| Mission: Money Control Programs |
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Please contact your Customer Relations Representative to learn more about these programs or to set up one these programs on your campus. You may also contact the Information Service Center for assistance at 877.272.4456. After Graduation - Now What? Preparing for college graduation and starting what is probably your first professional job is both exciting and a little scary. Life after college comes with more responsibility and important decisions to make. Through this program you’ll learn more about purchasing a car and selecting the appropriate insurance, employer benefits including retirement plans and health insurance options, the differences between buying or renting a home, student loan repayment options, credit card usage and much more. Target Audience: College seniors and graduate students Learning Objectives: Attendees will have a better understanding of purchasing a car and selecting insurance, employer benefits, mortgages versus lease agreements, house/rental insurance, student loan repayment plans, credit cards and FICO scores. Avoiding Identity Theft You’ve become an expert at being “vigilant” because the news is all about how to protect your home, car and other personal items. Maybe you’ve gone so far as to take a course in self-defense so you can travel throughout your campus and community safely. But, have you learned how to protect the most important thing you have—your identity? Through this session you’ll learn how to become “vigilant” about protecting your identity. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of identity theft, how to detect warning signs, ways to deter an attack and what to do if they become victims. The Basics of Money Management This session provides a brief overview of several areas of money management. Attendees will learn tools for understanding credit and its impact on their personal and financial success. Information on evaluating and selecting credit cards, understanding credit scores, budgeting and identity theft will also be covered. Other presentations are available to go into further depth on each of these individual topics. Target Audience: High school seniors and college students Learning Objectives: Attendees will have a better understanding of developing a budget, understanding credit reports and credit scores, evaluating and selecting a credit card and ways to avoid identity theft. Dress for Success It may seem superficial to worry about your wardrobe, but what you wear speaks volumes. What message do you want your clothes to send about you? This presentation will cover appropriate dress for those in a business professional, business casual and casual office. Attention also will be paid to teen dress. Target Audience: Middle school students, high school students, traditional college students Learning Objectives: Attendees will have a better understanding of appropriate dress for job interviews as well as appropriate dress for a first professional job. Financial Aid 101 Planning, preparing and paying for college are key steps for a successful college career. But where do you start? This presentation provides information, tools, and resources to families and students seeking higher education. An overview of the FAFSA process and types of financial aid are also covered. Target Audience: High school students, parents and entering college freshman Learning Objectives: Attendees will have a better understanding of how to start the financial aid process, when to start, and tools and resources available. How to Manage Money So It Doesn’t Manage You As the saying goes, just when you are about to make ends meet, someone moves the ends. Successful money management to ensure you have enough money to pay bill sand have fewer concerns about finances is possible if you stay focused on your goals. This presentation will provide you with the tools and skills you need to set realistic goals and to create a usable spending plan. Target Audience: Middle school students, high school students, traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of creating and maintaining a workable budget/spending plan, and the importance of setting financial goals. How to Stop Living Paycheck to Paycheck Are you tired of living from paycheck to paycheck? Find out how saving and investing can fit into any budget and learn how to rewarding each can be. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of tracking expenses, cutting back, lowering debt payments, avoiding unnecessary fees, starting a savings plan, and the power of compound interest. How Will You Spend Your First Paycheck At long last you have that first job - and now you’re going to be enjoying having money to spend! You’ve been in school a long time and you can’t wait to go shopping! But wait - will you really get paid what you think you will? In other words, what will your paycheck actually look like after deductions? Here’s a presentation that will help you understand what the information on your paystub means, what is required by law, and what to do if you don’t understand it or if something is incorrect. Now is the perfect time to set up a budget and get started on the right foot. Included are helpful websites with even more information! Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of information on paychecks and pay stubs, the principles of effective budgeting and money management resources. I.O.U. How to Make Wise Borrowing Decisions There are times when borrowing is necessary. Using an appropriate amount of debt allows you to acquire an asset that you otherwise couldn’t afford. This session will review different lending sources and what to look for so that you understand the true cost of borrowing through each. We will also go over ways to improve your credit status so that you receive the best terms possible. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of available lending sources and the advantages and disadvantages of each as well as ways to improve credit status. Living Comfortably on a College Budget (a.k.a. How to Prevent Living in Your Parents’ Basement After College) We have all been there and done that when it comes to making spur of the moment purchase decisions. The good news is that there is a way to keep spending from getting out of control – it’s called a budget. We will help you sort out your budget, keep your expenses in check, and help you avoid situations that could lead to economic disaster. In addition, we will go over the top money mistakes college students make as well as provide tips on how to survive on a typical college student’s budget. Last but not least, we will show you how to continue making good financial decisions after graduation to help build future wealth. Target Audience: College students Learning Objectives: Attendees will have a better understanding of developing a budget, ways to prevent impulse spending, advantages and disadvantages of credit and debit card usage, advantages and disadvantages of prepaid credit cards, differentiating between wants versus needs and changing current behaviors. Making Smart Financial Decisions Throughout life, you will be faced with many choices, some more difficult than others. Find out how to make the best choices based on responsible financial decisions to provide you with a more secure economic future. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of the decision-making process, factors that can influence decisions and factors to know before making financial decisions. Nursing Loan Forgiveness Program Have you considered a career in the health care industry? Did you know there are financial benefits to choosing a career in nursing? Learn the process of receiving those financial benefits including federal and state loan forgiveness, who is eligible, the requirements and service obligation, and how to apply for the benefits. Target Audience: College-aged nursing students and nursing faculty Learning Objectives: Attendees will have a better understanding of nursing loan forgiveness opportunities and the eligibility of both federal and state programs. Saving a Little - Making a Big Difference Does saving a little “here and there” really make a difference? Remember the saying, “A penny saved is a penny earned?” Unfortunately, many people tend to ignore this message because they don’t understand the long-term effect of saving. Whether you are saving for a major item, or starting a financial “safety net”, you won’t reach your goals unless you have a plan to make savings a priority. This session will show you how saving and investing can fit into any budget. In addition we will cover investment basics, compounding interest and other tips for getting a savings strategy implemented. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of ways to start saving, investment basics, compounding interest and strategies to increase savings. Setting Up Your First Home We all have heard horror stories about moving into your first home and how stressful it can be. However it can also be very exciting! Learn how to prepare and have a fun, easy, stress free move. This presentation will provide time lines, estimated moving costs, to do lists, buyer and renter’s information, packing tips and more. This program is perfect for anyone who is setting up their first home or needs a refresher for the seasoned movers. Target Audience: High school seniors and traditional college students Learning Objectives: Attendees will have a better understanding of what it takes to prepare for a move, the costs associated with a move, tips to get started and steps that can be taken to ensure a smooth transition. Start Smart - Habits of Responsible Credit Card Users Are you ready to apply for your first credit card? It’s a big decision. There is so much to consider besides filling out the application. How will you know which credit card is right for you? What will you do when your first bill arrives? How can you develop good habits for using credit responsibly? This presentation will help you consider all the options and make sure you know how to correctly assess and use your credit cards wisely. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of selecting credit cards, understanding the contract terms and credit card holder rights, as well how to develop habits for using credit responsibly. Study Abroad - What to Know Before You Go Has your son or daughter ever thought about traveling overseas? How about combining travel with study? Here is a guide for parents that will provide helpful information when it comes to study abroad or off-campus programs. Parents will learn what questions to ask and who to ask. This covers everything from documents needed, financial aid options, immunizations to what to expect after they return! Parents sometimes have a hard time “letting go” and study abroad is a lot to consider. This presentation does much of the footwork for parents and has many resources listed! Target Audience: Parents of college-aged students Learning Objectives: Attendees will have a better understanding of things they need to consider when their child plans to study abroad as well as available resources to help make informed decisions. Tackling Debt Some debt is necessary for achieving goals and dreams, such as helping to pay for your college education. Other debt, like high interest credit card debt can put a real drain on your finances and actually hinder you from achieving important goals and dreams. Through this program, find out how to balance your borrowing habits to reduce debt and increase your financial health. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of how consumers take charge of credit card debt, borrowing for college and what to do when you become overwhelmed by debt. Teaching Loan Forgiveness Program Teaching can be a very rewarding career. But did you know it can also have financial rewards? Learn who qualifies, the definition of a teacher, which loans are eligible, service requirements and how to apply. Also learn how to apply for forbearance so maximum benefits can be received. Examples are given and a listing of teaching shortage areas in Iowa is included. Target Audience: College-aged education students and education faculty Learning Objectives: Attendees will have a better understanding of education loan forgiveness programs and the eligibility of both federal and state programs. Understanding Your Credit History - Part 1 Believe it or not, your credit history is already written, published and on the street! If you haven’t read the story of your credit life, this session will help you learn how to get a copy of your credit history, help you understand the report, help you determine what is written about you, and teach you about identity protection. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of the importance of a credit history, the function of credit reporting agencies, how to request credit report and how to understand what it says. Understanding Your Credit History - Part 2 Do you know your credit score? If not, it’s time to find out what it is and how it affects you. In this seminar you’ll learn how your credit score is calculated and how to improve your score so you can get the best loans and interest rates. Target Audience: High school seniors and traditional college students Learning Objectives: Attendees will have a better understanding of the role of credit reporting agencies, how credit scores are calculated and how to improve one’s credit score. What Do You Want to Be (A.K.A. It’s How Much?) What do you want to be when you grow up? What if you do not know? How much will you get paid? How much will it cost to live? This presentation will help answers these questions and highlight the cost of living and average salaries in Iowa. Tips on assessing skills and interests to fit a career will also be provided. Target Audience: Middle school, high school and early college students Learning Objectives: Attendees will have a better understanding of salary information and tips to assess skills and interests that may lead to a career. What’s In the Fine Print - What to Know Before You Sign a Contract Contracts are a part of everyday life. Almost anything you buy, sell, borrow, loan, rent, repair or trade involves a contract. Just because it may not look like a contract, doesn’t mean it isn’t. You make a contract when you use a credit card, sign a lease or even select a cell phone plan. You’ll have to live with what you sign, so it is important to know what is included in the “fine print”. In this presentation, you will find out what your cell phone contract, rental lease, credit card agreements, student loan promissory notes and auto service agreements really say. You will leave prepared and knowledgeable about what to look in future contracts so you can make the most informed decisions. Target Audience: Traditional college students and adult learners Learning Objectives: Attendees will have a better understanding of cell phone plans and contracts, promissory notes, leases and rental agreements, renters’ legal rights, auto service contracts and credit card agreements. |
