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: Bye Bye Banks?

|
Jan 17, 2019
|
FinCap Fridays, Checking Accounts, Current Events
In this FinCap Friday we chronicle the epic battle being waged between the well-established banks and the upstart FinTech competitors. Once a blip on the radar for the big banks, several of these emerging companies have earned unicorn status and are valued privately at more than $1billion. Why? Blame mobile phones, the comfort level that younger generations have with conducting business (including banking) online and the FinTech focus on creating a great UX (user experience) on their apps. Find...

FinCap Friday: From the Red Carpet to The Red Ink of the I.R.S.

|
Jan 10, 2019
|
FinCap Fridays, Taxes
As the calendar turned from December to January, many Americans woke up to the uneasy thought that they would need to learn about the new tax legislation to file their 2018 tax return. While our tax system relies on voluntary compliance, there are very real consequences for not dotting every "i" and crossing every "t" (and the dog eating your return is not a valid excuse either). This FinCap Friday shares the stories of celebs who landed on the wrong side of the I.R.S. and provides tips on how...

FinCap Friday: Get S.M.A.R.T

|
Jan 03, 2019
|
FinCap Fridays, Behavioral Finance
It's a brand new year and we've all got plenty of goals we want to work towards! It's a time of hope and new beginning, but what happens when you aren't so sure that you're on track to achieve your goals? Check out the first FinCap Friday of 2019 to find out the secret to making sure your goals and resolutions are accomplished!   Did you know that we recently added a "no-tech" version of FinCap Friday where we embedded the 5 questions right into the slide deck so no need to have your...

FinCap Friday: Do We Have Your Interest Yet?

|
Dec 20, 2018
|
FinCap Fridays, Savings, Credit Cards, Student Loans, Stocks
The Federal Reserve hiked interest rates earlier this week which provided an awesome opportunity for a FinCap Friday focused on that event. How do the decisions of this august body percolate through the economy? Check out this FinCap Friday including Yanely's awesome explainer video to learn more:  --------------------------- Looking for more FinCap Fridays? There's more where this came from! Check out the other seventeen here. ...

FinCap Friday: 'Tis the Season of Scammers

|
Dec 13, 2018
|
Current Events, FinCap Fridays, Financial Scams
Know someone who was a victim of a holiday shopping scam? Millions of packages are expected to be delivered this holiday season by the UPS and scammers are ready to take action! This FinCap Friday will help your students spot some of the common holiday shopping scams and learn a few tips for how to avoid them!  Click the image below to access the full resource: ------------------ New to FinCap Fridays? They are a 5-7 minute resource to bring current events to your classroom in a way...

FinCap Friday: Speeding Into the Future

|
Dec 06, 2018
|
FinCap Fridays, Budgeting, Current Events, Research
Have you seen those driverless cars in your neighborhood? If they are not there yet..they will be soon! This FinCap Friday is sure to engage your students as they learn about the technology behind autonomous vehicles and the ethical issues that will arise from their use. Explore with your students whether this is a technology they will adopt quickly or will they take a "wait and see" approach. Will their generation have a different perspective on whether you need to "own a car." We'd love to...

FinCap Friday: Tappity-Tap!

|
Nov 29, 2018
|
FinCap Fridays, Current Events, Credit Cards, Payment Types, Debit Cards
More and more people opt into using mobile payments because of the speed and ease of transacting, but now Chase and VISA are jumping on the opportunity to offer a faster and easier way to make payments! In this week's segment, we take a closer look at contactless payments, also known as "tap to pay." Click the image below for the slides.   ---------  Be sure to check out more FinCap Fridays here. ...

FinCap Friday: Gratitude is the Right Attitude

|
Nov 15, 2018
|
Generosity, FinCap Fridays, Current Events
With Thanksgiving right around the corner, we thought it apropos to focus on giving thanks in this FinCap Friday: Gratitude Is The Right Attitude:  --------- Be sure to check out more FinCap Fridays here. ...

FinCap Friday: Who's Calling?

|
Nov 08, 2018
|
FinCap Fridays, Financial Scams, Identity Theft, Research
Have you noticed an increase in spam calls to your phone? We have too, which is why we decided to focus on it this week in our FinCap Friday segment. Not only are they annoying but they cost consumers billons every year. Yanely provides some sage advice on what to do when that spurious call comes in: ---------------------- Did you know that more than $100,000 in cash prizes are available through NGPF's PAYBACK Challenge? Read the details here but please hurry as the deadline is just days away!...

FinCap Friday: How To Get Extra Credit

|
Nov 01, 2018
|
Credit Scores, FinCap Fridays, Credit Reports
This week your students will learn about a significant change to the credit scoring system. How will UltraFICO open the door to more borrowers? Play this week's FinCap Friday and find out: ---------------------------- Looking for more FinCap Fridays to engage your students in the current events of the day? Here are the ten others!   ...

FinCap Friday: Who Wants To Be A Billionaire?

|
Oct 25, 2018
|
FinCap Fridays, Investing, Current Events, Index Funds
The lottery has captured the imagination of our country this week. Lots of daydreaming going on...what would I do with....? We know that only one person walked away with the $1.5+ billion prize in South Carolina (identity still unknown). What your students may not realize is that a lottery ticket is not the only way to become a millionaire. Yanely shares her tips on what it will take to be a millionaire by the age of 60 without having to invest in the next Apple or Tesla. Enjoy!...

PAYBACK Committee Created at City As School (New York City)

|
Oct 25, 2018
|
Paying for College, Schools In News, Teaching Strategies
During my visit to City As School in NYC last week, I discovered that an incredible group of teachers had come together to form the school’s very own “Payback Committee!” It was such a great idea - I knew I had to share it! With just 3 weeks left until the Payback Challenge submission deadline on November 14, 2018, 8 high school teachers at City As School sought to encourage more students to participate in our scholarship contest by sweetening the deal! They used school...

FinCap Friday: From Catalogs to Clicks

|
Oct 18, 2018
|
FinCap Fridays, Current Events, Behavioral Finance, Budgeting
This week's FinCap Friday tackles the changing retail environment. The big news of the week involves what was once one of America's largest retailers...yes before Wal-Mart and before Amazon this was the company where everyone shopped. Yanely leaves your students with some shopping tips in this new digital world. Without further adieu...From Catalogs to Clicks: -------------- This is the 10th in our FinCap Friday series, check out the others in our FinCap Friday library. ...

FinCap Friday: Playing With F.I.R.E.

|
Oct 11, 2018
|
FinCap Fridays, Retirement, Investing, Index Funds
How can you possibly engage high schoolers in a conversation about retirement? They haven't even gotten their first real job yet so it's not exactly on their radar screen. By highlighting the F.I.R.E. movement (that's Financial Independence, Retire Early) and the extreme examples of retirees in their 30s, we hope that gets your students thinking "How'd they do that?" That should spur a great conversation about savings rates and the importance of investing while you are young. ...

FinCap Friday: Human vs. Machine

|
Oct 04, 2018
|
FinCap Fridays, Career, Employment
Who hasn't seen a recent headline about artificial intelligence, robots and machine learning and how they are going to devour jobs. In this FinCap Friday, Yanely provides valuable tips to your students so they can position themselves well for the workplace of the future.  --------------- Looking for more FinCap Fridays? Check out our growing library of them here!  ...