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: A Taxing Surprise

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Feb 25, 2021
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FinCap Friday
In early 2021, many Americans were surprised by their income tax returns. There are so many ways that people reached a point of frustration and confusing whether it is related to personal income taxes, business taxes, or investment taxes. In this episode of FinCap Friday, we take a look at some recent data about the tax situations of many Americans as the tax season progresses.  If you're short on time, try our simplified No-Tech option containing embedded questions right in the slide...

FinCap Friday: Terms of Use on the Loose

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Feb 18, 2021
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FinCap Friday
At the end of 2020, Instagram released updated terms of use for its users, but most people don't read through terms and conditions in general, llet alone when downloading or updating an app on their phone! This means that most people don't know what they agreed to because data shows most people agree to terms without reading through them. Why is this becoming a more serious concern over time? How can it affect people financially? Find out this and more in this week's FinCap Friday episode below:...

FinCap Friday: Minimum Wage is All the Rage

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Feb 11, 2021
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FinCap Friday
This week on FinCap Friday we examine arguments from both sides of a hot economic debate: Should the US federal minimum wage increase from $7.25 to $15 or not? It's important to consider that this debate is occurring in the middle of a pandemic when most American consumers and businesses alike are feeling pinched financially because of the impact of the current economic climate. What are the key arguments and who is most affected by this debate? Find out in the latest episode below:  If...

FinCap Friday: Are College Degrees Worth the Fees?

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Feb 04, 2021
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FinCap Friday
Life in the midst of a pandemic comes with a lot of uncertainty. Many current high school and college students are wondering if attaining a college degree is worth the price tag in a rapidly changing economy. 33% of prospective college students reported that they are reconsidering their decision as of December 2020. But what are some of the latest arguments for and against attaining a college degree in the 21st century? Find out in this week's FinCap Friday episode below: If you're short on...

A 15 minute primer on GameStop with Yanely and Tim

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Jan 29, 2021
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Investing, Current Events
Note: This segment is also the beginning segment of the NGPF podcast this week. ---------------------- Yanely and Tim bring you up to speed on recent developments with GameStop stock. Also, check out NGPF's lastest FinCap Friday on this topic: https://www.ngpf.org/blog/fincap-friday/fincap-friday-until-the-game-stops/ ...

FinCap Friday: Until the Game Stops

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Jan 28, 2021
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FinCap Friday
Did you know that FinCap Friday has been played over 1 million times!? Join us for a special VPD on 2/2 at 1pm PT / 4pm ET to discuss implementing current events discussions in the classroom by registering here. Attendees will be gifted a FinCap Friday hat to celebrate the crossing of 100 episodes! - - - - This week, it seems as though EVERYONE is talking about GameStop, the video game and electronics retailer. This company has been struggling for some time due to not being profitable as more...

FinCap Friday: Buy Now, Pay Later

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Jan 21, 2021
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FinCap Friday
New age "layaway" payment plans are taking over the shopping world! "Buy Now, Pay Later" loans as they are called (also called point-of-sale loans) are available now more than ever before as more and more customers turn to e-commerce and online shopping for their needs and wants. The most popular companies that offer these types of loans are Affirm & Afterpay. These loans allow customers to buy products now & pay later. But consumer advocates say to be very careful! Why the words of...

NGPF Announces Winners of 4th Annual PAYBACK Challenge Scholarship

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Jan 18, 2021
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Personal Finance, Contest Previous, Paying for College
PALO ALTO, California, January 19, 2021 - - - - -  Next Gen Personal Finance (NGPF), a non-profit committed to ensuring that ALL students leave high school with the financial skills needed to thrive in the future, is pleased to recognize the National Grand Prize and Honorable Mention award recipients in their 4th annual PAYBACK Challenge Scholarship Contest. Congratulations to the National Grand Prize winners who each will receive a $2,500 scholarship from NGPF to be used for educational...

NGPF Podcast: Kasey Ng on trading bonds on Wall Street and importance of internships

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Jan 15, 2021
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Investing, Podcasts
  It's a new year so we are trying a new format for the NGPF podcast. This week's episode starts with Yanely talking bitcoin which is the subject of her 100th FinCap Friday, Bitcoin Bonanza. Then you will hear from the "Bond girl," Kasey Ng, a 20-something on Wall Street who discusses the bond market, why having mentors is critical to career success and the skills needed to land a plum internship on the Street (spoiler alert: it's not all about financial wizardry). In our Office Hours...

FinCap Friday: Bitcoin Bonanza

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Jan 14, 2021
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FinCap Friday
SPECIAL ANNOUNCEMENT: This is the 100th episode of FinCap Friday! We can't believe that after just 2 years of this financial current events series we've been able to get to triple digits! We're eager to celebrate this with the NGPF community so we've planned a special VPD for FinCap Friday as a teaching tool. Join us by registering here. FinCap Friday hats will be awarded to a few lucky winners! - - - - - Bitcoin was a hot, buzzing topic several years ago and then it fizzled. In late 2020 and...

FinCap Friday: New Year, New Habits

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Jan 07, 2021
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FinCap Friday
NOTE: Join us for Virtual PD on January 13th called "Teaching Current Events: FinCap Friday in the Classroom." Click here to register!     A brand NEW year is upon is! But, survey data from back in December of 2020 shows us what Americans want to accomplish in 2021 through New Year's goals and resolutions. Many want to prioritize their finances in light of the difficult times suffered as a result of covid-19. While it is exciting that so many people want to be more financially...

FinCap Friday: From IPO to IP Whoa!

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Dec 17, 2020
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FinCap Friday
This week on FinCap Friday, we take a look at recent news surrounding the biggest IPO of the year. Some people are excited about the IPO market in 2020 and think positively about the future of more IPOs, while other people are not feeling so good about this event. The important thing to do before forming an opinion, however, is to make sure we understand the basics of what it means for a company to go through the IPO process. That's where we'll start! If you're short on time, try our simplified...

FinCap Friday: Healthcare Haste

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Dec 10, 2020
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FinCap Friday
With just one week left to enroll in healthcare coverage for the 2021 calendar year, new data is showing that Americans might just be taking health insurance more seriously in the midst of the covid 19 pandemic. While this trend is a good one, it is important to recognize that choosing the best health insurance plan for one's needs is still a complicated and frustrating process for many Americans. Why might that be? Explore this question and several more in this week's FinCap Friday episode...

FinCap Friday: All the Business Ladies

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Dec 03, 2020
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FinCap Friday
This week as we return from Thanksgiving break, there is breaking news about the efforts in corporate America to reach a more fair representation of women in the business, finance and economics workforce. Not only that, but breaking news went viral regarding the diversity and representation reflected in President-elect Joe Biden's nominations for administrative positions and White House senior staff. What is all the buzz about? Find out in this week's FinCap Friday:  If you're short on...

FinCap Friday: Turkey Talk

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Nov 19, 2020
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FinCap Friday
FinCap Friday has a brand new look - just in time for the holidays! Check out the EdPuzzle version of this episode, here. In 2020, Thanksgiving will look quite different for many Americans as a result of covid 19. Many people are choosing not to travel, or even dine with people that do not live in the same household. This episode of FinCap Friday dives into a few more differences between Thanksgiving in 2020 compared to 2019. What are some other differences? Find out in this week's episode...