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The Women’s Bureau Presents
featuring
Wi$e Up Take OffDESTINATION: FINANCIAL SUCCESS
FR IDAY MARCH 13, 2009Time: 8:30 AM to 4:30 PMThe Hiller Aviation MuseumSan Carlos, CA
*Brought to you by:
*This event is conducted under a contract with the U.S. Department of Labor, Women’s Bureau.
Connect. Commit. Change.
circlecommunications.com(650) 991-5697 [email protected]
WE’REEXCITED TO
PRESENT
Starring the FBLA Studentsof Westmoor High School
We would like to thank the following contributors:
ERIC MISA|EVENT STUDIOSVideo Production
RUSSELL RAMOSDirecting and Script Writing
SERRAMONTE SHOPPING CENTERProviding video-shoot venue
ISLAND JAVAProviding video-shoot venue
FBLA STUDENTS OF WESTMOOR H.S.
CIRCLE COMMUNICATIONS TEAM
Additional ActorCHRISTOPHER CHEW
VIDEO PROJECTG GREEN
THE
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Letter from Leila Perreras 2
Circle Team and Special Thanks 3
Schedule 4
About Karen Habegger 7
About our Veronica Dangerfield 8
About Wi$e Up 9
Speakers �0
Green Tips �4
Panelists �7
Breakout Panelists 2�
Book List 22
Financial & Green Resources 23
Advertisers 24
Notes Pages 28
Table Vendors 32
Dollars & Sense Article 33
College Partners 34
Sponsor Page 35
Program Contents
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To Our Dear Guests:
We want to send a big THANK YOU for taking the time and effort to attend this conference. We appreciate the time and effort you made to come here, especially at a time when our economy is going through a deep recession. This event is indeed special, because we set the example of “living within our means” in order to keep the cost of admission affordable for our attendees. We relied on our creativity to work with the resources we had. We are thankful for all the support we received from our sponsors, local businesses, and volunteers. Producing this event was truly a labor of love by the community. We hope that you find your time with us valuable, so that you will come away with a new perspective of hope, support, and empowerment.
In collaboration with the US Department of Labor, Women’s Bureau, Circle Com-munications is proud to produce this financial literacy event for women. We believe that when there is crisis, there is an opportunity to build a better future through knowledge, access to valuable resources, and courage. �7 months ago when the recession began, no one could predict the magnitude that the housing and financial crisis would have on our economy. The subsequent loss of jobs, property, savings, and investments has contributed to the overall lack of confidence about our future. However, we must understand that as painful this recession is, this too will pass, and the speed of our individual financial recover-ies will depend on the steps each of us take to secure our financial present and future.
Today, we are proud to present a day full of knowledge from our excellent choices of presenters. The goal is to provide you with resources and positive energy so that you can leave today ready to embrace what lies ahead for you in the future.
We ask you all to CONNECT with one another, COMMIT to changing your strug-gles into successes, and welcome a sense of CHANGE that will improve your lives.
Sincerely,
Leila PerrerasPresidentCircle Communications, LLC
Welcome!
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Leila Perreras President Andy WongCreative Director
AJ TitongMarketing Intern
Rick LoeperGraphic Designer
Herbert LumGraphic Designer
Christopher ChewMarketing Intern Russell RamosDirector, Sales
Nancy KellyDirector, Community Relations
Nora ImageMarketing Associate
Conrad PerrerasChief Operating Officer
Felicia DeGuzman Director, Events
Rocky LiwanagMarketing Specialist
Nicole PiverGraphic Designer
Ken QuachGraphic Designer
Fernando SucgangWeb Programmer
Brad Sides,Director, Business Development
Pat BlackDirector, Community Relations
Cheri MonroeDirector, Marketing
Circle Team & Special Thanks
Special Thanks
Special Thanks to:
Tiffany Vurek, Jonathan Cano, DJ Smith, Cherie Napier, Cassie Schindler, FBLA, Eric Misa with Events Studio, NSB Productions, Women’s Initiative, Theresa Dwyer, JaJa Bolivar, Ron Visconti, Hal Kataoka, Myra Alcaide, Roxana Griggs, Darlene Johnson, all our volunteers, sponsors, speakers, panelists, and attendees, and our many friends whose name we forgot to mention, you are in our hearts and most of all thanks and praise to God!
We are more than a marketing company that designs logos, brochures, websites, and plans events. We are a group of people that are passionate about helping others in our community by putting together our talents. We work hard but play harder. We are always looking for talented people with strong work ethics that are not afraid to do a little of everything. Contact us at [email protected] for more information.
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Schedule
7:45 a.m. Registration Desk Opens
7:45-8:30 Continental Breakfast
8:30-8:45 Welcome!
8:45-9:00 Marilyn Abedin, Borel Financial “Learn how money affects our emotional IQ” The unconscious beliefs we have about money, financial success, and life views determine how our lives function and our financial affairs develop. Do we cre-ate goals, set lofty expectations, and dare to dream imaginatively? Or do we let our “defaults” dictate them all? Here’s the good news: We can learn to con-trol the quality of our lives by consciously choosing thoughts, words, and deeds to manifest wealth, success, and well being.
9:05-�0:25 Panel Discussion “Our current economy and its IMPACT!” Panelists: Alex Lehr, Lehr Real Estate Michelle Droz, Woodruff Sawyer Tom McGraw, First National Bank of Northern California
�0:25-�0:55 Networking/Exhibit Tables
��:00-��:30 Tara Fowler, Merrill Lynch “Organizing Your Financial Life”With the volatility in the market today, never has it been more critical to gain control of your finances. This workshop is one of Tara’s favorites as it provides participants with an actionable plan. Everything we do tends to either create documents or the need to find them. Knowing where your important paper-work is located is critical to your financial success, your emergency prepared-ness and your overall well-being. Whether it was your New Year’s resolution or simply an item on your “to do” list, most of us feel the call to get organized. This session will supply collateral and tools to assist you with your quest.
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��:30-�2:00 Kai Deering, PrePaid Legal “Identity Theft: What you don’t know can COST you!”Learn the five areas of identity theft, legislation, prevention safeguards and so-lutions. Arm yourself with valuable information so you can protect yourself
�2:25-�2:45 LUNCH PRESENTATION VeronicaDangerfield,PatelcoCreditUnion “FinancialInfidelity:Anaffairwithmoney!”Financial infidelity is the #1 problem in relationships. Secret credit cards, binge shop-ping, revenge spending, financial power plays, and hidden bank accounts are just a few examples of how money can be used to harm a relationship. Veronica was inspired by the book “Financial Infidelity” by Dr. Bonnie Eaker Weil and during her lunch presentation will share valuable tips and advice to help us cope with this “dirty little secret” that most women tend to share.
�2:45-�:05 Networking/Exhibit Tables �:05-�:30 Video Presentation by FBLA students of Westmoor High Valeria Miranda-Delang, Creative Sustainable Solutions “How being green gives you more GREEN”How can you save money and the planet without super hero powers? Valeria will help you add a few smart tools to your utility belt so you can proudly save the planet one purchase (or savings) at a time.
�:30-3:00 Breakouts (Each group for Gen X, Gen Y, & Baby Boomer women will breakout for an hour and a half to hear a panel of experts speak on retirement planning, the job market, how to budget, how to pay for college, and other topics relevant to these groups and the current phases of their lives.)
Gen X Panelists (30 – 43 years): Tara Fowler, Merrill Lynch Heather Volante, Estate Planning Michelle Droz, Woodruff Sawyer Emily Peters, Credit.com
Gen Y Panelists (�7 – 29 years): Viva Chan, New York Life Karen Chadwick, College of San Mateo Veronica Dangerfield, Patelco Credit Union Zubin Koshy, Robert Half International
Schedule
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Baby Boomers Panelists (44 – �3+ years): Marilyn Abedin, Borel Financial Kimberly Doss, Key Placements Sarah Scholz, Wells Fargo Lisa Hatar, Wells Fargo Patty Mendoza, Wells Fargo
3:00-3:40 KEYNOTE speaker, Karen Habegger “You hold the keys to opportunities”So much of our success in life depends on our mindset, not always our skill level. It really is a choice of how we show up in the world. Opportunities are all around us. Karen will give us some insight on how we can create situations opposed to “reacting” to them. Where there is crisis, there is opportunity… an opportunity to re-invent ourselves.
3:40-4:00 Emily Davidson, Credit.com “Credit Myth Busters”Does checking your credit hurt your credit score? Can you have too many credit cards? Does closing old accounts help your credit score? Get straight answers to your credit questions directly from a former credit bureau insider! Bust com-mon credit myths and learn the real truth about how to maximize your credit.
4:00-4:20 Exhibit Tables 4:20-4:30 Surveys,Raffles,Close
4:30-5:00 Networking
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Speakers
Karen HabeggerKeynote Speaker
Karen Habegger’s dream became reality when she founded Rev-el (a coaching and training firm) after several years of leading human resources efforts in the corporate world. She coaches ac-complished women who are stressed and depleted; helping them achieve success with ease. She specializes in making visions come alive. Karen considers it a privilege to be a catalyst for change in women’s lives. Revel’s definition is “to take great satisfaction or delight”, which is her life’s goal and her wish for her clients.
Karen’s background includes training roles at Gap Inc, Wells Fargo, Gensler, and Decker Communications. She has been a featured guest speaker at various organizations, such as Stanford Business School, the College of Notre Dame, Northern California Human Resources Association and KFAX Radio.
Karen’s deepest passion is encouraging women to believe that anything is possible. She believes in empowering people to reach new levels of personal and professional growth. She has been called dynamic, caring, and inspirational. Her style is fun and re-sults-oriented (just ask her clients!).
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Speakers
Veronica DangerfieldLunchtime Speaker
Veronica Dangerfield is an award-winning speaker, trainer, co-median, and performance artist who performing throughout the Bay Area since �994. She has appeared as emcee for the an-nually televised “Unsung Heroes” program for the San Francisco Public Library. She has taught courses in Financial Literacy, Living a No Excuse Life, and Positively Positive, a course on overcom-ing life problems for over �5 years. She has taught Financial Lit-eracy to students at San Francisco State, Cal State East Bay and throughout the Mt. Diablo School District. Veronica has written, directed, produced, and performed in her own autobiographic play entitled “Unidentified,” the story of her childhood growing up in Japan. She has a Bachelors degree in Communications from Sacramento State University and she has studied the psy-chology of performance for 20 years. She is the founder of Com-edy for Community, a showcase that provides family comedy to raise funds for nonprofit organizations. Comedy for Community has raised money for PACE, the Bay Area Crisis Nursery, and Blind Babies. Veronica’s mission in life is to empower, uplift, and en-courage people on their quest towards a greater vision of them-selves to manifest their dreams.
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Speakers
Jenny ErwinJenny L. Erwin has been the Regional Administration of the Women’s Bureau, U. S. Department of Labor, region 9 in San Francisco since January �999. She is responsible for a regional office that collaborates with community-based organizations, businesses, government agencies and others to develop programs that impact working women in Arizona, California, Nevada, Guam and Ha-waii. For the past three years, her responsibilities also in-cluded Alaska, Idaho, Oregon and Washington.
Since joining the Women’s Bureau, Jenny has worked on a variety of initiatives that help women obtain better jobs, better earnings and a better living. Her work has been focused on financial literacy, women’s leader-ship forums and efforts to expand workplace flexibility. She was regional team leader of the Las Mujeres y el Dinero, National Hispanic Financial Literacy Project that provided educational programs in �0 states to more than 4000 women. She also served as regional team leader of a three year Women’s Leadership Fo-rum project that involved listening sessions in all 50 states and Puerto Rico which impacted more than �000 community women leaders. Currently she is working on a special project in Flagstaff, AZ to expand financial literary to Native Ameri-can Women in rural settings through outreach, education, and public service announcements on Native Public radio stations.
In March of 2002 the San Jose Mercury News and The Woman’s Fund Sili-con Valley recognized her as a Women of Achievement in Labor. She re-ceived Secretary of Labor Exceptional Achievement Awards for her work on Native American WI$E Up, Workplace Flexibility, Financial Security and Re-tirement and Migrant Farm Workers programs. A native of Maryville, Ten-nessee, she has a B.S. in Elementary Education, a Masters in Guidance and Counseling and post graduate work in educational administration includ-ing a study tour of career development in Norway, Denmark and England.
About Wi$eUp: The U.S. Department of Labor, Women’s Bureau’s Wi$eUp demonstration project is dedicated to helping consumers reduce debt and increase savings and investments.
It is targeted for Generations X and Y women and consists of the following three components: a curriculum for both online and classroom settings; an “Ask the Experts” feature in which financial expert volunteers answer participant questions via e-mail; and bimonthly teleconference calls. These calls address topics from the curriculum and can be accessed from a toll-free number on the last business day of every month at 2:00 p.m. EST. Audio, word, and .pdf versions of past calls are available on the Wi$eUp website, as well as the entire curriculum and the “Ask the Experts” feature at www.wiseupwomen.org.
The Wi$eUp curriculum was developed by Texas AgriLife Extension Service under contract with the Women’s Bureau.
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Marilyn AbedinFor many years Marilyn Abedin and her husband, Vince Cirigliano, have been successful in steering Borel Financial, Inc., their “by referrals only” profes-sional and commercial mortgage brokerage com-pany, to new heights of service. Marilyn, however, is unlike other strategic mortgage planners everyone is familiar with. While the typical goal is to transact the contract, Marilyn’s focus is on how one gets there – i.e., the all important building of trust-based relationships. Because of this, she enjoys considerable repeat business.
Marilyn educates her clients. She knows that the right information allays anxiet-ies and promotes sound decisions. Over the years she discovered a surprising pattern of behavior: unhealthy habits in otherwise successful clients character-ized by financial disruptions and personal beliefs that limit success. Driven by a belief that everyone should live happy and fulfilling lives, Marilyn began to identify ways to foster her clients’ pursuit of life goals as well as their sometimes audacious dreams. In doing so, she has happily had what some describe as “uncanny” success.
Given that Marilyn’s most powerful motivator is watching her clients flourish, it comes as no surprise that she has now taken her experience in finance, com-munication, technology, and problem solving gained from her many years in the mortgage world, coupled it with a 35 year healthcare career in Radiology, and became an advisor for the creation of financial health and wealth. In this capacity she is now able to focus her energies daily towards maximizing poten-tials in both her own and her clients’ lives.
A native San Franciscan, Marilyn holds a BS, Biological Science, San Francisco State University. She has also completed two years study in a Health Science Masters Program.
Speakers
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Speakers
Tara Fowler
Tara Fowler, CFP, CRPC, is a Financial Advisor with
Merrill Lynch. Tara will lead a general session dis-
cussion on “Organizing Your Financial Life.” This
take charge section provides actionable tools and
guidelines to help us control what we can in this
volatile environment. The added benefits of docu-
ment organization allow for full portfolio review and
analysis, emergency preparedness and smooth es-
tate transitioning. Tara will also participate in a panel exchange for the Gen X
breakout session.
Tara graduated from Santa Clara University with a Bachelor of Science in Mar-
keting from the Leavey School of Business. She earned her CERTIFIED FINANCIAL
PLANNER and Chartered Retirement Planning Counselor designation through
the Certified Financial Board of Standards. A fourth generation Bay-Area Cali-
fornian and mother of two girls, Tara is an active school and civic volunteer.
A sports enthusiast, she enjoys recreation and the outdoors and applies the
same disciplined approach to physical fitness as she does to fiscal fitness. Tara
is passionate about client education and communication. Together with spe-
cialists in different areas of expertise, she offers clients a comprehensive range
of services including portfolio management, retirement planning, stock option
analysis, life insurance analysis and funding, lending and a full complement of
wealth preservation and transfer services.
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Speakers
Kai Deering
Kai Deering is the Executive Director and Regional Manager for the Greater Peninsula & Silicon Valley for Pre-Paid Legal Services, Inc. She is a highly quali-fied speaker on the subject of Identity Theft. Her
qualifications include the following:
• Certified Identity Theft Risk Management Specialist
• Small Business, Affirmative Defense Response System,
Risk Management and Comprehensive Group Specialist
• Identity Theft Advocate and educator for many industries (partial list):
• Santa Clara Police Department’s Citizens Police Academy
• Santa Clara County Association of Realtors
• Palo Alto Real Estate Association
• San Mateo Public Library
• San Jose/Silicon Valley, Santa Clara & Sunnyvale Valley
Chamber of Commerce(s)
• Rockefeller Group Business Center
Kai was featured in Gentry Magazine and numerous publications and was interviewed on the San Jose television show, Real Estate Weekly. Kai was a for-mer Licensed California Life Insurance Agent. She is on the Board of Directors for Crime Stopper and is one of the founding mid-peninsula eWomen chapter
members.
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Emily Peters Emily is a personal finance expert with Credit.com and a former credit bureau insider. Her areas of ex-pertise include credit cards, credit scores, debt is-sues, loans, identity theft and savings. Emily comes to Credit.com from a background in consumer education with the credit bureau, TransUnion. Through her industry experience, Emily learned the inner workings of the credit system. She now applies this knowledge to promote financial literacy with Credit.com.
As a personal finance expert, Emily has been quoted by USA Today, the Los Angeles Times, Newsweek, Bankrate, Kiplinger’s Personal Finance, American Banker, Smart Money, the Associated Press, the Washington Post, CBS News and the Wall Street Journal. She also regularly provides commentary to Fox News and Fox Business News.
Emily coordinates Credit.com’s team of experts; serving as editor for CreditBlog-gers.com and the Credit Expert team on Twitter. She specializes in working with consumers to answer credit questions and interpreting news headlines from a personal finance perspective.
Emily has presented live financial empowerment seminars at Money Wi$e Wom-en, the YWCA Women & Money Conference and Dress for Success.
She holds a B.A. in Communication from University of the Pacific. Emily went by the last name “Davidson” before September 2008
Speakers
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Speakers
Valeria Miranda Valéria Miranda works with individuals and organi-
zations in the Monterey and San Francisco Bay Ar-
eas on sustainable growth and green living, as well
as strategic planning, group facilitation, curriculum
design, and exhibition development. She is currently
pursuing an MBA in Sustainable Management at
Presidio School of Management in San Francisco.
How Being Green Gives You More Green!
How can you save money and the planet without super hero powers? Valéria
Miranda will help you add a few smart tools to your utility belt so you can proud-
ly save the planet one purchase (or savings) at a time.
How Being Green Gives You More Green! $$$
In tough economic times, simple living has become a fad even the rich are fol-lowing. Research shows a direct correlation between living simply, being green and how those two concepts can save you money. The ten tips below, taken from the Dumb Little Man: Tips for Life website explains the efficiency in saving money by living simply and being green.
�. Cook at home often: If both the husband and wife work, this is likely to be very difficult. Start out with the habit of cooking at home once a week and slowly increase the frequency until you find a balance between saving money and getting stressed out.
Circle’s note: By supporting local grocery stores and farmer’s markets you contribute to the green movement by saving oil and emitted CO2 on items being sent to you.
2. Make your own coffee: Everyone seems to have heard of the latte factor. Even though the author may have overestimated the savings from skipping a latte at Starbucks, don’t underestimate the ding it puts in your pocket in the long run. You don’t have to entirely ban drinking coffee, but skip it as often as possible unless you make it at home.
Circle’s note: The tops on coffee cups cannot be recycled.
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3. Brown bag lunch at least a few days a week: Lunch times are great oppor-tunities to network and make connections that could improve your career growth. So unless there is a common eating area for brown baggers, you may choose to limit brown bagging lunch to three days each week. Find a balance between saving some money and making the connection.
Circle’s note: If you often eat out, put into consideration how much time it takes to travel from one restaurant to another the next day and calculate how much gas you have used.
4. Make a list before going shopping: They call it impulse buying for a reason. Humans simply have a very tough time resisting the temptation to pur-chase extras while shopping. Without a list you will buy items that you sim-ply do not need. Even worse is when your forget to purchase the actual item you came to the store for in the first place. If you plan on cooking at home, pre-plan a rough menu and make a list before you go grocery shopping. Getting all that you need in one trip can help avoid another un-necessary trip and temptation.
Circle’s note: People tend to spend on items they don’t necessarily need. When making your list put into consideration what kind of items you can get that are environmentally safe like eco friendly light bulbs.
5. Use grocery store bags to line trash cans: This may not work if you use a massive trash can but we use a small sized one for which the grocery bags are a perfect fit. This not only helps us save some money, but reduces our environmental foot print and avoids the kitchen from stinking from a huge overflowing trash can.
Circle’s note: Nowadays people bring their own shopping bags to the grocery stores. Just remember not all plastic bags can be recycled!
�. Instead of buying books, borrow books from the library: Whenever pos-sible, borrow your books instead of buying them. The card to your public library is free and the libraries are generally well stocked.
7. If you have to buy books, check if you can buy it used: Used books do not quite give the same feeling as leafing through the crisp pages of a brand new book. But considering that you can get used books for almost as much as half the price of a new book, it is a small price to pay. For text books, look online on bulletin boards, mailing lists etc, and price compare on websites like www.addall.com.
Green Tips
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Green Tips
8. Bottle your own water: Drinking water is good for your health. I always make it a habit to keep some at my desk at all times. Bottled water is the most convenient since it can provide protection against accidental spills. That said, buy bottled water only once in a while, and then reuse that bottle to fill your own water. If you are not happy with tap water, invest in a Brita Filter – in the long run it can save a lot of money.
9. Ride your bike or carpool whenever possible: In many of the cities in the US it is hard to get by without a car. That said, just because you have a car does not mean you have to use it every day. Whenever possible, ride your bike or share a ride with a colleague or spouse and save both on gas and reduce the environmental footprint.
�0. Regulate your electric use: When not in use, unplug electric appliances. Apparently, unplugging the TV instead of just switching it off can save a lot of electricity! When not in a room, switch off the lights and the fan. Use a programmable thermostat to control your A/C and heater usage. If that’s too much, at least know what each appliance uses and unplug a few of them.
Things you cannot recycle:
• Styrofoam and packaging supplies• Gift wrapping paper• Pizza boxes and take-out food boxes or frozen food boxes• Plastic credit cards• Plastic hangers• Plastic bags• Plastic bottle caps• Soy milk cartons• Mirrors• Shredded paper• Shower curtains and liners• Deodorant sticks• Plastic lids• Wipes and sponges• Broken glass• Mobile phones• Ink cartridges
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Panelists
Alex LehrLehr Real Estate started in �97� when Alex Lehr Sr. started the firm. He has built traditional strengths in the company while expanding customer services to meet the diverse and ever-changing needs of the client. Now, Alex Jr. is carrying on the tradition with over 23 years of experience in the real estate industry selling over �000 homes. He is a respected speaker for Chan-nel 5, has been recognized as one of the Top �0 bro-kers in San Mateo County, and has won many awards including Platinum and Gold for SAMCAR (San Mateo County Association of Realtors). Lehr Real Estate is a full-service independent commercial & residen-tial real estate brokerage firm with expertise in all aspects of real estate transac-tions throughout the Bay Area. Alex’s agents are Home Retention Consultants (HRC) hired by Titanium Solutions to help homeowners re-negotiate loans, and understand options available to avoid foreclosure.
Tom McGrawTom McGraw has served as the CEO of First National Bank of Northern California since 2002. He has been a member of the Board of Directors and Secretary of the Board since 1987. Tom was appointed to the Board of Directors of Pacific Coast Bankers’ Bank in 2005. His preparation for this significant responsibility consisted of a Master’s Degree in Social Work, working ten years with the developmentally disabled, 20 years experi-ence as a public affairs radio host, television host, actor in movies, commercials, video training films, voice over announcer and as a spokesperson for hi-tech and medical companies. He is living proof that God has a sense of humor!
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Panelists
Michelle DrozMichelle Droz, Account Executive, Employee Benefits – With more than �5 years of experience in the industry, Michelle brings to her role extensive knowledge of bene-fits program management the health insurance market. Michelle served at brokerage firm Johnson & Dugan for eight years, where she began as a senior account man-ager and was later promoted to account executive. In addition to new business development, her combined experience there included assisting clients to select and build their benefits pack-ages, communicating benefit recommendations to employers, preparing market and renewal analyses, negotiating renewals and assisting with overall benefits administration. Michelle has also worked on the carrier side, first at Metropolitan Life as a medical underwriter and then at United Healthcare as a senior renewal representative, a financial underwriter/supervisor, and then an account consultant with Prudential. Michelle is the founder of her own insurance agency, where she achieved an average annual sales growth of 40%. She managed a book of busi-ness covering long-term care, individual disability and life insurance before joining Woodruff-Sawyer in 2008. Michelle is a licensed Life Agent and is certified by the California Partnership for Long-Term Care.
Heather VolanteAttorney Heather Volante delights in helping clients preserve their hard-earned assets and take care of family members through thoughtful estate planning. Her strategic insight as a trust and probate litigator helps you to address the avoidable costs to your fam-ily – both financial and emotional! She has been a Cal-ifornia Bar member since �995 and has a broad busi-ness litigation background which provides an excellent platform from which to advise you as to your affairs.
Heather also loves walking out her calling to serve others through both inter-national and domestic missions work - and invites you to ask her about her life-changing experiences through service in South Africa, India, Israel and the San Francisco Bay area.
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Panelists
Viva ChanViva Chan is a self-described “reformed word nerd,” who has learned to make peace with crunching numbers as part of her worklife. After a decade as a writer for vari-ous media, Viva switched careers into financial services through the support of industry leader New York Life. Viva gained a healthy respect for financial planning, the mag-ic of compounding interest and other time-tested strate-gies to protect one’s financial well being, as an Agent with the ��5-year old mutual company. Whenever she can, Viva jumps at the chance to share up-to-the minute ideas and relevant economic news with her clients whom she serves with the longview in mind. She is convinced women more than ever need to cozy up to their financial lives and get proactive by learning skills to thrive, and not just survive, whether we are in a bear or bull market.
Karen ChadwickName: Karen Chadwick
Title: Financial Aid Technician
Responsibilities: Processing Financial Aid applications and documents/Federal Work-Study
Years at CSM: Since 2008
Years at San Mateo County Community College District: �� years
Education: Bachelor’s degree, Business, San Francisco State University
Other Interests: Spending time with my family and friends, going to SF Giants and 49er games, and playing Wii
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Panelists
Tiffany VurekTiffany Vurek, graduated with a degree in Criminal Jus-tice from San Francisco State University. She worked in the Financial Industry for 5 years and has dealt with all types of customers ranging from those in bad financial shape, living paycheck-to-paycheck, to those with plenty of disposable income. Tiffany has always been financially independent as she started working at the age of 15. She bought her first home at the age of 23 and fell victim to our economic crisis. Through that experience she learned an expensive lesson of sharing “finances” before marriage. Tiffany’s strong finan-cial discipline with budgeting and managing credit has made her the “Go-To” resource by friends and family. She currently works for the new online brand Piperlime at Gap Inc Headquarters and is driven to helping her peers by sharing her life experiences along the way.
Zubin KoshyZubin Koshy, MBA has placed almost �00 candidates in various Information Technology roles in less than 2 years and has given life changing advice on re-sumes, interviewing, and career development for people in other industries. He currently works for Robert Half International, a Fortune 500 specialized staffing firm, and helps candidates with their placement needs.
Kimberly DossAs a Senior Recruiter, Trainer, and Strategic Sourcing Specialist Kimberly Doss brings over �7 years expertise in creating and implementing full life cycle recruit-ing, strategic sourcing solutions, and campaigns in both corporate and staff-ing agency environment. Ms. Doss’ brings extensive experience in developing training modules in recruitment, sourcing, and business development. Delivering custom designed up-to-date materials to help accelerate each participant’s knowledge, confidence, and bottom line result. Kimberly has facilitated many workshops including, Resume Writing, Interview Techniques, and Job Market Search to thousands of job seekers and has placed over �0,000 candidates to date. She brings valuable information about the current job market, skill build-ing techniques, and a game plan designed to fit each participants needs.
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Breakout
Since we are hosting this conference in a unique venue, we were limited on the number of breakout sessions. It made the most sense to have our breakout divided by the age group so that we could have relevant experts speak to this group. Each group for Gen X, Gen Y, & Baby Boomer women will breakout for an hour and a half to hear a panel of experts speak on retirement planning, the job market, how to budget, how to pay for college, and other topics relevant to these groups and the current phases of their lives.
Gen X Panelists (30 – 43 years):
Tara Fowler, Merrill Lynch
Heather Volante, Estate Planning
Michelle Droz, Woodruff Sawyer
Emily Peters, Credit.com
Veronica Dangerfield, Patelco Credit Union
Gen Y Panelists (17 – 29 years):
Viva Chan, New York Life
Karen Chadwick, College of San Mateo
Tiffany Vurek, Circle Communications
Bruce Axler, Axler Insurance
Zubin Koshy, Robert Half International
Baby Boomers Panelists (44 – 63+ years):
Marilyn Abedin, Borel Financial
Kimberly Doss, Key Placements
Sarah Scholz, Retirement Planning, Wells Fargo
Lisa Hatar, Estate Planning, Wells Fargo
Patty Mendoza, Home Mortgage,Wells Fargo
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Fight for Your Money: How to Stop Getting Ripped Off and Save a Fortune – David Bach
Suze Orman’s 2009 Action Plan: Keeping Your Money Safe and Sound – Suze Orman
Rich Dad, Poor Dad: What the Rich Teach Their Kids about Money — That the Poor and Middle Class Do Not! – Robert T. Kiyosaki with Sharon L. Lechters
The Total Money Makeover: A Proven Plan for Financial Fitness – Dave Ramsey
Your Best Life Now: 7 Steps to Living at Your Full Potential – Joel Osteen
The Success Principles: How to Get From Where You are to Where You Want to Be – Jack Canfield
The Money Keys – Karen Russo
Finding a Financial Advisor You Can Trust: A Guide for Investors – Barbara Stanny
Breaking Through: Getting past the Stuck Points in Life – Barbara Stanny
Overcoming Underearning: A Five Step Plan to a Richer Life – Barbara Stanny
Outliers: The Story of Success – Malcolm Gladwell
The Way We’ll Be: The Zogby Report on the Transformation of the American Dream – John Zogby
High Wire: The Precarious Financial Lives of American Families – Peter Gosselin
The Big Squeeze: Tough Times for the American Worker – Steve Greenhouse
Book Lists
23
Resources
Financial Resources
http://wiseupwomen.tamu.edu
http://www.dumblittleman.co
http://www.valueyourmoney.org
http://financialplan.about.com
http://www.kiplinger.com
http://www.mymoney.gov
http://www.practicalmoneyskills.com
http://www.mymoneymanagement.net/
Financial Resources for the College Student
http://www.fafsa.ed.gov
http://www.financialaidtips.org
http://www.testprepreview.com
http://www.scholarshiphelp.org
http://www.financialaidforcollege.com
http://www.usnews.com
http://www.collegeboard.com
http://www.finaid.org
Green Tips and Resources
http://www.greenlivingtips.com
http://www.divinecaroline.com
http://www.carbonfootprint.com/calculator.aspx
http://www.thinkgreen.com
http://www.wecanlivegreen.com
http://www.simplythrifty.com/33-things-you-can-recycle
http://www.greenandsave.com
http://pbskids.org
I am committed to your financial well-being. Helping you preserve and grow your wealth is my priority. Please call me for a complimentary, no obligation financial review.
We can help with:• Portfolio Analysis
• Retirement Planning
• Tax-free Investing
• Investment Education
• Financial Planning
• College Funding
Tara S. Fowler, CFP, CRPCFinancial Advisor101 S. Ellsworth Avenue, 4th FloorSan Mateo, CA 94401(650) [email protected]
and much more!
Integrity Management Enterprise2952 Market Street, Pizarro Bldg.San Diego, CA 92102-3241Tel: (619) 234-5018Fax: (619) 234-2629Web: www.integritymgmt.com
Agbayani Construction Corporation88 Dixon Court,Daly City, CA 94014-2225Tel: (650) 994-9380Fax: (415) 665-9470Web: www.agbayani.com
The ultimate goal of IME-ACC Inc. isto enhance thelives of the peo-ple who work,live, study andplay in thestructures wemaintain, buildand remodel.
O’DONNELL & ASSOCIATESATTORNEYS AT LAW
1190 CHESTNUT STREETMENLO PARK, CA 94025
650-853-7183650-324-9173 FAX
Matthew C. O’DonnellCertified Specialist Estate Planning, Trust and Probate Law
State Bar of California Board of Legal Specialization
is the time to start
For 20 years, Women’s Initiative has been providing low-income women with the most comprehensive business management training classes in the Bay Area. During our 11-week training you’ll gain essential management skills, strengthenÊyourÊconÞdence,ÊandÊdevelopÊaÊstrategic plan for your company.
Attend a free“My Business Action Plan” sessiontoÊÞndÊoutÊhowÊWomenÕsÊInitiativeÊcanÊhelpÊyouÊstart or grow your business and why now is a great time to start a business!
We’re now offering classes in our new training center in San Jose
Before beginning the class, you must attend a “My Business Action Plan” session. Visit our website, www.womensinitiative.org, or contact Ruth Elizondo at 408-282-4348 for schedules and more information.
NOWyour own business!
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We have GREAT TAKEOUT.
Check out favorite stores like Forever XXI, Wet SealNew York & Company and 2b, a new concept by bebe.
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great shopping to go
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We would like to thank Karen Drucker for her beautiful music CD
with songs featured at our event!
RCFE #015601254
FOUR COLORPROCESS
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Created:8-14-07Revised:
TWO SPOT COLORS:PantoneOrange 021and200
Questionsor problems:Victor LangerLANGER [email protected]
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At GLORY, we emphasize personalized attention in an immaculately clean, comfortable, and caring community. We maintain a high care-giver ratio so we can focus on your loved one’s needs every-day. Our approach is to adopt a family culture for both ambulatory and non-ambulatory seniors who desire the feel of a “home away from home.”
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Email [email protected]
Home of the “Shred”, a delicious lunch in a
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29
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Notes
32
Table VendorsAlternate Path
Redwood City Chamber of Commerce
Borel Financial
Woodruff Sawyer
Credit.com
Patelco Credit Union
Wells Fargo
First National Bank
Department of Labor, Women’s Bureau
NSB Productions
Circle Communications
DeVry Universtiy
Robert Half International
San Francisco State University
College of San Mateo
Notre Dame de Namur University
Gloria Assisted Living
Liberty Tax
Key Placements
Table Vendors
33
Dollars Sense
It’s time we came to our senses about our personal finances. I say this with deep conviction; both from personal experience as well as the many conversations I’ve had over the past few years, with women who simply refuse to face facts when it comes to matters of money. I admit there is something very daunting about getting up close and personal with one’s bank statements - whether online or on paper. Have you ever “snuck up” on your computer screen, or closed one eye in order to delay or soften the impact of today’s balance? There’s that word again; balance. Oh my, it certainly weaves it’s way through our spiritual, intellec-tual, physical AND financial lives, doesn’t it? Women are from Venus and Men from Mars, and I’ve noticed that for the most part, our ideas about money are worlds apart. Disclaimer: Please note that I’ve said “for the most part.” Financial literacy is not gender specific. Some women are incredible money manag-ers and I tip my hat to them - my empty hat that is, hoping that they’ll drop in a donation. And some men are definitely over-spenders. This writing is dedicated to my “cents-less” sisters who engage their emotions in every trans-action - large and small. We can justify just about anything, using creativity and tears. Some of us have left our safe corporate jobs in search of ourselves and have mustered up all the faith we can in our ability to be entrepreneurs. We know we have the talent, passion and business plan, but some of us lack the financial know-how to deliver us to the land of profit-able returns. Especially in this year of economic challenge, I’ve expanded my horizons about money and have made the following six intentions for 2009 and beyond: �) I will be honest with myself, and my partner about money. I’ll listen to his advice instead of avoiding it for fear he won’t agree with my strategy du jour. 2) I will live within my means and LOVE what I already have. 3) Instead of enlisting only the help of Lakshmi (the Hindu goddess of abundance), I will also seek the counsel and advise of actual human beings whom I know “get it” about money. 4) I will ask myself several times each day, “Cassie, is what you’re doing right now contribut-ing to the growth of your business?” If not, I’ll reassess and re-engage. 5) I will JOYFULLY pay back the institutions that have helped me live beyond my means over the past few years - on my merry way to the land of financial freedom. �) I will not engage in conversations that dwell on lack. I will continue to keep my head in the sand in this regard - peeking out ever so often to balance my checkbook and budget. I wish you balance, abundance, success and above all WISDOM in all your financial en-deavors. And remember, money doesn’t necessarily attract happiness, but happiness actu-ally does attract money. And, you can take that to the bank!
Cassie Schindler is the Founder of The Alternate Path and author of “BAL•abund•ANCE…the story of what money can’t buy” for sale at the Wise Up and Take Off Conference for a discounted price ($�0), or at www.thealternatepath.com/publications.html ($�2).
Upcoming workshops include: The Living Labyrinth, Saturday, April 18 in Burlingame, CA. For more information or to register online, visit: http://www.thealternatepath.com/retreats.html
By Cassie Schindler
34
College Partners
35
Sponsors
*This event is conducted under a contract with the U.S. Department of Labor, Women’s Bureau
Lahlouh Printing, Spa-fabulous, Shores Press, Jigsaw Java, Robert Half International, Whole Foods Market, Island Java, Events Studio, Alternate Path, Karen Drucker
THANK YOU TO OUR FOLLOWING SPONSORS:
Condor Sponsor
Skyhawk Sponsor
Community Friends
Community Supporters
*Brought to you by:
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WE’REEXCITED TO
PRESENT
Starring the FBLA Studentsof Westmoor High School
We would like to thank the following contributors:
ERIC MISA|EVENT STUDIOSVideo Production
RUSSELL RAMOSDirecting and Script Writing
SERRAMONTE SHOPPING CENTERProviding video-shoot venue
ISLAND JAVAProviding video-shoot venue
FBLA STUDENTS OF WESTMOOR H.S.
CIRCLE COMMUNICATIONS TEAMAdditional Acting
CHRISTOPHER JEW
VIDEO PROJECTG GREEN
THE
A SPECIAL THANKS TO
For generously printing theseConference Program Guides
Lahlouh |P ackagingPr
1649 Adrian RoadBurlingame, CA 94010
Phone: 650.692.6600Fax: 650.692.7272
Email: [email protected]
The Women’s Bureau Presents
featuring
Wi$e Up Take OffDESTINATION: FINANCIAL SUCCESS
FR IDAY MARCH 13, 2009Time: 8:30 AM to 4:30 PMThe Hiller Aviation MuseumSan Carlos, CA
*Brought to you by:
*This event is conducted under a contract with the U.S. Department of Labor, Women’s Bureau.
Connect. Commit. Change.
circlecommunications.com(650) 991-5697 [email protected]
