Dollars and Sense, Course # HR1230

According to the Wall Street Journal nearly 70% of all consumers live paycheck to paycheck.

Money is our No. 1 stress factor, according to the American Psychological Association.

40% admit that personal finance stress affects their productivity at work.

55% of employees are not fully engaged due to personal finance concerns.

This 12-month practical course will review the effects of a personal philosophy on money, influence of societal expectations, and management of personal finances has on all aspects of life when it comes to securing the "American Dream." Participants will learn real life skills in the areas of eliminating debt, creating a budget, understanding investments and insurance, saving money, planning for retirement, shopping for a house, and other topics dealing with financial issues faced in daily life.

Facilitated by Brad Barnett

Super Savers
Tuesday, March 18, 2008
2:00 PM - 4:30 PM
USB 102

Reviews the societal influences on spending and saving habits, the effect our emotional development has in this area, discusses savings from a historical perspective, and teaches discipline, patience, and goal setting.

Cash Flow Planning
Tuesday, April 1, 2008
2:00 PM - 4:30 PM
USB 102

Focuses on the importance of budgeting and challenges employees have to determine what can be classified as essential and non-essential expenses. The incorporation of planning for short term and long goals as they relate to needs and wants is also part of this lesson.

Relating with Money
Tuesday, May 6, 2008
2:00 PM - 4:30 PM
USB 102

Employees will learn how individuals and families relate with money, how emotions affect our purchasing decisions, and the role our personal and family values play on how we spend and save our money and the overall quality of our relationships.

Big, Big Bargains
Tuesday, June 10, 2008
2:00 PM - 4:30 PM
USB 102

Employees will discover the benefits of negotiating and the cultural differences that exist in this area.

Dumping Debt
Tuesday, July 1, 2008
2:00 PM - 4:30 PM
USB 102

Debt is often acquired due to a lack of emotional maturity when it comes to spending (e.g., impulse shopping, etc.), poor planning skills, and/or succumbing to societal expectations of what the "American Dream" should be for everyone. employees will learn about these influences as well as discuss methods for eliminating current debt and avoiding future debt.

Understanding Investments
Tuesday, August 5, 2008
2:00 PM - 4:30 PM
USB 102

The basic terminology of investing, compounding interest, and a variety of investment methods appropriate for specific goals will be discussed. employees will be given tools to calculate compounding interest.

Understanding Insurance
Tuesday, September 9, 2008
2:00 PM - 4:30 PM
USB 102

The various aspects of acquiring physical and emotional security by having the right type of insurance for your situation will be reviewed in this lesson.

Retirement and College Planning
Tuesday, October 14th, 2008
2:00 PM - 4:30 PM
USB 102

The importance of goal setting and long range planning to ensure you are adequately prepared for retirement and future college expenses will be reviewed, as well as the multitude of options available to save for these situations.

Buyer Beware
Tuesday, November 11, 2008
2:00 PM - 4:30 PM
USB 102

The psychology of spending, marketing, and succumbing to personal desires when it comes to purchasing to "make yourself happy" will be discussed.

Real Estate and Mortgages
Tuesday, December 2, 2008
2:00 PM - 4:30 PM
USB 102

Reviews the buying and selling aspects of securing a home, including the influence others may have on the choices we make.

Career and Extra Jobs
Thursday, January 8, 2009
2:00 PM - 4:30 PM
USB 102

The importance of creating personal missions statements and setting goals as they relate to developing a career path in a vocation that will provide you the highest level of satisfaction is at the core of this lesson.

Collection Practices and Credit Bureaus
Tuesday, February 3, 2009
2:00 PM - 4:30 PM
USB 102

Employees will learn about debt collection practices, gain knowledge about credit bureaus.

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