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Community Development Banking List

02-15-2010, 11:18 AM

Original message from: John.Rooney@yale.edu

Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-15-2010, 11:30 AM

Original message from: suneet@socialsymmetry.com

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well: http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-15-2010, 12:08 PM

Original message from: kdillon@checkspring.com

Also, check out http://www.cents-ability.org/ ('http://www.cents-ability.org/')

________________________________

From: bounce-5292373-4990471@list.cornell.edu
[mailto:bounce-5292373-4990471@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year
student at the Yale School of Management doing research on student
savings programs. If anybody has information on increasing K-12
financial literacy, structuring savings product for this age group, or
knowledge of good programs that exist in this area, please let me know.
Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-15-2010, 12:30 PM

Original message from: Edith.Bartley@uncf.org

John,
Please check out CFED, their website- www.cfed.org They specialize in
asset building for students and the entire family as a whole. You
should consider calling their Washington office directly and requesting
to speak with someone in their government affairs department or on the
program side.

Edith L. Bartley
Director of Government Affairs
UNCF
8260 Willow Oaks Corporate Drive
Fairfax, Virginia 22031-4511
Tel: (703) 205-3544 | Fax: (703) 205-3542

UNCF: United Negro College Fund

-----Original Message-----
From: bounce-5292318-11588084@list.cornell.edu
[mailto:bounce-5292318-11588084@list.cornell.edu] On Behalf Of Rooney,
John
Sent: Monday, February 15, 2010 12:07 PM
To: communitydevelopmentbanking-l@cornell.edu
Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at
the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

Community Development Banking List

02-15-2010, 12:30 PM

Original message from: stevie2@earthlink.net

.and American Families Institute, Individual Development Account (AFI
IDA's), money smart savings:
http://www.fdic.gov/consumers/consumer/moneysmart/newsletter/fall2009/index. ('http://www.fdic.gov/consumers/consumer/moneysmart/newsletter/fall2009/index.')
html

__________________________________________________ ____

Stephanie Swepson-Twitty

EMSDC President and CEO

70 S. Market Street

Asheville, NC 28801

Phone: 828.281.1227

Fax: 828.281.1401

stephanie@eaglemarketstreets.org

From: bounce-5292577-8994015@list.cornell.edu
[mailto:bounce-5292577-8994015@list.cornell.edu] On Behalf Of Kelly Dillon
Sent: Monday, February 15, 2010 12:57 PM
To: Suneet Bhatt (Social Symmetry); Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs

Also, check out http://www.cents-ability.org/ ('http://www.cents-ability.org/')

_____

From: bounce-5292373-4990471@list.cornell.edu
[mailto:bounce-5292373-4990471@list.cornell.edu] On Behalf Of Suneet Bhatt
(Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well: http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-15-2010, 01:46 PM

Original message from: dylan@savetogether.org

Hi John,

One of the largest student-focused matched savings programs in the U.S is
Juma Ventures (http://www.jumaventures.org). ('http://www.jumaventures.org).') They offer a youth IDA
including tailored financial education classes for high-school students.
Some of their participating savers (and their stories) are on the
SaveTogether platform
here<http://www.savetogether.org/match-savers/?asset_type_id=&metro_area_id=&organization_id=61&x=17&y=15>. ('http://www.savetogether.org/match-savers/?asset_type_id=&metro_area_id=&organization_id=61&x=17&y=15>.')

Dylan

On Mon, Feb 15, 2010 at 9:07 AM, Rooney, John <John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

--
Dylan Higgins
CEO, SaveTogether
206.414.9793
dylan@savetogether.org

Community Development Banking List

02-15-2010, 02:08 PM

Original message from: james.gatz@acf.hhs.gov

Steve: Please give us a call at the Assets for Independence Resource Center 1-866-778-6073 or check out our websites http:/www.acf.hhs.gov/assetbuilding and www.IDAresources.org We are supporting several asset building projects focused on younger savers. In addition, we are eager to expand ways our agency can enable more organizations in the early childhood learning community to focus on financial education and asset building strategies. Let's talk. Jim Gatz

James Gatz
Program Manager
Assets for Independence
370 L'Enfant Promenade, S.W.
Washington, D.C. 20447
james.gatz@acf.hhs.gov

________________________________

From: bounce-5292654-11587887@list.cornell.edu on behalf of Stevie
Sent: Mon 2/15/2010 1:21 PM
To: 'Kelly Dillon'; 'Suneet Bhatt (Social Symmetry)'; 'Rooney, John'
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs

...and American Families Institute, Individual Development Account (AFI IDA's), money smart savings: http://www.fdic.gov/consumers/consumer/moneysmart/newsletter/fall2009/index.html ('http://www.fdic.gov/consumers/consumer/moneysmart/newsletter/fall2009/index.html')

__________________________________________________ ____

Stephanie Swepson-Twitty

EMSDC President and CEO

70 S. Market Street

Asheville, NC 28801

Phone: 828.281.1227

Fax: 828.281.1401

stephanie@eaglemarketstreets.org

From: bounce-5292577-8994015@list.cornell.edu [mailto:bounce-5292577-8994015@list.cornell.edu] On Behalf Of Kelly Dillon
Sent: Monday, February 15, 2010 12:57 PM
To: Suneet Bhatt (Social Symmetry); Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs

Also, check out http://www.cents-ability.org/ ('http://www.cents-ability.org/')

________________________________

From: bounce-5292373-4990471@list.cornell.edu [mailto:bounce-5292373-4990471@list.cornell.edu] On Behalf Of Suneet Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs

Check out www.threejars.com <http://www.threejars.com/> ('http://www.threejars.com/>') (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org <http://dream-village.org/> ('http://dream-village.org/>') | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well: http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-15-2010, 02:08 PM

Original message from: MLACOMBE@ncua.gov

FDIC Money Smart has introduced a free youth financial education
program! http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')

Michelle Lacombe, CUDE

-----Original Message-----
From: bounce-5292318-8259840@list.cornell.edu
[mailto:bounce-5292318-8259840@list.cornell.edu] On Behalf Of Rooney,
John
Sent: Monday, February 15, 2010 11:07 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at
the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

Community Development Banking List

02-15-2010, 04:30 PM

Original message from: crosbykh@earthlink.net

Hello, John:

Native American Community Development Corporation (NACDC) has a "MIni-Bank" Program that has been tested over 13 years on different reservations: Blackfeet Nation, Fort Belknap, Fort Peck and Rocky Boy's Agency in Montana, Fort Hall in Idaho and Ute Mountain Ute Tribe (Cortez District schools) in Colorado. The NACDC Mini-Bank Program uses the FDIC Money$mart curriculum and has tailored that program to meet each Native community. A PowerPoint presentation that outlines the program at Black feet is accessible at www.nacdc.org.

The Program is delivered in schools to 4th-12th grade students by local coordinators who are trained, supported and mentored by NACDC's Mini-Bank Director in Browning, MT. The IDA component of the Mini-Bank Program is in place on the Blackfeet Reservation at the Blackfeet Language School. All students at all schools within a Native community have savings accounts.

For more information please contact Steven Powell, Director of Mini-Bank Programs for NACDC via email at okii78@hotmail.com or 406 338 2292.

-----Original Message-----
From: "Rooney, John" <John.Rooney@yale.edu>
Sent: Feb 15, 2010 12:07 PM
To: "communitydevelopmentbanking-l@cornell.edu" <communitydevelopmentbanking-l@cornell.edu>
Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

Karen Crosby
development strategies
720 201 6522
Denver and Philadelphia

crosbykh@earthlink.net

Community Development Banking List

02-16-2010, 08:18 AM

Original message from: green.461@osu.edu

Hi!

Real Money Real World is an The Ohio State University Extension curriculum, although it is in Ohio the curriculum can be purchased online = trainers/facilitators or train the trainer sessions can be arranged.

http://realmoneyrealworld.osu.edu/ ('http://realmoneyrealworld.osu.edu/')

Smart piggy is a program that is simple to use and requires parents/guardian support.

http://www.smartpiggybank.com/ ('http://www.smartpiggybank.com/')

Hope this is useful.

-----Original Message-----

From: bounce-5292318-8116721@list.cornell.edu [mailto:bounce-5292318-8116721@list.cornell.edu] On Behalf Of Rooney, John

Sent: Monday, February 15, 2010 12:07 PM

To: communitydevelopmentbanking-l@cornell.edu

Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-16-2010, 10:30 AM

Original message from: jdowd@coastalfcu.org

Please take a look at this link: http://www.learntobank.com/ ('http://www.learntobank.com/')

Jeff Dowd
Community Development Manager
Coastal Federal Credit Union
1000 St. Albans Dr. / Suite 200
Raleigh, NC 27609
Office (919) 420-8017
(800) 868-4262 ext. 8017
Cell (919) 740-6196
Fax (919) 882-6725

CONFIDENTIALITY NOTICE: This e-mail (and any attachments) is intended for
the use of the person to whom it is addressed and contains information
that is confidential, the disclosure of which is governed by applicable
law and which, under certain circumstances, may also be privileged. If
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"Rooney, John" <John.Rooney@yale.edu>
Sent by: bounce-5292318-5875196@list.cornell.edu
02/15/2010 12:07 PM
Please respond to
"Rooney, John" <John.Rooney@yale.edu>

To
"communitydevelopmentbanking-l@cornell.edu"
<communitydevelopmentbanking-l@cornell.edu>
cc

Subject
Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at
the Yale School of Management doing research on student savings programs.
If anybody has information on increasing K-12 financial literacy,
structuring savings product for this age group, or knowledge of good
programs that exist in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-16-2010, 10:30 AM

Original message from: charlesgourd2@gmail.com

this is the Oklahoma site: http://www.oklahomajumpstart.org/ ('http://www.oklahomajumpstart.org/')
<http://www.oklahomajumpstart.org/>this ('http://www.oklahomajumpstart.org/>this') is a function, as I understand, of
the various regional Federal Reserve Banks -

On Mon, Feb 15, 2010 at 11:07 AM, Rooney, John <John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-16-2010, 10:30 AM

Original message from: vikki@lanierplace.com

I also like the savings model at the Maya Angelou Charter school in DC where
they encourage all students to "learn in the real world" and work and save:

http://www.seeforever.org/MAPCS/theMayaWay.html ('http://www.seeforever.org/MAPCS/theMayaWay.html')

Vikki Frank

Tel: 202-368-0500

vikki@lanierplace.com

Ability is what you're capable of doing. Motivation determines what you do.
Attitude determines how well you do it. Coach Holtz

-----Original Message-----
From: bounce-5292318-4990431@list.cornell.edu
[mailto:bounce-5292318-4990431@list.cornell.edu] On Behalf Of Rooney, John
Sent: Monday, February 15, 2010 12:07 PM
To: communitydevelopmentbanking-l@cornell.edu
Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-16-2010, 10:58 AM

Original message from: werner@wesbanco.com

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

________________________________

From: bounce-5292373-8741519@list.cornell.edu
[mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm') <br>DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is prohibited. If you are not the intended recipient,
please contact the sender by reply e-mail and destroy all copies of the
original message.

Community Development Banking List

02-16-2010, 11:58 AM

Original message from: KTerhune@hughesfcu.org

http://www.fefe.arizona.edu/ ('http://www.fefe.arizona.edu/')

Kellie Terhune Neely
Vice President Marketing
Hughes Federal Credit Union
(520) 205-5670
(520) 205-5699
kterhune@hughesfcu.org

Confidentiality Notice - The information contained in this transmission may contain privileged and confidential information and is intended only for the use of the person(s) named above. If you are not the intended recipient, or an employee or agent responsible for delivering this message to the intended recipient, any review, dissemination, distribution or duplication of this communication is strictly prohibited. If you are not the intended recipient, please contact the sender immediately by reply e-mail and destroy all copies of the original message.

>> "Rooney, John" <John.Rooney@yale.edu> 2/15/2010 10:07 AM >>>
Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

Community Development Banking List

02-16-2010, 12:18 PM

Original message from: dchatfieldberes@ohcfcu.com

National Endowment for Financial Education provides NEFE materials
geared more toward high school - http://hsfpp.nefe.org/ ('http://hsfpp.nefe.org/')

I've also used and like VISA Practical Money Skills for a range of ages
- http://www.practicalmoneyskills.com/ ('http://www.practicalmoneyskills.com/') (the Financial Football is always
a big hit with class-sized groups...I usually split the room in half and
it's one side against the other)

Several states have various versions of a Real Money life simulation
event - http://realmoneyrealworld.osu.edu/ ('http://realmoneyrealworld.osu.edu/')

And Junior Achievement runs BizTown simulations in some areas -
http://www.thisweeknews.com/live/content/gahanna/stories/2009/12/23/1224 ('http://www.thisweeknews.com/live/content/gahanna/stories/2009/12/23/1224')
rfbiztown_ln.html?type=rss&cat=&sid=104

PBS shows BizKids - http://www.bizkids.com/ ('http://www.bizkids.com/')

For younger kids there's a for-profit entity that does MoonJars -
http://www.moonjar.com/ ('http://www.moonjar.com/')

ThrivebyFive - http://www.creditunion.coop/thriveby5/index.html ('http://www.creditunion.coop/thriveby5/index.html')

Various credit unions and banks run in-school student branches.
Michigan, in particular, has LOTS of student-run credit union branches
(contact the Michigan Credit Union League for information --
800-262-6285). I'm not sure about a good central resource on the bank
side, but on the credit union side see http://www.nyib.org/ ('http://www.nyib.org/') or talk to
some of them that have branches up and running:
http://finlit.cuna.org/youth/youth_inschool.html ('http://finlit.cuna.org/youth/youth_inschool.html')
Stats on student-run credit unions by state:
http://www.cunapfi.org/download/196_2009_YE_SUMMARY.xls ('http://www.cunapfi.org/download/196_2009_YE_SUMMARY.xls')

Plus some other research/items for your reading enjoyment:
http://www.occ.gov/cdd/Insights-Schoolbasedbank.pdf ('http://www.occ.gov/cdd/Insights-Schoolbasedbank.pdf')
http://www.cunapfi.org/download/168_CUNA_Report_PHASE_ONE_FINAL_4-28-9.p ('http://www.cunapfi.org/download/168_CUNA_Report_PHASE_ONE_FINAL_4-28-9.p')
df
http://www.cunapfi.org/download/181_Bank_Accts_and_Youth_Financial_Knowl ('http://www.cunapfi.org/download/181_Bank_Accts_and_Youth_Financial_Knowl')
edge.pdf
http://www.cunapfi.org/download/148_Research_Symposium_paper_12-8-08.pdf ('http://www.cunapfi.org/download/148_Research_Symposium_paper_12-8-08.pdf')
http://www.aboutschwab.com/media/pdf/2008_Schwab_Parents_and_Money_Surve ('http://www.aboutschwab.com/media/pdf/2008_Schwab_Parents_and_Money_Surve')
y_Factsheet.pdf

That's the tip of the iceburg. I'm sure others will share their
favorites. Good luck!

Danielle Chatfield-Beres, CUDE

Controller

Ohio HealthCare Federal Credit Union

614.737.6030 x.163 tel

614.737.6031 fax

3955 W. Dublin Granville Rd.

Dublin, OH 43017

dberes@ohcfcu.com

Join us for Marching Miles for Miracle Kids 2010!
Visit www.marchingmiles.com for more info.

-----Original Message-----
From: bounce-5292318-4989612@list.cornell.edu
[mailto:bounce-5292318-4989612@list.cornell.edu] On Behalf Of Rooney,
John
Sent: Monday, February 15, 2010 12:07 PM
To: communitydevelopmentbanking-l@cornell.edu
Subject: Student Savings Programs

Good afternoon. My name is John Rooney and I'm a second-year student at
the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

Community Development Banking List

02-17-2010, 07:46 AM

Original message from: Bill@RunontheBank.net

From: "Brock Seraphin" <Bseraphin@doloreshuerta.org>
John,
Check out the making cents program. I believe they have a number of
curriculums for various ages. The FDIC Money Smart program also has
training catering to youth. http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')
Brock Seraphin
Micro-Lending Program Coordinator
Dolores Huerta Foundation
PO Box 9189, Bakersfield, CA 93389
(661) 322-3033
FAX: (661) 322-3334

John" <John.Rooney@yale.edu>
John,
At the Latino Community Credit Union, we offer savings and checking
accounts for youth ages 13 to 18. We also have savings accounts for children.
Here is some info about the
accounts http://www.latinoccu.org/en/products/accounts/youth ('http://www.latinoccu.org/en/products/accounts/youth') as
well as info about an essay and photo contest we did with youth to
educate them about the culture of
savings http://www.latinoccu.org/en/contest ('http://www.latinoccu.org/en/contest')
Alejandro

From: "Nora Smith" <noras@niagaracountyfcu.org>
Check this out, http://www.moonjar.com ('http://www.moonjar.com')
Our NYSCUF uses this jar and materials as a tool while promoting
Financial Literacy.
Nora E. Smith
Operations Manager
NCFCU
716-434-4180, ext. 305
noras@niagaracountyfcu.org

From: "Barbara Gorzinski" <barbarag@associatedministries.org>
Not specifically about savings but Washington has a statewide
Financial Education Public Private Partnership that has been working
for several years on getting financial literacy content into school
curriculums and training teachers to deliver financial literacy
topics in the classroom. The website that details the work of this
group is www.feppp.org .
Barbara Gorzinski, Program Manager
Pierce County Asset Building Coalition
"Actively engaging Pierce County residents in building prosperity"
Associated Ministries
1224 S. I St, Tacoma, WA 98405
(253)383-3056 x118
(253)383-2672 (fax)
www.piercecountyabc.org
barbarag@associatedministries.org

Community Development Banking List

02-17-2010, 08:58 AM

Original message from: karenharris@povertylaw.org

Check out Young American’s Bank in Denver Colorado (the only bank in the
world solely for children). Also see CFED’s website for information about
children’s savings accounts pilot projects – Savings for Education,
Entrepreunership and Development (SEED)

*From:* bounce-5311224-9341170@list.cornell.edu [mailto:
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* bounce-5292373-8741519@list.cornell.edu [mailto:
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt (Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well: http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or distribution is
prohibited. If you are not the intended recipient, please contact the sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-17-2010, 12:58 PM

Original message from: mklibby@gmail.com

Mission SF in San Francisco supports a credit union owned and operated by
youth. The Youth Credit Union Program offers short and long term savings
accounts for children and youth under age 18, and a new prize-linked savings
program. There is a national network of similar youth-run programs supported
by community development credit unions coordinated by the Federation of
Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of high
school students that adapts financial curricula and exercises to ensure that
the content is relevant and engaging to low-income urban youth. YTEP youth
deliver financial workshops to their peers, mostly through community program
settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel 415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young American’s Bank in Denver Colorado (the only bank in the
world solely for children). Also see CFED’s website for information about
children’s savings accounts pilot projects – Savings for Education,
Entrepreunership and Development (SEED)

*From:* <bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu
[mailto:<bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

<http://www.americasaves.org/youth/>http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/>http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* <bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu
[mailto:<bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt (Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out <http://www.threejars.com>www.threejars.com ('http://www.threejars.com>www.threejars.com') (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: <http://dream-village.org>dream-village.org ('http://dream-village.org>dream-village.org') | Grownups:
<http://dream-village.org/grownups>dream-village.org/grownups ('http://dream-village.org/grownups>dream-village.org/grownups')

Video demo of Dream Village: <http://bit.ly/welcometodv> ('http://bit.ly/welcometodv>')
http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well: <http://bit.ly/savedbythewellpreview> ('http://bit.ly/savedbythewellpreview>')
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John < <John.Rooney@yale.edu>
John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at the
Yale School of Management doing research on student savings programs. If
anybody has information on increasing K-12 financial literacy, structuring
savings product for this age group, or knowledge of good programs that exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or distribution is
prohibited. If you are not the intended recipient, please contact the sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-17-2010, 01:30 PM

Original message from: rochellejewelwatson@yahoo.com

Hi John:
Â*
You should take a look at CFEDâ€™s website http://cfed.org/programs/abc/ ('http://cfed.org/programs/abc/') for information on our childrenâ€™s savings demonstration called the SEED Initiative. SEED was a 10-year research, policy and practice initiative designed to test and implement incentivized matched savings accounts and financial education for more than 1300 children and youth across the country.Â* Most of the children saved for post-secondary education. We have experience structuring savings account products and financial education for children, and Iâ€™d be happy to speak with you directly and share more information.Â* Give me a call when you have a chance.
Â*
Best,
Rochelle
Â*
Rochelle Watson
Senior Program Manager
CFED â€“Celebrating 30 Years of Expanding Economic Opportunity
626.698.4736
626.698.0621(fax)
rwatson@cfed.org
www.cfed.org
Â*
Follow CFED News on Twitter and Facebook!
Â*
PÂ*Please consider the environment before printing this e-mail

________________________________
From: Margaret Libby <mklibby@gmail.com>
To: Karen Harris <karenharris@povertylaw.org>
Cc: "Werner, Lisa" <werner@wesbanco.com>; "communitydevelopmentbanking-l@cornell.edu" <communitydevelopmentbanking-l@cornell.edu>
Sent: Wed, February 17, 2010 10:49:37 AM
Subject: Re: Student Savings Programs

Mission SF in San Francisco supports a credit union owned and operated by youth. The Youth Credit Union Program offers short and long term savings accounts for children and youth under age 18, and a new prize-linked savings program. There is a national network of similar youth-run programs supported by community development credit unions coordinated by the Federation of Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of high school students that adapts financial curricula and exercises to ensure that the content is relevant and engaging to low-income urban youth. YTEP youth deliver financial workshops to their peers, mostly through community program settings. More information can be found at http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel Â*415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org> wrote:

Check out Young Americanâ€™s Bank in Denver Colorado (the only bank in the world solely for children).Â* Also see CFEDâ€™s website for information about childrenâ€™s savings accounts pilot projects â€“ Savings for Education, Entrepreunership and Development (SEED)
Â*
From:bounce-5311224-9341170@list.cornell.edu [mailto:bounce-5311224-9341170@list.cornell.edu] On Behalf Of Werner, Lisa
Sent: Tuesday, February 16, 2010 10:43 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs
Â*
Good morning,
Young America Saves may be a good resource:
http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')
Â*
Have a great day,
Lisa
Lisa Werner
Asst. Vice PresidentÂ*- Mortgage CRA Officer
WesBanco Bank, Inc.
1 Bank Plaza
Wheeling, WV 26003
Pho: 304-234-9221
Fax: 304-234-9481
Â*

________________________________

From:bounce-5292373-8741519@list.cornell.edu [mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs
Â*
Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

> Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
> Video preview of Saved by the Well: http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu> wrote:
Good afternoon. My name is John Rooney and I'm a second-year student at the Yale School of Management doing research on student savings programs. If anybody has information on increasing K-12 financial literacy, structuring savings product for this age group, or knowledge of good programs that exist in this area, please let me know. Thanks in advance!

John

Â*
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, and disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

Community Development Banking List

02-18-2010, 09:30 AM

Original message from: JWillig@nyhomes.org

does anyone remember a school saving program in NYC in the 60s where
every kid got a "passbook savings account" and made regular deposits
through school?

>> "For more information digest"
<communitydevelopmentbanking-l@list.cornell.edu> 2/18/2010 1:05 AM
>>
COMMUNITYDEVELOPMENTBANKING-L Digest for Wednesday, February 17, 2010.

1. RE: Student Savings Programs
2. RE: Student Savings Programs
3. Re: Student Savings Programs
4. Re: Student Savings Programs
5. Community Impact Workshop - Industry Leaders Discuss this Core NMTC
Topic
6. Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable
7. tax rates plummet at top as incomes soar

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: William Myers <Bill@RunontheBank.net>
Date: Wed, 17 Feb 2010 08:25:36 -0500
X-Message-Number: 1

From: "Brock Seraphin" <Bseraphin@doloreshuerta.org>
John,
Check out the making cents program. I believe they have a number of
curriculums for various ages. The FDIC Money Smart program also has
training catering to youth.
http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')
Brock Seraphin
Micro-Lending Program Coordinator
Dolores Huerta Foundation
PO Box 9189, Bakersfield, CA 93389
(661) 322-3033
FAX: (661) 322-3334

John" <John.Rooney@yale.edu>
John,
At the Latino Community Credit Union, we offer savings and checking
accounts for youth ages 13 to 18. We also have savings accounts for
children.
Here is some info about the
accounts http://www.latinoccu.org/en/products/accounts/youth ('http://www.latinoccu.org/en/products/accounts/youth') as
well as info about an essay and photo contest we did with youth to
educate them about the culture of
savings http://www.latinoccu.org/en/contest ('http://www.latinoccu.org/en/contest')
Alejandro

From: "Nora Smith" <noras@niagaracountyfcu.org>
Check this out, http://www.moonjar.com ('http://www.moonjar.com')
Our NYSCUF uses this jar and materials as a tool while promoting
Financial Literacy.
Nora E. Smith
Operations Manager
NCFCU
716-434-4180, ext. 305
noras@niagaracountyfcu.org

From: "Barbara Gorzinski" <barbarag@associatedministries.org>
Not specifically about savings but Washington has a statewide
Financial Education Public Private Partnership that has been working
for several years on getting financial literacy content into school
curriculums and training teachers to deliver financial literacy
topics in the classroom. The website that details the work of this
group is www.feppp.org .
Barbara Gorzinski, Program Manager
Pierce County Asset Building Coalition
"Actively engaging Pierce County residents in building prosperity"
Associated Ministries
1224 S. I St, Tacoma, WA 98405
(253)383-3056 x118
(253)383-2672 (fax)
www.piercecountyabc.org
barbarag@associatedministries.org

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: Karen Harris <karenharris@povertylaw.org>
Date: Wed, 17 Feb 2010 08:25:08 -0600
X-Message-Number: 2

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* bounce-5311224-9341170@list.cornell.edu [mailto:
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* bounce-5292373-8741519@list.cornell.edu [mailto:
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Margaret Libby <mklibby@gmail.com>
Date: Wed, 17 Feb 2010 10:49:37 -0800
X-Message-Number: 3

Mission SF in San Francisco supports a credit union owned and operated
by
youth. The Youth Credit Union Program offers short and long term
savings
accounts for children and youth under age 18, and a new prize-linked
savings
program. There is a national network of similar youth-run programs
supported
by community development credit unions coordinated by the Federation
of
Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high
school students that adapts financial curricula and exercises to ensure
that
the content is relevant and engaging to low-income urban youth. YTEP
youth
deliver financial workshops to their peers, mostly through community
program
settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel 415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* <bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu
[mailto:<bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

<http://www.americasaves.org/youth/>http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/>http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* <bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu
[mailto:<bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out <http://www.threejars.com>www.threejars.com ('http://www.threejars.com>www.threejars.com') (formerly
"FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: <http://dream-village.org>dream-village.org ('http://dream-village.org>dream-village.org') | Grownups:
<http://dream-village.org/grownups>dream-village.org/grownups ('http://dream-village.org/grownups>dream-village.org/grownups')

Video demo of Dream Village: <http://bit.ly/welcometodv> ('http://bit.ly/welcometodv>')
http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
<http://bit.ly/savedbythewellpreview> ('http://bit.ly/savedbythewellpreview>')
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <
<John.Rooney@yale.edu>
John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Rochelle Watson <rochellejewelwatson@yahoo.com>
Date: Wed, 17 Feb 2010 11:14:43 -0800 (PST)
X-Message-Number: 4

Hi John:
â”¬Ã¡
You should take a look at CFEDÎ“Ã‡Ã–s website
http://cfed.org/programs/abc/ ('http://cfed.org/programs/abc/') for information on our childrenÎ“Ã‡Ã–s
savings demonstration called the SEED Initiative. SEED was a 10-year
research, policy and practice initiative designed to test and implement
incentivized matched savings accounts and financial education for more
than 1300 children and youth across the country.â”¬Ã¡ Most of the children
saved for post-secondary education. We have experience structuring
savings account products and financial education for children, and IÎ“Ã‡Ã–d
be happy to speak with you directly and share more information.â”¬Ã¡ Give
me a call when you have a chance.
â”¬Ã¡
Best,
Rochelle
â”¬Ã¡
Rochelle Watson
Senior Program Manager
CFED Î“Ã‡Ã´Celebrating 30 Years of Expanding Economic Opportunity
626.698.4736
626.698.0621(fax)
rwatson@cfed.org
www.cfed.org
â”¬Ã¡
Follow CFED News on Twitter and Facebook!
â”¬Ã¡
Pâ”¬Ã¡Please consider the environment before printing this e-mail

________________________________
From: Margaret Libby <mklibby@gmail.com>
To: Karen Harris <karenharris@povertylaw.org>
Cc: "Werner, Lisa" <werner@wesbanco.com>;
"communitydevelopmentbanking-l@cornell.edu"
<communitydevelopmentbanking-l@cornell.edu>
Sent: Wed, February 17, 2010 10:49:37 AM
Subject: Re: Student Savings Programs

Mission SF in San Francisco supports a credit union owned and operated
by youth. The Youth Credit Union Program offers short and long term
savings accounts for children and youth under age 18, and a new
prize-linked savings program. There is a national network of similar
youth-run programs supported by community development credit unions
coordinated by the Federation of Community Development Credit Unions in
New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high school students that adapts financial curricula and exercises to
ensure that the content is relevant and engaging to low-income urban
youth. YTEP youth deliver financial workshops to their peers, mostly
through community program settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel â”¬Ã¡415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÎ“Ã‡Ã–s Bank in Denver Colorado (the only bank in
the world solely for children).â”¬Ã¡ Also see CFEDÎ“Ã‡Ã–s website for
information about childrenÎ“Ã‡Ã–s savings accounts pilot projects Î“Ã‡Ã´
Savings for Education, Entrepreunership and Development (SEED)
â”¬Ã¡
From:bounce-5311224-9341170@list.cornell.edu
[mailto:bounce-5311224-9341170@list.cornell.edu] On Behalf Of Werner,
Lisa
Sent: Tuesday, February 16, 2010 10:43 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs
â”¬Ã¡
Good morning,
Young America Saves may be a good resource:
http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')
â”¬Ã¡
Have a great day,
Lisa
Lisa Werner
Asst. Vice Presidentâ”¬Ã¡- Mortgage CRA Officer
WesBanco Bank, Inc.
1 Bank Plaza
Wheeling, WV 26003
Pho: 304-234-9221
Fax: 304-234-9481
â”¬Ã¡

________________________________

From:bounce-5292373-8741519@list.cornell.edu
[mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs
â”¬Ã¡
Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

> Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
> Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:
Good afternoon. My name is John Rooney and I'm a second-year student
at the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

â”¬Ã¡
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is prohibited. If you are not the intended recipient,
please contact the sender by reply e-mail and destroy all copies of the
original message.
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CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Community Impact Workshop - Industry Leaders Discuss this Core
NMTC Topic
From: Carrie Vanderford <carrie.vanderford@bakertilly.com>
Date: Wed, 17 Feb 2010 16:09:58 -0600
X-Message-Number: 5

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Join us for a NMTC Community Impact Workshop
Date

Thursday, March 4, 2010

Time

8:00am - 1:00pm

Place

Four Points by
Sheraton<http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237> ('http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237>')
1201 K. Street N.W., Washington D.C.

Cost

$125 per person
$100 per person for groups of 3 or more

Increase your 2010 NMTC application's chances of receiving an
allocation. The community impact section is a primary key to unlocking
the door to success in achieving an allocation.

We're bringing together top specialists in NMTC impact analysis to
address one of your biggest NMTC concerns - "How do I successfully
complete the Community Impact section of the NMTC application?" This
information-packed workshop will prepare you to tackle the areas
critical to the application: impact measurement, future benchmarking,
and community accountability. You'll have opportunities to hear from
award-winning CDEs and experts in the field of community impact to
access tools and learn new techniques to approach the NMTC application.

For more information, please visit our
website<http://www.bakertilly.com/NMTC_Workshop>. ('http://www.bakertilly.com/NMTC_Workshop>.')

Workshop agenda:
7:30am - 8:00am

Continental Breakfast & Networking

8:00am - 8:45am

What is Impact and Accountability?
Linda Davenport - NMTC Coalition/CDFI Coalition
Elaine Martin - Enterprise Social Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Lin VanHofwegen - Dakotas America, LLC

8:45am - 9:30am

Prior Performance and Future Projections (a/k/a - IMPLAN is not
enough)
Sean Zielenbach - Woodstock Institute
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

9:30am - 10:15am

Specific Community Impact Examples and Measurements
Lin VanHofwegen - Dakotas America, LLC
Clearinghouse CDFI (Invited)
Frank Altman - Community Reinvestment Fund

10:15am - 10:30am

Break - refreshments provided

10:30am - 11:30am

Specific Community Impact Examples and Measurements Cont'd
Tabitha Atkins - National Trust Community Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Mike Ross - The Valued Advisor Fund
Terri Preston - Baker Tilly Virchow Krause, LLP
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

11:30am - 12:15pm

Partnerships with LIC Stakeholders
John Stibal - First-Ring Redevelopment Enterprise
Robert Poznanski - LISC New Markets Support Company
Terri Preston - Baker Tilly Virchow Krause, LLP

12:15pm - 1:00pm

Catalyzing Investment into LICs
Elaine Martin - Enterprise Social Investment Corp.
Lin VanHofwegen - Dakotas America, LLC

1:00pm

Networking Lunch and Extended Discussion

Register today-space is limited!<http://www.bakertilly.com/Events> ('http://www.bakertilly.com/Events>')

________________________________

Any questions? Connect with us:
[']http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg] ('http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg)

Terri Preston
608 240 2546
terri.preston@bakertilly.com<mailto:terri.preston@bakertilly.com>

[']http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/9b3e0836-2.jpg] ('http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/9b3e0836-2.jpg)

Carrie Vanderford
608 240 2442
carrie.vanderford@bakertilly.com<mailto:carrie.vanderford@bakertilly.com>

The Baker Tilly Virchow Krause, LLP difference
CDEs nationwide rely on Baker Tilly Virchow Krause, LLP to evaluate and
project the community impact of projects funded with NMTC-facilitated
financing. Baker Tilly has developed two comprehensive NMTC impact
analyses products.

* Pre-development impact analysis: the community impact of a
proposed project is assessed before the project is placed in service.
CDEs have used these studies to project future impact from their
participation in a project and shape the terms of transaction to create
the most value for the community.
* Post-development impact analysis: used by CDEs to evaluate actual
community impact associated with a project after the project is placed
in service. CDEs have used the results of these studies to report the
impact of their past NMTC projects in the allocation application.

Pursuant to the rules of professional conduct set forth in Circular
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________________________________
Pursuant to the rules of professional conduct set forth in Circular
230, as promulgated by the United States Department of the Treasury,
nothing contained in this communication was intended or written to be
used by any taxpayer for the purpose of avoiding penalties that may be
imposed on the taxpayer by the Internal Revenue Service, and it cannot
be used by any taxpayer for such purpose. No one, without our express
prior written permission, may use or refer to any tax advice in this
communication in promoting, marketing, or recommending a partnership or
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Baker Tilly Virchow Krause, LLP Confidentiality Notice:

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----------------------------------------------------------------------

Subject: Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes
Towards Automatic Savings and Current Options Offered by America's Banks
-- First Ever Collaboration with Financial Services Roundtable
From: roger colton <rcolton101@aol.com>
Date: Wed, 17 Feb 2010 17:50:35 -0500
X-Message-Number: 6

HI all--

I was talking to a friend about the "student savings" messages that
have been flying the past few days. She sent me the following.

At the risk of sounding like Amazon.com, I thought if you were
interested in the student savings messages, you might be interested in
this as well.

roger

"It's nice for the poor to make ends meet. It's even nicer to make them
overlap a bit."

-----------------------------------
Roger D. Colton
Fisher, Sheehan & Colton
Public Finance and General Economics
34 Warwick Road, Belmont, MA 02478
(e-mail 1) roger@fsconline.com *** (e-mail 2) rcolton.fsc@comcast.net
(web 1) www.fsconline.com
(web 2) www.HomeEnergyAffordabilityGap.com

"Committed to the power of concentrated expertise widely shared."

From: Jack Gillis [mailto:jack@jagillis.com]
Sent: Tuesday, February 16, 2010 4:10 PM
Subject: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable

For Immediate Release
Contact:
February 16, 2010
Jack Gillis, CFA, 202-737-0766

Elise Brooks, FSR, 202-589-2427

CFA TO RELEASE SURVEYS ON CONSUMER ATTITUDES TOWARDS AUTOMATIC SAVINGS
AND CURRENT OPTIONS OFFERED BY AMERICAÎ“Ã‡Ã–S BANKS

CFA and Financial Services Roundtable Announce First Ever Partnership
to Promote Automatic Saving by Consumers

Washington, D.C. - At a press conference at 10:00 a.m. EST on Thursday,
February 18, 2010, the Consumer Federation of America (CFA) and the
Financial Services Roundtable (FSR) will release the results of a new
consumer survey on attitudes towards automatic saving and a survey of
the automatic options offered by many of the nationsÎ“Ã‡Ã– largest banks.
In addition, a new analysis of Federal Reserve data on low- and
moderate-income households with savings accounts will be released
showing who is and who is not currently saving. At the press
conference, CFA and FSR will announce a national campaign to increase
the rate of automatic savings and improve accessibility and benefits of
automatic savings accounts offered by banks.

Released at the press conference:
â”¬â•– New survey data on consumer attitudes towards automatic
saving
â”¬â•– Results of bank survey of automatic savings options
currently being offered
â”¬â•– New Federal Reserve Board data on low- and moderate-income
households with savings accounts
â”¬â•– Joint CFA/FSR recommendations on Best Automatic Savings
practices by banks including programs to help low- and moderate-income
families especially, to save.
â”¬â•– Details of a Î“Ã‡Ã¿first-everÎ“Ã‡Ã– partnership between the
Financial Services Roundtable and Consumer Federation of America to
promote use of automatic saving by banks and the goals of the program

EVENT: Press Conference: Latest Data on Consumer Attitudes
Towards Automatic Savings, Survey of Bank Offerings, and announcement of
a unique partnership between CFA and the Financial Services Roundtable.

DATE: 10:00 a.m. EST, Thursday, February 18, 2010

LOCATION: Zenger Room on the 13th floor, National Press Building, 529
14th Street, NW, Washington, DC.

SPEAKERS: Steve Bartlett, President & CEO of the Financial Services
Roundtable
Stephen Brobeck, Executive Director of the Consumer Federation of
America
Stephen Potter, President of Northern Trust Global Investments
Ronald P. OÎ“Ã‡Ã–Hanley, President & CEO of BNY Mellon Asset Management
Dallas Salisbury, President & CEO of Employee
Benefits Research Institute

NO INFORMATION WILL BE RELEASED BEFORE THE PRESS CONFERENCE

Consumer Federation of America is a non-profit association of over 280
consumer groups that was founded in 1968 to advance the consumerÎ“Ã‡Ã–s
interest through advocacy, research, and education.

The Financial Services Roundtable represents 100 of the largest
integrated financial services companies providing banking, insurance,
and investment products and services to the American consumer.

----------------------------------------------------------------------

Subject: tax rates plummet at top as incomes soar
From: David Cay Johnston <davidcay@me.com>
Date: Wed, 17 Feb 2010 17:30:02 -0500
X-Message-Number: 7

Just posted minutes ago at tax.com, part of nonprofit Tax Analysts's
Tax Notes magazine (which carries no advertising)

http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument ('http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument')

---

END OF DIGEST

Community Development Banking List

02-18-2010, 11:08 AM

Original message from: klytle@wescorp.org

A similar program existed in my hometown of Minneapolis, MN. The program was sponsored by Farmers and Mechanics Bank. If I remember correctly, I deposited less than $1 per week. I remember it being a thrill to see the account balance grow during the course of the school year.

-----Original Message-----
From: bounce-5323923-10128931@list.cornell.edu [mailto:bounce-5323923-10128931@list.cornell.edu] On Behalf Of Joy Willig
Sent: Thursday, February 18, 2010 7:12 AM
To: communitydevelopmentbanking-l digest recipients
Subject: Re: communitydevelopmentbanking-l digest: February 17, 2010

does anyone remember a school saving program in NYC in the 60s where
every kid got a "passbook savings account" and made regular deposits
through school?

>> "For more information digest"
<communitydevelopmentbanking-l@list.cornell.edu> 2/18/2010 1:05 AM
>>
COMMUNITYDEVELOPMENTBANKING-L Digest for Wednesday, February 17, 2010.

1. RE: Student Savings Programs
2. RE: Student Savings Programs
3. Re: Student Savings Programs
4. Re: Student Savings Programs
5. Community Impact Workshop - Industry Leaders Discuss this Core NMTC
Topic
6. Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable
7. tax rates plummet at top as incomes soar

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: William Myers <Bill@RunontheBank.net>
Date: Wed, 17 Feb 2010 08:25:36 -0500
X-Message-Number: 1

From: "Brock Seraphin" <Bseraphin@doloreshuerta.org>
John,
Check out the making cents program. I believe they have a number of
curriculums for various ages. The FDIC Money Smart program also has
training catering to youth.
http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')
Brock Seraphin
Micro-Lending Program Coordinator
Dolores Huerta Foundation
PO Box 9189, Bakersfield, CA 93389
(661) 322-3033
FAX: (661) 322-3334

John" <John.Rooney@yale.edu>
John,
At the Latino Community Credit Union, we offer savings and checking
accounts for youth ages 13 to 18. We also have savings accounts for
children.
Here is some info about the
accounts http://www.latinoccu.org/en/products/accounts/youth ('http://www.latinoccu.org/en/products/accounts/youth') as
well as info about an essay and photo contest we did with youth to
educate them about the culture of
savings http://www.latinoccu.org/en/contest ('http://www.latinoccu.org/en/contest')
Alejandro

From: "Nora Smith" <noras@niagaracountyfcu.org>
Check this out, http://www.moonjar.com ('http://www.moonjar.com')
Our NYSCUF uses this jar and materials as a tool while promoting
Financial Literacy.
Nora E. Smith
Operations Manager
NCFCU
716-434-4180, ext. 305
noras@niagaracountyfcu.org

From: "Barbara Gorzinski" <barbarag@associatedministries.org>
Not specifically about savings but Washington has a statewide
Financial Education Public Private Partnership that has been working
for several years on getting financial literacy content into school
curriculums and training teachers to deliver financial literacy
topics in the classroom. The website that details the work of this
group is www.feppp.org .
Barbara Gorzinski, Program Manager
Pierce County Asset Building Coalition
"Actively engaging Pierce County residents in building prosperity"
Associated Ministries
1224 S. I St, Tacoma, WA 98405
(253)383-3056 x118
(253)383-2672 (fax)
www.piercecountyabc.org
barbarag@associatedministries.org

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: Karen Harris <karenharris@povertylaw.org>
Date: Wed, 17 Feb 2010 08:25:08 -0600
X-Message-Number: 2

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* bounce-5311224-9341170@list.cornell.edu [mailto:
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* bounce-5292373-8741519@list.cornell.edu [mailto:
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

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----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Margaret Libby <mklibby@gmail.com>
Date: Wed, 17 Feb 2010 10:49:37 -0800
X-Message-Number: 3

Mission SF in San Francisco supports a credit union owned and operated
by
youth. The Youth Credit Union Program offers short and long term
savings
accounts for children and youth under age 18, and a new prize-linked
savings
program. There is a national network of similar youth-run programs
supported
by community development credit unions coordinated by the Federation
of
Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high
school students that adapts financial curricula and exercises to ensure
that
the content is relevant and engaging to low-income urban youth. YTEP
youth
deliver financial workshops to their peers, mostly through community
program
settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel 415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* <bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu
[mailto:<bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

<http://www.americasaves.org/youth/>http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/>http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* <bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu
[mailto:<bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out <http://www.threejars.com>www.threejars.com ('http://www.threejars.com>www.threejars.com') (formerly
"FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: <http://dream-village.org>dream-village.org ('http://dream-village.org>dream-village.org') | Grownups:
<http://dream-village.org/grownups>dream-village.org/grownups ('http://dream-village.org/grownups>dream-village.org/grownups')

Video demo of Dream Village: <http://bit.ly/welcometodv> ('http://bit.ly/welcometodv>')
http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
<http://bit.ly/savedbythewellpreview> ('http://bit.ly/savedbythewellpreview>')
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <
<John.Rooney@yale.edu>
John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

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http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Rochelle Watson <rochellejewelwatson@yahoo.com>
Date: Wed, 17 Feb 2010 11:14:43 -0800 (PST)
X-Message-Number: 4

Hi John:
â”¬Ã¡
You should take a look at CFEDÎ“Ã‡Ã–s website
http://cfed.org/programs/abc/ ('http://cfed.org/programs/abc/') for information on our childrenÎ“Ã‡Ã–s
savings demonstration called the SEED Initiative. SEED was a 10-year
research, policy and practice initiative designed to test and implement
incentivized matched savings accounts and financial education for more
than 1300 children and youth across the country.â”¬Ã¡ Most of the children
saved for post-secondary education. We have experience structuring
savings account products and financial education for children, and IÎ“Ã‡Ã–d
be happy to speak with you directly and share more information.â”¬Ã¡ Give
me a call when you have a chance.
â”¬Ã¡
Best,
Rochelle
â”¬Ã¡
Rochelle Watson
Senior Program Manager
CFED Î“Ã‡Ã´Celebrating 30 Years of Expanding Economic Opportunity
626.698.4736
626.698.0621(fax)
rwatson@cfed.org
www.cfed.org
â”¬Ã¡
Follow CFED News on Twitter and Facebook!
â”¬Ã¡
Pâ”¬Ã¡Please consider the environment before printing this e-mail

________________________________
From: Margaret Libby <mklibby@gmail.com>
To: Karen Harris <karenharris@povertylaw.org>
Cc: "Werner, Lisa" <werner@wesbanco.com>;
"communitydevelopmentbanking-l@cornell.edu"
<communitydevelopmentbanking-l@cornell.edu>
Sent: Wed, February 17, 2010 10:49:37 AM
Subject: Re: Student Savings Programs

Mission SF in San Francisco supports a credit union owned and operated
by youth. The Youth Credit Union Program offers short and long term
savings accounts for children and youth under age 18, and a new
prize-linked savings program. There is a national network of similar
youth-run programs supported by community development credit unions
coordinated by the Federation of Community Development Credit Unions in
New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high school students that adapts financial curricula and exercises to
ensure that the content is relevant and engaging to low-income urban
youth. YTEP youth deliver financial workshops to their peers, mostly
through community program settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel â”¬Ã¡415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÎ“Ã‡Ã–s Bank in Denver Colorado (the only bank in
the world solely for children).â”¬Ã¡ Also see CFEDÎ“Ã‡Ã–s website for
information about childrenÎ“Ã‡Ã–s savings accounts pilot projects Î“Ã‡Ã´
Savings for Education, Entrepreunership and Development (SEED)
â”¬Ã¡
From:bounce-5311224-9341170@list.cornell.edu
[mailto:bounce-5311224-9341170@list.cornell.edu] On Behalf Of Werner,
Lisa
Sent: Tuesday, February 16, 2010 10:43 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs
â”¬Ã¡
Good morning,
Young America Saves may be a good resource:
http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')
â”¬Ã¡
Have a great day,
Lisa
Lisa Werner
Asst. Vice Presidentâ”¬Ã¡- Mortgage CRA Officer
WesBanco Bank, Inc.
1 Bank Plaza
Wheeling, WV 26003
Pho: 304-234-9221
Fax: 304-234-9481
â”¬Ã¡

________________________________

From:bounce-5292373-8741519@list.cornell.edu
[mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs
â”¬Ã¡
Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

> Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
> Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:
Good afternoon. My name is John Rooney and I'm a second-year student
at the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

â”¬Ã¡
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is prohibited. If you are not the intended recipient,
please contact the sender by reply e-mail and destroy all copies of the
original message.
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Community Impact Workshop - Industry Leaders Discuss this Core
NMTC Topic
From: Carrie Vanderford <carrie.vanderford@bakertilly.com>
Date: Wed, 17 Feb 2010 16:09:58 -0600
X-Message-Number: 5

To view this email as a web page, go
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Join us for a NMTC Community Impact Workshop
Date

Thursday, March 4, 2010

Time

8:00am - 1:00pm

Place

Four Points by
Sheraton<http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237> ('http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237>')
1201 K. Street N.W., Washington D.C.

Cost

$125 per person
$100 per person for groups of 3 or more

Increase your 2010 NMTC application's chances of receiving an
allocation. The community impact section is a primary key to unlocking
the door to success in achieving an allocation.

We're bringing together top specialists in NMTC impact analysis to
address one of your biggest NMTC concerns - "How do I successfully
complete the Community Impact section of the NMTC application?" This
information-packed workshop will prepare you to tackle the areas
critical to the application: impact measurement, future benchmarking,
and community accountability. You'll have opportunities to hear from
award-winning CDEs and experts in the field of community impact to
access tools and learn new techniques to approach the NMTC application.

For more information, please visit our
website<http://www.bakertilly.com/NMTC_Workshop>. ('http://www.bakertilly.com/NMTC_Workshop>.')

Workshop agenda:
7:30am - 8:00am

Continental Breakfast & Networking

8:00am - 8:45am

What is Impact and Accountability?
Linda Davenport - NMTC Coalition/CDFI Coalition
Elaine Martin - Enterprise Social Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Lin VanHofwegen - Dakotas America, LLC

8:45am - 9:30am

Prior Performance and Future Projections (a/k/a - IMPLAN is not
enough)
Sean Zielenbach - Woodstock Institute
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

9:30am - 10:15am

Specific Community Impact Examples and Measurements
Lin VanHofwegen - Dakotas America, LLC
Clearinghouse CDFI (Invited)
Frank Altman - Community Reinvestment Fund

10:15am - 10:30am

Break - refreshments provided

10:30am - 11:30am

Specific Community Impact Examples and Measurements Cont'd
Tabitha Atkins - National Trust Community Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Mike Ross - The Valued Advisor Fund
Terri Preston - Baker Tilly Virchow Krause, LLP
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

11:30am - 12:15pm

Partnerships with LIC Stakeholders
John Stibal - First-Ring Redevelopment Enterprise
Robert Poznanski - LISC New Markets Support Company
Terri Preston - Baker Tilly Virchow Krause, LLP

12:15pm - 1:00pm

Catalyzing Investment into LICs
Elaine Martin - Enterprise Social Investment Corp.
Lin VanHofwegen - Dakotas America, LLC

1:00pm

Networking Lunch and Extended Discussion

Register today-space is limited!<http://www.bakertilly.com/Events> ('http://www.bakertilly.com/Events>')

________________________________

Any questions? Connect with us:
[']http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg] ('http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg)

Terri Preston
608 240 2546
terri.preston@bakertilly.com<mailto:terri.preston@bakertilly.com>

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Carrie Vanderford
608 240 2442
carrie.vanderford@bakertilly.com<mailto:carrie.vanderford@bakertilly.com>

The Baker Tilly Virchow Krause, LLP difference
CDEs nationwide rely on Baker Tilly Virchow Krause, LLP to evaluate and
project the community impact of projects funded with NMTC-facilitated
financing. Baker Tilly has developed two comprehensive NMTC impact
analyses products.

* Pre-development impact analysis: the community impact of a
proposed project is assessed before the project is placed in service.
CDEs have used these studies to project future impact from their
participation in a project and shape the terms of transaction to create
the most value for the community.
* Post-development impact analysis: used by CDEs to evaluate actual
community impact associated with a project after the project is placed
in service. CDEs have used the results of these studies to report the
impact of their past NMTC projects in the allocation application.

Pursuant to the rules of professional conduct set forth in Circular
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________________________________
Pursuant to the rules of professional conduct set forth in Circular
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addressee, you are not authorized to read, print, retain, copy or
disseminate this message or any part of it. If you have received this
message in error, please notify the sender immediately by email and
delete all copies of this message. This message is protected by
applicable legal privileges and is confidential.

----------------------------------------------------------------------

Subject: Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes
Towards Automatic Savings and Current Options Offered by America's Banks
-- First Ever Collaboration with Financial Services Roundtable
From: roger colton <rcolton101@aol.com>
Date: Wed, 17 Feb 2010 17:50:35 -0500
X-Message-Number: 6

HI all--

I was talking to a friend about the "student savings" messages that
have been flying the past few days. She sent me the following.

At the risk of sounding like Amazon.com, I thought if you were
interested in the student savings messages, you might be interested in
this as well.

roger

"It's nice for the poor to make ends meet. It's even nicer to make them
overlap a bit."

-----------------------------------
Roger D. Colton
Fisher, Sheehan & Colton
Public Finance and General Economics
34 Warwick Road, Belmont, MA 02478
(e-mail 1) roger@fsconline.com *** (e-mail 2) rcolton.fsc@comcast.net
(web 1) www.fsconline.com
(web 2) www.HomeEnergyAffordabilityGap.com

"Committed to the power of concentrated expertise widely shared."

From: Jack Gillis [mailto:jack@jagillis.com]
Sent: Tuesday, February 16, 2010 4:10 PM
Subject: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable

For Immediate Release
Contact:
February 16, 2010
Jack Gillis, CFA, 202-737-0766

Elise Brooks, FSR, 202-589-2427

CFA TO RELEASE SURVEYS ON CONSUMER ATTITUDES TOWARDS AUTOMATIC SAVINGS
AND CURRENT OPTIONS OFFERED BY AMERICAÎ“Ã‡Ã–S BANKS

CFA and Financial Services Roundtable Announce First Ever Partnership
to Promote Automatic Saving by Consumers

Washington, D.C. - At a press conference at 10:00 a.m. EST on Thursday,
February 18, 2010, the Consumer Federation of America (CFA) and the
Financial Services Roundtable (FSR) will release the results of a new
consumer survey on attitudes towards automatic saving and a survey of
the automatic options offered by many of the nationsÎ“Ã‡Ã– largest banks.
In addition, a new analysis of Federal Reserve data on low- and
moderate-income households with savings accounts will be released
showing who is and who is not currently saving. At the press
conference, CFA and FSR will announce a national campaign to increase
the rate of automatic savings and improve accessibility and benefits of
automatic savings accounts offered by banks.

Released at the press conference:
â”¬â•– New survey data on consumer attitudes towards automatic
saving
â”¬â•– Results of bank survey of automatic savings options
currently being offered
â”¬â•– New Federal Reserve Board data on low- and moderate-income
households with savings accounts
â”¬â•– Joint CFA/FSR recommendations on Best Automatic Savings
practices by banks including programs to help low- and moderate-income
families especially, to save.
â”¬â•– Details of a Î“Ã‡Ã¿first-everÎ“Ã‡Ã– partnership between the
Financial Services Roundtable and Consumer Federation of America to
promote use of automatic saving by banks and the goals of the program

EVENT: Press Conference: Latest Data on Consumer Attitudes
Towards Automatic Savings, Survey of Bank Offerings, and announcement of
a unique partnership between CFA and the Financial Services Roundtable.

DATE: 10:00 a.m. EST, Thursday, February 18, 2010

LOCATION: Zenger Room on the 13th floor, National Press Building, 529
14th Street, NW, Washington, DC.

SPEAKERS: Steve Bartlett, President & CEO of the Financial Services
Roundtable
Stephen Brobeck, Executive Director of the Consumer Federation of
America
Stephen Potter, President of Northern Trust Global Investments
Ronald P. OÎ“Ã‡Ã–Hanley, President & CEO of BNY Mellon Asset Management
Dallas Salisbury, President & CEO of Employee
Benefits Research Institute

NO INFORMATION WILL BE RELEASED BEFORE THE PRESS CONFERENCE

Consumer Federation of America is a non-profit association of over 280
consumer groups that was founded in 1968 to advance the consumerÎ“Ã‡Ã–s
interest through advocacy, research, and education.

The Financial Services Roundtable represents 100 of the largest
integrated financial services companies providing banking, insurance,
and investment products and services to the American consumer.

----------------------------------------------------------------------

Subject: tax rates plummet at top as incomes soar
From: David Cay Johnston <davidcay@me.com>
Date: Wed, 17 Feb 2010 17:30:02 -0500
X-Message-Number: 7

Just posted minutes ago at tax.com, part of nonprofit Tax Analysts's
Tax Notes magazine (which carries no advertising)

http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument ('http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument')

---

END OF DIGEST

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please notify the sender immediately by return e-mail, delete this
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Community Development Banking List

02-18-2010, 11:08 AM

Original message from: SKlenk@wsecu.org

I'm not from NYC, but I had one in Kentucky and here in Washington while in primary school. My son also had a passbook savings while in primary school. He is now 13. Tuesday, as School Saving Day. The account was held at Washington Mutual (now Chase). The program begins in Kindergarten and ends after 6th grade.

Suzanne Klenk, CUDE
Community Relations
WSECU
P.O. Box WSECU, Olympia, WA 98507
sklenk@wsecu.org
wsecu.org
Work: 800-562-0999, ext: 10027
Cell: 360-280-8685
Fax: 360-704-6831
-----Original Message-----
From: bounce-5323923-9861357@list.cornell.edu [mailto:bounce-5323923-9861357@list.cornell.edu] On Behalf Of Joy Willig
Sent: Thursday, February 18, 2010 7:12 AM
To: communitydevelopmentbanking-l digest recipients
Subject: Re: communitydevelopmentbanking-l digest: February 17, 2010

does anyone remember a school saving program in NYC in the 60s where
every kid got a "passbook savings account" and made regular deposits
through school?

>> "For more information digest"
<communitydevelopmentbanking-l@list.cornell.edu> 2/18/2010 1:05 AM
>>
COMMUNITYDEVELOPMENTBANKING-L Digest for Wednesday, February 17, 2010.

1. RE: Student Savings Programs
2. RE: Student Savings Programs
3. Re: Student Savings Programs
4. Re: Student Savings Programs
5. Community Impact Workshop - Industry Leaders Discuss this Core NMTC
Topic
6. Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable
7. tax rates plummet at top as incomes soar

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: William Myers <Bill@RunontheBank.net>
Date: Wed, 17 Feb 2010 08:25:36 -0500
X-Message-Number: 1

From: "Brock Seraphin" <Bseraphin@doloreshuerta.org>
John,
Check out the making cents program. I believe they have a number of
curriculums for various ages. The FDIC Money Smart program also has
training catering to youth.
http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')
Brock Seraphin
Micro-Lending Program Coordinator
Dolores Huerta Foundation
PO Box 9189, Bakersfield, CA 93389
(661) 322-3033
FAX: (661) 322-3334

John" <John.Rooney@yale.edu>
John,
At the Latino Community Credit Union, we offer savings and checking
accounts for youth ages 13 to 18. We also have savings accounts for
children.
Here is some info about the
accounts http://www.latinoccu.org/en/products/accounts/youth ('http://www.latinoccu.org/en/products/accounts/youth') as
well as info about an essay and photo contest we did with youth to
educate them about the culture of
savings http://www.latinoccu.org/en/contest ('http://www.latinoccu.org/en/contest')
Alejandro

From: "Nora Smith" <noras@niagaracountyfcu.org>
Check this out, http://www.moonjar.com ('http://www.moonjar.com')
Our NYSCUF uses this jar and materials as a tool while promoting
Financial Literacy.
Nora E. Smith
Operations Manager
NCFCU
716-434-4180, ext. 305
noras@niagaracountyfcu.org

From: "Barbara Gorzinski" <barbarag@associatedministries.org>
Not specifically about savings but Washington has a statewide
Financial Education Public Private Partnership that has been working
for several years on getting financial literacy content into school
curriculums and training teachers to deliver financial literacy
topics in the classroom. The website that details the work of this
group is www.feppp.org .
Barbara Gorzinski, Program Manager
Pierce County Asset Building Coalition
"Actively engaging Pierce County residents in building prosperity"
Associated Ministries
1224 S. I St, Tacoma, WA 98405
(253)383-3056 x118
(253)383-2672 (fax)
www.piercecountyabc.org
barbarag@associatedministries.org

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: Karen Harris <karenharris@povertylaw.org>
Date: Wed, 17 Feb 2010 08:25:08 -0600
X-Message-Number: 2

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* bounce-5311224-9341170@list.cornell.edu [mailto:
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* bounce-5292373-8741519@list.cornell.edu [mailto:
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Margaret Libby <mklibby@gmail.com>
Date: Wed, 17 Feb 2010 10:49:37 -0800
X-Message-Number: 3

Mission SF in San Francisco supports a credit union owned and operated
by
youth. The Youth Credit Union Program offers short and long term
savings
accounts for children and youth under age 18, and a new prize-linked
savings
program. There is a national network of similar youth-run programs
supported
by community development credit unions coordinated by the Federation
of
Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high
school students that adapts financial curricula and exercises to ensure
that
the content is relevant and engaging to low-income urban youth. YTEP
youth
deliver financial workshops to their peers, mostly through community
program
settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel 415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* <bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu
[mailto:<bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

<http://www.americasaves.org/youth/>http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/>http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* <bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu
[mailto:<bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out <http://www.threejars.com>www.threejars.com ('http://www.threejars.com>www.threejars.com') (formerly
"FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: <http://dream-village.org>dream-village.org ('http://dream-village.org>dream-village.org') | Grownups:
<http://dream-village.org/grownups>dream-village.org/grownups ('http://dream-village.org/grownups>dream-village.org/grownups')

Video demo of Dream Village: <http://bit.ly/welcometodv> ('http://bit.ly/welcometodv>')
http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
<http://bit.ly/savedbythewellpreview> ('http://bit.ly/savedbythewellpreview>')
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <
<John.Rooney@yale.edu>
John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the
intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is
prohibited. If you are not the intended recipient, please contact the
sender
by reply e-mail and destroy all copies of the original message.

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Rochelle Watson <rochellejewelwatson@yahoo.com>
Date: Wed, 17 Feb 2010 11:14:43 -0800 (PST)
X-Message-Number: 4

Hi John:
â”¬Ã¡
You should take a look at CFEDÎ“Ã‡Ã–s website
http://cfed.org/programs/abc/ ('http://cfed.org/programs/abc/') for information on our childrenÎ“Ã‡Ã–s
savings demonstration called the SEED Initiative. SEED was a 10-year
research, policy and practice initiative designed to test and implement
incentivized matched savings accounts and financial education for more
than 1300 children and youth across the country.â”¬Ã¡ Most of the children
saved for post-secondary education. We have experience structuring
savings account products and financial education for children, and IÎ“Ã‡Ã–d
be happy to speak with you directly and share more information.â”¬Ã¡ Give
me a call when you have a chance.
â”¬Ã¡
Best,
Rochelle
â”¬Ã¡
Rochelle Watson
Senior Program Manager
CFED Î“Ã‡Ã´Celebrating 30 Years of Expanding Economic Opportunity
626.698.4736
626.698.0621(fax)
rwatson@cfed.org
www.cfed.org
â”¬Ã¡
Follow CFED News on Twitter and Facebook!
â”¬Ã¡
Pâ”¬Ã¡Please consider the environment before printing this e-mail

________________________________
From: Margaret Libby <mklibby@gmail.com>
To: Karen Harris <karenharris@povertylaw.org>
Cc: "Werner, Lisa" <werner@wesbanco.com>;
"communitydevelopmentbanking-l@cornell.edu"
<communitydevelopmentbanking-l@cornell.edu>
Sent: Wed, February 17, 2010 10:49:37 AM
Subject: Re: Student Savings Programs

Mission SF in San Francisco supports a credit union owned and operated
by youth. The Youth Credit Union Program offers short and long term
savings accounts for children and youth under age 18, and a new
prize-linked savings program. There is a national network of similar
youth-run programs supported by community development credit unions
coordinated by the Federation of Community Development Credit Unions in
New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high school students that adapts financial curricula and exercises to
ensure that the content is relevant and engaging to low-income urban
youth. YTEP youth deliver financial workshops to their peers, mostly
through community program settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel â”¬Ã¡415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÎ“Ã‡Ã–s Bank in Denver Colorado (the only bank in
the world solely for children).â”¬Ã¡ Also see CFEDÎ“Ã‡Ã–s website for
information about childrenÎ“Ã‡Ã–s savings accounts pilot projects Î“Ã‡Ã´
Savings for Education, Entrepreunership and Development (SEED)
â”¬Ã¡
From:bounce-5311224-9341170@list.cornell.edu
[mailto:bounce-5311224-9341170@list.cornell.edu] On Behalf Of Werner,
Lisa
Sent: Tuesday, February 16, 2010 10:43 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs
â”¬Ã¡
Good morning,
Young America Saves may be a good resource:
http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')
â”¬Ã¡
Have a great day,
Lisa
Lisa Werner
Asst. Vice Presidentâ”¬Ã¡- Mortgage CRA Officer
WesBanco Bank, Inc.
1 Bank Plaza
Wheeling, WV 26003
Pho: 304-234-9221
Fax: 304-234-9481
â”¬Ã¡

________________________________

From:bounce-5292373-8741519@list.cornell.edu
[mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs
â”¬Ã¡
Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

> Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
> Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:
Good afternoon. My name is John Rooney and I'm a second-year student
at the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

â”¬Ã¡
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is prohibited. If you are not the intended recipient,
please contact the sender by reply e-mail and destroy all copies of the
original message.
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Community Impact Workshop - Industry Leaders Discuss this Core
NMTC Topic
From: Carrie Vanderford <carrie.vanderford@bakertilly.com>
Date: Wed, 17 Feb 2010 16:09:58 -0600
X-Message-Number: 5

To view this email as a web page, go
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Join us for a NMTC Community Impact Workshop
Date

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Time

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Sheraton<http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237> ('http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237>')
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Increase your 2010 NMTC application's chances of receiving an
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the door to success in achieving an allocation.

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8:00am - 8:45am

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8:45am - 9:30am

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9:30am - 10:15am

Specific Community Impact Examples and Measurements
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10:15am - 10:30am

Break - refreshments provided

10:30am - 11:30am

Specific Community Impact Examples and Measurements Cont'd
Tabitha Atkins - National Trust Community Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Mike Ross - The Valued Advisor Fund
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11:30am - 12:15pm

Partnerships with LIC Stakeholders
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----------------------------------------------------------------------

Subject: Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes
Towards Automatic Savings and Current Options Offered by America's Banks
-- First Ever Collaboration with Financial Services Roundtable
From: roger colton <rcolton101@aol.com>
Date: Wed, 17 Feb 2010 17:50:35 -0500
X-Message-Number: 6

HI all--

I was talking to a friend about the "student savings" messages that
have been flying the past few days. She sent me the following.

At the risk of sounding like Amazon.com, I thought if you were
interested in the student savings messages, you might be interested in
this as well.

roger

"It's nice for the poor to make ends meet. It's even nicer to make them
overlap a bit."

-----------------------------------
Roger D. Colton
Fisher, Sheehan & Colton
Public Finance and General Economics
34 Warwick Road, Belmont, MA 02478
(e-mail 1) roger@fsconline.com *** (e-mail 2) rcolton.fsc@comcast.net
(web 1) www.fsconline.com
(web 2) www.HomeEnergyAffordabilityGap.com

"Committed to the power of concentrated expertise widely shared."

From: Jack Gillis [mailto:jack@jagillis.com]
Sent: Tuesday, February 16, 2010 4:10 PM
Subject: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable

For Immediate Release
Contact:
February 16, 2010
Jack Gillis, CFA, 202-737-0766

Elise Brooks, FSR, 202-589-2427

CFA TO RELEASE SURVEYS ON CONSUMER ATTITUDES TOWARDS AUTOMATIC SAVINGS
AND CURRENT OPTIONS OFFERED BY AMERICAÎ“Ã‡Ã–S BANKS

CFA and Financial Services Roundtable Announce First Ever Partnership
to Promote Automatic Saving by Consumers

Washington, D.C. - At a press conference at 10:00 a.m. EST on Thursday,
February 18, 2010, the Consumer Federation of America (CFA) and the
Financial Services Roundtable (FSR) will release the results of a new
consumer survey on attitudes towards automatic saving and a survey of
the automatic options offered by many of the nationsÎ“Ã‡Ã– largest banks.
In addition, a new analysis of Federal Reserve data on low- and
moderate-income households with savings accounts will be released
showing who is and who is not currently saving. At the press
conference, CFA and FSR will announce a national campaign to increase
the rate of automatic savings and improve accessibility and benefits of
automatic savings accounts offered by banks.

Released at the press conference:
â”¬â•– New survey data on consumer attitudes towards automatic
saving
â”¬â•– Results of bank survey of automatic savings options
currently being offered
â”¬â•– New Federal Reserve Board data on low- and moderate-income
households with savings accounts
â”¬â•– Joint CFA/FSR recommendations on Best Automatic Savings
practices by banks including programs to help low- and moderate-income
families especially, to save.
â”¬â•– Details of a Î“Ã‡Ã¿first-everÎ“Ã‡Ã– partnership between the
Financial Services Roundtable and Consumer Federation of America to
promote use of automatic saving by banks and the goals of the program

EVENT: Press Conference: Latest Data on Consumer Attitudes
Towards Automatic Savings, Survey of Bank Offerings, and announcement of
a unique partnership between CFA and the Financial Services Roundtable.

DATE: 10:00 a.m. EST, Thursday, February 18, 2010

LOCATION: Zenger Room on the 13th floor, National Press Building, 529
14th Street, NW, Washington, DC.

SPEAKERS: Steve Bartlett, President & CEO of the Financial Services
Roundtable
Stephen Brobeck, Executive Director of the Consumer Federation of
America
Stephen Potter, President of Northern Trust Global Investments
Ronald P. OÎ“Ã‡Ã–Hanley, President & CEO of BNY Mellon Asset Management
Dallas Salisbury, President & CEO of Employee
Benefits Research Institute

NO INFORMATION WILL BE RELEASED BEFORE THE PRESS CONFERENCE

Consumer Federation of America is a non-profit association of over 280
consumer groups that was founded in 1968 to advance the consumerÎ“Ã‡Ã–s
interest through advocacy, research, and education.

The Financial Services Roundtable represents 100 of the largest
integrated financial services companies providing banking, insurance,
and investment products and services to the American consumer.

----------------------------------------------------------------------

Subject: tax rates plummet at top as incomes soar
From: David Cay Johnston <davidcay@me.com>
Date: Wed, 17 Feb 2010 17:30:02 -0500
X-Message-Number: 7

Just posted minutes ago at tax.com, part of nonprofit Tax Analysts's
Tax Notes magazine (which carries no advertising)

http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument ('http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument')

---

END OF DIGEST

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Community Development Banking List

02-18-2010, 12:08 PM

Original message from: Ana.Cruz-Taura@atl.frb.org

Most banks do not use passbooks anymore. In addition, due to liability, banks cannot make themselves responsible for monies that are not in their possession (that is to say they cannot insure deposits that are at the school and not in bank premises). However, that does not mean that a school could not set a savings program up using today's technology.
-----------------
Sent from my BlackBerry Handheld.

----- Original Message -----
From: "Suzanne Klenk" [SKlenk@wsecu.org]
Sent: 02/18/2010 08:18 AM PST
To: "Joy Willig" <JWillig@nyhomes.org>; "communitydevelopmentbanking-l digest recipients" <communitydevelopmentbanking-l@list.cornell.edu>
Subject: RE: communitydevelopmentbanking-l digest: February 17, 2010

I'm not from NYC, but I had one in Kentucky and here in Washington while in primary school. My son also had a passbook savings while in primary school. He is now 13. Tuesday, as School Saving Day. The account was held at Washington Mutual (now Chase). The program begins in Kindergarten and ends after 6th grade.

Suzanne Klenk, CUDE
Community Relations
WSECU
P.O. Box WSECU, Olympia, WA 98507
sklenk@wsecu.org
wsecu.org
Work: 800-562-0999, ext: 10027
Cell: 360-280-8685
Fax: 360-704-6831
-----Original Message-----
From: bounce-5323923-9861357@list.cornell.edu [mailto:bounce-5323923-9861357@list.cornell.edu] On Behalf Of Joy Willig
Sent: Thursday, February 18, 2010 7:12 AM
To: communitydevelopmentbanking-l digest recipients
Subject: Re: communitydevelopmentbanking-l digest: February 17, 2010

does anyone remember a school saving program in NYC in the 60s where
every kid got a "passbook savings account" and made regular deposits
through school?

>> "For more information digest"
<communitydevelopmentbanking-l@list.cornell.edu> 2/18/2010 1:05 AM
>>
COMMUNITYDEVELOPMENTBANKING-L Digest for Wednesday, February 17, 2010.

1. RE: Student Savings Programs
2. RE: Student Savings Programs
3. Re: Student Savings Programs
4. Re: Student Savings Programs
5. Community Impact Workshop - Industry Leaders Discuss this Core NMTC
Topic
6. Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable
7. tax rates plummet at top as incomes soar

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: William Myers <Bill@RunontheBank.net>
Date: Wed, 17 Feb 2010 08:25:36 -0500
X-Message-Number: 1

From: "Brock Seraphin" <Bseraphin@doloreshuerta.org>
John,
Check out the making cents program. I believe they have a number of
curriculums for various ages. The FDIC Money Smart program also has
training catering to youth.
http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/ ('http://www.fdic.gov/CONSUMERS/CONSUMER/moneysmart/')
Brock Seraphin
Micro-Lending Program Coordinator
Dolores Huerta Foundation
PO Box 9189, Bakersfield, CA 93389
(661) 322-3033
FAX: (661) 322-3334

John" <John.Rooney@yale.edu>
John,
At the Latino Community Credit Union, we offer savings and checking
accounts for youth ages 13 to 18. We also have savings accounts for
children.
Here is some info about the
accounts http://www.latinoccu.org/en/products/accounts/youth ('http://www.latinoccu.org/en/products/accounts/youth') as
well as info about an essay and photo contest we did with youth to
educate them about the culture of
savings http://www.latinoccu.org/en/contest ('http://www.latinoccu.org/en/contest')
Alejandro

From: "Nora Smith" <noras@niagaracountyfcu.org>
Check this out, http://www.moonjar.com ('http://www.moonjar.com')
Our NYSCUF uses this jar and materials as a tool while promoting
Financial Literacy.
Nora E. Smith
Operations Manager
NCFCU
716-434-4180, ext. 305
noras@niagaracountyfcu.org

From: "Barbara Gorzinski" <barbarag@associatedministries.org>
Not specifically about savings but Washington has a statewide
Financial Education Public Private Partnership that has been working
for several years on getting financial literacy content into school
curriculums and training teachers to deliver financial literacy
topics in the classroom. The website that details the work of this
group is www.feppp.org .
Barbara Gorzinski, Program Manager
Pierce County Asset Building Coalition
"Actively engaging Pierce County residents in building prosperity"
Associated Ministries
1224 S. I St, Tacoma, WA 98405
(253)383-3056 x118
(253)383-2672 (fax)
www.piercecountyabc.org
barbarag@associatedministries.org

----------------------------------------------------------------------

Subject: RE: Student Savings Programs
From: Karen Harris <karenharris@povertylaw.org>
Date: Wed, 17 Feb 2010 08:25:08 -0600
X-Message-Number: 2

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* bounce-5311224-9341170@list.cornell.edu [mailto:
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* bounce-5292373-8741519@list.cornell.edu [mailto:
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

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----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Margaret Libby <mklibby@gmail.com>
Date: Wed, 17 Feb 2010 10:49:37 -0800
X-Message-Number: 3

Mission SF in San Francisco supports a credit union owned and operated
by
youth. The Youth Credit Union Program offers short and long term
savings
accounts for children and youth under age 18, and a new prize-linked
savings
program. There is a national network of similar youth-run programs
supported
by community development credit unions coordinated by the Federation
of
Community Development Credit Unions in New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high
school students that adapts financial curricula and exercises to ensure
that
the content is relevant and engaging to low-income urban youth. YTEP
youth
deliver financial workshops to their peers, mostly through community
program
settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel 415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÃ†s Bank in Denver Colorado (the only bank in
the
world solely for children). Also see CFEDÃ†s website for information
about
childrenÃ†s savings accounts pilot projects Ã» Savings for Education,
Entrepreunership and Development (SEED)

*From:* <bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu
[mailto:<bounce-5311224-9341170@list.cornell.edu>
bounce-5311224-9341170@list.cornell.edu] *On Behalf Of *Werner, Lisa
*Sent:* Tuesday, February 16, 2010 10:43 AM
*To:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* RE: Student Savings Programs

Good morning,

Young America Saves may be a good resource:

<http://www.americasaves.org/youth/>http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/>http://www.americasaves.org/youth/')

Have a great day,

Lisa

Lisa Werner

Asst. Vice President - Mortgage CRA Officer

WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, WV 26003

Pho: 304-234-9221

Fax: 304-234-9481

------------------------------

*From:* <bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu
[mailto:<bounce-5292373-8741519@list.cornell.edu>
bounce-5292373-8741519@list.cornell.edu] *On Behalf Of *Suneet Bhatt
(Social
Symmetry)
*Sent:* Monday, February 15, 2010 12:25 PM
*To:* Rooney, John
*Cc:* <communitydevelopmentbanking-l@cornell.edu>
communitydevelopmentbanking-l@cornell.edu
*Subject:* Re: Student Savings Programs

Check out <http://www.threejars.com>www.threejars.com ('http://www.threejars.com>www.threejars.com') (formerly
"FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: <http://dream-village.org>dream-village.org ('http://dream-village.org>dream-village.org') | Grownups:
<http://dream-village.org/grownups>dream-village.org/grownups ('http://dream-village.org/grownups>dream-village.org/grownups')

Video demo of Dream Village: <http://bit.ly/welcometodv> ('http://bit.ly/welcometodv>')
http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
Video preview of Saved by the Well:
<http://bit.ly/savedbythewellpreview> ('http://bit.ly/savedbythewellpreview>')
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <
<John.Rooney@yale.edu>
John.Rooney@yale.edu> wrote:

Good afternoon. My name is John Rooney and I'm a second-year student at
the
Yale School of Management doing research on student savings programs.
If
anybody has information on increasing K-12 financial literacy,
structuring
savings product for this age group, or knowledge of good programs that
exist
in this area, please let me know. Thanks in advance!

John

CDB list instructions <http://www.runonthebank.net/cdblist.htm> ('http://www.runonthebank.net/cdblist.htm>')
http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

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----------------------------------------------------------------------

Subject: Re: Student Savings Programs
From: Rochelle Watson <rochellejewelwatson@yahoo.com>
Date: Wed, 17 Feb 2010 11:14:43 -0800 (PST)
X-Message-Number: 4

Hi John:
â”¬Ã¡
You should take a look at CFEDÎ“Ã‡Ã–s website
http://cfed.org/programs/abc/ ('http://cfed.org/programs/abc/') for information on our childrenÎ“Ã‡Ã–s
savings demonstration called the SEED Initiative. SEED was a 10-year
research, policy and practice initiative designed to test and implement
incentivized matched savings accounts and financial education for more
than 1300 children and youth across the country.â”¬Ã¡ Most of the children
saved for post-secondary education. We have experience structuring
savings account products and financial education for children, and IÎ“Ã‡Ã–d
be happy to speak with you directly and share more information.â”¬Ã¡ Give
me a call when you have a chance.
â”¬Ã¡
Best,
Rochelle
â”¬Ã¡
Rochelle Watson
Senior Program Manager
CFED Î“Ã‡Ã´Celebrating 30 Years of Expanding Economic Opportunity
626.698.4736
626.698.0621(fax)
rwatson@cfed.org
www.cfed.org
â”¬Ã¡
Follow CFED News on Twitter and Facebook!
â”¬Ã¡
Pâ”¬Ã¡Please consider the environment before printing this e-mail

________________________________
From: Margaret Libby <mklibby@gmail.com>
To: Karen Harris <karenharris@povertylaw.org>
Cc: "Werner, Lisa" <werner@wesbanco.com>;
"communitydevelopmentbanking-l@cornell.edu"
<communitydevelopmentbanking-l@cornell.edu>
Sent: Wed, February 17, 2010 10:49:37 AM
Subject: Re: Student Savings Programs

Mission SF in San Francisco supports a credit union owned and operated
by youth. The Youth Credit Union Program offers short and long term
savings accounts for children and youth under age 18, and a new
prize-linked savings program. There is a national network of similar
youth-run programs supported by community development credit unions
coordinated by the Federation of Community Development Credit Unions in
New York.

Mission SF also supports Youth Trainers for Economic Power, a team of
high school students that adapts financial curricula and exercises to
ensure that the content is relevant and engaging to low-income urban
youth. YTEP youth deliver financial workshops to their peers, mostly
through community program settings. More information can be found at
http://www.mission.coop/ASP/aboutus.asp#c ('http://www.mission.coop/ASP/aboutus.asp#c')

Margaret
--
Margaret K. Libby
Executive Director, Mission SF Community Financial Center
Non-profit affiliate of Mission SF Federal Credit Union
tel â”¬Ã¡415-206-0846 x18
fax 415-255-7891

Sent from my iPhone

On Feb 17, 2010, at 6:25 AM, Karen Harris <karenharris@povertylaw.org>
wrote:

Check out Young AmericanÎ“Ã‡Ã–s Bank in Denver Colorado (the only bank in
the world solely for children).â”¬Ã¡ Also see CFEDÎ“Ã‡Ã–s website for
information about childrenÎ“Ã‡Ã–s savings accounts pilot projects Î“Ã‡Ã´
Savings for Education, Entrepreunership and Development (SEED)
â”¬Ã¡
From:bounce-5311224-9341170@list.cornell.edu
[mailto:bounce-5311224-9341170@list.cornell.edu] On Behalf Of Werner,
Lisa
Sent: Tuesday, February 16, 2010 10:43 AM
To: communitydevelopmentbanking-l@cornell.edu
Subject: RE: Student Savings Programs
â”¬Ã¡
Good morning,
Young America Saves may be a good resource:
http://www.americasaves.org/youth/ ('http://www.americasaves.org/youth/')
â”¬Ã¡
Have a great day,
Lisa
Lisa Werner
Asst. Vice Presidentâ”¬Ã¡- Mortgage CRA Officer
WesBanco Bank, Inc.
1 Bank Plaza
Wheeling, WV 26003
Pho: 304-234-9221
Fax: 304-234-9481
â”¬Ã¡

________________________________

From:bounce-5292373-8741519@list.cornell.edu
[mailto:bounce-5292373-8741519@list.cornell.edu] On Behalf Of Suneet
Bhatt (Social Symmetry)
Sent: Monday, February 15, 2010 12:25 PM
To: Rooney, John
Cc: communitydevelopmentbanking-l@cornell.edu
Subject: Re: Student Savings Programs
â”¬Ã¡
Check out www.threejars.com (formerly "FiftyP").

-------------------
Suneet Bhatt
Co-Founder | Dream Village
Kids: dream-village.org | Grownups: dream-village.org/grownups

> Video demo of Dream Village: http://bit.ly/welcometodv ('http://bit.ly/welcometodv')
> Video preview of Saved by the Well:
http://bit.ly/savedbythewellpreview ('http://bit.ly/savedbythewellpreview')

On Mon, Feb 15, 2010 at 12:07 PM, Rooney, John <John.Rooney@yale.edu>
wrote:
Good afternoon. My name is John Rooney and I'm a second-year student
at the Yale School of Management doing research on student savings
programs. If anybody has information on increasing K-12 financial
literacy, structuring savings product for this age group, or knowledge
of good programs that exist in this area, please let me know. Thanks in
advance!

John

â”¬Ã¡
CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')
DISCLAIMER:
This e-mail message, including any attachments, is for the sole use of
the intended recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, and disclosure or
distribution is prohibited. If you are not the intended recipient,
please contact the sender by reply e-mail and destroy all copies of the
original message.
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CDB list instructions http://www.runonthebank.net/cdblist.htm ('http://www.runonthebank.net/cdblist.htm')

----------------------------------------------------------------------

Subject: Community Impact Workshop - Industry Leaders Discuss this Core
NMTC Topic
From: Carrie Vanderford <carrie.vanderford@bakertilly.com>
Date: Wed, 17 Feb 2010 16:09:58 -0600
X-Message-Number: 5

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Join us for a NMTC Community Impact Workshop
Date

Thursday, March 4, 2010

Time

8:00am - 1:00pm

Place

Four Points by
Sheraton<http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237> ('http://www.starwoodhotels.com/fourpoints/property/overview/index.html?propertyID=1237>')
1201 K. Street N.W., Washington D.C.

Cost

$125 per person
$100 per person for groups of 3 or more

Increase your 2010 NMTC application's chances of receiving an
allocation. The community impact section is a primary key to unlocking
the door to success in achieving an allocation.

We're bringing together top specialists in NMTC impact analysis to
address one of your biggest NMTC concerns - "How do I successfully
complete the Community Impact section of the NMTC application?" This
information-packed workshop will prepare you to tackle the areas
critical to the application: impact measurement, future benchmarking,
and community accountability. You'll have opportunities to hear from
award-winning CDEs and experts in the field of community impact to
access tools and learn new techniques to approach the NMTC application.

For more information, please visit our
website<http://www.bakertilly.com/NMTC_Workshop>. ('http://www.bakertilly.com/NMTC_Workshop>.')

Workshop agenda:
7:30am - 8:00am

Continental Breakfast & Networking

8:00am - 8:45am

What is Impact and Accountability?
Linda Davenport - NMTC Coalition/CDFI Coalition
Elaine Martin - Enterprise Social Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Lin VanHofwegen - Dakotas America, LLC

8:45am - 9:30am

Prior Performance and Future Projections (a/k/a - IMPLAN is not
enough)
Sean Zielenbach - Woodstock Institute
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

9:30am - 10:15am

Specific Community Impact Examples and Measurements
Lin VanHofwegen - Dakotas America, LLC
Clearinghouse CDFI (Invited)
Frank Altman - Community Reinvestment Fund

10:15am - 10:30am

Break - refreshments provided

10:30am - 11:30am

Specific Community Impact Examples and Measurements Cont'd
Tabitha Atkins - National Trust Community Investment Corp.
Charles Spies III - Coastal Enterprises, Inc.
Mike Ross - The Valued Advisor Fund
Terri Preston - Baker Tilly Virchow Krause, LLP
Carrie Vanderford - Baker Tilly Virchow Krause, LLP

11:30am - 12:15pm

Partnerships with LIC Stakeholders
John Stibal - First-Ring Redevelopment Enterprise
Robert Poznanski - LISC New Markets Support Company
Terri Preston - Baker Tilly Virchow Krause, LLP

12:15pm - 1:00pm

Catalyzing Investment into LICs
Elaine Martin - Enterprise Social Investment Corp.
Lin VanHofwegen - Dakotas America, LLC

1:00pm

Networking Lunch and Extended Discussion

Register today-space is limited!<http://www.bakertilly.com/Events> ('http://www.bakertilly.com/Events>')

________________________________

Any questions? Connect with us:
[']http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg] ('http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/77771680-0.jpg)

Terri Preston
608 240 2546
terri.preston@bakertilly.com<mailto:terri.preston@bakertilly.com>

[']http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/9b3e0836-2.jpg] ('http://image.emarketerpro.skylinetechnologies.com/lib/feff1070766306/i/1/9b3e0836-2.jpg)

Carrie Vanderford
608 240 2442
carrie.vanderford@bakertilly.com<mailto:carrie.vanderford@bakertilly.com>

The Baker Tilly Virchow Krause, LLP difference
CDEs nationwide rely on Baker Tilly Virchow Krause, LLP to evaluate and
project the community impact of projects funded with NMTC-facilitated
financing. Baker Tilly has developed two comprehensive NMTC impact
analyses products.

* Pre-development impact analysis: the community impact of a
proposed project is assessed before the project is placed in service.
CDEs have used these studies to project future impact from their
participation in a project and shape the terms of transaction to create
the most value for the community.
* Post-development impact analysis: used by CDEs to evaluate actual
community impact associated with a project after the project is placed
in service. CDEs have used the results of these studies to report the
impact of their past NMTC projects in the allocation application.

Pursuant to the rules of professional conduct set forth in Circular
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________________________________
Pursuant to the rules of professional conduct set forth in Circular
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nothing contained in this communication was intended or written to be
used by any taxpayer for the purpose of avoiding penalties that may be
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----------------------------------------------------------------------

Subject: Fwd: CFA NEWS: CFA to Release Surveys on Consumer Attitudes
Towards Automatic Savings and Current Options Offered by America's Banks
-- First Ever Collaboration with Financial Services Roundtable
From: roger colton <rcolton101@aol.com>
Date: Wed, 17 Feb 2010 17:50:35 -0500
X-Message-Number: 6

HI all--

I was talking to a friend about the "student savings" messages that
have been flying the past few days. She sent me the following.

At the risk of sounding like Amazon.com, I thought if you were
interested in the student savings messages, you might be interested in
this as well.

roger

"It's nice for the poor to make ends meet. It's even nicer to make them
overlap a bit."

-----------------------------------
Roger D. Colton
Fisher, Sheehan & Colton
Public Finance and General Economics
34 Warwick Road, Belmont, MA 02478
(e-mail 1) roger@fsconline.com *** (e-mail 2) rcolton.fsc@comcast.net
(web 1) www.fsconline.com
(web 2) www.HomeEnergyAffordabilityGap.com

"Committed to the power of concentrated expertise widely shared."

From: Jack Gillis [mailto:jack@jagillis.com]
Sent: Tuesday, February 16, 2010 4:10 PM
Subject: CFA NEWS: CFA to Release Surveys on Consumer Attitudes Towards
Automatic Savings and Current Options Offered by America's Banks --
First Ever Collaboration with Financial Services Roundtable

For Immediate Release
Contact:
February 16, 2010
Jack Gillis, CFA, 202-737-0766

Elise Brooks, FSR, 202-589-2427

CFA TO RELEASE SURVEYS ON CONSUMER ATTITUDES TOWARDS AUTOMATIC SAVINGS
AND CURRENT OPTIONS OFFERED BY AMERICAÎ“Ã‡Ã–S BANKS

CFA and Financial Services Roundtable Announce First Ever Partnership
to Promote Automatic Saving by Consumers

Washington, D.C. - At a press conference at 10:00 a.m. EST on Thursday,
February 18, 2010, the Consumer Federation of America (CFA) and the
Financial Services Roundtable (FSR) will release the results of a new
consumer survey on attitudes towards automatic saving and a survey of
the automatic options offered by many of the nationsÎ“Ã‡Ã– largest banks.
In addition, a new analysis of Federal Reserve data on low- and
moderate-income households with savings accounts will be released
showing who is and who is not currently saving. At the press
conference, CFA and FSR will announce a national campaign to increase
the rate of automatic savings and improve accessibility and benefits of
automatic savings accounts offered by banks.

Released at the press conference:
â”¬â•– New survey data on consumer attitudes towards automatic
saving
â”¬â•– Results of bank survey of automatic savings options
currently being offered
â”¬â•– New Federal Reserve Board data on low- and moderate-income
households with savings accounts
â”¬â•– Joint CFA/FSR recommendations on Best Automatic Savings
practices by banks including programs to help low- and moderate-income
families especially, to save.
â”¬â•– Details of a Î“Ã‡Ã¿first-everÎ“Ã‡Ã– partnership between the
Financial Services Roundtable and Consumer Federation of America to
promote use of automatic saving by banks and the goals of the program

EVENT: Press Conference: Latest Data on Consumer Attitudes
Towards Automatic Savings, Survey of Bank Offerings, and announcement of
a unique partnership between CFA and the Financial Services Roundtable.

DATE: 10:00 a.m. EST, Thursday, February 18, 2010

LOCATION: Zenger Room on the 13th floor, National Press Building, 529
14th Street, NW, Washington, DC.

SPEAKERS: Steve Bartlett, President & CEO of the Financial Services
Roundtable
Stephen Brobeck, Executive Director of the Consumer Federation of
America
Stephen Potter, President of Northern Trust Global Investments
Ronald P. OÎ“Ã‡Ã–Hanley, President & CEO of BNY Mellon Asset Management
Dallas Salisbury, President & CEO of Employee
Benefits Research Institute

NO INFORMATION WILL BE RELEASED BEFORE THE PRESS CONFERENCE

Consumer Federation of America is a non-profit association of over 280
consumer groups that was founded in 1968 to advance the consumerÎ“Ã‡Ã–s
interest through advocacy, research, and education.

The Financial Services Roundtable represents 100 of the largest
integrated financial services companies providing banking, insurance,
and investment products and services to the American consumer.

----------------------------------------------------------------------

Subject: tax rates plummet at top as incomes soar
From: David Cay Johnston <davidcay@me.com>
Date: Wed, 17 Feb 2010 17:30:02 -0500
X-Message-Number: 7

Just posted minutes ago at tax.com, part of nonprofit Tax Analysts's
Tax Notes magazine (which carries no advertising)

http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument ('http://tax.com/taxcom/features.nsf/Articles/0DEC0EAA7E4D7A2B852576CD00714692?OpenDocument')

---

END OF DIGEST

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