M. Cardoza Insurance Inc.

🚀 Calling All High School and College Students! 🚀
Are you passionate about personal finance and eager to make a difference? The Retirement Education Resource Center of North America, Inc. (RERCNA) is looking for a group of students to join us in shaping the future of financial education!
We invite you to test and provide feedback on our ThinkSmartz Financial Coaching app. This is your chance to share your insights, help us improve, and ensure the app is as beneficial and user-friendly as possible.
📱 What’s in it for you?
• Be the First to experience and critique the latest features of the ThinkSmartz app.
• Make an Impact by contributing to an app that aims to enhance financial literacy.
• Gain Experience in app development and user experience design.
Interested? Comment below or DM us to get started! Let's work together to make financial education accessible and engaging for everyone. 🎓💡
School Students

Well Informed Estate Planning Well InformedHost Mark CardozaGuest Vincent Serratore, Timothy Gagnon, and Lawernce Zaharoff2/20/24

Easton Community Access Television mascots (soon to be named) are ready to go. Join us today (April 6th) for the Easton Shovel Town Cultural District Art and Media Show from 4-7 at 50 Oliver Street. Among the artists, ECAT will release 50 mascots ($15 donation) to their new forever homes.
Admission is free.

College Planning Live Episode - Questions
Easton Community Access Television (ECAT) Feb. 20 @ 10am
Guest- T.Jack Wang https://innovativewealth.com/wealth-management/smart-college-buyer/

Questions:
When should a family start planning for college, or thinking about college costs and how to pay?
When selecting a school, what is the best financial approach?

FINANCIAL AID
What are the different types of aid?
What are the different financial aid formulas that colleges use?
Do you get more aid by applying for admissions or aid early?
Are colleges with big endowments more generous with aid?

FINANCIAL AID FORMULAS
How many financial aid formulas are there and what are they?
What counts or doesn't count in the aid formulas?
What time period do the formulas look at?
How does a 529 plan fit the financial aid formula?

SCHOLARSHIPS vs GRANTS
What are the differences between scholarships and grants?
How can my student get more scholarships?
How do schools determine who gets a merit scholarship?
What are other sources to apply for scholarships?

STUDENT LOANS
Can my student borrow to pay for school?
Do parents always need to co-sign for loans?
How do loans work?
What do terms such as "meet full need" and "no loan" mean?
Do you get more aid by applying for admissions or aid early?
Can I use one school's offer to negotiate for more aid at another school?
What happens to loans if tragedy strikes my child, while in college or after college, CO-SIGNING OR NOT?
Should we get a Federal or a private loan?

THE CAUSE AND EFFECT OF STUDENT LOANS
How can a student loan effect the student personally and professionally after graduation, and why should this be considered?
What are some of the ways to offset the cause and effect?

College Planning
Well-Informed by ThinkSmartz, a financial awareness organization, is hosting and broadcasting a live program on college planning through Easton Community Access Television (ECAT) on February 20 at 10 a.m.

The host for the event is Easton resident Mark Cardoza. His guest is T. Jack Wang, a wealth advisor and the host of the Smart College Buyer podcast. Jack is a well-respected professional in the industry and speaks to large audiences on the subject of college planning.
To learn more about Jack, go to https://innovativewealth.com/wealth-management/smart-college-buyer/.

If you would like to submit a question for Jack, please send it to [email protected] prior to the event. If you would like to attend the program, please reach out to Mark directly at 781-763-7372. Seating is extremely limited.