• They will spend less than they make and save the difference.
• They will save the difference by making a plan as to where they will save (bank, credit union, U.S. Savings Bonds), how they will do it (direct deposit, walking into the bank, sending in money to their account), when they will do it (the beginning of every month, the 15th of the month), and have in mind what they will save for (car, house, events, emergency fund, college, dates).
• They will make it automatic—get it out of their hand or pocket by direct deposits into their account or by having their parents make the deposits.

This online enrollment program has already proved successful with over 5,000 youth who are saving between $16.00–$19.00 a month and is a perfect compliment or testimony to the effectiveness of financial education.

CFA provides training to advisers and students, materials and resources, and most importantly online enrollment to automate the process. This can be organized as a chapter project or broadened to the entire school population including teachers, staff, and parents. To take advantage of this exciting and simple initiative contact George Barany, Consumer Federation of America Director of Financial Education at gbarany@sbcglobal.net or 216.375.3255.

---

#

American Institute of Certified Public Accountants (AICPA)

AICPA wants to thank FBLA advisers for opening students’ eyes to the world of business and the possibilities available through accounting and the CPA credential. If you haven’t seen the newly redesigned Web site, www.StartHereGoPlaces.com, it’s definitely worth viewing. This site was first developed in 2001 to encourage high school and college students to pursue careers in accounting and ultimately become a CPA. through a combination of online and print activities, the program provides students, parents and educators with accounting-related career resources.
 
In the fall of 2009, the AICPA launched an updated version of the Start Here, Go Places. Web site to inspire the next generation of CPAs providing an even more interactive and robust experience for students and educators. The Start Here, Go Places. Web site is a place for students to realize the incredibly rich possibilities of a career in accounting while exploring the many career paths available as well as hear from and ask questions of real life CPAs.  All of these enhancements were developed to provide a more personal and interactive experience for students as well as educators.
 
Encourage your students to visit the site and create and save their FutureMe™. There’s also a “For Teachers” section (www.startheregoplaces.com/for-teachers), which contains secure information just for educators, like you. The information includes resources like classroom curricula to keep your students engaged and an Educators Forum where you can exchange dialogue with fellow educators across the country.
 
To learn more about StartHereGoPlaces.com and how to incorporate the Web site and its resources into your classroom, contact the AICPA at startheregoplaces@aicpa.org.

---

American Management Association (AMA)
Operation Enterprise, the youth leadership division of American Management Association (AMA), is the premier management and leadership development program for high school and college students. Operation Enterprise now offers customized programs to youth organizations that are available throughout the year.  Any of the AMA content can be tailored to your particular needs, objectives and time limitations. The AMA course leaders and senior executives present highly interactive and hands-on workshops on Leadership, Management, Negotiation, Strategic Planning, Communication, Presentation Skills, and other general management topics. Based on the program format, other team building activities are available. For more information, please visit AMA at www.amanet.org/oe or call 1-800-634-4262.

---

Apple Federal Credit Union (AFCU)
AFCU is a savings and loan institution that has been instrumental in establishing successful student-run credit unions in high schools in Virginia and is now branching out beyond. AFCU has developed a curriculum for FBLA to facilitate establishing a credit union in FBLA high schools. The curriculum outlines the steps necessary to establish a student-run credit union with a credit union partner in your local area. For more information, please contact Dave Gorham at dgorham@applefu.org.

---

Bentley University—Tomorrow25 Program
Bentley University salutes the next generation of leaders with the international Tomorrow25 competition. Launched in 2005, the program honors 25 outstanding high school juniors who demonstrate leadership and accomplishment in a variety of ways, including academic excellence, initiative, citizenship, cultural awareness, social responsibility, and a commitment to making positive change in the world. Nominations are accepted from business and community leaders, teachers, mentors, and guidance counselors. Winners receive national recognition and interact with high-profile leaders at the annual Bentley Leadership Forum (all expenses paid). The Tomorrow25 also appear in a national ad in Time magazine. Deadline for submission is January 15, 2011. Learn more at www.bentley.edu/tomorrow25.

---

Brainbench
Brainbench offers over 400 online technical and career certification tests. PBL members and their advisers are able to take one free test as a special arrangement with FBLA-PBL.

To take advantage of this special offer, follow these simple instructions:

• Register for a free Brainbench account at http://www.brainbench.com/
• From home page, click "Individual Certification"
• Click the link in the top menu bar entitled "Register/Logon"
• Once you register, you are already logged on to your account. If you come back you can enter your logon id and password at the homepage to log on
• Click "Test Center" in the upper left side of the screen, then find the test you want to take, and click the "Get Test" link
• In the space labeled "Enter your promo code (optional)," enter the following code: fbla2008 (for FBLA), pbl2008 (for PBL), or pd2008 (for Professional Division)
• Click "Get Test" to begin your test

Once you've taken your test, you will receive immediate feedback on your results, including your strengths and weaknesses. This information is stored in an online transcript, which you manage. You can decide whether you want to make your test results/certifications viewable to the public. If you have questions or experience problems, contact Brainbench customersupport.

---

Certified Internet Web Professional (CIW)

The CIW (Certified Internet Web Professional) program is the world's fastest growing vendor-neutral Internet skills certification for professionals. More than a certification or a curriculum publisher, CIW is a Web technology standard adopted by academic institutions, governments and businesses worldwide. CIW includes applications and competencies, but their core curriculum focuses on the foundational standards that sustain the infrastructure of IT: Web design, security, administration, networking, databases and enterprises. Teachers in more than 15 states are using the CIW program to create local and statewide articulation agreements by using the CIW certifications to validate programs and the students’ abilities. 

The CIW program is offering FBLA-PBL members reduced fees to set up your own CIW Certified Testing Center, which offers extreme discounting on all CIW certification exams. To learn more about this exciting program, please contact them at 800-828-1027 or ciwinfo@ciwcertified.com, or by visiting their Web site at www.CIW-certified.com.

---

DeVry University

Helping high school students choose their educational path to an in-demand career begins with a thorough assessment of interests and aptitudes. The High School Influencer Workshop involves students in a dynamic, multi-media experience that includes:
 

• DeVry University’s Careers, Inc.—An interactive classroom presentation geared toward 11 and 12 grade students.
• Personality Assessment—hand-held device (PDA) used to engage students and define their personalities.
• Career Exploration—matches personality types to best suited careers. Defines specific careers and explains the tasks and skills needed to excel in each.
• College Exploration—arms students with tools and resources to select majors, choose a school and ways to pay for college.
  

 To schedule a presentation at your high school, contact Amanda Geist at ageist@devry.edu. 

---

Disney Youth Education Series

Disney Youth Education Series takes students inside the Disney Parks to showcase textbook principles with real life applications.  Disney Youth Education Series field studies allow students to see how principles they’re learning in the classroom are making exciting things happen everyday in Disney Parks. 
 
Educators can choose from 20 two-to-three hour programs taught by professionals at various Walt Disney World Resort locations in Florida and five programs at the Disneyland Resort in California.  Programs are taught daily with curriculum covering Arts and Humanities, Leadership, Career Development, Natural Science, and Physical Science.
 
For more information on these amazing programs visit www.disneyyes.com or call 866-672-2363.

---

Ellsworth Publishing
With Ellsworth’s cutting-edge paperless Web-based keyboarding no textbooks are needed. There is no course software to install or maintain and since it is online, you can assign as homework for students who are behind or ill at home. Best yet, there are no papers to grade, print, handle, or turn in due to an outstanding Teacher Manager. For more information and a free 60-day trial, visit www.EllsworthPublishing.com.

---

Griffith Insurance Education Foundation
The Griffith Insurance Education Foundation promotes the study of risk management and insurance at all levels of academic pursuit. The Foundation builds on the strength of the teacher-student relationship to educate young people about insurance and its critical role in their personal lives. Assisting educators with the task of teaching teenagers about insurance is the Foundation’s primary focus. The Institute conducts workshops for teachers at various universities to help them learn about insurance and provides teaching materials, free of charge, that are age appropriate for their students. For more information on the Foundation contact Jason Terrell at 614-880-9870 or jterrell@griffithfoundation.org.

---

i-SAFE
i-SAFE, a non-profit organization and worldwide leader in internet safety education whose mission is to educate and empower students to be safe and responsible on the Internet, has partnered with FBLA-PBL in order for all members to learn how to be safe and responsible online. FBLA-PBL members are introduced and instructed on ways to extend the knowledge beyond the classroom by becoming Certified i-MENTORS.  To become certified today go to http://xblock.isafe.org
 
FBLA-PBL members can get involved with i-SAFE through various service learning opportunities. These can range from conducting student assemblies to speaking to parent groups. In fact, you and your FBLA-PBL chapter can bridge that gap between students and community by reaching out and teaching the i-SAFE curriculum right in the classroom of younger students. To learn more about this great opportunity, sign up today and become an i-MENTOR by going to http://xblock.isafe.org. There you will find online training videos and information to help you get started.  If you have questions email us at mentors@isafe.org.

---

JobTarget
JobTarget is the leading provider of Internet job boards and is the technology provider of choice when it comes to recruitment and career solutions. They host a job board on our Web site where students may post their resume for free. Please click here to complete your free resume and learn about additional benefits.

---

Junior Tours

Junior Tours, the leader in student travel, provides quality educational tours at affordable prices. They make it both fun and easy for advisers to sponsor a class or chapter trip. Whether it be a trip to Wall Street in New York City, a trip to Washington, D.C. to take in all of the history or several other places including Chicago, Boston, Philadelphia, or Orlando, this program has something to offer every local chapter. Advisers travel for free in a ratio of 1 to 20 paying participants. Explore their NEW Web site at http://www.juniortours.com or call 800.631.2241 to start planning a great experience.

---

Kaplan Test Prep and Admissions
When it comes to getting into college, students trust Kaplan for PSAT, SAT, and ACT prep. Since 1938, Kaplan has provided personalized prep, unmatched expertise, and guaranteed results that help students get the scores they need to gain admission into their target programs. Kaplan’s confidence-building, results-driven programs are taught by expertly trained teachers who encourage and guide students every step of the way.
 
Kaplan offers a range of prep options to help students maximize their study time and match their needs:

• Complete SAT/ACT prep is Kaplan’s most popular option. It includes a comprehensive classroom course led by a dynamic instructor along with proctored practice exams and a package of study materials.
  
  
• College Prep Advantage is Kaplan’s newest and most comprehensive offering. It provides a complete all-access pass to classroom courses and online resources, which include a college-admissions planner as well as AP course preparation.
  
  
• Live Online is a convenient and effective alternative to classroom courses. It is Kaplan’s Complete SAT/ACT course delivered to the student’s living room in a state-of-the-art virtual classroom, complete with practice exams and a package of study materials.
  
  
• Small Group Tutoring allows students to benefit from both the personalization of tutoring and the dynamic interaction of a small group.
  
  
• Premier Tutoring is the most effective way to prepare for Test Day. It offers exclusive, one-on-one instruction from an expert tutor, customized to the student’s specific goals and learning style.
  

  All of Kaplan’s programs are backed by the Higher Score Guarantee. 
 
And don’t forget, FBLA members save 10% on Kaplan SAT, ACT and PSAT programs priced $999 or higher. Reference discount code: FBLA10. Visit www.kaptest.com/fbla-pbl to learn more about Kaplan.

---

Knewton Test Prep

Knewton uses cutting-edge technology to deliver a cutting-edge SAT prep experience. 
Students are taught by the nation’s top teachers in an interactive web-based video classroom. Powering the course is Knewton’s adaptive learning engine, which identifies and addresses each student’s unique needs to provide a personalized prep experience. Excellent reporting tools help students and parents keep track of progress.
 
Students get 25 hours of live, online SAT instruction, plus on-demand videos for more help. Highly-skilled, engaging teachers lead the classes on camera, while at the same time TAs are available to answer all of your questions in real-time chat rooms. Knewton’s online SAT prep course only costs $490 and guarantees that your score will go up by at least 150 points or your money back. Knewton is providing all FBLA members a 20% discount using the promo code FBLASAT.
 
For more information, please check out knewton.com/SAT, email effie@knewton.com, or call
1-212-KNEWTON (212-563-9866).

---

March of Dimes Grants 
March of Dimes grants are designed to reward members and chapters for their support of the March of Dimes/FBLA-PBL partnership; and to identify and support innovative ideas and projects that enhance the growth, recognition, and support of PBL and the March of Dimes partnership. Local and state chapters that participate in March of Dimes are eligible to submit grant requests. Grants may not be used for equipment purchases, but are designed to support programming or activities. Grant proposals submitted for consideration must be designed to be accomplished within a period of no more than 18 months. Grant recipients will be expected to report the outcome of their project in the form of a workshop, article, or project that can be reproduced and shared with other chapters, states, and the March of Dimes. Local chapters may receive grants up to $1,000. State chapters may apply for grants up to $2,500. Applications will be evaluated by a panel of judges and announced at the National Leadership Conference. Grants must be postmarked by January 15.

March of Dimes Grant Application Form

---

McPherson College

McPherson College has redefined the traditional liberal arts education by engaging students in a career-oriented curriculum that incorporates real-life experiences to supplement and complement classroom learning. They care about what happens to students after graduation. Through internships, international travel and interdisciplinary studies, athletics and special interest groups, their students experience an educational setting unlike any other. Regardless of their academic majors, their students explore - they step outside their own experiences and their own cultures as they prepare for the ever-changing world in which they will live and work. Their focus on "career" prepares students to earn a living while their liberal arts foundation prepares them for life. To learn more about McPherson, visit www.mcpherson.edu/about/.

---

MSOE Rader School of Business

MSOE Rader School of Business has an impressive 50-year record of producing graduates who achieve great things. Graduates have an edge in the eye of employers because they not only have the same background as their counterparts with business administration degrees, but have an entrepreneurial know-how and a thorough understanding of the technology that drives businesses. Classes are small, encouraging interaction and networking. Professors bring solid business and industry experience from a wide range of industries and a passion for teaching. An uncompromising approach to quality provides a meaningful education that carries value well beyond graduation. Four-year, renewable scholarships for $1,000 are available to students who have participated in FBLA during high school. Contact an admission counselor for more information. Learn more about MSOE’s Rader School of Business at www.msoe.edu/business or call (800) 332-6763.

---

My College Options

FBLA-PBL has joined with My College Options® to introduce college planning resources to high school business students and educators across the country and provide the organization with valuable data about the futures of their student members as well as the thoughts and opinions of business educators.

In the 2010-2011 school year, the Future Business Leaders of America partnership with MyCollegeOptions.org will yield valuable insight into student and educator participation in FBLA-PBL, leadership and community service roles held by students, and determining what alternative memberships business educators hold. 

The National Research Center for College & University Admissions (NRCCUA)® engages in annual cooperative research with student organizations, educator associations and community-based groups.  The direct benefit to students for participating in this collaborative program is their inclusion in My College Options, the Nation’s largest personalized, free college planning program.  Our research partners are able to reach millions of students and thousands of educators in ways that were cost and logistically prohibitive in the past.

---

National Association of Parliamentarians
The National Association of Parliamentarians offers its national membership test to FBLA members and advisers during the National Leadership Conference (NLC) each year. Members and advisers can register for this event on-site during the NLC. Details are found in the NLC Guide mailed to local chapter advisers each spring. It is also available on our Web site at www.fbla-pbl.org. 

---

National Technical Honor Society
The National Technical Honor Society (NTHS) is available for our students and it’s easy to make it happen in your school! The NTHS can provide you with everything necessary to get your NTHS chapter up and running, from recommended standards to an induction script. Minimum standards must be met, but you and your administration select the specific criteria for your chapter.

There is no charter fee for setting up your chapter and individual membership is only $25 per member. This is a one-time fee and can transfer to another school where the member meets the school’s requirements.  Members will receive an NTHS membership certificate, pin, card, graduation tassel, window decal, and official NTHS seal to be applied to the member’s diploma or training certificate, a general letter of recommendation for the member’s portfolio, as well as personal recommendations for employment, college admission, and scholarships provided by NTHS National Headquarters. In addition, student members of NTHS are eligible for NTHS scholarships. Each year NTHS gives tens of thousands of dollars in scholarships through the Jon H. Poteat Scholarship Fund.

There is a $7 membership processing fee so please be sure to enter as many members as possible at one time. This charge is a per invoice fee, not a per member fee.

Go to http://www.nths.org/JoinUs/CTSOWelcomePages/FBLAPBL.aspx to complete your chapter application.

---

NLC Internship
Each year PBL members can work as a National Leadership Conference (NLC) intern. Interns help national staff with conference logistics and headquarters office management on site. Interested applicants must be available to attend the NLC. All interns receive a $100.00 stipend plus complimentary NLC registration. More details and an application form can be found on this Web site under Conferences.

---

People to People Leadership Programs
People to People Leadership Programs host promising students in grades 5-12 from over 90 countries. Students may join leadership programs in Washington, D.C. or choose from a number of prestigious American university locations. Participating students will hone their leadership skills, explore careers and prepare for college.  Change the life of a student today, nominate a promising young leader to People to People Leadership Programs. Learn more at www.peopletopeople.com/leadership.

---

The Princeton Review
If you’re thinking about graduate school, you’re probably also thinking about admissions tests such as the GMAT or GRE.  The Princeton Review is a market leader in test preparation and has been helping students get into their top choice schools since 1981.  Their classroom and online courses as well as private and small group tutoring services have earned a reputation for taking the tedium out of, and putting the results into, test preparation.  

As a special promotion, PBL members, plus family and friends, are entitled to 10% off classroom and online courses for the GMAT, GRE, LSAT, MCAT, USMLE, SAT, ACT and PSAT. Just use the promotional codes found on www.PrincetonReview.com/FBLA when you register online or when you call 800-2Review (800-273-8439).  

The Princeton Review Approach
•    Guaranteed results with our proven methodology and score-raising strategies
•    Passionate and engaging expert instructors who know how to motivate you
•    Personalized coaching
•    Comprehensive and up-to-date study materials - all yours to keep
•    Extensive online resources including exams, drills, lessons and explanations

•    Full-length practice exams with detailed score analysis

Local Opportunities

Successfully collaborate with a local Princeton Review office to raise your chapter’s profile on campus. Take advantage of a practice test fundraiser where you collect a fee from testers and they’ll deliver a practice test or set up an expert speaker series covering topics such as financial aid, testing strategies or the ins and outs of the GMAT or GRE (at no charge to you of course).  Contact AnthonyR@review.com to receive your local Princeton Review office contact details.

Looking for a Flexible, part-time job?
The Princeton Review is recruiting instructors for their SAT and ACT courses. They invite PBL members to find out more about this rewarding opportunity. Visit Teach For Us!

---

Service Learning Curriculum
The March of Dimes and FBLA-PBL has teamed up to become involved in the service learning movement that is sweeping the nation. This movement integrates classroom learning with community service, a process that career and technical education has traditionally developed and supported thought its local and nationwide community service programs. Student achievement is assessed on related projects as an integral part of the curriculum.

This service learning curriculum was designed to be cocurricular—implemented within the classroom or in a chapter workshop and extended into the FBLA-PBL chapter. This curriculum has five modules:

• Volunteers: How to Make a Big Impact
• Marketing Your Event: Maximizing your Mission
• Selling: Getting Results
• Public Relations: Getting the Word Out
• Selling and Organizing Your Event

There is a strong emphasis not only on service learning, but also on school-to-work and leadership training. If you would like a printed binder of the materials, it is available for free by contacting communications@fbla.org. New curriculum materials are also available on the March of Dimes Web site at www.marchofdimes.com/youth.

---

Society for Financial Education and Professional DevelopmentSociety for Financial Education and Professional Development
The Society for Financial Education and Professional Development, Inc. (SFEPD) is a leading financial education organization. SFEPD develops and presents face-to-face personal financial education seminars and workshops for education institutions, corporate, government and community-based organizations. The organization has partnered with numerous organizations to enhance the financial literacy of Americans at all socio-economic levels. SFEPD has also provided financial education training through interactive virtual learning courses (IVLCs). The IVLCs deliver no-travel-required learning opportunities that help individuals acquire financial knowledge and skills.
 
Each year SFEPD holds its Annual Financial Literacy Leadership Conference. The conference will bring together leaders in the field of financial literacy to develop effective strategies and create partnerships to address the issues that have been broadly discussed in various forums.

The primary goal of the conference is to create a forum for leaders of Federal, state, local, corporate, consumer groups, community-based organizations, schools, colleges/universities, financial institutions, and other interested organizations and individuals to  "roll-up" their sleeves to expand the process to enhance the level of financial literacy at all levels of the American society. If you are interested in learning more
about SFEPD’s educational programs or attending their future conferences, please visit www.sfepd.org.

---

  Stock Market Game
Students in The Stock Market Game work in teams to invest a hypothetical $100,000 in stocks and funds to build a virtual investment portfolio. They track and manage their investments over the course of 15 weeks. Students participating in The Stock Market Game are provided with valuable opportunities to practice core skills in math, Social Studies, English Language Arts, Business, Economics, and other subjects in a real world scenario. For details on the game go to the Adviser Section on the national Web site at www.fbla-pbl.org and click on The Stock Market Game.

Game dates are September 7 to December 17, 2010 (registration deadline September 22) and January 10 to April 21, 2011 (registration deadline January 25). Participants will be ranked and winners will be publicized through FBLA-PBL.

---

Trevecca Nazarene University
Trevecca Nazarene University is located in the heart of Nashville, Tennessee with over 2000 undergraduate and graduate students. The business department offers degrees in accounting, professional accountancy, management, marketing, information technology (six different areas), community development, and music business. If you would like to find out more, please call (615) 248-1256 or visit www.Trevecca.edu.

---

VISA ®—Practical Money Skills
Practical Money Skills is a free, award-winning, teacher-tested and educator-approved financial education program available in English and Spanish. The Practical Money Skills Web site features complete money management resources and lesson plans tailored to use at home, in the classroom or in the workplace. Consumer resources include downloadable Practical Money Guides covering everything from credit cards and budget basics to the ins and outs of credit history. The program features a free monthly e-newsletter offering the latest on financial education and personal finance tips and trends.

Practical Money Skills helps people prepare for life changing financial events, from planning for a baby to saving for college and retirement. The Web site provides numerous interactive tools, including a new suite of financial calculators and games like Financial Soccer and Financial Football.

Follow Practical Money Skills on its social media channels at Facebook (facebook.com/practicalmoneyskills), Twitter (twitter.com/practicalmoney) and YouTube (youtube.com/pmsfl). To learn more about Visa’s innovative financial literacy programs, visit www.practicalmoneyskills.com.