FALL 2011 Issue 1

Pocket Change
In this Issue
Teach Your Children Well (About Finances...That Is!) Your piggy bank could be worth $250... Mom & Daughter Bonding On A Budget

brought to you by . . .

and much more . . .

DFLI is a not-for-profit 501(C)(3) organization

Pocket Change
In This Issue... Issue...
3 4 6 8 $250 Piggy Bank LifeSkills 101: Credit Federal Trade Commision Bonding On A Budget Virginia M. Russell Teach Your Children Well Counsumer Credit Counseling Services of MD & De, Inc. Want More Money - Join the Club By Candace Bahr, CEA, CDFA and Ginita Wall, CPA, CFP Dont Let Theives Steal Your Info .. Office of the Comptroller of the Currency

2011 Issue 1

Dear Readers, After much work, brain-storming, and revamping, I am very proud to present the NEW LOOK of Pocket Change on-line magazine. Pocket Change will be published on a quarterly basis. I welcome and encourage any ideas, recommendations, blogs, helpful hints, recipes, etc. It is my goal to make this magazine informative, helpful, fun, and exciting. This on-line publicaton will include financial topics covering issues relevant to todays trying economic times and the Purses participants. It is my intent to make this a great avenue for easy reading, while covering hot topics and refreshing our minds on some basic essentials! Let me know what you think... Virginia M. Russell Editor In Chief ginny.russell@citi.com

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14 Quality Time on Social Securitys Website Mim Shellem Social Security in Wilmington, DE 15 Clear Out - Cash In! Dawn Lamb

16 Avoiding Check Scams Consumer Federation of America 17 18 20 21 Energy Saving Tips US Department of Energy Friends Dont Let Friends Drown in Debt ADFL SOS Save On Soap Sharon Boland, Citi From the DFLI Kitchen

22 Meet the Staff

Want an extra $250.00 in YOUR Piggy Bank? Submit a picture of someone or something with a piggy bank in it and $250.00 COULD BE YOURS!

Enter the GOT $AVINGS Photo Contest:

Grand Prize - $250.00 Runners up (5) - $50 gift card
Submit a photo (hard copy or digital) with a piggy bank. Photos will be chosen for our public awareness campaign on the importance of $aving! Send to: info@di.org or DFLI ~ 3301 Green St., Claymont, DE 19703 Photos must be copyright free and will become the property of DFLI. All photos submitted will be used at the discretion of DFLI. Deadline: 9/30/2011 of DFLI.

Lifeskills 101: Credit

The Federal Trade Commission

Credit reporting companies collect four basic types of information and sell it to people who have a lawful reason to collect it.
1) Identification and Employment Information - Your name, birth date, social security number, employer, and spouses name are noted routinely. The credit reporting company also may provide information about your employment history, income, and previous address, if a creditor asks. 2) Payment History - Your accounts with different creditors are listed, showing how much credit has been extended and whether youve paid in a timely way. Related events, like the referral of an overdue account to a collection agency, may also be noted. 3) Inquiries - Credit reporting companies must maintain a record of all the creditors who have asked for your credit history within the past year, and a record of individuals or businesses that have asked for your credit history for employment purposes for the past two years. 4) Public Record Information - Events that are a matter of public record, like bankruptcies, foreclosure, and tax liens, may appear in your report.

How your credit report can affect YOU

Having a good credit history means it will be easier for you to get loans and lower interest rates. Lower interest rates usually translate into smaller monthly payments. Conversely, having a bad credit history can haunt you for seven years or more. It can affect your ability to get additional credit. And if you can get credit, it may be at higher rates with less than favable terms. Negative credit can also affect your ability to get or keep a job. Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention. These are just a few reasons why its best to learn how to maintain good credit before a problem starts.

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Keeping Your Credit Record CLEAN

Good credit is important, now and in the future. In most cases, it takes seven years for accurate, negative information to be deleted from a credit report. It takes even longer for bankruptcy information to be deleted - 10 years.

Protect Yourself
The Federal Trade Commission is the nations consumer protection agency. The FTC works to prevent fradulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers SPOT, STOP, and AVOID them. You can contact the FTC for free information on a wide range of issues, including: advertising claims * buying, leasing & renting cars * credit debt collection * employment & job placement * identity theft investment schemes * online shopping * scholarship scams sweepstakes * telemarketing * work at home schemes

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Building a Credit Report

Establishing a good credit history is easier than it may seem. You might apply for a credit card issued by a local store, because local businesses may be willing to extend credit to someone with no credit history. Once you establish a pattern of making payments on time, major credit card issuers might be more willing to extend credit to you. You might apply for a secured credit card. Basically, this card requires you to put up the money first and then lets you borrow 50 to 100 percent of your account balance. You also might ask other people who have an established credit history to co-sign on an account. By co-signing, this person is agreeing to pay back the loan if you dont.

For more information on this topic and many others...

Go to: www.ftc.gov
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Bonding On A Budget
By Virginia M Russell, Citibank, N.A.
ummertime is, by far, my favorite time of year. But ask my pre-teen and teenage daughters and they might feel differently. Yes, there is no school, so that is a definite plus! But with all this newly found spare time on their hands, they are BORED and want to GO somewhere or DO something. With the prices of everything being so high and the state of the economy, it is way too expensive to take your family out anymore. A night at the movies for a family of four can cost $100.00 or MORE, if you throw in the popcorn and soda. Want to pamper yourself and do a mom and daughter trip to the nail salon? Think again! Not unless you have a good $25.00 for a pedicure and $30.00 for a manicure. Theres another fast $100.00 + gone, poof, just like that... Oh, wait, dont forget the tips! We need to get creative and find ways to spend quality, fun time with our daughters. Here are a few things that my two amazing daughters and I have done so far this summer:

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Mom and daughter movie night/day. Have 4 hours to spare? Forget going to the movies! Have your own double feature in the comfort of your own home. Add some popcorn, candy, and drinks and you have just spent approximately $20.00 for 2 movies and snacks. You can pause the movie for your own intermission anytime you see fit. Go get some chickflicks and dont forget the tissues! Manicure at home. No tipping necessary! My daughter and I had a mani day at home. She was excited to do my nails, and I let her pick the colors. There is a fairly new product on the market called CRACKLE. Many different brands carry this nail polish. You first paint on a solid color of your choice and then after it dries, apply the crackle. This product will start to separate and literally crack on top of the undercoat. Use a clear top coat to complete the look, and TADA! Combining colors is fun. Better yet, it looks really cool! We had a great time doing each others nails (and toes!). We loved the finished product and we didnt have to pay hefty salon prices. Be productive together~Paint a room or 2...or 3. Okay, so what I have come to find out is that kids (at least mine) actually dont mind painting! I started painting in one of my daughters bedrooms while she was away, to surprise her. She loved it so much, she wants to help me paint every room in the house. We didnt stop there, we also painted some wooden furniture. We took old pieces and gave them a TOTALLY NEW LOOK! We had a great time and have several painting dates scheduled for the near future. Move over Paula Dean! Make quick, inexpensive meals. My daughters both thoroughly enjoy cooking and being creative in the kitchen. Whether it is as simple as a salad, fruit bowl or a fancy chicken dish, ingredients can be purchased without breaking the bank. We have come up with some really great meals for less than $25.00 that fed our family of five. Exercise Together~Dance, Dance, Dance. Often kids arent jazzed over the thought of exercising, especially in the summer! But if you throw a dance exercise video in the DVD player in the air conditioning, it can be fun! Who needs an expensive gym membership or who has to pay excessive guest fees? We didnt. And you know what? Afterwards we ate some of our fruit salad, re-painted our nails, and finished the night off watching a movie!

Send your ideas to: Info@dfli.org

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When it Comes to Financial Skills, Teach Your Children Well

Consumer Credit Counseling Service of MD & DE, Inc.

he lack of awareness and poor fiscal decisions that helped ignite the current economic downswing underscore how important is is for all of us to be financially informed and to make sound money management decisions. Consumers acquire their financial knowledge, attitudes, and habits from their parents, and they generally carry whatever they learn into adulthood. Here are six ideas that may help give your children the personal finance knowledge and skills to succeed in life: 1.) BEGIN EARLY. If your kids ask you to buy them candy or toys, discuss the difference between wants and needs. When children are old enough to have money of their own, provide a place, such as a piggy bank, where they can store it. Help them learn to set long and short-term goals for saving and spending the money accrue. 2.) MAKE ALLOWANCE A TEACHING TOOL. When children are 6-8 years of age, start giving them an allowance and show them how to use it. Encourage your child to set goals and save a certain amount. Young childrens goals can be simple. The key is to help them delay gratification.

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3.) HAVE CALM, OPEN DISCUSSIONS. During dinner time, trips together in the car, and leisure activities, hold relaxed conversations on personal finance topics. During these discussions, encourage questions, avoid using sophisticated economic jargon, and offer age-appropriate examples. 4.) OFFER REAL WORLD LESSONS. Children are more likely to remember and apply the money management principles they learn in real life. At the store, show your kids how to compare the price and quality of similar products. Help them open a savings account at a local bank and encourage them to make regular deposits to teach them how interest is compounded. 5.) TEACH THROUGH EXAMPLE. You are your childrens primary role model. They are likely to inherit your financial attitudes and habits. Learn as much as you can about saving, spending, borrowing, investing, and ID theft. If youre behind on your bills, set up and stick to a budget, cut back on expenses, and contact your creditors to discuss a plan for taking control. Nonprofit agencies can provide lowcost services that may help you get back on track. If your family is having financial troubles due to job loss or overspending, dont hide the fact. Help your kids deal with the situation by holding a calm, frank discussion.

Whether children learn lessons at home or at school, the money management knowledge & skills they acquire NOW will benefit them for the rest of their lives.

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Want More Money? Join the Club.

By Candace Bahr, CEA, CDFA and Ginita Wall, CPA, CFP
ou are about to discover a simple program that has the power to change your financial life forever. Its free and non-fattening, and is designed to help you succeed and prosper. Imagine the productivity and energy of a few friends sharing what they know, seeking out information, putting their heads together to solve problems and motivating each other to move ahead. Thats the power behind the new Money Clubs, which use all the latest scientific research to tailor a financial learning program designed uniquely for women.

Money Clubs are an incredibly successful way for women to get together to achieve their money dreams and support each other on their journey to prosperity. The support of other Money Club members provides a sense of community and belonging. With the help of friends to keep them on track, women can help each other in a powerful, productive way. Members are accountable to each other, and that keeps everyone motivated. Like having a diet buddy to help lose weight, friends in the Money Club provide the encouragement that each member needs to succeed. The Money Club is not your grandmothers investment club. Unlike narrowly-focused investment clubs, Money Clubs focus on learning the dynamics of money, incorporating a 360-degree view of womens financial lives. In Money Clubs, members discuss their money truths and dreams, encourage each other to meet savings goals, reduce debt, budget their expenses, educate children, and plan for a happy and productive retirement. In meetings, members discuss a wide variety financial topics as they support their friends in moving away from their fears and toward their financial goals. You dont have to know much about money to join a club - you just need a desire to improve your relationship with money. The Money Club is a grassroots phenomenon. Women (and men, too) create Money Clubs themselves using the framework and materials at the website MoneyClubs.com. (continued on next page)

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Together, we can take personal responsibility and help each other move ahead. We realize that to truly make a difference in the world, it takes a positive vision. We visualize a million women actively involved in Money Clubs across the country. Thats what it will take to make an impact in the fabric of womens lives and the lives of their children and families, a few women at a time.

Read more: http://www.wife.org/moneyclubs.htm

The Womens Institute for Financial Education (WIFE.org) is the oldest nonprofit organization dedicated to providing financial education to women in their quest for financial independence.

Sign Up for our Free E-Newsletter & and Get a FREE Bumper Sticker!

Subscribe at: http://www.wife.org/subscribe.htm

Ginita and Candace will be back by popular demand at the 2011 Celebration!

Also, write to info@dfli.org for info about a special Money Club training with Candace and Ginita on October 20, 2011 at the Claymont Community Center.

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Dont Let the THIEVES Steal YOUR Information!

By the Office of the Comptroller of the Currency (OCC)

o help protect you, banks & retailers take measures to minimize the risk of fraudulent use of your debit or credit card, particularly when those purchases are made by telephone or online. Before approving telephone purchases, retailers typically confirm your identity by asking for personal information. They may ask for your address, the last four digits of your social security number, or answers to security questions you created when you set up your account. Retailers also may ask for the three-digit security code printed on the front or back of your debit or credit card. To protect your online transaction from electronic fraud, many commercial Web sites require you to unscramble a word or a number displayed as a fuzzy or distorted image that is difficult for software to read. Be wary when you use automated teller machines (ATMs) & other payment processing machines. Thieves may be using high-tech tools in scams to capture your account information to steal your money. These scams, known as card skimming, involve attaching devices to money machines that read the information on your debit & credit cards when you swipe them. When combined with a nearby concealed camera to record your personal identification number (PIN), the thieves can get everything they need to drain your account or to make unauthorized purchases. In addition to using the information directly, thieves may sell your information to others. ATMs and automated payment machines in airports, convenience stores, hotel lobbies, & other well-traveled, public places may be most vulnerable to thieves who may think these machines are not regularly inspected by the machine owners. However, card skimming may take place at any ATM or card processing machine, including those on bank premises. As technology makes these devices smaller & more powerful, the risk of card skimming grows.

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Federal laws limit your liability from debit and credit card fraud. Two federal laws, in particular, protect you. The Truth in Lending Act generally limits your liability to $50 for any unauthorized use of your credit card. However, you are not responsible for unauthorized charges on your accountif you report a lost or stolen credit card before the card is used. Also, you are not responsible if the fraud results from someone using your credit card number alone rather than your credit card. The Electronic Fund Transfer Act also limits your liability for unauthorized use of your debit or ATM cardsif you quickly report the lost or stolen card. You are not held responsible for unauthorized charges if you report the fraud before unauthorized transactions are made. If unauthorized transactions occur before you report your card missing or compromised, your liability depends on how quickly you report the loss.

Protecting Yourself with Common Sense Security Measures

Ultimately, you must protect yourself against thieves and the tools they use to access your accounts to steal from you. To protect yourself, follow these common-sense precautions. Walk away from an ATM if you notice someone watching you or if you sense something wrong with the machine; immediately report your suspicions to the company operating the machine or a nearby law enforcement officer. Before using an ATM, examine nearby objects that might conceal a camera; check the card slot for a plastic sheath before inserting your card. Never keep a written copy of your PIN in your wallet or purse as it could be stolen; instead memorize your PIN and keep a paper record hidden at home. When entering your PIN, stand close to the machine and hold your hand over the keypad or screen to make it more difficult for a person or camera to watch you. Beware of strangers offering to help you with an ATM that appears disabled and notify someone responsible for the security of the machine. Regularly review your account statements, either online or on paper, and check for unauthorized withdrawals and purchases. If you find one, immediately contact your bank or credit card provider, as this will limit your financial liability for fraudulent charges.

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Quality Time on Social Securitys Website

By Mim Shellem Social Security Assistant District Manager ummertime is here, and for many people that means vacation. Some of the best vacations are the ones that allow you to spend time with family who live far away. If youre planning to visit your kids and grandkids this summer, why not make the most of your time with them? You may know your way around a computer, but youngsters today who grew up on a computer can teach most of us some new tricks. And theyd probably be thrilled to share some online time with their grandparents. Ask them to pull out their tablet, IPad, or laptop and show you how to find your way around Social Securitys website. Ask them to show you how to use www.socialsecurity.gov to avoid unneeded trips to a Social Security office. Have them show you our library of online publications containing all the information you might want to know on an array of Social Security, retirement, and Medicare subjects.

The publications can be found at www.socialsecurity. gov/pubs/index.html. If youre thinking about retirement, for example, you may want to check out When To Start Receiving Retirement Benefits at www.socialsecurity.gov/pubs/10147.html. (Unlike some libraries, theres no due date to remember.) That was easy! With the young ones helping you, you might as well go ahead and spend another 15 minutes to get the job done. No need to put on your shoes and sunglassesyou can apply online without having to leave your home. Visit www.socialsecurity.gov/applyonline where you can apply for retirement benefits in as little as 15 minutes. Once you click the submit button, youre done; in most cases there are no forms to sign or documents to mail in. Heres a way to get the attention of the young ones: ask them about Facebook and Twitter. Once theyve got you on Facebook, youll have a new way of connecting with them. Did you know Social Security is on Facebook and Twitter too? Just go to www. socialsecurity.gov and click the Facebook and Twitter icons on the main page. Visiting your kids and grandchildren can be a lot of fun. Make it productive as well by asking $ the young whiz kid in your family about www.socialsecurity.gov.

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Clear Out! Cash In!

By Dawn Lamb Owner of the Lambs Loft

ave you ever been interested in selling online? Identifying the items that you want to sell is only part of the equation. Knowing your online selling options will maximize your potential for making the most money. When posting items online be sure to write a description as if there were no picture, and post pictures as if there was no description. Remember to always be honest about the condition of an item. Before listing an item on any online site, do your homework and find out as much information about the item, especially the current value. The following is a brief overview of the three top online options Craigslist, eBay, and Etsy. Craigslist No monetary cost Fast and easy to list items and photos Suited for selling larger items such as furniture, outdoor, exercise equipment, etc. Great FREE option for advertising yard/garage sales Caters primarily to the local area eBay Best option for continuous selling Offers 3 different ways to sell Fixed Price, Auction and eBay Store Worldwide audience Can command higher prices for certain items Offers ongoing sales education and tools Best for selling a variety of collectibles and vintage items Etsy Longer and more difficult to list items for sale Best for selling handmade items and certain vintage collectibles Fixed prices only Less expensive fees than eBay Listings stay online longer
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Avoiding Check Scams

Consumer Federation of America

he letter says that youve won millions in a sweepstakes or lottery, & there is a check or money order enclosed as part of your winnings. All you need to do to get the rest is send money to pay the taxes. Or someone offers you a job working at home as a mystery shopper or accounts manager. Its easy you deposit the checks or money orders youll receive & send the money somewhere, minus your pay. Is this your lucky day? NO! Its a fake check scam that will cost you thousands unless you know the danger signs. 1. If someone gives you a check or money order & asks you to send money somewhere in return, its a scam. That is not how legitimate sweepstakes operators or other companies operate. If you have really won, you will pay taxes directly to the government. Legitimate mystery shopper or account manager jobs dont involve using money transfer services to send money. 2. A familiar company name doesnt guarantee that its legitimate. Crooks often pretend to be from well-known companies to gain peoples trust. Find the companys contact information independently, online or through directory assistance, & contact it yourself to verify the information.

3. The check or money order may be fake even if your bank or credit union lets you have the cash. You have the right to get the cash quickly, usually within 1-2 days, but your bank or credit union cant tell if there is a problem with the check or money order until it has gone through the system to the person or company that supposedly issued it. That can take weeks. By the time the fraud is discovered, the crook has pocketed the cash. 4. When the check or money order bounces, you will have to pay the money back to your bank or credit union. You are responsible because you are in the best position to know if the person who gave it to you is trustworthy. If you dont pay the money back, your account could be frozen or closed, and you could be sued. 5. Sending money using a money transfer service is like sending cash once the crook picks it up you cant get it back from the service. If the money has not been picked up yet, you may be able to stop the transaction. Contact the money transfer service immediately if you think youve been scammed.

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Energy Saving Tips

Information Provided by the U.S. Department of Energy
id you know that the typical U.S. family spends about $1,900 a year on home utility bills? Unfortunately, a large portion of that energy is wasted. And each year, electricity generated by fossil fuels for a single home puts more carbon dioxide into the air than two average cars. Here are some energy saving tips: Install a programmable thermostat to keep your house comfortably warm in the winter and comfortably cool in the summer. Use compact fluorescent light bulbs with the ENERGY STAR label. Air dry dishes instead of using your dishwashers drying cycle. Turn off your computer and monitor when not in use. Plug home electronics, such as TVs and DVD players, into power strips; turn the power strips off when the equipment is not in use (TVs and DVDs in standby mode still use several watts of power). Lower the thermostat on your hot water heater to 120F. Take short showers instead of baths. Wash only full loads of dishes and clothes. Drive sensibly. Aggressive driving (speeding, rapid acceleration and braking) wastes gasoline. Look for the ENERGY STAR label on home appliances and products. ENERGY STAR products meet strict efficiency guidelines set by the U.S. Department of Energy and the Environmental Protection Agency.

For more energy-saving ideas, visit: www.energysavers.gov

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Bills getting you down?

Dont know who to ask?

CALL TOLL FREE

1-877-246-2026
Speak to a credit counselor Schedule an appointment Ask credit questions
Hassle FREE! No Cost! No Obligation! JUST HELP!

Get your own FREE nancial coach. Call 302.283.5562 to schedule a meeting in Claymont.
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A DFLI~Money School program with funding from the Delaware Financial Literacy Education Fund and in partnership with CCCS of MD and DE and the Claymont Community Center.

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WANTED...Your Ideas!
Creative recipes Useful money saving tips Ideas for upcoming issues

Please help us to make this magazine YOUR MAGAZINE and tell us what you want to see in upcoming issues...

Send to info@dfli.org$ $
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By Sharon Boland, Citi ts ALWAYS time to open your windows and let the fresh air in. When you do, begin a new tradition - start making your own cleaning products. You will save money, a lot of money, in fact! To see how much you can save, take a look at the cost of cleaning products the next time you shop. The cleaning product recipes below are non-toxic and safer for the environment, and smell delightful if you add essential oils. Many essential oils contain anti-bacterial, anti-fungal and/ or anti-viral properties so they make wonderful homemade cleaners. Lavender, eucalyptus, lemon and grapefruit oils are some which are anti-bacterial. Tea Tree Oil is an essential oil which is also anti-bacterial but has a refreshing smell, not flowery or sweet. Baking soda, salt and Borax are great abrasive scrubbers. Wet your surface with water and then sprinkle either baking soda, salt and Borax over the area. Add a small amount of liquid dish soap and enough water to make a Scrub. You may need to add more baking soda, salt, Borax or soap to get the correct consistency you want if you added too much water. Scrub away and be sure to rinse your surface well when finished. Borax is anti-bacterial and can be found in many grocery and chain stores in the detergent aisle. If you are scrubbing in the kitchen or bathroom, you may want to add a few drops of essential oil for the anti-bacterial quality. For ease or if you have several areas to clean, make the scrub in a bowl first. For easy access, keep the baking soda, salt or Borax in a large shaker bottle.

TIPS 1.) If you are going to use essential oils, purchase 100% pure essential oils, available at local health food stores. Purchase an eye dropper to help dispense the oils. 2.) Sprayer bottles are cheapest at dollar stores. You may also want to purchase a plastic tote or bucket

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3.) Old toothbrushes make great cleaning to carry and store your cleaning supplies. tools for reaching small areas around sinks.

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From The DFLI Kitchen

GAZPACHO Bonnie Meszaros, (DFLI Board)
Ingredients: 6 ripe tomatoes (peeled and chopped) 1 Medium Cucumber (peeled, seeded, and chopped) 1 small onion (finely chopped) 1 small green pepper (finely chopped) 1 small clove garlic - (minced) 3 cups of tomato juice 2 tablespoons of olive oil 2 tablespoons of vinegar 1 teaspoon of salt 1 teaspoon of pepper Few drops of Tabasco In a large bowl combine all ingredients and chill thoroughly. Can be served with dallop of sour cream, or croutons.Serves 6-8.

PANZANELLA ALLA PENNE

Ingredients: 1 loaf of Italian bread 3 large cucumbers (peeled and seeded) 5 large ripe tomatoes 1 pound mozzarella cheese 1 bunch Italian parsley, coarsely chopped Cut all ingredients (except parsley) into cubes of similar size - about 1 1/2 inches. Toss with parsley. Just before serving toss with 1/2 c. dressing made of thwo thirds fragrant olive oil and one third balsamic vinegar. If needed, add more dressing so that bread is very moist. salt, no pepper. Serves 4-6.

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From Purses to Portfolios

~ Become a Take Charge Delaware Woman (or Man) ~ Attend Free Delaware Money School Classes & From Purses to Portfoilios Community Events ~ See how many hours you can accumulate Reach a new level and be honored by invitation only at the From Purses to Portfolios Celebration on Saturday, October 22, 2011.

For more info - www.pursestoportfolios.com

Certicate Log
Check www.delawaremoneyschool.com for class listings and to register. Bring the Certicate Log to each class you attend and have the instructor sign it. Return this page after completing each 10 hours or new level.
Date Name of Class/Event # of Class Hours Instructor Signature

1 2 3 4 5

Name ______________________________________________________________________ Date _____________________ Address ___________________________________City ______________________State____________ Zip Code___________ Daytime Phone_________________________________________Email_____________________________________________ -# of Hours on this Log______________________________Total # of Hours Attended to Date_________________________ Level 1 Level 2 Next Level Treasurers Circle Ambassador of Financial Education Platinum Portfolio

(10 hours)

(20 hours)

(30 hours)

(100 Hours)

meet DFLIs staff . . .

Back row: (From L to R) Rachel Beeson, Program Assistant, Karen Graham, Senior Associate Director, Tami Schoenfeld, Associate Director, Nancy Dotsicas, Office Manager, Kiersten Joseph, Project Coordinator, Christine Paski, Program Specialist Front row: (left to right) Virginia Russell, Citibank, N.A. & DFLI Executive on Loan, Ronni Cohen, Executive Director of DFLI DFLI

QUICK QUIZ
Which staff members are UD graduates? Who are the two swimmers on staff? Whose daughter dances in France? Who is the most recent newlywed? Who is a twin? Who on staff owns a cat(s)?
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A good today.

An even better tomorrow.

Citi is proud to support DFLI ~ The Money School. We salute those who help make our world a better place.