Asset building is a powerful tool that allows people to pursue their dreams, push past generational poverty and create economic security for their families. Yet for many taking that first step toward building a financial foundation is simply out of the question. What if there was a way for everyone to help support those first steps? We believe there is! No matter what your client base is, or what kind of interface you have with clients, this session will explore opportunities for starting conversations that can impact our client’s long term financial success – the gateway conversations that will open the door to prosperity. We will explore tools and resources such as Your Money Your Goals, the CFED Integrating Financial Capability Toolkit and Bank On Oregon that help support clients in finding their path toward financial resilience.
Elena Fracchia, United Way of Lane County
Lynne McConnell, NeighborImpact
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
CSAs – Join the Campaign to Create a State Mechanism for Children’s Savings A...NeighborhoodPartnerships
Across the country, the asset building community is abuzz with excitement about Children’s Savings Accounts (CSAs). CSAs provide an opportunity for communities to invest early in the futures of their children by opening a savings account for each child. Evidence is mounting that CSAs are a powerful tool to increase early academic success, success in college and create lifetime savings habits. Oregon communities need a tool like this. Come join our effort to build a legislative campaign in 2017 to increase opportunity for Oregon’s children.
Jill Winsor, Neighborhood Partnerships
Elena Fracchia, United Way of Lane County
Nancy Yuill, Innovative Changes
Supersize that IDA: How enhancing your programs with credit building can achi...NeighborhoodPartnerships
Credit building accelerates asset building. Participants in this session will learn the value of credit building as an asset building strategy and an opportunity for strengthening your clients’ financial capabilities. Participants will learn about what credit building is and basic considerations for integrating credit building into your programs. We will explore credit building innovations including a pilot program here in Oregon that helps clients automatically build credit while fulfilling their IDA savings plan.
Sarah Chenven, Credit Builders Alliance
Nancy Yuill, Innovative Changes
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
The 2015 legislative session was an exciting time for the Oregon Individual Development Account (IDA) Initiative! We extended the sunset on this tax credit and increased the variety of goals toward which a participant can save. This session will present a basic introduction for those not yet familiar with this asset building tool. If you are new to IDAs, come learn how this amazing resource transforms participants into lifelong savers.
Jessica Junke, Neighborhood Partnerships
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
CSAs – Join the Campaign to Create a State Mechanism for Children’s Savings A...NeighborhoodPartnerships
Across the country, the asset building community is abuzz with excitement about Children’s Savings Accounts (CSAs). CSAs provide an opportunity for communities to invest early in the futures of their children by opening a savings account for each child. Evidence is mounting that CSAs are a powerful tool to increase early academic success, success in college and create lifetime savings habits. Oregon communities need a tool like this. Come join our effort to build a legislative campaign in 2017 to increase opportunity for Oregon’s children.
Jill Winsor, Neighborhood Partnerships
Elena Fracchia, United Way of Lane County
Nancy Yuill, Innovative Changes
Supersize that IDA: How enhancing your programs with credit building can achi...NeighborhoodPartnerships
Credit building accelerates asset building. Participants in this session will learn the value of credit building as an asset building strategy and an opportunity for strengthening your clients’ financial capabilities. Participants will learn about what credit building is and basic considerations for integrating credit building into your programs. We will explore credit building innovations including a pilot program here in Oregon that helps clients automatically build credit while fulfilling their IDA savings plan.
Sarah Chenven, Credit Builders Alliance
Nancy Yuill, Innovative Changes
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
The 2015 legislative session was an exciting time for the Oregon Individual Development Account (IDA) Initiative! We extended the sunset on this tax credit and increased the variety of goals toward which a participant can save. This session will present a basic introduction for those not yet familiar with this asset building tool. If you are new to IDAs, come learn how this amazing resource transforms participants into lifelong savers.
Jessica Junke, Neighborhood Partnerships
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
Presentation slides for week 3 of the San Diego Microfinance 101 course at Point Loma Nazarene University. Presentations by International Rescue Committee, CDC Small Business Finance, and ACCION San Diego
Slideshow of the first microfinance102 class held by the San Diego Microfinance Alliance at UCSD. Presentation by Chuck Waterfield at Microfinance Transparency
How To Manage Finances & Funding for Educational InstitutionsProcurify.com
Every organization and every person has a spend culture.
Spend culture is a set of shared beliefs and practices that informs a person how, why and when money should be spent.
Whether planned or random, all organizations have a spend culture.
Culture is fluid. It evolves with time and with each additional person. Understanding your spend culture and how it affects the people who work in your organization will influence how much value you get out of your spending.
Find out what your Spend Culture is: https://spendculture.procurify.com/
Product Marketing Content Curator: Why do you need one?NeuronLeaders
A proficient Content Curator can help increase sales, lower costs and improve results by auditing, evaluating, creating, managing, and optimizing your product marketing assets.
Presentation slides for week 3 of the San Diego Microfinance 101 course at Point Loma Nazarene University. Presentations by International Rescue Committee, CDC Small Business Finance, and ACCION San Diego
Slideshow of the first microfinance102 class held by the San Diego Microfinance Alliance at UCSD. Presentation by Chuck Waterfield at Microfinance Transparency
How To Manage Finances & Funding for Educational InstitutionsProcurify.com
Every organization and every person has a spend culture.
Spend culture is a set of shared beliefs and practices that informs a person how, why and when money should be spent.
Whether planned or random, all organizations have a spend culture.
Culture is fluid. It evolves with time and with each additional person. Understanding your spend culture and how it affects the people who work in your organization will influence how much value you get out of your spending.
Find out what your Spend Culture is: https://spendculture.procurify.com/
Product Marketing Content Curator: Why do you need one?NeuronLeaders
A proficient Content Curator can help increase sales, lower costs and improve results by auditing, evaluating, creating, managing, and optimizing your product marketing assets.
Financial Services Best Practice For A RecessionSEFS
SEFS (www.sefs.in) and TeamLease (www.teamlease.com) have joined hands to provide a robust way to manage a key part of any financial services company - productivity.
Online Financial Accounting Assignment Help for Students.pdfPaul Watson
Are you a student struggling to keep up with financial accounting assignments? Look no further than online financial accounting assignment help. With access to expert tutors and resources, students can receive personalized assistance in understanding complex concepts and completing assignments accurately. Online platforms also offer flexibility in scheduling sessions, allowing students to fit support into their busy schedules. Additionally, online services provide an affordable alternative to traditional tutoring options, making academic support accessible to all students regardless of financial constraints. Don't let financial accounting assignments become a headache - take advantage of online resources for help and success in your studies.
Get the Best Financial Accounting Assignment Help.pdfPaul Watson
Hey there! If you're struggling with your financial accounting assignments, don't worry - you're definitely not alone. Many students find this subject difficult to master, and it can be frustrating to feel like you're falling behind. That's why it's important to seek out the best financial accounting assignment help available. With expert guidance and support from seasoned professionals, you can start to understand even the most complex concepts more easily - and get better grades as a result. Whether you need assistance with balance sheets, cash flow statements, or any other aspect of financial accounting, there are plenty of resources out there that can help you succeed. So don't hesitate - take advantage of these tools and give yourself the boost you need to excel in this challenging subject.
This webinar will offer an overview of some of the personal finance research conducted by the Consumer Financial Protection Bureau that is most pertinent to financial counselors and educators.
To join, find resources and watch recording: https://learn.extension.org/events/3069
Welcome to the Financial Freedom Challenge!
Are you ready to take control of your financial future and unlock the door to lasting prosperity? Join us on a journey toward financial freedom like no other.
What is the Financial Freedom Challenge?
The Financial Freedom Challenge is a transformative program designed to empower you with the knowledge, skills, and mindset needed to achieve true financial independence. Over the course of [insert duration], you'll embark on a guided exploration of wealth-building strategies, budgeting techniques, investment opportunities, and more.
Kevin Jeffries, Consumer Liaison, Oregon Department of Consumer and Business ...NeighborhoodPartnerships
Kevin Jeffies of the Oregon Department of Consumer and Business Services presents on financial fraud and scam prevention at Neighborhood Partnerships' 2016 RE:Conference
Laura Choi, Senior Research Associate – Community Development, Federal Reserv...NeighborhoodPartnerships
Laura Choi of the Federal Reserve Bank of San Francisco presents on Strengthening the Financial Future in Oregon at Neighborhood Partnerships' 2016 RE:Conference
Lori Coyner (State Medicaid Director, Oregon Health Authority), Rachel Port (Public Policy Director, Central City Concern), Leslie Neugebauer (Director of Central Oregon Coordinated Care Organization, PacificSource), Pam Hester (Health and Housing Manager, CareOregon), and Josh Balloch (VP of Government Affairs and Health Policy, AllCare) present on Health as Housing at Neighborhood Partnerships' 2016 RE:Conference
Every year the Oregon IDA Initiative helps thousands in Oregon buy homes, start small businesses and get an education. Here's the data behind the Initiaitve.
Regulatory requirements for improving access to housing are powerful tools for removing barriers to housing choice and increasing housing opportunities. Local, state and federal laws can help you address unreasonable barriers put in place by neighbors or advocate for inclusive housing through planning and land use processes. The new affirmatively furthering fair housing rules at US Department of Housing and Urban Development will shape housing options for years to come. This session will provide an overview of applicable regulatory tools and practical discussion of how to apply them
Margaret Solle Salazar, Portland Field Office Director, US Dept of Housing and Urban Development
Pam Phan, 1000 Friends of Oregon and Anti-Displacement PDX
Martha McLennan, Executive Director, Northwest Housing Alternatives
Building housing that will remain affordable for years to come is a complex undertaking. It can also be expensive. How do we talk and think about cost comparisons, cost containment, and new approaches? What has recent analysis taught us about costs and alternative development models? We’ll get a preview of the work that’s still ahead to reach agreement on priorities and to communicate well about the tradeoffs and choices we make.
Margaret Van Vliet, Director, Oregon Housing and Community Services
Michael Parkhurst, Affordable Housing Initiative Program Officer. Meyer Memorial Trust
“Housing First” models offer great hope for housing individuals and households who face significant barriers to housing. Oregon has been a leader in this work, but more needs to be done in every community, and we need opportunities to learn from one another. Join us as we hear about and map examples of work being done now in Oregon to move this approach forward.
Bill Hall, Commissioner, Lincoln County
Kenny La Point, Systems Integrator, Oregon Housing and Community Services
Marc Jolin, Director, A Home for Everyone
Heather Lyons, Corporation for Supportive Housing
What’s working? Strategies to create inclusive communities, mitigate and reve...NeighborhoodPartnerships
Working to address and mitigate barriers to housing opportunity requires passion, creativity and a clear vision of how prosperous, equitable communities work. Community-based organizations are innovating approaches to mitigating residential displacement, inclusive anti-poverty strategies, and creating successful pathways to homeownership for those who experience the greatest barriers to this core asset building step. Learn from leaders from across the state what new strategies are working, how community engagement supports self-determination, and how funding is being secured for these innovations in creating inclusive and prosperous communities.
Moderator: Roberto Jiménez , Farmworker Housing Development Corporation
Travis Phillips, Pathways 1000 Plan, Portland Community Reinvestment Initiatives (PCR!)
Jen Matheson, Northwest Health Foundation
Amy Cubbage, Habitat for Humanity Mid-Willamette Valley
Oregon’s economy is both booming and struggling, and the pressure is on for housing markets across the state. The problem shows up as a lack of housing stock, high rents, unaffordable homeownership, sub-standard housing quality. People with low incomes, people experiencing a disability, and especially people of color experience the greatest barriers to housing opportunity. Hear what the data says about growing wealth disparity and housing opportunity gaps, and add your voice to this discussion about what housing needs are in your community. How does data drive policy change and greater inclusion?
Megan Bolton, Research Analyst, Oregon Housing and Community Services
Katie Sawicki, Policy Director, Urban League of Portland
Stephanie Jennings, Grants Manager, Community Development, City of Eugene
Consumer Protection Listening Session: How Can You Protect Your Clients From ...NeighborhoodPartnerships
Sometimes the field of Consumer Protection feels like whack-a-mole. It seems like every day a new scam pops up to entrap our community members. What consumer protection issues are your clients facing? This session offers a chance for you to share your concerns and hear from your colleagues. Experts in the field will offer resources and tools to help keep your clients safe. We will also explore policy solutions to change the landscape of Consumer Protection in Oregon.
Diane Childs, Oregon Department of Consumer and Business Services
Jonathan Groux, Consumer Protection Section of the Oregon Department of Justice
Moderator: Sybil Hebb, Oregon Law Center
Oregon communities across the state are resilient, innovative and tough. Many communities, especially communities of color, face incredible barriers to opportunity, barriers that limit their ability to grow assets and build wealth. Join us to learn about work being done within communities of color in Oregon to remove barriers to asset building and create more equitable outcomes.
Katie Sawicki, Urban League of Portland
Andrea Paluso, Family Forward Oregon
Moderator: Janet Byrd, Neighborhood Partnerships
Russian anarchist and anti-war movement in the third year of full-scale warAntti Rautiainen
Anarchist group ANA Regensburg hosted my online-presentation on 16th of May 2024, in which I discussed tactics of anti-war activism in Russia, and reasons why the anti-war movement has not been able to make an impact to change the course of events yet. Cases of anarchists repressed for anti-war activities are presented, as well as strategies of support for political prisoners, and modest successes in supporting their struggles.
Thumbnail picture is by MediaZona, you may read their report on anti-war arson attacks in Russia here: https://en.zona.media/article/2022/10/13/burn-map
Links:
Autonomous Action
http://Avtonom.org
Anarchist Black Cross Moscow
http://Avtonom.org/abc
Solidarity Zone
https://t.me/solidarity_zone
Memorial
https://memopzk.org/, https://t.me/pzk_memorial
OVD-Info
https://en.ovdinfo.org/antiwar-ovd-info-guide
RosUznik
https://rosuznik.org/
Uznik Online
http://uznikonline.tilda.ws/
Russian Reader
https://therussianreader.com/
ABC Irkutsk
https://abc38.noblogs.org/
Send mail to prisoners from abroad:
http://Prisonmail.online
YouTube: https://youtu.be/c5nSOdU48O8
Spotify: https://podcasters.spotify.com/pod/show/libertarianlifecoach/episodes/Russian-anarchist-and-anti-war-movement-in-the-third-year-of-full-scale-war-e2k8ai4
Many ways to support street children.pptxSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
What is the point of small housing associations.pptxPaul Smith
Given the small scale of housing associations and their relative high cost per home what is the point of them and how do we justify their continued existance
ZGB - The Role of Generative AI in Government transformation.pdfSaeed Al Dhaheri
This keynote was presented during the the 7th edition of the UAE Hackathon 2024. It highlights the role of AI and Generative AI in addressing government transformation to achieve zero government bureaucracy
This session provides a comprehensive overview of the latest updates to the Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards (commonly known as the Uniform Guidance) outlined in the 2 CFR 200.
With a focus on the 2024 revisions issued by the Office of Management and Budget (OMB), participants will gain insight into the key changes affecting federal grant recipients. The session will delve into critical regulatory updates, providing attendees with the knowledge and tools necessary to navigate and comply with the evolving landscape of federal grant management.
Learning Objectives:
- Understand the rationale behind the 2024 updates to the Uniform Guidance outlined in 2 CFR 200, and their implications for federal grant recipients.
- Identify the key changes and revisions introduced by the Office of Management and Budget (OMB) in the 2024 edition of 2 CFR 200.
- Gain proficiency in applying the updated regulations to ensure compliance with federal grant requirements and avoid potential audit findings.
- Develop strategies for effectively implementing the new guidelines within the grant management processes of their respective organizations, fostering efficiency and accountability in federal grant administration.
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
A process server is a authorized person for delivering legal documents, such as summons, complaints, subpoenas, and other court papers, to peoples involved in legal proceedings.
2. Presenters
Elena Fracchia
Director of Income & Investments | United Way of Lane County
Lynne McConnell
Associate Director of HomeSource & Assets | NeighborImpact
3. Money & Me
List all of the words, phrases, sayings,
songs, or other associations you have
with the word money.
7. Workflow Analysis
Review Workflow Analysis Tool:
Brainstorm specific opportunities for beginning the financial
empowerment conversation with clients.
8. Your Money, Your Goals
To provide participants with:
• An orientation to Your Money,
Your Goals—the CFPB’s
financial empowerment tools
• Strategies for using the toolkit
• The tools, knowledge and
confidence to provide financial
empowerment services to their
clients
10. Financial Empowerment
What is financial empowerment?
How is it different than financial education,
financial literacy, financial capacity, or other
commonly used terms?
11. Organization of the Toolkit
Introductory modules
– Module 1: Introduction to the toolkit
– Module 2: Assessing the situation
– Module 3: Starting the conversation
– Module 4: Emotional & cultural influences on
financial decisions
– Module 5: Using the toolkit
12. Organization of the Toolkit
Content modules
– Module 6: Setting goals
– Module 7: Saving for the unexpected, emergencies, &
goals
– Module 8: Managing income & benefits
– Module 9: Paying bills & other expenses
– Module 10: Managing cash flow
– Module 11: Dealing with debt
– Module 12: Improving credit reports & scores
– Module 13 Evaluating financial service providers,
products, & services
– Module 14: Protecting consumers rights
16. Bank On Oregon
Everyone deserves a chance
We can help you find a safe, affordable
account. Take steps to open an account today
and gain easier access to your money.
17. Caution: Information Overload
Getting all of the tools
at once –or even five
tools at one time – is
likely be overwhelming
for most clients
(…and case managers)
18. Resources Available
Consumer Financial Protection
Bureau
Your Money, Your Goals Financial
Empowerment Toolkit
CFED
Integrating Financial Capability Toolkit
Bank On Oregon
Connecting to Financial Education
and Products
ELENA
ACTIVITY #1: Money and Me (slides 3-5)
Estimated Time: 15 Minutes
Methodology: Opener—Contest
Corresponding Section in Toolkit: No corresponding section in Toolkit
Instructions for Facilitator:
Instruct participants to work in small groups.
Give each group a flip chart and marker.
Instruct them to brainstorm all of the associations they have with money per the flip chart.
Tell them the winning group is the one with the most associations.
Give them 2 minutes.
Call time and ask groups to count up total items listed and write the number on their flip charts.
Congratulate winning team.
Hang up their flip chart.
Ask other teams to add items they feel are missing from the list.
Go through many of the ideas and ask group to indicate whether the association is positive or negative with a thumbs up or thumbs down, respectively.
Based on majority vote, write “+” or “-” next to each entry on the flip chart.
If there is a lot of disagreement about an entry, facilitate a short discussion about the disagreement and write “?” next to those about which there does not seem to be agreement.
ELENA
ACTIVITY #1: Money and Me CONTINUED
Opener
Show and read the definition of “Money.”
Contrast the definition of money to the list of associations generated by the team by asking: “How did we get from this simple definition of money to all of these positive and negative associations?”
ELENA
What do we mean by “gateways”?
Starting the conversation
Finding creative ways to build it into our work
Why might this be important? (Discussion)
Meeting people where they’re at
Improve success of our programs
Support social services
ELENA
By the end of the training, participants will be able to:
Explain the ways outcomes of financial empowerment training align with your program and client outcomes.
Demonstrate increased confidence in your own knowledge about core financial management topics.
Assess clients’ financial condition or situation.
Provide the right financial content at the right time in the context of your case work with clients based on assessment.
ELENA
Great for people who are already doing this work as well.
Be sure to highlight that case managers and nonprofit staff members:
Meet with consumers that need high quality, unbiased financial information and tools to help them
Have the trust of the people they work with
In this context, a “case manager” is anyone who works directly with people with low or moderate income in a wide range of organizations and on a broad range of issues.
Case managers generally do one or more of the following with clients:
Conduct needs assessments
Develop action plans
Provide education, information, resources, and referrals needed to implement action plans
Monitor progress
Evaluate results
Given this definition, can you think of groups in your communities that might be able to help you reach the population we’re trying to serve?
List a few organizations
What other national partnerships are offering the training
Challenge: Not everyone sees themselves reflected in this definition. However, we take the opportunity to help them better understand how they can have an impact:
“How do you feel this kind of Toolkit may benefit your work even though you see yourself as outside the target audience for the Toolkit?”
ELENA
Definition: Financial Literacy + Ability = Financial Empowerment
Having the ability to use financial management knowledge, skills, and tools to access resources, products, and services to achieve your goals.
Share the relationship of financial empowerment to financial education and financial literacy using the slide and information from
Module 1, Section 3: Financial Empowerment: A way to improve client and program outcomes. (page 4)
Financial education, which is inclusive of other strategies, such as coaching, counseling, technology-based approaches, and so on, leads to financial literacy and that financial literacy plus confidence—the confidence to make decisions and use knowledge, skills, and tools including financial products and services—is financial empowerment.
LYNNE
Review the purpose of the toolkit:
The goal of Your Money, Your Goals is to improve client outcomes
by making it easier for you as a case manager to help clients
become more financially empowered.
Review different modules and how the toolkit is organized:
Introductory: Includes assessments, getting comfortable, how to use it
Content: Focused on tools themselves and financial skills
LYNNE
ELENA
Once we’ve spent time on the introductions, then we move into the specific modules where, you can recall from earlier, the financial content is. We’ll walk through a few of those now.
This is from module 6: setting goals.
Explain the qualities of strong goals:
Specific
When setting a goal, ask yourself the questions: Who? What? Why?
A specific goal has a much greater chance of being met than a general goal.
Measurable
You should be able to track your progress toward meeting the goal.
Ask yourself questions like: How much? How many? How will I know when it is done?
Able to be reached
Is this goal something that you can actually reach?
You might want to get out of high credit card debt tomorrow or become a millionaire in a year, but for most of us, that's a totally impossible goal!
That doesn't mean that your goals should be easy. Your goal may be a stretch for you, but it should not be extreme or impossible.
Relevant
Set goals that matter to you and are a priority in your life.
Ask yourself the questions: Is this something that I really want? Is now the right time to do this?
Time-framed
Goals should have a clearly defined time frame, including a target or deadline date.
But none of this means anything if we can’t figure out how to apply it…
ELENA
How can we help people see the difference between talking about success, and seeing progress? Need to get SMART.
Look at first goal
Why is this NOT a smart goal? (not specific, no time, not attainable, etc).
Let’s look at how we can make it stronger [click mouse]
Why IS this a smart goal?
ELENA
Regional resources?
Review the key points related to the role of referral.
Explore the concept of knowing your limits by asking: “How will you know when you have reached your limits in providing financial empowerment services to clients?”
Can anyone think of an organization that provides resource and referral services? (211 or others?)
Important to consider your community and where we might send someone to take the next steps in their financial support. As part of the training, we work to ensure that those who are trained have access to local resource to improve their ability to refer.
ELENA
Bank On Oregon encourages access to, and the responsible use of, safe and affordable financial products by:
Maintaining a website in English and Spanish with up-to-date information and resources on safe and affordable financial products and quality financial education services.
Centralizing reporting about Bank On Oregon activities to provide financial educators, referral providers, and financial institutions with information to measure success and promote successful client referrals.
ELENA
Review key principles of using the Toolkit.
Provide the right content and tools at the right time. Access only those parts of the Toolkit that match your clients’ needs.
Use discussions and assessments as a starting place.
Do not treat like a curriculum—the goal is not to get through all of the materials at once, or even in the order they are presented.
Explain in particular the difference between the Toolkit and a financial education/coaching curriculum.
A toolkit has tools in it.
It can be used in any order based on the problem trying to be fixed. If you are hanging a picture, you may only use a hammer. But if someone is trying to build a house, she/he will use a hammer, saw, and so on.
As with any toolkit, a case manager may only use one tool or many depending on the magnitude of the issue being addressed.
A curriculum is generally designed to help people develop specific competencies.
Often has the expectation that all or most of the curriculum will be taught and that one concept builds on another.
The toolkit is designed to help case managers match content with the specific needs of the clients or individuals they serve on a just-in-time basis.
Explain that to make the best use of the Toolkit, it’s best to not give clients all of the tools at once.
Getting all of the tools at once –or even five tools at one time – is likely be overwhelming for most clients.
A better approach is to identify the topic and tool that will make the biggest difference for each client.
When sending tools home with clients, limit it to one or two that have been reviewed and discussed during case management sessions.
If a client receives too many tools at once, none of the tools are likely to be used.
