This recently updated guide produced by the Bureau of Consumer Financial Protection (BCFP) and the Federal Deposit Insurance Corporation (FDIC) provides information on common frauds, scams and other forms of elder financial exploitation and suggests steps that older persons and their caregivers can take to avoid being targeted or victimized.The mission of the BCFP, a government agency, is to make markets for consumer financial products and services work for consumers by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. The FDIC is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system.
Recently updated, this guide, in easy-to-read 14 point font, provides information on common frauds, scams and other forms of elder financial exploitation and suggests steps that older persons and their caregivers can take to avoid being targeted or victimized.
As a parent, you want the best for your kids. You work hard to provide them with every advantage. You want them to be safe, smart and healthy. Yet when it comes to money, it’s a whole different story. If you’re like most people, you’d rather run a mile through a desert with a camel on your back than talk about money with your children. Are you going to follow in your parents’ footsteps, keeping financial matters a deep, dark secret? Or do you want your children to have a healthy, balanced attitude toward money? Then it’s time to pull your head out of the sand and roll up your sleeves. Gail Vaz-Oxlade, Canada’s #1 personal finance expert, believes that teaching kids about money is a parent’s job. She knows that building confidence and money skills starts with an age-appropriate allowance to help your kids accomplish important tasks: Making saving a habit Learning the difference between needs and wants Using the “magic jars” to balance competing goals Creating lifelong money management skills What better gift could you give your children than the confidence to control their money, rather than letting their money control them? Let Gail help you raise “Money-Smart Kids.”
The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."
Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.
From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.
Author, activist, and TED speaker Ashton Applewhite has written a rousing manifesto calling for an end to discrimination and prejudice on the basis of age. In our youth obsessed culture, we’re bombarded by media images and messages about the despairs and declines of our later years. Beauty and pharmaceutical companies work overtime to convince people to purchase products that will retain their youthful appearance and vitality. Wrinkles are embarrassing. Gray hair should be colored and bald heads covered with implants. Older minds and bodies are too frail to keep up with the pace of the modern working world and olders should just step aside for the new generation. Ashton Applewhite once held these beliefs too until she realized where this prejudice comes from and the damage it does. Lively, funny, and deeply researched, This Chair Rocks traces her journey from apprehensive boomer to pro-aging radical, and in the process debunks myth after myth about late life. Explaining the roots of ageism in history and how it divides and debases, Applewhite examines how ageist stereotypes cripple the way our brains and bodies function, looks at ageism in the workplace and the bedroom, exposes the cost of the all-American myth of independence, critiques the portrayal of elders as burdens to society, describes what an all-age-friendly world would look like, and offers a rousing call to action. It’s time to create a world of age equality by making discrimination on the basis of age as unacceptable as any other kind of bias. Whether you’re older or hoping to get there, this book will shake you by the shoulders, cheer you up, make you mad, and change the way you see the rest of your life. Age pride! “Wow. This book totally rocks. It arrived on a day when I was in deep confusion and sadness about my age. Everything about it, from my invisibility to my neck. Within four or five wise, passionate pages, I had found insight, illumination, and inspiration. I never use the word empower, but this book has empowered me.” —Anne Lamott, New York Times bestselling author
There’s no need to spend hours trying to come up with creative programming ideas—bestselling library activity guru Kroski has already done all the hard work for you! Largely drawn from contributions by library workers across the country, this e-book is a cornucopia of ready-to-go activities, easily accessible resources, and adaptable tools for inspiring countless fun and engaging programs at your library. Best of all, these exciting low cost/no-cost library programs can be implemented using only free resources. Offering a broad selection of ideas for adults, tweens, and younger children that can be tailored to a variety of contexts, inside this sourcebook you’ll discover seniors and older adult programming resources on such topics as genealogy, financial literacy, lifelong learning, gardening, and health and wellness; career, ESL/literacy, and "just for fun" programs and book clubs perfect for adults; young adult programming resources such as the Book to Action toolkit, YALSA’s Teen Programming Guidelines, literacy and educational resources, computers and coding activities, live action roleplaying games (LARPS), and many more; free resources to teach financial responsibility to toddlers, lesson plans from NASA, resources to host an Earth Day event incorporating a “free trees for kids” program, StoryWalks and more ideas for children; makerspace, STEM, and art programming resources; Pinterest boards, idea lists, writing prompts, coloring pages, free books, and passive programming downloadables and printables; information about more than two dozen grant opportunities for funding programs; and planning templates, marketing tips, assessment resources, and tools for brainstorming and productivity.
