A Webinar Series

Made possible by a grant from the Office of the State Bank Commissioner.

Register Now

Monday, October 26, 2020 

6:00 – 7:00 PM 

Understanding Credit Reports & Scores:  How Credit Reports Are Used

Ginger Ellsperman, HUD Exam-Certified Counselor, HCCI

The first step to achieving strong credit health starts with investing in understanding the ins and outs of your credit score.

  • why your credit score matters
  • how to read your credit report
  • how to establish or improve credit
  • how to dispute inaccurate information

Ginger joined the HCCI staff in March 2016. She is a frequent speaker for HCCI’s financial literacy education classes and assists with HCCI’s bankruptcy classes. Ginger and her husband own their own floor covering business and are raising two young daughters so they know the costs busy families have, especially during this unpredictable economy.

Monday, November 30, 2020

6:00 – 7:00 PM 

Budgeting & Saving: Put Your Budget to Work

Rogers Brazier, HUD Exam-Certified Counselor, HCCI

A good budget and savings commitment are the foundation of your financial plan. If you are new to budgeting, it’s important to understand what a budget is and how it can help you reach your short-term goals.

  • how to create a budget that works for you
  • track spending
  • why an emergency fund is important
  • how to plan for non-monthly expenses

Rogers joined the HCCI staff in March 2016. He brings a wealth of knowledge and expertise to HCCI having served a long career with the State of Kansas Department of Administration and in other high-level management corporate positions. In 2012-2015 Rogers responsibilities included preparing PowerPoint presentations related to the state budget process and conducting statewide trainings for Certified Public Accountants. Rogers especially enjoys helping people develop their own personal budget and then master monitoring their spending consistently.

Monday, January 25, 2021

6:00 – 7:00 PM

Let’s Get Out of Debt

Angel Zimmerman, Managing Partner                                  Anju Mishra, HUD Exam-Certified Counselor

Zimmerman & Zimmerman, PA                                              Housing and Credit Counseling, Inc.

Feeling overwhelmed by past-due notices or feel plagued with garnishments. Join Angel and Anju to learn:

          • what laws protect you when you have debts in collections
          • rules that apply for enforcing loan terms
          • how different types of debts impact your bank account, paycheck and credit score
          • repayment options (available through HCCI) so you can get out of debt and on with your life.

Angel graduated from Washburn School of Law in 2006. She became the inaugural president of the Kansas Bar Association Law Practice Management Section in 2007 and Law Practice Management committee chair in 2015. Angel chaired the International JRCLS-WIL Women in Law committee (2016-2018).

Anju is a graduate with honors, Bachelor of Economics, University of Delhi. The National Foundation for Credit Counseling named Anju “Counselor of the Year” for 2018. In accepting the award, Anju credited HCCI with providing extensive training and support for all their counselors.

Anju joined HCCI’s staff in 2006. She also manages HCCI’s Lawrence office. Anju leads work by HCCI with the United Way of Douglas County to promote financial literacy work with other community partners.

 

Monday, February 22, 2021 

6:00 – 7:00 PM

Banking Basics: Modern Money

Dana Branam, Director of Community Affairs                                 Anju Mishra, HUD Exam-Certified Counselor

Kansas Office of the State Bank Commissioner                                             Housing and Credit Counseling, Inc.

Join Dana and Anju to get an unbiased view of the different banking options available to consumers:

          • questions to ask yourself when shopping for a financial institution
          • what to expect when opening an account
          • technology – apps to stay on track
          • how having a checking and savings account in a bank or credit union helps Keep Life $ensible

Dana investigates consumer concerns for the Office of the State Bank Commissioner (OSBC) where she has worked since 2011. She also investigates unlicensed entities attempting to do business in Kansas.

Anju is a graduate with honors, Bachelor of Economics, University of Delhi. The National Foundation for Credit Counseling named Anju “Counselor of the Year” for 2018. In accepting the award, Anju credited HCCI with providing extensive training and support for all their counselors.

Anju joined HCCI’s staff in 2006. She also manages HCCI’s Lawrence office. Anju leads work by HCCI with the United Way of Douglas County to promote financial literacy work with other community partners.

Monday, March 29, 2021 

6:00 – 7:00 PM

Tips for Renters – Kansas Tenant & Landlord Law

Teresa Baker, Manager, Tenant & Landlord Counseling & Education Program

Housing and Credit Counseling, Inc.

During the COVID-19 pandemic, many renters have worried about eviction when they could not pay rent on time and in full. Landlords have concerns too as they attempt to work with tenants to maintain their rental housing. Teresa will give helpful information about:

  • why you need a rental contract and three things that should be in every contract
  • common issues and ways to work effectively with a landlord
  • maintenance issues, pets, roommates and more
  • how HCCI helps both renters (tenants) and landlords with questions about rental housing issues.

Teresa joined the HCCI staff in 2007 and brings a wealth of knowledge about all issues related to the rights and responsibilities of both tenants and landlords. Teresa’s areas of expertise include Fair Housing Law and the Kansas Residential Landlord and Tenant Act. She supervises two other HCCI Counselors – Ashton and Abi – who also have expertise in tenant/landlord relationships.

Teresa leads work with the United Way of Greater Topeka to promote financial literacy work with other partners.  Teresa manages HCCI’s HOPE Program – a project funded by United Way of Greater Topeka to offer HCCI’s Financial Counseling plus mentoring by HCCI trained volunteers to families wanting to reduce debt, build credit and get ahead.  https://hcci-ks.org/programs/hope

Prior to joining the HCCI staff, Teresa was a property manager involved with work for families earning low incomes, elderly and physically challenged individuals living in subsidized housing. She proudly served in the US Army.

Monday, April 26, 2021

6:00 – 7:00 PM

Budgeting for an Irregular Income

Rogers Brazier, HUD Exam-Certified Counselor, HCCI

Creating and managing a monthly budget might seem overwhelming when income varies widely – month to month or year to year. Rogers will discuss:

  • how to create a monthly household budget when income changes dramatically from month to month
  • how to manage the budget you have created so that you at least cover the necessary expenses (housing, utilities, food, child care, basic transportation)
  • why a “gap” fund is important for those times when the weather is bad, or business is slow
  • the importance of saving during the good months to be prepared for the down months.

Rogers will also talk about:

Budgeting Tips to Survive a Layoff

A layoff is devastating. Hear how to limit the impact to your household budget:

  • who to call and what actions we should be taking
  • why budgeting during tough times is vital.

Rogers joined the HCCI staff in March 2016. He brings a wealth of knowledge and expertise to HCCI having served a long career with the State of Kansas Department of Administration and in other highlevel management corporate positions. In 2012-2015 Rogers responsibilities included preparing PowerPoint presentations related to the state budget process and conducting statewide trainings for Certified Public Accountants. Rogers especially enjoys helping people develop their own personal budget and then learn skills to consistently monitor their spending.

May 24, 2021 

6:00 – 7:00 PM

Modern Money – Apps for That: on-line tools to help you budget, shop smart, save. 

Ginger Ellsperman, HUD Exam-Certified Counselor, HCCI

Ginger will present a very interactive chat class that lets the speaker and participants share great Apps that work to monitor spending (budget); check your credit report; shop for good deals and more. Learn about:

  • personal budgeting Apps – features that work for “cash only” budgets or “online banking: or to track “overspending.”
  • credit checking Apps
  • saving and investing Apps
  • and more.

Ginger joined the HCCI staff in March 2016. She is a frequent speaker for HCCI’s financial literacy education classes and HCCI’s bankruptcy classes. Ginger and her husband own their own floor covering business and are raising two young daughters so they know the costs busy families have, especially during this unpredictable economy.

A Webinar Series

Featuring

Carol Kando-Pineda, Counsel, Division of Consumer & Business Education, Federal Trade Commission

                                     Saturday, October 3, 2020

                                      9:30 AM – 12:30 PM

  Scams, Fraud & Identity Theft 

Each year, consumers lose billions of dollars as the result of scams, fraud and identity theft. During COVID-19, these deceptive activities have dramatically increased. Learn more about how you can recognize, avoid and address scams, fraud and identity theft from Carol Kando-Pineda, Counsel in the Federal Trade Commission’s Division of Consumer and Business Education. The FTC’s mission is to protect consumers and competition by preventing anticompetitive, deceptive and unfair business practices through law enforcement, advocacy and education.

Carol leads teams to create and distribute free consumer tips – online, in print, by video, and on social media – to help people spot scams and manage their money well. She heads up the agency’s outreach through public libraries – as well as the Military Consumer partnership. Carol began her FTC career as a staff attorney, then served for several years as a liaison between the FTC and the U.S. Congress. Subsequently, she served on temporary assignment as an attorney for the U.S. House of Representatives’ Committee on Energy and Commerce. She earned her A.B. from Harvard College and her J.D. from Suffolk University School of Law.

Carol speaks directly to the current economy and especially to scams regarding COVID-19 and the extensive work FTC is doing to educate the public.

Sponsored by:

Monday, October 5, 2020 

6:00 – 7:00 PM

Investing

Kathy Browne, Chief of Compliance

Office of the Kansas Securities Commissioner

Kansas is the birthplace of “blue sky laws.” Hear how the Kansas Securities Office and Kansas Department of Insurance protect Kansas consumers. Kathy will talk about investing, knowing your “risk factor tolerance,” the difference between stocks, bonds and mutual funds and how the Kansas Securities Commissioner’s office works to protect Kansans from investment fraud, including FAQ about COVID-19 fraud. https://insurance.kansas.gov/

Kathy has a Bachelor of Business degree from Cameron University, Lawton, Oklahoma and she has completed industry examinations for Series 7, 63, 24, 9 & 10. Kathy serves on the Investment Adviser Operations Committee for the North American Securities Administrators Association (NASAA).

Kathy will talk about:

  • questions to ask when interviewing and choosing a financial planner and other financial advisors
  • how to determine your personal “risk factor” for investing
  • differences between stocks, bonds and mutual funds – benefits of plans (IRA’s, 401K, others)
  • fraud – where and how to report potential cases of fraud

On-line chat and Q/A

Monday, October 19, 2020

6:00 – 7:00 PM

Why Insurance Is A Must Have Expense

Lee Modesitt, Director of Government Affairs

Kansas Department of Insurance

In 1871, the Kansas Legislature established a Department of Insurance, long before most states regulated investments and insurance after the stock market crash of 1929 and the Great Depression that followed. Lee will talk about why insurance is a “must have expense” and give tips for taking some of the mystery out of researching what you need to know when buying insurance for your home and auto. Hear how the Kansas Insurance Department protects Kansans from fraud, including FAQ about COVID-19 fraud.

Lee received his undergraduate degree in political science from Kansas State University and his Master of Arts in Public Policy Analysis from Liberty University in Lynchburg, Virginia. Lee served nearly five years in the Topeka office of Congresswoman Lynn Jenkins prior to joining the Department of Insurance staff in January 2019.

Lee will talk about the meaning of terms such as:

  • “replacement cost”
  • “actual cash value” (of a vehicle, for example)
  • “collision or comprehensive coverage”

You will know:

  • How the Kansas Insurance Department is a resource for you.
  • Why insurance is important for renters as well as homeowners.
  • FAQ about COVID-19 regarding insurance and securities. https://insurance.kansas.gov/

On-line chat and Q/A

Watch Now

Sponsored by:

All women attending the free Women & Money Day are also eligible for a free credit report review or full consumer credit counseling session with a HCCI Certified Housing and Credit Counselor.  Call 800-383-0217 to schedule an appointment by phone, video conference, or at a HCCI’s offices in Lawrence, Topeka or Emporia.


See how HCCI counseled a Manhattan couple who paid back $118,000 to credit card companies. 

How does this happen?

They are good people who have worked hard all their lives, paid their bills on time but never really used a budget to save for the things they wanted. Read more.

*Contact lcrabtree@hcci-ks.org for any questions.

The information I received from this program helped make [my move] possible. I sold my house here and have bought one in Arizona. I referred to my books for help in making decisions for the move. I am stronger than I knew from having the information presented during these classes. Please keep having the classes and recruiting the best presenters possible. You make women stronger and more confident and that means everything today in this world where women must make decisions on their own. Keep up the good work.
Doris S.
I finally did make a will. Thanks to Women & Money.
Anna F.
After the investment class I started paying into an account at work. WOW. I now have $2,600 in that retirement fund.
Latisha S.

If you would like to submit a Women & Money testimonial, please click here.