U4A Oregon: TILLAMOOK COWPIES problem analysis 2 by https://padlet.com/jenckmd/xrqb3bulde3fsdr4 Team: Maree, Andy, Angelica, Briar, Micah, Ryan, Trinity, and Tyler en-us 2022-12-28 22:16:10 UTC 2026-01-14 17:15:58 UTC hello@padlet.com https://padlet-uploads.storage.googleapis.com/661000391/cb03294774b913b2cd1d2d398fd8fd94/U4A_Oregon_LOGO.JPG Problem Tree Analysis photo jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040298 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040298 Group Norms jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040299 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040299 Instructions jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040300 1. Review our Problem Tree Analysis:  problem (white), effects (blue), causes (pink), and resources (yellow).

2. Identify a CAUSE that you'd like our team to address with our project. Consider:
*What cause, if addressed, would significantly improve the status quo?
*What cause(s) are we well-positioned to address based on our community partner's services, our team strengths, and other community resources we've identified?

3. Write on a green sticky note a possible SOLUTION (a project idea) to the cause you've identified + a THEORY OF CHANGE. Put that directly under the cause sticky note.

See example with "Community bail fund." https://padlet.com/uraction/zc62bd2341dqhig5

]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040300 Financial competency/literacy is not easily accessible in Tillamook County. jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040301 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040301 Lack of financial education courses in schools jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040302 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040302 Unwise spending decisions jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040303 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040303 Limiting beliefs of opportunities jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040304 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040304 Less resilient to economic downturns jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040305 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040305 Folks are unwell (mentally, emotionally, financially and physically) jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040306 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040306 Financial instability jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040307 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040307 Poverty jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040308 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040308 Businesses fail due to lack of customers jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040309 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040309 Local economy suffers jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040310 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040310 Lack of opportunities jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040311 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040311 Basic needs are not met jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040312 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040312 Lack of housing, unstable housing jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040314 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040314 Negative health impacts jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040315 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040315 Generational poverty jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040316 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040316 Anxiety/stress due to financial situation jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040317 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040317 Lack of saving for retirement jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040318 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040318 Lack of understanding importance jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040320 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040320 Solution jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040321 If we do X, THEN y will result.]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040321 Lack of generational experience and/or knowledge jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040322 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040322 Lacking systems and tools jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040323 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040323 Lack of awareness, not viewed as a problem jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040324 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040324 Life habits jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040325 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040325 Life experience jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040326 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040326 Geographic location & population limits resources and prioritization jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040327 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040327 Stigma of discussing finances jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040328 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040328 Generational poverty jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040329 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040329 Lack of hope jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040344 Awareness, giddiness can create goals and the accomplishment of goals would create hope]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040344 Lack of knowledge of available resources jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040349 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040349 WorkSource jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040350 -skill building program
-funding for gas, clothing
-connecting members to jobs that align with skill sets]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040350 Culture jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040353 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040353 Tillamook County Wellness - Health Promotions jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040354 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040354 CARE, Inc. jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040355 Provide hope through shelter, food and connection to resources. Provide training for financial education support.]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040355 Translation support to connect with resources jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040356 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040356 Hospital "Every Dollar" part of benefit package jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040357 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040357 Diverse team (culturally, ethnically, professionally, etc.) jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040359 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040359 Speaking to life experience and promote education opportunities that may otherwise be overlooked jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040360 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040360 Personal finance class at high schools and college jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040361 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040361 Habitat for Humanity jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040362 -financial literacy course
-home ownership with cost at or under 30% gross income
-critical repairs (ramps, rails, roofs, etc.) keep people safely in their homes]]> 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040362 Building financial base among upcoming generations while catching people up jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040370 2022-12-28 22:16:10 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430040370 No savings, fall back plan, "parachute" jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430045953 2022-12-28 22:49:38 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430045953 Lack of home ownership attainment jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430046396 2022-12-28 22:52:30 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430046396 Tillamook County Wellness - Access to Care jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430051746 Add programs to Connect Oregon Network and train Community Health Workers and others to refer to resources.]]> 2022-12-28 23:26:09 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430051746 Chamber of Commerce jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430053731 2022-12-28 23:38:36 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430053731 Local banks and credit unions jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430053753 2022-12-28 23:38:42 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430053753 Church groups, Financial Rescue Classes jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054036 2022-12-28 23:40:27 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054036 Library resources jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054116 2022-12-28 23:40:55 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054116 Financial Beginnings, Financial Literacy Curriculum jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054210 2022-12-28 23:41:28 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054210 Conduit into TSD9 and Oregon Solutions jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054395 2022-12-28 23:42:40 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054395 TBCC - Low/no-cost financial literacy jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054856

]]> 2022-12-28 23:45:12 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430054856 Community college scholarships/educational opportunities jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055182 2022-12-28 23:47:03 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055182 Experience with governmental assistance and engaging with home-owners and short-term rentals jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055476 2022-12-28 23:48:37 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055476 Oregon student investment account (SIA) funds jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055766 Well-rounded education]]> 2022-12-28 23:49:53 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2430055766 Solution: Community Partnerships https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044065 If we bring in organizations (financial industry, Financial Beginnings, etc...) to speak on real life situations and experiences to educate our community, then we will create an environment where discussing financials isn't taboo.]]> 2023-01-04 02:12:41 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044065 Adding Financial Literacy, Personal Finance Classes in TSD9 https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044393 If financial literacy classes are available for students, then more students will become financially competent]]> 2023-01-04 02:13:18 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044393 Solution https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044501 If we implement finlit programming in the schools, then we can help prepare youth entering adulthood for financial wellbeing

]]> 2023-01-04 02:13:28 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433044501 Solution- Create resource database https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045775 If we create a data base of free resources, then we can spread knowledge of available resources to the community]]> 2023-01-04 02:15:15 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045775 Awareness Campaign https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045828 If we inform the public via Social Media or town halls, then more citizens will be aware of the issue]]> 2023-01-04 02:15:20 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045828 Solution: Create One Stop Shop https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045875 If we create a website linking resources or find an individual that can advise community members on resources, we will create a safe space where our community feels they can find help and not be judged.]]> 2023-01-04 02:15:26 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433045875 Solution: Community partnerships https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433047837 If we pair financial literacy education with early childcare and Worksource families, we can begin to cross generational boundaries. ]]> 2023-01-04 02:18:07 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433047837 Embed Financial Literacy standards in existing classes https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433049016 If we embed FinLit standards in existing classes (Health, Math, Econ), then more students would be impacted by these skills without a large burden on schools to create more classes, staffing, etc.]]> 2023-01-04 02:20:03 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433049016 Humanizing success https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433049476 The local wellness program (go Michelle) used local individuals who are well known throughout the community to promote Cancer detection tests. If we humanize (in a local way) the positive life changing effects of financial literacy/competency on their lives it will help community members buy into the importance of being intentional with their finances. It also can help reduce the stigma of talking about finances. THIS INCLUDES individuals from differing ethnic/language backgrounds]]> 2023-01-04 02:20:51 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433049476 FinLit For ALL Residents https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433052125 If we start by providing financial literacy education to some of the residents, then it may help to change the culture of how we see our financial situation]]> 2023-01-04 02:24:44 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433052125 Create Multigenerational Learning Opportunities https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433052810 Utilizing platforms that are useable and engaging to many generations will help families to learn and grow together - which will naturally lead to more open dialogue ]]> 2023-01-04 02:25:48 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433052810 Overcoming Language Barriers https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433054436 If we provide information in different language, then more community members would be informed]]> 2023-01-04 02:27:45 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2433054436 Debt Management Education jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2437026477 If people learn to manage their debt, they can be better prepared to prioritize and pay bills, manage setbacks and better their financial state.]]> 2023-01-08 21:44:35 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2437026477 https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447732424 Provide financial literacy every term at TBCC and provide incentives for people who completed all the series. (small incentives to encourage people to attend)]]> 2023-01-18 02:29:24 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447732424 Obstacles to Address in our Plan jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447739358 Volunteer base, community partner capacity, lack of awareness of the issue and the resources available to address the issue.

Language barriers, level of education attainment. Readiness for change, learning new skills.

Overcoming perceptual barriers, building readiness through trusted relationships, making it hyper-local.]]> 2023-01-18 02:36:39 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447739358 Tools we can use jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447741312 We can leverage our individual personal connections and professional networks to invite people/partners to participate, learn more, and get involved.

Testimonials of success

And making it visible in the places people are. The hospital, the school, the grocery store and all the community local orgs




]]> 2023-01-18 02:39:14 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447741312 Theory of Change jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447747493 If we create an awareness campaign targeted at community partners and volunteers, then we will gain an understanding of where and how we can implement personal financial education in our community.

]]> 2023-01-18 02:43:23 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447747493 Solution: jenckmd https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447748443 Community Partner Awareness Campaign (with a Sprinkling of Humanizing Success)]]> 2023-01-18 02:44:45 UTC https://padlet.com/jenckmd/xrqb3bulde3fsdr4/wish/2447748443