Youth Economic Programsm News ~ Spring 2007

Young Investor Timessm

InsideThis Investor Times…Stock Review ......... page 2

Money Talk ............ page 2

Global Economics ............. page 3

Stock Picks ............ page 3

Young InvestorProfile .................... page 3

YEP Spotlight ........ page 4

Street Talk ............. page 4

Sign Up — GospelSkating Party ......... page 5

Sign Up — WSMThe Wealth Cruise ... page 6

The Bulls and the BearsBy: Robert L. Walker

Success in life is about mastering the rules of life. Eleven year old Izzy wants to know about saving and investing so she joined a Young Investor Learning Team to master the rules of

investing. She wants to know how a young person can successfully invest when the stock market sometimes goes up - called a “Bull Market” and when it sometimes goes down - called a “Bear Market.” Here’s a look at the rules of investing for a young person:

Rule #1ALWAYS Invest

The stock market acts much like the Millennium Force roller coaster at Cedar Point, it goes up and down. Izzy learned that at any given time there may be a Bull Market or a Bear Market (it may go up or down), but over a long period of time, the stock market is always moving higher. Because you cannot predict how the stock market will move, you must ALWAYS INVEST. To be a successful investor, Izzy must plan to invest for the long term – at least 10-30 years.

Rule #2 Take Advantage of ”TIME“

Many opportunities are lost because people wait until they are in their 30s or 40s to invest. People should in fact begin investing as young as possible to take advantage of TIME. A person can actually begin investing as young as 30 days old. All they need is a social security number. Of course, young people need a parent or guardian to set up the investment accounts on their behalf. But, remember, once the accounts are set up, they belong to the young person, not the parent or guardian.

Illustration: A 10 year old girl that makes a one time $5,000 investment would accumulate $2,212,900 by age 50 if the investment grew at 10% per year. A 40 year old woman who made the same one time investment of $5,000 at 10% interest would accumulate $79,685 by age 50. The difference between the 10 year old girl and the 40 year old woman is – TIME. The young girl had more time for her investments to build.

Rule #3Start NoW

Izzy now tells all her friends that people fail financially because of – PROCRASTINATION. Her advice to them…START INVESTING NOW!

The Stock Market

Trending Upward

Stock ReviewFeatured Company: Starbucks Corporation

By: Robert L. Walker Money TalkQuestion & Answer $$$$$$Q. Who are the world’s wealthiest countries?

A. 2005 Gross Domestic Rank Nation Product (GDP) Flag

If you have a question, call, e-mail or mail it to Wise Steward Ministries. We will do our best to answer all the questions we receive in one of the upcoming quarterly publications of Young Investor Times.

1 United States $12.5 Trillion

2 Japan $4.5 Trillion

3 Germany $2.8 Trillion

4 China $2.2 Trillion

5 Britain $2.2 Trillion

6 France $2.1 Trillion

7 Italy $1.7 Trillion

8 Spain $1.1 Trillion

9 Canada $1.1 Trillion

10 Brazil $794 Billion

11 South Korea $788 Billion

12 India $785 Billion

13 Mexico $768 Billion

14 Russia $764 Billion

15 Australia $701 Billion

Black Americans $700 Billion

Source: World Bank & Target Market News

StarbuckS FINANCIAL HIGHLIGHTS

Starbucks Corporation (Starbucks) purchases and roasts whole bean coffees and sells them, along with fresh, rich-

brewed coffees, Italian-style espresso beverages, cold blended beverages, various complementary food items, coffee-related accessories and equipment, a selection of premium teas and a line of compact discs, primarily through Company-operated retail stores.

Starbucks is named after the chief mate on the ship “Pequod,” from the novel “Moby Dick” by Herman Melville. Starbuck was a good man with a wise heart.

The Company’s common stock is traded on the Nasdaq Stock Market, Inc. (Nasdaq), under the symbol “SBUX.”

Net Earnings (in millions)& Return on Equity (percentage)

$210

$265

$389

$494

$564

2002 2003 2004 2005 2006

13%

14%

17%

20%

25%

Net Revenue (in billions)

2002 2003 2004 2005 2006

$3.3

$4.1

$5.3

$6.4

$7.8

Global Economics:Coal — By: Robert L. Walker

Stocks for Youth

Activision ATVI NASDAQ $17.64

SToCk NAME SToCk SYMBoL ExCHANGE AS oF 2/22/07

NoTE: In october 2003, when we first featured Hasbro their stock price was $19.08; Mattel’s stock price was $18.99; McDonald’s stock price was $24.06; and Walt Disney’s stock price was $20.72.

Wise Steward Ministries is not making recommendations about the companies listed. They are examples of companies that provide products for youth.

Build-A-Bear WorkShop Inc. BBW NYSE $27.84

Hasbro HAS NYSE $29.65

Mattel, Inc. MAT NYSE $26.82

McDonalds MCD NYSE $46.05

Disney DIS NYSE $35.16

Marvel Entertainment MVL NYSE $30.49

SToCk PRICE

Cedar Fair, L.P. FUN NYSE $29.24

Great Wolf Resorts WoLF NASDAQ $14.13

kellogg Co. k NYSE $49.77

Name: Ajia & Rasheda White (left to right)

Investor Age: 17 & 15

Investor School: Renaissance & Cass Technical High School

Investor Grade: 12th & 9th

Career Aspiration: Pharmacist & Architect

Stock(s) owned: Verizon Wireless & Johnson & Johnson

Young Investor Profile

As seventeen year old Renee reads the Wall Street Journal she notices there are many

articles on the subject of energy. Energy is defined as the force behind all motion and all activity. Because we need energy for everything, she has decided to research where the United States and the rest of the World get its energy from.

Most of the energy we use for our homes, schools and businesses comes from three primary energy sources – Coal, Oil and Natural Gas.

Coal, like oil and natural gas is a fossil fuel used to generate electricity. Among many other things, this electricity lights our homes, runs our televisions and video games and keeps our food cold in the refrigerator.

In fact, the United States has the world’s largest known coal supply, about 270 billion tons; this is enough coal to last approximately 240 years. It is said that America has more coal than Saudi Arabia has oil. Based on 2005 data supplied by the Energy Information Administration, 49.7% of the energy we use in this country comes from coal, 19.3% from nuclear energy, 18.7% from natural gas, 6.6% from hydroelectric energy, 3.0% from oil and 2.7% from other sources.

How does coal generate electricity?Once coal is mined, it’s shipped primarily by train to an electric power plant. At the power plant the coal is burned to produce heat. The heat is used to change water into steam. The steam then turns enormous generators, producing electricity. This electricity is carried long distances along transmission lines to transformers. From the transformer the electricity is carried along distribution lines to your home.

Coal

NaturalGas

Oil

Here’s a short list of some coal producing publicly traded companies:

American Electric Power Company, Inc. (NYSE: AEP)

NACCo Industries, Inc. (NYSE: NC)

Sunoco, Inc. (NYSE: SUN)

Rio Tinto Group (NYSE: RTP, ADR)

Peabody Energy Corporation (NYSE: BTU)

Arch Coal, Inc. (NYSE: ASI)

Electric Power Transmission Transformers Distribution HOME! Plant Lines Line

Published by Wise Steward Ministriessm

14090 Strathmoor, Detroit, Michigan 48227Phone: 313.838.5856

Email: WSM@wisesteward.orgWebsite: Wisesteward.org

Robert L. Walker, Founder & Executive Director

The Youth Economic Programsm is a financial literacy program for youth ages 9 to 18, taught mainly in Detroit Schools and community organizations as an after school activity.

Present funding provided by: Neighborhood opportunity Fund/CDBG, Foundation for Financial Literacy, The Comerica Charitable Foundation,

Chase Bank, and Wayne County Department of Children & Family Services (PASS).

If you use the information contained in this newsletter for investment purposes, and without the advice of a financial professional, results may vary and certain risks apply. Wise Steward Ministriessm assumes no responsibility. All articles and design of this newsletter are the property of Wise Steward Ministriessm and are not to be copied without permission.

Wise Steward Ministriessm

Purpose Statement:Wise Steward Ministries exists to provide people in urban communities with information and

inspiration to help enhance and enrich their financial position in life.

Wise Steward Ministriessm

Mission Statement:We provide high-

quality financial literacy programs, events and activities to youth and

their parents/guardians.

Coming in the next issue of Young Investor Times:

• Intergenerational Wealth

• Global Economics — Ghana, Africa

“A race which cannot save its earnings will never rise in the scale of civilization.”Dr. Martin Luther King, Jr.

Youth Economic Programsm Spotlight

Street TalkLearn Wall Street Jargon

White KnightA white knight may be a corporation, a private company, or a person that intends to help another firm.

Parents Corner

Money Talk is a Wise Steward Ministries financial literacy program for “adults only.” The goal of

this program is to create a fun and relaxing, educational environment where adults can come to improve their financial literacy. The ultimate outcome is that participants will be able to make sound financial decisions concerning their families. The primary focus will be on saving and investing with basic money management skills.

Money Talk meets the 3rd Friday of each month from 6:00 pm to 9:00 pm at the Wayne County Community College District — Northwest Campus. Please call Robert Walker, Executive Director at (313) 838-5856 to enroll in this program.

“MONEY TALK” A financial literacy program for “adults only” In 2006, Wise Steward Ministries was one of two Detroit based

organizations to receive funding through a federal initiative, the Compassion Capital Fund (CCF) Targeted Capacity Building Program, awarded by the U. S. Department of Health and Human Services. The $50,000 grant will allow Wise Steward Ministries to implement a Training of Trainers Program to certify 5 new Youth Economic Program instructors. It will also be used to package WSM’s Youth Economic Program curriculum into a fun and interactive workbook for youth.

Over the last seven years, WSM has worked tirelessly to provide quality financial literacy programs to the grassroots community. It has seen first hand the effectiveness of educating youth alongside their parents/guardians. Successful implementation of programs and events such as the on-going Young Investor Learning Teams and the annual Youth, Money & Wall Street conference have led to an increase in demand for programs across the region. The CCF award allows WSM to expand its capacity to meet this ever growing demand.

For more information about the Training of Trainers program, contact Robert Walker at 313-838-5856.

Wise Steward MinistriesPresents

“Gospel Skating Party”

Saturday, June 2, 2007Skate World

2825 E. MapleTroy, MI 48083

Time: 5:15 pm - 7:15 pmCost: $8.00 per person in advance $12.00 per person at the door

The proceeds from this skating party will be used to sponsor a Wise Steward Ministries New York City Wall Street Trip for 65 young investors ages 9 to 18 on July 5 – 7, 2007.

To purchase your tickets, call Wise Steward Ministries at (313) 838-5856. (First come, first served.)

A Wall Street Trip Fundraiser

Tons of fun everyday!

Wise Steward Ministries Presents…

Here’s our Wealth Cruise to the Bahamas Itinerary

Day Port Arrive Depart

Fri. Miami --- 4:00pm

Sat. Nassau 8:00am ---

Sun. Nassau --- 5:30am

Sun. Fun Day at Sea!

Mon. Miami 8:00am ---

Interior Cabins (No Window) (Max. 4 people per cabin)The 1st and 2nd person (Total = $412.94 per person)(3rd and 4th person in cabin, total cost = $336.94 per person)

Oceanview Cabins (Porthole or Window) (Max. 4 people per cabin)The 1st and 2nd person (Total = $442.94 per person)(3rd and 4th person in cabin, total cost = $356.94 per person)

Cost includes: Cruise only & Taxes

Additional Costs:Travel Protection (17 years and older $39.00 per person, 16 years and under $19.00 per person)Gratuities

Total Amount Due at Time of Booking (Non-Refundable)Make checks or money orders payable to “Just-N-Time Travel Inc.”

For reservations, and additional information:Robert L. Walker, Wise Steward MinistriesPhone: (313) 838-5856Email: robert@wisesteward.org

This cruise is made available by Marcy Rucker, Just-N-Time Travel Inc.

Disclaimer – Rates are per person, double occupancy, cruise only and capacity controlled. Government fees/taxes are included. Restrictions apply. Ship’s Registry: The Bahamas.

Make new friends!

You’re invited to join Wise Steward Ministries aboard Carnival’s “Fun Ship®” Fascination as we travel to Nassau, Bahamas on July 27—30, 2007. This 3 day cruise will be filled with superb dining, spectacular entertainment, fellowship and financial literacy workshops. The Wealth Cruise is available to the participants (parents/guardians & youth) of Young Investor Learning Teams & friends of Wise Steward Ministries.