I'm so excited to welcome today's presenters. We have Cassie Russell, who works with the CFPB team. He's the training and technical assistant consultant for ICF. Also Alex Gabriel, the information technology trainer at the Norfolk Public Library in Virginia. And Emily Mross comes to us from the RUSA group -- I need to remember the acronym. Reference and users services association at ALA where she is the chair of the financial literacy interest group. She also serves as the business librarian and outreach coordinator at Penn State Harrisburg Library. We're thrilled to have Emily here to kick off today's session with some of the amazing resources available through the Financial Literacy Interest Group. Welcome, Emily. >> Thank you. Hi. I'm Emily Mross. FLIG -- under the leadership of Penn State librarian Lauren rider. The only requirement to participate in the Financial Literacy Interest Group that you have an interest in promoting financial literacy in libraries. We have members from public school, academic, and special libraries, affiliate members that come from the consumer financial protection bureau and the financial industry regulatory author and other groups that can provide free resources for your library to promote financial literacy to your patrons and your community. If you have questions, you can e-mail me at -- which is on the slide. We'll also put that in the chat. So what does FLIG do? We sponsor free online webinars or also other online meetings that highlight a library or partner group that has great resources, or programs related to financial literacy. We promote these via e-mail list. Anyone is welcomed to participate. If you have a program to highlight, we'd love to hear from you about being a potential speaker as well. Recent programs have include librarians from the association of small and rural libraries who presented on how to deliver programs for children as well as caregivers to older adults in a rural setting. We also recently had a program on how to help your patrons deal with the financial impacts of COVID-19. We do record these events and share them with members so if you can't attend live, you can still access the content. Prior to the pandemic, we would always host in-person discussion groups at our ALA annual and mid winter meetings as well as preconferences that we have done with the CFPB. I hope to get back to these in the near future and plan to hold a virtual discussion group for people to meet and share ideas, as we learned the live learn conference is going to be online in January. We wrapped up a year-long blogging series, which is southerned by the ALA public programs office. Some recent posts -- program models from FLIG member libraries that show how to do innovative programs for different levels, interest groups at your library. We have recent posts on how to build and evaluate a financial literacy book collection and how to confidently answer patrons' financial literacy questions. Our programs are great ways to learn from other librarians and help build a supported community of financial professionals who are interested in financial literacy. If you're an ALA member, you can join through ALA group -- if you're not a member, you're welcome to join us via our e-mail list and you'll get information about webinars and more by e-mailing me. So send me an e-mail, say I'd like to join the list. I try not to send out more than one e-mail per month. So I will not be clogging up your inbox. If you have something to present or to write about, we'd love to hear your ideas. We're always open to what people would like to learn more about. So if there's a topic that you would want us to find a speaker on, I'd love to hear that too. Thank you for your time and attention. I hope that you'll consider joining us. Now I believe I'm going to pass it to Cassie. >> Thank you so much, Emily. And thank you to Jennifer and the entire WebJunction team for organizing today's event. But most importantly, thank you for your interest and for joining us today. We know that things have been challenging and many are dealing with staffing challenges and reduced resources. So we thank you for your time and know how important that is. My name is Cassie Russell. I am part of the ICF team that supports the work of the consumer financial protection bureau. Before I go further, I need to share this disclaimer with you. I'm making this presentation as a representative on behalf of the bureau. Nothing I share constitutes legal interpretation, guidance, or advice. All the opinions and thoughts I share today are my own and may not represent the bureau's views. Today we'll talk about some third-party links and resources that consumers may find helpful and we can't guarantee accuracy of third-party information. There might be other entities that meet your needs. Now that we have that out of the way, we want to get started with an opening activity. Then we're going to learn more about the bureau, look at tools and finally I'll be joined by a colleague who is a participant in a your money, your goals cohort. First we want to hear from you. Please use the chat and remember to address it to everyone. Tell us in the chat what words, phrases, sayings, songs, or other associations do you have with the word "money ". >> I love how you have songs in there. >> Yes, yes. Great. I see the answers rolling in. Common theme we see is feelings, right? Shame, pride, joy, stress. We see things like more money, more problems. Savings. Earning. Fear. All of these things we know are true. What we also know is that money is an exchange. I give my money and I get a place to stay. So how do we get from a simple definition of money to all of the things that you all are sharing in the chat? So now I want to hear from you -- where do associations about money come from? For you, for the patrons you work with, for your family or friends, where do we learn about money and how do we form these associations? Some common answers we got here are family, school, media. This is all true. Faith communities, your friends, your neighbors, even government, personal experiences. These all shape our attitudes and feelings about money, which shape our actions. So what does this mean when we work with the people that you serve? Patrons. Everyone is coming to the table with their own ideas. And this is important as we start to look at some of the tools, so we'll come back to the idea of money values and feelings later when we look at those. We like to start with this to really center in the conversation that we all come in with different ideas to start with. Now let's take a look at the bureau and some of their resources. The consumer financial protection bureau, CFPB, or bureau, is a newer agency that addresses financial markets through regulation, but also by empowering consumers. Again, the mission and the vision are tied to those activities and the community affairs section is dedicated to the empowerment of consumers in particular consumers who may lack full affordable access to financial services, such as individuals with low-to-moderate income, or otherwise financially underserved or vulnerable communities. I do want to mention that the CFPB is working to improve their commitment to equity. There's great information on the website on a page called "striving for equity ". You can check out information there related to enforcement and also engagement of consumers. What are some of the bureau's resources? This falls under the community affairs section. Really designed to help an organization build capacity. So this is great if you're a small or rural library, you can use these tools -- either staff or volunteers -- to reach patrons with little effort on your part. Everything is free, tested, and available to you ready to go. So what are the resources? We have one large tool kit that's very comprehensive. Then we have four companion guides and four booklets. We're going to talk about each of these individually in just a moment. I see -- thank you for adding the link to the tool kit in the chat. So this is the first thing we're going to talk about. The tool kit has 43 tools and handouts. There's easy-to-follow instructions. So you don't need to be an expert, patrons don't need an expert. It's designed to be picked up and looked at in the moment to respond to a specific financial need. We also have companion guides that support the tool kit to meet the needs of a specific population. So we have a brand-new companion guide called "focus on military communities ". We also have one called "focus on native communities "." Focus on reentry. We're going to briefly look at each of those. Focus on military communities is brand-new. It addresses the financial concerns specific to the military community. For instance, how a change in station might impact someone's financial situation. There's also specific information about scans. And then we see here focus on native communities. Again, that community-specific information such as information on individual, Indian money accounts. We have focus on people with disabilities. That provides information about how income and work impact supplemental security income, SFI. Financial abuse and exploitation and other topics. And then focus on reentry. A new version of this just launched. It addresses financial challenges to a successful transition, things like background screening reports and credit for housing and jobs. I know you all are collecting questions, but I did see one that's important that I want to address. So the tool kit is for adults. We also have a lot of K-12 materials. I can show you where to find those later. Those are organized by grade level. But this is for adult. It is meant to be fairly accessible and we also have the materials available in multiple languages. I'll show you that later on today as well. But great question. We have booklets to help someone talk about money and they respond to specific situations. At first is is behind on bills. This helps somebody if they need to prioritize bills and expenses, they are stressed, they are in a cycle of not making ends meet. It's available in English and Spanish. All of these are wire bound. They have eight tools. They are designed to be quick, easy, and interactive. And you can order as many copies as you would like to share with your patrons. So please do that and I'll show you how to order copies later on today. We also have debt getting in your way. This is really about ordering a credit report to exam debt, make a plan for moving forward. Right now it's only available in English, but it is coming in Spanish very soon. Want credit to work for you. This has eight tools. Identity theft and other common concerns. It's available in English and Spanish. Last, but not least, we have building your savings. This is eight tools. Again, this is a little unique because most of the other booklets, they are just compressed versions of tools in the tool kit. But this booklet has a special tool on saving at tax time that really helps somebody evaluate how they might use a tax refund if they have one. So that's a very popular tool. Again, right now this is only available in English, but coming very shortly in Spanish. Hopefully by the end of the year. We also have videos to spark action. So they are short videos, all less than three minutes. And you can use these to introduce a financial topic and then follow up with a tool from the tool kit to take things a step further. The videos are great because you can post them on your website, on your Facebook, you can text them to people. The links are free and ready to use. So please share them and use them however you see fit. But they are pretty accessible and really do a great job of explaining some of the more technical content. So, again, you or your path patrons don't need to be an expert to find the information that they need. Let's take a look at the tool kit. We're going to look at the main tool kit. The link was put in the chat. There's an introduction section and then nine different modules. So the tool kit is not a curriculum. This is really important. It isn't designed to be used module 1 through 9 in a classroom setting. It's really meant to respond to a specific financial need in the moment. We call this just-in-time financial education. For instance, if a patron wanted to pull their credit report and was unsure how to do that, you would go to module 9, understanding credit reports and scores, in order to find that information. Somebody needs help setting a savings goal, go to module 2 on savings. I also want to mention that the tools are available in a fillable PDF online. So they are available for individual download. You're welcome to order a full copy of the tool kit. You can also go here to download a specific tool. Again, you can share links with folks if you're working remotely or you can print just what you need. The other nice thing about the fillable version is that they are all auto-calculate. So you don't have do any math. Let's take a look at module 3, tracking income and benefits. First I'd love to hear from you. What's an example of regular income? Tell us in the chat again what's regular income, what's irregular income, and then what's income somebody might get one time. Great. So wages are definitely the most common thing we hear for regular income. Seasonal could be something like seasonal work, holiday work, one-time occurrence, gifts, one-time bonus. Irregular income could be from a side project, things like that. Yes, definitely. We also like to highlight that we should look at benefits because, while benefits come in for a specific purpose -- for example, the supplemental nutrition assistance program, SNAP, you might hear people talk about the EBT card, it's specific to food. We still want to budget with that. When we look at income and benefits, we want to include everything that somebody has coming in. So here we see at the top of every tool there's instructions on how to get started. So you don't need to prepare much or be an expert in any of this. The tool walks you through it in a very approachable manner. Here we're going to have somebody gather their pay stubs, benefits, electronic statements, and total up their income. I also really like this tool because it can be used as a checklist. People might be thinking of things from their primary job, maybe they have a side gig, you know, selling things or driving or delivering groceries. But they haven't thought, oh, I also receive SNAP, I shouldn't group that in my budget. That's a way to track what's coming in. Once we know what's coming in, we also want to look at what's going out. So one tool that we use to do that is the bill calendar. So for this, you gather your bills and you list them on the date they occur. I'm going to give tips for making sure that electronic payments and mail payments arrive on time. My patrons decide to use this calendar, tell us in the chat -- or how might you decide to use this calendar? One I hear a lot is posting it on the fridge, really getting the whole family involved, maybe having kids develop one for their own expenses related to school, to practice that financial skill-building. There's lots of ways to use this. And we also want to highlight that, while we think this tool is great, there are a lot of electronic things that people might use or people might have methods that work for them in addition to what we provide. OK. OK this is a popular debt. We like to start with a little bit about what is debt. So debt is money you owe. It's a liability. It may obligate future income. But we want to always highlight that debt is different from credit. So credit is the ability to borrow money. For instance, I might have a credit limit on a credit card of $1,000, but if I pay it off every month, I don't actually have debt. But if I don't pay it off every month, then I do have debt that's the result of using credit. But we like to highlight that credit and debt are different things. They are connected, but they are not the same. So one thing that we hear from people a lot is how can I pay off my debt or reduce my debt. We want to consider the pros and cons of each method. So we have a tool called, the debt action plan. This helps you decide whether it's best for you to pay the smallest debt first, moving up to the biggest debt, often called the snowball method, or to start with the highest interest rate. There are pros and cons of both. So this tool helps someone think through that. That's how all of our tools are set up. So they are set up in an empowerment perspective so that the person can make the best decision for them in their financial situation. Another common thing we hear about is comparing auto loans, especially with more people maybe needing to get cars for health reasons or because of changes to public transportation in recent years. So this tool helps somebody check their credit score and know what to look for before they sign a loan contract. I want to talk about some additional resources. I also wanted to know in the chat that people are really talking about getting creative and keeping hard copies at home using a binder. And that's great. You can order as many copies of the tool kit as you want as well so that you can put that into your binder. Some of you are really creative and using journals and have a lot of great ideas. Thank you for sharing those in the chat. The Bureau has more current tools in response to the coronavirus pandemic. You can visit this website to find information on protecting yourself financially from coronavirus. So this is where you'll find special information about things like credit. You can actually get a free credit report weekly through 2022 right now from each of the three major bureaus, Experian, Equifax, and transunion. You can find information on mortgage modifications and other things that people might need to be doing in order to respond to the financial impacts of the pandemic. So do check that out. It has a lot of great information. And we also have ask CFPB. So, again, you know, you really do not need to be an expert. In addition to the tools, you can use ask CFPB to look up any information that you need, that a patron needs, that your neighbors need. We love to hear about who everyone shares this information with. So ask CFPB is a way to quickly access trusted, vetted information. You can search for a question and it will prepopulate what your question might be or you can look by topic tile. The little squares have different topics. We have information on everything from auto loans, credit reports and scores, college. So it's really great and easy to use. I love to use it when someone asks me a question, I'll say I can't remember the specific date, let's look here and see what we can find. Consumer finance.gov/your money, your goals, click on the right-hand side on a link that says order free copies and you can order copies of a variety of materials and you don't have to limit yourself just to your money, your goals resources. So it's important to note that there's great information from our older adults office, from our office of service members affair, there's booklets you can download, there's bookmarks, place mats, lots of great things that you can give away to patrons and continue to reorder. We want to get this information out there. So please do order materials. Just make sure you plan for six weeks for shipping time. Order now so that materials arrive in time, especially if you're having an event and especially during the holiday season. I want to take a break and, Jennifer, are there any questions we should address in the chat? >> Yes. Really quickly, I was just looking at the -- for that order free copies link. You said it's over on the right of that main your money, your goals page? >> If you click on the little downward -- it can be tricky to find. I can put a direct link in too. >> That would be great. There were definitely a few questions. Let's see, somebody asked early on, can you tell us when CFPB was established? >> Oh. >> Check with Ken and see. I feel like it was not tremendously long ago, so we'll have to find out that date for you. Somebody might know >> 2011. >> 2011. Excellent. That's great. And people are amazed at all the resources, for sure. You answered the question about the agreed level for tool kits and we'll make sure and have -- I'll add that link -- you mentioned resources for grade school students, so we'll add that link to the events page as well. There were lots of great ideas shared in terms of managing personal finances. Somebody said that they are interested in creating a personal finance notebook so that the calendar can help them stay organized and catch bills that may be late. Yeah, a lot of these resources certainly would be something to encourage folks to use in a notebook. I'd love to hear, Cassie, if you talk about in any of the modules how to sort of have maybe create that resource notebook that would be used by an individual. >> The tool kit comes ready to use. All you need is a binder. People get creative with adding in other materials in addition to the bulk order from the CFPB, our friends at the NCUA have trusted government materials that you can use. I encourage you to pull from different resources and find what will work best in your community. >> There was a question related to benefits. Do you address the fact that more people qualify for subsidies? Are there health benefit resources that you all provide? >> There's information in the tool kit about benefits. I would look in that section on incoming benefits and also in the focus on people with disabilities. There's even more information on benefits, programs in that companion guide. >> Excellent. And then I see you already responded -- somebody asked about tools for addressing student loan debt. I have seen a lot of great resources come out of CFPB and Cassie shared a link to the student loan collection of resources as well. Here's another question. Folks have had some bad experiences with finding presenters to talk about these kinds of topics. Folks can be a bit predatory, even if they claim to be offering free help. So I'm curious as well if -- in terms of libraries that are looking to partner with organizations in the community banks, you know, whatever that looks like in their local community. And I have heard this before. It can be really tricky when it's related to financial services, so do you have tips on finding experts who respect boundaries around not advertising to supplement these resources? >> Yes. So the office of older Americans has a great guide on partnering. So I would encourage you to check out that information. Also to think about reaching out to your CRA officer at a financial institution because they are more familiar with working with nonprofits and volunteering or libraries in this case, and might be better sticking to a nonsales environment. >> I believe that's the link to the partner book Cassie mentioned. Somebody -- credit unions have been great as collaborators as well. How do you go about not getting too involved with patrons' personal information? Is there a contract of privacy signed? How do you recommend folks address more personal information and, you know, either articulating that that remains private or ways to get around -- or ways to get to addressing privacy? >> Yeah. I'd love to hear chat what other libraries do. I think the great thing about the booklets and tool kit is it's coming from an empowerment perspective and making sure that patrons, customers, consumer, can do it on their own. For instance, everything is written directed towards that person who is seeking the information. So for getting a credit report, you're not going to enter that information. It walks somebody on how to do that on their own. It can be a support person -- if you have questions about where to find the tool or those things, but it's really empowering the person to have the information to do it themselves and to have an opportunity to practice. >> Yeah, that's a really good point, for sure. I know there's been talk about student loan forgiveness. Are there specific resources within your student loan information on how to apply for student loan forgiveness? >> So I can only speak to public service loan forgiveness. And there is information on that. So if you go to that student loans page, there's information on that, or you can go to ask CFPB and search. So they have information here about the basics and find out how to apply or repay. And there's information on managing your money, getting information about your student loans. If you click on explore student loan repayment options, there's also a link that says learn about repayment programs for people in public service. That's called public service loan forgiveness. And I put that one in the chat. I think for those questions it's an opportunity to use ask CFPB because you don't have to remember where to find it on the website. You can go straight there and put "loan forgiveness" in and the correct information will come up. >> Excellent. And a reminder to folks, as Cassie mentioned in terms of getting materials, this e-mail I'll put in chat is the one to use if you do have specific questions for -- around the your money, your goals resources. So be sure to note that option as well. All right. Well, folks, continue to post questions as they come to mind. We can circle back around at the end. I know Cassie wants to get into talking to Alex to understand how Norfolk has used the resources. >> Thank you, Jennifer. I'm thrilled to be joined by the Norfolk Public Library. They were a participant in your money, your goals cohort. It's a competitive process and you can join our mailing list to find out more. Our next announcement should be coming out soon. Probably in November. We provide individual technical assistance to programs that are interested in expanding their financial empowerment work using your money, your goals tools. Alex and I have worked over this last year with his other colleague to address some of the colleagues that the Norfolk Public Library has had. Before I welcome Alex, I also want to recognize the work of Patricia Kendall, the project coordinator for adult programming. She completed the application and was instrumented in the work, but was, unfortunately, unable to join us today. But we're thrilled to work with Alex, who is an information technology trainer, but has really been instrumental in organizing staff training and posting information for patrons. So welcome, Alex. >> Thank you. Appreciate that. >> All right. >> Alex, I know Patricia handled the application. But can you tell us a little bit about when you applied for the cohort and what made you interested in your money, your goals? >> From what I understand, Norfolk library applied in early 2000, applied for the cohort application process. Think wanted to get the Norfolk patrons interested in the application process of obviously the resources from obviously not just saving money, but obviously understanding all aspects of obviously the -- obviously the goals of money, benefits, you know, all the goals of it, process of it as well. Job seeking, healthcare benefits. Once they saw the rewards it can bring to it, they wanted to see what they can bring to the patrons of it as well. They know the library system, they can bring rewards to it. That's what they wanted to see -- the interest of it as well. >> Thanks. Norfolk had already started financial literacy work. You all have been a participant in money smart week. This is a natural fit for work you all had already done. >> Correct. I know at one point they are doing some financial literacy. I kind of came on a little bit later on. I know they wanted to get the patrons. Obviously learn how to save money, understand how to pay bills. They weren't sure if they -- one question earlier kind of hit a note on it. They weren't sure if they wanted to bring on banks or credit unions. When Patricia and the team brought on the consumer financial bureau, that was the perfect match. So we were really understanding on getting the correct resources, getting correct terminology to our patrons and obviously getting the correct resources. That was the perfect match. >> Great. Thanks. So obviously things have changed a lot in recent years. Can you tell us a little bit about the original plan for using your money, your goals? >> Yes. So I came on board in the early part of December last year obviously when the pandemic was emerging. The original plan was to train our staff at Norfolk library. The staff is 60 to 70 of full-time staff members. The plan was to train the staff on obviously the tool kit of the your money, your goals tool kit. Basically from there, as patrons have questions and of course our libraries were closed as many other libraries were closed, but basically if patrons had questions either online or if they did meet face to face, which we are doing right now, our staff was trained on how the tool kit worked or basically on how the website worked too. So they are at least knowledged on understanding how the process worked or where to point them to. They didn't have to be financial experts. For example, neither was I. I'm more of a technology expert, or technology trained. Me going through the website, researching some of the website, I was able to be much more financially literate. In that case, able to train my staff as well. So we did about three trainings, only lasting about an hour each. Our staff was much more well-literacy within the your money, your goals tool kit. >> Staff got trained on credit and debt, paying bills, protecting your money, which is about scams and making consumer complaints if an individual needs to. You said initially you had 60 to 70 staff. But some things have changed there. Can you tell us a little bit about that and the impact that recordings will have an you all being able to access information in the future? >> Yes. Originally the staff -- like many other agencies -- we had some employees that got hurt by -- I shouldn't say hurt. But obviously COVID affected employment. But our employment is going up, thankfully. So now I'm not sure what number we're at now. But obviously our numbers are going up. So like you mentioned, we did do some summer trainings and they picked which models they liked in that case. So they picked ones they liked and they enjoyed that one. From that point, they are now as patrons -- if they have questions on those topics, they are more literate on topics and able to train the patrons and in that case reach out to them a little bit better more in those areas. Also, our branches are back and open and then we have literacy on the bulletin boards, literacy on our digital signage as well. >> Great. So those recordings exist, so when people get hired on, they can access those trainings and really be up to speed or if staff have questions, they can refer back to those recordings as well. >> That's correct. If the staff missed any of the summer trainings, or if the staff missed any of the earlier trainings in which we did back in the winter, the training was recorded, so they are able to go back and watch the recordings easily. So that is totally viewable, correct. >> Great. Alex, you were really instrumental in setting up the technology for the trainings and leading the first two trainings. You all are in the process of adding resources to your website so patrons can easily access links to the materials as well. >> Yes, that's correct. What they did was they have -- they -- we forwarded the material to our website administrator. From there, they added links to the consumer financial bureau link from there for the -- for the support link site. So patrons can easily find it. We haven't done this just yet. But we're looking into doing some trainings, actually doing our own your money, your goals trainings now for patrons. Obviously I know with our partnership ending soon, and since we had such success with it, we want to do our own trainings now for patrons starting soon. >> Great. So I'm really excited to hear you're going to use that information and share that with patrons. And that goes into our next page. So you selected modules to focus on based on the interest of patrons. I'd love to hear from you what sort of information were patrons hungry for. >> You touched base on a few of them. I know the popular ones were obviously paying bills, understanding the credit score, and I think it was savings. I'll say this also. Now that I have been working here at the library for the past four months, obviously speaking with patrons, COVID-19 has been a very popular topic and taxes have been a popular topic too. Obviously I think paying bills, tracking income, obviously understanding your credit score/savings -- those have been popular topics. Now that I have been dealing with the public, those modules have been very popular. Obviously me going through the training myself and obviously training the staff, it's been knowledge to have under my belt and understanding it and showing the patrons where the website is, read the material and having them understand it from that point on. Again, I wasn't a financial expert myself. I knew some basic knowledge just from basic knowledge of just credit cards and paying bills. But this certainly helped me out. The patrons have a better handle of it. At least the ones I showed, understanding how to pay bills and understanding basic material. >> Great. So you've answered some of this. Jennifer put a link in the chat to a Facebook post you all did. But what's your plans for connecting patrons with your money, your goals? Are you going to order more of the materials to give out? You mentioned training you're planning. What does the future hold? >> From what I know, I met with Patricia and met with my other training colleagues and what we're trying to do is we're planning actually our spring training right now. We're looking to do just your money, your goals patron financial training and it's going to be maybe between 30 minutes to an hour length. We're thinking maybe trying 30-minute training first. If that goes well, we might try hour, maybe one of the luncheon type things. These will be virtual still. We're not doing anything face-to-face still. It will be in a similar Webex-type environment. All my online classes are still very successful and have very good turnout right now. So we're looking to do that within the -- starting January, February. Again, right now this is all kind of discussion right now. But it looks like we still -- try this financial literacy-type kind of discussion right now. >> Great. Yeah. I love -- I think that's a great point you all having discussions -- >> Programming -- >> OK. Sorry, my audio cut out for a second. I think I spoke over you for a I apologize. >> OK. >> I think it's great that you all are having discussions and trying new things and seeing what patrons like. That can be important part of the process too, being responsive to patron needs and questions and adjusting as you go and all learn yourself. So thank you so much for being such a leader in this process, for learning all of these things, and then sharing them with patrons. We really appreciate your work. >> Thank you. We definitely want this to -- >> We can do -- demo website. >> I have a question for Alex. Alex, if you have a chance, I was kind of poking around your site. You mentioned -- sounded like there was a place where you have embedded some of the resources. If you have a link aside from the things that I have seen you all push out in terms of programming, the events listings and the Facebook listings, let us know if you have got an additional link for that. >> Sure. >> Yeah, if other people have more questions, please keep posting those to chat or, you know, also if you're doing financial literacy information sharing or programming, people love to see examples of what you are doing. I know that, as Emily said, there are lots of great examples being shared through the RUSA group, the financial -- the FLIG group. So definitely keep sharing those resources as well and any other additional questions that you would like to bring to the conversation. Yeah, Cassie, let's go ahead and keep on going. >> OK, great. I'm going to pull up the website. >> This is the Bureau's landing page. It can be a little tricky to navigate. There's some blessings in having so much information. We want to highlight a couple of things. You can easily change the website's language by clicking on the language that you would like to see information in. Not everything is available in every language. But most resources have a similar resource in at least Spanish and Chinese. We also have this link to submit a complaint. So if someone is having a hard time with a financial product or service and they have contacted the provider, but haven't able to get a resolution, they can come here to submit a complaint online. It's a quick and easy process. You'll get a tracking number and it's a great way to make sure that you are advocating for yourself. You can also call. And if you call, you can access assistance in more than 180 languages. So please, if somebody needs assistance about a financial product or service, language access should not be a barrier. If you click on consumer education, we see the little down carets. Here's where you see the order-free brochures. This is where you get access to the book publications. Again, this is completely free. You can order up to usually 200 copies. But you can make multiple orders over the year if you need to. And here we see the categories. If you click on your money, your goals, you can order this great starter pack. If you're unfamiliar with the materials, this is where I would recommend you start because it includes a full tool kit, each of the booklets, and companion guides for people with disabilities and native communities. If you have an idea what resource you'd like to order, you can click here and then select the resource that you need. You can see this is to order the in Spanish. So make sure you're ordering the language that you need as well. Somebody asked about information for the K-12 audience. So there's this youth financial education. Here you can find classroom posters. There's money monsters, chapter books, bookmarks, stories, teaching guides. In addition to that great information, there's the money as you grow program and there's different bookmarks, a parent guide, and tips and ideas for parents and caregivers. We also have managing somebody else's money. So for older adults or people with disability who may need assistance managing their money, these guides are great to help family members and caregivers as they navigate managing somebody else's money. So taxes is a popular topic. There's great posters about saving at tax time. Tax refund and tax preparation. And then there's this COVID-19 publications. So there's information on help for renters and homeowners that you can print out or order. So one thing here -- we see worried about missed payments and eviction. Help is available. Click on this. It will tell you what format it's available in. So this one is only a download because it's a quick response to things that are going on now. But for others, if we go back to your money, your goals, you can also download the PDF version. So if I want to access the focus and reentry guide, I can download or add to my cart. There's also great information on specific topics. For instance, credit. You have handouts on improving your credit that you can order. And of course there's library promotional materials for those of you that are interested. But I just love to highlight this because, again, it's free, it's easy to use, you can order, shipping is free. It comes pretty quickly. So please access the resources that your community needs. Again, to access that, you can go to community education and then order free brochures. There is also another link to submit your complaint to -- someone asked earlier about loan forgiveness. So if I start typing "loan forgiveness," the first thing that comes up is what is public service loan forgiveness and we see information with links on how to access that. And of course if you click on resources for practitioners, you can get to all sorts of information for underserved and economically vulnerable communities, multilingual communities, college, service members. You can look by topic or you can look by your professions, so libraries and librarians. Obviously there's a lot on the website to explore, but wanted to highlight some of those key resources for you. >> People are very impressed and pleased to know there's all of that there. There was one question about if you have any resources or if you all do anything special during April financial literacy month. >> Yes. So the Bureau will normally do a webinar usually in partnership with the FDIC or NCUA during April. So you can look for that. That's usually through the financial educators exchange. That's another way you can stay connected. You can sign up for -- e-mail to get information about your money, your goals. There's lots of ways to stay connected to different resources and webinars. The Bureau also has a YouTube page where you can find recorded events from the past and some other great information in addition to those short videos that I showed you earlier. >> Fantastic. And we can add -- all of these resources that were shareholder, if they aren't already represented on today's event page, we'll be adding those. Don't forget that you can reach out directly to the your money, your goals team to -- yeah, the link to the YouTube page, that would be helpful. That's great. Again, if you do have questions, don't hesitate to contact the -- put this in here for you -- the e-mail that I will put into chat as well so that -- is that a good e-mail? You mentioned the mailing list. Is that a good way for people to get on the CFPB mailing list for libraries, for people who work in libraries? >> It's a bit challenging. We have different teams. So I'll share my screen again and show you how to do that. On the library resources page, to join -- some of you might know Ken McDonald. You would add your e-mail address here and press sign up. To join the your money, your goals, go to the your money, your goals website and then again on the right there's always this connect with us box. Different teams, there's work -- work closely with Ken, but different content. This is another way that you can access the resources, tool kit, companion guides. There's also this list of online resources by topic. So this covers information found in the tool kit and the booklets in an easy-to-access way. It includes third-party links about how to find a credit counselor, consumer.gov and other resources. Somebody asked about benefits. You see here information on healthcare.gov, Medicaid, state health insurance programs, help with medical bills, information for native communities, so information on Indian health services. Resources by topic can be found here. >> Wonderful. That is so fantastic. Obviously lots of information is available. There's a lot of support through the tools to help you decide, as she said, just in time resources for those questions that you are getting and then as you can see the great work that Norfolk has done, you can certainly put some of those resources in to enhance your programming efforts and perhaps your collaborations with others in the community. Yes, the chat will be posted as a separate resource and I will pull out any of the additional links so that event page is a great one. I'll send you a link later today -- or an e-mail later today once that's posted. I'll also send you all a certificate for attending today automatically. I do send you to a short survey as you leave. We love to get your feedback. We'll be sharing that with our panelists today to help guide their work and it also helps us guide our ongoing programming. Thank you so much to our presenters, Alex, Emily, Cassie. We so appreciate you bringing your great work. We look forward to having -- being able to direct folks to the Financial Literacy Interest Group. Thank you again, Emily, for bringing those great ways to stay connected with you all. Thank you so much, Cassie. Any final comments from any of you? Any of our presenters today? >> Thank you all for being here. Please do use that e-mail to get in touch. My wonderful colleague Terry, a real person, will answer your questions and we welcome any feedback or things that you might need, we can always get you connected to the department. >> Fantastic. Yes. CFPB is very eager and always takes our library input into the work that they do in revising and updating and creating new resources. So don't hesitate to reach out with your needs as well. All right. Everyone have a fantastic rest of your week and thank you again to our captioner as well. We hope to see you at our next WebJunction webinar.