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2013AFCPEAnnualResearchTrainingSymposiumNovember2022HyattRegencyGreenvilleCelebrating30Years220NorthMainStreetGreenvilleSC29601 1WelcomeromBarryWilkinsonandRebeccaTravnichekyour2013AFCPECo-PresidentsWearegladyouarejoiningusinGreenvilleSC.AFCPEisdelightedtoholdthisyearsAnnualResearchandTrainingSymposiuminthedowntownareaoGreenvilleneartheirlovelyriverwalkarea.OurhotelhostthisyeartheHyattRegencyGreenvilleprovidesusnotonlyaninvitinginsideenvironmentwithmanyamenitiesbutalsoaccesstouniqueshopsandrestaurantsinthequaintdowntownareajuststepsaway.FirstandoremostwewanttopersonallythankallwhohaveworkeddiligentlythisyearintheplanningoAFCPEsAnnualResearchandTrainingSymposiumCelebrating30Years.AsAFCPEPresidentsitisagreatrelietoustohavewonderulstaledbyExecutiveDirectorRebeccaWigginsworkingtirelesslyonmakingeverydetailseamlessorattendees.PleasetakeamomenttothankthemallwhenyouseethemthisweekRebeccaKatieKathrynandMichelle.AlsobesuretoextendyourthankstotheSymposiumTaskForceorcreatingatrulysubstantiveagendaosessionssothatYOUcantakewhatYOUlearnbacktoYOURowncommunities.YourSymposiumTaskForceisChairMikeDunnProceedingsEditorsVivianMasonandMaryBellResearchPapersPaulGoebelandErinWirthPractitionerForumsShirleyAnderson-PorischStudentResearchPapersMarkStanordandAmyBayliPosterPresentationsStephanieGreenandRegionalBreakoutSessionsDeanObenauerandBrendaVaughn.AllousowethemanenthusiasticroundoapplauseortheireortsThisyearwewillbestartingoutalittledierently.ThefrstGeneralSessionwillconsistoapaneldiscussionaboutAFCPEoverthe30yeartimerame.Currentandormerleaderswilldiscussourassociationpastpresentanduture.ThediscussionwillcontinuewithassignmentstoworkonduringtheRegionalBreakoutsessionwithmembersothepanel.Everyonesnametagwillbecolor-codedbaseduponwhereyouliveorwhereyourhomebaseislocatednametagwillalsolistwhichregion.YoucancontinuetheregionaldiscussionsduringourCelebrationDinnerandestivitiesmusicanddancingwiththeNashVegasAllStars.Letsseewhocancut-a-rugboogiedownortwistthenightawayYOUcantakewhatYOUlearnbacktoYOURowncommunitiesThursdayispackedwithgreatlearningopportunitiesWelltakeactionfrstthingwiththeAnnualBusinessMeetingplated-breakastwillbeservedrom730-800amsodontbelate.OnetopicthatwillaectallousistheAordableCareAct.ThomasMcAuliewiththeMissouriFoundationorHealthwillbesharingwithusthelimitationsandpossibilitiesotheACA.Hissessionwillbeinteractiveandinormativedispellingmythsandensuringthatweallunderstandthesystemsothatwecanbetterhelpourclients.ThemainpartothedayisflledwithpresentationsYOUsubmittedthenwewillendthedaywithJeanChatzkyanAmericanfnancialjournalistauthorandmotivationalspeaker.ShehasgivenpersonalfnancialadviceonvariousTVshowsandisthefnancialeditororNBCsTodayShow.ShewillbetalkingtousaboutbehavioraleconomicssoletsseeiyourdefnitionobehavioraleconomicsisthesameashersPresidentsWelcome 2PresidentsWelcomeContinuedTableoContentsFridaysbreakoutsessionswillprovideyouwithmoretoolsandresourcestouseinyourbusinessofceorclassroom.Itisalsoourtimetohonorourcolleaguesorthegreatthingsthattheyhavedone.AreyouanAFCoroneormoreoourotherAFPCEcertifcationsEverwonderwhatyoucandowithyourcertifcationsIsoyouwillnotwanttomisswhatStaciMintzplanstosharewithusaboutBuildingaCareerasanAFC.IvesharedtidbitsoinormationontheGeneralSessionsandBreakouts.ButIthinkImmissingsomething.WhatcoulditbeNowIrememberIhaventevenmentionedseeingriendsandcolleagueswehaventseensincelastyearsconerenceNottomentionnewriendswellmakeiweareopenandseekingnewadventures.andthecounselingplanningandeducationalidealswewillsharewitheachotherandtakebackhometoshareinourowncommunities.DuringthiscurrentyearAFCPEhascontinuedtoacechangeandgrowth.AsCo-PresidentsotheBoardoDirectorsotheorganizationithasbeenchallengingandVERYrewarding.Whatanhonoritsbeentoserveinthiscapacityandtogainnewperspectivesintothisamazingorganization.AFCPEisonthecuspogrowthandrecognitionthatwemaynothaveexperiencedatanyothertimeinourhistory.Wemustallbereadytogrowthinkdierentlyandchallengeoldassumptionswaysodoingthingsideas.Growthdoesnotalwayscomeeasilythereisareasontheycallthemgrowingpains.Iwearetopassthroughthisgrowthspurtsuccessullywemustallworktogether.WelcometoGreenvilleandthisyearsAnnualAFCPEResearchandTrainingSymposiumBereadywillingandabletohelpyourAFCPEBoardoDirectorsmovethisorganizationtotheGreenerpasturesofnancialcounselingplanningandeducationorthenext30yearsRebeccaJ.TravnichekBarryWilkinson2013Co-PresidentsVisionTobeinternationallyrecognizedastheleadingprovideroproessionaldevelopmentopportunitiesorfnancialeducatorspractitionersandresearchers.MissionAFCPEprovidesproessionaldevelopmentexperiencesorfnancialeducatorspractitionersandresearcherstoimprovetheeconomicwellbeingoindividualsandamiliesworldwide.TableoContentsSpeakerBiographies.....................................4-7ConerenceSchedule..................................8-25 32013AFCPEBoardoDirectorsRebeccaTravnichekCo-PresidentBarryWilkinsonCo-PresidentSharonCabeenPastPresidentMichaelGutterTreasurerVirginiaZuikerSecretaryKelliJoAnthonMaryannBarryJanGarkeyJinheeKimIreneLeechDoraMaysSybleSolomonMichaelWoodSymposiumTaskForceProgramChairMichaelDunnPractitionersForumShirleyAnderson-PorischAmyBayliResearchPaperPaulGoebelErinWirthStudentPapersMarkStanordPostersStephanieGreenRegionalCo-ChairsBrendaVaughnDeanObenauerAwardsTaskForceTaskForceChairLeslieGreenPimentelCertifcationTaskForceTaskForceChairAlenaJohnsonTaskForceMembersBarbaraLangRyanLawDeborahHaynesDevelopmentTaskForceTaskForceChairRebeccaTravnichekTaskForceMembersMarshaGoettingCynthiaCrawordBarbaraONeillElectronicCommunicationsTaskForceChairJoanieHammonsFinanceTaskForceTaskForceChairMeganONeilTaskForceMembersJerryBuchkoMartieGillenRachelFarrisDenaWiseInvestmentTaskForceTaskForceChairMichaelGutterTaskForceMembersSteveShagrinJamesMurphyJournalTaskForceTaskForceChairFranLawrenceMemberServicesTaskForceTaskForceChairKellyWillettTaskForceMembersGaleJohnsonKentThompsonJuanitaMcKeownMonthlyMinuteEditorChristineJuliusNewsletterTaskForceTaskForceChairAndiWrennTaskForceMembersJillLadouceurNewsletterEditorPaulRichardLauraLeachKarenHeislerStaciMintzJerryBuchkoNominationTaskForceTaskForceChairSharonCabeenSymposiumProgramTaskForceChairMikeDunnSymposiumProceedingsTaskForceChairMaryBellVivianMason30thAnniversaryConerenceTaskForceTaskForceChairJoyceCavanaghTaskForceMembersJanieBrightIreneLeechBeckyTravnichek2013AFCPEBoardoDirectorsTaskForceList 4Dr.JerryMasonJerryMasonismarriedtoJoyceHurst.Theyaretheparentsosixchildren.HeearnedaBSinEconomicsromBrighamYoungUniversityanMBAromStanordUniversityandaPh.D.romtheUniversityoMissouri.HehasearnedaCFPrChFCandaCLU.ForfveyearsheservedattheDirectoroEducationortheInternationalAssociationorFinancialPlanningnowFPA.HewasoneotheoundersotheAssociationorFinancialCounselingandPlanningEducationandcreateditsAFCcertifcationprogram.HetaughtfnancialplanningatBrighamYoungUniversityTexasTechUniversityandisnowatUtahValleyUniversity.Hisfrstloveishelpingstudentsfndinternshipsandemployment.TahiraK.HiraPh.D.Dr.HiraSeniorPolicyAdvisertothePresidentatIowaStateUniversityandaproessoroPersonalFinanceandConsumerEconomicshasservedastheExecutiveAssistanttothePresidentAssociateViceProvostorISUExtensionandhastaughtandconductedresearchinamilyfnancialmanagementinvestingconsumercreditgamblingandconsumerbankruptcy.Dr.HirareceivedB.A.andM.A.degreesinEconomicsromPunjabUniversityPakistanandanM.S.inAgriculturalEconomicsandaPh.D.inFamilyandConsumerEconomicsromtheUniversityoMissouri-Columbia.HerproessionalexperienceincludesbeingamemberotheU.S.PresidentsAdvisoryCouncilonFinancialLiteracyChairotheNYSEcommitteeonfnancialliteracybeingappointedtotheIowaStudentLoanBoardservingasExternalAssessorattheUniversitiPutraMalaysiaservingontheeditorialboardsojournalsandasareviewerorseveralothersinherfeld.ShehasalsoservedonseveralnationalcommitteesandboardsincludingtheInstituteotheCertifedFinancialPlannersICFPBoardoStandardsandPracticesortheCertifedFinancialPlannersCFPboardandtheNationalFoundationorConsumerCreditNFCC.ShewastheoundingpresidentandaellowotheAssociationorFinancialCounselingandPlanningEducationAFCPEandboththepresidentandvicepresidentoFinancePropertiesortheAmericanAssociationoFamilyandConsumerSciencesAAFCS.CurrentlysheisservingonExperiansConsumerEducationCouncilandischairingNewYorkExchangesFinancialLiteracyAdvisoryCommittee.SpeakerBiographies 5SusanBrossSusanBrossteachessimpletoolsoreortlessandsustainablecashfowandmoneymanagementandguidesherclientstobalancedattitudesandbeliesaboutmoneyandsuccess.SusansextensivebackgroundincludesaBAinpsychology15yearsexperienceinmarketingandnanceand4yearsasanaddictioncounselor.SheisnationallyaccreditedthroughtheNationalAssociationorFinancialCounselingandPlanningEducationandhasbeeninpracticeasanAFCsince1992.Susanbelievesthatanythingispossiblewiththerightinormationsucientsupportinyourprocessastubbornpersistenceagainstalloddsandanattitudeograteulness.Herdesiretohelpotherstakecontrolotheirnancesbeganinherearly20swhensheexperiencedalongnancialstruggle.Atertherealizationthatonereallycouldtakecontroloonesnancesandthatshewaslivingprooothisconceptchangedherlieorever.Sheeltdierentaboutwakingupinthemorningaboutherjobaboutherpossibilitiesandhersel-esteem.Thiscompelledhertohelpotherswiththeirownnanceswhichledtohercareerasamoneycounselorandcoach.AtersuccessullynanciallyretoolingherselollowingadivorceSusanhasanevendeeperunderstandingotheimpactonancialdespairandtheeelingowhatitslikeontheotherside.Susansdesireistohelpclientsreachmoneymasterywithouthavingtotaketenyearsorgothroughaliechangingeventtodoit.IsaacTempletonJr.Mr.TempletoniscurrentlyservingastheVeteranServiceAdvisoratPrinceGeorgesCommunityCollege.RetiredromHeadquartersDepartmentotheArmyastheChieoTransitionSupportServicesandservedastheDepartmentotheDeenseExecutiveAgentorAmericanRedCross.HealsoservedasaU.S.ArmyCongressionalFellow.Mr.TempletonretiredasaU.S.ArmyMedicalServiceCorpOcer.HeisaormerAFCPEBoardMember.StaciMintzStaciMintzisPresidento1stChoiceCounselingandEducation.SheearnedherB.S.DegreeinbusinessatUniversityoPhoenixandaMastersDegreeinSpiritualPsychologyromtheUniversityoSantaMonica.SheholdstheesteemedAccreditedFinancialCounselordesignationwithAFCPEandanumberoothercerticationsincludingCertiedCreditReportReviewerandDomesticViolenceCounselor.SheisalsoaPersonalFinancialCounselorworkingwiththemilitaryandisonCalStateUniversityNorthridgesConsumerResourceCenteradvisoryboard.StaciworkscloselywithherlocalcommunityprovidingnancialcoachingandeducationtovariouspopulationsincludingHavenHillsadomesticviolencecenterandtheVeteransAdministration.Sheisachaplainatalocalhospitalandworksoncallprovidingcounselingtopatientsandamiliesincrisisandacilitatinggrieandrelatedsupportgroupsinhercommunity.SpeakerBiographies 6SpeakerBiographiesBarryWilkinsonBarryL.WilkinsonisemployedbytheUnitedStatesAirForceattheAirmanFamilyReadinessCenterasaTeamLeaderCommunityReadinessConsultantOuttAirForceBaseNebraska.Heleadsateamoproessionalsthatprovidesmilitarymembersandtheiramiliestransitionassistanceamilylieeducationandservicesfnancialcounselingandeducationandcrisisintervention.HehasbeenassociatedwithAFCPEsince1998andhasservedasarevieweronAwardsCommitteesandchairedthe2009PractionersForumCommittee.InadditiontohisAFCcertifcationheholdsaBachelorsoScienceinHumanResourcesalongwithothermultiplecertifcationscredentialsinamilylieeducationandintervention.RebeccaWigginsRebeccaWigginsholdsaMastersinFamilyFinancialPlanningromKansasStateUniversityGPIDEAProgram.ShecurrentlyservesasExecutiveDirectoroAFCPE.OverthepasteightyearsshehasworkedinvariouscapacitiesincludingDirectoroCertifcationandGrantProgramsCoordinator.PreviouslyRebeccaworkedinnonproftartmanagementorseveralchambermusicandsymphonygroups.SheisdeeplycommittedtoAFCPEsmissiontobuildsupportandensuretheintegrityothePersonalFinanceproessionandimprovetheeconomicwellbeingoindividualsandamiliesworldwide.PJGunterPJGunterremainsacommittedadvocateorpersonalfnancialeducationandcounseling.Sincediscoveringherownneedtobecomefnanciallyliterateshehasbeenpassionatelysharingwhatshehaslearned.PJacilitatespersonalfnanceworkshopsordiverseaudiencesineducationalandcorporateenvironments.SheholdsaMastersinHumanResourcesDevelopmentandearnedaMSinPersonalFinancialPlanningasaDavidM.KingMeritScholarattheCollegeorFinancialPlanning.SheisaormerpresidentoAFCPE.AsPJtransitionstohernextchaptersheintendstoprovideobjectivefnancialeducationandtoolsoremotionalsupporttothosewhoaremovingorwardatertheendosignifcantrelationships.ShelivesinanemptynestinHouston.ThomasMcAulieThomasMcAuliejoinedMissouriFoundationorHealthin2005aterservingasthegovernmentrelationsassociateorUnitedWayoGreaterSt.Louis.AspolicyanalystheisresponsibleorcoordinatingandcommunicatingaboutMFHsworkrelatedtohealthpolicyresearchevaluationandanalysis.HehasamastersdegreeinpoliticalscienceromPurdueUniversityandiscurrentlypursuinghisdoctorateinpublicadministrationandpoliticalscience.HehasalsoservedasalectureratWebsterUniversityinSt.Louis. 7SpeakerBiographiesJeanChatzkyJeanChatzkythefnancialeditororNBCsTODAYshowisanaward-winningpersonalfnancejournalistAARPspersonalfnanceambassadorandthehostoMoneyMatterswithJeanChatzkyonRLTV.Jeanisabest-sellingauthoralongtimemagazinecolumnistandhereighthandmostrecentbookisMoneyRulesTheSimplePathtoLielongSecurity.Shebelievesknowinghowtomanageourmoneyisoneothemostimportantlieskillsorpeopleateveryageandhasmadeithermissiontohelpsimpliymoneymattersincreasingfnancialliteracybothnowandortheuture.TothatendsherecentlylaunchedJeanChatzkysMoneySchool--onlineclassesoncrucialfnancialtopicslikesavingbudgetinggettingoutodebtandplanningorretirement--thatsheteachesherselatJeanChatzky.com.JeanistheauthoroeightbooksincludingMoneyRulesandtherecentNewYorkTimesbest-sellerMoney911YourMostPressingMoneyQuestionsAnsweredYourMoneyEmergenciesSolved.HerbookTheDierenceHowAnyoneCanProsperinEventheToughestTimesCrownBusinessreceivedthe2009BooksoraBetterLieawardinthePersonalFinancecategory.SheisalsotheauthoroPayItDownFromDebttoWealthon10ADayNewYorkTimesandBusinessWeekbestsellerwhichwaseaturedonTheOprahWinreyShowssuccessulDebtDietseries.Jeanisasought-atermotivationalspeakeraswellasarespectedconsultanttobusinessesandcompanyexecutives.ShealsoregularlysharesheradviceandopinionsasaguestonpopulartelevisionshowsincludingTheViewTheTalkandMorningJoeandmaderegularappearancesonTheOprahWinreyShow.In2009theConsumerFederationoAmericaawardedJeantheBettyFurnessConsumerMediaServiceAwardorhernearlytwodecadesopioneeringpersonalfnanceeducation.ShehasalsoreceivedtheClarionAwardormagazinecolumnsromtheAssociationoWomaninCommunicationsandaGracieAwardromAmericanWomeninRadioandTelevisionInc.TheChicagoTribunenamedJeanoneothecountrysbestmagazinecolumnists.InadditiontoherproessionalworkJeanservesontheboardotheChildrensHeartFoundationandtheNationalFoundationorCreditCounseling.AproudgraduateotheUniversityoPennsylvaniasheisalsoamemberotheTrusteesCounciloPennWomenandontheboardotheKellyWritersHousealsoatPenn.JeanliveswithheramilyinWestchesterCountyNewYork.Formoreinormationpleasevisitwww.jeanchatzky.com 8SymposiumScheduleMondayNovember18800AM-400PMTrainingRegencyCPersonalFinanceCourseTrainingExaminationRayForgueTuesdayNovember19800AM-400PMTrainingRegencyCFinancialCounselingDebtManagementCourseTrainingExaminationAlenaJohnson1200PM-600PMAFCPERegistrationAtriumAFCPERegistrationOpenWednesdayNovember20700AM-500PMAFCPERegistrationAtriumAFCPERegistrationOpen700AM-100PMPre-SymposiumRegencyCCooperativeExtensionPre-Symposium 9SymposiumScheduleWednesdayNovember20800AM-1200PMMilitaryTrainingRegencyD-HMilitaryHomeSpecialistBeverlyFraseNationalDirectorCertifedMilitaryHomeSpecialistsatBootsAcrossAmerica200PM-330PMPanelSessionRegencyC-HAFCPEPastPresentFutureDr.TahiraHiraDr.JerryMasonSusanBrossIkeTempletonJr.BarryWilkinsonRebeccaWiggins330PM-345PMBreakRegencyABExhibitHallOpen345PM-500PMBreakoutNorthwestRegionalBreakoutCrepeMyrtleNortheastRegionalBreakoutRedbudCentralRegionalBreakoutStudio200NOMAASouthwestRegionalBreakoutTealBallroomSoutheastRegionalBreakoutStudio220NOMAB-C515PM-600PMReceptionPre-FunctionRegencyABWelcomeReception600PM-1100PMDinnerCelebrationRegencyC-H30thAnniversaryDinnerCelebration30thAnniversaryTaskForceNashVegasAllStars 10SymposiumScheduleThursdayNovember21700AM-500PMAFCPERegistrationAtriumAFCPERegistrationOpen730AM-915AMBusinessMeetingRegencyC-E2BreakfastBusinessMeetingAFCPEBoardofDirectors930AM-1045AMGeneralSessionRegencyC-E2ImplementingtheAffordableCareActUnderstandingtheLimitationsandPossibilitiesThomasMcAuliffeMissouriFoundationforHealth1045AM-1100AMBreakRegencyAB1100AM-1150AMBreakoutAFCPEMaryONeillFinancialEducation2013Mini-GrantProjectReportMichaelGutterUniversityofFloridaMoneyMatterTrain-the-TrainerVideoforYoungAdultswithAutismSpectrumDisorderPaulFGoebelUniversityofNorthTexasRachelGrimesUniversityofNorthTexasMoneyMatterprovidespractitionersandeducatorswithanewarrayofresourcestobetterservethemoneymanagementskillsofyoungpeoplewithASDages16-21formoresuccessfulintegrationintopost-secondaryeducationcommunitylivingandemployment.Learnhowtoaccessthefree3-partvideoseriesspendingplansandassessmenttools.RegencyF-H 11SymposiumScheduleThursdayNovember211100AM-1150AMBreakoutContinuedYouandHealthInsurancePresiderNellieLamersUniversityoMissouriExtensionYouandHealthInsuranceTheWhyWhatandHowforMakingaSmartChoiceLynnLittleUniversityofMarylandExtensionBonnieBraunUniversityofMarylandExtensionVirginiaBrownUniversityofMarylandExtensionTeresaMcCoyUniversityofMarylandExtensionMiaBaytopRussellUniversityofMarylandExtensionMeganONeilUniversityofMarylandExtensionJinheeKimUniversityofMarylandExtensionCrystalTerhuneUniversityofMarylandExtensionMariaPippidisUniversityofDelawareCooperativeExtensionInthesessionYouandHealthInsuranceTheWhyWhatandHoworMakingaSmartChoicewewillshareourresearchfndingsdemonstratetheSmartChoiceHealthInsurancecurriculumandpreliminaryevaluationresults.TheSmartChoiceprogramisdesignedtoeectivelyengageadultlearnerswithgoalsoprovidingknowledgegainskilldevelopmentandenhancementandbehaviorchangereinorcement.RedbudMilitaryFinancialReadinessProjectPresiderMadeleineGreeneTheMoneyTeamLLC-MilitaryFamilyLIeConsultant2012NationalFinancialCapabilityStudyMilitarySurveyBudSchneeweisMilitaryFinancialReadinessProjectFINRAInvestorEducationFoundationTheresultsothe2012NationalFinancialCapabilityStudywerereleasedinMay2013andarehelpinginormfnancialpoliciesandprogramsreachingallAmericans.TheresultsotheMilitarySurveyportionothatstudywerereleasedonNovember6th2013.HearwhatiscontainedinthatSurveyincludinghowthedatacanbeusedtohelpansweryourquestionsaboutservingourmilitarymenandwomenandtheiramilies.TealBallroomS.E.C.UpdatesPresiderAlenaJohnsonUtahStateUniversityInvestorUpdatefromtheU.S.SecuritiesandExchangeCommissionLoriSchockUnitedStatesSecuritiesandExchangeCommissionStudio220NOMAB-CBankingPresiderRebeccaWigginsAFCPEHandsonBankingGladysEvertsVicePresidentandRegionalManagerStrategicPhilanthropyandPartnershipsWellsFargoGovernmentandCommunityRelationsConerenceparticipantswillexploretheHandsonBankingonlineprogramthatsalignedwithnationalandstatestandardsormathematicseconomicsandpersonalfnance.AdditionallyparticipantswillbeabletoexplorethetwonewestadditionstoHandsonBankingfnancialeducationprogramHandsonBankingortheMilitaryandHandsonBankingorSeniors.TakentogetherHandsonBankingisoneothemostcomprehensivefnancialeducationprogramsinthecountry.Itisreenon-commercialinteractiveandbilingual.Studio220NOMAA 12SymposiumScheduleThursdayNovember211150AM-1250PMLunchOnYourOwn100PM-150PMBreakoutTechnologyPresiderCharlestienHarrisSouthernBancorpCommunityPartnersGame-ifyingandApp-ifyingFinancialCapabilityandFinancialAccessNickMaynardDoorwaystoDreamsD2DFundCarolynHallMcMahonDoorwaystoDreamsD2DFundThissessionwillexplorehowvideogamesamediaengagingalmostallAmericanshavebecomeaplatormtohelpconsumersbuildrealworldfnancialcapability.Inadditionwewillexaminecurrentresearchprojectsocusedontheapplicationogamifcationtokeychallengeslikestudentdebtandemergencysavings.Atthesametimethatgamifcationhasgrowninpopularitysmartphoneadoptionhasskyrocketedandromallaccountsisontherise.Attendeeswilllearnabouttheoutcomesgeneratedromtwohigh-proflenationalcompetitionsaimedatcatalyzingdevelopmentomoneymanagementappsorconsumers.Wewillshareourlearningsandprogressaswellasmanyotheresultingappsromoneothechallenges.RegencyF-HTherapeuticCommunicationsorClientsPresiderEthelTilleyKirtlandAFBNMUsingTherapeuticCommunicationtoHelpClientsinTransitionSusanKZimmermanMindfulAssetProgramsStevenD.ZimmermanMindfulAssetPlanningWhenclientsareexperiencingsignifcantchangeandstressitheightenstheneedorsensitiveandtherapeuticapproachesinfnancialcounseling.LearntoengageandacknowledgetheirHumanAssetsemotionsthinkingstylesvaluesandhopestocreatepositivesolutionsorgood.SusanZimmermanisalicensedtherapistandcharteredfnancialconsultantwhosbeenblendingpsychologyandmoneywithclientsormorethan25years.RedbudWomenUniqueMoneyIssuesPresiderNancyGranovskyTexasAMAgriLieExtensionServiceUniqueMoneyIssuesFacedbyWomenMartieGillenUniversityofFloridaIFASExtensionLyndaSpenceUniversityofFloridaIFASExtensionDiannDouglasUniversityofFloridaIFASExtensionThissessionwillprovideattendeeswithevidencebasedinormationregardingtheeconomicstatusowomenincludingtheimpactoliecyclechanges.Thissessionwillocusonthechangeswomenmayexperiencethroughouttheirliecycleandtheimpactothesechangesontheireconomicstatusincludingrecenttrendsinthelabororceandsignifcantissuessuchasthegenderwagegap.TealBallroom 13SymposiumScheduleThursdayNovember21100PM-150PMBreakoutContinuedNewToolsorEducatorsPresiderAlenaJohnsonUtahStateUniversityLoveYourMoneyNewToolsforEducatorsBarbaraA.MetzgerTheUniversityofTennesseeExtensionDenaWiseTheUniversityofTennesseeExtensionAnnA.BerryTheUniversityofTennesseeExtensionLoveYourMoneyhttploveyourmoney.orgisaprovenandsuccessulonlinefnancialeducationprogramdesignedtoprovidecollegestudentswiththetoolstheyneedtomanagemoneysetgoalsandsaveandinvestwisely.Firstimplementedin2009theonlinecoursewasredeployedin2012withneweaturesthatgreatlyexpanditsuseulnesstofnancialeducatorstargetingyoungadultsandcollegestudents.Inthissessionwewillreviewthewebsitelearningmodulestoolsresourcesandshareprojectlearning.Studio220NOMAB-CComprehensiveAssessmentPlanPresiderJanieBrightLGFCUCreatingaComprehensiveAssessmentPlanforFinancialCounselingandEducationDanielleChampagneUniversityofNorthTexasDoyourprogramsdriveyourdataordoyourdatadriveyourprogramsGetinthedriversseattounderstandandcreatethecomponentsoacomprehensiveassessmentplan.Assessmentplanswilladdressqualitycontrolprogrammingandstudentlearningoutcomesqualitativequantitativeassessmentquestionsandcratingcomponentstocreateasuccessulplan.Thissessionwillprovideanopportunityorfnancialliteracyeducatorsinallpositionsandassessmentknowledgelevelstoimproveyourassessmenteorts.Studio220NOMAA200PM-315PMPosterSessionPre-FunctionRegencyABIncreasingFinancialCapacityintheDigitalAgeUsingCouponsandRebatesDarleneChristensenUtahStateUniversityExtensionJoanneRouecheUtahStateUniversityExtensionAssetBuildinginRuralCommunitiesWallsandWindowsofOpportunityRosemaryKHeinsUniversityofMinnesotaExtensionCynthiaNeedlesFletcherIowaStateUniversityExtensionPatriciaD.OlsonUniversityofMinnesotaExtensionJeanneWarningIowaStateUniversityExtensionLynetteFlageNorthDakotaStateUniversityExtensionOverviewofHowaCollegeFinancialEducationProgramBuiltaFinancialEducationBrandErinWirthUniversityofNebraskaBonuIncomePlanADirectiveSavingsToolLucasMartinUtahStateUniversity 14SymposiumScheduleThursdayNovember21FinancialCounselingwithTaxpayersDuringVITATaxAppointmentsRebeccaJ.TravnichekUniversityofMissouriExtensionAndrewZumwaltUniversityofMissouriExtensionBehaviorChangeUsingWhatWorksAlenaC.JohnsonUtahStateUniversityLukeEricksonUniversityofIdahoExtensionCindyStokesUtahStateUniversityLucyDelgadilloUtahStateUniversityStudentMoansStudentLoans-ProvidingGuidancewithRepaymentPlanOptionsRachelGrimesUniversityofNorthTexasStudentMoneyManagementCenterPromotingAmericaSavesWeekThroughCommunityEngagementSharonPowellUniversityofMinnesotaExtensionMaryJoKatrasUniversityofMinnesotaExtensionLoriHendricksonUniversityofMinnesotaExtensionHowFinancialPlannersandEducatorsCanApplytheFreedomofInformationActAndrewZumwaltUniversityofMissouriExtensionAdamM.MakslIndianaUniversitySoutheastExploringLifeCycleHypothesisMarketImperfectionsandHomeownershipJorgeRuiz-MenjivarUniversityofFloridaMichaelGutterUniversityofFloridaMartieGillenUniversityofFloridaExaminingFactorsthatIncreaseCashiersID-CheckingBehaviorAnInvestigativeFieldStudyChristopherDowningJr.VirginiaTechUniversityMeganTuckerVirginiaTechUniversityNicoleCapriolaVirginiaTechUniversityE.ScottGellerVirginiaTechUniversityLearningThroughServingPreparingTodaysStudentsBecomeTomorrowsProBonoFinancialPlannersDorothyB.DurbandTexasTechUniversitySashaWhitleyTexasTechUniversityPurposiveBudgetingSocializationEffectsofMaternalCharacteristicsonCollegeStudentsFinancialOutcomesTaylorLynnSpanglerTheUniversityofFloridaDavidC.DiehlTheUniversityofFloridaMichaelGutterTheUniversityofFlorida200PM-315PMPosterSessionPre-FunctionRegencyAB 15SymposiumScheduleThursdayNovember21UpdatingtheNationalNormsorthePersonalFinancialWellnessScalePFWAimeeD.PrawitzProfessorEmeritusNorthernIllinoisUniversityJudithCohartPersonalFinanceEmployeeEducationFoundationEectivenessoPeerEducatorsinDeliveringFinancialLiteracyInormationPamelaChowUniversityofHawaiiStacy-annMiyashiroUniversityofHawaiiRositaChangUniversityofHawaiiBarbaraWatanabeUniversityofHawaiiDeanNushidaUniversityofHawaiiYourMoneyRelationshipAMarriageSurvivalLessonCarolynWashburnUtahStateUniversityExtensionDarleneChristensenUtahStateUniversityExtensionFinancialEducationLiteracyandCapabilityEvolvingConceptsandDefnitionsElizabethKissKansasStateUniversityTheValueoEngagingYouthinDecisionMakingLieSkillDevelopmentSaraCroymansUniversityofMinnesotaExtensionCarrieAnnOlsonUniversityofMinnesotaExtensionCommunityBasedParticipatoryActionResearchProcessinFinancialEducationLoriA.HendricksonUniversityofMinnesotaExtensionCindyM.PetersenUniversityofMinnesotaExtensionMoneyMattersPersonalFinanceorEntrepreneursJessicaEileenHillUniversityofGeorgiaCooperativeExtensionDeKalbCountyConsumersHealthInsuranceLiteracyvs.OverallFinancialLiteracyCathyFaulconBowenThePennsylvaniaStateUniversitySarahOsmanThePennsylvaniaStateUniversityInTheirOwnFinancialWordsThe2QInitiativeDanielleChampagneUniversityofNorthTexasDanielle-KameronLewellenUniversityofTulsaTheImpactotheEarnedIncomeTaxCreditontheEconomicWell-beingoRuralLow-incomeFamiliesKarenVarcoeUniversityofCaliforniaFrancisLawrenceLouisianaStateUniversitySheilaMammenUniversityofMassachusettsAdventuresinEducationAIEwebsite-AIE.orgRichardSappTGSpendingTrackingHabitsoPersonalFinancialPlanningStudentsAngelaK.MazzoliniRedtoBlackatTexasTechUniversity200PM-315PMPosterSessionPre-FunctionRegencyAB 16SymposiumScheduleThursdayNovember21DeterminantsoLong-TermCareInsuranceDecision-MakingAmandaBlancoUniversityofFloridaJorgeRuizMenjivarUniversityofFloridaBrittanyStahlUniversityofFloridaMichaelS.GutterUniversityofFloridaParentingStyleSel-ControlandtheUseoAllowanceTheImpactonMoneyManagementandFinancialEfcacySuzanneBartholomaeIowaStateUniversityShinyoungJeonIowaStateUniversityJonathanFoxIowaStateUniversityFinancialLiteracyandBehavioroCollegeStudentsintheUnitedStatesandJapanMakikoHashinagaTokyoGakugeiUniversityTakaoNishimuraYokohamaNationalUniversityHirokoKamataHokkaidoUniversityofEducationRaschAnalysisoaFinancialLiteracyMeasurementToolAnthonySetariUniversityofKentuckyR.ReneeSetariUniversityofKentuckyWhoGetsTheseLoansAnAnalysisoPredatoryLendingSaturationinMissouriGrahamMcCaulleyUniversityofMissouriExtensionLossoJoborPlantClosingsDontPanicTakeControloYourFinancesRebeccaJ.TravnichekUniversityofMissouriExtensionVivianMasonUniversityofMissouriExtensionMichaelRavenscraftUniversityofMissouriExtensionGrahamMcCaulleyUniversityofMissouri-ColumbiaTheFinancialHealthoMentalHealthProessionalsRacquelHeathTibbettsKansasStateUniversityLindaLeitzKansasStateUniversitySonyaL.BrittKansasStateUniversityBradleyT.KlontzKansasStateUniversityDoesRaceMatterortheBankAccountOwnershipoYoungPeopleJinheeKimUniversityofMarylandJung-EunKimUniversityofMarylandUiJeongMoonUniversityofMaryland200PM-315PMPosterSessionPre-FunctionRegencyAB 17SymposiumScheduleThursdayNovember21330PM-420PMBreakoutMilitaryFinancialBehaviorsPresiderLanetteKellyVirginiaCooperativeExtensionTheFinancialBehaviorsofSoldiersBeforeandAfterDeploymentMaryBellNationalAssociationofCountiesSonyaL.BrittKansasStateUniversityBrianaS.NelsonKansasStateUniversityThisresearchcapitalizesonthelatestfndingsromprimarydatacollectedataMidwesternU.S.Armyinstallation.ThepresentationwillgiveinsightintotheresultsotwofnancialsurveysadministeredtoSoldiersbeoreandatertheyletorayearlongdeploymenttoawarzone.Itwillthendiscusstheimplicationsromthestudiesandhowthisresearchwillcontinuetostrengthenmilitarypersonalfnanceprograms.RegencyF-HFinancialTherapyPresiderMartieGillenUniversityoFloridaFinancialTherapyHelpingClientswithMoneyasWellasMentalHealthProblemsMichaelGutterUniversityofFloridaJeanM.TheurerUniversityofFloridaWithoutasteadypaycheckadequatehomeequityastableretirementportolioorsufcientsavingstomeethouseholdexpensesmillionsoAmericansmaybeatriskormentalhealthoutcomessuchasdepressionanxietyandsuicide.Thissessionwillreviewtheresearchdocumentingtherelationshipbetweenfnancialstressandmentalhealthproblems.Wewillshareourexperiencesaswellasacilitateaconversationaboutnewapproachestocollaborateandconsultwithproessionalsinthefnancialplanningcounselingandtherapyfelds.RedbudYoungAdultFinancialChallengesPresiderVirginiaZuikerUniversityoMinnesotaExaminingtheFinancialChallengesofTodaysYoungAdultsJacquieCarrollAmericanStudentAssistanceLyssaL.ThadenAmericanStudentAssistanceJonathanSparlingAmericanStudentAssistanceAsproessionalsandadvocatesweotentrytoputourselvesinourclientsshoes.Andwhilewehavehonedourlisteningandcounselingtechniqueswithanewgenerationcomesnewchallengesandapproachestolie.Using2013datathissessionprovidesreal-lieexampleswithqualitativestoriesbackedbyquantitativeresearchonboththefnancialandpsychologicalchallengesthattodaysyoungadultsace.Attendeeswillwalkawaywithabetterunderstandingohowtosuccessullyengagethisgrouptohelpthemsetaoundationoruturefnancialsuccess.TealBallroom 18SymposiumScheduleThursdayNovember21330PM-420PMBreakoutContinuedTeacherTrainingModelPresiderRebeccaTravnichekUniversityoMissouriExtensionJumptartCoalitionTeacherTrainingModelHelpingTeachersBuildKnowledgeandConfdenceinPersonalFinanceSusanSharkeyNationalEndowmentforFinancialEducationDanHebertJumptartCoalitionforPersonalFinancialLiteracyLearnhowtoutilizetheJTTAModeltoprovideK-12teacherswithconsistentandeectiveproessionaldevelopmentthatimprovestheirownlevelofnancialliteracy.Deliveredasatoolkitthisstandardizedmodelwillhelptoboostcompetenceorteachersopersonalfnanceacrossdisciplinesregardlessowhichorganizationorinstitutiondeliversthetraining.SpecifcallylearnwhytrainingteachersiscriticaltothesuccessofnancialliteracyexaminetheormatandbestpracticestocustomizeandimplementtheJTTAModelbecomeamiliarwithstrategiestocompileassessmentdataorowneventslearnhowtoapplyorreeaccesstotheJTTAModelandoutlinestrategiestocollaboratewithlocalpartnerstoestablishandsustainqualityteachertrainingorK-12teachers.Studio220NOMAB-CCoachingCreditCounselingPresiderBarryWilkinsonUnitedStatesAirForceMoneyManagementCoachingCreditCounselingUsingthe8-StepCounselingCycleJimMurphyMarineCorpsCommunityServicesHSBnHQMCAyoungmarriedServicememberandparentwithoutenoughmoneytomakeittopaydayandstillhavingbillsandcreditobligationstopaythismontharrivesorahurriedlyscheduledappointment.ThissessiondescribesanapproachtocrisismanagementfnancialcoachingandcounselingusingtheDepartmentotheNavys8-StepCounselingCyclebasedonChapter9othePulvinoLeePulvinobookFinancialCounselingAStrategicApproache2.Thepresenterdescribesthechallengeso1acquiringallrelevantfnancialdata2constructingeasiblecoursesoactionwhichincludebelt-tightenedday-by-dayspendingplans3teachingtheclientsthenecessaryskillstoimplementandtracktheausterebudgetand4motivatingtheclientstostaywithit.ThepresenterprovidesaCDwithanabbreviatedcasestudyexamplesoday-to-daybudgetplansincomeandexpensestrackingsheetsanddebtpaymentplans.Studio220NOMAA430PM-545PMGeneralSessionRegencyC-E2BehavioralEconomicsJeanChatzkyFinancialEditorforNBCsTODAYshowawardwinningjournalistandauthor545PM-700PMBookSigningResourceCenterRegencyABBooksigningwithJeanChatzkyResourceCenterOpen 19SymposiumScheduleFridayNovember22800AM-950AMBreakoutMarriageandMoneyPresiderRosemaryHeinsUniversityoMinnesotaExtensionBarteringaTruceUtilizationoaBusinessNegotiationModeltoReduceConfictinMarriagesMichaelKothakotaWolfBridgeFinancialCorporationFinancialconfictcanoccurwithoutwarninginamarriageespeciallywhencommunicationisnotpresent.Byusingacombinationonon-violentcommunicationaninterest-basednegotiationmodelandsoundnancialprinciplesproessionalscanotensolvenancialconfictinmarriages.Avaluesandneeds-basedapproachcansetclientsontherightnancialpathYourMoneyRelationshipAMarriageSurvivalLessonCarolynWashburnUtahStateUniversityExtensionDarleneChristensenUtahStateUniversityExtensionMoneyisgenerallythe1issuecouplesargueabout.Helpingcouplesunderstandeachothersmoneystylesandhabitswillencouragethemtoworkornancialharmony.YourMoneyRelationshipwillbesharedduringthissession.ApartotheMarriageSurvivalTMcurriculumitisaneducationalpresentationthatincludesmulti-mediapresentationlessonguidehandoutsandactivities.RegencyF-HInteractiveFinancialToolsPresiderIreneLeechVirginiaTechUniversityCreatingaWebBasedFinancialChallengeElaineA.CourtneyUniversityofFLExtension-OkaloosaBarbaraONeillRutgersUniversityRickiMcWilliamsUniversityofFlorida-WaltonExtensionMichaelGutterUniversityofFloridaThisworkshopwillincludeinormationontherstonlineAmericaSavesFinancialChallengeoeredin2013.USDANIFACooperativeExtensionandAmericaSavesworkedtogethertodevelopthechallengeorindividualstotracktheirnancialbehavioroveraperiodoveweeks.LearnhowtheAmericaSavesFinancialChallengeworksandhowyoucanbeinvolvedin2014.TheBestCreditClassDemystiyingCreditReportsCreditScoresandCreditCardsSybleSolomonLifeWiseStrategiesLLCFunexperientialactivitiesdemystiycreditreportscreditscoresandthedosanddontsocreditcardsThistoolboxoeasyinteractivelessonsteachesandreinorcesbestpracticestobuildgoodcreditRedbud 20SymposiumScheduleFridayNovember22800AM-950AMBreakoutContinuedHomeownershipMortgagesPresiderDoraMaysUnitedStatesAirForceGuidingParticipantsthroughHomeownershipEducationNancyStehulakOhioStateUniversityExtensionMelindaHillOhioStateUniversityExtensionDoyoufndyoursellookingoraconcisecurrentpublicationtoguidehomeownersthroughhomeownershipTheHomebuyersGuidepublishedin2011isa65pageguidetohelpyouworkwithconsumersinterestedinlearningalltheycantoreadythemselvesorhomeownership.SeetheguideandlearnabouttheNationalStandardsorHomeownershipEducationinthisprogram.WhatDotheRecentChangesandTrendsinReverseMortgagesMeanforProfessionalsWorkingwithSeniorsCindyStokesUtahStateUniversityThispresentationseekstoaddresstheconcernssurroundingtheincreaseinreversemortgageRMdeaultsandthelossotheHECMStandardfxedinterestrateloanoptionaswellastoincreasepractitionerunderstandingoRMsasanoptionorseniorhomeownersseekingfnancialhelp.ProessionalsworkingwithseniorsshouldhaveadequateknowledgeaboutRMsandbeabletoreerseniorclientstoaRMcounselororadditionaldetailedandrequirededucationsothatseniorscaneectivelymakethebestdecisionspossibleandbesuccessulwhentheychooseaRM.TealBallroomBudgetingSavingPresiderRebeccaTravnichekUniversityoMissouriExtensionBudgetingfromtheHeartAddressingEmotionalDecisionsinMoneyManagementDanielleChampagneUniversityofNorthTexasFinancialcounselorsandeducatorscanteachtheirclientshardandastrulestomanagetheirmoneyromsettinggoalstocreatingabudgettorepairingtheircredit.Buttheserulesandprocedureswillnotalwaysworktotheirclientssuccessiweascounselorsandeducatorsdonotaddresstherootcausesoourclientsmismanagementomoney.Wemustidentiytheemotionalsideomoneymanagementanddecision-makingtohelpourclientsbetterortheshortandlongterm.SavingfortheUnexpectedInnovationstoHelpConsumersManageEmergenciesShaheenHasanD2DFundMelanieKwonDuchD2DFundInthispanelTheDoorwaystoDreamsFundD2Dwillhighlightproductinnovationsthathavehelpedconsumerssuccessullysaveoremergencieswhentheywerenotregularlysavingbeore.Giventhatthereisnouniversalsolutiontohelpconsumersmeettheirneedsorshort-termemergencysavingsD2Dhasbeenworkingonvariousinnovationstohelphouseholdscopewithemergenciesincludingasavingsonprepaidcardsaswellasbprize-linkedsavingsPLSaninnovationthatrewardsconsumersorsavingwithchancestowinprizesbasedontheirdepositactivity.Thepanelwillprovidefnancialeducatorsandcounselorswithbackgroundonthepressingneedorshort-termsavingsandshowcaseinnovationsthatcanhelptheirconsumersplanormanagingshort-termneedsincludingfnancialemergenciesStudio220NOMAA 21SymposiumScheduleFridayNovember22800AM-950AMBreakoutContinuedFinancialEducationPresiderBobbieShaettMississippiStateUniversityExtensionServiceMoneySmartBobbieGrayFDICLukeW.ReynoldsFDICThesessionwilloverviewbestpracticestodeliveringfnancialeducationandusingtheFDICsreeMoneySmartcurriculumasanexample.ThissessionwillequipAFCPEmemberstohelpyouthandadultsincludingthoseromamilieswhodonothaveabankaccountlearnthebasicsomoneymanagementandhowtoeectivelyworkwithfnancialinstitutionsandothercommunitystakeholderstohelptheindividualsgainaccesstoappropriatesavingsandbankingvehicles.LYFELivingYourFinancialExperienceJeanetteA.TuckerLSUAgCenterKimJonesLSUAgCenterKimBourgeoisLouisianaFederalCreditUnionMiaPerezLouisianaFederalCreditUnionSandyLambertLouisianaFederalCreditUnionAnthonyLandreneauLouisianaFederalCreditUnionParticipantsinthissessionwillexperienceandlearnhowtoaccessLYFELivingYourFinancialExperienceaturnkeyfnancialeducationprogramtargetingstudentsingrades6-12.DieringromtraditionalfnancialsimulationsLYFEemphasizestheimpactoeducationoncareersandearningpotentialbyutilizingbothstandards-basedinteractiveclassroominstructionandtheunoparticipatinginadynamictechnology-basedfnancialsimulationutilizingrealisticscenarioscomputersdebitcardsandon-linebanking.Studio220NOMAB-C950AM-1000AMBreakCoffeeBeverageBreakRegencyAB 22SymposiumScheduleFridayNovember221000AM-1150AMBreakoutTechnologyProessionalDevelopmentPresiderElizabethSpeckUsingTechnologytoChangeFinancialBehaviorsJinheeKimUniversityofMarylandLynnLittleUniversityofMarylandMiaRussellUniversityofMarylandAllisonSchroederUniversityofMarylandNancyLewisUniversityofMarylandInthesessionwewillexplainanddemonstratecomponentsoanonlinenancialeducationprogramthathasbeendevelopedbymembersotheUniversityoMarylandExtensionteam.Thepurposeotheprogramistoincreaseadultlearnersnancialknowledgeandespeciallytoempowerlearnerstochangetheirbehaviorsaroundretirementinvesting.Theprogramengagesavarietyoonlinetoolsandapplicationstoacilitatelearningandsustainbehaviorchange.MilitaryFamilyLearningNetworkOnlineProfessionalDevelopmentforPersonalFinanceManagersFinancialPositionAnalysisWebinarsandCaseStudyMichaelGutterUniversityofFloridaBarbaraONeillRutgersCooperativeExtensionMollyHerndonUniversityofFloridaIFASExtensionThissessionisaimedatmilitaryPersonalFinancialManagementProgramproessionalsthereservistcommunityandExtensionAgentswhoworkwithmilitaryclientele.Oursessionwillocusrstondiscussingtheusecreationandanalysisokeynancialstatementsincludingbalancesheetincomestatementbudgetstatementocashfowsandstatementochangesinnetworthorusewhenworkingwithmilitaryandnon-militaryamilies.SecondlyitwillshareourexperienceteachingnancialratiosonlinetoPFMsandothereducators.RegencyF-HBreakingOutwithLimitedIncomePresiderMarySpearNavyMoneymartinHeadStartIncreasingFinancialCapabilityofLimitedIncomeHouseholdsPeggyM.OliveUniversityofWisconsin-ExtensionKristiCuttsUniversityofWisconsin-ExtensionThispractitionersorumwillexaminehowaccesstovariousmethodsonancialeducationmayimprovenancialcapability-theabilitytomanageonesresourcesbasedonknowledgeskillsandaccessorlimitedincomeamilies.Baselineandollow-upsurveyresponsesromthisresearchprojectprovideinsightintotheextenttowhichnancialnewslettersworkshopsandcoachingimpactamiliesnancialattitudesandbehaviors.Inadditionnancialeducatorswillbenetromabetterunderstandingoapplicationsortheemergingapproachonancialcoachingthesuccessulintegrationonancialeducationintoexistinghumanserviceprogramsandidenticationoadditionalopportunitiestoincreasethenancialcapabilityolimitedincomehouseholds.PathwayoutofPovertyforSingleMothersJoanneRouecheUtahStateUniversityExtensionSinglemothersrepresentthelargestdemographicothepopulationinpoverty.Educationprogramsupportandmentoringcanoerapotentialpathwayoutopovertyandabrighterprospectortheiruture.Partotheirnanceeducationclassisbudgetingandorganizationonancialdocuments.ClassparticipantswillhaveaccesstothecompleteFamilyFinancialReadinessbindertaughtintheclassthatcanbeeasilyadaptedtootheraudiences.Redbud 23SymposiumScheduleFridayNovember221000AM-1150AMBreakoutContinuedGrowingWealthRiskTolerancePresiderBrendaVaughnTGWhatMakesWealthGrowIvanBeutlerBrighamYoungUniversityWealthgrowthopportunitiesaredifculttoobserveusingtraditionalfnancialstatements.Inthispaperawealthsensitivebalancesheetandincome-expensestatementispresentedtohelpidentiycorrectiveadjustmentsthatpromotewealthgrowth.Adjustmentsinvolvetheapplicationostraightorwardfnancialpracticese.g.pay-odebtlivewithinyourmeanssaveandinvest10oearnedincomere-investallinvestmentincomeandconvertexcessivedepreciatingassetsintowealthproducingassets.Alsodemonstratedishowtoanticipatethedollaramountowealthgrowthlikelytooccurromundertakingasetocorrectiveactions.DescribingRiskToleranceDoesaRiskCharacterizationPortraitExistJohnGrableUniversityofGeorgiaAbedRabbaniUniversityofGeorgiaDoesapersonsrisktolerancechangeromsituationtosituationordopeoplehaveastableriskportraitThispresentationwillhelpanswerthisquestionbyshowingthatrisktoleranceisnotentirelydomainspecifcbutratherageneralizedattitudeheldbyindividuals.Thepresentationwillprovidepractitionerswithhelpultechniquesthatcanbeusedwhenworkingwithclients.TealBallroomFinancialPractitionersInvestorEducationPresiderCindyPetersenUniversityoMinnesotaExtensionEducatorTheCultureofPersonalFinanceWhatFinancialPractitionersNeedtoKnowBarbaraM.ONeillRutgersUniversityThisworkshopwillpresentinormationabouttheimpactocultureuponpersonalfnanceattitudesandpractices.Culturedefnedascollectionosociallytransmittedbehaviorsandbeliesisalensthroughwhichpeoplevieweventsandmakedecisions.Thisworkshopwilldiscussteachingpersonalfnanceromamulticulturalperspectiveandfnancialcharacteristicsospecifcethnicgroups.Thisworkshopincludesa24-slidePowerPointpresentationandthreehands-onactivitiesFinancialCultureCoatoArmsBucketListandavaluesclarifcationactivity.EvaluationofanInvestorEducationProgramKristiLynWilkinsonUtahDivisionofSecuritiesJeanM.LownUtahStateUniversityLisaK.BoyceUtahStateUniversityUsingalogicmodelthisstudyevaluatedanInvestorEducationSeminartoassesstheeectivenessotheclassesinhelpingparticipantsimprovetheirfnancialcapability.Participantsandacomparisongroupcompletedpretestposttestandthree-monthollow-upsurveysmeasuringsatisactionknowledgeconfdenceattitudesandpractices.Althoughknowledgeandattitudesdidnotincreasesignifcantlyhierarchicalmultipleregressionrevealedasignifcantimprovementinfnancialconfdencescores.ManyparticipantsprogressedintheTranstheoreticalModeloChangetoahigherstageontheposttest.Studio220NOMAA 24SymposiumScheduleFridayNovember221000AM-1150AMBreakoutContinuedFinancialAidStudentLoansPresiderAngelaMazzoliniRedtoBlackatTexasTechUniversityCollegeFinancialLiteracyandFinancialAidThePerfectPartnershipMarkMielkeTexasAMUniversityCollegesareseekingtoestablishactivecost-efcientfnancialliteracyprograms.Comeseetheadvantagesohavingthecampusfnancialliteracyprogramlocatedwithinthefnancialaidofceandobtaintipsonstartingorenhancingyourownprogram.Presentationincludesacasestudytoenableattendeestobetterunderstandthevalueoknowledgeinassistingstudents.InsandOutsofStudentLoanRepaymentJoeBraxtonTGWhilestudentsreceiveinormationduringloancounselingtheyotenhavequestionsabouthowloanrepaymentworks.Thissessiondescribestherepaymentoptionsavailabletostudentsastheypreparetoentertheworkorce.TopicsincludetakinginventoryoyourstudentloansunderstandingtheavailablerepaymentplansincludingIncome-BasedRepaymentandtheadvantagesoeachreviewingthedetailsoconsolidationandlearningaboutdeermentorbearanceorgivenessandcancellationoptionsStudio220NOMAB-C1200PM-130PMAwardsLunchRegencyC-E2AwardsLunchLeslieGreen-PimentelAwardsTaskForceChair130PM-245PMGeneralSessionRegencyC-E2BuildingaCareerasanAFCStaciMintzPresidentof1stChoiceCounselingandEducation 25ABigThankYouToOurValuedSponsorsforthe2013AFCPEResearchTrainingSymposiumPartnerSponsorsDefenseCreditUnionCouncilWellsFargoScholarshipSponsorsFINRAFoundationBelvoirFederalCreditUnion 26YoureInvited2014AFCPEResearchTrainingSymposiumNovember19-212014HyattRegencyBellevue900BellevueWayNEBellevueWA98004SingleDoubleOccupancy159.00pernightTripleOccupancy184.00pernightQuadrupleOccupancy209.00pernightBookyourreservationsPhone425-462-1234Formoreinformationanddetailsontheconferencevisitwww.afcpe.orgconference