Future Outlook - Lifetime Money Management Workshops


	Lifetime Money Management 401(k) & Retirement Planning Debt & Credit Management Saving & Investing

Lifetime Money Management Workshops

Your Money and Your Life! [3.5 hours]
Your Money and Your Life! is for those who wish to learn basic financial skills and practice them in their daily lives. This workshop presents a complete and realistic approach toward money and debt management that will help participants:

Set realistic and achievable financial goals
Put a simple, easy-to-use system into place that is a real-world alternative to traditional "budgeting"
Live within their means
Create a specific roadmap for reducing and eliminating debt
Successfully manage money for life

Street-Smart Spending [90 minutes]
Gather ideas on becoming a smarter spender. This course offers advice and money-saving tips for people who want to become smarter consumers. You'll learn how to anticipate seasonal expenses, deal with unexpected costs, and ward off impulse buying. We'll also provide ideas on improving household communications about money.

Scams, Schemes, and Consumer Awareness [90 minutes]
How do you keep safe from getting taken? Identify the major scams and schemes to avoid in the online and offline world. Learn specific action steps to protect yourself. Learn how to develop a scam prevention mindset and identify common tricks that con artists use on their victims. You will also learn important questions to ask when investigating opportunities to distinguish between credible investments and scams.

Teens and Money [90 minutes]
Teens and parents can attend this class together. Starting teens off on the right foot will prove to be invaluable for their future. This class will teach teens how to manage money, savings, and even credit. Topics will include handling income, the rules of plastic, and how to avoid teen rip-offs.

Protect Yourself Against Identity Theft [90 minutes]
This timely course will show you how to protect yourself from those trying to learn about you for illegal purposes. Find out what to do if your identity is stolen or your privacy is compromised. Learn specific ways you can defend yourself and your family against the marketing intrusions of direct mail, telemarketing, Internet, email, and others.

Checkbook Balancing 1-2-3 [90 minutes]
Nobody enjoys balancing their checkbook. But this class will show you a three-step process that will make it easier. Learn how to quickly "catch up" if you haven't balanced your checkbook for a while. Pick up many useful ideas for saving money and time on banking services.

Save Money on Your Next Car [90 minutes]
Buying a car should be satisfying, not stressful. Eliminate stress from the process by identifying the primary steps, the three principal transactions, and tips for negotiating your best deal. You will also learn the ins and outs of vehicle leasing, including how to determine the "real interest rate."

Protecting Your Property: Car and Home [90 minutes]
How much insurance do you need? This course will help you understand the risks you face, important terms, and what types of coverage to consider carrying, as well as practical ideas for keeping premiums under control.

The Great Mystique of Life and Long-Term Care Insurance [90 minutes]
What triggers the need for these types of insurance, and how much coverage is appropriate? Learn how to determine the need, amount, and characteristics of life, disability, and long-term care insurance. Life insurance-related topics will include how much you should carry, major life policy types, and piecemeal life policies to avoid. Topics related to long-term care include key characteristics, when a long-term care policy makes sense, and insurance-buying tools and resources.

Saving for College: The Early Years (For parents/grandparents of younger children) [90 minutes]
How will you fund your young child's future college costs? Make the decision to begin saving now for your child's education. Learn how to estimate future college costs and the amount you should consistently save for them. Get the latest information on college savings vehicles, including Education IRAs, Section 529 prepaid and investment plans, gift accounts, and more. You will also learn the general framework of the current financial aid system.

Getting the Most Out of College Financial Aid (For parents/grandparents of teenage children) [90 minutes]
College financial aid is complicated. But this course will remove the confusion by taking it step-by-step. Learn how to calculate your Expected Family Contribution (EFC) and identify strategies to reduce your EFC. Know where to find the principal sources of financial aid, including federal, state, and other scholarships, grants, and loan programs. Learn about tax credits and deductions available to parents and students.

Understanding Aspects of Buying a Home [90 minutes]
What do you need to know before purchasing a home? This class is primarily for those who are considering buying a home in the future, especially in the next few years. It will take you through the key financial steps and considerations in the home evaluation and purchasing process. You will learn how to estimate how much home you can afford, whether buying makes sense for you, the major types of mortgage loans available, and how to choose the best financing alternative for you.

Managing Your Home as an Asset [90 minutes]
How can you maximize the value of your biggest investment? This class will identify the factors that increase your home's value, including which type of improvements can be the best long-term investments. You'll learn when refinancing makes sense, and how to compare different refinancing alternatives. This course will also explain the pros and cons of accelerating your mortgage and identify a number of creative early payoff ideas.

Power Over Plastic [90 minutes]
Over-indulging with credit card spending can lead to serious financial problems. This class helps you understand the psychology of spending and why credit cards can lead to overspending. Learn how to recognize your spending habits, become more aware of what you're buying, and develop methods for deciding whether or not the expenditures are necessary. Learn to decide when to use or not to use credit. Compare your cards and decide which ones to keep.

Credit Report and Scoring Fundamentals [90 minutes]
What's in your credit report, and what does it mean? How is your credit score determined, and how do you improve it? This course will remove the mysteries surrounding your credit report and credit score. You will learn to read and interpret the information in your credit report, understand your credit score and, most importantly, obtain the tools to improve your credit records. You will also learn how to determine whether you are in your "debt comfort zone." You will understand what it takes to get approved for a loan or credit line.