The guide, entitled Basics of Saving and Investing, contains learning objectives that focus on How to design a personal financial plan How financial markets work How to select among various saving and investment options How to obtain and use investment information How to recognize and protect yourself against investment fraud The teaching guide can be the framework of a course or a supplement to existing high school courses in social studies, economics and consumer economics, business education, personal finance and mathematics. Securities Division staff members have been trained to present the program and guide to Massachusetts educators. Credit is important because it shows merchants, employers, landlords, and banks how reliable you are when it comes to debt repayment. As part of the FL2001 program, Securities Division staff members are available to speak to Massachusetts classrooms about the use and abuse of credit cards. For further information about FL2001, click here .
All investments carry some degree of risk.
Market, economic and governmental changes can all affect your returns. However, losses from fraudulent investment schemes are not acceptable. The Securities Division is committed to protecting Massachusetts residents from being victimized by investment scams and abusive sales practices. The Division prepares and distributes written and video materials to help you distinguish between legitimate and fraudulent opportunities and to help you make wise investment choices that are suitable and appropriate for your personal financial goals. Division staff members are available for speaking engagements, free of charge, to address securities-related topics, including the regulation of the financial industry, investor education, and investment fraud.