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One financial class prepares for a stable financial future for students.

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Students often complain that what they learn at school is not used in their daily lives. One teacher is trying to change that perception by teaching courses that ensure that students are financially familiar as they move into adulthood.

Kamel Shrek focused on personal information theft, mortgage rates, how to buy a home, how to buy everything in cash if possible, different jobs in the financial industry, and what students actually do. , Joseph W. Nixon High School teaches classes and algebra. Face as an adult.

Shrek is the only person to teach the course, but as the class prepares students for a stable future, he and more teachers across the school district hope to do the same.


“Our class is about personal finances for young children and adults to prepare for the real situation, how to save money, and how to invest in the stock market,” Shrek said. “They also prepare for college because it helps them look for scholarships and nominations, have a good resume, and prepare to update it as they go. I don’t know what it will be, so always build good relationships with people no matter what. They have to learn this. “

Many students in the class intend to invest in the second half of their lives, and this course will help you find out how the stock market works, what you need to research when thinking about investing, and that’s it. Time to sell said they helped to better understand when believing better. In this course, you also learned about interest calculators and saw how much you can get in return for your monthly donations.

Shrek states that it is important for these students to learn about their personal finances at such a young age. This is because the longer you wait for an investment or savings, the less money you will save for future retirement. The teacher states that he asked the school to purchase Ramsey Education software, an innovative school software program that teaches the basics of financial skills.

Shrek, who had previously considered college student finances at Southwest Texas Junior College in Yuvalde, is as sensitive to information as college students and challenges to teach them these important financial facts. It states that it did not show. He states that making the class fun and realistic definitely helped.

“In this class, they didn’t ask when to use this like my algebraic class, because this is all a basic real-life situation,” Shrek said. “They are already on a good start. By the time they finish their fourth year when they go to college, they already know how to budget, save money, apply for a job, and do FAFSA. Because. “

Personal finance lessons are not only lessons for these students, but also what they are actually applying.

“I’m starting to save. When I get an allowance, I usually spend time at things like Dunkin Donuts, but now I’m not, and I’m saving,” said second grade Teresa Cabello.

Another student, Matthew Garcia (also a sophomore), said she learned how to save after starting work during the winter vacation and realized that she had blown a check in just a few days. After attending his course, he became much more financially responsible not only to make sure he had money for what he wanted, but also to save some money. It says that it was.

Garcia said he wants to save money to invest in cryptocurrencies and non-fungible tokens early on.

“The stock market stuff is what I take the most out of this class because there are so many different roles and things to do. But the stock market is always with different companies, including big ones, and how to make money. There are many, “says Garcia. “The three companies I’m probably investing in are Apple, Pepsi, and Coke, small companies while it’s starting.”

Garcia said this class helped her learn a lot about how to investigate a company’s performance and whether it’s a good idea to invest in a company.

Shrek said cryptocurrencies are also rarely discussed in class. We consider these investment methods to be risky and unknown, as people like students can easily lose money if digital currencies do not work.

The importance of getting scholarships, grants, and free money to college is another topic of the course, and one student states that he is ready to do so as the third grade approaches.

“In our third year, we can start applying for a scholarship, and that’s what I’m about to start next year,” Fatima Chavez said. “I want to save money, but that’s the best way.”

Other students say they talked with their parents about what they learned at school and taught them how to spend their budgets to improve their financial stability.

“It’s important to budget and make sure your budget is organized so you don’t have to ask people for money because it’s time to burn the bridge across people.” , Another sophomore in Reynardo Tigerina said. .. “It’s important not to cross people because it doesn’t look good to you and you can’t get a job. Make sure you’re honest with your money and straighten it.”

Preparing for college with free money is what most students plan to do during their transition to the last two years of school.

“For now, as a sophomore, I think grants and scholarships really help me. I apply early, write a really good scholarship essay, and everything I can apply for with effort. Because I need to study free grants to save money for the university, “said Shelby Rivera, a sophomore.

These students have different career paths that they want to follow, but very few are really interested in the business world, but this course is financially responsible even if they enter their career path. He said it helped prepare him to fulfill. Selection.

Rivera states she wants to work in the field of criminal justice as a lawyer and understands that what she learned in class is something that allows her to keep her money safe. increase.

Garcia states that thanks to her class, she was really interested in the financial and business world industries. He now works in real estate and wants to invest money. Chavez, whose mother is an accountant, said she wanted to follow in her footsteps, and this course “helped to solidify” her decision to study happily and become an accountant.

Tijerina states that the class “opened his eyes” to a new job in the financial sector that he didn’t know about. He still sees all the potential different career paths he enjoys, but he will eventually choose the one that offers him good stability and prosperity.

Mr. Cabello said he wants to enter the medical field and understands the enormous amount of money needed for the medical school. However, she plans to apply for as many scholarships as possible so that she never receives her student loan. She says her sister already has a student loan and, thanks to her class, has already taught the importance of keeping her finances straight by applying for a scholarship instead. I am saying.

Shrek cannot fully emphasize the importance of financial classes to young high school students to prepare for the future, such as school work, budgets, college grants and scholarships.

“It’s a very convenient course for everyone because we’re not teaching stingy things, but saving time and money. And all these students should start early. And every high school needs to teach it because it’s real math that applies in real-life situations, “Shrek said.

jorge.vela@lmtonline.com

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