Guidance for Your Financial Journey

Setting money aside for the future is an important part of a sound financial plan. Everyone who participates in this webinar will develop an individual savings plan.

We will also cover:

• The different types of savings you need
• How to find money in the budget to save
• Techniques to develop the savings habit

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Buying a home is often seen as an important step toward building personal wealth and achieving what many consider a milestone in our adult lives. This presentation focuses on considerations to keep in mind before making one of the biggest financial decisions of your life.

In this presentation you’ll learn about:

• Fair Housing and knowing your rights as a potential homebuyer
• Advantages and possible disadvantages of buying a home
• Factors to consider when searching for a home that will fit your needs — including affordability, the importance of credit and types of loans
• A basic overview of the mortgage application process
• Homebuying costs to plan for
• The importance of a home inspection
• Possible down payment assistance programs

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Knowing where your money is going is a crucial first step in controlling your finances. You will learn the different types of expenses, budgeting basics and how to develop your personal budget.

In this presentation you’ll learn about:

• The purpose, importance and benefits of budgeting
• Impacts of living with or without a budget
• What makes your budget unique
• Budget-tracking tools
• Tracking expenses and making adjustments to your budget

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Establishing and maintaining good credit has a large impact on our financial success. This presentation will help you learn about the importance and impacts of credit, types of credit, establishing credit and credit reporting and scores.

In this presentation you’ll learn about:

• The importance of credit and its impacts
• Different credit types
• Ways to establish or rebuild credit
• How you can obtain a copy of your credit report
• Reading your credit report
• How long information stays on your credit report
• What makes up your credit score and how to improve it

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

The shift to online banking, shopping and other activities leaves people vulnerable to several types of financial scams, fraud and identity theft. This presentation will help you understand common types, how they impact you, how to protect yourself and the steps to take if you experience identity theft, a financial scam or fraud.

You will also learn:

• How to identify scams, identity theft and identity fraud and how they link together
• Who is targeted
• Who scammers and identity thieves are and ways they get your information
• Common types of identity theft and scams

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Create a personalized plan to improve your credit. Learn the financial impact of credit and steps to take to improve your credit score.

We will also cover:

• Identify your credit goals
• Choose strategies to establish, maintain or improve your credit report and score

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Taking charge of your debt is an important step in managing your finances. Everyone who participates in this webinar will create a personalized plan to reduce their debt.

We will also cover:

• Most common sources of debt
• Proven strategies to reduce debt

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Monitoring your spending is essential to manage money effectively. Learn how to spend wisely and still enjoy life.

We will also cover:

• Smart spending strategies
• How to save on big-ticket items
• When it makes sense to pay more

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

We will walk you through a series of questions to assess your overall financial situation and explore ways to improve areas that need attention.

Questions we will cover:

• Budgeting
• Savings
• Debt
• Credit Reports & Scores
• Retirement

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Bank or credit union? Online or traditional bank? There are more choices than ever when it comes to banking. Find out the type of financial institution that’s right for you.

We will cover:

• The difference between banks and credit unions
• The services they provide
• How to choose a financial institution to fit your unique needs

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Personal thoughts, feelings and experiences with money all affect the way you manage your finances. Learn more about your relationship with money.

We will also cover:

• Underlying sources of attitudes about money
• Common money disorders
• How to change financial habits

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Learn the difference between savings and investing. Plus, the importance of investing in yourself.

We will also cover:

• Major types of investments
• The importance of saving for retirement — starting now
• The amazing effect of compounding interest on investments

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Need some quick ideas to help improve your financial situation? We have some great ones — all designed to quickly improve your finances.

We will also cover:

• 15-minute fixes
• 30-minute fixes
• 60-minute fixes

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

What are the best choices to fund a college education for yourself or your children?

We will cover:

• Relative costs of different types of schools
• Various sources of funding to pay for college

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Preparing for retirement takes planning and strategizing.

We will also cover:

• Ways to decrease money going out
• Tips to increase money coming in
• How to prepare for events that can derail retirement plans.

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Taxes can be confusing and scary, but we’ll help you get through it. You’ll learn the basics of how taxes are computed.

We will also cover:

• The difference between deductions, exemptions and tax credits
• How to prepare to file your tax return.

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Helping your children learn about money is a critical step in their financial development. Discover the five basic money concepts children need to learn.

We will cover tips and techniques for teaching financial concepts to different age groups:

• Children ages 3-5 & 6-10
• Tweens and teens ages 11-15
• Young adults ages 16-18

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Mixing money with family or friends can lead to difficult choices and conversations. We’ll discuss how money can strain these relationships.

We will also cover:

• Important questions to ask before lending money
• The pros and cons of co-signing a loan
• When (and when not) to lend a helping hand

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Helping aging parents or family members manage their finances and other personal responsibilities can be challenging.

We will cover:

• Key information needed to assist aging parents or family members
• The financial implications of being a caregiver

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Deciding to rent or buy a home is a major life decision. It’s important to understand the short- and long-term effects of these decisions before you make them.

We will also cover:

• The pros and cons of buying or renting a home
• Options available to homeowners to access the equity in their homes

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.

Knowledge is power! Become an informed consumer about healthcare costs and expenses.

We will also cover:

• General strategies for reducing the cost of health care
• Ways to save money on vision care, dental care, prescription drugs, and hearing loss

No upcoming English events are currently on the calendar.
No upcoming Spanish events are currently on the calendar.