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Tools and Resources for Social Workers

AFCPE:

https://www.afcpe.org/resource-center

https://www.afcpe.org/news-and-publications/journal-of-financial-counseling-and-planning (If you are interested in receiving PDFs of any of the articles please let me know and I will send them to you.)

https://www.afcpe.org/partners (The partners’ websites offer their own lists of resources.)

https://www.afcpe.org/certification-center/accredited-financial-counselor (They offer certifications – the most applicable is the AFC certificate.)

http://www.afcpe.org/membership

CFPB:

http://www.consumerfinance.gov/your-money-your-goals/#socialservices (Social Services Kit)

http://www.consumerfinance.gov/adult-financial-education/ (Resources: webinars, etc)

http://www.consumerfinance.gov/library-resources/

http://www.consumerfinance.gov/empowerment/

http://www.consumerfinance.gov/managing-someone-elses-money/

https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php

https://publications.usa.gov/USAPubs.php?NavCode=K

Financial Therapy Association:

https://fta.memberclicks.net/index.php?option=com_mc&view=mc&Itemid=175

https://fta.memberclicks.net/newsletter

https://fta.memberclicks.net/webinars

Kansas State Financial Planning – Extension:

http://www.he.k-state.edu/fshs/extension/family-finances/

Websites:

Money Smart Week - http://www.moneysmartweek.org/

Amerrica Saves - https://americasaves.org/

https://www.mint.com/

http://www.kiplinger.com/

http://www.practicalmoneyskills.com/

Listservs:

IRS - https://www.irs.gov/uac/e-news-subscriptions-2

USA.gov printed material: https://publications.usa.gov/

USA.gov listserv: http://connect.usa.gov/explore-page-subscribe

US Census Bureau: https://public.govdelivery.com/accounts/USCENSUS/subscriber/new?

Federal Deposit Insurance Corporation (FDIC): https://service.govdelivery.com/accounts/USFDIC/subscriber/new

Federal Trade Commission (FTC): https://public.govdelivery.com/accounts/USFTC/subscriber/new?preferences=true

US Gov Bookstore: https://public.govdelivery.com/accounts/USGPOBOOK/subscribers/new?preferences=true

HUD: https://public.govdelivery.com/accounts/USHUDOIG/subscribers/new?preferences=true

Federal Reserve Bank of New York: https://www.newyorkfed.org/press/sign-up-in-review.html

Corporation for Enterprise Development (CFED): https://cfed.org/signup

Illinois Asset Building Group listserv: http://illinoisassetbuilding.org/

Illinois Asset Building Group resources: http://illinoisassetbuilding.org/resources/

The Counselor’s Corner: FREE membership and resources - https://www.thecounselorscorner.net/register/

Maryland Cash listserv: http://mdcash.org/

Maryland Cash toolkits: http://mdcash.org/resources/toolkits/

Federal Financial Institutions Examination Council (FFIEC): https://www.ffiec.gov/

Visa and AFCPE® Announce New, Free Financial Counseling Program for Veterans

http://www.practicalmoneyskills.com/about/press/releases_2016/1122.php

Simple Ways to Make Your Appliances Last Longer

http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/columns_2016/1209_Appliances.php

ARCHIVED: New Webinar: Financial Infidelity – Divorce-Proofing Your Marriage

https://www.financialsocialwork.com/blog/new-webinar-financial-infidelity-divorce-proofing-your-marriage?utm_source=Financial+Social+Work+Newsletter&utm_campaign=5d8c00b547-Webinar_Promotion_12_14_2016&utm_medium=email&utm_term=0_ca238f8997-5d8c00b547-311214837

Choosing and Using the Right Bank Account

https://www.fdic.gov/consumers/consumer/news/cnsum16/accounts.html

When Small Charges Can Signal a Big Crime: Counting every penny on your credit and debit card statements can help detect fraud

https://www.fdic.gov/consumers/consumer/news/cnsum16/counterfeit.html

Money Smart at 15: The FDIC’s Free Financial Education https://www.fdic.gov/consumers/consumer/moneysmart/index.html

IASP Designing Polices to Close the Racial Wealth Gap

http://cfed.org/policy/federal/IASP_CFED_Equitable_Investments_in_the_Next_Generation-FINAL.pdf

Additional Tools and Resources from Maryland Cash website:

American Financial Services Association | www.afsaef.org

Publications and online “Money Skill” course for high school students American Savings Education Council | www.choosetosave.org Publications, curriculum, calculators, retirement ball park sheet - all focused on the power of savings AssetPlatform (from the Aspen Institute) | www.assetplatform.org Delivers high quality products and services, including trainings, calculators, assessment tools, consumer-friendly financial products and links to experts Citibank | www.citigroup.com The Citi Financial Education Curriculum & Facilitator's Guide offers basic lessons in personal finances

Consumer Action | www.consumer-action.org Multilingual educational materials and technical assistance CFPB's Toolkit | www.consumerfinance.gov/your-money-your-goals/

A toolkit that social services organizations can use to help their clients set goals, choose financial products and build skills in managing money, credit, and debt.

Consumer Federation of America | www.consumerfed.org Studies and fact sheets on financial and consumer protection topics

Credit Abuse Resistance Education | www.careprogram.us Free financial literacy program which makes bankruptcy professionals available to educators, students and the public to illuminate the dangers of credit abuse

The Good Credit Game

A hands-on credit curriculum kit to teach classes on credit reports, credit scores and credit cards. Includes classroom activities and a credit board game.

Federal Deposit Insurance Corporation | www.fdic.gov “Money Smart” financial educational curriculum in multiple languages Federal Reserve | www.FederalReserveEducation.org Lesson plans, publications, videos and online financial education tools Financial Education Game | www.financialentertainment.org Online game teaching budgeting, credit, and spending decision making “Foolproof” Consumer Education Portal for Students | www.foolproofonline.info Online course sponsored by credit unions Jump$tart Coalition for Personal Financial Literacy | www.jumpstart.org Financial literacy research, standards and educational resources for pre-kindergarten through college-age youth Junior Achievement| www.ja.org Financial education programs for middle and high school students Maryland Attorney General |www.oag.state.md.us/WiseBuys Consumer protection tip sheets and online game for teens Maryland CASH Campaign | www.mdcash.org Tool kits for conducting a Credit Café and for helping educators with assisting their clients on a variety of financial topics

Maryland Consumer Rights Coalition (MCRC) | www.marylandconsumers.org Nonprofit organization that advances and protects fairness and justice for Maryland consumers through research, education and advocacy. Check their "Tips for Buying a Car" video

Maryland Financial Literacy Coalition | www.mdfinancialskills.org Curriculum, teaching tools for multiple school-age groups Money Habitudes

Creative activities to teach about money values/habits.

National Council on Economic Education | www.ncee.net Publications and online courses for students and teachers

National Endowment for Financial Education | www.financialworkshopkits.org

Workshop kits including FAQs, customizable PowerPoint presentations, scripts, and handouts focused on educating varied, yet specific audiences on financial basics

Securities and Exchange | www.sec.gov/investor Educational game and materials related to investing US Financial Literacy Coalition | www.mymoney.gov Online tools, worksheets, and federal government resources

Helping consumers understand their loan options, shop for the mortgage that’s best for them, and avoid costly surprises at the closing table.

From CFPB:

Buying a house is a big decision—and can sometimes feel a little overwhelming. There are many important factors to consider when choosing a mortgage to finance or refinance a home. See tips for negotiating your best mortgage deal.

Learn about getting help paying for school.

From USA.gov:

College or trade school can be a big expense for students and families. If you need help paying for it, these federal financial aid programs can help you take your education to the next level and get the knowledge that you need to pursue your dream job.

Find the answers to common questions about receiving Social Security.

From USA.gov:

Are you ready to retire and apply for social security benefits? The Social Security Administration offers several options for applying for your benefits: online, by phone or in person at local social security office.

Set up your "my Social Security" account today to keep track of your status, estimate your benefits and more. Use the online application or call 1-800-772-1213 to schedule an appointment to get help applying for your benefits.

Get answers to common questions about buying and using medications.

From USA.gov

Prescription drugs can be very expensive—but not taking your medicine isn’t a solution. There are federal and state programs available as well as online pharmacies that can help you get your medications in a way that you can afford.

Learn about government programs to help pay bills and other expenses.

From USA.gov:

Summer means high energy bills as everyone tries to cool off. But you and your family don’t have to sweat through another hot summer just to afford your gas and electric bill. Government assistance is available to help eligible families pay their energy bills year round.

Find out how to get help buying nutritious food for you and your family.

“Families who use the Supplemental Nutrition Assistance Program (SNAP) now have more choices on where to buy fresh food and delicious fruits and vegetables. The USDA has updated its National Farmers Market Directory with detailed information about the local markets that accept SNAP. There are over 2,800 markets offering fresh fruits, vegetables and other farm-fresh foods that accept the card.To find a local market near you, search this database and click on the payment accepted tab.”

From CFPB:

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Your credit card may give you bonus points for shopping in certain stores that you can redeem for special offers or offer additional protections that are not typically advertised. This includes travel insurance in certain situations or purchase protection programs that can extend the window for returning unused merchandise. Is your credit card the right one for you?

Know someone who’s behind on their bills?

From FTC:

Don't Let Debt Collectors Violate Your Rights

If you're behind on your bills, you may have debt collectors calling you or sending you letters. Did you know that you have rights when someone is collecting a debt from you? Learn more about the abusive practices of debt collectors and what they can and can't do to collect your debt.

Here are some steps to consider if you can’t pay your bills.

From the CFPB:

When bills are piling up, it’s important to remember that you’re still in control. Take a deep breath. There are things you can do if you fall short one month and don’t have enough money to cover everything.

Depending on your situation, ignoring your bills could lead to higher interest rates, damage to your credit score, or repossession of your car or foreclosure. Instead, talk to your creditors and explain your situation. You may be able to make short-term arrangements.

The CFPB has more suggestions for actions you can take if you’re falling behind on bills. We also have free resources like bill calendars and budget worksheets to help plan your spending. If you or someone you know is in a tight financial moment, these strategies can help.

Thank you,

Courtney-Rose and the Consumer Engagement Team Consumer Financial Protection Bureau

Tools and Resources from Maryland Cash website:

American Financial Services Association | www.afsaef.org

Publications and online “Money Skill” course for high school students

American Savings Education Council | www.choosetosave.org

Publications, curriculum, calculators, retirement ball park sheet - all focused on the power of savings

AssetPlatform (from the Aspen Institute) | www.assetplatform.org

Delivers high quality products and services, including trainings, calculators, assessment tools, consumer-friendly financial products and links to experts

Citibank | www.citigroup.com

The Citi Financial Education Curriculum & Facilitator's Guide offers basic lessons in personal finances

Consumer Action | www.consumer-action.org

Multilingual educational materials and technical assistance

CFPB's Toolkit | www.consumerfinance.gov/your-money-your-goals/

A toolkit that social services organizations can use to help their clients set goals, choose financial products and build skills in managing money, credit, and debt.

Consumer Federation of America | www.consumerfed.org

Studies and fact sheets on financial and consumer protection topics

Credit Abuse Resistance Education | www.careprogram.us

Free financial literacy program which makes bankruptcy professionals available to educators, students and the public to illuminate the dangers of credit abuse

The Good Credit Game

A hands-on credit curriculum kit to teach classes on credit reports, credit scores and credit cards. Includes classroom activities and a credit board game.

Federal Deposit Insurance Corporation | www.fdic.gov

“Money Smart” financial educational curriculum in multiple languages

Federal Reserve | www.FederalReserveEducation.org

Lesson plans, publications, videos and online financial education tools

Financial Education Game | www.financialentertainment.org

Online game teaching budgeting, credit, and spending decision making

“Foolproof” Consumer Education Portal for Students | www.foolproofonline.info

Online course sponsored by credit unions

Jump$tart Coalition for Personal Financial Literacy | www.jumpstart.org

Financial literacy research, standards and educational resources for pre-kindergarten through college-age youth

Junior Achievement| www.ja.org

Financial education programs for middle and high school students

Maryland Attorney General |www.oag.state.md.us/WiseBuys

Consumer protection tip sheets and online game for teens

Maryland CASH Campaign | www.mdcash.org

Tool kits for conducting a Credit Café and for helping educators with assisting their clients on a variety of financial topics

Maryland Consumer Rights Coalition (MCRC) | www.marylandconsumers.org

Nonprofit organization that advances and protects fairness and justice for Maryland consumers through research, education and advocacy. Check their "Tips for Buying a Car" video

Maryland Financial Literacy Coalition | www.mdfinancialskills.org

Curriculum, teaching tools for multiple school-age groups

Money Habitudes

Creative activities to teach about money values/habits.

National Council on Economic Education | www.ncee.net

Publications and online courses for students and teachers

National Endowment for Financial Education | www.financialworkshopkits.org

Workshop kits including FAQs, customizable PowerPoint presentations, scripts, and handouts focused on educating varied, yet specific audiences on financial basics

Securities and Exchange | www.sec.gov/investor

Educational game and materials related to investing

US Financial Literacy Coalition | www.mymoney.gov

Online tools, worksheets, and federal government resources

From Prosperity Now (Formerly Known as CFED):

Are you working with a financial coaching program? Do you want to connect with others to talk about financial coaching models and practices and keep up-to-speed on the latest information for the field? Sign up today for the NEW Financial Coaching Network! Membership is free and open to anyone who wants to plug in and stay informed, while the content is designed specifically for program managers and directors.

As the number of financial coaching programs has quickly risen over the past several years, so have requests from our partners to have a place for financial coaching practitioners to connect with each other on a regular basis. To respond to these requests, Prosperity Now has launched a new Financial Coaching Network for program managers and directors to connect and share their experiences, questions and the latest information available in the field. The Network is collaborative in nature and seeks the partnership of other national and local financial coaching pros, such as the Center for Financial Security and The Financial Clinic, to ensure it’s disseminating the latest information and resources.

Financial Coaching Network members are encouraged to register for 2017’s free bi-monthly call series. The bi-monthly calls will cover pressing topics and be led by experts in the field. The first call will be held on August 16 and will be facilitated by Anne Leland Clark from Prepare + Prosper. We’ll discuss challenges programs face with client recruitment and engagement, and innovative solutions and practices implemented in the field to address these challenges!

Financial coaches seeking a deep day-to-day engagement with peers and experts are encouraged to check out our partner, Change Machine. In their online community platform, SHARE, practitioners discuss everyday challenges, get instant answers to tough coaching questions and exchange best practices. Prosperity Now’s Financial Coaching Network members who sign up for Change Machine before Labor Day receive FREE access to SHARE for a full year.

Help spread the word! Share this email with anyone you think might be interested in getting connected.

#financial coaching

Before you make a purchase, do your research, and know your rights.

From USA.gov:

Get the Most Out of Your Gift Cards

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You may have a received a gift card for your birthday or considered buying one for someone you know. Gift cards can be a convenient way to pay for purchases at retailers or restaurants, but it's important to understand their terms and conditions.

Where can you use the card?

Does it expire?

Are there fees to buy, use, or replace the card?

#gift cards

Fake debt collectors will say anything that will scare you into paying them.

Fake debt collectors impersonate real businesses

by Rosario Méndez, Attorney, Division of Consumer and Business Education

Fake debt collectors will say anything that will scare you into paying them. Today, the FTC stopped imposters who pretended to be lawyers.

#debt collection scams #fake debt collectors

July 20: CFPB 6 Year Look Back Webinar

From the CFPB:

Good afternoon,

You are invited to attend a webinar hosted by the Consumer Financial Protection Bureau (CFPB) Director Richard Cordray and the Office of Community Affairs to mark the 6th year anniversary of the CFPB and highlight the many resources and tools that we’ve developed to help consumers navigate the financial marketplace. This webinar is intended for consumer, community, and nonprofit groups. Please share with your members and affiliates.

The webinar will take place on Thursday, July 20 from 3:30 - 4:30 p.m. E.T.

The webinar is open to nonprofit organizations only and requires an RSVP. To RSVP, please visit: https://consumer-financial-protection-bureau.forms.fm/july-20-cfpb-6-year-look-back-webinar.

Please feel free to forward this invitation to other nonprofit organizations.

Thank you,

Vanessa Krueger

Office of Financial Empowerment

Consumer Financial Protection Bureau

Sign up to receive regular updates from the Office of Financial Empowerment and learn more about our work at www.consumerfinance.gov/empowerment/.

Join our Affordable Homeownership Campaign

From Prosperity (Formerly Known as CFED):

Homeownership is the single largest source of wealth for most American families. It also provides a host of other advantages, like improved health benefits and a greater sense of community. Protecting access to this valuable asset is one of four major federal policy focuses of Prosperity Now, and why we launched the Affordable Homeownership Advocacy Campaign earlier this year.

So far this year, we've taken a number of steps to push back on federal legislation that threatens to upend progress on fair housing. We circulated a sign-on letter opposing the Local Zoning Decisions Protection Act, which would repeal the Affirmatively Furthering Fair Housing (AFFH) rule and strip away tools for communities to reverse housing segregation. We also reached out to Congress in opposition to the Preserving Access to Manufactured Housing Act, which would roll back some basic consumer protections for manufactured home buyers.

While our campaign has been active over the last several months, there's still much work to be done. We hope you'll join our Affordable Homeownership Advocacy Campaign, and help fight to make homeownership a possibility for all! Here's how you can get involved:

Sign up for our Affordable Homeownership Advocacy Campaign to stay up-to-date on advocacy opportunities to protect the products and policies that provide more affordable homes to more people.

Join the Prosperity Now Action Center on Facebook to stay connected with other advocates.

Follow Prosperity Now on Twitter and share alerts and advocacy opportunities with your network.

In this political climate, standing up and protecting working families is critical, and by working together to fight harmful legislation and advance good homeownership policy, we can make a difference. Join our Affordable Homeownership Advocacy Campaign and act to protect the programs you care about. Together, we can help put prosperity within reach for everyone.

#home ownership

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