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Seminar Resources
  Better
Business Bureau
The Better Business Bureau (BBB) system in the U.S. extends
across the nation; coast-to-coast, and in Hawaii, Alaska and Puerto
Rico. Since the founding of the first BBB in 1912, the BBB System has
proven that the majority of marketplace problems can be solved fairly
through the use of voluntary self-regulation and consumer education.
The BBB has a program dedicated to servicemembers and their families,
BBB Military
Line®, which provides educational workshops, monthly e-newsletters
and timely alerts on consumer issues facing military personnel.
Call
for Action
Call For Action, Inc. (CFA) is an international, nonprofit
network of consumer hotlines affiliated with local broadcast partners.
Our services are free, confidential and available to individuals as
well as small businesses. Volunteer professionals in offices around
the world are trained to assist consumers through mediation and education
in order to resolve problems with businesses, government agencies and
other organizations.
Center
for Responsible Lending
The Center for Responsible Lending is a nonprofit, nonpartisan
research and policy organization dedicated to protecting homeownership
and family wealth by working to eliminate abusive financial practices.
Consumer
Credit Education Services
The Centers for Financial Education (Centers), a nonprofit,
educational organization, are a division of Money Management International,
the nation's largest full-service credit counseling agency, headquartered
in Houston, Texas. Money Management International (MMI) and its Consumer
Credit Counseling Service agencies have been helping consumers regain
financial control of their lives and reduce their debt liabilities since
1952.
The Centers promote financial skills by conducting programs
in Arizona, California, Colorado, Connecticut, Illinois, Louisiana,
Maine, Massachusetts, New Jersey, New Mexico, Pennsylvania, Rhode Island,
Texas, and Virginia. We also have educational staff located in other
Regions.
Our highly trained professionals conduct hundreds of programs
each year that focus on the development of skills that improve spending
habits, increase savings, and teach the wise use of credit. More specifically,
we offer practical education courses on homeownership, budgeting, and
how to get out of debt and stay out of debt. The Centers are approved
by the Executive Office of the United States Trustee (EOUST) to deliver
bankruptcy education services. From personal finance teacher's resources
for children to practical money management tools, the Centers exist
to serve consumers.
Visit www.crediteducation.org
to view our calendar of events and to learn more about the Centers.
For more information call 800-208-2227.
Federal
Deposit Insurance Corporation
 FDIC
is committed to working diligently to form alliances with other major
entities over the next 5 years, including financial institutions, bank
trade associations, national non-profit organizations, community -and
consumer-based groups, and federal, state and local agencies.
FICO:
Understanding Your Credit Score
Financial
Planning Association
 The
Financial Planning Association® is the leadership and advocacy organization
connecting those who provide, support and benefit from professional
financial planning. FPA believes that everyone, no matter what their
situation or economic status, can benefit greatly from the experience
and advice of a competent, ethical financial planner. FPA offers a variety
of educational resources on financial planning including seminars, an
e-mail hotline, a financial planner referral service, literature and
pro bono counseling for military personnel and their families. Visit
FPA at www.FPAnet.org/Public
to learn more.
FMK
Credit Education Center - Florence King
FMK Credit Education Center has emerged as one of the leaders
in educating the consumer on their rights to apply federal regulations
to protect them from unfair credit practices. With over 20 years of
experience in the credit industry, our consultancy of highly experience
credit counselors are dedicated in achieving drastic improvements in
our clients personal credit. We can identify industry strategies that
affect the outcome of credit approval. We have saved our clients hundreds
of dollars by simply increasing the awareness of credit practices that
reduces their chances of getting the best deals, interest rates and
lines of credit. Our track record of placing this type of research,
information and knowledge in the hands of the consumer who participate
in one of our seminars, workshops or lectures. We have provided professional
credit services to financial institutions, real estate agencies, mortgage
companies, government agencies, schools, churches and a wide range of
non-profit organizations.
Foundation
for Financial Planning
The Foundation for Financial Planning is committed to
helping people take control of their financial lives. Find out how you
too can make a difference by clicking here.
 Freddie
Mac
Every day Freddie Mac helps millions of families in neighborhoods across
America buy their own homes or enjoy quality and affordable rental housing.
How? We link homeowners and renters to the world's capital markets.
It is a unique mortgage finance system that makes homeownership a reality
for more of America's families. To make home possible for America’s
families, at Freddie Mac we:
- reduce the costs of housing finance
- expand housing opportunities for all families, including low-income
and minority families
- initiate community development lending projects
- promote consumer education to improve financial literacy
- help build strong families and thriving neighborhoods in the communities
we help finance.
HomeFree-USA
To Grow Financially, homeownership is essential. HomeFree-USA's
primary purpose is to enrich the lives of its members by educating them
on consumer credit, mortgage financing and homeownership. Since its
inception in 1995, HomeFree-USA has educated over 20,000 families. We
have assisted more than 2,400 families in the purchase of their homes
since 1998. Additionally, HomeFree-USA has maintained a zero foreclosure
rate among its members, due to our unparalleled model for providing
pre-purchase counseling and education and post-purchase follow-up.
 Illinois
Department of Financial & Professional Regulation
There are times in every person's life when understanding how money
works helps when making major decisions. Opening a bank account? Moving
into your first apartment? Buying a car? Getting your first credit card?
For each of these life-changing experiences, there are things you need
to know to allow you to make wise decisions about the best option for
you. In Illinois, the IDFPR licenses and regulates almost all the professionals
and financial institutions you'll use to make these choices. Financial
Literacy 101 has been designed to make your decisions easier with
less aggravation, and protect against unnecessary loss of time and money.
InCharge
Institute
InCharge Debt Solutions is part of the InCharge Institute
of America, Inc., one of the nation's leading financial wellness organizations.
InCharge is a non-profit community-service organization offering confidential
and professional credit counseling, debt management, and financial education
programs to individuals nationwide. InCharge is committed to providing
services that help consumers pay off their debts and achieve financial
independence.
Investment
Company Institute
The Investment Company Institute (ICI) is the national association of
U.S. investment companies. Founded in 1940, its members serve 93.9 million
individual shareholders and manage $9.6 trillion in investor assets.
Mass
Mutual Financial Group
MassMutual's Retirement Services Division has been serving retirement
plans for more than 60 years. It offers a full range of products and
services for corporate, union, nonprofit and governmental employers'
defined benefit, defined contribution and nonqualified deferred compensation
plans. It serves approximately one million participants
Military
OneSource
Whether it's help with child care, personal finances, emotional
support during deployment or other information and resources needed
for special circumstances, Military OneSource is there for personnel
and their families... 24 / 7 / 365!
Military
Saves ~ America Saves
America Saves is a nationwide campaign in which a broad coalition of
nonprofit, corporate, and government groups helps individuals and families
save and build wealth. Through information, advice, and encouragement,
we assist those who wish to pay down debt, build an emergency fund,
save for a home, save for an education, or save for retirement.
Many believe that low- and moderate-income families cannot
afford to save and build wealth. Yet research shows that there are "savers"
and "spenders" in all income classes. While those with modest
incomes cannot save as much as the affluent, almost all have the ability
to build wealth over time. Through contributions to a workplace retirement
program, home purchase, and other savings, during their working years
most can accumulate six-figure assets. The goal of the campaign is to
convince all Americans that they can build wealth and to assist them
in doing so.
We find it useful to see individual Americans on a ten
mile path to saving. Those that haven't walked a mile don't understand
the importance of saving, so don't save. Those at mile three are aware
of this value, but don't believe they are capable of saving, so don't
do so. Those at mile six see the importance of saving and think they
might be able to do so, but haven't started yet. Those at mile seven
have begun to save. Those at mile ten are saving as effectively as they
can, which also means that they are effectively managing their money
and debts.
We encourage all Americans, especially the financially
vulnerable, to travel down this saving path, keeping in mind it is difficult
to move more than a mile or two at a time. If many Americans start moving
down the path, then the whole country will place greater importance
on saving. Parents, schools, employers, financial institutions, government
agencies, the press, and nonprofit groups will increasingly focus attention
on wealth-building and assist those they serve to do so. As a result,
it will become much easier for everyone to save and build wealth.
National Military
Family Association
 National
Military Family Association: NMFA provides resources and support to
families of the Air Force, Army, Navy, Marine Corps, Coast Guard, NOAA
and PHS. NMFA initiatives include Operation Purple camps, spouse scholarships,
volunteer awards and more.
Money and Mobility— Military life means
frequent relocations. To help your family prepare financially for a
life of moves, the National Military Family Association and the National
Endowment for Financial Education developed a booklet to help you manage
the challenges that accompany your lifestyle. To find out more, go to
www.nmfa.org and look
for resources specifically designed for the military.
Path
to Investing
 Path
to Investing—Leading the Way to Financial Knowledge contains
a wide array of commercial-free and product-free information from basic
investing to asset allocation to saving for college to retirement planning.
The site twice earned accolades from Barron’s, including
a nod as a “must” for beginning investors (2006) and “one
of the best investment education sites on the Web (2003).” On
Wall Street magazine said the site “provides an objective
tutorial that would fit into any advisor’s introductory presentation
to prospects.” Newsweek featured Path To Investing among
five key sites it recommended for those who want to be smarter about
money (2006). The American Library Association rated it "Best Business
Web Site: Financial Markets and Investments" in 2006. “Path”
is sponsored by the Foundation for Investor Education a non-profit affiliate
of the Securities Industry and Financial Markets Association.
Small Business Administration
USAA
 USAA
provides products and services dedicated to helping military members
and their families reach their financial goals. We offer:
- Competitive rates
- Free financial advice
- World-class service
- Assistance during major life events
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