said he uses AI to help craft email responses when the situation calls for it. 'Responding to emails we're all dealing with, disgruntled customers, just using AI to respond to emails in a nice, smooth manner. You know, there's people that ask me to do events and stuff like that, and I don't like to turn anything down, but I need to be able to make a certain amount of money,' he said. 'To be able to let people down in a nice way and respond to people in a nice way, I think that's what it helps me with, personally.'
Yahoo
5 days ago
- Yahoo
£40m Liverpool Star ‘Expected' to Join Bundesliga Side This Summer
Harvey Elliott's Future at Liverpool and the RB Leipzig Link Liverpool fans are bracing themselves for what could be a significant summer transfer decision regarding Harvey Elliott. Following the arrival of Florian Wirtz and Hugo Ekitike, the club has opened the door for Elliott to leave, with the potential transfer fee expected to be in the region of £40-50m. With Arne Slot now entering his second season after a stunning Premier League debut campaign, the squad is evolving rapidly, and Elliott's future is at the forefront of speculation. RB Leipzig Emerges as a Leading Destination Dave Davis spoke to Trev Downey for Anfield Index and offered insight into the growing expectation that RB Leipzig could be Elliott's next destination. 'A lot of people expect it to happen. Leipzig have got the player on board too,' Davis explained. He further added, 'Spurs were in the mix but they have now pivoted away from him and part of that is because Elliott seem very much sold on the RB Leipzig project.' The German club, renowned for developing young talent, has seen the departure of Benjamin Sesko and is preparing for Xavi Simons to leave. This creates the perfect opening for Elliott to potentially become their next big star. Davis highlighted, 'Perhaps he can be their next big star,' pointing to Leipzig's ongoing commitment to nurturing young, elite players. Financial Considerations and Transfer Logistics Liverpool are reportedly considering offers in the region of £40m with a sell-on clause or £50m upfront. 'Whether it's £40m with a sell on clause or £50m upfront, they have the money to do the deal after their player sales,' Davis revealed. For a club balancing ambition and financial prudence, this fee range makes Elliott an attractive asset for both parties. It is also important to recognise the strategic implications of this move. With Elliott potentially departing, Liverpool would have the resources to further strengthen their squad, possibly reinvesting in areas aligned with Slot's tactical vision. Meanwhile, RB Leipzig can integrate Elliott into a team structured for European competition, providing him with the platform to continue developing at the highest level. Implications for Liverpool's Squad Dynamics Elliott's potential exit is not simply a transactional matter. His departure could reshape Liverpool's midfield options and offer opportunities for other emerging talents. The arrivals of Wirtz and Ekitike indicate Liverpool's intent to remain proactive in the transfer market while maintaining a blend of youth and experience. As Davis noted, the anticipation around Elliott's move is shared both across Europe and within Liverpool. 'The suspicions are across Europe and at Liverpool that Harvey Elliott will end up at RB Leipzig this summer,' he said. This consensus reflects the growing likelihood of the transfer and highlights the broader interest in Elliott's career trajectory. Liverpool supporters will watch closely over the summer, weighing the potential loss of a promising young talent against the club's evolving strategy under Arne Slot. Whether he moves to RB Leipzig or remains at Anfield, Harvey Elliott's next step promises to be a defining moment in his career.
Yahoo
7 days ago
- Yahoo
Elliott Statement on Sumitomo Realty & Development Co., Ltd.
LONDON, Aug. 12, 2025 /PRNewswire/ -- Elliott Investment Management, L.P. and Elliott Advisors (UK) Limited ("Elliott"), which advise funds that together have a more than 3% ownership stake in Sumitomo Realty & Development Co., Ltd. ("Sumitomo Realty" or the "Company"), making Elliott one of the Company's largest shareholders, note last week's announcement from the Company. We believe the Company's "Policy on Utilizing Fixed Assets and Leveraging Strategic Shareholdings" lacks both ambition and urgency. This policy falls short in achieving capital efficiency, enhancing shareholder returns and reducing cross shareholdings. As a result, the Company's valuation continues to suffer. The Company's asset sale target of ¥200 billion represents just a small fraction of Sumitomo Realty's total leasing portfolio and may not be completed until the 2030s. Similarly, the Company's 10-year timeframe to divest ¥400 billion of its portfolio of strategic shareholdings is far too long. Cross shareholdings remain an immediate concern and, in our view, are a key reason for the Company's low shareholder approval at this year's AGM. Sumitomo Realty must expand its ambitions and accelerate the implementation of its envisioned policy. This would unlock capital for higher-return growth projects and increased shareholder returns, helping to address the Company's persistent undervaluation. We will continue to work constructively with Sumitomo Realty's management team and engage with other shareholders to address these issues and raise the Company's corporate value. About ElliottElliott Investment Management L.P. (together with its affiliates, "Elliott") manages approximately $72.7 billion in assets as of December 31, 2024. Founded in 1977, it is one of the oldest funds under continuous management. The Elliott funds' investors include pension plans, sovereign wealth funds, endowments, foundations, funds-of-funds, high net worth individuals and families, and employees of the firm. Elliott Advisors (UK) Limited is an affiliate of Elliott Investment Management L.P. Media Contacts: LondonAlice BestElliott Advisors (UK) LimitedT: +44 203 009 1715abest@ TokyoBrett WallbuttonAshton ConsultingT: +81 (0) 3 View original content: SOURCE Elliott Investment Management L.P. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
