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20SymposiumScheduleFridayNovember22800AM-950AMBreakoutContinuedHomeownershipMortgagesPresiderDoraMaysUnitedStatesAirForceGuidingParticipantsthroughHomeownershipEducationNancyStehulakOhioStateUniversityExtensionMelindaHillOhioStateUniversityExtensionDoyoufndyoursellookingoraconcisecurrentpublicationtoguidehomeownersthroughhomeownershipTheHomebuyersGuidepublishedin2011isa65pageguidetohelpyouworkwithconsumersinterestedinlearningalltheycantoreadythemselvesorhomeownership.SeetheguideandlearnabouttheNationalStandardsorHomeownershipEducationinthisprogram.WhatDotheRecentChangesandTrendsinReverseMortgagesMeanforProfessionalsWorkingwithSeniorsCindyStokesUtahStateUniversityThispresentationseekstoaddresstheconcernssurroundingtheincreaseinreversemortgageRMdeaultsandthelossotheHECMStandardfxedinterestrateloanoptionaswellastoincreasepractitionerunderstandingoRMsasanoptionorseniorhomeownersseekingfnancialhelp.ProessionalsworkingwithseniorsshouldhaveadequateknowledgeaboutRMsandbeabletoreerseniorclientstoaRMcounselororadditionaldetailedandrequirededucationsothatseniorscaneectivelymakethebestdecisionspossibleandbesuccessulwhentheychooseaRM.TealBallroomBudgetingSavingPresiderRebeccaTravnichekUniversityoMissouriExtensionBudgetingfromtheHeartAddressingEmotionalDecisionsinMoneyManagementDanielleChampagneUniversityofNorthTexasFinancialcounselorsandeducatorscanteachtheirclientshardandastrulestomanagetheirmoneyromsettinggoalstocreatingabudgettorepairingtheircredit.Buttheserulesandprocedureswillnotalwaysworktotheirclientssuccessiweascounselorsandeducatorsdonotaddresstherootcausesoourclientsmismanagementomoney.Wemustidentiytheemotionalsideomoneymanagementanddecision-makingtohelpourclientsbetterortheshortandlongterm.SavingfortheUnexpectedInnovationstoHelpConsumersManageEmergenciesShaheenHasanD2DFundMelanieKwonDuchD2DFundInthispanelTheDoorwaystoDreamsFundD2Dwillhighlightproductinnovationsthathavehelpedconsumerssuccessullysaveoremergencieswhentheywerenotregularlysavingbeore.Giventhatthereisnouniversalsolutiontohelpconsumersmeettheirneedsorshort-termemergencysavingsD2Dhasbeenworkingonvariousinnovationstohelphouseholdscopewithemergenciesincludingasavingsonprepaidcardsaswellasbprize-linkedsavingsPLSaninnovationthatrewardsconsumersorsavingwithchancestowinprizesbasedontheirdepositactivity.Thepanelwillprovidefnancialeducatorsandcounselorswithbackgroundonthepressingneedorshort-termsavingsandshowcaseinnovationsthatcanhelptheirconsumersplanormanagingshort-termneedsincludingfnancialemergenciesStudio220NOMAA