7/11/2009 at 10AM & 8/21/09 at 7PM

If it seems like your dollars do not make sense, this class may be for you. One of the first steps to financial security is planning and following through on a personal budget. Budgeting is about choices, choosing how to make money and how to spend it.  This class will help you understand your cash flow and how to better manage what God has blessed you with.

The participants of this class will:

• Understand the biblical principles behind tithing and saving
• Learn the 10/10/80 principle
• Use budgeting tool and recognize the benefit of budgeting
• Learn to manage money better
• Tithe off the top of your income
• Increase your savings

“Dump Debt Out the Door”*

7/25/2009 at 10AM 

If you build it, they will call.  The bible teaches us that when you have debt, you become a slave. Imagine being free of debt -- no more sleepless nights, anxieties or chances of threats from dreaded collection agencies. You can do it!  (*should attend “Bail Out” class first)

The participants of this class will:

• Understand the biblical views of debt
• Identify tips to start getting out of debt now
• Recognize what depreciating assets are
• Have a debt elimination plan
• Distinguish between bad debt and okay debt
• Identify available resources

“Credit 101 - Crash Course”*

8/15/2009 at 10AM

Sooner or later almost everyone needs to borrow money.  Used wisely, credit can benefit you and your family.  An important step to financial security is to understand your credit report and how to build a positive history.  This course will provide you with information on credit reports, how to repair credit and resources available to you.

The participants of this class will:

• Explore ways to maintain good credit
• Identify all three credit reporting agencies and how to read and understand each report
• Recognize credit repair scams
• Identify available resources
• Learn how to recognize and avoid identity theft

“Becoming Bankable - Using Banking Services Every Day”*

8/29/2009 at 10AM

Banks can still help you achieve your goals.  Explore the detailed steps of opening and managing a checking account, writing checks, making deposits, recording your transactions in a register, and understanding your monthly statement.  Look at different ways and places to save your money so that it may grow in value.

The participants of this class will:

• Understand the various types of accounts
• Understand the different types of loans
• Identify the benefits to online bill pay
• Recognize fraud on your account and ways to protect yourself
• Utilize internet banking
• Learn what a CD is and when its appropriate to establish one

“Leave a Legacy to Your Family- Spiritually & Financially”*

9/12/2009 at 10AM

Be blessed to be a blessing.  One biblical example is in Jacob who embraced, kissed and laid hands on his sons and grandchildren.  By giving a hug or a touch, we communicate love and blessings and teach our children how to pass it on to their children.  This class will discuss how to leave both spiritual and financial blessings to your family.

The participants of this course will:

• Understand the biblical principles behind leaving a legacy
• Enhance your prayer life to cover the generations to come
• Learn the practical financial ways to leave a legacy
• Use various resources

“The Importance of Having a Will”*

9/26/2009 at 10AM

Would you trust the most significant decisions of your life to others – especially those that affect the welfare of your children?  Of course not!  Yet, unless you have a will, that is what will happen. The state will determine who, if anyone, is entitled to your estate upon your death. Avoid the negative experiences by simply having a will prepared. You’ll gain peace of mind knowing your affairs are being settled according to your wishes.

The participants of this class will:

• Understand the importance of a will and how to avoid passing away intestate
• Understand the various levels of complexity for a will
• Identify the right will for you
• Recognize the importance beneficiary designations and proper documentation

“Are You On Track for Retirement?”*

10/24/2009 at 10AM

Make the most of your potential wealth.  Establish your retirement goals and objectives and build the proper plan for the kind of retirement you’ve worked hard to earn.  Implement a plan that balances your current needs with your future financial goals.

The participants of this class will:

• Identify retirement goals and objectives
• Outline the anticipated expenses at retirement
• Explore the various retirement tools available and their tax implications
• Develop a strategy to achieve goals and objectives
• Take action to implement plan

“Investing: Plant a Seed and Grow Your Money”*

11/21/2009 at 10AM

Interested in investing but the economy concerns you with questions? Afraid to make an adjustment based on media reports of the stock market?  Well, God is not the author of fear, and His people perish for lack of knowledge.  So whether you are a first-time investor, an average investor, or simply speculating, this class will be informative.

The participants of this class will:

• Identify various investment vehicles and their tax implications
• Learn what asset allocation is and why it’s so important
• Find out your individual investing profile
• Develop a long-term strategy to achieve your investment goals and objectives
• Take action to implement plan