dollarwise resource book, 2007-08

resource book

building strong foundations

FOUNDING SPONSOR

THE UNITED STATES CONFERENCE OF MAYORSCOUNCIL FOR THE NEW AMERICAN CITY

2007_08

The United StatesConference of Mayors

Douglas H. PalmerMayor of TrentonPresident

Manuel A. DiazMayor of MiamiVice President

Tom CochranExecutive Director

1620 Eye Street NWWashington, D.C. 20006

202.293.7330 | Fax 202.293.2353usmayors.org

Council for the New American City2007 MembersAmerican Institute of ArchitectsAmerican Management ServicesCherokee Investment Partners, LLCCountrywide Financial CorporationDuPontInitiative for a Competitive Inner CityInternational Council of Shopping CentersMortgage Bankers AssociationNational Association of Home BuildersNational Association of REALTORSNational Urban LeagueNationwide Retirement SolutionsSocial Compact

Kwame M. KilpatrickMayor of DetroitChair, Council for the New American City

Dave GattonDirector, Council for the New American City

Founding Sponsor of the Dollar Wi$e CampaignCountrywide Financial Corporation

Cosponsor of Dollar Wi$e Week 2007Citigroup

MAYORS NATIONAL DOLLAR WI$E CAMPAIGN

RESOURCE BOOK | 2007_08

welcomeWhat is the Resource Book?

The Dollar Wi$e Resource Book has been compiled to assist mayors, city

staff, and local community leaders implement local financial education

programs. Through the use of this booklet, city officials can find low-cost

or free financial education curriculum and resources to develop programs

that meet the needs of their citizens.

Using this Resource Book

SECTION 1 of the Resource Book is composed of five sections that focus on

various target audiences, each of which face different issues and for whom

particular curriculum materials have been developed. These audiences are:

Homebuyers

Students

Credit

General Consumers

Other Target Audiences

SECTION 2 of the Resource Book lists items by provider.

For all items listed, the Dollar Wi$e Resource Book provides contact

information, Web links, and descriptions of how each item can be used

to build curriculum for financial education programs that focus on a

specific issue or group of citizens. Many government agencies, nonprofits,

and corporations provide comprehensive educational resources that are

readily available for no or little cost.

Updates & feedback

We welcome any feedback you can offerpraise, criticism, suggestions,

and new ideason this publication. Additionally, please notify the Mayors

National Dollar Wi$e Campaign if it appears that a listing in this book is

incorrect or outdated. Thank you.

contents

RESOURCES ORGANIZED BY

TARGET AUDIENCES E C T I O N 1 | page 1

RESOURCES ORGANIZED BY

PROVIDERS E C T I O N 2 | page 23

Countrywide Financial Corporationpage 24

Federal Reserve Systempage 26

InCharge Education Foundation, Inc.page 33

Mortgage Bankers Associationpage 35

National Association of REALTORSpage 37

National Urban Leaguepage 39

Nationwide Retirement Solutionspage 40

i

Citigrouppage 23

HOMEBUYERSpage 3

STUDENTSpage 10

CREDITpage 11

GENERAL CONSUMERSpage 13

OTHER TARGET AUDIENCES

page 17

2007_08 resource book ii

TARGET AUDIENCERESOURCES ORGANIZED BY

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A Consumers Guide to Mortgage Lock-Insfederal reserve system | Explains mortgage lock-ins, including costs and options. Provides consumer checklist of questions to ask when shopping for a loan.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/lockins

A Consumers Guide to Mortgage Settlement Costsfederal reserve system | Explains the fees associated with mortgage settlement. Provides information about the settlement process, a cost worksheet, and sources for additional information.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/settlement

Consumer Handbook on Adjustable-Rate Mortgages (ARM)Gua para el consumidor sobre hipotecas a tasa ajustablefederal reserve system | Basic information on an important and complex mortgage option.

availability English and Spanish

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/arms/arms_english.htm www.federalreserve.gov/pubs/arms/arms_spanish.htm

The Countrywide Home Buyers Clubcountrywide financial corporation | The House America Counseling Center offers the Countrywide Home Buyers Club. It is a no-cost program to assist customers who are determined and committed to buying a home. Customers are provided education in budgeting, credit counseling, and other steps that may be necessary to help prepare for homeownership.

availability Brochure and education materials available in English or Spanish 50 complimentary copies per city

contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish)

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4An Easy Guide to Buying a Homecountrywide financial corporation | An informational booklet for potential homebuyers on the steps to purchasing a home. Tips include how to find a real estate professional, common real estate terms, types of loans, and how to make an offer on a property.

availability Booklet available in English or Spanish 50 complimentary copies per city

contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish) www.wehouseamerica.com

FHA Insured Mortgagesnational association of realtors | The National Association of REALTORS and the Federal Housing Administration created an educational brochure titled FHA Insured Mortgages, which is designed for REALTORS and consumers. The brochure lays out the benefits and changes made to the FHA mortgage program. The brochure is also a user-friendly guide to other resources from FHA and the Department of Housing and Urban Development.

availability Mayors can receive 10 copies each free of charge, or purchase more brochures at cost through the Realtor.org Store at www.realtors.org

contact Wendy Penn, Housing Opportunity Program 202.383.7504 | [email protected] www.realtor.org/government_affairs/housing_opportunity/resource_

center/fha_mortgages.html

H.O.M.E. (Home Ownership Mortgage Education)countrywide financial corporation | Countrywides H.O.M.E. (Home Ownership Mortgage Education) is a comprehensive consumer financial education program designed to help individuals make more informed financial decisions, and to arm them with the knowledge they need to achieve and maintain home ownership. H.O.M.E. gives consumers easy-to-understand educational materials and tools that can help them learn how to develop a budget and savings plan, build their credit, shop for a loan, and maintain a home once theyre in it. The website provides articles, worksheets, video clips, quizzes, and printable checklists to help consumers when they leave the site and begin the actual home-buying process. Portions of the H.O.M.E. program have been produced in cooperation with the National Foundation for Credit Counseling (NFCC) and are based in part on the NFCC publication Keys to Home Ownership, National Foundation for Credit Counseling.

contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish) www.HomeByCountrywide.com

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Home Affordability Chartcountrywide financial corporation | A calculator to determine how much you can afford to pay for a home based on your yearly income, the amount of your down payment, and your interest rate. To access the calculators, please visit the Web site below.

availability Chart available in English only 50 complimentary copies per city

contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish) www.countrywide.com/calculators/CalcCombined.asp

Home Mortgages:Understanding the Process and Your Right to Fair Lendingfederal reserve system | Guidance on shopping for a home mortgage, making an application, and understanding your rights to fair lending.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/mortgage/morbro.htm

House America Counseling Centercountrywide financial corporation | Toll-free number potential homebuyers can call for home buyer education information, loan pre-qualification, credit analysis, and budget counseling through the Countrywide Home Buyers Club Program.

contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish) www.wehouseamerica.com/resource.html

How to Avoid Predatory Lendingnational association of realtors | The National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled How to Avoid Predatory Lending to help consumers identify the warning signs of predatory loans. It also gives tips to consumers on how to avoid them, including questions they should ask when shopping for a loan.



center/predatory_lending.html

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6InCharge Guide to Homeownership incharge education foundation, inc. | The InCharge Guide to Homeownership is a practical, easy-to-understand guidebook for potential homebuyers who have little or no experience with homeownership. This manual is designed for easy self-paced study. Readers start with a pre-test to gauge their level of knowledge about owning a home, then they move into the various important topics about the home buying process.

availability English and Spanish For up to 20 free books, call 407.532.5602

contact Michelle Serrano | 407.532.5602

Looking for the Best Mortgage: Shop, Compare, NegotiateBuscando la hipoteca ms favorable: Compare, Verifique, Negociefederal reserve system | Guidance on identifying all the costs of your mortgage and negotiating the best loan terms.


contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/mortgage/mortb_1.htm www.federalreserve.gov/pubs/mortgage/MortB_1_Spanish.htm

MBAs Home Loan Learning Centermortgage bankers association | A Web site that provides consumers with information and resources necessary to learn about the home buying process. It offers the consumer an explanation about how the home buying process works; home buying tips and online links to home buying guides. The site also provides an explanation of consumers rights, contains calculators to help consumers make decisions about what type of mortgage they can obtain and afford and definitions of different mortgage products. It offers the consumer a free online course entitled Consumer Homebuyer Education: Home Buying Basics that covers such topics as budget development, understanding credit, selecting a home, evaluating mortgage products, preparing a mortgage application, procedures at closing, and how to avoid predatory lenders. A free seminar is also available for consumers to listen to and participate in a presentation delivered via the telephone about the importance of good credit and how to better improve their credit score. The Home Loan Learning Center is a tool that you can use to educate your constituents about homeownership opportunities in your communities. Web site and course in English and Spanish

contact Paul Richman | 202.557.2899 | [email protected] www.homeloanlearningcenter.com

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MBAs Resource Center for Expanding Homeownershipmortgage bankers association | The Resource Center for Expanding Homeownership is a Web site designed to provide industry professionals with resources that will assist them in meeting the needs of emerging market borrowers across the country. Lenders, other real estate finance professionals, nonprofit agencies and government agencies in your community can find information about the following areas:

Consumer Education, a tool kit for successfully conducting homebuyer fairs and other consumer education efforts.Best Practices that provide models of successful partnerships.Partnership Opportunities providing directories of potential partners including public, private and nonprofit agencies involved in housing at the local, state and national level.Products and Programs providing innovative approaches to expanding homeownership.Research Resources and Library which assist in assessing market opportunities.

contact Paul Richman | 202.557.2899 | [email protected] www.mortgagebankers.org/homeownership

Putting Your Home Loan on the Line Is Risky BusinessUtilizar su hogar como garanta para un prstamo es arriesgadofederal reserve system | Guidance on avoiding potential borrowing pitfalls, including high-cost predatory home loans, and tips for getting the best financing deal possible. Includes a worksheet to use in shopping for a home loan.


contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/riskyhomeloans www.federalreserve.gov/pubs/riskyhomeloans/riskyspanish.htm

Specialty Mortgages: What Are the Risks and Advantages?national association of realtors | The National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled Specialty Mortgages: What are the Risks and Advantages? to help prospective buyers make an informed decision about the kind of home financing that is best for them. This brochure outlines for consumers the risks and advantages for nontraditional mortgages, including interest-only, payment option ARM, and 40-year mortgages.

availability In English and Spanish Mayors can receive 10 copies each free of charge, or purchase more

brochures at cost through the Realtor.org Store at www.realtors.org


center/specialty_mortgages.html

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8Stop Mortgage Fraud Consumer Education Campaignmortgage bankers association | A financial literacy program that gives consumers three important tools they can use to help prevent them from being subject to predatory lending practices:

A Borrowers Bill of Rights, which provides a detailed listing of consumer rights during the mortgage transaction from the first contact with a lender/broker to the closing of the loan.The Ten Warning Signs of Predatory Lending, which lists the 10 common warning signs of predatory lending. These signs include everything from being asked to leave signature lines blank to being encouraged to include false information on a loan application.Where to Report Suspected Predatory Lending, consumers can either visit the Web site or call 1.800.348.3931 to get information on what steps to take to file a complaint. Consumers calling the 800 number will receive a brochure that contains information also found on the Web site.

availability English, Spanish, and Arabic

contact Paul Richman | 202.557.2899 | [email protected] www.stopmortgagefraud.com

Traditional Mortgages: Understanding Your Optionsnational association of realtors | The National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled Traditional Mortgages: Understanding Your Options to assist consumers in making the best decision when considering 15- and 30-year and traditional adjustable-rate mortgages. This publication is also helpful to individuals considering options for tapping into the equity in their homes.



center/traditional_mortgages.html

What You Should Know about Home Equity Lines of CreditLo que usted debera saber sobre las lneas de crdito con garanta hipotecariafederal reserve system | Information on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan.


contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/equity/equity_english.htm www.federalreserve.gov/pubs/equity/equity_spanish.htm

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WOW Initiative with the Congressional Black Caucus Foundationmortgage bankers association | For minority homebuyerseducation and products from partners including MBA, Freddie Mac, HUD, and NUL. The program promotes homeownership as a means to obtain wealth by having equity in a home. Also has information on credit counseling from the National Foundation for Credit Counseling.

contact Paul Richman | 202.557.2899 | [email protected] www.cbcfinc.org/Economic%20Development/WOW/index.html

Your Personal Creditcountrywide financial corporation | An informational booklet for all consumers on credit, credit reports, and how credit is reported. It also includes information on how to dispute information on a credit report as well as sample correspondence.


contact House America Counseling Center 1.800.577.3732 (English) | 1.800.293.6316 (Spanish) www.wehouseamerica.com/documents/YourPersonalCredit.pdf

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TSThe Three Little Pigs: A Financial Fairy Talenationwide retirement solutions | Nationwide Retirement Solutions believes in retirement education for life. They are also very concerned about the statistics surrounding childrens financial education. Development of The Three Little Pigs: A Financial Fairy Tale is designed to be one step toward helping children build a natural curiosity about financial planning at an early age. Nationwide has adapted the well-known childrens fairy tale into a modern-day financial lesson that teaches children the importance of balancing their spending, saving and sharing. Spending Pig, Stingy Pig, Smart Pig and Mr. B.B. Wolfe are the stars in the story that follows the 3 pigs as they manage and mismanage their money. The full-color storybook, workbook full of suggested activities and other information can be downloaded from the Web site. These materials can be shared in classrooms, with youth groups, or as part of the curriculum for Take a Child to Work Day. In recognition of the excellence of The Three Little Pigs program, the U.S. Conference of Mayors and Nationwide Retirement Solutions received a 1st Place 2005 Eddy Award from Pensions & Investments/Workforce Management.

contact Louie Watson | 614.854.8895 | [email protected] www.nationwidekids.com

Young Money Magazineincharge education foundation, inc. | Young Money delivers a unique blend of money, business, and lifestyle that informs, engages and inspires its 18- to 24-year-old audience. A recognized brand at several major college campuses across the country, Young Money leads the market as an authority for young adults through a bi-monthly magazine, colorful Web site, and exciting live on-campus events.

availability For up to 20 free one-year magazine subscriptions, call 1.888.436.8714

contact Michelle Serrano | 407.532.5602 www.youngmoney.com


CREDIT

Choosing a Credit Cardfederal reserve system | Describes credit card features and costs, including information in credit card solicitations and applications. Provides guidance on how to file a complaint.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/shop

Citi Cards Credit-ED citigroup | The Credit-ED Web site offers college students the essential resources they need for lifelong sound financial health. Click on Credit-ED Administrator for facilitator materials.

availability Also available in Spanish

online www.students.usecreditwisely.com

Consumer Handbook to Credit Protection Lawsfederal reserve system | Explains how to shop for and obtain credit, how to maintain a good credit rating, how to dispute unfair credit transactions, and how to resolve billing errors.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/consumerhdbk

CreditBoosterincharge education foundation, inc. | The CreditBooster workbook is designed to provide consumers with information on credit scoring, credit problems, credit repair and related topics. Users learn about the importance of their credit score and how the score is determined. CreditBooster also shows readers how to order credit reports from credit bureaus, understand the information, find and fix errors, and take steps to rebuild damaged credit.

availability For up to 20 free workbooks, call 407.532.5602

contact Michelle Serrano | 407.532.5602

Credit Guidefederal reserve system | federal reserve bank of chicago | This guide is designed to help you get a good start, avoid hazards, and know where to go and what to do if you have problems when using credit.

contact Jeff Smith | 202.452.2955 | [email protected] www.chicagofed.org/consumer_information/credit_guide.cfm

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How to Establish, Use, and Protect Your Creditfederal reserve system | federal reserve bank of philadelphia | Credit is an important financial tool, but it can also be dangerous, leading people into debt far beyond their ability to repay.

contact Jeff Smith | 202.452.2955 | [email protected] www.philadelphiafed.org/consumers/establish.html

Use Credit Wiselycitigroup | Use Credit Wisely is part of Citi Cards long-standing commitment to credit education and provides consumers with the latest resources to help them achieve peak financial health. The site includes information on topics such as Gaining Financial Control and Fraud Prevention. It also includes calculators to help plan a budget and links to other helpful information.

online www.usecreditwisely.com | www.cuidatucredito.com (Spanish)

Your Credit Reportfederal reserve system | federal reserve bank of san francisco | It used to be that a retailer or bank would have to call each creditor you listed on an application form before they would decide to extend credit to you. Today they rely on credit reports, so its important for you to know what is in yours.

contact Jeff Smith | 202.452.2955 | [email protected] www.frbsf.org/publications/consumer/creditreport.html

Your Credit Rightsfederal reserve system | federal reserve bank of san francisco | You need to understand how credit is awarded or denied and what you can do if you are treated unfairly. The major laws that regulate credit are outlined in this brochure.

contact Jeff Smith | 202.452.2955 | [email protected] www.frbsf.org/publications/consumer/creditrights.html




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Bank Productsfederal reserve system | federal reserve bank of san francisco | Provides an overview of deposits, mutual funds, and annuities.

contact Jeff Smith | 202.452.2955 | [email protected] www.frbsf.org/publications/consumer/products.html

Building Wealthfederal reserve system | federal reserve bank of dallas | A beginners guide to securing your financial future.

availability Also in Spanish

contact Jeff Smith | 202.452.2955 | [email protected] www.dallasfed.org/ca/wealth

Citigroup Financial Education Programcitigroup | This Web site, www.financialeducation.citigroup.com, is managed and maintained by Citis Office of Financial Education. The Web site provides information on all of Citis financial education activities, resource materials, and supported programs. The following are other sites that can be accessed through this Web site:

Citigroups Financial Education SitesClick on Visit Our Sites to access free materials and additional Web sites on financial education.Citis Financial Education Information PortalClick the Citi Financial Education Information Portal to get answers to your money questions. The Citi Financial Education Information Portal is a collection of useful information from Citis most popular Web sites. The Portal provides advice on topics ranging from budgeting to planning for life events such as buying a home, saving for retirement, or saving for college.Financial Education CurriculumClick on Citigroups Curriculum & Facilitators Guide. Designed for almost any audience, the Citigroup Financial Education Programs Curriculum offers basic lessons in personal finances. The curriculum and accompanying facilitators guide are available in Spanish and English and can be used with audiences from students to senior citizens.

online www.financialeducation.citigroup.com

Consumer Action Handbookfederal citizen information center | pueblo, co 81009 | Offers tips on savvy banking, credit, investing, and much more.

availability Also in Spanish as Gua del Consumidor 2007

contact Federal Citizen Information Center | 202.501.1794 www.ConsumerAction.gov | www.consumidor.gov (Spanish)

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Consumer Information Catalogfederal citizen information center | pueblo, co 81009 | Over 15% of its free or low-cost publications focus on sound money management, saving, credit, and retirement planning.

availability Also offers many publications in Spanish

contact www.pueblo.gsa.gov

Credit and Charge Cardsfederal reserve system | federal reserve bank of san francisco | Explains the difference between credit cards and charge cards as well as disclosure information.

contact Jeff Smith | 202.452.2955 | [email protected] www.frbsf.org/publications/consumer/cards.html

Identity Theftfederal reserve system | federal reserve bank of boston | This booklet is designed to help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen.

contact Jeff Smith | 202.452.2955 | [email protected] www.bos.frb.org/consumer/identity

Investing for Successnational urban league | Workshops designed to strengthen investor awareness in the African-American community are presented by mutual fund industry professionals from Investment Company Institute member companies.

contact Claudia Mchunu | 212.558.5374 www.ici.org/i4s

Know Your Money Economic Empowerment Programnational urban league | Know Your Money, an economic empowerment program designed to teach African-American professionals ages 21-40 personal money management strategies, consists of a 3-class curriculum to help participants understand their attitudes about money, develop a realistic household budget, and manage everyday financial tools. The program is hosted by select national urban league Young Professional chapters each fall.

contact Nataki Goodall | 212.558.5464 | [email protected] www.nul.org/KYM

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Making Sense of Savingsfederal reserve system | Describes the various types of accounts available at depository institutions.

contact Jeff Smith | 202.452.2955 | [email protected]

Mind Your Finances e-Learningincharge education foundation, inc. | Mind Your Finances helps individuals and organizations tackle the problem of financial illiteracy. This award-winning program consists of seven independent learning modules, each focused on a specific aspect of personal finance such as goal setting, budgeting, credit card basics and credit reports.

availability For up to 500 free Web version user names and passwords, call 1.877.617.7989

contact Michelle Serrano | 407.532.5602 www.mindyourfinances.com

Mind Your Finances Workbooksincharge education foundation, inc. | For those seeking to achieve a higher quality of life, Mind Your Finances offers a fresh perspective on everyday family finances. Available through a series of booklets and a Web site, it provides practical, effective information on budgeting, managing cash flow, interpreting credit reports, using credit wisely, understanding bankruptcy and much more.

availability English and Spanish For up to 20 free workbooks, call 407.532.5602

contact Michelle Serrano | 407.532.5602 www.mindyourfinances.com

Paying for It: Checks, Cash, and Electronic Paymentsfederal reserve system | federal reserve bank of atlanta | This online brochure discusses various payment methods available to consumers, including cash, checks, and rapidly-expanding electronic payment methods. Readers can learn how each system works and the impact of technology. The brochure also provides information about the advantages, disadvantages, and uses of each method of payment, as well as the Federal Reserves role in the payment system.

availability Online only

contact Jeff Smith | 202.452.2955 | [email protected] www.frbatlanta.org

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Privacy Choices for Your Personal Financial Informationfederal reserve system | Guidance for consumers on making informed choices about whether to allow their personal financial information to be shared.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/privacy

Protecting Yourself from Overdraft and Bounced-Check FeesProtejase de los cargos por cheques rebotados y sobregirosfederal reserve system | Explains courtesy overdraft-protection, or bounce coverage, plans, and the costs involved. Provides guidance on how to avoid overdraft fees.


contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/bounce www.federalreserve.gov/pubs/bounce/bouncespanish.htm

Purchase Options for Consumersfederal reserve system | When you make a purchase, should you use cash, check, a credit card, debit card, your computer, or an automatic payment? Which way is best? To make a good decision, its important to think about your options.

contact Jeff Smith | 202.452.2955 | [email protected] www.chicagofed.org/consumer_information/purchase_options_for_

consumers.cfm

Theres a Lot to Learn About Moneyfederal reserve system | Learn how to make informed decisions about managing your money.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserveeducation.org/pfed/mediakit.cfm www.federalreserveeducation.org/pfed/fined/psa.pdf (English) www.federalreserveeducation.org/pfed/fined/PSASpanish.pdf (Spanish)


availability Booklet available in English or Spanish 50 complimentary copies per city.


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CESIdentity Theftfederal reserve system | federal reserve bank of boston | This booklet is designed to help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen.

contact Jeff Smith | 202.452.2955 | [email protected] www.bos.frb.org/consumer/identity

Investing for Successnational urban league | Workshops designed to strengthen investor awareness in the African-American community are presented by mutual fund industry professionals from Investment Company Institute member companies.


Know Your Money Economic Empowerment Programnational urban league | Know Your Money, an economic empowerment program designed to teach African-American professionals ages 21-40 personal money management strategies, consists of a 3-class curriculum to help participants understand their attitudes about money, develop a realistic household budget, and manage everyday financial tools. The program is hosted by select National Urban League Young Professional chapters each fall.


Military Money Magazineincharge education foundation, inc. | Saving, investing and budgeting on a military incomewhile coping with frequent moves, career changes for the spouse and new schools for the kidsrequires special skills and planning. Military Money magazine and Web site explores the dynamic lifestyle of military families and serves as an authoritative financial resource for those serving in Americas armed forces.


contact Michelle Serrano | 407.532.5602 www.militarymoney.com

Path to Diversity Initiativemortgage bankers association | Companies can offer their employees scholarships to the Mortgage Bankers Associations CampusMBA and School of Mortgage Banking to advance career development and diversity in the real estate finance industry.

contact Paul Richman | 202.557.2899 | [email protected] www.mortgagebankers.org/pathtodiversity

Privacy Choices for Your Personal Financial Informationfederal reserve system | Guidance for consumers on making informed choices about whether to allow their personal financial information to be shared.

contact Jeff Smith | 202.452.2955 | [email protected] www.federalreserve.gov/pubs/privacy

WOW Initiative with the Congressional Black Caucus Foundationmortgage bankers association | For minority homebuyerseducation and products from partners including MBA, Freddie Mac, HUD, and NUL. The program promotes homeownership as a means to obtain wealth by having equity in a home. Also has information on credit counseling from the National Foundation for Credit Counseling.

contact Paul Richman | 202.557.2899 | [email protected] www.cbcfinc.org/Economic%20Development/WOW/index.html

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PROVIDERRESOURCES ORGANIZED BY

Citigroup

Citigroup Financial Education ProgramThis Web site, www.financialeducation.citigroup.com, is managed and maintained by Citis Office of Financial Education. The Web site provides information on all of Citis financial education activities, resource materials, and supported programs. The following are other sites that can be accessed through this Web site:

Citigroups Financial Education SitesClick on Visit Our Sites to access free materials and additional Web sites on financial education.Citis Financial Education Information PortalClick the Citi Financial Education Information Portal to get answers to your money questions. The Citi Financial Education Information Portal is a collection of useful information from Citis most popular Web sites. The Portal provides advice on topics ranging from budgeting to planning for life events such as buying a home, saving for retirement, or saving for college.Financial Education CurriculumClick on Citigroups Curriculum & Facilitators Guide. Designed for almost any audience, the Citigroup Financial Education Programs Curriculum offers basic lessons in personal finances. The curriculum and accompanying facilitators guide are available in Spanish and English and can be used with audiences from students to senior citizens.

online www.financialeducation.citigroup.com

Citi Cards Credit-ED The Credit-ED Web site offers college students the essential resources they need for life-long sound financial health. Click on Credit-ED Administrator for facilitator materials.

availability Also available in Spanish

online www.students.usecreditwisely.com

Use Credit WiselyUse Credit Wisely is part of Citi Cards long-standing commitment to credit education and provides consumers with the latest resources to help them achieve peak financial health. The site includes information on topics such as Gaining Financial Control and Fraud Prevention. It also includes calculators to help plan a budget and links to other helpful information.

online www.usecreditwisely.com | www.cuidatucredito.com (Spanish)


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CountrywideFinancial Corporation

House America Counseling Center1.800.577.3732 (English) | 1.800.293.6316 (Spanish)

C O N T A C T

An Easy Guide to Buying a HomeAn informational booklet for potential homebuyers on the steps to purchasing a home. Tips include how to find a real estate professional, common real estate terms, types of loans, and how to make an offer on a property.


online www.wehouseamerica.com

The Countrywide Home Buyers ClubThe House America Counseling Center offers the Countrywide Home Buyers Club. It is a no-cost program to assist customers who are determined and committed to buying a home. Customers are provided education in budgeting, credit counseling, and other steps that may be necessary to help prepare for homeownership.

availability Brochure and education materials available in English or Spanish 50 complimentary copies per city

H.O.M.E. (Home Ownership Mortgage Education)Countrywides H.O.M.E. (Home Ownership Mortgage Education) is a comprehensive consumer financial education program designed to help individuals make more informed financial decisions, and to arm them with the knowledge they need to achieve and maintain home ownership. H.O.M.E. gives consumers easy-to-understand educational materials and tools that can help them learn how to develop a budget and savings plan, build their credit, shop for a loan, and maintain a home once theyre in it. The Web site provides articles, worksheets, video clips, quizzes, and printable checklists to help consumers when they leave the site and begin the actual home-buying process. Portions of the H.O.M.E. program have been produced in cooperation with the National Foundation for Credit Counseling (NFCC) and are based in part on the NFCC publication Keys to Home Ownership, National Foundation for Credit Counseling.

online www.HomeByCountrywide.com


Home Affordability ChartA calculator to determine how much you can afford to pay for a home based on your yearly income, the amount of your down payment, and your interest rate. To access the calculators, please visit the Web site below.

availability Chart available in English only 50 complimentary copies per city

online www.countrywide.com/calculators/CalcCombined.asp

House America Counseling CenterToll-free number potential homebuyers can call for home buyer education information, loan pre-qualification, credit analysis, and budget counseling through the Countrywide Home Buyers Club Program.

online www.wehouseamerica.com/resource.html

Your Personal CreditAn informational booklet for all consumers on credit, credit reports, and how credit is reported. It also includes information on how to dispute information on a credit report as well as sample correspondence.


online www.wehouseamerica.com/documents/YourPersonalCredit.pdf

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Federal ReserveSystem

Jeff Smith | 202.452.2955 | [email protected]

C O N T A C T

The 12 Regional Banks of the Federal Reserve System

BostonConnecticut (except Fairfield County), Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont

617.973.3000 main

www.bos.frb.org/consumer/pfe

New YorkConnecticut (Fairfield County only), New Jersey (northern), New York, Puerto Rico, U.S. Virgin Islands

212.720.5000 main

www.newyorkfed.org/education/econ_eduforall.html

PhiladelphiaDelaware, New Jersey (southern), Pennsylvania (eastern)

215.574.6000 main

www.phil.frb.org/consumers

ClevelandKentucky (eastern), Ohio, Pennsylvania (western), West Virginia (panhandle)

216.579.2000 main513.721.4787 Cincinnati412.261.7800 Pittsburgh

www.clevelandfed.org/consumer

RichmondDistrict of Columbia, Maryland, Virginia, North Carolina, South Carolina, West Virginia (except panhandle)

804.697.8000 main410.576.3300 Baltimore704.358.2100 Charlotte

www. richmondfed.org/educational_info/consumer_information

AtlantaAlabama, Florida, Georgia, Louisiana (southern), Mississippi (southern), Tennesse (central and eastern)

404.498.8500 main205.968.6700 Birmingham904.632.1000 Jacksonville305.591.2065 Miami615.251.7100 Nashville504.593.3200 New Orleans

www.frbatlanta.org

ChicagoIllinois (northern), Indiana (northern), Iowa, Michigan (lower peninsula), Wisonsin (southern)

312.322.5322 main313.961.6880 Detroit

www.chicagofed.org/consumer_information/personal_finance_information.cfm


St. LouisArkansas, Illinois (southern), Indiana (southern), Kentucky (western), Mississippi (northern), Missouri (eastern), Tennessee (western)

314.444.8444 main501.324.8300 Little Rock502.568.9200 Louisville901.523.7171 Memphis

www.stls.frb.org/consumer

MinneapolisMichigan (upper peninsula), Minnesota, Montana, North Dakota, South Dakota, Wisconsin (northwestern)

612.204.5000 main406.447.3800 Helena

www.minneapolisfed.org/consumer

Kansas CityColorado, Kansas, Missouri (western), Nebraska, New Mexico (northern), Oklahoma, Wyoming

816.881.2000 main303.572.2300 Denver405.270.8400 Oklahoma City402.221.5500 Omaha

www.kc.frb.org

DallasLouisiana (northern), New Mexico (southern), Texas

214.922.6000 main915.544.4730 El Paso713.483.3000 Houston210.224.2141 San Antonio

www.dallasfed.org/educate/pfe.html

San FranciscoAlaska, American Samoa, Arizona, California, Commonwealth of the Northern Mariana Islands, Guam, Hawaii, Idaho, Nevada, Oregon, Utah, Washington

415.974.2000 main 213.683.2300 Los Angeles503.221.5900 Portland

801.322.7900 Salt Lake City206.343.3600 Seattle

www.frbsf.org/consumer/finance

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General Federal Reserve System Resources

Federal Reserve EducationAll of the Federal Reserve Systems vast financial education resources are brought together in one place. Find curriculum materials, interactive tools for teaching the basics of personal finances, and information about Federal Reserve resources in your area.

www.federalreserveeducation.org

Federal Reserve System Publications CatalogThe Federal Reserve Bank of New York offers this comprehensive, online catalog of all of the Federal Reserve Systems publications, including those produced by the national Federal Reserve Board and the other regional Federal Reserve Banks.

www.ny.frb.org/publications/frame1.cfm

Federal Reserve Board Publications and Education ResourcesFind and order publications and education resources produced by the Federal Reserve Board.

www.federalreserve.gov/publications.htm

Federal Reserve Board Consumer Information BrochuresThe Federal Reserve Boards brochures and booklets are suitable for classroom use. Up to 100 copies are available without charge. Additional copies (over 100) are $0.25 each.

www.federalreserve.gov/pubs/brochure.htm

Federal Reserve Regional Financial Education Web SitesLink to educational resources offered by each regional Federal Reserve Bank.

www.federalreserveeducation.org/pfed/byregion.cfm

The Federal Reserve System OnlineA portal to the national and regional Web sites of the Federal Reserve.

www.federalreserveonline.org

Federal Reserve Kids PageA Web site designed to teach middle-schoolaged students about the Federal Reserve System. The site includes a self-quiz and is also available in Spanish.

www.federalreserve.gov/kids


A Consumers Guide to Mortgage Lock-InsExplains mortgage lock-ins, including costs and options. Provides consumer checklist of questions to ask when shopping for a loan.

online www.federalreserve.gov/pubs/lockins

A Consumers Guide to Mortgage Settlement CostsExplains the fees associated with mortgage settlement. Provides information about the settlement process, a cost worksheet, and sources for additional information.

online www.federalreserve.gov/pubs/settlement

Bank Productsfederal reserve bank of san francisco | Provides an overview of deposits, mutual funds, and annuities.

online www.frbsf.org/publications/consumer/products.html

Building Wealthfederal reserve bank of dallas | A beginners guide to securing your financial future.

availability Also in Spanish

online www.dallasfed.org/ca/wealth

Choosing a Credit CardDescribes credit card features and costs, including information in credit card solicitations and applications. Provides guidance on how to file a complaint.

online www.federalreserve.gov/pubs/shop

Consumer Handbook on Adjustable-Rate Mortgages (ARM)Gua para el consumidor sobre hipotecas a tasa ajustableBasic information on an important and complex mortgage option.


online www.federalreserve.gov/pubs/arms/arms_english.htm www.federalreserve.gov/pubs/arms/arms_spanish.htm

Federal Reserve SystemFinancial Education Tools

30

Consumer Handbook to Credit Protection LawsExplains how to shop for and obtain credit, how to maintain a good credit rating, how to dispute unfair credit transactions, and how to resolve billing errors.

online www.federalreserve.gov/pubs/consumerhdbk

Credit and Charge Cardsfederal reserve bank of san francisco | Explains the difference between credit cards and charge cards as well as disclosure information.

online www.frbsf.org/publications/consumer/cards.html

Credit Guidefederal reserve bank of chicago | This guide is designed to help you get a good start, avoid hazards, and know where to go and what to do if you have problems when using credit.

online www.chicagofed.org/consumer_information/credit_guide.cfm

Home Mortgages:Understanding the Process and Your Right to Fair LendingGuidance on shopping for a home mortgage, making an application, and understanding your rights to fair lending.

online www.federalreserve.gov/pubs/mortgage/morbro.htm

How to Establish, Use, and Protect Your Creditfederal reserve bank of philadelphia | Credit is an important financial tool, but it can also be dangerous, leading people into debt far beyond their ability to repay.

online www.philadelphiafed.org/consumers/establish.html

Identity Theftfederal reserve bank of boston | This booklet is designed to help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen.

online www.bos.frb.org/consumer/identity


Looking for the Best Mortgage: Shop, Compare, NegotiateBuscando la hipoteca ms favorable: Compare, Verifique, NegocieGuidance on identifying all the costs of your mortgage and negotiating the best loan terms.


online www.federalreserve.gov/pubs/mortgage/mortb_1.htm www.federalreserve.gov/pubs/mortgage/MortB_1_Spanish.htm

Making Sense of SavingsDescribes the various types of accounts available at depository institutions.

Paying for It: Checks, Cash, and Electronic PaymentsThis online brochure discusses various payment methods available to consumers, including cash, checks, and rapidly-expanding electronic payment methods. Readers can learn how each system works and the impact of technology. The brochure also provides information about the advantages, disadvantages, and uses of each method of payment, as well as the Federal Reserves role in the payment system.

availability online only

online www.frbatlanta.org

Privacy Choices for Your Personal Financial InformationGuidance for consumers on making informed choices about whether to allow their personal financial information to be shared.

online www.federalreserve.gov/pubs/privacy

Protecting Yourself from Overdraft and Bounced-Check FeesProtejase de los cargos por cheques rebotados y sobregirosExplains courtesy overdraft-protection, or bounce coverage, plans, and the costs involved. Provides guidance on how to avoid overdraft fees.


online www.federalreserve.gov/pubs/bounce www.federalreserve.gov/pubs/bounce/bouncespanish.htm

Purchase Options for ConsumersWhen you make a purchase, should you use cash, check, a credit card, debit card, your computer, or an automatic payment? Which way is best? To make a good decision, its important to think about your options.

online www.chicagofed.org/consumer_information/purchase_options_for_consumers.cfm

32

Putting Your Home Loan on the Line Is Risky BusinessUtilizar su hogar como garanta para un prstamo es arriesgadoGuidance on avoiding potential borrowing pitfalls, including high-cost predatory home loans, and tips for getting the best financing deal possible. Includes a worksheet to use in shopping for a home loan.


online www.federalreserve.gov/pubs/riskyhomeloans www.federalreserve.gov/pubs/riskyhomeloans/riskyspanish.htm

Theres a Lot to Learn About MoneyLearn how to make informed decisions about managing your money.

online www.federalreserveeducation.org/pfed/mediakit.cfm www.federalreserveeducation.org/pfed/fined/psa.pdf (English) www.federalreserveeducation.org/pfed/fined/PSASpanish.pdf (Spanish)

What You Should Know about Home Equity Lines of CreditLo que usted debera saber sobre las lneas de crdito con garanta hipotecariaInformation on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan.


online www.federalreserve.gov/pubs/equity/equity_english.htm www.federalreserve.gov/pubs/equity/equity_spanish.htm

Your Credit Reportfederal reserve bank of san francisco | It used to be that a retailer or bank would have to call each creditor you listed on an application form before they would decide to extend credit to you. Today they rely on credit reports, so its important for you to know what is in yours.

online www.frbsf.org/publications/consumer/creditreport.html

Your Credit Rightsfederal reserve bank of san francisco | You need to understand how credit is awarded or denied and what you can do if you are treated unfairly. The major laws that regulate credit are outlined in this brochure.

online www.frbsf.org/publications/consumer/creditrights.html


InCharge EducationFoundation, Inc.

Michelle Serrano | 407.532.5602 | [email protected]

C O N T A C T

CreditBoosterThe CreditBooster workbook is designed to provide consumers with information on credit scoring, credit problems, credit repair and related topics. Users learn about the importance of their credit score and how the score is determined. CreditBooster also shows readers how to order credit reports from credit bureaus, understand the information, find and fix errors, and take steps to rebuild damaged credit.

availability For up to 20 free workbooks, call 407.532.5602

InCharge Guide to Homeownership incharge education foundation, inc. | The InCharge Guide to Homeownership is a practical, easy-to-understand guidebook for potential homebuyers who have little or no experience with homeownership. This manual is designed for easy self-paced study. Readers start with a pre-test to gauge their level of knowledge about owning a home, then they move into the various important topics about the home buying process.

availability For up to 20 free books, call 407.532.5602

Military Money MagazineSaving, investing and budgeting on a military incomewhile coping with frequent moves, career changes for the spouse and new schools for the kidsrequires special skills and planning. Military Money magazine and Web site explores the dynamic lifestyle of military families and serves as an authoritative financial resource for those serving in Americas armed forces.


online www.militarymoney.com

34

Mind Your Finances e-LearningMind Your Finances helps individuals and organizations tackle the problem of financial illiteracy. This award-winning program consists of seven independent learning modules, each focused on a specific aspect of personal finance such as goal setting, budgeting, credit card basics and credit reports.

availability For up to 500 free Web version user names and passwords, call 1.877.617.7989

online www.mindyourfinances.com

Mind Your Finances WorkbooksFor those seeking to achieve a higher quality of life, Mind Your Finances offers a fresh perspective on everyday family finances. Available through a series of booklets and a Web site, it provides practical, effective information on budgeting, managing cash flow, interpreting credit reports, using credit wisely, understanding bankruptcy and much more.

availability English and Spanish For up to 20 free workbooks, call 407.532.5602

online www.mindyourfinances.com

Young Money MagazineYoung Money delivers a unique blend of money, business, and lifestyle that informs, engages and inspires its 18- to 24-year-old audience. A recognized brand at several major college campuses across the country, Young Money leads the market as an authority for young adults through a bi-monthly magazine, colorful Web site, and exciting live on-campus events.


online www.youngmoney.com


Mortgage BankersAssociation

Paul Richman | 202.557.2899 | [email protected]

C O N T A C T

MBAs Home Loan Learning CenterA Web site that provides consumers with information and resources necessary to learn about the home buying process. It offers the consumer an explanation about how the home buying process works; home buying tips and online links to home buying guides. The site also provides an explanation of consumers rights, contains calculators to help consumers make decisions about what type of mortgage they can obtain and afford and definitions of different mortgage products. It offers the consumer a free online course entitled Consumer Homebuyer Education: Home Buying Basics that covers such topics as budget development, understanding credit, selecting a home, evaluating mortgage products, preparing a mortgage application, procedures at closing, and how to avoid predatory lenders. A free seminar is also available for consumers to listen to and participate in a presentation delivered via the telephone about the importance of good credit and how to better improve their credit score. The Home Loan Learning Center is a tool that you can use to educate your constituents about homeownership opportunities in your communities. Web site and course in English and Spanish

online www.homeloanlearningcenter.com

MBAs Resource Center for Expanding HomeownershipThe Resource Center for Expanding Homeownership is a Web site designed to provide industry professionals with resources that will assist them in meeting the needs of emerging market borrowers across the country. Lenders, other real estate finance professionals, nonprofit agencies and government agencies in your community can find information about the following areas:

Consumer Education, a tool kit for successfully conducting homebuyer fairs and other consumer education efforts.Best Practices that provide models of successful partnerships.Partnership Opportunities providing directories of potential partners including public, private and nonprofit agencies involved in housing at the local, state and national level.Products and Programs providing innovative approaches to expanding homeownership.Research Resources and Library which assist in assessing market opportunities.

online www.mortgagebankers.org/homeownership

36

Path to Diversity InitiativeCompanies can offer their employees scholarships to the Mortgage Bankers Associations CampusMBA and School of Mortgage Banking to advance career development and diversity in the real estate finance industry.

online www.mortgagebankers.org/pathtodiversity

Stop Mortgage Fraud Consumer Education CampaignA financial literacy program that gives consumers three important tools they can use to help prevent them from being subject to predatory lending practices:

A Borrowers Bill of Rights, which provides a detailed listing of consumer rights during the mortgage transaction from the first contact with a lender/broker to the closing of the loan.The Ten Warning Signs of Predatory Lending, which lists the 10 common warning signs of predatory lending. These signs include everything from being asked to leave signature lines blank to being encouraged to include false information on a loan application.Where to Report Suspected Predatory Lending, consumers can either visit the Web site or call 1.800.348.3931 to get information on what steps to take to file a complaint. Consumers calling the 800 number will receive a brochure that contains information also found on the Web site.

availability English, Spanish, and Arabic

online www.stopmortgagefraud.com

WOW Initiative with the Congressional Black Caucus FoundationFor minority homebuyerseducation and products from partners including MBA, Freddie Mac, HUD, and NUL. The program promotes homeownership as a means to obtain wealth by having equity in a home. Also has information on credit counseling from the National Foundation for Credit Counseling.

online www.cbcfinc.org/Economic%20Development/WOW/index.html


National Associationof REALTORS

Wendy Penn, Housing Opportunity Program202.383.7504 | [email protected]

C O N T A C T

FHA Insured MortgagesThe National Association of REALTORS and the Federal Housing Administration created an educational brochure titled FHA Insured Mortgages, which is designed for REALTORS and consumers. The brochure lays out the benefits and changes made to the FHA mortgage program. The brochure is also a user-friendly guide to other resources from FHA and the Department of Housing and Urban Development.


online www.realtor.org/government_affairs/housing_opportunity/resource_center/fha_mortgages.html

How to Avoid Predatory LendingThe National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled How to Avoid Predatory Lending to help consumers identify the warning signs of predatory loans. It also gives tips to consumers on how to avoid them, including questions they should ask when shopping for a loan.


online www.realtor.org/government_affairs/housing_opportunity/resource_center/predatory_lending.html

38

Specialty Mortgages: What Are the Risks and Advantages?The National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled Specialty Mortgages: What are the Risks and Advantages? to help prospective buyers make an informed decision about the kind of home financing that is best for them. This brochure outlines for consumers the risks and advantages for nontraditional mortgages, including interest-only, payment option ARM, and 40-year mortgages.

availability In English and Spanish Mayors can receive 10 copies each free of charge, or purchase more

brochures at cost through the Realtor.org Store at www.realtors.org

online www.realtor.org/government_affairs/housing_opportunity/resource_center/specialty_mortgages.html

Traditional Mortgages: Understanding Your OptionsThe National Association of REALTORS and the Center for Responsible Lending created an educational brochure titled Traditional Mortgages: Understanding Your Options to assist consumers in making the best decision when considering 15- and 30-year and traditional adjustable-rate mortgages. This publication is also helpful to individuals considering options for tapping into the equity in their homes.


online www.realtor.org/government_affairs/housing_opportunity/resource_center/traditional_mortgages.html


NationalUrban League

Please contact the individual staff contact for each program with questions.

C O N T A C T

Investing for SuccessWorkshops designed to strengthen investor awareness in the African-American community are presented by mutual fund industry professionals from Investment Company Institute member companies.


Know Your Money Economic Empowerment ProgramKnow Your Money, an economic empowerment program designed to teach African-American professionals ages 21-40 personal money management strategies, consists of a 3-class curriculum to help participants understand their attitudes about money, develop a realistic household budget, and manage everyday financial tools. The program is hosted by select National Urban League Young Professional chapters each fall.


WOW Initiative with the Congressional Black Caucus FoundationWOW (With Ownership, Wealth) is for minority homebuyerseducation and products from partners including MBA, Freddie Mac, HUD, and NUL. The program promotes homeownership as a means to obtain wealth by having equity in a home. Also has information on credit counseling from the National Foundation for Credit Counseling.

contact Paul Richman | 202.557.2899 www.cbcfinc.org/Economic%20Development/WOW/index.html

40

NationwideRetirement Solutions

Louie Watson | 614.854.8895 | [email protected]

C O N T A C T

The Three Little Pigs: A Financial Fairy TaleNationwide Retirement Solutions believes in retirement education for life. They are also very concerned about the statistics surrounding childrens financial education. Development of The Three Little Pigs: A Financial Fairy Tale is designed to be one step toward helping children build a natural curiosity about financial planning at an early age. Nationwide has adapted the well-known childrens fairy tale into a modern-day financial lesson that teaches children the importance of balancing their spending, saving and sharing. Spending Pig, Stingy Pig, Smart Pig and Mr. B.B. Wolfe are the stars in the story that follows the 3 pigs as they manage and mismanage their money. The full-color storybook, workbook full of suggested activities and other information can be downloaded from the Web site. These materials can be shared in classrooms, with youth groups, or as part of the curriculum for Take a Child to Work Day. In recognition of the excellence of The Three Little Pigs program, the U.S. Conference of Mayors and Nationwide Retirement Solutions received a 1st Place 2005 Eddy Award from Pensions & Investments/Workforce Management.

online www.nationwidekids.com


notes

NationalDollar Wi$eCampaign

The United StatesConference of Mayors1620 Eye Street NWWashington, D.C. 20006

202.861.6759 | [email protected] | dollarwiseonline.org

PLEASE RECYCLE

Front coverColophonWelcomeContentsResources Organized by Target AudienceHomebuyersStudentsCreditGeneral ConsumersOther Target Audiences

Resources Organized by ProviderCitigroupCountrywide Financial CorporationFederal Reserve SystemInCharge Education Foundation, Inc.Mortgage Bankers AssociationNational Association of REALTORSNational Urban LeagueNationwide Retirement Solutions

Back cover

dollarwise resource book, 2007-08

Documents