REAL Solutions 2009 Resources

REAL Solutions Recordings & Resources

Topic: Payday Alternative Loans (PALs) Basics

     Handout - The World of Payday Lending
     Audio Recording - The World of Payday Lending (approx. 40 min)

     Handout - Overview of PAL Models
     Audio Recording - Overview of PAL Models (approx. 35 min.)

Topic: Payday Alternative Loans (PALs) Advanced

     Handout - PAL Model - Good Money from Prospera CU (WI)
     Handout - PAL Model - Stretch Pay CUSO (OH)
     Handout - PAL Model - CU Custom Program
     Audio Recording - PAL Advanced (approx. 1 hr. 15 min.)

Topic: Building Partnerships

     Handout - Building Partnerships Overview
     Handout - Case Study - Cambridge Portuguese CU
     Audio Recording - Building Partnerships (approx. 1 hr. 5 min.)

Topic: Youth Outreach

     Handout - Establishing In-School Branches
     Audio Recording - Establishing In-School Branches (approx. 40 min.)

     Handout - Biz Kid$ Educational Materials
     Audio Recording - Biz Kid$ Educational Materials (approx. 40 min.)

     Handout - CU4Reality Program (Reality Fair)
     Audio Recording - CU4Reality Program (approx. 20 min.)

     Handout - Mad City Money Program (Reality Fair)
     Handout - Mad City Money article
     Audio Recording - Mad City Money Program (approx. 13 min.)

Topic: Volunteer Income Tax Assistance (VITA)

Handout - VITA Program
Audio Recording - VITA Program (approx. 20 min.)

Topic: Foreclosure Assistance

Handout - Foreclosure Assistance
Audio Recording - Foreclosure Assistance (approx. 45 min.)

Handout from in-person meeting - VITA Results from CUs 2009

Topic: Predatory Auto Loan Alternatives

Handout - Predatory Auto Loan Alternatives
Audio Recording - Predatory Auto Loan Alternatives (approx. 20 min.)

Topic:  Second Chance Checking Accounts

     Handout - none
     Audio Recording - Second Chance Checking Accounts (approx. 20 min.)

Topic: Immigrant Outreach

     Handout - none
     Audio Recording - Immigrant Outreach - Basics (approx. 23 min.)

     Handout - Hispanic Opportunity Navigator
     Audio Recording - Hispanic Opportunity Navigator (approx 55 min.)

REAL Solutions Introduction - 2009
A webinar was held on January 7, 2009 to introduce the program to credit unions. An audio recording of this session is available (use link below) for use at CU staff and board meetings. Handouts for the presentation are available using the links below:

     RS Introduction 2009 Handouts - Black & White (smaller file, faster
          printing)
     RS Introduction 2009 Handouts - Color (larger file, slower printing)
     RS Introduction 2009 Audio Recording of Webinar (note: first minute of
          recording is VERY quiet; session lasts approx. 30 min.)

Handouts from 2008 REAL Solutions Meetings

Topic: Diagnostic Interview Results & FAQs

Diagnostic Interview Results Handouts

REAL Solutions FAQ (Frequently Asked Questions)

Topic: Payday Lending Alternatives

The World of Payday Lending - Heather Kline's presentation

Prospera Credit Union presentation

Community Plus Federal Credit Union presentation

Community Plus FCU Emergency Loan Policy

Community Plus FCU Emergency Loan Application Form

CEFCU presentation

Topic: VITA Program & Asset Building