Shay Visiting Jackson, MS

This summer I’ll be touring the south promoting Money Matters: The Get It Done in 1 Minute Workbook. Thankfully, I have been able to connect with Cryus Webb at Conversations Book Club in MS. Cyrus is doing great work around reading. Please connect with him on Facebook.

I’ll be visiting with Conversations Book Club Tues. August 10, 2010:

* 9:30-10:30a.m. — Peeples Middle School (Jackson, MS)

* 11:30-12:30p.m. — Morrison Academic Center (Jackson, MS)

* 4-5:30p.m. — Pearl Public Library (Pearl, MS) — Meet and Greet

* 6-8p.m. — Appetizers Restaurant (3000 HWY 80 E * Pearl, MS) , discussion

Come on out and say, “hi”. You can also buy your book early and come with questions to the Meet & Greets.

Find out if Shay is visiting your state here. Don’t see your state, school, or book club listed? Invite Shay to visit your group by calling (323) 596-1843.

Phone Apps You Need

It’s important that we manage our money effectively and efficiently. I’ve said it before and I’ll say it again, “its not how much you make, it’s how much you spend”. I’ve created a list of a few phone apps that are:

– Cheap
– Effective
– Easy to use

Take a gander at these puppies.

Budget

They say, “Budget helps you track your spending and keep to a budget. You can easily see your total income and your total expenses for a period, plus which expenses you are spending the most on and which expenses you are going over budget on.”

I say that everyone needs to have a spending plan and there’s nothing like having your personal finance information at your fingertips. Using this app is a small change that will make a huge difference in your personal finance outlook… if you use it.


Compare Me Shopping Utility

They say, “WAS FEATURED BY APPLE IN “WHAT’S HOT” Did you ever shop at Sams, Costco or online at Amazon? Then CompareMe may help you to save money! CompareMe lets you compare products in different sizes and even in different packs.”

I say it’s an easy way to help you find out which buy is the best deal. Who knows if the $2 can at 16 oz. is a better buy than the $2.30 can at the 20 oz.? The Compare Me Shopping Utility knows.


iCredit Calculator

They say, “In the 1.2 release of the iCredit Calculator, the calculated repayment results can be generated into a PDF document that you can then e-mail as an attachment from your phone.”

I say this is a must have tool. When you’re out shopping and think, “i’ll put it on my credit card” this handy dandy tool will be there to help you find the true cost of those purchases. Small purchases really add up and effect your credit.

Bank of America Mobile Banking

They say, “Mobile Banking allows you to check available balances, pay bills, transfer funds or locate ATMs and banking centers on-the-go. It’s fast, easy and convenient. It’s a free service and available to Bank of America Online Banking* customers.”

I say it’s a great way to monitor your accounts on the go. The days of sitting at home balancing your checkbook are long gone for most of us. Why not have access to your accounts 24 hours a day, so you don’t end up with overdraft fees. Be honest… you know you take your phone everywhere you go. Now, you’ll have your personal finance information as close your music playlists!

Bloomberg

They say, “Bring the power of the most trusted source for financial information to your iPhone, along with tools to help you analyze the world’s markets.”

I say it’s a great free app that helps you toy around with financial market information. If you’d like to know more about stocks and how they work why not download an app from one of the most trusted financial sites in the world. Get this, it also comes in Chinese, French, German, Italian, Japanese, Korean, Polish, Portuguese, Spanish, Ukrainian. Nice!

What apps do you use for personal finance?

You Are Probably Contributing to Slavery

You can help stop modern day slavery. Small changes make a big difference.

I just read an article about forced labor in agriculture in Florida on the website for The Nation. I’m sure you know that I was disgusted. It turns out that there are farms in FL, and I would suspect other states, that hold workers hostage, beat them, and keep them in inhumane conditions so that they can harvest the fruits and veggies that we eat every day. Here are a few of the examples noted in the article:

When the visitor steps out of the truck he sees a panel which gets to the heart of CIW’s analysis around modern slavery–that it’s not something that takes place in a vacuum, but it’s tied to the broader conditions in the agriculture industry–sub-poverty wages and substandard working conditions; from the earliest days of slavery through today, farmworkers in Florida are among the least paid and least protected workers in the nation.

On the panel are two artifacts to drive home that message: the bloody shirt of a 17-year old boy who was beaten in 1996 for stopping to take a drink of water while working in Immokalee. In response, there was a nighttime march by 400 workers to the crew leader’s house. This was a significant moment in CIW’s history because that kind of violence was routine and never received a widespread organized response.

You won’t even believe this quote

In the southeast, that means Publix. When asked whether the supermarket continues to purchase from farms that were recently found to use slave labor a Publix spokesperson “said the chain does purchase tomatoes from the two farms but pays a fair market price.”

So now it’s okay to use people as slaves as long as those that are working those in slavery are compensated with a fair market price? Come on, that’s ridiculous. I’m glad that the Coalition for Immokalee Workers has put together a traveling museum to highlight the cases of abuse and help put a stop to forced labor.

What does this have to do with personal finance? Everything! We all say that we want access to affordable goods so that we can keep our families in a measurable state of comfort, however too often we don’t think about what’s being done to provide those services and products at that low price. Are you willing to contribute to the enslavement of others in order to have tacos and burritos that are a few cents cheaper?

Write to Publix, Chipotle, etc. and tell them that we WILL NOT contribute to the enslavement of any people.

In solidarity.

Zahra’s Bookstore Meet & Greet

This Saturday, April 3rd I’ll be signing copies of Money Matters: The Get It Done in 1 Minute Workbook. Come by between 2pm – 4pm.

Bring your teens!

Youth development speaker and author Shay Olivarria will discuss the 5 things we should be doing now to master our money. Lecture will be followed by a Q & A session and book signing for Money Matters: The Get It Done in 1 Minute Workbook.

This free event should not be missed.

Zahra’s Books N Things in Inglewood from 2pm – 4pm.

Shay Olivarria has worked with Upward Bound, Orangewood Children’s Foundation, and several other youth organizations and universities. Her second book, “10 Things College Students Need to Know About Money” will be out May 2010.

Books available online at: Amazon, Barnes & Nobles, and Powells.
Books available in store at:

Zahara’s Books
900 N. La Brea
Inglewood, CA

Smiley’s Books
22709 Avalon
Carson, CA

The Dock Bookshop
6637 Meadowbrook Dr
Fort Worth, TX 76112

Nubian Bookstore
2445 Southlake Mall
Morrow, GA

Malcolm’s Reading Room
404 17th St. North
Birmingham, AL

Promote Financial Literacy Through Teachable Moments

I’m often asked how old kids should be when you begin teaching them about financial literacy or what book children should read or what skills should be focused on. I think sometimes it seems like trying to teach kids about financial literacy is a huge task that some parents don’t want to do. Let’s make this simple: use everyday situations called “teachable moments” to instruct on what good habits are, encourage critical thinking conversations, and model those habits.

Let’s start at the beginning.

Teachable moments are those opportunities that children provide by way of questions. You know, “Daddy, how does money get in the ATM” or, “Auntie, let’s stay in the hotel with the gold toilets, we’re rich, right”. We’ve all been there. Sometimes we’re too busy to sit down and have an intelligent conversation about these topics, but many times we have the opportunity to provide a valuable life lesson with just a few minutes worth of your time.

During the conversation encourage the child/youth to think critically about what you’re saying, ask questions, and even challenge your wisdom. Only through a clear understanding, through their own process, can children begin to create their experiences with money. Have no doubt, that children are watching what you’re doing and viewing the habits of others to start deciding how they feel about money and money habits.

Which leads me to the last, crucial, part of using teachable moments to help children understand financial literacy. After you’ve shared the correct habits/behaviors and encouraged the child to think critically about the topic, you must make an effort to model those habits. All the talking in the world won’t blind your child to what’s going on in the home.

You don’t need to have a huge discussion with your child when they turn 16 or schedule weekly meetings to discuss the current state of events, unless you want to. Taking a few moments when you’re child provides and opportunity for a teachable moment will allay the stress surrounding money for both you and your child.

Be well.

Network of Empowered Women May 29th

I’m really looking forward to working with the Network of Empowered Women. Join us Saturday, May 29th at the Rita Walters Learning Complex in Los Angeles for a timely discussion about healing your relationship with money.

Order your copy of Money Matters: The Get It Done in 1 Minute Workbook before the workshop or pick up your copy on site.

The audio companion to Money Matters will be available online soon.

See you there!