Safety Net

Through Safety Net financial counseling, NYLAG provides comprehensive, free financial counseling and legal services, in partnership with NYLAG’s legal units, to meet the food security, housing, health and economic stability needs of Safety Net clients throughout New York City, Long Island, and Westchester. Through strong partnerships with network social service agencies, NYLAG has created an integrated, coordinated, and innovative service strategy designed to help vulnerable Jewish New Yorkers and the elderly meet their basic life-sustaining needs. Our financial counselors work with all of the NYLAG Safety Net Program staff to provide integrated services to clients from network agencies. Financial counselors travel to different sites to meet with clients one-on-one or to hold group workshops as needed. They also periodically travel onboard NYLAG’s Mobile Legal Help Center to provide direct services to clients, based on community needs. The Safety Net Program is funded by the UJA- Federation of New York.

NYLAG Financial Counseling Safety Net Webinar Series

NYLAG’s 2013-2014 Financial Counseling Webinar Series will cover critical, safety-net specific financial themes. NYLAG’s financial counseling team works to empower individuals and families to navigate difficult financial situations. Financial counseling can help clients organize their finances, set financial goals, and strategize to meet these goals.

Join us every other month (November, January, March, May, July, and September) to learn more about prevalent financial issues and possible financial counseling solutions.

NYLAG’s Financial Counseling Webinar Series is supported by the UJA Federation of New York. If you have any questions about the webinar or the webinar series, please contact Camila Vega at [email protected].

Upcoming Webinars:

Check back soon for upcoming webinars.

Archived Webinars:

Important Tips for Protecting Your Finances
With Cami Capasso, Financial Counselor
Hosted by the New York Legal Assistance Group (NYLAG)
Click here to access this July 18, 2014 webinar.

In today’s volatile economy, having a plan for managing your money and limiting expenses is more important than ever. In this workshop, we will go over some practical money-management tips and cost cutting solutions for those living on a fixed income. We will also review strategies you can use to protect your personal information and safeguard your finances, including how to recognize potential red flags that might make you vulnerable to ID theft and fraud.

ID Theft and Financial Scams
With Mark Alpert, Financial Counselor
Hosted by the New York Legal Assistance Group (NYLAG)
Click here to access this November 19, 2013 Webinar.

Eight in 10 consumers have received a potentially fraudulent financial offer and every year over 9 million people are victims of identity theft, costing Americans over $50 billion per year.  Have you ever received emails from a foreign prince asking you to move his money, or a long lost relative who needs immediate financial help?  Most scams are far more subtle and may look like a legitimate information request from your bank or another trusted institution.  Or, you may not even be aware that someone has opened up charge cards in your name until the collectors come knocking.

Join us for a webinar on how to avoid becoming a target of financial predators. NYLAG financial counselor Mark Alpert will review important information on how you can protect your ID and assets, and what to do if you’ve become a victim.

Toward the Golden Years: Debt Management Strategies 101
With Jeff Garofano, Financial Counselor
Hosted by the New York Legal Assistance Group (NYLAG)
Click here to access this  January 14, 2014 Webinar.

Some have said that America has a “plastic safety net” for its senior citizens.  One-third of seniors rely on credit cards to cover basic living costs.  Today’s environment is difficult for seniors: Social Security yearly increases are small or nonexistent, employer-provided pensions are becoming rarer, and yet medical costs continue rising faster than general inflation.  While the federal government targets lower interest rates to boost the economy, seniors have to invest in riskier savings vehicles in order to get the return they used to count on.  New York City has the particular challenge of high rent and home prices; roughly half of all New Yorkers spend more than half their incomes on rent.  With all these headwinds, it is important to have a strategy when repaying debt.  Debt priority is based on a hierarchy of needs (food, shelter, water) and the limits of law.  Many seniors pay their bills out of order, and aren’t aware of the protections under law for particular types of income and savings.  This presentation will introduce debt management strategies for elderly low-income people, so that they can enjoy their golden years.

Credit Reports, Credit Scores, and Improving your Credit
With Doug Ostrov, Director of NYLAG’s Financial Counseling Division
Hosted by the New York Legal Assistance Group (NYLAG)
Click here to view/ download printable slides from this March 13, 2014 Webinar.

This is a core NYLAG Safety Net Financial Counseling workshop and topic. Learn how to access and understand your credit report and score, and its impact on your finances. This training will cover the determinants that make up your credit score, how to break down and potentially dispute errors on a credit report, and the consequences of poor credit. How to improve your credit rating through tangible means will also be discussed.

Public Benefits, Retirement Accounts, and One-Time Payments
With Ervis Burda, Financial Counselor
Hosted by the New York Legal Assistance Group (NYLAG)
Click here to access this May 20, 2014 Webinar.

This webinar will discuss the intersection of public benefits, retirement savings account and one-time payments. We will discuss eligibility and financial disclosure requirements for various public benefit programs. Provide information and strategies on how to organize and utilize existing resources to minimize the negative impact for access to health care and other social services. We will also discuss the receipt of one-time payments how they might impact existing benefits and how to budget and organize finances to minimize harm.

Webinar participants will have access to one-on-one personal financial counseling with a NYLAG professional financial counselor.