Client Success Stories
I think your organization is fantastic and sincerely thank you for helping me achieve a debt-free life. I am grateful that you are able to offer this service so others can enjoy its benefits! Thank you.
- John, California, April 2007

Springboard's Service to the Community

Springboard is committed to giving back to the community at large. As a nonprofit organization, we jump at any opportunity to present educational seminars, speak to college students or community groups, or make other personal appearances. (To find out where we'll be next, check out our Calendar of Events.)

Below are some of our community outreach events and appearances.

Springboard Receives $15,000 Grant from Bank of America

Springboard is the recipient of a $15,000 educational grant from the Bank of America Charitable Foundation. The grant will be used to support P.E.A.R.L.S., Springboard’s financial literacy education series geared towards women.  P.E.A.R.L.S. stands for Preserving, Earning and Acquiring Real Life Skills and consists of a series of workshops covering basic budgeting, using credit wisely and preparing for life’s stages.  The P.E.A.R.L.S. program also includes a Preparing for the Workforce Series which provides job readiness skills for the unemployed or underemployed.  The grant will sponsor workshops and one-on-one counseling designed to help women in the Inland Empire enhance their skills or prepare to re-enter the workforce.
 
Check presentation by Bank of America (“B of A”) to Springboard.  Springboard’s SVP Melinda Opperman (center) with check presented by Al Argüello, B of A Market President, Inland Empire (center, left) and David Hahn, SVP, B of A National Mortgage Outreach, California Region (center, right).  Team Springboard, standing (l to r), Sheri Stuart, Stephanie Ooley, Jennifer Rodriguez, April Landry and seated (l to r), Michelle Jones and Angelica Diaz.


National Protect Your Identity Week 2012

Springboard hosted a free community shred event on Saturday, Oct. 27, concluding a week of activities in support of National Protect Your Identity Week.  This is the third consecutive year that Springboard has hosted the event, which has become highly anticipated by local residents and businesses in Riverside and the surrounding communities. Cintas Document Management donated their shredding service for the third consecutive year. More than 5,000 lbs of paper from local residents and businesses were shredded in a safe and secure environment.  Partnering with Springboard for the second consecutive year was SmartRiverside, a city-run 501(c)(3) nonprofit organization that accepts e-waste, including old computers and computer monitors that are then refurbished and donated to seniors and students who do not have the financial resources to purchase new technology.

Springboard partnered with Cintas Document Management and SmartRiverside for a successful community shred event.  More than 5,000 lbs of personal documents were shredded in a safe and controlled environment. Pictured third from left is Sheri Stuart, Springboard’s Education Manager with team members from Cintas and

SmartRiverside.Cintas shredded 5,295 lbs of paper from local residents and area businesses.

Team members from SmartRiverside collected e-waste including old computers and computer monitors. 



Employee-Driven Charity Giveaway Helps Children and Families in Need
 
The start of the new school year will be brighter for many local children and families in need. Springboard and Springboard Solutions team members donated 144 new backpacks filled with school supplies to students receiving assistance from family shelters in Riverside, San Bernardino, Victorville, Hesperia and Upland.  This is the second consecutive year of the charitable backpack program, which is organized by Springboard’s S.E.R.V.I.C.E. committee, which held fundraisers throughout the year to raise funds to purchase backpacks for students enrolled in pre-school through 12th grade.  Employees also “adopted” students and purchased specific requested items such art supplies, pens, pencils, paper, rulers and markers for their student.  Springboard’s S.E.R.V.I.C.E. committee is comprised of volunteer team members who are dedicated to making a difference in the community, above and beyond their day-to-day job responsibilities at Springboard, a full service housing and consumer credit counseling agency.  Springboard contacted family shelters in the region that helped identify families needing the most assistance in providing back to school supplies for their children.  Springboard frequently collaborates with local nonprofit organizations and community stakeholders to provide important services to the community. 

Mary Cardenas, Senior HR Generalist, led the coordination of the charity backpack giveaway to students in Riverside and San Bernardino counties.

Ana Knowles, a Springboard Financial Counselor and member of the S.E.R.V.I.C.E. committee, helped deliver backpacks to children and their families receiving assistance from Community Action Partnership of Riverside.

(l to r) Mark Ver Planck, Victor Carrizalez and Corrie Williams of Springboard Solutions helped deliver the backpacks filled with new school supplies.  



2012 Youth Financial Literacy Poster Contest Winners Announced

Springboard is pleased to announce the winners of its annual Youth Financial Literacy Poster Contest.  This is the sixth year that Springboard has sponsored the contest, which provides area students an opportunity to express their creativity while gaining an understanding of important financial concepts. The contest is open to students in 3rd through 12th grade attending public and private schools in Riverside and San Bernardino counties.  The theme of this year’s contest is, “The Roadmap to Financial Freedom begins with…” The posters were judged on expression of theme, artwork, style, content and overall creativity.  The winners were recognized at a luncheon held in their honor at the Historic Mission Inn in Riverside.  Each winner was presented a trophy, certificate of achievement and a check for $200 from Springboard.  In addition, each student received a certificate of recognition from California State Assemblymember Wilmer Amina Carter (D-Rialto). Springboard President and CEO Todd Emerson presided over the awards luncheon. 

Serving the community this year as Springboard’s Youth Financial Literacy Poster Contest distinguished panel of judges are:

Raúl Bustillos, Bank of America
Marcelino Serna, San Bernardino City Unified School District
Kathy Gault – Arrowhead Credit Union
Adάn Gomez – California State Assemblymember Wilmer Amina Carter’s Office

Springboard congratulates this year’s poster contest winners: 

12th grade student Phillip Simeon Jackson, Silverado High School, Victorville
7th grade student Henachi Williams, University Heights Middle School, Riverside
4th grade student Robert Serna, North Park Elementary School, San Bernardino

Eight grade student Rosa Hernandez, also of University Heights Middle School, is the recipient of the Chairman’s Award. 

The winning entries may be viewed online by clicking the following link -

http://www.springboard.org/community/gallery/11Postercontest

Pictured (l to r) are Springboard’s Youth Financial Literacy Poster Contest Partners: Kathy Gault of Arrowhead Credit Union; A. Majadi of the Boys & Girls Club of San Bernardino; Todd Emerson, Springboard President and CEO; David Hahn of Bank of America; Adán Gomez of CA State Assemblymember Wilmer Amina Carter’s office; and Marcelino Serna of the San Bernardino City Unified School District.  Springboard congratulates this year’s poster contest winners (seated l to r) Rosa Hernandez (Chairman’s Award Winner); Phillip Jackson (High School Winner); Henachi Williams (Middle School Winner); and Robert Serna (not pictured) (Elementary School Winner). 


April is Financial Literacy Month
Good credit plays an important role in your financial life. Springboard is taking the lead in educating consumers in Southern California's Inland region during Financial Literacy Month by offering Financial Wellness Webinars, seminars and free credit report review sessions at the Boys & Girls Club of San Bernardino and Cal State University, San Bernardino.

Having a strong credit history, reflected in good credit scores, allows consumers to qualify for lower interest rates and fees. This helps people free up additional money to set aside for emergencies, retirement, and other smaller unexpected expenses. The connection between successful savings and good credit plays an important role in everyone's financial life. Not only is it essential for obvious things like qualifying for a loan or getting a credit card, but also for less obvious things like getting cellular telephone service, renting a car, and perhaps even getting a job.

In addition, Springboard's Financial Instructional Training (FIT) Academy is available 24/7 and is an excellent teaching tool for educators and a great source of extra credit for students learning about important money matters. Consumers can access Springboard's FIT Academy (http://credit.org/blog/courses/) from the comfort of their own home or from any mobile device.

Springboard's team of certified consumer credit educators is visiting the Boys & Girls Club of San Bernardino this month to answer questions and to educate consumers on assessing their credit history, steps they can take to maintain a good credit rating and how to improve their credit report. Pictured is Carlos Vargas working with a local family.


Springboard Honors Military Saves Week

Springboard's Melinda Opperman was the keynote speaker for Military Saves Week at Naval Base Point Loma Submarine Base (SUB BASE) and Naval Base Point Loma, Naval Mine and Anti-Submarine Warfare (NMAWC) complex. Visit Springboard's America/Military Saves week site here.

(l to r): Pamela Beard, Program Operations Manager, Fleet & Family Support Center, Naval Base Point Loma; Darryl Stovall, Fleet & Family Support Center, Naval Base North Island; Melinda Opperman, Springboard; Richard Arriaga, Director, Fleet & Family Support Center, Naval Base Point Loma; and Chad Hill, MN1, Command Financial Specialist, Naval Base Point Loma, NMAWC Command.


Military Mortgage Assistance Event
Springboard partnered with the Housing Opportunities Collaborative and HOPE NOW Alliance to deliver a Military Mortgage Assistance at the San Diego California National Guard Armory for service members with PCS (permanent change of station) orders and mortgage assistance needs. HOPE NOW is a partnership between lenders and non-profit housing counselors. Nine mortgage lenders/servicers, housing counselors from HUD-approved housing counseling agencies, and pro-bono attorneys were on-site to meet face-to-face with homeowners.

(l to r): Brad Dwin, Director of Communications, HOPE NOW Alliance; Gregorio Estrella, Program Manager, Housing Opportunities Collaborative; Pamela Beard, Program Operations Manager, Fleet & Family Support Center, Naval Base Point Loma; Rebecca Lambert, Southern Regional Coordinator, California National Guard Family Assistance; Eric Selk, Deputy Director, HOPE NOW Alliance; Melinda Opperman, Springboard; Isaac Avila, Family Assistance Specialist.


Mexican Consulate of San Diego Event
Jennifer Rodriguez was a financial education workshop presenter at the Mexican Consulate financial education week event held in National City.

Supporting the financial education resource booth were Springboard's Jennifer Rodriguez and Lilia Mojica with VISA financial literacy.

Jennifer Rodriguez with National City Mayor Ron Morrison.


Agency Receives Grant Award from J.P. Morgan Chase Foundation
Springboard is the recipient of a generous grant award from J.P. Morgan Chase Foundation. The $20,000 grant award will be used to support Springboard's foreclosure relief and intervention to individuals and families living in San Bernardino County. Springboard has been a first responder to the nation's housing and financial crisis. In 2011, Springboard conducted more than 100,000 counseling sessions. Consumers nationwide received assistance in the areas of foreclosure prevention, credit and debt, reverse mortgage, bankruptcy pre-filing counseling and debtor education. Springboard also provided face-to-face financial education classes to more than 7,000 consumers at financial literacy workshops held throughout Southern California, and more than 4,000 consumers nationwide via live webinars and the agency's FIT (Financial Instructional Training) Academy found at: http://credit.org/blog/.

Springboard is the largest nonprofit housing counseling agency on the West Coast.

(L to R) Chase customer assistance specialists with Rod Tawasha, assistant vice president and manager of Chase Homeownership Center, Rancho Cucamonga; Melinda Opperman, Springboard's executive vice president (center) received the generous grant award presented by Karen Chambers, manager of the Chase Homeownership Center in Riverside. Also pictured are (l to r) Sheri Stuart, Springboard education manager; Kellie Houston, Springboard Sr. Housing Counseling Manager; and Jenny Beck, Springboard Solutions training and outreach manager.


Holiday Toy Drive Produces Smiling Faces in the Inland Empire
Hundreds of local children will have more reason to smile this holiday season thanks to the generosity of Springboard employees. Associates from Springboard and its subsidiary, Springboard Solutions, donated more than 200 toys in support of the local Toys for Tots campaign to distribute holiday gifts to needy children in the community. The event was coordinated by Springboard's S.E.R.V.I.C.E. committee, which works with local organizations year-round to provide help and support to the community. More than 200 new toys will be distributed to local area children in an effort to help struggling families brighten the holiday season for their children.

Springboard and Springboard Solutions associates donated more than 200 new, unwrapped gifts to the local Toys for Tots campaign.


Springboard Teams with HOPENow Alliance
Springboard's outreach team participated in an all-day foreclosure prevention event sponsored by HOPENow Alliance, Springboard and the Housing Opportunities Collaborative (HOC). The event provided homeowners facing foreclosure the opportunity to meet with certified housing counselors from Springboard, HOC and foreclosure mediation specialists from 15 lenders/servicers, Fannie Mae, Freddie Mac, HUD-FHA, and VA. 502 families were assisted through face to face counseling sessions with nonprofit counselors and/or loan servicers. The event was held October 20, 2011 in Oceanside, California. Springboard worked with Ronald Branch, JP Morgan Chase, Vice President, National Relationship Manager, Community Advocacy Office who organized event presentations for the distressed homeowners. The workshop presentations were repeated throughout the day and evening while homeowners waited for their registration number to be called. The presentation line-up included Springboard's Jennifer Rodriguez, on the role of the Housing Counselor and Jenny Beck, on the overview of the Keep Your Home California Program.

Immediately prior to the homeowner event, an industry Partner Roundtable was held with leaders from HOPENow, Housing Policy Council, Banks, military leaders, representatives from offices of elected officials, non-profits, city and community stakeholders. Springboard was one of the invited agenda speakers for the Partner Roundtable.

Springboard's President/CEO Todd Emerson (right) with John H. Dalton. Mr. Dalton was Secretary of the Navy (years 1993-1998). Since 2005, Mr. Dalton has been President of the Housing Policy Council at the Financial Service Roundtable.

Eric Selk, Deputy Director, HOPE NOW Alliance, www.hopenow.com with (l to r) Jennifer Rodriguez, April Landry, Stephanie Ooley, Eric Selk, Melinda Opperman, Joanna Tirado, Claudio Espino, Hugo Palanco, Sheri Stuart, and Melinda Opperman. Sergio Tolossa and Veronica Ronquillo (not pictured) were in counseling sessions. Springboard hosted a resource table with helpful information from Military OneSource, the FTC and Springboard's programs and services. In addition, Springboard's housing counselors were in high demand and very busy meeting face-to-face with troubled homeowners to discuss solutions and options to their mortgage situation.

Partner Roundtable presenters: Commander Jonathan Davis, JAGC, Navy Legal Service Office Southwest (center) with (l to r) Melinda Opperman; John Dalton; Eric Selk; and Keith Goosby, Chief of the Naval Reserve, SW Fleet Family and Child Programs Work and Family Life Coordinator for the entire southwest region. Springboard's Aaron Horvath, not pictured, was also a leader in the event.

Jenny Beck was very busy manning the Keep Your Home California resource table and found many of those inquiring had strong opportunities to be eligible.


South Bay Homeownership Resource Fair

Frank Riley, San Diego Field Office Director, U.S. Dept. of Housing and Urban Development (HUD) and Melinda Opperman of Springboard at the South Bay Homeownership Resource Fair. The Fair was hosted by the City of Chula Vista on their City Hall campus. The event was sponsored by the Pacific Southwest Association of Realtors and the Housing Opportunities Collaborative, of which Springboard is an HOC partner. Springboard hosted a resource table and provided valuable resources for any stage of homeownership. Springboard co-presented the workshop Homebuyer Opportunities & Programs to Maintain Ownership.
www.southbayhomeownership.com (.pdf link)


Protect Your Identity Week 2011
Springboard took the lead in Southern California's Inland Empire region by bringing identity theft awareness and protection education to consumers during National Protect Your Identity Week. Since prevention is the best answer to this consumer problem, Springboard, in collaboration with Cintas Document Management, the United Way of the Inland Valleys and SmartRiverside, hosted a free shredding and e-waste disposal event on Saturday, Oct. 22. Local area residents and small businesses brought outdated records and other items containing personal financial information along with unused cell phones, computers and computer monitors for shredding and disposing in a safe and secure manner. Personnel from the Riverside Fire Department provided safety demonstrations on the proper use of in-home fire extinguishers as part of the event's overall theme of personal safety on every level. Springboard donated a free diamond cut shredder and distributed Identity Theft Prevention Toolkits containing helpful printed resources.

Springboard recognized its community partners for helping make this year's community shred event a huge success. Pictured left to right are Thomas Dominguez and Jesse Guzman of SmartRiverside; Jenice Haskin of the United Way of the Inland Valleys; Paula Hardy and Felix Galvan of Cintas Document Management; and Sheri Stuart, Springboard's education manager.


Local area residents, including Springboard team member Sylvia Torres, dropped off out-dated documents and financial records for free shredding.

Local resident Marsha Washington pulled the winning ticket in an opportunity raffle for a free document shredder.

Personnel from the Riverside Fire Department demonstrated the proper use of an in-home fire extinguisher as part of the event focus on overall personal safety.


October 16th through the 22nd is National Protect Your Identity Week.
Recognizing that education is the key to prevention, the National Foundation for Credit Counseling (NFCC), National Sheriffs' Association (NSA), and National Association of Triads (NATI) are proud to join forces bringing the fourth national Protect Your Identity Week (PYIW) to communities across the country October 16-22. Springboard is an NFCC member agency and Melinda Opperman is the NFCC member agency Chairperson for Protect Your Identity Week. To keep from becoming the next victim of identity theft, visit www.ProtectYourIDNow.org where you'll find educational resources, steps for victims, and a map to locate the PYIW event closest to you.

Photo: McGruff the Crime Dog, pictured with Springboard's Melinda Opperman, made an appearance to signal that 2011 National Protect Your Identity Week begins October 16th through October 22nd.


San Diego Financial Planning Day
San Diego Mayor Jerry Sanders and the City of San Diego invited the community to participate in an event that featured both one-on-one counseling and group classroom workshops. San Diego City Council President Tony Young and Mayor Sanders were both on hand as keynote speakers for the event. The event gathered hundreds of attendees who could choose to attend free workshops and/or free one-on-one counseling with any of the following: Certified Financial Planner™ Professionals, Certified HUD-housing Counselors, and/or Certified Credit Counselors. The event featured a selection of sessions and workshop topics so attendees could select and attend multiple workshops, based on their interests, throughout the day. The series of classroom-style educational workshops addressed popular topics, such as: A Financial Fire Drill; Managing Your Money in Hard Times; Workforce Partnership - Job Market Panel; Estate Planning What Everyone Needs to Know; Financial Considerations for Your Small Business; Accomplishing Your Financial Mission For Military Families; Buying REO's, Short Sales, and Foreclosure Properties; First Time Home Purchasing; Avoiding Scams, Fraud and ID Theft; CARE (Credit Abuse Resistance Education) Program for Young Adults; and Understanding and Improving Your Credit Score.

The event was organized by City of San Diego and FPA San Diego, in partnership with four national non-profit organizations – Certified Financial Planner Board of Standards, Financial Planning Association, Foundation for Financial Planning, and the U.S. Conference of Mayors. The advice was offered on a "no strings attached" basis and planners did not give out business cards or sell financial products or services. The San Diego Financial Planning Day is part of the national Financial Planning Days initiative, a ground-breaking program involving city governments and thousands of financial planners nationwide, in an effort to provide free financial education and programming to people across the country.

San Diego Mayor Jerry Sanders (center left) joins Springboard's Melinda Opperman, Sergio Tolossa and Jennifer Rodriguez (l to r). Springboard presented two class workshops and provided one-on-one counseling for San Diego Financial Planning Day.

San Diego City Council President Tony Young (center), Maggie Ruiz with the San Diego City-County Reinvestment Task Force (center left), joined Springboard's Melinda Opperman, Jennifer Rodriguez and Sergio Tolossa (l to r). The City of San Diego Financial Planning Day helped lots of people who had pressing financial questions get needed answers, particularly those in our community affected by the recent economic crisis.


Excellent S.E.R.V.I.C.E. – Giving Back to the Community
Members of Springboard's S.E.R.V.I.C. E. committee spent an evening demonstrating kindness to individuals and families less fortunate. The team prepared and served healthy meals to residents of Path of Life Ministries Family Shelter in Riverside. Path of Life is a long-standing community partner. S.E.R.V.I.C.E. stands for (S)pringboard (E)mployees (R)ecognize (V)olunteerism (I)n our (C)ommunity & (E)nvironment. The committee is comprised of Springboard and Springboard Solutions volunteer team members who are dedicated to making a difference in the community, above and beyond their day-to-day job responsibilities.

Photo: Members of Springboard's S.E.R.V.I.C.E. committee, including their family members, spent an evening preparing and serving healthy meals at Path of Life Ministries Family Shelter in Riverside, California. The S.E.R.V.I.C.E. committee is pictured inside the kitchen at Path of Life Ministries.


Faith-based Foreclosure Prevention Summit
Springboard was among the HUD-approved housing counseling agencies providing face-to-face counseling services to individuals and families attending a foreclosure prevention summit at Water of Life Community Church in Fontana, California. The event was part of the Inland Empire Faith-based Home Preservation Network, an innovative project launched by Citibank ("Citi") to bring foreclosure prevention counseling and loan modification assistance directly to the faith-based community. In addition to providing HUD approved housing counseling resources, Springboard was among the invited workshop guest speakers.

(L to R) Springboard Financial Counselor Sergio Tolossa; Chi Tran Vice President of Citi Community Development; and Springboard Financial Counselor Veronica Ronquillo. Springboard provided face-to-face, one-on-one counseling to individuals and families.

Springboard Education Manager Sheri Stuart with California State Assemblyman Mike Morrell. Assemblyman Morrell and Sheri Stuart were among the guest speakers at the event.


Springboard Donates 100 Backpacks Filled with School Supplies

Just in time for the annual back to school shopping excursion, many families in the Inland Empire received some much needed assistance from Springboard. The agency donated 100 backpacks stuffed with school supplies to students enrolled in Pre-school through 12th grade. The charitable backpack program was organized by Springboard's S.E.R.V.I.C.E. committee, which held multiple fundraisers, including a company-wide bake sale to raise funds to purchase the backpacks. Springboard contacted other nonprofit organizations in the region that helped identify families needing the most assistance in providing back to school supplies for their children. Backpacks were distributed to nonprofit organizations based in Riverside, San Bernardino, Upland and Victorville.

Photo: Mary Cardenas, lead coordinator of Springboard's charitable backpack giveaway, loads up her car with backpacks ready for delivery in the Inland Empire.


Photos: Ray Kewley and Jennifer Rodriguez prepare to make deliveries in Riverside, San Bernardino, Upland and Victorville.

Photo: Springboard team members stuffed the backpacks with much needed school supplies such as rulers, pencils, paper, and calculators.


Smart Money Summit 2011
This year the Smart Money Summit of 2011 was titled: Your Ticket to Financial Empowerment. The free community resource event brings together many community organizations and was well attended by hundreds of community members. The annual event is presented by the San Diego City & County Reinvestment Task Force (RTF), co-chaired by City Councilmember and Council President Tony Young and County Supervisor Ron Roberts and co-sponsored by Bank of America, Chase, Citibank, Union Bank, US Bank and Wells Fargo. Springboard delivered two financial education workshops, manned a booth with free resources and provided credit and housing counselors to assist consumers one-on-one with face-to-face counseling at the event.

Photo: San Diego City Council President Tony Young (wearing hat); to his immediate right Maggie Ruiz, San Diego Housing Commission; to his immediate left Melinda Opperman and Jennifer Rodriguez with Springboard; and Alex Mazloom with Mind Treasures Youth Financial Empowerment.


Springboard Honored with the United Way's Community Initiative Partner Award
Springboard was recognized by the United Way of the Inland Valley for its support of the organization's MoneyWork$ program, which provides free money management workshops in the workplace, schools and at public centers. Springboard was honored with the United Way's Community Initiative Partner Award for their community leadership. The award was accepted by Melinda Opperman, Springboard's senior vice president of community outreach and industry relations. Melinda serves on the United Way on the Inland Valley's Financial Stability Vision Council. Kevin McCarthy, President & CEO of the United Way of Inland Valleys, shared with the audience, "With the support of Melinda Opperman and Springboard, we have reached over 500 people so far with this fantastic collaboration with the financial community, our campaign partners, and schools."

Photo: Melinda Opperman with John Patterson, Board Chair for the United Way of the Inland Valleys. The award was presented to Springboard at the Summer 2011 Annual Live United Celebration and Awards Picnic held at White Park in downtown Riverside. In the background (at the microphone), Kevin McCarthy, President & CEO of the United Way of Inland Valleys.


Home Preservation Foreclosure Prevention Workshop
Springboard was among the HUD-approved housing counseling agencies supporting a HOME (Home Owner Mobile Education) Preservation Workshop held at the Joe & Vi Jacob Center, San Diego, CA. The program provides crucial resources, information and one-on-one assistance to low and moderate income individuals and families, helping to promote and sustain homeownership. The Citi Foundation recently awarded a generous grant to the Housing Opportunities Collaborative in support of HOME Preservation Workshops like this one.

(L to R) Bonnie Dumanis, San Diego County District Attorney; Claudio Espino, Springboard; Ben Hueso, California State Assembly Member, 79th District; Joanna Tirado, Springboard and Maricela Lopez, Springboard.


Springboard Participates in Blood Drive
Springboard and Springboard Solutions partnered with LifeStream and country western radio station K-FROG in support of the 12th Annual K-FROG Cares/Leap for Life Blood Drive, which was held June 1-5 at donor locations throughout San Bernardino and Riverside counties, including both Springboard and Springboard Solutions headquarters. This is the second consecutive year that the agency has participated in the blood drive, which helps with the more than 500 donations of lifesaving blood that are needed each day to meet emergency and ongoing patient needs in Southern California. Springboard and Springboard Solutions employees donated 76 pints of blood in support of this year's event.

Members of Springboard's S.E.R.V.I.C.E. team pictured with K-FROG News Director Jeff Davis (center).


Springboard Educator Named Volunteer of the Year
Springboard is pleased to announce that Credit Education Supervisor, Lori Lamb, was named Volunteer of the Year by Community Action Partnership of Riverside County (CAP Riverside). The award recognizes exemplary volunteer accomplishments with CAP, a nonprofit organization that works to end poverty. Lori was also named to Springboard's "President's Club", which recognizes team members for their significant contributions to the agency.

(L to R) Kathrine Latta, program specialist II for CAP Riverside presented Lori Lamb, Springboard credit education supervisor with the award at the Riverside County Board of Supervisors meeting.


2010 Youth Poster Contest Winners Announced
In April, which is officially recognized in the United States as Financial Literacy Month, Springboard announced the winners of its fifth annual "Be Money Wise" Youth Financial Literacy Poster Contest. Understanding that an early start to financial education is fundamental to raising money wise children, Springboard offers students from 3rd through 12th grade an opportunity to participate in a nationwide poster contest. The theme of this year's annual youth poster contest was "Be a Super Hero – Save Money". Springboard received more than 115 entries this year from students enrolled in schools in Riverside and San Bernardino counties. The winners were recognized at a luncheon held in their honor at the Historic Mission Inn in Riverside. Each winner was awarded a trophy, certificate of achievement and $100 savings bond, and was recognized by Springboard CEO and President Todd Emerson, who presided over the awards luncheon.

Springboard congratulates this year's contest winners:

9th grade student Sarah Castro of Etiwanda High, Fontana
6th grade student Michelle Mejia of Village Elementary, Victorville
4th grade student Romel Bragg of Village Elementary, Victorville

Twelfth grade student Simote L. Vave, Jr. of Summit High School in Fontana was the recipient of this year's Chairman Award.

The winning entries may be viewed by visiting Springboard's website and clicking on the following link, http://www.credit.org/community/gallery/10PosterContest.

Serving the community as Springboard's Youth Financial Literacy Poster Contest distinguished panel of judges were:

Raúl Bustillos, Bank of America
Marcelino Serna, San Bernardino City Unified School District
Suzie Arthur, US Bank
Michael Castillejos, US Bank
Edward Diggins, Summit Branch Library, Fontana
Lizette Navarette, Mayor's Office, City of Riverside
Juan Garcia, La Prensa
Maribel Macias, Community Action Partnership
Hon. Mitchel R. Goldberg, U.S. Bankruptcy Judge Central District of CA (ret.)


Springboard's annual Youth Financial Literacy Poster Contest is chaired by Education Coordinator Michelle Mealey (far left). Pictured (l to r) are the winning students, Michelle Mejia of Village Elementary, Victorville; Sarah Castro of Etiwanda High, Fontana; Romel Bragg of Village Elementary, Victorville; and the Chairman's Award winner, Simote L. Vave, Jr., Summit High School, Fontana.


Community Dialogue with Professor Elizabeth Warren and San Diego Community Leaders
Professor Elizabeth Warren, Assistant to the President and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bureau (CFPB), gave a brief overview on setting up the new consumer financial protection agency, and the status and approach of the CFPB. Information about the Bureau is available at http://www.consumerfinance.gov/the-bureau/.

Photo: (r to l) Professor Warren seated with panelist Melinda Opperman, of Springboard. Professor Warren answered questions from the three panelists and also took questions from the audience. Springboard's housing and credit counselors are part of the solution in helping educate and provide counseling to consumers.


Women's History Month
In celebration of Women's History Month (March), Springboard hosted a financial empowerment forum for women. The topics presented were: Power of Paycheck Planning, Identity Theft Awareness and Prevention, and Understanding Your Credit Reports and Scores.

Photos above and below: Lori Lamb, Credit Education Supervisor, presents the workshops designed to equip women with the tools to better understand and manage their financial future.



Photo: (r to l) Sheri Stuart, Education Manager / Senior Communications Specialist, and event coordinator presented Sally Andriamiariosa, PhD with a certificate of appreciation for her contributions to the Women's History program. Dr. Sally offered keynote remarks celebrating the diverse and significant historical accomplishments of women.


Economic Recovery after Foreclosure Workshop: The Impact of the Financial Crisis on the Health and Economic Welfare of a Community.
Springboard was among the panelists at a recovery after foreclosure workshop sponsored by the Federal Reserve Bank of San Francisco, Los Angeles office and the Housing Opportunities Collaborative of the Inland Empire (HOCIE). The workshop, moderated by the FDIC, was held at the United Way of the Inland Valleys and included guest speakers and community leaders from the housing industry, banking, mental health and legal aide. The forum was designed to bring together a range of organizations and agencies that are interested in ensuring that at-risk homeowners get legitimate assistance and find their way back onto the economic ladder of stability.

Photo: Workshop organizers and panelists (l to r) Thomas Coates, HOCIE; Kevin McCarthy, United Way of the Inland Valleys; Melinda Opperman, Springboard; Mary Salinas Duron, FDIC; Roy Durnal, FDIC; Melody Winter Nava, Federal Reserve Bank of San Francisco, L.A. office; Tom Syta, Federal Trade Commission, L.A. office and Joanne Cordero, Springboard Solutions. Not pictured: Craig Redelsperger, 2-1-1 Riverside County; David M. Schoelen, Riverside County Department of Mental Health; Darrell K. Moore, Esq. and Linda Petite, Inland Counties Legal Services; Stephen Duringer, Esq. Duringer Law Group – Apartment Associations; and Jess Limon, Fair Housing Council of Riverside County.


HOME Preservation Workshop, Ladera Ranch, CA
Springboard was among the HUD-approved housing counseling agencies participating in a HOME (Home Owner Mobile Education) Preservation Workshop hosted by the Orange County Home Ownership Preservation Collaborative, the Housing Opportunities Collaborative of the Inland Empire and the Federal Home Loan Bank of San Francisco in partnership with U.S. Congressman Ken Calvert and Village Presbyterian Church. http://www.prnewswire.com/news-releases/fhlbank-san-francisco-hosts-foreclosure-prevention-workshop-for-distressed-homeowners-in-orange-county-117239443.html As part of this strategic collaborative, more than 300 homeowners received important information on the steps to take to avoid foreclosure as well as steps to take to avoid becoming a victim of foreclosure prevention fraud. The event was held in Ladera Ranch, one of Southern California's premier communities that have also experienced a significant number of home foreclosures. Nearly 150 distressed families received face-to-face personal assistance from U.S. Housing and Urban Development (HUD) approved housing counseling agencies, including Springboard. The event, which attracted local residents from Ladera Ranch and nearby communities, including Mission Viejo, Fullerton, Costa Mesa, Fountain Valley and as far away as Los Angeles, Riverside and San Bernardino counties, also provided one-on-one counseling by the Legal Aid Society of Orange County and the Public Law Center.

Photo: Outside Ladera Ranch Middle School, (Left to Right) Springboard President and CEO Todd Emerson with U.S. Congressman Ken Calvert and Melinda Opperman, Springboard Senior Vice President of Community Outreach and Industry Relations.

Photo: Springboard financial counselor Claudio Espino was among the housing counselors providing face-to-face personal assistance to hundreds of distressed homeowners from as far away as Los Angeles County.


Springboard Presents PEARLS, A Financial Literacy Series for Women
Springboard, in collaboration with Downey Federal Credit Union (www.downeyfcu.org) and the City of Downey, is presenting a series of financial literacy workshops designed to meet women's unique financial needs. Springboard's P.E.A.R.L.S. series stands for Preserving, Earning and Acquiring Real Life Skills. The series covers basic budgeting, understanding credit reports and identity theft awareness. The workshops are being held Feb. 2, 9, 16, 23 and March 2, 2011 from 6:30 p.m. -7:30 p.m. at the Barbara J. Riley Community and Senior Center in Downey, California. Attendees who complete all five workshops will receive a certificate of completion from Springboard.

Photo: (L to R) Marianne Noss, marketing manager, Downey Federal Credit Union and Lori Lamb, Credit Education Supervisor, Springboard.


Springboard Receives Collaborative Star
Springboard was presented with the honor of the "HOME Clinics Collaborative Star" award in recognition of the agency's tireless dedication and outstanding support of the Home Owner Mobile Education (HOME) Clinic events. Springboard contributed tremendous outreach, gave invaluable educational information and personal counseling to distressed homeowners, and the agency's hard work and dedication have aided homeowners immensely in recovering from their financial and mortgage crisis.

PHOTO: Group presenting the award (r to l) to Springboard: Myrna Pascual, U.S. Department of Housing and Urban Development (HUD), San Diego Field Policy Management; Yamila Ayad, Housing Opportunities Collaborative (HOC) Board Vice-Chair; Melinda Opperman, Springboard; Gregorio Estrella, HOC Program Manager; and Appaswamy "Vino" Pajanor, HOC President & Executive Director.


Springboard Believes in Girls
Springboard was among the partnering organizations participating by invitation in this year's Believe in Girls (B.I.G.) Expo sponsored by the Girls Scouts of San Gorgonio Council. The 2nd Annual B.I.G. Expo was held at the Palm Springs Convention Center and featured an all day exhibition that promoted everything that is cool about being a girl, including financial literacy education. Springboard distributed activity books promoting financial literacy education to more than 3,000 attendees, and also delivered a ceramic piggy banks workshop where girls could customize their own personalized piggy bank to encourage the importance of saving.

PHOTO: More than 3,000 attendees participated in the B.I.G. Expo where Springboard was an invited exhibitor for the second year in a row. Springboard distributed youth activity books promoting financial literacy education.

PHOTO: Springboard promoted the importance of saving while giving attendees their own personal piggy bank to design.


Springboard Brightens Holiday for Inland Empire Children and Families
Springboard is donating Christmas stockings to help make the holiday brighter for Inland Empire children and their families. Springboard is distributing the stockings to community organizations, schools and churches that identified children and families in great need. Springboard's SERVICE members stuffed the super-sized stockings at the agency's headquarters in Riverside. SERVICE stands for (S)pringboard (E)mployees (R)ecognize (V)olunteerism (I)n our (C)ommunity & (E)nvironment. Springboard's Education team is delivering the stockings now through Christmas Eve to organizations, schools and churches in cities throughout Riverside and San Bernardino Counties. The stockings are 3 feet long and 1 foot wide, and include toiletries, holiday candy, snacks, books, small toy items for children and a gift card to a local grocery.

PHOTO: Springboard's SERVICE Team Members stuffed the supper-sized stockings. (L to R): Patti Axelson, Luke Mobaquiao, Cyndi Williams, Robin Russell, Kellie Houston, Iris Ceballos, Marshrae Harris, Janaye Williams, Mary Cardenas, and Ray Kewley. Not pictured: Nancy Enlow, Antonio Delao, Gloria Cervantes, Melinda Opperman and Corrie Williams.

PHOTO: Springboard education coordinator Michelle Mealey delivered Christmas stockings to Clyde Bedford, shelter supervisor at Desert Manna Ministries in Barstow, California.


Springboard Proudly Supports "Yellow Ribbon" Military Community Events
Springboard was a proud supporter of a three day "Yellow Ribbon" Military event held at the San Diego Convention Center. The Department of Defense Yellow Ribbon Reintegration Program ensures that our servicemembers returning from deployment and their families get the support and care they need. Speaking to an audience of more than 700 attendees, Springboard's senior vice president of community outreach and industry relations, Melinda Opperman, provided an overview of the programs and services offered through the agency. Opperman spoke to servicemembers and their families on important topics including budgeting perspectives, credit and debt, ID Theft Prevention and Awareness, and the necessary steps in exercising their option to work with lenders to reduce the risk of foreclosure, including the warning signs for foreclosure rescue scam artists that claim to be helping consumers save their homes.

PHOTO: (Left to Right): United States Major McAllen, March Air Force Reserve Base and Melinda Opperman pictured at the Springboard resource table at the Yellow Ribbon event.


Protect Your Identity Week 2010 – Springboard Hosts Safe and Secure Shred Event
Springboard together with the United Way of the Inland Valleys helped consumers in Southern California's Inland Empire region fight back against identity thieves by placing heightened awareness on identity theft protection during National Protect Your Identity Week, October 17-23, 2010. The agencies partnered to host a "Safe and Secure Community Shred Event and Resource Fair" at the Cesar Chavez Community Center in Riverside, California. Local area residents and business owners brought outdated financial records and other items containing personal and financial information for free, on-site document shredding, which was provided by Cintas Document Management. In recognition of National Protect Your Identity Week, Springboard received a City of Riverside Proclamation signed by Mayor Ronald O. Loveridge.

Identity theft continues to be a growing problem; the number of victims in the United States reached 11.1 million in 2009. For more information on identity theft, Springboard's book, ID Theft: Protecting and Restoring Your Good Name, is available for free download. Please visit the "Resources" section of our website or click on http://www.credit.org/media/docs/IDT2010.pdf.

PHOTO: (Left to Right): Sheri Stuart, Springboard education manager issues a certificate to Jenice Haskin, community development director for United Way of the Inland Valleys.


PHOTO: Cintas Document Management Team with Springboard education manager Sheri Stuart. (Left to Right): Felix Galvan, Paula Hardy, Jim Cobb, and John Garcia-Nunez.


PHOTOS (above and below): Local area residents and business owners brought outdated financial records and other items containing personal and financial information for free, on-site document shredding provided by Cintas.


Springboard Hosts Successful Blood Drive
Springboard held its first blood drive on Thursday, Aug.19 at the agency's office headquarters in Riverside. The event was a huge success, and organized by Springboard's S.E.R.V.I.C.E. committee in partnership with LifeStream, a private, not-for-profit blood center that serves more than 50 hospitals throughout Southern California. The SERVICE acronym stands for (S) Springboard (E)Employees (R) Recognize (V) Volunteerism (I) In our (C) Community & (E) Environment. Forty pints of blood were collected, which will help 120 local adults or 320 local babies. The event was organized by Springboard employees in an effort to show their desire to help others even outside of their normal work duties.

PHOTO: Springboard team members pictured with LifeStream staff. (Left to Right): Justin Waller, Springboard's senior vice president of operations; Austin L. Conley, III, director, donor recruitment, LifeStream; Marianna Fowles, lead area representative donor recruitment, LifeStream; Melinda Opperman, Springboard's senior vice president of community outreach and industry relations; Judi East, manager of Springboard's first contact center; and April DeLeon, Springboard reverse mortgage counselor.


Springboard Joins in Public Awareness Campaign to Combat Loan Modification Scams
Springboard was among a partnership of local, state and national government agencies, nonprofit organizations and financial institutions to help launch a public education campaign designed to help homeowners protect themselves against loan modification scams. A press conference, campaign kick-off and scam prevention training were held in Riverside, California to announce the "Loan Modification Scam Alert" campaign, a national initiative to assist struggling homeowners in finding trusted help and report illegal activity to authorities. As part of the campaign, resources and reporting capabilities are now available around the clock at both www.loanscamalert.org and www.preventloanscams.org and by calling 1-888-995-HOPE (4673).

Photo: Ray Brewer, U.S. Department of Housing and Urban Development, Los Angeles Field Office Director (at the microphone) speaking to reporters is flanked by Jason Gagnon, legislative assistant to U.S. Congressman Ken Calvert (CA 44) and Melinda Opperman, Springboard. (L to R) Gary Almond, vice president Better Business Bureau of the Southland; Mary Salinas Durón, Federal Deposit Insurance Corporation; Tom Syta, Assistant Regional Director for the FTC's Western Region Federal Trade Commission; Helen Moore, Executive Director , Neighborhood Housing Services of the Inland Empire, Inc. (NHSIE); Rose Mayes, Executive Director, Fair Housing Council Riverside; Jason Gagnon; Ray Brewer; Melinda Opperman; Melody Winter-Nava (not shown), Regional Manager - Southern California Community Development, Federal Reserve Bank of San Francisco; Karlo Ng, Lawyers Committee for Civil Rights; and Thomas Coates, Housing Opportunities Collaborative of the Inland Empire Program Manager.


Springboard Partners with CARE Program to Warn Teens about Credit Cards
In response to the growing number of bankruptcy filings among young people, Springboard Nonprofit consumer Credit Management and the Honorable John J. Hargrove (ret.) hosted a Credit Abuse Resistance Education (CARE) presentation to more than 800 Fountain Valley High School seniors discussing the responsibility and risks associated with credit card debt. CARE is a national program whose objective is to train young men and women to intelligently manage their credit card debt and avoid trying to live beyond their means. John J. Hargrove, former judge at the U.S. Bankruptcy Court for the Southern District of California, instituted the CARE Program in the federal judiciary's Southern District of California. Springboard and the CARE Program collaborated to provide high school students with the opportunity to learn about managing finances, budgeting, and how to avoid the temptations they can't afford. The presentations included a video advising young adults of the risks associated with abusing credit cards along with hard facts and statistics regarding debt within their age group.

Photo: Honorable John J. Hargrove (ret.) giving a CARE Presentation at Fountaing Valley High School in Orange County, CA.

Springboard Launches HAFA Resource Center for Realtors
Springboard has launched an online resource center where real estate agents can find the latest information on the Home Affordable Foreclosure Alternatives (HAFA) program. Agents can log on to http://homeownership.org/realtor/hafa-client-application.aspx and request HAFA application assistance for their clients through Springboard's RAPID (Realtor Appointment Processing in Demand) Center. Springboard is meeting with realtor associations throughout Southern California and presenting the latest information on the HAFA program. Realtor associations may request a presentation by contacting Springboard at 1-800-947-3752, ext. 7750. The HAFA program went into effect April 5, 2010 and is designed to help homeowners who are unable to retain their home under the Home Affordable Modification Program with a structured transition program that also provides incentives such as relocation assistance in connection with short sales and deeds-in-lieu of foreclosure for eligible homeowners. Springboard counselors are trained to help homeowners understand and apply for the HAFA program by working directly with lenders.

Photo: Aaron Horvath, Springboard's senior vice president of strategic planning and development, gave a presentation on the HAFA program at a recent meeting of the Inland Gateway Association of Realtors in Corona, CA.

Foreclosure Prevention City of Corona
Springboard was among the participants in a February 2010 Foreclosure Prevention HOME (Home Owner Mobile Education) Workshop hosted by United States Congressman Ken Calvert, City of Corona Mayor Karen Spiegel, CA Assemblyman Jeff Miller, and the Housing Opportunities Collaborative (HOCIE) www.hocie.org. The workshop pooled resources and connected distressed homeowners with HUD approved housing counselors, lenders/servicers loss mitigation teams, legal and tax professionals. Troubled homeowners participated in educational sessions moderated by Ray Brewer, HUD Field Office Director, with panelists (below) providing subject matter expertise on homeownership preservation foreclosure prevention alternatives, avoiding foreclosure or property tax scams, and general information on personal tax and legal matters.

Photo: (l to r) Gerald Fox, Commander, County of Riverside District Attorney Rod Pacheco's office; Charles J. Ludlam, HUD/FHA Senior Single Family Housing Specialist; Melinda Opperman, Sr VP Community Outreach, Springboard; U. S. Congressman Ken Calvert; Jerrie Muir, Senior Stakeholder Relationship Tax Consultant, Internal Revenue Service; Darrell Moore, Esq., Deputy Director Inland Counties Legal Services; Pete Serbantes, Loss Mitigations, Citibank; and Larry W. Ward, Assessor – County Clerk – Recorder, County of Riverside.


Foreclosure Prevention City of Perris
Springboard was among the participants in a March 2010 Foreclosure Prevention Workshop hosted by the City of Perris, CA and the Housing Opportunities Collaborative (HOCIE) www.hocie.org. Distressed homeowners met with HUD approved housing counselors, lenders/servicers loss mitigation teams, and participated in an educational session with speakers/panelists (below) providing subject matter expertise on homeownership preservation foreclosure prevention alternatives, avoiding foreclosure or property tax scams, and personal tax information.

Photo: (l to r) Thomas Coates, HOCIE Program Manager; Melinda Opperman, Springboard; Myrna B. Pascual, Field Policy Management, HUD; Ray Brewer, Field Office Director, HUD; James C. Counts, CPA; Larry W. Ward, Assessor -County Clerk- Recorder, County of Riverside; Prince Johnson, Homeownership Advisor, Chase (not pictured); Gerald Fox, Commander, County of Riverside District Attorney's office (not pictured); and City of Perris Mayor Daryl Busch (not pictured).


Springboard's Holiday Donation Program

During the Thanksgiving and Christmas holidays, many families have been touched by Springboard's holiday donation program. Inspired by Springboard Chief Financial Officer Marlisa Hodgin (center), Springboard has donated hundreds of Thanksgiving baskets and Christmas Stockings to children throughout Riverside and San Bernardino Counties. Springboard works closely with community organizations and schools to identify families in great need. Hodgin is pictured with Springboard SERVICE Volunteers Corrie Williams (left), and Melinda Opperman (right) who volunteered with dozens of Springboarders to assemble the baskets at the agency's headquarters in Riverside. SERVICE stands for Springboard Employees Recognize Volunteerism In our Community & Environment.

Springboard SERVICE members delivered baskets to organizations and schools in 17 cities throughout the Inland Empire. Following is a partial list of organizations:

Irene Durazo (left) and staff of San Bernardino County Preschool Service (Rancho Cucamonga, CA)


Theo Crawford (center) and staff members of Path of Life Shelter (Riverside, CA)


Springboard on KCSB-TV
Springboard's Education Coordinator Carlos Vargas recently taped broadcast segments for television focused on consumer savings tips during the holidays. These educational segments, taped in both English and Spanish, are anticipated to air in the first week in December.

(Pictured: KCSB-TV Host Diva Rescia and Springboard's Carlos Vargas.)

(Diva Rescia and Carlos Vargas discuss holiday spending tips and strategies for surviving the holidays. [.pdf link])

National Protect Your Identity Week – Oct. 17-24

Springboard brought heightened awareness to the problem of identity theft during National Protect Your Identity Week – Oct. 17- 24. Springboard presented workshops throughout the community on identity theft awareness, prevention, and preparedness tips. On Wednesday, October 21, Springboard held an Identity Theft Awareness & Resource Fair at its SHINE Center from 10 AM to 2 PM, which was open to the public and featured lively presentations given by the Corona Police Department and the U.S. Secret Service, Riverside Division. The City of Riverside presented Springboard with a signed proclamation, recognizing Oct. 17-14 as National Protect Your Identity Week. Free, onsite document shredding was provided to the community. Local area residents dropped off 30 boxes or roughly 900 pounds of material for shredding in a safe and controlled environment.

During the week, Springboard also brought valuable education and materials to the community during a week of presentations to local employers, schools and senior centers through its MOVE (Mobile Outreach Valuable Education) Financial Workshop initiative. Eleven MOVE workshops on the topic of Protecting Your Identity were scheduled throughout Riverside and San Bernardino Counties.

Springboard also utilized social networking and distance learning to educate consumers by posting daily identity theft prevention "tweets" on Twitter, and provided Springboard's Identity Theft workbook for download. Hundreds of ID Theft Prevention Tip cards with branded envelope openers were distributed.

Springboard's workbook, ID Theft: Protecting and Restoring Your Good Name is available for free download. Please visit the "Resources" section of our website to download our educational materials.

Springboard held an Identity Theft Awareness & Resource Fair at its SHINE Center in Riverside, CA

Members of Team Springboard presented Southland Shredding with a Certificate of Appreciation

Local area residents dropped off 900 pounds of material for shredding in a safe and controlled environment

Springboard president and CEO Todd Emerson (left) presented Officer John Alvarez of the Corona Police Department with a Certificate of Appreciation.


Housing Opportunities HOME Clinic, Indio, CA Springboard was among the participating agencies supporting a HOME Clinic sponsored by the Housing Opportunities Collaborative of the Inland Empire (HOC-IE) in collaboration with Assemblyman V. Manuel Pérez. Springboard counselors provided resources and one-on-one assistance to distressed homeowners. The HOME Clinic was held at the Indio Teen Center and pooled housing counseling agencies, fair housing agencies, and other public agencies into one location, giving homeowners a one-stop shop of counseling resources.

Photo: Foreclosure Prevention Counselor Maricela Lopez with 80th District Assemblyman V. Manuel Pérez.


Photo: (l to r) Members of Team Springboard: Foreclosure Prevention Counselors Alba Gutierrez and Maricela Lopez, Indio City Mayor Melanie Fesmire, and Foreclosure Prevention Counselor Veronica Ronquillo.

Military Yellow Ribbon Reintegration Program
U.S. Air Force, March Air Reserve Base California, held their first Yellow Ribbon Reintegration Program event in August 2009. The two-day program, designed to help service members and their families cope with a variety of deployment issues, was held in San Diego. 120 service members and their families heard from subject matter experts on various topics which included how to protect your identity, how to obtain a job in this tight economy, marriage and family resources, wills and powers of attorney, the Homeowner's Assistance Program and the Servicemembers Civil Relief Act. Springboard was the financial education presenter for this important program for our military community.

Photo: (l to r) Melinda Opperman of Springboard and United States Air Force TSgt. R. Turner at the Yellow Ribbon Reintegration Program.

Foreclosure Prevention Community Workshop, Riverside, CA
Springboard was among the participating agencies with The Fair Housing Council of Riverside County, Inc., U.S. Department of Housing & Urban Development and others in an event brought to the community by U.S. Congressman Ken Calvert, City of Riverside Mayor Ron Loveridge, Riverside County Assessor Larry Ward, and Riverside County District Attorney Rod Pacheco. Springboard assisted with providing valuable information and help to distressed homeowners, who attended the workshop held at St. Catherine of Alexandria Church in Riverside. Springboard was among the subject matter experts participating in a Q & A panel discussion and provided helpful information on consumer credit issues. Springboard also provided face-to-face counseling and resources to help homeowners avoid housing and credit scams.

Photo: (l to r) Members of Team Springboard: Sheri L. Stuart, Education Manager; Veronica Ronquilo, Cynthia Respicio, Luis Arias, & Manuel Arteaga, Foreclosure Prevention Counselors; Lori Lamb, Credit Education Supervisor; and Victor Martinez, Foreclosure Prevention Counselor.

Mayor takes on Action Challenge for Children and Families – Kicks Off with Free Financial Workshops
What is more important than the well-being of children and families? Riverside, CA Mayor Ron Loveridge answered this question by taking on the National League of Cities' (NLC) Action Challenge for Children and Families.

As a kickoff to this Challenge, in recognition of the worst economic crisis of our time, Mayor Loveridge and the City of Riverside partnered with the United Way of the Inland Valleys to host a Summer Series of free financial workshops presented by Springboard Nonprofit Consumer Credit Management and Community Action Partnership Riverside, entitled Money Works, at various Park, Recreation, and Community Services centers in Riverside. All classes were FREE to the public.

A variety of workshops were held in community centers throughout Riverside. Topics covered included Understanding Credit Reports and Scores, Wise Use of Credit, and Identity Theft Awareness & Prevention.

Photo: Riverside Mayor Ron Loveridge at the opening of Springboard's SHINE center in 2008. (Right: Justin Waller, Springboard.)

Celebrating Hope, Jobs and Futures, Rancho Cucamonga, CA
Springboard was among the valued community partners invited by Goodwill Southern California to their June 2009 celebration honoring outstanding achievers, graduates, and valued partners who helped Goodwill transform lives through the power of work. Goodwill's mission is to enhance the quality of life for people with disabilities. Springboard has partnered with Goodwill in support of its job opportunity fairs by providing information, materials and resources on personal budgeting and money management.

Photo: (l to r) Springboard Education Coordinator Carlos Vargas; Goodwill President & CEO Douglas H. Barr, MSW; Board Member Mark L. Walberg; and Springboard Education Coordinator Terry Cardwell.


Rancho Cucamonga Resource Fair
The 2nd Annual Rancho Cucamonga Resource Fair was held recently at the Rancho Cucamonga Family Resource Center. Springboard was proud to be there as part of a large collection of community service providers. The fair helped individuals and families learn about the programs and services available to help community members at little or no cost. More than 30 nonprofit organizations joined Springboard in welcoming the people of Rancho Cucamonga to the event, which included food, music, prizes, and activities for children.

Photo: June 2009 at the Rancho Cucamonga Resource Center: Rancho Cucamonga Mayor Dr. Donald J. Kurth shakes hands with Springboard Education Coordinator Michelle Mealey (center). At left: City Councilman Sam Spagnolo.


Community Workshop Las Vegas, NV
Springboard was among the HUD-approved housing counseling agencies in a community workshop sponsored by a local branch of the NAACP and the Department of Housing and Urban Development (HUD). The workshop featured HUD-certified housing counseling agencies (including Springboard), community stakeholders and lenders to discuss preserving homeownership foreclosure prevention counseling, first-time homebuyer programs, and free loan modification programs to help residents. The community workshop was held June 1, 2009 at the West Las Vegas Library Theatre. Springboard's Foreclosure Prevention Assistant Counseling Manager, John Maurer, was a panelist providing important information to more than 100 audience members, many who were distressed homeowners.

Photo: (l to r) Members of Team Springboard, John Maurer and Carlos Gonzalez, provide important resources, materials, and information to Las Vegas residents.


Career Day at Bloomington Middle School
Springboard was well-represented at the Bloomington Middle School Career Day in Bloomington, CA. The students were able to ask questions of financial education experts Terry Cardwell and Carlos Vargas. By speaking to students about their careers in financial education, they were able to make an early impact in the development of many young students. These future leaders were able to see the value of working in a nonprofit field and understand that providing financial literacy is a worthwhile and necessary endeavor.

Photo: (L to R) Terry Cardwell, Springboard Education Coordinator; Stephanie Granados, Bloomington Middle School Counselor, Nu Kimbwala, Bloomington Middle School Principal; and Carlos Vargas, Springboard Education Coordinator.


HOC Wins Outstanding Service Award
The Housing Opportunities Collaborative (HOC) recently received a special award: Outstanding Service by a Distinguished Organization. This award, granted by the San Diego County Bar Association, reads: "Outstanding Service by a Group or Association Not Composed Primarily of Lawyers or Judges, the Contribution of Which Over a Period of Time Have Had Significant Impact on Some Facet of the Legal System." This award was presented to HOC at the Annual Awards Luncheon on April 20, 2009. Springboard has served as a key partner and participates in all HOC HOME (Home Owner Mobile Education) CLINICS and we received a personal invitation as special guests to attend this award luncheon. We congratulate all of our partners in the HOC and look forward to providing more great education and counseling to home owners with the help of the HOC.



Foreclosure Prevention in Moreno Valley

Springboard was among the participants in a Foreclosure Prevention Workshop hosted by the City of Moreno Valley, CA, U.S. Congresswoman Mary Bono Mack and Fair Housing Council Riverside. In an effort to help Moreno Valley residents reduce their risk of home foreclosure, the City is sponsoring a series of foreclosure prevention events that began with the half-day Foreclosure Prevention Kick-off on Saturday, February 28, 2009 at the Moreno Valley Conference and Recreation Center. For dates and locations of upcoming City of Moreno Valley workshops visit www.moval.org.

Keyneica Jones, Management Analyst, City of Moreno Valley Economic Development Department, Neighborhood Preservation Division (center, orange shirt) with Team Springboard (l to r) Andrea Macedo, Cecilia Garcia, Derrese Chambliss, Alba Gutierrez, Keyneica, Melinda Opperman, and Maricela Lopez. (Not pictured: Michelle Mealey and Lori Lamb.)


America Saves Week

The third annual America Saves Week (www.americasaves.org) took place from February 22 - March 1, 2009. Springboard, a National Foundation for Credit Counseling (NFCC) Member Agency, supports the national campaign, along with the two affiliate campaigns, Military Saves and San Diego Saves. The program goals are promoting the awareness of the need to reduce debt and save money thereby ensuring personal financial readiness and positively impacting the nation's personal/household savings rates.




2009 Photo: A Combined Navy and Marine Corps event was planned through Base Consortiums in the San Diego Region, California. The kick-off for Military Saves Week 2009 was a "Home Clinic" - a community service coalition of city, county, state government, and non-profit agencies in the San Diego region, in collaboration with the Legal Aid Society of San Diego's pro-bono program. Colonel Christopher E. O'Connor, Marine Corps Air Station Miramar Base Commanding Officer (back row, right) with (l to r) Vino Pajanor, HOC Executive Director; Personal Financial Management (PFM) Specialist Craig Hughes who serves MCAS Miramar; Gregorio Estrella, HOC Program Manager; Victoria Johnson, HOC; PFM Supervisor, Pamela Beard, who works at FFSC Naval Base Coronado; Yamila Ayad, HOC; Myrna Pascual, HUD San Diego Field Office; Colonel O'Connor; and Melinda Opperman, Springboard.


2008 Photo: Major Jim Wood, City of Oceanside, issued a proclamation supporting America Saves Week 2008 and the two affiliate campaigns, Military Saves and San Diego Saves. Dr. Patti Wooten-Swanson (right), University of California Cooperate Extension, holding the proclamation with (l to r); Personal Financial Management Specialist Beth Middleton who serves Marine Corps Base, Camp Pendleton; Jennifer Topzand, Pacific Marine Credit Union; Major Alan Crouch, USMC Public Affairs Officer, Marine Corps Installation - West; Mayor Wood; Dr. Wooten-Swanson; Melinda Opperman, Springboard.

Surviving the Holidays
During this holiday shopping season, Springboard continues its important work of promoting and providing financial education and help in the community. "Surviving the Holidays", an education seminar presented by Springboard, teaches consumers to prepare for costs associated with the holidays, manage holiday spending and face the New Year without holiday debt.

Carlos Vargas, with Springboard's Education and Community Outreach team, presents "Surviving the Holidays" at Azusa Pacific University.


Springboard Honored by HOC
Springboard is the recipient of a Certificate of Appreciation from the Housing Opportunities Collaborative. The award was presented recently in honor and recognition of Springboard's work at more than two dozen HOME (Home Owner Mobile Education) Clinics given to distressed homeowners in San Diego County and Imperial County. The Certificate of Appreciation states, "In recognition for your tireless dedication and outstanding support of HOME CLINICS in 2007-2008. You contributed tremendous outreach, formed partnerships and gave invaluable information to distressed homeowners. Your efforts, along with the efforts of housing counselors, mortgage counselors and volunteer attorneys, resulted in valuable information and personal counseling being given to distressed homeowners in San Diego and Imperial County. Your hard work and dedication have aided homeowners immensely in recovering from their financial and mortgage crisis."

(Photo l to r: Housing Opportunities Collaborative Executive Director Vino Pajanor, Esq.; Jennifer Rodriguez, Springboard; Melinda Opperman, Springboard; Myrna Pascual, HUD San Diego Field Office; Maricela Lopez, Springboard.)

Springboard in the Community

Education Team members Terry Cardwell (l) and Carlos Vargas (r) prepare to make a delivery to the Salvation Army in Riverside.

Springboard helped make this Thanksgiving 2008 special for Inland Empire families in need. Inspired by Springboard CFO Marlisa Hodgin, Springboard commenced its first annual Thanksgiving basket donation. Because of Springboard's commitment to helping others, several families enjoyed a tasty Thanksgiving meal that they otherwise were not able to afford. Springboard distributed the Thanksgiving baskets to the following community organizations and centers:

Path of Life Homesless Shelter
Patricia Beatty Elementary
University Heights Middle School
North High School
House of Praise Academy
Alternatives to Domestic Violence
Jefferson Transitional Programs
Soboba Tribal TANF
Path of Life Ministries
Waterman Gardens Head Start
Jefferson Wellness Center
Foster Youth, San Bernardino
Salvation Army Riverside
Volunteer Center Riverside
Walden Family Services
Veronica's Home of Mercy, San Bernardino
Rancho Cucamonga Head Start

Education team members Lori Lamb (3rd from left) and Michelle Mealy (far right) deliver a Thanksgiving basket to Waterman Gardens Preschool in San Bernardino.


National Protect Your Identity Week 2008
In taking the lead in educating Southern California's Inland Empire Community and beyond about the growing problem of identity theft, Springboard hosted a Community Shred and ID Theft Awareness Day on Friday, Oct. 24th at the company's SHINE Center located in Riverside. The event featured identity theft awareness seminars, free on-site document shredding, refreshments and a drawing for a cross-cut shredder. A special agent from the U.S. Secret Service was the featured guest speaker at Springboard's morning seminar. The agent showed a video, which demonstrated the ways in which identity thieves gain access to personal information, and this launched his educational presentation.

Springboard also participated in ID Theft awareness events in San Diego, which included a one-hour radio interview on George Chamberlin's "Money in the Morning" radio program broadcast on KOGO 600 AM.


United States Treasurer Anna Escobedo Cabral (left) with Springboard Home Ownership Preservation/Foreclosure Prevention Counselor Jennifer Rodriguez (right), photographed at the HOME Clinic held at the San Diego Convention Center in July 2008.
San Diego's nonprofit housing Opportunities Collaborative (HOC) came to the aid of several hundred victims of a massive real estate fraud scheme by holding a special HOME Clinic for those victims at the Hall of Justice. The event included local HUD approved housing counseling agencies, including Springboard, and over 80 families having difficulty keeping their homes received counseling.

(l to r) Melinda Opperman, Springboard Vice President of Community Outreach; Yamila Ayad, NAHREP (National Association of Hispanic Real Estate Professionals) Advisory Board, and Springboard Foreclosure Prevention Counselors Victor Martinez, Maricela Lopez, and Jennifer Rodriguez.


Advice on avoiding foreclosure scams

The Office of the Comptroller of the Currency is offering advice to help prevent borrowers from becoming victims of foreclosure rescue scams. The office is also providing a list of resources consumers can use to find qualified sources for help.
Read the OCC's tips for avoiding foreclosure rescue scams here.

Springboard congratulates Housing Opportunities Collaborative Myrna B. Pascual on Award
The San Diego Housing Federation's 13th Annual Affordable Housing & Community Development Recognition Awards event titled "Framing Lives & Building Hope" presented Myrna B. Pascual a Special Recognition Award for her work establishing the housing training workshops and the HOME (Home Owner Mobile Education) Clinics to help distressed home owners facing foreclosure. The recognition acknowledges her vision and leadership in pulling together numerous housing counseling agencies (including Springboard), community and city agencies including the San Diego Bar Association and Legal Aid Society of San Diego to educate and counsel consumers at risk of losing their homes to foreclosure.

(l to r) Beatriz Cortes, Springboard; Gregorio Estrella, Housing Opportunities Collaborative; Myrna B. Pascual with award; Tom Scott, San Diego Housing Federation; and Melinda Opperman, Springboard.

Springboard Announces Winners in 2008 National BE MONEY WI$E Poster Contest

As part of our ongoing financial education programs we invite elementary, middle and high school students in Riverside and San Bernardino Counties to participate in a nationwide youth poster contest. This allows us to promote the importance of wise money management to young students. This year's theme was "Financial Responsibility Begins With Me," and the winners were Kamryn Waller, Isabel Meraz, and Deshanea Smith.
See our press release about the contest Here

Springboard Assists Federal Reserve Bank with Community Response to Rising Mortgage Woes
Springboard's President and Chief Executive Officer Todd Emerson recently spoke before the Federal Reserve Bank of San Francisco. The discussion was on the recent crisis in the mortgage industry and its impact on the community. Springboard is dedicated to educating and counseling consumers, including those who are at risk of mortgage default or in danger of losing their homes to foreclosure.

Every Home Counts Community Workshop
Springboard participated in this presentation by the Neighborhood Housing Services of the Inland Empire, Inc. Held in San Bernardino, CA, this workshop offered information on the current housing market and foreclosure situation, along with panel discussions from volunteer experts and community leaders. We're deeply committed to preserving and expanding homeownership, so we couldn't be prouder of our participation in this important community event.

Money Matters
George Chamberlin hosted a special edition of Money Matters on NBC 7/39 to discuss events of the recent credit crunch. Guests on the show included Melinda Opperman, counselor and Vice President of Community Outreach for Springboard. Melinda visited with George Chamberlin to talk about help for people having a tough time with budgeting and paying off debt.


San Diego's nonprofit housing Opportunities Collaborative (HOC) came to the aid of several hundred victims of a massive real estate fraud scheme by holding a special HOME Clinic for those victims at the Hall of Justice. The event included local HUD approved housing counseling agencies, including Springboard, and over 80 families having difficulty keeping their homes received counseling.

(l to r) Melinda Opperman, Springboard Vice President of Community Outreach; Yamila Ayad, NAHREP (National Association of Hispanic Real Estate Professionals) Advisory Board, and Springboard Foreclosure Prevention Counselors Victor Martinez, Maricela Lopez, and Jennifer Rodriguez.


Advice on avoiding foreclosure scams

The Office of the Comptroller of the Currency is offering advice to help prevent borrowers from becoming victims of foreclosure rescue scams. The office is also providing a list of resources consumers can use to find qualified sources for help.
Read the OCC's tips for avoiding foreclosure rescue scams here.

Springboard congratulates Housing Opportunities Collaborative Myrna B. Pascual on Award
The San Diego Housing Federation's 13th Annual Affordable Housing & Community Development Recognition Awards event titled "Framing Lives & Building Hope" presented Myrna B. Pascual a Special Recognition Award for her work establishing the housing training workshops and the HOME (Home Owner Mobile Education) Clinics to help distressed home owners facing foreclosure. The recognition acknowledges her vision and leadership in pulling together numerous housing counseling agencies (including Springboard), community and city agencies including the San Diego Bar Association and Legal Aid Society of San Diego to educate and counsel consumers at risk of losing their homes to foreclosure.

(l to r) Beatriz Cortes, Springboard; Gregorio Estrella, Housing Opportunities Collaborative; Myrna B. Pascual with award; Tom Scott, San Diego Housing Federation; and Melinda Opperman, Springboard.

Springboard Announces Winners in 2008 National BE MONEY WI$E Poster Contest

As part of our ongoing financial education programs we invite elementary, middle and high school students in Riverside and San Bernardino Counties to participate in a nationwide youth poster contest. This allows us to promote the importance of wise money management to young students. This year's theme was "Financial Responsibility Begins With Me," and the winners were Kamryn Waller, Isabel Meraz, and Deshanea Smith.
See our press release about the contest Here

Springboard Assists Federal Reserve Bank with Community Response to Rising Mortgage Woes
Springboard's President and Chief Executive Officer Todd Emerson recently spoke before the Federal Reserve Bank of San Francisco. The discussion was on the recent crisis in the mortgage industry and its impact on the community. Springboard is dedicated to educating and counseling consumers, including those who are at risk of mortgage default or in danger of losing their homes to foreclosure.

Every Home Counts Community Workshop
Springboard participated in this presentation by the Neighborhood Housing Services of the Inland Empire, Inc. Held in San Bernardino, CA, this workshop offered information on the current housing market and foreclosure situation, along with panel discussions from volunteer experts and community leaders. We're deeply committed to preserving and expanding homeownership, so we couldn't be prouder of our participation in this important community event.


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