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Description automatically generated" v:shapes="Picture_x0020_3"><![endif]><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A
2021 Federal Reserve study stated that 32% of adults don’t have enough savings to cover a $400 emergency expense. Financial literacy tools can help everyone plan for the unexpected, as well as a brighter future. Several
</span><a href="https://mel.org/az.php?p=1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">eResources</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif"> in the
</span><a href="https://mel.org/welcome"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Michigan eLibrary</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif"> (MeL) provide knowledge and insight to help both young and young
at heart learn to better manage our financial lives.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Budgeting and Saving<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Having an emergency fund is a good way to prepare for unexpected costs. In
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=f6h&jid=HB4&site=ehost-live"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Kiplinger’s
Personal Finance</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif"> from
</span><a href="https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?database=ebsco-f6h"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">MasterFILE Complete</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">,
“</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=f6h&AN=134982802&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">De-Risk
Your Finances</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">” offers ideas to help prepare for furlough, layoff, or even job loss. Educating children from a young age about how money works, including budgeting and saving, can be a
helpful step toward future financial independence. The </span><a href="https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?database=ebsco-e700xna"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">eBook Public Library Collection</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">
has eBooks to help children and teens navigate important money-related topics including
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=2712916&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Building
a Budget and Savings Plan</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">,
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=2951030&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Teen
Guide to Financial Literacy</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">, and
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=2238641&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Financial
Literacy for Gen Z: A Practical Guide to Managing Your Financial Life</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">. Adults and entrepreneurs might consider
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=1532062&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">The
Memo: Five Rules for Your Economic Liberation</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">,
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=2628976&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Money-Smart
Solopreneur: A Personal Finance System for Freelancers, Entrepreneurs, and Side-Hustlers</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">, or
</span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=e700xna&AN=1935887&site=ehost-live&scope=site"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">10
Ways to Manage Money</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Investing for the Future<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Once a safety net is established, planning for retirement might be a part of one’s goals. To better understand the wide variety of retirement savings plan options,
</span><a href="https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?database=ebscoprofile-sbrc"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Small Business Reference Center</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">
includes the NOLO Guide </span><a href="https://widgets.ebscohost.com/prod/customlink/proxify/proxify.php?count=1&encode=1&proxy=https://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?url=&target=https://search.ebscohost.com/login.aspx?direct=true&db=b9h&AN=151242315&site=sbrc-live"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">IRAs,
401(k)s & Other Retirement Plans (15<sup>th</sup> ed)</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">. This guide provides information about various retirement savings plans, as well as the rules that govern each type.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Library Programming Ideas<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">National Financial Literacy Month will be recognized in April 2024. Prepare to celebrate by planning programming for your community. Some ideas include:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoListParagraphCxSpFirst" style="margin-left:0in;mso-add-space:auto;mso-list:l0 level1 lfo1">
<span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif">Hold a financial literacy event for families with sharing from local experts such as financial planners, insurance agents, and bankers<o:p></o:p></span></li></ul>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoListParagraphCxSpMiddle" style="margin-left:0in;mso-add-space:auto;mso-list:l0 level1 lfo1">
<span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif">Design a financial literacy challenge that includes articles and eBooks from the
</span><a href="https://mel.org/az.php?p=1"><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif">MeL eResources</span></a><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif"> that patrons can read to be more
informed on a range of personal finance topics<o:p></o:p></span></li></ul>
<p class="MsoListParagraphCxSpMiddle"><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoListParagraphCxSpLast" style="margin-left:0in;mso-add-space:auto;mso-list:l0 level1 lfo1">
<span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif">Invite families of students who are preparing for college to learn about filling out the FAFSA form and demonstrate the Scholarship Finder in
</span><a href="http://widgets.ebscohost.com/prod/customerspecific/mel/auth.php?database=lex"><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif">EBSCO LearningExpress</span></a><span style="font-size:12.0pt;line-height:106%;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ul>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Each person’s financial life is different, so not every solution will fit every situation. However, libraries have always been considered valuable resources to the communities
they serve. By using the </span><a href="https://mel.org/az.php?p=1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">MeL eResources</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif">, we can help families understand how
to plan for stable financial futures.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:7.5pt"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">If you have any MeL eResources questions or issues, contact
</span></b><a href="mailto:melerhelp@mcls.org"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:blue;background:white;mso-ligatures:none">melerhelp@mcls.org</span></b></a><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">
for help.</span></b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:7.5pt"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">Brought to you by
<b>Laura Warren-Gross</b> from the MeL Team. </span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:7.5pt"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">Supporting Michigan Libraries by Putting You First. </span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:7.5pt"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">Want more information on MeL? Stay tuned for the next MeL Minute available
on many Michigan library listservs, visit </span><a href="http://mel.org/" target="_blank"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#2954D1;background:white;mso-ligatures:none">http://mel.org</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">,
or sign up for the MeL Minute and other Library of Michigan e-mail lists via </span><a href="https://public.govdelivery.com/accounts/MILOM/subscriber/new" target="_blank"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#2954D1;background:white;mso-ligatures:none">GovDelivery</span></a><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">.
We encourage you to share MeL Minutes with your colleagues and networks. </span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:7.5pt"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#333333;background:white;mso-ligatures:none">MeL eResources are available to Michigan residents or for Michigan library
or school access only. </span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;mso-ligatures:none">This project was made possible in part by the Institute of Museum and Library Services through the Library of Michigan.<o:p></o:p></span></p>
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<p class="MsoNormal" style="vertical-align:baseline"><b><span style="font-size:12.0pt;color:black;mso-ligatures:none">Laura Warren-Gross</span></b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline"><span style="color:#242424;mso-ligatures:none">MeL Engagement Specialist for Public Libraries</span><span style="color:#242424;mso-ligatures:none"> </span><span style="color:#242424;mso-ligatures:none"><br>
</span><span style="color:black;mso-ligatures:none">Midwest Collaborative for Library Services <br>
517-481-2022 </span><span style="mso-ligatures:none"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline"><u><span style="color:#0563C1;mso-ligatures:none">warren-grossl@mcls.org</span></u><span style="color:black;mso-ligatures:none"> </span><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
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