Here are a few caveats: 1) Before you volunteer, make sure you are in conversation with your supervisor, and 2) Our hearings occasionally run past 5:00 PM, so if you are on a tight timeline because of family or social commitments, just be aware that once you commit it is really important to have you be available "for the duration" whatever that ends up looking like.

With all that said, please consult your calendar and email me with the date(s) you are available and willing to help out. I will reply and ask you to put a tentative hold on your calendar and then confirm the specific time and nature of the hearing when we get closer to the actual date. Thanks again for your support of this important task!

Regards,

We get it: the financial struggle is REAL at times! Taking out student loans, paying bills, managing expenses, and saving money require strategic planning and decision making. Developing financial savviness takes knowledge, but starting now, as a student, can have a life-long impact! 

With that in mind, we interviewed Hannah Sadollah, the Programs Specialist for FinancialSmarts @ UMBC (which she'll talk about in her interview), to shed some light on this important topic.  

Extra Credit: Why do you think it is essential for college students to build up their "financial savviness" right now?  

Hannah: Education is an investment in yourself. College is an experience and an investment, so make sure you get a high return on investment (ROI) or benefit relative to the cost. Your college experience can still be amazing while you become more financially savvy. There are ways to make lasting memories while saving money, and saving money now will seriously impact your future. 

College can be stressful; balancing classwork, extracurricular activities, and social life makes it easy to get overwhelmed and stressed out when throwing personal finances into the mix. Becoming financially savvy can help reduce this stress. For example, hanging out with friends doesn't always have to break the bank. The UMBC Student Events Board (SEB) hosts multiple events (online and in-person) every week like; Karaoke Nights, Yoga sessions, or Glow Dodgeball! Another example is FinancialSmarts @ UMBC which hosts events during hybridMoney Smart Week, where students can win prizes just by attending an event. These are great ways to hang out with friends, meet new people, and save or even win money! Try following groups like FinancialSmarts on social media to learn more about their free events. 

Extra Credit: What is one financial topic you recommend college students learn more about?  

Hannah: Managing money, specifically savings. As a current student, unexpected costs come up all the time. Whether it's an extra book that you need for class or replacing a missing campus ID, it's crucial to prepare yourself for unexpected or emergency expenses.   

In January 2019, Forbes reported that 78% of U.S. workers live paycheck to paycheck. This means that these individuals use most of their monthly income on their monthly expenses with no money left over or in savings. This statistic has been exacerbated due to the COVID-19 pandemic. Don't be part of the statistic! Consider the 50/30/20 model when creating a monthly budget. Plan to spend 50% of your monthly income on fixed costs like; rent, groceries, or transportation. 30% on flex costs like; Eating out or going to concerts. And then allocate 20% of your monthly income to savings or paying back debt. This model makes saving and money management seem like an attainable goal and helps you create a plan to achieve it! 

Extra Credit: What is UMBC FinancialSmarts, and what has been the most significant way you've seen undergraduate students utilize it? 

Hannah: FinancialSmarts @ UMBC provides students with the tools necessary to make informed and effective decisions about their finances. Managing money is an integral part of your daily life, and we encourage students to be well versed in this vital life skill that many find challenging. The most significant way UMBC students engage with our content is by enrolling in the FinancialSmarts CashCourse. This is a free, self-paced, open enrollment blackboard course that allows students to learn about concepts like budgeting, saving, banking, and the working world. Students can find more information about enrolling in the course on ourwebsite. 

In addition to the CashCourse, we encourage students to attend one of our many events during Money Smart Week. I encourage students especially to attend workshops led by our peer money mentors! These are free, fun, and engaging workshops related to budgeting, saving, banking, and repayment of student loans. Students can find more information about our peer lead workshops on ourwebsite.  To learn more about these events and Money Smarts Week, please visit the FinancialSmartmyUMBC page.  

Extra Credit: What would you say to a student struggling with budgeting their money? 

Hannah: Don't give up, nobody's perfect, and we all struggle sometimes. If you're struggling to stick to your budget, try revisiting it and see what areas you might need to tweak to make it more realistic. You can try tracking your spending for a month to see how much you spend in each of your budgeting categories, and that will help you design a more accurate budget for your spending habits. You can even multiply your monthly spending by twelve to see how much you spend in a specific category on average per year! It may change your opinion on the impact of saving money that’s spent on nonessential expenses.  

If you're still feeling overwhelmed, check out our CashCoach program. Visit ourwebsite to sign up today. 

Extra Credit: What is your best piece of financial advice? 

Hannah: Keep learning and asking questions. No one person has all the answers, so there's always more to explore and learn about financial literacy. You will go through various seasons of your life where you will need a different set of financial skills, so it's essential to seek trustworthy guidance and leverage the available resources to you now for free as a student. 

The UMBC Cyber Defense Lab presents

Voting Technology

Ted Selker

Research Professor
UMBC CSEE Department

12–1 ET Friday, 4 March 2022 via WebEx

Traditionally most votes are lost in registration, voting ballot design problems, and polling place operations, causing long lines and possibly mail-in ballot fraud. This talk will describe voting-process problems and technological problems, and some possible solutions for voting improvement. Voting disenfranchisement is much higher for people with perceptual, physical, and cognitive disabilities. More than 14% of registered voters are in danger of increased errors due to dyslexia, and more than 6.5% due to short-term memory problems. We will describe and demonstrate technologies we are making that help disabled people and improve voting universally as well.

Dr. Ted Selker is an entrepreneur inventor who also mentors innovation. Ted spent five years as director of Considerate Systems research at Carnegie Mellon University Silicon Valley and in developing the campus’s research mission. Prior to that, Ted spent ten years as an associate professor at the MIT Media Laboratory, where he created the Context Aware Computing group, co-directed the Caltech/MIT Voting Technology Project, and directed the Industrial Design Intelligence future for product design project. Prior to that, his successes at targeted product creation and enhancement at IBM earned him the role of IBM Fellow. Ted’s work birthed successful products ranging from notebook computers to operating systems. It accumulated numerous awards, patents, and papers and has often been featured in the press. Ted is co-recipient of the Computer Science Policy Leader Award for Scientific American 50, the American Association for People with Disabilities Thomas Paine Award for his work on voting technology, and the Telluride Tech Fest Award.

Host: Alan T. Sherman, *protected email* Support for this event was provided in part by the National Science Foundation under SFS grant DGE-1753681. The UMBC Cyber Defense Lab meets biweekly Fridays 12-1pm. All meetings are open to the public. Upcoming CDL Meetings: March 18, Nilanjan Banerjee (UMBC); April 1, Kirellos Elsaad (UMBC); April 15, Edward Zieglar (NSA); April 29, Ian Blumenfeld (UMBC); May 13, Enka Blanchard (Digitrust Loria, France)