| The one-day seminars include the topics in red. Two-day seminars include all topics. |
| THE BASICS OF CREDIT REPORTING |
- How to Read a Credit Report
- How Information is Compiled in the Credit Report
- Credit Laws/ Credit Myths
- Tips on Managing Your Credit Report
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| CREDIT SCORING BASICS |
- What is a Credit Score
- How to Read Your Credit Score
- How to Obtain Your Credit Score
- How Companies Use Credit Scores
- Score Ranges
- Most Common Score Reasons & How to Improve Your Score
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| THE FINANCIAL PYRAMID |
- Components: Savings. Insurance and Investing - Explanation of each area and the Impact on Your Fiscal Life
- How to Make Great Decisions in each area
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| ESTABLISHING A FAMILY SPENDING PLAN |
- How to Develop a Spending Plan
- Components of a Spending Plan
- How to be a Wise Consumer in Various Areas of the Spending Plan
- Percentages to Spend in Each Area of the Plan
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| SAVINGS |
- How to Find Money from Spending Plan to Save
- How to Make Great Saving Decisions
- Saving Tips on Spending Less on many purchases
- Buying Decisions Lead to Savings and a Great Saving Plan
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| THE COST OF PAYING INTEREST |
- Examples of Interest on Credit Cards
- Examples of Interest on Installment Loans
- Examples of Interest Paid on Various Purchases
- How to Make a Wise Decision on all of the above areas
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| PREDATORY LENDING |
- Definition of Predatory Lending
- What it Is and What is Isn’t
- How to avoid becoming a victim and how to protect family members from becoming victims
- Types of Loans Prevalent in this area
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| INSURANCE PLANNING (Part I) |
- The Different Types of Insurance Coverage
- Decision-making Process to Follow in Purchasing Insurance
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| INSURANCE PLANNING (Part II) |
- Property and Casualty Insurance Coverage
- Long Term Care Insurance· Annuity Coverage
- For Estate Planning
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| INVESTMENTS |
- Investment Basics
- Mutual Funds, Bonds and Treasury Bills
- 401K, 403B and 457 Plans
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| INVESTMENTS CONTINUED |
- How to Invest at Work
- How to Invest if You Are Self-employed
- IRA Basics· Investment Clubs
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| IDENTITY THEFT |
- Definition
- Types
- Financial Impact
- How Does it Happen
- Prevention
- Step-by-step Procedures to Follow When it Happens
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