THE CREDIT UNION EXTENSION PROGRAM Financial Counseling Integrated Into CDCUs JUSTINE ZINKIN, CEO MAY 14, 2014
|
|
- Marvin Golden
- 5 years ago
- Views:
Transcription
1 THE CREDIT UNION EXTENSION PROGRAM Financial Counseling Integrated Into CDCUs JUSTINE ZINKIN, CEO MAY 14, 2014
2 A Nonprofit Financial Services Provider Mission: Empower low-income individuals to become productive participants in the U.S. financial system and achieve their financial goals.
3 Success Framework
4 Our Service Model Team of Financial Advisors Highly trained staff deliver one-on-one and group workshop advisory services Financial Advisors guide clients to develop a Financial Action Plan to work towards clear financial goals The Gateway Banking Package The coupling of financial advisory services with quality financial products provides clients with the education and tools to achieve their financial goals and increases the likelihood of effecting behavioral change Partnerships Financial empowerment is most successful when integrated into the poverty-fighting initiatives of trusted community organizations Our services are embedded in host credit unions, nonprofits, government agencies, and businesses
5 Who Are Our Partners? Nonprofits Government Agencies Financial Institutions Businesses / Employers
6 A financial counselor is a part of the credit union team and operations Engages members and the community Delivers financial counseling as core offering, embedded into product offerings, as part of application and / or underwriting process Success measured via improvements to members balance sheets and credit profiles Success measured by improvements in members usage of credit union services resulting and bottom line results Benefits Credit Union Extension Program Clients: empowered with financial action plan and productive financial products to achieve financial goals CDCUs: reach full potential as vehicles for economic development via more financially healthy members who are better able to use credit union services
7 An CU Example: Neighborhood Trust FCU Call To Action Join Us. We guarantee members affordable, fair financial services. Savings. Credit. Money Management. Build your Financial Future. We offer members a personal Financial Advisor who builds Financial Action Plans. Bank Wisely. We connect members to today s banking technologies, using online and phone banking for smarter money management. Invest In your Community. As a nonprofit cooperative we make sure your deposits stay in our neighborhood and strengthen our neighborhood economy. Our mission is wealth-building for you. And your community.
8 A Product Example: The TRUST CARD The Trust Card Is Easy Transfer all of your debt to one card. Make the same payments each month and watch your balance go down more quickly. The Trust Card Saves You Money The Trust Card has a lower interest rate. Unlike other cards, as you pay off your debt, the minimum payment stays constant. You will be out of debt faster and spend much less on interest. The Trust Card Gives You Control Don t fall back into bad habits. As you pay off your debt your access to new credit is limited and you can choose a lower limit upfront. The Trust Card strikes a balance between reducing your debt and the need for available credit. From Pilot Launch: 40 cards originated Median balance refinanced: $7,122 Median debt reduction: $1,000 Median life of active cards: 182 days Income expected per card: $1,500
9 CUEP Client Data
10 The National Federation / Neighborhood Trust Expansion Pilot A sustainable model for the integration of financial counseling into the community development credit union (CDCU) field. Work Plan: A 2-year pilot that strengthens existing counseling programs within credit unions and expands the provision of high-quality financial counseling throughout the credit union industry. Goals: Develop a robust and sustainable model for the integration of financial counseling into credit unions operations: Combine counseling with high-impact financial products and services to achieve greater outcomes for clients: Systematically track and demonstrate the impact of counseling on the member and the credit union through a uniform data collection platform: Vision: By embracing and promoting a culture of financial capability, CDCUs can reach their full potential as vehicles for financial empowerment and economic development.
11 END Q&A 11
President, Neighborhood Trust FCU. Chief Business Development Officer, Neighborhood Trust Financial Partners. Filene Research Institute
Justine Zinkin Rafael Monge Marcia Caban Cynthia Campbell CEO, Neighborhood Trust Financial Partners President, Neighborhood Trust FCU Chief Business Development Officer, Neighborhood Trust Financial Partners
More informationConsumer Financial Services Webinar Series. Webinar #6:
Consumer Financial Services Webinar Series Webinar #6: The Power and Potential of CDFI Credit Union and Loan Fund Partnerships June 22, 2016 1:00 2:00 PM ET Presenters Lauren Stebbins Senior Associate,
More informationInsurance Position Paper UBI
UBI The Promise of Usage-Based Insurance The promise of usage-based insurance The competitive landscape of the auto insurance industry is changing rapidly. Systems and staff costs are increasing, fraudulent
More informationCredit Union Access to Capital
Credit Union Access to Capital & How the Federation Can Help! 2012 AACUC Annual Conference Charleston, SC Terri J. Fowlkes Director, Community Development Investments National Federation of Community Development
More informationREAL ECONOMIC IMPACT NETWORK: EXPLORING "BETTER MONEY HABITS" June 8, 2016 Washington, DC
REAL ECONOMIC IMPACT NETWORK: EXPLORING "BETTER MONEY HABITS" June 8, 2016 Washington, DC Moderator Michael R. Roush, M.A. Director, Real Economic Impact Network National Disability Institute Special Thank
More information31% 41% 11% 50% 18% PROFILE ASSETS & OPPORTUNITY PROFILE: SAN FRANCISCO KEY HIGHLIGHTS ABOUT THE PROFILE ASSETS & OPPORTUNITY
ASSETS & OPPORTUNITY PROFILE: SAN FRANCISCO ASSETS & OPPORTUNITY PROFILE KEY HIGHLIGHTS 31% of San Francisco residents live in asset poverty Cities have long been thought of as places of opportunity for
More informationOLD MUTUAL FINANCIAL WELLBEING PROGRAMME EDUCATE. EMPOWER. ENABLE.
OLD MUTUAL FINANCIAL WELLBEING PROGRAMME EDUCATE. EMPOWER. ENABLE. EDUCATE. EMPOWER. ENABLE. Tomorrow belongs to those who prepare for it today. African proverb In order for any person to be able to secure
More informationPrepared Auto Financing
CONCEPT DOCUMENT Prepared Auto Financing TEAM MEMBERS Ben Hering, Affinity Plus Federal Credit Union Chad LaFlash, UW Credit Union Melina Young, Verity Credit Union Rob Keatts, Chartway Federal Credit
More informationThe oldest members of the 78 million U.S. baby
A Framework for Managing Retirement Income GWM INVESTMENT MANAGEMENT & GUIDANCE FALL 2009 You ve probably spent most of your life focusing on the accumulation of assets. In retirement, however, you need
More informationFinancial Wellness and Economic Inclusion
Financial Wellness and Economic Inclusion NPHS Financial Wellness and Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for
More informationExpanding Homeownership Responsibly with Freddie Mac Home Possible. February 2017
Expanding Homeownership Responsibly with Freddie Mac Home Possible February 2017 Presenter Dennis J. Smith Joined Freddie Mac in September 2015 as Affordable Lending Manager Works with lenders, nonprofits
More informationADVISOR GUIDE. Building Your GSC Health Assist Business An Insider s Guide FOR ADVISOR USE ONLY. Plans provided by Green Shield Canada (GSC)
ADVISOR GUIDE Building Your GSC Health Assist Business An Insider s Guide FOR ADVISOR USE ONLY Plans provided by Green Shield Canada (GSC) WHO WE ARE GREEN SHIELD CANADA (GSC) IS DIFFERENT. AND THAT S
More informationIs Your Nest Egg Larger Than Your Peers? By Bill Keen, CRPC
Is Your Nest Egg Larger Than Your Peers? By Bill Keen, CRPC 2 Is Your Nest Egg Larger Than Your Peers? Is Your Nest Egg Larger Than Your Peers? By Bill Keen, CRPC When it comes to retirement saving, it
More informationEconomic Inclusion Programs and Services
Economic Inclusion Programs and Services NPHS Economic Inclusion programs work together to assist underserved consumers to access, obtain and build assets that create pathways for achieving family self-sufficiency
More informationThe Potential Tax Benefits of Deferred Compensation and Retirement Plans
The Potential Tax Benefits of Deferred Compensation and Retirement Plans By Craig Main, Founder and CEO TRENDS REPORT The Tax Cuts and Jobs Act has created a new tax planning dynamic for companies. Under
More informationExpanding Homeownership Responsibly National Federation of Community Development Credit Unions. Sandra Heidinger September 2017
Expanding Homeownership Responsibly National Federation of Community Development Credit Unions Sandra Heidinger September 2017 A Better Freddie Mac and a better housing finance system For families...innovating
More informationINTRODUCTION THREE-YEAR STRATEGIC FRAMEWORK THREE-YEAR STRATEGIC FRAMEWORK 1
THREE-YEAR STRATEGIC FRAMEWORK 1 THREE-YEAR STRATEGIC FRAMEWORK INTRODUCTION Community Reinvestment Fund, USA s (CRF) Strategic Plan for fiscal years 2017-2019 provides a three-year, comprehensive, realistic
More informationGoal A comprehensive partnership between major stakeholders in a community to improve the quality of life in distressed areas
Goal A comprehensive partnership between major stakeholders in a community to improve the quality of life in distressed areas Incentive A 70% tax credit for contributions to longterm community development
More information2/1/2013. DCBS organizational chart
1 2 3 Department Operating Budget Finance and Corporate Securities (Administers multiple programs involving financial products/services) Ensuring sound financial services and products and protecting consumers
More information/ VOL.26_ N 1 / SUMMER NEWSLETTER for FÉRIQUE Funds unitholders NOW AVAILABLE. By FÉRIQUE Investment Services. FÉRIQUE Balanced Growth Fund
17 INFO / VOL.26_ N 1 / SUMMER 2017 NEWSLETTER for Funds unitholders CONTENTS Portfolios: turnkey solutions for investing with total peace of mind 1 Fund Management reduces management fees for three portfolios
More information2017 Experian State of Lending. Who s Winning? Community Banks vs. Credit Unions
2017 Experian State of Lending Who s Winning? Community Banks vs. Credit Unions Community Banks & Credit Unions: By the Numbers Who s Winning the Lending Game? A look at Key Performance Health Metrics:
More informationCase Study Primer Purpose of a Case Study: Practical Uses for a Case Study: UpLift Solutions CDFI Case Study:
Case Study Primer Opportunity Finance Network is the leading national network of community development financial institutions (CDFIs) investing in opportunities that benefit low-income, low-wealth, and
More informationLesson 1: Defining Our Financial Vision. Companion Workbook
Lesson 1: Defining Our Financial Vision Companion Workbook Lesson 1: Defining Our Financial Vision Having Money does not guarantee happiness. That said, however, having sufficient for our physical needs
More informationFinancial Inclusion for Immigrant Consumers Roundtable
Financial Inclusion for Immigrant Consumers Roundtable Assessing your Readiness 1/16/15 Miriam De Dios, CEO Coopera Pablo DeFilippi, VP Membership & Business Development, Federation Coopera Our Mission:
More informationFor CEOs. By Mike Critelli DOSSIA ALL RIGHTS RESERVED
For CEOs By Mike Critelli 2012 DOSSIA ALL RIGHTS RESERVED www.dossia.org You are frustrated by your Company s inability to control healthcare costs. What can you do in an environment in which the federal
More information1. Host series of Pre foreclosure workshops, housing fairs, homeownership education classes, and home repair seminars
Pre-Purchase/ Post-Purchase education and counseling is a vital part of the new home buyer education process because it supports successful long-term self-sufficiency. Rhodes Porter understands the first
More informationc» BALANCE c» Financially Empowering You Credit Matters Podcast
Credit Matters Podcast [Music plays] Nikki: You re listening to Credit Matters. Hi. I m Nikki, your host for today s podcast. In today s world credit does matter. In fact, getting and using credit is part
More informationWINNING WITH AN HSA. HSAs: RETIREMENT STRATEGY SAVE NOW AND FOR THE FUTURE. Health savings accounts (HSAs)
WINNING WITH AN HSA Health savings accounts (HSAs) HSAs: the new RETIREMENT STRATEGY SAVE NOW AND FOR THE FUTURE Copyright 08 HealthEquity, Inc. All rights reserved. HSAs ARE AN EASY WIN in today s complex
More informationConsumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
More informationInsurers Driving Agility and Cost Optimization With BPM-Enabled SOA
Insurers Driving Agility and Cost Optimization With BPM-Enabled SOA An SMA Whitepaper Author: Deb Smallwood, Founder Published Date: September 2009 Table of Contents About This Whitepaper This paper is
More informationCredit Strength Framework. Making Credit Building Count
Credit Strength Framework Making Credit Building Count 1 Acknowledgments The Credit Strength Framework was developed through a partnership between Credit Builders Alliance and Capital One. Capital One
More informationFX Global Code Public Update on Adherence May 2016
FX Global Code Public Update on Adherence May 2016 PUBLIC UPDATE ON ADHERENCE The Foreign Exchange Working Group (FXWG) was established by the BIS Governors to strengthen code of conduct standards and
More informationJohn Manyike : 24 November Old Mutual Financial Education
John Manyike : 24 November 2011 Old Mutual Financial Education Our Vision & purpose To be the leading provider of primary financial solutions in South Africa We exist to make a positive difference to the
More informationRetirement Plan Solutions GUIDED SIMPLE TRANSPARENT
Retirement Plan Solutions GUIDED SIMPLE TRANSPARENT Are You Ready for Your Retirement? Consider these grim statistics: The average working household has virtually no retirement savings, with the median
More informationTRIP, NeighborWorks HomeOwnership Center & Rensselaer County Housing Resources
TRIP, NeighborWorks HomeOwnership Center & Rensselaer County Housing Resources Information for First Time Home Buyers 2015 Our History Troy Rehabilitation & Improvement Program (TRIP), Inc was established
More informationWINNING WITH AN HSA. HSAs: RETIREMENT STRATEGY SAVE NOW AND FOR THE FUTURE. Health savings accounts (HSAs)
WINNING WITH AN HSA Health savings accounts (HSAs) HSAs: the new RETIREMENT STRATEGY SAVE NOW AND FOR THE FUTURE HSAs ARE AN EASY WIN in today s complex healthcare system How an HSA works An HSA paired
More informationA Letter From The Mayor
A Letter From The Mayor 1 Each year, as we prepare the City of Spokane s annual budget, we look ahead to how we want to grow and change to meet the evolving needs and concerns of our citizens. The status
More informationRESIDENTIAL PROJECTS AUSTRALIA (RPA)
COMPANY PROFILE - TRUST - PARTNERSHIP - SECURITY A truly tailored approach Customised investments Client care, guidance and education Trusted relationships National presence International reach Full service
More informationUnderstanding Credit. Lisa Mitchell, Sallie Mae April 6, Champions of Financial Aid ILASFAA Conference
Understanding Credit Lisa Mitchell, Sallie Mae April 6, 2017 Credit Management Agenda Understanding Your Credit Report Summary: Financial Health Tips Credit Management Credit Basics Credit health plays
More informationMichigan Credit Union Financial Counseling Impact Report
Michigan Credit Union Financial Counseling Impact Report Background and Objectives: In 2010, MCUL implemented a guided financial counseling training program for credit union staff that enhanced the CUNA
More informationTIAA-CREF Advice Matters Survey Executive Summary. September 9, 2014
TIAA-CREF Advice Matters Survey Executive Summary September 9, 2014 1 TIAA-CREF Survey: More Americans Interested In Seeking Financial Advice Still, Majority of Americans Don t Understand its Value and
More informationWINNING WITH AN HSA. HSAs: RETIREMENT STRATEGY SAVE NOW AND FOR THE FUTURE. Health savings accounts (HSAs)
WINNING WITH AN HSA Health savings accounts (HSAs) HSAs: the new RETIREMENT STRATEGY Copyright 07 HealthEquity, Inc. All rights reserved. SAVE NOW AND FOR THE FUTURE HSAs ARE AN EASY WIN in today s complex
More informationMEMBER SOLUTIONS. Partnering with Employers and Old Mutual retirement fund members to achieve the financial futures they deserve.
MEMBER SOLUTIONS Partnering with Employers and Old Mutual retirement fund members to achieve the financial futures they deserve. HELPING TO CREATE A BETTER FUTURE FOR ALL As one of southern Africa s oldest
More informationNIFA Lender Workshop. North Platte, NE April 24, 2018 LaVista, NE April 25, 2018
NIFA Lender Workshop North Platte, NE April 24, 2018 LaVista, NE April 25, 2018 An important note about the seminar content While every effort has been made to ensure the reliability of the session content,
More information(Re)insurance Fast Forward. Régis DELAYAT Senior Digital Advisor to the Chairman February 28 th, 2018
(Re)insurance Fast Forward Régis DELAYAT Senior Digital Advisor to the Chairman February 28 th, 2018 Agenda 1 The value of standards (ACORD source) 2 2 3 The global Ruschlikon initiative With B3i, less
More informationHOPE NOW Alliance. Statement for the Record. Committee on Oversight and Government Reform. U.S. House of Representatives. Hearing
HOPE NOW Alliance Statement for the Record Committee on Oversight and Government Reform U.S. House of Representatives Hearing Foreclosure Prevention Part II: Are Loan Servicers Honoring Their Commitments
More informationFannie Mae National Housing Survey. July - September 2010 Quarterly Wave
Fannie Mae National Housing Survey July - ember 2010 Quarterly Wave Copyright 2010 by Fannie Mae Release Date: November 23, 2010 Consumer attitudes: measure current and track change Attitudinal Questions
More informationREAL ECONOMIC IMPACT NETWORK: ALTERNATIVE STRATEGIES TO BUILD CREDIT
REAL ECONOMIC IMPACT NETWORK: ALTERNATIVE STRATEGIES TO BUILD CREDIT August 10, 2016 Washington, DC Moderator/Presenter Michael R. Roush, M.A. Director, Real Economic Impact Network National Disability
More informationEFC HIGHER EDUCATION ACT REAUTHORIZATION POLICY RECOMMENDATIONS
EFC HIGHER EDUCATION ACT REAUTHORIZATION POLICY RECOMMENDATIONS Given EFC member organizations broad and extensive experience and expertise in helping students and families successfully finance their higher
More informationStudy on Nonprofit Investing Survey Analysis
Study on Nonprofit Investing Survey Analysis Produced: May 2015 By Dennis Gogarty, AIF, CFP Mark Murphy, CFA Chase Deters, CFP, ChFC A Peer Benchmarking Study on Nonprofit Investment Policies and ROI Foundation
More informationHealth Care Reform Information for Employees. Your options under health care reform
Health Care Reform Information for Employees Your options under health care reform Patient Protection and Affordable Care Act (PPACA) September 2013 Contents 1 Your options under health care reform 2 Health
More informationBUYER S EDGE A GUIDE TO FINANCING YOUR DREAM HOME
BUYER S EDGE A GUIDE TO FINANCING YOUR DREAM HOME 4 REASONS WHY YOU SHOULD CHOOSE PPG UPFRONT UNDERWRITING And pre-approvals! This reduces your stress when buying a home. EASY MOBILE APPLICATION We keep
More informationIntroduction. The Assessment consists of: A checklist of best, good and leading practices A rating system to rank your company s current practices.
ESG / CSR / Sustainability Governance and Management Assessment By Coro Strandberg President, Strandberg Consulting www.corostrandberg.com September 2017 Introduction This ESG / CSR / Sustainability Governance
More informationAbout Truliant. investments, financial planning and counseling, free checking options, online services and 24hr ATMs.
2008 Annual Report About Truliant As a credit union, Truliant is a not-for-profit cooperative that provides affordable financial services to over 180,000 member-owners and more than 850 employers and their
More informationBe a Hero. Rethinking Service to People of Modest Means: New Strategies Out of the Box Thinking and Best Practices
Be a Hero Rethinking Service to People of Modest Means: New Strategies Out of the Box Thinking and Best Practices Leveraging Our History to Develop New Strategies Credit Union Heroes Dare Greatly To Dare
More informationStart Your Healthy Lifestyle Home Business
People Everywhere are Taking the Challenge Experience for yourself how rewarding healthy living can be. Start Your Healthy Lifestyle Home Business EPX Body is the ultimate home-based business for anyone
More informationThe Equifax Equation. Innovative Corporate Citizenship
The Equifax Equation Innovative Corporate Citizenship Mission & Vision: Delivering Financial Capability At Equifax, we focus on supporting healthy communities starting with our own internal community of
More informationSmarter processing. Q Investor meeting. July 26, 2018
Smarter processing Q2 2018 Investor meeting July 26, 2018 1 ARNI ODDUR THORDARSON LINDA JONSDOTTIR Chief Executive Officer Chief Financial Officer 2 STRONG ORGANIC GROWTH AND SOLID PERFORMANCE Revenues
More informationASSOCIATED BANK, N.A. COMMUNITY COMMITMENT PLAN FOR
ASSOCIATED BANK, N.A. COMMUNITY COMMITMENT PLAN FOR 2018-2020 Our Purpose Associated Bank, N.A. (Associated) recognizes our success is dependent upon strong relationships with the communities where we
More informationMaking Health Savings Accounts Work Interoperable with Health Plans, Providers and Patients.
Making Health Savings Accounts Work Interoperable with Health Plans, Providers and Patients. Nav Ranajee VP, Healthcare Strategy AGENDA Consumer Directed Healthcare Key Stakeholders Benefits to Employers
More informationSelling Corporate Wellness Services
Selling Corporate Wellness Services Those slides will teach you on how to sell and implement corporate wellness services on corporations of any size It will cover: Why corporations should implement a wellness
More informationCash is King A guide on working capital Management.
Download Cash is King A guide on working capital Management. Exclusive Business Insight from M.Simpson. 1 2 3 4 5 6 7 INTRODUCTION TO WORKING CAPITAL MANAGEMENT. WHAT IS WORKING CAPITAL? WORKING CAPITAL
More informationCanadian Mutual Fund Investor Survey. July,
Canadian Mutual Fund Investor Survey July, 1 Table of Contents Slide Research Objectives and Methodology 3 Key Findings 7 Results in Detail 14 Attitudes toward Investment Products and Investment Strategy
More informationCommunity Development Investment Program (CDIP) for CDCUs SECONDARY CAPITAL I APPLICATION
Community Development Investment Program (CDIP) for CDCUs SECONDARY CAPITAL I APPLICATION Date: Credit Union: Charter Number: Contact Person: Title : Telephone: ( ) Fax: ( ) E-mail Mailing Address: Secondary
More informationCONCEPT DOCUMENT. Future Forward
Future Forward CONCEPT DOCUMENT TEAM MEMBERS Cindy Brucato, GTE Financial Dana Clark, Nutmeg State Federal Credit Union Soma Sarkar, Credit Union of New Jersey THE OPPORTUNITY It s no secret, it s difficult
More informationBEST PRACTICES FOR RESPONSIBLE INVESTING
BEST PRACTICES FOR RESPONSIBLE INVESTING Portfolio management, research, ownership and collaboration May 2018 ABSTRACT In the coming years, Responsible Investing will be routine. Understanding how Environment,
More information10/20/2016. Small Dollar Innovations in Credit Building. October 26, Good Credit : Passport to the New Economy #OFNCONF #RETHINK
Small Dollar Innovations in Credit Building October 26, 2016 Good Credit : Passport to the New Economy 1 Why Credit Building? Increases Access, Affordability, and Options for Financial products Rental
More informationSigFig Data Highlights: 2015 Year in Review
SigFig Data Highlights: 2015 Year in Review Performance and Investor Behavior In 2015, most investors lost money and underperformed the markets 72% of investors had negative or zero 12-month return. In
More informationEmpowering and Strengthening Ohio s People. Senior Financial Empowerment Initiative
Empowering and Strengthening Ohio s People Senior Financial Empowerment Initiative Who We Are Empowering and Strengthening Ohio s People is a non-profit HUD-approved housing and financial counseling agency.
More informationSlay with Stocks. 21-Day Stock Market Challenge
Slay with s 21- Market Challenge Disclaimer All of the content published in this challenge/training is to be used for education and information purposes only without warranty of any kind. The materials
More informationInvestment OVERVIEW: 4 TH QUARTER 2017 DANA EQUITY STRATEGIES.
Investment DANA Advisors OVERVIEW: 4 TH QUARTER 2017 DANA EQUITY STRATEGIES THE WISE CHOICE HERITAGE A strong family culture Since our founding in 1980, Dana has remained independent and Employee-owned.
More informationPartnership with a Purpose
Connect, Grow, Lead Partnership with a Purpose Retail Hot Prospect Campaign Brag About your Career Table of Contents 1 THE NEW PENN FINANCIAL STORY 2 LEADING BY EXAMPLE 3 SHELLPOINT FAMILY OF COMPANIES
More informationIn the Red: Debt in Low- and Moderate-Income African American Communities. November 16, 2017
In the Red: Debt in Low- and Moderate-Income African American Communities November 16, 2017 Welcome Pamela Chan, Project Director, Human Insights at Prosperity Now Prosperity Now s mission is to ensure
More informationNeighborhood Trust is now poised to scale its effective financial services model and help correct this market failure.
NEIGHBORHOOD TRUST More than 800,000 New Yorkers and more than 17 million Americans are underbanked, to pernicious effect, because of financial illiteracy and a mismatch between consumer needs and mainstream
More informationNational Case Statement
Discussion Topics Session Description Learn about the advantages your Credit Union Members can receive by obtaining low-income designation and CDFI Certification and how this translates to Member value.
More informationCADENCE CONCEPT DOCUMENT
CONCEPT DOCUMENT CADENCE TEAM MEMBERS Amanda Basel Christian Financial Credit Union David Bremner Helena Community Credit Union Megan Jackson CFE Federal Credit Union Tara McQuillen Discovery Federal Credit
More informationNCUA Payday Alternative Loan Regulations: Open Comment Summary
NCUA Payday Alternative Loan Regulations: Open Comment Summary 1 Executive Summary According to the April 2017 Pew Charitable Trusts report, Americans Want Payday Loan Reform, Support Lower-Cost Bank Loans,
More informationYour Newest Employee Benefit Student Loan Debt Repayment Assistance John Livingston, CIMA, CFP, Vice President, Consulting
Your Newest Employee Benefit Student Loan Debt Repayment Assistance John Livingston, CIMA, CFP, Vice President, Consulting Student loan reimbursement programs are a fast growing employee benefit. Approximately
More informationPOVERTY ALLEVIATION WEBINAR: CREATIVE IDEAS IN ASSET DEVELOPMENT AND WEALTH CREATION. Andrea Levere, President, CFED
POVERTY ALLEVIATION WEBINAR: CREATIVE IDEAS IN ASSET DEVELOPMENT AND WEALTH CREATION Andrea Levere, President, CFED About CFED CFED (Corporation for Enterprise Development) has worked for over 30 years
More informationStrong Values. Results Focused. Compassionate Service RETIREMENT AND FINANCIAL PLANNING TAX PREPARATION ESTATE PLANNING
Strong Values Results Focused Compassionate Service RETIREMENT AND FINANCIAL PLANNING TAX PREPARATION ESTATE PLANNING Welcome to Financial Servicenter Corporation Your Goals, Our Passion We created Financial
More informationANNUAL PLAN 2018/19. WEL Energy Trust
ANNUAL PLAN 2018/19 WEL Energy Trust This report presents an overview of the Trust s objectives, intentions and expected outcomes over the next 12 months within the framework of the 2017-21 Strategic Plan.
More informationTotalValue Plan it. Own it. Achieve it. The Benefits of Working at Schwab. A package designed to empower your health, wealth, career, and life.
TotalValue Plan it. Own it. Achieve it. The Benefits of Working at Schwab A package designed to empower your health, wealth, career, and life. What s inside... Total Pay 1 Fiancial Future 2 Health and
More informationIn This Issue YEAR-END TAX PLANNING & NEWSLETTER Your Accountants and Business Advisors. Tax Plan From the New President-elect
YEAR-END TAX PLANNING & NEWSLETTER 2016 Your Accountants and Business Advisors HSA provides comprehensive tax compliance and consulting for businesses and individuals. Our team of highly experienced accountants
More informationWe provide leading educational content to over 500,000+ active traders and over 5,000+ premium members with new traders joining every single day.
Hello! First, I d like to Welcome you to the Warrior Trading Community. As you may already know, Warrior Trading has prospered as one of the largest communities of active day traders and investors in the
More informationMONEY MATTERS. Put money back in your pocket with the Earned Income Tax Credit Learn how inside!
MONEY MATTERS Put money back in your pocket with the Earned Income Tax Credit Learn how inside! Citi and our community partners across the country support many of the 26 million Americans that received
More informationThe Community Development Financial
Community Development Financial Institutions Fund By Shannon Ross, Director, Government Relations, Housing Partnership Network Administering agency: U.S. Department of the Treasury (Treasury) Year program
More informationEmpowering employees with Advice Access
RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Empowering employees with Advice Access According to a report, employees who enroll in 401(k) managed accounts are more likely to have greater success
More informationGerry McCaughey President and Chief Executive Officer Annual General Meeting March 1, 2007 Calgary, Alberta
Gerry McCaughey President and Chief Executive Officer Annual General Meeting March 1, 2007 Calgary, Alberta Check against delivery Good morning Thank you for joining us in Calgary for CIBC s Annual General
More informationA SIMPLE GESTURE C H U R C H E S E N D I N G H U N G E R I N G R E E N S B O R O
A SIMPLE GESTURE C H U R C H E S E N D I N G H U N G E R I N G R E E N S B O R O ENGAGE YOUR CHURCH TO END HUNGER Thank you so much for partnering with A Simple Gesture! Your help will ensure that local
More informationCDFI Certification. A Pathway to Growth and Impact
CDFI Certification A Pathway to Growth and Impact CDFI Fund Basics Established by Congress 1994 Federation and CDCUs instrumental in founding CDFIs include regulated and unregulated institutions that meet
More informationEnjoy Retirement In Your Dream Home HOME EQUITY CONVERSION MORTGAGE FOR PURCHASE GUIDE
Enjoy Retirement In Your Dream Home HOME EQUITY CONVERSION MORTGAGE FOR PURCHASE GUIDE At TowneBank Mortgage, we recognize the unique financial needs of the senior community. A Home Equity Conversion
More informationWhat is your ideal future?
What is your ideal future? What We Do We are committed to helping individuals and institutions preserve their hard-earned capital and pursue steady, wise growth. Investments We create an ideal portfolio
More informationFacing the Challenge of Poverty in York. Update 26 June 2013
Facing the Challenge of Poverty in York Update 26 June 2013 Last WOW meeting Highlighted the need for action on poverty in York 13,795 York people live in the 20% most deprived areas in the country with
More informationPROTECTING TOMORROWS. 2017: Year in Review ADMIN
PROTECTING TOMORROWS 2017: Year in Review ADMIN.1248.05.16 Tracing its roots back more than 110 years, Protective Life Corporation has always remained true to its mission we are Protective. We are going
More informationCOMPANY PROFILE. Passion. Progress. for
COMPANY PROFILE Passion for Progress COMPANY OVERVIEW Pakistan Microfinance Investment Company Limited (PMIC) is a national-level apex institution for microfinance providers in the country. PMIC was established
More informationAdvisory Services. Introducing
Introducing Your Pension. Our Promise. Advisory Services A new level of service There will come a point when you will face a major pension decision: you have past service you are considering purchasing,
More informationPUTTING YOUR INNOVATION IN THE SPOTLIGHT
PUTTING YOUR INNOVATION IN THE SPOTLIGHT EFMA ACCENTURE INNOVATION IN INSURANCE AWARDS An Insurance Innovation Executive Board Meeting Update AWARDS AT A GLANCE Launched in 2016 to recognize and promote
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationNFP Executive Benefits
NFP Executive Benefits NFP Executive Benefits ranked in the top five providers in four out of six categories in the 2011 PLANSPONSOR Buyer s Guide. NFP Executive Benefits The right solution for your company
More informationMedicare Supplement Insurance Helps with the High Cost of Healthcare
Medicare Supplement Insurance Helps with the High Cost of Healthcare Understanding Medicare According to the U.S. Government site for Medicare 1, Medicare is the federal health insurance program for people
More information