Each of us has multiple responsibilities and chocked-full schedules that often leave little time for educational enhancement in areas that we may think are very important - and few things are more important than knowing how to establish and maintain your financial health and well-being. Money Matters for Women is here to help!
We believe that among the most important life skills everyone, especially women, should and must acquire are the basic skills necessary to manage their money wisely and achieve a lifetime of healthy personal financial freedom. Learning how to save, spend, and invest your money wisely - and avoid the common pitfalls of debt, unnecessary costs, and poor planning and their often dire consequences - are critical skills that benefit each of us.
Money Matters for Women educates and empowers women of all circumstances by giving them understandable, actionable information they can use to appreciate and develop responsible financial habits. Emphasizing seminar participation and conversational informality, Money Matters for Women delivers small, informal, interactive seminars led by a financial education expert that provide the relaxed, comfortable environment in which everyone can learn how to take control of their present and future financial well-being. In addition, individual meetings can be arranged in order to focus on your personal situation without distraction.
The content of our seminars - tailored specifically to the unique needs of women - has been carefully developed to maximize each participant's understanding and implementation of basic financial knowledge through discussions and explanation of relevant Concepts, easy to use Tools, and common Financial Terms.
The content of our program is not designed to offer investment advice, nor is its goal to sell any products or services, recommend specific financial professionals, or acquire any assets to manage. We are educators, not money managers.
Please contact us if you would like to learn more about Money Matters for Women educational problem-solving seminar programs. Here are some of the topics we discuss and explain:I. THE MEANING OF MONEY
What Does Money Mean to You?II. WHAT DOES YOUR LIFESTYLE REALLY COST?
Setting Financial Goals
The Importance of Financial Literacy
Numbers Worth Knowing
How to Create a Budget: Your Road map to Financial HealthIII. BASIC FINANCIAL CONCEPTS
Income vs. Expenses
Where Is Your Money Coming From?
Where Are You Spending It: Fixed, Variable, Discretionary Expenses
Are You Spending More Than You Have?
How Can You Spend Less?
How Can You Save/Invest More?
The Difference Between Saving and InvestingIV. BANKING BASICS
The Magic of Compounding
Benefits of Long-Term Saving/Investing: Start Early, Save Less, End Up With More!
The Future Value of Money
The Impact of Inflation
What Is A Bank? What Does It Do? What Benefits Does It Offer You?
Types of Checking Accounts: Features, Services, Fees
Choose a Bank Checking Account That's Best for You - Comparison Shop!
Card Safety: ATM, Debit and Credit Card Dos and Don'ts
Online Banking: Advantages, Disadvantages, Safety
Now You Have An Account - What's Next?
V. CREDIT, CREDIT CARDS, THE COST OF CREDIT
What is Credit?
The Relationship Between Credit, Interest, and Debt
All Credit Cards Are Not The Same - Here's How to:
- Choose the credit card that's right for you
- Understand fees
- Avoid credit card debt
- Manage credit card debt
- Establish and maintain your credit rating
What are Credit Agencies? Credit Reports? Credit Scores?
- Credit Regulations: Your Rights
- Credit Report Mistakes
- How to Improve Your Credit
- How to Protect Yourself from Credit Fraud
Uncomfortable with a Credit Card? There Are Other Kinds of Cards for You
VI. INVESTING BASICS: TOOLS AND TECHNIQUES TO MANAGE
- A secured card
- A debit card
- Your Investment Time Horizon
- Your Financial Goals: Short-, Medium-, Long-term
- Your Life Expectancy
- Your Risk Profile
VII. RETIREMENT FOR WOMEN OF ALL AGES
- Three Big Asset Classes: cash equivalents, fixed-income, equities
- Understanding Different Kinds of Risk
- Reducing Risk through Diversification, Asset Allocation
- What Is a Mutual Fund? How does it Work?
- What Is a Managed Account: How Does it Work?
- Investing in Individual Securities
- Tax Consequences of Your Investment Returns
- Take Advantage of Your Tax-Favored Retirement Plans
- Where to Find Help: A Guide to Professional Investment Resources
VIII. BUMPS ALONG THE ROAD
IX. ELEPHANTS IN THE ROOM
X. GLOSSARY OF FINANCIAL TERMS
CURRENT SEMINAR DESCRIPTIONS
HOW CAN I PAY ALL MY BILLS AND STILL HAVE MONEY TO SAVE OR INVEST?
you dread the end of the month and the mountain of bills you'll have to
pay? Do you worry that that you aren't saving enough, or any money, for
emergencies or investing for the future? Will you use your credit
card(s) to buy what you want when you want it, knowing that you will pay
only the minimum due in each billing cycle and that over time the
interest that is charged to your account will grow into a seemingly
insurmountable burden of debt?
this seminar you will learn how to understand how much money you
actually have coming in and going out. Once you understand the
relationship between income and expenses (the different kinds we all
have: fixed, variable, discretionary), you'll be able to readjust what
you spend and where you spend it, and learn how to avoid credit card
debt ' the single most compelling reason that many people can't, or
don't, save any money.
If you think
'budget' is a bad word, you'll learn that it is really a gift to
yourself. Creating a realistic budget does not mean 'doing without'! It
means you are taking control of your finances responsibly: giving
yourself a guide to your personal money management so you can live
comfortably within your means. Doing that requires knowing the
difference between 'needs and wants,' developing the discipline to
resist the lure of immediate gratification and keep you debt free.
You'll also learn about the real cost of credit, hidden fees, and your
rights as a card-holder, how to pick the right credit card for you from
the very many that are available, how to increase your credit worthiness
(score), and the strategies you can use to pay down any credit card
balances you may have.
learn all this and more - and leave our seminar confident that you can
manage your personal finances with ease and success.
Register as soon as possible: Space is limited!
INVESTING BASICS: BUILDING BLOCKS FOR YOUR FUTURE
are your short- and long-term investment goals? What is the difference
between a stock and a bond? What else can you invest in? Do all
investment vehicles behave in the same way? Should all your investments
be the same type thing, or should you diversify among asset classes?
What are asset classes? What are mutual funds and why do so many people
invest in them? Have you ever read a fund's prospectus? If you have, can
you understand it? Why is that so important? Do you know what fees are
associated with investing in a mutual fund or in any other investment
When does 'profit' not mean real profit?
Did you forget about fees, taxes, and the impact of inflation on
investment returns? Do you know your life expectancy and your long-term
investment time horizon? Do you know your investment risk profile, what
types of risk exist, and how to manage them? How does the magic of
compounding work to your benefit, and why should you start saving as
soon as you can for as long as you can? Do you know how to build an
investment portfolio, how, and how often, to re-balance it? How do you
find a financial adviser who is right for you? What will he or she do
for you and how much will it cost?
seminar answers all these questions and many more. Investing wisely
requires having a solid foundation of broad-based basic knowledge not
nearly as difficult to learn and understand as many women think. No one
expects you to be a financial expert: when you got your driver's license
you were expected to know the rules of the road and how to operate your
vehicle safely; you were not expected to know how to fix your engine!
But you should know the basic concepts associated with investing in
order to ask your financial advisers the right questions.
Join this seminar and you'll leave it a smarter, safer, and more successful investor.
RETIREMENT? IT'S NEVER TOO SOON OR TOO LATE TO START PLANNING FOR IT!
about planning for your retirement? Gosh, no! I'm only in my twenties!
I' m worrying about paying down my student loans, having the rent for my
apartment every month, buying a car, pretty clothes for work, going out
with my friends and having some fun. I've got lots of time for planning
retirement is so far away!
Thinking about planning for retirement? No way! I'm only in my thirties
and got married a few years ago. Now we want to buy a house and start a
family. We want to buy a new car and take at least one more vacation
before the kids start coming. And I still have college loans to pay off!
There is lots of time left to save for when we are old.
I'm in my forties and I think about planning and saving for my
retirement all the time. It scares me! We haven't saved much, what with
the kids, the house, child care costs, health, house, and car insurance,
endless stuff and I still have my student loans to pay off! We need the
money we have now. How much could we save anyway? It's probably just
too late to start.
I'm in my
fifties. If I don't lose my job, I'll just have to keep working as long
as I can, longer than I ever expected to. What if I do lose it and can't
find another at my age? Hopefully, Social Security and Medicare will
still be there when I need it, but I'm not sure. And I'm not sure what
I'll do if it isn't.
No matter how old you are, or what stage of life you're in, there are a
million and one excuses we can think of to convince ourselves that
planning and saving for retirement can wait. The truth is that it's
never too early to plan, or too late to start saving for those years
that seem so far way.
This seminar gives you a set of solutions for every age and
circumstance. It will show you how to increase the benefits you'll get
from making the maximum contributions to your 401(k) or 403(b), and help
you understand how to choose where your money is being invested through
those plans. It will teach you how you can actually save less money
over a longer period of time and end up with more money than someone who
starts a decade later and has to save more in total than you did.