Ryan, Sowards lead Lady Indians to easy win in season opener, 57-36 over Felicity Senior Profile: Wes Hayslip Justice off to hot start at VSU County boys’ squads on display in annual SHAC Preview Night ‘Operation Christmas Child’ collects 1,707 shoe boxes for needy children Two animal cruelty cases investigated in Adams County DP&L considers closing power-generating plants in county Holiday spirit makes an early appearance in Adams County Chester A Mann Jeffrey A Daley Sr Michael G Tincher DAR sponsors Good Citizen Award Ohio’s young hunters harvest nearly 6,000 deer during Youth Gun Season Senior Profile: Kayle Thomas Helen N Hiestand Rev Walter R Egnor Sr Betty Beam Jamie L Corrill Jeffrey L Heppard Edsel L Massey Jr It is time to stop and take time to give thanks on a special day Another year to be very thankful for Senior Profile: Savannah McCoy McCoy signs to continue golf career at SSU North Adams hosts SHAC Girls Preview DAR commemorates 50th anniversary of Vietnam War Historical Society honors veterans Star Wars routine leads Fancy Free Cloggers to ‘America’s Got Talent’ A Day at the Opera Eagle Creek draws community to Thanksgiving celebration Ward ekes out victory over Worley in county commissioner race Mary A Garman Ronald L Palmer Joseph S McClanahan II Emma O Hayslip Devils slip by Georgetown in Foundation Game Hupp, Hunter, Wolke named OSSCA Second Team All-State Senior Profile: Kain Turner Lady Devils romp in Foundation Game Oh, those aromas coming from Mom’s kitchen What Became My Biggest Project Deer gun season set to begin ‘Trees to Textbooks’ shares revenues with local schools and communities BREAKING NEWS Winchester’s Baxter wins Miss Ohio USA 2017 pageant Genny Elkins Pauline S Stevenson Donald E Lewis Sr Charlotte R Seaman Ruth Prater Bennie Skaggs Gertrude Swayne West Union High School hosts impressive Veterans Day ceremonies Peebles Elementary hosts ceremony to honor local veterans Duke Energy exits Killen and Stuart Plants GE Aviation hosts annual Veterans Day celebration Senior Profile: Logan Gordley Jeffrey A Brown Sr Peebles Library welcomes local author and survivor on Nov. 19 Homer C Eldridge Robert W Schomberg One Commissioner race too close to call in unofficial count Voters approve majority of county levies on Tuesday’s election ballot NAES Sixth Graders practice the democratic process Honoring one who gave the ‘last full measure of devotion’ Overcoming adversity, veteran of Iraq War opens local business Senior Profile: Ben Figgins Senior Profile: Macy Mullenix SHAC Basketball Previews are set for Nov. 18 and 25 Trio of local golfers finish careers with trip to the highest level of high school competition Peebles sophomore Jenny Seas finishes sixth in OHSAA state cross-country meet Upset win sends Trump to the White House ACRMC awarded plaque for 50 years of service Peebles Elementary releases Honor Roll for First Nine Week Grading Period BREAKING ELECTION NEWS! Senior Profile: Jordyn Kell Orlie H Kirker Military homecoming at NAES Second half spells doom as Greyhounds fall to Hillcrest 42-12 in finale Senior Profile: Sarah McFarland WU’s Horton will continue golf career at SSU Lady Devils’ season ends in heartbreak with 3-2 loss in District championship battle Christine R. Ritchey Operation Christmas Child begins Nov. 14 Mental Health levy on tomorrow’s ballot Wanda L. Nixon David Rogers Robert “Bobby” Leonard Keneth Waters Commissioner Worley seeks re-election Republican challenger vies for Commissioner’s seat Charles Cooper Thelma J White Kayleigh L Crothers AEP Ohio employees support Breast Cancer Awareness Month WUHS holds annual Beta Club and Honor Society inductions When Saturday mornings belonged to the kids of the house Senior Profile: Gloria Purdin Green-White Night, OHSAA Meeting at WUHS on Nov. 9

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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