Robert D Hill Lady Devils blank West Union 7-0 in SHAC soccer finale Vikings invade and conquer the Greyhounds Outpouring of community support for local business woman with cancer Manchester mourns teen killed in single-car crash Kylie S Lucas Sharon R Grooms Steven L Wootten Forest J McDaniel Ralph O Grooms Adams County teenager dies in auto accident Charles N Vance Wesley M Baldwin James Kennedy Tom A Mihalovich Brand hat trick leads North Adams past West Union 5-2 in SHAC soccer action Senior Profile: Bryant Lung Lady Hounds pull off thrilling Senior Night win Volleyball milestones continue to pile up at North Adams Banner season for Lady Indians soccer SHAC holds Junior High Volleyball Tournament Tournament match ups set for volleyball and soccer Senior Profile: Morgan Edmisten Hounds dominate, improve to 3-4 Is this not the best time of the year? Volley For The Cure is another big success Getting everything we ask for Oh, that dreaded leaf project Manchester: Adams County’s oldest community looks to the future with hope Congressman visits Manchester’s newest business Six candidates vie for MLSD School Board Highway 41 road work stalls MFD holds annual Safety Day for kids, families Lenora Mckee Virgie Cole Helen J Damron Karen S Lockhart Donna M Pelfrey Russell D Pollitt, Sr Karen S Lockhart Harris named Director of Shelter for the Homeless Local candidates abundant on November ballot Senior Profile: McKinlee Grooms Lady Dragons finish third in district golf tourney Lady Devils challenged, but survive to extend SHAC streak to 60 Rally falls short, Lady Hounds fall in five sets to Fairfield Senior Profile: Jessica Newman Lady Indians get shutout win over West Union, 2-0 Erwins host annual Herb Fair Bentonville: A community at the crossroads of Adams County history Tranquility, Wilson Homestead host annual Heritage Days Why we get back up Your local newspaper, the real deal Welcome to the morning klatch Oleda F Saunders Frank A Golden Shirley A Tully Hubert Knauff John T Shupert Celebrate the sports pages Gould, Woolard, defense lead Hounds to second win George E Lucas Betty A Johnson Hayes sentenced Sue Day Devils headed back to state golf tourney Earl R Fields Alberta L Steward Gregory Terry Linda Taylor Levies slated for November ballot Manchester residents forming neighborhood watch group West Union teachers receive prestigious award Crum arraigned in Brown County Common Pleas Court Seaman: A small town with a big heart and a family spirit Seaman Fall Festival again draws large crowds NAES participates in weekend food program AES Ohio Generation assumes control of DP&L assets West Union, Peebles take home county XC crowns Lady Devils win a soccer buzzer-beater Senior Profile: Brooklyn Wylie Lady Dragons move to districts Green Devils win sectional golf title West Union hosting fourth annual Alumni Volleyball Game Gray breaks Lady Indians’ single season goals record Senior Profile: Chase Cummings Lady Dragons cruise to SHAC title Hupp ties school record with five goals in Lady Devils’ win over Southeastern For 14th time in 15 years, Dragons claim SHAC Boys Golf Championship Getting life in order See those signals of the season Jury returns verdict in former Manchester police officer’s trial Larry Peters Gary L Hughes Sr Deanna L Parker Stephen R Fetters Bonnie Hawkins Clifton J DeMint Steven L Kimberlin When you just know

Real Money, Real World presented at MHS

Adams County Auditor David Gifford talks to Manchester students about property taxes during the April 22 “Real Money, Real World” simulation.
Adams County Auditor David Gifford talks to Manchester students about property taxes during the April 22 “Real Money, Real World” simulation.  Photo by Patricia Beech

Students learn money management in a real world simulation

By Patricia Beech

Eighth-grade students at Manchester Junior High School recently stepped out of the classroom and into the real world recently when they participated in a Real Money Real World (RMRW) simulation designed to develop their money management skills.

During the simulation, each student assumed the role of a married, 27-year-old adult. They were assigned a career, a monthly salary, and a specific number of children. Community and 4-H volunteers staffing 14 booths advised students as they made financial decisions similar to those adults face on a daily basis. The booths represented actual community businesses where students spent their salaries on child care, housing, insurance, credit, transportation, utilities, communications, clothing, food, entertainment, charitable contributions, financial advice, and taxes.

“This program gives the kids a chance to step into the real adult world,” said Adams County Auditor David Gifford, who manned the tax booth.

The RMRW program was a joint effort between the Ohio State University Extension office and Manchester High School. The event was organized by extension officer Carolyn Belczyk and Susan McFarland, Technology teacher for seventh and eighth grades at Manchester.

While the students seemed to enjoy the hands-on experience, many were surprised at how difficult it was to make ends meet, and a few quickly found themselves in financial difficulty.

“I think the cost of food and insurance were the biggest surprises to them,” said McFarland. “Some students did go bankrupt and had to obtain a second job or federal assistance to survive.”

Venita Bowles, right, from Dream Catcher Communications was one of the guests at the MHS “Real Money, Real World” simulation on April 22.  Photo by Patricia Beech
Venita Bowles, right, from Dream Catcher Communications was one of the guests at the MHS “Real Money, Real World” simulation on April 22. Photo by Patricia Beech

McFarland spent a week preparing students to participate in the financial literacy program by working through all the deductions that would come out of their paychecks. First State Bank representative Dee Fitzpatrick spoke to the students about bank accounts – savings and checking, and the difference between the two, and MLSD Treasurer Karen Ballengee explained employee deductions.
Approximately 60 students participated in the program. “The reason we do this with eighth-grade students is because they’re at the point when they’re making choices about what high school classes they’ll be taking – either college prep or pursuing a vocation at the CTC,” said Belczyk. “It’s a good time in their lives to have that first reality check.”

McFarland agreed, “It was a great life lesson for them.”

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