Department of Finance

Program for Financial Literacy

Past Events
Community Involvement
Goals
Location

UH Bauer College Financial Symposium 2013

When:
Registration:
Where:
 


Why:

9 a.m.-12 p.m. Saturday,
April 13, 2013
8:30 a.m.-9 a.m.
Cemo Hall, University of Houston
To promote Financial Literacy

In partnership with the Texas Council of Economic Education. Open to all students and the community.

 
MC:
  1. Nico Sullivan: Finance Senior at UH

Nico is actively involved around campus elected as an officer for three out of the four semesters that he has been with the Finance Association. He currently serve as the senior corporate relations officer responsible for establishing and maintain corporate partnerships while connecting FA members to professionals in the field of finance. This semester Nico organizing and executing the Houston Open Outcry Challenge, a nationally recognized competition the Finance Association hosts in conjunction with CME Group. He originally attended college at the United States Air Force Academy on a soccer scholarship, but fell in love with business and decided to peruse his interests at the University of Houston.

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Keynote Speaker:
  1. James Hong: Our Keynote Speaker James Hong founded Hong Financial which offers insurance and investment products and services to businesses and individuals

James Hong was born in Houston on January 3, 1983. His parents (Bryan) and (Deborah) were born in South Korea. A native Houstonian, he learned at a young age how to be an entrepreneur.

Hong graduated from Stratford High School while also playing football, earning him a scholarship at the University of Houston. He went on to graduate from the Bauer College of Business with a double major in Finance and Management. In 2001 while attending U of H, Hong and a former teammate co-founded what is now BE A CHAMPION, INC.- a non-profit youth organization providing youth sports, after-school and tutoring programs to 750,000+ students and youth around the Houston area. The Little Coogs program brings 1,500+ kids per home football game at U of H, providing food, t-shirts, giveaways and a game ticket. This program is designed to expose kids to the University of Houston and give under-privileged kids a college game day experience.

After graduating from U of H, Hong went into financial services working at Mass Mutual Financial Group where he was a financial advisor to individuals and businesses. After 4 years with Mass Mutual Financial Group in 2010, Hong founded HONG FINANCIAL where he is an independent broker offering insurance and investment products and services to businesses and individuals.

Hong is involved heavily with the University of Houston where is a Life Member of the University of Houston Alumni Association; serving in his second term as the President of the Bauer Alumni Association; Secretary of the H-Association (the former lettermen of U of H athletics); Member of Cougar Pride and also teaches an Insurance and Annuities course at the Bauer College of Business. He was also the 2012 recipient of the Rising Star Award from the UHAA. Hong is a Life Member of the Houston Livestock Show and Rodeo, a member of the Young Professionals Committee of the Houston City Club and is a founding board member and Treasurer of the UTZ Foundation, a non-profit organization benefiting Stratford High School student scholarships.

In Fall of 2012, James became a lecturer of the Life Insurance and Annuities course (FINA 4397) - part of the Risk Management Certificate Program at the Bauer College of Business.

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Featured Speakers:
  1. Latha Ramchand: Dean of C.T. Bauer College of Business and Finance Professor
  2. Latha Ramchand is Dean and Professor of Finance at the C. T. Bauer College of Business at the University of Houston. Her previous roles at Bauer include Associate Dean of Programs and Administration, where she was responsible for oversight of all the college's academic programs, and Associate Dean of Graduate and Professional Programs, where she led faculty and staff serving in Master of Business Administration (MBA), Executive MBA Master of Science in Accountancy, Master of Science in Finance, Doctor of Philosophy (Ph.D.) and a variety of professional programs, including Energy Certificate Programs.

    Ramchand teaches in the areas of Corporate and International Finance and Risk Management. She received her Ph.D. in finance at Northwestern University where she attended the Kellogg Graduate School of Management. She is a gold medalist in Economics from Bombay University where she graduated with a master's degree in Economics. Professor Ramchand has taught in the MBA programs at the Kellogg Graduate School of Management, Northwestern University, the University of Houston and the Indian School of Business. Ramchand is a noted expert and speaker on several topics, including international and corporate finance, energy education, corporate governance and leadership, global business, energy and the economy, and women in leadership.

    She has won several awards for her publications, including Best Paper Award in International Finance from the Financial Management Association. Ramchand has also been recognized for her teaching, receiving the 2012 Executive MBA MidCon Teaching Excellence Award and the UH Faculty Excellence Proclamation awarded by the Houston City Council (1995), among other honors. Her publications have appeared in prestigious finance journals, and she has presented her work at various national and international conferences. She is a CFA charter holder and is a member of the Houston Society for Financial Analysts. Ramchand worked in the banking industry prior to joining academia.

    Research Interests

    • International Asset Pricing Models
    • Global Equity Issues
    • Home Bias in Portfolio Composition
    • Mergers and Acquisitions
    • Corporate Governance and Leadership

    Areas of Expertise

    • Corporate Finance
    • International Finance

    Publications

    • "Takeovers, Monitoring and International Corporate Governance", (with P. Kumar), forthcoming, Rand Journal of Economics
    • "Coming to America: IPOs from Emerging Market Issuers", (with R. Bruner and S.Chaplinsky), Emerging Markets Review, Volume 7, Issue 3, September 2006
    • "Does the method of entry matter: Evidence from Indian ADRs and GDRs", (with M.Kalimipalli), Pacific Basin Finance Journal, September 2006
    • "The Underpricing of Equity IPOs that Follow Debt IPOs" (with K. Cai and A. Warga), Financial Management, 2003.
    • "U.S.-Bound IPOs: Entry Costs and Market Selectivity" (with B. Robert and S. Chaplinksy), Financial Management, 2003.
    • "The Impact of SEC Rule 144A on Corporate Debt Issuance by International Firms" (with S. Chaplinksy), Journal of Business
    • "The Impact of Global Equity Offerings" (with S. Chaplinksy), (2000), Journal of Finance, Vol 55, pp 2767-2790.
    • "Changes in systematic risk following global equity issuance" (with P. Sethapakdi), (2000), Journal of Banking and Finance, 24, pp 1491-1513.
    • "Variances and Covariances of International Stock Returns: The International CAPM Revisited" (with R. Susmel) 1998, Journal of International Financial Markets, Institutions and Money, Vol.8, No.1, pp 39-58.
    • "Volatility and Cross Correlation in Global Equity Markets" (with R. Susmel) 1998, Journal of Empirical Finance, Volume 5, No.4, October 1998, pp 397-416.
    • "Asset pricing in international markets in the context of agent heterogeneity and market incompleteness", forthcoming, Journal of International Money and Finance, 1999, 18, 871-890.
    • "Changes in Liquidity Following Exposure to Foreign Shareholders: The Effect of Foreign Listings and Issues of American Depositary Receipts by Indian Firms" (with M. Kalimipalli), 2001, National Stock Exchange India Limited.
    • "Differences in Accounting Standards and Ease of Entry into the U.S. Market: A Survey of Foreign Films Raising Equity in the U.S." (with S. Khumawalla), 2002, Public Funds Digest, Vol II, No. 1, 68-84.
    • "Country Level Corruption and Frequency of Issue in th U.S. Market" (with S. Khumawalla), Journal of Public Budgeting, Accountability and Financial Management.
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  3. Donald Bowers II: Assistant Vice President, Federal Reserve, Houston Branch
  4. Donald Bowers, a native Houstonian, received his bachelors’ degree from Rice University in 1991. He joined the Federal Reserve Bank in 1990 as a Research Assistant and joined the Bank’s Management Development Program in 1991. In 2004, he was promoted to Assistant Vice President. He currently serves as secretary to the Houston Branch Board of Directors and maintains responsibility of the Bank’s human resources, public affairs, law enforcement, and business continuity functions.

    Donald and his wife, Shawn, are the proud parents of two outstanding young men. Their older son is a graduate of the United States Naval Academy, and is a newly commissioned Ensigsn in the United States Navy. Their younger son is a student at Texas State University.

    Donald is a member of the Rice University Alumni Board, and has served on the board of the Houston Area Urban League. He is also active with Greater Houston Partnership, World Affairs Council of Houston, Center for Houston’s Future, Youth About Business, Discovery Youth Foundation and the Texas Women’s Empowerment Foundation. Donald and his family are members of the Fifth Ward Church of Christ.

    Donald earned an M.B.A. from Sam Houston State University with a concentration in Banking and Finance. He is also a senior fellow member of the 29th Class of American Leadership sForum Houston Gulf Coast Chapter.

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  5. Alexander Obregon: Special Projects Coordinator, Office of the City Controller Outreach
  6. Alexander W. Obregon is the Special Projects Coordinator for the Office of the Houston City Controller. Alexander began his tenure with the city when Controller Ronald Green assumed office in January 2010.

    Alexander currently serves as Chair of the city’s Bank on Houston Financial Education Committee, overseeing the program’s financial education initiatives. Bank on Houston is one of the largest ‘Bank on’ programs in the nation and has reached thousands of individuals in the Houston MSA area. In 2010, Alexander led an effort with the United States Conference of Mayors to bring the first “Financial Planning Day” to Houston.

    Alexander was elected to serve as Treasurer of the Board of Directors for Skills 4 Living, Inc., a Houston area non-profit agency dedicated to promoting financial education among low- and moderate-income families in the greater Houston metro. Alexander also serves on the FDIC’s Alliance for Economic Inclusion Advisory Council.

    Alexander holds a BS in psychology from the University of Houston, and is an MBA candidate in the C.T. Bauer College of Business. Obregon was awarded the Alliance for Economic Inclusion 2011 Pioneer Award for his work in the field of financial education and received the U.S. President’s Volunteer Service Award.

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Agenda:
Time
Events
 
 
8:30-9 a.m
Registration in the Lobby of Cemo Hall, University of Houston main campus
 
 

9-9:50 a.m

Welcome and Introductions by Nico Sullivan, Finance Senior at UH, Latha Ramchand, Dean & Professor of Finance at the C. T. Bauer College of Business - Education and Outreach, Donald Bowers, II, Assistant Vice President, Federal Reserve - Houston Branch Overview of the Need for Financial Education Outreach, Alex Obregon, Special Projects Coordinator, Office of the City Controller Outreach, Keynote Speaker James Hong, President of the Bauer Alumni Association, founder of Hong Financial, and Lecturer for the Life Insurance and Annuities course for Bauer College of Business , Laura Ewing, Awards to K-12 Students winners of Money Management Poster Contest by Texas Council for Economic Education (TCEE).

 
 
10-10:50 a.m
Breakout Session 1:
  • How to Pay for College
  • Managing Your Money: Cash Flow, Spending and Saving
  • Career in Finance and Financial Planning
 
 
11-11:50 a.m
Breakout Session 2:
  • Is it Worth the Cost of an Extra Semester?
  • Evaluating and Negotiating a Job Offer
  • Understanding Your Credit Report
 
 
Session Topics:
Saturday, April 13, 2013, from 9 a.m. - 12 p.m. at Cemo Hall, University of Houston.

Click each session topic for more information.

  • How to Pay for College

    With rising costs, paying for college is one of the primary concerns for students and their families. This session will provide valuable information from a student who has gone through the process, and from the UH Office of Scholarships and Financial Aid.

    Target Audience

    Parents & students planning for college or in college

    Facilitators:
    1. Tedric Breed, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    2. Tedric Breed is a graduating senior at the University of Houston's Bauer College of Business who is majoring in finance with a minor in accounting; he is also a part of the university's Honors College. He currently works part time with the Bauer College as a Financial Planning Coordinator whose objective is to promote financial literacy to the rest of the campus, as well as the Houston community, through financial seminars and workshops. He has been a student leader throughout his years at the university, formerly serving as an active member, Fundraising Chair, and Vice President of the Bauer Ambassadors, as well as volunteering time to help guide underclassmen in their future endeavors. Tedric will be presenting at the Bauer College's second annual Financial Symposium in the "Cost of an Extra Semester" session.

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    3. Destinie Ross, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    4. Destinie Ross is a junior at the University of Houston and will graduate receiving her Bachelors of Business Administration in Finance. Currently, Destinie works for the C.T Bauer College of Business as a Financial Planning Coordinator. She is passionate about helping her community understand the importance of financial literacy. As a transfer student from Southern Illinois University, she is a recipient of the the Jesse H. Jones scholarship. Destinie is also an Alum of Bauer's Emerging Leaders Academic Success Program. Destinie spent one year being an effective officer in formerly known student organization, Students in Free Enterprise. (SIFE) Through her school work, volunteering, working, and her involvement in student organizations she strives to be a well-rounded individual.

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    5. Sravya Chilukuri, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    6. Sravya Chilukuri is a junior at the University of Houston majoring in Finance and minoring in Mathematics. Sravya is currently working for the Bauer College of Business as a Student Financial Planning Coordinator, with the goal of promoting financial literacy across the university and Houston community via financial workshops and seminars over topics that include: college funding solutions and money management. She is also the outreach officer of the Finance Association, whose main objective is to connect successful and driven Bauer students to the youth in our city, with the hopes of inspiring them to become high achievers and providing them with the guidance to do so. In addition to her extensive involvement and leadership within student organizations, she is an active volunteer in her community events and can speak numerous languages such as Hindi, and Telugu.

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    7. Representative, University of Houston Office of Scholarship and Financial Aid

     

  • Managing Your Money: Cash Flow, Spending and Saving

    You seem to always be short of money; your money simply "disappears". What's going on? Learn real world strategies for managing your cash flow so that you know where your money is going and you are not caught short when emergencies happen.

    Target Audience

    Students and the community

    Facilitators:
    1. Tammy Mermelstein, Director of Adult Programs and Certified Financial Coach, at Skills For Living

     

    Tammy Mermelstein is the Director of Adult Programs and Certified Financial Coach at Skills For Living. Since she joined the staff in 2007, she has grown the program from serving 60 people per year in one initiative to serving over 1,200 per year in several initiatives. To date, Skills 4 Living’s adult programs have had over a $9,000,000 economic impact in new wages, taxes, and accumulated assets. Tammy also has developed several award-winning interactive financial games to inspire people to seek financial education. She is a 2012 recipient of the League of Women Voters Rising Star Award, a 2011 recipient of the Alliance for Economic Inclusion Pioneer Award, and a two time Houston Money Week Benjy Award Winner. Tammy earned her Bachelor of Arts degree from Stephen F. Austin in 2000, her law degree from the University of Miami (FL) in 2003, and her Masters in Social Work, with specializations in child welfare policy and non-profit management, in 2005.

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  • Careers in Finance and Financial Planning

    When choosing a career, it is not only important to consider your skills and interests, but also what careers you can align them with to support the lifestyle you desire. There will an opportunity to hear about careers in finance, especially in personal financial planning services.

    Target Audience

    High School and College Students

    Facilitator:
    1. Elizabeth Knapp, Career Counselor 2, University of Houston C. T. Bauer College of Business
    2. Elizabeth Knapp is the Finance and Management Information Systems Career Counselor at the Rockwell Career Center in the Bauer College of Business. Prior to this role, she was an Academic Advisor for Accounting and Finance students before moving into the role of Career Development Curriculum Manager and co-instructor for the GENB 2301 course. In her current position, she works with students on an individual basis preparing them for their job search and future careers. Elizabeth received a Bachelor of Science degree in Journalism and a Master of Science in Educational Administration from Texas A&M University. While in school, she wrote for the Texas A&M Battalion, the official newspaper of Texas A&M University. As a graduate student, she worked in the Department of Student Life where she directed the off campus housing fair for the Texas A&M student body. She later worked for Aggie Access Learning Communities where she planned events for incoming freshmen students, worked on student retention efforts and took a group to Spain. Living overseas for a large portion of her childhood allowed Elizabeth to gain an appreciation for other cultures and for travelling. She grew a passion for working with the international population at universities while in college which helped to open the door for her to act as Director of I-Camp, an orientation session for new international students, at Texas A&M, for three years. Elizabeth has been certified as a Strengths Advocate through Gallup and has facilitated StrengthsQuest workshops for staff and students at the University of Houston. She also participated in and completed the Management Leadership Institute through the National Association of Colleges and Employers and holds her College Teaching Certificate through Texas A&M. She is currently a member of the National Career Development Association and the National Association of College and Employers.

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    Panelists:
    1. Donald Bowers II, Assistant Vice President, Federal Reserve, Houston Branch
    2. Donald Bowers, a native Houstonian, received his bachelors’ degree from Rice University in 1991. He joined the Federal Reserve Bank in 1990 as a Research Assistant and joined the Bank’s Management Development Program in 1991. In 2004, he was promoted to Assistant Vice President. He currently serves as secretary to the Houston Branch Board of Directors and maintains responsibility of the Bank’s human resources, public affairs, law enforcement, and business continuity functions.

      Donald and his wife, Shawn, are the proud parents of two outstanding young men. Their older son is a graduate of the United States Naval Academy, and is a newly commissioned Ensigsn in the United States Navy. Their younger son is a student at Texas State University.

      Donald is a member of the Rice University Alumni Board, and has served on the board of the Houston Area Urban League. He is also active with Greater Houston Partnership, World Affairs Council of Houston, Center for Houston’s Future, Youth About Business, Discovery Youth Foundation and the Texas Women’s Empowerment Foundation. Donald and his family are members of the Fifth Ward Church of Christ.

      Donald earned an M.B.A. from Sam Houston State University with a concentration in Banking and Finance. He is also a senior fellow member of the 29th Class of American Leadership sForum Houston Gulf Coast Chapter.

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    3. Reva Zhao Azeez, Financial Services Professional, Strategic Financial Group
    4. Reva Zhao Azeez is a financial services professional who specializes in small business financial planning and advising. Using a long-term relationship approach, she provides a comprehensive analysis financial goals and objectives for her clients. Reva is a graduate of the Bauer College of Business with a Bachelor of Business Administration in Finance and Marketing. She also received the Certified Financial Planner Certificate from Rice University.

      Reva started building her own practice right out of college and in her first year of building her own practice, she was ranked No. 1 in the country in her experience group and was recognized as the Rising Star by The National Association of Insurance and Financial Advisors (NAIFA). Reva qualifies every year for the Million Dollar Round Table, a world-wide organization that selects members based on high productivity and leadership benchmarks.

      Reva is married with two young sons. Her passion is helping college students and giving back to where she came from, and that’s the C.T. Bauer College of Business.

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    5. Alfred (AL) Coleman, Community Affairs Specialist, Dallas Region
    6. Alfred “Al” Coleman possesses more than 28 years of progressive experience working throughout the FDIC as a Bank Liquidation Specialist, Oversight Manager, Training and Recruitment Specialist, Assistant Compliance Examiner, Closing Manager, Liquidator-in-Charge, and Community and Government Public Relations Specialist. Currently, Mr. Coleman is the Financial Education Coordinator for the Dallas Region.

      Mr. Coleman has served as an Adjunct Faculty member in Economics and Finance for Prairie View A & M University and Lone Star College of Houston, Texas and is currently an Adjunct Faculty for University of Phoenix in the College of Humanities. He has also taught numerous financial literacy classes and conducted Train–the–Trainer sessions throughout the region.

      Mr. Coleman has a Bachelor of Science in Business Administration from Paul Quinn College and a Masters of Business Administration in Management from Amberton University. Mr. Coleman also holds a certification from Langevin Training Services as a Certified Training Director/Facilitator. Mr. Coleman is the recipient of several FDIC and industry awards and serves as a mentor and coach for several Youth Sporting Organizations in his spare time.

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    7. Leonard Loyd, Senior Vice President Business Banking Sales Manager, Regions Bank
    8. Leonard Loyd has been a Houston Banker for over 30 years. His banking career includes expertise in both commercial and consumer banking. He is currently Senior Vice President and West Houston Business Banking Sales Manager for Regions Bank. He grew up in Houston and received a BBA with a major in Economics and a Master’s Degree in Economics from the University of Houston. Additionally, he served as a lecturer at the University of Houston for 29 years teaching undergraduate and graduate courses in economics and finance. Mr. Loyd served as Chairman of The Texas Council of Economic Education, and was separately a member of the Council’s board of directors. Among his civic activities, he is a life member of the Greater Houston Partnership and continues to teach/facilitate classes for the Junior Achievement in the Houston area. He and his wife have been married 33 years and have one son, Ryan, who earned his Bachelor’s degree from the University of Houston with a dual major in economics and psychology.

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  • Is it Worth the Cost of an Extra Semester?

    In this session, an analysis of the various financial and non-financial implications of graduating a semester late will be presented, as well as a hypothetical calculation of exactly how much that one deferred semester will cost you. In addition, there will be a panel of educators that will offer their personal opinion on the matter. A high percentage of students today choose to stay in school longer than four years, for a multitude of reasons, so it is important that students truly know and understand the effects of this decision so they can do an accurate cost benefit analysis when determining whether to stay in school longer or to graduate and begin working

    Target Audience

    Parents & students planning for college or in college; High School & College Students

    Facilitator:
    1. Tedric Breed, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    2. Tedric Breed is a graduating senior at the University of Houston's Bauer College of Business who is majoring in finance with a minor in accounting; he is also a part of the university's Honors College. He currently works part time with the Bauer College as a Financial Planning Coordinator whose objective is to promote financial literacy to the rest of the campus, as well as the Houston community, through financial seminars and workshops. He has been a student leader throughout his years at the university, formerly serving as an active member, Fundraising Chair, and Vice President of the Bauer Ambassadors, as well as volunteering time to help guide underclassmen in their future endeavors. Tedric will be presenting at the Bauer College's second annual Financial Symposium in the "Cost of an Extra Semester" session.

      ×
    3. Destinie Ross, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    4. Destinie Ross is a junior at the University of Houston and will graduate receiving her Bachelors of Business Administration in Finance. Currently, Destinie works for the C.T Bauer College of Business as a Financial Planning Coordinator. She is passionate about helping her community understand the importance of financial literacy. As a transfer student from Southern Illinois University, she is a recipient of the the Jesse H. Jones scholarship. Destinie is also an Alum of Bauer's Emerging Leaders Academic Success Program. Destinie spent one year being an effective officer in formerly known student organization, Students in Free Enterprise. (SIFE) Through her school work, volunteering, working, and her involvement in student organizations she strives to be a well-rounded individual.

      ×
    5. Sravya Chilukuri, Financial Planning Coordinator, University of Houston C. T. Bauer College of Business
    6. Sravya Chilukuri is a junior at the University of Houston majoring in Finance and minoring in Mathematics. Sravya is currently working for the Bauer College of Business as a Student Financial Planning Coordinator, with the goal of promoting financial literacy across the university and Houston community via financial workshops and seminars over topics that include: college funding solutions and money management. She is also the outreach officer of the Finance Association, whose main objective is to connect successful and driven Bauer students to the youth in our city, with the hopes of inspiring them to become high achievers and providing them with the guidance to do so. In addition to her extensive involvement and leadership within student organizations, she is an active volunteer in her community events and can speak numerous languages such as Hindi, and Telugu.

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    7. Representative, University of Houston Office of Scholarship and Financial Aid

     

  • Evaluating & Negotiating a Job Offer

    Target Audience

    Students and the community

    Facilitator:
    1. John Lopez, Clinical Associate Professor, University of Houston C. T. Bauer College of Business
    2. Since the undergraduate days at the University of Houston’s Bauer College of Business, John Lopez has had an interest in personal finance savings, money management, investing, and making smart decisions when it came to money. Upon graduation, he attended Texas A&M where he earned an MBA in Finance. He entered “Corporate America” and worked for several major international firms - more at www.linkedin.com/in/johnclopez.

      Later in life he continued his education in personal finance by attending Rice University’s Certified Financial Planner Program and then successfully completing the CFP Certification Exam (http://www.cfp.net/). After early retirement and a 2 year sabbatical to travel and explore, he began teaching Financial Planning at Bauer. He is passionate about teaching students the fundamentals needed to become financially secure and ultimately financially independent.

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  • Understanding Your Credit Report

    Target Audience

    Students and the community

    Facilitator:
    1. Sherrie Young, Executive Director, Credit Coalition of Houston
    2. Sherrie Young serves as the Executive Director of the Credit Coalition, a HUD Approved Housing Counseling Agency, whose membership includes Houston area financial institutions, community organizations, community leaders and other related businesses and organizations. She is the Credit Coalition’s lead instructor and foreclosure intervention, credit, homebuyer and reverse mortgage counselor. Aside from counseling and conducting Credit Coalition classes, Sherrie participates in many community events to help spread the word about financial education, Individual Development Accounts, free VITA site tax preparation assistance, and other programs that can help families build their assets. She is the Co-Chair of the Counseling Committees of the Texas and Greater Houston Foreclosure Prevention Task Forces.

      Sherrie is a certified homebuyer education provider under the Texas Statewide Homebuyer Education Program /Texas Department of Housing and Community Affairs and a Reverse Mortgage Counselor with the Reverse Mortgage Education Project. She completed her Accredited Financial Counselor Certification in 2007 and holds NCHEC Certifications in Housing Counseling, Pre-purchase Homeownership Education and Foreclosure Intervention and Default Counseling.

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