OverviewShaping credit for low-to-moderate income adults.
Detailed InformationWhat strategies can adults use to develop a secure financial
future? This program for low-to-moderate income adults is the ideal workbook
to help you get your credit into tip-top shape. This thorough 6-unit
workshop shows adults how to make better financial choices.
You'll explore 6 fundamental credit finance topics:
1. How to Earn an Income and Create a Budget
You'll uncover simple ways to spend less than you receive,
discover how to earn more money and how to create a practical budget.
2. The Inner Workings of Financial Institutions
Banks… credit unions… brokerage firms... where should you
stash your cash?
Financial institutions offer a dizzying array money management
choices. You'll cut through the complexity by comparing and contrasting
the services of mainstream financial institutions. You'll detail the
advantages (and disadvantages) of using alternative banks. Plus you'll
discover how to use insurance to reduce financial risks.
Finally, you'll identify common scams.
3. Getting Your Credit into Shape
You'll identify the advantages and disadvantages of using
credit, what it costs, and basics steps you can take to obtain credit.
Next, you'll detail the key features of a credit report and
ways to improve a credit score (commonly called FICO). Plus you'll analyze
realistic credit cases, and determine the best circumstances to obtain credit.
4. The Basics of Homeownership
You'll uncover the benefits and drawbacks of owning a home. You'll
detail the process of buying a home, from house hunting to closing to occupancy.
5. How to Build Wealth
You'll uncover the concept of “net wealth” and discover how
– and why – net wealth increases and decreases. You'll develop strategies
to save early, buy and hold, and diversify so you can build long-term financial
security.
6. The Fundamentals of the Market Economy
You'll explore the characteristics of wealthy individuals,
as well as the key features of a market economy.
A Real-World Adult Education
You'll discover a new-found confidence to make wise decisions
on buying a house, earning more money, and taking control of your credit!
Underwritten by HSBC
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