College Basics for Parents: Helping your kid graduate debt free

Bigger Than Your Block is pleased to announce a new FREE webinar for the parents of college students. Scholarship guru, and mom who used these strategies to get her daughter through undergrad with NO student loan debt, Gwen Richardson, will present College Basics for Parents: Helping your kid graduate debt free with the most dynamic financial education speaker working today, Shay Olivarria.

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In this FREE webinar Gwen Richardson, author of 101 Scholarship Applications: What It Takes to Obtain a Debt-Free Education, and Shay Olivarria, author of 10 Things College Students Need to Know About Money, will help you navigate the money side of undergrad.

The webinar will cover:

  • How to find scholarships to apply to.
  • Strategies to help your student with scholarships.
  • Which two accounts your student needs to open to create financial wealth.
  • Tips and tricks to help your student learn to manage money while in school (in preparation for life).

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Please join us:
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Want to read the books before the webinar? You can order a copy of both for $30 total, including shipping. 10 Things College Students Need to Know About Money sells on Amazon for $15 plus shipping on its own. If I were you, I’d run to get both for $30.
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See you at the webinar!

FREE Workshop: Paying for College

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There have been some changes to the way high school students apply to FAFSA. Families need to know what the changes are, what the important dates not to miss are, and how to get students graduated from college not mired in debt.

Financial education speaker and the author of “10 Things College Students Need to Know About Money” Shay Olivarria will be facilitating a FREE workshop in San Diego, CA to help families figure it all out.

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In this dynamic one hour workshop students and parents will learn about the changes to the FAFSA application, scholarships, student loan types, and repayment options.

Families will leave with a handout of important terms, tips, and dates. Graduating from college is not just about having the grades to get in. It’s about finding a school that’s a good fit, paying for it without going broke, and creating a network to build a career.

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FAQs

What can I bring into the event?

Bring a pen or pencil. This is a workshop (you’ll be engaged) not a lecture.

How can I contact the organizer with any questions?

Call (323) 596-1843

What’s the refund policy?

Early Bird ticket holders will receive a free copy of “10 Things College Students Need to Know About College” at the event. If you don’t show, you don’t get your copy. Books will NOT be shipped.

Do I have to bring my printed ticket to the event?

Yes. Seating is very limited so tickets will be necessary. Showing your ticket on your phone also works (save a tree).

Is it ok if the name on my ticket or registration doesn’t match the person who attends?

Yes. Whoever shows up needs access to a ticket. If you booked a ticket for yourself and now your cousin wants to come instead, that’s fine.

 

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Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: SCE Credit Union, American Airlines Credit Union, the Yorba Linda Water District, Verizon, among others. 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.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

 

 

Virtual Book Launch June 8th

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As you all know, I am ecstatic about the printing of the 2nd edition of 10 Things College Students Need to Know about Money! I’m so excited that for the first time ever I’m hosting a virtual book launch on Facebook. What is a virtual book launch you ask? Good question.  *wink*

A virtual book launch is an opportunity for you to ask me about the book, win some cool gifts and score an AMAZING discount on the book. I’m so excited.

Sign up to receive my emails and get another gift.

Subscribe to our mailing list

See you Wednesday, June 8th between 6:30pm and 8:30pm Pacific Standard Time.

Economic Summit and Student Leadership Conference – Las Vegas

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The Economic Summit and Student Leadership Conference was held in Las Vegas at the College of Southern Nevada – Cheyenne Campus on Saturday, December 13th. Shay Olivarria, financial education speaker and author, spoke to three sessions of students and parents while representing the Center for Financial Empowerment in Irwindale, CA.

Topics covered included credit scoring, credit monitoring, credit cards, ROI and the differences between traditional banks and credit unions. Each presentation was about 50 minutes long and included PowerPoint, videos and large group discussion. The teens (both high school and college students) and parents were very vocal and were genuinely interested in in sharing what they knew and learning more about the topics.

The event was well attended and very well run. Perhaps Shay will be back in 2015.

4th Annual STOP THE PAIN Teen Summit, Nov. 15th

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Guess where financial educations speaker and author Shay Olivarria will be Saturday, November 15th? Speaking at the 4th Annual STOP THE PAIN Summit at CSU Dominguez Hills! I’ll be there representing South LA Saves. Register now and I’ll see you on Saturday!

 

The Positive Results Corporation Invites You To

STOP THE PAIN,

Teen Summit on Dating Violence, Sex Trafficking & Bully Prevention

Saturday, Nov. 15, 8:30am to 4:00 pm

California State University @ Dominguez Hills,

Loker Student Union

1000 East Victoria Street

Carson, CA 90747

 

Ages 10 – 25, Parents & Guardians Invited

Free Community Event

Receive 10 Community Service Hrs.

Continental Breakfast, Lunch & Gift Bag

Register @ https://stopthepain4thannual.eventbrite.com

 

Workshops include: (But not limited to)

Dating Violence Awareness                Healthy Relationships

Bully Prevention           Sex Trafficking Awareness
College Readiness                           Financial Literacy
Self Defense Training for Females
HIV / AIDS Awareness                        Raising Healthy Babies
Sex In The Media          Man Up, What It Means To Be A Man

Recognizing The Signs – The Tragedy of Youth Suicide

 

Workshops & Exhibitor Tables in English and Spanish

Workshops for Men, Women, Youth and (TAY)

Transitional Aged Youth workshop series…What Now!

 

Contact

Kandee Lewis (kandeele@aol.com) or info@prc123.com

To Sponsor Summit, Become an Exhibitor, or Provide Donations for Gift Bag or Information

All Donations ARE Tax Deductible!

Ambassador for The Passport Party Project

The reason that I named my company Bigger Than Your Block is because I believe that people should travel and see the world. Towards that end, I’ve become an Ambassador for The Passport Party Project. That means that I will be helping spread the word about the great work that The Passport Party Project does in helping girls get their first passport and go on their first international trip!

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Find out more about The Passport Party Project by visiting the website and liking the Facebook page.

 

Mad City Money – Boyle Heights

The Center for Financial Empowerment teamed up with local organizations in Boyle Heights to host Mad City Money reality fair Saturday, June 21st. As it happens, it was the weekend before the new SCE Credit Union branch re-opened in Boyle Heights! Whoo hoo!

Students listen to financial education speaker Shay Olivarria as they prepare to take part in the Mad City Money reality fair in Boyle Heights.

Students listen to financial education speaker Shay Olivarria as they prepare to take part in the Mad City Money reality fair in Boyle Heights.

Students getting materials for Mad City Money reality fair in Boyle Heights.

Students getting materials for Mad City Money reality fair in Boyle Heights.

Volunteers from SCE Credit Union.

Volunteers from SCE Credit Union.

Mad City Money – Duarte HS

Had a great time working with SCE Credit Union and the Financial Empowerment Center at today’s Mad City Money event!

Shout out to the BPHS students that volunteered as well!

Rep. Grace Napolitano (in green http://napolitano.house.gov/ ) attended the Mad City Money reality fair today at Duarte HS. Principle Robin Nelson (in I heart DHS shirt) presided over today's event.

Rep. Grace Napolitano (in green http://napolitano.house.gov/ ) attended the Mad City Money reality fair today at Duarte HS. Principle Robin Nelson (in I heart DHS shirt) presided over today’s event.

 

Center fro Financial Empowerment Manager Abby Ulm helping students during Mad City Money reality fair at Duarte HS.

Center fro Financial Empowerment Manager Abby Ulm helping students during Mad City Money reality fair at Duarte HS.

 

The crew from SCE Credit Union getting ready for action at the Mad City Money reality fair.

The crew from SCE Credit Union getting ready for action at the Mad City Money reality fair.

Adelante Mujer Latina 2014

Financial education speaker Shay Olivarria taking a break from speaking during the Adelante Mujer Latina Conference at Pasadena City College.

Financial education speaker Shay Olivarria taking a break from speaking during the Adelante Mujer Latina Conference at Pasadena City College.

This is the second year that I have volunteered at the Adelante Mujer Latina Conference at Pasadena City College. I enjoy it a little more each time.

Can you tell that Shay LOVES her work! #FinancialEducation #Conference #Goodtimes

Can you tell that Shay LOVES her work! #FinancialEducation #Conference #Goodtimes

I can’t wait to see what next year brings!

 

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

Latino Author Summit 2014

This year that Latino Author Summit was held at CSU San Bernardino. There were authors, there were activities for the kidlets, there was singing, there was dancing and there were plenty of workshops.

Financial education speaker and author Shay Olivarria speaks during the panel on financial education for Latino youth.

Financial education speaker and author Shay Olivarria speaks during the panel on financial education for Latino youth.

The panelists pose for a photo at the Latino Author Summit.

The panelists pose for a photo at the Latino Author Summit.

Adelante Mujer Latina 2014

It’s official!

The most dynamic financial education speaker working today, Shay Olivarria, is slotted to speak at Adelante Mujer Latina 2014!

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The conference will be held at Pasadena City College Saturday, May 17th.  

Workshops presented by Latina professionals on education, careers, financial aid and personal development.

Keynote Speakers representing California’s influential Latinas

Representatives from colleges, universities, community organizations, corporate and government employers

Spanish language workshops designed for mothers 

Registration fee — includes continental breakfast, lunch, and conference materials

Last year’s students loved Shay’s presentation:

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Register your students at AdelanteMujerLatina.org.

 

10 Things Students Need to Know About Money Shay OlivarriaShay 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

 

Helping a Parent With Personal Finance

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It’s inevitable that at some point your parents may need your help paying bills, managing real estate, monitoring insurance, creating a living trust or some other financial piece that you were not helping with before. In some cases a parent will ask for help. In other cases you may have to bring it up first.

Help or Coup?

If you notice that your loved one(s) are having trouble keeping up with their finances, don’t barge in and take over. Your parent(s) are adults with a host of experiences and education behind them. It’s understandable that they might see your involvement as an intrusion.

If you think that your parent(s) may require your help, talk with them about it. Do they think that they need help? If so, what kind of help would they like? The goal is to help your parent(s) in whatever way they might need, not to barge into their lives and make them feel like children.

Some helpful websites:

Medication Donut Hole – If you have Medicare Part D, you may be at risk of falling into the coverage gap, or “doughnut hole.” Follow this four-step tool and save money!

AARP Quicklink – Need financial help for a parent or grandparent, but not sure where to begin?

Social Security Estimator – Find out how much money your parent will be able get from Social Security with this easy calculator.

Medicare – Have questions about Medicare coverage?

National Foundation for Credit Counseling  – Need help paying off a parent’s debt?

Federal Trade Commission – What to do when parent(s) are scammed.

Consumer Financial Protection Bureau – Report financial fraud. Get help!

AARP Tax Help – Tax preparation for low income seniors.

Tips for helping a parent with personal finances:

  • Make a list of everything that needs to be monitored (primary home, rental property, vehicles, checking and saving accounts, investment accounts, pensions, valuable personal property and any items in a safe deposit box.
  • Keep their assets separate from yours.
  • Keep clear records of everything that you’re doing.
  • Include all stakeholders in the information loop.
  • Consider hiring professionals to help. Ex: accountant, financial advisor, insurance agent, etc.

 

Remember, you’re there to help your parent(s) in whatever way that you can. Let them lead the conversation but pay attention to their behaviors.

Good luck!

 

Invest for Retirement NOW

broke“Twenty-one percent of those surveyed who have not retired have saved nothing for retirement and 44 percent have saved less than 10 percent of their salary.”

This quote is from Financial Advisor Magazine talking about a survey done by TIAA-CREF. How do people think that they are going to live in retirement? Do they plan on retiring?

Regardless of how old you are, it’s better to have something rather than nothing. Take a look at how much the Social Security Administration will pay you in retirement and you tell me if you can afford NOT to invest an extra $50 per month in your 401k, 403b or IRA.

Let’s take a look at the numbers, shall we?

Start Investing  Per Month  % Return   Value at 67

18                      $50                      9%          $536,841.50

21                     $50                      9%         $408,642.74

30                     $50                      9%         $178,618.62

40                     $50                      9%         $68,888.51

50                      $50                       9%         $24,125.50

It’s pretty simple:

  • If you have a 401k or 403b at your job you probably have a match. Investing a few dollars every pay period lowers your tax base (instead of paying Uncle Sam you invest in yourself) and your company will contribute a few coins to every dollar you invest. Start early. Invest often. Check and see how much contributing $50 or $100 each pay period will change your take home pay. There won’t be much change in how your check looks every two weeks, but it could change how your retirement looks.
  • If you don’t have access to a 401k or 403b then open an Individual Retirement Account (IRA) at a brokerage house that you trust. You have to fill out a two page application and send over a voided out check. You can open many accounts by promising to contribute at least $50 per month. That $600 per year could grow into 5 or 6 figures using compound interest. Start early. Invest often.

If you are thinking about investing and you’re not sure where to start:

  • If you are a member of a credit union: contact Balance for FREE help.
  • If you have an Employee Assistance Program (EAP) at your job: contact the EAP for FREE help.
  • If you do not have access to these: find a fee-only financial advisor for help.

You can create the life you want.

You are powerful.

Go get it.

PEACE,

Shay

Order Money Matters on Amazon.com

Order Money Matters on Amazon.com

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

Start Small Think Big Conference

Shay at the Start Small Think Big Conference in Los Angeles.

Shay at the Start Small Think Big Conference in Los Angeles.

Guess what I did yesterday? I presented at the Start Small Think Big Conference in Los Angeles! I was fortunate to work with South LA Saves and a host of other wonderful non-profits, businesses and organizations to provide financial education to the south Los Angeles community.

Speakers included:

Dawnneisha Smith from the Los Angeles County Department of Consumer Affairs

Shay Olivarria of Bigger Than Your Block

Deborah Perez of New York Life

Martha Maldonado of  California Credit Union

Deborah Der of Edward Jones

Wilson Lee, a certified financial planner

The event was hosted by Zaneta Smith.

Besides speakers there were informational tables and the winners from the poster contest were announced!

Students were instructed to draw a photo about being a super saver.

Students were instructed to draw a photo about being a super saver.

Each winner received a recognition award, a monetary prize and a piggy bank (provided by Bigger Than Your Block) with separate compartments for saving, investing, spending and charity.

The winners of the poster contest at the Start Small Think Big Conference from South LA Saves.

The winners of the poster contest at the Start Small Think Big Conference from South LA Saves.

 

Disclosure: Bigger Than Your Block is a South LA Saves partner.

 

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