com/thecenter

About Harris Interactive(R)

Harris Interactive Inc.

(1) Assumes 8 percent annual rate of return..

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WHERE: State Capitol, Sacramento - South Steps (N Street)

WHO:
California Bankers Association (Sponsor)
California Department of Financial Institutions (Supporter)
California Jump $tart Coalition (Coordinator)
Federal Reserve Bank of San Francisco
California Mortgage Brokers Association (Supporter)
California Council on Economic Education
California State Bar, Financial Institutions Committee
Citibank
EARN
BizWorld
Federal Trade Commission
Home Savings Mortgage
Internal Revenue Service
It's A Habit (Sammy the Rabbit)
Wells Fargo - Hands on Banking
Center For Student Credit Card Education

Agenda
9:45 am - Light Breakfast
10:00 am - Press Conference
11:00 am - Financial Literacy Fair
11:45 am - Budgeting - The Money Camp
12:05 pm - Hosted Lunch
12:15 pm - Credit Management - Citibank
12:45 pm - Read-along with Sammy Rabbit (It's a Habit)

To register, contact Catherine Silvestre, President, CA Jump$tart
Coalition , 415-863-1158 or by email csilvestre@cajumpstart. The Summit
participants will then go into four Breakout Seminars on "Building
Credit + Repairing Bad Credit and Basics of Banking;" "Wealth Building
+ Asset Management;" "Home Ownership + Auto Financing" and
"Entrepreneurship.
Other sponsors include Clear Channel's Q93FM, The City of New
Orleans, the Lieutenant Governor's Office of the State of Louisiana,
Xavier University and the Rush Card.

businessweek earnings

The presenting sponsor of the New Orleans Hip-Hop Summit is
Anheuser-Busch, Inc.

This category contains web sites on the topic of Personal Finance that are of interest to the general public, including Budgeting, Social Security, Individual Retirement Accounts and more.

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"Women statistically live longer than men, are more likely to take
time off from their careers or work part-time, and often earn less,"
said Collinson. According to the survey, about one-third (31
percent) of both men and women are guilty of basing their estimates on
guesswork, rather than through a worksheet or calculator (12 percent)
or with the help of an advisor (9 percent).
Harris Interactive(R) combines its intellectual capital, databases
and technology to advance market leadership through U.S. full-time
business employees ages 18 and over of whom 666 work for a small
business and 535 work for a large business. Employer data were
weighted based on employee size distributions reported by Dun +
Bradstreet within the 10-499 and 500+ employee ranges . firms of the target sizes.

considerable kiplinger

Although the
survey results show that employed men and women started saving at the
same age (27 was the median for both) and both participate in their
company retirement plans at similar levels (76 percent of women and 75
percent of men), women lag behind men in several important areas:

Women report contributing a median of 6 percent of their pay
to their company-sponsored retirement account, compared to 7
percent for men.

Women report spending just five hours per year monitoring and
managing their retirement accounts, compared to 10 hours for
men.

Women report lower current retirement savings ($71,800 for
female workers versus $122,700 for male workers).

investing fundamentals

dfi.gov/cflm2005. Benjamin Chavis, President /CEO of the Hip-Hop Summit
Action Network (HSAN) announce the convening of the first Hip-Hop
Summit on Financial Empowerment."
The New Orleans Hip-Hop Summit on Financial Empowerment will begin
with a Career Expo which will present companies and businesses that
have employment opportunities to offer from 8-11am, followed by a
Summit Opening Orientation from 11am - 12 noon.
To register for the New Orleans Hip-Hop Summit on Financial
Empowerment, go to www.

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In fact,
when asked to choose between excellent retirement benefits or a higher
salary, women were more likely to choose the security of excellent
retirement benefits. (www. EOE M/F/D/V

About the survey

Harris Interactive (R) conducted the telephone survey conducted for
the Transamerica Center for Retirement Studies between August 31 and
October 6, 2004 among 601 U. business employers who have a role in
decisions regarding employee benefits; of these employers 365 work for
a small business (10-499 employees) and 236 work for a large business
(500 or more employees).S.4 percentage
points and plus or minus 2.

finplan considerable

Financial Literacy Fair

----

TO: Personal Finance and Education writers/editors

WHAT: Financial Literacy Fair and Press Conference

WHY: April has been designated as "California Financial Literacy
Month," and we will be both celebrating successes and focusing
on future challenges.

fundamentals finance

"

Women may be selling themselves short when it comes to retirement

Though women are less prepared for retirement than men, they feel
just as strongly that a 401 (k) plan is an important benefit.harrisinteractive.S.. - 2 p. The New
Orleans Hip-Hop Summit on Financial Empowerment will convene on the
campus of Xavier University on Saturday, April 9, 2005 at the Student
Center, 1 Drexel Drive, New Orleans from 8am-3pm central time.

finplan aarp

Transamerica Survey Reveals That Women 's Retirement Security May Be at Risk

"Many women are suffering from a confidence crisis. "These circumstances create added challenges for women
when it comes to saving, planning for retirement and budgeting for
post-retirement expenses.novatris. "We're bringing the best of hip-hop culture with the best
expertise on financial matters that impact the quality of life of our
communities .
"The New Orleans Hip-Hop Summit on Financial Empowerment is
another substantive step forward as we engage the power of hip-hop to
promote social change," declared Dr.org

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Timely actions
taken today will ultimately enable women to achieve a more comfortable
and secure retirement.

Results
from the employee sample were weighted to reflect the distributions of
employees in U . "Specifically,
'Get Your Money Right' is a serious effort to educate and motivate
young people to get their finances in order and to build a strong,
lifelong financial foundation."

About Hip-Hop Summit Action Network

HSAN is a non-profit, non-partisan national coalition of artists ,
entertainment industry leaders, education advocates, civil rights
proponents and youth leaders united in the belief that the "hip-hop"
phenomena is an enormously influential agent for social change which
must be responsibly and pro-actively utilized to fight the war on
poverty and injustice .

cnbc smartmoney

S.4 percentage points for the employee sample
results.

Entertainment Editors

NEW YORK ----Russell Simmons,
Chairman and Dr. Other artists to be announced.

wachovia fsu

Also surveyed were 1,201 U.

Business Editors/Education Editors
REMINDER.

budgeting finance

Despite similar participation rates between men and women in
company-sponsored retirement plans, the survey found that female
workers are less confident that they will be able to retire in a
lifestyle they would consider comfortable and have less money saved
for retirement compared to male workers ($71,800 for female workers
versus $122 ,700 for male workers).

Unfortunately, in assessing their needs for retirement, women may
not be taking into consideration the additional challenges they face
when it comes to saving.-based global research company that blends premier
strategic consulting with innovative and efficient methods of
investigation, analysis and application. Sampling error for sub-sample results of employed men (654 )
and women (547) is plus or minus 4 percentage points. Teaching Californians to take charge of their money
will empower them to lead financially stable and economically
productive lives , thus ultimately achieving the "American
Dream.
"We're starting our journey in New Orleans to inspire and motivate
young people to take more seriously both the opportunities and the
responsibilities of being financially empowered," emphasized Russell
Simmons.

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Current and past surveys are
available on the Center's Web site at www. Known for The Harris Poll(R)
and for pioneering Internet-based research methods, Harris
Interactive(R) conducts proprietary and public research to help its
clients achieve clear, material and enduring results.hieurope.

REMINDER/Department of Financial Institutions Participates in Financial Literacy Fair and Press Conference at State Capitol on April 19 2005

Fresh, Joseph "Reverend
Run" Simmons, Wild Wayne and DJ Slab 1.hsan.

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org.

Additional information available on the California Financial Literacy
Month Web site, http://www.

First Hip-Hop Summit on Financial Empowerment to Convene in New Orleans

myprimetime considerable

Business Editors

LOS ANGELES----The sixth annual
Transamerica Small Business Retirement Survey of employed adults shows
that women in the United States are less prepared for retirement than
men and face continuing challenges in planning for a financially
secure future.com), the 15th
largest and fastest-growing market research firm in the world, is a
Rochester, N. offices and
wholly owned subsidiaries: London-based HI Europe (www.

marketwatch aarp

Despite having increasingly longer life expectancies, women
estimate that they will need to save an average of just
$639,000 to meet their retirement goals -- one-third lower
than men, who estimated they would need an average of
$941,000."

About the Transamerica Center for Retirement Studies

The Transamerica Center for Retirement Studies promotes knowledge
and understanding of employer and employee-related retirement issues
in the small to mid-size business community, ranging from emerging
retirement trends to new legislation." Following the Breakout Seminars will be an Artist
Panel featuring testimonials from the personal experience of hip-hop
artists and others who have achieved financial success. Benjamin Chavis.

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Celebrity appearances will include Doug E.

myprimetime investing

com), Tokyo-based Harris
Interactive Japan, through newly acquired WirthlinWorldwide, a Reston,
Virginia-based research and consultancy firm ranked 25th largest in
the world, and through an independent global network of affiliate
market research companies. Under the theme "Get Your Money
Right," HSAN is focusing this year's Hip-Hop Summits on improving
financial literacy and empowerment among millions of youth throughout
the United States who are part of the hip-hop generation.

fundamentals considerable

"More than half of women surveyed
believe that they could work until age 65 and still not have saved
enough for retirement -- and if they don't take action, they may be
right .
While recognizing the importance of savings, women may not be
taking full advantage of available savings vehicles. The employee
data were weighted by gender, age, education, ethnicity, region,
household size and number of telephone lines in the household.m.

fsu inflation

They're much
less likely than men to believe that their personal finances or the
economy will improve in the next twelve months," says Catherine
Collinson, retirement and market trends expert for the Transamerica
Center for Retirement Studies ."

Small changes can yield big results

The good news for women -- as well as men -- is that small changes
in their savings strategy can make a big difference in helping to meet
retirement savings goals.
"Although saving and planning for retirement may seem daunting, it
can be quite empowering," concludes Collinson.m.ca.

budgeting investing

For example, by saving an extra $100 per
month, a 30-year old worker could increase the size of his or her
retirement nest egg by over $200,000 at the age of 65. Californians must be better prepared to
make informed decisions regarding their financial future.

cch inflation

Women report not knowing as much as they should about
retirement investing (80 percent for female workers versus 67
percent for male workers). "Women have the ability
to positively influence their financial destinies.com),
Paris-based Novatris (www. As a
result, members of the finance and education communities are
working together to increase the level of financial literacy in
the state."

WHEN: April 19, 2005, 10 a.

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(1)
At the same time, both men and women could benefit from more
careful planning.ta-retirement. With a sample of this
size, one can say with 90 percent certainty that the results for the
employer sample have a sampling error of plus or minus 3.