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Financial Security in Later Life National Initiative Roll-Out Conference March 19-22, 2002 Myrtle Beach, South Carolina Conference Objectives: 1. To strengthen Cooperative Extension’s capacity to deliver personal finance education leading to financial security in later life; 2. To clearly articulate the research/discovery base which provides the foundation for Extension’s critical role in addressing this issue; and 3. To be the catalyst for a) launching local, statewide, and multi-state programs; b) building strategic partnerships for funding and other resources; c) modeling use of web as a resource for program design, delivery, and evaluation; and d) assuring solid evaluation procedures leading to documented program impacts. At the conference, participants will: 1. understand the research/discovery base and Extension’s role in facilitating learning for individuals and families; 2. receive a toolkit of educational strategies ready to deliver with targeted audiences; 3. be introduced to potential funding sources; and 4. build local, state, and multi-state plans for program delivery and evaluation. The Financial Security in Later Life Initiative Management Team sincerely hopes you go home with the knowledge, skills, tools, resources, and motivation to help individuals and families take the road to financial security in later life. N.I.M.T. Members Table of Contents Conference Objectives................................................................................................................................... 1 Table of Contents ..........................................................................................................................................2 Conference Program......................................................................................................................................3 Financial Security in Later Life- Initiative Positioning Strategies.................................................................8 From Research to Reality: A Roadmap to Financial Security in Later Life .................................................9 Cooperative Extension Takes the Lead on America Saves..........................................................................11 Farm Family Retirement and Succession Planning......................................................................................12 A Retirement Estimator for Farm Families..................................................................................................13 Your Future Paycheck - What Women Need to Know................................................................................14 Investing for Your Future ............................................................................................................................15 Legal Checkup Seminar - Are You Legally Healthy? .................................................................................17 Critical Conversations About Long-Term Care...........................................................................................18 Reaching the Taget Audience - Reaching Women ......................................................................................19 Development of a Guidebook to Help Late Savers Prepare for Retirement ................................................20 Long-Term Care Insurance: Improving Consumer Education....................................................................22 Plan Well, Retire Well: Your How to Guide..............................................................................................24 Planning for a Secure Retirement ................................................................................................................25 Education in a New Age: Issues and Approaches.......................................................................................26 Using the FSLL Web Site as a Frontline Tool.............................................................................................27 Financial Security Guidebook .....................................................................................................................28 Program Showcase ...................................................................................................................................... 29 Participants....................................................................................................................................30 Table of Contents ..........................................................................................................................31 Speakers List ............................................................................................................................................... 68 National Initiative Management Team ........................................................................................................ 78 Conference Participants............................................................................................................................... 82 Conference Program and Proceedings edited by Nancy M. Porter, Ph.D., Professor/Extension Family Resource Management Specialist, Clemson University, and Sommer Clarke, Program Assistant, USDA/CSREES. 2 Financial Security in Later Life National Initiative Roll Out Conference Program March 19 - Tuesday – Tuesday March 1:00 – 5:00 PM Registration………………………………………………..…….Foyer 1:00 – 4:00 PM National Initiative Management Team Meeting………..…….Board Room March 20 - Wednesday 7:30 – 9:00 AM Registration……….…………………………………………….Foyer 8:00 – 9:00 AM Continental Breakfast………………………………………….Foyer 9:00 – 9:15 AM Opening Session………………………………..…………...….Grand Ballroom "Welcome" "National Initiative Management Team Introductions" Nancy Porter "Financial Security in Later Life – Initiative Positioning Strategies" Jane Schuchardt 9:15 – 10:45 AM "From Research to Reality: A Roadmap to Financial Security in Later Life" Marlene Stum 10:45 – 11:00 AM Break…………………………………………………………..Foyer 11:00 – 12:00 PM "Cooperative Extension Takes the Lead on America Saves"….Grand Ballroom Steve Brobeck Elizabeth Kiss Presider: Barbara Rowe 12:00 – 1:00 PM Box Lunch……………………………………………….…….Foyer 1:00 – 2:00 PM Break Out Sessions (Group A) 1. "Farm Family Retirement and Succession Planning" and "A Retirement Estimator for Farm Families"….…..…..Grand Cayman Sharon DeVaney Janet Bechman Presider: John Baker 2. "Motivating Consumers to Build Wealth, Not Debt"………Montego/Bahama Michael Avery Rebecca Haynes-Bordas Presider: Jeanette Tucker 3. "Your Future Paycheck – What Women Need to Know"….Aruba/Bermuda Cindy Hounsell Pat Humphlett Presider: Dora Rumsey 3 2:10 – 2:15 PM General Session………………………………………………..Grand Ballroom "Introduction of State and Local Planning Team Concept Suzann Knight 2:15 – 3:15 PM "Investing For Your Future: A Resource to Increase Americans' Financial Security" Barbara O'Neill Presider: Suzann Knight 3:15 – 3:30 PM Break……………………………………………………….…...Foyer 3:30 – 4:30 PM Break Out Sessions (Repeat Group A) 1. "Farm Family Retirement and Succession Planning" and "A Retirement Estimator for Farm Families"….…..…....Grand Cayman Sharon DeVaney Janet Bechman Presider: Nancy Granovsky 2. "Motivating Consumers to Build Wealth, Not Debt"….……Montego/Bahama Michael Avery Rebecca Haynes-Bordas Presider: Carolynn Wilson 3. "Your Future Paycheck – What Women Need to Know"…...Aruba/Bermuda Cindy Hounsell Pat Humphlett Presider: Claudette Smith Program Showcase Set Up……………………………….....…Grand Ballroom 4:30 – 6:00 PM Reception Program Showcase..………………….…………………..…..Grand Ballroom Janet Bechman Sommer Clarke Barbara Rowe Presider: Jeanette Tucker March 21 -Thursday 7:30 – 8:15 AM Continental Breakfast………………………………...……..…Foyer State and Local Teams Planning Session Presider: Suzann Knight 8:15 – 8:45 AM General Session……………………………………...…….......Grand Ballroom "I-N-I-T-I-A-T-I-V-E: How do you spell success?" Colien Hefferan James Wade "Welcome to South Carolina" Dan Smith Presider: Jane Schuchardt 4 8:45 – 9:45 AM "Legal Check Up Seminar: Are You Legally Healthy?"………..Grand Ballroom Jan Bennett Jane Margesson 9:45 – 10:45 AM "Critical Conversations About Long-Term Care" Marlene Stum Presider: Nancy Granovsky 10:45 – 11:00 AM Break……………………………………………………..…….Foyer 11:00 – 12:00 PM Break Out Sessions (Group B) 1. "Development of a Guidebook to Help Late Savers Prepare for Retirement"………………….….……Montego/Bahama Lance Palmer Barbara O'Neill Presider: Jinhee Kim 2. "Long Term Care Insurance: Improving Consumer Education"………………………………………..….…..Grand Ballroom Marlene Stum Paul McNamara Mary Ellen Rider Ron Wall Presider: Claudette Smith 3. Retirement Planning Programs a. "Plan Well, Retire Well: Your How to Guide"……...….Aruba/Bermuda Ellen Burton Karen Chan Pat Hildebrand Jennifer Hunt Angela Lyons b. "Planning for a Secure Retirement" Janet Bechman Sharon DeVaney Presider: Barb Rowe 12:00 – 1:00 PM Box Lunch……………………………………………..…....Foyer 1:00 – 2:15 PM General Session…………………………………………….Grand Ballroom "Education in a New Age: Issues And Approaches" Don Blandin Denni Maynard 2:15 – 3:15 PM "Reaching the Target Audience Panel" Arnaa Alcon Denise Murray Presider: Dora Rumsey 3:15 – 3:30 PM Break………..……………………………………….…..…Foyer 5 3:30 – 4:00 PM General Session………………………..……………………...Grand Ballroom "Balancing High-Tech and High-Touch" Neal Vines 4:00 - 4:30 PM "Creative Resource Development" Sue Maes Presider: Nancy Porter 4:30 – 5:30 PM Break-Out Sessions (Repeat Group B) 1. "Development of a Guidebook to Help Late Savers Prepare for Retirement"…………………………………..…Montego/Bahama Lance Palmer Barbara O'Neill Presider: Rich Poling 2. "Long Term Care Insurance: Improving Consumer Education"……………………………………………….…..Aruba/Bermuda Marlene Stum Paul McNamara Mary Ellen Rider Ron Wall Presider: John Baker 3. Retirement Planning Programs a. "Plan Well, Retire Well: Your How to Guide"…..………..Grand Ballroom Ellen Burton Karen Chan Pat Hildebrand Jennifer Hunt Angela Lyons b. "Planning for a Secure Retirement" Janet Bechman Sharon DeVaney Presider: Jinhee Kim March 22 - Friday 7:30 – 8:15 AM Continental Breakfast…………………………………………..Foyer State and Local Teams Planning Session Presider: Suzann Knight 8:15 – 9:15 AM General Session………………………………..…..……….…..Grand Ballroom "Using the FSLL Web Site as a Frontline Tool" NIMT Members 9:15 – 9:45 AM "Financial Security Guidebook" Janet Bechman 9:45 – 10:45 AM "Evaluation and Program Impact Documentation" Richard Poling Presider: Nancy Porter 6 10:45 – 11:15 AM Break……………………………………………………..….…Foyer Hotel Check Out 11:15 – 12:15 PM General Session……………………….……………..………..Grand Ballroom "Financial Security in Troubled Times" Ric Edelman Presider: Jane Schuchardt 12:15 – 12:30 PM "Evaluation Tool for Future Initiative Planning" Dora Rumsey Richard Poling 12:30 PM Conference Adjourns SPECIAL NOTES: Your name tag is your official entry into the sessions and meals for this conference. Please wear it to all functions. We are at full capacity for this conference. Please move all the way to the front of rooms and to the center of rows when you are seated to avoid last minute seating problems. State Contacts – Be sure to sign up to order copies of the Roadmap brochures for your state at the registration desk. This conference has been approved for 18 Professional Development Units (PDUs) for Certified Family and Consumer Sciences (CFCS) professionals. Certificates are available at the registration desk. This conference has been approved for 16.25 Continuing Education Credits for Accredited Financial Counselors (AFC). Certificates are available at the registration desk. Please sign your name on the list that will be sent in to the Institute for Personal Finance for you to receive the credit. Smoking is prohibited in all sessions and functions of the conference. Thank you. 7 Initiative Timeline • • November 1999 – Idea emerged June 2000 – White paper submitted to ECOP October 2000 -- ECOP approved Initiative April 2001 – ECOP approved Initiative team May 2001 – Five-year implementation plan submitted to ECOP March 20-22, 2002 – Roll-out conference, Myrtle Beach, SC Mid-year 2006 – Initiative expected to be retired by ECOP • • • • • Building Blocks 1. 2. 3. 4. 5. Strong educational message Clear and consistent communication Insights for and from research Targeted audiences New and adapted educational programs 6. Strategic partnerships 7. National coordination with local application 8. Multidisciplinary 9. Blend of electronic and face-to-face educational strategies 10. Continuing capacity building for community educators 11. Targeted resource development 12. Comprehensive, results-oriented evaluation Visit the Initiative web site: www.reeusda.gov/financialsecurity "Ownership for all -- security for all -- personal independence -a dignified and secure retirement for all. That is the purpose of this summit. It is the vision of my Administration. It is the promise of America -- and we must fulfill that promise for all Americans." -- President George W. Bush 2002 National Summit on Retirement Savings Washington, DC, February 28, 2002 "In considering means to improve the financial status of families, education can play a critical role by equipping consumers with the knowledge required to make wise decisions when choosing among the myriad of financial products and providers." -- Alan Greenspan, Chairman Board of Governors of the Federal Reserve System Hearing on “ The State of Financial Literacy and Education in America, “ US Senate Committee on Banking, Housing, and Urban Affairs Washington, DC, February 5, 2002 "The Cooperative Extension Initiative Financial Security in Later Life is well positioned for success. The topic gets discussed daily around kitchen tables all across America and at the highest levels of government, business, and non-for-profit organizations. The National Initiative Team is a powerful blend of talented leaders with creative vision and a focus on results. Our network of community-based educators are masters at bringing behavior-changing learning opportunities to real people where they live and work. We have the support of many Directors and Administrators of Extension at Land-Grant Universities across the country; administrators at USDA Cooperative State Research, Education, and Extension Service, and executives of major organizations wishing to form partnerships with us. A tremendous opportunity lies before us. Capture the moment . . . enjoy the journey. " -- Jane Schuchardt, National Program Leader USDA Cooperative State Research, Education, and Extension Service March 2002 8 Program Title: "From Research to Reality: A Roadmap to Financial Security in Later Life" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Marlene S. Stum, University of Minnesota (Presenter) Suzann Enzian Knight, University of New Hampshire Janet Bechman, Purdue University Sommer Clarke, CSREES Abstract: Existing research suggests that there are multiple and complex factors impacting an individual’s financial security in later life. This session focuses on summarizing the risk and protective factors impacting later life financial security from a systems perspective as an important research-based framework guiding the initiative. Participants will then gain experience with a newly developed curriculum designed to improve overall financial literacy regarding later life financial security. "Take the Road to Later Life Financial Security" is designed to help baby boomers assess their preparedness for later life financial security and create a plan of action to meet their personal needs and goals. The road trip includes three important mileposts: Plan, Act, and Evaluate with a final destination of achieving financial security for yourself and important others. Available teaching tools in the curriculum will be introduced. Learn how this curriculum can be used as an introduction to more in-depth educational programs to help reach the initiative objectives. For More Information Contact: Marlene Stum, Associate Professor University of Minnesota 290 McNeal Hall, 1985 Buford Avenue, Family Social Science St. Paul, MN 55108 Phone Number: 612-625-4270 Fax Number: 612-625-4227 E-mail: mstum@che.umn.edu Web Address: http://fsos.che.umn.edu/stum/ To access curriculum: Visit http://fsos.che.umn.edu/stum (available to download in PDF format using Adobe Acrobat). Introductory brochure can be ordered directly from Jane Schuchardt, USDA/CSREES (details available on web page). 9 Specific Objectives: Participants will: 1. Recognize common factors that increase an individual’s risk of facing later life financial insecurity; 2. Identify reasons why achieving later life financial security can be rewarding for themselves and others; 3. Understand the importance of planning ahead for a long and vital life; 4. Identify specific action steps that can help protect one’s later life financial security; 5. Recognize the importance of evaluating existing plans and action and making changes as needed; 6. Assess their personal progress in planning, acting, and evaluating mileposts along the road to financial security; and 7. Discover research-based resources and tools to help make more informed decisions. Target Audience: Baby boomers (born between 1946 and 1964) who are: • planning for changes in work/retirement • looking toward later life • dealing with aging parents Curriculum components: • Facilitator’s Guide • PowerPoint presentation • Participant handouts (introductory brochure, fact sheet, assessment checklist, introductory exercise, evaluation) Notes: 10 Program Title: "Cooperative Extension Takes the Lead on America Saves" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Stephen Brobeck, Executive Director, Consumer Federation of America Elizabeth Kiss, Assistant Professor and Extension Specialist, Purdue University Abstract: America Saves is a national campaign that encourages all Americans to build wealth, not debt, through saving and investing. America Saves drew inspiration and instruction from Cooperative Extension's successful Money 2000™ program. Taking what we learned from Money 2000™, the America Saves – Cooperative Extension program is an easy to implement program with several options for Extension agents to get involved. It is also a component of the Financial Security in Later Life Initiative. Learn why motivating people to save is so critical to later life financial security, what the key America Saves – Cooperative Extension program components are, and how you can participate in this exciting partnership between the Land-Grant/Cooperative Extension System and America Saves. For More Information Contact: Web Address: http://www.reeusda.gov/financialsecurity/ Notes: 11 Program Title: "Farm Family Retirement and Succession Planning" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Sharon DeVaney, Associate Professor, Department of Consumer Sciences and Retailing, Purdue University Abstract: Between January and May of 2001, I conducted interviews and focus groups with families from farms of different sizes and types in several states. The study was funded by the U.S. Department of Agriculture and the National Endowment for Financial Education. The purpose of the study was to obtain information about plans for the future, identify any perceived barriers to planning, and offer suggestions for education and research. Farmers prepared in different ways for retirement. Many will continue to be involved with farming, but they will work fewer hours. Barriers included the feeling that they couldn't afford to retire or the lack of a successor. A change in health status offer triggered the idea that it was time to reduce work. Farm transfer was unique to each farmer. Turning the farm property into a flow of income and the communication between older and younger generations were important components of transferring the farm. Many families expressed concerns about their current cost for health care and about the potential need for long-term care in the future. For More Information Contact: Sharon A. DeVaney, Associate Professor Purdue University Consumer Sciences and Retailing, 216 Matthews Hall West Lafayette, IN 47907-1262 Phone Number: 765-494-8300 Fax Number: 765-494-0869 E-mail: sdevaney@purdue.edu Notes: 12 Program Title: "A Retirement Estimator for Farm Families" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Sharon DeVaney, Associate Professor, and Janet Bechman, Extension Specialist, Department of Consumer Sciences and Retailing, Purdue University Abstract: Many farmers retire gradually, simply slowing down in their farming activities. However, some farm families might want to know if they can financially afford to retire. This distance learning program is designed to help these families determine their potential expenses in retirement and what their retirement income might be. Families are asked about current expenses, desired lifestyle in retirement, life expectancy, Social Security benefits, other retirement income, assets, and liabilities. Sources and links to additional information and more detailed estimates are also provided. None of the information provided by the user is kept once the user exits the Retirement Estimator. For More Information Contact: Sharon A. DeVaney, Associate Professor Purdue University Consumer Sciences and Retailing, 216 Matthews Hall West Lafayette, IN 47907-1262 Phone Number: 765-494-8300 Fax Number: 765-494-0869 E-mail: sdevaney@purdue.edu Web Address: http://www.ces.purdue.edu/farmretirement Order Materials From: Program is entirely web-based. Notes: 13 Program Title: "Your Future Paycheck – What Women Need to Know" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Cindy Hounsell, Executive Director, WISER Pat Humphlett, Program Director, WISER Abstract: The Women’s Institute for a Secure Retirement is a nonprofit organization that works to improve women’s economic status through education. Created in 1996 by the Teresa and H. John Heinz III Foundation, WISER has been the driving force behind a series of state and local events aimed at leveling the playing field for women on long-term financial security. In 1998, WISER launched the POWERCenter, a cooperative project funded by the US Administration on Aging (AoA), as a clearinghouse on retirement education for minority and low and moderate-income women. WISER, in partnership with AoA and the FDIC, developed the community partner train-the-trainer program Power 2000+, building on WISER’s successful education program, which the partners have presented in several states. WISER’s program, Your Future Paycheck: What Women Need to Know, provides some of the basic information that women need to know about money and planning for their future. The workshop is tailored for average women earning less than $30,000 a year and provides them with the next steps for taking charge of their future finances. Topics include: ! Why retirement planning is such a challenge for women; ! How Social Security works and why it is so important for women; ! How to find out if you or your partner may be eligible for pensions benefits; ! The basics of how to start saving and investing; and ! Information about divorce and widowhood, and why they are often financially devastating for women. For More Information Contact: Cindy Hounsell, Executive Director WISER – Women’s Institute for a Secure Retirement 1920 N St, NW, Suite 300 Washington, DC 20036 Phone Number: 202-393-5452 Fax Number: 202-393-5890 E-mail: wiserwomen@aol.com Web Address: http://www.wiser.heinz.org Order Materials From: Cindy Hounsell (above) 14 Program Title: "Investing for Your Future" (Home Study Course & Study Guide, Class Series, Electronic Mail Group, Web Site, Research Study) Subtitle: "A Cooperative Extension System Basic Investing Program" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Barbara O'Neill (Project Director and Presenter) and Patricia Brennan, Rutgers University; Nancy Porter and Joyce Christenbury (retired), Clemson University; Joan Witter (retired), Michigan State University; Irene Leech, Virginia Tech; Constance Kratzer, New Mexico State University; Linda Kirk Fox, University of Idaho; Jane Schuchardt, Cooperative State Research, Education, and Extension Service, U.S.D.A.; and Gerri Walsh, U. S. Securities and Exchange Commission Abstract: Investing for Your Future is a Cooperative Extension System basic investing course consisting of an 11-unit print and online home study course with an accompanying Study Guide, a curriculum (approximately 250 PowerPoint slides) for a six-session class series, an "Ask the Experts" page and monthly e-mail message for online users, and a Web site (http://www.investing.rutgers.edu) with links to dozens of Extension personal finance publications. Reading level: High School Interest Group: General Young Workers Baby Boomers Pre-Retirees New Investors Language: English Limitations: The home study course is ready to use and requires no training on the part of Extension educators; class series may require training to increase instructors' investing knowledge and comfort level. Media Type: Print Workbook (home study course) Curriculum guide Media Type: Audio Visual Overhead transparency masters 15 Media Type: Electronic On-line services (electronic mail group-monthly message) CD-ROM Content Descriptors: Saving/investing/asset management Retirement income sources Evaluation: Have these materials been evaluated for impact? Yes (A national research study is currently underway) Are there evaluation or assessment tools that accompany these materials? Yes (Two forms: one for immediate feedback and another to assess behavioral change) Publisher and Source for Orders: Investing For Your Future Home Study Course Natural Resource, Agriculture, and Engineering Service (NRAES) Cooperative Extension 152 Riley-Robb Hall Cornell University Ithaca, NY 14853-5701 Phone: 607-255-7654 Fax: 607-254-8770 Contact Person: Marty Sailus (Mas10@cornell.edu) Make checks payable to: NRAES Price: This is currently being determined based on number of pre-orders nationwide. Reduced (member) prices will be available to member institutions of NRAES (northeast states and Virginia). Others will pay the non-member price, with discounts available for quantity orders. Investing For Your Future Curriculum (Print Copy of Speaker's Notes and CDROM) Rutgers Cooperative Extension 3 High Street First Floor Newton, NJ 07860 Phone: 973-579-0985 Fax: 973-579-0996 Contact Person: Dr. Barbara O'Neill (oneill@aesop.rutgers.edu) Make checks payable to: Home Economics Programs and Bulletins Price: $25 for CD-ROM with class files and $35 for print copy of speaker's notes ($60 total) 16 Program Title: "Legal Checkup Seminar – Are You Legally Healthy?" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Jane H. Margesson, Senior Marketing Analyst, AARP Legal Services Network Jan R. Bennett, CFCS, M.S., Extension Agent III/Family and Consumer Services, University of Florida Extension Abstract: The Legal Checkup program is designed to educate the public about the issue of "legal health," encourage individuals to make a detailed evaluation of the state of their own legal health, and suggest resources available to provide self-help or professional assistance. The program, administered by AARP's Legal Services Network (LSN), consists of two parts: a confidential workbook completed by the individual at home and a seminar conducted by a local LSN attorney in cooperation with the Cooperative Extension Offices. The seminar gives participants an opportunity to ask questions about any matters requiring clarification. The program emphasizes self-help, which is often adequate to correct problems. The workbook includes a legal health assessment, questions, and explanations on 20 different consumer areas, checklists, a resource list, glossary of items, beginning steps to take, and a personal action plan. For More Information Contact: Jane H. Margesson, Senior Marketing Analyst AARP Legal Services Network 429 Fourth Avenue, Suite 1706 Pittsburgh, PA 15219 Phone Number: 412-261-5025 Fax Number: 412-261-3817 E-mail: jmargesson@aarp.org Web site: http://www.aarp.org/LSN Order Materials From: Same as above Notes: 17 Program Title: "Critical Conversations About Long-Term Care" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Marlene S. Stum, University of Minnesota Abstract: "We didn’t think it would turn out this way." No one plans to have his or her health change or deal with the impact of long term care on later life financial security. More and more families are and will be faced with long term care financing dilemmas and decisions. However, few have prepared in advance, and evidence suggests that financial literacy regarding long term care risk, costs, and alternatives is very low. Communicating about financing long-term care is often a sensitive and avoided issue among spouses, parents, and adult children. How is your long term care financing financial literacy? Extension is in an excellent position to provide research-based education to help consumers make more informed decisions about financing long-term care. Learn what concepts consumers need to understand, as well as how to access and utilize existing and proven educational resources. A new web site offering decision- making tools is under development to address the gap in readily accessible and trustworthy on-line resources. Learn what is under development and dialogue regarding the use of existing and future program resources. For More Information Contact: Marlene Stum, Associate Professor University of Minnesota 290 McNeal Hall, 1985 Buford Avenue, Family Social Science St. Paul, MN 55108 Phone Number: 612-625-4270 Fax Number: 612-625-4227 E-mail: mstum@che.umn.edu Web Address: http://fsos.che.umn.edu/stum/ To Access Materials: Visit http://fsos.che.umn.edu/stum/ *Temporary home to access the Critical Conversations About Long Term Care curriculum (facilitator’s guide, participant handouts, how to adapt to state specific needs). *Will update status of forthcoming http://financinglongtermcare/umn.edu (currently password protected and under development with release expected Fall 2002). 18 Program Title: "Reaching the Target Audience - Reaching Women" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Arnaa Alcon, Ph.D., Associate Director National Center on Women and Aging For More Information Contact: Arnaa Alcon, Associate Director National Center on Women and Aging Heller School MS 035 Brandeis University Waltham, MA 02454 Phone Number: 781-736-8679 or 800-929-1995 Fax Number: 781-736-3865 E-mail: alcon@brandeis.edu Web site: http://www.heller.brandeis.edu/national Order Materials From: Contact Person: Jessica Steel National Center on Women and Aging Heller School MS O35, Brandeis University Waltham, MA 02454 Phone Number: 781-736-3866 E-mail: natwomctr@Brandis.edu Notes: 19 Program Title: "Development of a Guidebook to Help Late Savers Prepare for Retirement" Subtitle: "Catch-Up Strategies Workbook" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Lance Palmer, Utah State University (presenter) Barbara O'Neill, Ph.D., Rutgers University Jean M. Lown, Ph.D., Utah State University Abstract: The NEFE project will include development of a guidebook that provides an overview of new federal policy; how to take advantage of saving opportunities; steps that can be taken in early retirement; a list of helpful print, internet, and government resources; and a workbook to help late savers take action. Reading level: High School Interest Group: General Baby Boomers Pre-Retirees Language: English Media Type: Print Workbook Content Descriptors: Saving/investing/asset management Retirement income sources Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: NEFE (Expected in late 2002 – Check NEFE web site Price: Expected to be free Order From: National Endowment for Financial Education 5299 DTC Boulevard, Suite 1300 Greenwood Village, CO 80111 Phone Number: 303-741-6333 20 Contact Information: Jean M. Lown, Ph.D., Professor Utah State University, Department of Human Environments 2910 Old Main Hill Logan, UT 84322-2910 Phone Number: 435-797-1569 Fax Number: 435-797-3845 E-mail: lown@cc.usu.edu Notes: 21 Program Title: "Long-Term Care Insurance: Improving Consumer Education" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Marlene S. Stum, University of Minnesota Paul E. McNamara, University of Illinois Extension Mary Ellen Rider, University of Nebraska-Lincoln Ron Wall, University of Hawaii Abstract: Long-term care represents one of the most difficult consumer issues of our time. The graying of the baby boomer generation makes this a societal issue as much as an individual issue. This panel presentation will provide an overview of the research evidence, an outline of the implications for consumer education programs in the area of long term care insurance, and selected Cooperative Extension programs developed to address this issue. Marlene Stum will provide an overview of the research findings which suggest that consumers face difficulties evaluating long term care insurance and making decisions about whether or not it should be part of their retirement financial planning. Paul McNamara will discuss his research on the dynamics of consumer decision-making concerning long term care insurance. He will also review the University of Illinois Consumer and Family Economics Team's long term care insurance education efforts, with an emphasis on what has proved valuable to their audiences. In addition, the potential for collaboration in long term care insurance consumer education within the state and across states will be discussed. Mary Ellen Rider will provide key points for consumers to consider in making long term care decisions. She will present what she has learned about target audiences and delivery methods as well as a discussion of potential collaborators who are focused on long term care issues and financing. Ron Wall will discuss an array of preventive and protective solutions that will help to ensure care for the millions who will need it. Long term care insurance is an expensive, long-term commitment that few elderly can afford on low-to-moderate, fixed incomes. Much long-term care does not qualify for reimbursement because it occurs within the elimination period, is provided by unpaid family members, or in facilities that do not qualify for covered care. Moreover, other risks include those associated with the risks of rising premiums, company defections, and reimbursement limits. What can a person do? First, stress lifestyle and housing preparations that can extend your opportunities for healthy independent living. Second, look upon aging holistically and plan strategies that are both inclusive and flexible. And third, stress financial strategies that are keyed to your personal risk profile, needs, abilities, strengths, and opportunities. 22 For More Information Contact: See Speakers List for contact information for each presenter. Order Materials From: University of Illinois Extension, Information Technology and Communication Services, call 800-345-6087 University of Hawaii, CTAHR publications Office Contact: Sharon Tasato 3050 Maile Way Gilmore 119 Honolulu, HI 96822 Phone Number: 808-956-7036 E-mail: ctahrpub@hawaii.edu Web Address: http://www2.ctahr.hawaii.edu/ctahr2001/PIO/MainList.html Notes: 23 Title: "Plan Well, Retire Well: Your How to Guide" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: The Plan Well Workgroup of the University of Illinois Extension: Ellen Burton, Karen Chan, Charlotte Crawford, Mary Ann Fugate, Pat Hildebrand, Jennifer Hunt, Angela Lyons, Paul McNamara, and Kathy Sweedler Abstract: The goal of "Plan Well, Retire Well" is to assist middle-income individuals, who are between 25 to 50 years old, to plan effectively for retirement. This web-based, educational program emphasizes the importance of setting financial goals and saving early for retirement. It provides information and interactive activities on the various ways to prepare for retirement including investment strategies. Reading level: High School Interest Group: General Young Workers Baby Boomers Women Minorities Self-Employed Farm Families Pre-Retirees Language: English Media Type: Electronic Web site Content Descriptors: Saving/investing/asset management Retirement income sources Evaluation: Have these materials been evaluated for impact? Yes Are there evaluation or assessment tools that accompany these materials? Yes Publisher: Not yet available online Contact Information: Dr. Angela Lyons Assistant Professor/Extension Specialist University of Illinois Urbana 1301 W. Gregory Drive, 326 Mumford Hall Urbana, IL 61801 Phone Number: 217-244-2612 Fax: 217-333-5538 Email: anglyons@uiuc.edu Dr. Paul McNamara Assistant Professor/Extension Specialist University of Illinois Urbana 1301 W. Gregory Drive, 326 Mumford Hall Urbana, IL 61801 217-333-3769 mcnamar1@uiuc.edu 24 Program Title: "Planning for a Secure Retirement" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Sharon DeVaney, Associate Professor, and Janet Bechman, Extension Specialist, Dept. of Consumer Sciences and Retailing, Purdue University Abstract: Are you looking forward to the day you retire? Or do you dread the thought? Being able to retire when you want and how you want is important to many people. Planning ahead can put you in a position to live comfortably during your retirement. The objective of this distance learning course is to help you with your planning for retirement. Each of the 10 modules in the course provides information that can be valuable in answering the questions you need to consider as you make your plans. The modules include specific goals for the modules, activities to complete and sources for more information. The course is free. It is available to anyone with Internet access 24 hours a day and 7 days a week. The course is available at http://www.ces.purdue.edu/retirement/ For More Information Contact: Janet C. Bechman, Extension Specialist Purdue University Consumer Sciences and Retailing, 302 Matthews Hall West Lafayette, IN 47907-1262 Phone Number: 765-494-8309 Fax Number: 765-494-0869 E-mail: jcb@purdue.edu Web Address: http://www.ces.purdue.edu/retirement/ Order Materials From: Same as above 25 Program Title: "Education in a New Age: Issues And Approaches" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Don M. Blandin, President, American Savings Education Council Denni Maynard, Director of the Office of Media Development, Social Security Administration Abstract: The 2002 Retirement Confidence Survey (RCS) finds that fewer Americans are saving and preparing for retirement. The number of individuals doing a retirement calculation has dropped in the last few years. Even the amount people have saved for retirement is low. Yet, the survey finds that the number of people who feel confident about their prospects for retirement has increased in the past year – a complete disconnect! The results of this year’s RCS show the continuing need for increased financial education in America. This session will focus on two national education initiatives, including the Emmy award-winning Choose to Save media campaign, aimed at educating Americans of all ages and backgrounds about the importance of taking control of their financial future. The goal of the session will be to discuss how Extension personnel can increase their involvement in national initiatives at the local and grassroots level, as well as to provide them with a list of free savings tools that are available to them from the American Savings Education Council and the Social Security Administration. In short, by combining and leveraging our comprehensive networks and resources, we will be able to reach people that none of us would be able to reach alone. For More Information Contact: Order Materials From: Don Blandin, President Contact Person: Cheri Meyer American Savings Education Council American Savings Education Council 2121 K Street NW, Suite 600 Washington, DC 20037 Phone Number: 202-572-7420 Phone Number: 202-775-6351 Fax Number: 202-775-6360 E-mail: Blandin@asec.org E-mail: meyer@asec.org (email preferred) Web Address: http://www.asec.org and http://www.choosetosave.org 26 Program Title: "Using the FSLL Web Site as a Frontline Tool" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: National Initiative Management Team Members Abstract: The Financial Security in Later Life web site was designed with both the consumer and Extension educator in mind. The site is made up of two distinct sections, one focused on giving consumers information they need to successfully plan for later life events. The other section is geared toward giving Extension educators the tools they need to deliver this important information to citizens in their local areas. This site map that gives an overview of the resources available through this web site: # Consumer Page ! Find Your State Map ! Extension Learning Tools ! Links # Educator Page ! Initiative Program Toolkit • Roadmap to Financial Security • America Saves • Investing for Your Future • Legal Check-Up • Retirement Planning • Long-Term Care Planning ! Evaluation • On-line Reporting • Impact Reports ! Marketing Tools • Handout • "Take the Road to Financial Security in Later Life" brochure—in pdf format • Display/Banner ! Research • Annotated Bibliography • Literature Summary • Retirement Planning for Farm Families • Farm Families and Succession Planning ! Background • Framework • White Paper—in pdf format • Five-Year Plan—in pdf format • Team Members ! Funding • Possible Funding Sources • Creative Resource Development ! Other Extension Programs ! Financial Security Guidebook ! Links ! Conference 27 Program Title: "Financial Security Guidebook" Author(s) or Presenter(s), Title(s), and the Organization(s) Represented: Janet Bechman, Extension Specialist, Purdue University Co-Authors: Sue Badenhop, Extension Specialist, University of Kentucky, Barbara Rowe, Extension Specialist, Utah State University Abstract: Financial Security in Later Life: A Guide for Community Educators provides step-by-step guidelines for organizing and conducting educational programs on issues related to financial security in later life. Instructions on how to develop, promote, implement and evaluate an educational program are included. The guidebook also includes a listing of existing educational resources related to financial security in later life along with a brief description and ordering information. Resources that address the following topics are included: aging parents, changes in life situations, changing health/independence, changing work patterns, death and distribution of resources, health and long term care risk management, interpersonal/intergenerational communications, retirement income sources, and saving/investing/asset management. Curricula, publications, web sites, calculators, audiovisual materials, and other types of educational resources are included in the resource listing. The web-based guidebook is available at http://www.ces.purdue.edu/financialsecurity/ For More Information Contact: Janet Bechman, Extension Specialist Purdue University 1262 Matthews Hall West Lafayette, IN 47907-1262 Phone Number: 765-494-8309 Fax Number: 765-494-0869 E-mail: jcb@purdue.edu Web Address: http://www.ces.purdue.edu/financialsecurity/ 28 GUIDE TO PROGRAM SHOWCASE MATERIALS Roll-Out Conference Myrtle Beach, SC March 20-22, 2002 29 Program Showcase Participants Extension Participants ♦ Iowa State University ♦ Montana State University ♦ Purdue Extension ♦ University of Illinois ♦ University of Nebraska ♦ University of Nevada ♦ University of New Hampshire ♦ University of Wisconsin ♦ USDA, Cooperative State Research, Education, and Extension Service Other Public and Private Participants ♦ AARP ♦ American Savings Education Council ♦ Certified Financial Planner Board of Standards ♦ Investment Company Institute Education Foundation ♦ National Center on Women and Aging, Brandeis University ♦ National Endowment for Financial Education ♦ North American Securities Administrators Association ♦ US Department of Health and Human Services, Administration on Aging ♦ US Department of Labor, Pension and Welfare Benefits Administration ♦ US Department of the Treasury, Savings Bond Marketing Office ♦ US General Services Administration, Federal Consumer Information Center ♦ US Securities and Exchange Commission, Office of Investor Education and Assistance 30 Table of Contents Aging parents • • • • • • • • • • Adult Children and Aging Parents: Conversations between Generations…………….. 46 Consumer Health Policy: The Importance of Access to Care and Health Insurance in Rural Communities……………..………………………………………..….……… 60 Family Financial Management Materials…………………………………….……….. 50 Farm Savvy……………….…………………………………………………………… 48 Making a Will in New Hampshire…………………………………………………….. 64 Thinking Over An Early Retirement Offer……………………………………….…… 47 Tips, Tools, & Tactics: The best resources for women’s financial planning…….……. 51 Web-based and other resources to assist older people and their caregivers……….….. 56 Your Valuable Papers…………………………………………………………………. 65 Avoiding fraud • Exploitation of Elders……………………………………………………….……….… 41 Changing health and independence • • • • • • • • • • Adult Children and Aging Parents: Conversations between Generations…………….. 41 Consumer Health Policy: The Importance of Access to Care and Health Insurance in Rural Communities…….. 46 Farm Savvy………………………………………………………………….………… 48 Federal Consumer Information Center Publications……………………………………43 Retirement: Secure Your Dreams………………………………………………...……. 45 Seniors CAN: Independent Living for Older Adults…………………………………... 62 Thinking Over An Early Retirement Offer…………………………………….………. 47 Tips, Tools, & Tactics: The best resources for women’s financial planning………….. 51 Web-based and other resources to assist older people and their caregivers…….……... 55 Your Retirement Planning Checklist: Plan Well, Retire Well: A How-to Guide Tool…………………………………………………………………………………….. 67 Changes in life situations (widowhood, divorce, etc.) • • • • • • • • Family Financial Management Materials………………………………………….….. 50 Farm Savvy……………………………………………………………………………. 47 Making a Will in New Hampshire…………………………………………………….. 64 Retirement: Secure Your Dreams………………………………………………….….. 45 Thinking Over An Early Retirement Offer……………………………………………. 47 Tips, Tools, & Tactics: The best resources for women’s financial planning………….. 51 Web-based and other resources to assist older people and their caregivers…………… 55 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool……………………………………………………………………………………. 67 Changing work patterns • • • • Comfortable Retirement: Fantasy or Reality………………………………………….. Farm Savvy……………………………………………………………………………. Taking the Next Step: Retirement Planning for Civil Service Employees……………. Thinking Over An Early Retirement Offer—Iowa State University Extension………. 40 47 61 47 31 • Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool……………………………………………………………………………………. 67 Death and distribution of resources • • • • • • • • • Adult Children and Aging Parents: Conversations between Generations………...…… 46 Family Financial Management Materials…………………………………………..….. 50 Farm Savvy…………………………………………………………………………….. 47 Federal Consumer Information Center Publications……………………………………43 Making a Will in New Hampshire………………………………………………….….. 64 Thinking Over An Early Retirement Offer…………………………………………….. 47 Tips, Tools, & Tactics: The best resources for women’s financial planning…….……. 51 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool……………………………………………………………………………………. 67 Your Valuable Papers………………………………………………………….….…… 65 Financial education resources • Economic Independence Clearinghouse…………………………………………..…… 52 Funding resources • • National Endowment for Financial Education Grant Application Check List and Tool……………………………………………………………………………………. 67 National Endowment for Financial Education Grant Application Guidelines…...……..52 Health and long-term care risk management • • • • • • • • • • • Adult Children and Aging Parents: Conversations between Generations………….….. 46 Consumer Health Policy: The Importance of Access to Care and Health Insurance in Rural Communities...…… 60 Farm Savvy…………………………………………………………………………….. 47 Federal Consumer Information Center Publications…………………………….…….. 43 Medicare Toolkit Teaching Module: An Educational Resource for County Extension Educators………………………………………………………………………………. 49 Retirement: Secure Your Dreams……………………………………………………….45 Seniors CAN: Independent Living for Older Adults……………………………….….. 62 Taking the Next Step: Retirement Planning for Civil Service Employees……….……. 61 Thinking Over An Early Retirement Offer……………………………………….…… 47 Web-based and other resources to assist older people and their caregivers…………… 55 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool……………………………………………………………………………….……. 67 Interpersonal/intergenerational communications • • • • • • Adult Children and Aging Parents: Conversations between Generations…...………… 46 Comfortable Retirement: Fantasy or Reality……………………………………………40 Family Financial Management Materials………………………………………...……. 50 Farm Savvy…………………………………………………………………………….. 47 Retirement: Secure Your Dreams……………………………………………………….45 Taking the Next Step: Retirement Planning for Civil Service Employees……….……. 61 32 • • Thinking Over An Early Retirement Offer…………………………………………….. 47 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool…………………………………………………………………………………….. 67 Other resources • Family Development and Resource Management: Web based resources...…………… 42 Retirement income sources • • • • • • • • • • • • • • • • Comfortable Retirement: Fantasy or Reality?………………...……………………….. 40 Family Financial Management Materials………………………...……………………. 50 Farm Savvy…………………………………………………………………………….. 47 Federal Consumer Information Center Publications……………………………………43 Financial Planning Resource Kit………………………………………...…………….. 39 Investing for Success……………………………………………...…………………… 44 Retirement: Secure Your Dreams……………………………………………………… 45 Savings Fitness Guide………………………………………………………………….. 39 Savings Fitness: A guide to your financial future………………………………………56 Seniors CAN: Independent Living for Older Adults……………………………….….. 62 Taking the Next Step: Retirement Planning for Civil Service Employees…………….. 61 Thinking Over An Early Retirement Offer…………………………………………….. 47 Tips, Tools, & Tactics: The best resources for women’s financial planning………….. 51 Top Ten Ways to Prepare for Retirement……………………………………………… 56 Women and Retirement Savings………………………………………………………..56 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool………………………………………………………………………………..…… 67 Saving/investing/asset management • • • • • • • • • • • • • • • • • • • AARP Publications…………………………………………………………………….. 35 Ask Questions………………………………………………………………………….. 59 Ballpark Estimate……………………………………………………………………..38 Certificates of Deposit: Tips for Investors………………………………………….….. 59 Cold Calling Alert. …………………………………………………………………….. 59 Comfortable Retirement: Fantasy or Reality?……………………………..………….. 40 Family Financial Management Materials………………………………………….….. 50 Farm Savvy…………………………………………………………………………….. 47 Federal Consumer Information Center Publications……………………………………43 Financial Planning Resource Kit…………………………………………………..….. 39 Get the facts on saving and investing………………………………………………….. 59 How Do I Get There From Here?…………………………………………………..….. 36 How We Handle Complaints……………………………………………………...…… 59 International Investing…………………………………………………………...…….. 59 Internet Fraud……………………………………………………………………….….. 59 Investing for Success…………………………………………………………...……… 44 Investment Clubs…………………………………………………………………...….. 59 Making Money Work for You…………………………………………………………. 64 Microcap Stock………………………………………………………………………… 59 33 • • • • • • • • • • • • • • • • • • • • MoneyTalk: Creating an Interest in Interest…………………………………………… 37 North American Securities Administrators Association (NASAA) Publications………54 Retirement Planning for Farmers and Ranchers……………………………………….. 62 Retirement: Secure Your Dreams……………………………………………………… 45 Savings Fitness Guide………………………………………………………………….. 39 Savings Fitness: A guide to your financial future………………………………………56 Take Notes…………………………………………………………………...………… 59 Taking Charge of Your Finances………………………………………………………. 65 Taking the Next Step: Retirement Planning for Civil Service Employees…………….. 61 The Power to Choose………………………………………………………………….. 37 The Wealth Care Kit…………………………………………………………………… 52 Thinking Over An Early Retirement Offer…………………………………………….. 47 Tips, Tools, & Tactics: The best resources for women’s financial planning…………..51 Top Ten Ways to Beat the Clock and Prepare for Retirement……………………....… 36 Top Ten Ways to Prepare for Retirement……………………………………………… 56 U.S. Savings Bonds: You Don’t Have to Risk Everything Just to Get What You Want……………………………………………………………………………….…… 58 Variable Annuities……………………………………………………………...……… 59 Women and Retirement Savings………………………………………………………..56 Your Retirement Planning Checklist: Plan Well, Retire Well: a How-to Guide Tool………………………………………………………………….…………………. 67 Your Valuable Papers………………………………………………...…………….….. 65 34 AARP Title: Spanish Money Management Workbooks 10 Steps to Securing a Better Financial Future Abstract: The Spanish materials begin with a basic understanding of the banking system and continue with saving, investing, and retirement issues. They are bilingual. The 10 Steps Guide provides information on keeping your records up to date as well as saving, investing, and legal information. Target Audience: Reading level: High School Interest Group: Language: Pre-retiree’s English Spanish Media Type: Print: Workbook Content Descriptors: Saving/investing/asset management Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: AARP Price: Not yet set Order from: Organization: AARP Address: 601 E Street, NW City: Washington State: DC Phone Number: (202) 434-6276 Zip: 20049 Contact Information: Name: Judith Cohart Title: Campaign Specialist Organization: AARP Address: 601 E Street, NW City: Washington State: DC Phone Number: (202) 434-6276 Fax Number: (202) 4347680 E-mail: jcohart@aarp.org Web Address: www.aarp.org Zip: 20049 35 American Savings Education Council Title: Top Ten Ways to Beat the Clock and Prepare for Retirement Abstract: Lists ten things that individuals can do to begin preparing for retirement and also includes a list of resources where individuals can go for additional help. Publication Year: 1997 Target Audience: Reading level: High School Interest Group: General Language: English Media Type: Print: Brochure, pamphlet, booklet Electronic: Web site: www.asec.org Content Descriptors: Saving/investing/asset management Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: American Savings Education Council Price: $18 per 100 plus shipping. March 2002 conference attendees can request the first 100 brochures from ASEC at no charge by sending a self addressed, stamped ($5.20 postage), 9” x 12” (minimum size) padded envelope to: FSLL ASEC Brochures—Top Ten, American Savings Education Council, Suite 600, 2121 K Street NW, Washington, DC 20037-1896. Title: How Do I Get There From Here? Abstract: Guide to show people where to go for additional help. The brochure offers suggestions on finding a financial professional, including a list of questions to ask a potential financial professional and provides additional resources for the “do-ityourselfer.” Publication Year: 2002 Target Audience: Reading level: High School Interest Group: General Language: English Media Type: Print: Brochure, pamphlet, booklet Electronic: Web site: www.asec.org Content Descriptors: Saving/investing/asset management Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: American Savings Education Council Price: $22 per 100 plus shipping. March 2002 conference attendees can request the first 100 brochures from ASEC at no charge by sending a self addressed, stamped ($5.20 postage), 9” x 12” (minimum size) padded envelope to: FSLL ASEC Brochures—There, American Savings Education Council, Suite 600, 2121 K Street NW, Washington, DC 20037-1896. 36 Title: The Power to Choose Abstract: ASEC’s flagship brochure that answers the questions “Why should I save?” and “How do I get started?” The Power to Choose brochure was designed to encourage individuals to commit to saving and planning for their future. Publication Year: 2002 Target Audience: Reading level: High School Interest Group: General Language: English Media Type: Print: Brochure, pamphlet, booklet Electronic: Web site: www.asec.org Content Descriptors: Saving/investing/asset management Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: American Savings Education Council Price: $22 per 100 plus shipping. March 2002 conference attendees can request the first 100 brochures from ASEC at no charge by sending a self addressed, stamped ($5.20 postage), 9” x 12” (minimum size) padded envelope to: FSLL ASEC Brochures—Power Brochures, American Savings Education Council, Suite 600, 2121 K Street NW, Washington, DC 20037-1896. Title: MoneyTalk: Creating an Interest in Interest Abstract: The MoneyTalk tool series is a series of guides designed to help parents and teachers discuss a variety of money issues with children and young adults. The MoneyTalk “Creating an Interest in Interest” tool includes lessons and activities designed to introduce and reinforce the concept of compound interest for teens and young adults ages 14-17+. Publication Year: 2001 Target Audience: Reading level: High School Interest Group: General Parents and teachers of children and young adults ages 14-17+. Language: English Media Type: Print: Brochure, pamphlet, booklet Curriculum guide Electronic: Web site: www.asec.org Content Descriptors: Saving/investing/asset management Evaluation: Have these materials been evaluated for impact? No Are there evaluation or assessment tools that accompany these materials? No Publisher: American Savings Education Council Price: $32 per 100 plus shipping. March 2002 conference attendees can request the first 100 brochures from ASEC at no charge by sending a self addressed, stamped ($5.