Money Mistakes on Retail Me Not

The dumbest thing Shay ever did with money is a story told at RetailMeNot.com.

Financial Education Speaker & Author Shay Olivarria’s whole career has been built on sharing the mistakes she made with others in hope that those mistakes could be avoided by others. Now, she shares the biggest money mistake of her life with Emma Johnson at Retail Me Not.

Smart people make dumb mistakes all the time. That’s why they’re smart—they learn from their mistakes. Even smarter? Learning from other people’s mistakes! Instead of screwing up your own finances, check out these doozies committed by financial professionals.

Read the article here http://theinsider.retailmenot.com/money-lessons.html

Multicultural Familia

Shay Olivarria will be speaking with Amanda (@MarocMama) and Chantilly (@BiculturalMom) of Multicultural Familia about personal finance.

Guess what? I’m going to be the inaugural guest on the Multicultural Familia Radio Show! I’m thrilled to be invited! In case you haven’t heard of Multicultural Familia (how have you not heard of Multicultural Familia?) there’s more information below. Feel free to check ’em out, subscribe to the blog, and add them on Facebook.

Upcoming Podcast Synopsis

Shay Olivarria is a financial education speaker, former newspaper columnist, former foster youth and author of All My Mistakes: Money lessons for emancipating youth10 Things College Students Need to Know About Money and Money Matters: The Get It Done in 1 Minute Workbook.

Learn more about Shay on BiggerThanYourBlock.com

On Wednesday’s show, Amanda (@MarocMama) and Chantilly (@BiculturalMom) will be talking with Shay about financial education for children and young adults, and how parents can empower their kids to take control of their future through financial planning, education and entrepreneurial experiences.

Follow us on Blog Talk Radio.  Bookmark the show!

Read more: www.multiculturalfamilia.com http://www.multiculturalfamilia.com/2012/05/15/new-multicultural-familia-radio-show-may-16th/#ixzz1uwgnTSec

About the radio show

Wednesdays at 9pm EST/6pm PST, Multicultural Familia will be hosting biweekly shows on Blog Talk Radio about a variety of topics relating to multicultural families.  The one hour show will include interviews with with parents and experts, guest appearances from popular multicultural bloggers and commentary about the latest ‘hot topics’ in the news.

Please join us on Wednesday, May 16th at 9pm EST/6pm PST for our first LIVE broadcast and follow us on Twitter at hashtag #MFamRadio or in our online Facebook Forum to join in on the conversation.

About Shay Olivarria
Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

 

3 Reasons to Buy Money Matters

Order Money Matters on Amazon.com

If you are looking to make some changes and get on track financially, Money Matters by Shay Olivarria is the book for you. There is a check-up for where you are with your financial goals. The book addresses savings; short term and long term. It tells you how to set up retirement accounts, investments, and how NOT to get into deep debt. This is great for those beginning their journey into the real world. Also, for those that have already messed up, Olivarria has steps on how to get back on track.

Olivarria creates a great guide for you to create your own individual plan to get out of debt and on the track to financial freedom. She states that you have to be patient and consistent. It is never too late to turn it around. I suggest you gift this book to college graduates. It is straight to the point and interactive.

This book was provided courtesy of the author for review.

DCSquared

 

#1 You want to know more about personal finance, but you’re not sure where or how to begin.

We all want to make better financial decisions. The challenge is that sometimes we’re not sure what to do or we have hard decisions to make where both options seem like bad ideas. We get so caught up in running from day to day that we forget that we can make changes if we take a moment to plan instead of react. Money Matters was written with that in mind. The very first worksheet is one page long and helps you see the bigger picture by asking a few simple questions.

#2 You are intimidated by personal finance jargon.

Have you ever tried to read a personal finance book or spoke with someone in the financial services industry and you didn’t understand what they were saying? Me too! Personal finance is not complicated, but it’s easy to make it seem complicated by using industry jargon. Money Matters is written clearly. I don’t try to confuse the reader by making things sound harder than they are. That’s why media outlets across the country have quoted me and asked me to write for them. I make money management simple.


#3 You want to know what you need to know to make things change.

Take a look at the Table of Contents from Money Matters in the image above. This book covers “just the facts ma’am”. There are tons of books that do into depth about any area of personal finance that you might be interested in. This is not that book. Money Matters is a bare-bones, simple read with worksheets to help you make good decisions about money. The book covers net worth, retirement planning, paying off debt, managing your credit score, payday loans, rapid tax refunds, and even saving money on your groceries.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Family Connection Club

Get this great mp3 by signing up for the Family Connection Club now!

Financial Education Speaker & Author Shay Olivarria will be featured in the May issue of The Family Connection Club! In case you don’t know about the work that Linette Daniles, PhD and her daughter Danette Nixon do to help families I’ve posted a bit about them below. Suffice it to say that they are working hard to make sure that parents and children get along, have tools and resources available to them to build skills, and to have fun.

Looking for a great resource to teach your teen about money? Order 10 Things College Students Need to Know About Money now!

When you sign up for the Family Connection Club you’ll get all the great things the Family Club Connection offers PLUS an mp3 from me talking about how to use teachable moments to convey financial literacy concepts like:

  • Needs vs. wants
  • Cost vs. value
  • Net worth (why it’s important/ how to calculate)
  • Compound interest (how it works/ how to earn it)
  • Pay yourself first
  • Work = money (work smarter not harder)
  • Critical thinking (what marketing is, how it works, why it works)

If you haven’t signed up yet, I would suggest you do … after all …. McDonalds doesn’t need the money!

About Family Connection  Club

The success of our children blooms from a seed that is planted and nurtured by caring adults . . . and the strongest flowers are the result of deeply rooted communication within the home. The Family Connection Club is designed to make strengthening the parent-child relationship easier. Click here to learn more about the Family Connection Club.

About Shay
Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Youth Success Show

 

How exciting! Financial Education Speaker & Author Shay Olivarria will be a guest on the Youth Success Show June 7th at 2pm EST. Show hosts Sarah Newton, Linette Daniels and I will chat about how parents can share financial literacy concepts with tweens and teens without lecturing to them. Call in with your questions (347) 324-5003!

Looking for a great resource to teach your teen about money? Order 10 Things College Students Need to Know About Money now!

 

About the Youth Success Show

Join Sarah Newton and Linette Daniels as they answer the fundamental question, what makes youth successful? What empowers them? What makes them want to change? Why do they behave the way they do and most importantly, how can we positively impact and influence them? Together, Sarah and Linette have over 40 years experience in the youth field. Sarah, an ex-police officer in London, started her consulting business 10 years ago and is well known worldwide for her TV and radio work. Linette came from a social work background, has built a successful business helping youth and parent professionals and is the founder of the International Association for Parenting Coaches and Consultants. Join them on The Youth Success Show as these two seasoned experts  share their ideas, thoughts, perspectives and tools to help youth thrive. GET A FREE GIFT FROM US WITH LOVE http://iapcac.com/blog-talk-radio-show-gift/

 

About Shay

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

100 Free Books

Get 100 copies of this book for free for your students.

 

Get your bonus today!

Sign the contract before June 30th to bring Shay Olivarria

to speak on your college campus & receive 100 copies of her book

10 Things College Students Need to Know About Money as a bonus!

Visit www.BiggerThanYourBlock.com to find out more about

financial education speaker Shay Olivarria. Watch videos.

Read testimonials. Book workshops.

Book with another college

and both colleges save.*

Shay’s been quoted on:

         

 

*Both colleges must have workshop scheduled within 7 days of each other.

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Improving Every Year

Abby Ulm, Foundation Manager at SCE Federal Credit Union, and Shay Olivarria at the Los Angeles Federal Reserve during a field trip with local high school students.

More great news! SCE Federal Credit Union Foundation (now the Center for Financial Empowerment) works with several high schools around the San Gabriel Valley and in the 2012 National Financial Capabilities Challenge 24 of the 415 students nationwide (that’s about 6% of ALL the students across the nation) were students that SCE Federal Credit Union Foundation worked with!

In 2012,  35 schools in California took the challenge (that’s about 67% of all schools in California) and the students that SCE FCU Foundation worked with scored really well. In fact, there was an increase of students that scored in the top 20% in year two.

In 2011, the SCE FCU Foundation had 10 students that scored in the top 20%. This year that number increased to 24 students. That’s more than 100% increase!  There were:

12 students from Baldwin Park High School

7 students from Duarte High School

5 students from Colony High School

 

Congrats to all the students and the team at the SCE Federal Credit Union Foundation!

 

Finding Love Magazine

Read about Shay's journey to self-love on page 14.

 

Financial education speaker and author Shay Olivarria is featured in this month’s Finding Love Magazine. She talks about sticking out from her peers and being kind of … odd.

Shay Olivarria is a wonderful, loving person. She’s run her own financial education business, Bigger Than Your Block, for five years. She’s earned an undergraduate degree and studied for a graduate degree. She’s traveled to nine countries on three continents. By every definition she’s accomplished, so why didn’t she love herself?

 

 

 

Turn to page 14 and check out Shay’s article in Finding Love Magazine this month.

I’m working through my issues. They are definitely not over yet, maybe they never will be. I’m better than I was, though and that’s all that matters to me. I’m still considered strange to most people I meet. I still have to give myself pep talks before I step on stage. My jokes still fall flat sometimes, but who cares? We’re all works in progress and right now I’m having a great time settling into myself.

 

 

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

NBC Latino

Shay Olivarria was interviewed by NBC Latino! Whoo hoo!

 

We’re so proud that Shay Olivarria was interviewed by Kristina Puga of NBC Latino for this article with tips about dealing with the possible doubling of the student loan interest rate that’s coming July 1. Read it and share it!

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Millennials and Financial Literacy

Just read this article in USA Today about young people that have graduated from college and are flying through life with little knowledge of personal finance. It doesn’t surprise me because this article just came out from Society of Human Resource Management (SHRM) that ranks each state in two categories: knowledge of personal finance concepts and application of those concepts in everyday life.

$15 on Amazon

Buy a copy of 10 Things College Students Need to Know About Money for the student in your life.

The parental instinct to provide for your children can actually be detrimental to preparing them to be financially independent. Beacham says it’s an “unintended consequence” that leaves adult children unprepared to handle their own finances. “You feel like a good parent if you’re taking care of your child,” she says. “(But) the reason kids on college campuses don’t know anything about money is because they have no skin in the game because their parents are still paying. Their child is going to pay a much higher price for the lack of experience and knowledge they have on graduation day.”

So what can parents do to help students learn about personal finance? Take advantage of teachable moments, attend events that reinforce financial education principles, and provide resources to help students understand personal finance concepts.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Camp Miss Independent

Camp Fire USA Executive Director/CEO Sandra Rutherford with SCE Federal Credit Union Foundation representative Shay Olivarria at Camp Miss Independent.

Saturday, April 21st was the Second Annual Camp Miss Independent hosted by Camp Fire USA. The SCE Federal Credit Union Foundation supported the event, so Shay Olivarria delivered three 45- minute presentations on personal finance topics including:

Click to visit SCE FCU

Financial Goal Setting (creating S.M.A.R.T. goals)

Paying Yourself First (Emergency Funds and Retirement Accounts)

Understanding Financial Institutions (Credit Unions, Community Banks,and Banks)

Camp Miss Independent is a two-day event at Camp Nawakwa in the San Bernardino mountains. Students come up Friday night and and stay overnight until Sunday morning. Speakers cover personal finance, dressing for success,financial aid, and college life. Students were excited to receive a special offer from SCE FCU.

SCE Federal Credit Union Foundation representative Shay Olivarria facilitates a discussion the difference between credit unions and banks at Camp Miss Independent.

Students really enjoyed Shay’s presentations. They said they learned:

“The difference between banks and credit unions”

“I can start saving money now”

“Start saving around $50 a month and I’ll have lots by the time I’m 30 years old. So save, save, save!”

“Retirement fund and realizing that I NEED to save money if I want to have a comfortable lifestyle”

“Debit cards do not effect your credit”

“Setting short & long term goals …just setting financial goals in general”

“The eye opening information makes me realize that I need to make smarter decisions”

“Saving money but also knowing how to use it”

I had a great time working with the students that attended Camp Miss Independent 2012!

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com.

We’re Too Stupid for Convenience

This morning I read an article about UK-based financial institution Barclay’s bank rolling out yet another way to pay without opening your wallet and pulling out your debit, credit, or store card.

It is one third of the size of a standard credit card, with a sticky reverse side.

It will be sent without charge to customers who request it and will come in addition to their regular credit card.

The credit card provider believes that people should stick it to the back of their mobile phone handset because most adults carry their phone with them at all times. Cardholders may choose to attach it to their wallet or a key ring, instead.

Are we ready for this kind of technology? I don’t think so. Not only do I think we’re not ready, I think that financial institutions know that we’re not ready and that’s why they want us to sign up for stuff like this…. so we’ll blow our money and end up paying fees to them. That sounds kind of conspiracy theory-ish doesn’t it? Well, just because it sounds like that doesn’t mean it’s not the truth.

Originally there was a limit of £10 on wave-and-go purchases. That maximum level now stands at £15 and is set to increase to £20 in June.

This is generally the kind of amount spent on debit cards, rather than credit cards, although Barclaycard is clearly encouraging customers to make more everyday purchases on a credit card.

You know what happens when you walk around with a sticker on your cell phone that lets you charge up to $15 worth of stuff at a time? You buy more crap that you don’t need. Don’t believe me? Barclays’s isn’t the only company looking into this kind of technology. Companies in Silicon Valley have been researching a “mobile wallet”idea for a while. Here are a few choice tidbits from the horse’s mouth:

They really start to salivate at the potential marketing bonanza. Companies developing these services plan on packing loyalty cards, coupon folders, and Groupon-like deal-of-the-day offers right into the digital wallet. Retailers could build comprehensive profiles of their customers, targeting them with additional discounts and come-ons at the checkout terminal or when they’re out and about, in pretty much the same way Amazon and other online retailers track shoppers as they browse the Web.

You know why they offer these deals? Because they know that not only will you make the original purchase, you’ll purchase a few more items because you got a discount. SMH They know what we don’t, that we’re too stupid to make good decisions when faced with “deals” and “convenience”.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com.

Allensworth Juneteenth Celebration

Col. Allensworth created the town of Allensworth, CA. It was a town founded in 1908, with the idea that African Americans could own property, learn, thrive, and live the American Dream. Every year they have several events to celebrate and commemorate this town.

Saturday, June 9th from 10am to 4pm Shay Olivarria of Bigger Than Your Block will attending the Allensworth celebration of Juneteenth in Allensworth, CA. She’s pleased to be presenting a lecture on financial education among Blacks.  The town was founded by Col. Allensworth because he believed that Blacks needed to be financially independent. He envisioned a town with it’s own school, businesses, and a college. The water turned brackish and people left, but the park has been turned into a state park.

Click the photo to visit the park’s page.

Of course it’s a celebration of enslaved Africans finally being made aware that freedom had come, but it’s also a celebration of our survival. As we remember how far we’ve come, it’s important to plan for the future. Working towards owning businesses, increasing our networth, and passing on our wealth to our children has got to become paramount.

The day will include entertainment for all, food, and of course some great speakers. Shay Olivarria will sell copies of her three books on site or buy them beforehand and have her sign them at the event. Either way, come on out and help celebrate the beauty of Black folks in America June 9th in Allensworth, Ca.

Book Shay Olivarria to speak at your event.

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com.

ACS Financial Education Event

 

Shay Olivarria was the keynote at the ACS Financial Education event in New York City April 11, 2011. The event was held at The Children’s Place on 1st Ave and 28th. Everyone had a great time! There were some great vendors at the event:

CheckSpring (community) Bank – They are a local community bank that’s mission is to provide financial services to the local community. They have branches in Brooklyn, Manhattan, and the Bronx.

Department of Consumer Affairs – They have loads of good things going on, but the thing that really stood out was the Safe Start Program. If you can’t open an account at a financial institution because you’re on ChexSystems you might be able through this program. Through the Save USA Program you may also be able to earn $500  for letting your tax  return grow in an approved financial institution.

Henkels & McCoy – They provide job services to 17 to 21 year olds that are not enrolled in school.

IRS – Darrell Weinberg talked about free  services in the city. Did you know you could get your taxes done for free.

SBA – They were on hand to answer any questions about starting a small business. Check them out if you’ve ever considered starting a business.

Candi Sparks was also there. She wrote a book called Can I Have Some Money? (Volume 3) Max Gets It! Pick up your copy for $10 on Amazon.com.

 

Need a speaker for your next financial education event? Book Shay Olivarria! Visit www.BiggerThanYourBlock.com to watch videos, read testimonials, and buy copies of 10 Things  College Students Need to Know About Money, Money Matters: The Get It Done in 1 Minute Workbook, and All My Mistakes.

Free Library of Philadelphia

Shay Olivarria with staff from the Free Library of Philadelphia.

Thursday, April 5, 2012 Shay Olivarria was pleased to present financial education workshop “Creating a Foundation for Wealth” based on her book 10 Things College Students Need to Know About Money to student-workers at the Free Library of Philadelphia. Wow! The students were so much fun! We weren’t able to film because the students were minors, but there are some comments from the evaluation to give you an idea of how the workshop went.

What was the most important thing you learned today?

“Stop being idiot and save some cash!”

“Savings and a bright, ready mind can get you ANYWHERE!”

“How to think critically about money”

“The difference between a bank and a credit union”

“Invest in retirement and have an emergency fund”

“”I learned about small opportunities that make a big difference”

“The most important thing I learned today was how I can start saving now, to benefit my future”

“Avoid fees was the most important thing I learned. The fees can add up and put you in a hole”

“You can buy stock at any age”

“I leaned about saving money and shopping smart”

Book Shay to speak at your event today.

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com.