• 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.

Brainbench
Brainbench.com is an online skills measurement authority that provides assessment and certification of over 450 different skills that drive business success. Founded in 1998, Brainbench has become the most respected online skills measurement authority. Brainbench offers over 400 online technical and career certification tests. FBLA members and their advisers are able to take one free test as a special arrangement with FBLA-PBL. Go to Member Benefits on the national Web site at www.fbla-pbl.org for details. 

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) Certification Program
Prosoft Learning a VCampus Company and FBLA-PBL have partnered to provide many benefits around the CIW Certification Program. CIW is widely recognized as vendor-neutral curriculum and certifications that focus on Internet job skills, such as Web site design, development, administration, and security. CIW certifications map to the Information Technology Career Clusters and provide a clear career and educational path for your students.
 
CIW is a comprehensive program that includes professional development, curriculum crosswalk and integration, and the ability to do high stakes certification testing in the classroom. Teachers in many 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. Learn more about how to integrate CIW into your existing courses.

Prosoft Learning a VCampus Company is offering FBLA-PBL reduced fees for its CIW exams as well as reduced fees to set up your own CIW Certified Testing Center. To learn more about this exciting program, please contact Stephen Schneiter at 866.860.8559 or sschneiter@prosoftlearning.com, or by visiting their Web site at http://www.ciwcertified.com/

i-SAFE
i-SAFE is the leader in Internet safety education and is a nonprofit foundation whose mission is to educate and empower students to be safe on the Internet. i-SAFE has partnered with FBLA-PBL in order for all members to learn responsibility while online. PBL students are introduced and instructed on ways to take their newly acquired knowledge beyond the classroom and become i-Mentors for their school and community. PBL students can get involved in multiple outreach activities such as conducting a community leaders meeting, training others to become i-Mentors, coordinating assemblies, and so much more. In fact, your PBL chapter can bridge the gap between students and their community by reaching out with i-SAFE service learning projects. PBL students can sign up today and become i-Mentors by going to http://xblock.isafe.org./ There students will find online videos and trainings to get started.

Global Learning Semesters
Global Learning Semesters (GLS) is an academically-oriented study abroad organization closely affiliated with the University of Nicosia in the island of Cyprus. They have recently partnered with FBLA-PBL to promote business-oriented study abroad programs for PBL members and contribute to the education of future U.S. business leaders.

GLS currently operates study abroad programs in six strategic locations (Cyprus, England, Mexico, France, Spain and Belize) under three main academic themes—the Mediterranean, the Globalization of Business, and Latin America.

GLS runs a wide array of innovative programs designed particularly for PBL student members. Their Global Business Semester, which includes co-curricular travel to England, France, India and China, and their Business Semester in Europe with travel to twelve countries in Europe, are only two of the many programs offered with an innovative focus on today’s world of business.

For more information, please check http://www.globalsemesters.com/index.html.  Be sure to check the Scholarship section on this Web site for information on GLS scholarships available to all PBL members.

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
Are you ready for business school? When it comes to getting into business school, more people trust Kaplan to prep for the GMAT. They have been the premium name in test preparation for more than 70 years, helping students prep smarter, score higher, and gain admission to their target MBA programs. So how would you score on the GMAT if today were Test Day? Students at top-ranked business schools have average scores above 700. Make sure you have the score you need to get into the school of your choice. Start with a free GMAT practice test—preparation and practice will help you get that high score, and knowing your score will help you plan your prep. All of Kaplan’s GMAT options are taught by expertly trained teachers who will encourage and guide you every step of the way. Visit www.kaptest.com/fbla-pbl to learn more about Kaplan. PBL members get $100.00 off Kaplan GMAT programs.  Just reference discount code “PBL100” when ordering.

Mission LIFT Grants
The Mission LIFT grants are designed to reward members and chapters for their support of the March of Dimes Mission LIFT partnership; and to identify and support innovative ideas and projects that enhance the growth, recognition, and support of PBL and the Mission LIFT partnership. Local and state chapters that participate in Mission LIFT 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 Mission LIFT Grant Application Form

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. 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, as well as personal recommendations for employment, college admission, and 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.

The Princeton Review
The Princeton Review is a market leader in test preparation, and they are here to help your students prepare for the GMAT. Their programs are renowned for their extensive materials, engaging, knowledgeable instructors, and guaranteed results.  They offer:

· Private and Small Group Tutoring
· Classroom Courses
· Online Programs and Tutoring

As a special promotion to PBL members, students are entitled to 10% off classroom and online courses. Just use the promotional codes found on their Web page www.PrincetonReview.com/FBLA when you register online or mention them when you register over the phone by calling 1-800-2Review.

They also provide fundraising opportunities for your chapter.  You market the event and collect a fee from attendees and they’ll deliver a practice test, college or business school admissions panels, financial aid speakers, or a strategy session for GMAT taught by their instructors at no charge to you.  These successful collaborations are a great opportunity to raise your chapter’s profile on campus.  Contact KatyM@review.com to receive your local Princeton Review office contact details.

Looking for a flexible, part-time job?  They’re recruiting instructors for their SAT and ACT courses.  They invite PBL members to go to http://www.princetonreview.com/footer/jobsite/teach_for_us.asp to find out more about this rewarding opportunity.

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.

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 2 to December 12, 2008 (registration deadline September 16) and January 12 to April 24, 2009 (registration deadline January 26). While participants will be ranked and winners will be publicized through FBLA-PBL, contest prizes will no longer be awarded.

VISA, Inc.
Practical Money Skills for Life is a free, award-winning, teacher-tested and teacher-approved financial education program that is available in English, Spanish, and Chinese. The Web site is divided into three comprehensive sections, complete with money management resources and lesson plans tailored for use at home, in the classroom, or at work. It also contains an array of tips to help people prepare for life changing financial events, from planning a baby to saving for college and retirement, as well as numerous interactive tools, calculators, and games. Visa also runs What's My Score (www.whatsmyscore.org), a leading higher education consumer awareness program. The Web site guides college students through the ABC's of a FICO credit score, from factors that can lower a score to ways on improving it, at no charge. To learn more about Visa’s innovative financial literacy programs, visit www.practicalmoneyskills.com.