12 Money Lessons for Kids

These relatively simple money lessons are highly adaptable for mentees. 

12 Money Lessons Your Child Should Know Before Age 12

by Christine Alford

June 25, 2015

 U.S. News & World Report

Cathe

There is unfortunately a significant lack of financial education in our country, which makes it more important than ever for parents to teach basic money lessons to their children.

Although some financial topics might seem challenging, you might be surprised what your children can absorb. From about age five, children can understand saving and spending, and as they get older they can learn more about budgeting and even investing.

To give you some examples, here are 12 money lessons your child can learn before age 12:

1. What it means to buy a stock.

forbes.com

Even a younger child can understand the concept of buying a stock. Explain to them that when they buy stock, they are buying a small portion of a company. If the company does well, they make money since they are a partial owner in the company. If it doesn’t do well, they could lose money. Sit with them and pick out a few companies they recognize and follow the stock from week to week to explain your point.       

2. What it means to be greedy.  

Most children can understand the feeling of greed, especially in terms of not wanting to share toys. However, they need to understand the consequences of greed. Explain to them what happens when one person hoards all the resources. Teach them to be giving instead of greedy. 

3. How to donate wisely.  

Your child is going to come across a lot of people who want them to donate their money. You can teach them how to research a cause or a company or how to be giving to a friend in need.  

4. How to budget.  

Budgeting is one of life’s most essential skills, right up there with learning how to do your own laundry and make a simple dinner. When you teach a child to budget, or better yet, have them learn from your budgeting skills, you will give them a lifetime of financial security.

5. What it means to pay taxes and fees. 

Most older children will know what the word “taxes” means in theory, but you could always take it a step further by imposing your own tax. Also, I once knew a family who charged late fees if chores weren’t done on time. Their kids learned a valuable lesson and, of course, learned that people mean business when they threaten to impose fees.

6. How to save for large purchases.

tvtropes.com

In a world where adults are frequently offered 0 percent store cards so they can make large purchases right when they want them, it’s important to teach your children how to save for large purchases. Not only will it give them time to decide if it’s something they really want, but they can get the satisfaction of paying for something that they worked so hard to save for.

7. What it means to be in debt.  

I remember my mother telling me that debt is a fact of life, but I’ve come to realize that there are many people and families who operate entirely debt-free. It’s my goal to also be debt free someday, and I want my children to know that’s the real way to experience a life of financial freedom. 

8. How to track your spending.                       

kidspot.co.nz

One of the quickest ways to learn how to manage money is simply to know where it’s going. If you give your child $5 but they don’t know where it went after a few days, it’s time to encourage them to keep track of what they spend. They can record it by hand or type it into their phones if they are old enough to have one.

9. Defining needs versus wants.

It’s a good exercise for everyone to go over what needs are versus what wants are. Talking to your child and asking them to point out which things in the house are needs or wants will help to reemphasize this.

10. How to buy used items.  

Some people are against buying used, and if that’s you, that’s perfectly fine. Just teach your child that there is an option to buy used, whether it’s for clothes or iPhones.  

11. The meaning of compound interest.  

This is likely a lesson for older kids, but like buying stocks, it’s good preparation for future investing. You can teach them how to calculate compound interest and basically give the lesson that the earlier they invest, the better off they’ll be.           

learn.dailyfinance.com

12. How to use credit wisely.

Teach your child how a credit card works or they might assume it constitutes free money. Let them know that whenever you swipe the card, you have to pay it off at the end of the month. Let them know that if you don’t pay it off, you will be charged interest, and if the payment is late, lots of fees. They should have an understanding of interest and fees from the lessons mentioned above, so it all comes full circle.

Ultimately, as a parent, teaching your children about money is probably one of the most important gifts you can ever give them. Smart money management will set them up for a lifetime of stability and freedom, and who doesn’t want that for their kids?

http://www.msn.com/en-us/money/personalfinance/12-money-lessons-your-child-should-know-before-age-12/ar-AAc6Bys?ocid=HPCDHP

Ret. 6-28-15

"The 15 Money Rules Kids Should Learn"

These timeless rules are followed by the rest of the Opdyke's article. Mentors and mentoring organizations can work these principles into presentations, training, or conversations, including incorporating them as a parental mini-lesson with food and fun. Remember we are reaching out to parents to inform them about becoming more positively involved in their children's lives and perhaps helping them improve their own circumstances.

by Jeff D. Opdyke

provided by the Wall Street Journal


Teach Your Children Well

1  Spending money happens only after you earn it.

2  When kids start asking parents to drive to the toy store to buy some plastic whatnot, it's time to consider an allowance.

3  The size of an allowance shouldn't be so meager that your child is a pauper among peers, nor so generous that your child can easily afford all wants with little financial planning.

4  Good grades are expected, and help around the house is simply the price of family life.

5  While 16 is usually the legal age of employment, encourage kids starting around age 13 to think of ways they can earn an income.

6  Guide and advise your kids about money, but don't dictate. 

7  Failure to balance the debit card bank account monthly means losing access to the debit card for a week or more; failure to repay an entire month's cred cared balance means the loss of the card until the balance is fully paid off plus one additional month.

8  Only 50% of the money put into a piggy bank can be taken out to buy something. At least half must remain inside the pig.

9  Children should have the right to screw up financially so that they can learn from their mistakes.

10  When it comes to investing in stocks, kids should understand a company at such a basic level that they can draw a picture of the business model with a crayon.

11  You don't need to be wealthy to begin teaching your children about the stock market.

12  If a child's charitable interests lie outside your social interests, so be it.

13  Parents don't have to save every last dime a child will need for college expenses. You only have to save up to your ability or desire to pay.

14  One of the greatest gifts you can give your child is your own financial self-sufficiency when you're old.

15  At some point, you have to tell your kids that the Bank of Mom and Dad is officially closed.


It's simple calculus, kids and money: From birth until college graduation, children consume dollars like they're chicken nuggets.

For those of us who aren't independently wealthy, that puts unrelenting pressure on the family pocketbook. The financial demands of raising a child require that money you otherwise might use to prepare for retirement, or to ave for a nicer house, a sportier car or a swankier vacation, must, out of necessity, be earmarked for Lego sets and pediatrician visits and school uniforms and Christmas toys and a college savings account and a minivan and a trip to Disneyland...and lots of, well, chicken nuggets. 

I'm not saying this to disparage kids. I have two of my own, and money is nothing in comparison to the happiness they bring me and my wife. Yet happiness does not negate the fact that the moment a child arrives--and actually, months before the arrival--your role as an adult changes in dramatic, profound ways. 

And so, too, does your family's financial life.

Not only are you now on the hook for tens of thousands of dollars in costs over the next two decades, you also have a new obligation to teach your children about money so that they grow up into adults who are at home in the financial world and who have a healthy relationship with money. You, the parent, are the first and the most crucial link in that learning process.

[In this case, the most crucial link may be the mentor!]

March 26, 2010
yahoo.finance.com

Junior Achievement Investor Challenge

An intensely competitive, fast-moving, high-impact stock exchange simulation…

To learn more, see this video: http://youtu.be/h4WQJDGoisc

eller.arizona.com

Each team of students receives a mentor from the business world. As Belynda Clanton said, “The kids huddle around their mentors.”

Kelly Ogle, KWTV Channel 9 news anchor, prerecords breaking news that affects the stock market.

Excerpts from "OVERVIEW"  

The Investor Challenge is an exciting and educational "hands-on" introduction to the stock market. High school student teams are given the chance to experience the excitement of buying and selling stock shares on a live trading floor at one of four sessions.

 The event is free to student teams and is so popular that we have expanded to serve 800 high school students this year!

The Junior Achievement (JA) Investor Challenge is an annual event based on the principles of investing and trading.  To summarize the event, we use a state-of-the-art computer program, wireless technology and realistic trading screens, to simulate a fast-paced stock market environment. Teams of 4 will be given $500,000 in “virtual” money to purchase shares in a variety of fictitious companies.  

Giant [20-foot] screens in the room will project team standings and changing stock values.  Teams can receive additional capital by completing a lesson in class and bringing their completed form to the event. Teams will receive stock tips on day 20 and day 40.  This program emulates a 60-day trading period in less than two hours, with nearly 80 seconds of trading for each day.  Each team’s objective is to create the highest net-worth by the end of day sixty. The winning team will receive the highly coveted “JA Investor Challenge” trophy.   http://tulsa.ja.org/ 

The growth of JA Investor Challenge in Oklahoma City with a facility capacity of 200 could mean that JA will have two days next year. The facility at the Tulsa Tech-Lemley Campus accommodates up to 800.

Thanks to all the businesses that support Investor Challenge!

Sources:

http://oklahoma.ja.org/    Ret. 3-20-14

Belynda Clanton (personal communication, March 12, 2014)

Jo Wise (personal communication, March 3-19-14)

Junior Achievement's BizTown

bowenpeters.weebly.com

Junior Achievement programs reach parochial, public, home and public schools. JA grows progress in a strategic way to impact students from elementary through high school. BizTown is another exciting, experiential JA programming component.

An optimal strategy for going to JA BizTown®, one of thirty sites in the U.S., is that kindergarten through fourth graders have taken the Junior Achievement curricula and this trip is the eagerly anticipated "tradition" as a fifth grader. Fifth graders could, however, go without previous JA classes since preparatory curriculum  precedes the visit.

How is the BizTown field trip/experience financed? Businesses, foundations, individuals and some schools alone or in partnerships pay for the lessons and the travel. 

newson6.com

From the programs page of the JA website:

JA BizTown engages students in the role of workers and consumers in a series of classroom lessons that culminates in a day-long visit to JA BizTown, a fully-interactive simulated town.

Through daily lessons, hands-on activities, and active participation in the simulated community, students develop a strong understanding of the relationship between what they learn in school and their successful participation in a worldwide economy. 

Through five units composed of 21 lessons, students learn about communities, the economy, free enterprise, taxes, and philanthropy. They delve into personal finances: how to write a check, make a deposit, and open a savings account. They explore work skills, teamwork, and job applications. Finally, in preparation for their visti to JA BizTown, students explore business management, including costs, pricing, advertising, and ethics. 

newson6.com

 Elementary school students work 

for Arby's, Bank of Oklahoma, Cancer Treatment Centers of America, Cherokee Nation, Cox Communications,  HollyFrontier, Linde, ONEOK, Reasor's, Ricoh, Schusterman Center, and Tulsa Tech in JA BizTown.                               

'Must-see video:   http://tulsa.ja.org/programs_2high.html    

Belynda Clanton, Junior Achievement’s vice president of program in Tulsa, shared some BizTown activities. Prior to the visit, curriculum prepares students. Once at the site, students are assigned a job and given a title with responsibility and then proceed to activities. For example, one small group of students, using math in a practical way, might lay a pipeline from ONEOK to Walmart. Another group of utility and environmental agents might read meters to calculate usage and billing. Junior scientists in lab coats might read directions, make something closely akin to “flubber” and then package, market and sell it. Groups make loans from the bank and have four hours to devise a way to pay back the loans. The students are busy!

Note: We are anxious to visit BizTown before school ends to update this post. 

http://oklahoma.ja.org/    Ret. 3-20-14

Belynda Clanton (personal communication, March 12, 2014)

Jo Wise (personal communication, March 3-19-14)

Junior Achievement Job Shadow™

                                        Dallas                                   

The value of bringing students to a workplace to experience and learn is inestimable. Junior Achievement has developed a successful model suitable for any business.

From the website:

JA Job Shadow offers students a unique opportunity: a visit to a professional work environment and insights into how to find and keep a fulfilling career.

Students participating in the program will acquire and apply the skills needed in demanding and ever-changing workplaces. Students will be able to recognize career clusters and potential job positions; understand the importance of researching the requirements needed to earn a position; and develop job-hunting tools, such as networking, resumes, and interviewing skills.

JA Job Shadow is recommended for high school students. The program is composed of three 45-minute classroom sessions and the job shadow visit, which is usually four to five hours in length.

Materials are downloadable and include detailed session plans for the site-coordinator, students, and teacher. The program also provides instructions to allow students to begin using the Kuder Navigator, an online educational and career planning system designed primarily for today's middle and high school students.                                                                                                       

https://www.juniorachievement.org/web/ja-usa/ja-programs  Click on JA Job Shadow™

This model provides curriculum for classroom teachers to teach and for the managers to review prior to the site visit. A scenario might include an HR manager reviewing the different career clusters at the enterprise. Department heads might speak. With groups of four or five students for two to three hours,  the managers return to and tour their departments, discuss work ethics, pose ethics questions, interview students for a job (Students are semi-prepared.), and then return to the group at noon for lunch and group discussion. Lessons in the classroom follow the job shadow event.

The State Capitol has an annual JA Job Shadow™ event, in which students, usually from the legislators’ districts, participate. Under coordination is a shadowing event with NORDAM, a once in a lifetime opportunity.  JA Tulsa requires students from high need schools.

Colorado

To begin: Contact Junior Achievement, which can ask a business if it will host one or multiple group events during the school year at its facility.

Advantages: This “lesson” is highly respected and the least intrusive because of its structure. Little time is redirected, none lost. Workforce development is essential in business, and as Tulsa's Belynda Clanton, Junior Achievement’s vice president of programs, said, we “must inspire them before they learn.” Many students have no concept of a work site experience prior to this opportunity. Furthermore, every business can participate even with confidentiality. For example, the Cancer Treatment Centers have hosted job shadowing. Students interact with managers, not just follow them around. Job Shadow is a win-win.

Las Vegas

Possibilities for JA Job Shadow™ The list is endless, and all sizes of businesses can host: groups representing municipalities and their various departments, governmental agencies, media, communications, construction both home and commercial, energy, law, finance, higher education, insurance, public or private schools, agriculture, manufacturing, convenience stores, department stores, food distributors, franchisees/ franchisers, nonprofits...

The concept of Junior Achievement is a hands-up approach, which communities should eagerly champion.

Sources:

http://oklahoma.ja.org/

(Belynda Clanton, personal communication, March 12, 2014)

(Jo Wise, personal communication, March 19, 2014)

Additional notes:

Oklahoma’s national representative on the U.S. Junior Achievement Board of Directors is Alan Armstrong, president & CEO, The Williams Company, Inc., based in Tulsa.                 

                      

Junior Achievement Overview

Communities, both rural and urban, should explore this student-engaged resource to accomplish several goals, e.g.,

•          Teaching “work readiness, entrepreneurship and financial literacy” 
•          Involving local business men and women as mentors  
•          Delivering easy-to-use, interactive , effective learning activities and curriculum  
•          Offering students a different perspective and other options

Delivering the Junior Achievement lessons gives the business person a platform, e.g., how you lose a job, how you brand yourself, his or her experiences… 

The key piece is the volunteer, i.e., having a real person with the students.

Programs provided: (Several of these will receive separate blog posts for more detail.)

•          Kindergarten – twelfth grade curricula
•          JA Job Shadow
•          JA Investor Challenge
•          JA BizTown Learning Center, Tulsa (one of 30 in the U. S.)
•          Finance Park (an "immersive simulation," piloting now, for middle and high schools)

Opportunities for rural areas are endless to pay for curricula, provide volunteers and sponsor a BizTown trip.

•          A local business or businesses
•          A foundation-businesses partnership
•          A school-foundation partnership

Opportunities for urban areas are also endless, but businesses, alone or in partnership, can sponsor and provide curricula for one or more schools. Often in Oklahoma City, a business or partnership of businesses adopts one school and focuses effort there over time.

Examples include Ft. Gibson’s Armstrong Bank, which provides the volunteers and pays for the curricula for grades K-4 and sends the fifth graders to BizTown. In Okmulgee, the community is more involved so a school and foundation partner, too, for K-4 lessons in five elementary sites as well as some high school classes. Stillwater Public Schools sends all of its fifth graders to BizTown annually. Sarkey’s and the Pottawatomie Nation have donated some funding to target rural areas.

Jo Wise with poster from a recent lesson

Curriculum excerpt: To middle school students, Jo Wise recently taught a lesson featuring a donut company. For example, to compare assembly line manufacturing with one-person craftsmanship, students “made” and decorated donuts both ways. What are the pros and cons of each method? 

This series also focuses upon positive and negative qualities of an employee. In the photo, Jo is holding the “How to Keep (or Lose) a Job” poster the students completed. Jo, the director of the Oklahoma City JA office, talked about the curriculum as we looked through the instructor's book and learning activities. All learning strategies are reviewed and updated every three years.

In addition, Jo mentioned the branding interview, which encourages students to begin building their personal brands now. Since students have identified two or three possible careers by this point, she asks them what are they doing now? What can they do through their school careers to build their brands and accomplish goals? Suggestions include joining an organization or group such as scouting or a choir or volunteering for fundraising. A tool for this discussion is a large journey map from childhood to adulthood. 

Borrowing from the programs’ page of the website are these concepts and skills from the six-session JA It's My Future program Jo is teaching:

Concepts: Brand, Career clusters, Career mapping, Career planning, Employee, High-growth jobs, Interests, Job application, Job forecast, Job hunting, Job interview, Logo, Long-term consequences, Personal brand, Recommendation, Resumes, Short-, middle-, and long-term goals, Skills, Soft skills, Symbolism, Tagline, Technical skills, Working environment

 Skills: Analyzing data, Analyzing information, Categorizing data, Creativity, Following written instructions, Goal-setting, Interviewing, Mapping, Model building, Oral and visual presentation, Oral and written communication, Organizing information, Reading for Understanding, Self-Assessment, Working in pairs and groups    

Course materials similar to what Jo Wise taught and shared.

 Beginning is easy. Within a community, schools and businesses need to talk. Partners can ask schools what in-school or after-school programs they need, and businesses can decide what they are willing to provide. Often schools and businesses without a known partner contact Junior Achievement. If a school calls, the first question is, " Do you have a business to sponsor a few classes, e.g., a bank to sponsor third grade?" Contact JA. http://oklahoma.ja.org/

To learn more about the Junior Achievement program descriptions: https://www.juniorachievement.org/web/ja-usa/ja-programs .

Pricing: Businesses review the fee structure for classes and chooses. Junior Achievement provides materials at cost (no profit). Businesses involved are generous supporters, but JA channels as much funding as possible toward growing programs.

JA Oklahoma’s goal is to reach 52,000 students mentored this year and eventually cover the state. Currently, the organization has the Tulsa and Oklahoma City offices with regions, e.g., Muskogee, Bartlesville and the Cherokee Nation, and works with 67 school districts in 14 counties.

Junior Achievement Success video featuring BizTown Tulsa and Oklahomans

http://youtu.be/sJnvp48S-mY

Notes:As of March 19th, 62 Oklahoma City area schools are involved in JA programming. (We did not request the Tulsa area number.)

As of March 5th, 113 days at BizTown had been scheduled by state schools--private, public, parochial, and home.  Depending upon the number of attendees, the facility can accommodate more than one school at a time. Read more about Junior Achievement programs in following posts.

Sources:

http://oklahoma.ja.org/
(Belynda Clanton, personal communication, March 12, 2014)

(Jo Wise, personal communication, March 19, 2014)

Warren Buffett's $ecret Millionaires Club

Developing Healthy Financial Habits

Elena 

Radley

Warren

Why I started the $ecret Millionaires Club

by Warren Buffett

We created the Secret Millionaires Club to help kids develop healthy habits, and provide a fun way for kids to learn about the “business of life.” I thought the idea of using the power of cartoon characters to carry a message was a good one, as is teaching financial lessons at an age when it can really help kids.

We’ve taken those same lessons from the television series, and created toys and books and games, providing other ways to make it fun for kids to learn about business. And three years ago, we created a program that encouraged kids to use what they learn from Secret Millionaires Club to create their own businesses.

The Grow Your Own Business Challenge is a national competition available in thousands of schools and youth organizations across the country. The competition offers an educational website and downloadable materials to help kids develop their ideas. Thousands of kids enter the competition every year.

The finalists come to see me in Omaha and present their business plans. It’s a lot of fun for the kids, their teachers, parents and most of all for me! Each year, I am amazed by the ideas these kids come up with. For those who are pessimistic about the current state of affairs in this country, they need only spend a few hours with these terrific kids to see that the best days of this country are before us. The program is proof that at a very early age kids not only understand financial matters, they come up with some pretty extraordinary ideas themselves, and have a lot of fun doing it.

Lisa

Jones

http://www.smckids.com/

From the website:

ABOUT THE SECRET MILLIONAIRES CLUB

The Secret Millionaires Club is an animated series that features Warren Buffett as a mentor to a group of entrepreneurial kids whose adventures lead them to encounter financial and business problems to solve. The program teaches the basic of good financial decision making and some of the basic lessons of starting a business. The animated series has 26 online short webisodes and TV specials featured on the HUB cable network. The animated series is created by A Squared Entertainment. Watch Webisodes In 2011/2012, the animated series branched out into a sponsored educational program, "Learn & Earn" with in-school materials for teachers, at home activities for families and afterschool activities for youth organizations. The program includes an annual national competition that challenges kids to come up with their own business ideas. The winners and finalists of the first annual competition shared their business ideas with Mr. Buffett in Omaha. - 

See more at: http://www.smckids.com/about.php#sthash.lnvkrf9F.dpuf

More from the website, sample episodes include location, reputation, etc.,

Webisode 26: Cancel My Reputation Build a Good Reputation

See more at: http://www.smckids.com/#sthash.79OLBmg7.dpuf 

By the way, the Secret Millionaires Club has curriculum guides coordiated with 4-H, Junior Achievement and Girls, Inc. Check out all that is available at the smckids website.

 Ret. 3-3-14

Warren Buffett's Tips

Photo: themariogrecogroup.com

Warren Buffett’s 

7 Tips to Raising a 

Money-Smart Child

Simple lessons that challenge students to develop healthy financial habits.

by Warren Buffett

It’s never too early to help kids develop healthy life habits. My dad was my greatest inspiration and role model. From a young age, he taught me about responsibility and the consequences of the decisions I would make in my life. He helped me develop healthy habits—such as the importance of saving and the importance of understanding and enjoying the business you are in—that still help me today. He also taught me the value of hard work.

 When I was six, I started my first business. I bought a six-pack of Coke for 25 cents and sold the cans for a nickel each. Probably my best business! I did the same thing with magazines and gum, door to door. Those early businesses taught me about supply and demand, and location, and the importance of price. These were invaluable lessons that were fundamental to my learning. And I had a lot of fun doing it.

The life lessons that I learned back then would serve kids well throughout their whole life. Things like:

1.    The best investment you can make is an investment in yourself.

2.       The more you learn, the more you’ll earn.

3.       Learn from your mistakes, and the mistakes of others.

4.       Great partnerships make any job easier.

5.       Fail to plan, plan to fail.

6.       With business, as in life, get to know people before you judge them.

7.       It’s not just the outside that counts, it’s the whole package.

These are simple lessons to help kids, and adults, live healthy, productive and successful lives. It is good for PTAs to teach kids financial literacy, which extends well beyond the school day.

http://www.ptaourchildren.org/ourchildren/february_march_2014#pg24   Ret. 3-3-14

For mentors and mentoring organizations to teach financial 

literacy and other life lessons is also positive. 

Tulsa's Partners in Education: About Mentoring

Note the different forms of mentoring suggested by the Tulsa 

Partners in Education program. All are applicable in any town. 

City of Tulsa joins Partners in Education program

Posted on: February 28th, 2014

The Honorable Dewey F. Bartlett, Jr., Tulsa Mayor, First Lady Victoria Bartlett and school leaders on Friday inaugurated the city of Tulsa’s new partnership with Emerson Elementary School, wherein city employees are being asked to spend their lunch hour with Emerson students weekly as part of the Partners in Education program.

Learn more about the city’s new partnership here.  [video]

The announcement was made at the Mentoring to the Max Breakfast with Dewey Bartlett, where the Tulsa region’s top mentoring leaders and organizations — including Junior Achievement, 100 Black Men of Tulsa and Skills USA — came together to describe how even an hour of one-on-one time with a child can have a dramatic impact on academic performance, behavioral tendencies and overall well-being.

A key component of the Partners In Education program, mentoring is a free and easy way to boost volunteerism and general well-being among your company’s employees, improve community standing and help make a difference in the lives of students. Mentoring can take a number of forms, including:

• A regular but brief one-on-one session with a student in which a mentor visits informally with the child. Discussion topics might include schoolwork or the child’s home life, but regardless of the topic, the mentor acts as a responsible friend. Just having a stabilizing adult presence can boost a child’s grades and instill self-confidence.

• Lunch buddies. An even more informal one-on-one mentor relationship, lunch buddies need only spend one lunch hour a week with a student in a friendly lunchtime environment.

• A one-time “career presentation” to a classroom. Students can benefit from hearing the perspective of a member of the workforce regardless of profession. Exposure to different professions and potential careers can give a child direction in life.

• Opening up a workplace to guided tours for students. Much like career presentations to classrooms, workplace tours can be a powerful influence on a student’s career choices.

Email Chamber Education Program Manager Kuma Browne at kumabrowne@tulsachamber.com for mentor opportunities.

https://www.tulsachamber.com/subject/education-workforce/#/news/city-of-tulsa-joins-partners-in-education-program/   Ret. 3-3-14