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: Gotta Learn Before You Earn

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Jan 16, 2020
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FinCap Friday
In this FinCap Friday we take a look at the state of personal finance education in American high schools. Recent data suggests that there are positive trends associated with personal finance education, but the reality is that it is in a small number of schools across the country and we need to do better! How is our country doing when it comes to providing education about money in school? How many states require this kind of class in high school? Find out in this week's FinCap Friday: If you're...

FinCap Friday: New Year, New Money Goals

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Jan 09, 2020
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FinCap Friday
Fidelity recently published a study about the types of new year's resolutions that Americans are creating for the new decade. With data from thousands of people they reported out about the common goals people set related to personal growth and money. Are there any financial resolutions that are most popular? What type of resolutions do Americans tend to set? 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...

FinCap Friday: Split Your Payment in a Split Second

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Dec 19, 2019
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Credit Cards, Current Events, FinCap Friday
This week's FinCap Friday takes a look at the latest trend in borrowing for purchases that aren't big ticket items. Borrowing money to buy electronics, clothes and makeup is growing more and more common. Fintech companies are paying attention to the data that shows younger shoppers are trying to avoid debt, but still struggle to come up with enough money to make a full purchase up front. Enter: Installment Payment Plans. This is a new spin on layaway shopping and interestingly enough it allows...

FinCap Friday: Google Makes Bank

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Dec 12, 2019
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FinCap Friday
This week's FinCap Friday is a closer look at mobile banking trends. A new announcement from Google about their new financial services coming in 2020 has led to a media frenzy of people responding angrily. Why are they mad that Google is exploring being a player in the financial industry game? What is Google planning to launch in 2020? Find out in this week's episode of FinCap Friday below:  If you're short on time, try our simplified FinCap Friday (No Tech) with the questions...

FinCap Friday: Five Star Phonies

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Dec 05, 2019
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FinCap Friday
In this FinCap Friday we look at the latest update regarding online retailers and their struggle against fake reviews. A brand new report shows that as of winter 2019, a large chunk of all reviews on shopping sites like Amazon, are fake! People generally trust these reviews and ratings to help them decide whether or not to buy products, so this has become quite a big issue. What are some actions companies are taking to prevent this? How can online shoppers prevent being tricked? Find out in this...

FinCap Friday: Reason for the Season

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Nov 21, 2019
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FinCap Friday
In this FinCap Friday we check out some recent news about charitable giving trends. Some research shows that the trend is changing and that it may have something to do with the new tax laws! What do that tax laws have to do with people giving or not giving to charity? And why would tax law changes result in people changing their charitable giving behaviors? Find out the latest news in this week's episode below: If you're short on time, try our simplified FinCap Friday (No Tech) with the...

FinCap Friday: Likes Me, Likes Me Not

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Nov 14, 2019
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FinCap Friday
In this FinCap Friday we check out the latest news about instagram. A new change that is sweeping instagram accounts across the globe could have a real impact on the brands and influencers on the social media app. What is the change? And will it really be something that can change the financial lives of social media influencers? Find out all about it in detail in this week's FinCap Friday: If you're short on time, try our simplified FinCap Friday (No Tech) with the questions embedded...

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...