Form990
Click to see attachment
Department of the Treasury
Internal Revenue Service
Return of Organization Exempt From Income Tax
Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except black lung benefit trust or private foundation)

MediumBullet The organization may have to use a copy of this return to satisfy state reporting requirements.
OMB No. 1545-0047
2012
Open to Public Inspection
A For the 2012 calendar year, or tax year beginning 01-01-2012 , 2012, and ending 12-31-2012
BCheck if applicable:
CName of organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Doing Business As
 
 
Number and street (or P.O. box if mail is not delivered to street address)
14141 SOUTHWEST FREEWAY
Suite STE1000
Room/suite
City or town, state or country, and ZIP + 4
SUGAR LAND, TX774783794
D Employer identification number

54-1837741
E Telephone number

G Gross receipts $ 112,264,605
F Name and address of principal officer:
IVAN HAND
14141 SOUTHWEST FRWY STE 1000
SUGAR LAND,TX77478
I
Tax-exempt status: (   ) LeftBullet (insert no.) or
J
Website:MediumBullet
WWW.MONEYMANAGEMENT.ORG
H(a)
Is this a group return for
affiliates?
H(b)
Are all affiliates included?
If "No," attach a list. (see instructions)
H(c)
Group exemption number MediumBullet  
K Form of organization:
 
L Year of formation: 2002
M State of legal domicile: TX
Part I
Summary
Activities & Governance 1 Briefly describe the organization’s mission or most significant activities: MMI STRIVES TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS, INCLUDING CREDIT COUNSELING, HOUSING COUNSELING AND BANKRUPTCY COUNSELING.
2 Check this box MediumBullet
3 Number of voting members of the governing body (Part VI, line 1a) ........ 3 10
4 Number of independent voting members of the governing body (Part VI, line 1b) ..... 4 9
5 Total number of individuals employed in calendar year 2011 (Part V, line 2a) ...... 5 1,328
6 Total number of volunteers (estimate if necessary) ............. 6 93
7a Total unrelated business revenue from Part VIII, column (C), line 12 ........ 7a 561,485
b Net unrelated business taxable income from Form 990-T, line 34 ......... 7b -349,085
Revenues Prior Year Current Year
8 Contributions and grants (Part VIII, line 1h) ......... 25,105,055 17,377,739
9 Program service revenue (Part VIII, line 2g) ......... 72,167,519 64,522,802
10 Investment income (Part VIII, column (A), lines 3, 4, and 7d ) .... 1,194,090 2,310,847
11 Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e) 826,428 641,279
12 Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)................... 99,293,092 84,852,667
Expenses; 13 Grants and similar amounts paid (Part IX, column (A), lines 1–3 )... 0 0
14 Benefits paid to or for members (Part IX, column (A), line 4)..... 0 0
15 Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10) 68,528,031 57,433,482
16a Professional fundraising fees (Part IX, column (A), line 11e)..... 0 0
b Total fundraising expenses (Part IX, column (D), line 25) MediumBullet646,215    
17 Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e).... 27,987,664 25,781,548
18 Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25) 96,515,695 83,215,030
19 Revenue less expenses. Subtract line 18 from line 12....... 2,777,397 1,637,637
Net Assets or Fund Balances; Beginning of Current Year End of Year
20 Total assets (Part X, line 16)............. 71,317,748 73,184,716
21 Total liabilities (Part X, line 26)............. 25,941,198 24,895,775
22 Net assets or fund balances. Subtract line 21 from line 20..... 45,376,550 48,288,941
Part II
Signature Block
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than officer) is based on all information of which preparer has any knowledge.
Sign Here
JumboBullet
Signature of officer Date
JumboBullet
Type or print name and title
Paid Preparer Use Only
Print/Type preparer's name
 
Preparer's signature
Date
PTIN
Firm's name MediumBullet

Firm's EIN MediumBullet
Firm's address MediumBullet



Phone no.
May the IRS discuss this return with the preparer shown above? (see instructions) ............
For Paperwork Reduction Act Notice, see the separate instructions.
Cat. No. 11282Y
Form 990 (2012)
Form 990 (2012)
Page 2
Part III
Statement of Program Service Accomplishments
Check if Schedule O contains a response to any question in this Part III ...............
1
Briefly describe the organization’s mission: WE IMPROVE LIVES THROUGH FINANCIAL EDUCATION.
2
Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? ......................
If “Yes,” describe these new services on Schedule O.
3
Did the organization cease conducting, or make significant changes in how it conducts, any program services? ............................
If “Yes,” describe these changes on Schedule O.
4
Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others, the total expenses, and revenue, if any, for each program service reported.
4a (Code: 624,100 ) (Expenses $ 42,158,391 including grants of $   ) (Revenue $ 60,465,634 )
CREDIT COUNSELING AND DEBT MANAGEMENT. ("PROGRAM SERVICE #1") SEE SCHEDULE O FOR A DETAILED DESCRIPTION OF MMI'S CREDIT COUNSELING SERVICES. INCLUDED IN REVENUE FOR PROGRAM SERVICE #1 IS GRANT FUNDING OF $2,889,632 FROM CITIGROUP TO SUPPORT MMI'S FINANCIAL EDUCATION EFFORTS. THIS GRANT REVENUE IS INCLUDED IN PART VIII, LINE 1F ("ALL OTHER CONTRIBUTIONS, GIFTS, GRANTS AND SIMILAR AMOUNTS NOT INCLUDED IN LINES 1A-1E").
4b (Code: 624,100 ) (Expenses $ 21,556,578 including grants of $   ) (Revenue $ 17,765,125 )
HOUSING COUNSELING AND EDUCATION. ("PROGRAM SERVICE #2") SEE SCHEDULE O FOR A DETAILED DESCRIPTION OF MMI'S HOUSING SERVICES. INCLUDED IN REVENUE FOR PROGRAM SERVICE #2 IS GRANT FUNDING OF $12,995,892 FROM THE US GOVERNMENT TO SUPPORT MMI'S HOUSING COUNSELING ACTIVITIES.
4c (Code: 624,100 ) (Expenses $ 3,600,993 including grants of $   ) (Revenue $ 1,827,393 )
BANKRUPTCY COUNSELING AND BANKRUPTCY EDUCATION. ("PROGRAM SERVICE #3") SEE SCHEDULE O FOR A DETAILED DESCRIPTION OF MMI'S BANKRUPTCY COUNSELING AND BANKRUPCY EDUCATION SERVICES.
(Code:   ) (Expenses $ 2,102,789 including grants of $   ) (Revenue $ 227,836 )
CONSUMER EDUCATION & COMMUNITY OUTREACH
(Code:   ) (Expenses $ 910,570 including grants of $   ) (Revenue $ 561,485 )
UNRELATED BUSINESS INCOME
4d Other program services (Describe in Schedule O.)
(Expenses $ 3,013,359 including grants of $   ) (Revenue $ 789,321 )
4e Total program service expensesMediumBullet70,329,321
Form 990 (2012)
Form 990 (2012)
Page 3
Part IV
Checklist of Required Schedules
Yes
No
1
Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If “Yes,” complete Schedule AClick to see attachment........................
1
Yes
 
2
Is the organization required to complete Schedule B, Schedule of Contributors (see instructions)? Click to see attachment...
2
Yes
 
3
Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for public office? If “Yes,” complete Schedule C, Part IClick to see attachment..........
3
 
No
4
Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h) election in effect during the tax year? If “Yes,” complete Schedule C, Part IIClick to see attachment........
4
Yes
 
5
Is the organization a section 501(c)(4), 501(c)(5), or 501(c)(6) organization that receives membership dues, assessments, or similar amounts as defined in Revenue Procedure 98-19? If “Yes,” complete Schedule C,
Part IIIClick to see attachment............................
5
 
No
6
Did the organization maintain any donor advised funds or any similar funds or accounts for which donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts? If “Yes,” complete Schedule D, Part IClick to see attachment........................
6
 
No
7
Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment, historic land areas, or historic structures? If “Yes,” complete Schedule D, Part IIClick to see attachment...
7
 
No
8
Did the organization maintain collections of works of art, historical treasures, or other similar assets? If “Yes,” complete Schedule D, Part III Click to see attachment....................
8
 
No
9
Did the organization report an amount in Part X, line 21 for escrow or custodial account liability; serve as a custodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, or debt negotiation services? If “Yes,” complete Schedule D, Part IVClick to see attachment..............
9
Yes
 
10
Did the organization, directly or through a related organization, hold assets in temporarily restricted endowments, permanent endowments, or quasi-endowments? If “Yes,” complete Schedule D, Part VClick to see attachment......
10
 
No
11
If the organization’s answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X as applicable.
a
Did the organization report an amount for land, buildings, and equipment in Part X, line 10?
If “Yes,” complete Schedule D, Part VI.Click to see attachment...................
11a
Yes
 
b
Did the organization report an amount for investments—other securities in Part X, line 12 that is 5% or more of its total assets reported in Part X, line 16? If “Yes,” complete Schedule D, Part VIIClick to see attachment.......
11b
 
No
c
Did the organization report an amount for investments—program related in Part X, line 13 that is 5% or more of its total assets reported in Part X, line 16? If “Yes,” complete Schedule D, Part VIIIClick to see attachment.......
11c
 
No
d
Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in Part X, line 16? If “Yes,” complete Schedule D, Part IXClick to see attachment............
11d
Yes
 
e
Did the organization report an amount for other liabilities in Part X, line 25? If “Yes,” complete Schedule D, Part XClick to see attachment
11e
Yes
 
f
Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If “Yes,” complete Schedule D, Part XClick to see attachment.........................
11f
 
No
12a
Did the organization obtain separate, independent audited financial statements for the tax year?
If “Yes,” complete Schedule D, Parts XI and XII Click to see attachment.................
12a
 
No
b
Was the organization included in consolidated, independent audited financial statements for the tax year? If “Yes,” and if the organization answered "No" to line 12a, then completing Schedule D, Parts XI and XII is optional Click to see attachment
12b
Yes
 
13
Is the organization a school described in section 170(b)(1)(A)(ii)? If “Yes,” complete Schedule E....
13
 
No
14a
Did the organization maintain an office, employees, or agents outside of the United States?.....
14a
 
No
b
Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business, investment, and program service activities outside the United States, or aggregate foreign investments valued at $100,000 or more? If “Yes,” complete Schedule F, Parts I and IV.........
14b
 
No
15
Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or assistance to any organization or entity located outside the United States? If “Yes,” complete Schedule F, Parts II and IV
15
 
No
16
Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or assistance to individuals located outside the United States? If “Yes,” complete Schedule F, Parts III and IV...
16
 
No
17
Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX, column (A), lines 6 and 11e? If “Yes,” complete Schedule G, Part I (see instructions)....
17
 
No
18
Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines 1c and 8a? If “Yes,” complete Schedule G, Part II............
18
 
No
19
Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If “Yes,” complete Schedule G, Part III...................
19
 
No
20a
Did the organization operate one or more hospital facilities? If “Yes,” complete Schedule H....
20a
 
No
b
If “Yes” to line 20a, did the organization attach a copy of its audited financial statements to this return?
20b
 
 
Form 990 (2012)
Form 990 (2012)
Page 4
Part IV
Checklist of Required Schedules (continued)
21
Did the organization report more than $5,000 of grants and other assistance to any government or organization in the United States on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts I and II...
21
 
No
22
Did the organization report more than $5,000 of grants and other assistance to individuals in the United States on Part IX, column (A), line 2? If “Yes,” complete Schedule I, Parts I and III........
22
 
No
23
Did the organization answer “Yes” to Part VII, Section A, line 3, 4, or 5 about compensation of the organization’s current and former officers, directors, trustees, key employees, and highest compensated employees? If “Yes,” complete Schedule J....................... Click to see attachment
23
Yes
 
24a
Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24b through 24d and complete Schedule K. If “No,” go to line 25................
24a
 
No
b
Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception?...
24b
 
 
c
Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds?......................
24c
 
 
d
Did the organization act as an “on behalf of” issuer for bonds outstanding at any time during the year?...
24d
 
 
25a
Section 501(c)(3) and 501(c)(4) organizations. Did the organization engage in an excess benefit transaction with a disqualified person during the year? If “Yes,” complete Schedule L, Part I........ Click to see attachment
25a
 
No
b
Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ? If “Yes,” complete Schedule L, Part I................... Click to see attachment
25b
 
No
26
Was a loan to or by a current or former officer, director, trustee, key employee, highest compensated employee, or disqualified person outstanding as of the end of the organization’s tax year? If “Yes,” complete Schedule L,
Part II.......................... Click to see attachment
26
 
No
27
Did the organization provide a grant or other assistance to an officer, director, trustee, key employee, substantial contributor or employee thereof, a grant selection committee member, or to a 35% controlled entity or family member of any of these persons? If “Yes,” complete Schedule L, Part III......... Click to see attachment
27
 
No
28
Was the organization a party to a business transaction with one of the following parties (see Schedule L, Part IV instructions for applicable filing thresholds, conditions, and exceptions):
a
A current or former officer, director, trustee, or key employee? If “Yes,” complete Schedule L, Part IV .......................... Click to see attachment
28a
 
No
b
A family member of a current or former officer, director, trustee, or key employee? If “Yes,”
complete Schedule L, Part IV..................... Click to see attachment
28b
 
No
c
An entity of which a current or former officer, director, trustee, or key employee (or a family member thereof) was an officer, director, trustee, or direct or indirect owner? If “Yes,” complete Schedule L, Part IV... Click to see attachment
28c
Yes
 
29
Did the organization receive more than $25,000 in non-cash contributions? If “Yes,” complete Schedule M..
29
 
No
30
Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation contributions? If “Yes,” complete Schedule M.............
30
 
No
31
Did the organization liquidate, terminate, or dissolve and cease operations? If “Yes,” complete Schedule N,
Part I...........................
31
 
No
32
Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If “Yes,” complete Schedule N, Part II......................
32
 
No
33
Did the organization own 100% of an entity disregarded as separate from the organization under Regulations sections 301.7701-2 and 301.7701-3? If “Yes,” complete Schedule R, Part I........ Click to see attachment
33
Yes
 
34
Was the organization related to any tax-exempt or taxable entity? If “Yes,” complete Schedule R, Part II, III, or IV, and Part V, line 1........................ Click to see attachment
34
Yes
 
35a
Did the organization have a controlled entity within the meaning of section 512(b)(13)?
35a
Yes
 
b
If ‘Yes’ to line 35a, did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of section 512(b)(13)? If “Yes,” complete Schedule R, Part V, line 2... Click to see attachment
35b
Yes
 
36
Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable related organization? If “Yes,” complete Schedule R, Part V, line 2............. Click to see attachment
36
 
No
37
Did the organization conduct more than 5% of its activities through an entity that is not a related organization and that is treated as a partnership for federal income tax purposes? If “Yes,” complete Schedule R, Part VIClick to see attachment
37
 
No
38
Did the organization complete Schedule O and provide explanations in Schedule O for Part VI, lines 11b and 19? Note. All Form 990 filers are required to complete Schedule O. ............
38
Yes
 
Form 990 (2012)
Form 990 (2012)
Page 5
Part V
Statements Regarding Other IRS Filings and Tax Compliance
Check if Schedule O contains a response to any question in this Part V ...............
Yes
No
1a
Enter the number reported in Box 3 of Form 1096 Enter -0- if not applicable ..
1a
198
b
Enter the number of Forms W-2G included in line 1a. Enter -0- if not applicable .
1b
0
c
Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming (gambling) winnings to prize winners? ..................
1c
Yes
 
2a
Enter the number of employees reported on Form W-3, Transmittal of Wage and
Tax Statements, filed for the calendar year ending with or within the year covered by this return ..................
2a
1,328
b
If at least one is reported on line 2a, did the organization file all required federal employment tax returns?
Note. If the sum of lines 1a and 2a is greater than 250, you may be required to e-file (see instructions)
2b
Yes
 
3a
Did the organization have unrelated business gross income of $1,000 or more during the year?...
3a
Yes
 
b
If “Yes,” has it filed a Form 990-T for this year? If “No,” provide an explanation in Schedule O.....
3b
Yes
 
4a
At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a financial account in a foreign country (such as a bank account, securities account, or other financial account)?..........................
4a
 
No
b
If "Yes," enter the name of the foreign country: MediumBullet
See instructions for filing requirements for Form TD F 90-22.1, Report of Foreign Bank and Financial Accounts.
5a
Was the organization a party to a prohibited tax shelter transaction at any time during the tax year?..
5a
 
No
b
Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?
5b
 
No
c
If “Yes,” to line 5a or 5b, did the organization file Form 8886-T? ............
5c
 
 
6a
Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit any contributions that were not tax deductible as charitable contributions?...
6a
 
No
b
If “Yes,” did the organization include with every solicitation an express statement that such contributions or gifts were not tax deductible?........................
6b
 
 
7
Organizations that may receive deductible contributions under section 170(c).
a
Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor?....................
7a
 
No
b
If “Yes,” did the organization notify the donor of the value of the goods or services provided?.....
7b
 
 
c
Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required to file Form 8282?...........................
7c
 
No
d
If “Yes,” indicate the number of Forms 8282 filed during the year ....
7d
 
e
Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?............................
7e
 
No
f
Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract?..
7f
 
No
g
If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required?............................
7g
 
 
h
If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C?..........................
7h
 
 
8
Sponsoring organizations maintaining donor advised funds and section 509(a)(3) supporting organizations. Did the supporting organization, or a donor advised fund maintained by a sponsoring organization, have excess business holdings at any time during the year?............
8
 
No
9
Sponsoring organizations maintaining donor advised funds.
a
Did the organization make any taxable distributions under section 4966?..........
9a
 
No
b
Did the organization make a distribution to a donor, donor advisor, or related person?.......
9b
 
No
10
Section 501(c)(7) organizations. Enter:
a
Initiation fees and capital contributions included on Part VIII, line 12 ...
10a
 
b
Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities
10b
 
11
Section 501(c)(12) organizations. Enter:
a
Gross income from members or shareholders .........
11a
 
b
Gross income from other sources (Do not net amounts due or paid to other sources against amounts due or received from them.) ..........
11b
 
12a
Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?
12a
 
 
b
If “Yes,” enter the amount of tax-exempt interest received or accrued during the year. ....................
12b
 
13
Section 501(c)(29) qualified nonprofit health insurance issuers.
a
Is the organization licensed to issue qualified health plans in more than one state?
Note. See the instructions for additional information the organization must report on Schedule O.
13a
 
 
b
Enter the amount of reserves the organization is required to maintain by the states in which the organization is licensed to issue qualified health plans ....
13b
 
c
Enter the amount of reserves on hand ............
13c
 
14a
Did the organization receive any payments for indoor tanning services during the tax year?.....
14a
 
No
b
If "Yes," has it filed a Form 720 to report these payments? If “No,” provide an explanation in Schedule O..
14b
 
No
Form 990 (2012)
Form 990 (2012)
Page 6
Part VI
Governance, Management, and Disclosure For each “Yes” response to lines 2 through 7b below, and for a “No” response to lines 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule O. See instructions.
Check if Schedule O contains a response to any question in this Part VI ...............
Section A. Governing Body and Management
Yes
No
1a
Enter the number of voting members of the governing body at the end of the tax year .....................
1a
10
If there are material differences in voting rights among members of the governing body, or if the governing body delegated broad authority to an executive committee or similar committee, explain in Schedule O.
b
Enter the number of voting members included in line 1a, above, who are independent ...................
1b
9
2
Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other officer, director, trustee, or key employee? .................
2
 
No
3
Did the organization delegate control over management duties customarily performed by or under the direct supervision of officers, directors or trustees, or key employees to a management company or other person? .
3
 
No
4
Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? ...........................
4
 
No
5
Did the organization become aware during the year of a significant diversion of the organization’s assets? .
5
 
No
6
Did the organization have members or stockholders? ................
6
 
No
7a
Did the organization have members, stockholders, or other persons who had the power to elect or appoint one or more members of the governing body? ....................
7a
 
No
b
Are any governance decisions of the organization reserved to (or subject to approval by) members, stockholders, or persons other than the governing body? ...................
7b
 
No
8
Did the organization contemporaneously document the meetings held or written actions undertaken during the year by the following:
a
The governing body? .........................
8a
Yes
 
b
Each committee with authority to act on behalf of the governing body? ............
8b
Yes
 
9
Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the organization’s mailing address? If “Yes,” provide the names and addresses in Schedule O.......
9
 
No
Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)
Yes
No
10a
Did the organization have local chapters, branches, or affiliates? ............
10a
Yes
 
b
If “Yes,” did the organization have written policies and procedures governing the activities of such chapters, affiliates, and branches to ensure their operations are consistent with the organization's exempt purposes?
10b
Yes
 
11a
Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? ............................
11a
Yes
 
b
Describe in Schedule O the process, if any, used by the organization to review this Form 990. .....
12a
Did the organization have a written conflict of interest policy? If “No,” go to line 13.......
12a
Yes
 
b
Were officers, directors, or trustees, and key employees required to disclose annually interests that could give rise to conflicts? ..........................
12b
Yes
 
c
Did the organization regularly and consistently monitor and enforce compliance with the policy? If “Yes,” describe in Schedule O how this was done.......................
12c
Yes
 
13
Did the organization have a written whistleblower policy? ...............
13
Yes
 
14
Did the organization have a written document retention and destruction policy? .........
14
Yes
 
15
Did the process for determining compensation of the following persons include a review and approval by independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?
a
The organization’s CEO, Executive Director, or top management official ...........
15a
Yes
 
b
Other officers or key employees of the organization ................
15b
Yes
 
If "Yes" to line 15a or 15b, describe the process in Schedule O (see instructions).
16a
Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a taxable entity during the year? ......................
16a
 
No
b
If “Yes,” did the organization follow a written policy or procedure requiring the organization to evaluate its participation in joint venture arrangements under applicable federal tax law, and take steps to safeguard the organization’s exempt status with respect to such arrangements? ............
16b
 
 
Section C. Disclosure
17
List the States with which a copy of this Form 990 is required to be filedMediumBullet
AL , AK , AZ , AR , CA , CO , CT , FL , HI , IL , KS , KY , ME , MD , MA , MI , MN , MS , NH , NJ , NM , NY , ND , OR , PA , TN , WA , WV , WI
18
Section 6104 requires an organization to make its Form 1023 (or 1024 if applicable), 990, and 990-T (501(c)(3)s only) available for public inspection. Indicate how you made these available. Check all that apply.
19
Describe in Schedule O whether (and if so, how), the organization made its governing documents, conflict of interest policy, and financial statements available to the public during the tax year.
20
State the name, physical address, and telephone number of the person who possesses the books and records of the organization:
MediumBulletDAVID JUENGEL14141 SOUTHWEST FRWY STE 1000SUGAR LANDTX77478 (713) 394-3329
Form 990 (2012)
Form 990 (2012)
Page 7
Part VII
Compensation of Officers, Directors,Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors
Check if Schedule O contains a response to any question in this Part VII ...............
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees
1a Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization’s tax year.
RoundBullet List all of the organization’s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

RoundBullet List all of the organization’s current key employees, if any. See instructions for definition of "key employee."
RoundBullet List the organization’s five current highest compensated employees (other than an officer, director, trustee or key employee)
who received reportable compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from the
organization and any related organizations.

RoundBullet List all of the organization’s former officers, key employees, or highest compensated employees who received more than $100,000
of reportable compensation from the organization and any related organizations.

RoundBullet List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of the
organization, more than $10,000 of reportable compensation from the organization and any related organizations.

List persons in the following order: individual trustees or directors; institutional trustees; officers; key employees; highest
compensated employees; and former such persons.
Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee.
(A)
Name and Title 		(B)
Average hours per week (list any hours for related organizations below dotted line) 		(C)
Position (do not check more than one box, unless person is both an officer and a director/trustee) 		(D)
Reportable compensation from the organization (W- 2/1099-MISC) 		(E)
Reportable compensation from related organizations (W- 2/1099-MISC) 		(F)
Estimated amount of other compensation from the organization and related organizations
Individual Trustee or Director; Institutional Trustee; Officer; Key Employee; Highest compensated employee; Former;
(1) Dr Angela Lyons........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(2) Frank DeGise........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(3) Douglas K Durnin........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(4) Lester E Dees........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(5) Stephen A McNeely........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(6) Frank W Montfort........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(7) Scot E Sheldon........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(8) Dr William F Staats........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(9) Joseph P Warner........................................................................
Director
 3.0
.......................1.0 		X           0 0 0
(10) Ivan L Hand........................................................................
President & Director
 42.0
.......................3.0 		X   X       898,412   49,176
(11) David A Juengel........................................................................
Treasurer
 42.0
.......................3.0 		    X       258,611   31,846
(12) Jean L Law........................................................................
Secretary
 42.0
.......................3.0 		    X       119,512   14,562
(13) Anthony Scataglia........................................................................
Senior Vice President
 40.0
.......................   		      X     324,285   33,173
(14) Charles Stanley........................................................................
Senior Vice President
 40.0
.......................   		      X     337,573   5,258
(15) Terry Blaney........................................................................
Senior Vice President
 40.0
.......................   		      X     243,259   21,591
(16) Marianne D'Aquila........................................................................
Senior Vice President
 40.0
.......................   		      X     210,818   24,708
(17) Kandee Jahns........................................................................
Senior Vice President
 40.0
.......................   		        X   187,643   23,270
Form 990 (2012)
Form 990 (2012)
Page 8
Part VII
Section A. Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees (continued)
(A)
Name and Title 		(B)
Average hours per week (list any hours for related organizations below dotted line) 		(C)
Position (do not check more than one box, unless person is both an officer and a director/trustee) 		(D)
Reportable compensation from the organization (W- 2/1099-MISC) 		(E)
Reportable compensation from related organizations (W- 2/1099-MISC) 		(F)
Estimated amount of other compensation from the organization and related organizations
Individual Trustee or Director; Institutional Trustee; Officer; Key Employee; Highest compensated employee; Former;
(18) Mel Stiller........................................................................
Business Development Dir.
 40.0
.......................3.0 		        X   190,062   16,203
(19) Joanne Kerstetter........................................................................
Vice President
 40.0
.......................   		        X   171,967   6,481
(20) Don McGee........................................................................
Vice President
 40.0
.......................   		        X   154,002   19,411
(21) Jim Triggs........................................................................
Senior Vice President
 40.0
.......................   		        X   160,985   12,250


















1b Sub-Total................MediumBullet
c Total from continuation sheets to Part VII, Section A....MediumBullet
d Total (add lines 1b and 1c)............MediumBullet 3,257,129 0 257,929
2
Total number of individuals (including but not limited to those listed above) who received more than $100,000 of reportable compensation from the organizationMediumBullet34
Yes
No
3
Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on line 1a? If “Yes,” complete Schedule J for such individual ..............
3
 
No
4
For any individual listed on line 1a, is the sum of reportable compensation and other compensation from the organization and related organizations greater than $150,000? If “Yes,” complete Schedule J for such individual...........................
4
Yes
 
5
Did any person listed on line 1a receive or accrue compensation from any unrelated organization or individual for services rendered to the organization? If “Yes,” complete Schedule J for such person ........
5
 
No
Section B. Independent Contractors
1
Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from the organization. Report compensation for the calendar year ending with or within the organization’s tax year.
(A)
Name and business address 		(B)
Description of services 		(C)
Compensation
VENABLE LLP, PO BOX 62727BALTIMOREMD21264 LEGAL 611,804
MELTON MELTON LLP, 6002 Rogerdale Ste 200HOUSTONTX77072 AUDIT 121,957
SPECTRUM COMPUTER CONSULTANTS, 3437 Clearview CircleHOUSTONTX77025 CONSULTING 107,312
BURNETT STAFFING, PO BOX 973940DALLASTX75397 CONSULTING 317,060
2
Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet4
Form 990 (2012)
Form 990 (2012)
Page 9
Part VIII
Statement of Revenue
Check if Schedule O contains a response to any question in this Part VIII ..............
(A)
Total revenue 		(B)
Related or
exempt
function
revenue 		(C)
Unrelated
business
revenue 		(D)
Revenue
excluded from
tax under sections
512, 513, or 514
Contributions, Gifts, Grants and Other Similar Amounts 1a Federated campaigns..1a 89,290
b Membership dues....1b  
c Fundraising events....1c  
d Related organizations...1d 50,934
e Government grants (contributions)1e 12,998,862
f All other contributions, gifts, grants, and
similar amounts not included above1f 		4,238,653
g Noncash contributions included in lines
1a-1f:$ 		 
h Total. Add lines 1a-1f.......MediumBullet 17,377,739
Program Service Revenue Business Code
2a DEBT AND BUDGET COUNSELING 624100 57,748,434 57,748,434    
b HOUSING COUNSELING AND EDUCATION 624100 4,766,263 4,766,263    
c BANKRUPTCY COUNSELING AND EDUCATION 624100 1,827,393 1,827,393    
d EDUC. PROGRAMS & COMMUNITY OUTREACH 611710 180,712 180,712    
e
f All other program service revenue .        
g Total. Add lines 2a–2f........MediumBullet 64,522,802
Other Revenue 3 Investment income (including dividends, interest, and other similar amounts).......MediumBullet 657,621     657,621
4 Income from investment of tax-exempt bond proceeds..MediumBullet 0      
5 Royalties...........MediumBullet 0      
(i) Real (ii) Personal
6a Gross rents 32,670  
b Less: rental expenses    
c Rental income or (loss) 32,670 0
d Net rental income or (loss).......MediumBullet 32,670     32,670
(i) Securities (ii) Other
7a Gross amount from sales of assets other than inventory 27,161,597 1,903,567
b Less: cost or other basis and sales expenses 26,354,693 1,057,245
c Gain or (loss) 806,904 846,322
d Net gain or (loss)..........MediumBullet 1,653,226     1,653,226
8a Gross income from fundraising events (not including
$  
of contributions reported on line 1c). See Part IV, line 18 ..
a  
b Less: direct expenses ...b  
c Net income or (loss) from fundraising events..MediumBullet 0    
9a Gross income from gaming activities.
See Part IV, line 19 ...
a  
b Less: direct expenses ...b  
c Net income or (loss) from gaming activities...MediumBullet 0      
10a Gross sales of inventory, less
returns and allowances .
a  
b Less: cost of goods sold ..b  
c Net income or (loss) from sales of inventory..MediumBullet 0      
Miscellaneous Revenue Business Code
11a UNRELATED BUSINESS INCOME 561499 561,485   561,485  
b EDUCATIONAL BOOK SALES 611710 47,124 47,124    
c            
d All other revenue ....        
e Total. Add lines 11a–11d ...... MediumBullet 608,609
12 Total revenue. See Instructions......MediumBullet 84,852,667 64,569,926 561,485 2,343,517
Form 990 (2012)
Form 990 (2012)
Page 10
Part IX
Statement of Functional Expenses
Section 501(c)(3) and 501(c)(4) organizations must complete all columns. All other organizations must complete column (A).Check if Schedule O contains a response to any question in this Part IX ...............
Do not include amounts reported on lines 6b,
7b, 8b, 9b, and 10b of Part VIII. 		(A)
Total expenses 		(B)
Program service expenses 		(C)
Management and general expenses 		(D)
Fundraising expenses
1 Grants and other assistance to governments and organizations in the United States. See Part IV, line 21 0  
2 Grants and other assistance to individuals in the United States. See Part IV, line 22 0  
3 Grants and other assistance to governments, organizations, and individuals outside the United States. See Part IV, lines 15 and 16 0  
4 Benefits paid to or for members 0  
5 Compensation of current officers, directors, trustees, and key employees .... 2,392,470   2,392,470  
6 Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .... 0      
7 Other salaries and wages 44,938,943 41,185,869 3,287,966 465,108
8 Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) .... 696,312 628,330 59,457 8,525
9 Other employee benefits ....... 5,469,354 4,271,810 1,161,697 35,847
10 Payroll taxes ........... 3,936,403 3,582,819 326,103 27,481
11 Fees for services (non-employees):        
a Management ...... 0      
b Legal ......... 254,170   254,170  
c Accounting ........... 150,744   150,744  
d Lobbying ........... 82,413   82,413  
e Professional fundraising services. See Part IV, line 17 0  
f Investment management fees ...... 131,995   131,995  
g Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ........ 1,393,469 875,098 487,447 30,924
12 Advertising and promotion .... 3,965,552 3,965,552    
13 Office expenses ....... 4,370,963 3,720,973 649,195 795
14 Information technology ...... 1,675,332 1,440,813 234,519  
15 Royalties .. 0      
16 Occupancy ........... 6,533,807 5,683,863 812,714 37,230
17 Travel ............ 1,291,957 875,920 396,746 19,291
18 Payments of travel or entertainment expenses for any federal, state, or local public officials ...... 0      
19 Conferences, conventions, and meetings .... 309,146 83,495 212,562 13,089
20 Interest ........... 7,386 230 7,156  
21 Payments to affiliates ....... 500,200 500,200    
22 Depreciation, depletion, and amortization ..... 3,235,640 2,470,669 763,864 1,107
23 Insurance .............. 343,347 46,349 296,998  
24 Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a DUES & ASSOCIATION FEES 512,584 384,695 125,743 2,146
b LICENSES & TAXES 304,024 86,885 217,139  
c TRAINING COSTS 343,019 197,211 145,023 785
d PRINTING & PUBLICATIONS 129,399 118,012 7,500 3,887
e All other expenses 246,401 210,528 35,873  
25 Total functional expenses. Add lines 1 through 24e 83,215,030 70,329,321 12,239,494 646,215
26 Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here MediumBullet if following SOP 98-2 (ASC 958-720).        
Form 990 (2012)
Form 990 (2012)
Page 11
Part X Balance Sheet Check if Schedule O contains a response to any question in this Part X ...............
(A)
Beginning of year 		(B)
End of year
Assets 1 Cash—non-interest-bearing ............. 1,100,982 1 3,310,396
2 Savings and temporary cash investments ......... 50,000 2 50,000
3 Pledges and grants receivable, net ........... 319,998 3 179,078
4 Accounts receivable, net ............. 6,956,263 4 4,857,706
5 Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
Schedule L ..................
0 5 0
6 Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
0 6 0
7 Notes and loans receivable, net ............. 0 7 0
8 Inventories for sale or use .............. 390,523 8 314,287
9 Prepaid expenses and deferred charges .......... 1,063,003 9 1,410,961
10a Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D 10a 43,501,993
b Less: accumulated depreciation ..... 10b 27,733,161 16,760,353 10c 15,768,832
11 Investments—publicly traded securities .......... 20,721,447 11 21,904,221
12 Investments—other securities. See Part IV, line 11 ..... 0 12 0
13 Investments—program-related. See Part IV, line 11 ..... 0 13 0
14 Intangible assets ............... 0 14 0
15 Other assets. See Part IV, line 11 ........... 23,955,179 15 25,389,235
16 Total assets. Add lines 1 through 15 (must equal line 34)...... 71,317,748 16 73,184,716
Liabilities 17 Accounts payable and accrued expenses ......... 6,181,610 17 6,146,713
18 Grants payable ................. 0 18 0
19 Deferred revenue ................ 0 19 0
20 Tax-exempt bond liabilities ............. 0 20 0
21 Escrow or custodial account liability. Complete Part IV of Schedule D.. 16,668,899 21 15,725,476
22 Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
persons. Complete Part II of Schedule L.......... 0 22 0
23 Secured mortgages and notes payable to unrelated third parties .. 0 23 0
24 Unsecured notes and loans payable to unrelated third parties .... 0 24 0
25 Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D.................... 3,090,689 25 3,023,586
26 Total liabilities. Add lines 17 through 25......... 25,941,198 26 24,895,775
Net Assets or Fund Balance Organizations that follow SFAS 117 (ASC 958), check here MediumBullet and complete lines 27 through 29, and lines 33 and 34.
27 Unrestricted net assets .............. 44,905,148 27 47,667,966
28 Temporarily restricted net assets ........... 471,402 28 620,975
29 Permanently restricted net assets ........... 0 29 0
Organizations that do not follow SFAS 117 (ASC 958), check here MediumBullet and complete lines 30 through 34.
30 Capital stock or trust principal, or current funds ........   30  
31 Paid-in or capital surplus, or land, building or equipment fund .....   31  
32 Retained earnings, endowment, accumulated income, or other funds   32  
33 Total net assets or fund balances ........... 45,376,550 33 48,288,941
34 Total liabilities and net assets/fund balances ........ 71,317,748 34 73,184,716
Form 990 (2012)
Form 990 (2012)
Page 12
Part XI
Reconcilliation of Net Assets
Check if Schedule O contains a response to any question in this Part XI ...............
1
Total revenue (must equal Part VIII, column (A), line 12) ............
1
84,852,667
2
Total expenses (must equal Part IX, column (A), line 25) ............
2
83,215,030
3
Revenue less expenses. Subtract line 2 from line 1 ..............
3
1,637,637
4
Net assets or fund balances at beginning of year (must equal Part X, line 33, column (A)) ..
4
45,376,550
5
Net unrealized gains (losses) on investments ...............
5
1,274,754
6
Donated services and use of facilities .................
6
 
7
Investment expenses .....................
7
 
8
Prior period adjustments .....................
8
 
9
Other changes in net assets or fund balances (explain in Schedule O) ........
9
 
10
Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line 33, column (B))
10
48,288,941
Part XII
Financial Statements and Reporting
Check if Schedule O contains a response to any question in this Part XII ..............
Yes
No
1
Accounting method used to prepare the Form 990:  
If the organization changed its method of accounting from a prior year or checked "Other," explain in
Schedule O.
2a
Were the organization’s financial statements compiled or reviewed by an independent accountant?
2a
 
No
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were compiled or reviewed on a separate basis, consolidated basis, or both:
b
Were the organization’s financial statements audited by an independent accountant?
2b
Yes
 
If ‘Yes,’ check a box below to indicate whether the financial statements for the year were audited on a separate basis, consolidated basis, or both:
c
If “Yes,” to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit, review, or compilation of its financial statements and selection of an independent accountant?
2c
Yes
 
If the organization changed either its oversight process or selection process during the tax year, explain in Schedule O.
3a
As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Single Audit Act and OMB Circular A-133?
3a
Yes
 
b
If “Yes,” did the organization undergo the required audit or audits? If the organization did not undergo the required audit or audits, explain why in Schedule O and describe any steps taken to undergo such audits
3b
Yes
 
Form 990 (2012)
Form 990, Special Condition Description:
Special Condition Description
Additional Data


Software ID:  
Software Version:  
SCHEDULE A
(Form 990 or 990EZ)

Department of the Treasury
Internal Revenue Service
Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section
4947(a)(1) nonexempt charitable trust.
right arrow Attach to Form 990 or Form 990-EZ. right arrow See separate instructions.
OMB No. 1545-0047
2012
Open to Public
Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I
Reason for Public Charity Status (All organizations must complete this part.) See instructions.
The organization is not a private foundation because it is: (For lines 1 through 11, check only one box.)
1
2
3
4
5
section 170(b)(1)(A)(iv). (Complete Part II.)
6
7
8
9
receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 331/3% of
its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses
acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)
10
11
e
f
g
(i) A person who directly or indirectly controls, either alone or together with persons described in (ii)
Yes
No
and (iii) below, the governing body of the supported organization? ................
11g(i)
 
No
(ii) A family member of a person described in (i) above? ......................
11g(ii)
 
No
(iii) A 35% controlled entity of a person described in (i) or (ii) above? ................
11g(iii)
 
No
h
Provide the following information about the supported organization(s).
(i) Name of supported organization (ii) EIN (iii) Type of organization (described on lines 1- 9 above or IRC section (see instructions)) (iv) Is the organization in col. (i) listed in your governing document? (v) Did you notify the organization in col. (i) of your support? (vi) Is the organization in col. (i) organized in the U.S.? (vii) Amount of monetary support
Yes No Yes No Yes No
Total                  

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990EZ.
Cat. No. 11285F
Schedule A (Form 990 or 990-EZ) 2012
Schedule A (Form 990 or 990-EZ) 2012
Page 2
Part II
Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization fails to qualify under the tests listed below, please complete Part III.)
Section A. Public Support
Calendar year (or fiscal year beginning in) right arrow (a) 2008 (b) 2009 (c) 2010 (d) 2011 (e) 2012 (f) Total
1 Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") ....            
2 Tax revenues levied for the organization's benefit and either paid to or expended on its behalf.......            
3 The value of services or facilities furnished by a governmental unit to the organization without charge..            
4 Total. Add lines 1 through 3            
5 The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f)..            
6 Public support. Subtract line 5 from line 4.            
Section B. Total Support
Calendar year (or fiscal year beginning in) right arrow (a) 2008 (b) 2009 (c) 2010 (d) 2011 (e) 2012 (f) Total
7 Amounts from line 4..            
8 Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...            
9 Net income from unrelated business activities, whether or not the business is regularly carried on..            
10 Other income. Do not include gain or loss from the sale of capital assets (Explain in Part IV.)..            
11 Total support (Add lines 7 through 10).            
12
12
 
13
First five years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a 501(c)(3) organization, check this box and stop here........................................right arrow
Section C. Computation of Public Support Percentage
14
14
 
15
15
 
16a
b
17a
b
18
Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow
Schedule A (Form 990 or 990-EZ) 2012
Schedule A (Form 990 or 990-EZ) 2012
Page 3
Part III
Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 9 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)
Section A. Public Support
Calendar year (or fiscal year beginning in) right arrow (a) 2008 (b) 2009 (c) 2010 (d) 2011 (e) 2012 (f) Total
1 Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") . 12,849,297 24,400,440 26,069,696 25,105,055 17,377,739 105,802,227
2 Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose...... 74,139,109 78,723,458 79,494,530 72,234,810 64,569,926 369,161,833
3 Gross receipts from activities that are not an unrelated trade or business under section 513..           0
4 Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...           0
5 The value of services or facilities furnished by a governmental unit to the organization without charge..           0
6 Total. Add lines 1 through 5. 86,988,406 103,123,898 105,564,226 97,339,865 81,947,665 474,964,060
7a Amounts included on lines 1, 2, and 3 received from disqualified persons... 12,420,943 23,230,340 28,997,076 22,552,604 16,261,839 103,462,802
b Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year. 5,732,810 9,162,585 5,802,185 4,064,363 3,928,066 28,690,009
c Add lines 7a and 7b.. 18,153,753 32,392,925 34,799,261 26,616,967 20,189,905 132,152,811
8 Public support (Subtract line 7c from line 6.)           342,811,249
Section B. Total Support
Calendar year (or fiscal year beginning in) right arrow (a) 2008 (b) 2009 (c) 2010 (d) 2011 (e) 2012 (f) Total
9 Amounts from line 6... 86,988,406 103,123,898 105,564,226 97,339,865 81,947,665 474,964,060
10a Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources.. 880,751 891,321 1,300,856 648,007 690,291 4,411,226
b Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975. 1,005,432 1,004,233 979,606 717,957 561,485 4,268,713
c Add lines 10a and 10b. 1,886,183 1,895,554 2,280,462 1,365,964 1,251,776 8,679,939
11 Net income from unrelated business activities not included in line 10b, whether or not the business is regularly carried on.           0
12 Other income. Do not include gain or loss from the sale of capital assets (Explain in Part IV.) .. 78,450         78,450
13 Total support. (Add lines 9, 10c, 11, and 12.).. 88,953,039 105,019,452 107,844,688 98,705,829 83,199,441 483,722,449
14
Section C. Computation of Public Support Percentage
15
15
70.869 %
16
16
72.570 %
Section D. Computation of Investment Income Percentage
17
17
1.794 %
18
18
2.429 %
19a
b
20
Schedule A (Form 990 or 990-EZ) 2012
Schedule A (Form 990 or 990-EZ) 2012
Page 4
Part IV
Supplemental Information. Complete this part to provide the explanations required by Part II, line 10; Part II, line 17a or 17b; and Part III, line 12. Also complete this part for any additional information. (See instructions).
Facts And Circumstances Test
 
Explanation
 
 
 
 
Schedule A (Form 990 or 990-EZ) 2012

Additional Data


Software ID:  
Software Version:  
Schedule B
(Form 990, 990-EZ,
or 990-PF)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors
Arrow Bullet Attach to Form 990, 990-EZ, or 990-PF.
OMB No. 1545-0047
2012
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Organization type (check one):
Filers of:
Section:
Form 990 or 990-EZ





Form 990-PF




Check if your organization is covered by the General Rule or a Special Rule.  
Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
General Rule
Special Rules
......................... Arrow Bullet   $    
Caution. An organization that is not covered by the General Rule and/or the Special Rules does not file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2 of its Form 990; or check the box on line H of its
Form 990-EZ or on Part I, line 2 of its Form 990-PF, to certify that it does not meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).
For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.
Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)
Page 2
Name of organization
MONEY MANAGEMENT INTERNATIONAL INC
  		Employer identification number

54-1837741
Part I
Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
     
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
RESTRICTED
RESTRICTED
 

     
RESTRICTED
RESTRICTED  
RESTRICTED, RESTRICTED   RESTRICTED

$RESTRICTED


(Complete Part II if there is a noncash contribution.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

     
 
   

$  


(Complete Part II if there is a noncash contribution.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

     
 
   

$  


(Complete Part II if there is a noncash contribution.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

     
 
   

$  


(Complete Part II if there is a noncash contribution.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

     
 
   

$  


(Complete Part II if there is a noncash contribution.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 

     
 
   

$  


(Complete Part II if there is a noncash contribution.)
Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)
Page 3
Name of organization
MONEY MANAGEMENT INTERNATIONAL INC
  		Employer identification number

54-1837741
Part II
Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
     
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
(a) No.
from
Part I		 (b)
Description of noncash property given		 (c)
FMV (or estimate)
(see instructions) 		(d)
Date received
 
$    
Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Schedule B (Form 990, 990-EZ, or 990-PF) (2012)
Page 4
Name of organization
MONEY MANAGEMENT INTERNATIONAL INC
  		Employer identification number

54-1837741
Part III
Exclusively religious, charitable, etc., individual contributions to section 501(c)(7), (8), or (10) organizations
that total more than $1,000 for the year. Complete columns (a) through (e) and the following line entry.
For organizations completing Part III, enter the total of exclusively religious, charitable, etc.,
contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet$  
Use duplicate copies of Part III if additional space is needed.
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
       
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
       
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
       
 
(a) No.
from
Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
       
 
Schedule B (Form 990, 990-EZ, or 990-PF) (2012)

Additional Data


Software ID:  
Software Version:  
SCHEDULE C
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service
Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527
SchCMd Bullet Complete if the organization is described below.SchCMd Bullet Attach to Form 990 or Form 990-EZ.
SchCMd Bullet See separate instructions.
OMB No. 1545-0047
2012
Open to Public
Inspection
If the organization answered “Yes” to Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet Section 527 organizations: Complete Part I-A only.
If the organization answered “Yes” to Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered “Yes” to Form 990, Part IV, Line 5 (Proxy Tax) or Form 990-EZ, Part V, line 35c (Proxy Tax), then
Round Bullet Section 501(c)(4), (5), or (6) organizations: Complete Part III.
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I-A
Complete if the organization is exempt under section 501(c) or is a section 527 organization.

1
Provide a description of the organization’s direct and indirect political campaign activities in Part IV.
2
Political expenditures ....................................SchCMd Bullet
$  
3
Volunteer hours ........................................
 

Part I-B
Complete if the organization is exempt under section 501(c)(3).
1
Enter the amount of any excise tax incurred by the organization under section 4955 .........SchCMd Bullet
$  
2
Enter the amount of any excise tax incurred by organization managers under section 4955 ......SchCMd Bullet
$  
3
If the organization incurred a section 4955 tax, did it file Form 4720 for this year? ..............
4a
Was a correction made? .........................................
b
If "Yes," describe in Part IV.
Part I-C
Complete if the organization is exempt under section 501(c), except section 501(c)(3).
1
Enter the amount directly expended by the filing organization for section 527 exempt function activities SchCMd Bullet
$  
2
Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ...................................SchCMd Bullet

$  
3
Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b..SchCMd Bullet

$  
4
Did the filing organization file Form 1120-POL for this year? ..........................
5
Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.
(a) Name (b) Address (c) EIN (d) Amount paid from filing organization's funds. If none, enter -0-. (e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.










For Paperwork Reduction Act Notice, see the instructions for Form 990 or 990-EZ.
Cat. No. 50084S
Schedule C (Form 990 or 990-EZ) 2012

Schedule C (Form 990 or 990-EZ) 2012
Page 2
Part II-A
Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).
A Check SchCMd Bulletexpenses, and share of excess lobbying expenditures).Click to see attachment
B Check SchCMd Bullet
Limits on Lobbying Expenditures
(The term "expenditures" means amounts paid or incurred.) 		(a) Filing
organization's
totals 		(b) Affiliated group
totals
1a Total lobbying expenditures to influence public opinion (grass roots lobbying) ......    
b Total lobbying expenditures to influence a legislative body (direct lobbying) ....... 82,413 82,413
c Total lobbying expenditures (add lines 1a and 1b) ................... 82,413 82,413
d Other exempt purpose expenditures ........................ 82,222,047 83,024,719
e Total exempt purpose expenditures (add lines 1c and 1d) ............... 82,304,460 83,107,132
f Lobbying nontaxable amount. Enter the amount from the following table in both
columns.		 1,000,000 1,000,000
  If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:    
  Not over $500,00020% of the amount on line 1e.    
  Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.    
  Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.    
  Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.    
  Over $17,000,000$1,000,000.    
       
g Grassroots nontaxable amount (enter 25% of line 1f) ................. 250,000 250,000
h Subtract line 1g from line 1a. If zero or less, enter -0-. ................    
i Subtract line 1f from line 1c. If zero or less, enter -0-. ................    
j If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting
section 4911 tax for this year? ......................................

4-Year Averaging Period Under Section 501(h)
(Some organizations that made a section 501(h) election do not have to complete all of the five
columns below. See the instructions for lines 2a through 2f on page 4.)
Lobbying Expenditures During 4-Year Averaging Period
  Calendar year (or fiscal year
beginning in) 		(a) 2009 (b) 2010 (c) 2011 (d) 2012 (e) Total
             
2a Lobbying nontaxable amount 1,000,000 1,000,000 1,000,000 1,000,000 4,000,000
             
b Lobbying ceiling amount
(150% of line 2a, column(e)) 		        6,000,000
             
c Total lobbying expenditures 176,092 10,690 68,963 82,413 338,158
             
d Grassroots nontaxable amount 250,000 250,000 250,000 250,000 1,000,000
             
e Grassroots ceiling amount
(150% of line 2d, column (e))		         1,500,000
             
f Grassroots lobbying expenditures          
Schedule C (Form 990 or 990-EZ) 2012


Schedule C (Form 990 or 990-EZ) 2012
Page 3
Part II-B
Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).
For each “Yes” response to lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.
(a)
No
Yes
(b)
Amount
1
During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:
a
Volunteers? .........................................
 
 
b
Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ....
 
 
c
Media advertisements? ....................................
 
 
 
d
Mailings to members, legislators, or the public? .........................
 
 
 
e
Publications, or published or broadcast statements? .......................
 
 
 
f
Grants to other organizations for lobbying purposes? .......................
 
 
 
g
Direct contact with legislators, their staffs, government officials, or a legislative body? ........
 
 
 
h
Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ......
 
 
 
i
Other activities? ..........................
 
 
 
j
Total. Add lines 1c through 1i ...............................
 
2a
Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....
 
 
b
If "Yes," enter the amount of any tax incurred under section 4912 .................
 
c
If "Yes," enter the amount of any tax incurred by organization managers under section 4912 .....
 
d
If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? .......
 
 
Part III-A
Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).
Yes
No
1
Were substantially all (90% or more) dues received nondeductible by members? ................
1
 
 
2
Did the organization make only in-house lobbying expenditures of $2,000 or less? ................
2
 
 
3
Did the organization agree to carry over lobbying and political expenditures from the prior year? ..........
3
 
 
Part III-B
Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered “No” OR (b) Part III-A, line 3, is answered “Yes."
1
Dues, assessments and similar amounts from members .....................
1
 
2
Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political
expenses for which the section 527(f) tax was paid).
a
Current year .........................................
2a
 
b
Carryover from last year ....................................
2b
 
c
Total ............................................
2c
 
3
Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .
3
 
4
If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ................................
4
 
5
Taxable amount of lobbying and political expenditures (see instructions) ..............
5
 
Part IV
Supplemental Information
Complete this part to provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, line 2; and Part ll-B, line 1. Also, complete this part for any additional information.
Identifier Return Reference Explanation
Schedule C (Form 990 or 990EZ) 2012

Additional Data


Software ID:  
Software Version:  

SCHEDULE D
(Form 990)
Department of the Treasury
Internal Revenue Service
Supplemental Financial Statements
SchDMd Bullet Complete if the organization answered "Yes," to Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b
SchDMd Bullet Attach to Form 990. SchDMd Bullet See separate instructions.
OMB No. 1545-0047
2012
Open to Public Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I
Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" to Form 990, Part IV, line 6.
(a) Donor advised funds (b) Funds and other accounts
1 Total number at end of year .........    
2 Aggregate contributions to (during year) ...    
3 Aggregate grants from (during year) .....    
4 Aggregate value at end of year ........    
5
Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds are the organization's property, subject to the organization's exclusive legal control? ............
6
Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be
used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................
Part II
Conservation Easements. Complete if the organization answered "Yes" to Form 990, Part IV, line 7.
1
Purpose(s) of conservation easements held by the organization (check all that apply).
2
Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.
Held at the End of the Year
a Total number of conservation easements ....................... 2a  
b Total acreage restricted by conservation easements .................. 2b  
c Number of conservation easements on a certified historic structure included in (a) ..... 2c  
d Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure listed in the National Register .................... 2d  
3
Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during
the tax year SchDMd Bullet  
4
Number of states where property subject to conservation easement is located SchDMd Bullet  
5
Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and
enforcement of the conservation easements it holds? .............................
6
Staff and volunteer hours devoted to monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet  
7
Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year
SchDMd Bullet $  
8
Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .......................................
9
In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.
Part III
Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" to Form 990, Part IV, line 8.
1a
If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.
b
If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:
(i)
Revenues included in Form 990, Part VIII, line 1 ........................SchDMd Bullet $  
(ii)
Assets included in Form 990, Part X ..............................SchDMd Bullet $  
2
If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958) relating to these items:
a
Revenues included in Form 990, Part VIII, line 1 ..........................SchDMd Bullet $  
b
Assets included in Form 990, Part X ...............................SchDMd Bullet $  
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 52283D
Schedule D (Form 990) 2012

Schedule D (Form 990) 2012
Page 2
Part III
Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)
3
Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):
a
d
b
e
 
c
4
Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.
5
During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?........
Part IV
Escrow and Custodial Arrangements. Complete if the organization answered "Yes" to Form 990,
Part IV, line 9, or reported an amount on Form 990, Part X, line 21.
1a
Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................
b
If "Yes," explain the arrangement in Part XIII and complete the following table:
Amount
c Beginning balance ................................. 1c  
d Additions during the year .............................. 1d  
e Distributions during the year ............................. 1e  
f Ending balance ................................... 1f  
2a
Did the organization include an amount on Form 990, Part X, line 21? .....................
b
If “Yes,” explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ........
Part V
Endowment Funds. Complete if the organization answered "Yes" to Form 990, Part IV, line 10.
(a)Current year (b)Prior year b (c)Two years back (d)Three years back (e)Four years back
1a Beginning of year balance ....          
b Contributions ........          
c Net investment earnings, gains, and losses          
d Grants or scholarships .....          
e Other expenditures for facilities
and programs ........ 		         
f Administrative expenses ....          
g End of year balance ......          
2
Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:
a
Board designated or quasi-endowment SchDMd Bullet  
b
Permanent endowment SchDMd Bullet  
c
Temporarily restricted endowment SchDMd Bullet  
The percentages in lines 2a, 2b, and 2c should equal 100%.
3a
Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes
No
(i) unrelated organizations ........................
3a(i)
 
 
(ii) related organizations ........................
3a(ii)
 
 
b
If "Yes" to 3a(ii), are the related organizations listed as required on Schedule R? .........
3b
 
 
4
Describe in Part XIII the intended uses of the organization's endowment funds.
Part VI
Land, Buildings, and Equipment. See Form 990, Part X, line 10.
Description of property (a) Cost or other basis (investment) (b)Cost or other basis (other) (c) Accumulated depreciation (d) Book value
1a Land .................   429,773 429,773
b Buildings ................   2,635,328 1,429,272 1,206,056
c Leasehold improvements ............   2,232,825 1,054,109 1,178,716
d Equipment ................   13,018,589 10,951,227 2,067,362
e Other .................   25,185,478 14,298,553 10,886,925
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).).......SchDMdBullet 15,768,832
Schedule D (Form 990) 2012

Schedule D (Form 990) 2012
Page 3
Part VII
Investments—Other Securities. See Form 990, Part X, line 12.
(a) Description of security or category
(including name of security)		 (b)Book value (c) Method of valuation:
Cost or end-of-year market value
(1)Financial derivatives    
(2)Closely-held equity interests    
Other








Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)Small Bullet  
Part VIII
Investments—Program Related. See Form 990, Part X, line 13.
(a) Description of investment type (b) Book value (c) Method of valuation:
Cost or end-of-year market value








Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)Small Bullet  
Part IX
Other Assets. See Form 990, Part X, line 15.
(a) Description (b) Book value
(1) CASH HELD FOR CUSTOMERS 15,725,476
(2) DEPOSITS 779,297
(3) RESTRICTED INVESTMENTS 242,565
(4) CURRENT VALUE OF INSURANCE 6,384,946
(5) INVEST. IN DISREGARDED ENTITY 2,256,951




Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........Small Bullet 25,389,235
Part X
Other Liabilities. See Form 990, Part X, line 25.
1.(a) Description of liability (b) Book value
Federal income taxes 0
FUNDS HELD FOR AGENCIES 20,264
FUNDS HELD AS AGENT 78,746
ACCRUED LEASE EXPENSE 2,401,800
DEFERRED COMPENSATION 522,776





Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)Small Bullet 3,023,586
2. Fin 48 (ASC 740) Footnote. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII .....................................................
Schedule D (Form 990) 2012

Schedule D (Form 990) 2012
Page 4
Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return
1 Total revenue, gains, and other support per audited financial statements ....... 1  
2 Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a Net unrealized gains on investments .......... 2a  
b Donated services and use of facilities ......... 2b  
c Recoveries of prior year grants ........... 2c  
d Other (Describe in Part XIII.) ............ 2d  
e Add lines 2a through 2d ..................... 2e  
3 Subtract line 2e from line 1..................... 3  
4 Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a Investment expenses not included on Form 990, Part VIII, line 7b . 4a  
b Other (Describe in Part XIII.) ........... 4b  
c Add lines 4a and 4b....................... 4c  
5 Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ...... 5  
Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return
1 Total expenses and losses per audited financial statements ........... 1  
2 Amounts included on line 1 but not on Form 990, Part IX, line 25:
a Donated services and use of facilities .......... 2a  
b Prior year adjustments .............. 2b  
c Other losses ................ 2c  
d Other (Describe in Part XIII.) ............ 2d  
e Add lines 2a through 2d...................... 2e  
3 Subtract line 2e from line 1..................... 3  
4 Amounts included on Form 990, Part IX, line 25, but not on line 1:
a Investment expenses not included on Form 990, Part VIII, line 7b .. 4a  
b Other (Describe in Part XIII.) ............ 4b  
c Add lines 4a and 4b....................... 4c  
5 Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ...... 5  
Part XIII
Supplemental Information
Complete this part to provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b;
Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.
Identifier Return Reference Explanation
TRUST ACCOUNT LIABILITY SCHEDULE D, PART IV - TRUST, ESCROW AND CUSTODIAL ARRANGEMENTS MMI COLLECTS PAYMENTS FROM CLIENTS WHO ARE ON DEBT MANAGEMENT PLANS, PLACES THOSE PAYMENTS INTO A SEPARATE TRUST ACCOUNT, AND THEN DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS.
FIN 48 (ASC 740) - Accounting for Uncertainty in Income Taxes SCHEDULE D, PART X, LINE 2 As an organization described in Code Section 501(c)(3), Money Management International, Inc. (MMI) is exempt from federal income taxes on its related income pursuant to Code Section 501(a). MMI had no taxable unrelated business income in 2012. Accordingly, no provision for income taxes has been recorded. Management has evaluated the company's tax positions and concluded that MMI has taken no uncertain tax positions that require adjustment to the consolidated financial statements.
Schedule D (Form 990) 2012

Additional Data


Software ID:  
Software Version:  




Schedule J
(Form 990)
Department of the Treasury
Internal Revenue Service
Compensation Information
For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet Complete if the organization answered "Yes" to Form 990,
Part IV, question 23.
SchJMediumBullet Attach to Form 990. SchJMediumBullet See separate instructions.
OMB No. 1545-0047
2012
Open to Public Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I
Questions Regarding Compensation
Yes
No
1a
Check the appropiate box(es) if the organization provided any of the following to or for a person listed in Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.
b
If any of the boxes in line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain....
1b
 
 
2
Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all officers,
directors, trustees, and the CEO/Executive Director, regarding the items checked in line 1a? .......
2
 
 
3
Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.
4
During the year, did any person listed in Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:
a
Receive a severance payment or change-of-control payment? ................
4a
Yes
 
b
Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........
4b
Yes
 
c
Participate in, or receive payment from, an equity-based compensation arrangement? .........
4c
 
No
If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.
Only 501(c)(3) and 501(c)(4) organizations only must complete lines 5-9.
5
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:
a
The organization? ...........................
5a
 
No
b
Any related organization? .........................
5b
 
No
If "Yes," to line 5a or 5b, describe in Part III.
6
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:
a
The organization? ...........................
6a
 
No
b
Any related organization? .........................
6b
 
No
If "Yes," to line 6a or 6b, describe in Part III.
7
For persons listed in Form 990, Part VII, Section A, line 1a, did the organization provide any non-fixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............
7
 
No
8
Were any amounts reported in Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III .............................
8
 
No
9
If "Yes" to line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................
9
 
 
For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50053T
Schedule J (Form 990) 2012

Schedule J (Form 990) 2012
Page 2
Part II
Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.
For each individual whose compensation must be reported in Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.
(A) Name and Title (B) Breakdown of W-2 and/or 1099-MISC compensation (C) Retirement and other deferred compensation (D) Nontaxable
benefits		 (E) Total of columns
(B)(i)-(D) 		(F) Compensation
reported as deferred
in prior Form 990
(i) Base compensation (ii) Bonus & incentive compensation (iii) Other reportable compensation
(1)Ivan L HandPresident & Director (i)
(ii)		 577,884
  		0
  		320,528
  		30,000
  		19,176
  		947,588
  		275,000
 
(2)David A JuengelTreasurer (i)
(ii)		 215,033
  		35,000
  		8,578
  		7,500
  		24,346
  		290,457
  		0
 
(3)Anthony ScatagliaSenior Vice President (i)
(ii)		 240,131
  		70,000
  		14,154
  		7,500
  		25,673
  		357,458
  		0
 
(4)Charles StanleySenior Vice President (i)
(ii)		 170,061
  		0
  		167,512
  		5,217
  		41
  		342,831
  		0
 
(5)Terry BlaneySenior Vice President (i)
(ii)		 191,514
  		25,000
  		26,745
  		7,500
  		14,091
  		264,850
  		0
 
(6)Marianne D'AquilaSenior Vice President (i)
(ii)		 175,434
  		35,000
  		384
  		6,750
  		17,958
  		235,526
  		0
 
(7)Kandee JahnsSenior Vice President (i)
(ii)		 163,649
  		15,000
  		8,994
  		5,993
  		17,277
  		210,913
  		0
 
(8)Mel StillerBusiness Development Dir. (i)
(ii)		 173,008
  		10,299
  		6,755
  		5,912
  		10,291
  		206,265
  		0
 
(9)Joanne KerstetterVice President (i)
(ii)		 169,517
  		0
  		2,450
  		5,173
  		1,308
  		178,448
  		0
 
(10)Don McGeeVice President (i)
(ii)		 141,677
  		12,000
  		325
  		4,953
  		14,458
  		173,413
  		0
 
(11)Jim TriggsSenior Vice President (i)
(ii)		 144,663
  		16,000
  		322
  		1,675
  		10,575
  		173,235
  		0
 
Schedule J (Form 990) 2012

Schedule J (Form 990) 2012
Page 3
Part III
Supplemental Information
Complete this part to provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II.
Also complete this part for any additional information.
Identifier Return Reference Explanation
IVAN L. HAND SCH. J - PART II, COLUMN B(iii), LINE 1(i) OF THE OTHER REPORTABLE COMPENSATION FOR IVAN L. HAND, $275,000 WAS EARNED IN A PRIOR YEAR, BUT PAID IN THE CURRENT YEAR.
SEVERANCE PAYMENTS SCH. J - PART I, LINE 4a CHARLES STANLEY RECEIVED $164,000 IN SEVERANCE PAYMENTS FROM MMI DURING 2012.
NONQUALIFIED RETIREMENT PLANS SCH. J - PART I, LINE 4b During 2001 and 2002, MMI established split-dollar life insurance arrangements for certain key executives utilizing those policies as set forth in the following table. Pursuant to collateral assignments of each policy, upon termination of an arrangement, MMI is entitled to receive all of its premiums paid on a policy to the extent there is sufficient cash surrender value. However, such right may be waived upon satisfaction of certain requirements. Similarly, while the arrangement is in effect, MMI is entitled to receive all of its insurance premiums paid on a policy before any insurance proceeds are payable to an executive's beneficiaries under such policy. Each year, in accordance with IRS Notice 2002-8 (which governs split-dollar arrangements entered into prior to September 18, 2003), MMI reports the value of the life insurance protection provided to an executive under the split-dollar arrangements as taxable compensation on each participating executive's Form W-2. The aggregate premiums paid and corresponding cash surrender value of the respective split-dollar policies subject to repayment to MMI as of December 31, 2012, is $6,384,946 and is included in "Other Assets" on MMI's Balance Sheet. See Form 990, Part X, Line 15; and Schedule D (Form 990), Supplemental Financial Statements, Part IX, Line (b)(4). Cumulative Premiums Repayable from Covered Cash Surrender Value Executive: Policy Dates as of 12/31/12 -------------------------------------------------------- IVAN HAND 03/27/01 $611,494. 12/01/01 $2,963,456. 08/31/02 $1,100,000. ------------ $4,674,950. KANDEE JAHNS 03/27/01 $240,000. 08/31/02 $330,000. ------------ $570,000. DAVID JUENGEL 03/27/01 $240,000. 08/31/02 $330,000. ------------ $570,000. TONY SCATAGLIA 03/27/01 $239,996. 08/31/02 $330,000. ------------ $569,996. ------------ TOTALS $6,384,946. ============
Schedule J (Form 990) 2012

Additional Data


Software ID:  
Software Version:  
Schedule L
(Form 990 or 990-EZ)
Department of the Treasury
Internal Revenue Service
Transactions with Interested Persons
MediumBullet Complete if the organization answered
"Yes" on Form 990, Part IV, lines 25a, 25b, 26, 27, 28a, 28b, or 28c,
or Form 990-EZ, Part V, line 38a or 40b.
MediumBullet Attach to Form 990 or Form 990-EZ. MediumBullet See separate instructions.
OMB No. 1545-0047
2012
Open to Public Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I
Excess Benefit Transactions (section 501(c)(3) and section 501(c)(4) organizations only).
Complete if the organization answered "Yes" on Form 990, Part IV, line 25a or 25b, or Form 990-EZ, Part V, line 40b.
1(a) Name of disqualified person (b) Relationship between disqualified person and organization (c) Description of transaction (d) Corrected?
Yes No





2
Enter the amount of tax incurred by organization managers or disqualified persons during the year under section 4958. ........................... Bullet Image$
 
3
Enter the amount of tax, if any, on line 2, above, reimbursed by the organization ....... Bullet Image$
 

Part II
Loans to and/or From Interested Persons.
Complete if the organization answered "Yes" on Form 990-EZ, Part V, line 38a, or Form 990, Part IV, line 26; or if the organization reported an amount on Form 990, Part X, line 5, 6, or 22
(a) Name of interested person (b) Relationship with organization (c) Purpose of loan (d) Loan to or from the organization? (e)Original principal amount (f)Balance due (g) In default? (h) Approved by board or committee? (i)Written agreement?
To From Yes No Yes No Yes No
Total ......Small Bullet $  
Part III
Grants or Assistance Benefitting Interested Persons.
Complete if the organization answered "Yes" on Form 990, Part IV, line 27.
(a) Name of interested person (b) Relationship between interested person and the organization (c) Amount of assistance (d) Type of assistance (e) Purpose of assistance
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 50056A
Schedule L (Form 990 or 990-EZ) 2012
Schedule L (Form 990 or 990-EZ) 2012
Page 2
Part IV
Business Transactions Involving Interested Persons.
Complete if the organization answered "Yes" on Form 990, Part IV, line 28a, 28b, or 28c.
(a) Name of interested person (b) Relationship between interested person and the organization (c) Amount of transaction (d) Description of transaction (e) Sharing of organization's revenues?
Yes No
(1) CCCS OF SOUTHERN NEW ENGLAND INC SHARES OFFICERS AND DIR. 500,200 PAYMENTS TO SNE BY MMI   No
(2) CCCS OF SOUTHERN NEW ENGLAND INC SHARES OFFICERS AND DIR. 11,744 PAYMENTS BY SNE TO MMI   No
Part V
Supplemental Information
Complete this part to provide additional information for responses to questions on Schedule L (see instructions).
Identifier Return Reference Explanation
RELATIONSHIP WITH CCCS OF SOUTHERN NEW ENGLAND, INC. (SNE) FORM 990, PART IV, LINE 28C LINE 28C OF FORM 990, PART IV WAS MARKED "YES" BECAUSE MMI ENGAGED IN TRANSACTIONS WITH CCCS OF SOUTHERN NEW ENGLAND, INC. (SNE), AN ORGANIZATION WHICH SHARES OFFICERS AND DIRECTORS WITH MMI. SNE IS RECOGNIZED AS A PUBLIC CHARITY DESCRIBED IN IRC SECTIONS 501(C)(3) AND 509(A)(2). NO OFFICER OR DIRECTOR OF MMI RECEIVES ANY REMUNERATION FROM SNE, EITHER DIRECTLY OR INDIRECTLY.
Schedule L (Form 990 or 990-EZ) 2012

Additional Data


Software ID:  
Software Version:  




SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service
Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or to provide any additional information.
MediumBullet Attach to Form 990 or 990-EZ.
OMB No. 1545-0047
2012
Open to Public
Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Identifier Return Reference Explanation
CREDIT COUNSELING AND DEBT MANAGEMENT Form 990, Part III, Line 4a PROGRAM SERVICE #1 MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) PROVIDES PERSONAL FINANCIAL COUNSELING AND EDUCATION FOR INDIVIDUALS NEEDING ASSISTANCE WITH BUDGETING AND MONEY MANAGEMENT. THE CONSUMERS WHO CONTACT MMI DO SO OUT OF A NEED FOR FINANCIAL GUIDANCE FROM A CERTIFIED CREDIT COUNSELOR. AMONG CONSUMERS COUNSELED BY MMI IN 2012, 84,815 RECEIVED FREE DEBT AND BUDGET COUNSELING SESSIONS. DURING A DEBT AND BUDGET COUNSELING SESSION, A CERTIFIED CREDIT COUNSELOR WILL HELP THE CONSUMER ASSESS THEIR FINANCIAL SITUATION, DEVELOP A SPENDING PLAN, SET FINANCIAL GOALS AND CREATE AN ACTION PLAN. COUNSELING SESSIONS ARE CONDUCTED BY TELEPHONE, THROUGH THE INTERNET OR IN-PERSON IN ONE OF 83 LOCATIONS THROUGHOUT THE COUNTRY (WHICH INCLUDES DONATED OFFICE SPACE VALUED AT $35,400). SOME CONSUMERS SEEKING DEBT AND BUDGET COUNSELING RECEIVED BOTH FINANCIAL GUIDANCE AND WERE ENROLLED IN AN MMI DEBT MANAGEMENT PLAN ("DMP") FOR SYSTEMATIC REPAYMENT OF CERTAIN DEBTS. TEAMS OF CERTIFIED SUPPORT COUNSELORS LOCATED IN SUGAR LAND, TX; BATON ROUGE, LA; AND WARWICK, RI PROVIDE ADMINISTRATION AND SUPPORT FOR MMI'S DMP CLIENTS. THE SUPPORT COUNSELORS PROVIDE ON-GOING FINANCIAL COUNSELING AND EDUCATION TO CLIENTS FROM THE START OF THEIR PLAN THROUGH COMPLETION. IN 2012, THE SUPPORT TEAMS HANDLED OVER 428,600 IN-BOUND CALLS FROM CLIENTS AND CREDITORS. CONTINUOUS IMPROVEMENT AND CONSISTENT SERVICE QUALITY ARE IMPORTANT TRAITS OF MMI EMPLOYEES. AS AN ACKNOWLEDGEMENT OF OUR QUALITY SERVICE AND COMMITMENT TO CONTINUOUS IMPROVEMENT, MMI HAS BEEN GRANTED ACCREDITATION FROM THE COUNCIL ON ACCREDITATION ("COA"). OUR TEAMS OF ANALYSTS CONDUCT EXTENSIVE AUDITS ON ALL STAFF PROVIDING COUNSELING AND SUPPORT SERVICES. OUR DEDICATION TO QUALITY EXTENDS FROM CORPORATE PRACTICES TO EMPLOYEE TRAINING. WE BELIEVE THAT IT IS CRITICAL FOR OUR EMPLOYEES TO UNDERSTAND THE TRUE IMPORTANCE OF QUALITY AS IT RELATES TO EVERY CONTACT WITH EVERY CONSUMER; THEREFORE, IT IS CORPORATE POLICY THAT EVERY DEBT COUNSELOR AND SUPPORT COUNSELOR RECEIVES IN-DEPTH TRAINING PRIOR TO COUNSELING A CONSUMER. IN ADDITION, ALL COUNSELORS ARE REQUIRED TO BE INDEPENDENTLY CERTIFIED THROUGH THE NATIONAL FOUNDATION FOR CREDIT COUNSELING'S COUNSELOR CERTIFICATION PROGRAM.
HOUSING COUNSELING AND EDUCATION Form 990, Part III, Line 4b PROGRAM SERVICE #2 MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) PROVIDES THREE HOUSING COUNSELING SERVICES AIMED AT SAVING HOMES AND BUILDING COMMUNITIES. THESE SERVICES INCLUDE: 1. FORECLOSURE PREVENTION COUNSELING. THIS PROGRAM IS DESIGNED TO ASSIST THOSE WHO HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS. MMI WORKS TOGETHER WITH THE CONSUMER AND THEIR MORTGAGE COMPANY TO HELP THE CONSUMER KEEP THEIR HOME AND AVOID THE COST AND DAMAGE TO THEIR CREDIT RATING ASSOCIATED WITH FORECLOSURE. 2. REVERSE MORTGAGE COUNSELING EDUCATES SENIORS ON THE BENEFITS, CONSEQUENCES, OPTIONS, AND PROCESS OF OBTAINING A HOME EQUITY CONVERSION MORTGAGE. 3. MMI ASSISTS POTENTIAL HOME BUYERS BY EDUCATING THEM ON THE COSTS AND RESPONSIBILITIES OF HOME OWNERSHIP. MMI COUNSELED APPROXIMATELY 121,000 CONSUMERS ON HOUSING-RELATED ISSUES IN 2012. THESE COUNSELING SESSIONS WERE CONDUCTED BY PHONE BY HOUSING COUNSELORS IN CONTACT CENTERS LOCATED IN PHOENIX, AZ; SUGAR LAND, TX; WARWICK, RI; AND SOUTH PORTLAND, ME AS WELL AS IN PERSON IN LOCAL BRANCH OFFICES THROUGHOUT THE UNITED STATES. THE FUNDING FOR HOUSING COUNSELING IS PROVIDED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (INCLUDING THE EMERGENCY HOMEOWNERS' LOAN PROGRAM - EHLP), THE NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM (NEIGHBORWORKS), THE HOMEOWNERSHIP PRESERVATION FOUNDATION (HPF), AND THE U.S. TREASURY DEPARTMENT'S MAKING HOME AFFORDABLE PROGRAM (MHA). NOTE: INCLUDED IN REVENUE FOR PROGRAM SERVICE #2 (HOUSING COUNSELING) IS GRANT FUNDING FROM THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) TO PROVIDE DELINQUENT MORTGAGE COUNSELING ($1,687,068), HOME EQUITY CONVERSION MORTGAGE COUNSELING ($452,496), AND EHLP ASSISTANCE ($226,655); $3,599,647 FROM NEIGHBORWORKS AMERICA (RECEIVED EITHER DIRECTLY FROM NEIGHBORWORKS OR FROM PASS-THROUGH ORGANIZATIONS SUCH AS HPF OR THE NATIONAL FOUNDATION FOR CREDIT COUNSELING; AND $7,032,996 IN FUNDING FROM THE TREASURY DEPARTMENT'S MHA PROGRAM. THIS REVENUE IS INCLUDED IN PART VIII, LINE 1E (GOVERNMENT GRANTS AND CONTRIBUTIONS).
BANKRUPTCY COUNSELING AND BANKRUPTCY EDUCATION Form 990, Part III, Line 4c PROGRAM SERVICE #3 IN SEPTEMBER 2005, MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) WAS APPROVED BY THE EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES (EOUST) TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND TO ISSUE COUNSELING CERTIFICATES IN COMPLIANCE WITH THE BANKRUPTCY CODE. PRE-FILING COUNSELING IS AVAILABLE BY A VARIETY OF DELIVERY METHODS. INDIVIDUALS CAN COMPLETE A PRE-FILING COUNSELING SESSION BY TELEPHONE OR INTERNET. IN 2012, MMI PROVIDED 30,496 PRE-FILING BANKRUPTCY COUNSELING SESSIONS. MMI IS ALSO APPROVED BY THE EOUST TO DELIVER PRE-DISCHARGE BANKRUPTCY EDUCATION SERVICES. IN 2012, MORE THAN 21,150 DEBTORS PARTICIPATED IN ONE OF OUR BANKRUPTCY PRE-DISCHARGE EDUCATION PROGRAMS. TELEPHONE AND ONLINE PROGRAMS ARE SCHEDULED AT VARIOUS TIMES, INCLUDING EVENINGS AND WEEKENDS, TO PROVIDE CONVENIENT ACCESS FOR ALL PARTICIPANTS. UPON COMPLETION OF THE PROGRAM, A CERTIFICATE OF PARTICIPATION IS ISSUED ALLOWING THE INDIVIDUAL TO PROCEED WITH THE BANKRUPTCY DISCHARGE PROCESS.
CONSUMER EDUCATION PROGRAMS AND COMMUNITY OUTREACH Form 990, Part III, Line 4d PROGRAM SERVICE #4 COMMUNITY OUTREACH AND CONSUMER FINANCIAL EDUCATION ARE INTEGRAL PARTS OF ALL CHARITABLE ACTIVITIES PERFORMED BY MONEY MANAGEMENT INTERNATIONAL, INC. (MMI). MMI'S COMMITMENT TO PROMOTE LOCAL COMMUNITY-BASED FINANCIAL EDUCATION IS PERHAPS BEST REFLECTED BY ITS PRESENCE IN LOCAL MARKETS. THE EDUCATION DEPARTMENT FOCUSES SPECIFICALLY ON EDUCATING THE PUBLIC ON SOUND PERSONAL FINANCIAL SKILLS AND MONEY MANAGEMENT PRINCIPLES BY DEVELOPING, DELIVERING, AND SUPPORTING PROGRAMS THAT TEACH THOSE SKILLS AND PRINCIPLES. MMI'S EDUCATION DEPARTMENT MAINTAINS OFFICES LOCATED IN STATES WHERE MMI PROVIDES IN-PERSON COUNSELING. THE DEPARTMENT PRESENTS AT NO OR VERY LOW COST INFORMATIVE FINANCIAL EDUCATION SEMINARS AND WORKSHOPS TO THE GENERAL PUBLIC THROUGH SCHOOLS, COMMUNITY ORGANIZATIONS, FINANCIAL INSTITUTIONS, SOCIAL SERVICE AGENCIES AND EMPLOYERS. DURING 2012, EDUCATION SPECIALISTS ALONG WITH THE AGENCY'S TRAINED VOLUNTEERS, PROVIDED 15,000 HOURS OF FINANCIAL LITERACY EDUCATION THROUGH WORKSHOPS, AND OUTREACH EVENTS TO 90,300 PARTICIPANTS. MMI DEVELOPED THE CERTIFIED MONEY MANAGEMENT VOLUNTEER ("CMMV") PROGRAM TO REACH MORE CONSUMERS WITH FINANCIAL EDUCATION PROGRAMS. THROUGH THIS PROGRAM, MMI RECRUITS AND TRAINS VOLUNTEERS FROM LOCAL BUSINESSES AND COMMUNITY SERVICE ORGANIZATIONS TO TEACH THE IMPORTANCE OF FINANCIAL RESPONSIBILITY. THIS PROGRAM HAS ALLOWED MMI TO INCREASE COMMUNITY OUTREACH AND FURTHER DEMONSTRATE ITS COMMITMENT TO IMPROVING THE QUALITY OF LIFE IN THE AREAS IN WHICH MMI OPERATES. THE CMMV CURRICULUM INCLUDES FINANCIALS SKILLS-BUILDING, BUDGETING, ESTABLISHING CREDIT, BUYING DECISIONS, AND PLANNING FOR THE FUTURE. THESE DONATED SERVICES ARE VALUED AT $135,995. BILINGUAL CERTIFIED COUNSELORS AND VOLUNTEERS ARE ALSO AVAILABLE TO PRESENT PROGRAMS TO SPANISH-SPEAKING AUDIENCES. MMI'S STAFF OF HIGHLY TRAINED EDUCATIONAL PROFESSIONALS OFFERS SEMINARS THAT COVER A WIDE RANGE OF TOPICS. THE TYPES OF PROGRAMS OFFERED INCLUDE "UNDERSTANDING MONEY AND CREDIT"; "AVOIDING IDENTITY THEFT"; "AVOIDING SCAMS AND FRAUD"; "FIRST-TIME HOMEBUYER PROGRAMS"; "WHEN INCOME DECREASES, BUT THE BILLS DON'T"; "PLANNING FOR THE HOLIDAYS"; "LIVING ON A FIXED INCOME"; AND "TEACHING CHILDREN ABOUT MONEY". THE EIGHT-PART "JOURNEY TO FINANCIAL SECURITY SERIES" INCLUDES INFORMATION ABOUT SETTING GOALS AND PRIORITIES, MANAGING INCOME AND EXPENSES, MANAGING IMPORTANT PAPERS, UNDERSTANDING CREDIT REPORTS AND CREDIT SCORES, USING CREDIT WISELY, KEEPING DEBT UNDER CONTROL, BUILDING SAVINGS AND CREATING WEALTH. PROGRAMS ARE OFFERED FOR YOUNG STUDENTS FROM KINDERGARTEN TO MIDDLE SCHOOL WHICH HELP THEM TO DISTINGUISH BETWEEN WANTS AND NEEDS, MAKE WISE BUDGETING AND SPENDING CHOICES, APPRECIATE THE IMPORTANCE OF SAVING, AND UNDERSTAND HOW ADVERTISING INFLUENCES SPENDING CHOICES. THE TYPES OF PROGRAMS IN THIS SERIES INCLUDE "BROWNIE WANTS A NEW BIKE"; "THE MONEY BUNNIES TAKE A VACATION"; "HANDS ON BANKING"; AND "MY MONEY 101". OLDER STUDENTS CAN TAKE PART IN PROGRAMS SUCH AS "CREDIT REPORTS AND CREDIT SCORES"; "MANAGING INCOME AND EXPENSES"; "LIVING ON YOUR OWN: A GUIDE FOR YOUNG ADULTS"; AND "REAL MONEY 101". A NEW PROGRAM BEING OFFERED IS CALLED "BEGINNING MY FINANCIAL JOURNEY". THIS PROGRAM WAS DEVELOPED SPECIFICALLY FOR LOW INCOME INDIVIDUALS. PROGRAM COMPONENTS INCLUDE: "BASIC BANKING"; "OBTAINING AND MANAGING CREDIT"; "PRIORITIES, SETTING GOALS, INCOME AND EXPENSEES"; AND "CREDIT REPORTS AND SCORES". CUSTOMIZED PROGRAMS ARE ALSO AVAILABLE. CLASS PARTICIPANTS ARE GIVEN A VARIETY OF MATERIALS, INCLUDING WORKBOOKS AND HANDOUTS TO SUPPLEMENT THE VISUAL AIDS. ALL CONSUMERS WITH ACCESS TO THE WORLD WIDE WEB CAN TAKE PART IN EDUCATION ONLINE FROM THE COMFORT OF THEIR HOME OR OFFICE THROUGH MMI'S WEB SITE AT WWW.MONEYMANAGEMENT.ORG. ONLINE WEB SEMINAR PROGRAMS ARE AVAILABLE TO MMI CLIENTS AND THE GENERAL PUBLIC. THESE SEMINARS CONSIST OF A POWERPOINT PRESENTATION THAT IS FACILITATED LIVE BY AN EDUCATOR. PARTICIPANTS SIGN IN USING A WEB LINK AND A SPECIFIC TELEPHONE NUMBER. THEY CAN THEN HEAR AND TALK WITH THE EDUCATOR AS WELL AS FOLLOW THE POWERPOINT SLIDES ON THEIR COMPUTER SCREEN. THE WEB SEMINARS ARE FULLY INTERACTIVE; THERE ARE A NUMBER OF ACTIVITIES TO KEEP PARTICIPANTS INVOLVED AND REINFORCE WHAT THEY ARE LEARNING. THESE PROGRAMS ARE SCHEDULED AT TIMES CONVENIENT FOR CONSUMERS, AND REGISTRATION IS REQUIRED. THE REGISTRATION SCHEDULE AND LINK TO THE PROGRAMS IS ON THE HOME PAGE OF OUR WEB SITE. NEW CLASSES ARE ADDED REGULARLY, AND CURRENT CLASSES INCLUDE: "BUDGETING - MAKING YOUR MONEY COUNT"; "YOUR CREDIT REPORT AND CREDIT SCORE"; "PUT YOUR DEBT ON A DIET"; "KEEPING THE DREAM OF HOMEOWNERSHIP ALIVE"; "TEACHING CHILDREN ABOUT MONEY"; "LET'S TALK - COUPLES AND MONEY"; AND "PLANNING FOR THE HOLIDAYS". IN ADDITION TO THE IN-PERSON WORKSHOPS AND EDUCATION PROGRAMS VIA THE WEB, THE PUBLIC AND CLIENTS OF MMI CAN ACCESS EDUCATIONAL RESOURCES ON MMI'S WEB SITE PAGES WHICH INCLUDE TEACHER RESOURCES, LESSON PLANS, VIDEOS, FINANCIAL TOOLS, ONLINE ARTICLES, AND A "Q&A" SECTION SPECIFICALLY DESIGNED TO ANSWER FINANCE-RELATED QUESTIONS. ALL OF THESE SERVICES ARE PROVIDED TO THE PUBLIC FREE OF CHARGE. MANY OF OUR AT-RISK VISITORS WILL SEEK GUIDANCE, DOWNLOAD MATERIALS, SIGN UP FOR MMI'S FREE WEEKLY EDUCATION NEWSLETTERS, AND/OR SUBMIT QUESTIONS TO THE MMI "ADVICE TEAM". GIVING BACK TO LOCAL COMMUNITIES THROUGH EDUCATIONAL OPPORTUNITIES IS ALSO IMPORTANT TO MMI'S EMPLOYEES. MANY EMPLOYEES TAKE MMI'S MESSAGE WITH THEM TO THEIR CHURCHES AND SYNAGOGUES, CLUBS, AND TRADE ORGANIZATIONS. THEY ARE ENCOURAGED TO SPREAD THE WORD OF WISE USE OF CREDIT AND MONEY MANAGEMENT BY OFFERING FREE LITERATURE AND WORKBOOKS TO THEIR AUDIENCES.
AGENCY SERVICES - UNRELATED BUSINESS INCOME Form 990, Part III, Line 4d PROGRAM SERVICE #5 ON DECEMBER 31, 2005, CONSUMER CREDIT COUNSELING SERVICES OF GREATER DENVER, INC. MERGED WITH AND INTO MONEY MANAGEMENT INTERNATIONAL, INC. (MMI). THE DENVER OPERATION, THROUGH ITS PARAGON FINANCIAL SYSTEMS DIVISION, PROVIDES TECHNICAL ASSISTANCE, SOFTWARE, FULFILLMENT, AND BACK OFFICE SUPPORT FOR THE COUNSELING OPERATIONS OF OTHER NONPROFIT CREDIT COUNSELING AND DEBT MANAGEMENT AGENCIES. PRIOR TO ITS MERGER WITH MMI, CCCS OF GREATER DENVER WAS AN ORGANIZATION RECOGNIZED BY THE IRS AS A PUBLIC CHARITY DESCRIBED IN IRC SECTIONS 501(C)(3) AND 509(A)(2).
PROCESS USED TO REVIEW FORM 990 FORM 990, PART VI - POLICIES - SEC. B, LINE 11 THE BOARD OF DIRECTORS FOR MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) HAS ESTABLISHED AN AUDIT COMMITTEE WHICH REVIEWS ALL AUDITED FINANCIAL STATEMENTS AND FEDERAL TAX RETURNS. MMI'S 2012 FORM 990 AND RELATED SCHEDULES WERE MADE AVAILABLE TO THE FULL BOARD FOR THEIR REVIEW PRIOR TO FILING THE RETURN.
PROCEDURES TO MONITOR CONFLICTS OF INTEREST FORM 990, PART VI - POLICIES - SEC. B, LINE 12 ALL DIRECTORS, OFFICERS AND KEY EMPLOYEES ("EXECUTIVES") OF MONEY MANAGEMENT INTERNATIONAL, INC. (MMI)ARE BOUND BY A CONFLICT OF INTEREST POLICY WHEREBY THEY MUST COMPLETE AND SUBMIT ON AN ANNUAL BASIS A CONFLICTS OF INTEREST QUESTIONNAIRE AND DISCLOSURE FORM DETAILING "ANY OTHER INTERESTS". THE EXECUTIVE MUST UPDATE THE DISCLOSURE FORM IF ANY MATERIAL CHANGES OR ADDITIONS TO THE SUBMITTED INFORMATION ARISE DURING THE COURSE OF THE YEAR. ON THE DISCLOSURE FORM, THE EXECUTIVE MUST LIST THE FOLLOWING: 1) ALL FINANCIAL TRANSACTIONS WITH THE ORGANIZATION. 2) WHETHER THE EXECUTIVE OR ANY FAMILY MEMBER OF THE EXECUTIVE HAS AN EXISTING OR POTENTIAL INTEREST IN, OR COMPENSATION ARRANGEMENT WITH, ANY THIRD PARTY PROVIDING GOODS OR SERVICES TO THE ORGANIZATION. 3) WHETHER THE EXECUTIVE OR ANY FAMILY MEMBER OF THE EXECUTIVE HAS AN EXISTING OR POTENTIAL INTEREST IN, OR COMPENSATION ARRANGEMENT WITH, ANY THIRD PARTY WITH WHICH THE ORGANIZATION IS CURRENTLY NEGOTIATING A TRANSACTION OR ARRANGEMENT. 4) ANY OTHER NONPROFIT OR FOR-PROFIT ORGANIZATIONS WITH POTENTIALLY CONFLICTING INTERESTS IN WHICH THE EXECUTIVE OR ANY FAMILY MEMBER OF THE EXECUTIVE IS ACTIVELY INVOLVED, HAS A SIGNIFICANT INVESTMENT, OR OWNS AT LEAST A 1% INTEREST. 5) ALL PAID OR UNPAID POSITIONS OR RELATIONSHIPS WITH NONPROFIT OR FOR-PROFIT THIRD PARTY ORGANIZATIONS THAT COMPETE WITH THE ORGANIZATION, OR TAKE PUBLIC POSITIONS CONTRARY TO THOSE OF THE ORGANIZATION. 6) ANY OTHER INTEREST THAT MAY ARISE FROM A TRANSACTION BETWEEN THE ORGANIZATION AND A THIRD PARTY, OR AN EXECUTIVE'S VOLUNTEER OR PAID RELATIONSHIP WITH A THIRD PARTY, WHICH MAY COMPROMISE THE EXECUTIVE'S ABILITY TO PROVIDE UNBIASED AND UNDIVIDED LOYALTY TO THE ORGANIZATION.
PROCEDURES USED TO DETERMINE COMPENSATION FORM 990, PART VI - POLICIES - SEC. B, LINE 15 MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) HAS DEVELOPED AND IMPLEMENTED A COMPENSATION POLICY THAT ADHERES TO THE STANDARDS PROVIDED IN TREASURY REGULATIONS SECTION 53.4958-6. MMI'S COMPENSATION POLICY REQUIRES THE FOLLOWING: 1) PRIOR TO PAYMENT, THE AMOUNT OF COMPENSATION PROVIDED TO OFFICERS AND KEY EMPLOYEES MUST BE REVIEWED AND APPROVED BY INDEPENDENT PERSONS (THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS) ACTING ON BEHALF OF THE MMI BOARD OF DIRECTORS; 2) THE COMPENSATION COMMITTEE OBTAINS AND RELIES UPON COMPARABILITY DATA AND VALUATION STUDIES PREPARED FOR MMI BY INDEPENDENT EXECUTIVE COMPENSATION EXPERTS IN ITS REVIEW AND APPROVAL OF OFFICER AND KEY EMPLOYEE COMPENSATION; AND 3) WHEN APPROVING AN AMOUNT OF COMPENSATION FOR OFFICERS AND KEY EMPLOYEES, THE COMPENSATION COMMITTEE CONTEMPORANEOUSLY DOCUMENTS ITS DELIBERATIONS AND DECISIONS IN WRITING.
GOVERNANCE & POLICY DISCLOSURE FORM 990, PART VI - DISCLOSURE - SECTION C, LINE 19 MONEY MANAGEMENT INTERNATIONAL, INC. (MMI) COMPLIES WITH THE PUBLIC INSPECTION REQUIREMENTS OF INTERNAL REVENUE CODE SECTION 6104 BY MAKING AVAILABLE TO THE PUBLIC ITS FORM 1023, APPLICATION FOR RECOGNITION OF EXEMPTION UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, DETERMINATION LETTER FROM THE IRS, AND FORMS 990 AND 990-T FOR ITS THREE MOST RECENTLY COMPLETED TAX PERIODS. IN ADDITION TO THIS INFORMATION, EVEN THOUGH SECTION 6104 DOES NOT REQUIRE ORGANIZATIONS EXEMPT UNDER SECTION 501(C)(3) TO DISCLOSE THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICIES, OR FINANCIAL STATEMENTS, MMI HAS CHOSEN TO MAKE SUCH INFORMATION AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST.
SINGLE AUDIT PROCEDURES FORM 990, PART XII - FINANCIAL STATEMENTS AND REPORTING - LINE 3B MMI'S BOARD OF DIRECTORS HAS ESTABLISHED AN AUDIT COMMITTEE WHICH REVIEWS ALL AUDITED FINANCIAL STATEMENTS, THE SELECTION OF OUTSIDE AUDITORS, AND THE PROCESS BY WHICH THE ORGANIZATION IS AUDITED. BECAUSE MMI RECEIVES GRANT FUNDING FROM THE U.S. FEDERAL GOVERNMENT, IN ADDITION TO THE REGULAR AUDIT OF FINANCIAL STATEMENTS PREPARED IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES (GAAP), A SINGLE PURPOSE AUDIT IS PERFORMED AS REQUIRED BY THE SINGLE AUDIT ACT AND OMB CIRCULAR A-133. THIS AUDIT DISCLOSES AUDITOR OPINIONS REGARDING MMI'S COMPLIANCE WITH THE SINGLE AUDIT ACT AND OMB CIRCULAR A-133.
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 51056K
Schedule O (Form 990 or 990-EZ) 2012

Additional Data


Software ID:  
Software Version:  
SCHEDULE R
(Form 990)
Department of the Treasury
Internal Revenue Service
Related Organizations and Unrelated Partnerships
MediumBulletComplete if the organization answered "Yes" to Form 990, Part IV, line 33, 34, 35, 36, or 37.
MediumBulletAttach to Form 990. MediumBullet See separate instructions.

OMB No. 1545-0047
2012
Open to Public Inspection
Name of the organization
MONEY MANAGEMENT INTERNATIONAL INC
 
Employer identification number

54-1837741
Part I
Identification of Disregarded Entities (Complete if the organization answered "Yes" to Form 990, Part IV, line 33.)
(a)
Name, address, and EIN (if applicable) of disregarded entity


(b)
Primary activity


 		(c)
Legal domicile (state
or foreign country)

 		(d)
Total income


 		(e)
End-of-year assets


 		(f)
Direct controlling
entity
(1) MMI HOUSING LLC
14141 SOUTHWEST FREEWAY STE 1000
SUGAR LAND,TX77478
46-0985114 		REAL ESTATE DE   2,250,000 MMI INC
 
(2) MMI - SEMINOLE RIDGE INVESTMENT LLC
14141 SOUTHWEST FREEWAY STE 1000
SUGAR LAND,TX77478
46-0984731 		REAL ESTATE DE 6,951 2,256,951 MMI INC
 








Part II
Identification of Related Tax-Exempt Organizations (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.)
(a)
Name, address, and EIN of related organization


(b)
Primary activity


 		(c)
Legal domicile (state
or foreign country)

 		(d)
Exempt Code section


 		(e)
Public charity status
(if section 501(c)(3))

 		(f)
Direct controlling
entity

 		(g)
Section 512(b)(13) controlled entity?
Yes No
(1) CCCS OF SOUTHERN NEW ENGLAND INC

14141 SOUTHWEST FRWY STE1000

SUGAR LAND,TX77478
23-7230816 		CREDIT COUNS. MA 501(C)(3) 9 MMIINC
 
Yes
 
(2) MMI FINANCIAL EDUCATION FOUNDATION

14141 SOUTHWEST FRWY STE1000

SUGAR LAND,TX77478
76-0691702 		FIN. EDUC. TX 501(C)(3) 11,TYPE I MMIINC
 
Yes
 










For Paperwork Reduction Act Notice, see the Instructions for Form 990.
Cat. No. 50135Y
Schedule R (Form 990) 2012
Schedule R (Form 990) 2012
Page 2
Part III
Identification of Related Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more related organizations treated as a partnership during the tax year.)
(a)
Name, address, and EIN of
related organization



 		(b)
Primary activity




 		(c)
Legal
domicile
(state or foreign
country)


 		(d)
Direct controlling
entity



 		(e)
Predominant income(related, unrelated, excluded from tax under sections 512-514)

(f)
Share of total income




 		(g)
Share of end-of-year
assets



 		(h)
Disproprtionate allocations?




 		(i)
Code V—UBI
amount in box 20 of
Schedule K-1
(Form 1065)
 		(j)
General or
managing
partner?



 		(k)
Percentage
ownership
Yes No Yes No












Part IV
Identification of Related Organizations Taxable as a Corporation or Trust (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.)
(a)
Name, address, and EIN of
related organization
 		(b)
Primary activity
 		(c)
Legal
domicile
(state or foreign
country)
 		(d)
Direct controlling
entity
 		(e)
Type of entity
(C corp, S corp,
or trust) 		(f)
Share of total income
 		(g)
Share of end-of-year
assets
 		(h)
Percentage
ownership
 		(i)
Section 512(b)(13) controlled entity?
Yes No
(1) REVERSE MORTGAGE COUNSELING ASSOCIATION

14141 SOUTHWEST FRWY STE1000
SUGAR LAND,TX77478
26-2387390 		COUNS. SUPPORT DC NA
  		C 0 0 0 %   No












Schedule R (Form 990) 2012
Schedule R (Form 990) 2012
Page 3
Part V
Transactions With Related Organizations (Complete if the organization answered "Yes" to Form 990, Part IV, line 34, 35b, or 36.)
Note. Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule.
Yes
No
1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?
a Receipt of (i) interest (ii) annuities (iii) royalties or (iv) rent from a controlled entity . . . . . . . . . . . . . . . . . . . . . . .
1a
 
No
b Gift, grant, or capital contribution to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1b
 
No
c Gift, grant, or capital contribution from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1c
 
No
d Loans or loan guarantees to or for related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1d
 
No
e Loans or loan guarantees by related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1e
 
No
f Dividends from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1f
 
 
g Sale of assets to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1g
 
No
h Purchase of assets from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1h
 
No
i Exchange of assets with related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1i
 
No
j Lease of facilities, equipment, or other assets to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1j
 
No
k Lease of facilities, equipment, or other assets from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . .
1k
 
No
l Performance of services or membership or fundraising solicitations for related organization(s) . . . . . . . . . . . . . . . . . . . .
1l
 
No
m Performance of services or membership or fundraising solicitations by related organization(s) . . . . . . . . . . . . . . . . . . . .
1m
 
No
n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) . . . . . . . . . . . . . . . . . . . . .
1n
 
No
o Sharing of paid employees with related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1o
 
No
p Reimbursement paid to related organization(s) for expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1p
Yes
 
q Reimbursement paid by related organization(s) for expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1q
Yes
 
r Other transfer of cash or property to related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1r
 
No
s Other transfer of cash or property from related organization(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1s
 
No
2
If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.
(a)
Name of other organization 		(b)
Transaction
type (a-s) 		(c)
Amount involved 		(d)
Method of determining amount involved
(1) CCCS OF SOUTHERN NEW ENGLAND INC

   500,200 FMV
(2) CCCS OF SOUTHERN NEW ENGLAND INC

   11,744 FMV




Schedule R (Form 990) 2012
Schedule R (Form 990) 2012
Page 4
Part VI
Unrelated Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to Form 990, Part IV, line 37.)
Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.
(a)
Name, address, and EIN of entity 		(b)
Primary activity 		(c)
Legal domicile
(state or foreign
country) 		(d)
Predominant income (related, unrelated, excluded from tax under section 512-514)

(e)
Are all partners
section
501(c)(3)
organizations? 		(f)
Share of total income




 		(g)
Share of
end-of-year
assets 		(h)
Disproprtionate allocations? 		(i)
Code V—UBI
amount in box 20
of Schedule K-1
(Form 1065) 		(j)
General or
managing
partner? 		(k)
Percentage
ownership
Yes No Yes No Yes No






























Schedule R (Form 990) 2012
Schedule R (Form 990) 2012
Page 5
Part VII
Supplemental Information
Complete this part to provide additional information for responses to questions on Schedule R (see instructions).
Identifier Return Reference Explanation

Additional Data


Software ID:  
Software Version:  






TY 2012 AffiliatedGroupAttachment
Name:
MONEY MANAGEMENT INTERNATIONAL INC
EIN: 54-1837741
Explanation:
CCCS OF SOUTHERN NEW ENGLAND, INC. 14141 SOUTHWEST FRWY, STE. 1000 SUGAR LAND, TX 77478 EIN: 23-7230816 LOBBYING EXPENSE: NONE MMI FINANCIAL EDUCATION FOUNDATION 14141 SOUTHWEST FRWY, STE. 1000 SUGAR LAND, TX 77478 EID: 76-0691702 LOBBYING EXPENSE: NONE