About Money Matters

    Money Matters is a program developed by the New York Public Library in conjunction with the Institute of Museum and Library Services to better equip local libraries to serve the changing needs of patrons regarding financial literacy and related informational resources. It takes a holistic approach to changing the attitudes, behavior, and knowledge of library staff toward financial topics and concepts. Through this initiative, staff has become more comfortable working with these resources as well as are more proactive in promoting their library as a source of information. Money Matters was developed during a crucial time in the country’s economic history. Against this backdrop, it is more important than ever to educate the Amrican public in financial matters, helping them to become more financially literate and informed investors, and to protect themselves from fraud and other activities that may be detrimental to their financial status and ultimately, their lives. The project is comprised of several components, including staff training consisting of a required core curriculum and follow-up elective choices. Curricular modules and training topics have been informed by a staff survey that asked participants for feedback on their experience in providing personal finance-related reference as well as their thoughts on which resources and training would help them to best fulfill patrons’ needs. In addition to on-site training, curriculum guides and e-learning modules have been especially formated for this website.
    Money Matters can serve as a wellspring of information for other libraries, providing important resources and training tools that will help information professionals around the country address this critical reference topic.

Kristin McDonough, New York Public Library

Kristen McDonough
             Project Director

Kristin McDonough is Director of The New York Public Library Science, Industry and Business Library (SIBL), created 14 years ago help New Yorkers launch and expand small businesses (smallbiz.nypl.org). In April 2009 SIBL responded to the current economic downturn by opening Job Search Central to provide entry to executive level job seekers with free access to, and hands-on training in, over 300 premier commercial online resources with data on companies, industry and markets for job leads. Job Search Central also offers after-work seminars, one on one career coaching, and networking events, all free.

Previously McDonough was both librarian and administrator at the City University of New York, developing courses and a textbook on information research and serving as assistant dean in the School of Education and Educational Services. At Baruch College, site of CUNY’s doctoral business program and U.S News and World Report’s most diverse American campus, she opened the award-winning Newman Library. Now she is on Baruch’s Executives on Campus Steering Committee.

Ms. McDonough is the immediate past president of the Financial Women’s Association (FWA) the premier organization for high achieving women in financial services. At the FWA she spearheaded a Forge Your Future initiative with enhanced programming and resources for members in transition. She is on the Advisory Board of Wiley-Blackwell Publishers and is vice president of Butterflies USA, a not-for-profit supporting Butterflies, a Delhi-based programme for street and working


Dr. Barbara O'Neill, Ph.D.
Barbara O'Neill
Content Developer/Program Facilitator 

Dr. Barbara O’Neill holds the rank of Professor II in the School of Environmental and Biological Sciences, Rutgers University, and is Rutgers Cooperative Extension’s Specialist in Financial Resource Management. Previously, she was Family and Consumer Sciences Educator in Sussex County, NJ and taught over 1,100 classes to over 24,000 adult learners. She also provides national leadership for the Cooperative Extension program Small Steps to Health and Wealth™. Dr. O’Neill has written over 1,500 consumer newspaper articles and over 125 articles for academic journals, conference proceedings, and other professional publications. 


She is a certified financial planner (CFPÒ), chartered retirement planning counselor (CRPCÒ), accredited financial counselor (AFC), certified housing counselor (CHC), certified financial educator (CFEd), and certified in family and consumer sciences (CFCS).  Dr. O’Neill served as president of the Association for Financial Counseling and Planning Education (AFCPE) in 2003 and is the author of two trade books, Saving on a Shoestring and Investing on a Shoestring, and co-author of  Investing For Your FutureMoney Talk: A Financial Guide for Women, and Small Steps to Health and Wealth. 


Dr. O’Neill received her Ph.D. in family financial management from Virginia Tech and holds a master’s degree in consumer economics from Cornell University and a B.S. in home economics education from the State University of New York at Oneonta. She has received over three dozen awards for program excellence and over $825,000 in funding to support her financial education programs and research.

Carole Glade, M.A.


Carole Glade
Content Developer/Program Facilitator 

Carole Glade is a freelance consultant with over 35 years experience in personal finance education and financial capability training with business, government, community, faith-based, and educational organizations.  She is the principal owner of Consumer Dynamics International and is known nationally and internationally for her work in personal finance, community outreach, and consumer education.  

As a personal finance educator, her work has included developing a national marketplace education program and competition for high school students, coordinating financial capability programs for adult ex-offenders under court-ordered supervision and serving probation through the US District Court, and spearheading financial literacy programs to prepare adults for homeownership. She has developed, coordinated, and delivered financial literacy programs and materials for the National Coalition for Consumer Education, American Credit Alliance, Sponsors for Economic Opportunity, Consumer Action, Consumer Federation of America, Cornell University, NJ Citizen Action, the Internal Revenue Service, and many others.  

Glade has served as an adjunct faculty member with the University of Wisconsin/Milwaukee, Kent State University, and Montclair State University and is currently working with Office of Professional Continuing Education at Rutgers University.  She is also a former junior high and high school teacher. She holds a BS in Education and a MA in Consumer Studies. 

Marie Radford, Ph.D.

Independent Evaluator

Marie L. Radford, Ph.D. is an Associate Professor and Chair of the Department of Information and Library Studies at the Rutgers University 
School of Communication & Information. Previously, she was Acting Dean of Pratt Institute's School of Information and Library Science and a Department Head of the Cheng Library at The William Paterson University of NJ. Her Ph.D. is from Rutgers and her MSIS is from Syracuse 
University. She is an outside reviewer for several grant-funded projects, and her specialty is mixed-method evaluation designs involving 
quantitative and qualitative methods. She is Co-Principal Investigator of the “Seeking Synchronicity” and “Cyber Synergy” projects funded by 
IMLS, Rutgers, and OCLC. 

Her research interests are qualitative and quantitative methods, interpersonal communication aspects of information services (both traditional and virtual), evaluation of e-services, academic libraries, nonverbal communication, cultural studies, and media stereotypes of librarians. Her research report Seeking Synchronicity: Revelations and Recommendations for Virtual Reference (Connaway & Radford, 2011), is available at: http://www.oclc.org/reports/synchronicity/default.htm . Her latest books include: Leading the Reference Renaissance (in press, Neal-Schuman, 2012); Reference Renaissance: Current and Future Trends, co-edited with R.D. Lankes, (Neal-Schuman, 2010) andConducting the Reference Interview, (Neal-Schuman, 2009) co-authored with C. S. Ross and K. Nilsen. She received the 2010 ALA/RUSA Mudge Award for distinguished contributions to reference service.

Kathleen Kalmes, CFA

Content Developer/Program Facilitator
Content Developer/Program Facilitator

Kathleen Kalmes, CFA has served as a financial resources specialist at The New York Public Library Science, Industry and Business Library (SIBL) for the past ten years.  In the private sector, she was an investment vice president at New York Life Insurance Company for ten years, working as a securities analyst/portfolio manager. Ms. Kalmes also worked at American Express Company and Reynolds Securities in economic research and investment analysis positions. She has taught financial statement analysis at the New York Institute of Finance. Ms. Kalmes holds an MBA from NYU and is a Chartered Financial Analyst.

Kathleen has updated and expanded the financial literacy curriculum. She currently leads seminars for staff and patrons at NYPL.

New York Public Library's Learning & Development Team
Additional support provided by the Learning and Development Team

Brandy McNeil, Technology Training Manager

Gretchen Smith, Learning and Development Specialist

TJ Woods, Learning and Development Specialist