Winchester- How an interstate highway changed the face of one small town Facebook – a growing marketplace for local entrepreneurs When kids know best Giving some love to those dog days Junior Fair BBQ again a big success Beulah B James Senior Profile: Josie Myers Lady Indians place second at Ohio Classic in Hillsboro MVCA dominates Greyhounds in 45-0 triumph For Lady Devils, SHAC streak goes to 55 matches 9/11: Sixteen years later Gertrude Gibson Defender Bowl coming Sept. 16 Joyce A Walker Virginia R Young Senior Profile: Abby Campton West Union hosts 2017 Dragon Run New gridiron history begins for Peebles Trout, fire, and blueberry fields forever Senior Profile: Baylee Justice Lady Devils win SHAC thriller at Eastern Brown From Blue Creek to the Beaneaters Tough loss for Greyhounds in season opener Turning tragedy into hope What we learn from failure Absolutely had to get the wrinkles out Frances S Kidder Leo Trotter 41st Bentonville Festival set to begin Sept. 8 Winchester celebrates its history during three-day street fair Cruisefest returning to streets of Peebles Blue Creek- a community in transition honors its history and heritage Cuteness Galore – Winchester Homecoming Festival Baby Show Ronnie L Day Cast your vote for the Adams County Fairgrounds Nelson E Atkinson Ryan L Colvin Richard Tackett William L Tadlock Penny Pollard Wendell Beasley West Union soccer drops pair at Mason County Lady Indians go down in straight sets Senior Profile: Michael Gill Senior Profile: Katie Sandlin Royals dominate in big win over North Adams Dragons continue County Cup domination Archaeology Day returns to Serpent Mound Hourglass Quilt Square is back up again Manchester family hosts International Guests History, farming, and family- the bedrock of Cherry Fork’s community Bus drivers, emergency responders prepare for coming school year Working up a real good sweat What’s behind the motive? Rondal R Bailey Jr Thelma J Yates She’s all grown up now Scott A Yeager Soccer talent on display at 2017 SHAC preview Baseball community mourns the loss of Gene Bennett Winchester Homecoming Festival is Aug 25-27 Eleanor P Tumbleson Felicity man killed in Ohio River boating accident WUHS golfers take Portsmouth Invitational It was pretty cold that day Volleyball kicks off with SHAC Preview Night Young awarded Women’s Western Golf Foundation Scholarship One Mistake Senator Portman visits GE Test Facility in Peebles Adams County school districts facing some major challenges for the coming year Family, friends, and roots: the ties that bind residents of one Adams County village What is your strength? Just the chance to take a look back Ronnie L Wolford Dale J Marshall Herbert Purvis Great American Solar Eclipse coming Aug. 21 BREAKING NEWS: West Union wins fifth consecutive County Cup Wallace B Boden John L Fletcher Lady Indians golfers learning the links North Adams, West Union golfers open 2017 seasons This Labor Day, ‘Drive Sober or Get Pulled Over’ Blanton announces candicacy for Court of Appeals Local student attends Congress of Future Medical Leaders MHS welcomes new principal Made in America When it feels like you’re spinning plates Bonfires and “building” a farm Lady Devils looking to take that next step 50 years of Bengal memories Ag Society delivers donation to Dragonfly Foundation Young Memorial Scholarship awarded to a pair of local seniors ‘Musical passion is in his blood’ Naylor named NAHS Principal Boldman retiring after 17 years as Homeless Shelter director Manchester concludes another River Days celebration Drug Treatment vs. Prison James R Brown Bobby Lawler Jr

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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