ªªÊp£ J ¹¯¼Æ íëìð · 2017-02-14 · is safe even if there's a burglary at my house as it happened once". Minerva Salazar My special thanks to our donors and supporters,

"Financial literacy could mean morethan just a hot meal and a roof over your head,it could be the beginning of a bright futurefor generations to come". Isabel Cuyás

Annual Report 2015

Message to our friends and supporters

QUALITAS OF LIFE FOUNDATION | ANNUAL REPORT 2015 | 01

There is no doubt that 2015 has been a great year for Qualitas of Life Foundation with

everything beginning to fall into place.

This was a consequence of the commitment and dedication of the Board of Directors to

make this happen. I’m very thankful for the way each member shared their talents and their

time thinking about different ways in which we could help Qualitas fulfill its mission.

Having the necessary resources and the right people to manage the organization has also

been a powerful contributing factor. We now have a committed staff of individuals from a

diverse field of expertise that is inspired by their daytoday work and the influence that it

has on the Hispanic Community in New York and beyond.

During 2015 we trained 1,050 people, contributing to changes in their attitudes and

behaviors related to their financial management. Participant testimonials such as this one

make us feel very proud of our work and inspire us to continue on this wonderful journey:

"After attending Qualitas’ workshops, I I understood better the banking system and wasable to open a bank account. Now my money is safe and I know I will not lose my savings. It

is safe even if there's a burglary at my house as it happened once". Minerva Salazar

My special thanks to our donors and supporters, who increase their donation every year and

to whom we are accountable.

Qualitas is about to turn 10 years old, and we will celebrate this anniversary with all of those

who are part of our family, and of course by continuing to strive to reach more and more

people with our powerful programs. Thank you everyone, for believing in us, and enhancing

the lives of those we serve for the better.

I know that the idea that my dear Alexis and myself once had, is now shared by many

others and Qualitas will continue to respond to the poignant needs of Hispanic families in

New York for comprehensive financial education for years to come.

Marcela O. de Rovzar Chairwoman and Founder

Marcela

QUALITAS OF LIFEFOUNDATION

Qualitas of Life Foundation is a nonprofit organization that provides basic financial

education to Hispanic individuals and their families in New York, in order to foster

their financial security and improve their standard of living.

Lack of information and access to basic financial services are

pressing issues for Hispanic individuals, a rapidly growing community

in New York. This problem deprives Hispanic families of economic

opportunities, prevents them from establishing financial security and

stability, and makes them targets for scams and abuses.

In 2004, Marcela Orvañanos de Rovzar moved to New York City. As

a Mexican philanthropist with a background inability development and

fundraising, Marcela was startled by the critical living conditions of

Hispanics and was determined to find the means to support this

community. After consulting financial education experts and working

closely with community members, Marcela founded Qualitas of Life

Foundation.

Qualitas financial education workshops began in 2007 and, thanks to

the continued support its’ Board, our committed volunteer base,

sponsors and strategic alliances, we have expanded to teach

workshops in community centers in all 5 boroughs of New York City.


"Qualitas of LifeFoundation has beenable to build bridges

in the Hispaniccommunity through

its successfulworkshops and

services"


Providing effective financial education programs tailored

to the needs and characteristics of Hispanic individuals

and families in New York (short term actions) and

nationwide (long term strategy).

Enhancing our network of strategic alliances with

organizations in Hispanic communities, as well as private

financial institutions, in order to expand the reach of the

financial education program.

Building a sense of community among Hispanic workers,

students, professionals, immigrants, and their families.

Becoming a selfsustainable organization.

GOALS

TRENDS

Financial education program

43%

20% Hispanic between 16-24 yearsold are not school enrollment

Due of their lack of studies, the majority of theHispanic community works in low paymentservices

Financial education will help them managebetter these money, and give them the financialsecurity they need to take better decisions,including go back to school. .

Hispanics live in poor ornear poor household

The economic situation of many Hispanicindividuals has caused them to live inunregulated rental housing.

Through financial education, participantsgain valuable skills to help unlock theirpotential, improve their well being, andcontribute to the betterment of thecommunity.

23%

The main objective of our workshops is for each participant to understand their financial situation,establish clear financial goals and acquire the knowledge, skills, and habits it takes to archive it.

The Hispanic community usually managestheir money in cash and using unregulatedservices making them vulnerable to potentialscams and financial abuse.

Financial education can help decreaseinstances of fraud and scams by improvingparticipant’s knowledge awareness andpractices with relation to budgeting and thebanking system, for example, allowing them tomake more responsible financial decisions inconsideration of their needs and those of theirfamily.

Hispanics in NY are banked

Why financial education


(1)Billions in motion: Latino Immigrants, Remittances, and Banking The Pew Hispanic Center and The Multilateral Investment Fund(2) Deutsche bank study Nearly half of Mexican children in New York City are growing up poor.(3) Immigrant financial services study NYC.gov

(3)

(1) (2)

Financial education programs

Formats of the workshops

FAMILY WORKSHOPS

3 hour session for 2025 families thatintegrates financial information, dynamicgames, audio visual material, and guest

speakers.This workshop concludes with a mealthat aims to strengthen the sense

of community.

SPECIFIC TOPIC WORKSHOPS

2 hour session for up to 30 peopledesigned around the specificfinancial needs of a particular

community.

8 SESSION WORKSHOPS

Intensive workshop for 2030 people thatprovides in depth discussions of 7financial topics followed by anoverview session and a diploma

of participation.

Workshops Topics

• Qualitas and my personal finances

• My householm finances

• Saving and insurance

• Budgeting

• Banking system

• Frauds and financial scams

• Credit and debt reduction

• Housing

• Basic accounting for small business

• Understanding money for kids

• Understanding money for preteens

• Budgeting for teenagers

FOR ADULTS FOR KIDS AND TEENAGERS

Understanding of financeopens up many doors.


Programs locations

Quoted references can also be helpful.references to people can also be made throughthe written accounts of interviews and debatesconfirming the factuality of the writer’sinformation and the reliability of his source. thewriter can use redirection to ensure that thereader keeps reading the article and to drawher attention to other articles.

Written by Spencer Parry

PAGE 50

LOCAL BUSINESS | ISSUE NO. 15


STATEN ISLAND

BROOKLYN

QUEENS

BRONX

MANHATTAN

Columbia HeadStart

Consulate General of Brazil

Consulate General of Mexico

NYC Mission Society

Center for Family Life

Mixteca Organization

Opportunities for a Better Tomorrow

Sunset Park Women's Empowerment Day

Casa Ecuatoriana

Urzua Center of performing Arts

Academy of the City Charter School

Mercy Center

Lucero Elementary School

NYC

OUTSIDE NYC

Brentwood, Long Island

Agri Business Child Development, Middletown NY

Agri Business Child Development, Geneva NY

Agri Business Child Development, Syracuse NY

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34

5 Neighbors Link Stamford, Connecticut

CONNECTICUT

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Learninghow to managetheir money

99%HAVE JOB

SOMETIMES EVEN

MORE THAN ONE

According to Pew Research Center, the Hispanic community makes up 27%

of the population of NYC. Many of whom, came to NY to pursue the American

dream, however, for most, that dream seems unattainable as they face

countless barriers to fully integrate into US society.

At Qualitas, we believe that Financial Education offers participants essential

information and tools to strive towards that dream.

$30,000

AVERAGE

ANNUAL INCOME

+13 YEARS

49%HAS BEEN

LIVING IN USA


HISPANICCOMMUNITY

NYC POPULATION

27%

54%WITHOUT A

BANK ACCOUNT

Our participants

Our participants come from lowincome

communities and benefit from our financial

education program through workshops held

in our strategic alliances throughout the five

boroughs of New York City and beyond..

Through our workshops, we enable our

participants to use the available resources to

improve their personal finances and provide

more opportunities for their families. What

makes the program unique is the way in

which trustbuilding, selfempowerment, and

communitybuilding elements have been

strategically embedded into the curriculum –

tailored specifically for the Hispanic

population.

By gradually opening accounts, eliminating

credit card debt, improving credit scores,

budgeting, saving, and avoiding high fees of

loan sharks and check cashing

establishments, participants will foster their

financial security and improve their standard

of living.

Upon finishing, many graduates have

obtained credit, secured insurance,

purchased Certificates of Deposits, and

opened bank accounts, or simply learned to

better manage their households’ finances

while communicating more openly about it

with their families.


73%women

49%are between

26-40 years old

In the workshops, we talk about emotions regarding yourfinances, do you notice a difference in your attitude towardyour finances when you think about how you felt before andafter the workshops?My attitude to money change, because before I was afraid that Iwas going to pass something sick me, that if he spent a lot and ifI do not have to pay, and if I get sick. Now with the budget andI'm not afraid, I see how much there first won and then I can notspend more than that, or spend more than they can not afford. Ithink I am now careful now I'm more careful with money.

In the workshop I learned that the credit cards should be usedresponsibly, it is not good to have many cards, but it is not bad touse it. I have also learned how to do a budget, which helps me torealize that in effect, I’m able to pay the monthly amount of thecredit card and it’s more convenient to use it instead of myfriend’s loans . She asks interest, but the ones from the bank arelower and also help me with my credit history.

Do you have a financial goal?My goal is to open a restaurant here. I have been working inrestaurants for a long time, think I know the business. Besides, Ilearned that I just need the ITIN number to open a business and Ialready have that.

What was the workshop that served you more?The budget workshop helped me a lot. I started we my budgetand has helped me to put limits on my own expenses. As abusboy, my income is based on the number of tips that I receiveevery day. Every Sunday I do my budget, it’s not easy because Iam not used to it, but now I check that is a good practice becauseI have more control of my money.By managing my budget well Ican start saving for my dream. After the workshop I also openeda savings account.

M

Meet Martin Luna

He attended Qualitas of Life workshops at

H.A.N.D.S. Community Center, South Bronx

artin Luna is from a small village in Oaxaca, near Guajaca,Mexico. Martin has lived in NY for 5 years. When he first arrivedhe stayed in California, then Oregon before finally coming to NY.He is the eldest brother of 10 children. He couldn't finish highschool because he had to work to help his parents and siblings.

When I came to NY, says Martin, it was a difficult time, I didn’tknow the city, the language or anyone else besides my cousin. Icame to NY looking for better job opportunities, today I work in anItalian restaurant as a busboy.

How do you define your Finances and what was the mostimportant thing you learned in the workshops?I think, I’m not so bad managing my finances. For my emergenciesI have a friend who lends me money, she's a good friend whohelped me with money when my father died; also I have creditcards, with $500 approved at the beginning, and after a year thebank increased it to $3,000. So for now, I'm fine.

Although I had a credit card, before the Qualitas workshop I didn’tknow much about the banking system. For example, I didn’t knowif credit cards were good or bad so I would rather ask my friend,and I pay her weekly.

In the workshop, I learned that the credit cards should be usedresponsibly and that it is not good to have many cards. I alsolearned how to do a budget, which allows me to pay the monthlyamount of the credit card which is more convenient than myfriend’s loans and this also helps me with my credit history.

"In Qualitas, I learned thateven if you save a dollar per

day, it is worth it"


lba MedinaOsorio is from Bogotá, Colombia. She came toNY in 1997. She studied law in her country but has never beenable to work as a lawyer in the US. She says that the systemhere is different from the system in South America. "I tried toenter to the system several years ago, that was the goal ofcoming to NY, but here I encountered a difficult language barrier,cultural barriers, economic barriers and all obstacles possiblebecause education in this country is extremely expensive."

Since Alba could not work as a lawyer, she started working withher physical skills, as most Hispanic individuals do, she workedin a restaurant and began babysitting children. For the last 15years, she has worked as a taxi driver in New York City.

How do you define your financial position and what was themost important thing you learned in the workshops?My finances have not been very stable, my work does not giveme a steady income. In addition, my work is affected by theseasons, winter is a very good for me because there is a lot ofwork, but summer people prefer to walk so I need to learn toproject my income better to account for the seasonal variabilitybetween winter to summer.

Given my difficulties in planning for the future, I have made manymistakes in my finances. The biggest mistake I was making wasto have a single budget for my personal finances and mybusiness, my finances were a disaster and I had to ask for aloan. In Qualitas’ workshops I learned that it is important toconsider the risks and benefits of the banking system, and beforeaccepting a credit card it is best to calculate your annualpercentage rate. The facilitators taught us how to calculateinterest. They explained to us that before making a financialdecision you have to really take the time to consider your optionsand do the necessary calculations.

In the workshops, we talk about emotions regarding yourfinances, do you notice a difference in your attitudetoward your finances when you think about how you feltbefore and after the workshops?In the first class, I learned how finances can affect moods andvice versa. Not having money or being heavily indebted candefinitely make you feel one way I get stressed, depressed itcan be a feeling of great frustration. But if you learn todetermine what part of you, you are projecting on yourfinances, if you know the root of the problem, you can fix it. Inthe workshop, I realized I was not alone and that I was not theonly one who had made mistakes.

Do you have a financial goal?My financial goal is for my child to go to college, he is 15 yearsold and soon he will graduate high school. I also I haveanother goal, but longer term, "I want financial peace"

What was the workshop that served you more?The workshop on the banking system, because I never knewwhat a credit union was let alone the difference betweenbanks and credit unions. I didn’t know that there were smallcredit unions exclusively for people who run small businesses.Among the changes, I made after Qualitas, was to put $ 300 ina credit union I recently joined in Queens.

A

Alba Medina Osorio Meet Alba Medina:

She attended Qualitas of Life

workshops at Ecuadorian

Consulate on Queens.

"The workshops gave mea new vision"


Thanks to our alliances and community partners, we have

been able to achieve great things this year. Our alliances

are a fundamental and central part of our structure and

success. During 2015 Qualitas worked with 21 alliances.

In 2015 Qualitas provided 79 workshops throughout the five

boroughs of NYC, upstate NY, and Connecticut. We have

a presence in the five boroughs of NYC and have begun

our expansion upstate and Connecticut.

In 2015 Qualitas provided 1050 participants with the gift of

basic financial education, indirectly impacting more than

3000 individuals in their families.

79 Workshops

21 Alliances

1050 Participants


Financial educationFor the Hispanic community in NY during 2015

In May 2015 Qualitas trained 14 new facilitators on the

educational model. They also received a training with

current facilitators for new materials developed by

Universidad Paranamericana.

14 New facilitators

Statement of financial position D e c e m b e r 3 1 , 2 0 1 5


ASSETS

LIABILITIES AND NET ASSETS

$ 384,456

6,217

2,160

392,833

1,236

(1,171)

65

$392,898

374,464

374,464

$392,898

Current assets:Cash and cash equivalents

Accounts receivable

Prepaid expenses

Total current assets

Property and equipment:Equipment

Less accumulated depreciation

Total property and equipment, net

Total assets

Current liabilities:Accrued expenses

Total current liabilities

Net assets:Unrestricted

Total net assets

Total liabilities and net assets

$ 18,434

18,434


Our leadership

Marcela O. de Rovzar

Chair

Gregorio Schneider

Treasurer

Leigh Rovzar

Secretary

Russell G. Byers, Jr.

Cristina Castañeda

Jorge Suárez

Alonso de Garay

David Lucero

Lorea Canales

León Constantiner

Barbara Fernández

Gina Diez Barroso de Franklin

Paulina Toriello Arzu de Keilhauer

BOARD OF DIRECTORS

COMMUNICATIONS COMMITTEE

Miguel Zabludovsky (Chair)

Leon Constantiner

Lorea Canales

Jason Marczak


Helena Escalante

Bárbara Fernández

Paulina Toriello Arzu de Keilhauer

EDUCATION COMMITTEE

Jorge Suarez (Chair)

Mauricio Jaramillo


Gina Diez Barroso de Franklin

Robert Smith

Cristina Castañeda

FINANCE COMMITTEE

Gregorio Schneider (Chair)

Alfredo Espinosa


Leigh Rovzar

Jonathan Davis

Jorge Suárez

Marcela O. de Rovzar (Chair)

Russell Byers

Alfredo Espinosa

Gregorio Schneider

Jorge Suárez

Miguel Zabludovsky

Edgar Zavala

Fernando GutierrezEddy

Carla Hammond

Bárbara Fernández (Chair)


Leigh Rovzar

Miguel Zabludovsky

Alonso de Garay

FUNDRAISING COMMITTEE

FRIENDS OF QUALITAS

COMMITTEE

Qualitas' staff

Responsible for overseeing theeducation program, coordinate theevaluation and maintain and grow the relationship with partners.

Qualitas has an interdisciplinary staff of passionate people who are proud to make a difference in the Hispanic

community in NY by doing work that they love every day. Each inspired member of our team brings unique

experience and resolve to a common vision and the goal of bringing financial education to the Hispanic

individuals and their families in New York.

Responsible for overseeing and supervisingthe general performance of the program.Ensures that the program is in line withQualitas of Life mission

Susana Camarena,Executive Director

Nilbia Coyote,Education Coordinator

Miriam Soto,Communication Coordinator

Pily QuintanillaEducation Associate

Vanessa Crowley,Evaluation and ProceduresSpecialist (consultant)

Responsible for telling the story of Qualitas ofLife, to the people and organizations that wework with, and our impact in the sector.

Coordinates the implementation of theprogram, and the training of the facilitators.Responsible for evaluating and measuring the

impact of the program.

We are very grateful to everyone who has donated their time and effort during 2015. All that we do would not have been possible withoutthe hard work of our volunteers. During 2015, 8 volunteers donated 3,850 hours of their time and skills to assist us with a wide array ofprojects, events, and programs this year. Your dedication and passion help us stay engaged, motivated and able to achieve our goals.

Volunteer and interns


Our facilitators play an essential role in channeling the information we share with participants in the best waypossible. All of our facilitators have a strong understanding of the socioeconomic challenges faced by ourbeneficiaries. They come from a diverse professional background, made up of the following areas of expertise:social work, education, finance, nonprofit management, communications, and public policy.

The face of Qualitas of Life Foundation

Facilitators

Our Facilitators comefrom Argentina, Chile,Brazil, Colombia,Dominican Republic,Mexico, Ecuador,Honduras, Puerto Ricoand the USA.


The best part of being facilitator


"Helping people get a better

sense of what is available

to them to get financial

security for them and

their families."

Maru Bautista

"I like providing information

that has a great impact in

their lives. I also like to

answer difficult questions."

Damara Parra

"The fact that you

can change people’s lives

for the better."

Ivan Guzman

"Seeing first hand the impact

and change we’re making in

the Hispanic Communities."

Jorge Cruz

"I like to help the

community and feel

that I am there to give

them useful information."

Fabiana Cruz

"It is great to be like a seed

in the educational path of

the financial development

of our participants."

Jimena Cosso

YEAR ROUND 2015ROLL OUT OF GRADUATION CEREMONIES

OCTOBER 2015FAMILY WORKSHOPS UPSTATE NY

APRIL 2015"SEMANA DE EDUCACION FINANCIERA" AT

THE MEXICAN CONSULATE NY

Qualitas in action

During 2015 Qualitas held 7 graduations ceremonies for each 8 session course delivered , congratulating all those present for havingparticipated in the program and giving special recognition to the dedicated participants who attended 80% or more of the workshops. Thiscertification was also meant to inspire those who did not complete the course, to seek out other Qualitas workshops in their area so they too,could obtain a certificate. The graduations turned out to be a huge success and our staff travels to as many graduations as possible to sharein the celebration of this great accomplishment and congratulate participants in person. This offers participants a chance to meet the peoplebehind the scenes of Qualitas and have a chance for photos in front of our banner.

JUNE TO JULY 2015SUMMER INTERNSHIP PROGRAM 2015


3 students from Mexico and 1 from NYC donated their time andtalent to Qualitas during the summer. We would like to thankMayte Gallastegui, Catalina Garza, Sabrina Bustamante, andAidee Rodriguez for your invaluable support to the organization.

In April, Qualitas participated in the 4th financial education weekhosted by the Mexican Consulate. Throughout the week,volunteers from Qualitas provided information about the workshopsto the public attending the events at the Consulate and on the lastday provided "My family and my finances" workshop.

The third weekend of October, 2015 Qualitas traveled to theABCD (Agribusiness child development) location to Geneva,NY to provide two family workshops. ABCD is a non profitorganization committed to providing the highest quality earlychildhood education and social services to farm workers andother eligible families across New York State.

Qualitas was selected by the New York Public Library toparticipate in a pilot project under the Money Matters Program.We provided 66 workshops, 42 coaching sessions in 9different libraries.

MAY TO JULY 2015NEW YORK PUBLIC LIBRARY PROGRAM

The staff, facilitators, and volunteers work hard to develop a sense of community among our participants and

provide them with basic financial education in order to foster their financial security and improve their standard

of living, even traveling when it is necessary long distances.

Mercy Center honored Marcela O. de Rovzar

Events 2015

Qualitas of Life founder, Marcela Orvañanos de Rovzar was honoredduring the 11th Annual Mercy Center Bronx Gala, for her workempowering the Mexican community in NYC. We are very proud ofMarcela for being such a visionary and a constant source of inspiration atthe helm of driving this great organization forward.


Qualitas of Life is always looking for a way to involve new people with its mission of providing basic financial

education to Hispanics in New York. During 2015, Qualitas participated in different events all in the frame of

Financial education and its importance.

Train the trainers

Over the course of two weekends in April, Qualitas of Life Foundationtrained 14 new facilitators who are now prepared to teach Qualitasworkshops. This new generation of facilitators will allow us to expand thescope of our programming and allow us to reach more Hispanic individualsand their families with essential financial education.

This program was provided in collaboration with Universidad Panamericana(UP). In addition to that, Qualitas is working together with UP in theredesign of the educational model.

Parent Ambassador Summit 2015

In November, Qualitas hosted the first day of the second Ambassadorparents summit organized by ABCD (Agribusiness child development),

During the morning Qualitas provided the workshop "Saving andinsurance", followed by a lunch shared with the Mexican Consul General,Ambassador Sandra Fuentes, who gave a speech and recognition to theparents present for their interest and efforts to overcome the persistentcycle of poverty.

For more information about the program or to find out ways that you can help us, visit

joincompadre.org

Compadre's dinner celebration

Muy comPadre T-shirt

Compadre's cocktail

Compadre programDuring 2015, Qualitas of Life launched a monthly support program called "Compadre". By becoming a

Compadre you will help the organization bring financial education programs that will empower the Hispanic

community to lead better lives. From June to September Qualitas hosted a series of events inviting donors

and friends to join the new program and pledge their monthly support.

Mexican Ambassador Sandra Fuentes hosted a dinner atMexico’s official residence in New York, on June 11th toofficially launch the program. Those who attended becameCompadre’s Founding Members..

In September, Qualitas hosted a cocktail as part of theCompadre's launch campaign, where a new group of friends andsupporters of the Hispanic community was invited to become partof the program, supporting Qualitas workshops with a monthlydonation.

Spenglish made this special edition tshirt tosupport the mission of Qualitas throughCompadre program. Everyone receives onewhen they become a Compadre.

It realy is Muy comPadre!


Donors Recognition

Jose Antonio Fernandez

Maryan Lombardo

Luis Gerardo Trevino

Cem Kent

Eugenio Fernandez Garza L

Arturo Constantiner

Kathy Yeu

Martha Weinman

Jesus Melendez

Bakary Tandia

Nilbia Coyote

Alejandra Ortega

Lucia Goyen

Barbara Leopold

Margaret Evans

Bruce Kogut

Suzanne Diddel

Monica Salmon

Felipe Valdes

Ivana Moreno Valle

Gina Diez Barroso

Gina Moreno Valle

Guillermo Rovzar

Fernando Rovzar

Juan Carlos de Obeso

Maria Ochoa Robles

Carlos Ochoa

Fernando Solis Palomera

Juan Lanzagorta

Miguel Zabludovsky

Leon Constantiner

Moka Lafaire

Jorge Vazquez

Franzisca Landes

Benjamin Sanchez

Ana Lanzagorta Fernández Del Valle

Fernando Contreras

Jimena Cosso

Jorge Lopez

Kakiko Ramos de Leon

Alejandro Camacho

Julian Camarena

Rodrigo Zuloaga

Ana Guilaisne Bernard

Alvaro de Obeso

Angel Valle

Gordon Lee

Barbara Fernández

Fernando Burgos

Sofia Ortiga

Eduardo Gonzalez

Iker Fernández

Francisco Mejias

Gabriel Mijares

Luis Javier Valle

Marco Moreno Garcia

Ricardo Castro

Veronica Newman

We are very grateful to everyone who support to bring financial education to Hispanics in NY.

All that we do wouldn’t have been possible without the generosity of our supporters.

Eugenia Vivanco

Patricia Burmicky

Andrea Cadena

Alexia Nuñez

Fernando Montes de Oca

Francisco Tovar

Yasmin Hernandez Zucar

In Kind SponsorsWhite and Case

Educacion financiera Banamex

Photo Uno

Volaris

National Football League (NFL)

Pineda Covallin

Macy's

Beyond restaurants group

Cosme

QUALITAS OF LIFE FOUNDATION | ANNUAL REPORT 2015 |20

Qualitas islooking for compadres

To learn more about us visit our website at www.qualitasoflife.org

www.facebook.com/qualitasoflife @Qualitasoflife

We are always looking for more ways to reach local Hispanic communities through

community partners. Find out how you can give back to your community today at

[email protected] or call 212 739 1661

EMPOWER HISPANIC INDIVIDUALS TO LEADBETTER LIVES. BECOME A COMPADRE

By becoming a Compadre you will help to bring financial education programs that will

empower the Hispanic community to lead better lives.

For more information about the program or to find out ways that you can help us, visit

joincompadre.org

Our participants improve their lives and thoseof the people in their communities by learning

how to manage their income.

Education is Power

Financial education is freedom

Annual Report 2015

Documents

ªªÊp£ J ¹¯¼Æ íëìð · 2017-02-14 · is safe even if there's a burglary at my house as it happened once". Minerva Salazar My special thanks to our donors and supporters,