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15 August 2005 

To everyone that has come to ReferenceWork via Greg Schwartz's Open Stacks - Welcome! Thanks to Greg for posting my submission to the Carnival of the Infosciences #2.

In today's post, I want to suggest a program for your library that I feel is important to the workforce - namely, financial literacy. An odd choice, but considering your job provides you with your income, it is important for your well-being to be in control of your finances. Many people believe a better job will mean more money and a better quality of life. However, if you earn $100,000 and spend $120,000, you are still going to be in debt. Interestingly enough, more companies are beginning to check your credit score when considering your application for a position. Apparently, your financial situation is an indication of how responsible a worker you are. I am not sure if anyone has been turned down from a job because of a bad credit score.

The good news is that with topics like "credit", "bankruptcy" and "identity theft" getting so much press, many banks and credit unions are providing free workshops that are funded by the federal government to improve financial literacy. Amongst the groups I have spoken to, they have used the "Money Smart" program that is put together by the FDIC. Check with your local bank or credit union for more details.

Authors like Dave Ramsey, Robert T. Kiyosaki and so on have made their fortunes instructing others on how to become financial independent. If that is an indication that such information is deemed desirable, why not have financial workshops at your library - especially since they are free and taught by financial counselors.

Note: Talk to the counselors ahead of time to ensure that they are only giving out information about financial literacy and not taking personal information to sign up people for their own banks/credit unions services. I have not had this problem with the groups I work with, but better safe than sorry!

Hey, nice info! I'm definitely going to bookmark you!
I have a credit card debt site. It pretty much covers credit card debt related stuff.
Come by and check it out later :-)

Hi,
Do think you could get a banker's desire to force money into your laps?

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Hi,
Found your Blog by chance - Great Stuff.
If anything relating to business credit card interests you, please drop by at business credit card.
You'll find some good information.

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