California Financial Literacy Month Blog http://caflm.blogs.ca.gov April is Financial Literacy Month! Financial education news, programs & services, events, resources & more... Mon, 27 Jun 2016 18:31:28 +0000 en-US hourly 1 CalHFA: Final Week For Free Homebuyer Education http://caflm.blogs.ca.gov/2016/06/27/calhfa-final-week-for-free-homebuyer-education/ Mon, 27 Jun 2016 18:31:28 +0000 http://caflm.blogs.ca.gov/?p=5456 Final Week For Free Homebuyer Education

 

CalHFA is celebrating National Homeownership Month by offering its homebuyer education course for free until June 30. Visit our homebuyer education page, and get signed up for the five-hour course.

Homebuyer education certificates are good for a full year, so whether you are buying now or a year from now, . . . → Read More: CalHFA: Final Week For Free Homebuyer Education]]> Final Week For
Free Homebuyer Education

 

Free online homeowner educationCalHFA is celebrating National Homeownership Month by offering its homebuyer education course for free until June 30. Visit our homebuyer education page, and get signed up for the five-hour course.

Homebuyer education certificates are good for a full year, so whether you are buying now or a year from now, you will be ready!

 

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World Elder Abuse Awareness Day is June 15 http://caflm.blogs.ca.gov/2016/06/15/world-elder-abuse-awareness-day-is-june-15/ Wed, 15 Jun 2016 16:20:41 +0000 http://caflm.blogs.ca.gov/?p=5453 About | Tools & Tips<!– | Get Involved–> | Take Action | Events | News

Millions of older persons are abused, neglected, and exploited. Once a year on June 15, communities and municipalities around the world plan activities and programs to recognize World Elder Abuse Awareness Day (WEAAD). It’s . . . → Read More: World Elder Abuse Awareness Day is June 15]]> World Elder Abuse Awareness Day is June 15 ‪#‎WEAAD2016

About | Tools & Tips<!– | Get Involved–> | Take Action | Events | News

Millions of older persons are abused, neglected, and exploited. Once a year on June 15, communities and municipalities around the world plan activities and programs to recognize World Elder Abuse Awareness Day (WEAAD). It’s an opportunity to share information and spread awareness about abuse, neglect, and exploitation in later life. Everyone can make a difference, but together, we can unite as one nation. Take a stand against elder abuse!

Here are 12 things anyone can do to prevent elder abuse! Let’s make the world a better place together!

Is it a scam? There are many scams than can ensnare even savvy consumers. Many are designed specifically to target seniors. This guide will help you learn to recognize common warning signs of scams and simple steps that you can take to protect yourself.

 

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California Real Estate Educators Conference – Northern California http://caflm.blogs.ca.gov/2016/05/05/california-real-estate-educators-conference-northern-california/ Thu, 05 May 2016 15:34:09 +0000 http://caflm.blogs.ca.gov/?p=5444 California Real Estate Educators Conference – Northern California

Certificate of Recognition for conducting mortgage education workshops presented to Carol Jensen, Director, California Community College Real Estate Education Center

DBO

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Friday, April 22, 2016 – DoubleTree by Hilton, Brisbane, CA

Hosted by the California Community College Real Estate Education Center

City College of San Francisco, Downtown . . . → Read More: California Real Estate Educators Conference – Northern California]]> California Real Estate Educators Conference – Northern California

CCREEC Conference April 2016Certificate of Recognition for conducting mortgage education workshops presented to Carol Jensen, Director, California Community College Real Estate Education Center

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DBO

DBO

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Friday, April 22, 2016 – DoubleTree by Hilton, Brisbane, CA

Hosted by the California Community College Real Estate Education Center

City College of San Francisco, Downtown Campus, 88 Fourth Street, Room 324, San Francisco, CA 94103

 Speakers

  • Carol Jensen, Director CCC Real Estate Education Center
  • Shelly Wilson, CalBRE Manager of Education, Research & Examination Programs
  • Jamelia Carson, College of Marin, CCCO C-ID Real Estate Disciple Group
  • Dorthe Sejling & Elsebeth Pedersen, Copenhagen Business Academy
  • Lois Kadosh, Real Estate Broker and Educator
  • Sean Bellach, Government Affairs Field Representative, California Association of REALTORS®
  • Alana Golden, California Bureau Business Oversight
  • Christine Cerda, CoreTalk
  • Oscar Wei, Economist, California Association of REALTORS®

The California Community Colleges Real Estate Education Center exists to serve all of the community colleges in California by providing instructional support and services to instructors of Real Estate. The Center also oversees the distribution of scholarship funds from the Real Estate Endowment Fund to community college students.

The Center is responsible for producing Real Estate Instructor and Student guides on most of the Real Estate subjects taught at community colleges statewide. Instructor guides are available to Real Estate instructors and Student guides are provided at cost to be sold to students through their community college bookstores.

In addition, the Center is responsible for conducting three Real Estate Education Conferences for Real Estate Educators in California. One is held in the San Francisco Bay area, one in the Los Angeles area, and the third in the San Diego area.

For more information, contact Carol Jensen, Director, California Community College Real Estate Education Center, via email REEC@ccsf.edu or visit http://cccreec.com

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Teach Children to Save Day http://caflm.blogs.ca.gov/2016/05/04/5432/ Wed, 04 May 2016 16:40:47 +0000 http://caflm.blogs.ca.gov/?p=5432

 Teach Children to Save Day was on April 29, 2016 The Department of Business Oversight (DBO) participated in the annual Teach Children to Save Day on Friday, April 29, 2016. Alana Golden, Director for Education and Outreach read a book by It’s a Habit, Sammy’s Big Dream and Sammy’s Big Day, with questions and answers followed by a . . . → Read More: Teach Children to Save Day]]>

 Teach Children to Save Day was on April 29, 2016
The Department of Business Oversight (DBO) participated in the annual Teach Children to Save Day on Friday, April 29, 2016.
Alana Golden, Director for Education and Outreach read a book by It’s a Habit, Sammy’s Big Dream and Sammy’s Big Day, with questions and answers followed by a savings poster activity with a 2nd grade classroom in Sacramento, CA.
TCTS April 2016 serious sm
TCTS April 2016 Book Reading
TCTS Poster activity 2

 

TCTS Poster Activity

Teach Children to Save (TCTS) is a national program sponsored by the ABA Foundation that organizes banker volunteers to help young people develop a savings habit early in life.

For information on how to participate, visit http://www.aba.com/Engagement/Pages/teachchildrentosave.aspx.

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Photo Gallery: Annual California Financial Literacy Month Resource Fair – State Capitol http://caflm.blogs.ca.gov/2016/04/27/photo-gallery-annual-california-financial-literacy-month-resource-fair-state-capitol/ Wed, 27 Apr 2016 17:25:56 +0000 http://caflm.blogs.ca.gov/?p=5388 Photo Gallery: Annual California Financial Literacy Month Resource Fair – State Capitol

Pictured left to right: California State Controller Betty Yee; Assemblymember Matthew Dababneh; and DBO Commissioner Jan Lynn Owen

Thank you Assemblymember Jim Cooper (pictured in center) for stopping by!

Ed Gill, Senior Deputy Commissioner, DBO

Attendees visiting exhibitor tables

Inside the California Community Colleges Mobile . . . → Read More: Photo Gallery: Annual California Financial Literacy Month Resource Fair – State Capitol]]> Photo Gallery: Annual California Financial Literacy Month Resource Fair – State Capitol

Pictured left to right: California State Controller Betty Yee; Assemblymember Matthew Dababneh; and DBO Commissioner Jan Lynn Owen

Pictured left to right: California State Controller Betty Yee; Assemblymember Matthew Dababneh; and DBO Commissioner Jan Lynn Owen

Thank you Assemblymember Jim Cooper for stopping by!

Thank you Assemblymember Jim Cooper (pictured in center) for stopping by!

Ed Gill, Senior Deputy Commissioner, DBO

Ed Gill, Senior Deputy Commissioner, DBO

Attendees visiting exhibitor tables

Attendees visiting exhibitor tables

Inside the California Community Colleges Mobile Computer Lab

Inside the California Community Colleges Mobile Computer Lab

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CalHFA and Keep Your Home California

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Annual California Financial Literacy Month Resource Fair at the State Capitol a Success! http://caflm.blogs.ca.gov/2016/04/27/annual-california-financial-literacy-month-resource-fair-at-the-state-capitol-a-success/ Wed, 27 Apr 2016 16:19:45 +0000 http://caflm.blogs.ca.gov/?p=5382 Annual California Financial Literacy Month Resource Fair at the State Capitol a Success!

Thank you to Assemblymember Matthew Dababneh for sponsoring the event.

Thank you to California State Controller Betty Yee for participating.

Thank you to all of the exhibitors and attendees.

To partner with DBO’s Education and Outreach Office, email Outreach@dbo.ca.gov.

. . . → Read More: Annual California Financial Literacy Month Resource Fair at the State Capitol a Success!]]> Annual California Financial Literacy Month Resource Fair at the State Capitol a Success!

Thank you to Assemblymember Matthew Dababneh for sponsoring the event.

Thank you to California State Controller Betty Yee for participating.

Thank you to all of the exhibitors and attendees.

To partner with DBO’s Education and Outreach Office, email Outreach@dbo.ca.gov.

Controller Betty Yee Assemblymember Matt Dababneh Jan

Pictured left to right: State Controller Betty Yee; Assemblymember Matthew Dababneh, DBO Commissioner Jan Lynn Owen

The importance of financial literacy and financial education efforts were highlighted at the annual California Financial Literacy Month Resource Fair at the State Capitol on Tuesday, April 26. Booths and representatives from State agencies, non-profit organizations and financial institutions provided free materials and information on money management, saving and investing, planning for retirement, buying a home, using credit and managing debt, and avoiding financial scams and fraud.

This year’s event featured the Community College Foundation eBus mobile computer lab.

Safely navigating today’s rapidly-changing, often complex financial system can be a daunting task. By empowering consumers to make informed decisions about how to spend and invest their money, financial literacy helps ensure more California families prosper.

Sponsors

Assemblymember Matthew Dababneh

California State Controller Betty Yee

Exhibitors

Bank of America

Bank of the West

Bank on Sacramento

Brandman University

CA Board of Accountancy

CA Board of Equalization

CA Bureau of Real Estate

CA Contractors State Licensing Board

CA Dept. of Community Services and Development

CA Dept. of Insurance

CA Dept. of Motor Vehicles

CA Franchise Tax Board

CA Professional Fiduciaries Bureau

CA State Controller’s Office

CA Treasurer’s Office

Cal PERS

CalCPA/Jump$tart Coalition

CalHFA/Keep Your Home CA

California Community Colleges Real Estate Education Center

CHOC

ClearPoint CCS

Disability Resource Agency for Independent Living (DRAIL)

Golden 1 Credit Union

IRS

McGeorge School of Law (Legal clinic)

Metro Chamber’s Capital Region Small Business Development Center

Opening Doors

Sacramento Public Library

SAFE Credit Union

Savings Plus

ScholarShare

Social Security Administration

Transamerica Financial Advisors

Travis Credit Union

UC Davis Extension

United Way California Capitol Region

Wells Fargo Hands on Banking

 

 

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Jump$tart with Biz Kids$ – Downloadable Curriculum for Teachers, Parents http://caflm.blogs.ca.gov/2016/04/27/jumptart-with-biz-kids-downloadable-curriculum/ Wed, 27 Apr 2016 16:04:59 +0000 http://caflm.blogs.ca.gov/?p=5375

Jump$tart with  Biz Kids$ -Teachers of financial literacy, lend us your ears!

Download the Full Curriculum

Financial LiteracyChapter 1Episode 301 clips » Your Financial FutureChapter 2Episode 106 clips » Income and CareersChapter 3Episode 210 clips » Saving and InvestingChapter 4Episode 118 clips » Understanding Your PaycheckChapter 5Episode 125 clips » Understanding Income and ExpensesChapter 6Episode 123 clips » . . . → Read More: Jump$tart with Biz Kids$ – Downloadable Curriculum for Teachers, Parents]]>
CA JumpstartBizKid$

Jump$tart with  Biz Kids$ -Teachers of financial literacy, lend us your ears!

Download the Full Curriculum

 
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FTC Escrow Alert! Scammers Phish for Mortgage Closing Costs http://caflm.blogs.ca.gov/2016/04/26/scammers-phish-for-mortgage-closing-costs/ Tue, 26 Apr 2016 15:04:14 +0000 http://caflm.blogs.ca.gov/?p=5372 FTC Escrow Alert!

Scammers phish for mortgage closing costs

Original post by the FTC

Buying a home is exciting. You saved for the down payment, scheduled the move, and are dreaming of planting new roots. Closing is right around the corner… unless a scammer gets your settlement fees first.

The Federal Trade Commission and the National Association of Realtors® are . . . → Read More: FTC Escrow Alert! Scammers Phish for Mortgage Closing Costs]]> FTC Escrow Alert!

Scammers phish for mortgage closing costs

Original post by the FTC

Buying a home is exciting. You saved for the down payment, scheduled the move, and are dreaming of planting new roots. Closing is right around the corner… unless a scammer gets your settlement fees first.

The Federal Trade Commission and the National Association of Realtors® are warning home buyers about an email and money wiring scam. Hackers have been breaking into some consumers’ and real estate professionals’ email accounts to get information about upcoming real estate transactions. After figuring out the closing dates, the hacker sends an email to the buyer, posing as the real estate professional or title company. The bogus email says there has been a last minute change to the wiring instructions, and tells the buyer to wire closing costs to a different account. But it’s the scammer’s account. If the buyer takes the bait, their bank account could be cleared out in a matter of minutes. Often, that’s money the buyer will never see again.

If you’re buying a home and get an email with money-wiring instructions, STOP. Email is not a secure way to send financial information, and your real estate professional or title company should know that. If it’s a phishing email, report it to the FTC.

Here are some ideas to help you avoid phishing scams:

  • Don’t email financial information. It’s not secure.
  • If you’re giving your financial information on the web, make sure the site is secure. Look for a URL that begins with https (the “s” stands for secure). And, instead of clicking a link in an email to go to an organization’s site, look up the real URL and type in the web address yourself.
  • Be cautious about opening attachments and downloading files from emails, regardless of who sent them. These files can contain malware that can weaken your computer’s security.
  • Keep your operating system, browser, and security software up to date.

Learn more about protecting yourself from phishing and what to do if your email is hacked. If you gave your information to a scammer, visit IdentityTheft.gov.

FTC Blog Topics:

Homes & Mortgages

 

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Credit Union Partners in Education (CU-PIE) Annual Speech Competition – “Credit Union Strong” http://caflm.blogs.ca.gov/2016/04/25/credit-union-partners-in-education-cu-pie-annual-speech-competition-credit-union-strong/ Mon, 25 Apr 2016 17:19:22 +0000 http://caflm.blogs.ca.gov/?p=5353 Credit Union Partners in Education (CU-PIE)

“Credit Union Strong”

Annual Speech Competition

On Thursday, April 21, 2016 the Credit Union Partners in Education (CU-PIE) hosted their annual speech competition. Representatives from various Sacramento Greater Area credit unions write and present a speech based on the year’s theme, Credit Union Strong.  Nine speeches made it to the finals and were presented, each . . . → Read More: Credit Union Partners in Education (CU-PIE) Annual Speech Competition – “Credit Union Strong”]]> Credit Union Partners in Education (CU-PIE)

“Credit Union Strong”

Annual Speech Competition

On Thursday, April 21, 2016 the Credit Union Partners in Education (CU-PIE) hosted their annual speech competition. Representatives from various Sacramento Greater Area credit unions write and present a speech based on the year’s theme, Credit Union Strong.  Nine speeches made it to the finals and were presented, each employing different techniques to relay the importance of saving and what Credit Union strong means. The speakers touched on how credit unions help their members obtain financial well-being.

 Congratulations!

First Place

Kara Johnson, SAFE Credit Union

2016 Credit Union Speech Contest Winner with 2015 Winner

  Kara Johnson, SAFE Credit Union, pictured on right with Last Year’s First Place Winner Kayshia Tagumasi, SAFE Credit Union

2016 Credit Union Speech Contest Winners

Left to right: Third Place Winner Javier Huerta, Golden 1;  First Place Winner Kara Johnson, SAFE Credit Union; and Second Place Winner Anthony Lombardi, Golden One Credit Union

Second Place

Anthony Lombardi, Golden One Credit Union

Third Place

Javier Huerta, Golden 1

Honorable Mentions

Clirissa L. Smith

Garrett Garcia

Lydia Leversee

Kim Hutton

Lena Oselsky

Pavan Sandhu

Judges

Alana Golden, California Department of Business Oversight

Mark Klinkert, California and Nevada Credit Union League

George Jarosik, DTM, District 39 Toastmasters

Event Master of Ceremonies

Kevin Smith-Fagan, KVIE Public Television

The annual event gives future leaders a forum to share original ideas and to remind credit unions of our shared heritage of improving the well-being of our communities.

CU-PIE is a non-profit organization which has been actively supporting financial literacy for more than 20 years. Members of CU-PIE consist of credit union employees and volunteers. CU-PIE offers financial institutions, non-profits, community leaders and other professionals the necessary training and resources to help them successfully deliver financial literacy presentations to youth and adults in our community. In 2013, CU-PIE partnered with United Way and the Bank On California program to conduct training sessions for various organizations assisting residents in taking control of their financial future.

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Kayshia Tagumasi, SAFE Credit Union, was the 2015 winner.

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Delorean Dixon, Golden 1 Credit Union was the 2014 winner.

CU-PIE

Credit Union Speech Contest

Speech Competition, circa 1960

Credit Unions: To join CU-PIE or learn more about opportunities on the Executive Committee,  contact Carrie Featherston or Elise Schexnayder.

Carrie Featherston • Branch Manager – Auburn • OE Federal Credit Union • (530) 889-2969

Elise Schexnayder • Financial Education Coordinator  SAFE Credit Union •  Community Banking  (916) 971-2530

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Annual Financial Literacy Event at State Capitol Highlights Programs and Resources – Featuring Community College Foundation eBus mobile computer lab http://caflm.blogs.ca.gov/2016/04/11/annual-financial-literacy-event-at-state-capitol-highlights-programs-and-resources-featuring-community-college-foundation-ebus-mobile-computer-lab%ef%bb%bf/ Mon, 11 Apr 2016 17:53:40 +0000 http://caflm.blogs.ca.gov/?p=5350 Annual Financial Literacy Event at State Capitol Highlights Programs and Resources

The importance of financial literacy and financial education efforts will be highlighted at the annual California Financial Literacy Month Resource Fair at the State Capitol. Booths from the Department of Business Oversight and other State agencies and organizations will provide free materials and information on how . . . → Read More: Annual Financial Literacy Event at State Capitol Highlights Programs and Resources – Featuring Community College Foundation eBus mobile computer lab]]> Annual Financial Literacy Event at State Capitol Highlights Programs and Resources

The importance of financial literacy and financial education efforts will be highlighted at the annual California Financial Literacy Month Resource Fair at the State Capitol. Booths from the Department of Business Oversight and other State agencies and organizations will provide free materials and information on how to better manage our finances, save, invest safely, use credit, manage debt, and avoid financial scams and fraud.

What: California Financial Literacy Month Resource Fair

Who: California Department of Business Oversight and other State and local agencies and community organizations*

Featuring the Community College Foundation eBus mobile computer lab.

When: Tuesday, April 26 from 11 am to 1 pm

Where: State Capitol, North Steps (L St.)

Safely navigating today’s rapidly-changing, often complex financial system can be a daunting task. By empowering consumers to make informed decisions about how to spend and invest their money, financial literacy helps ensure more California families prosper.

April is California Financial Literacy Month. Public agencies and private organizations across the state will reach out to communities and give consumers of all ages tools to build better lives and stronger financial futures.

*Other participating agencies and organizations include:

  • Bank On Sacramento
  • California Board of Accountancy
  • California Board of Equalization
  • California Controller’s Office
  • California Department of Insurance
  • California Treasurer’s Office
  • California Housing Finance Agency (CalHFA)
  • ClearPoint Credit Counseling
  • Contractor’s State Licensing Board
  • Keep Your Home California
  • CalCPA
  • Golden 1 Credit Union
  • McGeorge School of Law – Legal Clinic
  • Savings Plus
  • Scholarshare
  • Social Security Administration
  • SAFE Credit Union
  • United Way California Capitol Region
  • Wells Fargo Bank
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