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: 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...

FinCap Friday: Deals for Days

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Nov 12, 2020
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FinCap Friday
This week on FinCap Friday, we take a look at an upcoming day on the November 2020 calendar... the day after Thanksgiving - Black Friday! Traditionally, a critical day in sales for retailers and many other business as well, Black Friday is the biggest shopping day of them all. But, what will happen in 2020 when Black Friday comes? Are stores going to take cautionary measures to prepare for the safest shopping experiences possible in the midst of a pandemic? Find out about this and more in the...

FinCap Friday: Fed Up!

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Nov 05, 2020
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FinCap Friday, Economics
In the first week of November 2020, the Federal Reserve announced that - after two days of meetings - they decided not to make any changes to the current federal funds rate. Many people saw this coming because interest rates were already at zero due to the impact of coronavirus. But, while the media covers the Fed changing rates year over year, most people have no clue what this means or what the Federal Reserve actually does. Find out about this recent announcement and what it means in this...

FinCap Friday: Caught in the Web

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Oct 29, 2020
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FinCap Friday
For many years, companies have created websites that use "dark patterns." Now, it's becoming more and more common and the next generation barely notices these dark patterns and many are not bothered by them. But what exactly are dark patterns and why are they super scary? Find out all about them and how you can avoid them when you're online by tuning into the FinCap Friday episode below: If you're short on time, try our simplified FinCap Friday (No Tech) with the questions embedded right into...

FinCap Friday: Say "OK" to the 401k

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Oct 22, 2020
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FinCap Friday
This week's FinCap Friday explores the idea that more people than ever before have become millionaires by taking advantage of their 401k accounts. Most people don't think of a 401k account as a priority for building wealth, but that may begin to change given some of the data from Fidelity, the largest 401k plan provider in the United States. Many people may still wonder what exactly is a 401k plan, and how does it work? More importantly, how can young professionals use 401k plans wisely to...

FinCap Friday: Cars During Covid

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Oct 15, 2020
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FinCap Friday
This week's FinCap Friday dives into the demand for a specific type of car during the time of coronavirus. Many are shocked by these recent statistics and experts have already shared several reasons why this interesting trend has taken shape. What types of cars are in high demand during the pandemic? Why is this the case? Find out all about this and more in this week's episode linked below: If you're short on time, try our simplified FinCap Friday (No Tech) with the questions embedded right...

FinCap Friday: Pandemic Entrepreneurs

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Oct 08, 2020
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FinCap Friday
This week's episode of FinCap Friday examines a new trend that involves new business creation in the United States. The new government data is based on applications for employer identification numbers, which are necessary to start a business, and it shows that while many would say the pandemic shut down our economy - it may be helpful to think of it as more of a reshaping. What happened to the number of new business applications in mid 2020? What reasons may there be for this interesting and...

FinCap Friday: FAFSA in the Fall

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Oct 01, 2020
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FinCap Friday
Did you know that you can invite Yanely, the host of FinCap Friday, to your virtual classroom this fall? If you're interested in doing so, complete this form today! – – – With a new month upon us also comes a new responsibility! Well if you plan on attending college next year, that is. FAFSA is officially open and it requires students to complete it with tax information from their parent or guardian in order to unlock access to financial aid that will help pay for...

FinCap Friday: Protection or Deception?

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Sep 24, 2020
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FinCap Friday
This week's episode dives into the topic of overdraft fees and how banks have been using shady practices in order to collect overdraft fees one way or another. About 30% of Americans with checking accounts pay overdraft fees and over the past few years the average fee for overdrawing your account has been steadily increasing. A recent incident with a major bank being responsible for paying a hefty penalty to the CFPB for breaking the rules with overdraft fees has brought this topic into the...

FinCap Friday: The $1 Billion Merger

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Sep 17, 2020
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FinCap Friday
This week on FinCap Friday, we are taking a look at recent news about a new bank merger. Two existing banks will unite to create the largest Black-owned bank in America. This is a buzzing topic in the media because the number of Black-owned financial institutions has decreased since the early 2000's. How many Black-owned banks remain today? How much money will the new bank have after this merger? Find out in this week's episode below:  If you're short on time, try our simplified FinCap...

FinCap Friday: Friending, Then Spending

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Sep 10, 2020
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FinCap Friday
In this FinCap Friday episode we dive into some recent data about social media usage, particularly among teens. There are several negative correlations linked with higher usage of social media, but what are they specifically? Is there anything that people can do to take action and prevent the negative outcomes or decrease the likelihood of the negative outcomes in their own lives? Find out more about this and more in this week's FinCap Friday: If you're short on time, try our simplified FinCap...

FinCap Friday: The $10 Million Deposit

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Sep 03, 2020
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FinCap Friday
This week on FinCap Friday, we look at the recent news about deposit made in the amount of $10 million at a Black-led credit union in Mississippi. The deposit was made by a major corporation in response to the demand for racial and economic justice surrounding the Black Lives Matter movement. Which corporation made this major money move? How will this affect the community-owned financial organization selected? Find out in this week's FinCap Friday: If you're short on time, try our...

FinCap Friday: Wanna Split an Apple?

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Aug 27, 2020
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FinCap Friday
Back by popular demand: FinCap Friday is in full effect for a brand new season! For the EdPuzzle version of this resource, click here! This FinCap Friday episode dives into the latest news from two of the largest companies in the US stock market, Apple and Tesla. Both companies made the exact same announcement in the summer of 2020 about a move they decided to make. These announcements have been headlining all printed and online news as well as television and radio! What is this announcement and...

NGPF Fellows: Personal Finance Student of the Year Award 2019-2020, Edition 17

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Aug 26, 2020
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NGPF Fellows
Each year, NGPF Fellows have the option to award a Personal Finance Student of the Year Award to a student who has demonstrated outstanding contributions in their personal finance class during the school year. We're showcasing new winners each Wednesday, Thursday and Friday here on the blog throughout the summer.   Students are selected based on the following criteria: Student has taken a personal finance class in the 2019-2020 school year that was taught by the...

NGPF Fellows: Personal Finance Student of the Year Award 2019-2020, Edition 16

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Aug 19, 2020
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NGPF Fellows
Each year, NGPF Fellows have the option to award a Personal Finance Student of the Year Award' to a student who has demonstrated outstanding contributions in their personal finance class during the school year. We're showcasing new winners each Wednesday, Thursday and Friday here on the blog throughout the summer.   Students are selected based on the following criteria: Student has taken a personal finance class in the 2019-2020 school year that was taught by the...