Photo of Betty Yee with city of San Francisco in background. The great seal of the state of California.

FINANCIAL SKILLS DEVELOPMENT TOOLKIT FOR YOUTH & YOUNG ADULTS

The Toolkit for Youth & Young Adult Financial Skills Development is intended to introduce youth and young adults to available resources and information, and assist in the development of solid financial skills that will last a lifetime.

DEVELOPING FINANCIAL SKILLS

Resources to help develop financial skills such as money management, asset building, and retirement planning.

Alameda County Community Asset Network (Alameda County CAN)
Offers resources to increase the income and assets of Alameda County residents.
www.alamedacountycan.org/index.shtml

California Certified Public Accountant Education Foundation/Student Outreach Opportunities
Provides personal finance lessons on money management, careers, budgeting, savings and investing, managing credit, and insurance.
www.calcpa.org/Content/community/outreach.aspx

Creative Wealth International
Provides financial literacy workshops to children, teens, and adults.
www.creativewealthintl.org/index.php

Consumer Action
Advocates in the media, before lawmakers, and compares prices on credit cards, bank accounts, and long distance services.
www.consumer-action.org/

Jump$tart Coalition for Personal Financial Literacy
Encourages curriculum enrichment to ensure that basic personal financial management skills are attained during the K-12 educational experience.
www.jumpstart.org/

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SAVING AND ESTABLISHING GOOD CREDIT

Organizations, credit unions, and resources that can assist with saving options and establishing good credit.

AnnualCreditReport.com
Offers a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion free of charge.
https://www.annualcreditreport.com

Consumer Credit Counseling
Provides comprehensive financial counseling, education, and helps consumers achieve financial independence through debt reduction, homeownership, and improved money management skills.
https://www.cccssf.org/

Credit Union Directory
Offers a directory listing of 533 credit unions in California.
http://creditunionl.com/California_Credit_Unions.php

Credit Union National Association (CUNA)
Offers a variety of services including a local credit union locator, a youth savings challenge, and other financial resources.
www.cuna.org/index.html

Federal Trade Commission's Identity Theft Resources
Provides detailed information to help deter, detect, and defend against identity theft.
www.ftc.gov/bcp/edu/microsites/idtheft/

Mission SF Federal Credit Union
Facilitates economic revitalization and community development by providing financial services to Mission Area small businesses, community organizations, and individuals.
http://www.mission.coop/

National Foundation of Credit Counseling
Provides free and low-cost help from a trained, certified counselor who will assist you in determining the best options to meet your individual needs.
www.nfcc.org/

Reviews.com Credit Report
Provides reviews of 20 credit report sites
http://www.reviews.com/credit-report/

USA.gov (Teen Resources)
Provides official information and services from the U.S. government about an array of information and resources on a variety of financial topics for youth.
www.usa.gov/Topics/Teens.shtml#vgn-money-vgn

Youth Credit Union Network
Serves the youth constituency.
www.cdcu.coop/i4a/pages/index.cfm?pageid=285

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TURN YOUR HOBBY INTO A BUSINESS

Organizations and resources that are dedicated to teaching youth and young adults about entrepreneurship, business, and positive youth activities.

Junior Achievement (JA)
Educates students about workforce readiness, entrepreneurship, and financial literacy through experiential, hands-on programs.
www.ja.org/

U.S. Department of Commerce
Fosters, promotes, and develops the foreign and domestic commerce of the United States.
www.commerce.gov/

Youth Venture
Encourages a global movement of young people making change in their local communities.
www.genv.net/

KEY BUSINESS CONTACTS

To assist with the various requirements for operating a business in California, Resources to Assist California Businesses has been prepared for your reference.

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FILE FOR YOUR INCOME TAX REFUND

Information from federal and state tax administration agencies about filing income tax returns and getting a tax refund.

California Tax Service Center
Providing federal and state resources for information and online filing, and other assistance for small business.
www.taxes.ca.gov

U.S. Internal Revenue Service (IRS)
Federal income and payroll taxes specifically business and self employed taxpayers.
www.irs.gov/ or 800-829-4933

Franchise Tax Board (FTB)
State income tax and information about business entity type.
www.ftb.ca.gov or 800-852-5711

FINANCIAL AID, EMPLOYMENT, AND VOLUNTEER RESOURCES

Information about college financial aid and employment resources, apprenticeship programs, volunteer opportunities, and youth commissions.

FINANCIAL AID

California Student Aid Commission
Provides information on education beyond high school and financial assistance to all Californians.
www.csac.ca.gov/

FinAid!
Provides a comprehensive source of student financial aid information, advice and tools.
www.finaid.org/

Free Application for Federal Student Aid (FAFSA)
Supports postsecondary education by providing money for college to eligible students and families.
www.fafsa.ed.gov/

Grants.gov
Provides access to annual federal and state awards on over 1,000 grant programs.
www.grants.gov/

ScholarShare (California’s 529 College Savings Plan)
Provides a tax-advantaged way to save for college.
https://www.scholarshare.com/

EMPLOYMENT & VOLUNTEER OPPORTUNTIES

Americorps
Offers opportunities for adults of all ages and backgrounds to serve through a network of partnerships with local and national nonprofit groups.
www.americorps.gov/Default.asp

California Conservation Corps
Provides young women and men the opportunity to protect and restore California's environment by learning how to respond to disasters.
www.ccc.ca.gov/

California Volunteers
Manages programs and initiatives aimed at increasing the number of Californians engaged in service and volunteering.
www.californiavolunteers.org/index.php

California YouthBuild Coalition
Advocates for increased resources, programs, and public involvement to enhance job training, education, and leadership development opportunities for low-income youth in California.
www.youthbuildca.org

Job Star San Francisco
Provides a San Francisco area job search guide for youth from the local public library.
http://jobstar.org/adjobs/summer.php

Peace Corps
Provides information about the Peace Corps, its services, and activities.
http://www.peacecorps.gov/volunteer/

SF YouthWorks
Provides participants in career-oriented internships in one of over 30 departments of the City & County of San Francisco.
sfyouthworks.org

U.S. Forest Service Northern California Consortium
Provides an environmental education, outreach, and recruitment program for students sponsored by the Forest Service, Pacific Southwest Region.
www.fs.fed.us/r5/ncc/

Youngworkers.org
Offers resources to prevent California's young workers from being injured or killed on the job.
www.youngworkers.org/home.htm

APPRENTICESHIPS
An array of union apprenticeship, Journey level, and related training services programs in California.

Bricklayers and Allied Craftworkers Local 3 California
http://bac3train.com/

The California Apprenticeship Coordinators Association
www.calapprenticeship.org/

The California Automotive Apprenticeship Program
www.autoapprenticeship.com/

The Carpenters Training Committee for Northern California
www.ctcnc.org/

Fresno Area Electrical Training Center
http://fresnojatc.org/

International Union of Operating Engineers Local 39 Training Department
www.local39training.org/

The Northern California Cement Masons JATC
www.norcalcementmasonsapprenticeship.org/

Northern California Valley Sheet Metal Workers' Heating & Air Conditioning
www.sheetmetaltraining.com/

The Northern California Surveyors Joint Apprenticeship Committee (NCSJAC)
www.ncsjac.org/

Roofers Local 95
www.roofer95.com/index.htm

The San Francisco Joint Apprenticeship and Training Committee (JATC)
http://sfelectricaltraining.org/

Sprinkler Fitters San Francisco Bay Area
www.sprinklerfitters483.org/mission-statement.asp

Union Millwrights and Machine Erectors
www.unionmillwright.com/

YOUTH COMMISSONS
The Youth Commissions provide programs and services to improve the life of school-age children and their families, through policy, information gathering, and civic engagement activities.

Benicia Youth Commission
http://beniciaca.govoffice2.com/index.asp?Type=B_BASIC&SEC=%7B082DCC1A-F551-4422-8517-7FFC88DB246A%7D

Berkeley Youth Commission
http://www.ci.berkeley.ca.us/Clerk/Commissions/Commissions__Youth_Commission_Homepage.aspx

Los Altos Youth Commission
http://www.losaltosca.gov/youthcommission

Los Gatos Youth Commission
www.town.los-gatos.ca.us/index.aspx?NID=287

Oakland Youth Commission
http://www2.oaklandnet.com/Government/o/DHS/s/YouthYoungAdults/index.htm

San Francisco Youth Commission
http://www.sfbos.org/index.aspx?page=5585

San Mateo Youth Commission
http://www.bethedifference.org/smcyc/

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ADDITIONAL RESOURCES

National and state resources for youth.

California Jaycees
Seeks to create positive change in the community.
www.cajaycees.org/

California Youth Crisis Line
Offers a toll free, 24-hour, confidential phone line available to young people between the ages of 12-24, and concerned friends and family members.
www.youthcrisisline.org/ 1-800-843-5200

Coleman Advocates for Children and Youth
Advocates for children, youth, and families in San Francisco.
www.colemanadvocates.org/

Gay-Straight Alliance Network
Connects school-based Gay-Straight Alliances (GSAs) to each other and community resources.
www.gsanetwork.org/

National Runaway Switchboard
Helps to keep America's runaway and at-risk youth safe and off the streets.
www.1800runaway.org/

National Youth Rights Association (NYRA)
Provides youth rights education, works with public officials and empowers young people to work on their own behalf.
www.youthrights.org/

Youth Speaks
Assists the next generation of leaders, self-defined artists, and visionary activists through written and oral illiteracies.
www.youthspeaks.org/

Toolkits