Student teams from North Dakota, Kentucky take national honors at LifeSmarts consumer literacy competition 

/in Consumer Education, Featured Home - Consumer Education, LifeSmarts, Press release/by

April 20, 2021

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—Students from Jamestown, ND, and Webster County, KY were crowned the 2020 and 2021 National LifeSmarts Champions at a virtual event held this weekend, concluding today with very competitive nail-biting final match-ups. Jamestown High School beat out Dallas High School from Dallas, PA, for the 2020 title; Webster County was victorious over the team from Central Academy of Technology and Arts in Monroe, NC. 

LifeSmarts is an education and scholarship program run by the Washington, DC-based National Consumers League (NCL), the nation’s oldest consumer advocacy organization. It competitively tests high school students’ knowledge of consumer awareness, with subjects including personal finance, health and safety, consumer rights and responsibility, technology, and the environment. LifeSmarts is available in all 50 states, the District of Columbia, and in partnership programs with student leadership programs FBLA, 4H, and FCCLA. 

“We are so proud of these students from North Dakota and Kentucky, who represented their state programs with class and pride to take the championship,” said LifeSmarts Program Director Lisa Hertzberg. “They played hard and demonstrated their consumer smarts throughout the three-day event. They are true LifeSmarts champions.” 

Consumer-savvy teens representing 30 states, the District of Columbia, and 11 wild card teams, competed at the event. Throughout the 2020-2021 program year, more than 100,000 teens competed online for a chance to represent their states at the 2021 National LifeSmarts Championship. Players answered more than 3.5 million consumer questions in the online competition. 

The 2020 and 2021 National LifeSmarts Champions and other winning teams walked away with prizes and $50,000 in scholarships. 

2020 Winners
National Champions: Jamestown High School, Jamestown, North Dakota, coached by Marchel Krieger
2nd Place: Dallas High School, Dallas, Pennsylvania
3rd Place: Iola High School, Iola, Kansas and Barrington High School, Barrington, Rhode Island 

2021 Winners
National Champions: Webster County 4-H, Webster County, Kentucky, coached by Wade Raymer
2nd Place: Central Academy of Technology and Arts, Monroe, North Carolina
3rd Place: TWCA Club in Poolesville, Maryland and East Greenwich High School, East Greenwich, Rhode Island  

Teens from each of the nearly 60 champion teams represented at nationals competed as individuals, and the top five scorers received scholarships from NCL. This year’s winners were: 

2020 Individual Winners
Environment: Clement Hilty from Rhode Island
Personal Finance: Kareem Morsy from Pennsylvania
Health and Safety: Owen Sheff from Rhode Island
Consumer Rights and Responsibilities: Garret Wright from North Dakota
Technology and Workforce Preparation: Jarron Larson from North Dakota

2021 Individual Winners
Environment: Om Desai from Maryland
Personal Finance: Kylie Fung from California
Health and Safety: Rhett Huebner from Texas
Consumer Rights and Responsibilities: Wyles Gilfoil from Louisiana
Technology and Workforce Preparation: Yifan Zhao from California 

Of the Year Awards
Andrew Gryskewicz from Dallas High School in Dallas, PA, and Lily Martin from Webster County 4-H in Kentucky were named the 2020 and 2021 Students of the Year. Scott Neu (Wisconsin) and Sharon Rash (Oklahoma) were named LifeSmarts Coaches of the Year. 

Long-time State Coordinator Crystal Kraft, from North Dakota, earned the Coordinator of the Year honor. Kraft’s program was the only one in the country to hold an in-person state competition this year. 

The Sarah Weinberg Memorial Scholarship, given to students who demonstrate extraordinary commitment to community service, was awarded to Sophie Merka from Georgia. 

For team photos, event schedules, grid standings, and more, log on to https://lifesmarts.us2.pathable.com/ 

NCL thanks the sponsors who make the program possible including Amazon, Johnson & Johnson, Melaleuca, Toyota, American Express, Intuit, and the Washington State Employees Credit Union. 

All winners at the national LifeSmarts Competition received valuable prizes donated by sponsors to the National Consumers League, including scholarships, gift cards, and fun swag items. To learn more about the program, contact NCL’s Lisa Hertzberg at (202) 835-3323. 

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About the National Consumers League and LifeSmarts

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: www.LifeSmarts.org, email LifeSmarts@nclnet.org, or call the National Consumers League’s communications department at (202) 835-3323.

National Consumers League to host first-ever virtual National LifeSmarts Championship April 17-19

/in Consumer Education, Featured Home - Consumer Education, LifeSmarts, Press release/by

April 16, 2021

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—In celebration of Financial Literacy Month, the National Consumers League (NCL) has announced the nearly 60 champion teams who will gather this weekend to compete in the first-ever virtual National LifeSmarts Championship.

LifeSmarts (LifeSmarts.org), a consumer education competition that challenges teens in grades 9-12 about personal finance, health and safety, the environment, technology, and consumer rights and responsibilities, is a program of the National Consumers League (NCL). In LifeSmarts, students compete online and in-person at the local and state levels. Top-scorers progress to their state competitions, and then State Champion teams meet each April to compete in the National LifeSmarts Championship. In 2019, at the most recent National LifeSmarts Championship, Rhode Island’s Barrington High School took home the title.

A year ago, NCL was forced to cancel the 2020 national event due to the coronavirus pandemic, but 2020 State Champion and Wild Card teams are being welcomed back to compete in the rescheduled event, which will take place simultaneously online along with the 2021 program. In all, 33 teams will compete at the 2021 national event and 24 teams will compete for the 2020 title.

The 2020 and 2021 National LifeSmarts Champion teams will be crowned on Monday, April 19.

Complete roster of state champions teams listed below.

Consumer-savvy teens representing 30 states, the District of Columbia, and 11 Wild Card teams, will compete at this year’s event. Throughout the 2020-2021 program year, more than 100,000 teens competed online for a chance to represent their states at the 2021 National LifeSmarts Championship. Players answered more than 3.5 million consumer questions in the online competition.

“We are so proud of our 2020 and 2021 LifeSmarts champions, who have proven themselves to be the best and the brightest of the next generation of consumers,” said Lisa Hertzberg, National LifeSmarts Program Director. “For 27 years, LifeSmarts has been engaging and educating young consumers in a fun format and with a competitive approach. Our program goes in-depth on the issues kids—and young adults—are facing now as consumers and workers.”

The 2020 and 2021 National LifeSmarts Champions and other winning teams will walk away with prizes and $50,000 in scholarships. In addition to placing as a team, individual students have the opportunity to compete for scholarships by demonstrating knowledge in specific program topic areas. The top eight placing teams and top 10 individuals are recognized, as well as the recipients of specialized scholarships.

NCL thanks the sponsors who make the program possible including Amazon, Johnson & Johnson, Melaleuca, Toyota, American Express, Intuit, and the Washington State Employees Credit Union.

Event kickoff + competition and weekend activities
When: Saturday, April 17 at 1pm Eastern through Monday, April 19
Where: visit LifeSmarts.org for a link to the conference platform and more information about the program

2020 and 2021 National LifeSmarts Champions will be determined in matches taking place on Monday, April 19

Follow the competition online

Parents and supporters can follow the action at Facebook.com/LifeSmarts and via Twitter: #LifeSmartsNationals

2021 National LifeSmarts Championship Teams
Arizona—Altitude 6.0 – Flagstaff Home Educators
Arkansas—Bryant Hornets 4 – Bryant High School
California—Grizzlies2 – Los Osos High School
Connecticut—Crosby Bulldogs- Crosby High School
Florida—Leto Red – Leto High School
Georgia—Columbia County 4-H Senior Team
Hawaii—Waipahu High School
Idaho—Minidoka County 4-H Teen Association
Illinois—West Chicago Community High School
Kansas—Gardner Edgerton High School
Kentucky—Webster County 4-H
Louisiana—West Feliciana High School
Maryland—TWCA Club
Michigan—Fenton Accounting – Fenton High School
Minnesota—LCWM Blue, Lake Crystal Wellcome Memorial
Missouri—BHS Falcons – Blair Oaks High School
New Jersey—Montgomery MFJC – Montgomery High School
North Carolina—CATA Cougars, Central Academy of Technology and Arts
North Dakota—Bottineau High School
Oklahoma—Tiger 2021 – Pryor High School
Pennsylvania—Cumberland Valley High School
Rhode Island—East Greenwich High School Avengers
Tennessee—Putnam County 4-H
Texas—Bartlett FCCLA – Bartlett High School
Virginia—Econoponax – Massaponax High School
Washington—Selah FCCLA – Selah High School
West Virginia—JMHS Marketing – John Marshall High School
Wisconsin—Belleville High School
4-H Wild Card 1—Gordon County 4-H, Georgia
FCCLA Wild Card—Muleshoe Mules – Muleshoe High School, Texas
4-H Wild Card 2—Madison County 4-H, Georgia
Varsity Wild Card 1—North East High School, Pennsylvania
FBLA Wild Card—West Carteret High School FBLA, North Carolina

2020 National LifeSmarts Championship Teams
Arizona—Altitude 5.0 – Flagstaff Home Educators
DC—McKinley Technology High School
Florida—Duval 4-H Diplomats
Georgia—Oconee County 4-H
Illinois—West Chicago Community High School
Kansas—Iola High School
Louisiana—West Feliciana High School
Minnesota—Lake Crystal Wellcome Memorial
Missouri—Husker Varsity 1 – Lafayette County C-1 High School
North Carolina—North Carolina Leadership Academy
North Dakota—Jamestown High School
Oklahoma—Pryor High School
Pennsylvania—Dallas High School
Rhode Island—Barrington High School Blue
Texas—Biz-e-Teen – Midcities Montessori
Virginia—Econoponax – Massaponax High School
West Virginia—The Voluntolds – John Marshall High School
Wisconsin—Tomahawk High School
4-H Wild Card—Rockdale County 4-H, Georgia
FCCLA Wild Card—Niangua High School FCCLA, Missouri
Wild Card 1—Waipahu High School, Hawaii
Wild Card 2—Gwinnett County 4-H , Georgia
Wild Card 3—Sunrise Christian Academy, Kansas
Wild Card 4—4-H Y’all – WIT Home Educators, Virginia

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About the National Consumers League and LifeSmarts

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: www.LifeSmarts.org, email LifeSmarts@nclnet.org, or call the National Consumers League’s communications department at (202) 835-3323.

Advice to get rid of that debt monkey on your back

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Michelle Singletary award-winning Washington Post columnist discusses how consumers can manage debt and…

Read more

NCL statement on the passing of Ruth Bader Ginsburg

/in Consumer Education, Consumer policy, Consumer Protection, Featured Home - Consumer Education, Featured Home - Consumer Protection/by

Sept. 21, 2020

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL) joins the nation in mourning the death of Supreme Court Justice Ruth Bader Ginsburg. Justice Ginsburg’s pioneering career as an attorney fighting gender discrimination in the 1960s and 70s, challenging norms about what women in the workplace “could or could not do,” and as a U.S. Supreme Court Justice serves as an example to Americans. In her 27 years on the Court, Justice Ginsburg championed the rights of women’s reproductive freedom, the right to form a union, and to be protected from marketplace abuses and promoted affirmative action, environmental regulations, and reasonable restrictions on guns.

Dubbed “the Notorious RBG,” the Justice became an icon for young women across America as a small-in-stature but a towering voice for rights and protections for women and People of Color. She worked out daily with a personal trainer, lifting weights and stretching; she fought off five bouts of cancer.

Though she was the mother of feminist jurisprudence, she was not a rigid ideologue. During a mock court case of the 1908 Muller vs. Oregon event at the Supreme Court, over which she presided, Ginsburg noted that the litigants in the 100-year-old case—including NCL’s Florence Kelley and Boston lawyer Louis Brandeis—who argued that laws saying women could not be forced to work more than 60 hours a week were not sexist. Having the law apply to only women was their “entering wedge” and the only opportunity to set maximum hours laws, Justice Ginsburg noted. Men went on to gain the same protections during the next decade.

Justice Ginsburg could be seen welcoming visitors to the Court and was especially gracious to those being sworn into the Supreme Court bar, an honor available to any lawyer in good standing who has a Supreme Court bar member to introduce them at special sessions held Court.

The National Consumers League is deeply saddened by the loss of such a powerful force on the Supreme Court of the United States. Her sense of justice and her influence on the Court won’t easily be replicated.

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About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

LifeSmarts consumer literacy program launches 2020-21 season with new online learning, scholarship, and community service opportunities for teens

/in Consumer Education, Consumer literacy, Education, Featured Home - Consumer Education, LifeSmarts, Teens/by

September 14, 2020

Millions of student leaders have gained real-world knowledge through the program’s quarter-century of education and competition

Media contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—Today marks the official launch of the 2020-2021 season of LifeSmarts, a national scholarship competition and educational program for middle-school and high-school students that tests knowledge of real-life consumer issues and is helping to create a future generation of consumer-savvy adults. A new season of LifeSmarts goes live online at LifeSmarts.org today. LifeSmarts is a program of the National Consumers League, the nation’s pioneering consumer advocacy watchdog.

“We are very excited to launch this season of LifeSmarts,” said Program Director Lisa Hertzberg. “For more than a quarter century, LifeSmarts has given students the skills they need to succeed as adults. We’ve seen more than 1.5 million students gain knowledge, confidence, leadership capabilities, and team-building skills. The competition is fun, and the impact of LifeSmarts is life-long.”

Education certainly looks different across the country this year, and LifeSmarts has tools to help. “No matter what modality schools are using, LifeSmarts has resources for educators and parents to use during this unique time,” said Hertzberg. “Developing smart and successful citizens, workers, and consumers is always our mission, and we’re here to help students and educators meet the challenges imposed by COVID-19.”

LifeSmarts focuses on five main content areas:

  • consumer rights and responsibilities
  • personal finance
  • technology
  • health and safety
  • and the environment

Each year, LifeSmarts competitors answer more than 3.5 million consumer questions about credit reports, recycling, nutrition, social media, state lemon laws, and everything in between. Students are quizzed on their knowledge of these subject areas during online competition. Top-performing teams then advance to statewide competitions, and state champion teams as well as several wildcard teams advance to the national championship held each year in a different American city.

The 2021 National LifeSmarts Championship is scheduled to take place in Cincinnati, Ohio, April 21-24, 2021.  LifeSmarts will host State Champion and Wild Card teams from both the 2019-2020 and 2020-2021 program years, celebrating winning students in a first-ever double competition. If COVID-19 makes that impossible, NCL will host a virtual event. Winning team members receive scholarships and other prizes.

In addition to online, state, and national competitions, LifeSmarts recognition and awards occur throughout the program year:

  • Teams of students vie for cash prizes in the online TeamSmarts quiz, which focuses on a specific LifeSmarts content area each month from September through February.
  • Classroom mentor program: Five $1,000 scholarships are awarded each winter to winning LifeSmarts students who become LifeSmarts OTC Medicine Safety Mentors to educate younger students and community members about medicine safety. LifeSmarts thanks Johnson & Johnson for underwriting this important community service project.
  • Partnering with FBLA (Future Business Leaders of America), 4-H, and FCCLA (Family, Career, and Community Leaders of America), LifeSmarts complements these organizations’ projects, judging events, competitive events, and activities. LifeSmarts offers special opportunities for members of these student leadership organizations.

LifeSmarts is active in all states and the District of Columbia, where NCL is headquartered.

“We are proud of the impact LifeSmarts has made in its 26 years of educating teens, and we are excited to continue to grow the LifeSmarts program, to educate students about financial literacy, and to create a new generation of savvy, market-ready consumers and workers,” said NCL Executive Director Sally Greenberg. “Too often traditional high school curriculum fails to teach students vital information that will be crucial once students go to college, get their first job, or move out of their parents’ house.”

In addition to hosting the official LifeSmarts competition, LifeSmarts.org provides resources for educators to supplement existing lesson plans. These include daily quizzes, educational videos, social media competitions, focused study guides, and scholarship opportunities. LifeSmarts lessons closely align with courses taught in family and consumer sciences, business, technology, health, and vocational education. Math and English teachers have also had success with LifeSmarts, as have homeschool and community educators.

Additional major LifeSmarts contributors include: AARP, American Express, Intuit, Melaleuca, Underwriters Laboratories, and WSECU, along with a number of state and local sponsors.

Visit LifeSmarts.org for more information.

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About LifeSmarts

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: LifeSmarts.org, email lifesmarts@nclnet.org, or call the National Consumers League’s communications department at 202-835-3323.

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

Consumer literacy program for teens launching new season year

/in Consumer Education, Consumer literacy, Education, Featured Home - Consumer Education, LifeSmarts/by

LifeSmarts, the nation’s premier consumer program, has never been more relevant. Launching its 27th year this fall, our consumer literacy educational program and scholarship opportunity for teens provides real-world education for students on core consumer topics and develops critical thinking skills. LifeSmarts curriculum covers five key topic areas: consumer rights and responsibilities, the environment, health and safety, personal finance, and technology. LifeSmarts is creating consumer savvy young people who will be well equipped for adult life in today’s complex, global marketplace.

Since the onset of the coronavirus pandemic this spring, the LifeSmarts program has pivoted to help newly at-home educators, students, and parent-educators make use of the many free educational resources the program provides.

NCL’s LifeSmarts staff created new resources to help students learn from home during this challenging time:

  • New Weekly Quizzes provide an opportunity for students to quiz independently, while allowing coaches to track student scores and progress.
  • LifeSmarts Adventure, the LifeSmarts app, has been relaunched. The app takes competitors on a virtual road trip as they quiz on all LifeSmarts topics.
  • Quality third-party LifeSmarts resources have been vetted and shared with our audience. These include practice sets developed by LifeSmarts, coaches, and coordinators using a variety of online study platforms.
  • Coaches receive weekly program updates featuring LifeSmarts resources to enhance online learning.
  • The LifeSmarts.org home page has been refreshed to focus on learning from home.

The LifeSmarts 2020-2021 season launches next month! This year, the program will offer new and exciting ways for educators and students to get involved in LifeSmarts. New projects this year will include features on over-the-counter medicine safety, Social Security and retirement planning, and a relaunch of the official LifeSmarts Adventure app, new quizzing activities, and more!

LifeSmarts has plenty to offer educators—teaching tools, resources, and curriculum. And for students, the skills they need to be successful adults, as well as extracurricular activities, community service opportunities, character development, and many
experiences whose memories will last a life-time.

Think LifeSmarts might be right for you or someone you know? Visit LifeSmarts.org to learn more.

Consumer guide to general purpose reloadable cards – National Consumers League

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General Purpose Reloadable prepaid cards (GPR) are the fastest growing payment method in the country. They are increasingly popular with consumers who can’t qualify for traditional credit or debit cards or for those who need a convenient way to help them stick to a budget, since the cards generally can’t be overdrawn. While GPR cards have similar uses and even look nearly identical to credit or debit cards, consumers should know that there are important differences in terms of fees and consumer protections.

 

This guide is designed to help consumers learn what makes GPR cards different from other types of plastic cards, about the fees associated with the cards, and understand their rights under the law.

What is a GPR card?
General purpose reloadable prepaid cards (GPR cards) are much like the debit cards that many consumers use. However, they are not linked to a traditional checking account. Consumers can use them to purchase retail items at stores or online, pay bills online, get cash from ATMs, and have paychecks directly deposited onto them. GPR cards can be purchased from retailers like drug stores, grocery stores or check-cashing outlets, bank branches, and online.

  • What is the difference between a GPR card and a bank account debit card?

    • A bank account debit card is linked to your bank’s checking account. GPR cards are not linked to a personal checking account.

    • Your bank account debit card may allow you to spend more than the amount that is in your account if you have opted in to an overdraft service. Prepaid debit cards do not let you spend more money than you have loaded on to a card.

  • What is the difference between a GPR card and a credit card?

    • When you use a GPR card, you are using your own money that you have already loaded on to the card. You can only spend as much money as you have pre-loaded.

    • When using a credit card, you are using borrowed money that you have to pay back at the end of each month (with interest, if you carry a balance). Credit card use is limited by the credit limit on the card.

  • What is the difference between a GPR card and a gift card?

    • GPR cards are reloadable, so when the money on the card is used up, you can add additional funds. Gift cards are often not reloadable.

    • GPR card users can withdraw cash from their cards at an ATM. Gift card holders cannot.

  • What is the difference between a GPR card and a payroll card?

    • A payroll card is an alternative to paper checks and to bank account direct deposits. Your employer can load your pay directly to a payroll card.

    • Payroll cards are provided by employers to their workers and are not typically marketed or purchasable by consumers. GPR cards are marketed to consumers and available for purchase by the general public.

For tips on how to protect the right GPR card for you, click here.