PROGRAMS AND COURSES

S.A.F.E. is dedicated to providing no-cost financial education as a public service. Services are free, diverse, and holistic in nature. We recognize that although the basic concepts of finances remain stationary, the needs of individuals are ever changing. Our programs and services are aimed at three target audiences:

  • Ages 15-25Typically, this group is in school, recently graduated, or entering the workforce for the first time. It is fundamentally important that they understand basic financial literacy, budgeting, interest rates as they are applied to credit cards and student loans, and how to complete all that “first-job” financial paperwork.
  • Ages 25-55 – While this group should have the same understanding of finances as the previous group, it is also important that they start thinking about investments and retirement.
  • Ages 55-plus – The financial awareness of this group should include information obtained in previous groups, and if they haven’t yet started saving for retirement, the time is now, and the need for education is even greater. In addition, it’s time to start talking about social security and life after work.

Available Programs

  • Classes – Offered through schools and local or regional continuing education programs.
  • Workshops – Conducted independently or in association with other local not-for-profit groups or organizations.
  • Employee Training – Provided at the request of local businesses and corporations.
  • Guest Speaking – Provided at the request of clubs, groups, and organizations.
  • Online Education

Topics Covered

In this course you will learn the purpose of budgeting and saving. You will also discover strategies to assist you with your present and future expenses (paying off a loan, plan a vacation with friends, etc.) so you can be closer to achieving your financial goals.

This course will teach:

  1. How to create a personal budget
  2. All the savings options (savings/checking accounts, CDs, money markets, etc.)
  3. How to manage cash flow (online tools, spreadsheets, apps, etc.)
  4. How to plan for different life stages (college, marriage, retirement, etc.)

This course explores ways in which income is gained and helps students understand how to use an individualized career plan to develop personal income potential. Becoming familiar with both the cost of higher education as well as its potential financial benefit will ensure students have the tools to make informed decisions regarding further schooling.

This course will:

  1. Explore job and career options.
  2. Compare sources of personal income and compensation.
  3. Analyze factors that affect net income.

This course is focused on developing strategies to control and manage credit and debt. Ensuring students understand how credit is obtained and why its importance will help set them up for future financial success.

This course will:

  1. Analyze the costs and benefits of various types of credit.
  2. Summarize a borrower’s rights and responsibilities related to credit reports.
  3. Offer strategies to avoid or correct debt management problems.
  4. Summarize major consumer credit laws.

This course will teach you the fundamentals of investing, the different types of investing that may build wealth and help prepare for your financial future.

This course will:

  1. Explain how investing may help you build wealth and meet your financial goals.
  2. Evaluate investment alternatives.
  3. Help you determine whether long-term or short-term investing is best suited with your current financial situation.
  4. Identify how agencies protect investors and regulate products.

This course will apply the appropriate and cost-effective risk management strategies. It will explain the importance of continuous monitoring and reviewing your accounts and how such monitoring ensures that risks have been correctly identified and assessed with the appropriate controls put in place.

Topics of discussion include:

  1. Common types of risks and basic risk management methods.
  2. Reasons to use property and liability insurance.
  3. Reasons to use health, disability, long-term care and life insurance.

This course will provide reliable information and systematic decision making strategies for personal financial decisions. Make effective decisions to maximize wealth and achieve strategic organizational goals. Gain a deeper understanding of what drives people to their financial decision-making and use this insight to help make better decisions.

Topics of discussion include:

  1. Recognizing the responsibilities associated with making financial decisions.
  2. Reliable resources when making financial decisions.
  3. Making measurable financial decisions by thoroughly considering alternatives and consequences.
  4. Applying communication strategies when discussing financial issues.
  5. Analyzing the requirements of promised obligations.
  6. Controlling personal information and how to monitor a personal financial plan.

This course will teach you how a qualified retirement plan allows eligible employees of a company to save and invest for their own retirement on a tax deferred basis.

This course will teach you:

  1. The difference between a pension and a 401k retirement plan.
  2. How a 401k and a pension work.
  3. How much to put into a 401k or a pension.
  4. What the maximum is for a 401k contribution.
  5. How much you should have in your 401k at age 40, 55, 65.
  6. When to start taking money out of your 401k.

We also provide classes on Social Security, Tax Savings and Strategies, Estate Planning and much more! For more information or if you would like to learn more about the courses, please contact us.