Home & Family FinanceTM Radio
"It's your home; it's your money, it's your future."
We welcome you as a listener to Home & Family Finance Radio, a weekly one-hour program that
offers helpful information and advice on the consumer finance issues most important to you--retirement,
education, budgeting, buying a home, and much more! Each week host Paul Berry talks to money experts
from around the nation with an emphasis on what it all means to you, the average consumer. And we want
to hear from you as well; email your questions to Paul at
HFFradio@creditunion.coop Home & Family Finance
Radio airs Sundays at 3:00 p.m. Eastern on the Radio America network.
Home & Family Finance is presented by America's Credit Unions and CO-OP Network, the national
credit union ATM network.
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Financial Education/Literacy:
May 4, 2008 - How bad can American's knowledge of basic finance skills really be? 40% of Americans say they live beyond their means; the savings rate dipped to a NEGATIVE in 2005; half of all Americans live
paycheck to paycheck. Becky Hart, vice president, public affairs, with the Ohio Credit Union League, talks about financial education resources available to everyone.
Listen on-line or
download the mp3 file
Pay Day Lending:
May 4, 2008 - Bill Burke, president and CEO of Day Air Credit Union, in Dayton, Ohio; and Doug Fecher, president and CEO at Wright-Patt Credit Union in Fairborn, Ohio talk payday lending. What is it? Who
uses these lenders? Where are these lenders found? What fees are involved? How does payday lending increase consumer debt? What are the alternatives?
Listen on-line or
download the mp3 file
Financial Elder Abuse:
May 4, 2008 - The dynamics of financial elder abuse are described by Beverly Laubert, the Ohio state long-term care ombudsman, in the Department of Aging's Elder Rights Division. Discussed are: how to
recognize warning signs of exploitation; prevention tips; reporting requirements; and resources for older adults.
Listen on-line or
download the mp3 file
Resources for Small Businesses:
May 4, 2008 - You want to start your own business without making costly mistakes. In this discussion, Iris Cooper, director of entrepreneurship and the small business division, for the Ohio Department of Development, lists the first steps typically taken; financial resources; and pitfalls and scams small business owners should avoid.
Listen on-line or
download the mp3 file
Questions from the Audience: Listen on-line or
download the mp3 file
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Summer Vacation Tips That Save You Money:
April 27, 2008 - Elizabeth Kiss, extension specialist for family resource management, Department of Consumer
Science and Retailing, Purdue University, West Lafayette, Ind.
Listen on-line or
download the mp3 file
Fraud Protection at Your Bank or Credit Union:
April 27, 2008 - Bill Freer, risk manager, Co-op Financial Services, Rancho Cucamonga, Calif.
Listen on-line or
download the mp3 file
Financial Stress: How It Impacts Employees in the Work Place:
April 27, 2008 - Dr. Tom Garman, president, Personal Finance Employee Education Foundation, Summerfield, Fla.
Listen on-line or
download the mp3 file
Additional Resource: www.ethomasgarman.net
Patient Advocates:
April 27, 2008 - Meg Gaines, clinical professor of law, and founder and director, Center for Patient Partnerships,
University of Wisconsin, Madison, Wisc.
Listen on-line or
download the mp3 file
Additional Resource: http://law.wisc.edu/patientadvocacy
Listener Q & A:
April 27, 2008 - debit/credit card safety tips for teens; protect your Social Security number; finding the
best credit/debt counseling agency for you; sticking to a budget and saving extra cash
Listen on-line or
download the mp3 file
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Money Traps:
April 20, 2008 - Six money tasks that help you gain control and management of your personal finances. Irene Leech,
associate professor and extension specialist, Consumer Education, Virginia Tech, Blacksburg, VA
Listen on-line or
download the mp3 file
NEW Tips for Families – Protect Your Family From Identity Theft:
April 20, 2008 - identity theft is America’s fastest growing crime. Seniors and children are frequent victims,
so share these tips with elderly neighbors and those with young families. Post this short list of practical tips at home
to help protect sensitive information from risk of fraud. Adam Levin, chairman, Identity Theft 911, and former director,
New Jersey Division of Consumer Affairs, New York City, N.Y.
Listen on-line or
download the mp3 file
Additional Resource: www.identitytheft911.org
The New Math of Credit Scores:
April 20, 2008 - What is new about the latest way your credit score is calculated and why is it important to you?
Julie Wooding, senior manager, Fair Isaac, San Rafael, Calif.
Listen on-line or
download the mp3 file
Additional Resource: www.myfico.com/crediteducation/brochures.aspx
Four Steps to Triple Your Returns:
April 20, 2008 - Paul Merriman, founder and director, Merriman, Berkman, Next, author of Live It Up Without Outliving
Your Money, and publisher and editor of the educational web site FUNDADVICE.COM Seattle, WA.
Listen on-line or
download the mp3 file
Additional Resource: www.fundadvice.com (see article on home page: 4 Easy Steps to Better Returns)
Go Green for Youth Week:
April 20, 2008 - Money, and saving and managing it, are at the heart of this year’s Credit Union Youth Week. Joanne
Sepich, youth week coordinator, Credit Union National Association, Madison, Wisc.
Listen on-line or
download the mp3 file
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Will You Be a Middle Class Drop-Out?:
April 13, 2008 - The gap between the haves and have-nots in our country is widening. Walter Dartland, executive director
of the Consumer Federation of the Southeast, in Tallahassee, Florida, says the items middle class Americans are using credit cards
to purchase are changing. Consumers are charging for necessities more than ever before, resulting in greater debt—debt which
threatens to dump 2/3 of Americans out of the middle class.
Listen on-line or
download the mp3 file
Tax Tips for Procrastinators:
April 13, 2008 - - Eric Smith, national spokesman, Internal Revenue Service, Washington, DC
Listen on-line or
download the mp3 file
Additional Resource: www.irs.gov
Check Imaging and Other Ways to Improve How You Make Deposits:
April 13, 2008 - - Chris Kruger, an account executive with Co-op Financial Services in Ontario, California describes the
technology involved in check imaging, making envelope-free deposits at your ATM, and even making deposits from home.
Listen on-line or
download the mp3 file
Sleep Problems & Job Performance: What It Can Cost You & the U.S. Economy:
April 13, 2008 - Dr. Barry Krakow, an internist in Albuquerque, New Mexico, is a sleep specialist and author of “Sound
Sleep, Sound Mind: 7 Keys to Sleeping Through the Night”. His research points to factors that keep you from getting the right
amount of quality sleep, how this affects your cognitive ability, and what you can do (without drugs) to improve the quantity
and quality of the sleep you need for physical, mental and emotional health.
Listen on-line or
download the mp3 file
Additional Resource: sleeptreatment.com and
http://sleeptreatment.com/Pathway-1/Book-News/Sound-Sleep-FAQ/menu-id-1079.html
Planning Your Vacation: Listener’s Best Money Management Tips:
April 13, 2008 - Susan Tiffany, director of personal finance information for adults, CUNA, Madison, Wisconsin
Listen on-line or
download the mp3 file
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How Will You Live When You’re Old: Housing Alternatives for an Aging America:
April 6, 2008 - With the graying of the baby boomer generation, America faces a new housing challenge. Boomers will want homes
minus the barriers, which they prevent them “aging in place”; they will seek homes with universal design in mind. Anne Sweaney, PhD, a
professor and head of the Department of Housing and Consumer Economics, in the College of Family and Consumer Sciences, at the University
of Georgia, discusses housing alternatives from retirement communities to university campuses to modifying interiors of current homes.
Listen on-line or
download the mp3 file
REAL I.D. Will the United States Have a National Identity Card? Is it a REAL Nightmare?:
April 6, 2008 - 2008- NCUA Vice Chairman Rodney Hood discusses recent changes in deposit insurance coverage and how they affect
consumer accounts at federally insured banks and credit unions. He further presents information about the National Credit Union Share
Insurance Fund.
Listen on-line or
download the mp3 file
Additional Resource: www.ncua.gov
Economic Stimulus Package: How Much Money Will You Get and What Do You Do to Get It?:
April 6, 2008 - If you file a 2007 federal income tax return, you will get your share of the government dollars
intended to give the U.S. economy a boost. Not everyone was a wage earner—retirees, the disabled among others—but they
are also eligible to receive money if they follow the steps detailed by Bonnie Speedy, vice president and tax-aide national
director for AARP.
Listen on-line or
download the mp3 file
Additional Resource: Stimulus
Payment Tool AARP Tax-Aide and National Council on Aging
IRS Economic Stimulus Payment Calculator
Get Better Mileage from Your Fuel Dollars – Listener Money Management Tip:
April 6, 2008 - Susan Tiffany, director of personal finance information for adults, CUNA, Madison, Wisc
Listen on-line or
download the mp3 file
www.carquotes.com
Host Paul Berry Answers Your Questions:
April 6, 2008Saving for Back-to-School purchases; sales tax holidays; “Do-What-You-Enjoy” summer money makers for teens; business
trends for entrepreneurs.
Listen on-line or
download the mp3 file
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Contribute the Maximum Amount to Your 401(k) That is Matched by Your Employer:
March 30, 2008 - This money management idea from listener Cathy reminds us to not pass up this great
benefit. Only 36% of workers in 2004 participated in 401(k)s and similar accounts when offered, according to a
GAO [Government Accountability Office—2004 Numbers] report. Cathy said it’s like throwing away free money!
Guest:Susan Tiffany, director of personal finance information for adults, CUNA, Madison, Wisc
Listen on-line or
download the mp3 file
REAL I.D. Will the United States Have a National Identity Card? Is it a REAL Nightmare?:
March 30, 2008 - What will be the financial and social cost to implement a nation wide identity card? And is this
what we want for America? Guest: Stephen Hannan, executive director, Maryland Consumer Rights Coalition, Baltimore
Listen on-line or
download the mp3 file
Additional Resource: www.dhs.gov/xprevprot/laws/gc_1172767635686.shtm and
www.ncsl.org/realid
A REAL I.D. Follow Up: The Department of Homeland Security announced Wednesday, April 2, that all 50 states and the
District of Columbia will be technically Real ID-compliant by the May 11, 2008 deadline--even though many states actually
have rejected the concept and have zero plans to embrace a national ID card.
Is a Reverse Mortgage Right for You?:
March 30, 2008 - More and more seniors unable to keep up with escalating living expenses have begun exploring
reverse mortgages, where they draw equity from their paid-off homes and continue living there with no monthly payments.
Although reverse mortgages make sense for some people – especially those on fixed incomes who want to remain in their
homes as long as possible – they have complex rules and hefty upfront costs, so look carefully before you leap. Guest:
Jason Alderman, director, Issues Management, Visa USA, San Francisco
Listen on-line or
download the mp3 file
Additional Resource: Top 10 Things to Know about Reverse Mortgages
How Auto Auction Prices Influence What You Pay for a Vehicle:
March 30, 2008 Black Book provides auto valuations for used car
pricing around the country. It bases prices on actual auction sales--there are huge auctions where big car dealers bid on
used cars and those bids help set the wholesale and retail prices for used cars. Guest: Ricky Beggs, vice president and
managing editor, Black Book Guides
Listen on-line or
download the mp3 file
www.carquotes.com
Host Paul Berry Answers Your Questions:
March 30, 2008 Co-signing a loan; managing bills and financial documents; credit cards and college students
Listen on-line or
download the mp3 file
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How to Avoid Common Mistakes Most Investors Make:
March 16, 2008 - Don’t lose your shirt with bad investments! Avoid common mistakes most investors make.
Paul Merriman, founder and director of Merriman Berkman Next, identifies the pitfalls and what you can do to
grow your money.
Listen on-line or
download the mp3 file
Additional Resource: www.fundadvice.com
Divided We Fail:
March 16, 2008 - If you want good health care and long-term financial security, hear what Lisa Davis, attorney and
director of public education in AARP’s Office of Social Impact, has to say about the Divided We Fail Campaign. Learn more
about this effort! It is important for your well-being now and in the future.
Listen on-line or
download the mp3 file
Additional Resource: www.aarp.org
Estate Planning:
March 16, 2008 - Birds do it, bees do it, even educated fleas do it…Let’s face it: one day you will die. Wrong lyrics,
but before you get one day older, listen to attorney Mary Randolph with estate planning basics on wills, trusts, estate taxes
and more. Mary has authored several books as vice president of editorial for NOLO, the nation's oldest provider of legal
information for consumers.
Listen on-line or
download the mp3 file
Additional Resource: www.nolo.com
Disaster Preparedness:
Pay attention! If you don’t have your personal or family disaster plan ready
to put into action, if you can’t lay your hands on items critical to your survival and move to safety within a
few minutes, you need to prepare now. Dr. Joyce Cavanagh associate professor and extension family economics specialist
with Texas Cooperative Extension, The Texas A&M University System, talks disaster preparedness and what you should
have in your grab ‘n go box.
March 16, 2008
Listen on-line or
download the mp3 file
texasextension.tamu.edu
Listener Q & A: Appealing property tax assessments; online shopping; private mortgage insurance: is it
deductible? Host Paul Berry answers your questions.
March 16, 2008
Listen on-line or
download the mp3 file
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All three guests on this special Home & Family Finance Radio show, taped during the Credit Union National Association’s
Governmental Affairs Conference in Washington, DC, have one goal: Help you make sense of the mortgage crisis and know
where to turn if you're in trouble.
Securities Impact on Mortgage Lending:
March 9, 2008 - Dwight Johnston, vice president—economic and market research, WesCorp, San Dimas, Calif.
Listen on-line or
download the mp3 file
State of Mortgage and Housing Markets:
March 9, 2008 - Mike Schenk, vice president—economics and statistics, CUNA, Madison, Wis.
Listen on-line or
download the mp3 file
Help for Homeowners:
March 9, 2008 - John Snyder, homeownership specialist, NeighborWorks America, Washington, D.C.
Listen on-line or
download the mp3 file
Additional Resource: www.nw.org/Network/neighborworksProgs/foreclosuresolutions/default.asp
www.hud.gov/foreclosure/index.cfm
Open Panel Discussion: Host Paul Berry leads an open dialogue with this week’s guests
March 9, 2008
Listen on-line or
download the mp3 file
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REBROADCAST FROM EARLIER DATE
Saving for College:
December 16, 2007 - “Families have competitive savings needs – retirement, buying a
home, vacations…saving for college can get squeezed out,” says Joe Orsolini, president of
College Aid Planners, Inc., in Glen Ellyn, Illinois. Are you saving? No? Flexibility is the
key to successful college savings. Orsolini describes a variety of savings plans, financial
aid reform recently passed by Congress, coordinating saving with tax credits and more.
Listen on-line or
download the mp3 file
Additional Resource: www.notpayingforcollege.com
Financial Education & the High School Student:
December 16, 2007 - Lisa Moore, a teacher of the High School Financial Education Program
developed by the National Endowment for Financial Education (NEFE) and two of her students, Hala
Salouane and Sam Burton, join host Paul Berry in a lively discussion on the merits of youth
financial education. Students from the Arlington Career Center, in Arlington, Virginia, enrolling
in this elective program are amazed at how little they knew and what they now know about money
management. It isn’t pennies from Heaven. It’s budgeting, investing, using credit wisely—Hala
and Sam will fill you in!
Listen on-line or
download the mp3 file
Additional Resource: www.nefe.org
Investment Strategies for a Volatile Market:
December 16, 2007 - Joe Saari, publisher of The Educated Investor, says you can thrive,
not just survive, in a volatile market. CEO of Precision Information in San Diego, California,
Saari’s practical strategies will motivate you to become a more educated investor. It is market
volatility (change in prices) that creates buying opportunities and leads to the more attractive
long-term gains of 8% to 10% or more that we have seen on average for last 100 years.
Listen on-line or
download the mp3 file
Additional Resource: www.educatedinvestor.com
Freezing Your Credit:
December 16, 2007 - A security freeze gives you the choice to "freeze" or lock access to
your credit file against anyone who may be trying to open up a new account or to get new credit
in your name. When a security freeze is in place at all three major credit bureaus, an identity
thief cannot open a new account. This is one of the benefits of freezing your credit file. John
Ulzheimer, president of Credit.com Educational Services in Atlanta, Georgia, has the pros and
cons: should everyone freeze their credit; are there times when you should not? Ulzheimer gives
you the facts, so you can make an informed decision about your credit file.
Listen on-line or
download the mp3 file
Additional Resource: www.credit.com
Listener Email Questions:
December 16, 2007 - Support team for new business; making a bigger impact on your retirement
nest egg; how not to have your estate tied up in probate; filing a property tax assessment appeal.
Listen on-line or
download the mp3 file
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Click here to learn more about America's credit unions and
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About Paul Berry: With more than 32 years of media experience, Paul Berry is one of Washington's most
respected journalists. He has hosted his own daily radio talk show in Washington, DC AM570 WTNT,
where he discussed local and national issues with newsmakers, journalists, and Washingtonians. Paul was
senior anchor for WJLA's 5, 6, and 11 pm newscasts in Washington DC. Berry joined ABC-7 in 1972 from his
native city of Detroit where he spent four years as an anchor/reporter at the ABC owned outlet WXYZ.
Previously, Berry completed a broadcast training program with the Armed Forces Radio and Television Service
while stationed in Vietnam. After completing his training, Berry was assigned to the Tuy Hoa Air Force
installation where he worked as Program Director and Sportscaster. It was here that Berry established the
first independent FM radio station in South Vietnam. Over the years, Berry has been recognized countless
times for his relentless work and commitment to the community. In 1982, Berry was named the unanimous
winner of the National Academy of Television Arts and Sciences Ted Yates award, given to the
individual who has demonstrated outstanding professional and personal qualities in their contribution
to Washington television news and public affairs.
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America's credit unions and the Credit Union National Association express their appreciation to our
program's national sponsors:
For more information, contact:
Mark Wolff, Senior Vice President-Communications
Credit Union National Association, Washington, DC
202-638-5777 or mwolff@cuna.coop
We want to hear from you; email your questions to host Paul Berry at
HFFradio@creditunion.coop
Copyright © 2008 - Credit Union National Association, Inc.
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