The MoneySmart@your library program is designed to provide financial literacy programs in DCLS member libraries. Target areas include: basic finances, family finances and introduction to investing.

MoneySmart is a cooperative program with the Delaware County Library System and the Library Foundation of Delaware County. It is made possible by grant from the FINRA Investor Education Foundation and the American Library Association

Help Our Grant Be Successful - Take the MoneySmart Survey

New Financial Books added through the grant

New Financial E-books added through the grant

2013 MoneySmart Programs:

Download the complete Spring Program Brochure

Take the AARP Money IQ Quiz
Learn about state financial institutions

Money As You Grow is a tool to educate kids and families about money and has 20 essential, age-appropriate financial lessons with activities for all age groups

Play $ave $teve to start learning about money.

The Delaware County Library System acknowledges the Chesapeake Public Library System for producing $ave Steve, made possible by a grant from the FINRA Investor Education Foundation through Smart investing@your library® a partnership with the American Library Association.

FinanciallySmart: A two-part workshop presented by CLARIFI (formerly CCCSDV)

Part 1
Show Me My Money: a budget and management workshop
• Learn how to take charge of your financial well-being.
• Learn to follow the proper steps toward saving for a better future.
• Become aware of the “why behind the buy.”
• Learn how to identify spending habits, set financial goals and develop spending plans that make sense.

Part 2
Good Credit for Life
• Learn the importance of viewing credit as an essential asset-building tool.
• Get an overview of the most commonly used language in the credit industry, types of credit available and the associated costs.
• Learn the steps to establish credit.
• Learn how to determine how much debt to take on.
• Learn how to develop a recovery plan when overwhelmed.

FinanciallyHers: Presented by CLARIFI (formerly CCCSDV)
This is a four-week program specifically for women. “More than just the do’s and don’ts of finance, FinanciallyHers empowers women to identify the personal motivations and beliefs that influence how they manage their finances. Once
you better understand what drives your money decisions, you can put
together an effective plan to meet your financial goals.”

Evaluating and/or Choosing a Broker*
My Confusion – Stockbroker, registered representative, investment adviser, financial planner. What do all these titles mean?
• Learn what these job titles mean and the types of services they provide.
• All investment professionals are required to be registered with the Pennsylvania Securities Commission. Find out how to confirm this and obtain a free background check.
• Learn the “suitability obligation” of a registered representative/stockbroker and the “fiduciary responsibility” of an investment adviser representative toward their clients.
• Commission? Fee only? Percentage of assets under management? Understand the compensation methods.

Investment Scams* My, Oh My! Weapons and deceptions scam artists use.
• I receive the postcards in the mail. What are those financial “free lunches” all about?
• Retirement specialist. Senior specialist. What do these titles really mean?
• Learn about the weapons and deceptions the financial scam artists have in their arsenals.
• Protect yourself and even your senior parents from fraud.

Reverse Mortgages and Other Investment Opportunities*
My Goodness! I can’t ignore these investment opportunities, right?
• Reverse mortgages and annuities. Investment opportunities I need to consider?
• Oil, natural gas, “green” technology and gold! These investment opportunities and resources continue to make a big splash in the headlines. Are these too good to be true?
• Learn about scams involving natural gas drilling wells in the Marcellus Shale.
• Be aware of the top 10 investment scams in Pennsylvania and how to avoid them.

*Refreshments will be served at these three workshops.