About the Author

Yanely Espinal

Born and raised by Dominican, immigrant parents in Brooklyn, Yanely is a proud product of NYC public schools. She graduated from Fiorello H. LaGuardia High School in 2007 before going on to receive her bachelor's degree at Brown University in 2011. As a Teach For America corps member, Yanely taught third and fourth grade in Canarsie, Brooklyn. She received her master's degree from Relay Graduate School of Education in 2013. She spends her spare time making YouTube videos about personal finance on her channel, MissBeHelpful. Yanely also loves to dance, sew, paint, listen to podcasts, and babysit her soon-to-be 7 nieces and nephews!

Author: Yanely Espinal

FinCap Friday (11/8/19): Peer-to-Peer Apps Go Head-to-Head

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Nov 07, 2019
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FinCap Friday
This week's FinCap Friday explores the status of some very popular and well known apps used to transfer money between friends. Now that this P2P trend is commonplace almost everywhere, what are the things we need to keep in mind about using apps to transfer money to friends and family? Dig into this below in the latest episode of FinCap Friday:  If you're short on time, try our simplified FinCap Friday (No Tech) with the questions embedded right into the slide deck!...

FinCap Friday: That's Gross!

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Oct 31, 2019
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FinCap Friday
This week's FinCap Friday explores the concept of payroll deductions and how they impact your take home pay. In the midst of an FBI investigation spurred by millions of dollars being taken from employees by a payroll company, we are reminded of the importance of double checking our paychecks and pay stubs. But why is it so hard for people to do this in the 21st century? Watch this week's episode below to find out that and more! If you're short on time, try our simplified FinCap Friday (No Tech)...

FinCap Friday: Impress for Success

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Oct 24, 2019
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FinCap Friday
In this week's FinCap Friday we check out some of the latest data around what skills employers are most interested in finding among their applicants. Is it high test scores? Computer skills? You may be shocked to know that it's not really something that you take classes on in school! A new survey from LinkedIn shows us more details about the most employable skills you can have in the 21st century. Find out all about what those skills are and how you can start building and practicing those...

FinCap Friday: When the Mean is Nice

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Oct 17, 2019
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FinCap Friday
In this FinCap Friday we check out the recent news about the stock market. For the first time in history there has been a shift towards index funds and slightly less money is invested in actively managed funds. Morningstar Inc. estimated that over 4.27 trillion dollars are now invested in low-cost index funds. But what does this shift mean for investment managers or for average investors? Find out in this week's FinCap Friday: If you're short on time, try our simplified FinCap Friday...

FinCap Friday: Gotta Habit

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Oct 10, 2019
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FinCap Friday
This week's FinCap Friday takes a look at the ways in which our environments affect our financial habits. With the results of a recent survey about parents, their kids and money, we can see some trends in financial habits among the next generation! The question is, will they be able to find ways to change their financial habits for the better before it's too late? Is it possible to change your own habits, and if so - how? Find out with the FinCap Friday below: If you're short on time, try our...

FinCap Friday: Be Fast with the FAFSA

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Oct 03, 2019
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FinCap Friday
This week's FinCap Friday brings you some information about the FAFSA - What is it used for? Why does it matter? Who should file the FAFSA? When is the deadline? Paying for college is one of the biggest purchases people make in their lifetime and the application process for college admissions and college financial aid are far from simple or straightforward. Find out all about the FAFSA details that matter most in this week's episode below:  If you're short on time, try our simplified...

FinCap Friday: Move Over, Millennials

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Sep 26, 2019
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FinCap Friday
This week's FinCap Friday takes a look at some of the recent data regarding the financial habits of the newest generation of spenders... Generation Z! After looking at the major differences between Gen Z and the previous generation, called Millennials, student will better understand the current financial state of the oldest members in this new generation and why they're making decisions slightly differently compared to the generations that came before before them. If you're short on time, try...

FinCap Friday: Gaming Gone Global

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Sep 19, 2019
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FinCap Friday
In this FinCap Friday we take a look at a fast-growing industry that is quickly increasing global revenue: esports and video gaming! Esports has become a hot topic in tech and entertainment because of its huge potential for growth and video games have long attracted millions of gamers. But now that this industry is all the buzz, investors are getting excited about making profits by investing in gaming companies. How would someone go about investing in gaming and esports? Watch this week's...

FinCap Friday: Nike Eyes Growing Feet

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Sep 12, 2019
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FinCap Friday
In this FinCap Friday we check out the latest news from Nike. A brand new subscription service launched in August of 2019 targeting children between the ages of 2 and 10. Parents will pay monthly to receive sneakers in the mail with personalized activities for their kid. Sounds wonderful, but many are curious if the price is worth it. How much would this cost for a family and what happens to all these sneakers when kids outgrow them? Find out in this week's FinCap Friday: If you're short on...

FinCap Friday: Bonds, Lame Bonds

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Sep 05, 2019
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FinCap Friday
This week's FinCap Friday focuses on the recent buzz in global news: negative interest rate bonds. I bet you're wondering how this is even possible and what it means for investors? Find out with the latest FinCap Friday below! If you're short on time and you want to avoid the students dealing with tech set-up, try our simplified FinCap Friday with no-tech needed! This deck includes the questions embedded right into the slides! ----------------- Check out all of our FinCap Friday...

FinCap Friday: The Endless Stream

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Aug 29, 2019
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FinCap Friday, Current Events
We know your students are obsessed with watching Netflix! Who isn't a fan of binging a good show? With all the new subscription video streaming services being announced in the news this summer, it's a perfect opportunity to strike up a conversation with your students about the financial implications of adding new streaming services to your monthly rotation. Learn more in this week's FinCap Friday below:  If you're short on time, try our simplified FinCap Friday with no need for tech! This...

FinCap Friday: What's in Your Wallet?

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Aug 22, 2019
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FinCap Friday
In 2019, Capital One ranked 10th on the list of largest banks in the United States. Needless to say, they're pretty well known! And now they have a pretty well-known scandal involving cyber security too. It's been reported that the incident impacted millions of people in the U.S. and Canada. But, what exactly happened and who should be concerned? Find out all about it in this week's FinCap Friday: If you're short on time, try our simplified FinCap Friday with No Tech needed. This includes the...

FinCap Friday: Dangerous Downloads

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Aug 15, 2019
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Current Events, FinCap Friday, Financial Scams
For our first FinCap Friday of the 2019-2020 school year, we highlight a viral app that led to lots of dangerous downloads! This episode focuses on why it's so important to read and understand terms before agreeing or signing on the dotted line. How many young people do you think practice the habit of reading before signing? Find out the answer to this question and more in this week's FinCap Friday: If you're short on time, try our simplified FinCap Friday with No Tech needed. This...

FinCap Friday: Summer Jobs

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Jun 13, 2019
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FinCap Friday
In this FinCap Friday, we go over trends regarding teens working summer jobs. In the past, the summer has been seen as an opportunity to stack up some cash, but trends are showing that the summer is starting to be viewed in a different light! Play this FinCap Friday to find out what some of these new trends in summer teen employment are. If you're short on time, try our FinCap Friday (No Tech) here! Questions are embedded directly into the slide deck.  -----------------...

FinCap Friday: Rent Your Drobe

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Jun 06, 2019
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FinCap Friday
In this FinCap Friday, we take a look at a trend that is increasing year after year in the world of fashion. Many are even going as far as calling it the "future of fashion!" From individual people renting their clothing to entire companies building businesses on the idea of re-useable fashion wear, renting your clothes rather than buying them is becoming more and more popular. Want to find out why? Play this week's FinCap Friday below: If you're short on time, try our No-Tech version of FinCap...